Le REER te permet de placer de l’argent sur lequel tu n’as pas payer d’impôt et de diminuer le montant sur lequel tu paies de l’impôt chaque année (il diminue en quelque sorte ton salaire brut). Le but étant, une fois la retraite atteinte, de retirer un montant annuel de tes REER plus faible que ce que tu gagnes comme revenu actuellement, et donc de payer moins d’impôt en bout de ligne. Ainsi, je vais donner des chiffres fictifs mais si tu gagnes 100,000$ actuellement et que tu devrais payer près de 45% d’impôt, mais que tu places anuellement 30000$ dans ton REER, tu vas payer moins d’impôt ajourd’hui, et si une fois la retaitre atteinte tu ne retires que 40,000$ par année de ton REER, tu ne vas payer de l’impôt que sur 40,000$. Donc, le REER te permet surtout de sauver au niveau de l’impôt maintenant et plus tard. Le REER est avantageux surtout s’il te permet de changer de classe de revenu imposable, ou si tu comptes retirer beaucoup moins d’argent annuellement à la retraite que ce que tu gagnes actuellement.
The UK Groceries Code Adjudicator found in a 2015–16 investigation into Tesco that some suppliers paid "large sums of money in exchange for category captaincy or participation in a price review". She found some evidence of benefits which suppliers derive from these arrangements, but also recorded a concern—to be investigated further—as to whether the purpose of the Groceries Code was being circumvented by these payments.[172]
I recently posted a Guest Blog Entry at the Options for Rookies blog. It's called Advice on Options from a Fellow Who Knows Nothing About Options. You won't see the blog entry if you follow the link. Mark Wolfinger, the owner of the blog, explains why in comments that now appear at the link under the headline "Guest Blog. Deleted." Juicy Excerpt: Permitting this specific guest blogger to post here has opened an unintentional can of worms. I do not want to be involved in his…
Hi, for two weeks now I’ve been getting a sense that something massive is going to happen in September 2014. I get a picture of the northern polar ice-cap, and, polar movement. NASA knows about the polar movement. I feel this coming event is natural not man caused. Also, I’m getting it will be even more intense than the sea-bed quake and tsunami of 2004. I feel the north pole would be better avoided in September 2014. Is anyone else getting anything similar?
Unfortunately, you can’t use iTunes to find the best finance podcasts – especially when it comes to investing. Their ranking isn’t great, and some of their top-rated investing podcasts haven’t published an episode in decades. In this case, you’re far better off searching on Google and starting your search from there. Some investing podcasts of note are Radical Personal Finance, BiggerPockets and Good Financial Cents. Podcasts are especially great for audio learners or individuals who learn best by hearing the experiences of others. Their portability also makes them very accessible – listen to them on your commute, while you cook or while you clean.
If you haven't been periodically rebalancing your portfolio, you may be invested more aggressively than you think. Someone who started out with a mix of 70% stocks and 30% bonds when this bull market began back in 2009 and simply re-invested all gains in whatever investment generated them, would have something close to a portfolio 90% stocks and 10% bonds today.
Predictions or opinions it seems the two fit hand in glove and it don’t take a mystic to see the world is heading for testing times, it is always heading for testing times, I will take the predictions I read here with a pinch of optimistic salt. We see the world as we are not as the world is and if you look only for the bad that is what you will find, myself I have yet to read in a newspaper the billion random acts of kindness that take place every day because it never makes the newspapers. So ask yourself is no news good news.
Tesco was founded in 1919 by Jack Cohen as a group of market stalls.[9] The Tesco name first appeared in 1924, after Cohen purchased a shipment of tea from T. E. Stockwell and combined those initials with the first two letters of his surname,[10] and the first Tesco shop opened in 1931 in Burnt Oak, Barnet.[11][12][13] His business expanded rapidly, and by 1939 he had over 100 Tesco shops across the country.[14]

The mathematical description of stock market movements has been a subject of intense interest. The conventional assumption has been that stock markets behave according to a random log-normal distribution.[9] Among others, mathematician Benoît Mandelbrot suggested as early as 1963 that the statistics prove this assumption incorrect.[10] Mandelbrot observed that large movements in prices (i.e. crashes) are much more common than would be predicted from a log-normal distribution. Mandelbrot and others suggested that the nature of market moves is generally much better explained using non-linear analysis and concepts of chaos theory.[11] This has been expressed in non-mathematical terms by George Soros in his discussions of what he calls reflexivity of markets and their non-linear movement.[12] George Soros said in late October 1987, 'Mr. Robert Prechter's reversal proved to be the crack that started the avalanche'.[13][14]


Hi, for two weeks now I’ve been getting a sense that something massive is going to happen in September 2014. I get a picture of the northern polar ice-cap, and, polar movement. NASA knows about the polar movement. I feel this coming event is natural not man caused. Also, I’m getting it will be even more intense than the sea-bed quake and tsunami of 2004. I feel the north pole would be better avoided in September 2014. Is anyone else getting anything similar?
The Investment Strategy TesterIf you are worried about losses you have suffered in recent years, you can use this tool to learn what you need to do to get back on the track to early financial freedom. The Strategy Tester lets you design a strategy you want to check out. Then it runs the hundreds of Scenario Surfer tests to see how the strategy compares with other possibilities you identify. The color-coded graphic gives you a good idea of what the odds are of good and bad outcomes for up to four investing strategies at a time.

Thank you for sharing these predictions; this is very interesting to read. Do you think flight MH370 will ever be found or it’ll stay a mystery? I also notice society has become very shallow, self-centred and obsessed to become famous – talented or not. Do you think society will keep “praising” talentless celebrities? I can’t wait the day these self-centred people go back to the shadow but it seems that day will never happen. I was shocked when people took selfies in front of the terror attack at the Lindt Café in Sidney last month – I thought the 21st century would be spiritual, less materialistic. This is so sad – I don’t foresee a Golden Age: only a golden age for technology but not for humanity 🙁


Some others have commented that his predictions have not all worked out. This is all discussed at length in the book; in such a field predictions are not infallible. About 40% of market crashes are caused by external events and so are not predictable. However he seems to have the S&P500 worked out. Last years he predicted a choppy rally in 1Q2003, then from 2Q2003 a major fall ending in 1h2004. So far so good.
This is a remarkable passage because it resembles closely what one would read in an opinion-based analysis of a market event. The confusing illusion, of course, is that hindsight narratives of this kind could offer anything towards avoiding, let alone preventing, future disasters. In reality, no amount of knowledge of a sandpile system can possibly produce a usable forecast of the size and location of a major avalanche. It may be the same with a stock market crash.

Jump up ^ Sylla, Richard (2015). "Financial Development, Corporations, and Inequality". (BHC-EBHA Meeting). As Richard Sylla (2015) notes, "In modern history, several nations had what some of us call financial revolutions. These can be thought of as creating in a short period of time all the key components of a modern financial system. The first was the Dutch Republic four centuries ago."
Current situation of the market is very much similar to the situations that erupted before these historical market bubbles. Huge government debt in U.S, Europe and Japan is piling up at unparalleled rates. Investors are seeking better investments other than government bonds to get better returns on their investments. If the government trims down the debt through inflation, the money will move towards equities from the debt raising the stock prices creating a new bubble in the market. The high level of debt, in the long run makes it complicated for the government to put in the economy when interest rate is increased.
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