1. Glenn Cooke, President of InsureCan, is sponsoring a contest on this blog (and a few others) where you can win one of two $50 Chapters gift cards. Here’s how to enter the contest: You can earn one entry by just leaving a comment to this post telling us your best investment idea for 2009. You can earn a bonus entry by reading through the previous comments and writing down the number of the comment that you like best. For a sample entry, see the first comment. [Contest rules: (1) Contest closes on Friday, January 23, 2009 at 5 PM EST. (2) One entry per person per e-mail id. (3) Ask your friends to participate (Hint: Ask them to vote for your idea!). (4) The comment that receives the most votes wins. A random winner will be picked if a clear winner cannot be determined. (5) If you receive this post via e-mail, click on the heading to visit the website, scroll down to the end of the page, type in your comment under “Leave a Comment” and click “Submit”.]
  2. Nortel filing for bankruptcy protection is the biggest business story of the week. It’s hard not to feel sorry for ex-employees whose severance payments are now in limbo and pensioners who are now looking at a shortfall in their pension payments. The blogger behind Canadian Financial Stuff, an ex-employee himself, sums up his feeling about Nortel as: “sometimes it’s better to be lucky than talented”.
  3. Do as I say, not as I do. Jason Zweig wrote a column in The Wall Street Journal on how some of the leading investment experts don’t always take the advice that they so generously give others.
  4. Tax expert Tim Cestnick provides his take on the Lipson case judgement rendered by the Supreme Court last week.
  5. Mark McQueen, who writes the Wellington Blog wonders how likely it is that BMO will cut its dividend, in the light of an all-cash deal to buy AIG’s Canadian Life Insurance business.
  6. “The Feds want to GIVE you money and you don’t want to take it? Whazzup with that?” asks Gail Vaz-Oxlade as she encourages readers to save for their children’s education through a RESP.
  7. Million Dollar Journey featured a guest post on using flow-through shares to maximize charitable donations.
  8. Where else but on Money Grubbing Lawyer would you find smart and sensible financial tips from a reformed ex-con.
  9. Four Pillars wrote about the 11 factors to consider when buying a house.
  10. Squawk Fox reminds us that the best things in life are free with a poignant story.

Bundle up, stay warm and have a great weekend everyone!

This article has 98 comments

  1. Canadian Capitalist

    Sample entry [doesn’t count towards the contest]:

    A mattress will once again look good pretty good in 2009.

  2. Thanks a lot for the link! Great roundup as usual.

  3. The biggest story is kind of subjective. In my opinion, the biggest news story for most small investors who were caught up in it – is the buyout of the ABCPs of small investors under $1 mil.

    Nortel’s core business has been kind of like the “walking dead” since 2001. It’s actually been more surprising to me that they lasted 8 years before declaring bankruptcy. Still, for employees and investors, it is very painful – it’s just not surprising.

  4. Hey CC! Thanks for the linky love and sharing my story of Simon.

  5. My best investment idea for 2009 – shares of Potash Corporation of Saskatchewan. I think POT has at least a 50% chance of outperforming my mattress.

    (Yes, I realize I am risking a lifetime ban from Canadian Capitalist by picking an individual stock instead of an ETF.)

  6. Charles in Vancouver

    My best investment idea for 2009: Ask yourself if there is anything you are constantly paying for that is costing you too much. This includes debt service; pay off any high-interest debts – it’s a very low-risk way to put more money into your future.

    Really, there is no safer an investment than simply choosing where not to throw your money away.

    Will come back to vote for an entry if I see any I like later on.

  7. Pingback: This and That: Another week, another giveaway | fixedinvest.com

  8. Best investment idea? Don’t buy Nortel!

    Second Best Investment idea? Buy banks, and set up a dividend reinvestment plan.

    Thanks for the link!

  9. My best investment idea for 2009 is…..pay down the mortgage. Eliminate principle at low interest rates today, and shield yourself from high interest rates when they return.

    Side note: take a look at your recurring household bills: cell phone, home phone & LD, cable, internet, car insurance, house insurance, gym membership. If you can save $12/month on each of these, that’s $1000 a year in after-tax dollars back in your pocket. Invest the recurring savings for 30 years at 3% real return in a TFSA, and you will have $50,000 generating tax-free cash flow of $2,000/year at 4% withdrawal rate.

  10. Best idea: SWS.UN and drink more coffee (But it will need to be decaf… get it?).

    I vote for Ben (#10). Taking advantage of low rates to pay down principal will go a long way.

  11. My best investment idea for 2009 – practice “guerilla frugality”, cutting expenses wherever we can. Also, contribute to RESP for the kids early in the year, but just enough to get the max grant from our dear fellas in Ottawa.

  12. Having seen my portfolio get decimated and a reasonable chance of an impending job loss, I shall be investing in a gym membership, various grooming services and seriously consider marrying one of the boring rich men my parents keep wanting me to meet.

  13. It is all about the money.
    I vote for Ben (#10).

  14. I agree with Ben.

    My Votes with him!

  15. My best investment idea for 2009. Guaranteed minimum 13% return. Sign up with ING Direct for a TFSA with a $100 deposit, and they give you $13. Use code TF13 if you’re a new customer.

  16. I vote for Ben #10

  17. My best investment idea for 2009 will be to buy a waterfront cottage at a fire-sale price…this year I’m investing in my sanity.

  18. My best investment idea is to ACTUALLY shift my mutual funds into indexed EFTs and actually balance my ASSET ALLOCATION

    I have know that this was the way to go…. just need to do it.

  19. If I had a quarter for every time someone said “If you can save V number of bucks by reducing X, you’d have Y thousand dollars in Z years”, I’d be rich just off of that. Cutting out one cup of coffee a day for 30 years is good in principle, but practicing it is a whole other ball game. But ya, in principle I vote for Ben (#10). Kill it now before we hit 1980’s interest rates. And really, investing any blue chip stock right now at bargain basement prices is virtual a winning deal. My motto…do what Warren Buffet does.

  20. Hi,

    I vote for Ben. # 10

  21. Don’t panic and sell. Do the contrary. If you are in the accumulation phase keep investing in equities with any cash you can spare. Smile when equities drop in value, they make them cheaper to buy. 🙂

  22. My best investment idea of 2009? Opening a TFSA.

    My vote: #7.

  23. I vote for Ben, #10

  24. My vote is for Ben #10

  25. Please count me in for the contest…

    Gold stocks …and GOOG …

    I believe so many opp. in 2009 if played wisely can make handsome return on the investment.

    I plan to continue my day trade with goal to make 100 dollars per day on 5k investment. I am good so far….

    I am not writing my trading log on the blog regularly which on I need to work in 2009.

  26. I agree with No. 10, this is an opportune time to reduce mortgage dept. Focusing on reducing your principal while interest rates are low will shield you from higher interest in the future and help you eliminate your dept faster.

    I vote for No. 10

  27. I vote for Ben, #10.

  28. Best investment idea…I’m going to do what I’ve said I’ll do for a while now and find some good dividend stock in a company I understand at a price I think is reasonable.

    Also really into #10, pay down the mortgage.

  29. It’s hard to disagree with Ben’s idea of paying down the mortgage, but that’s because it’s always a good idea – it’s a guaranteed return! Looking at some more interesting options, how about investing in the Powershares Cleantech ETF (PZD)? Renewable energy and other cleantech industries have taken a massive hit in the last 8 months but they are ready for a big break out on the back of Obama’s energy plans. PZD is one of the best ways to play cleantech as it invests in a basket of about 30 medium sized global companies with cleantech exposure, including Siemens and Iberdrola. PZD is trading near 52 week lows.

    As for my vote, I think I’ll break ranks here and vote for myself. Or wait, is that against the rules? I forget. If it is, I’ll vote for Ben # 10.

  30. My best idea for 2009 is to set up an automatic fund transfer to purchase index funds in my portfolio on the 1st & 15th of every month (when I get paid). I’ll rebalance at the end of each quarter. I just want to keep it simple, boring, but effective.

    My vote goes for #23 for setting up at TFSA (I did this too).

  31. Best investment idea – opening a TD e-series TFSA and encouraging the rest of my (risk averse) family to open a TFSA high interest or GIC.

    I vote for #13…mainly because it made me laugh.

  32. My Idea:

    Take a look at your investor profile at the various places through which you invest. If it says you are high risk, question if that is true in light of the last few months. It was easy to say your risk tolerance is “High” in a rising market but the truth might be different in a bear market.

    I vote for # 10. It is what I am doing.

  33. Best investment idea for 2009- dont panic, buy and hold for the long terms.

  34. Ben for #10
    Save your money 🙂

  35. Best investment idea? Start looking at those pesky mutual fund MERs and consider buying individual stocks and/or index funds if your portfolio is more than $100K. Fees eat up your returns.

  36. I vote #10.

  37. Best Investment Idea of 2009:
    Annual TFSA corporate bond investments:

    Although credit conditions have eased somewhat, many corporates are still offering attractive yields. The last round of tier 1 “debt” issuance by the Canadian banks looks like a very good investment at Yield Curve + >450-600bps

    Add on the fact that if you’re relatively young, the TFSA will naturally create a laddered bond portfolio for you in this manner. $5K in 10 year corporates in year 1, another $5K in year 2, etc – onwards until they start “rolling” back out .. which leads to $10K in year 11, $10K in year 12..

    It’s beautiful, and if you investment in relatively high rated (not just rating agencies, do some due diligence) you don’t risk burning away contribution room!

  38. I vote Ben #10.
    Don’t let the banks profit on you a penny more than absolutely necessary. You know well that they are blood sucking leaches.

  39. Given the state of equity markets I’d say put the higher risk/higher return assets (ie equities) in your portfolio into your TFSA. As markets recover the historical gain with equities (esp. from the lower valuation today) will provide a much greater tax-free capital gain than other assets. Which you can then use to purchase depressed housing at the end of the year.

    But with rates as they are & if you haven’t done so already, I’d go with Ben#10

  40. My Best tip? Don’t just think about it… do it. I’ve been meaning to learn more about dividend-paying investments to put into my TFSA… but I’m not getting very far. So my advice, to self and others, is to quit wasting time and JUST DO IT.

    And my vote? # 38 sounds very interesting!

  41. I vote for #10.

  42. Invest in your skills and learn how to think about and analyze the economic events and trends like a business person even if you’ve been “just” an employee for your whole working life. It’ll help you in numerous ways:

    – you’ll become a better “free” agent for yourself
    -you’ll become a better negotiator
    – and hopefully it’ll prevent you from ending up at a place like Nortel.


  43. Looks like #10 is going to win the contest because of number of votes for him is so high, so I’ll herd it and vote for him too.
    Both #10 and #7 have great advice.
    Best idea for 2009, keep buying fractional ownership in all the great businesses available for sale all through to the end of 2009. You can’t lose at the prices they are going for.

  44. Charles in Vancouver

    I guess #10 said what I wanted to, better than I did 😉

  45. RIM.TO for 2009 investment idea.

  46. Ignore the up,
    Ignore the down,
    But buy the index
    When the Bear’s in town.

    [doesn’t count towards the contest]

  47. My investment idea is hardly new, but it’s to buy up the energy index. Oil has crashed, and it might not recover this year. But I can’t see demand staying so depressed for much more than a few years.

    My vote is for a combination of #31 and #41 — just do it! Set it up, make it automatic, whatever it takes… even if you choose not to invest anything, at least make it a conscious choice.

  48. My Investment/Financial advise for 2009:

    Have goals. Pay attention. Budget. Avoid debt. Live below your means. Ignore ads, stop watching TV. Pay off credit cards. Save an emergency fund. Buy used. Buy in bulk. Shop around. Eat at home. Brown bag it. Learn to invest early & regularly. Maximize RRSP & TFSA. Subscribe to CanadianCapitalist.com, MillionDollarJourney.com & Four-Pillars.ca

    My Vote #22

  49. I’ve already paid off my mortgage so #10 doesn’t apply to me.
    So, I also had a chuckle from #13, so I’ll vote #13.

  50. best investment idea: open a tax free savings a/c

  51. I like comment 10 – i’m doing the very same thing…

    Pay down my mortgage now at low interest rates, so that when they do go up, i’ll be way ahead!

  52. Pingback: The Financial Blogger | Financial Ramblings - $100 Gift Certificate Contest

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  54. Stick to your LT Strategic Asset Allocation.

    Take advantage of the TFSA.

    Eliminate any unnecessary investment fees.

    Establish a budget and stick to it. You’ll have more money to invest by the end of the year.

    Be greedy when others are fearful.

  55. My vote #49

  56. #10 sums up my plan

  57. best investing tip? index and forget about it. also, do not put all your hope for a stable retirement in the market, as it can be easily manipulated.

    do you want to be trying to retire right now, looking at half your account balance of 12 months ago due to some unregulated shady people bringing everything down?

  58. CC: A nice article that you might want to add to your article collection.


    Lame Fund Managers Head for an ETF Thumping: Jane Bryant Quinn

  59. Best investment idea of 2009: open a TFSA.

    My vote: #7.

  60. Everyone agrees they should open a TFSA but what do you sink the 5K into ? The fixed income stuff is paying 4-5% max for a 5 yr maturity of a reasonable corporate. Also everyone agrees the banks are leeches sucking everyones money. My idea is to buy any Canadian Bank common shares. They pay a reliable dividend every quarter morethan 5% presently and potentially have capital gains to offer. Better yet DRIP the dividends. You will start small but yearly contributions will build up capital and returns. The only cost is the brokerage fee to buy the investment – about 9.99 or so.
    Will wait and see the posts to vote on the one I like but so far I like mine Cheers

  61. Find a balance – invest in both your RRSP & TFSA, in a diversified index/etf portfolio. Come up with a plan so that you can have a good nest egg for both & minimize your taxes in retirement. Then use your refund to pay down your mortgage, so you getting the best of everything.

  62. My best investment idea for ’09 is buying XSP. It’s the CDN$ hedged fund that tries to mimic the S&P500. With the year the American economy had, XSP is at a discount. XSP is an easy way to invest in the U.S. with the fund being well diversified and not taking an risks with the exchange rate. Investing in XSP simply means you believe in the American economy as a whole getting back on their feet in future.

    My favourite idea from the comments above is Blair’s (#23) of opening TFSA.

  63. Charles, I went back to your #7 and have to admit there is a whiff of thunder-stealing in my post – have to apologize for that!

    My vote for best “investment” idea of 2009 is #23 Blair – open a TFSA. This is a significant Canadian investing event, and one that will have increasing significance as the years go on.

  64. CC
    My pick for an investment in 2009 for my TFSA is:
    – hold it for 2009, sell before 2011.
    – A play on oil (if oil goes up)
    – A Diversified trust index based ETF, low MER
    – Pays a good distribution (you get paid even if oil does not go up).

  65. My strategy for 2009 is to automatically invest in my tax free savings account, build up my emergency fund to 6 months of income, and continue to build my son’s college fund. If I can do this and continue to pay all the bills, I will be successful.

  66. Pingback: Checking in on the Giveaway

  67. Hey CC, please enter me in the contest. My tip is below.

    I see that number 10, Ben, is way out in front. Although I would normally agree that paying down your mortgage would be the right thing to do, I don’t think now is the time to do it. I currently pay 3.1% for the privilege of borrowing the banks money to live in my house. I have 3 children all of whom have an RESP set up for them. If I were to put away $6,000 for them ever year for the next 15 years, and I invested it in the safest savings vehicle available, GIC’s, my real rate of return over 15 years would be somewhere around 6.06%/year. This would almost double the rate of return I am getting by paying off my home. So, I would have to disagree with number 10.

    My suggestion was going to be if your mortgage interest rate was below 6%, invest the maximum you can into RESPs. The RESP is the most under-utilized savings vehicle (and Grant program) run by the government. Get in on it while it’s still around. If you don’t have children, open one for your niece, nephew, or godchild.

    If you don’t know anyone under the age of 16, invest in yourself and open a TFSA. You’ll thank yourself in 30 years when your withdrawls don’t affect your income tested benefits like the OASRI. In addition, all your earnings are tax exempt so make sure you put all the safe stuff in here (interest earning investments, line 129 on the tax return). Interest income has the least favourable tax treatment so you’ll want to stash those investments here. Remember, taxes = bad.

    Of course, if your mortgage is currently above 6%, do yourself a favour and call a mortgage broker. See if you can renegotiate your loan. If not, it may be cheaper to buy out of your current mortgage and open a new one.

    Two more hints (yes, I’m hoping the shotgun approach works for votes. The more topics I cover, the more likely I am to snag a vote or two….kinda like my answers in grade 10 History class). Switch your home phone and internet service to cia.com. Their internet access is just as fast as the big guys but they throw in a home phone for free. You’ll drop $25 to 40 off your monthly expenses. If you don’t want to do that, call Rogers and tell them you’re going to switch. My sister did that and her Rogers home phone service is now $3 a month.

    Second, get a prepaid phone from 7-11 or Petro Canada. Treat your phone as a luxury and not a necessity and you’ll easily shave $30/month off your cell phone bills.

    Thanks CC.

  68. I vote for #66.

  69. Idea: Stay invested!

    My Vote: #49 it covers everything

  70. My idea for 2009: Stockpiles of non-perishable consumer staples (rice, flour, toilet paper). With all of the “injections of cash” into the money supply, inflation will rear its ugly head by the end of the year. Stockpiling some staples while they are cheap will yield massive returns (percentage-wise, if not in true dollars).

    My vote: #13

  71. My plan? Buy more properties. With real estate dropping like a rock, and sellers getting increasingly desperate, mid-year onwards should see lots of good buying opportunities. The poor economic times will also mean an increase in renters, so buying low-maintenance places like condos, and mortgaging them to the point where rent covers mortgage + expenses means a property that carries itself, has a tax-deductable mortgage, and will increase in value the further from the peak you buy it and longer you hold on to it.

  72. The biggest help for me in fixing my finances was figuring out where my money is going. This is different than establishing a budget. This is just examining your cash flow without setting any limits, etc. It’s a step towards creating a budget, but not a budget.

    So I go for “figure out your cash flow”

  73. My vote is for #40 (take risks in TFSA for higher rewards)

    My mortgages are P-0.9, so no I would not pay down the mortgage debts especially with rental properties (writeoff)

    With such low interest rate especially after BoC cut today, my dollars will go toward high risk stocks (say Horizon Beta 2X leverage) in TFSA for short term “trades”

    And balanced profile in RRSP (it is after all for retirement and not short term). But money in equities/investment for sure and no this “HIGH” Savings Account nor GIC

    Also if one can afford, I think it’s good time to focus on Real Estate as well

  74. Cool contest

    Thanks for putting this up for grabs

    Hope I luck out


  75. My thoughts are to avoid the US $ like the plague it will soon be seen for. Also going long on energy and commodities. It will be a while, but when they bounce back they will soar.

    Gotta say Ben at #10 was the first to layout the most sound strategy for financial happiness. cheers all.

  76. The best investment plan is to HAVE a plan that will take you to your own financial independence. The vast majority of people do not even know where they want to go to or how to get there. The bedrock of any plan is to have enough term life insurance to cover you and your spouse. Your ability to earn money is the basis of any financial planning so you must protect this investment in yourself.

    I vote for # 41.

  77. I highly suggest you take advantage of any employer match programs at your workplace. Make sure you receive the maximum match every paycheck. Its an easy way to increase your wealth.

  78. Steve in Montreal

    Set up a high interest on line emergency fund before I lose my job.
    I like Ben’s comment #10

  79. #13!!

    And fire my financial advisor!

  80. Invest my TFSA and RRSP into mortgages and continue to buy more properties.

  81. My best 2009 investment suggestion is the TFSA; split it up by making one account through ING (maybe $2,500.00 cash/fixed) and one through a discount broker ($2,500.00 in fixed income or drip high quality, etc.) then work on an RRSP.

    I add my vote for Ben #10. Hopefully I have a change for the book.

  82. Best idea? Stick it out if you are in for the long term. Don’t panic!

    I also vote for #10.

  83. Investment Strategy for 2009


    Have all of your vacationing friends and family each bring back the maximum amount of cigars (50) back from Cuba duty free, store them for a few years and then sell them at auction.

    Or get a nice velour jumper and start living the life of a man/woman of leisure.

  84. The thing I’ve been looking at due to your website is the disparity between IVV and XSP (hedged to CAD). Here’s the question, though…since the Canadian dollar is so low right now, would it be worth it to lose money on the currency exchange in return for a better performing ETF?

    Best idea for managing the $$$ is this:
    Give yourself a weekly allowance for gas/food/eating out (all “variable spending”). When it’s done, you stop spending. My wife and I have a seperate chequing acct for this, and if we get to the end of the week and there is still money left, we can go out to dinner or to the movies or whatever we want. If it’s Tues AM and there’s no money left? Kraft Dinner.

  85. My vote is for #83. This, too, shall pass.

  86. I like #84. A kindred spirit, clearly.

  87. i plan on filling my tfsa act. with gold……..companies

    and then any extra money that i have in my broker acts., i plan on buying actual physical gold………and some companies that i think will give me some good capital gains in just a few days or months….

    my hon is laid off indefinitely, so i have to go easy on money, and be able to liquidate quickly….


  88. i plan on doing #12

    and i really like #13, but i will be marrying my hon in feb or march, and waiting for the good times again…………ha


  89. My best investment idea is to take a look at what you spend in a month and cut out things you don’t find important (e.g. that daily coffee at Starbucks?). Then take the amount you save (and more if you can afford it) and REGULARLY contribute to a diversified portfolio of ETFs (eg. XIC, XSP, XIN, XLB, XRB for a Canadian portfolio).

    For a bonus entry I am also going to vote for Ben at #10

  90. Cash is king in 09, I’d keep playing it safe.

  91. Simple, track Warren Buffets latest picks. And hold.

  92. I was surprised at how many people voted for #10 to pay down their mortgage. I’m new to the whole investment scene so correct me if I’m wrong, but to me this seems like the kind of situation where a long-term investor would want to be adding to his or her portfolio, not paying down a low-interest debt. Buy low, sell high, right?

  93. As always, there is never a one-size-fits-all approach to investing vs. reducing debt. “Best” approach is dependent on assumptions investment returns, mortgage rates, tax rates, appetite for risk, job security, etc, and most often the advice is simply to do both.

    Historically, I agree with you that investing in equities seems to have been a better bet than investing in the mortgage (although the numbers probably need to be re-calculated after the fall’s market crash). It does not necessarily hold true that past performance always predicts future performance. There are a lot of market pundits out there right now calling for reduced expectations from equity markets in the next decade (although, again, perhaps these projections may have to be revised higher now that the starting value is so much lower today).

    For me, I follow this train of thought. I might agree with you that, at retirement age of 65, my pool of assets are likely to be a higher value by investing more heavily in equities than by paying down my mortgage, ignoring all other variables. However, for me, simply having a larger asset value is not the whole equation.

    We need to think about the internal/external forces that play in our personal finances, such as job security, desire to reduce periods of financial distress/stress that result from job loss, family happiness, reduced arguments about money and bills, ability to pay the bills all of the time, etc. For many people who do not have an emergency fund, stuff wads of money into illiquid assets, and have no additional funds beside those, they walk a fine line should the employment disappear. Without cash to fund the monthly expenses, the home and car may have to be sold, causing real stress in your life, and in your family relationship. If your mortgage is paid off, you can probably go jobless for some time, and still have the comfort of the shingles over your head, and the Serta beneath. For every individual, the right balance is going to be different, and the appetite for risk different. If both spouses work in stable government jobs, then appetite for risk can justifiably be very high, and stuffing all available funds into equities is quite possibly the best course of action. Those who walk too fine a line between leverage and security in the name of juiced investment returns need to be aware of the range of possible outcomes.

    Clearly, economic times like these play on people’s fears, and a swing in sentiment occurs from high-risk activities to low-risk activities. Young people with no dependents will not feel this fear to a large extent, but for those with children especially, the change in sentiment is palpable over the last months.

    Lest one think me completely risk-averse, I should say that the lion’s share of my investments are in equities, and I have continued to contribute 10% of income to RRSP’s throughout this market turmoil.

    CC does a much better job of objectively laying out the facts in some of his earlier posts (look under mortgage or RRSP tags).

  94. Canadian Capitalist

    Okay, I finally got around to tallying the votes. The winners are Ben and pessimist. Ben got a billion votes and pessimist got 4, beating out Blair by just one vote. I’ll contact you very shortly.

    Jamie: I’m a huge fan of paying down the mortgage even though stocks can be expected to provide generous long-term returns. The reason is simple: it seems investors, on average, do not get those wonderful past stock returns. Expenses and emotions result in a large gap between the returns that stocks provide and the returns that investors actually realize. The gap is so large that they might have done better by being in bonds!

    It is not clear to me that buying stocks today is a slam-dunk as opposed to paying down a mortgage. Like Ben points out, there are other advantages of nuking the mortgage, including peace of mind, a healthier balance sheet etc.

  95. i agree with this statement wholeheartedly, but i do like to buy for my portfolio………can’t help it…..good times and bad

    “Charles in Vancouver // Jan 16, 2009 at 1:15 am

    Really, there is no safer an investment than simply choosing where not to throw your money away.”