02sled

Nobody should invest in the really bad ones and should let their dumb ideas fail. But you can invest in mutual funds which represent more than one singular investment and have varying risk levels. When I was younger my risk tolerance was higher and made some VERY good returns. I now invest in medium / low risk which still have a good rate of return and it is in excess of 9% annually at the moment. As for the supply of financial advisors.... the laws of supply and demand. If there is the demand there will be the supply. As for good and bad... yes there will be some that are bad and some not so good but they won't survive long. I would have in a heart beat opted out of government pension plans if I could have. After contributing for 45 years, 40 at the maximum I can collect a whopping $700 a month at age 60 and at age 75 I will have collected a total $120K. Nowhere near enough to live on even if I eat KD every day. The maximum contribution for the employee is $2500 a year and $2500 from the employer ($5000) which I would have much rather contributed to my own investment plan. 40 years of contributing the maximum is $200K contributed by me and my employer without any ROI included and a lot of it was put in during a period with 19% mortgage rates. I would have to live to 84 and collect for 24 years to break even without any ROI calculation. The break even point if I include ROI would likely be age 90+

That is why you use a financial advisor who studies the market and tells you not to invest in that company which believes leisure suits are poised to make a come back. I would have loved to been able to invest in IBM and Microsoft when they were in their infancy.

A Canadian doesn't have the need to walk the streets with a handgun to feel safe.

You're right but I will never get hit with any of those surprise medical bills that can and have driven people in the U.S. to bankruptcy. One of my team in Phoenix before I retired made a very healthy income did have company medical coverage but drove a piece of junk car and lived in a dump because most of his income went to medical expenses that were outside of and beyond what the insurance plan covered.

who... never heard of him

Sure glad I live in Ontario. At 65 the province pays for my prescriptions on top of the doctor and hospital bills that we never see at any age.

Your wife and mine have the same approach to things like that

Like you many are lucky and many others aren't so lucky. Father-in-law has very good well water. His neighbour has lousy water with a bad odour and not potable. He has a holding tank for trucked in drinking / cooking water. Water sewage and garbage collection cost me maybe $900 a year. In the grand scheme that is nothing where we are building it's just part of the property taxes. No meters

So this kind of debunks the global warming?

I am assuming you are using well water bumpkin. When's the last time you had your well water tested? Have you had tested ever even. No way I could test well water with the frequency that it is tested by the township. Also I have been told that township water comes from Georgian Bay and not groundwater. I'll take the filtered, tested daily if not multiple times daily over the well water you drink that could become contaminated after a severe rain storm. Your well water you are drinking could be full of all kinds of things and you've just built up an immunity over time. Nobody is afraid here.... just we have a preference for not having to worry about things like the well running dry which a number of people have experienced in our current drought conditions, the pump giving up, the foot valve needing replacing, the line freezing in the -40C temperatures and so many other things that can go wrong and likely at the most inopportune times. Like having the pump lose it's prime when you have a bunch of guests and now you can't flush the damn toilet.

Look up Walkerton.... people not doing their jobs right is the root cause and them not catching the contaminants of water that had been fine for a long time. At the time of the event in May 2000, Stan Koebel was utilities manager for Walkerton, and his brother Frank Koebel was water foreman. Neither had any formal training in this position, retaining their jobs through three decades of on-the-job experience. The water supply, drawn from groundwater, became contaminated with the highly dangerous O157:H7 strain of E. coli bacteria. This contamination was due to farm runoff into an adjacent water well that had been known for years to be vulnerable to groundwater contamination. So the Walkerton drinking water was not treated sewage as you seem to have suggested. It was groundwater aka well water and the contamination was from farm runoff into an adjacent well. How good is that well water you are drinking looking now. Do you test your well water daily for contaminants. Most people I know with a well have a filtration system of some sort. Some pretty sophisticated and others pretty basic and some not at all. Not sure many or any of them have their water tested regularly. There were a lot of things learned from Walkerton and there are a whole lot of checks and balances put into place to avoid it happening again. 16 years later and nothing like it has ever happened since....

Keep telling yourself that... Septic tank regulations keep getting tougher and tougher all the time. You have to watch what goes down the drain to some extent, have your septic pumped on occasion and a whole lot of other potential concerns. Last thing I want to be dealing with when I'm 80 is digging up and replacing the septic system. Then if you get good water flow from your well and the quality of the water from your well is good you're in luck. I know people who have wells that have spent small fortunes on water treatment and still have problems with odours, tannins and more. Friends son is building a house in the area and was $20,000 into drilling and just managed to get enough gallons per minute for the bank to give him a mortgage. Bottom line not all well water is good water. By the way the municipal water that goes to the taps here is not treated sewage. Don't know about where you are. I like worry free.

Part of why we are going for Port Severn. We have township water and sewer. She doesn't want to rely on well water or septic. We're 15 minutes to Midland, 10 to Coldwater, (I know it's small but there are some shops she likes) and about 25 minutes to either Barrie or Orillia. She keeps doing a flip flop between moving and not moving out of Toronto. Every time I leave to head to Toronto it reminds me why I want to get out. The traffic grinds to a halt way out. Gridlock in Port Severn is 3 cars waiting for a boat to clear the swing bridge at the lock.

Mustang hands down.... especially the Shelby GT500

Port Severn Ont. Boat on one side of the house and sled trail on the other. It's at the Georgian Bay end of the Trent Severn Waterway. A quick trip through the lock and then you're into the best cruising waters in the world. Great fishing on my doorstep and great sled trails running in lots of directions. Add to that Ontario ha 1/5 of the world fresh water. A short drive to the worlds longest fresh water beach. A 15 minute drive to all the stores and services I could need. Hope to have our house break ground in the spring

Politicians don't lie all the time.... just when their lips are moving

Good bait for someone to come back on.

Here that kind of money will get you an average cottage on one of the 3 key Muskoka lakes. On our lake lots and I do mean lots top the $1M mark and some are over the $2M price tag and we aren't on the expensive lakes like Rosseau, Joseph or Muskoka

The Blizzard trailers are great quality. I have the snow squall for our sleds with lots of room for 2. They have the Nor Easter with a blunt nose for ATV's with a less tapered profile than snowmobiles.

Almost every woman would have dumped cheating Bill except for those who want to continue on the cash and fame ride and sell themselves to keep on the ride.

Steve6 claims not to be Fail but I'm not buying it. Too many traits the same and didn't Bozo reveal Fails name as being Steve. If it sounds like Fail, writes like Fail and has the identical beliefs as Fail, it's Fail

I guess you define stupidity and ignorance being anyone with a view point or opinion different than yours or his

Explain then how Canada came through a global economic crash better than the rest of the world if he couldn't manage the finances of a lemonade stand. What happened to you have a job to get back to? You weren't back to it for long

I was just down at King and Bay. Damn I hate the congestion. There are two types of bikers there. Pedal and motor and both of them should be banned from the road if they can't follow the rules of the road. I watched countless numbers of both weaving through traffic. Riding down the line dividing the lanes, coming up to a space too narrow, sharp swerve to the left in front of the left lane car, zip around the car in front in the oncoming lane traffic riding along the centre line then ducking back in. Red lights don't apply to them either.

I see you didn't want to use your old name Fail. No mistaking you. You seem to forget that the economy collapsed essentially on a global level in 2008 and Canada came through it much better than most every other country around the world. I know... you like to think of Canada as being in isolation from the global economy even though it isn't. Just look at the impact that the British referendum has so far and will have on global economics.