11 FEBRUARY 2013WEEKLY

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Home Owners, Here’s a Good News 2 3

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Finance Minister Jim Flaherty is sticking to his timetable for balancing the federal budget, even though lower prices for Canadian oil is “obviously a concern” for spending plans in the coming year.

“It is obviously a concern, not only in Alberta, but in our government about commodities prices, the price of oil,” he told reporters following a speech to the Economic Club in Ottawa.

The discount between Canadian and world oil prices ballooned to about $40 a barrel, although that gap has recently narrowed.

“Yes, it affects our budgeting because it affects commodities prices,

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obviously, which affect the level of nominal GDP, which affects the level of revenues. So that all follows,” he said.

Mr. Flaherty reiterated the deficit build up during the 2008-09 recession will be eliminated by 2015, when the next election is expected to be called.

“We remain on track to balance the balance during this current [session of] parliament.” In his speech, Mr. Flaherty promised to continue the “fiscal sustainability” that kept Canada from the worst impact of the recession.

(Source: Financial Post)

ECONOMY IS ON TRACK - JIM FLAHERTY

www.dreamsandmoney.com

Dream Issue3 6

Aditya Mahesh is an Google Analytics. It enables associate product marketing you to track an incredible manager at Google where he amount of information about works on the Get Your who your visitors/customers Business Online program. If are, where they are coming you are a business owner, from, what they are doing, better to listen to his advice; and how you can increase all in his own words (edited conversions. It takes some version). time to master, but Google’s

IQ Lessons are a good place to Last month marked my start.one year anniversary at Google. After

spending the past year, here is a list of 4. HONE YOUR REAL-WORLD skills I wish I had learned earlier and my WRITING SKILLS (WRITE)favorite (free) classes/resources to help it’s about being as clear, concise and you get started. authentic as possible – whether it’s for a

1. LEARN HOW TO MOCK-UP presentation, marketing campaign, or e-WHAT YOU WANT TO CREATE mail. To get started, Copy Blogger has a (DESIGN) Copy writing 101 series worth taking a

look at.If you can’t code, then make sure you learn Photoshop (or something similar) 5. EXPERIMENT RUNNING so you can at least mock-up what you ONLINE ADVERTISING want to build. CAMPAIGNS (PROMOTE)

2. START LEARNING HOW TO Search Engine Land has a PPC CODE (BUILD) Academy to teach you the basics of

search engine advertising The one thing I will say is that learning just the basics of HTML and One caveat is that this list is based on CSS can still be helpful. my personal experiences.

(Source http://techcrunch.com/2013/ 3. UNDERSTAND HOW TO 02/08/thoughts-from-a-former-business-GATHER, ANALYZE, AND

student-turned-googler/)SHARE DATA (TRACK)

Editor’s note : If you visit the source, you will find the unedited version of the article and To gather data I recommend learning many other sources of free learning.

A new report recently That’s fairly modest given released from TD bank shows the timeline, but the same people aged 15 to 24 have can’t be said of some especially struggled as a result European countries that have of global recession, with seen unemployment among youth unemployment rates young people rise to above remaining high globally. 50% in the aftermath of the

2008-09 financial crisis.The legacy of unemploy-ment for the young lasts up to two While Canada never came close to decades after the event and the hit to youth unemployment rates experienced Canada’s gross domestic product will be by some of the hardest-hit European about 1.3% — or about $23-billion — in countries, the increase was still more 18 years. significant than for older workers.

The Canadian economy was hit by a triple dose of bad news Friday as three major indicators — jobs, exports and housing starts — all tumbled in unison to cast doubt on an expected rebound in economic growth this winter and spring.

The data for December and January were all far worse than economists had anticipated, even though the expecta-tions had been modest at best.

The headliner was a surprisingly coinciding with a drop in the unemploy-

large 21,900 job loss figure for January ment rate to 7%.

— the first setback in six months — and But the jobs report was actually the a 58,000 reduction in the number of

relative bright spot for the day.Canadians looking for work, which Canada's trade sector produced the oddity of less employment

Advice From A Former BusinessStudent Now Googler

4PAGESNews & ViewsDigest

Jobless YouthTD Bank

to Cost Canadian Economy$23B over next two decades:

UNEMPLOYMENT RATE DIPS DESPITE JOB LOSSES

>>Cont. Pg.2

2

11 FEBRUARY 2013MONEYDREAMS & Insure your dreams

There are several benefits and credits to split up to 50% of your eligible pension designed for seniors. income with your spouse or common-law

partner.Here is a compilation.Registered retirement savings plan Age Amount – You can claim this

(RRSP) – Deductible RRSP contributions amount if you were 65 years of age or can reduce your tax bill. You have until older on December 31, 2012, and your net December 31 of the year you turn 71 to income is less than $78,684. The maxi-contribute to your RRSP.mum amount you can claim is $6,720.

Registered disability savings plan – Pension income amount – You may A registered disability savings plan be able to claim up to $2,000 if you (RDSP) is a savings plan to help families reported eligible pension, superannua-save for the financial security of a person tion, or annuity payments on your return.who is eligible for the disability tax credit.Pension income splitting – If you’re

Goods and services tax/harmonized receiving a pension, you may be eligible sales tax (GST/HST) credit – You may

be eligible for the GST/HST credit, a tax- travel within Canada on public transit in free quarterly payment that helps individ- 2012.uals and families with modest incomes Medical expenses – You may be able offset all or part of the GST or HST that to claim a non-refundable tax credit based they pay. on the cost of previously unclaimed

Working income tax benefit (WITB) medical expenses for any 12-month – Working individuals and families with period ending in 2012.low income may be able to claim this Canada child tax benefit (CCTB) – If refundable tax credit. The WITB includes you are the primary caregiver for a child a supplement for individuals who qualify under the age of 18, the CCTB may help for the disability amount. Eligible you with the costs of raising the child.individuals and families may also apply Child disability benefit – You may be for advance payments. eligible for this tax-free benefit if you

Disability amount – If you have a cared for a child under the age of 18 who is severe and prolonged impairment in eligible for the disability amount.physical or mental functions, and meet Universal child care benefit (UCCB) – certain conditions, you may be eligible to If you are the primary caregiver for a child claim the disability amount. under the age of 6, you may be eligible to

Public transit amount – You can receive the UCCB when you apply for the claim the cost of public transit passes, CCTB.such as a monthly or annual pass, for (Source: Canada Revenue Agency)

Online insurance quotes are increas-ingly popular, particularly among the younger generation. There are two types of companies that provide quotes online. One type does not sell insurance, is not a licensed broker or agent, and is not owned in whole or in part by an insurance company, agent or brokerage. They get

confident of what you need, and you have their income by referring clients to the

the necessary expertise yourself, probably insurance companies through their site.

online quotes may be appropriate for you; The other type is owned by an insurance

otherwise not.company, agent or brokerage and they get

Many insurance companies all over their income by selling insurance policies.the world, place excellent educative

Although all types of quotes are materials for the information of public on

available online, car insurance quotes are their websites. Recently I came across

more popular. You get car insurance o n e s u c h s i t e f r o m U . K .

quotes from competing insurers instantly http://www.aviva.co.uk/life/ Similar

and for free that save your time and sites are available in Canada too. But

money.decide first, how do you want to get

The rates charged by different car covered : through online or a broker?insurance companies to insure the same

An insurance broker is an independent car and driver, for the exact same policy,

insurance agent who works with many can vary by hundreds of dollars. Shop

insurance companies to find the very best around and save money.

available policies for his or her clients. A Similar to car insurance, life insurance typical insurance agent works for one

quotes are also available online. Since specific company, and chooses from there is no personal contact between the within that company's policies for clients.insurance expert and the client, possibly, Perrii Muthuraman is an insurance broker there could be some information gap, and an Independent Financial advisor. If you live which could in turn affect the proper in Ontario, Canada, you may prefer to contact

him for free advice at 416 473 6100.coverage, in my opinion. If you are

Unemployment rate dips... "To be sure, care should always be taken in interpreting a single month but From Pg.1the housing starts trend has long been in continued to worsen as exports fell by place."2.1% in real terms in December — and

The Canadian dollar dropped by exports to the U.S. dropped a full four almost half a cent to below parity at 99.74 points — while imports also fell.cents US on the gloomy news.The biggest shocker was the collapse

The negative results led to more calls in housing starts to 160,600 annualized for the government to switch to a more for January, a 19% tumble, as the combi-stimulative approach to the economy.nation of tapped out households and

tighter mortgage rules continued to "With growth slowing to a snail's pace undermine what had been a pillar of and commodity prices still low, it is strength for the economy. becoming increasingly clear that the

Conservative's status quo approach isn't “Canada struck out this morning with working for Canadians," said Peggy uniformly negative data," said Jimmy Nash, the NDP's finance critic.Jean of Desjardins Capital Markets.

(Source : investmentexecutive.com)

Here are some quotes to ponder

“It sometimes seems that being on a spiritual path involves constant watchful-ness. We learn that we must pay attention

why is my life such a mess' we ask 'where are always present in everything that we to our thoughts, to our words and to our abilities that we see the person who seems am I not being powerful'.” experience? Do we need to heal everyone actions so that we create the reality that we to be the most powerless as standing fully

or are we confident enough in our own “When we learn to accept others want. We must be willing to forgive in their power, or as much of it as they comple te ly and ourselves and others. We must be non- allow themselves to have? Can we let go without judgment judgment and non-critical. And finally, we of what does not serve us or do we engage view every interac-are to learn to integrate the spiritual and simply to prove to ourselves that we can? t i o n a s a s t u-material worlds. That seems like so much “d e n t / t e a c h e r work and yet it all requires only one thing, “Mindful living reminds us that we opportunity, we are that we be a state of mindfulness, where choose joy or sorrow, pleasure or pain, on the mindful path. we are the observer, watching what is abundance of what our heart desires or our And we can learn to happening in the present moment. darkest fears according to what we believe take on the role of Everything else unfolds from that point. “ about ourselves and what we deserve. investigator and “When we live mindfully we observe Mindful living allows us to confront our observer. What are our reality unfolding and ask different wounds instead of being confronted by we learning and questions. Instead of 'why is this happen- them. All we have to do is hold the energy w h a t a r e w e ing to me' we ask 'what message do I need of what we want and create the space for teaching? Can we to hear'. Instead of 'why is this person it. The rest unfolds according to our uncover the value treating me this way' we ask 'what am I intention and desires. “and blessings that doing to attract this to myself'. Instead of

Insurance Quotes: Online Vs Brokers

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“Living a ”Mindful Life by Jennifer Hoffman

2

11 FEBRUARY 2013MONEYDREAMS &

Canadian Housing Starts Numbers Here’s a news from the Globe and show a declining trend. It may mean that Mail:housing sector is not contributing to the “The housing starts, at an annualized economic growth of Canada as it was in pace of 160,600 in January, were down the past. Though this is not a good news, 19 per cent from December, and are now the good news is it is going to create off a steep 30 per cent from their peak some demand for housing. That means, just five months ago. Residential even if your house price is subjected to building permits, indicative of future correction in the short term, it will go up home-building intentions, fell 11 per in the long term. In my opinion long cent in December from November, and term could be anywhere between 3 and 5 are down 20 per cent in the past two years. The major correction is in the months.condo construction sector.

In the third quarter, housing starts averaged 222,000 annualized. In the fourth quarter, they averaged 202,000 – a 9-per-cent drop. The first month of the current quarter was another 20 per cent lower than that.”

Immigration to Canada continues and the population in Canada is grow-ing. Certainly demand for Housing is growing and new supply is dropping. Then what is the natural consequence? Resale home prices are bound to shoot up, once the current fear is over.

“The trend in total housing starts has been moderating since September 2012 and in existing home sales since May 2012,” said Mathieu Laberge, CMHC’s deputy chief economist.

Correction in the current market may be inevitable and it could be purely temporary lasting one or two years at most.

Dreams and Money takes care to present all the information as accurately and efficiently as possible. Any advice or recommendation appearing in the paper is also part of information only. They should not be construed as an expert opinion. Please note that no representation or warranty with respect to the accuracy or the completeness of the information is given. Information always keeps changing. Hence all the information, including advice and recommendations are to be treated as of general nature only. For your specific circumstances, you are always advised to consult an expert before acting on any information.

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Copyright © 2010 Dreams and Money, Canada. All Rights Reserved.

At Dreams & Money, we want to help people lead happy lives. We want to help people reach their dreams. A lot of dreams in the world require financial awareness and proper planning to bring to fruition. To get this financial knowledge can be challenging. We realize this, and want to make this process simpler.

We will bring you financial news happening around you that impacts you, along with timeless classics on topics like financial planning, life skills, health etc. to help you grow all around to reach your dreams.

If you are someone who shares this same passion, and think you can contribute to us in any way (writing articles, spreading the message etc.), please let us know. We’ll be happy to hear from you.

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Home Owners, Good NewsHere’s a

Mortgage arrears declined year over Ÿ The net worth of Canadian house-year and net worth of Canadian house- holds increased in 2011, with inflation-holds increased in 2011 adjusted per capita net worth about $7,000

higher than prior to the recession;This is revealed in CMHC’s latest publication. Ÿ With the number of households

headed by seniors expected to rise through The Canadian Housing Observer, a 2036,flexible housing can help meet their CMHC publication, examines important needs for comfort, security, independ-housing trends in Canada. It is relied on by ence, well-being and aging-in-place;many in the private, non-profit and

government sectors for its analysis and Ÿ Renovation spending in Canada insight into the dynamics of Canadian grew 3% in 2011 to $43.8 billion;housing. Ÿ The inventories of completed and

In its latest 10th year anniversary unoccupied housing units per 10,000 publication, CMHC highlighted the population are near the historical average, following aspects. suggesting overall inventories are in line

with population growth;Ÿ The rate of Canadian residential mortgages that were three months or more Ÿ Housing starts in Canada rose 2.1 % in arrears declined from 0.41% in 2011 to in 2011 and were above the long-term 0.36% in the first half of 2012; average at 194,000 units;

WILL SPRING BRING CHEERS TO THE REAL ESTATE MARKET ?

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Mortgage Arrears were Trending Down - CMHC

4

11 FEBRUARY 2013MONEYDREAMS & INVESTING

Weekly review of Global markets

Global Markets traded with high volatility during the week and ended positive on Friday, firmly higher, thanks to better than expected China trade data that provided new evidence of an upswing in the world's second-largest economy and also helped to soothe weak cues from offshore markets overnight.

US jobs and manufacturing data; news that Dell Inc. will be taken private in a $24.4 billion buyout deal and earnings helped to boost optimism. The European Central Bank kept However, comments from ECB head interest rates at a record low 0.75% and that the European economy is likely to ECB President said the ECB will remain weak over the early part of the monitor the economic impact of a year and uncertainty over Europe rattled strengthening euro, feeding expecta-investors. tions the currency's climb could open

Chinese data for January showed the door to an interest rate cut.monthly exports jumped 25% and US manufacturing reached a nine-imports climbed 28.8% from the year- month high in January, beating fore-ago period, giving the country a trade casts. Confidence among households surplus of $29.2 billion. China's also rose unexpected. US services sector consumer price index rose 2% in extended a three-year expansion in January from a year-earlier, easing from January, while business activity in the a 2.5% rate of increase in December, euro zone, Markit's euro zone compos-according to official data released on ite PMI, climbed to a 10-month high in Friday, 8 February 2013. The producer Januaryprice index, a measure of wholesale The Reserve Bank of Australia prices, dropped 1.6% during the month. reduced its economic growth and

Japan's current account deficit, the inflation forecasts as investment outside broadest measure of the country's trade the mining industry remains elusive, the with the rest of the world, reached 264.1 labor market softens and a high local billion yen in December 2012. currency contains prices.

Weekly review of Indian markets

Weekly outlook – week begins from 11 February 2013

shekarm@indiafinancebazaar.com www.indiafinancebazaar.com |www.ifmaonline.com

Ph : +91 9380034431/9962534431

14 February 2013, investors' focus will shift to expectations from Union Budget 2013-14 to be presented to the Parliament on 28 February 2013.

MCX-SX stock exchange launches equities trading. Volumes will be Market declined during the week watched given its history of competition ended 8 February 2013 on macroeco-with the National Stock Exchange.nomic worries after the CSO projected

India's GDP growth at 5% for 2012-13, Mainland Chinese bourses are the lowest in a decade, and significantly closed the whole of next week, and the lower than the growth rate of 6.2% in Hong Kong market from Monday, 11 2011-12. Concerns that PSU disinvest- February 2013 through Wednesday, 13 ment and reduction of promoter stake to February 2013, for Lunar New Year meet the SEBI mandated minimum holidays. public shareholding of 25% for private US stock market is no stranger to companies and 10% for state-run firms strong performances in January, only to will result in supply of equity in the see the lofty gains early in the year market over the next few months also transition into months of grinding action weighed on the sentiment. Sensex, that goes nowhere. That could leave the reached 5-1/2-week closing low. Nifty market churning as investors test reached its lowest closing level in more whether there's enough support to reach than 6 weeks. Sensex declined 1.5% to new highs, or if a pullback is needed. 19,484.77 and Nifty declined 1.59% to

With the economic calendar light 5,903.50 in the week ended Friday, 8

next week, investors could start to focus February 2013.

more on the political jockeying. President Barack Obama's State of the Union address on Tuesday may also

Market may follow the third quarter provide some insight into how the talks results to be announced by next batch of may shape up.key corporate and macroeconomic data Even though markets trade with would also be focused. volatility, fundamentally strong

The Central Statistics Office (CSO) companies would fetch considerable will unveil data on industrial production returns in the long run. And also, for December 2012 on Tuesday, 12 investors can earn in two ways from February 2013. The CSO will unveil those companies viz, profit on sale of data on inflation based on the combined share and also a reasonable amount as consumer price index for urban and dividend at regular intervals from such rural India for January 2013 on Tuesday, companies. We train investor how to 12 February 2013. The CSO will unveil identify such companies. We also data on inflation based on the wholesale provide professional services to manage price index (WPI) for January 2013 on your investment portfolio.Thursday, 14 February 2013.

Once the results season concludes on

Further details:

M.Shekar

Global Indian Market and Weekly Review - Week Ended 8 February 2013

TSX Remains StableTSX Trend From Feb.4, 2013 to Feb.9, 2013

The Toronto stock market closed higher Friday amid better than expected trade data from China.

The S&P/TSX composite index was at 12,801.23 while the TSX Venture Exchange was at 1,205. Negative news that surfaced this week did not affect the progress of the TSX.

Canada’s trade deficit with the world fell more than expected in December. Statistics Canada said the deficit came in at $901 million, down from $1.7 billion in November.

Merchandise imports fell 2.8% in December while merchandise exports declined 0.9%.

Overall the TSX finished the week little changed, up a slight to preserve a solid gain during January.

Source : Yahoo Finance

Weekly Statistics Canada NewsEMPLOYMENT IS UP IN DECEMBER

THE CONSUMER PRICE INDEX (CPI) IS UP IN DECEMBER.

NO CHANGE IN THE INDUSTRIAL PRODUCT PRICE INDEX

Household Spending 2011

Job loss in January

BUILDING PERMITS DOWN

Employment rose by 40,000 in December, the fourth increase in five months. December's increase was all in full-time work. The unemployment rate declined 0.1 percentage points to 7.1%, the lowest in four years.

The Consumer Price Index (CPI) rose 0.8% in the 12 months to December, matching the increase in November.

In December, the Industrial Product Price Index (IPPI) was unchanged compared with November. An increase in primary metal products (+0.9%) was offset mainly by a decline in motor vehicles and other transportation equipment (-0.5%). The Raw Materials Price Index (RMPI) fell 2.0%, largely

because of lower prices for crude oil.

Canadian households spent an average of $55,151 on goods and services in 2011, up 2.7% from 2010. This was slightly below the rate of inflation of 2.9% as measured by the Consumer Price Index (CPI).

Spending on shelter accounted for 27.6% of this total; transportation, 20.4% and food, 14.1%.

Following two months of gains, employment decreased slightly in January (-22,000). A decline in the number of people looking for work pushed the unemploy-ment rate down 0.1 percentage points to 7.0%.

The total value of building permits issued by Canadian municipalities declined 11.2% to $5.7 billion in December, following a 14.5% decline in November. This decrease resulted from lower construction intentions in both the residential and non-residential sectors.

December's decline in construction intentions came from every province except Quebec, with Alberta,

Manitoba and Ontario posting the largest decreases.

5

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