Subscribe: The Money Clip from The Vault at Scotiabank
http://feeds.feedburner.com/TheMoneyClip
Added By: Feedage Forager Feedage Grade B rated
Language: English
Tags:
address  business  guest joel  marketing  money  online  parents  scotiabank  skilled trades  skilled  tips  trades business  trades 
Rate this Feed
Rate this feedRate this feedRate this feedRate this feedRate this feed
Rate this feed 1 starRate this feed 2 starRate this feed 3 starRate this feed 4 starRate this feed 5 star

Comments (0)

Feed Details and Statistics Feed Statistics
Preview: The Money Clip from The Vault at Scotiabank

The Money Clip from The Vault at Scotiabank



The Money Clip podcast series from The Vault at Scotiabank is your direct line to exclusive interviews with experts who discuss aspects of personal finance and provide insights into your money. We'd love for you to get involved and become part of the conv



Copyright: Copyright 2006
 



Episode #38 - Managing Your Skilled Trades Business and its Finances

Mon, 10 Mar 2008 13:37:00 -0500

When you own a skilled trades business, managing your finances is just as important as the work itself. Learn how managing relationships with your clients and employees can impact your bottom line, get advice for dealing with the realities of growing a business, and listen in to the top 10 things that can spell success for your business.

  • 0:00 - Intro music.
  • 0:30 - Host David Wilton introduces the series, himself, guest Joel Scopelleti and today's topic.
  • 1:00 - What are some of the key challenges managing your business and its finances?
  • 1:47 - Tips to keep your cash flow healthy.
  • 2:36 - How do you have a healthy conversation about payment with your clients in a competitive marketplace?
  • 3:36 - Dealing with employees and the importance of being involved.
  • 5:10 - Growing your business and how to ensure you don't stretch your resources too much when growing.
  • 6:25 - Top 10 tips to be successful in a skilled trades industry.
  • 9:06 - Wrap up.
  • 9:22 - Outro music.

Related Links
1. Carick Home Improvements
(Please note: This link is external to Scotiabank and is provided for informational purposes only. Scotiabank is not associated with, nor do we recommended or endorse, any products or services found through this link.)

2. Visit us here for more Skilled Trades Resources.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/sqPxMPnmwS4/38-Managing-Your-Skilled-Trades-Business-and-its-Finances.mp3




Episode #37 - Sales and Marketing for Skilled Trades

Mon, 10 Mar 2008 13:36:00 -0500

Like with any business, sales and marketing plays a critical role in the growth of a skilled trades business. In this episode, guest Joel Scopelleti explains the importance of creating a marketing plan, and gives tips and advice on cost effective ways to build a loyal client base, and increase sales by attracting new customers.

  • 0:00 - Intro music.
  • 0:31 - Host David Wilton introduces the series, himself, guest Joel Scopelleti and today's topic.
  • 1:16 - Where does sales and marketing fit in a business plan?
  • 1:50 - What are some sales and marketing best practices for the skilled trades industry?
  • 2:43 - Distinguishing your business with a value proposition.
  • 3:22 - Turning your business values into a marketing strategy.
  • 3:47 - Building your marketing strategy.
  • 4:25 - Converting customers to clients and how and why it should be a part of your marketing strategy.
  • 6:38 - The importance of referrals to the skilled trades industry.
  • 7:55 - What are some of the methods/tactics you use in your marketing strategy?
  • 9:39 - How does seasonality and the economy affect your marketing strategy?
  • 12:02 - How does the Internet impact your marketing plan?
  • 13:18 - Wrap up.
  • 13:33 - Outro music.

Related Links
1. Carick Home Improvements
(Please note: This link is external to Scotiabank and is provided for informational purposes only. Scotiabank is not associated with, nor do we recommended or endorse, any products or services found through this link.)

2. Visit us here for more Skilled Trades Resources.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/hhaYcVQJH28/37-Sales-and-Marketing-in-the-Skilled-Trades-Industry.mp3




Episode #36 - Starting a Skilled Trades Business

Mon, 10 Mar 2008 13:35:00 -0500

In this episode, guest Joel Scopelleti of Carick Home Improvements talks about the challenges and opportunities involved in starting a skilled trades business. From deciding whether to enter a formal apprenticeship program, to finding your niche in the market, to getting ahead through community involvement, tune in and learn how to get your skilled trades business off the ground.

  • 0:00 - Intro music.
  • 0:30 - Host David Wilton introduces the series, himself, guest Joel Scopelleti and today's topic.
  • 1:29 - How being involved in the community can help your business.
  • 1:56 - How Joel got started in skilled trades.
  • 2:36 - Getting started in the skilled trades industry.
  • 4:20 - What role does a mentor play when learning a skilled trade?
  • 5:29 - What was the biggest challenge getting started?
  • 7:30 - What were the biggest opportunities when getting into the business?
  • 8:54 - Wrap up.
  • 9:11 - Outro music.

Related Links
1. Carick Home Improvements
(Please note: This link is external to Scotiabank and is provided for informational purposes only. Scotiabank is not associated with, nor do we recommended or endorse, any products or services found through this link.)

2. Visit us here for more Skilled Trades Resources.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/JQh2c0-BYl0/36-Starting-a-Skilled-Trades-Business.mp3




Episode #35 - Online Security: How To Protect Your Kids Online

Thu, 1 Nov 2007 14:41:00 -0500

In this episode of The Money Clip, host Michael Seaton is joined by cyber security expert Rob Nickel, author of Staying Safe in a Wired World: A Parent's Guide to Internet Safety. A skilled undercover police officer who specializes in tracking online predators, Mr. Nickel has appeared on television shows including Canada AM and Dr. Phil. His mandate is to help parents learn how to protect their children and to avoid danger zones when they're online.

  • 0:00 - Intro music.
  • 0:31 - Host Michael Seaton introduces the series, himself, guest Rob Nickel and today's topic.
  • 1:18 - Should parents allow young kids to use the Internet? How young is too young to get started?
  • 2:06 - What steps can parents take to protect their children and guard against potential problems?
  • 3:25 - What issues are present in areas like Facebook and MySpace? How can parents tell if their kids are at risk? What are the dangers older kids face?
  • 4:42 - How much information is safe to post online? What information is ok to share? What should never be shared online?
  • 6:34 - What proactive steps can parents take to protect their kids online?
  • 8:10 - How should parents talk to their kids about risks when many parents are intimidated by today's technology?
  • 9:30 - How much time is too much time online?
  • 10:43 - Is it alright for parents to spy on their kids when they use the Internet?
  • 12:00 - What are the top safety tips parents can use to keep their children safe?
  • 13:45 - How prevalent are the dangers online, and what is the reality?
  • 16:57 - Contact information and resources for parents: Cyber-Safety.com.

Related Links
1. Cyber-Safety.com - Internet Safety Site
(Please note: This link is external to Scotiabank and is provided for informational purposes only. Scotiabank is not associated with, nor do we recommended or endorse, any products or services found through this link.)

2. Visit us here for more information on safe computing practices: Scotiabank - Safe Computing Practices

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/MNP-olUQ8QU/35-Online-Security-Part1.mp3




Episode #33 - Home Ownership: How to Decorate on a Budget

Tue, 29 May 2007 11:54:00 -0500

As it becomes more affordable, interior decorating is becoming an increasingly popular pastime. Tune in to hear guest Margie Doyle White of television's "Take This House and Sell It," talk about this trend. From colour choice, to accessorizing, to creating looks that will last, get advice on the best way to decorate on a budget.

  • 0:00 - Intro music.
  • 0:31 - Host Michael Seaton introduces the series, himself, guest Margie Doyle White and today's topic.
  • 1:11 - Why has interior decorating become so popular?
  • 2:30 - What are some of today's trends for home decorating?
  • 3:04 - What are some easy ways to breathe new life into a space on a tight budget?
  • 4:46 - How to avoid decorating faux pas.
  • 5:36 - Tips for creating looks that won't seem dated in a year.
  • 6:40 - Wrap up.
  • 6:54 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/7FnxsEpcrUs/33-Home-Ownership-Part8.mp3




Episode #31 - Home Ownership: Tips for Renovating the Right Way

Tue, 22 May 2007 13:20:00 -0500

Whether you are renovating for lifestyle or simply for maintenance, home renovations are almost always a good investment. In this episode, guest Mark Salerno of CMHC gives advice on how to boost the resale value of your home by choosing the right renovations, as well as how to proceed once you've decided to make changes to your home.

  • 0:00 - Intro music.
  • 0:31 - Host Michael Seaton introduces the series, himself, guest Mark Salerno and today's topic.
  • 1:10 - What are the reasons for, and rewards of home renovations?
  • 1:29 - How do you decide which renovations are right for you?
  • 2:17 - Do some renovations offer greater payback than others?
  • 2:53 - How to proceed once you've decided to renovate.
  • 3:46 - Renovating to make your home more energy efficient.
  • 4:35 - What should a home renovation contract cover to ensure that the work will go as planned?
  • 5:31 - Selecting the right contractor.
  • 6:41 - Wrap up.
  • 6:55 - Outro music.

References in this podcast:

1. CMHC Sample Renovation Contract

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/Oyr3Tcfifwo/31-Home-Ownership-Part6.mp3




Episode #29 - Home Ownership: Tips for Having a Home Inspected

Thu, 17 May 2007 14:05:00 -0500

In this episode, guest Mark Salerno of CMHC talks about the process of having a home inspected. What does a home inspector do? What will a home inspector not do? How much will it cost? Do you have to be there for the inspection? Tune in and learn what you can expect from a home inspection, and learn how a home inspection can help you make a more informed decision about buying a home.

  • 0:00 - Intro music.
  • 0:31 - Host Michael Seaton introduces the series, himself, guest Mark Salerno and today's topic.
  • 1:10 - What is the role of a home inspector?
  • 1:40 - What does a home inspector examine?
  • 2:06 - What will a home inspector not do?
  • 2:37 - At what stage in the buying process should an inspector be brought in?
  • 3:08 - Are there any situations where a home inspection may not be required?
  • 3:40 - Can sellers also use inspectors?
  • 4:30 - Is there a difference between home inspectors for condos, townhomes and semi-detached homes?
  • 5:02 - How to find an inspector and check their credentials.
  • 5:37 - How much will an inspection cost, and how important is it to be there during the inspection?
  • 6:19 - What documentation will you receive at the end of the process?
  • 6:37 - Warning signs - what can you look for on your own when considering a home?
  • 7:21 - Wrap up.
  • 7:37 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/fPkZ4VGkVa8/29-Home-Ownership-Part4.mp3




Episode #28 - Home Ownership: How to Work With a Real Estate Agent

Wed, 16 May 2007 15:13:00 -0500

Once you begin the process of looking for a home, choosing a real estate agent is one of the first big decisions you'll have to make. It's important to choose an agent you feel comfortable with, and who will be the right fit for your needs. Listen in as guest Mark Salerno of CMHC talks about when to bring in a real estate agent, and what the role of an agent should be.

  • 0:00 - Intro music.
  • 0:30 - Host Michael Seaton introduces the series, himself, guest Mark Salerno and today's topic.
  • 1:01 - What are the advantages of working with a real estate agent?
  • 1:32 - How do you find a real estate agent, and how do you know if an agent will be right for you?
  • 2:29 - When should the other members of your home buying team get involved?
  • 3:06 - How are real estate agents compensated?
  • 3:29 - What are the most important qualities to look for in a real estate agent?
  • 4:22 - Wrap up.
  • 4:35 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/voVfHXk9Phw/28-Home-Ownership-Part3.mp3




Episode #27 - Home Ownership: Learning the ABC's of Mortgages

Tue, 15 May 2007 11:14:00 -0500

Should you choose an open mortgage or closed? Fixed rate or variable rate? Shopping for a mortgage can be overwhelming - with so many options, it's often difficult to know what type of mortgage will be the best choice for you. In this episode, guest Mary Stergiadis of CMHC talks about mortgages. Listen in, and learn how you can get the most out of your mortgage.

  • 0:00 - Intro music.
  • 0:30 - Host Michael Seaton introduces the series, himself, guest Mary Stergiadis and today's topic.
  • 1:01 - The importance of understanding your different mortgage options.
  • 2:16 - What is the difference between a fixed rate mortgage and a variable rate mortgage?
  • 3:22 - How can you tell which option will be right for you?
  • 4:24 - What is the difference between an open mortgage and a closed mortgage?
  • 5:38 - Historically, which option has been the best choice for Canadian homeowners?
  • 6:51 - How can you save money with your mortgage?
  • 7:39 - Why refinance a mortgage?
  • 8:50 - Advice to help Canadians get the most out of their mortgages.
  • 9:28 - Wrap up.
  • 9:41 - Outro music.

References in this podcast:

1. CMHC's Homebuying Step by Step guide

2. Scotiabank's The Long and Short Mortgage

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/d3CbjaO5tAM/27-Home-Ownership-Part2.mp3




Episode #26 - Home Ownership: Things to Consider When Buying Your First Home

Mon, 14 May 2007 11:13:00 -0500

Purchasing a first home is one of the biggest emotional and financial decisions many people ever make. In this episode, guest Mary Stergiadis of CMHC walks first time buyers through the process of purchasing a new home, from the time you make the decision to buy, right up to what you should expect on closing day.

  • 0:00 - Intro music.
  • 0:31 - Host Michael Seaton introduces the series, himself, guest Mary Stergiadis and today's topic.
  • 1:09 - How can you tell if you are ready to become a homeowner?
  • 2:09 - What to do when getting started.
  • 3:03 - What are the critical factors for a first-time home buyer to consider?
  • 4:12 - Understanding the difference between new developments and established communities.
  • 5:36 - What is involved in the pre-approval process?
  • 6:09 - What are the benefits of getting pre-approved?
  • 6:47 - What do lenders look at in your pre-approval?
  • 8:55 - When should you bring in a real estate agent?
  • 9:34 - Who else is part of the home buying team?
  • 11:23 - Additional expenses to keep in mind so there are no surprises.
  • 15:55 - Wrap up.
  • 16:17 - Outro music.

References in this podcast:

1. CMHC's Homebuying Step by Step guide

2. Scotiabank's What Can I Afford calculator

3. Equifax

4. MLS Online

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/71hXoUhEETk/26-Home-Ownership-Part1.mp3




Episode #25 - Business Clips: Starting up a Small Business

Mon, 7 May 2007 09:24:00 -0500

Starting a successful small business takes enthusiasm, determination and careful planning. From writing the business plan to setting up your finances, guest David Wilton, Director of Small Business Banking at Scotiabank, provides advice on becoming an entrepreneur.

  • 0:00 - Intro music.
  • 0:30 - Host Michael Seaton introduces the series, himself, guest David Wilton and today's topic.
  • 0:52 - Coming to grips with the entrepreneurial mindset.
  • 1:41 - How important is a business plan, and what resources are available to help?
  • 3:43 - Taking advantage of networking opportunities and continuing education to get ahead in business.
  • 5:49 - Getting your financial house in order, in preparation for launching a new business.
  • 7:50 - What are the benchmarks for success in the early years of a small business?
  • 8:46 - Wrap up.
  • 9:03 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/U2jsdAu0QL4/25-Business-Clips-Part3.mp3




Episode #24 - Business Clips: Advice on Borrowing for Businesses

Fri, 4 May 2007 16:36:00 -0500

There comes a time for every small business when it's necessary to borrow in order to continue to grow. In this episode, guest David Wilton talks about how and when to borrow money to invest in your small business. Listen and learn how you can borrow smarter, to be sure to get the most out of your loan.

  • 0:00 - Intro music.
  • 0:30 - Host Michael Seaton introduces the series, himself, guest David Wilton and today's topic.
  • 1:03 - What are the primary reasons to borrow, and when is borrowing a good investment?
  • 2:10 - How can borrowing be looked at in a positive light?
  • 2:51 - Strategies for keeping borrowing costs low.
  • 3:51 - When should a business apply for credit?
  • 4:28 - Should business owners use personal assets to lower borrowing costs?
  • 5:34 - How can business owners keep credit scores high and keep an eye on credit ratings?
  • 6:45 - Wrap up.
  • 7:05 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/XOWxKjYZQLw/24-Business-Clips-Part2.mp3




Episode #23 - Business Clips: How to Boost Your Cash Flow

Thu, 3 May 2007 04:36:00 -0500

Cash flow is the lifeblood of any business, large or small. Cash flow is how businesses finance growth, and pay for the day-to-day expenses involved in keeping a business afloat. Listen to guest David Wilton explain how just a few changes to the way you deal with payables and receivables can have a significant impact on your cash flow.

  • 0:00 - Intro music
  • 0:30 - Host Michael Seaton introduces the series, himself, guest David Wilton and today's topic.
  • 1:03 - What is cash flow, and why is it so important for a business?
  • 1:47 - Strategies to avoid cash flow problems and cash flow planning.
  • 3:59 - Banking strategies to maintain cash flow.
  • 6:27 - What are continuity sales and what type of business would use this tactic?
  • 7:22 - Wrap up.
  • 7:53 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/MedVIZ8QZiA/23-Business-Clips-Part1.mp3




Episode #22 - Two Minutes to a Better RSP: How Does Your RSP Compare With Those of Other Canadians?

Fri, 16 Feb 2007 10:43:00 -0500

This episode, the last in our special RSP series, looks at the retirement-planning behaviour of Canadians. Ever wondered how much money the average Canadian contributes annually? What the value of their investments are? Or what most of us invest in? Tune in and see how you stack up. Statistics mentioned in this podcast are sourced from:Statistics Canada, "The Wealth of Canadians" (2006)Scotiabank press release, "Four in ten Canadians have withdrawn from their RSP" (released Jan. 8, 2007)

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/C2gRAABEWIc/22-Two-Minutes-To-A-Better-RSP-Part16.mp3




Episode #21 - Two Minutes to a Better RSP: Converting Your RSP When it Matures

Thu, 15 Feb 2007 10:43:00 -0500

Deciding how you're going to convert your RSP when it matures can be just as important as deciding how you're going to contribute to it. There are several options available to you when converting your RSP at age 69. This episode speaks to three options: converting the entire value of your RSP to cash, buying an annuity or converting your RSP to an RRIF. Listen and learn about the basics of converting your RSP savings.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/KCD7WFaX1H4/21-Two-Minutes-To-A-Better-RSP-Part15.mp3




Episode #20 - Two Minutes to a Better RSP: The Benefits of Spousal RSPs

Wed, 14 Feb 2007 09:33:00 -0500

This episode deals with benefits of splitting your income via a spousal RSP. Since one large income is taxed at a higher rate than two smaller incomes of the same total value, spousal RSPs can be an effective way to reduce your overall taxes. Tune in to learn the basics of a spousal RSP.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/v9NVwwXrQ54/20-Two-Minutes-To-A-Better-RSP-Part14.mp3




Episode #19 - Two Minutes to a Better RSP: The Benefits of Managing Your Own Investments

Tue, 13 Feb 2007 09:59:00 -0500

Many Canadians turn to online investing because it offers them greater control. Listen in as John Ballard of ScotiaMcLeod describes how self-managed investors enjoy the convenience and cost savings inherent in online investing.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/Aav1ICq_Q_I/19-Two-Minutes-To-A-Better-RSP-Part13.mp3




Episode #18 - Two Minutes to a Better RSP: Doing It Right Yourself with Research and Tools

Mon, 12 Feb 2007 14:27:00 -0500

With the wealth of investment information available online, Canadians have never been better equipped to manage their own investment portfolios. In this episode, guest John Ballard simplifies the various research materials and tools available to the self-managed investor. Listen and learn about the difference between fundamental and technical research, sector performance ratings and the ever-important price to earnings ratio.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/JaUA8gEHLig/18-Two-Minutes-To-A-Better-RSP-Part12.mp3




Episode #17 - Two Minutes to a Better RSP: Do-It-Yourself Portfolio Building 101

Fri, 9 Feb 2007 14:05:00 -0500

To successfully manage a self-directed RSP investment portfolio, you should carefully consider the balance of your holdings, your time horizon and your comfort level in terms of risk versus security. This episode features John Ballard offering helpful pointers on how to build your portfolio with a variety of investment options. If you are considering going down the path of self-directed investing, listen in to find out how to do it the right way and build for your future.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/kLxqg6b3_j0/17-Two-Minutes-To-A-Better-RSP-Part11.mp3




Episode #16 - Two Minutes to a Better RSP: Should Your Manage Your Own RSP Investments?

Thu, 8 Feb 2007 15:57:00 -0500

With all the information available online and in financial publications, it is easier than ever to acquire the knowledge you need to be a smart investor and manage your portfolio yourself. But before you make the decision to go down the self-directed investing path, there are some things you should take into consideration. This episode of The Money Clip features John Ballard of ScotiaMcLeod Direct Investing offering some insights to help you decide if direct investing is right for you.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/7tm_NwQbLvs/16-Two-Minutes-To-A-Better-RSP-Part10.mp3




Episode #15 - Two Minutes to a Better RSP: Pay Into Your RSP or Pay Down Your Mortgage

Wed, 7 Feb 2007 15:57:00 -0500

Many Canadians are tempted to pay down their mortgage instead of contributing to their RSP. While this might sound like a sensible approach, you should take your entire investment portfolio into consideration. What if you could get the best of both worlds? Listen to this episode so you can make an informed decision on how to pay down your mortgage and save for your future.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/lnRs7Q2_8Iw/15-Two-Minutes-To-A-Better-RSP-Part9.mp3




Episode #14 - Two Minutes to a Better RSP: Long-Term Vision

Tue, 6 Feb 2007 08:40:00 -0500

Market fluctuations are a part of life. Oftentimes, investors move their investment holdings when they experience market volatility. This episode explains how a well-balanced portfolio is a long-term strategy that helps weather potentially stormy markets. Take two minutes to find out how you can benefit from a diversified approach and also take advantage of "dollar-cost averaging".

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/Lk9VrIJe2mk/14-Two-Minutes-To-A-Better-RSP-Part8.mp3




Episode #13 - Two Minutes to a Better RSP: The Benefits of Consolidating

Mon, 5 Feb 2007 08:40:00 -0500

Investment portfolios aren't built overnight. They develop over time, which is why they are sometimes scattered. While it seems natural to accumulate investments under different accounts, there are benefits to consolidating your RSP holdings. Listen and learn how consolidation can help you identify weaknesses in your portfolio, make doing your taxes easier and reduce the amount of paperwork you have to do.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/y2JKYKYN_pY/13-Two-Minutes-To-A-Better-RSP-Part7.mp3




Episode #12 - Two Minutes to a Better RSP: Two Minutes to a Better RSP: Going Global

Fri, 2 Feb 2007 10:02:00 -0500

Diversification isn't just about mixing asset classes; geography is also important. Investing in different global markets is another effective way of reducing risk and maximizing returns. Why invest outside of Canada? What sectors are more available outside of Canada? What's the easiest way to gain global exposure? Take two minutes to find out.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/t0W6swmAc6I/12-Two-Minutes-To-A-Better-RSP-Part6.mp3




Episode #11 - Two Minutes to a Better RSP: Diversification is the Name of the Game

Thu, 1 Feb 2007 10:02:00 -0500

The old adage, "don't put all your eggs in one basket" makes an appearance in this episode of The Money Clip. Listen and learn how diversification can protect your investments and maximize your returns. Learn about the varied asset classes you can invest in to make the most of your RSP.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/hFPbsGJLAgY/11-Two-Minutes-To-A-Better-RSP-Part5.mp3




Episode #10 - Two Minutes to a Better RSP: Borrowing to Invest

Wed, 31 Jan 2007 10:02:00 -0500

How do you know if it's a good idea to borrow in order to contribute to your RSP? This episode explores some of the scenarios that can help you understand if borrowing is right for you.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/elof07Fbxyo/10-Two-Minutes-To-A-Better-RSP-Part4.mp3




Episode #9 - Two Minutes to a Better RSP: How Much is Enough?

Tue, 30 Jan 2007 10:02:00 -0500

So you've been contributing to your RSP for years now and are beginning to wonder if you have enough saved. How much is enough? That's a complex and highly personal question, one that requires you to ask yourself a few things. This episode explores some of the things you have to consider in order to decide just how much is enough.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/C74QBAISuEE/09-Two-Minutes-To-A-Better-RSP-Part3.mp3




Episode #8 - Two Minutes to a Better RSP: Making Regular Contributions

Mon, 29 Jan 2007 10:02:00 -0500

While it may seem obvious that making regular contributions to your RSP is the best way to build up your savings, people often don't realize how easy it is. Make saving simple with this tip about how regular contributions can go a long way.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/3HADosuLKWI/08-Two-Minutes-To-A-Better-RSP-Part2.mp3




Episode #7 - Two Minutes to a Better RSP: Why Do I Need an RSP?

Thu, 25 Jan 2007 10:02:00 -0500

The RSP deadline is fast approaching. There's no better time to brush up on your RSP knowledge. This series features quick, insightful and useful tips intended to help you make the most of your retirement savings plan. So, let's start at the beginning: why do you need an RSP? What are the benefits of owning one? What is tax-free compound growth? What different types of RSPs are available? Listen to this episode to get a straightforward explanation of the importance of planning for your future.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/8DMAstFX94w/07-Two-Minutes-To-A-Better-RSP-Part1.mp3




Episode #6 - The Stock Market, an Investor's Guide: The Market Goes Mainstream

Fri, 24 Nov 2006 14:45:00 -0500

"The market is an emotional animal," says Fred Ketchen in this, the third and final episode of The Money Clip's exploration of the inner workings of the stock market. Listening to Ketchen survey the history of how the market has reacted to major news stories is as entertaining as it is educational. How did world events like the assassination of JFK and 9/11 affect the stock market? How long did it take the markets to overcome the trauma of those events? Whether Ketchen is talking about bull markets or bursting bubbles, he brings a thoughtfulness to the discussion that makes this episode a must-hear.

  • 0:00 - Intro music
  • 0:32 - Host Michael Seaton introduces the series, himself, guest Fred Ketchen and today's topic.
  • 1:02 - Request for listener feedback.
  • 1:15 - When did investing in the stock market become so popular with the general public?
  • 2:50 - The impact of world events on Canadian markets: 9/11, the oil crisis and the assassination of JFK.
  • 4:25 - The lessons lelarned since Black Monday (October 19, 1987).
  • 5:10 - Safeguards implemented to limit market volatility.
  • 6:10 - The Bulls and the Bears.
  • 7:10 - The Dot Com Crash and how to identify stock market bubbles
  • 9:30 - After the bubble-burst: the eventual bounce-back.
  • 10:50 - How new technology has changed investing.
  • 12:20 - Technology has made investing more available to ordinary people today than ever before. What effect has this had on market stability and efficiency?
  • 14:26 - Wrap up.
  • 14:53 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/UxyZ6fuORvg/06-The-Stock-Market-Part3.mp3




Episode #5 - The Stock Market, an Investor's Guide: Portfolio Building From the Ground Up

Wed, 22 Nov 2006 10:00:00 -0500

Thinking about investing in your future? Follow Fred Ketchen as he expertly guides listeners through the fundamentals of stock market investing. Whether he's discussing income trusts or the importance of researching your investments, Ketchen exhibits an enthusiasm that is both engaging and educational. Take the time to listen to this episode - it's a good investment.

  • 0:00 - Intro music.
  • 0:02 - Host Michael Seaton introduces the series, himself, guest Fred Ketchen and today's topic.
  • 1:02 - Request for listener feedback.
  • 1:05 - The basics: How does one go about buying a stock?
  • 2:04 - How to research a potential investment, what to look for and where to look.
  • 4:06 - Working with an advisor versus investing on your own.
  • 5:09 - Growth investing versus value investing.
  • 6:02 - The importance of the Price to Earnings Ratio.
  • 7:00 - What is an exchange-traded fund?
  • 7:05 - Growth, value and income investing.
  • 8:05 - Income Trusts in the news: What's the outlook for investors?
  • 11:50 - Common investing mistakes.
  • 13:50 - Words of wisdom: Sound advice from Fred Ketchen.
  • 14:23 - Wrap up.
  • 14:40 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/hrXCEA3DOhU/05-The-Stock-Market-Part2.mp3




Episode #4 - A Brief History of the Stock Market

Wed, 15 Nov 2006 01:43:00 -0500

Where was the first stock market? When was it founded? Does the popular picture of the chaotic trading floor hold true? These questions and more are answered in this episode of The Money Clip. Featured guest Fred Ketchen enthusiastically explores the history of the stock market, expertly tracing it from its origins to present day, and beyond. Tune in and enjoy this enlightening discussion, full of facts that are sure to impress your friends and financial advisor alike.

  • 0:00 - Intro music
  • 0:32 - Host Michael Seaton introduces the series, himself, guest Fred Ketchen and today's topic.
  • 1:00 - Request for listener feedback.
  • 1:10 - Where and when did the first stock market open?
  • 2:00 - Who were the first stock market investors?
  • 2:25 - When did North American markets open for business?
  • 2:33 - The humble beginnings of the New York Stock Exchange.
  • 3:15 - The history of the Montreal Stock Exchange.
  • 3:25 - The origins of the Toronto Stock Exchange.
  • 4:25 - What are indices and sub-indices?
  • 5:55 - What do they represent to the average investor?
  • 6:55 - Cross-border shopping: The difference between American and Canadian markets.
  • 7:55 - How has the stock market evolved over the years?
  • 9:24 - Is the trading floor really as frantic as the image portrayed in popular media?
  • 11:05 - Predictions on how the stock market will evolve over the next few years.
  • 12:55 - Wrap up.
  • 13:10 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/cqbE6ez1Vtc/04-The-Stock-Market-Part1.mp3




Episode #3 - Mutual Fund Investing 101: Hedging your Bets

Tue, 17 Oct 2006 15:45:00 -0500

Intended for the more experienced investor, this episode of The Money Clip is the third and final installment in a series exploring the particulars of mutual fund investing. Host Michael Seaton and guest Ian Filderman delve deep into the subtleties of niche-market funds and discuss how they can be used in combination to build the perfect portfolio. Have you ever wondered what "selling short" is? What funds of funds consist of? Whether you should invest in a hedge fund? Tune in to find the answers to these questions and more.

  • 0:00 - Intro music.
  • 0:30 - Host Michael Seaton introduces the series, himself, guest Ian Filderman and today's topic.
  • 1:00 - Request for listener feedback.
  • 1:15 - Introduction: a deeper look at Global and Sector investing.
  • 1:23 - Should advanced investors bypass mutual funds and invest directly in the stock market? How do experienced investors look at mutual funds?
  • 2:35 - How much global exposure should the Canadian investor have?
  • 3:00 - The difference between Canadians and Americans in the equity market.
  • 4:00 - What are the unique opportunities offered by different types of funds (i.e. sectors, index funds)?
  • 6:15 - A caveat about narrow investing sectors.
  • 7:35 - Should niche funds be monitored more carefully than balanced funds?
  • 9:10 - Should riskier funds be traded actively like stocks?
  • 9:30 - The role of a sector fund in a diversified portfolio.
  • 10:30 - What is a fund of funds and who are they appropriate for?
  • 12:35 - Will a beginner investor benefit from a fund of funds?
  • 13:25 - What is a hedge fund?
  • 14:25 - What is selling short?
  • 15:40 - Who are hedge funds for?
  • 16:25 - Wrap up.
  • 16:55 - Outro music.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/9jFb2EJmtAw/03-Mutual-Fund-Investing-Part3.mp3




Episode #2 - Mutual Fund Investing 101: Finding the Fund for You

Wed, 11 Oct 2006 17:03:00 -0500

This episode of The Money Clip is part two of a three-part series exploring the ins-and-outs of mutual fund investing, and is intended for the intermediate-level mutual fund investor. Host Michael Seaton and guest Ian Filderman cover a broad range of topics with special emphasis paid to the relationship between risk and reward. Learn about different types of fund diversification, and listen to an in-depth analysis of that age-old axiom "buy low, sell high".

  • 0:00 - Intro music.
  • 0:35 - Host Michael Seaton introduces the series, himself, guest Ian Filderman and today's topic.
  • 1:00 - Request for listener feedback.
  • 1:10 - Introduction.
  • 1:25 - How do investors know they're choosing the right mutual fund?
  • 2:20 - How important are past performance figures?
  • 3:00 - How important is asset allocation?
  • 3:15 - How many mutual funds should I own?
  • 4:40 - Knowing what you own and why you own it.
  • 5:15 - Risky business: the relationship between risk and return.
  • 7:55 - What's the difference between short-term and long-term investing?
  • 8:30 - Too much micromanaging can be a bad thing.
  • 9:25 - Take time: don't get caught up in short-term market fluctuations.
  • 11:40 - How often should the average person review his or her portfolio?
  • 12:35 - What do fund performance numbers really mean?
  • 14:15 - Wrap up.
  • 14:30 - Outro music and contact info for The Money Clip.
  • 15:10 - End.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/rVT_PGUzbBM/02-Mutual-Fund-Investing-Part2.mp3




Episode #1 - Mutual Fund Investing 101: Laying the Foundations

Tue, 3 Oct 2006 15:04:00 -0500

This episode of The Money Clip features Ian Filderman describing the basics of mutual fund investing. While this episode is intended for the novice mutual fund investor, it's relevant to any interested investor. Host Michael Seaton, Editor of MyVault News program at Scotiabank, asks questions ranging from the basic "What exactly is a mutual fund?" to topics such as liquidity and diversification. Learn everything you need to know about management expense ratios, deferred sales charges, investment classes and more.

  • 0:00 - Intro music.
  • 0:00 - Host Michael Seaton introduces the series, himself, guest Ian Filderman and today's topic.
  • 1:00 - Contact info for The Money Clip.
  • 1:00 - What is a mutual fund?
  • 2:05 - Were mutual funds introduced to simplify investing?
  • 3:00 - What are some of the benefits of mutual fund investing?
  • 5:06 - What fees/charges can investors expect to pay?
  • 7:00 - Why is diversification important?
  • 8:00 - Are mutual funds inherently risky?
  • 9:00 - Do you need to understand how the stock market works to invest in mutual funds?
  • 10:20 - How liquid is this type of investment?
  • 11:45 - Management, oversight and the fund's prospectus.
  • 12:10 - What kind of mutual fund should a new investor consider?
  • 13:00 - Host's wrap up.
  • 13:15 - Outro music and contact info for The Money Clip.
  • 13:56 - End.

We'd love for you to get involved and become part of the conversation. Send us your questions, comments or money management tips so that we can address them in future podcasts. Our email address is themoneyclip@scotiabank.com, and our call-in number is 1-866-652-5333.

(image)


Media Files:
http://feedproxy.google.com/~r/TheMoneyClip/~5/1DvKyyjNyh8/01-Mutual-Fund-Investing-Part1.mp3