Friday, April 17, 2009


I realize no one reads my blog.
why would they? I'm an invisible person, as far as society is concerned.
but what i have is not quantifiable at any level. This has been my personal context my entire life, why should it be different on the net?
What has changed is my understanding of financial reality. My ability to comprehend savings and investment has been altered and accelerated through real world experience and relying on the sound advice of those with their own experience.
I am willing to share my knowledge of what I think you should do with your investments based on what i do with mine.
I believe no logical person is willing to freely give up their capital when it is not necessary.
I believe it is not necessary to sacrifice the full repayment of your capital to attain a real cash yield of 5% after tax.
I believe it is greedy, and involves taking on excessive risk for the non-millionaire, to expect annual yields to vary dramatically from a 5% average.
I believe it is necessary to pay attention to historical context.
For this last reason, I have been willing to purchase common equity in Canadian bank stocks. I have argued for the soundness of this investment, this week specifically, in another blog that more people read. I believe this 'money gardener' has been too concerned with 'playing a game' with his non-registered portfolio and i offer my comments and opinion on his blog.

maybe there is a reason to everything in the universe and someone reads my blog and has the onions to post a comment. I'm also open to the idea that all of my decisions and opinions could be my ultimate downfall in only a few years. I'm mostly looking to exchange ideas, that's what freedom and the freedom of information is about. These forums are worth their electronic weight in gold. And i have no idea what that means, but it's hella true.


  1. I just read your entire blog from start to finish. Interesting stuff. Not sure I agree with you 100% about everything, but that's what I like about it - a different point of view. Keep it up!

  2. thanks Blitzkrieg.
    I admit that i'm largely a rookie when it comes to understanding the full breadth of financial products. As such, some of my views could probably stand to be further informed.

    However, i have experience in dealing with human psychology, group behaviour, marketing and sales. The amount of unscientific research and disinformation in the investment community is staggering. I feel that the fixed-income market has been used by retail investors, but not truly understood and not used efficiently. Over an entire generation of workers were sold an argument that the stock market was safe and earned more money than a properly laddered bond portfolio.
    I'm not trying to know how to 'beat the street' or beat anyone for that matter. I've just developed a level of knowledge which allows me to say a 5% return above inflation with no capital loss is possible, provided you are willing to pay a few thousand more a year in income tax.
    In that case, buy a few stable common shares that generate a few thousand dollars more in dividends to offset your taxes.