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416.473.6100 PAGES 5 Dream 2 Issue 15

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over time?

bonds worth $23 billion in September, and will spend up to $40 billion every month until the U.S. jobs market shows sustained improvement. The openended nature of the plan means the Fed will likely spend about $500 billion over the next twelve months. In addition to embarking on a third round of quantitative easing, the Fed also extended its vow to keep interest rates at rock-bottom rates until mid2015. Policy makers have also decided to keep in place the Operation Twist program that swaps short-term bonds for longer-term assets. The open-ended program and conditional promise to do more means the Fed’s printing presses will be working overtime until the economy strengthens and the unemployment rate falls ’substantially.

Ontario's Deficit Shrinks to $ 13B Ontario’s deficit has shrunk to $13 billion after initial budget projections of $16.3 billion proved overly pessimistic. The projected deficit was dropped to $15.3 billion in March. Finance Minister Dwight Duncan said his government is two years ahead of its plan to balance the books. “But I’m not prepared to shorten the time to balance yet (currently pegged at 2017-18) given the uncertainty in the global economy,”

Duncan said Duncan said he’s also not willing to open up the public wallet for public sector compensation demands. Even if unions such as those representing teachers are ultimately successful in challenging his government’s restraint legislation in court, any additional costs would need to come out of existing budgets and would likely mean layoffs, he said.

rude shock when gasoline prices rose sharply this week.. Prices for regular in the greater Toronto area ranged from $1.25 to $1.37 a litre, and from about 1.26 to $1.34 in the Ottawa area. If you are looking for fuel and money savings tips, consider these from 1.Avoid High Speeds - As your speed increases, your aerodynamic drag increases in an exponential fashion. Driving 62 mph (100 km/h) vs 75 mph (120 km/h) will reduce fuel consumption by about 15%. 2. Do Not Accelerate or Brake Hard - By anticipating the traffic and applying slow steady acceleration and braking, fuel economy may increase by as much as 20%. 3.Keep Tires Properly Inflated Keep tire air pressure at the level recommended by your vehicle manufacturer. A single tire under inflated by 2 PSI, increases fuel consumption by 1%. 4.Use A/C Sparingly - When the air conditioner is on it puts extra load on the engine forcing more fuel to be used (by about 20%). The defrost position on most vehicles also uses the air conditioner. 5 . K e e p Wi n d o w s C l o s e d Windows open, especially at highway speeds, increase drag and result in decreased fuel economy of up to 10%. 6.Service Vehicle Regularly Proper maintenance avoids poor fuel economy related to dirty air filters, old spark plugs or low fluid levels.

Canada’s Expected Growth - OECD Report In its latest report, the Organization for Economic Co-operation and Development says most major economies face a continued loss of momentum in the coming quarters. According to the OECD, the Paris-based international organization, leading indicators in Canada point to continued

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Will Fed’s printing Rising Gas Prices, a Big Concern presses work Motorists in much of Canada got a

The Fed has been under pressure to act and finally it has acted. The Fed is taking steps to reverse the course of the U.S. economy that is still growing too slowly with high unemployment. The Federal Reserve's new steps to stimulate the sluggish U.S. economy include plans to buy $40 billion of agency mortgage-backed securities each month, starting Friday. The move makes the U.S. treasuries even less lucrative, with the Fed hoping cash-rich investors get off the sidelines to purchase consumer goods, riskier assets and homes. The central bank is expected to buy

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growth at or below two per cent in the next few quarters. The report also points out that Canada suffered the worst trade deficit in recorded history in July. Of the major economies, the OECD says growth is expected to pick up in only two countries — the United Kingdom and Brazil.

Protect your most valuable asset yourself and your loved ones Buy term insurance buy peace. Price: cup of coffee a day or even less. Save money. Compare our rates with Banks' Mortgage insurance rates.

Harper’s Canada Here are some latest views of the Canadian Prime Minister Stephen Harper on the Canadian Economy. • I want the budget to be balanced and that is the goal. • But our first objective is not balancing the budget, (but) to make sure the Canadian economy keeps growing. • In my judgment a gradual reduction

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age 30 Male Female $ 11 $9 $ 21 $ 15

Free Market Evaluation HSA Addresses The Ongoing Problem Of 2 2 The Self Employed, Small And Large Businesses


Will Home Buyers Benefit from Fed’s New Program (QE3)? Toronto and Global Market Review



Story Time

7.Use Cruise Control - Maintaining a constant speed over long distances often saves gas. 8.Avoid Heavy Loads - Remove the sand bags from your trunk in the spring and pack lightly for long trips. 9.Avoid Long Idles - If you anticipate being stopped for more than 1 minute, shut off the car. Restarting the car uses less fuel than letting it idle for this time. 10.Purchase a Fuel Efficient Vehicle - When buying a new vehicle examine the vehicle's rated fuel efficiency. Usually choosing a small vehicle with a manual transmission will provide you with great fuel economy. in the deficit is the way to go if that can be managed. I think it can be managed. • (Conservative Party will keep) taxes low and deficits coming down. • Canada needs to diversify its economic relations to countries such as China.

age 40 Male Female $ 14 $ 12 $ 27 $ 21

age 50 Male Female $ 17 $ 13 $ 60 $ 40

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HSA ADDRESSES THE ONGOING PROBLEM OF THE SELF EMPLOYED, SMALL AND LARGE BUSINESSES Why Health Spending Accounts Interest in Health Spending Accounts is growing for some fundamental and basic reasons. Today's reality is that governments in Canada and elsewhere are working to balance their budgets by reducing expenses. Another reality is that health care expenditures take up a significant portion of government budgets and must be reduced if governments are to be successful in their efforts. While this funding for services is declining, demand for health care is not likely to subside. Who will pay for the services that are needed? Employers do not want to be responsible for these higher costs and insurance companies are unlikely to absorb the additional costs. Consumers will have to find a way pay the costs for the services they require to remain healthy. The bottom line is that individuals will have to become more directly responsible for more of their personal health care expenditures or risk suffering from reduced care. Health Spending Accounts provide a solution to help pay these costs. We encourage you to read on and develop a better understanding of this solution which has existed for over 25 years.

WHAT IS A HEALTH SPENDING ACCOUNT (HSA) Health Spending Accounts are the government's way of helping Canadians pay for their medical expenditures. A Health Spending Account is a special bank account administered by a third party. This account can replace or complement other employee benefits. Employers deposit funds into the account on behalf of their employees. Employees have access to these funds for reimbursement of health care expenditures.

These accounts are available to businesses of all sizes including selfemployed individuals where the employer and employee may be the same individual. Health Spending Accounts are suitable for businesses of ALL sizes. These accounts must be used solely for reimbursement of medical expenses. Individual business owners channelling their medical expenses through a HSA can save thousands of dollars per year.

Dependants may include parents residing with children or in facilities such as a retirement home or nursing facility. The cost of these services can be reimbursed through a Health Spending Account.

How HSAs Save Money Canada Revenue Agency provides a tax benefit to employers and employees who utilize HSAs for reimbursement of medical expenses. This saving can be estimated with the HSA Calculator which is accessible from the PreAxia Portal (HSA Web Site) of each PreAxia Agent and Actual savings depend on tax rate (income) and medical expenses in a

Who Is COVERED by a HSA When a HSA is set up for an employee or self-employed individual, it can cover allowable medical expenses for the individual and, at the individual's

benefit to employees as a business expense. Employees receive a nontaxable benefit. When the employer and employee are the same individual, as is often the case in a small business, both benefits can accrue to the same individual. This is particularly valuable since self-employed individuals do not typically receive a tax benefit for medical expenses.

HSAs Reduce Taxes discretion, their dependants. This includes a spouse or any member of a household related to the employee by blood relationship, marriage or adoption and who is financially dependent upon them within a given year. Dependants must also be a Canadian citizen residing within the country for a minimum of six months out of the year. There are instances when a more comprehensive definition of dependant is required. For Health Spending Accounts, the complete definition of Dependant is provided in the Income Tax Act. This definition can be found at it513r/it513r-e.txt.

given year. An owner of a business with no employees could save many thousands of dollars per year. Larger employers currently providing medical benefits to employees can save more with additional savings that include reduced internal administration costs (with PreAxia) and lower contributions. If a HSA replaces an insurance plan, annual premium increases no longer apply, which aid to make this expense more predictable. Employers (business owners) benefit from receiving a tax deduction on their business income for the tax period in which contributions are made. They write off the cost of providing this

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Comparing RRSPs with HSAs can be helpful to understanding the growing interest in HSAs. Both are ways to reduce taxes. HSAs, unlike RRSPs, are de-signed to provide greater and more immediate benefits. HSAs result in immediate tax savings without the future tax burden associated with a RRSP. In addition, HSAs do not require that funds be set aside for an indefinite period of time. The purpose of a HSA is to help pay for near term medical expenses. RRSPs were introduced in 1957 as a way to encourage Canadians to save for retirement. It wasn't until >>Cont. Pg.5

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Sales for HELOCs Some Credit Unions in Ontario maynew continue to offer3)? 80%TorontoMLS loan-to-value Will Home Buyers Benefit from Fed’s program(QE Monthly with Three Previous Years for Comparison Here’s a view explaining its limitations Even if rates move lower, the impact gages. on home buyers will be muted. “The constraint on home buying (in Home buyers would save a lot from the USA) is not interest rates, it's the lower mortgage rates, but the bigger inability of many people to get a problem for them is qualifying for a mortgage," said David Crowe, chief loan. The main beneficiaries of the Fed's economist for the National Association new program will likely be borrowers of Home Builders. who refinance their high-rate mort-


4,000 2,000 0

TorontoMLS New Listings Monthly with Three Previous Years for Comparison 25,000





once again. Home buyers would save a lot from lower mortgage rates, but the bigger problem here too is how to qualify them for a loan with tightest mortgage rules?




TorontoMLS Sales-to-New Listings Ratio Monthly with Three Previous Years for Comparison 1.10 1.00 0.90 0.80 0.70 0.60 0.50 0.40 0.30 0.20 0.10 0.00



How will it affect Canadian Home Buyers? Most probably, Bank of Canada will be forced to keep the rates lower for a longer time in Canada too. If the housing market is not behaving on the expected lines, Jim Flaherty may be forced to tighten the mortgage rules








15,000 10,000 5,000 0

TorontoMLS Average Resale Home Price Monthly with Three Previous Years for Comparison Editor-in-Chief & Publisher Perrii Muthuraman Direct : 416 473 6100

Editor & Technical Advisor Aishwar Muthuraman 105-2100 Ellesmere Road, Scarborough, ON, M1H 3B7 Ph: 647 352 4945 | Fax: 647 352 6110 Email: DISCLAIMER 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. unsolicited articles & community news are welcome selected ones will be published email : Copyright © 2010 Dreams and Money, Canada. All Rights Reserved.







My buyers went through debt consolidation. Now they have only one bill they won’t pay. My buyer told me that he lived in the same house for 10 years. When I checked, I found out he’d still be there today if the Governor hadn’t pardoned him.

$450,000 $400,000 $350,000 $300,000

RENT AGENT: “How much are they asking for your rent now?” BUYER: “Oh, about twice a day.”

Source: Toronto Real Estate Board

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THE MISSION 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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Global and Indian Market Weekly Review - Week Ended 14 September 2012 Asian stocks edged higher on Wednesday after Chinese Premier Wen Jiabao hinted at new stimulus measures to meet growth targets amid difficult external conditions. US markets surged on Thursday after the US Federal Reserve announced to buy $40 billion worth of mortgage back securities per month to keep borrowing rates low and would keep its benchmark interest rates "exceptionally low" until the middle of 2015. European stock markets rallied Friday, after stimulus moves from the U.S. Federal Reserve the prior day. Asian stocks rose on Friday after the U.S. Federal Reserve announced an aggressive new stimulus plan to revive growth in the world's largest economy. Germany's Federal Constitutional Court rejected calls to block the ratification of Europe's 500 billion euro ($643.7 billion) permanent rescue fund, the European Stability Mechanism, and the fiscal pact. As expected, the judges attached various conditions to the ESM, saying a total cap on Germany's liabilities under the ESM must be capped for the measure to conform to the country's Basic Law, or constitution. US Federal Reserve on Thursday announced to buy $40 billion worth of mortgage back securities per month to keep borrowing rates low and would keep its benchmark interest rates "exceptionally low" until the middle of 2015. Concluding its two-day meeting on Thursday, the Federal Open Market Committee (FOMC) said that it will closely monitor incoming information on economic and financial developments in coming months. In particular, the FOMC also decided to keep the target range for the federal funds rate at 0 to 0.25% and currently anticipates that exceptionally low levels for the federal funds rate are likely to be warranted at least through mid-2015 US economy added 96,000 workers

after a revised 141,000 increase in July that was smaller than initially estimated. The US government's debt rating could be heading for the "fiscal cliff" along with the federal budget. Moody's Investors Service on Tuesday said it would likely cut its "Aaa" rating on US government debt, probably by one notch, if budget negotiations fail.


euro zone banks, a cornerstone of closer fiscal integration designed to end years of financial turmoil in the region. Japanese machinery orders climbed a seasonally adjusted 4.6% month-overmonth in July, rising for the second straight month. The headline figure was sharply higher than forecasts following the 5.6% jump in June and the 14.8% plunge in May. China's exports rose 2.7% in August 2012 from a year earlier, indicating relatively weak overseas demand. Imports surprised by dropping 2.6% from August 2011 Indian Market Weekly Review – Week Ended 14 September 2012 Indian Market rallied continuously during the week as diesel price hike by the Indian government to help improve country's deteriorating fiscal position, US Federal Reserve's QE3 program and Germany's Federal Constitutional Court rejecting calls to block the euro rescue fund increased investors' appetite for riskier assets. Recent strong buying of Indian stocks by foreign finds also supported domestic bourses. The market gained in all five trading sessions in the week just gone by. Sensex, scaled nearly 14 month closing high above 18,000. The 50-unit S&P CNX Nifty hit nearly 7 month closing high. Sensex up by 4.02% to 18464.27 and Nifty up by 4.08% to 5577.65 for

South Korea announced a fivebillion-dollar economic stimulus package to support Asia's fourth-largest economy, which has been badly hit by the global downturn. The new plan follows a stimulus package of 8.5 trillion won announced in June to boost the economy for the second half of 2012. The combined stimulus of 13.1 trillion won for this year equates to 1% of the country's gross domestic product. The central bank of South Korea on Thursday surprisingly left interest rates unchanged at 3% as against expectations of a quarter percentage point cut. Standard & Poor's on Friday raised its long-term credit rating on South Korea to A+/AA- from A/A+ with a stable outlook Europe moved a step closer to a banking union with a plan for the European Central Bank to supervise all

TSX Trend From Aug.31, 2012 to Sep 8, 2012

Source : Yahoo Finance

ŸIt rose as high as 12,529.77; last

time it touched 12,603.71 was on March 27. ŸTSX gained more than 1 percent on Friday alone. ŸSeven of the 10 main sectors were higher ŸRiskier assets are now in demand. ŸGains in energy stocks and materi-

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QE3 & FOMC MINUTES FOMC minutes 22 – 08 - 2012 US Federal Reserve policy makers said additional stimulus would probably be needed soon unless the economy shows signs of a durable pickup, according to minutes of their most recent meeting. Many members judged that additional monetary accommodation would likely be warranted fairly soon unless the key economic indicators pointed to a substantial and sustainable strengthening in the pace of the economic recovery according to the record of the Federal Open Market Committee's recent meeting. The minutes were released in Washington on 22nd August 2012. This stimulus news thrilled the investors to buy riskier assets and all of them sky rocketed. More stimulus, this means all

TSX at Five Month High - Thanks to QE 3

ŸTSX closed at 12,499.47 on Friday

the week ended 14 September 2012. The index of industrial production (IIP) grew at 0.1% in July 2012 as against 3.7% in the same month last year. India's wholesale price index (WPI) rose to a higher-than-expected 7.55% in August 2012 from a year earlier, mainly driven by higher food prices due to deficient monsoon. The Reserve Bank of India eased the external commercial borrowing (ECB) rules and hiked the maximum limit to $3 billion for one company Indentifying fundamentally strong stocks and Understanding the volatility of the market become a tough job, however proper learning and practice will make you a successful investor. We provide real time training to identify growth momentum stocks and manage your investment portfolio successfully even in volatile market situation.

als are greater than 2% In short, Commodities are responding as they typically do when you see further inflation in the economy. Previous stimulus programs encouraged investors to push money into riskier asset classes, including commodities and equities, lifting prices. TSX and Canadian dollar are bound to advance in the present circumstances…..Let us wait and see. 4

News & Events Compilation by Manivannan

riskier assets to move up further.Riskier assets like EUR, AUD, GBP, Gold, silver all rising. Further rise expected in the coming week too. Gold has touched 1654 $ and silver has touched 30 $ after FOMC minutes were released. Fed Reserve Chairman at Jackson hole ( 31 – 08 – 2012 ) In a highly anticipated speech Friday, Federal Reserve Chairman called "the stagnation of the labor market in particular a grave concern," reiterating that the Fed is prepared to do more to stimulate stronger growth. But did not utter a single word how he would go about more stimulus. The FED may have disappointed Investors hope in giving no clear signal that the Fed will take action at its mid-September meeting. Yet, after having time to digest all of Bernanke's remarks, investors appear to have taken comfort in Bernanke's willingness to take action as needed. Some bullish moves could be seen i m m e d i a t e l y >>Cont. Pg.5

TAKE CARE OF YOUR BODY HSA ADDRESSES THE ONGOING... From Pg.2 1991, more than thirty years later, when their use became more widespread as a result of legislative changes. Similarly, HSAs were created in 1986 when Finance Minister Paul Martin introduced a new way for businesses to offer health benefits to their employees. Only now, 25 years later, has technology simplified HSA education and administration so that HSAs are now a practical consideration for a wider group of businesses and individuals. It is this technology that PreAxia provides to employers, employees and PreAxia Agents. Whereas RRSPs are a tax deferral strategy (that is, taxes are paid on funds at a much later date) HSAs are a tax free benefit or tax reduction strategy. When investing in a RRSP, one must have excess funds to set aside until retirement at which time the funds are accessible and taxable. A HSA provides a current benefit with no future taxation. It requires a little advance planning to channel funds normally spent on medical expenses through a Health Spending Account. This reduces taxable income and taxes paid. While a RRSP remains important for retirement planning purposes, a Health Spending Account warrants consideration by any self-employed individual in Canada. Furthermore, employers QE3& FOMC Minutes From Pg.4 after his speech. Many economists believed that the Fed likely will decide to buy more Treasury or mortgage-backed securities, possibly at its Sept. 12-13 meeting, to lower long-term interest rates and spark more economic activity. Alternatively, it could promise to keep short-term interest rates near zero longer. The speech is normal but many analysts felt that he is building up a platform to announce next round of QE. One can start to buy riskier assets on dips as QE is most likely on cards. Gold and QE are directly related to each other. QE by September? or October before elections ? FOMC minutes ( 13-09-2012 ) FED announces QE3. The FED said it will expand its holdings of long-term securities with open-ended purchases of $40 billion of mortgage debt ( called MBS ) a month in a third round of quantitative easing as it seeks to boost growth and reduce unemployment.. The FED Chairman said “We're looking for ongoing, sustained improvement in the labor market,” Immediately on announcement the Stocks jumped, and gold climbed as the Fed said it will continue buying assets, undertake additional purchases and employ other policy tools as appropriate “if the outlook for the labor market does




should consider HSAs as part of their employee benefits package. HSAs provide employees with a non-taxable benefit, discretion on use of funds and a way to eliminate payment for many medical expenses not included in an employee benefits package. The employer also benefits through a greater ability to control corporate expenditures for employee health benefits.

Time to get connected to your inner self. Stories attract people’s attention. People love to listen to stories. A great story-teller can always attract audience. Story telling isn’t just for children. It’s vital to every profession. Storytelling is a universal language and a core-skill for all presenters. Investors may be more likely to fund a company with an inspiring story. Customers may be more compelled to buy from an entrepreneur. Straight facts are forgettable and boring. Stories compel the audience to listen actively and they can subtly pesuade them. Often no one takes a position to argue against. Through stories you can build not only a connection with yourself inwardly but also with others. Through this connection, you’ll build confidence, rapport and trust. These are the qualities that make you to grow and influence others. Honesty is part of story telling. Simply, for us at Dreams & Money, it is a holistic learning solution that could close the literary achievement gap between schools, communities and families.

HSAs can replace Private Health Care Insurance Insurance is typically a contingency to protect against unexpected loss or harm. In the case of health care, insurance has evolved into a means of paying for normal and expected medical expenses. This does not mean, however, that it is the best or least cost way to pay these expenditures. In Canada we have provincial health coverage, paid through our taxes, to protect us against most major and unexpected health care costs. That leaves minor expenditures – dental, eyeglasses, braces, prescriptions, etc. – to be paid for personally or through a private health insurance plan. Often, these plans still require that a portion of the covered medical expenses be paid by the user of the plan. Health Spending Accounts offer advantages over these private health insurance plans.

Effort Is Important, But Knowing Where To... Makes All The Difference! A giant ship engine failed. The ship’s owners tried one expert after another, but none of them could figure but how to fix the engine. Then they brought in an old man who had been fixing ships since he was a young. He carried a large bag of tools with him, and when he arrived, he immediately went to work. He inspected the engine very carefully, top to bottom. Two of the ship’s owners were there, watching this man, hoping he would know what to do. After looking things over, the old man reached into his bag and pulled out a small hammer. He

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gently tapped something. Instantly, the engine lurched into life. He carefully put his hammer away. The engine was fixed! A week later, the owners received a bill from the old man for ten thousand dollars. “What?!” the owners exclaimed. “He hardly did anything!” So they wrote the old man a note saying, “Please send us an itemized bill.” The man sent a bill that read: Tapping with a hammer…….. $ 2.00 Knowing where to tap...... $ 9,998.00

Little boy’s Consideration One day, a ten-year-old boy went to an ice cream shop, sat at a table and asked the waitress, “How much is an ice-cream cone?” She said, “seventy-five cents.” The boy started counting the coins he had in his hand. Then he asked how much a small cup of ice-cream was. The waitress impatiently replied, “sixty five cents.” The boy said, “I will have the small ice-cream

not improve substantially.” Bernanke is enlarging his supply of unconventional tools to attack unemployment stuck above 8 percent since February 2009. All riskier assets including gold, silver, EUR, AUD, GBP all sky rocketed and moving in one direction since announcement. Gold closed at 1775 $ which was not seen since last four months. Further rise is expected in the coming weeks too and USD weakness expected in the medium term. US dollar index has been steadily falling to 78 from 84 since last one week and closed at 78.83 In May 2011, the USD index was below 75 and below 73 in year 2008.One should not be surprised if the USD index falls to previous lows. How the gold prices will behave ? Lower USD index will boost Gold price. The earlier high for Gold has been 1922 $ in September 2011. The predictions for year 2012 have been revised to 2000 $ The factors of QE3 and global recession are positive for gold and the precious metal can surge to new highs on the back of these factors over the next 3-6 months. Looking beyond six months, it is expected that gold prices to trend higher over the next 3-5 years. In trying to understand the long-term trend for gold, a look into U.S. budget deficits and the expected economic scenario is critical.

cup.” He had his ice-cream, paid the bill and left. When the waitress came to pick up the empty plate, she was touched. Underneath were ten onecent coins as tip. The little boy had consideration for the waitress before he ordered his ice-cream. He showed sensitivity and caring. He thought of others before himself.

SAND AND STONE Two friends were walking through the desert. During some point of the journey they had an argument, and one friend slapped the other one in the face. The one who got slapped was hurt, but without saying anything, wrote in the sand: “TODAY MY BEST FRIEND SLAPPED ME IN THE FACE.” They kept on walking until they found an oasis, where they decided to take a bath. The one, who had been slapped, got stuck in the mire and started drowning, but the friend saved him. After the friend recovered from the near


drowning, he wrote on a stone: “TODAY MY BEST FRIEND SAVED MY LIFE.” The friend who had slapped and saved his best friend asked him, “After I hurt you, you wrote in the sand and now, you write on a stone, why?” The other friend replied: “When someone hurts us, we should write it down in sand where winds of forgiveness can erase it away. But, when someone does something good for us, we must engrave it in stone where no wind can ever erase it.”

Dreams & Money: 3rd Issue of September 2012  

Dreams & Money: 3rd Issue of September 2012

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