4 MARCH 2013WEEKLY

How Women Can Protect Themselves

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Condo Sales in Buyer’s Market Territory…

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The world has been a scary place in recent years for those looking to save and invest their money. With the experts forecasting another year of weak economic growth, does the average investor stand a chance? The happy answer is, "yes."

We've become a two-part economy, with oil-drillers and miners struggling, while the banks and other dividend-paying companies prosper. And that is unlikely to change, most agree.

Few market-watchers expect oil

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stocks to do well this year, but better growth in China should help raise prices for mining companies. And the picture remains good for banks and solid dividend stocks.

"Anybody owning high-dividend stocks — REITs, banks, the BCEs — for income and stability, should do just fine," says Delisle. However, investors should not expect double-digit returns from them in 2013, he adds.

Economic growth is estimated at about 2.5 per cent, modest compared to past years. But there are promising trends.

Most prominent is the recovery of the housing market, says Craig Basinger, chief investment officer at

Macquarie Private Wealth. That could have wide repercussions across the economy.

As well, employment figures are slowly improving, and the U.S. is moving toward a goal of energy self-sufficiency, which could spur growth for years to come.

The last bull market was led by energy and resources, Basinger says. The new leaders could be financials, industrials and health care, and the U.S. is well equipped with all three. He recommends shifting some money from Canadian markets to the U.S., as other experts do.

Darren Sissons, managing director at Portfolio Management Corp., points to solid U.S. companies with a record of

United States

Investing 2013 in Canada: Where to Put your Money

www.dreamsandmoney.com

Dream Issue3 9

Jamie Golombek is known for his must be equal for meaningful results.informative articles and useful tips. He is the Managing Director, Tax & Estate When the rate of return on invest-Planning with CIBC Private Wealth ments in an RRSP equals the interest Management in Toronto. Here are some rate on debt:conclusions from his latest report

Ÿ If your tax rate is expected to be published by CIBC.lower in the year of RRSP withdrawal than it is today, an RRSP contribution

When your tax rate today is the same yields a higher benefit than debt as your expected tax rate at the time of repayment (i.e. there is an "RRSP withdrawal and the rate of return on advantage"). That advantage grows the investments is the same as the rate of longer the funds remain in the RRSP.interest on your debt, it makes no

Ÿ If your tax rate is expected to difference whether funds are invested in remain the same in the year of RRSP an RRSP or TFSA or used to pay down withdrawal as it is today, an RRSP debt. contribution and debt repayment yield

The choice between a TFSA contribution and debt repayment, both of which are "after-tax" investments, depends solely on the rate of return on investments versus the interest rate on debt. If the rate of return on investments is higher than the rate of interest on debt, a TFSA yields a higher benefit; otherwise, debt repayment is a better choice. When comparing a TFSA to debt, the risk and time horizon for the rate of return on TFSA invest-ments and debt interest rate

Conclusion 3

Conclusion 1

Conclusion 2

5PAGESNews & ViewsDigest

The RRSP, the TFSA and the Mortgage:Making the Best Choice

steady dividend increases. These include telecom stocks and technology names, such as IBM and Automatic Data Processing.

If there's a dark spot on the global economic picture, it's Europe. But, amazingly, while Europe's economy floundered in 2012, its stock markets posted double-digit gains: Germany's DAX index zoomed ahead an astound-ing 29 per cent.

And, amid the economic gloom, some see signs of life. "We see those economies pulling out of recession in 2013," says Ferley.

While some predict further gains, Sissons expects a European market correction in 2013. "Last year was very much a flight to quality," he says.

But, he adds, there's still

Europe

>>Cont. Pg.2

>>Cont. Pg.2

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4 MARCH 2013MONEYDREAMS & Insure your dreams

According to police-reported data, just over 173,600 women aged 15 and older were victims of violent crime in 2011, a rate of 1,207 female victims for every 100,000 women in the population.

Women were 11 times more likely than men to be a victim of sexual offences, and 3 times more likely to be the victim of criminal harassment.

The rate of police-reported sexual assaults against women remained stable in 2011 after increasing between 2009 and 2010. The 2009 General Social Survey (GSS) on victimization, which provides information on self-reported against women rose 19% between 2010 incidents of victimization that are both and 2011. However, the rate in 2011 was reported and unreported to police, 15% less than it was a decade earlier.showed that a significant proportion of Reporting to police was more likely sexual assaults are not reported to when women had sustained an injury, police. when they feared for their lives, or when

The rate of homicides against the abuse had gone on for some time.women, generally considered a barome- Younger women were most at risk of ter of violent crime, has been relatively violent victimization, according to both stable since 2000. In the three decades police-reported and self-reported prior to 2000, the rate had declined 58%. victimization data. The risk generally

Both women and men were more at decreases as women age.risk of violence by dating partners than The police-reported rate of violent by spouses. Among women, rates of crime against women aged 15 to 24 was dating violence in 2011 were 60% 42% higher than the rate for women higher than the spousal violence rate. aged 25 to 34, and nearly double the rate

Rates of intimate partner homicides for women aged 35 to 44.

If you are a woman, one of the first defenses you should be aware of is to

on the panel and scream like crazy. If simply avoid situations where you can you are in a room or corridor, bang on put yourself in danger in the first place. doors or walls to get attention. This is Most women have the good common not a time to be concerned about sense to avoid lonely parking areas and propriety.dark streets late at night. And of course,

do not put yourself alone in a situation with a strange man, such as in his car or If a robber wants your wallet: Throw behind a bar or club. But what if, your purse or wallet away from and despite your best intentions, you are still behind you, then run in the opposite confronted and possibly attacked? direction. In most cases, the robber

If you are attacked from behind: this wants the money, not you, and he will is what most robbers will do. Drop. move away from the direction you are This will take your attacker by surprise and give you precious time to get up and run. If possible, run in the opposite direction that your attacker is facing, but if this will lead you to a more deserted area, or a dead end, run towards the road or a lighted area, screaming as you do.

If you are attacked from the front: It is

going in so that he can retrieve your not a joke when we constantly see men money.fall in excruciating pain when they are

hit in the groin. This is a tender area, and If a robber has a weapon: Remove you can use it to your advantage when yourself from the situation as quickly as you are facing your aggressor. Kick, you can. Give him your handbag, throw hard and fast into the groin area and then you wallet, whatever it takes, and get run to a safe area as fast as you can. away. If a gun is involved, run in a low

and jagged pattern as you get away; If you are accosted in an enclosed better to be injured than dead.area: This is one of the most dangerous

situations you can be exposed to, Remember that money can always because even if you are able to disable be replaced, but your life can never be your attacker, you are still trapped. If replaced.you are in an elevator, push every button (Source: activelifestylewoman.com)

By Taylor

How Women ThemselvesCan Protect Violence Against Women, 2011

- Statistics Canada

Investing 2013 in Canada...

From Pg.1 The world's less-developed econo-mies are seen as a single group, but that value in European companies that have no longer applies, says Sissons. He been beaten down in the recession.believes performance will vary by Srikanth Iyer, managing director at region.Guardian Capital, agrees. The Euro

Asia should get a boost from India, crisis offers "the opportunity of a which has opened its market to foreign-lifetime" to pick up undervalued stocks, ers, and countries such as Indonesia and he says, particularly telecoms and the Philippines should post strong banks.growth.

But prospects aren't so bright for China's economic juggernaut Latin America, Sissons says. The region weakened in 2012, but with new is dependent on resources, so weak measures to stimulate the economy and commodity prices could be act as a get Chinese consumers to spend, it headwind.could be the global saviour once again.

Emerging market funds provide China's economic growth is esti-broad exposure to the developing world mated at around 8 per cent this year, with less risk than investing in foreign down from its high-flying 10-per-cent stocks.average. But a pickup in construction

Perhaps the best way to participate in and infrastructure spending could be foreign markets is to invest in the enough to drive demand for resources S&P 500, says Iyer. Its companies and keep the world's economy afloat.now get more than 40 per cent of their It's hard for small investors to revenues from outside the U.S., from participate in China's recovery, except places that include emerging markets.through Asian mutual funds or ETFs

So, despite the slow economies and that offer exposure to stocks based in political noise, it's still possible to get a China or Hong Kong.return on your money. And most experts However, stronger demand from favour stocks over bonds this year, as we China could help boost prices for await the day when interest rates rise resources such as minerals, says Iyer, again.sparking a rebound in Canada's materi-

Perhaps the best general advice is als stocks.from Srikanth Iyer's: Look for compa-nies that offer growth, payment in the form of dividends, and sustainability of earnings and dividends. They provide solid returns in these troubled times, and can be found all over the world.

(Source : thestar.com)

Emerging markets

China

The RRSP, the TFSA... the tax rate today differs from the tax rate on RRSP From Pg.1withdrawal, the choice the same benefit (i.e. there between making an RRSP is no "RRSP advantage" or contribution and paying "debt advantage").debt is more complex due

Ÿ If your tax rate is to the interplay of these expected to be higher in the factors as well as the year of RRSP withdrawal investment time horizonthan it is today, debt

Chief Editor's note: repayment yields a higher The above conclusions are benefit than an RRSP r e a s o n a b l y s t r a i g h t contribution (i.e. there is a forward. If you still find "debt advantage"). The them confusing, do what is debt advantage increases beneficial for the majority with time.of the population; that is

pay your debts first before allocating When the rate of return on an RRSP money for RRSP or TFSA.

differs from the interest rate on debt and

Conclusion 4

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4 MARCH 2013MONEYDREAMS &

The National Association of Realtors market. By contrast, there were 2.91 recently said that it's becoming a seller's million homes on the market two years market in the US. The ago at this time. number of homes Inventory declines listed for sale in have been the most January fell by 4.9%, d r a m a t i c i n leaving 1.74 million California, Arizona, properties on the and other markets. market. That's the Investors have also l o w e s t s i n c e been aggressive in December of 1999, buying up properties when there were 1.71 that are selling for less million homes on the than their replacement

cost.

In Toronto, the January sales figures represent a good start to 2013. "While the number of transactions was down slightly compared to last year, the rate of decline was much less than what was experienced in the second half of 2012. This suggests that some buyers, who put their decision to purchase on hold last year due to stricter mortgage lending guidelines, are once again becoming active in the market," said Toronto Real Estate Board (TREB) President Ann Hannah.

In the whole of Canada, sales of existing homes edged up 1.3 per cent in January from December, the first monthly gain since September 2012, according to the Canadian Real Estate Association.

Not everyone is willing to believe the figures. May be it is turning around or may be it is not. Next few months will provide a definite answer.

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.

DISCLAIMER

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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.

THE MISSION

From Perrii’s Blog: www.perrii.com Housing Market

Seller’s Market in Housing Again?

Condo sales and prices have started falling since May 2012.

Resale or new, the condo sales have seen a much more dramatic downturn in Toronto. Condo markets are certainly in buyer's market territory.

Greater Toronto REALTORS® reported 3,830 condominium apartment sales through the TorontoMLS system during the fourth quarter of 2012. This number represented a decline of 23 per cent compared to 5,005 sales during the same time period in 2011.

The average selling price for condominium apartments in the fourth quarter was $332,410 – down by one per cent compared to the fourth quarter of 2011, according to TREB.

Some developers are said to be launching at below-market value. Once a desired number of units are sold, they raise the prices on all units. Some other developers are re-launching projects at lower prices discreetly. They do not want to anger the previous buyers.

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4 MARCH 2013MONEYDREAMS & INVESTING

Review Of Global Markets

Review Of Indian Markets

measures taken to counter the debt crisis deepened the currency bloc's recession. Global market ended with mixed on Unemployment in the 17-nation euro note during the week, in response to area rose to 11.9 percent from a revised weaker than expected China's manufac-11.8 percent in Decemberturing PMI data, worries over the

economic fallout from Italy's political Federal Reserve chairman Ben stalemate, and caution ahead of deadline Bernanke defended the US central for mandatory spending cuts in the US bank's monetary policy, sending a in the global day. Stocks fell across the strong signal on ongoing asset pur-globe as political paralysis in Italy after chases. Orders for US durable goods general elections fueled fears of excluding transportation gear climbed renewed instability in Europe, scaring in January by the most in a year, while investors out of risky assets. pending home sales increased more than

forecast. In economic data, the US Globally, appetite for risk assets economy grew 0.1% in the final quarter impacted on disappointing manufactur-

ing PMI readings that renewed worries about China's economic health. China' February PMI and Factory growth cools to almost 5 months low. China's PMI slanted more towards state-owned firms, declined to 50.1 in February, down 0.3 points from January, on a 100-point scale on which numbers above 50 show an expansion in activity as demand faltered and factories shut down for the Lunar New Year holiday.

of 2012 and weekly jobless claims fell A separate survey by Markit by 22,000 to 344,000 while a measure of

Economics also pointed to a slowdown Chicago-area manufacturing, which hit in factory activity last month. The an 11-month high in FebruaryMarkit/HSBC PMI, adjusted for the strong seasonal factors associated with

Indian Markets declined during the the Spring Festival, fell to a four-month week due to disappointing Union low of 50.4 in February from 52.3 in budget. Market edged lower in the January. week after the Finance Minister P

Japan's industrial production rose for Chidambaram announced hike in

a second month in January, highlighting surcharge on corporate tax for domestic

an improving economic outlook. Output companies and dividend distribution tax

climbed 1% from December, when it in Budget 2013-14. Sensex dropped

rose 2.4%. The euro-area jobless rate below the psychological 19,000 mark

rose to a record in January as austerity

mid-quarter review of Monetary Policy 2012-13 on 19 March 2013.

On the global front, the Governing Council of the European Central Bank

during the week. Railway Minister (ECB) holds a meeting on euro area Mr.Pawan Kumar Bansal announced interest rates on Thursday, 7 March fuel adjustment component (FAC) 2013. The euro area comprises the 17 linked revision for freight tariff to be European Union countries that have implemented with effect from 1 April introduced the euro since 1999. 2013, in Railway Budget for 2013-14, The Monetary Policy Committee also weighed on sentiment. However, (MPC) of the Bank of England (BoE) Economic Survey 2012-13, presented holds a meeting on interest rates in the by Finance Minister stated that Indian UK on Thursday, 7 March 2013. economy is likely to grow between T h e F e d e r a l O p e n M a r k e t 6.1% to 6.7% in 2013-14 as the down- Committee (FOMC) holds a two-day turn is more or less over and the econ- meeting on the interest rates in the omy is looking up, supported the United States on 19 and 20 March 2013. bourses.

Investors are keeping an eye on risks Indian stocks fell in two out of five from U.S. spending cuts due to take

trading sessions in the week ended effect at the start of March as part of a Friday, 1 March 2013. Sensex fell previous budget agreement between the 2.06% to 18918.52 and Nifty fell 2.23% White House and Congress. The to 5719.70 in the week ended 1, March planned "sequester" could hit U.S. 2013 growth if no deal is reached to avoid it.

US govt employees are struggling with how to cope financially with an

Data on advance tax payment for the expected 20% cut in work hours and payfinal installment of the current fiscal Your success as an investor depends year which is 15 March 2013, could upon your ability to choose the right provide cues on the likely Q4 March investment options. This, in turn, 2013 corporate earnings depends on your requirements, needs

Markit Economics will unveil the and goals. The choice of the best result of a monthly survey on the investment options for you will depend performance of India's services sector on your personal circumstances as well for February 2013 on Tuesday, 5 March as general market conditions. We 2013. The Central Statistics Office understand present market situation and (CSO) will unveil data on industrial provide real time training to manage production for January 2013 and also your investment portfolio. We also data on the combined consumer price design portfolio depending on the index for rural and urban India for requirement of individuals February 2013 on 12 March 2013. The Reserve Bank of India (RBI) undertakes

Market Outlook – Week Begins From 4 March 2013

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

Ph : +91 9380034431/9962534431

Further details:

M.Shekar

Global Indian Market and Weekly Review - Week Ended 1 March 2013

FEAR SLOWS DOWN THE UPTREND

The Toronto Stock Exchange's S&P/TSX composite index (.GSPTSE) closed at 12,773.12 and notched a gain of 0.56 percent for the week. Seven of the 10 main sectors are in the red. The TSX venture exchange was at 1120.09

The U.S. government stumbled toward the massive automatic spending cuts known as "sequestration." This scares the market.

Investor sentiment was also dampened by disappointing economic data from China, Europe and the sluggish growth of Canadian economy.

The gloomy economic news weighed on commodity prices and pulled resource stocks lower.

The Canadian dollar was at 97.36 cents US.

The Dow Jones industrials closed at 14 089.66 ( last week 13,926.43), the Nasdaq at 3169.74 (last week 3,141.14) and the S&P 500 index was at 1518.2 (last week 1,506.45).

Source : Yahoo Finance

CANADIAN ECONOMY EDGED UP 0.2%

CANADA’S CURRENT ACCOUNT DEFICIT DECREASED.

INTERNATIONAL TRAVEL ACCOUNT, FOURTH QUARTER 2012

Real gross domestic product (GDP) edged up 0.2% in the fourth quarter, similar to the gain in the third quarter. On a monthly basis, real GDP by industry declined 0.2% in December.

Final domestic demand was up 0.6%, compared with a 0.2% gain the previous quarter. Household and government final consumption expenditures and business fixed capital investment all increased. Inventory invest-ment slowed sharply from the third quarter. Imports were down, while exports increased slightly.

Canada's current account deficit (on a seasonally adjusted basis) decreased $0.8 billion to $17.3 billion in the fourth quarter. The reduction to the goods deficit was partially offset by the increase of the investment income deficit.

The deficit on trade in goods was reduced by $2.3 billion in the fourth quarter to $2.8 billion. This largely reflected

increased exports, led by energy products and by farm, fishing and intermediate food products. The goods surplus with the United States was up $2.0 billion on stronger exports in the fourth quarter, although for the year 2012, it was reduced by $6.8 billion to $42.1 billion. The deficit on goods with all other countries reached a record of $54.0 billion in 2012, up $6.0 billion from 2011.

Canadian travellers spent just under $9.0 billion outside the country during the fourth quarter, up 1.8% from the third quarter. At the same time, receipts from foreign travellers in Canada increased 2.6% to $4.4 billion.

On an annual basis, Canada's international travel deficit reached $17.8 billion in 2012, up $1.5 billion from 2011.

During the course of the year, payments by Canadians travelling abroad grew 6.7% to $35.2 billion, while receipts from foreign visitors in Canada increased 4.4% to $17.3 billion.

TSX Trend From Feb.25, 2013 to Mar.2, 2013

Weekly Statistics Canada News

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Schools in Vicinity:s Delhi public schools PSBB millennium schools Sushil hari international school

s Zigma matriculation schools Vidhya matric higher secondary schools CHRIST the king hr sec schools Balavidhya mandirs HLC International school

Proposed Amenities:s Club houses Swimming pools Gymnasiums Multipurpose halls Department stores Pharmacys Indoor & out door gamess Childrens play area And much more amenities.Hospital in Vicinity:s Chettinad Hospitals Tagore hospitals Global hospitals Annai Theresa hospitals Suraj hospitalss Medavakkam primary health centers 24 hrs clinic in ponmar

DISTANCE TABLE

VITMedavakkam

VelacheryOMR Navalur

Vandalur - Kelambakkam RoadTambaram

AirportSiruseri SipcotKelambakkam

Chettinad Health City

6 Kms7 Kms14 Kms8 Kms3.3 Kms10 Kms17 Kms7 Kms10 Kms8 Kms