(276,1,'2016-02-04 10:00:39','2016-02-04 15:00:39','<h3>The asset allocation question</h3>\n<div id=\"attachment_145882\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145882\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-40s.jpg\" alt=\"Mark Werner has an aggressive portfolio heavily weighted in stocks. Now that he’s getting a bit older, should he minimize that risk and buy more bonds? \" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Mark Werner has an aggressive portfolio heavily weighted in stocks. Now that he’s getting a bit older, should he minimize that risk and buy more bonds?</p></div>\n<p>Mark Werner’s 45th birthday came and went without much fanfare. He went to work, had a little celebration with family and that was about it. The next day, though, he woke up and felt a slight sense of panic. He suddenly realized that he was about 10 to 15 years away from retirement. “It just hit me,” he says. “I’m not a young guy anymore.”</p>\n<p>Werner, who owns E-Bridge Technologies Corp., a Toronto-based IT consulting firm, doesn’t feel any different than when he first put money into his RRSP at 24. He still thinks of himself as someone with decades of saving ahead of him, something his fairly aggressive RRSP portfolio reflects: It’s currently made up of about 70% equities and 30% fixed income, with the stocks portion split evenly between Canadian, American, European and emerging markets funds. While he owns several diversified equity mutual funds, about 10% of his portfolio is always in higher-risk securities. He’s owned booming tech stocks, Chinese mutual funds, pharmaceutical companies and other risky investments.</p>\n<p>When he started investing decades ago and had a long time horizon, that mix made sense, even if it’s given him a scare or two. During the 2008-2009 recession his portfolio dropped by about a quarter, losing $100,000 in a few short months. He’s made that up since—in part by continuing to buy during the downturn—but the closer he gets to retirement the more nervous he gets about losing that kind of money again.</p>\n<p>Thankfully, saving hasn’t ever been an issue for Werner, who has often maxed out his yearly RRSP contribution limit. He automatically deducts about 75% of his contribution from his paycheque and then tops it up with a lump sum for the remainder come deadline time. For his efforts, he has about $450,000 in his account today.</p>\n<p>But now that Werner is in his mid-40s, he’s beginning to question his asset mix. For years, he’s been told that the closer one gets to retirement the more money they should have in fixed income. “Attitude-wise I’m young and I think I should be fairly aggressive with my investments, but when you look at risk surveys that ask how old you are, they tell you something different.”</p>\n<p>He’s wondering if he should allocate more of his money to bonds, income funds and other less volatile investments. “If I’m planning my retirement in 10 years, I don’t want to be in a place where I’ve lost a large part of that investment.”</p>\n<h3>What the experts say</h3>\n<p>Werner isn’t the only one to have this type of post-birthday I’m-close-to-retirement epiphany. In fact, Ryan Lamontagne’s Campbell regularly gets panicked calls from people in their mid 40s who have just passed a birthday and have questions about their asset allocation. “It makes sense,” Campbell says. From age 30 to 45, people are figuring out how to meet their goals, whether that’s retirement or paying down a mortgage. “In their mid 40s, they’re starting to wonder if they are actually hitting their targets and how to make sure they stay on the right track,” she says.</p>\n<p>But, as common as that asset allocation question is, it’s the wrong question to be asking, says Campbell. What Werner (or any other forty-something) should be thinking about is whether or not he’s saving enough for retirement. As life expectancy has expanded and interest rates have fallen, people need even more money than before. Right now, conservative investors likely won’t make up any gaps in the bond market, which is only returning around 2% today.</p>\n<p>This means that people need to save more for longer, and they may need to stay invested in equities for longer, too. Conventional wisdom once suggested the percentage of equities in a portfolio should equal 100 minus your age—so 60% if you’re 40 years old. But in our current environment, a more aggressive guideline is to subtract your age from 120 to determine your allocation of stocks; conservative investors can use 110.</p>\n<p>As with any rule of thumb, though, “take it with a grain of salt,” says Heath. When you’re choosing an asset allocation, your required rate of return to meet your retirement savings goal is key. More importantly, you must also make sure you’re accounting for your own personal risk tolerance: “If an investor doesn’t realize the potential losses that their portfolio could see in a bad year,” says Heath, “you risk the chance of making a temporary stock market decline a permanent one by having them in cash at the low point.”</p>\n<p>So someone like Werner, who has 15 years before he retires, should have the majority of his retirement savings in equities, “especially in this low-rate environment,” says Heath. For those who aren’t comfortable taking risk, remember you’ll still need to generate some sort of return to meet your retirement objectives, he adds.</p>\n<p>Werner doesn’t need to change his allocation now. Instead, he should revisit his allocation when he’s about five years away from needing the money in his portfolio. What he does need to think about, however, is whether he needs to save more in order to meet his retirement goals. There are many online tools and calculators that he can use, while financial planners can build retirement models based on his personal situation. “This is the time to figure all of this out,” says Heath.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\" >The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145796\" >RRSPs in your 20s: Focus on fees »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145800\" >RRSPs in your 30s: Priority planning »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-40s/\">The RRSP guide for investors in their 40s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 40s','<p>While asset allocation is important, the real question you should be asking yourself is if you\'re saving enough for retirement </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-40s/\">The RRSP guide for investors in their 40s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','the-rrsp-guide-for-investors-in-their-40s','','','2016-02-07 09:42:18','2016-02-07 14:42:18','',0,'http://www.moneysense.ca/?p=145806',0,'post','',0),(277,1,'2016-02-04 10:00:39','2016-02-04 15:00:39','<h3>The asset allocation question</h3>\n<div id=\"attachment_145882\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145882\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-40s.jpg\" alt=\"Mark Werner has an aggressive portfolio heavily weighted in stocks. Now that he’s getting a bit older, should he minimize that risk and buy more bonds? \" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Mark Werner has an aggressive portfolio heavily weighted in stocks. Now that he’s getting a bit older, should he minimize that risk and buy more bonds?</p></div>\n<p>Mark Werner’s 45th birthday came and went without much fanfare. He went to work, had a little celebration with family and that was about it. The next day, though, he woke up and felt a slight sense of panic. He suddenly realized that he was about 10 to 15 years away from retirement. “It just hit me,” he says. “I’m not a young guy anymore.”</p>\n<p>Werner, who owns E-Bridge Technologies Corp., a Toronto-based IT consulting firm, doesn’t feel any different than when he first put money into his RRSP at 24. He still thinks of himself as someone with decades of saving ahead of him, something his fairly aggressive RRSP portfolio reflects: It’s currently made up of about 70% equities and 30% fixed income, with the stocks portion split evenly between Canadian, American, European and emerging markets funds. While he owns several diversified equity mutual funds, about 10% of his portfolio is always in higher-risk securities. He’s owned booming tech stocks, Chinese mutual funds, pharmaceutical companies and other risky investments.</p>\n<p>When he started investing decades ago and had a long time horizon, that mix made sense, even if it’s given him a scare or two. During the 2008-2009 recession his portfolio dropped by about a quarter, losing $100,000 in a few short months. He’s made that up since—in part by continuing to buy during the downturn—but the closer he gets to retirement the more nervous he gets about losing that kind of money again.</p>\n<p>Thankfully, saving hasn’t ever been an issue for Werner, who has often maxed out his yearly RRSP contribution limit. He automatically deducts about 75% of his contribution from his paycheque and then tops it up with a lump sum for the remainder come deadline time. For his efforts, he has about $450,000 in his account today.</p>\n<p>But now that Werner is in his mid-40s, he’s beginning to question his asset mix. For years, he’s been told that the closer one gets to retirement the more money they should have in fixed income. “Attitude-wise I’m young and I think I should be fairly aggressive with my investments, but when you look at risk surveys that ask how old you are, they tell you something different.”</p>\n<p>He’s wondering if he should allocate more of his money to bonds, income funds and other less volatile investments. “If I’m planning my retirement in 10 years, I don’t want to be in a place where I’ve lost a large part of that investment.”</p>\n<h3>What the experts say</h3>\n<p>Werner isn’t the only one to have this type of post-birthday I’m-close-to-retirement epiphany. In fact, Ryan Lamontagne’s Campbell regularly gets panicked calls from people in their mid 40s who have just passed a birthday and have questions about their asset allocation. “It makes sense,” Campbell says. From age 30 to 45, people are figuring out how to meet their goals, whether that’s retirement or paying down a mortgage. “In their mid 40s, they’re starting to wonder if they are actually hitting their targets and how to make sure they stay on the right track,” she says.</p>\n<p>But, as common as that asset allocation question is, it’s the wrong question to be asking, says Campbell. What Werner (or any other forty-something) should be thinking about is whether or not he’s saving enough for retirement. As life expectancy has expanded and interest rates have fallen, people need even more money than before. Right now, conservative investors likely won’t make up any gaps in the bond market, which is only returning around 2% today.</p>\n<p>This means that people need to save more for longer, and they may need to stay invested in equities for longer, too. Conventional wisdom once suggested the percentage of equities in a portfolio should equal 100 minus your age—so 60% if you’re 40 years old. But in our current environment, a more aggressive guideline is to subtract your age from 120 to determine your allocation of stocks; conservative investors can use 110.</p>\n<p>As with any rule of thumb, though, “take it with a grain of salt,” says Heath. When you’re choosing an asset allocation, your required rate of return to meet your retirement savings goal is key. More importantly, you must also make sure you’re accounting for your own personal risk tolerance: “If an investor doesn’t realize the potential losses that their portfolio could see in a bad year,” says Heath, “you risk the chance of making a temporary stock market decline a permanent one by having them in cash at the low point.”</p>\n<p>So someone like Werner, who has 15 years before he retires, should have the majority of his retirement savings in equities, “especially in this low-rate environment,” says Heath. For those who aren’t comfortable taking risk, remember you’ll still need to generate some sort of return to meet your retirement objectives, he adds.</p>\n<p>Werner doesn’t need to change his allocation now. Instead, he should revisit his allocation when he’s about five years away from needing the money in his portfolio. What he does need to think about, however, is whether he needs to save more in order to meet his retirement goals. There are many online tools and calculators that he can use, while financial planners can build retirement models based on his personal situation. “This is the time to figure all of this out,” says Heath.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\" >The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145796\" >RRSPs in your 20s: Focus on fees »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145800\" >RRSPs in your 30s: Priority planning »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-40s/\">The RRSP guide for investors in their 40s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 40s','<p>While asset allocation is important, the real question you should be asking yourself is if you\'re saving enough for retirement </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-40s/\">The RRSP guide for investors in their 40s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','276-revision-v1','','','2016-02-04 10:00:39','2016-02-04 15:00:39','',276,'http://feedwordpress.radgeek.com/?rev=3d6e27dcc8e516d716fac1b5ca47b49c',0,'revision','',0),(278,1,'2016-02-04 10:00:20','2016-02-04 15:00:20','<h3>Priority planning</h3>\n<div id=\"attachment_145872\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145872\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-30s.jpg\" alt=\"Kori and Tyler Wachniak are dealing with a lot of financial changes these days—including the cost of raising little Carter. Should they focus on their mortgage or RRSPs? \" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Kori and Tyler Wachniak are dealing with a lot of financial changes these days—including the cost of raising little Carter. Should they focus on their mortgage or RRSPs?</p></div>\n<p>Financial planning is complicated enough as it is, but it may be the most confusing for people in their 30s. This is the age where life brings about a lot of rapid changes—marriage, home ownership, children—and it’s hard enough to pay for all these sizable expenses, let alone save money for retirement. Take Kori and Tyler Wachniak, 30 and 32, respectively, who are just entering this new phase of their lives and are already feeling overwhelmed.</p>\n<p>Last February, the Winnipeg-based couple had their first child, Carter, shortly after purchasing their first home the year before. Up until recently, the Wachniaks had fancied themselves fairly good savers. Kori, a pharmacist, has about $43,000 put away—$12,000 in RRSPs and the rest split between two work-related pension accounts. Meanwhile, Tyler, a pilot, has about $60,000 in an RRSP and $60,000 in a TFSA. But between the cost of raising their toddler and paying off the $274,500 remaining on their home, squirrelling away extra money for retirement is becoming increasingly difficult and their bills keep getting higher.</p>\n<p>As part of their savings strategy, the couple must factor in Kori’s reduced working hours when she returns to her job in February. She only plans on working two days a week and hopes to work part-time for at least the next 18 years, until her child (and any future kids) head off to university. Thankfully, the couple’s not concerned about maintaining their day-to-day expenses—Kori’s maternity payments ($40,000) equal about as much as she’ll get when she goes back to work part time, so they’re used to living off her smaller income. Plus, Kori will still get a pension from her job. And while Tyler doesn’t get a pension, he does get company shares that he can do with as he pleases—right now, 60% of his assets are tied up in this stock.</p>\n<p>While Tyler has decided to use a mix of RRSPs and TFSAs (a good hedge against predicting what tax bracket when he retires), Kori’s not certain if it’s better to invest money into her RRSP or a TFSA due to her lower salary. Or should the couple just collectively forget about retirement saving all together for now and focus on paying down their mortgage?</p>\n<p>The Wachniaks know that if they want to retire with enough money they need to start planning now. What exactly they should be doing, however, isn’t so clear. “We want to know how to get the most out of what we have,” says Tyler. “We want to be as efficient as we can be with our money. We still want to be ahead.”</p>\n<h3>What the experts say</h3>\n<p>There’s no doubt that it’s hard to keep up with all the expenses of your 30s, says Heather Franklin, a Toronto-based fee-for-service financial planner. With the rising cost of real estate, growing daycare expenses and other financial demands, it’s easy for people in this age group to ignore their RRSPs—and many do. But putting off retirement savings to pay for everything else is a mistake, says Franklin. “Now is not the time to not contribute,” she says. People need to get in the habit of saving today, so they don’t scramble later; plus, the earlier one saves in a tax-sheltered account, the longer the money can compound tax-free.</p>\n<p>That being said, however, Kori should probably forget about using an RRSP—at least at this stage in her life, says Franklin. The RRSP works best when someone’s earning a higher salary—they get a tax break at higher income ranges and then, ideally, pay less tax on the money they withdraw in retirement when they’re no longer working. Most experts say that between $35,000 and $50,000 there’s not much benefit to using one type of tax shelter over another. If you anticipate consistently earning under $35,000 annually, the TFSA makes the most sense because it won’t result in the clawback of income-tested benefits in retirement—like Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). But if you’re making $50,000 or more a year over the long term, the RRSP is the way to go.</p>\n<p>So at Kori’s $40,000 salary, the benefit of an RRSP over a TFSA from a tax-planning point of view is a bit of a wash. Rather, the main reason she should use the TFSA is that her continued contributions to her pension will mean that she’ll already have a lot of taxable income come retirement time. She shouldn’t add more by contributing to an RRSP, given that she plans on staying at this income level for the foreseeable future. “At $40,000 there’s no real benefit to using an RRSP,” says Franklin. “She has that pension.”</p>\n<p>Tyler also needs to adjust his portfolio if he wants to keep his family’s assets safe. Having more than half of his money tied up in one company is dangerous, especially in the airline sector, which tends to be cyclical. While he should keep his share purchase plan going, he needs to diversify his assets, says Franklin. She suggests selling some of his stock and buying other equities. Her advice: Don’t have more than 15% in one company—and 10% is probably better.</p>\n<p>Another option for the couple is to put Kori’s money into a Registered Education Savings Plan (RESP) for little Carter. With her pension and Tyler’s savings, she may not need to put more money into her own retirement account. Instead, if they put $2,500 a year in an RESP they’ll not only be saving for a potentially big expense later on, but they’ll be eligible for annual 20% Canada Education Savings Grant (CESG) money from the government as well. (If you don’t max out your annual CESG the eligibility room carries forward, but $1,000 is the maximum grant you can receive in any one year.)</p>\n<p>Ultimately, the Wachniaks will have to make some tough choices with their income if they want to pay off their house in less than 25 years and still make RRSP contributions. In today’s environment, homeowners are carrying mortgages with rates around 3%, which might make it more tempting to invest in equities to earn better returns. A good rule for couples in this type of situation is to consider the size of their mortgage: If it’s moderate, invest your disposable income in RRSPs; but if it’s a really big mortgage, focus on home payments. Still not sure what to do? A good compromise is to make a lump-sum contribution to your RRSP close to tax time and then use the refund to a make a prepayment on your mortgage.</p>\n<p>Whatever Kori and Tyler decide to do, says Annie Kvick, a fee-for-service only planner with Money Coaches Canada in North Vancouver, the most important piece of advice they need to heed is “live within your means. Your 40s are a very tough stage in life because there are so many conflicting expenses and goals.”</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\" >The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145796\" >RRSPs in your 20s: Focus on fees »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145806\" >RRSPs in your 40s: The asset allocation question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-30s/\">The RRSP guide for investors in their 30s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 30s','<p>Putting off retirement savings to pay for everything else is a mistake</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-30s/\">The RRSP guide for investors in their 30s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','the-rrsp-guide-for-investors-in-their-30s','','','2016-02-07 09:42:18','2016-02-07 14:42:18','',0,'http://www.moneysense.ca/?p=145800',0,'post','',0),(279,1,'2016-02-04 10:00:20','2016-02-04 15:00:20','<h3>Priority planning</h3>\n<div id=\"attachment_145872\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145872\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-30s.jpg\" alt=\"Kori and Tyler Wachniak are dealing with a lot of financial changes these days—including the cost of raising little Carter. Should they focus on their mortgage or RRSPs? \" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Kori and Tyler Wachniak are dealing with a lot of financial changes these days—including the cost of raising little Carter. Should they focus on their mortgage or RRSPs?</p></div>\n<p>Financial planning is complicated enough as it is, but it may be the most confusing for people in their 30s. This is the age where life brings about a lot of rapid changes—marriage, home ownership, children—and it’s hard enough to pay for all these sizable expenses, let alone save money for retirement. Take Kori and Tyler Wachniak, 30 and 32, respectively, who are just entering this new phase of their lives and are already feeling overwhelmed.</p>\n<p>Last February, the Winnipeg-based couple had their first child, Carter, shortly after purchasing their first home the year before. Up until recently, the Wachniaks had fancied themselves fairly good savers. Kori, a pharmacist, has about $43,000 put away—$12,000 in RRSPs and the rest split between two work-related pension accounts. Meanwhile, Tyler, a pilot, has about $60,000 in an RRSP and $60,000 in a TFSA. But between the cost of raising their toddler and paying off the $274,500 remaining on their home, squirrelling away extra money for retirement is becoming increasingly difficult and their bills keep getting higher.</p>\n<p>As part of their savings strategy, the couple must factor in Kori’s reduced working hours when she returns to her job in February. She only plans on working two days a week and hopes to work part-time for at least the next 18 years, until her child (and any future kids) head off to university. Thankfully, the couple’s not concerned about maintaining their day-to-day expenses—Kori’s maternity payments ($40,000) equal about as much as she’ll get when she goes back to work part time, so they’re used to living off her smaller income. Plus, Kori will still get a pension from her job. And while Tyler doesn’t get a pension, he does get company shares that he can do with as he pleases—right now, 60% of his assets are tied up in this stock.</p>\n<p>While Tyler has decided to use a mix of RRSPs and TFSAs (a good hedge against predicting what tax bracket when he retires), Kori’s not certain if it’s better to invest money into her RRSP or a TFSA due to her lower salary. Or should the couple just collectively forget about retirement saving all together for now and focus on paying down their mortgage?</p>\n<p>The Wachniaks know that if they want to retire with enough money they need to start planning now. What exactly they should be doing, however, isn’t so clear. “We want to know how to get the most out of what we have,” says Tyler. “We want to be as efficient as we can be with our money. We still want to be ahead.”</p>\n<h3>What the experts say</h3>\n<p>There’s no doubt that it’s hard to keep up with all the expenses of your 30s, says Heather Franklin, a Toronto-based fee-for-service financial planner. With the rising cost of real estate, growing daycare expenses and other financial demands, it’s easy for people in this age group to ignore their RRSPs—and many do. But putting off retirement savings to pay for everything else is a mistake, says Franklin. “Now is not the time to not contribute,” she says. People need to get in the habit of saving today, so they don’t scramble later; plus, the earlier one saves in a tax-sheltered account, the longer the money can compound tax-free.</p>\n<p>That being said, however, Kori should probably forget about using an RRSP—at least at this stage in her life, says Franklin. The RRSP works best when someone’s earning a higher salary—they get a tax break at higher income ranges and then, ideally, pay less tax on the money they withdraw in retirement when they’re no longer working. Most experts say that between $35,000 and $50,000 there’s not much benefit to using one type of tax shelter over another. If you anticipate consistently earning under $35,000 annually, the TFSA makes the most sense because it won’t result in the clawback of income-tested benefits in retirement—like Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). But if you’re making $50,000 or more a year over the long term, the RRSP is the way to go.</p>\n<p>So at Kori’s $40,000 salary, the benefit of an RRSP over a TFSA from a tax-planning point of view is a bit of a wash. Rather, the main reason she should use the TFSA is that her continued contributions to her pension will mean that she’ll already have a lot of taxable income come retirement time. She shouldn’t add more by contributing to an RRSP, given that she plans on staying at this income level for the foreseeable future. “At $40,000 there’s no real benefit to using an RRSP,” says Franklin. “She has that pension.”</p>\n<p>Tyler also needs to adjust his portfolio if he wants to keep his family’s assets safe. Having more than half of his money tied up in one company is dangerous, especially in the airline sector, which tends to be cyclical. While he should keep his share purchase plan going, he needs to diversify his assets, says Franklin. She suggests selling some of his stock and buying other equities. Her advice: Don’t have more than 15% in one company—and 10% is probably better.</p>\n<p>Another option for the couple is to put Kori’s money into a Registered Education Savings Plan (RESP) for little Carter. With her pension and Tyler’s savings, she may not need to put more money into her own retirement account. Instead, if they put $2,500 a year in an RESP they’ll not only be saving for a potentially big expense later on, but they’ll be eligible for annual 20% Canada Education Savings Grant (CESG) money from the government as well. (If you don’t max out your annual CESG the eligibility room carries forward, but $1,000 is the maximum grant you can receive in any one year.)</p>\n<p>Ultimately, the Wachniaks will have to make some tough choices with their income if they want to pay off their house in less than 25 years and still make RRSP contributions. In today’s environment, homeowners are carrying mortgages with rates around 3%, which might make it more tempting to invest in equities to earn better returns. A good rule for couples in this type of situation is to consider the size of their mortgage: If it’s moderate, invest your disposable income in RRSPs; but if it’s a really big mortgage, focus on home payments. Still not sure what to do? A good compromise is to make a lump-sum contribution to your RRSP close to tax time and then use the refund to a make a prepayment on your mortgage.</p>\n<p>Whatever Kori and Tyler decide to do, says Annie Kvick, a fee-for-service only planner with Money Coaches Canada in North Vancouver, the most important piece of advice they need to heed is “live within your means. Your 40s are a very tough stage in life because there are so many conflicting expenses and goals.”</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\" >The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145796\" >RRSPs in your 20s: Focus on fees »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145806\" >RRSPs in your 40s: The asset allocation question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-30s/\">The RRSP guide for investors in their 30s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 30s','<p>Putting off retirement savings to pay for everything else is a mistake</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-investors-in-their-30s/\">The RRSP guide for investors in their 30s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','278-revision-v1','','','2016-02-04 10:00:20','2016-02-04 15:00:20','',278,'http://feedwordpress.radgeek.com/?rev=5fc40a06403d6b1254a77f92a207b591',0,'revision','',0),(280,1,'2016-02-04 10:00:12','2016-02-04 15:00:12','<h3>Focus on fees</h3>\n<div id=\"attachment_145868\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145868\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-20s.jpg\" alt=\"Erin Richard wonders if she’s better off buying mutual funds through the bank or a robo-advisor. For her, it’s a question of deciding between access to better service versus lower-cost funds.\" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Erin Richard wonders if she’s better off buying mutual funds through the bank or a robo-advisor. For her, it’s a question of deciding between access to better service versus lower-cost funds.</p></div>\n<p>Shortly after Erin Richard’s boyfriend got down on one knee and popped the big question last November, the public relations professional and her fiancé wisely had a frank discussion about money. But it wasn’t the typical talk that most twenty-somethings have, which usually revolves around whether or not to open a joint account, or how much one partner spends versus the other. Instead, the Toronto couple debated where they want to put their retirement savings: with a bank, or with one of Canada’s recently launched robo-advisors. The new automated digital advice services allow you to build a low-fee exchange-traded fund (ETF) portfolio, based on your risk tolerance and time horizon, through your computer screen.</p>\n<p>At the moment, Erin, 29, has about $25,000 worth of GICs in an RRSP at her bank. But her soon-to-be hubby has all of his money with Wealthsimple, a Toronto-based robo-advisor, and he wants her to do the same. He argues he’s getting better returns than what he could get at the bank, in part because he pays a fraction of the fees that a traditional financial institution would charge.</p>\n<p>While all of that sounds appealing, Erin’s not entirely sure if she should bet her retirement savings using early-stage technology. There’s something about a bank—the security, the trustworthiness, the access to its financial advisors—that’s reassuring to her. “It’s a point of contention between my partner and me,” Erin says. “But I don’t know enough about robo-advisors.”</p>\n<h3>What the experts say</h3>\n<p>On the surface, Erin’s issue seems like a choice between one firm over another based on the idea that she’ll receive more reliable service by purchasing mutual funds at one of the big banks. But that’s rarely the case, according to Jason Heath, an advice only, fee-for-service financial planner with Objective Financial Partners in Markham, Ont. Why? More often than not, these large firms do a poor job of servicing this age group, he says.</p>\n<p>At the Big Five, Heath explains, young investors typically only get access to the most expensive and worst performing mutual funds. Because they don’t have enough money to get the fee reductions that higher net-worth individuals get, he says, most are just slotted into a balanced fund that may or may not perform up to the standards of more sophisticated investors. The robo-advisor, on the other hand, “provides a really low-cost and lean investment alternative, and that’s great for young people.”</p>\n<p>For investors in their 20s, Heath says, the reality is that the performance of one fund over another is less important than what they’re paying in fees. Consider the cost of buying mutual funds in Canada, which, on average, come with a 2.5% management expense ratio (MER). By comparison, most robo-advisors charge a 0.5% fee, plus a much smaller MER on the actual fund. (For instance, the MER on the ETFs that Wealthsimple uses adds an additional 0.2% to their fee.)</p>\n<p>Since compounding interest is the number one reason why advisors recommend saving for retirement early, the more money one can have compounding in an RRSP the better, says Heath. “The main thing about robo-advisors is not that they’re going to outperform other types of investments,” he says, explaining that these firms’ portfolios of ETFs generally match or track the components of a market index. “It’s the fees. Saving up to 2% is a big deal in today’s low interest rate environment.”</p>\n<p>The other advantage to a robo-advisor is that it makes it extremely easy to save. While banks offer some of the same investing tools as robo-advisors—like automatic withdrawals and regular rebalancing—robo-advisors tend to have user interfaces which are more intuitive to young tech-savvy Canadians. With a press of a button, money can easily be moved into an RRSP. “That’s the really interesting opportunity for people in their 20s,” says Vickie Campbell, an advisor with Ottawa-based financial planning firm Ryan Lamontagne Inc. “It gets easier to be invested in the market and you get a good allocation.”</p>\n<p>The downside of a robo-advisor is that it doesn’t offer financial planning advice. That may be an issue for some, but twenty-somethings don’t typically get good advice anyway, says Heath. Any fee-for-service planner will be too expensive for this cohort—most young adults can’t afford his fee (a $2,000 flat rate), Heath admits—and the fresh-out-of-school bank advisors who don’t have any experience aren’t much help either. Still, Heath thinks that robo-advisors will start offering advice at some point soon. “Hopefully that will bring more planning to the masses,” he says. “Even at the expense of guys like me.”</p>\n<p>Whether you’re using a robo-advisor or traditional banking services, though, just be sure to remember that retirement is typically not the only savings goal young people have. Many will want to start saving money for a house or a car, and in that case a TFSA with assets in more conservative investments may be the better option over an RRSP, says Heath. So think of RRSPs more as long-term investments, but keep money for more immediate needs in a TFSA where it can grow tax-free but can also be removed without any tax hit. (Remember, RRSP withdrawals are almost always taxable income.)</p>\n<p>Keep in mind, too, that if saving isn’t even on your radar right now, that’s OK. In your 20s, paying the rent and keeping up with your bills will likely eat up a lot of your income. There’s still plenty of decades ahead to focus on savings when your paycheques start getting a bit bigger. At the very least, just be sure you’re keeping on top of debt.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\">The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145800\" >RRSPs in your 30s: Priority planning »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145806\" >RRSPs in your 40s: The asset allocation question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-savvy-investors-in-your-20s/\">The RRSP guide for investors in their 20s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 20s','<p>Avoiding expensive fees is a top concern at this stage in life </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-savvy-investors-in-your-20s/\">The RRSP guide for investors in their 20s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','the-rrsp-guide-for-investors-in-their-20s','','','2016-02-07 09:42:18','2016-02-07 14:42:18','',0,'http://www.moneysense.ca/?p=145796',0,'post','',0),(281,1,'2016-02-04 10:00:12','2016-02-04 15:00:12','<h3>Focus on fees</h3>\n<div id=\"attachment_145868\" style=\"width: 410px\" class=\"wp-caption alignright\"><img class=\"size-full wp-image-145868\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/RRSP-20s.jpg\" alt=\"Erin Richard wonders if she’s better off buying mutual funds through the bank or a robo-advisor. For her, it’s a question of deciding between access to better service versus lower-cost funds.\" width=\"400\" height=\"800\" /><p class=\"wp-caption-text\">Erin Richard wonders if she’s better off buying mutual funds through the bank or a robo-advisor. For her, it’s a question of deciding between access to better service versus lower-cost funds.</p></div>\n<p>Shortly after Erin Richard’s boyfriend got down on one knee and popped the big question last November, the public relations professional and her fiancé wisely had a frank discussion about money. But it wasn’t the typical talk that most twenty-somethings have, which usually revolves around whether or not to open a joint account, or how much one partner spends versus the other. Instead, the Toronto couple debated where they want to put their retirement savings: with a bank, or with one of Canada’s recently launched robo-advisors. The new automated digital advice services allow you to build a low-fee exchange-traded fund (ETF) portfolio, based on your risk tolerance and time horizon, through your computer screen.</p>\n<p>At the moment, Erin, 29, has about $25,000 worth of GICs in an RRSP at her bank. But her soon-to-be hubby has all of his money with Wealthsimple, a Toronto-based robo-advisor, and he wants her to do the same. He argues he’s getting better returns than what he could get at the bank, in part because he pays a fraction of the fees that a traditional financial institution would charge.</p>\n<p>While all of that sounds appealing, Erin’s not entirely sure if she should bet her retirement savings using early-stage technology. There’s something about a bank—the security, the trustworthiness, the access to its financial advisors—that’s reassuring to her. “It’s a point of contention between my partner and me,” Erin says. “But I don’t know enough about robo-advisors.”</p>\n<h3>What the experts say</h3>\n<p>On the surface, Erin’s issue seems like a choice between one firm over another based on the idea that she’ll receive more reliable service by purchasing mutual funds at one of the big banks. But that’s rarely the case, according to Jason Heath, an advice only, fee-for-service financial planner with Objective Financial Partners in Markham, Ont. Why? More often than not, these large firms do a poor job of servicing this age group, he says.</p>\n<p>At the Big Five, Heath explains, young investors typically only get access to the most expensive and worst performing mutual funds. Because they don’t have enough money to get the fee reductions that higher net-worth individuals get, he says, most are just slotted into a balanced fund that may or may not perform up to the standards of more sophisticated investors. The robo-advisor, on the other hand, “provides a really low-cost and lean investment alternative, and that’s great for young people.”</p>\n<p>For investors in their 20s, Heath says, the reality is that the performance of one fund over another is less important than what they’re paying in fees. Consider the cost of buying mutual funds in Canada, which, on average, come with a 2.5% management expense ratio (MER). By comparison, most robo-advisors charge a 0.5% fee, plus a much smaller MER on the actual fund. (For instance, the MER on the ETFs that Wealthsimple uses adds an additional 0.2% to their fee.)</p>\n<p>Since compounding interest is the number one reason why advisors recommend saving for retirement early, the more money one can have compounding in an RRSP the better, says Heath. “The main thing about robo-advisors is not that they’re going to outperform other types of investments,” he says, explaining that these firms’ portfolios of ETFs generally match or track the components of a market index. “It’s the fees. Saving up to 2% is a big deal in today’s low interest rate environment.”</p>\n<p>The other advantage to a robo-advisor is that it makes it extremely easy to save. While banks offer some of the same investing tools as robo-advisors—like automatic withdrawals and regular rebalancing—robo-advisors tend to have user interfaces which are more intuitive to young tech-savvy Canadians. With a press of a button, money can easily be moved into an RRSP. “That’s the really interesting opportunity for people in their 20s,” says Vickie Campbell, an advisor with Ottawa-based financial planning firm Ryan Lamontagne Inc. “It gets easier to be invested in the market and you get a good allocation.”</p>\n<p>The downside of a robo-advisor is that it doesn’t offer financial planning advice. That may be an issue for some, but twenty-somethings don’t typically get good advice anyway, says Heath. Any fee-for-service planner will be too expensive for this cohort—most young adults can’t afford his fee (a $2,000 flat rate), Heath admits—and the fresh-out-of-school bank advisors who don’t have any experience aren’t much help either. Still, Heath thinks that robo-advisors will start offering advice at some point soon. “Hopefully that will bring more planning to the masses,” he says. “Even at the expense of guys like me.”</p>\n<p>Whether you’re using a robo-advisor or traditional banking services, though, just be sure to remember that retirement is typically not the only savings goal young people have. Many will want to start saving money for a house or a car, and in that case a TFSA with assets in more conservative investments may be the better option over an RRSP, says Heath. So think of RRSPs more as long-term investments, but keep money for more immediate needs in a TFSA where it can grow tax-free but can also be removed without any tax hit. (Remember, RRSP withdrawals are almost always taxable income.)</p>\n<p>Keep in mind, too, that if saving isn’t even on your radar right now, that’s OK. In your 20s, paying the rent and keeping up with your bills will likely eat up a lot of your income. There’s still plenty of decades ahead to focus on savings when your paycheques start getting a bit bigger. At the very least, just be sure you’re keeping on top of debt.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145712\">The RRSP guide for savvy investors »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145800\" >RRSPs in your 30s: Priority planning »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145806\" >RRSPs in your 40s: The asset allocation question »</a></p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #93c748; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"http://www.moneysense.ca/?p=145810\" >RRSPs in your 50s/60s: The consolidation consortium »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-savvy-investors-in-your-20s/\">The RRSP guide for investors in their 20s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The RRSP guide for investors in their 20s','<p>Avoiding expensive fees is a top concern at this stage in life </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/the-rrsp-guide-for-savvy-investors-in-your-20s/\">The RRSP guide for investors in their 20s</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','280-revision-v1','','','2016-02-04 10:00:12','2016-02-04 15:00:12','',280,'http://feedwordpress.radgeek.com/?rev=97f435d65b2a57a3ec62c0dc6f7f6368',0,'revision','',0),(282,1,'2016-02-03 11:54:47','2016-02-03 16:54:47','','5 things to know about your RRSP before the deadline','','inherit','closed','closed','','240-revision-v1','','','2016-02-03 11:54:47','2016-02-03 16:54:47','',240,'http://feedwordpress.radgeek.com/?rev=72302a3d05bce36d2afcf3ad16ed6c19',0,'revision','',0),(283,1,'2016-02-03 11:31:06','2016-02-03 16:31:06','','Is an Otterbox phone case worth the cost?','','inherit','closed','closed','','244-revision-v1','','','2016-02-03 11:31:06','2016-02-03 16:31:06','',244,'http://feedwordpress.radgeek.com/?rev=40f46726f4a776622d97074e614254ab',0,'revision','',0),(284,1,'2016-02-03 10:35:10','2016-02-03 15:35:10','','Why a simple portfolio is still a hard sell','','inherit','closed','closed','','248-revision-v1','','','2016-02-03 10:35:10','2016-02-03 15:35:10','',248,'http://feedwordpress.radgeek.com/?rev=73cec36d00dedbd1a0535d8fc5e2d571',0,'revision','',0),(285,1,'2016-02-03 09:49:59','2016-02-03 14:49:59','','Can you lose all your money in a TFSA?','','inherit','closed','closed','','252-revision-v1','','','2016-02-03 09:49:59','2016-02-03 14:49:59','',252,'http://feedwordpress.radgeek.com/?rev=10f9274d943f92f82ca7ed2115c5a6f2',0,'revision','',0),(286,1,'2016-02-03 04:47:47','2016-02-03 09:47:47','','Are you covered by health insurance in Canada?','','inherit','closed','closed','','255-revision-v1','','','2016-02-03 04:47:47','2016-02-03 09:47:47','',255,'http://feedwordpress.radgeek.com/?rev=346daa24f4e0df49b959871b2be4d1ed',0,'revision','',0),(287,1,'2016-02-05 06:05:01','2016-02-05 11:05:01','','A CPA and a CFP on tax deductions and home renovation','','fwpzapped','closed','closed','','','','','2016-02-05 06:05:01','2016-02-05 11:05:01','',0,'http://www.moneysense.ca/?p=145202',0,'post','',0),(288,1,'2016-02-05 06:05:01','2016-02-05 11:05:01','','A CPA and a CFP on tax deductions and home renovation','','inherit','closed','closed','','287-revision-v1','','','2016-02-05 06:05:01','2016-02-05 11:05:01','',287,'http://feedwordpress.radgeek.com/?rev=db2debe302b011a2547af232fff84f50',0,'revision','',0),(289,1,'2016-02-04 15:58:46','2016-02-04 20:58:46','Services like Kijiji and Craigslist are widely used by Canadians to buy and sell online. But if you’re tired of the clunky user interface or afraid of buying a second-hand mattress from an anonymous creep, there are alternatives. Take VarageSale. It’s a Canadian startup that allows users to sign in using Facebook and buy and sell goods within their own communities, free of cost.\r\n\r\nThe biggest difference with VarageSale? The communities’ users are regulated by an admin, usually someone who lives in the neighbourhood and is active on the service. And unlike Kijiji or Craigslist, VarageSale allows you to sign into the service using Facebook, thereby verifying a user’s identity and adding a level of comfort and safety.\r\n\r\nIt’s friendlier, too. Buyers and sellers on VarageSale can leave “praises” after successful transactions, much like how renters rate hosts on Airbnb and pas- sengers rate drivers on Uber. (Gold med- als appear next to the names of trust- worthy top members.) To its benefit, VarageSale resembles a social media site and even has a newsfeed populated with the latest neighbourhood listings. It also has a great user interface compared to its competitors. The downside? If you want to reach a bigger audience of buyers, VarageSale is not for you—Craigslist and Kijiji attract more traffic, even though you’ll need more back and forth to find the best buyer.\r\n\r\nOur verdict: VarageSale is easier to use and a safer experience than the larger online selling sites. Give it a try.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\" rel=\"nofollow\">How does VarageSale compare to Kijiji?</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','How does VarageSale compare to Kijiji?','<p>Say goodbye to clunky user interfaces and anonymous creeps</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','how-does-varagesale-compare-to-kijiji','','','2016-03-17 18:06:46','2016-03-17 22:06:46','',0,'http://www.moneysense.ca/?p=146154',0,'post','',0),(290,1,'2016-02-04 15:58:46','2016-02-04 20:58:46','<p>Services like Kijiji and Craigslist are widely used by Canadians to buy and sell online. But if you’re tired of the clunky user interface or afraid of buying a second-hand mattress from an anonymous creep, there are alternatives. Take VarageSale. It’s a Canadian startup that allows users to sign in using Facebook and buy and sell goods within their own communities, free of cost.</p>\n<p>The biggest difference with VarageSale? The communities’ users are regulated by an admin, usually someone who lives in the neighbourhood and is active on the service. And unlike Kijiji or Craigslist, VarageSale allows you to sign into the service using Facebook, thereby verifying a user’s identity and adding a level of comfort and safety.</p>\n<p>It’s friendlier, too. Buyers and sellers on VarageSale can leave “praises” after successful transactions, much like how renters rate hosts on Airbnb and pas- sengers rate drivers on Uber. (Gold med- als appear next to the names of trust- worthy top members.) To its benefit, VarageSale resembles a social media site and even has a newsfeed populated with the latest neighbourhood listings. It also has a great user interface compared to its competitors. The downside? If you want to reach a bigger audience of buyers, VarageSale is not for you—Craigslist and Kijiji attract more traffic, even though you’ll need more back and forth to find the best buyer.</p>\n<p>Our verdict: VarageSale is easier to use and a safer experience than the larger online selling sites. Give it a try.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','How does VarageSale compare to Kijiji?','<p>Say goodbye to clunky user interfaces and anonymous creeps</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','289-revision-v1','','','2016-02-04 15:58:46','2016-02-04 20:58:46','',289,'http://feedwordpress.radgeek.com/?rev=5de383dc950ba749b42aceef0d15e466',0,'revision','',0),(291,1,'2016-02-04 15:29:08','2016-02-04 20:29:08','<img class=\"size-medium wp-image-582 aligncenter\" src=\"http://www.l2ocredit.com/wp-content/uploads/2016/02/Estate-Jewelry-Finance-300x175.jpg\" alt=\"Estate-Jewelry-Finance\" width=\"300\" height=\"175\" />\r\n\r\nOTTAWA – Anne Wallner carefully removes a platinum-and-diamond clip made by Cartier from a cabinet in her jewellery store.\r\n\r\nOften worn in pairs, she only has one of the handmade, mid-century pieces for sale.\r\n\r\nWith more than seven carats of diamonds, including a 1.25-carat centre stone, the price tag is $28,000.\r\n\r\n“A comparable piece new would be more in the neighbourhood of $50,000,” says Wallner, the owner of Alyea’s Jewellers in Ottawa.\r\n\r\nThat’s the appeal of shopping for estate jewellery.\r\n\r\n“Estate jewellery is generally priced 40, 50, even 60 per cent lower than a comparable new piece,” she says.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/style/rework-old-jewellery-to-make-stylish-pieces-for-less/\">Rework old jewellery to make stylish pieces for less » </a>\r\n\r\nBut it can offer more for those seeking a distinctive bauble as Valentine’s Day approaches.\r\n\r\nCollectors looking for authentic period pieces hunt estate sales, and those looking to minimize their environmental footprint may also want to take a look.\r\n\r\n“Certainly today the fact that this is, in a sense recycled goods, so has very low environmental impact, is very appealing, particularly to younger people,” Wallner says.\r\n\r\nEstate jewellery is jewellery that has been owned by someone else previously.\r\n\r\nIt may be just a few years old or could be an antique piece that’s more than 100 years old with a fascinating provenance.\r\n\r\nWhen examining a piece of estate jewellery, it’s important to consider the quality of the materials including the metals, the gemstones and workmanship. You should be sure that the clasps work, the gems aren’t wiggling and that the claws holding them in position are in good condition.\r\n\r\n“Those claws that are holding the stones in place will actually wear down and then stones can become loose, so you want to make sure that the stones aren’t loose,” says Lee Rock, a gemologist, certified diamond grader and registered master valuer.\r\n\r\nRock, who also teaches diamond grading and jewellery appraisal at George Brown College in Toronto, says if it’s an antique piece, potential buyers need to know the circa date, when it was produced and find out if it comes with its original box.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/sweetheart-deals-for-valentines-day/\">Sweetheart deals » </a>\r\n\r\n“The value almost doubles on antique jewellery if it comes with the original box,” she says.\r\n\r\nHallmarks stamped on a piece will show the type of gold or silver used, while a trademark will show the manufacturer, but not every piece will have them. Diamonds may be laser-inscribed with a traceable identification number.\r\n\r\nRock says jewellery made in Canada could include both a hallmark and a trademark, or neither.\r\n\r\n“Both are legal,” she said, noting that small independent jewellers may not have a registered trademark.\r\n\r\nDonna Hawrelko, president of the Canadian Gemmological Association and a gemology instructor at Vancouver Community College, advises people to ask the shop if you can have the piece appraised independently.\r\n\r\n“If it does not appraise out at what the store is selling it for or more, then you want the option to bring it back,” she said.\r\n\r\nIf the store doesn’t agree to allow you to have the item appraised before you buy it or to return the piece after purchasing it, Hawrelko says to consider bringing an appraiser to the store with you if it’s something you still want to buy “especially if you’re spending thousands of dollars on a piece,” Hawrelko said.\r\n\r\n“It is worth your while to spend maybe $100 or $150 to have an appraiser come in and make sure it is what it says,” she said.\r\n\r\nShopping for estate jewellery means that choices might be limited by more than just the amount of money potential buyers want to spend.\r\n\r\nFinding the right piece that fits your taste — or that of your Valentine — might be more difficult. But with a little luck and patience, it’s possible to find a beautiful piece with the added bonus of a history.\r\n\r\nHawrelko owns a combination of estate and contemporary pieces of jewellery, but she says she prefers the estate items.\r\n\r\n“I’m personally an art deco fan, so I like the designs of the period,” she said. “That kind of jewellery appeals to me, so I love when I see those kinds of pieces.”\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\" rel=\"nofollow\">Shopping for Valentine’s Day? Try estate jewellery</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Shopping for Valentine’s Day? Try estate jewellery','<p>It\'s priced 60% lower than comparable pieces </p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\">Shopping for Valentine&rsquo;s Day? Try estate jewellery</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','shopping-for-valentines-day-try-estate-jewellery','','','2016-03-17 18:15:25','2016-03-17 22:15:25','',0,'http://www.moneysense.ca/?p=146128',0,'post','',0),(292,1,'2016-02-04 15:29:08','2016-02-04 20:29:08','<p>OTTAWA – Anne Wallner carefully removes a platinum-and-diamond clip made by Cartier from a cabinet in her jewellery store.</p>\n<p>Often worn in pairs, she only has one of the handmade, mid-century pieces for sale.</p>\n<p>With more than seven carats of diamonds, including a 1.25-carat centre stone, the price tag is $28,000.</p>\n<p>“A comparable piece new would be more in the neighbourhood of $50,000,” says Wallner, the owner of Alyea’s Jewellers in Ottawa.</p>\n<p>That’s the appeal of shopping for estate jewellery.</p>\n<p>“Estate jewellery is generally priced 40, 50, even 60 per cent lower than a comparable new piece,” she says.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/style/rework-old-jewellery-to-make-stylish-pieces-for-less/\">Rework old jewellery to make stylish pieces for less » </a></p>\n<p>But it can offer more for those seeking a distinctive bauble as Valentine’s Day approaches.</p>\n<p>Collectors looking for authentic period pieces hunt estate sales, and those looking to minimize their environmental footprint may also want to take a look.</p>\n<p>“Certainly today the fact that this is, in a sense recycled goods, so has very low environmental impact, is very appealing, particularly to younger people,” Wallner says.</p>\n<p>Estate jewellery is jewellery that has been owned by someone else previously.</p>\n<p>It may be just a few years old or could be an antique piece that’s more than 100 years old with a fascinating provenance.</p>\n<p>When examining a piece of estate jewellery, it’s important to consider the quality of the materials including the metals, the gemstones and workmanship. You should be sure that the clasps work, the gems aren’t wiggling and that the claws holding them in position are in good condition.</p>\n<p>“Those claws that are holding the stones in place will actually wear down and then stones can become loose, so you want to make sure that the stones aren’t loose,” says Lee Rock, a gemologist, certified diamond grader and registered master valuer.</p>\n<p>Rock, who also teaches diamond grading and jewellery appraisal at George Brown College in Toronto, says if it’s an antique piece, potential buyers need to know the circa date, when it was produced and find out if it comes with its original box.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/sweetheart-deals-for-valentines-day/\">Sweetheart deals » </a></p>\n<p>“The value almost doubles on antique jewellery if it comes with the original box,” she says.</p>\n<p>Hallmarks stamped on a piece will show the type of gold or silver used, while a trademark will show the manufacturer, but not every piece will have them. Diamonds may be laser-inscribed with a traceable identification number.</p>\n<p>Rock says jewellery made in Canada could include both a hallmark and a trademark, or neither.</p>\n<p>“Both are legal,” she said, noting that small independent jewellers may not have a registered trademark.</p>\n<p>Donna Hawrelko, president of the Canadian Gemmological Association and a gemology instructor at Vancouver Community College, advises people to ask the shop if you can have the piece appraised independently.</p>\n<p>“If it does not appraise out at what the store is selling it for or more, then you want the option to bring it back,” she said.</p>\n<p>If the store doesn’t agree to allow you to have the item appraised before you buy it or to return the piece after purchasing it, Hawrelko says to consider bringing an appraiser to the store with you if it’s something you still want to buy “especially if you’re spending thousands of dollars on a piece,” Hawrelko said.</p>\n<p>“It is worth your while to spend maybe $100 or $150 to have an appraiser come in and make sure it is what it says,” she said.</p>\n<p>Shopping for estate jewellery means that choices might be limited by more than just the amount of money potential buyers want to spend.</p>\n<p>Finding the right piece that fits your taste — or that of your Valentine — might be more difficult. But with a little luck and patience, it’s possible to find a beautiful piece with the added bonus of a history.</p>\n<p>Hawrelko owns a combination of estate and contemporary pieces of jewellery, but she says she prefers the estate items.</p>\n<p>“I’m personally an art deco fan, so I like the designs of the period,” she said. “That kind of jewellery appeals to me, so I love when I see those kinds of pieces.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\">Shopping for Valentine&#8217;s Day? Try estate jewellery</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Shopping for Valentine’s Day? Try estate jewellery','<p>It\'s priced 60% lower than comparable pieces </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/shopping-for-valentines-day-try-estate-jewellery/\">Shopping for Valentine&rsquo;s Day? Try estate jewellery</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','291-revision-v1','','','2016-02-04 15:29:08','2016-02-04 20:29:08','',291,'http://feedwordpress.radgeek.com/?rev=562f7b2012b10ea0efe985f940f0cf62',0,'revision','',0),(293,1,'2016-02-04 05:17:17','2016-02-04 10:17:17','<img class=\"alignnone size-medium wp-image-584 aligncenter\" src=\"http://www.l2ocredit.com/wp-content/uploads/2016/02/Used-Car-Make-More-Money-300x175.jpg\" alt=\"Used-Car-Make-More-Money\" width=\"300\" height=\"175\" />\r\n\r\n“How can I get more money for my used vehicle?”\r\n\r\n—M.E.\r\n\r\nSelling your vehicle privately will almost always result in more money, especially if it’s a popular model that sells easily. A good rule when trying to obtain more for a used vehicle from a dealer is to stay with the same make. A franchised dealer with in-house parts and robust marketing support from the manufacturer for their brand will almost certainly offer more than a dealer selling a competing brand. If you are planning to buy a different make or not trading against another vehicle, you should go directly to the used car department of the dealership for an appraisal. That’s because the policy in some vehicle showrooms is to refuse to appraise your used car unless you commit to purchasing a new vehicle from the same dealership.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\" rel=\"nofollow\">Make more money when selling a used car</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Make more money when selling a used car','<p>The first tip? Sell privately</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','make-more-money-when-selling-a-used-car','','','2016-03-17 18:25:00','2016-03-17 22:25:00','',0,'http://www.moneysense.ca/?p=145760',0,'post','',0),(294,1,'2016-02-04 05:17:17','2016-02-04 10:17:17','<p>“How can I get more money for my used vehicle?”</p>\n<p>—Mark Ehmann, Bowmanville, Ont.</p>\n<p>Selling your vehicle privately will almost always result in more money, especially if it’s a popular model that sells easily. A good rule when trying to obtain more for a used vehicle from a dealer is to stay with the same make. A franchised dealer with in-house parts and robust marketing support from the manufacturer for their brand will almost certainly offer more than a dealer selling a competing brand. If you are planning to buy a different make or not trading against another vehicle, you should go directly to the used car department of the dealership for an appraisal. That’s because the policy in some vehicle showrooms is to refuse to appraise your used car unless you commit to purchasing a new vehicle from the same dealership.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20Iny\" >Ask Iny: Leave your question auto question for George Iny »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Make more money when selling a used car','<p>The first tip? Sell privately</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','293-revision-v1','','','2016-02-04 05:17:17','2016-02-04 10:17:17','',293,'http://feedwordpress.radgeek.com/?rev=a78b9fa64bd6844bb7fff2b2b9af5728',0,'revision','',0),(295,1,'2016-02-05 11:16:49','2016-02-05 16:16:49','OTTAWA – It’s an option for many people buying their first home, but when deciding whether to tap into RRSPs, investment advisers urge caution.\r\n\r\n“Whether or not it is a good idea to use the homebuyers withdrawal plan, I would say the answer is maybe,” says Kelly Gares, an adviser with BlueShore Financial in West Vancouver, B.C.\r\n\r\n“It does depend on your particular circumstances.”\r\n\r\nUnder the homebuyers’ plan, people can withdraw up to $25,000 from an RRSP to help buy or build a first home. They need to repay the amount to their RRSP and generally have up to 15 years to put the money back in their account.\r\n\r\nIn essence, people are borrowing money from themselves. And while they don’t have to pay themselves any interest on the money they take out, they are giving up any gains they might have made on the money had it remained invested in an RRSP.\r\n\r\nMortgage payments aren’t the only cost to buying a new home. There are maintenance costs, property taxes and utility bills. People need to be sure they’ll also be able to repay their withdrawal within the allowed time as well as continue saving for retirement.\r\n\r\nCrystal Wong, senior regional manager for financial planning at TD Wealth, says when saving for a first home, she would encourage people to use a regular savings account or a tax-free savings account instead.\r\n\r\nWith a TFSA, people don’t pay any tax on the investment gains in the account and they don’t need to repay the money they withdraw.\r\n\r\nHowever, Wong said if people find themselves short, they can consider going into their RRSPs.\r\n\r\n“The pro to that is that you’ve got the money that you’ve saved, so it is your funds,” she said. “The con would be that you kind of give up some of the potential growth that you have in the RRSP that actually funds your retirement.”\r\n\r\nGares says there are times when it does make sense to use retirement savings to help buy a home. He pointed to a situation where taking money from an RRSP might allow people to make a 20 per cent down payment and avoid the need for high-ratio mortgage insurance.\r\n\r\n“Avoiding those types of transactional costs, that is certainly a scenario where I think it is justifiable to use the homebuyers’ plan,” Gares said.\r\n\r\nHowever, he warned that if a person’s only real asset is in real estate and they don’t have any other savings or investments, they are not truly diversified.\r\n\r\n“That’s one thing I would caution against,” he said.\r\n\r\n“If you’re really utilizing all of your liquid assets for the purpose of making that purchase, then you might need to consider if that’s really an affordable expense for you.”\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\" rel=\"nofollow\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Think twice before tapping RRSP to buy a first home','<p>You\'re giving up gains you may have earned on the money</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','think-twice-before-tapping-rrsp-to-buy-a-first-home','','','2016-03-17 17:43:44','2016-03-17 21:43:44','',0,'http://www.moneysense.ca/?p=146242',0,'post','',0),(296,1,'2016-02-05 11:16:49','2016-02-05 16:16:49','<p>OTTAWA – It’s an option for many people buying their first home, but when deciding whether to tap into RRSPs, investment advisers urge caution.</p>\n<p>“Whether or not it is a good idea to use the homebuyers withdrawal plan, I would say the answer is maybe,” says Kelly Gares, an adviser with BlueShore Financial in West Vancouver, B.C.</p>\n<p>“It does depend on your particular circumstances.”</p>\n<p>Under the homebuyers’ plan, people can withdraw up to $25,000 from an RRSP to help buy or build a first home. They need to repay the amount to their RRSP and generally have up to 15 years to put the money back in their account.</p>\n<p>In essence, people are borrowing money from themselves. And while they don’t have to pay themselves any interest on the money they take out, they are giving up any gains they might have made on the money had it remained invested in an RRSP.</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/rrsp/the-ultimate-rrsp-guide-for-savvy-investors/\">The RRSP guide for savvy investors » </a></p>\n<p>Mortgage payments aren’t the only cost to buying a new home. There are maintenance costs, property taxes and utility bills. People need to be sure they’ll also be able to repay their withdrawal within the allowed time as well as continue saving for retirement.</p>\n<p>Crystal Wong, senior regional manager for financial planning at TD Wealth, says when saving for a first home, she would encourage people to use a regular savings account or a tax-free savings account instead.</p>\n<p>With a TFSA, people don’t pay any tax on the investment gains in the account and they don’t need to repay the money they withdraw.</p>\n<p>However, Wong said if people find themselves short, they can consider going into their RRSPs.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/buying/repaying-withdrawals-under-the-home-buyers-plan/\">Repaying withdrawals under the Home Buyers’ Plan » </a></p>\n<p>“The pro to that is that you’ve got the money that you’ve saved, so it is your funds,” she said. “The con would be that you kind of give up some of the potential growth that you have in the RRSP that actually funds your retirement.”</p>\n<p>Gares says there are times when it does make sense to use retirement savings to help buy a home. He pointed to a situation where taking money from an RRSP might allow people to make a 20 per cent down payment and avoid the need for high-ratio mortgage insurance.</p>\n<p>“Avoiding those types of transactional costs, that is certainly a scenario where I think it is justifiable to use the homebuyers’ plan,” Gares said.</p>\n<p>However, he warned that if a person’s only real asset is in real estate and they don’t have any other savings or investments, they are not truly diversified.</p>\n<p>“That’s one thing I would caution against,” he said.</p>\n<p>“If you’re really utilizing all of your liquid assets for the purpose of making that purchase, then you might need to consider if that’s really an affordable expense for you.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Think twice before tapping RRSP to buy a first home','<p>You\'re giving up gains you may have earned on the money</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','295-revision-v1','','','2016-02-05 11:16:49','2016-02-05 16:16:49','',295,'http://feedwordpress.radgeek.com/?rev=84e1e83516d4a27591c0a5c15d1b27b1',0,'revision','',0),(297,1,'2016-02-05 11:16:49','2016-02-05 16:16:49','<p>OTTAWA – It’s an option for many people buying their first home, but when deciding whether to tap into RRSPs, investment advisers urge caution.</p>\n<p>“Whether or not it is a good idea to use the homebuyers withdrawal plan, I would say the answer is maybe,” says Kelly Gares, an adviser with BlueShore Financial in West Vancouver, B.C.</p>\n<p>“It does depend on your particular circumstances.”</p>\n<p>Under the homebuyers’ plan, people can withdraw up to $25,000 from an RRSP to help buy or build a first home. They need to repay the amount to their RRSP and generally have up to 15 years to put the money back in their account.</p>\n<p>In essence, people are borrowing money from themselves. And while they don’t have to pay themselves any interest on the money they take out, they are giving up any gains they might have made on the money had it remained invested in an RRSP.</p>\n<p><a href=\"http://www.moneysense.ca/save/investing/rrsp/the-ultimate-rrsp-guide-for-savvy-investors/\">The RRSP guide for savvy investors » </a></p>\n<p>Mortgage payments aren’t the only cost to buying a new home. There are maintenance costs, property taxes and utility bills. People need to be sure they’ll also be able to repay their withdrawal within the allowed time as well as continue saving for retirement.</p>\n<p>Crystal Wong, senior regional manager for financial planning at TD Wealth, says when saving for a first home, she would encourage people to use a regular savings account or a tax-free savings account instead.</p>\n<p>With a TFSA, people don’t pay any tax on the investment gains in the account and they don’t need to repay the money they withdraw.</p>\n<p>However, Wong said if people find themselves short, they can consider going into their RRSPs.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/buying/repaying-withdrawals-under-the-home-buyers-plan/\">Repaying withdrawals under the Home Buyers’ Plan » </a></p>\n<p>“The pro to that is that you’ve got the money that you’ve saved, so it is your funds,” she said. “The con would be that you kind of give up some of the potential growth that you have in the RRSP that actually funds your retirement.”</p>\n<p>Gares says there are times when it does make sense to use retirement savings to help buy a home. He pointed to a situation where taking money from an RRSP might allow people to make a 20 per cent down payment and avoid the need for high-ratio mortgage insurance.</p>\n<p>“Avoiding those types of transactional costs, that is certainly a scenario where I think it is justifiable to use the homebuyers’ plan,” Gares said.</p>\n<p>However, he warned that if a person’s only real asset is in real estate and they don’t have any other savings or investments, they are not truly diversified.</p>\n<p>“That’s one thing I would caution against,” he said.</p>\n<p>“If you’re really utilizing all of your liquid assets for the purpose of making that purchase, then you might need to consider if that’s really an affordable expense for you.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Think twice before tapping RRSP to buy a first home','<p>You\'re giving up gains you may have earned on the money</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','295-revision-v1','','','2016-02-05 11:16:49','2016-02-05 16:16:49','',295,'http://feedwordpress.radgeek.com/?rev=84e1e83516d4a27591c0a5c15d1b27b1',0,'revision','',0),(298,1,'2016-02-05 06:05:01','2016-02-05 11:05:01','','How to get tax deductions on a home renovation','','inherit','closed','closed','','287-revision-v1','','','2016-02-05 06:05:01','2016-02-05 11:05:01','',287,'http://feedwordpress.radgeek.com/?rev=518d8eb447f419ee467c041a936db51f',0,'revision','',0),(299,1,'2016-02-05 06:05:01','2016-02-05 11:05:01','','How to get tax deductions on a home renovation','','inherit','closed','closed','','287-revision-v1','','','2016-02-05 06:05:01','2016-02-05 11:05:01','',287,'http://feedwordpress.radgeek.com/?rev=518d8eb447f419ee467c041a936db51f',0,'revision','',0),(300,1,'2016-02-05 15:49:08','2016-02-05 20:49:08','','World Nutella Day: Which jar size should you buy?','','fwpzapped','closed','closed','','','','','2016-02-05 15:49:08','2016-02-05 20:49:08','',0,'http://www.moneysense.ca/?p=146266',0,'post','',0),(301,1,'2016-02-05 15:49:08','2016-02-05 20:49:08','','World Nutella Day: Which jar size should you buy?','','inherit','closed','closed','','300-revision-v1','','','2016-02-05 15:49:08','2016-02-05 20:49:08','',300,'http://feedwordpress.radgeek.com/?rev=2dc9529d1430fbac7e82d35a74479c10',0,'revision','',0),(302,1,'2016-02-05 15:49:08','2016-02-05 20:49:08','','World Nutella Day: Which jar size should you buy?','','inherit','closed','closed','','300-revision-v1','','','2016-02-05 15:49:08','2016-02-05 20:49:08','',300,'http://feedwordpress.radgeek.com/?rev=2dc9529d1430fbac7e82d35a74479c10',0,'revision','',0),(303,1,'2016-02-05 20:45:28','2016-02-06 01:45:28','','The 8 weirdest things you can bet on at Super Bowl 50','','fwpzapped','closed','closed','','','','','2016-02-05 20:45:28','2016-02-06 01:45:28','',0,'http://www.moneysense.ca/?p=146292',0,'post','',0),(304,1,'2016-02-05 20:45:28','2016-02-06 01:45:28','','The 8 weirdest things you can bet on at Super Bowl 50','','inherit','closed','closed','','303-revision-v1','','','2016-02-05 20:45:28','2016-02-06 01:45:28','',303,'http://feedwordpress.radgeek.com/?rev=ab8b96c3157b6ed07cf16fd0cbf6f9c3',0,'revision','',0),(306,1,'2016-03-17 18:22:21','2016-03-17 22:22:21','&nbsp;\n\n“How can I get more money for my used vehicle?”\n\n—M.E.\n\nSelling your vehicle privately will almost always result in more money, especially if it’s a popular model that sells easily. A good rule when trying to obtain more for a used vehicle from a dealer is to stay with the same make. A franchised dealer with in-house parts and robust marketing support from the manufacturer for their brand will almost certainly offer more than a dealer selling a competing brand. If you are planning to buy a different make or not trading against another vehicle, you should go directly to the used car department of the dealership for an appraisal. That’s because the policy in some vehicle showrooms is to refuse to appraise your used car unless you commit to purchasing a new vehicle from the same dealership.\n\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\" rel=\"nofollow\">Make more money when selling a used car</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Make more money when selling a used car','<p>The first tip? Sell privately</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','293-autosave-v1','','','2016-03-17 18:22:21','2016-03-17 22:22:21','',293,'http://www.presagemedia.com/l2o/2016/02/07/293-autosave-v1/',0,'revision','',0),(307,1,'2016-02-07 08:59:21','2016-02-07 13:59:21','“How can I get more money for my used vehicle?”\r\n\r\n—M.E.\r\n\r\nSelling your vehicle privately will almost always result in more money, especially if it’s a popular model that sells easily. A good rule when trying to obtain more for a used vehicle from a dealer is to stay with the same make. A franchised dealer with in-house parts and robust marketing support from the manufacturer for their brand will almost certainly offer more than a dealer selling a competing brand. If you are planning to buy a different make or not trading against another vehicle, you should go directly to the used car department of the dealership for an appraisal. That’s because the policy in some vehicle showrooms is to refuse to appraise your used car unless you commit to purchasing a new vehicle from the same dealership.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\" rel=\"nofollow\">Make more money when selling a used car</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Make more money when selling a used car','<p>The first tip? Sell privately</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/make-more-money-when-you-sell-a-used-car/\">Make more money when selling a used car</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','293-revision-v1','','','2016-02-07 08:59:21','2016-02-07 13:59:21','',293,'http://www.presagemedia.com/l2o/2016/02/07/293-revision-v1/',0,'revision','',0),(308,1,'2016-02-07 09:21:14','2016-02-07 14:21:14','&nbsp;\n\nWith a debt-to-income ratio of 163.3, Canadian households are now juggling record levels of debt. Spurred on by low interest rates and the cheapest mortgages in decades, Canadians are finding it easy to borrow money and add to their already-existing debt.\n\nEven with the current low interest rates, the Bank of Canada continues to warn Canadians against accumulating excessive debt. Housing sector imbalances, including debt, housing prices, and over-investment in properties, pose a serious internal threat to the Canadian economy. Despite a forecast of a bumpy economic ride, however, people have not shied away from adding to their debt. Indeed, last year Canadians added in excess of $80 billion of debt through mortgages, personal loans, and consumer credit cards.\n\nThe recent increase means the total debt carried by Canadians now tops $1.84 trillion, according to Statistics Canada. Almost two thirds—more than $1.1 trillion—is from mortgages; consumer debt, including credit cards, constitutes about $519 billion.\n\nEarlier the year, Prime Minister Stephen Harper himself address the rising debt levels, saying, “There are some people who are overexposed, so we encourage people to exercise caution in terms of their borrowing.” While he expressed confidence in the economy and the housing sector in particular over the long term, uncertainties can leave a person—especially one carrying large debts—vulnerable to sudden fluctuations.\n\nWith the U.S. subprime mortgage crisis still fresh in our minds, predictions of a recession hitting the Canadian economy persist. After conducting a personal study, Vikram Mansharamani, a lecturer in the Program on Ethics, Politics &amp; Economics at Yale University and a senior fellow at the Mossavar-Rahmani Center for Business and Government at the Harvard Kennedy School, painted a dark picture of where Canada is headed. “Canada is in the midst of an unprecedented housing boom that seems likely to bust… Canada is now among the most vulnerable large economies in the world.”\n\nNoting that the Canadian real estate market has not yet experienced a correction as happened in the U.S., Mansharamani believes such a correction is inevitable. With an estimate that housing prices are presently overvalued by as much as 30 percent, the Bank of Canada seems to agree.\n\nIf interest rates rise, as they are bound to do, CIBC economist Benjamin Tal expects many Canadians to go into bankruptcy due to increased debt payments. Tal explains, ”There’s simply enough people [living] at the margin that will feel the pain.”\n\nAdding to the concern is the state of oil production in Alberta. The Canadian economy, which has been largely been driven by the production of crude oil in the oil-rich oil sands, has slowed considerably as employment growth has stopped in the western province. With unemployment expected to rise there over the next few years, Alberta has ceased to be the Promised Land for Canadians looking for work.\n\nA recession, it appears, is heading our way. In fact, the Canadian economy has been shrinking in recent months and, if it continues throughout this quarter, Canada will officially be considered to be in a recession.\n\nWhile the number of people currently unable to pay their debts is low at 1.2 percent, that number has been rising slowly. To reduce risk and avoid potential calamity, then, Canadians should be taking steps to reduce their debt rather than increasing it, even if it requires sacrifice. Furthermore, cutting expenses and, if possible, increasing income would help Canadians make more than the minimum monthly payments, thereby accelerating the reduction (and eventual elimination) of their debt load.\n\nCanada’s economy emerged relatively healthy after the U.S. mortgage crisis of 2008, but a larger national crisis may be on the horizon. By starting now to reduce debt and restore financial health, however, Canadians can protect and position themselves for whatever lies ahead.','Canada’s Growing Debt Problem','With a debt-to-income ratio of 163.3, Canadian households are now juggling record levels of debt. Spurred on by low interest rates and the cheapest mortgages in decades, Canadians are finding it easy to borrow money and add to their already-existing...<br><a href=\"http://canadasmartmoney.com/2015/08/24/canadas-growing-debt-problem/\">Read more</a>','inherit','closed','closed','','198-autosave-v1','','','2016-02-07 09:21:14','2016-02-07 14:21:14','',198,'http://www.presagemedia.com/l2o/2016/02/07/198-autosave-v1/',0,'revision','',0),(309,1,'2016-02-07 09:28:06','2016-02-07 14:28:06','OTTAWA – It’s an option for many people buying their first home, but when deciding whether to tap into RRSPs, investment advisers urge caution.\r\n\r\n“Whether or not it is a good idea to use the homebuyers withdrawal plan, I would say the answer is maybe,” says Kelly Gares, an adviser with BlueShore Financial in West Vancouver, B.C.\r\n\r\n“It does depend on your particular circumstances.”\r\n\r\nUnder the homebuyers’ plan, people can withdraw up to $25,000 from an RRSP to help buy or build a first home. They need to repay the amount to their RRSP and generally have up to 15 years to put the money back in their account.\r\n\r\nIn essence, people are borrowing money from themselves. And while they don’t have to pay themselves any interest on the money they take out, they are giving up any gains they might have made on the money had it remained invested in an RRSP.\r\n\r\nMortgage payments aren’t the only cost to buying a new home. There are maintenance costs, property taxes and utility bills. People need to be sure they’ll also be able to repay their withdrawal within the allowed time as well as continue saving for retirement.\r\n\r\nCrystal Wong, senior regional manager for financial planning at TD Wealth, says when saving for a first home, she would encourage people to use a regular savings account or a tax-free savings account instead.\r\n\r\nWith a TFSA, people don’t pay any tax on the investment gains in the account and they don’t need to repay the money they withdraw.\r\n\r\nHowever, Wong said if people find themselves short, they can consider going into their RRSPs.\r\n\r\n“The pro to that is that you’ve got the money that you’ve saved, so it is your funds,” she said. “The con would be that you kind of give up some of the potential growth that you have in the RRSP that actually funds your retirement.”\r\n\r\nGares says there are times when it does make sense to use retirement savings to help buy a home. He pointed to a situation where taking money from an RRSP might allow people to make a 20 per cent down payment and avoid the need for high-ratio mortgage insurance.\r\n\r\n“Avoiding those types of transactional costs, that is certainly a scenario where I think it is justifiable to use the homebuyers’ plan,” Gares said.\r\n\r\nHowever, he warned that if a person’s only real asset is in real estate and they don’t have any other savings or investments, they are not truly diversified.\r\n\r\n“That’s one thing I would caution against,” he said.\r\n\r\n“If you’re really utilizing all of your liquid assets for the purpose of making that purchase, then you might need to consider if that’s really an affordable expense for you.”\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\" rel=\"nofollow\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Think twice before tapping RRSP to buy a first home','<p>You\'re giving up gains you may have earned on the money</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/think-twice-before-tapping-rrsp-to-buy-a-first-home/\">Think twice before tapping RRSP to buy a first home</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','295-revision-v1','','','2016-02-07 09:28:06','2016-02-07 14:28:06','',295,'http://www.presagemedia.com/l2o/2016/02/07/295-revision-v1/',0,'revision','',0),(310,1,'2016-02-07 09:39:59','2016-02-07 14:39:59','Services like Kijiji and Craigslist are widely used by Canadians to buy and sell online. But if you’re tired of the clunky user interface or afraid of buying a second-hand mattress from an anonymous creep, there are alternatives. Take VarageSale. It’s a Canadian startup that allows users to sign in using Facebook and buy and sell goods within their own communities, free of cost.\r\n\r\nThe biggest difference with VarageSale? The communities’ users are regulated by an admin, usually someone who lives in the neighbourhood and is active on the service. And unlike Kijiji or Craigslist, VarageSale allows you to sign into the service using Facebook, thereby verifying a user’s identity and adding a level of comfort and safety.\r\n\r\nIt’s friendlier, too. Buyers and sellers on VarageSale can leave “praises” after successful transactions, much like how renters rate hosts on Airbnb and pas- sengers rate drivers on Uber. (Gold med- als appear next to the names of trust- worthy top members.) To its benefit, VarageSale resembles a social media site and even has a newsfeed populated with the latest neighbourhood listings. It also has a great user interface compared to its competitors. The downside? If you want to reach a bigger audience of buyers, VarageSale is not for you—Craigslist and Kijiji attract more traffic, even though you’ll need more back and forth to find the best buyer.\r\n\r\nOur verdict: VarageSale is easier to use and a safer experience than the larger online selling sites. Give it a try.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\" rel=\"nofollow\">How does VarageSale compare to Kijiji?</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','How does VarageSale compare to Kijiji?','<p>Say goodbye to clunky user interfaces and anonymous creeps</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','289-revision-v1','','','2016-02-07 09:39:59','2016-02-07 14:39:59','',289,'http://www.presagemedia.com/l2o/2016/02/07/289-revision-v1/',0,'revision','',0),(311,1,'2016-02-05 20:45:28','2016-02-06 01:45:28','','The 8 weirdest things you can bet on at Super Bowl 50','','inherit','closed','closed','','303-revision-v1','','','2016-02-05 20:45:28','2016-02-06 01:45:28','',303,'http://feedwordpress.radgeek.com/?rev=dc133bea8a514733869e7e4991f527e3',0,'revision','',0),(312,1,'2016-02-08 06:00:24','2016-02-08 11:00:24','','Should this single mom rent or buy a Toronto condo?','','fwpzapped','closed','closed','','','','','2016-02-08 09:30:24','2016-02-08 14:30:24','',0,'http://www.moneysense.ca/?p=145248',0,'post','',0),(313,1,'2016-02-08 06:00:24','2016-02-08 11:00:24','','Should this single mom rent or buy a Toronto condo?','','inherit','closed','closed','','312-revision-v1','','','2016-02-08 06:00:24','2016-02-08 11:00:24','',312,'http://feedwordpress.radgeek.com/?rev=feed12aedb0cc54c695dc5d7b6256beb',0,'revision','',0),(314,1,'2016-02-08 09:30:24','2016-02-08 14:30:24','','Should this single mom rent or buy a Toronto condo?','','inherit','closed','closed','','312-revision-v1','','','2016-02-08 09:30:24','2016-02-08 14:30:24','',312,'http://feedwordpress.radgeek.com/?rev=aa120fc8aa53d1ef2625d5c461ee7d07',0,'revision','',0),(315,1,'2016-02-04 10:00:51','2016-02-04 15:00:51','','The savvy investor’s guide to RRSPs','','inherit','closed','closed','','272-revision-v1','','','2016-02-04 10:00:51','2016-02-04 15:00:51','',272,'http://feedwordpress.radgeek.com/?rev=8fe4f0c0c384bdddd59c0f1993bc02a4',0,'revision','',0),(316,1,'2016-02-08 14:09:13','2016-02-08 19:09:13','','BoC: Interest rate not the only tool for aiding economy','','fwpzapped','closed','closed','','','','','2016-02-08 14:09:13','2016-02-08 19:09:13','',0,'http://www.moneysense.ca/?p=146356',0,'post','',0),(317,1,'2016-02-08 14:09:13','2016-02-08 19:09:13','','BoC: Interest rate not the only tool for aiding economy','','inherit','closed','closed','','316-revision-v1','','','2016-02-08 14:09:13','2016-02-08 19:09:13','',316,'http://feedwordpress.radgeek.com/?rev=1db148ca270688c3827d05c493491330',0,'revision','',0),(318,1,'2016-02-09 09:00:16','2016-02-09 14:00:16','','How I learned to spend $1,000 a month on me','','fwpzapped','closed','closed','','','','','2016-02-09 09:00:16','2016-02-09 14:00:16','',0,'http://www.moneysense.ca/?p=145758',0,'post','',0),(319,1,'2016-02-09 09:00:16','2016-02-09 14:00:16','','How I learned to spend $1,000 a month on me','','inherit','closed','closed','','318-revision-v1','','','2016-02-09 09:00:16','2016-02-09 14:00:16','',318,'http://feedwordpress.radgeek.com/?rev=621c6ae27d95ad7826153049070b8479',0,'revision','',0),(320,1,'2016-02-09 10:57:35','2016-02-09 15:57:35','','Investors staying the course despite market volatility','','fwpzapped','closed','closed','','','','','2016-02-09 10:57:35','2016-02-09 15:57:35','',0,'http://www.moneysense.ca/?p=146416',0,'post','',0),(321,1,'2016-02-09 10:57:35','2016-02-09 15:57:35','','Investors staying the course despite market volatility','','inherit','closed','closed','','320-revision-v1','','','2016-02-09 10:57:35','2016-02-09 15:57:35','',320,'http://feedwordpress.radgeek.com/?rev=fe40379225796e7dbc37ca176ddc88bd',0,'revision','',0),(322,1,'2016-02-09 09:47:01','2016-02-09 14:47:01','<div id=\"attachment_103976\" class=\"wp-caption alignleft\" style=\"width: 310px;\"><img class=\"wp-image-103976 size-medium\" src=\"http://www.moneysense.ca/wp-content/uploads/2014/12/185250534-300x199.jpg\" alt=\"(malerapaso/Getty Images) \" width=\"300\" height=\"199\" />\r\n<p class=\"wp-caption-text\">(malerapaso/Getty Images)</p>\r\n\r\n</div>\r\nGreat news for consumers looking for a viable high-interest savings account alternative to those at the Big Five. Equitable Bank has launched EQ Bank, Canada’s first completely digital banking service, with an everyday interest savings rate of 3% and no fees or minimum balance requirements. In addition to the higher interest rate, which handily tops anything offered by the big banks, EQ Bank accounts also allow daily transactions, including bill payments and e-transfers.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\" rel=\"nofollow\">Digital banking service offers 3% interest savings</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Digital banking service offers 3% interest savings','<p>EQ Bank accounts also allow daily transactions, including bill payments and e-transfers</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\">Digital banking service offers 3% interest savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','digital-banking-service-offers-3-interest-savings','','','2016-02-13 15:39:26','2016-02-13 20:39:26','',0,'http://www.moneysense.ca/?p=145724',0,'post','',0),(323,1,'2016-02-09 09:47:01','2016-02-09 14:47:01','<div id=\"attachment_103976\" style=\"width: 310px\" class=\"wp-caption alignleft\"><img class=\"wp-image-103976 size-medium\" src=\"http://www.moneysense.ca/wp-content/uploads/2014/12/185250534-300x199.jpg\" alt=\"(malerapaso/Getty Images) \" width=\"300\" height=\"199\" /><p class=\"wp-caption-text\">(malerapaso/Getty Images)</p></div>\n<p>Great news for consumers looking for a viable high-interest savings account alternative to those at the Big Five. Equitable Bank has launched EQ Bank, Canada’s first completely digital banking service, with an everyday interest savings rate of 3% and no fees or minimum balance requirements. In addition to the higher interest rate, which handily tops anything offered by the big banks, EQ Bank accounts also allow daily transactions, including bill payments and e-transfers.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\">Digital banking service offers 3% interest savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Digital banking service offers 3% interest savings','<p>EQ Bank accounts also allow daily transactions, including bill payments and e-transfers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\">Digital banking service offers 3% interest savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','322-revision-v1','','','2016-02-09 09:47:01','2016-02-09 14:47:01','',322,'http://feedwordpress.radgeek.com/?rev=8ed13b045ede43d8a100f0cbbde23e43',0,'revision','',0),(324,1,'2016-02-09 09:00:16','2016-02-09 14:00:16','','How I learned to spend $1,000 a month on me','','inherit','closed','closed','','318-revision-v1','','','2016-02-09 09:00:16','2016-02-09 14:00:16','',318,'http://feedwordpress.radgeek.com/?rev=a97a4a9fce71646984892c539784e249',0,'revision','',0),(325,1,'2016-02-09 12:15:05','2016-02-09 17:15:05','','Recent real estate fraud sparks calls for change','','fwpzapped','closed','closed','','','','','2016-02-09 12:15:05','2016-02-09 17:15:05','',0,'http://www.moneysense.ca/?p=146404',0,'post','',0),(326,1,'2016-02-09 12:15:05','2016-02-09 17:15:05','','Recent real estate fraud sparks calls for change','','inherit','closed','closed','','325-revision-v1','','','2016-02-09 12:15:05','2016-02-09 17:15:05','',325,'http://feedwordpress.radgeek.com/?rev=f65a1a803da5049d9e7b29afc3716087',0,'revision','',0),(327,1,'2016-02-09 14:53:40','2016-02-09 19:53:40','','Using a TFSA to finance a rental property','','fwpzapped','closed','closed','','','','','2016-02-09 14:53:40','2016-02-09 19:53:40','',0,'http://www.moneysense.ca/?p=146428',0,'post','',0),(328,1,'2016-02-09 14:53:40','2016-02-09 19:53:40','','Using a TFSA to finance a rental property','','inherit','closed','closed','','327-revision-v1','','','2016-02-09 14:53:40','2016-02-09 19:53:40','',327,'http://feedwordpress.radgeek.com/?rev=2ddf4a3d839bb4afcab5272aa31f5d89',0,'revision','',0),(329,1,'2016-02-09 12:15:05','2016-02-09 17:15:05','','Recent real estate fraud sparks calls for change','','inherit','closed','closed','','325-revision-v1','','','2016-02-09 12:15:05','2016-02-09 17:15:05','',325,'http://feedwordpress.radgeek.com/?rev=f3220512620831a2367b7e2350ece675',0,'revision','',0),(330,1,'2016-02-09 09:00:16','2016-02-09 14:00:16','','How I learned to spend $1,000 a month on me','','inherit','closed','closed','','318-revision-v1','','','2016-02-09 09:00:16','2016-02-09 14:00:16','',318,'http://feedwordpress.radgeek.com/?rev=3f205711b1d93ec4253729d72c233830',0,'revision','',0),(331,1,'2016-02-09 09:00:16','2016-02-09 14:00:16','','How I learned to spend $1,000 a month on me','','inherit','closed','closed','','318-revision-v1','','','2016-02-09 09:00:16','2016-02-09 14:00:16','',318,'http://feedwordpress.radgeek.com/?rev=d9857a6342c80ad75275daf822a1b379',0,'revision','',0),(332,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','fwpzapped','closed','closed','','','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',0,'http://www.moneysense.ca/?p=137026',0,'post','',0),(333,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','fwpzapped','closed','closed','','','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',0,'http://www.moneysense.ca/?p=137026',0,'post','',0),(334,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','inherit','closed','closed','','332-revision-v1','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',332,'http://feedwordpress.radgeek.com/?rev=313ed5e17805e4fe3a893258e6a650b6',0,'revision','',0),(335,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','inherit','closed','closed','','333-revision-v1','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',333,'http://feedwordpress.radgeek.com/?rev=313ed5e17805e4fe3a893258e6a650b6',0,'revision','',0),(336,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','inherit','closed','closed','','333-revision-v1','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',333,'http://feedwordpress.radgeek.com/?rev=a278dffa17cefcb1c6e2e83b48b730a8',0,'revision','',0),(337,1,'2016-02-10 11:00:01','2016-02-10 16:00:01','','Go ahead. Raid your RRSP to buy a home','','fwpzapped','closed','closed','','','','','2016-02-10 11:00:01','2016-02-10 16:00:01','',0,'http://www.moneysense.ca/?p=145696',0,'post','',0),(338,1,'2016-02-10 11:00:01','2016-02-10 16:00:01','','Go ahead. Raid your RRSP to buy a home','','inherit','closed','closed','','337-revision-v1','','','2016-02-10 11:00:01','2016-02-10 16:00:01','',337,'http://feedwordpress.radgeek.com/?rev=9c864eefd3a83e03a4ccf02019f0be41',0,'revision','',0),(339,1,'2016-02-10 13:00:45','2016-02-10 18:00:45','','Should you worry about the volatile stock market?','','fwpzapped','closed','closed','','','','','2016-02-10 13:00:45','2016-02-10 18:00:45','',0,'http://www.moneysense.ca/?p=146542',0,'post','',0),(340,1,'2016-02-10 13:00:45','2016-02-10 18:00:45','','Should you worry about the volatile stock market?','','inherit','closed','closed','','339-revision-v1','','','2016-02-10 13:00:45','2016-02-10 18:00:45','',339,'http://feedwordpress.radgeek.com/?rev=d0e83ae8f8ba5ab10b579c317198b8e8',0,'revision','',0),(341,1,'2016-02-10 13:00:42','2016-02-10 18:00:42','','Tips for choosing a financial advisor','','fwpzapped','closed','closed','','','','','2016-02-10 13:00:42','2016-02-10 18:00:42','',0,'http://www.moneysense.ca/?p=146538',0,'post','',0),(342,1,'2016-02-10 13:00:42','2016-02-10 18:00:42','','Tips for choosing a financial advisor','','inherit','closed','closed','','341-revision-v1','','','2016-02-10 13:00:42','2016-02-10 18:00:42','',341,'http://feedwordpress.radgeek.com/?rev=8dbacb26ae99c12f784bac03b1666f99',0,'revision','',0),(343,1,'2016-02-10 11:45:44','2016-02-10 16:45:44','<div style=\"display: none;\"></div>\r\n<p>&nbsp;</p>\r\n\r\n<p><script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param 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value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\nbrightcove.createExperiences();\r\n// ]]></script></p>\r\n\r\n&nbsp;\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','ontario-offering-up-to-14k-to-electric-car-buyers','','','2016-03-19 23:57:03','2016-03-20 03:57:03','',0,'http://www.moneysense.ca/?p=146500',0,'post','',0),(344,1,'2016-02-10 11:45:44','2016-02-10 16:45:44','<meta itemprop=\"name\" content=\"Ontario offering up to $14K to electric car buyers\" />\n<meta itemprop=\"thumbnail\" content=\"http://www.moneysense.ca/wp-content/uploads/2016/02/electric-car_401-150x150.jpg\" />\n<meta itemprop=\"duration\" content=\"PTS\" />\n<meta itemprop=\"description\" content=\"Current incentives range from $5,000 to $8,500\" />\n\n<div style=\"display: none;\"></div>\n\n<script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n<script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\">\n    <param name=\"bgcolor\" value=\"#FFFFFF\" />\n    <param name=\"width\" value=\"640\" />\n    <param name=\"height\" value=\"360\" />\n    <param name=\"playerID\" value=\"2659807263001\" />\n    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n    <param name=\"isVid\" value=\"true\" />\n    <param name=\"isUI\" value=\"true\" />\n    <param name=\"dynamicStreaming\" value=\"true\" />\n    <param name=\"includeAPI\" value=\"true\" />\n    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n    <param name=\"@videoPlayer\" value=\"2025448020001\" />\n        <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />\n    <param name=\"autoStart\" value=\"false\" />\n    <param name=\"wmode\" value=\"transparent\" />\n</object>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p>TORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.</p>\n<p>Current incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a></p>\n<p>Drivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.</p>\n<p>But for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.</p>\n<p>This announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.</p>\n<p>There are currently about 5,800 electric vehicles in Ontario.</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-02-10 11:45:44','2016-02-10 16:45:44','',343,'http://feedwordpress.radgeek.com/?rev=0d90fb7cde70e956d843004fad2207e2',0,'revision','',0),(345,1,'2016-02-10 11:18:50','2016-02-10 16:18:50','<p class=\"p1\">For some, the appeal of charitable giving is that special feeling you get from contributing to a worthy cause (and, of course, the tax receipt never hurts). But some charities will even reciprocate your generosity, provided you don’t mind ponying up extra to join the ranks of their most select donors. Here are four Canadian institutions that reward their biggest supporters with discounts, freebies and exclusive privileges. Some are more expensive than others, but as they say, you gotta give to get.</p>\r\n<p class=\"p1\"><img class=\"aligncenter wp-image-146486 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/Screen-shot-2016-02-10-at-11.06.43-AM.png\" alt=\"Charities that pay you back\" width=\"568\" height=\"901\" /></p>\r\nThe post <a href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\" rel=\"nofollow\">Charities that pay you back</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Charities that pay you back','<p>These charities reward their biggest supporters with exclusive privileges</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\">Charities that pay you back</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','charities-that-pay-you-back','','','2016-02-13 15:52:32','2016-02-13 20:52:32','',0,'http://www.moneysense.ca/?p=145732',0,'post','',0),(346,1,'2016-02-10 11:18:50','2016-02-10 16:18:50','<p class=\"p1\">For some, the appeal of charitable giving is that special feeling you get from contributing to a worthy cause (and, of course, the tax receipt never hurts). But some charities will even reciprocate your generosity, provided you don’t mind ponying up extra to join the ranks of their most select donors. Here are four Canadian institutions that reward their biggest supporters with discounts, freebies and exclusive privileges. Some are more expensive than others, but as they say, you gotta give to get.</p>\n<p class=\"p1\"><img class=\"aligncenter wp-image-146486 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/Screen-shot-2016-02-10-at-11.06.43-AM.png\" alt=\"Charities that pay you back\" width=\"568\" height=\"901\" /></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\">Charities that pay you back</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Charities that pay you back','<p>These charities reward their biggest supporters with exclusive privileges</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\">Charities that pay you back</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','345-revision-v1','','','2016-02-10 11:18:50','2016-02-10 16:18:50','',345,'http://feedwordpress.radgeek.com/?rev=e17eb060dd2f64316122beb1602faf8c',0,'revision','',0),(347,1,'2016-02-10 11:00:01','2016-02-10 16:00:01','','Go ahead. Raid your RRSP to buy a home','','inherit','closed','closed','','337-revision-v1','','','2016-02-10 11:00:01','2016-02-10 16:00:01','',337,'http://feedwordpress.radgeek.com/?rev=fa0e1144d3f6e27aafd77cd7ff6a1341',0,'revision','',0),(348,1,'2016-02-10 06:00:55','2016-02-10 11:00:55','','Coming out of the dark','','inherit','closed','closed','','333-revision-v1','','','2016-02-10 06:00:55','2016-02-10 11:00:55','',333,'http://feedwordpress.radgeek.com/?rev=d62754fdd51e9192b68fa3b87b323528',0,'revision','',0),(349,1,'2016-02-11 12:43:47','2016-02-11 17:43:47','','Ontario unveils its plan for wine in grocery stores','','fwpzapped','closed','closed','','','','','2016-02-11 12:43:47','2016-02-11 17:43:47','',0,'http://www.moneysense.ca/?p=146676',0,'post','',0),(350,1,'2016-02-11 12:43:47','2016-02-11 17:43:47','','Ontario unveils its plan for wine in grocery stores','','inherit','closed','closed','','349-revision-v1','','','2016-02-11 12:43:47','2016-02-11 17:43:47','',349,'http://feedwordpress.radgeek.com/?rev=14296a85c99aaa8d533d41acb5f0d2e7',0,'revision','',0),(351,1,'2016-02-11 10:46:11','2016-02-11 15:46:11','Turns out, love does have a price—and it’s $61,821.60, according to the fourth annual Cost of Love study from <a href=\"https://www.ratesupermarket.ca/\">RateSupermarket.ca</a>.\r\n\r\nWhy $61,821.60? To come up with this rather precise number, the mortgage rate comparison site tallied up all the financial outlays associated with a one-year courtship period, one-year engagement and the average Canadian wedding. Baked into their calculations are various assumptions: Among other things, a prosperous and successful romance<em> must</em> include one beach vacation (with an average cost of $3,523), two weekend getaways (with an average cost of $625.75 ) and exactly 12 fancy dates (with an average cost of $277.54).\r\n\r\nWant an easy way to shave $9,092.21 to $10,889.42 off of this formidable expense? Skip your fancy plans for Valentine’s Day and invest that money in a tax-sheltered savings vehicle like a TFSA or RESP.\r\n\r\nKeep on reading, we’ll show you how it all works.\r\n<h3>Putting a price on romance</h3>\r\nRateSupermarket defines a “fancy” $277.54 date as the cost of a nice dinner and a pair of theatre tickets. Forgoing such a cost this Valentine’s Day (and for the next dozen years or more) would save you a hefty chunk of change. Now, if you were to invest that money in accounts that allow you to take advantage of tax-free, compound interest growth, well you’d really start building a lovely nest egg.\r\n<h3>Tax-free savings solutions</h3>\r\nFor instance, let’s say you’re expectant parents. Putting that $277.54 Valentine’s Day expense into a Registered Education Savings Plan (RESP) every year until your child turns 18 would give you a total balance of $10,889.42. Over that time period, your personal RESP contributions would add up to about $4,986, the Canada Education Savings Grant (CESG) the government chips in would account for $997.20, and your projected earnings (assuming a 6% rate of return) would be $4,906.22. (This scenario assumes net household income is $89,401 or more.)\r\n\r\nNot bad for skipping an overhyped evening associated with poor restaurant service thanks to subpar prix-fixe menus and increased head counts, right?\r\n\r\nBut what if you don’t have kids and have no use for an RESP? A Tax-Free Savings Account (TFSA) is another great tool that can make your investments work harder for you. Using the same savings timeline as the previous scenario (18 years), $277.54 invested annually into a TFSA would earn you $9,092.21 (assuming the same 6% rate of return). And, of course, the longer you do this, the better: $277.54 invested annually into a TFSA for 25 years, with a 6% interest rate, would grow to $16,140.72.\r\n<h3>The rising cost of love</h3>\r\nStill not convinced that you should do away with Valentine’s Day all together? This might influence you: The costs of coupledom are rapidly ascending. According to RateSupermarket, the cost of love has increased 22.8% from last year and a budget-busting 41% since the study’s 2013 debut.\r\n\r\nPenelope Graham, Editor at RateSupermarket, attributes these spikes to the increasing costs of travel and dining out, which have only been exacerbated by the diminished strength of our loonie.\r\n\r\nNow, just because I’m espousing you ignore all the overblown fanfare surrounding Feb. 14, please don’t think me some hard-hearted type. Imagine that you do opt to put that annual $277.84 Valentine’s Day expense into your TFSA for 25 years and grow it to more than $16,000. That’s going to provide one hell of a budget for you and your partner to jet off to some far-flung romantic destination for the trip of a lifetime. (I hear Paris is nice.)\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\" rel=\"nofollow\">Shave $9,092.21 off the cost of love</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Shave $9,092.21 off the cost of love','<p>The surprisingly lucrative case for being a Valentine\'s Day grinch</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','publish','closed','closed','','shave-9092-21-off-the-cost-of-love','','','2016-03-17 18:54:19','2016-03-17 22:54:19','',0,'http://www.moneysense.ca/?p=146526',0,'post','',0),(352,1,'2016-02-11 10:46:11','2016-02-11 15:46:11','<p>Turns out, love does have a price—and it&#8217;s $61,821.60, according to the fourth annual Cost of Love study from <a href=\"https://www.ratesupermarket.ca/\" >RateSupermarket.ca</a>.</p>\n<p>Why $61,821.60? To come up with this rather precise number, the mortgage rate comparison site tallied up all the financial outlays associated with a one-year courtship period, one-year engagement and the average Canadian wedding. Baked into their calculations are various assumptions: Among other things, a prosperous and successful romance<em> must</em> include one beach vacation (with an average cost of $3,523), two weekend getaways (with an average cost of $625.75 ) and exactly 12 fancy dates (with an average cost of $277.54).</p>\n<p>Want an easy way to shave $9,092.21 to $10,889.42 off of this formidable expense? Skip your fancy plans for Valentine&#8217;s Day and invest that money in a tax-sheltered savings vehicle like a TFSA or RESP.</p>\n<p>Keep on reading, we&#8217;ll show you how it all works.</p>\n<h3>Putting a price on romance</h3>\n<p>RateSupermarket defines a &#8220;fancy&#8221; $277.54 date as the cost of a nice dinner and a pair of theatre tickets. Forgoing such a cost this Valentine&#8217;s Day (and for the next dozen years or more) would save you a hefty chunk of change. Now, if you were to invest that money in accounts that allow you to take advantage of tax-free, compound interest growth, well you&#8217;d really start building a lovely nest egg.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/the-moneysense-guide-to-love-money/\" >How to stop fighting over money <span class=\"s1\">»</span></a></p>\n<h3>Tax-free savings solutions</h3>\n<p>For instance, let&#8217;s say you&#8217;re expectant parents. Putting that $277.54 Valentine&#8217;s Day expense into a Registered Education Savings Plan (RESP) every year until your child turns 18 would give you a total balance of $10,889.42. Over that time period, your personal RESP contributions would add up to about $4,986, the Canada Education Savings Grant (CESG) the government chips in would account for $997.20, and your projected earnings (assuming a 6% rate of return) would be $4,906.22. (This scenario assumes net household income is $89,401 or more.)</p>\n<p>Not bad for skipping an overhyped evening associated with poor restaurant service thanks to subpar prix-fixe menus and increased head counts, right?</p>\n<p>But what if you don&#8217;t have kids and have no use for an RESP? A Tax-Free Savings Account (TFSA) is another great tool that can make your investments work harder for you. Using the same savings timeline as the previous scenario (18 years), $277.54 invested annually into a TFSA would earn you $9,092.21 (assuming the same 6% rate of return). And, of course, the longer you do this, the better: $277.54 invested annually into a TFSA for 25 years, with a 6% interest rate, would grow to $16,140.72.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/should-couples-combine-finances/\" >Should couples combine finances? <span class=\"s1\">»</span></a></p>\n<h3>The rising cost of love</h3>\n<p>Still not convinced that you should do away with Valentine&#8217;s Day all together? This might influence you: The costs of coupledom are rapidly ascending. According to RateSupermarket, the cost of love has increased 22.8% from last year and a budget-busting 41% since the study&#8217;s 2013 debut.</p>\n<p>Penelope Graham, Editor at RateSupermarket, attributes these spikes to the increasing costs of travel and dining out, which have only been exacerbated by the diminished strength of our loonie.</p>\n<p>Now, just because I&#8217;m espousing you ignore all the overblown fanfare surrounding Feb. 14, please don&#8217;t think me some hard-hearted type. Imagine that you do opt to put that annual $277.84 Valentine&#8217;s Day expense into your TFSA for 25 years and grow it to more than $16,000. That&#8217;s going to provide one hell of a budget for you and your partner to jet off to some far-flung romantic destination for the trip of a lifetime. (I hear Paris is nice.)</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Shave $9,092.21 off the cost of love','<p>The surprisingly lucrative case for being a Valentine\'s Day grinch</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','351-revision-v1','','','2016-02-11 10:46:11','2016-02-11 15:46:11','',351,'http://feedwordpress.radgeek.com/?rev=e44d3526ea36b721afb504332ccf3501',0,'revision','',0),(353,1,'2016-02-11 09:00:30','2016-02-11 14:00:30','','Move or improve?','','fwpzapped','closed','closed','','','','','2016-02-11 09:00:30','2016-02-11 14:00:30','',0,'http://www.moneysense.ca/?p=141142',0,'post','',0),(354,1,'2016-02-11 09:00:30','2016-02-11 14:00:30','','Move or improve?','','inherit','closed','closed','','353-revision-v1','','','2016-02-11 09:00:30','2016-02-11 14:00:30','',353,'http://feedwordpress.radgeek.com/?rev=2b2c48e103857664adc406abcbbbe8a1',0,'revision','',0),(355,1,'2016-02-11 09:00:21','2016-02-11 14:00:21','','What sky-high bond prices mean for your yields','','fwpzapped','closed','closed','','','','','2016-02-11 09:00:21','2016-02-11 14:00:21','',0,'http://www.moneysense.ca/?p=146644',0,'post','',0),(356,1,'2016-02-11 09:00:21','2016-02-11 14:00:21','','What sky-high bond prices mean for your yields','','inherit','closed','closed','','355-revision-v1','','','2016-02-11 09:00:21','2016-02-11 14:00:21','',355,'http://feedwordpress.radgeek.com/?rev=6a08338a301d8ac3e55032cffba5295c',0,'revision','',0),(357,1,'2016-02-11 06:58:00','2016-02-11 11:58:00','','Interest rates remain low because we need more borrowers','','fwpzapped','closed','closed','','','','','2016-02-11 06:58:00','2016-02-11 11:58:00','',0,'http://www.moneysense.ca/?p=146650',0,'post','',0),(358,1,'2016-02-11 06:58:00','2016-02-11 11:58:00','','Interest rates remain low because we need more borrowers','','inherit','closed','closed','','357-revision-v1','','','2016-02-11 06:58:00','2016-02-11 11:58:00','',357,'http://feedwordpress.radgeek.com/?rev=fe64e49d2e30d52ea382055f36911a34',0,'revision','',0),(359,1,'2016-02-10 13:00:42','2016-02-10 18:00:42','','Tips for choosing a financial advisor','','inherit','closed','closed','','341-revision-v1','','','2016-02-10 13:00:42','2016-02-10 18:00:42','',341,'http://feedwordpress.radgeek.com/?rev=66f60a999bc4c2c22489e2e8be62fe75',0,'revision','',0),(360,1,'2016-02-11 14:11:56','2016-02-11 19:11:56','','Air Canada to fliers: Don’t volunteer to get bumped','','fwpzapped','closed','closed','','','','','2016-02-11 14:11:56','2016-02-11 19:11:56','',0,'http://www.moneysense.ca/?p=146682',0,'post','',0),(361,1,'2016-02-11 14:11:56','2016-02-11 19:11:56','','Air Canada to fliers: Don’t volunteer to get bumped','','inherit','closed','closed','','360-revision-v1','','','2016-02-11 14:11:56','2016-02-11 19:11:56','',360,'http://feedwordpress.radgeek.com/?rev=7de8a9afd84735b5555f47331511a3d7',0,'revision','',0),(362,1,'2016-02-11 12:43:47','2016-02-11 17:43:47','','Ontario unveils its plan for wine in grocery stores','','inherit','closed','closed','','349-revision-v1','','','2016-02-11 12:43:47','2016-02-11 17:43:47','',349,'http://feedwordpress.radgeek.com/?rev=3c39660ce10e45d5b1d72e83f1d1d705',0,'revision','',0),(363,1,'2016-02-11 15:22:27','2016-02-11 20:22:27','<p>OTTAWA – Valentine’s Day may have people thinking about their relationships and where they are going.</p>\n<p>And if the heart turns to taking it further, that may mean the marrying of finances.</p>\n<p>For some couples, it will be when they move in together and begin sharing big expenses like rent. For others, it may be when they tie the knot or buy a house together.</p>\n<p>The timing of opening a joint account, a milestone for many people, will depend on your own assessment of your relationship and financial circumstances.</p>\n<p>Wade Stayzer of Meridian Credit Union suggests an approach he describes as “Mine, yours and ours” that sees both people maintain their individual accounts, but share a joint account for joint expenses.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/should-couples-combine-finances/\">How couples can combine finances » </a></p>\n<p>“The together money is used to pay those together expenses, but it also provides the autonomy for each individual to be able to do what they want to do,” said Stayzer, Meridian’s vice-president of sales and service.</p>\n<p>“You have your money, your spouse has their money and then you have joint money.”</p>\n<p>The money for the joint account could come equally from both partners or split in whatever way they decide is fair.</p>\n<p>“It could be based on the income that everyone is bringing to the table,” he said.</p>\n<p>But the key, Stayzer says, is that couples talk openly about money because it’s one of the top reasons why they argue.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/why-im-not-opening-a-joint-bank-account-with-my-husband-to-be/\">Why I’m not opening a joint bank account with my husband-to-be » </a></p>\n<p>“By having the discussion and setting ground rules and understanding how each other likes to operate will help remove some of the stigma around it,” he said.</p>\n<p>“When we hear horror stories, if you will, it’s more when someone had no idea about where the money was going and then all of a sudden there’s a nasty surprise.”</p>\n<p>Christine Canning, head of everyday banking at BMO, says as two-income households have become more common, the conversation about money has become more complicated.</p>\n<p>“It’s really a good thing because what that means is there’s more equality and we’re having good conversations, but as with many of these things it’s a gift and it’s also a responsibility,” she said.</p>\n<p>“If you’re lucky enough that you’ve got two people with equal incomes, that comes with, ‘OK, now we have to have the conversation about how this is going to work.&#8217;”</p>\n<p>A poll done by BMO suggested that 28 per cent of Canadian couples share all of their finances, while 30 per cent said they want to keep come aspects secret from their partner.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love » </a></p>\n<p>The survey also found that 46 per cent of those asked admitted that they had lied to their partner about their finances at some point in their relationship and 17 per cent said they argued about money at least once a week.</p>\n<p>Canning said every couple will have disagreements, but having some ground rules will help bring about productive conversations about money.</p>\n<p>“There is a wrong way to do it and it’s where you don’t have the conversation and you both have completely different points of view about how you should do things,” she said.</p>\n<p>The BMO poll was done by Pollara between Jan. 21 and Jan. 25 including an online sample of 1,004 adult Canadians who are either married, living common law or have been in a serious relationship for at least two years.</p>\n<p>The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/the-do-and-donts-of-joint-bank-accounts/\">The do and don’ts of joint bank accounts</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The do and don’ts of joint bank accounts','<p>28% of Canadian couples share all of their finances</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/the-do-and-donts-of-joint-bank-accounts/\">The do and don&rsquo;ts of joint bank accounts</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-02-11 15:22:27','2016-02-11 20:22:27','',0,'http://www.moneysense.ca/?p=146744',0,'post','',0),(364,1,'2016-02-11 15:22:27','2016-02-11 20:22:27','<p>OTTAWA – Valentine’s Day may have people thinking about their relationships and where they are going.</p>\n<p>And if the heart turns to taking it further, that may mean the marrying of finances.</p>\n<p>For some couples, it will be when they move in together and begin sharing big expenses like rent. For others, it may be when they tie the knot or buy a house together.</p>\n<p>The timing of opening a joint account, a milestone for many people, will depend on your own assessment of your relationship and financial circumstances.</p>\n<p>Wade Stayzer of Meridian Credit Union suggests an approach he describes as “Mine, yours and ours” that sees both people maintain their individual accounts, but share a joint account for joint expenses.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/should-couples-combine-finances/\">How couples can combine finances » </a></p>\n<p>“The together money is used to pay those together expenses, but it also provides the autonomy for each individual to be able to do what they want to do,” said Stayzer, Meridian’s vice-president of sales and service.</p>\n<p>“You have your money, your spouse has their money and then you have joint money.”</p>\n<p>The money for the joint account could come equally from both partners or split in whatever way they decide is fair.</p>\n<p>“It could be based on the income that everyone is bringing to the table,” he said.</p>\n<p>But the key, Stayzer says, is that couples talk openly about money because it’s one of the top reasons why they argue.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/why-im-not-opening-a-joint-bank-account-with-my-husband-to-be/\">Why I’m not opening a joint bank account with my husband-to-be » </a></p>\n<p>“By having the discussion and setting ground rules and understanding how each other likes to operate will help remove some of the stigma around it,” he said.</p>\n<p>“When we hear horror stories, if you will, it’s more when someone had no idea about where the money was going and then all of a sudden there’s a nasty surprise.”</p>\n<p>Christine Canning, head of everyday banking at BMO, says as two-income households have become more common, the conversation about money has become more complicated.</p>\n<p>“It’s really a good thing because what that means is there’s more equality and we’re having good conversations, but as with many of these things it’s a gift and it’s also a responsibility,” she said.</p>\n<p>“If you’re lucky enough that you’ve got two people with equal incomes, that comes with, ‘OK, now we have to have the conversation about how this is going to work.&#8217;”</p>\n<p>A poll done by BMO suggested that 28 per cent of Canadian couples share all of their finances, while 30 per cent said they want to keep come aspects secret from their partner.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love » </a></p>\n<p>The survey also found that 46 per cent of those asked admitted that they had lied to their partner about their finances at some point in their relationship and 17 per cent said they argued about money at least once a week.</p>\n<p>Canning said every couple will have disagreements, but having some ground rules will help bring about productive conversations about money.</p>\n<p>“There is a wrong way to do it and it’s where you don’t have the conversation and you both have completely different points of view about how you should do things,” she said.</p>\n<p>The BMO poll was done by Pollara between Jan. 21 and Jan. 25 including an online sample of 1,004 adult Canadians who are either married, living common law or have been in a serious relationship for at least two years.</p>\n<p>The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/the-do-and-donts-of-joint-bank-accounts/\">The do and don’ts of joint bank accounts</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The do and don’ts of joint bank accounts','<p>28% of Canadian couples share all of their finances</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/the-do-and-donts-of-joint-bank-accounts/\">The do and don&rsquo;ts of joint bank accounts</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','363-revision-v1','','','2016-02-11 15:22:27','2016-02-11 20:22:27','',363,'http://feedwordpress.radgeek.com/?rev=dbc9fcbe9b3f284045df9d50ea869040',0,'revision','',0),(365,1,'2016-02-11 14:11:56','2016-02-11 19:11:56','','Air Canada to fliers: Don’t volunteer to get bumped','','inherit','closed','closed','','360-revision-v1','','','2016-02-11 14:11:56','2016-02-11 19:11:56','',360,'http://feedwordpress.radgeek.com/?rev=c1d2af0849ccfaf186fa26af81c6f35c',0,'revision','',0),(366,1,'2016-02-11 10:46:11','2016-02-11 15:46:11','<p>Turns out, love does have a price—and it&#8217;s $61,821.60, according to the fourth annual Cost of Love study from <a href=\"https://www.ratesupermarket.ca/\" >RateSupermarket.ca</a>.</p>\n<p>Why $61,821.60? To come up with this rather precise number, the mortgage rate comparison site tallied up all the financial outlays associated with a one-year courtship period, one-year engagement and the average Canadian wedding. Baked into their calculations are various assumptions: Among other things, a prosperous and successful romance<em> must</em> include one beach vacation (with an average cost of $3,523), two weekend getaways (with an average cost of $625.75 ) and exactly 12 fancy dates (with an average cost of $277.54).</p>\n<p>Want an easy way to shave $9,092.21 to $10,889.42 off of this formidable expense? Skip your fancy plans for Valentine&#8217;s Day and invest that money in a tax-sheltered savings vehicle like a TFSA or RESP.</p>\n<p>Keep on reading, I&#8217;ll show you how it all works.</p>\n<h3>Putting a price on romance</h3>\n<p>RateSupermarket defines a &#8220;fancy&#8221; $277.54 date as the cost of a nice dinner and a pair of theatre tickets. Forgoing such a cost this Valentine&#8217;s Day (and for the next dozen years or more) would save you a hefty chunk of change. Now, if you were to invest that money in accounts that allow you to take advantage of tax-free, compound interest growth, well you&#8217;d really start building a lovely nest egg.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/the-moneysense-guide-to-love-money/\" >How to stop fighting over money <span class=\"s1\">»</span></a></p>\n<h3>Tax-free savings solutions</h3>\n<p>For instance, let&#8217;s say you&#8217;re expectant parents. Putting that $277.54 Valentine&#8217;s Day expense into a Registered Education Savings Plan (RESP) every year until your child turns 18 would give you a total balance of $10,889.42. Over that time period, your personal RESP contributions would add up to about $4,986, the Canada Education Savings Grant (CESG) the government chips in would account for $997.20, and your projected earnings (assuming a 6% rate of return) would be $4,906.22. (This scenario assumes net household income is $89,401 or more.)</p>\n<p>Not bad for skipping an overhyped evening associated with poor restaurant service thanks to subpar prix-fixe menus and increased head counts, right?</p>\n<p>But what if you don&#8217;t have kids and have no use for an RESP? A Tax-Free Savings Account (TFSA) is another great tool that can make your investments work harder for you. Using the same savings timeline as the previous scenario (18 years), $277.54 invested annually into a TFSA would earn you $9,092.21 (assuming the same 6% rate of return). And, of course, the longer you do this, the better: $277.54 invested annually into a TFSA for 25 years, with a 6% interest rate, would grow to $16,140.72.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/should-couples-combine-finances/\" >Should couples combine finances? <span class=\"s1\">»</span></a></p>\n<h3>The rising cost of love</h3>\n<p>Still not convinced that you should do away with Valentine&#8217;s Day all together? This might influence you: The costs of coupledom are rapidly ascending. According to RateSupermarket, the cost of love has increased 22.8% from last year and a budget-busting 41% since the study&#8217;s 2013 debut.</p>\n<p>Penelope Graham, Editor at RateSupermarket, attributes these spikes to the increasing costs of travel and dining out, which have only been exacerbated by the diminished strength of our loonie.</p>\n<p>Now, just because I&#8217;m espousing you ignore all the overblown fanfare surrounding Feb. 14, please don&#8217;t think me some hard-hearted type. Imagine that you do opt to put that annual $277.84 Valentine&#8217;s Day expense into your TFSA for 25 years and grow it to more than $16,000. That&#8217;s going to provide one hell of a budget for you and your partner to jet off to some far-flung romantic destination for the trip of a lifetime. (I hear Paris is nice.)</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Shave $9,092.21 off the cost of love','<p>The surprisingly lucrative case for being a Valentine\'s Day grinch</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/save-money-on-valentines-day/\">Shave $9,092.21 off the cost of love</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','351-revision-v1','','','2016-02-11 10:46:11','2016-02-11 15:46:11','',351,'http://feedwordpress.radgeek.com/?rev=f22f7c3b34cb593dde49ad3c395d90b4',0,'revision','',0),(367,1,'2016-02-10 13:00:42','2016-02-10 18:00:42','','Tips for choosing a financial advisor','','inherit','closed','closed','','341-revision-v1','','','2016-02-10 13:00:42','2016-02-10 18:00:42','',341,'http://feedwordpress.radgeek.com/?rev=657b6d3299d23e05ba72b5402c9d9c7d',0,'revision','',0),(368,1,'2016-02-10 13:00:42','2016-02-10 18:00:42','','Tips for choosing a financial advisor','','inherit','closed','closed','','341-revision-v1','','','2016-02-10 13:00:42','2016-02-10 18:00:42','',341,'http://feedwordpress.radgeek.com/?rev=657b6d3299d23e05ba72b5402c9d9c7d',0,'revision','',0),(369,1,'2016-02-12 09:43:52','2016-02-12 14:43:52','','Trudeau to boost student summer jobs program','','fwpzapped','closed','closed','','','','','2016-02-12 09:43:52','2016-02-12 14:43:52','',0,'http://www.moneysense.ca/?p=146778',0,'post','',0),(370,1,'2016-02-12 09:43:52','2016-02-12 14:43:52','','Trudeau to boost student summer jobs program','','inherit','closed','closed','','369-revision-v1','','','2016-02-12 09:43:52','2016-02-12 14:43:52','',369,'http://feedwordpress.radgeek.com/?rev=0bf10014224b4b2419e828e5a98dcd74',0,'revision','',0),(371,1,'2016-02-12 09:00:19','2016-02-12 14:00:19','<p>We&#8217;re nearly halfway through February, which means RRSP season is upon us. It&#8217;s that time of year when we look for ways to make or increase RRSP contributions before the annual deadline, which falls this year on Feb. 29.</p>\n<p>But don&#8217;t panic. If you want to know what your RRSP is supposed to look like—whether you&#8217;re a young saver just starting out or in the final sprint toward retirement—check out <em>MoneySense</em>&#8216;s <a href=\"http://www.moneysense.ca/save/investing/rrsp/the-ultimate-rrsp-guide-for-savvy-investors/\" >RRSP guide for savvy investors</a>.</p>\n<p>In the meantime, here are five simple ways to boost your RRSP:</p>\n<h3>1. Just do it</h3>\n<p>I doubt that Nike had your retirement savings in mind when they came up with their iconic slogan, but they were certainly on to something. Just go ahead and bump up your regular RRSP contributions by $10 or $20 dollars each time. Most people find it easy to adapt to the reduced cash flow, because we make those sorts of adjustments all the time. Whenever the price of our morning coffee at Timmies goes up, we all moan and complain, but come Monday morning the drive-thrus are still 10 cars deep and we somehow find a way to come up with the extra change for our caffeine fixes. The same goes for those increased RRSP contributions.</p>\n<h3>2. Redirect extra cash</h3>\n<p>The Canadian energy sector may be taking a beating, but your gas budget is sure catching a break. Take advantage of any savings you can find to pump up your contribution levels. For example, if your weekly fill-up is costing you $10 to $15 less, why not redirect the money you previously spent at the pumps into your RRSP? That&#8217;s an extra $45 month. It adds up.</p>\n<h3> 3. Increase automatic contributions</h3>\n<p>Get a raise at work recently? Congratulations! Before you go out and buy yourself something frilly, channel some of that well-deserved raise into what will someday be a well-deserved retirement by increasing those automatic RRSP contributions. A powerful rule of thumb: Try to dedicate at least 50% of any pay increases towards your retirement.</p>\n<h3> 4. Use a windfall</h3>\n<p>The same goes whenever you come into a sizeable chunk of money—such as an inheritance, a severance or perhaps when you sold your unopened 1959 Barbie doll—take some or all of this money and slip it into your RRSP.</p>\n<h3>5. Repurpose your mortgage payments</h3>\n<p>There are lots of great things about finally paying off your mortgage. One, YOU JUST PAID OFF YOUR MORTGAGE! Two, no more mortgage payments means you have a great opportunity to ramp up your retirement savings. Now&#8217;s the time to put some or all of the money that had been going towards mortgage payments directly into your retirement fund.</p>\n<p>There are lots of different ways to find a little extra money for your RSP. That little boost now can mean a big difference to your future RSP balance. So get boosting!</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/5-easy-ways-to-boost-your-rrsp-contributions/\">5 easy ways to boost your RRSP contributions</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','5 easy ways to boost your RRSP contributions','<p>Find a little extra money to squirrel away&mdash;it\'ll make a real difference </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/5-easy-ways-to-boost-your-rrsp-contributions/\">5 easy ways to boost your RRSP contributions</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-02-12 09:00:19','2016-02-12 14:00:19','',0,'http://www.moneysense.ca/?p=146760',0,'post','',0),(372,1,'2016-02-12 09:00:19','2016-02-12 14:00:19','<p>We&#8217;re nearly halfway through February, which means RRSP season is upon us. It&#8217;s that time of year when we look for ways to make or increase RRSP contributions before the annual deadline, which falls this year on Feb. 29.</p>\n<p>But don&#8217;t panic. If you want to know what your RRSP is supposed to look like—whether you&#8217;re a young saver just starting out or in the final sprint toward retirement—check out <em>MoneySense</em>&#8216;s <a href=\"http://www.moneysense.ca/save/investing/rrsp/the-ultimate-rrsp-guide-for-savvy-investors/\" >RRSP guide for savvy investors</a>.</p>\n<p>In the meantime, here are five simple ways to boost your RRSP:</p>\n<h3>1. Just do it</h3>\n<p>I doubt that Nike had your retirement savings in mind when they came up with their iconic slogan, but they were certainly on to something. Just go ahead and bump up your regular RRSP contributions by $10 or $20 dollars each time. Most people find it easy to adapt to the reduced cash flow, because we make those sorts of adjustments all the time. Whenever the price of our morning coffee at Timmies goes up, we all moan and complain, but come Monday morning the drive-thrus are still 10 cars deep and we somehow find a way to come up with the extra change for our caffeine fixes. The same goes for those increased RRSP contributions.</p>\n<h3>2. Redirect extra cash</h3>\n<p>The Canadian energy sector may be taking a beating, but your gas budget is sure catching a break. Take advantage of any savings you can find to pump up your contribution levels. For example, if your weekly fill-up is costing you $10 to $15 less, why not redirect the money you previously spent at the pumps into your RRSP? That&#8217;s an extra $45 month. It adds up.</p>\n<h3> 3. Increase automatic contributions</h3>\n<p>Get a raise at work recently? Congratulations! Before you go out and buy yourself something frilly, channel some of that well-deserved raise into what will someday be a well-deserved retirement by increasing those automatic RRSP contributions. A powerful rule of thumb: Try to dedicate at least 50% of any pay increases towards your retirement.</p>\n<h3> 4. Use a windfall</h3>\n<p>The same goes whenever you come into a sizeable chunk of money—such as an inheritance, a severance or perhaps when you sold your unopened 1959 Barbie doll—take some or all of this money and slip it into your RRSP.</p>\n<h3>5. Repurpose your mortgage payments</h3>\n<p>There are lots of great things about finally paying off your mortgage. One, YOU JUST PAID OFF YOUR MORTGAGE! Two, no more mortgage payments means you have a great opportunity to ramp up your retirement savings. Now&#8217;s the time to put some or all of the money that had been going towards mortgage payments directly into your retirement fund.</p>\n<p>There are lots of different ways to find a little extra money for your RSP. That little boost now can mean a big difference to your future RSP balance. So get boosting!</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/5-easy-ways-to-boost-your-rrsp-contributions/\">5 easy ways to boost your RRSP contributions</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','5 easy ways to boost your RRSP contributions','<p>Find a little extra money to squirrel away&mdash;it\'ll make a real difference </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/rrsp/5-easy-ways-to-boost-your-rrsp-contributions/\">5 easy ways to boost your RRSP contributions</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','371-revision-v1','','','2016-02-12 09:00:19','2016-02-12 14:00:19','',371,'http://feedwordpress.radgeek.com/?rev=d843519d811b61cc95bc16cdf2095cd0',0,'revision','',0),(373,1,'2016-02-12 06:24:21','2016-02-12 11:24:21','<p><strong>Q: <span style=\"font-weight: 400;\">We live in Toronto and we’re trying to buy our first home. We’ve already lost three bids and in the last round of offers we were told that it was because we were insisting on a home inspection. My dad always told me that this was an important factor to buying a home, but I’m beginning to wonder if it’s outdated advice?</span></strong><span style=\"font-weight: 400;\"> </span> <em><span style=\"font-weight: 400;\">— Tired of losing bidding wars, Toronto, Ont. </span></em></p>\n<hr width=\"300\" />\n<p><strong>Answer No. 1: <span style=\"font-weight: 400;\">Nope, home inspections are never a bad idea. If you are worried about an inspection condition hurting your chances of competing in a multiple-offer situation, you can always ask to have an inspection done before the offer date. Most sellers will accommodate serious buyers and wanting an inspection shows you&#8217;re serious. </span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Many sellers now provide a home inspection, one that they arranged before listing the property. Those inspections can tell you a lot about the house. And most inspection companies will do walk-throughs after the fact. So for a nominal fee of usually around $100 the inspector will return to the property and take a prospective buyer through it and show them the highlights of the inspection. Do not leave yourself unprotected, there are always ways to make things work.</span></strong></p>\n<p><i><span style=\"font-weight: 400;\"><strong><i><span style=\"font-weight: 400;\"><strong><i><strong><a href=\"http://www.jeffreyteam.com/about/\"><b><img class=\"alignleft size-thumbnail wp-image-140480\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Laurin-Jeffrey-150x150.jpg\" alt=\"RE Expert - Laurin Jeffrey\" width=\"150\" height=\"150\" />Laurin Jeffrey</b></a><b><i> </i></b><i><span style=\"font-weight: 400;\">is a realtor with Century 21 Regal Realty Brokerage. He’s a history geek and photographer and specializes in lofts and unique properties. He can be found online at </span></i><a href=\"http://www.jeffreyteam.com/\"><i><span style=\"font-weight: 400;\">www.jeffreyteam.com</span></i></a><i><span style=\"font-weight: 400;\">.</span></i></strong></i></strong></span></i></strong></span></i></p>\n<hr />\n<p><strong>Answer No. 2: </strong><span style=\"font-weight: 400;\">The advice your father provided is not outdated but how it fits in a competitive market may require a few adjustments. </span></p>\n<p><span style=\"font-weight: 400;\">Buying without an inspection is indeed risky business. Having the strategy of having an advisor of sorts present during your showing is one way for you to feel better about this concept of buying without an inspection (someone who you trust to help you identify possible major issues). This may put you more at ease. It’s a strategy that’s less adequate than a certified home inspection … but better than going on blind faith alone. There are other key elements in an offer than the INSPECTION CLAUSE. Are you able to buy without a &#8216;conditional on financing&#8217; clause? Are you able to offer the highest earnest deposit for example? Always working with a specialized Buyers Agent is half the battle. They have different ways (…like the ones described) to help ensure you have a fighting chance of winning your next bid and ending up with a property that’s not a lemon.</span></p>\n<p><a href=\"http://www.propertyguys.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140486\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" />Walter Melanson</i></b></a> <i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><a href=\"http://www.propertyguys.com/\"><i><span style=\"font-weight: 400;\">PropertyGuys.com</span></i></a><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></p>\n<hr />\n<p><strong>Answer No. 3: </strong><span style=\"font-weight: 400;\">It&#8217;s not outdated advice and a lot of first-time buyers want the comfort of a home inspection. Most properties that are listed in Toronto, come with a pre-list </span><span style=\"font-weight: 400;\">home inspection, meaning the seller or seller&#8217;s agent has arranged for and paid for a home inspection prior to putting the house on the market. That report is readily available to any buyer that asks, so have your agent ask for the full report for you to review b</span><span style=\"font-weight: 400;\">efore the offer night. If the home does not come with a pre-list inspection or you are feeling uncomfortable relying on the pre-list </span><span style=\"font-weight: 400;\">you can perform a home inspection on the property before you place an offer on the home. This way you can bring a firm offer to the table on offer night (or not bring one at all based on what the findings of the report </span><span style=\"line-height: 1.5;\">were). Just remember, if you lose, you don&#8217;t get the money back for the inspection. But isn&#8217;t a few hundred bucks worth your piece of mind?</span></p>\n<p><a href=\"http://www.realtyqueento.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140488\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-Alexsandra-Oleksak-150x150.jpg\" alt=\"RE EXPERT - Alexsandra Oleksak\" width=\"150\" height=\"150\" />Aleksandra Oleksak</i></b></a><i><span style=\"font-weight: 400;\"> is a sales representative for Sage Real Estate, buying, selling and renovating her way through one of the top cities to live in. She is a Torontonian who loves the city and is passionate about its real estate. When she’s not out in the real estate trenches making the real estate process for buyers and sellers fun and stress free, you can catch her on her snowboard exploring the world.</span></i></p>\n<hr />\n<p><strong>Answer No. 4: <span style=\"font-weight: 400;\">Yes, absolutely. A home inspection is a good idea and a worthwhile investment—you do not know what hidden surprises there may be, even with a newer home. The cost of a home inspection may result in you saving yourself thousands of dollars later on along with a big headache and loads of heartache.</span></strong></p>\n<p><a href=\"http://martinrumack.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140490\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Martin-Rumack-150x150.jpg\" alt=\"RE Expert - Martin Rumack\" width=\"150\" height=\"150\" />Martin Rumack</i></b></a><i><span style=\"font-weight: 400;\"> is a Toronto lawyer that specializes in residential real estate, commercial financing, estate planning, family law and civil litigation. He actively teaches credit courses at the Toronto and Brampton Real Estate Boards, and at realtor associations throughout southern Ontario.  </span></i></p>\n<p>&nbsp;</p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you skip the home inspection in a hot market?','<p>Here are strategies to protect yourself and stay competitive </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-02-12 06:24:21','2016-02-12 11:24:21','',0,'http://www.moneysense.ca/?p=145262',0,'post','',0),(374,1,'2016-02-12 06:24:21','2016-02-12 11:24:21','<p><strong>Q: <span style=\"font-weight: 400;\">We live in Toronto and we’re trying to buy our first home. We’ve already lost three bids and in the last round of offers we were told that it was because we were insisting on a home inspection. My dad always told me that this was an important factor to buying a home, but I’m beginning to wonder if it’s outdated advice?</span></strong><span style=\"font-weight: 400;\"> </span> <em><span style=\"font-weight: 400;\">— Tired of losing bidding wars, Toronto, Ont. </span></em></p>\n<hr width=\"300\" />\n<p><strong>Answer No. 1: <span style=\"font-weight: 400;\">Nope, home inspections are never a bad idea. If you are worried about an inspection condition hurting your chances of competing in a multiple-offer situation, you can always ask to have an inspection done before the offer date. Most sellers will accommodate serious buyers and wanting an inspection shows you&#8217;re serious. </span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Many sellers now provide a home inspection, one that they arranged before listing the property. Those inspections can tell you a lot about the house. And most inspection companies will do walk-throughs after the fact. So for a nominal fee of usually around $100 the inspector will return to the property and take a prospective buyer through it and show them the highlights of the inspection. Do not leave yourself unprotected, there are always ways to make things work.</span></strong></p>\n<p><i><span style=\"font-weight: 400;\"><strong><i><span style=\"font-weight: 400;\"><strong><i><strong><a href=\"http://www.jeffreyteam.com/about/\"><b><img class=\"alignleft size-thumbnail wp-image-140480\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Laurin-Jeffrey-150x150.jpg\" alt=\"RE Expert - Laurin Jeffrey\" width=\"150\" height=\"150\" />Laurin Jeffrey</b></a><b><i> </i></b><i><span style=\"font-weight: 400;\">is a realtor with Century 21 Regal Realty Brokerage. He’s a history geek and photographer and specializes in lofts and unique properties. He can be found online at </span></i><a href=\"http://www.jeffreyteam.com/\"><i><span style=\"font-weight: 400;\">www.jeffreyteam.com</span></i></a><i><span style=\"font-weight: 400;\">.</span></i></strong></i></strong></span></i></strong></span></i></p>\n<hr />\n<p><strong>Answer No. 2: </strong><span style=\"font-weight: 400;\">The advice your father provided is not outdated but how it fits in a competitive market may require a few adjustments. </span></p>\n<p><span style=\"font-weight: 400;\">Buying without an inspection is indeed risky business. Having the strategy of having an advisor of sorts present during your showing is one way for you to feel better about this concept of buying without an inspection (someone who you trust to help you identify possible major issues). This may put you more at ease. It’s a strategy that’s less adequate than a certified home inspection … but better than going on blind faith alone. There are other key elements in an offer than the INSPECTION CLAUSE. Are you able to buy without a &#8216;conditional on financing&#8217; clause? Are you able to offer the highest earnest deposit for example? Always working with a specialized Buyers Agent is half the battle. They have different ways (…like the ones described) to help ensure you have a fighting chance of winning your next bid and ending up with a property that’s not a lemon.</span></p>\n<p><a href=\"http://www.propertyguys.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140486\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" />Walter Melanson</i></b></a> <i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><a href=\"http://www.propertyguys.com/\"><i><span style=\"font-weight: 400;\">PropertyGuys.com</span></i></a><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></p>\n<hr />\n<p><strong>Answer No. 3: </strong><span style=\"font-weight: 400;\">It&#8217;s not outdated advice and a lot of first-time buyers want the comfort of a home inspection. Most properties that are listed in Toronto, come with a pre-list </span><span style=\"font-weight: 400;\">home inspection, meaning the seller or seller&#8217;s agent has arranged for and paid for a home inspection prior to putting the house on the market. That report is readily available to any buyer that asks, so have your agent ask for the full report for you to review b</span><span style=\"font-weight: 400;\">efore the offer night. If the home does not come with a pre-list inspection or you are feeling uncomfortable relying on the pre-list </span><span style=\"font-weight: 400;\">you can perform a home inspection on the property before you place an offer on the home. This way you can bring a firm offer to the table on offer night (or not bring one at all based on what the findings of the report </span><span style=\"line-height: 1.5;\">were). Just remember, if you lose, you don&#8217;t get the money back for the inspection. But isn&#8217;t a few hundred bucks worth your piece of mind?</span></p>\n<p><a href=\"http://www.realtyqueento.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140488\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-Alexsandra-Oleksak-150x150.jpg\" alt=\"RE EXPERT - Alexsandra Oleksak\" width=\"150\" height=\"150\" />Aleksandra Oleksak</i></b></a><i><span style=\"font-weight: 400;\"> is a sales representative for Sage Real Estate, buying, selling and renovating her way through one of the top cities to live in. She is a Torontonian who loves the city and is passionate about its real estate. When she’s not out in the real estate trenches making the real estate process for buyers and sellers fun and stress free, you can catch her on her snowboard exploring the world.</span></i></p>\n<hr />\n<p><strong>Answer No. 4: <span style=\"font-weight: 400;\">Yes, absolutely. A home inspection is a good idea and a worthwhile investment—you do not know what hidden surprises there may be, even with a newer home. The cost of a home inspection may result in you saving yourself thousands of dollars later on along with a big headache and loads of heartache.</span></strong></p>\n<p><a href=\"http://martinrumack.com/\"><b><i><img class=\"alignleft size-thumbnail wp-image-140490\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Martin-Rumack-150x150.jpg\" alt=\"RE Expert - Martin Rumack\" width=\"150\" height=\"150\" />Martin Rumack</i></b></a><i><span style=\"font-weight: 400;\"> is a Toronto lawyer that specializes in residential real estate, commercial financing, estate planning, family law and civil litigation. He actively teaches credit courses at the Toronto and Brampton Real Estate Boards, and at realtor associations throughout southern Ontario.  </span></i></p>\n<p>&nbsp;</p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you skip the home inspection in a hot market?','<p>Here are strategies to protect yourself and stay competitive </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','373-revision-v1','','','2016-02-12 06:24:21','2016-02-12 11:24:21','',373,'http://feedwordpress.radgeek.com/?rev=204c4d00f06da050ed4b32bbbdd7d023',0,'revision','',0),(375,1,'2016-02-11 09:00:30','2016-02-11 14:00:30','','Move or improve?','','inherit','closed','closed','','353-revision-v1','','','2016-02-11 09:00:30','2016-02-11 14:00:30','',353,'http://feedwordpress.radgeek.com/?rev=a12dd06a0da06ecc49dd173b31a7939a',0,'revision','',0),(376,1,'2016-02-12 13:03:04','2016-02-12 18:03:04','','Should you buy or lease your new car?','','fwpzapped','closed','closed','','','','','2016-02-12 13:03:04','2016-02-12 18:03:04','',0,'http://www.moneysense.ca/?p=146790',0,'post','',0),(377,1,'2016-02-12 13:03:04','2016-02-12 18:03:04','','Should you buy or lease your new car?','','inherit','closed','closed','','376-revision-v1','','','2016-02-12 13:03:04','2016-02-12 18:03:04','',376,'http://feedwordpress.radgeek.com/?rev=b815ee9181229d4b48d9991acc09b869',0,'revision','',0),(378,1,'2016-02-12 06:24:21','2016-02-12 11:24:21','<p><strong>Q: <span style=\"font-weight: 400;\">We live in Toronto and we’re trying to buy our first home. We’ve already lost three bids and in the last round of offers we were told that it was because we were insisting on a home inspection. My dad always told me that this was an important factor to buying a home, but I’m beginning to wonder if it’s outdated advice?</span></strong><span style=\"font-weight: 400;\"> </span> <em><span style=\"font-weight: 400;\">— Tired of losing bidding wars, Toronto, Ont. </span></em></p>\n<hr width=\"300\" />\n<p><strong>Answer No. 1: <span style=\"font-weight: 400;\">Nope, home inspections are never a bad idea. If you are worried about an inspection condition hurting your chances of competing in a multiple-offer situation, you can always ask to have an inspection done before the offer date. Most sellers will accommodate serious buyers and wanting an inspection shows you&#8217;re serious. </span></strong></p>\n<p><strong><span style=\"font-weight: 400;\">Many sellers now provide a home inspection, one that they arranged before listing the property. Those inspections can tell you a lot about the house. And most inspection companies will do walk-throughs after the fact. So for a nominal fee of usually around $100 the inspector will return to the property and take a prospective buyer through it and show them the highlights of the inspection. Do not leave yourself unprotected, there are always ways to make things work.</span></strong></p>\n<p><i><span style=\"font-weight: 400;\"><strong><i><span style=\"font-weight: 400;\"><strong><i><strong><a href=\"http://www.jeffreyteam.com/about/\" ><b><img class=\"alignleft size-thumbnail wp-image-140480\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Laurin-Jeffrey-150x150.jpg\" alt=\"RE Expert - Laurin Jeffrey\" width=\"150\" height=\"150\" />Laurin Jeffrey</b></a><b><i> </i></b><i><span style=\"font-weight: 400;\">is a realtor with Century 21 Regal Realty Brokerage. He’s a history geek and photographer and specializes in lofts and unique properties. He can be found online at </span></i><a href=\"http://www.jeffreyteam.com/\" ><i><span style=\"font-weight: 400;\">www.jeffreyteam.com</span></i></a><i><span style=\"font-weight: 400;\">.</span></i></strong></i></strong></span></i></strong></span></i></p>\n<hr />\n<p><strong>Answer No. 2: </strong><span style=\"font-weight: 400;\">The advice your father provided is not outdated but how it fits in a competitive market may require a few adjustments. </span></p>\n<p><span style=\"font-weight: 400;\">Buying without an inspection is indeed risky business. Having the strategy of having an advisor of sorts present during your showing is one way for you to feel better about this concept of buying without an inspection (someone who you trust to help you identify possible major issues). This may put you more at ease. It’s a strategy that’s less adequate than a certified home inspection … but better than going on blind faith alone. There are other key elements in an offer than the INSPECTION CLAUSE. Are you able to buy without a &#8216;conditional on financing&#8217; clause? Are you able to offer the highest earnest deposit for example? Always working with a specialized Buyers Agent is half the battle. They have different ways (…like the ones described) to help ensure you have a fighting chance of winning your next bid and ending up with a property that’s not a lemon.</span></p>\n<p><a href=\"http://www.propertyguys.com/\" ><b><i><img class=\"alignleft size-thumbnail wp-image-140486\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Walter-Melanson-150x150.jpg\" alt=\"RE Expert - Walter Melanson\" width=\"150\" height=\"150\" />Walter Melanson</i></b></a> <i><span style=\"font-weight: 400;\">is the co-founder and lead analyst at </span></i><a href=\"http://www.propertyguys.com/\" ><i><span style=\"font-weight: 400;\">PropertyGuys.com</span></i></a><i><span style=\"font-weight: 400;\">, Canada&#8217;s largest private sale franchise network. A background in finance, economics and technology, Walter&#8217;s true passion lies in building a more modern approach to buying and selling real estate.</span></i></p>\n<hr />\n<p><strong>Answer No. 3: </strong><span style=\"font-weight: 400;\">It&#8217;s not outdated advice and a lot of first-time buyers want the comfort of a home inspection. Most properties that are listed in Toronto, come with a pre-list </span><span style=\"font-weight: 400;\">home inspection, meaning the seller or seller&#8217;s agent has arranged for and paid for a home inspection prior to putting the house on the market. That report is readily available to any buyer that asks, so have your agent ask for the full report for you to review b</span><span style=\"font-weight: 400;\">efore the offer night. If the home does not come with a pre-list inspection or you are feeling uncomfortable relying on the pre-list </span><span style=\"font-weight: 400;\">you can perform a home inspection on the property before you place an offer on the home. This way you can bring a firm offer to the table on offer night (or not bring one at all based on what the findings of the report </span><span style=\"line-height: 1.5;\">were). Just remember, if you lose, you don&#8217;t get the money back for the inspection. But isn&#8217;t a few hundred bucks worth your piece of mind?</span></p>\n<p><a href=\"http://www.realtyqueento.com/\" ><b><i><img class=\"alignleft size-thumbnail wp-image-140488\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-EXPERT-Alexsandra-Oleksak-150x150.jpg\" alt=\"RE EXPERT - Alexsandra Oleksak\" width=\"150\" height=\"150\" />Aleksandra Oleksak</i></b></a><i><span style=\"font-weight: 400;\"> is a sales representative for Sage Real Estate, buying, selling and renovating her way through one of the top cities to live in. She is a Torontonian who loves the city and is passionate about its real estate. When she’s not out in the real estate trenches making the real estate process for buyers and sellers fun and stress free, you can catch her on her snowboard exploring the world.</span></i></p>\n<hr />\n<p><strong>Answer No. 4: <span style=\"font-weight: 400;\">Yes, absolutely. A home inspection is a good idea and a worthwhile investment—you do not know what hidden surprises there may be, even with a newer home. The cost of a home inspection may result in you saving yourself thousands of dollars later on along with a big headache and loads of heartache.</span></strong></p>\n<p><a href=\"http://martinrumack.com/\" ><b><i><img class=\"alignleft size-thumbnail wp-image-140490\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/RE-Expert-Martin-Rumack-150x150.jpg\" alt=\"RE Expert - Martin Rumack\" width=\"150\" height=\"150\" />Martin Rumack</i></b></a><i><span style=\"font-weight: 400;\"> is a Toronto lawyer that specializes in residential real estate, commercial financing, estate planning, family law and civil litigation. He actively teaches credit courses at the Toronto and Brampton Real Estate Boards, and at realtor associations throughout southern Ontario.  </span></i></p>\n<p>&nbsp;</p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:romana.king@rci.moneysense.ca?subject=Ask%20a%20a%20a%20Real%20a%20Estate%20a%20Expert\" >Ask a Real Estate Expert: Ask our experts your property or real estate question »</a></p>\n<hr />\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #425f9c; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"https://www.facebook.com/RKHomeOwner\" >Read more from Romana King at Home Owner on Facebook »</a></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Should you skip the home inspection in a hot market?','<p>Here are strategies to protect yourself and stay competitive </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/buying/in-a-hot-market-should-you-forego-the-home-inspection/\">Should you skip the home inspection in a hot market?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','373-revision-v1','','','2016-02-12 06:24:21','2016-02-12 11:24:21','',373,'http://feedwordpress.radgeek.com/?rev=6275938704076f7d031926cf7041585f',0,'revision','',0),(379,1,'2016-02-12 01:00:34','2016-02-12 06:00:34','','Cheap sun vacations for last-minute travellers','','fwpzapped','closed','closed','','','','','2016-02-12 01:00:34','2016-02-12 06:00:34','',0,'http://www.moneysense.ca/?p=146792',0,'post','',0),(380,1,'2016-02-12 01:00:34','2016-02-12 06:00:34','','Cheap sun vacations for last-minute travellers','','inherit','closed','closed','','379-revision-v1','','','2016-02-12 01:00:34','2016-02-12 06:00:34','',379,'http://feedwordpress.radgeek.com/?rev=4a279f5c13fceaa491157c6b9035eec4',0,'revision','',0),(381,1,'2016-02-11 14:11:56','2016-02-11 19:11:56','','Air Canada to fliers: Don’t volunteer to get bumped','','inherit','closed','closed','','360-revision-v1','','','2016-02-11 14:11:56','2016-02-11 19:11:56','',360,'http://feedwordpress.radgeek.com/?rev=4e2d66a981f07a3737867e06f8632993',0,'revision','',0),(382,1,'2016-02-12 17:39:38','2016-02-12 22:39:38','','Family Day: Free and fun activities across Canada','','fwpzapped','closed','closed','','','','','2016-02-12 17:39:38','2016-02-12 22:39:38','',0,'http://www.moneysense.ca/?p=146856',0,'post','',0),(383,1,'2016-02-12 17:39:38','2016-02-12 22:39:38','','Family Day: Free and fun activities across Canada','','inherit','closed','closed','','382-revision-v1','','','2016-02-12 17:39:38','2016-02-12 22:39:38','',382,'http://feedwordpress.radgeek.com/?rev=d3516fa6edeaaa4bc30343d12939a281',0,'revision','',0),(384,1,'2016-02-12 16:48:19','2016-02-12 21:48:19','','Are you being left out of the Roll Up The Rim contest?','','fwpzapped','closed','closed','','','','','2016-02-12 16:48:19','2016-02-12 21:48:19','',0,'http://www.moneysense.ca/?p=146822',0,'post','',0),(385,1,'2016-02-12 16:48:19','2016-02-12 21:48:19','','Are you being left out of the Roll Up The Rim contest?','','inherit','closed','closed','','384-revision-v1','','','2016-02-12 16:48:19','2016-02-12 21:48:19','',384,'http://feedwordpress.radgeek.com/?rev=81169fef12391498f33655bf5ab693df',0,'revision','',0),(386,1,'2016-02-13 15:39:26','2016-02-13 20:39:26','<div id=\"attachment_103976\" class=\"wp-caption alignleft\" style=\"width: 310px;\"><img class=\"wp-image-103976 size-medium\" src=\"http://www.moneysense.ca/wp-content/uploads/2014/12/185250534-300x199.jpg\" alt=\"(malerapaso/Getty Images) \" width=\"300\" height=\"199\" />\r\n<p class=\"wp-caption-text\">(malerapaso/Getty Images)</p>\r\n\r\n</div>\r\nGreat news for consumers looking for a viable high-interest savings account alternative to those at the Big Five. Equitable Bank has launched EQ Bank, Canada’s first completely digital banking service, with an everyday interest savings rate of 3% and no fees or minimum balance requirements. In addition to the higher interest rate, which handily tops anything offered by the big banks, EQ Bank accounts also allow daily transactions, including bill payments and e-transfers.\r\n\r\nThe post <a href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\" rel=\"nofollow\">Digital banking service offers 3% interest savings</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Digital banking service offers 3% interest savings','<p>EQ Bank accounts also allow daily transactions, including bill payments and e-transfers</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/banking/new-digital-banking-service-offers-3-interest-savings/\">Digital banking service offers 3% interest savings</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','322-revision-v1','','','2016-02-13 15:39:26','2016-02-13 20:39:26','',322,'http://www.presagemedia.com/l2o/2016/02/13/322-revision-v1/',0,'revision','',0),(387,1,'2016-02-13 15:52:32','2016-02-13 20:52:32','<p class=\"p1\">For some, the appeal of charitable giving is that special feeling you get from contributing to a worthy cause (and, of course, the tax receipt never hurts). But some charities will even reciprocate your generosity, provided you don’t mind ponying up extra to join the ranks of their most select donors. Here are four Canadian institutions that reward their biggest supporters with discounts, freebies and exclusive privileges. Some are more expensive than others, but as they say, you gotta give to get.</p>\r\n<p class=\"p1\"><img class=\"aligncenter wp-image-146486 size-full\" src=\"http://www.moneysense.ca/wp-content/uploads/2016/02/Screen-shot-2016-02-10-at-11.06.43-AM.png\" alt=\"Charities that pay you back\" width=\"568\" height=\"901\" /></p>\r\nThe post <a href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\" rel=\"nofollow\">Charities that pay you back</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Charities that pay you back','<p>These charities reward their biggest supporters with exclusive privileges</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/charities-that-pay-you-back/\">Charities that pay you back</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','345-revision-v1','','','2016-02-13 15:52:32','2016-02-13 20:52:32','',345,'http://www.presagemedia.com/l2o/2016/02/13/345-revision-v1/',0,'revision','',0),(388,1,'2016-02-13 15:55:18','2016-02-13 20:55:18','&nbsp;\r\n<div style=\"display: none;\"></div>\r\n<script src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\" type=\"text/javascript\"></script>\r\n<script src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\" type=\"text/javascript\"></script>\r\n\r\n<object id=\"myExperience2025448020001\" class=\"BrightcoveExperience\" width=\"300\" height=\"150\">    <param name=\"bgcolor\" value=\"#FFFFFF\" />    <param name=\"width\" value=\"640\" />    <param name=\"height\" value=\"360\" />    <param name=\"playerID\" value=\"2659807263001\" />    <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />    <param name=\"isVid\" value=\"true\" />    <param name=\"isUI\" value=\"true\" />    <param name=\"dynamicStreaming\" value=\"true\" />    <param name=\"includeAPI\" value=\"true\" />    <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />    <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />    <param name=\"@videoPlayer\" value=\"2025448020001\" />        <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />        <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" />    <param name=\"autoStart\" value=\"false\" />    <param name=\"wmode\" value=\"transparent\" /></object>\r\n\r\n<script type=\"text/javascript\">// <![CDATA[\r\n    brightcove.createExperiences();\r\n// ]]></script>\r\n\r\nTORONTO – Ontario is offering additional incentives to people who buy electric cars, up to a maximum of $14,000.\r\n\r\nCurrent incentives range from $5,000 to $8,500 and the Liberal government announced today that is increasing to a range of $6,000 to $10,000.\r\n\r\n<a href=\"http://www.moneysense.ca/spend/shopping/auto/best-electric-cars/\">Electric cars worth the money » </a>\r\n\r\nDrivers could also get another $3,000 if their vehicle has a larger battery capacity and another $1,000 if the vehicle has five or more seats.\r\n\r\nBut for higher-end vehicles, priced between $75,000 and $150,000 the incentive is capped at $3,000.\r\n\r\nThis announcement is retroactive to Jan. 1, so the Liberals say anyone who bought an electric vehicle already this year can apply.\r\n\r\nThere are currently about 5,800 electric vehicles in Ontario.\r\n\r\n&nbsp;\r\n\r\nThe post <a href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\" rel=\"nofollow\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a href=\"http://www.moneysense.ca/\" rel=\"nofollow\">MoneySense</a>.','Ontario offering up to $14K to electric car buyers','<p>Current incentives range from $5,000 to $8,500</p>\r\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/auto/ontario-offering-up-to-14k-to-electric-car-buyers/\">Ontario offering up to $14K to electric car buyers</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','343-revision-v1','','','2016-02-13 15:55:18','2016-02-13 20:55:18','',343,'http://www.presagemedia.com/l2o/2016/02/13/343-revision-v1/',0,'revision','',0),(389,1,'2016-03-02 17:13:38','2016-03-02 22:13:38','','TSX closes above 13,000 mark for first time this year','','fwpzapped','closed','closed','','','','','2016-03-02 17:13:38','2016-03-02 22:13:38','',0,'http://www.moneysense.ca/?p=148016',0,'post','',0),(390,1,'2016-03-02 17:13:38','2016-03-02 22:13:38','','TSX closes above 13,000 mark for first time this year','','inherit','closed','closed','','389-revision-v1','','','2016-03-02 17:13:38','2016-03-02 22:13:38','',389,'http://feedwordpress.radgeek.com/?rev=ba9dcd4fdf5792c79f122c4a3b854534',0,'revision','',0),(391,1,'2016-03-02 17:07:42','2016-03-02 22:07:42','','More ugly fruits and veggies coming to Loblaw’s stores','','fwpzapped','closed','closed','','','','','2016-03-02 17:07:42','2016-03-02 22:07:42','',0,'http://www.moneysense.ca/?p=148008',0,'post','',0),(392,1,'2016-03-02 17:07:42','2016-03-02 22:07:42','','More ugly fruits and veggies coming to Loblaw’s stores','','inherit','closed','closed','','391-revision-v1','','','2016-03-02 17:07:42','2016-03-02 22:07:42','',391,'http://feedwordpress.radgeek.com/?rev=b3cdac5548e3f854d32fe5e3f7934f1b',0,'revision','',0),(393,1,'2016-03-02 13:38:55','2016-03-02 18:38:55','<p>Believe it or not, but it sometimes pays to heed the financial advice of questionable sources. Here are four baddies who&#8217;ve uttered some surprisingly sound words of wisdom. Sort of. </p>\n<hr>\n<img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01.jpg\" alt=\"(FILES) A picture taken on January 14, 2\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147902\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /> <strong>Bernie Madoff:</strong> &#8220;The best chance for the average investor is to put money in an index fund&#8221; </p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02.jpg\" alt=\"RNIB Gala Dinner - Arrivals\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147904\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /> <strong>Heather Mills:</strong> “If I was a gold digger, I would have a lot of money in my bank account”</p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03.jpg\" alt=\"Donald Trump\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147906\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /><strong>Donald Trump:</strong> “Sometimes the best investments are the ones you don’t make”</p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04.jpg\" alt=\"MONY01_INTEL_TICKER04\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147908\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /><strong>Greedo: </strong>“You should have paid him when you had the chance”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/good-financial-advice-from-bad-people/\">Good financial advice from bad people</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Good financial advice from bad people','<p>Would you trust the Donald\'s investment wisdom? </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/good-financial-advice-from-bad-people/\">Good financial advice from bad people</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-02 13:38:55','2016-03-02 18:38:55','',0,'http://www.moneysense.ca/?p=145744',0,'post','',0),(394,1,'2016-03-02 13:38:55','2016-03-02 18:38:55','<p>Believe it or not, but it sometimes pays to heed the financial advice of questionable sources. Here are four baddies who&#8217;ve uttered some surprisingly sound words of wisdom. Sort of. </p>\n<hr>\n<img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01.jpg\" alt=\"(FILES) A picture taken on January 14, 2\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147902\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER01.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /> <strong>Bernie Madoff:</strong> &#8220;The best chance for the average investor is to put money in an index fund&#8221; </p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02.jpg\" alt=\"RNIB Gala Dinner - Arrivals\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147904\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER02.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /> <strong>Heather Mills:</strong> “If I was a gold digger, I would have a lot of money in my bank account”</p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03.jpg\" alt=\"Donald Trump\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147906\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER03.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /><strong>Donald Trump:</strong> “Sometimes the best investments are the ones you don’t make”</p>\n<hr>\n<p><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04.jpg\" alt=\"MONY01_INTEL_TICKER04\" width=\"200\" height=\"200\" class=\"alignleft size-full wp-image-147908\" srcset=\"http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-150x150.jpg 150w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-32x32.jpg 32w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-64x64.jpg 64w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-96x96.jpg 96w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04-128x128.jpg 128w, http://www.moneysense.ca/wp-content/uploads/2016/03/MONY01_INTEL_TICKER04.jpg 200w\" sizes=\"(max-width: 200px) 100vw, 200px\" /><strong>Greedo: </strong>“You should have paid him when you had the chance”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/good-financial-advice-from-bad-people/\">Good financial advice from bad people</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Good financial advice from bad people','<p>Would you trust the Donald\'s investment wisdom? </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/good-financial-advice-from-bad-people/\">Good financial advice from bad people</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','393-revision-v1','','','2016-03-02 13:38:55','2016-03-02 18:38:55','',393,'http://feedwordpress.radgeek.com/?rev=766c58160114394376de17d6b7c379f8',0,'revision','',0),(395,1,'2016-03-02 11:14:22','2016-03-02 16:14:22','','RRSP contributions hold steady from last year','','fwpzapped','closed','closed','','','','','2016-03-02 11:14:22','2016-03-02 16:14:22','',0,'http://www.moneysense.ca/?p=147856',0,'post','',0),(396,1,'2016-03-02 11:14:22','2016-03-02 16:14:22','','RRSP contributions hold steady from last year','','inherit','closed','closed','','395-revision-v1','','','2016-03-02 11:14:22','2016-03-02 16:14:22','',395,'http://feedwordpress.radgeek.com/?rev=99478f7f81803e956cac44d9f8fa4c6d',0,'revision','',0),(397,1,'2016-03-02 08:00:25','2016-03-02 13:00:25','<p>I occasionally go to the gym. I don’t go regularly, I don’t go consistently and I certainly don’t go automatically. It’s not that I don’t like going to the gym; but, like everyone else’s, my life is busy and my schedule constantly changing. It seems there is always something more pressing that has to get done first. It would be so much easier if I could just transport myself there, <em>Star Trek</em>–style, and then be transported back home once I am finished. It would also be helpful if the transporter could return me from the gym at the precise moment I left, therefore ensuring that my workout consumes none of my valuable time.</p>\n<p>Fortunately, unlike my fitness dilemma, there are options available to help us automate our personal finances. From regular paycheque withdrawals to online billing, you can largely set your financial life on autopilot. But is that always the best choice? It depends largely on whether you are saving or paying. Let’s take a look.</p>\n<p>The most effective way for most of us to save for our futures is to arrange for a pre-determined amount of money to be automatically transferred into a separate account every time we get paid. Depending on what you’re saving for, that money could be transferred into a registered product like a Tax-Free Savings Account (TFSA), a Registered Retirement Savings Account (RRSP), or even into a savings account for shorter term goals like saving for a car. In order for this to work, the saving has to be automatic and it’s best if that automation happens on payday. That way, you are “forcing yourself” to save for your future before you’ve even had a chance to miss the money or more importantly, to spend it. Automatic contributions mean you never miss them. And once set up, they take up none of your time.</p>\n<p>Financial experts have long heralded the virtue of “paying yourself first” for one simple but incredibly powerful reason: It works when, frankly, little else does. Very few people, outside of Jedis, Buddhist Monks and Vulcans, have the self-discipline required to be able to put money away consistently without automating the process. However, once an automatic savings plan is established, people are often shocked to discover how little they miss the money they are now saving. There are examples of people who missed the money so little they completely forgot about their biweekly contributions until they received a statement from their bank showing the thousands of dollars they had accumulated.</p>\n<p>One trick to help you save more is to take advantage whenever you get an increase in your income or when you have a decrease in your expenses. For example, if you get a raise at work that nets you a $40 bump in your weekly pay, why not increase your automatic savings contribution amount by $20, and buy yourself something frilly with the difference? If you previously spent $60 a week on gasoline but now find you’re paying $45 because of the drop in gas prices, why not invest the savings? Combining those two ideas would net you an additional $35 a week, which could generate more than $85,000 in savings over 25 years.</p>\n<p>While automating savings is an idea to be embraced, you probably shouldn’t be quite as enthusiastic about paying your bills this way. Direct withdrawal of your household bills is certainly convenient but it also makes it considerably less likely that you will review those bills carefully for any unwarranted charges or for any opportunities to reduce them.</p>\n<p>Automated payments also make it more difficult to notice any sunken cost expenses—that is, situations where you continue to pay for something you no longer need or use, such as that membership at the gym you signed up for last January but haven’t stepped foot in since April. As well, some organizations, like insurance companies, offer substantial discounts to customers who pay upfront and in full so why not take advantage of those savings and skip the payment program altogether?</p>\n<p>As always, common sense applies: Your mortgage payment should continue to be automated, your credit card bill . . . not so much. In fact, when paying your credit card bill each month, be sure you’re not the one automating the process by hitting submit before carefully reading the statement. Mistakes happen and, unfortunately, so does fraud and you need to be vigilant against both. I once found a charge of $314 on my credit card statement for a purchase of $31.40. When I contacted the retailer, they assured me it was a mistake and it was corrected immediately. Another time, I discovered I had been charged twice for the same purchase. I’ll never know for sure whether or not either incident was truly an error or something more insidious, but I do know that I’m glad I checked my statement.</p>\n<p>Ultimately, putting your finances on cruise control has some fantastic advantages: ease of execution, minimal pain and excellent long-term results. But before you check the box marked “automatic deductions,” be sure it’s truly in your best interest. Now if someone would just transport me to the gym that easily, I would sincerely appreciate it. Energize.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/why-automatic-payments-almost-always-makes-sense/\">Why automatic payments (almost) always makes sense</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why automatic payments (almost) always makes sense','<p>Automatic deductions are smart when paying yourself but less so when paying your credit card bill</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/why-automatic-payments-almost-always-makes-sense/\">Why automatic payments (almost) always makes sense</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-02 08:00:25','2016-03-02 13:00:25','',0,'http://www.moneysense.ca/?p=145698',0,'post','',0),(398,1,'2016-03-02 08:00:25','2016-03-02 13:00:25','<p>I occasionally go to the gym. I don’t go regularly, I don’t go consistently and I certainly don’t go automatically. It’s not that I don’t like going to the gym; but, like everyone else’s, my life is busy and my schedule constantly changing. It seems there is always something more pressing that has to get done first. It would be so much easier if I could just transport myself there, <em>Star Trek</em>–style, and then be transported back home once I am finished. It would also be helpful if the transporter could return me from the gym at the precise moment I left, therefore ensuring that my workout consumes none of my valuable time.</p>\n<p>Fortunately, unlike my fitness dilemma, there are options available to help us automate our personal finances. From regular paycheque withdrawals to online billing, you can largely set your financial life on autopilot. But is that always the best choice? It depends largely on whether you are saving or paying. Let’s take a look.</p>\n<p>The most effective way for most of us to save for our futures is to arrange for a pre-determined amount of money to be automatically transferred into a separate account every time we get paid. Depending on what you’re saving for, that money could be transferred into a registered product like a Tax-Free Savings Account (TFSA), a Registered Retirement Savings Account (RRSP), or even into a savings account for shorter term goals like saving for a car. In order for this to work, the saving has to be automatic and it’s best if that automation happens on payday. That way, you are “forcing yourself” to save for your future before you’ve even had a chance to miss the money or more importantly, to spend it. Automatic contributions mean you never miss them. And once set up, they take up none of your time.</p>\n<p>Financial experts have long heralded the virtue of “paying yourself first” for one simple but incredibly powerful reason: It works when, frankly, little else does. Very few people, outside of Jedis, Buddhist Monks and Vulcans, have the self-discipline required to be able to put money away consistently without automating the process. However, once an automatic savings plan is established, people are often shocked to discover how little they miss the money they are now saving. There are examples of people who missed the money so little they completely forgot about their biweekly contributions until they received a statement from their bank showing the thousands of dollars they had accumulated.</p>\n<p>One trick to help you save more is to take advantage whenever you get an increase in your income or when you have a decrease in your expenses. For example, if you get a raise at work that nets you a $40 bump in your weekly pay, why not increase your automatic savings contribution amount by $20, and buy yourself something frilly with the difference? If you previously spent $60 a week on gasoline but now find you’re paying $45 because of the drop in gas prices, why not invest the savings? Combining those two ideas would net you an additional $35 a week, which could generate more than $85,000 in savings over 25 years.</p>\n<p>While automating savings is an idea to be embraced, you probably shouldn’t be quite as enthusiastic about paying your bills this way. Direct withdrawal of your household bills is certainly convenient but it also makes it considerably less likely that you will review those bills carefully for any unwarranted charges or for any opportunities to reduce them.</p>\n<p>Automated payments also make it more difficult to notice any sunken cost expenses—that is, situations where you continue to pay for something you no longer need or use, such as that membership at the gym you signed up for last January but haven’t stepped foot in since April. As well, some organizations, like insurance companies, offer substantial discounts to customers who pay upfront and in full so why not take advantage of those savings and skip the payment program altogether?</p>\n<p>As always, common sense applies: Your mortgage payment should continue to be automated, your credit card bill . . . not so much. In fact, when paying your credit card bill each month, be sure you’re not the one automating the process by hitting submit before carefully reading the statement. Mistakes happen and, unfortunately, so does fraud and you need to be vigilant against both. I once found a charge of $314 on my credit card statement for a purchase of $31.40. When I contacted the retailer, they assured me it was a mistake and it was corrected immediately. Another time, I discovered I had been charged twice for the same purchase. I’ll never know for sure whether or not either incident was truly an error or something more insidious, but I do know that I’m glad I checked my statement.</p>\n<p>Ultimately, putting your finances on cruise control has some fantastic advantages: ease of execution, minimal pain and excellent long-term results. But before you check the box marked “automatic deductions,” be sure it’s truly in your best interest. Now if someone would just transport me to the gym that easily, I would sincerely appreciate it. Energize.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/why-automatic-payments-almost-always-makes-sense/\">Why automatic payments (almost) always makes sense</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Why automatic payments (almost) always makes sense','<p>Automatic deductions are smart when paying yourself but less so when paying your credit card bill</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/why-automatic-payments-almost-always-makes-sense/\">Why automatic payments (almost) always makes sense</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','397-revision-v1','','','2016-03-02 08:00:25','2016-03-02 13:00:25','',397,'http://feedwordpress.radgeek.com/?rev=d71ffe4827e2f54f59167fb3a8749d28',0,'revision','',0),(399,1,'2016-03-01 16:00:38','2016-03-01 21:00:38','','The best price for a massage','','fwpzapped','closed','closed','','','','','2016-03-01 16:00:38','2016-03-01 21:00:38','',0,'http://www.moneysense.ca/?p=145764',0,'post','',0),(400,1,'2016-03-01 16:00:38','2016-03-01 21:00:38','','The best price for a massage','','inherit','closed','closed','','399-revision-v1','','','2016-03-01 16:00:38','2016-03-01 21:00:38','',399,'http://feedwordpress.radgeek.com/?rev=06e4ae110b0a3f5032e409a5dfbb4c1d',0,'revision','',0),(401,1,'2016-03-01 12:38:36','2016-03-01 17:38:36','','Tax deductible expenses when selling a cottage','','fwpzapped','closed','closed','','','','','2016-03-01 12:38:36','2016-03-01 17:38:36','',0,'http://www.moneysense.ca/?p=147784',0,'post','',0),(402,1,'2016-03-01 12:38:36','2016-03-01 17:38:36','','Tax deductible expenses when selling a cottage','','inherit','closed','closed','','401-revision-v1','','','2016-03-01 12:38:36','2016-03-01 17:38:36','',401,'http://feedwordpress.radgeek.com/?rev=7fe86ddddc8402b83496b3b679e4607c',0,'revision','',0),(403,1,'2016-03-01 10:38:47','2016-03-01 15:38:47','','CPP pension splitting after a divorce','','fwpzapped','closed','closed','','','','','2016-03-03 11:24:47','2016-03-03 16:24:47','',0,'http://www.moneysense.ca/?p=147316',0,'post','',0),(404,1,'2016-03-01 10:38:47','2016-03-01 15:38:47','','CPP pension splitting after a divorce','','inherit','closed','closed','','403-revision-v1','','','2016-03-01 10:38:47','2016-03-01 15:38:47','',403,'http://feedwordpress.radgeek.com/?rev=92afecfa2b539bb2839b6a23107df2cc',0,'revision','',0),(405,1,'2016-03-01 10:18:50','2016-03-01 15:18:50','','BoC warns of email scams claiming to come from bank','','fwpzapped','closed','closed','','','','','2016-03-01 10:18:50','2016-03-01 15:18:50','',0,'http://www.moneysense.ca/?p=147766',0,'post','',0),(406,1,'2016-03-01 10:18:50','2016-03-01 15:18:50','','BoC warns of email scams claiming to come from bank','','inherit','closed','closed','','405-revision-v1','','','2016-03-01 10:18:50','2016-03-01 15:18:50','',405,'http://feedwordpress.radgeek.com/?rev=a1efce101e6c4ab96645cae8343494f7',0,'revision','',0),(407,1,'2016-03-01 09:36:48','2016-03-01 14:36:48','','Skinny basic cable packages are here','','fwpzapped','closed','closed','','','','','2016-03-01 09:36:48','2016-03-01 14:36:48','',0,'http://www.moneysense.ca/?p=147502',0,'post','',0),(408,1,'2016-03-01 09:36:48','2016-03-01 14:36:48','','Skinny basic cable packages are here','','inherit','closed','closed','','407-revision-v1','','','2016-03-01 09:36:48','2016-03-01 14:36:48','',407,'http://feedwordpress.radgeek.com/?rev=ba3206687f4c113320bfc87854a9e95b',0,'revision','',0),(410,1,'2016-03-03 09:41:08','2016-03-03 14:41:08','<p>TORONTO – Toronto and Vancouver will continue to lead luxury home sales in Canada this spring in both volume and price, and mostly for the same reasons they dominated last year, says a new report released Wednesday.</p>\n<p>Sotheby’s International Realty Canada cites macro-economic trends including limited inventory and strong demand from both domestic and international buyers in making its prediction.</p>\n<p>The realtor says the Greater Toronto Area will lead the $1-million-­plus residential real estate market, with continued sales gains and price escalation.</p>\n<p>Notable growth is also expected in Vancouver, especially its top-tier residential market, with increases anticipated in the $4-million-­plus category.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2015-toronto/\">Toronto’s top neighbourhoods » </a></p>\n<p>“Luxury home sales in Toronto and Vancouver will continue to defy gravity this spring,” Brad Henderson, president and CEO of Sotheby’s International Realty Canada, said in a statement.</p>\n<p>“Both markets have the potential for significant gains and we expect heightened demand and insufficient inventory to drive price escalation and sellers’ market conditions.”</p>\n<p>The report said steady economic growth indicators in Quebec have contributed to market balance in Montreal, where sales of top-­tier detached single-family homes, attached homes and condominiums are expected to remain comparable to 2015 levels.</p>\n<p>But continued economic uncertainty in Calgary due to troubles in the oilpatch will increase the number of homes available and contribute to declining prices in both the top-tier and conventional markets in Alberta’s largest city, it said.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2015-top-25-vancouver-neighbourhoods/\">Top 25 Vancouver neighbourhoods to buy in » </a></p>\n<p>The weak Canadian dollar has made real estate more attractive to domestic and foreign buyers. But Sotheby’s says other market fundamentals have had and will continue to have greater impact on the $1 million-­plus real estate market across Canada this spring.</p>\n<p>In Vancouver, the first two months of the year saw sales of homes valued at more than $1 million increase 23 per cent year-­over-­year to 771 units, of which 557 were single-family home sales — a 16 per cent increase.</p>\n<p>While the GTA remains attractive for foreign investors and immigrants, local and domestic demand will remain the primary drivers in that market, according to Sotheby’s.</p>\n<p>Already the Toronto market has seen a 63 per cent, year-over-year increase in sales of $1-million-plus homes — up to 1,646 units, of which 1,486 were single-family homes.</p>\n<p>By comparison, the sale of homes priced $1 million or more rose 23 per cent to just 80 units in Montreal in the first two months of the year. That’s the same number as in Calgary, where the figure represented a one per cent decrease from the same period in 2015.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/luxury-home-sales-in-vancouver-toronto-defy-gravity/\">Home sales in Vancouver, Toronto ‘defy gravity’</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Home sales in Vancouver, Toronto ‘defy gravity’','<p>The weak loonie continues to attract foreign buyers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/luxury-home-sales-in-vancouver-toronto-defy-gravity/\">Home sales in Vancouver, Toronto &lsquo;defy gravity&rsquo;</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-03 09:41:08','2016-03-03 14:41:08','',0,'http://www.moneysense.ca/?p=148032',0,'post','',0),(411,1,'2016-03-03 09:41:08','2016-03-03 14:41:08','<p>TORONTO – Toronto and Vancouver will continue to lead luxury home sales in Canada this spring in both volume and price, and mostly for the same reasons they dominated last year, says a new report released Wednesday.</p>\n<p>Sotheby’s International Realty Canada cites macro-economic trends including limited inventory and strong demand from both domestic and international buyers in making its prediction.</p>\n<p>The realtor says the Greater Toronto Area will lead the $1-million-­plus residential real estate market, with continued sales gains and price escalation.</p>\n<p>Notable growth is also expected in Vancouver, especially its top-tier residential market, with increases anticipated in the $4-million-­plus category.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2015-toronto/\">Toronto’s top neighbourhoods » </a></p>\n<p>“Luxury home sales in Toronto and Vancouver will continue to defy gravity this spring,” Brad Henderson, president and CEO of Sotheby’s International Realty Canada, said in a statement.</p>\n<p>“Both markets have the potential for significant gains and we expect heightened demand and insufficient inventory to drive price escalation and sellers’ market conditions.”</p>\n<p>The report said steady economic growth indicators in Quebec have contributed to market balance in Montreal, where sales of top-­tier detached single-family homes, attached homes and condominiums are expected to remain comparable to 2015 levels.</p>\n<p>But continued economic uncertainty in Calgary due to troubles in the oilpatch will increase the number of homes available and contribute to declining prices in both the top-tier and conventional markets in Alberta’s largest city, it said.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/best-deals-in-real-estate-2015-top-25-vancouver-neighbourhoods/\">Top 25 Vancouver neighbourhoods to buy in » </a></p>\n<p>The weak Canadian dollar has made real estate more attractive to domestic and foreign buyers. But Sotheby’s says other market fundamentals have had and will continue to have greater impact on the $1 million-­plus real estate market across Canada this spring.</p>\n<p>In Vancouver, the first two months of the year saw sales of homes valued at more than $1 million increase 23 per cent year-­over-­year to 771 units, of which 557 were single-family home sales — a 16 per cent increase.</p>\n<p>While the GTA remains attractive for foreign investors and immigrants, local and domestic demand will remain the primary drivers in that market, according to Sotheby’s.</p>\n<p>Already the Toronto market has seen a 63 per cent, year-over-year increase in sales of $1-million-plus homes — up to 1,646 units, of which 1,486 were single-family homes.</p>\n<p>By comparison, the sale of homes priced $1 million or more rose 23 per cent to just 80 units in Montreal in the first two months of the year. That’s the same number as in Calgary, where the figure represented a one per cent decrease from the same period in 2015.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/luxury-home-sales-in-vancouver-toronto-defy-gravity/\">Home sales in Vancouver, Toronto ‘defy gravity’</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Home sales in Vancouver, Toronto ‘defy gravity’','<p>The weak loonie continues to attract foreign buyers</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/luxury-home-sales-in-vancouver-toronto-defy-gravity/\">Home sales in Vancouver, Toronto &lsquo;defy gravity&rsquo;</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','410-revision-v1','','','2016-03-03 09:41:08','2016-03-03 14:41:08','',410,'http://feedwordpress.radgeek.com/?rev=a85e5a1028eb286ac412a7f50ea228fb',0,'revision','',0),(412,1,'2016-03-04 11:02:02','2016-03-04 16:02:02','<p>TORONTO – When Amahl Arulanandam decided to get back into playing guitar in 2014, he turned to Kijiji.</p>\n<p>The online classifieds site helped him score a Jackson guitar for $250 — a steep discount from the $600 he estimates it’s worth.</p>\n<p>Since then, Arulanandam has bought three bicycles using Kijiji. The first turned out to be a dud, but that hasn’t deterred him.</p>\n<p>“I make a reasonable amount of money but it’s not a regular, fixed income,” says the freelance musician.</p>\n<p>“Anywhere that I can save money just to make sure that I’ll have a float for later on, in case I have a dry month, that’s always helpful.”</p>\n<p>The second-hand economy — which includes everything from used goods stores to classified websites to online communities where users can trade goods — provides consumers with an opportunity to save money on their purchases or earn a little extra cash by selling stuff they no longer need.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji? » </a></p>\n<p>With the economy projected to grow at a tepid pace this year, some economists say the number of Canadians participating in this segment of the economy is likely to grow.</p>\n<p>“In every downturn, there are always people that get harder hit that are looking for ways of trying to MacGyver a better quality of life with whatever they’ve got,” says Armine Yalnizyan, a senior economist with the Canadian Centre for Policy Alternatives.</p>\n<p>“And it doesn’t always take money. You can spend less and live well, if you can figure out how to work with others who can trade stuff that you want.”</p>\n<p>According to a report sponsored by Kijiji released earlier this week, roughly 85 per cent of Canadians took part in some form of second-hand transaction last year.</p>\n<p>The report, which polled 5,990 people online, estimates that the second-hand economy contributes as much as $36 billion to Canada’s GDP.</p>\n<p>The Marketing Research and Intelligence Association, the polling industry’s professional body, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<p>While much of the second-hand economy involves purchasing goods outright, there is another component that doesn’t involve money changing hands at all.</p>\n<p>In online bartering communities like <a href=\"http://bunz.com/\" >Bunz Trading Zone</a>, popular amongst millennials, users swap their unwanted items for things that they need.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/get-a-deal-on-used-cars-for-sale/\">How to get a great deal on a used car » </a></p>\n<p>Emily Bitze started the Toronto-based community in 2013 when she was working at a vintage shop and found herself so stretched one day that she couldn’t afford pasta sauce for her spaghetti.</p>\n<p>“I lived paycheque to paycheque,” Bitze recalls. “There were often times where I couldn’t afford to actually buy food.”</p>\n<p>Bitze decided to create a Facebook group where she could trade goods with her friends. Since then, the online community has swelled to more than 30,000 members, and Bitze recently launched a smartphone app. A countrywide expansion and a U.S. launch are in the works.</p>\n<p>Lindsay Tedds, a co-author of the Kijiji study and a professor at the University of Victoria, says most transactions in the second-hand economy represent new economic activity — purchases that wouldn’t have happened otherwise. That means they aren’t detracting from economic growth.</p>\n<p>However, in some instances consumers who would have bought new goods are turning to the second-hand economy instead — a phenomenon that can further fuel the cycle of slow economic growth, says Yalnizyan.</p>\n<p>“If they’re buying used because it’s something they need and can’t afford it new, it will slow down the economy,” Yalnizyan says.</p>\n<p>Bunz partner David Morton says that isn’t the millennial generation’s problem to solve.</p>\n<p>“We’re going to let the economists sort that out,” says Morton.</p>\n<p>“Whoever is to blame for the current economic situation — it’s not us. We’ve just entered the workforce. The people who have been working and voting and being a part of the system since before we were alive, they’re the ones who put us in this position. We’re just taking care of us.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/are-you-contributing-to-kijijis-second-hand-economy/\">Are you contributing to the second-hand economy?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Are you contributing to the second-hand economy?','<p>85% of Canadians bought, sold or traded used goods, Kijiji finds</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/are-you-contributing-to-kijijis-second-hand-economy/\">Are you contributing to the second-hand economy?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-04 11:02:02','2016-03-04 16:02:02','',0,'http://www.moneysense.ca/?p=148072',0,'post','',0),(413,1,'2016-03-04 11:02:02','2016-03-04 16:02:02','<p>TORONTO – When Amahl Arulanandam decided to get back into playing guitar in 2014, he turned to Kijiji.</p>\n<p>The online classifieds site helped him score a Jackson guitar for $250 — a steep discount from the $600 he estimates it’s worth.</p>\n<p>Since then, Arulanandam has bought three bicycles using Kijiji. The first turned out to be a dud, but that hasn’t deterred him.</p>\n<p>“I make a reasonable amount of money but it’s not a regular, fixed income,” says the freelance musician.</p>\n<p>“Anywhere that I can save money just to make sure that I’ll have a float for later on, in case I have a dry month, that’s always helpful.”</p>\n<p>The second-hand economy — which includes everything from used goods stores to classified websites to online communities where users can trade goods — provides consumers with an opportunity to save money on their purchases or earn a little extra cash by selling stuff they no longer need.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/how-does-varagesale-compare-to-kijiji/\">How does VarageSale compare to Kijiji? » </a></p>\n<p>With the economy projected to grow at a tepid pace this year, some economists say the number of Canadians participating in this segment of the economy is likely to grow.</p>\n<p>“In every downturn, there are always people that get harder hit that are looking for ways of trying to MacGyver a better quality of life with whatever they’ve got,” says Armine Yalnizyan, a senior economist with the Canadian Centre for Policy Alternatives.</p>\n<p>“And it doesn’t always take money. You can spend less and live well, if you can figure out how to work with others who can trade stuff that you want.”</p>\n<p>According to a report sponsored by Kijiji released earlier this week, roughly 85 per cent of Canadians took part in some form of second-hand transaction last year.</p>\n<p>The report, which polled 5,990 people online, estimates that the second-hand economy contributes as much as $36 billion to Canada’s GDP.</p>\n<p>The Marketing Research and Intelligence Association, the polling industry’s professional body, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<p>While much of the second-hand economy involves purchasing goods outright, there is another component that doesn’t involve money changing hands at all.</p>\n<p>In online bartering communities like <a href=\"http://bunz.com/\" >Bunz Trading Zone</a>, popular amongst millennials, users swap their unwanted items for things that they need.</p>\n<p><a href=\"http://www.moneysense.ca/spend/shopping/auto/get-a-deal-on-used-cars-for-sale/\">How to get a great deal on a used car » </a></p>\n<p>Emily Bitze started the Toronto-based community in 2013 when she was working at a vintage shop and found herself so stretched one day that she couldn’t afford pasta sauce for her spaghetti.</p>\n<p>“I lived paycheque to paycheque,” Bitze recalls. “There were often times where I couldn’t afford to actually buy food.”</p>\n<p>Bitze decided to create a Facebook group where she could trade goods with her friends. Since then, the online community has swelled to more than 30,000 members, and Bitze recently launched a smartphone app. A countrywide expansion and a U.S. launch are in the works.</p>\n<p>Lindsay Tedds, a co-author of the Kijiji study and a professor at the University of Victoria, says most transactions in the second-hand economy represent new economic activity — purchases that wouldn’t have happened otherwise. That means they aren’t detracting from economic growth.</p>\n<p>However, in some instances consumers who would have bought new goods are turning to the second-hand economy instead — a phenomenon that can further fuel the cycle of slow economic growth, says Yalnizyan.</p>\n<p>“If they’re buying used because it’s something they need and can’t afford it new, it will slow down the economy,” Yalnizyan says.</p>\n<p>Bunz partner David Morton says that isn’t the millennial generation’s problem to solve.</p>\n<p>“We’re going to let the economists sort that out,” says Morton.</p>\n<p>“Whoever is to blame for the current economic situation — it’s not us. We’ve just entered the workforce. The people who have been working and voting and being a part of the system since before we were alive, they’re the ones who put us in this position. We’re just taking care of us.”</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/are-you-contributing-to-kijijis-second-hand-economy/\">Are you contributing to the second-hand economy?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Are you contributing to the second-hand economy?','<p>85% of Canadians bought, sold or traded used goods, Kijiji finds</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/are-you-contributing-to-kijijis-second-hand-economy/\">Are you contributing to the second-hand economy?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','412-revision-v1','','','2016-03-04 11:02:02','2016-03-04 16:02:02','',412,'http://feedwordpress.radgeek.com/?rev=df648d501fecc1218223d901d9275adf',0,'revision','',0),(414,1,'2016-03-04 09:33:37','2016-03-04 14:33:37','','1 in 4 Canadians see issues in their neighbourhood','','fwpzapped','closed','closed','','','','','2016-03-04 09:33:37','2016-03-04 14:33:37','',0,'http://www.moneysense.ca/?p=147846',0,'post','',0),(415,1,'2016-03-04 09:33:37','2016-03-04 14:33:37','','1 in 4 Canadians see issues in their neighbourhood','','inherit','closed','closed','','414-revision-v1','','','2016-03-04 09:33:37','2016-03-04 14:33:37','',414,'http://feedwordpress.radgeek.com/?rev=490d914b0667ae3ed5c11ce3fd465809',0,'revision','',0),(416,1,'2016-03-03 11:28:40','2016-03-03 16:28:40','','Don’t procrastinate writing a will, experts say','','fwpzapped','closed','closed','','','','','2016-03-03 11:28:40','2016-03-03 16:28:40','',0,'http://www.moneysense.ca/?p=148044',0,'post','',0),(417,1,'2016-03-03 11:28:40','2016-03-03 16:28:40','','Don’t procrastinate writing a will, experts say','','inherit','closed','closed','','416-revision-v1','','','2016-03-03 11:28:40','2016-03-03 16:28:40','',416,'http://feedwordpress.radgeek.com/?rev=a0206879303d7bc260a7260a91bfca58',0,'revision','',0),(418,1,'2016-03-03 11:24:47','2016-03-03 16:24:47','','CPP pension splitting after a divorce','','inherit','closed','closed','','403-revision-v1','','','2016-03-03 11:24:47','2016-03-03 16:24:47','',403,'http://feedwordpress.radgeek.com/?rev=92afecfa2b539bb2839b6a23107df2cc',0,'revision','',0),(419,1,'2016-03-03 04:00:54','2016-03-03 09:00:54','','Going big in a tiny space','','fwpzapped','closed','closed','','','','','2016-03-03 04:00:54','2016-03-03 09:00:54','',0,'http://www.moneysense.ca/?p=145762',0,'post','',0),(420,1,'2016-03-03 04:00:54','2016-03-03 09:00:54','','Going big in a tiny space','','inherit','closed','closed','','419-revision-v1','','','2016-03-03 04:00:54','2016-03-03 09:00:54','',419,'http://feedwordpress.radgeek.com/?rev=7862bd767724bd9a9485a0a4459b3891',0,'revision','',0),(421,1,'2016-03-05 11:05:39','2016-03-05 16:05:39','Details are coming soon.  In the meantime if you want to know more about our lease-to-own','Home Buying','','inherit','closed','closed','','28-autosave-v1','','','2016-03-05 11:05:39','2016-03-05 16:05:39','',28,'http://www.presagemedia.com/l2o/2016/03/05/28-autosave-v1/',0,'revision','',0),(422,1,'2016-03-05 11:06:44','2016-03-05 16:06:44','Details are coming soon.  In the meantime if you want to know more about our lease-to-own program please contact us and we\'ll get back to you as soon as possible.','Home Buying','','inherit','closed','closed','','28-revision-v1','','','2016-03-05 11:06:44','2016-03-05 16:06:44','',28,'http://www.presagemedia.com/l2o/2016/03/05/28-revision-v1/',0,'revision','',0),(423,1,'2016-03-07 08:00:04','2016-03-07 13:00:04','<p><strong>Q:</strong> I’d like to give my children about $100,000 as a cash gift to get it out of my estate and away from the tax man. Is it possible?</p>\n<p><em>—B &amp; R, Kelowna, B.C.</em></p>\n<p><strong>A:</strong> Cash is king when it comes to passing a gift to your kids. “There will be no tax payable on the gift by either the donor or donee as Canada doesn’t have gift or estate tax,” says Grace Chow, a tax specialist at Cadesky and Associates in Toronto. However, if the gift is in the form of an asset, like a cottage, the asset will be deemed to be disposed at fair market value and you will owe tax on 50% of the appreciable gains. I wouldn’t call it a tax grab, but I think you might.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/gifting-cash-to-family-members/\">Gifting cash to family members</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Gifting cash to family members','<p>Here\'s why this maneuver lets you avoid the tax man</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/gifting-cash-to-family-members/\">Gifting cash to family members</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-07 08:00:04','2016-03-07 13:00:04','',0,'http://www.moneysense.ca/?p=148088',0,'post','',0),(424,1,'2016-03-07 08:00:04','2016-03-07 13:00:04','<p><strong>Q:</strong> I’d like to give my children about $100,000 as a cash gift to get it out of my estate and away from the tax man. Is it possible?</p>\n<p><em>—B &amp; R, Kelowna, B.C.</em></p>\n<p><strong>A:</strong> Cash is king when it comes to passing a gift to your kids. “There will be no tax payable on the gift by either the donor or donee as Canada doesn’t have gift or estate tax,” says Grace Chow, a tax specialist at Cadesky and Associates in Toronto. However, if the gift is in the form of an asset, like a cottage, the asset will be deemed to be disposed at fair market value and you will owe tax on 50% of the appreciable gains. I wouldn’t call it a tax grab, but I think you might.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/gifting-cash-to-family-members/\">Gifting cash to family members</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Gifting cash to family members','<p>Here\'s why this maneuver lets you avoid the tax man</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/taxes/gifting-cash-to-family-members/\">Gifting cash to family members</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','423-revision-v1','','','2016-03-07 08:00:04','2016-03-07 13:00:04','',423,'http://feedwordpress.radgeek.com/?rev=b34bc959ae152ca7ac36ff9d140e973d',0,'revision','',0),(425,1,'2016-03-07 11:34:03','2016-03-07 16:34:03','<p>OTTAWA – A new report by investment firm BlackRock suggests most women lack confidence when it comes to making decisions on investing.</p>\n<p>“We are seeing more and more women categorize themselves as savers versus investors and they’re sitting on the sidelines in cash,” says Karrie Van Belle, managing director at BlackRock Canada.</p>\n<p>“Over time, cash is likely not going to get you where you need to get to for your retirement.”</p>\n<p>The BlackRock survey found that of those polled who have started saving, men have saved nearly double what women have.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/women-lag-in-retirement-planning/\">Why women lag in retirement planning » </a></p>\n<p>“What we need to be helping women do is have a bit more confidence to take those first steps, ask those questions, get invested and understand the priority they need to put behind it,” she said.</p>\n<p>The poll found 44 per cent of women reported confidence in their financial decision-making, compared to 55 per cent of men.</p>\n<p>As women get older, however, they gain confidence in their financial savvy and close the gap with men. By the time are in the 65-74 bracket, 67 per cent of women are confident in their investing decisions while 68 per cent of men are.</p>\n<p>The survey found 78 per cent of women identified themselves as savers compared with 22 per cent who thought of themselves as investors.</p>\n<p>It also found that 63 per cent of women stated they are “not knowledgeable about investments.” Women were also more likely than men to agree with the statement that they needed more information before they were willing to invest.</p>\n<p>The results were based on BlackRock’s Global Investor Pulse online survey that interviewed more than 31,100 respondents around the world, including 2,000 in Canada between July and August 2015.</p>\n<p>The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/lack-of-confidence-keeping-women-from-investing/\">Lack of confidence keeping women from investing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Lack of confidence keeping women from investing','<p>78% of women identified themselves as savers </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/lack-of-confidence-keeping-women-from-investing/\">Lack of confidence keeping women from investing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-07 11:34:03','2016-03-07 16:34:03','',0,'http://www.moneysense.ca/?p=148848',0,'post','',0),(426,1,'2016-03-07 11:34:03','2016-03-07 16:34:03','<p>OTTAWA – A new report by investment firm BlackRock suggests most women lack confidence when it comes to making decisions on investing.</p>\n<p>“We are seeing more and more women categorize themselves as savers versus investors and they’re sitting on the sidelines in cash,” says Karrie Van Belle, managing director at BlackRock Canada.</p>\n<p>“Over time, cash is likely not going to get you where you need to get to for your retirement.”</p>\n<p>The BlackRock survey found that of those polled who have started saving, men have saved nearly double what women have.</p>\n<p><a href=\"http://www.moneysense.ca/save/financial-planning/women-lag-in-retirement-planning/\">Why women lag in retirement planning » </a></p>\n<p>“What we need to be helping women do is have a bit more confidence to take those first steps, ask those questions, get invested and understand the priority they need to put behind it,” she said.</p>\n<p>The poll found 44 per cent of women reported confidence in their financial decision-making, compared to 55 per cent of men.</p>\n<p>As women get older, however, they gain confidence in their financial savvy and close the gap with men. By the time are in the 65-74 bracket, 67 per cent of women are confident in their investing decisions while 68 per cent of men are.</p>\n<p>The survey found 78 per cent of women identified themselves as savers compared with 22 per cent who thought of themselves as investors.</p>\n<p>It also found that 63 per cent of women stated they are “not knowledgeable about investments.” Women were also more likely than men to agree with the statement that they needed more information before they were willing to invest.</p>\n<p>The results were based on BlackRock’s Global Investor Pulse online survey that interviewed more than 31,100 respondents around the world, including 2,000 in Canada between July and August 2015.</p>\n<p>The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error because they do not randomly sample the population.</p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/lack-of-confidence-keeping-women-from-investing/\">Lack of confidence keeping women from investing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Lack of confidence keeping women from investing','<p>78% of women identified themselves as savers </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/lack-of-confidence-keeping-women-from-investing/\">Lack of confidence keeping women from investing</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','425-revision-v1','','','2016-03-07 11:34:03','2016-03-07 16:34:03','',425,'http://feedwordpress.radgeek.com/?rev=0f99c92f0a795db0d1be6419322a1db1',0,'revision','',0),(427,1,'2016-03-07 10:39:10','2016-03-07 15:39:10','<p><strong>Q:</strong> My sister is the executor of my mother’s will and I’m expecting an inheritance. But it’s been more than two years and I haven’t received anything. My sister isn’t telling me anything. What are my rights to disclosure? Do I just wait, wondering what the hell is going on?</p>\n<p><em>— Livid in London, Ont.</em></p>\n<p><strong>A:</strong> Absolutely not, says Barry Corbin, a Toronto-based estates lawyer. “Beneficiaries have important rights of disclosure—known as accounting.” Among other things, this includes what assets the executor started with, what assets were sold, details of all amounts received and paid out, and what is available for distribution to the beneficiaries. If your sister has a lawyer assisting her with her executor duties, you should be able to contact that lawyer for answers, says Corbin. But if you’re being stymied in all efforts to obtain information, “there are formal procedures to force an accounting that a good estate litigation lawyer can initiate,” he advises.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Still waiting on that inheritance?','<p>Beneficiaries have important rights of disclosure</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-07 10:39:10','2016-03-07 15:39:10','',0,'http://www.moneysense.ca/?p=145720',0,'post','',0),(428,1,'2016-03-07 10:39:10','2016-03-07 15:39:10','<p><strong>Q:</strong> My sister is the executor of my mother’s will and I’m expecting an inheritance. But it’s been more than two years and I haven’t received anything. My sister isn’t telling me anything. What are my rights to disclosure? Do I just wait, wondering what the hell is going on?</p>\n<p><em>— Livid in London, Ont.</em></p>\n<p><strong>A:</strong> Absolutely not, says Barry Corbin, a Toronto-based estates lawyer. “Beneficiaries have important rights of disclosure—known as accounting.” Among other things, this includes what assets the executor started with, what assets were sold, details of all amounts received and paid out, and what is available for distribution to the beneficiaries. If your sister has a lawyer assisting her with her executor duties, you should be able to contact that lawyer for answers, says Corbin. But if you’re being stymied in all efforts to obtain information, “there are formal procedures to force an accounting that a good estate litigation lawyer can initiate,” he advises.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Still waiting on that inheritance?','<p>Beneficiaries have important rights of disclosure</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','427-revision-v1','','','2016-03-07 10:39:10','2016-03-07 15:39:10','',427,'http://feedwordpress.radgeek.com/?rev=0df0fd668633f2bc3c87027fab76f52b',0,'revision','',0),(429,1,'2016-03-07 10:39:10','2016-03-07 15:39:10','<p><strong>Q:</strong> My sister is the executor of my mother’s will and I’m expecting an inheritance. But it’s been more than two years and I haven’t received anything. My sister isn’t telling me anything. What are my rights to disclosure? Do I just wait, wondering what the hell is going on?</p>\n<p><em>— Livid in London, Ont.</em></p>\n<p><strong>A:</strong> Absolutely not, says Barry Corbin, a Toronto-based estates lawyer. “Beneficiaries have important rights of disclosure—known as accounting.” Among other things, this includes what assets the executor started with, what assets were sold, details of all amounts received and paid out, and what is available for distribution to the beneficiaries. If your sister has a lawyer assisting her with her executor duties, you should be able to contact that lawyer for answers, says Corbin. But if you’re being stymied in all efforts to obtain information, “there are formal procedures to force an accounting that a good estate litigation lawyer can initiate,” he advises.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Still waiting on that inheritance?','<p>Beneficiaries have important rights of disclosure</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/magazine-archive/what-you-need-to-know-about-inheritance-rights/\">Still waiting on that inheritance?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','427-revision-v1','','','2016-03-07 10:39:10','2016-03-07 15:39:10','',427,'http://feedwordpress.radgeek.com/?rev=0df0fd668633f2bc3c87027fab76f52b',0,'revision','',0),(430,1,'2016-03-08 10:54:36','2016-03-08 15:54:36','<p><strong>Q: </strong>I&#8217;m 21 and I&#8217;m currently purchasing a home in Calgary for $300,000. I can afford to put roughly $1,500 away per month after all my expenses and mortgage payments. I was unsure as to whether I should attempt to pay down my mortgage (2.7%, five-year fixed) or instead invest the money and accrue roughly 6%-8% annually.</p>\n<p>I was leaning more towards the investment route as I am young and will be using the property as a rental when I decide to leave.</p>\n<p><em>—Liam</em></p>\n<p><strong>A: </strong>Congratulations on your first home, Liam! That is quite the accomplishment at 21 years of age. I’ll try to touch on a number of points.</p>\n<p>First off, I will warn you to be generous in your budgeting when you buy your first home. There are often more costs than you might otherwise suspect when you first move in, ranging from utility connection fees to repairs to furniture you didn’t realize you needed. Secondly, the ongoing costs of home ownership can be higher than expected and pop up when you least expect them–like a new furnace, an electrical issue or a broken tile.</p>\n<p>So be lenient with your $1,500 monthly savings target. You may want to set aside some cash or ensure that you have access to a low-rate line of credit in the event of just such an emergency.</p>\n<p>If you are a conservative investor, debt repayment with your extra cash flow may not be a bad thing, especially at a young age when you may not know exactly what the future holds. Committing to debt repayment instead of RRSPs or TFSAs at 21 is not a lifelong commitment. And avoiding interest to me is similar to earning a return on an investment, albeit a low one these days.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>If you are a moderate or aggressive investor, I would like to hope that you can “beat” the rate on your mortgage and invest at higher than the 2.7% rate you’re paying on your debt over the next 5 years. The problem, however, is that you may not know what you’re saving for, even if you think you know.</p>\n<p>I feel a bit like I’m turning into my father here, but when I was 21, I thought I knew what my future held. After a hundred or so changes of direction, I am where I am now at 37. So the best intentions to save for retirement at 21 may turn into a stint of unemployment, three months in Brazil, an engagement ring, a wedding and so on. The point is you might not have a 50-year investment time horizon like the mutual fund companies tell you that you do–it might be considerably less, suggesting caution with your allocation to risky assets like stocks.</p>\n<p>I would be inclined to save with only a moderate amount of risk in your TFSA with your extra cash flow – and not for the reason that you might otherwise suspect.</p>\n<p>If you expect that you will be moving from your current home in the coming years and keeping it as a rental property, you may be better off not paying down the existing mortgage much. This is because when you convert it to a rental property, the interest will be tax-deductible. And since it’s unlikely that you’ll save enough money any time soon to buy your next house with cash and no debt, you’re going to have another mortgage anyway.</p>\n<p>The higher your rental property mortgage – and consequently, the lower your new mortgage because you have a bigger downpayment in the first place–the more tax deductible debt and interest you will have on your tax return. The rental property interest will be tax deductible, so I’d rather see you with the least amount of non-tax deductible debt as possible on the new home.</p>\n<p>Some people think that the tax deductibility of their debt relates to the fact that a mortgage is on their rental property and will borrow their downpayment for another home against their rental property. This won’t work, as the purpose of this incremental debt was not for the rental property itself–it is the use of funds that decides the deductibility of the interest.</p>\n<p>TFSA savings in your 20s will provide you with a lot of options–ranging from another down payment to debt repayment if interest rates jump to RRSP contributions when your income is higher.</p>\n<p>In summary, I think your decision to invest instead of paying down debt is ok in this instance. I also gather that you are fiscally responsible if you have purchased a home at such a young age and have bought below your means – with $1,500 in extra monthly cash flow to spare. This suggests to me that you can use your debt strategically and invest instead of paying down debt.</p>\n<p>Just don’t fool yourself into thinking that the money you save when you’re 21 is actually going to be used to buy dentures when you’re 81. You will have a lot of other twists, turns and expenses that happen between now and then for which you may need your savings – take it from an old man like me.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Cash flow conundrum: Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Cash flow conundrum: Pay down the mortgage or invest?','<p>Liam has a house that he\'s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Cash flow conundrum: Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-08 10:54:36','2016-03-08 15:54:36','',0,'http://www.moneysense.ca/?p=149116',0,'post','',0),(431,1,'2016-03-08 10:54:36','2016-03-08 15:54:36','<p><strong>Q: </strong>I&#8217;m 21 and I&#8217;m currently purchasing a home in Calgary for $300,000. I can afford to put roughly $1,500 away per month after all my expenses and mortgage payments. I was unsure as to whether I should attempt to pay down my mortgage (2.7%, five-year fixed) or instead invest the money and accrue roughly 6%-8% annually.</p>\n<p>I was leaning more towards the investment route as I am young and will be using the property as a rental when I decide to leave.</p>\n<p><em>—Liam</em></p>\n<p><strong>A: </strong>Congratulations on your first home, Liam! That is quite the accomplishment at 21 years of age. I’ll try to touch on a number of points.</p>\n<p>First off, I will warn you to be generous in your budgeting when you buy your first home. There are often more costs than you might otherwise suspect when you first move in, ranging from utility connection fees to repairs to furniture you didn’t realize you needed. Secondly, the ongoing costs of home ownership can be higher than expected and pop up when you least expect them–like a new furnace, an electrical issue or a broken tile.</p>\n<p>So be lenient with your $1,500 monthly savings target. You may want to set aside some cash or ensure that you have access to a low-rate line of credit in the event of just such an emergency.</p>\n<p>If you are a conservative investor, debt repayment with your extra cash flow may not be a bad thing, especially at a young age when you may not know exactly what the future holds. Committing to debt repayment instead of RRSPs or TFSAs at 21 is not a lifelong commitment. And avoiding interest to me is similar to earning a return on an investment, albeit a low one these days.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>If you are a moderate or aggressive investor, I would like to hope that you can “beat” the rate on your mortgage and invest at higher than the 2.7% rate you’re paying on your debt over the next 5 years. The problem, however, is that you may not know what you’re saving for, even if you think you know.</p>\n<p>I feel a bit like I’m turning into my father here, but when I was 21, I thought I knew what my future held. After a hundred or so changes of direction, I am where I am now at 37. So the best intentions to save for retirement at 21 may turn into a stint of unemployment, three months in Brazil, an engagement ring, a wedding and so on. The point is you might not have a 50-year investment time horizon like the mutual fund companies tell you that you do–it might be considerably less, suggesting caution with your allocation to risky assets like stocks.</p>\n<p>I would be inclined to save with only a moderate amount of risk in your TFSA with your extra cash flow – and not for the reason that you might otherwise suspect.</p>\n<p>If you expect that you will be moving from your current home in the coming years and keeping it as a rental property, you may be better off not paying down the existing mortgage much. This is because when you convert it to a rental property, the interest will be tax-deductible. And since it’s unlikely that you’ll save enough money any time soon to buy your next house with cash and no debt, you’re going to have another mortgage anyway.</p>\n<p>The higher your rental property mortgage – and consequently, the lower your new mortgage because you have a bigger downpayment in the first place–the more tax deductible debt and interest you will have on your tax return. The rental property interest will be tax deductible, so I’d rather see you with the least amount of non-tax deductible debt as possible on the new home.</p>\n<p>Some people think that the tax deductibility of their debt relates to the fact that a mortgage is on their rental property and will borrow their downpayment for another home against their rental property. This won’t work, as the purpose of this incremental debt was not for the rental property itself–it is the use of funds that decides the deductibility of the interest.</p>\n<p>TFSA savings in your 20s will provide you with a lot of options–ranging from another down payment to debt repayment if interest rates jump to RRSP contributions when your income is higher.</p>\n<p>In summary, I think your decision to invest instead of paying down debt is ok in this instance. I also gather that you are fiscally responsible if you have purchased a home at such a young age and have bought below your means – with $1,500 in extra monthly cash flow to spare. This suggests to me that you can use your debt strategically and invest instead of paying down debt.</p>\n<p>Just don’t fool yourself into thinking that the money you save when you’re 21 is actually going to be used to buy dentures when you’re 81. You will have a lot of other twists, turns and expenses that happen between now and then for which you may need your savings – take it from an old man like me.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Cash flow conundrum: Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Cash flow conundrum: Pay down the mortgage or invest?','<p>Liam has a house that he\'s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Cash flow conundrum: Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','430-revision-v1','','','2016-03-08 10:54:36','2016-03-08 15:54:36','',430,'http://feedwordpress.radgeek.com/?rev=718e48845cbb97521549d912980d2eb0',0,'revision','',0),(432,1,'2016-03-08 17:52:07','2016-03-08 22:52:07','<p>VANCOUVER – Vancouver’s rate of vacant homes is in line with other big cities and has been flat since 2002, but the vast majority of empty units are condominiums, a landmark study has found.</p>\n<p>City staff and software company Ecotagious Inc. examined the electricity consumption of 225,000 homes in Vancouver over 12 years in response to growing public concerns that empty homes were driving up prices and leaving some neighbourhoods nearly abandoned.</p>\n<p>The study, presented to city council Tuesday, found the residential non-occupancy rate was 4.9 per cent in 2002 and 4.8 per cent in 2014, although the number of empty units rose from 8,400 to 10,800 due to overall growth in housing stock.</p>\n<p>Ninety per cent of vacant units were apartments. Apartments for rent had a vacancy rate of close to zero, while condominiums that are owned and not available for rent had a whopping 12.5 per cent vacancy rate in 2014.</p>\n<p>“We know that there are thousands of units of empty homes that potentially could be available for rental, when we have one of the tightest rental markets in the world,” Mayor Gregor Robertson told council after the presentation.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/why-are-condos-still-being-built/\" >Why are condos still being built in Vancouver?</a></p>\n<p>“This could be a great new supply of housing — thousands of units that could be available and also generate revenue for their owners.”</p>\n<p>Council unanimously passed a motion for the mayor to write to Premier Christy Clark to reiterate a request made in May 2015 for municipalities to have the legal tools to track property ownership and ensure timely occupancy of empty units.</p>\n<p>The motion also asked staff to report back this year with recommendations for specific policy and regulatory steps the city, province or federal government could take to address empty homes based on consultation with experts and residents.</p>\n<p>The report effectively dispels the notion that investors are buying single-family homes in Vancouver and leaving them empty, driving up prices and reducing supply.</p>\n<p>City housing planner Matthew Bourke said there doesn’t appear to be a correlation between empty homes and housing prices, given that the vacancy rate remained flat while prices skyrocketed.</p>\n<p>Single-family and duplex housing units showed low and relatively stable non-occupancy rates of one per cent between 2002 and 2014, the report found.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/rbc-housing-affordability-plummets-in-toronto-vancouver/\" >Housing affordability in Vancouver plummets: RBC</a></p>\n<p>Bourke told council that about 70 per cent of single-family homes marked as vacant in 2014 were found to be waiting for a renovation permit.</p>\n<p>Coun. Kerry Jang said the report raises the question of whether the idea that foreign buyers are parking their money in Vancouver is really just a “myth.”</p>\n<p>“If it was foreign buyers, you would see spikes all over the place or in particular parts of town, but it’s all really just condos,” he said.</p>\n<p>The geographical region of Vancouver that includes the pricey west side had the highest overall non-occupancy rate at 7.4 per cent, while the rate downtown was six per cent.</p>\n<p>The study was completed using anonymous BC Hydro data from 225,000 out of the approximately 280,000 homes in Vancouver.</p>\n<p>A vacant home shows less variability in electricity use on a day-to-day basis. A home was categorized as vacant for one year if it registered as unoccupied for each of four months when heat isn’t used — August, September and the following June and July.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/most-of-vancouvers-empty-units-are-condos-study/\">Most of Vancouver’s empty units are condos: study</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Most of Vancouver’s empty units are condos: study','<p>90% of vacant units were apartments</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/most-of-vancouvers-empty-units-are-condos-study/\">Most of Vancouver&rsquo;s empty units are condos: study</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-08 17:52:07','2016-03-08 22:52:07','',0,'http://www.moneysense.ca/?p=149412',0,'post','',0),(433,1,'2016-03-08 17:52:07','2016-03-08 22:52:07','<p>VANCOUVER – Vancouver’s rate of vacant homes is in line with other big cities and has been flat since 2002, but the vast majority of empty units are condominiums, a landmark study has found.</p>\n<p>City staff and software company Ecotagious Inc. examined the electricity consumption of 225,000 homes in Vancouver over 12 years in response to growing public concerns that empty homes were driving up prices and leaving some neighbourhoods nearly abandoned.</p>\n<p>The study, presented to city council Tuesday, found the residential non-occupancy rate was 4.9 per cent in 2002 and 4.8 per cent in 2014, although the number of empty units rose from 8,400 to 10,800 due to overall growth in housing stock.</p>\n<p>Ninety per cent of vacant units were apartments. Apartments for rent had a vacancy rate of close to zero, while condominiums that are owned and not available for rent had a whopping 12.5 per cent vacancy rate in 2014.</p>\n<p>“We know that there are thousands of units of empty homes that potentially could be available for rental, when we have one of the tightest rental markets in the world,” Mayor Gregor Robertson told council after the presentation.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/why-are-condos-still-being-built/\" >Why are condos still being built in Vancouver?</a></p>\n<p>“This could be a great new supply of housing — thousands of units that could be available and also generate revenue for their owners.”</p>\n<p>Council unanimously passed a motion for the mayor to write to Premier Christy Clark to reiterate a request made in May 2015 for municipalities to have the legal tools to track property ownership and ensure timely occupancy of empty units.</p>\n<p>The motion also asked staff to report back this year with recommendations for specific policy and regulatory steps the city, province or federal government could take to address empty homes based on consultation with experts and residents.</p>\n<p>The report effectively dispels the notion that investors are buying single-family homes in Vancouver and leaving them empty, driving up prices and reducing supply.</p>\n<p>City housing planner Matthew Bourke said there doesn’t appear to be a correlation between empty homes and housing prices, given that the vacancy rate remained flat while prices skyrocketed.</p>\n<p>Single-family and duplex housing units showed low and relatively stable non-occupancy rates of one per cent between 2002 and 2014, the report found.</p>\n<p><a href=\"http://www.moneysense.ca/spend/real-estate/rbc-housing-affordability-plummets-in-toronto-vancouver/\" >Housing affordability in Vancouver plummets: RBC</a></p>\n<p>Bourke told council that about 70 per cent of single-family homes marked as vacant in 2014 were found to be waiting for a renovation permit.</p>\n<p>Coun. Kerry Jang said the report raises the question of whether the idea that foreign buyers are parking their money in Vancouver is really just a “myth.”</p>\n<p>“If it was foreign buyers, you would see spikes all over the place or in particular parts of town, but it’s all really just condos,” he said.</p>\n<p>The geographical region of Vancouver that includes the pricey west side had the highest overall non-occupancy rate at 7.4 per cent, while the rate downtown was six per cent.</p>\n<p>The study was completed using anonymous BC Hydro data from 225,000 out of the approximately 280,000 homes in Vancouver.</p>\n<p>A vacant home shows less variability in electricity use on a day-to-day basis. A home was categorized as vacant for one year if it registered as unoccupied for each of four months when heat isn’t used — August, September and the following June and July.</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/most-of-vancouvers-empty-units-are-condos-study/\">Most of Vancouver’s empty units are condos: study</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Most of Vancouver’s empty units are condos: study','<p>90% of vacant units were apartments</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/real-estate/most-of-vancouvers-empty-units-are-condos-study/\">Most of Vancouver&rsquo;s empty units are condos: study</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','432-revision-v1','','','2016-03-08 17:52:07','2016-03-08 22:52:07','',432,'http://feedwordpress.radgeek.com/?rev=55b87e3f3aa44d67613062e4a5fe3b61',0,'revision','',0),(434,1,'2016-03-08 17:14:27','2016-03-08 22:14:27','','Which Canadian woman should be on our bank note?','','inherit','closed','closed','','226-revision-v1','','','2016-03-08 17:14:27','2016-03-08 22:14:27','',226,'http://feedwordpress.radgeek.com/?rev=99ca342bafc4eb2a1ad1d37ec57fe6c6',0,'revision','',0),(435,1,'2016-03-08 14:23:42','2016-03-08 19:23:42','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT2M6S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience4724336933001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4724336933001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p>How long should a sweatshirt last? Is it fair to expect a comfy hoodie you scored for $18 last winter to be just as good to go this February? Instead, the fabric has pilled, the colour has faded and the elbows are threadbare. It’s part of what Elizabeth L. Cline, the author of <em>Overdressed: The Shockingly High Cost of Cheap Fashion</em>, calls the “buy-and-toss” cycle. In the long run, buying a cheap hoodie each winter costs you a lot more than just buying a good one. Flint and Tinder’s 10-Year Hoodie ($99 huckberry.com) was designed to outlast its competition: U.S.-made, 18-oz fleece; special twill-taped safety seams, in which the fabric is over-lapped and double-stitched; and brass zippers and hardware throughout. But the best thing is Flint and Tinder’s guarantee to mend it free of charge: “If at any time in the next decade it rips, tears or otherwise comes apart at the seams, we hope you’ll send it back to us.” The truest testimonial? The brand routinely sells out of sizes and colours, with fans bragging online that they’re waiting for the opportunity to purchase a second or third 10-Year Hoodie.</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\">A hoodie you’ll still be wearing in 2026</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','A hoodie you’ll still be wearing in 2026','<p>This sweatshirt comes with a lifetime guarantee</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\">A hoodie you&rsquo;ll still be wearing in 2026</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-08 14:23:42','2016-03-08 19:23:42','',0,'http://www.moneysense.ca/?p=145754',0,'post','',0),(436,1,'2016-03-08 14:23:42','2016-03-08 19:23:42','<div itemscope=\"itemscope\" itemtype=\"http://schema.org/VideoObject\">\n\n        <meta itemprop=\"duration\" content=\"PT2M6S\" />\n        <meta itemprop=\"description\" content=\"\" />\n    \n    <div style=\"display: none;\"></div>\n\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/BrightcoveExperiences.js\"></script>\n    <script type=\"text/javascript\" src=\"http://admin.brightcove.com/js/api/SmartPlayerAPI.js\"></script>\n\n    <object id=\"myExperience4724336933001\" class=\"BrightcoveExperience\">\n        <param name=\"bgcolor\" value=\"#FFFFFF\" />\n        <param name=\"width\" value=\"640\" />\n        <param name=\"height\" value=\"360\" />\n        <param name=\"playerID\" value=\"2659807263001\" />\n        <param name=\"playerKey\" value=\"AQ~~,AAAAAyz2WOE~,aVUQ6mHrguBSAk3aprArcQ8EfouzY6bY\" />\n        <param name=\"isVid\" value=\"true\" />\n        <param name=\"isUI\" value=\"true\" />\n        <param name=\"dynamicStreaming\" value=\"true\" />\n        <param name=\"includeAPI\" value=\"true\" />\n        <param name=\"templateLoadHandler\" value=\"onTemplateLoad\" />\n        <param name=\"templateReadyHandler\" value=\"onTemplateReady\" />\n        <param name=\"@videoPlayer\" value=\"4724336933001\" />\n                <param name=\"adServerURL\" value=\"http://pubads.g.doubleclick.net/gampad/ads?sz=640x360&amp;iu=%2F7326%2Frogers.publishing%2Fmoneysense.CPGBusiness%2Fvideos&amp;ciu_szs=728x90%2C300x250&amp;impl=s&amp;gdfp_req=1&amp;env=vp&amp;output=xml_vast2&amp;ad_rule=1&amp;unviewed_position_start=1&amp;cmsid=1464\" />\n                <param name=\"linkBaseURL\" value=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\" />\n        <param name=\"autoStart\" value=\"false\" />\n        <param name=\"wmode\" value=\"transparent\" />\n    </object>\n\n</div>\n\n<script type=\"text/javascript\">\n    brightcove.createExperiences();\n</script>\n\n<p>How long should a sweatshirt last? Is it fair to expect a comfy hoodie you scored for $18 last winter to be just as good to go this February? Instead, the fabric has pilled, the colour has faded and the elbows are threadbare. It’s part of what Elizabeth L. Cline, the author of <em>Overdressed: The Shockingly High Cost of Cheap Fashion</em>, calls the “buy-and-toss” cycle. In the long run, buying a cheap hoodie each winter costs you a lot more than just buying a good one. Flint and Tinder’s 10-Year Hoodie ($99 huckberry.com) was designed to outlast its competition: U.S.-made, 18-oz fleece; special twill-taped safety seams, in which the fabric is over-lapped and double-stitched; and brass zippers and hardware throughout. But the best thing is Flint and Tinder’s guarantee to mend it free of charge: “If at any time in the next decade it rips, tears or otherwise comes apart at the seams, we hope you’ll send it back to us.” The truest testimonial? The brand routinely sells out of sizes and colours, with fans bragging online that they’re waiting for the opportunity to purchase a second or third 10-Year Hoodie.</p>\n<p>&nbsp;</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\">A hoodie you’ll still be wearing in 2026</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','A hoodie you’ll still be wearing in 2026','<p>This sweatshirt comes with a lifetime guarantee</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/spend/shopping/style/the-best-hoodie-youll-ever-buy/\">A hoodie you&rsquo;ll still be wearing in 2026</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','435-revision-v1','','','2016-03-08 14:23:42','2016-03-08 19:23:42','',435,'http://feedwordpress.radgeek.com/?rev=ddc67d85a55c75af86eeefb3947099fa',0,'revision','',0),(437,1,'2016-03-08 11:43:24','2016-03-08 16:43:24','<p>The budget is still two weeks away, but many experts are speculating the government will increase the capital gains inclusion rate from 50% to 66.67%, or even as high as 75%.</p>\n<p>What does this mean for investors? Those that have unrealized capital gains could be on the hook to pay more tax.</p>\n<p>“If they increase, the tax rate will be much closer to the dividends tax rate,” explains Kevin Stienstra, senior manager, Tax Services, Grant Thornton in Beamsville, Ont.</p>\n<p>For Ontario clients in the top tax bracket, Stienstra notes a 66.67% inclusion rate would increase the tax rate on capital gains from 26.77% to 35.69%. If the inclusion rate rises to 75%, the capital gains tax rate for those clients would jump to more than 40%, which is higher than the tax rate on dividends.</p>\n<p><a href=\"http://www.advisor.ca/investments/market-insights/are-share-buybacks-good-for-your-clients-portfolio-201873\" >Read: Are share buybacks good for your portfolio?</a></p>\n<p>“This would totally change the tax landscape,” he says, adding it would be a loss of a tax-planning opportunity for advisors, who often suggest converting dividends to capital gains. (To do this at the corporate level, trigger a disposition of corporate-owned assets, which creates room in the capital dividend account to flow tax-free dividends to the shareholder. To trigger gains at the shareholder level, sell shares to non-arm’s length individuals, which permits the extraction of cash from a corporation at capital gains rates.)</p>\n<p>If the government does increase the rate, advisors and clients will have to revisit investment strategies. “Look at investments that generate good dividend returns, instead of ones that grow in capital,” he says. So, dividend stocks might become more popular than growth ones.</p>\n<p><a href=\"http://www.advisor.ca/investments/market-insights/when-diversification-drags-returns-201875\" >Read: When diversification drags returns</a></p>\n<p>In the meantime, Stienstra says clients who were already planning to trigger capital gains this year may want to do so before March 22 so they’re guaranteed the 50% inclusion rate. “For investments [like stocks from public companies], it’s not that much trouble to sell. And you can buy them back later.”</p>\n<p>Owners of private corporations who are planning to sell to a third party can take steps to realize gains now as well, he says. “They could consider selling shares to a related party, or do an internal restructuring to trigger that capital gain and bump up the adjusted cost base of their shares. That way, they increase their cost base at only 50% instead of potentially higher after the budget.”</p>\n<p>But clients who aren’t planning to realize gains in the near future should stay the course. “You’d be triggering gains based on speculation, and paying tax you would’ve otherwise been able to defer,” he says. “So you’ve got to look at the time value of money as well.”</p>\n<p>Meanwhile, those with unrealized capital losses are better off waiting until after the budget. “If you end up with a 75% inclusion rate, using that net capital loss to offset any gains will be much more valuable to you.”</p>\n<p><a href=\"http://www.advisor.ca/news/industry-news/think-twice-before-tossing-old-tax-records-201883\">Read: Think twice before tossing old tax records</a></p>\n<p>Overall, experts hope the Liberals leave capital gains alone.</p>\n<p>“I really hope the government doesn’t do this, but the temptation to do so might be large given the current economic conditions and the disparity in tax rates,” Kim Moody of Moodys Gartner Tax Law notes <a href=\"http://tax.moodysgartner.com/2016-canadian-federal-budget-predictions/\" >in his recent blog</a>.</p>\n<p>Adds Stienstra, “A 50% inclusion rate encourages investors to take more risk with their accumulated capital, thereby growing the economy in the process.”</p>\n<p>He suggests an alternative would be taxing capital gains similar to how they’re taxed in the U.S. – short-term gains (less than one year) are taxed as ordinary income, while long-term gains have about a 50% inclusion rate. “I think that would be a better option,” he says.</p>\n<p><em>This story was originally published on <a href=\"http://www.advisor.ca/news/industry-news/prepare-for-a-possible-increase-in-capital-gains-taxes-202153\" >Advisor.ca</a></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\">Prepare for a possible hike in capital gains taxes</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Prepare for a possible hike in capital gains taxes','<p>Here\'s what you should do to avoid a higher rate</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\">Prepare for a possible hike in capital gains taxes</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-08 11:43:24','2016-03-08 16:43:24','',0,'http://www.moneysense.ca/?p=149272',0,'post','',0),(438,1,'2016-03-08 11:43:24','2016-03-08 16:43:24','<p>The budget is still two weeks away, but many experts are speculating the government will increase the capital gains inclusion rate from 50% to 66.67%, or even as high as 75%.</p>\n<p>What does this mean for investors? Those that have unrealized capital gains could be on the hook to pay more tax.</p>\n<p>“If they increase, the tax rate will be much closer to the dividends tax rate,” explains Kevin Stienstra, senior manager, Tax Services, Grant Thornton in Beamsville, Ont.</p>\n<p>For Ontario clients in the top tax bracket, Stienstra notes a 66.67% inclusion rate would increase the tax rate on capital gains from 26.77% to 35.69%. If the inclusion rate rises to 75%, the capital gains tax rate for those clients would jump to more than 40%, which is higher than the tax rate on dividends.</p>\n<p><a href=\"http://www.advisor.ca/investments/market-insights/are-share-buybacks-good-for-your-clients-portfolio-201873\" >Read: Are share buybacks good for your portfolio?</a></p>\n<p>“This would totally change the tax landscape,” he says, adding it would be a loss of a tax-planning opportunity for advisors, who often suggest converting dividends to capital gains. (To do this at the corporate level, trigger a disposition of corporate-owned assets, which creates room in the capital dividend account to flow tax-free dividends to the shareholder. To trigger gains at the shareholder level, sell shares to non-arm’s length individuals, which permits the extraction of cash from a corporation at capital gains rates.)</p>\n<p>If the government does increase the rate, advisors and clients will have to revisit investment strategies. “Look at investments that generate good dividend returns, instead of ones that grow in capital,” he says. So, dividend stocks might become more popular than growth ones.</p>\n<p><a href=\"http://www.advisor.ca/investments/market-insights/when-diversification-drags-returns-201875\" >Read: When diversification drags returns</a></p>\n<p>In the meantime, Stienstra says clients who were already planning to trigger capital gains this year may want to do so before March 22 so they’re guaranteed the 50% inclusion rate. “For investments [like stocks from public companies], it’s not that much trouble to sell. And you can buy them back later.”</p>\n<p>Owners of private corporations who are planning to sell to a third party can take steps to realize gains now as well, he says. “They could consider selling shares to a related party, or do an internal restructuring to trigger that capital gain and bump up the adjusted cost base of their shares. That way, they increase their cost base at only 50% instead of potentially higher after the budget.”</p>\n<p>But clients who aren’t planning to realize gains in the near future should stay the course. “You’d be triggering gains based on speculation, and paying tax you would’ve otherwise been able to defer,” he says. “So you’ve got to look at the time value of money as well.”</p>\n<p>Meanwhile, those with unrealized capital losses are better off waiting until after the budget. “If you end up with a 75% inclusion rate, using that net capital loss to offset any gains will be much more valuable to you.”</p>\n<p><a href=\"http://www.advisor.ca/news/industry-news/think-twice-before-tossing-old-tax-records-201883\">Read: Think twice before tossing old tax records</a></p>\n<p>Overall, experts hope the Liberals leave capital gains alone.</p>\n<p>“I really hope the government doesn’t do this, but the temptation to do so might be large given the current economic conditions and the disparity in tax rates,” Kim Moody of Moodys Gartner Tax Law notes <a href=\"http://tax.moodysgartner.com/2016-canadian-federal-budget-predictions/\" >in his recent blog</a>.</p>\n<p>Adds Stienstra, “A 50% inclusion rate encourages investors to take more risk with their accumulated capital, thereby growing the economy in the process.”</p>\n<p>He suggests an alternative would be taxing capital gains similar to how they’re taxed in the U.S. – short-term gains (less than one year) are taxed as ordinary income, while long-term gains have about a 50% inclusion rate. “I think that would be a better option,” he says.</p>\n<p><em>This story was originally published on <a href=\"http://www.advisor.ca/news/industry-news/prepare-for-a-possible-increase-in-capital-gains-taxes-202153\" >Advisor.ca</a></em></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\">Prepare for a possible hike in capital gains taxes</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Prepare for a possible hike in capital gains taxes','<p>Here\'s what you should do to avoid a higher rate</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/news/prepare-for-a-possible-increase-in-capital-gains-taxes/\">Prepare for a possible hike in capital gains taxes</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','437-revision-v1','','','2016-03-08 11:43:24','2016-03-08 16:43:24','',437,'http://feedwordpress.radgeek.com/?rev=10ebd25b51614b2bfcb655d0b0299948',0,'revision','',0),(439,1,'2016-03-08 11:08:24','2016-03-08 16:08:24','    <script type=\"text/javascript\">\n    var minSharesToShow = \"2\";\n    var shareUrl = \"http://www.moneysense.ca/feed/image/1/\";\n    var ajaxUrl = \"http://www.moneysense.ca/wp-content/plugins/rdm-social-plugin/includes/ajax.getShareCount.php\";\n    jQuery( document 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class=\"gallery-slide-information-slide-description\"><p>“I truly believe that women should be financially independent from their men. And let’s face it: Money gives men the power to run the show. It gives men the power to define value. They define what’s sexy. And men define what’s feminine. It’s ridiculous.”</p>\n<p></p>\n</div>\n    </div>\n\n</div>\n\n<div class=\"gallery-slide-thumbnails-container\">\n    <div class=\"gallery-slide-thumbnails-previous disabled\">\n        <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">Previous</a>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails\">\n        <ul>\n                        <li data-id=\"c02d2b20-aaee-4457-96ec-c8c2a724a947\" data-type=\"image\" class=\"active\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-4934914681-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"520d8a5c-8b7a-492e-9d16-b094e1dec035\" data-type=\"image\">\n                <a 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<a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">What 11 powerful women have learned about money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-08 11:08:24','2016-03-08 16:08:24','',0,'http://www.moneysense.ca/?p=139728',0,'post','',0),(440,1,'2016-03-08 11:08:24','2016-03-08 16:08:24','    <script type=\"text/javascript\">\n    var minSharesToShow = \"2\";\n    var shareUrl = \"http://www.moneysense.ca/feed/image/1/\";\n    var ajaxUrl = \"http://www.moneysense.ca/wp-content/plugins/rdm-social-plugin/includes/ajax.getShareCount.php\";\n    jQuery( document ).ready(function() {\n        getNbrOfSharesAjax(ajaxUrl, shareUrl, minSharesToShow);\n    });\n    </script>\n    <div class=\"rdm-gallery-container gallery-slide-container\" data-useajax=\"true\" data-disablescrolling=\"true\" 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And let’s face it: Money gives men the power to run the show. It gives men the power to define value. They define what’s sexy. And men define what’s feminine. It’s ridiculous.”</p>\n<p></p>\n</div>\n    </div>\n\n</div>\n\n<div class=\"gallery-slide-thumbnails-container\">\n    <div class=\"gallery-slide-thumbnails-previous disabled\">\n        <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">Previous</a>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails\">\n        <ul>\n                        <li data-id=\"c02d2b20-aaee-4457-96ec-c8c2a724a947\" data-type=\"image\" class=\"active\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-4934914681-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"520d8a5c-8b7a-492e-9d16-b094e1dec035\" data-type=\"image\">\n                <a 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src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-3243192-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"1007476a-77c1-403c-a872-c85065bdc43a\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/5/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-498353982-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"125150d8-34a6-4611-9763-bb994214d73a\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/6/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-176660858-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"2893bbc6-591a-4cd7-8543-abab35b2bb0b\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/7/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-499564364-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"0157a3dc-504d-49e3-be71-d1cb7ccea053\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/8/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-161866003-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"14ce2556-0151-4106-8ad2-455eb2758c42\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/9/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-454290712-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"416746cc-734d-4c1d-8a6e-eba9487b4b94\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/10/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-167437839-150x150.jpg\" />\n                </a>\n            </li>\n                        <li data-id=\"4515d589-e453-4257-b4c0-be3469eb3503\" data-type=\"image\">\n                <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/11/\">\n                    <img src=\"http://www.moneysense.ca/wp-content/uploads/2015/12/GettyImages-499705298-150x150.jpg\" />\n                </a>\n            </li>\n                    </ul>\n    </div>\n\n    <div class=\"gallery-slide-thumbnails-next\">\n        <a href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/image/2/\">Next</a>\n    </div>\n</div>\n\n<a class=\"rest-of-gallery\" href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">\n    Check out the rest of the gallery\n</a>\n\n<h2></h2>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">What 11 powerful women have learned about money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','What 11 powerful women have learned about money','<p>Oprah, Hillary Clinton &amp; others impart their wisdom </p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/what-12-powerful-women-have-learned-about-money/\">What 11 powerful women have learned about money</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','439-revision-v1','','','2016-03-08 11:08:24','2016-03-08 16:08:24','',439,'http://feedwordpress.radgeek.com/?rev=f2701db93532207c3a62b82262c0fd72',0,'revision','',0),(441,1,'2016-03-08 10:54:36','2016-03-08 15:54:36','<p><strong>Q: </strong>I&#8217;m 21 and I&#8217;m currently purchasing a home in Calgary for $300,000. I can afford to put roughly $1,500 away per month after all my expenses and mortgage payments. I was unsure as to whether I should attempt to pay down my mortgage (2.7%, five-year fixed) or instead invest the money and accrue roughly 6%-8% annually.</p>\n<p>I was leaning more towards the investment route as I am young and will be using the property as a rental when I decide to leave.</p>\n<p><em>—Liam</em></p>\n<p><strong>A: </strong>Congratulations on your first home, Liam! That is quite the accomplishment at 21 years of age. I’ll try to touch on a number of points.</p>\n<p>First off, I will warn you to be generous in your budgeting when you buy your first home. There are often more costs than you might otherwise suspect when you first move in, ranging from utility connection fees to repairs to furniture you didn’t realize you needed. Secondly, the ongoing costs of home ownership can be higher than expected and pop up when you least expect them–like a new furnace, an electrical issue or a broken tile.</p>\n<p>So be lenient with your $1,500 monthly savings target. You may want to set aside some cash or ensure that you have access to a low-rate line of credit in the event of just such an emergency.</p>\n<p>If you are a conservative investor, debt repayment with your extra cash flow may not be a bad thing, especially at a young age when you may not know exactly what the future holds. Committing to debt repayment instead of RRSPs or TFSAs at 21 is not a lifelong commitment. And avoiding interest to me is similar to earning a return on an investment, albeit a low one these days.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p>If you are a moderate or aggressive investor, I would like to hope that you can “beat” the rate on your mortgage and invest at higher than the 2.7% rate you’re paying on your debt over the next 5 years. The problem, however, is that you may not know what you’re saving for, even if you think you know.</p>\n<p>I feel a bit like I’m turning into my father here, but when I was 21, I thought I knew what my future held. After a hundred or so changes of direction, I am where I am now at 37. So the best intentions to save for retirement at 21 may turn into a stint of unemployment, three months in Brazil, an engagement ring, a wedding and so on. The point is you might not have a 50-year investment time horizon like the mutual fund companies tell you that you do–it might be considerably less, suggesting caution with your allocation to risky assets like stocks.</p>\n<p>I would be inclined to save with only a moderate amount of risk in your TFSA with your extra cash flow – and not for the reason that you might otherwise suspect.</p>\n<p>If you expect that you will be moving from your current home in the coming years and keeping it as a rental property, you may be better off not paying down the existing mortgage much. This is because when you convert it to a rental property, the interest will be tax-deductible. And since it’s unlikely that you’ll save enough money any time soon to buy your next house with cash and no debt, you’re going to have another mortgage anyway.</p>\n<p>The higher your rental property mortgage – and consequently, the lower your new mortgage because you have a bigger downpayment in the first place–the more tax deductible debt and interest you will have on your tax return. The rental property interest will be tax deductible, so I’d rather see you with the least amount of non-tax deductible debt as possible on the new home.</p>\n<p>Some people think that the tax deductibility of their debt relates to the fact that a mortgage is on their rental property and will borrow their downpayment for another home against their rental property. This won’t work, as the purpose of this incremental debt was not for the rental property itself–it is the use of funds that decides the deductibility of the interest.</p>\n<p>TFSA savings in your 20s will provide you with a lot of options–ranging from another down payment to debt repayment if interest rates jump to RRSP contributions when your income is higher.</p>\n<p>In summary, I think your decision to invest instead of paying down debt is ok in this instance. I also gather that you are fiscally responsible if you have purchased a home at such a young age and have bought below your means – with $1,500 in extra monthly cash flow to spare. This suggests to me that you can use your debt strategically and invest instead of paying down debt.</p>\n<p>Just don’t fool yourself into thinking that the money you save when you’re 21 is actually going to be used to buy dentures when you’re 81. You will have a lot of other twists, turns and expenses that happen between now and then for which you may need your savings – take it from an old man like me.</p>\n<p><a style=\"display: block; font-family: sans-serif; text-align: center; background: #28baf2; text-decoration: none; color: #fff; font-weight: bold; padding: 1em; border-radius: 6px;\" href=\"mailto:ask@moneysense.ca?subject=Ask%20a%20Planner\" >Ask a Planner: Leave your question for Jason Heath »</a></p>\n<p><em>Jason Heath is a fee-only, advice-only Certified Financial Planner (CFP) at Objective Financial Partners Inc. in Toronto, Ontario. He does not sell any financial products whatsoever.</em></p>\n<hr />\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\"><img class=\"alignleft wp-image-118650\" src=\"http://www.moneysense.ca/wp-content/uploads/2015/05/Screen-Shot-2015-04-30-at-4.48.05-PM.png\" alt=\"MoneySense Approved\" width=\"250\" height=\"178\" /></a><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Find the advisor who&#8217;s right for you</a></p>\n<p>Let us match you with a trusted financial advisor who has the skills, training and approach to money &amp; investing that you need.</p>\n<p><a href=\"http://www.moneysenseapproved.com/findanadvisor/\">Try our search tool now!</a></p>\n<hr />\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','Pay down the mortgage or invest?','<p>Liam has a house that he\'s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow?</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/financial-planning/cash-flow-conundrum-pay-down-the-mortgage-or-invest/\">Pay down the mortgage or invest?</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','inherit','closed','closed','','430-revision-v1','','','2016-03-08 10:54:36','2016-03-08 15:54:36','',430,'http://feedwordpress.radgeek.com/?rev=f48337a0e8f9333754c483fb6254855e',0,'revision','',0),(442,1,'2016-03-09 16:30:52','2016-03-09 21:30:52','<p class=\"p1\"><span class=\"s1\"><div class=\"clear linknav\"><a href=\"http://www.moneysense.ca/?p=147170\" title=\"Where to buy now\"><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/SMALL_CAP_BANNER.jpg\" /></a><ul class=\"nav-bar link-200898\"><li><a href=\"http://www.moneysense.ca/?p=147170%20\">Overview</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=147174%20\">SUBSCRIBERS ONLY: Small Cap 100 + All-Stars</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=147178\">SUBSCRIBERS ONLY: Mid Cap All-Stars</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=148504\">SUBSCRIBERS ONLY: Small Cap 1,000</a></li>\n</ul></div></span></p>\n<h3>Double-A stocks</h3>\n<p class=\"p2\">While there are scores of interesting stocks in the tables, the double-A companies always stand out. Four of them happen to be in the insurance business. Both EMC Insurance (EMCI) and State Auto (STFC) provide property and casualty insurance. The former is based in Des Moines, Iowa, and the latter in Columbus, Ohio. United Fire (UFCS) hails from Cedar Rapids, Ohio, and adds life insurance to the mix. Independence (IHC) is the fourth member of the club. It focuses on life and health insurance from<span class=\"Apple-converted-space\">  </span>Stamford, Conn. All trade near book value and at below 10 times earnings.</p>\n<p class=\"p3\">The last four are led by Berkshire Hills (BHLB), which is a savings and loan based in Pittsfield, Mass., that pays a dividend yield of 3.2% and trades for less than book value. International Speedway (ISCA) runs motor-sports events from Daytona Beach, Fla., and is one of the few stocks that rose last year. IXYS (IXYS) is a semiconductor company based in Milpitas, Calif. Miller Industries (MLR) is a Tennessee-based towing and recovery equipment maker.</p>\n<p class=\"p3\">Be aware that stock screens have their limitations. Before you invest, make sure a company’s situation hasn’t changed in some important way. Read its latest press releases, regulatory filings and scan newspaper stories to get up to speed on the most recent developments. Take a hard look at each stock and consider both the hard numbers and less tangible qualities before investing.</p>\n<p class=\"p3\">While we think our top stocks have the ingredients necessary for success, the future is far from certain and some of them will inevitably disappoint. That’s why it’s important to head to the market only after you’ve done your homework.<span class=\"Apple-converted-space\">  </span><span class=\"s2\"><span class=\"Apple-converted-space\">  </span></span></p>\n<style>\n.footable-row-detail-inner{\nwidth:100%;\n}\ntd.name.footable-visible, td.name1.footable-visible{\ncolor: #0045a6;\n}\n@media screen and (min-width: 1007px) {\n    .footable-row-detail-name {\n        min-width: 337px;\n    }\n}\ntd.top, td.top1 {color: #fbaa19;}\n<!--\n.nav-bar li { 	border-left: 1px solid #ddd; } .nav-bar li { 	border-right: 1px solid #FFF } input#i500-search,input#i500-search2,input#i500-search3,input#i500-search4,input#i500-search5,input#i500-search6,input#i500-search7,input#i500-search8,input#i500-search9 { 	 	box-sizing: border-box; 		 	display: block; 	 	width: 100%; 	 	padding: 6px; 	 	border: solid 1px #777; 	 	outline: none;  } td.company { 	 	font-weight: bold;  } .MSGray{ 	color:#82bbc6; 	font-weight:bold; } .footable-row-detail-name{ 	width:43% !important; }\n--></style>\n</style>\n<form style=\"box-sizing: border-box; padding: 1em; background: #eee;\">\n<label class=\"searchlabel\" for=\"search\">Search to filter by company, ticker, industry&#8230;</label><br />\n<input id=\"i500-search\" type=\"text\" /></form>\n<table class=\"footable large-cap toggle-circle-filled\" data-filter=\"#i500-search\">\n<thead>\n<tr>\n<th class=\"name\" data-type=\"alpha\">Name</th>\n<th class=\"name1\" data-type=\"alpha\" data-hide=\"all\">Name</th>\n<th class=\"ticker\" data-type=\"alpha\" data-hide=\"all\">Ticker</th>\n<th class=\"indgroup\" data-type=\"alpha\" data-hide=\"all\">Industry Group</th>\n<th class=\"indsub\" data-type=\"alpha\" data-hide=\"all\">Industry Subgroup</th>\n<th class=\"price\" data-type=\"alpha\">Price (Feb. 11, 2016)</th>\n<th class=\"price1\" data-type=\"alpha\" data-hide=\"all\">Price (Feb. 11, 2016)</th>\n<th class=\"rev\" data-type=\"alpha\" data-hide=\"all\">Revenue ($M)</th>\n<th class=\"mrktcap\" data-type=\"alpha\" data-hide=\"all\">Market Capitalization ($M)</th>\n<th class=\"pricebook\" data-type=\"alpha\" data-hide=\"all\">Price/Book</th>\n<th class=\"pricetang\" data-type=\"alpha\" data-hide=\"all\">Price/TangibleBook</th>\n<th class=\"pe\" data-type=\"alpha\" data-hide=\"all\">P/E (Last 12 Months)</th>\n<th class=\"fpe\" data-type=\"alpha\" data-hide=\"all\">Forward P/E</th>\n<th class=\"divyield\" data-type=\"alpha\" data-hide=\"all\">Dividend Yield</th>\n<th class=\"leverage\" data-type=\"alpha\" data-hide=\"all\">Leverage (Assets/Equity)</th>\n<th class=\"valgrade\" data-type=\"alpha\">Value Grade</th>\n<th class=\"valgrade1\" data-type=\"alpha\" data-hide=\"all\">Value Grade</th>\n<th class=\"return\" data-type=\"alpha\" data-hide=\"all\">Return</th>\n<th class=\"3yrs\" data-type=\"alpha\" data-hide=\"all\">3 Yr EPS Growth</th>\n<th class=\"sps\" data-type=\"alpha\" data-hide=\"all\">3 Yr SPS Growth</th>\n<th class=\"1year\" data-type=\"alpha\" data-hide=\"all\">1 Yr Total Asset Growth</th>\n<th class=\"ROE\" data-type=\"alpha\" data-hide=\"all\">Return on Equity</th>\n<th class=\"pricesales\" data-type=\"alpha\" data-hide=\"all\">Price/Sales</th>\n<th class=\"growthgrade\" data-type=\"alpha\">Growth Grade</th>\n<th class=\"growthgrade1\" data-type=\"alpha\" data-hide=\"all\">Growth Grade</th>\n<th class=\"top\" data-type=\"alpha\">All-Stars</th>\n<th class=\"top1\" data-type=\"alpha\" data-hide=\"all\">All-Stars</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td class=\"name\">	1st Source	</td>\n<td class=\"name\">	1st Source	</td>\n<td class=\"ticker\">	SRCE	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$28.44 	</td>\n<td class=\"price1\">	$28.44 	</td>\n<td class=\"rev\">	$268 	</td>\n<td class=\"mrktcap\">	$770 	</td>\n<td class=\"pricebook\">	1.2	</td>\n<td class=\"pricetang\">	1.38	</td>\n<td class=\"pe\">	13.4	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	2.50%	</td>\n<td class=\"leverage\">	8.06	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	3.20%	</td>\n<td class=\"3yrs\">	5.00%	</td>\n<td class=\"sps\">	0.50%	</td>\n<td class=\"1year\">	7.40%	</td>\n<td class=\"ROE\">	9.10%	</td>\n<td class=\"pricesales\">	2.84	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Aceto	</td>\n<td class=\"name\">	Aceto	</td>\n<td class=\"ticker\">	ACET	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Diversified	</td>\n<td class=\"price\">	$19.77 	</td>\n<td class=\"price1\">	$19.77 	</td>\n<td class=\"rev\">	$558 	</td>\n<td class=\"mrktcap\">	$584 	</td>\n<td class=\"pricebook\">	2.04	</td>\n<td class=\"pricetang\">	4.34	</td>\n<td class=\"pe\">	14.5	</td>\n<td class=\"fpe\">	11.7	</td>\n<td class=\"divyield\">	1.20%	</td>\n<td class=\"leverage\">	1.83	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-0.40%	</td>\n<td class=\"3yrs\">	24.80%	</td>\n<td class=\"sps\">	4.10%	</td>\n<td class=\"1year\">	9.30%	</td>\n<td class=\"ROE\">	15.10%	</td>\n<td class=\"pricesales\">	1.03	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Aircastle	</td>\n<td class=\"name\">	Aircastle	</td>\n<td class=\"ticker\">	AYR	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Leasing Compan	</td>\n<td class=\"price\">	$15.87 	</td>\n<td class=\"price1\">	$15.87 	</td>\n<td class=\"rev\">	$819 	</td>\n<td class=\"mrktcap\">	$1,247 	</td>\n<td class=\"pricebook\">	0.73	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	10.6	</td>\n<td class=\"fpe\">	7.7	</td>\n<td class=\"divyield\">	6.00%	</td>\n<td class=\"leverage\">	3.69	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-21.70%	</td>\n<td class=\"3yrs\">	48.30%	</td>\n<td class=\"sps\">	1.60%	</td>\n<td class=\"1year\">	5.20%	</td>\n<td class=\"ROE\">	8.40%	</td>\n<td class=\"pricesales\">	1.56	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Alamo Group	</td>\n<td class=\"name\">	Alamo Group	</td>\n<td class=\"ticker\">	ALG	</td>\n<td class=\"ticker\">	Diversified Machinery	</td>\n<td class=\"ticker\">	Machinery-Farm	</td>\n<td class=\"price\">	$49.98 	</td>\n<td class=\"price1\">	$49.98 	</td>\n<td class=\"rev\">	$879 	</td>\n<td class=\"mrktcap\">	$571 	</td>\n<td class=\"pricebook\">	1.61	</td>\n<td class=\"pricetang\">	2.54	</td>\n<td class=\"pe\">	13.1	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	0.70%	</td>\n<td class=\"leverage\">	1.82	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	4.60%	</td>\n<td class=\"3yrs\">	11.40%	</td>\n<td class=\"sps\">	13.80%	</td>\n<td class=\"1year\">	-1.40%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	0.64	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	American Equity Investment Life	</td>\n<td class=\"name\">	American Equity Investment Life	</td>\n<td class=\"ticker\">	AEL	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$12.81 	</td>\n<td class=\"price1\">	$12.81 	</td>\n<td class=\"rev\">	$2,102 	</td>\n<td class=\"mrktcap\">	$1,045 	</td>\n<td class=\"pricebook\">	0.48	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	4.6	</td>\n<td class=\"fpe\">	4.9	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	21.92	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-54.40%	</td>\n<td class=\"3yrs\">	43.50%	</td>\n<td class=\"sps\">	8.00%	</td>\n<td class=\"1year\">	9.70%	</td>\n<td class=\"ROE\">	10.50%	</td>\n<td class=\"pricesales\">	0.48	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	ArcBest	</td>\n<td class=\"name\">	ArcBest	</td>\n<td class=\"ticker\">	ARCB	</td>\n<td class=\"ticker\">	Transportation	</td>\n<td class=\"ticker\">	Transport-Truck	</td>\n<td class=\"price\">	$18.56 	</td>\n<td class=\"price1\">	$18.56 	</td>\n<td class=\"rev\">	$2,667 	</td>\n<td class=\"mrktcap\">	$480 	</td>\n<td class=\"pricebook\">	0.82	</td>\n<td class=\"pricetang\">	1.16	</td>\n<td class=\"pe\">	10.9	</td>\n<td class=\"fpe\">	11.1	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	2.15	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-51.50%	</td>\n<td class=\"3yrs\">	91.60%	</td>\n<td class=\"sps\">	8.30%	</td>\n<td class=\"1year\">	12.00%	</td>\n<td class=\"ROE\">	7.70%	</td>\n<td class=\"pricesales\">	0.18	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Atwood Oceanics	</td>\n<td class=\"name\">	Atwood Oceanics	</td>\n<td class=\"ticker\">	ATW	</td>\n<td class=\"ticker\">	Oil &#038; Gas	</td>\n<td class=\"ticker\">	Oil&#038;Gas Drilling	</td>\n<td class=\"price\">	$5.56 	</td>\n<td class=\"price1\">	$5.56 	</td>\n<td class=\"rev\">	$1,352 	</td>\n<td class=\"mrktcap\">	$360 	</td>\n<td class=\"pricebook\">	0.12	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	0.8	</td>\n<td class=\"fpe\">	2.2	</td>\n<td class=\"divyield\">	5.40%	</td>\n<td class=\"leverage\">	1.59	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-82.10%	</td>\n<td class=\"3yrs\">	15.50%	</td>\n<td class=\"sps\">	17.30%	</td>\n<td class=\"1year\">	4.40%	</td>\n<td class=\"ROE\">	15.20%	</td>\n<td class=\"pricesales\">	0.27	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	AVX	</td>\n<td class=\"name\">	AVX	</td>\n<td class=\"ticker\">	AVX	</td>\n<td class=\"ticker\">	Electronics	</td>\n<td class=\"ticker\">	Electronic Compo-Misc	</td>\n<td class=\"price\">	$11.27 	</td>\n<td class=\"price1\">	$11.27 	</td>\n<td class=\"rev\">	$1,207 	</td>\n<td class=\"mrktcap\">	$1,889 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.00	</td>\n<td class=\"pe\">	9.9	</td>\n<td class=\"fpe\">	15.4	</td>\n<td class=\"divyield\">	3.70%	</td>\n<td class=\"leverage\">	1.08	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-14.30%	</td>\n<td class=\"3yrs\">	90.90%	</td>\n<td class=\"sps\">	-4.90%	</td>\n<td class=\"1year\">	-2.50%	</td>\n<td class=\"ROE\">	9.00%	</td>\n<td class=\"pricesales\">	1.57	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Banc of California	</td>\n<td class=\"name\">	Banc of California	</td>\n<td class=\"ticker\">	BANC	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Western US	</td>\n<td class=\"price\">	$14.50 	</td>\n<td class=\"price1\">	$14.50 	</td>\n<td class=\"rev\">	$487 	</td>\n<td class=\"mrktcap\">	$548 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	1.37	</td>\n<td class=\"pe\">	11	</td>\n<td class=\"fpe\">	9.4	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	12.62	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	39.30%	</td>\n<td class=\"3yrs\">	48.90%	</td>\n<td class=\"sps\">	17.10%	</td>\n<td class=\"1year\">	37.90%	</td>\n<td class=\"ROE\">	11.70%	</td>\n<td class=\"pricesales\">	1.15	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Barnes Group	</td>\n<td class=\"name\">	Barnes Group	</td>\n<td class=\"ticker\">	B	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Diversified Manufact Op	</td>\n<td class=\"price\">	$30.69 	</td>\n<td class=\"price1\">	$30.69 	</td>\n<td class=\"rev\">	$1,217 	</td>\n<td class=\"mrktcap\">	$1,685 	</td>\n<td class=\"pricebook\">	1.45	</td>\n<td class=\"pricetang\">	43.91	</td>\n<td class=\"pe\">	13.2	</td>\n<td class=\"fpe\">	12	</td>\n<td class=\"divyield\">	1.60%	</td>\n<td class=\"leverage\">	1.79	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-14.40%	</td>\n<td class=\"3yrs\">	24.40%	</td>\n<td class=\"sps\">	8.20%	</td>\n<td class=\"1year\">	-3.60%	</td>\n<td class=\"ROE\">	11.10%	</td>\n<td class=\"pricesales\">	1.39	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	BBCN Bancorp	</td>\n<td class=\"name\">	BBCN Bancorp	</td>\n<td class=\"ticker\">	BBCN	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Western US	</td>\n<td class=\"price\">	$13.79 	</td>\n<td class=\"price1\">	$13.79 	</td>\n<td class=\"rev\">	$360 	</td>\n<td class=\"mrktcap\">	$1,097 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.32	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	11.3	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	8.43	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	7.10%	</td>\n<td class=\"3yrs\">	5.40%	</td>\n<td class=\"sps\">	4.70%	</td>\n<td class=\"1year\">	10.80%	</td>\n<td class=\"ROE\">	10.10%	</td>\n<td class=\"pricesales\">	3.05	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Berkshire Hills Bancorp	</td>\n<td class=\"name\">	Berkshire Hills Bancorp	</td>\n<td class=\"ticker\">	BHLB	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$25.03 	</td>\n<td class=\"price1\">	$25.03 	</td>\n<td class=\"rev\">	$301 	</td>\n<td class=\"mrktcap\">	$775 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.6	</td>\n<td class=\"fpe\">	11.1	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	8.83	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-0.80%	</td>\n<td class=\"3yrs\">	4.70%	</td>\n<td class=\"sps\">	1.00%	</td>\n<td class=\"1year\">	20.50%	</td>\n<td class=\"ROE\">	6.20%	</td>\n<td class=\"pricesales\">	2.36	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Biglari Holdings	</td>\n<td class=\"name\">	Biglari Holdings	</td>\n<td class=\"ticker\">	BH	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Restaurants	</td>\n<td class=\"price\">	$361.43 	</td>\n<td class=\"price1\">	$361.43 	</td>\n<td class=\"rev\">	$871 	</td>\n<td class=\"mrktcap\">	$747 	</td>\n<td class=\"pricebook\">	1.53	</td>\n<td class=\"pricetang\">	1.75	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.19	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-13.20%	</td>\n<td class=\"3yrs\">	48.40%	</td>\n<td class=\"sps\">	3.50%	</td>\n<td class=\"1year\">	-9.20%	</td>\n<td class=\"ROE\">	19.60%	</td>\n<td class=\"pricesales\">	0.69	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Boston Private Financial	</td>\n<td class=\"name\">	Boston Private Financial	</td>\n<td class=\"ticker\">	BPFH	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Fiduciary Banks	</td>\n<td class=\"price\">	$9.70 	</td>\n<td class=\"price1\">	$9.70 	</td>\n<td class=\"rev\">	$375 	</td>\n<td class=\"mrktcap\">	$811 	</td>\n<td class=\"pricebook\">	1.16	</td>\n<td class=\"pricetang\">	1.59	</td>\n<td class=\"pe\">	12.8	</td>\n<td class=\"fpe\">	12.6	</td>\n<td class=\"divyield\">	4.10%	</td>\n<td class=\"leverage\">	9.86	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-20.40%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	1.50%	</td>\n<td class=\"1year\">	11.00%	</td>\n<td class=\"ROE\">	9.10%	</td>\n<td class=\"pricesales\">	2.09	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Brookline Bancorp	</td>\n<td class=\"name\">	Brookline Bancorp	</td>\n<td class=\"ticker\">	BRKL	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$10.23 	</td>\n<td class=\"price1\">	$10.23 	</td>\n<td class=\"rev\">	$247 	</td>\n<td class=\"mrktcap\">	$718 	</td>\n<td class=\"pricebook\">	1.09	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.4	</td>\n<td class=\"fpe\">	13.6	</td>\n<td class=\"divyield\">	3.50%	</td>\n<td class=\"leverage\">	8.97	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	8.90%	</td>\n<td class=\"3yrs\">	10.20%	</td>\n<td class=\"sps\">	2.00%	</td>\n<td class=\"1year\">	4.20%	</td>\n<td class=\"ROE\">	7.60%	</td>\n<td class=\"pricesales\">	2.9	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Carriage Services	</td>\n<td class=\"name\">	Carriage Services	</td>\n<td class=\"ticker\">	CSV	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Funeral Serv&#038;Rel Items	</td>\n<td class=\"price\">	$20.75 	</td>\n<td class=\"price1\">	$20.75 	</td>\n<td class=\"rev\">	$240 	</td>\n<td class=\"mrktcap\">	$360 	</td>\n<td class=\"pricebook\">	2.13	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	18.4	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	0.50%	</td>\n<td class=\"leverage\">	4.9	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-4.70%	</td>\n<td class=\"3yrs\">	37.20%	</td>\n<td class=\"sps\">	7.30%	</td>\n<td class=\"1year\">	0.30%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	1.57	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Celadon Group	</td>\n<td class=\"name\">	Celadon Group	</td>\n<td class=\"ticker\">	CGI	</td>\n<td class=\"ticker\">	Transportation	</td>\n<td class=\"ticker\">	Transport-Truck	</td>\n<td class=\"price\">	$8.91 	</td>\n<td class=\"price1\">	$8.91 	</td>\n<td class=\"rev\">	$1,026 	</td>\n<td class=\"mrktcap\">	$248 	</td>\n<td class=\"pricebook\">	0.67	</td>\n<td class=\"pricetang\">	0.80	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	7.2	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	3.17	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-64.10%	</td>\n<td class=\"3yrs\">	3.60%	</td>\n<td class=\"sps\">	13.10%	</td>\n<td class=\"1year\">	33.60%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	0.23	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Chemical Financial	</td>\n<td class=\"name\">	Chemical Financial	</td>\n<td class=\"ticker\">	CHFC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$31.76 	</td>\n<td class=\"price1\">	$31.76 	</td>\n<td class=\"rev\">	$372 	</td>\n<td class=\"mrktcap\">	$1,212 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	1.75	</td>\n<td class=\"pe\">	13.3	</td>\n<td class=\"fpe\">	11.7	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	9.04	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	9.90%	</td>\n<td class=\"3yrs\">	8.90%	</td>\n<td class=\"sps\">	2.40%	</td>\n<td class=\"1year\">	25.50%	</td>\n<td class=\"ROE\">	9.60%	</td>\n<td class=\"pricesales\">	3.08	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Chemtura	</td>\n<td class=\"name\">	Chemtura	</td>\n<td class=\"ticker\">	CHMT	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Specialty	</td>\n<td class=\"price\">	$25.27 	</td>\n<td class=\"price1\">	$25.27 	</td>\n<td class=\"rev\">	$1,813 	</td>\n<td class=\"mrktcap\">	$1,697 	</td>\n<td class=\"pricebook\">	1.75	</td>\n<td class=\"pricetang\">	2.39	</td>\n<td class=\"pe\">	2.6	</td>\n<td class=\"fpe\">	13.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.46	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	6.80%	</td>\n<td class=\"3yrs\">	102.60%	</td>\n<td class=\"sps\">	0.50%	</td>\n<td class=\"1year\">	0.30%	</td>\n<td class=\"ROE\">	86.70%	</td>\n<td class=\"pricesales\">	0.99	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Cowen Group	</td>\n<td class=\"name\">	Cowen Group	</td>\n<td class=\"ticker\">	COWN	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$2.70 	</td>\n<td class=\"price1\">	$2.70 	</td>\n<td class=\"rev\">	$569 	</td>\n<td class=\"mrktcap\">	$289 	</td>\n<td class=\"pricebook\">	0.45	</td>\n<td class=\"pricetang\">	0.50	</td>\n<td class=\"pe\">	2	</td>\n<td class=\"fpe\">	6.1	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.04	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-42.40%	</td>\n<td class=\"3yrs\">	53.60%	</td>\n<td class=\"sps\">	26.40%	</td>\n<td class=\"1year\">	-48.50%	</td>\n<td class=\"ROE\">	25.90%	</td>\n<td class=\"pricesales\">	0.53	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	CSG Systems International	</td>\n<td class=\"name\">	CSG Systems International	</td>\n<td class=\"ticker\">	CSGS	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Data Processing/Mgmt	</td>\n<td class=\"price\">	$37.29 	</td>\n<td class=\"price1\">	$37.29 	</td>\n<td class=\"rev\">	$753 	</td>\n<td class=\"mrktcap\">	$1,219 	</td>\n<td class=\"pricebook\">	3.51	</td>\n<td class=\"pricetang\">	23.67	</td>\n<td class=\"pe\">	18.5	</td>\n<td class=\"fpe\">	14	</td>\n<td class=\"divyield\">	2.00%	</td>\n<td class=\"leverage\">	2.54	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	27.10%	</td>\n<td class=\"3yrs\">	10.20%	</td>\n<td class=\"sps\">	1.00%	</td>\n<td class=\"1year\">	2.00%	</td>\n<td class=\"ROE\">	17.50%	</td>\n<td class=\"pricesales\">	1.54	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Customers Bancorp	</td>\n<td class=\"name\">	Customers Bancorp	</td>\n<td class=\"ticker\">	CUBI	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$21.78 	</td>\n<td class=\"price1\">	$21.78 	</td>\n<td class=\"rev\">	$278 	</td>\n<td class=\"mrktcap\">	$608 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.18	</td>\n<td class=\"pe\">	10.5	</td>\n<td class=\"fpe\">	9.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	15.17	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-2.70%	</td>\n<td class=\"3yrs\">	8.70%	</td>\n<td class=\"sps\">	5.70%	</td>\n<td class=\"1year\">	23.10%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	2.11	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Donegal Group	</td>\n<td class=\"name\">	Donegal Group	</td>\n<td class=\"ticker\">	DGICA	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$14.34 	</td>\n<td class=\"price1\">	$14.34 	</td>\n<td class=\"rev\">	$624 	</td>\n<td class=\"mrktcap\">	$399 	</td>\n<td class=\"pricebook\">	0.91	</td>\n<td class=\"pricetang\">	0.92	</td>\n<td class=\"pe\">	16.7	</td>\n<td class=\"fpe\">	10.1	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	3.47	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-7.20%	</td>\n<td class=\"3yrs\">	11.10%	</td>\n<td class=\"sps\">	4.50%	</td>\n<td class=\"1year\">	5.00%	</td>\n<td class=\"ROE\">	5.50%	</td>\n<td class=\"pricesales\">	0.63	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Douglas Dynamics	</td>\n<td class=\"name\">	Douglas Dynamics	</td>\n<td class=\"ticker\">	PLOW	</td>\n<td class=\"ticker\">	Auto Parts &#038; Equipment	</td>\n<td class=\"ticker\">	Auto/Trk Prts&#038;Equip-Repl	</td>\n<td class=\"price\">	$18.97 	</td>\n<td class=\"price1\">	$18.97 	</td>\n<td class=\"rev\">	$382 	</td>\n<td class=\"mrktcap\">	$425 	</td>\n<td class=\"pricebook\">	2.24	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	10.1	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	4.70%	</td>\n<td class=\"leverage\">	2.76	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-9.50%	</td>\n<td class=\"3yrs\">	45.30%	</td>\n<td class=\"sps\">	29.60%	</td>\n<td class=\"1year\">	29.00%	</td>\n<td class=\"ROE\">	23.10%	</td>\n<td class=\"pricesales\">	1.11	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	EMC Insurance Group	</td>\n<td class=\"name\">	EMC Insurance Group	</td>\n<td class=\"ticker\">	EMCI	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$23.87 	</td>\n<td class=\"price1\">	$23.87 	</td>\n<td class=\"rev\">	$629 	</td>\n<td class=\"mrktcap\">	$495 	</td>\n<td class=\"pricebook\">	0.95	</td>\n<td class=\"pricetang\">	0.95	</td>\n<td class=\"pe\">	9.8	</td>\n<td class=\"fpe\">	13.2	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	2.99	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	10.60%	</td>\n<td class=\"3yrs\">	7.40%	</td>\n<td class=\"sps\">	4.80%	</td>\n<td class=\"1year\">	3.60%	</td>\n<td class=\"ROE\">	11.20%	</td>\n<td class=\"pricesales\">	0.78	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Employers Holdings	</td>\n<td class=\"name\">	Employers Holdings	</td>\n<td class=\"ticker\">	EIG	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$22.82 	</td>\n<td class=\"price1\">	$22.82 	</td>\n<td class=\"rev\">	$760 	</td>\n<td class=\"mrktcap\">	$732 	</td>\n<td class=\"pricebook\">	1.01	</td>\n<td class=\"pricetang\">	1.07	</td>\n<td class=\"pe\">	7.5	</td>\n<td class=\"fpe\">	11.8	</td>\n<td class=\"divyield\">	1.10%	</td>\n<td class=\"leverage\">	5.24	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	6.40%	</td>\n<td class=\"3yrs\">	36.90%	</td>\n<td class=\"sps\">	11.30%	</td>\n<td class=\"1year\">	0.70%	</td>\n<td class=\"ROE\">	14.00%	</td>\n<td class=\"pricesales\">	0.96	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Encore Capital Group	</td>\n<td class=\"name\">	Encore Capital Group	</td>\n<td class=\"ticker\">	ECPG	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Consumer Loans	</td>\n<td class=\"price\">	$19.88 	</td>\n<td class=\"price1\">	$19.88 	</td>\n<td class=\"rev\">	$1,140 	</td>\n<td class=\"mrktcap\">	$502 	</td>\n<td class=\"pricebook\">	0.81	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	7.1	</td>\n<td class=\"fpe\">	3.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	6.29	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-50.70%	</td>\n<td class=\"3yrs\">	1.60%	</td>\n<td class=\"sps\">	28.80%	</td>\n<td class=\"1year\">	10.20%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	0.45	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Encore Wire	</td>\n<td class=\"name\">	Encore Wire	</td>\n<td class=\"ticker\">	WIRE	</td>\n<td class=\"ticker\">	Electrical Components	</td>\n<td class=\"ticker\">	Wire&#038;Cable Products	</td>\n<td class=\"price\">	$33.78 	</td>\n<td class=\"price1\">	$33.78 	</td>\n<td class=\"rev\">	$1,052 	</td>\n<td class=\"mrktcap\">	$698 	</td>\n<td class=\"pricebook\">	1.32	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	16.8	</td>\n<td class=\"fpe\">	12.1	</td>\n<td class=\"divyield\">	0.20%	</td>\n<td class=\"leverage\">	1.15	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	3.90%	</td>\n<td class=\"3yrs\">	13.60%	</td>\n<td class=\"sps\">	2.10%	</td>\n<td class=\"1year\">	6.90%	</td>\n<td class=\"ROE\">	8.20%	</td>\n<td class=\"pricesales\">	0.67	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Ennis	</td>\n<td class=\"name\">	Ennis	</td>\n<td class=\"ticker\">	EBF	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Printing-Commercial	</td>\n<td class=\"price\">	$18.31 	</td>\n<td class=\"price1\">	$18.31 	</td>\n<td class=\"rev\">	$581 	</td>\n<td class=\"mrktcap\">	$473 	</td>\n<td class=\"pricebook\">	1.56	</td>\n<td class=\"pricetang\">	2.89	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	12	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	1.36	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	40.10%	</td>\n<td class=\"3yrs\">	24.20%	</td>\n<td class=\"sps\">	3.50%	</td>\n<td class=\"1year\">	-8.50%	</td>\n<td class=\"ROE\">	13.40%	</td>\n<td class=\"pricesales\">	0.81	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Ensign Group	</td>\n<td class=\"name\">	Ensign Group	</td>\n<td class=\"ticker\">	ENSG	</td>\n<td class=\"ticker\">	Health Care Services	</td>\n<td class=\"ticker\">	Medical-Nursing Homes	</td>\n<td class=\"price\">	$18.55 	</td>\n<td class=\"price1\">	$18.55 	</td>\n<td class=\"rev\">	$1,342 	</td>\n<td class=\"mrktcap\">	$941 	</td>\n<td class=\"pricebook\">	2.23	</td>\n<td class=\"pricetang\">	2.96	</td>\n<td class=\"pe\">	16.7	</td>\n<td class=\"fpe\">	12.5	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	1.75	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-11.20%	</td>\n<td class=\"3yrs\">	5.30%	</td>\n<td class=\"sps\">	11.50%	</td>\n<td class=\"1year\">	51.40%	</td>\n<td class=\"ROE\">	16.20%	</td>\n<td class=\"pricesales\">	0.7	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Entercom Communications	</td>\n<td class=\"name\">	Entercom Communications	</td>\n<td class=\"ticker\">	ETM	</td>\n<td class=\"ticker\">	Media	</td>\n<td class=\"ticker\">	Radio	</td>\n<td class=\"price\">	$10.15 	</td>\n<td class=\"price1\">	$10.15 	</td>\n<td class=\"rev\">	$411 	</td>\n<td class=\"mrktcap\">	$403 	</td>\n<td class=\"pricebook\">	1.16	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	13.5	</td>\n<td class=\"fpe\">	10.4	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.75	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-12.50%	</td>\n<td class=\"3yrs\">	35.70%	</td>\n<td class=\"sps\">	0.70%	</td>\n<td class=\"1year\">	11.80%	</td>\n<td class=\"ROE\">	7.70%	</td>\n<td class=\"pricesales\">	0.94	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	FBL Financial Group	</td>\n<td class=\"name\">	FBL Financial Group	</td>\n<td class=\"ticker\">	FFG	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$56.10 	</td>\n<td class=\"price1\">	$56.10 	</td>\n<td class=\"rev\">	$723 	</td>\n<td class=\"mrktcap\">	$1,390 	</td>\n<td class=\"pricebook\">	1.3	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.3	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	2.90%	</td>\n<td class=\"leverage\">	7.81	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	2.70%	</td>\n<td class=\"3yrs\">	15.90%	</td>\n<td class=\"sps\">	6.60%	</td>\n<td class=\"1year\">	1.90%	</td>\n<td class=\"ROE\">	9.70%	</td>\n<td class=\"pricesales\">	1.93	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Fidelity Southern	</td>\n<td class=\"name\">	Fidelity Southern	</td>\n<td class=\"ticker\">	LION	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Southern US	</td>\n<td class=\"price\">	$14.05 	</td>\n<td class=\"price1\">	$14.05 	</td>\n<td class=\"rev\">	$245 	</td>\n<td class=\"mrktcap\">	$325 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.08	</td>\n<td class=\"pe\">	7.9	</td>\n<td class=\"fpe\">	8.7	</td>\n<td class=\"divyield\">	3.40%	</td>\n<td class=\"leverage\">	12.77	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.70%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	-3.20%	</td>\n<td class=\"1year\">	24.80%	</td>\n<td class=\"ROE\">	13.80%	</td>\n<td class=\"pricesales\">	1.27	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Flexsteel Industries	</td>\n<td class=\"name\">	Flexsteel Industries	</td>\n<td class=\"ticker\">	FLXS	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"price\">	$38.51 	</td>\n<td class=\"price1\">	$38.51 	</td>\n<td class=\"rev\">	$496 	</td>\n<td class=\"mrktcap\">	$293 	</td>\n<td class=\"pricebook\">	1.48	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.1	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.90%	</td>\n<td class=\"leverage\">	1.25	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	26.70%	</td>\n<td class=\"3yrs\">	17.60%	</td>\n<td class=\"sps\">	7.10%	</td>\n<td class=\"1year\">	4.70%	</td>\n<td class=\"ROE\">	12.80%	</td>\n<td class=\"pricesales\">	0.58	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	FreightCar America	</td>\n<td class=\"name\">	FreightCar America	</td>\n<td class=\"ticker\">	RAIL	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Miscellaneous Manufactur	</td>\n<td class=\"price\">	$18.76 	</td>\n<td class=\"price1\">	$18.76 	</td>\n<td class=\"rev\">	$782 	</td>\n<td class=\"mrktcap\">	$231 	</td>\n<td class=\"pricebook\">	1.04	</td>\n<td class=\"pricetang\">	1.16	</td>\n<td class=\"pe\">	9.2	</td>\n<td class=\"fpe\">	9.3	</td>\n<td class=\"divyield\">	1.90%	</td>\n<td class=\"leverage\">	1.93	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-27.20%	</td>\n<td class=\"3yrs\">	&#8211;	</td>\n<td class=\"sps\">	0.90%	</td>\n<td class=\"1year\">	12.40%	</td>\n<td class=\"ROE\">	11.70%	</td>\n<td class=\"pricesales\">	0.29	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Fresh Del Monte Produce	</td>\n<td class=\"name\">	Fresh Del Monte Produce	</td>\n<td class=\"ticker\">	FDP	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Wholesale/Distrib	</td>\n<td class=\"price\">	$39.80 	</td>\n<td class=\"price1\">	$39.80 	</td>\n<td class=\"rev\">	$4,008 	</td>\n<td class=\"mrktcap\">	$2,080 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.43	</td>\n<td class=\"pe\">	15.6	</td>\n<td class=\"fpe\">	14.7	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	1.45	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	18.80%	</td>\n<td class=\"3yrs\">	3.50%	</td>\n<td class=\"sps\">	8.20%	</td>\n<td class=\"1year\">	1.20%	</td>\n<td class=\"ROE\">	7.40%	</td>\n<td class=\"pricesales\">	0.53	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	GAMCO Investors	</td>\n<td class=\"name\">	GAMCO Investors	</td>\n<td class=\"ticker\">	GBL	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Invest Mgmnt/Advis Serv	</td>\n<td class=\"price\">	$29.41 	</td>\n<td class=\"price1\">	$29.41 	</td>\n<td class=\"rev\">	$425 	</td>\n<td class=\"mrktcap\">	$877 	</td>\n<td class=\"pricebook\">	1.33	</td>\n<td class=\"pricetang\">	1.34	</td>\n<td class=\"pe\">	8	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.00%	</td>\n<td class=\"leverage\">	1.53	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-32.20%	</td>\n<td class=\"3yrs\">	6.10%	</td>\n<td class=\"sps\">	10.80%	</td>\n<td class=\"1year\">	-2.90%	</td>\n<td class=\"ROE\">	17.30%	</td>\n<td class=\"pricesales\">	1.74	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Greenbrier	</td>\n<td class=\"name\">	Greenbrier	</td>\n<td class=\"ticker\">	GBX	</td>\n<td class=\"ticker\">	Trucking &#038; Leasing	</td>\n<td class=\"ticker\">	Transport-Equip&#038;Leasng	</td>\n<td class=\"price\">	$26.10 	</td>\n<td class=\"price1\">	$26.10 	</td>\n<td class=\"rev\">	$2,913 	</td>\n<td class=\"mrktcap\">	$746 	</td>\n<td class=\"pricebook\">	0.97	</td>\n<td class=\"pricetang\">	1.14	</td>\n<td class=\"pe\">	3.3	</td>\n<td class=\"fpe\">	5.2	</td>\n<td class=\"divyield\">	3.10%	</td>\n<td class=\"leverage\">	2.07	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-53.70%	</td>\n<td class=\"3yrs\">	58.10%	</td>\n<td class=\"sps\">	14.60%	</td>\n<td class=\"1year\">	20.70%	</td>\n<td class=\"ROE\">	35.50%	</td>\n<td class=\"pricesales\">	0.26	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Heartland Financial USA	</td>\n<td class=\"name\">	Heartland Financial USA	</td>\n<td class=\"ticker\">	HTLF	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$27.91 	</td>\n<td class=\"price1\">	$27.91 	</td>\n<td class=\"rev\">	$377 	</td>\n<td class=\"mrktcap\">	$576 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.47	</td>\n<td class=\"pe\">	9.7	</td>\n<td class=\"fpe\">	9.7	</td>\n<td class=\"divyield\">	1.40%	</td>\n<td class=\"leverage\">	11.6	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-3.70%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	0.30%	</td>\n<td class=\"1year\">	27.10%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	1.54	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Hilltop Holdings	</td>\n<td class=\"name\">	Hilltop Holdings	</td>\n<td class=\"ticker\">	HTH	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Southern US	</td>\n<td class=\"price\">	$14.95 	</td>\n<td class=\"price1\">	$14.95 	</td>\n<td class=\"rev\">	$1,619 	</td>\n<td class=\"mrktcap\">	$1,478 	</td>\n<td class=\"pricebook\">	0.86	</td>\n<td class=\"pricetang\">	1.05	</td>\n<td class=\"pe\">	6.6	</td>\n<td class=\"fpe\">	8.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	7.22	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-22.10%	</td>\n<td class=\"3yrs\">	152.00%	</td>\n<td class=\"sps\">	78.70%	</td>\n<td class=\"1year\">	35.00%	</td>\n<td class=\"ROE\">	14.60%	</td>\n<td class=\"pricesales\">	0.9	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Hooker Furniture	</td>\n<td class=\"name\">	Hooker Furniture	</td>\n<td class=\"ticker\">	HOFT	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"price\">	$27.22 	</td>\n<td class=\"price1\">	$27.22 	</td>\n<td class=\"rev\">	$251 	</td>\n<td class=\"mrktcap\">	$314 	</td>\n<td class=\"pricebook\">	1.93	</td>\n<td class=\"pricetang\">	1.95	</td>\n<td class=\"pe\">	18	</td>\n<td class=\"fpe\">	16.4	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.17	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	42.60%	</td>\n<td class=\"3yrs\">	42.70%	</td>\n<td class=\"sps\">	5.60%	</td>\n<td class=\"1year\">	7.70%	</td>\n<td class=\"ROE\">	11.20%	</td>\n<td class=\"pricesales\">	1.17	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Independence Holding	</td>\n<td class=\"name\">	Independence Holding	</td>\n<td class=\"ticker\">	IHC	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$15.85 	</td>\n<td class=\"price1\">	$15.85 	</td>\n<td class=\"rev\">	$535 	</td>\n<td class=\"mrktcap\">	$274 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.12	</td>\n<td class=\"pe\">	9.5	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	3.7	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	29.00%	</td>\n<td class=\"3yrs\">	27.60%	</td>\n<td class=\"sps\">	10.60%	</td>\n<td class=\"1year\">	2.00%	</td>\n<td class=\"ROE\">	9.70%	</td>\n<td class=\"pricesales\">	0.51	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Infinity Property &#038; Casualty	</td>\n<td class=\"name\">	Infinity Property &#038; Casualty	</td>\n<td class=\"ticker\">	IPCC	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$77.23 	</td>\n<td class=\"price1\">	$77.23 	</td>\n<td class=\"rev\">	$1,480 	</td>\n<td class=\"mrktcap\">	$869 	</td>\n<td class=\"pricebook\">	1.25	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.2	</td>\n<td class=\"fpe\">	15.2	</td>\n<td class=\"divyield\">	2.20%	</td>\n<td class=\"leverage\">	3.52	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	7.90%	</td>\n<td class=\"3yrs\">	22.80%	</td>\n<td class=\"sps\">	8.30%	</td>\n<td class=\"1year\">	1.50%	</td>\n<td class=\"ROE\">	9.00%	</td>\n<td class=\"pricesales\">	0.59	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	InnerWorkings	</td>\n<td class=\"name\">	InnerWorkings	</td>\n<td class=\"ticker\">	INWK	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Transactional Software	</td>\n<td class=\"price\">	$6.42 	</td>\n<td class=\"price1\">	$6.42 	</td>\n<td class=\"rev\">	$1,006 	</td>\n<td class=\"mrktcap\">	$346 	</td>\n<td class=\"pricebook\">	1.14	</td>\n<td class=\"pricetang\">	24.82	</td>\n<td class=\"pe\">	7.6	</td>\n<td class=\"fpe\">	18.8	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.22	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	15.70%	</td>\n<td class=\"3yrs\">	29.70%	</td>\n<td class=\"sps\">	6.10%	</td>\n<td class=\"1year\">	0.20%	</td>\n<td class=\"ROE\">	16.10%	</td>\n<td class=\"pricesales\">	0.34	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Innospec	</td>\n<td class=\"name\">	Innospec	</td>\n<td class=\"ticker\">	IOSP	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Diversified	</td>\n<td class=\"price\">	$47.57 	</td>\n<td class=\"price1\">	$47.57 	</td>\n<td class=\"rev\">	$1,057 	</td>\n<td class=\"mrktcap\">	$1,146 	</td>\n<td class=\"pricebook\">	1.95	</td>\n<td class=\"pricetang\">	7.80	</td>\n<td class=\"pe\">	9.9	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	1.73	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	14.50%	</td>\n<td class=\"3yrs\">	13.70%	</td>\n<td class=\"sps\">	9.80%	</td>\n<td class=\"1year\">	31.30%	</td>\n<td class=\"ROE\">	22.20%	</td>\n<td class=\"pricesales\">	1.09	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Interface	</td>\n<td class=\"name\">	Interface	</td>\n<td class=\"ticker\">	TILE	</td>\n<td class=\"ticker\">	Office Furnishings	</td>\n<td class=\"ticker\">	Office Furnishings-Orig	</td>\n<td class=\"price\">	$15.53 	</td>\n<td class=\"price1\">	$15.53 	</td>\n<td class=\"rev\">	$1,027 	</td>\n<td class=\"mrktcap\">	$1,023 	</td>\n<td class=\"pricebook\">	3.13	</td>\n<td class=\"pricetang\">	3.91	</td>\n<td class=\"pe\">	16.3	</td>\n<td class=\"fpe\">	11.4	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	2.29	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.30%	</td>\n<td class=\"3yrs\">	187.40%	</td>\n<td class=\"sps\">	3.00%	</td>\n<td class=\"1year\">	-7.30%	</td>\n<td class=\"ROE\">	18.60%	</td>\n<td class=\"pricesales\">	1	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	International Bancshares	</td>\n<td class=\"name\">	International Bancshares	</td>\n<td class=\"ticker\">	IBOC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$21.40 	</td>\n<td class=\"price1\">	$21.40 	</td>\n<td class=\"rev\">	$560 	</td>\n<td class=\"mrktcap\">	$1,420 	</td>\n<td class=\"pricebook\">	0.86	</td>\n<td class=\"pricetang\">	1.03	</td>\n<td class=\"pe\">	10.1	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	2.70%	</td>\n<td class=\"leverage\">	7.27	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-9.30%	</td>\n<td class=\"3yrs\">	12.80%	</td>\n<td class=\"sps\">	-1.60%	</td>\n<td class=\"1year\">	-0.20%	</td>\n<td class=\"ROE\">	8.80%	</td>\n<td class=\"pricesales\">	2.54	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	International Speedway	</td>\n<td class=\"name\">	International Speedway	</td>\n<td class=\"ticker\">	ISCA	</td>\n<td class=\"ticker\">	Entertainment	</td>\n<td class=\"ticker\">	Racetracks	</td>\n<td class=\"price\">	$31.99 	</td>\n<td class=\"price1\">	$31.99 	</td>\n<td class=\"rev\">	$645 	</td>\n<td class=\"mrktcap\">	$1,502 	</td>\n<td class=\"pricebook\">	1.06	</td>\n<td class=\"pricetang\">	1.35	</td>\n<td class=\"pe\">	26.2	</td>\n<td class=\"fpe\">	20.1	</td>\n<td class=\"divyield\">	0.80%	</td>\n<td class=\"leverage\">	1.52	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	3.70%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	1.60%	</td>\n<td class=\"1year\">	2.10%	</td>\n<td class=\"ROE\">	4.10%	</td>\n<td class=\"pricesales\">	2.31	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Interval Leisure Group	</td>\n<td class=\"name\">	Interval Leisure Group	</td>\n<td class=\"ticker\">	IILG	</td>\n<td class=\"ticker\">	Lodging	</td>\n<td class=\"ticker\">	Hotels&#038;Motels	</td>\n<td class=\"price\">	$11.05 	</td>\n<td class=\"price1\">	$11.05 	</td>\n<td class=\"rev\">	$699 	</td>\n<td class=\"mrktcap\">	$635 	</td>\n<td class=\"pricebook\">	1.49	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	8.3	</td>\n<td class=\"fpe\">	8.5	</td>\n<td class=\"divyield\">	4.30%	</td>\n<td class=\"leverage\">	2.83	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-54.00%	</td>\n<td class=\"3yrs\">	29.70%	</td>\n<td class=\"sps\">	14.20%	</td>\n<td class=\"1year\">	24.20%	</td>\n<td class=\"ROE\">	19.00%	</td>\n<td class=\"pricesales\">	0.91	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	INTL. FCStone	</td>\n<td class=\"name\">	INTL. FCStone	</td>\n<td class=\"ticker\">	INTL	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$24.87 	</td>\n<td class=\"price1\">	$24.87 	</td>\n<td class=\"rev\">	$638 	</td>\n<td class=\"mrktcap\">	$474 	</td>\n<td class=\"pricebook\">	1.18	</td>\n<td class=\"pricetang\">	1.38	</td>\n<td class=\"pe\">	8.5	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	12.77	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	19.70%	</td>\n<td class=\"3yrs\">	24.40%	</td>\n<td class=\"sps\">	8.80%	</td>\n<td class=\"1year\">	66.80%	</td>\n<td class=\"ROE\">	14.70%	</td>\n<td class=\"pricesales\">	0.73	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Investment Technology Group	</td>\n<td class=\"name\">	Investment Technology Group	</td>\n<td class=\"ticker\">	ITG	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$17.30 	</td>\n<td class=\"price1\">	$17.30 	</td>\n<td class=\"rev\">	$635 	</td>\n<td class=\"mrktcap\">	$581 	</td>\n<td class=\"pricebook\">	1.26	</td>\n<td class=\"pricetang\">	1.37	</td>\n<td class=\"pe\">	6.3	</td>\n<td class=\"fpe\">	20.8	</td>\n<td class=\"divyield\">	1.60%	</td>\n<td class=\"leverage\">	3.76	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-20.20%	</td>\n<td class=\"3yrs\">	34.40%	</td>\n<td class=\"sps\">	12.60%	</td>\n<td class=\"1year\">	26.50%	</td>\n<td class=\"ROE\">	21.00%	</td>\n<td class=\"pricesales\">	0.92	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	IXYS	</td>\n<td class=\"name\">	IXYS	</td>\n<td class=\"ticker\">	IXYS	</td>\n<td class=\"ticker\">	Semiconductors	</td>\n<td class=\"ticker\">	Electronic Compo-Semicon	</td>\n<td class=\"price\">	$10.69 	</td>\n<td class=\"price1\">	$10.69 	</td>\n<td class=\"rev\">	$320 	</td>\n<td class=\"mrktcap\">	$337 	</td>\n<td class=\"pricebook\">	1.24	</td>\n<td class=\"pricetang\">	1.52	</td>\n<td class=\"pe\">	21	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.54	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-9.90%	</td>\n<td class=\"3yrs\">	5.90%	</td>\n<td class=\"sps\">	1.80%	</td>\n<td class=\"1year\">	12.20%	</td>\n<td class=\"ROE\">	6.00%	</td>\n<td class=\"pricesales\">	1.06	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	J&#038;J Snack Foods	</td>\n<td class=\"name\">	J&#038;J Snack Foods	</td>\n<td class=\"ticker\">	JJSF	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Misc/Diversified	</td>\n<td class=\"price\">	$105.94 	</td>\n<td class=\"price1\">	$105.94 	</td>\n<td class=\"rev\">	$986 	</td>\n<td class=\"mrktcap\">	$1,980 	</td>\n<td class=\"pricebook\">	3.29	</td>\n<td class=\"pricetang\">	4.20	</td>\n<td class=\"pe\">	27.7	</td>\n<td class=\"fpe\">	25.5	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.23	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.90%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	5.40%	</td>\n<td class=\"1year\">	5.50%	</td>\n<td class=\"ROE\">	12.30%	</td>\n<td class=\"pricesales\">	2.01	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Kadant	</td>\n<td class=\"name\">	Kadant	</td>\n<td class=\"ticker\">	KAI	</td>\n<td class=\"ticker\">	Diversified Machinery	</td>\n<td class=\"ticker\">	Machinery-General Indust	</td>\n<td class=\"price\">	$37.88 	</td>\n<td class=\"price1\">	$37.88 	</td>\n<td class=\"rev\">	$388 	</td>\n<td class=\"mrktcap\">	$408 	</td>\n<td class=\"pricebook\">	1.56	</td>\n<td class=\"pricetang\">	4.06	</td>\n<td class=\"pe\">	12.5	</td>\n<td class=\"fpe\">	11.4	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.61	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-7.20%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	5.50%	</td>\n<td class=\"1year\">	1.10%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	1.06	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Kaman	</td>\n<td class=\"name\">	Kaman	</td>\n<td class=\"ticker\">	KAMN	</td>\n<td class=\"ticker\">	Aerospace/Defence	</td>\n<td class=\"ticker\">	Aerospace/Defense-Equip	</td>\n<td class=\"price\">	$41.47 	</td>\n<td class=\"price1\">	$41.47 	</td>\n<td class=\"rev\">	$1,801 	</td>\n<td class=\"mrktcap\">	$1,123 	</td>\n<td class=\"pricebook\">	2.02	</td>\n<td class=\"pricetang\">	5.10	</td>\n<td class=\"pe\">	16.9	</td>\n<td class=\"fpe\">	14.9	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	2.2	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.40%	</td>\n<td class=\"3yrs\">	8.40%	</td>\n<td class=\"sps\">	3.60%	</td>\n<td class=\"1year\">	-0.20%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	0.63	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	KapStone Paper and Packaging	</td>\n<td class=\"name\">	KapStone Paper and Packaging	</td>\n<td class=\"ticker\">	KS	</td>\n<td class=\"ticker\">	Packaging &#038; Containers	</td>\n<td class=\"ticker\">	Containers-Paper/Plastic	</td>\n<td class=\"price\">	$9.43 	</td>\n<td class=\"price1\">	$9.43 	</td>\n<td class=\"rev\">	$2,789 	</td>\n<td class=\"mrktcap\">	$908 	</td>\n<td class=\"pricebook\">	1.07	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	8.5	</td>\n<td class=\"fpe\">	7.1	</td>\n<td class=\"divyield\">	4.20%	</td>\n<td class=\"leverage\">	3.81	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-69.20%	</td>\n<td class=\"3yrs\">	18.60%	</td>\n<td class=\"sps\">	30.50%	</td>\n<td class=\"1year\">	26.00%	</td>\n<td class=\"ROE\">	13.10%	</td>\n<td class=\"pricesales\">	0.33	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	KMG Chemicals	</td>\n<td class=\"name\">	KMG Chemicals	</td>\n<td class=\"ticker\">	KMG	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Specialty	</td>\n<td class=\"price\">	$20.27 	</td>\n<td class=\"price1\">	$20.27 	</td>\n<td class=\"rev\">	$306 	</td>\n<td class=\"mrktcap\">	$237 	</td>\n<td class=\"pricebook\">	1.85	</td>\n<td class=\"pricetang\">	3.40	</td>\n<td class=\"pe\">	15.4	</td>\n<td class=\"fpe\">	12.6	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	1.87	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.20%	</td>\n<td class=\"3yrs\">	1.30%	</td>\n<td class=\"sps\">	3.90%	</td>\n<td class=\"1year\">	-3.40%	</td>\n<td class=\"ROE\">	12.70%	</td>\n<td class=\"pricesales\">	0.77	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Korn/Ferry International	</td>\n<td class=\"name\">	Korn/Ferry International	</td>\n<td class=\"ticker\">	KFY	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Human Resources	</td>\n<td class=\"price\">	$26.76 	</td>\n<td class=\"price1\">	$26.76 	</td>\n<td class=\"rev\">	$1,112 	</td>\n<td class=\"mrktcap\">	$1,372 	</td>\n<td class=\"pricebook\">	1.63	</td>\n<td class=\"pricetang\">	2.52	</td>\n<td class=\"pe\">	14.9	</td>\n<td class=\"fpe\">	11.2	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.52	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.80%	</td>\n<td class=\"3yrs\">	33.00%	</td>\n<td class=\"sps\">	9.40%	</td>\n<td class=\"1year\">	5.30%	</td>\n<td class=\"ROE\">	11.00%	</td>\n<td class=\"pricesales\">	1.19	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	LegacyTexas Financial	</td>\n<td class=\"name\">	LegacyTexas Financial	</td>\n<td class=\"ticker\">	LTXB	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$17.01 	</td>\n<td class=\"price1\">	$17.01 	</td>\n<td class=\"rev\">	$306 	</td>\n<td class=\"mrktcap\">	$810 	</td>\n<td class=\"pricebook\">	1.01	</td>\n<td class=\"pricetang\">	1.30	</td>\n<td class=\"pe\">	11	</td>\n<td class=\"fpe\">	9.6	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	9.57	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-23.20%	</td>\n<td class=\"3yrs\">	16.70%	</td>\n<td class=\"sps\">	12.70%	</td>\n<td class=\"1year\">	84.70%	</td>\n<td class=\"ROE\">	10.30%	</td>\n<td class=\"pricesales\">	2.54	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Lydall	</td>\n<td class=\"name\">	Lydall	</td>\n<td class=\"ticker\">	LDL	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Diversified Manufact Op	</td>\n<td class=\"price\">	$26.54 	</td>\n<td class=\"price1\">	$26.54 	</td>\n<td class=\"rev\">	$521 	</td>\n<td class=\"mrktcap\">	$452 	</td>\n<td class=\"pricebook\">	1.87	</td>\n<td class=\"pricetang\">	2.07	</td>\n<td class=\"pe\">	9.5	</td>\n<td class=\"fpe\">	11.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	1.58	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-6.00%	</td>\n<td class=\"3yrs\">	40.10%	</td>\n<td class=\"sps\">	11.30%	</td>\n<td class=\"1year\">	2.10%	</td>\n<td class=\"ROE\">	20.50%	</td>\n<td class=\"pricesales\">	0.85	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Meritage Homes	</td>\n<td class=\"name\">	Meritage Homes	</td>\n<td class=\"ticker\">	MTH	</td>\n<td class=\"ticker\">	Home Builders	</td>\n<td class=\"ticker\">	Bldg-Residential/Commer	</td>\n<td class=\"price\">	$28.48 	</td>\n<td class=\"price1\">	$28.48 	</td>\n<td class=\"rev\">	$2,593 	</td>\n<td class=\"mrktcap\">	$1,130 	</td>\n<td class=\"pricebook\">	0.9	</td>\n<td class=\"pricetang\">	0.90	</td>\n<td class=\"pe\">	8.8	</td>\n<td class=\"fpe\">	7.7	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.14	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-29.30%	</td>\n<td class=\"3yrs\">	3.20%	</td>\n<td class=\"sps\">	23.40%	</td>\n<td class=\"1year\">	16.20%	</td>\n<td class=\"ROE\">	10.90%	</td>\n<td class=\"pricesales\">	0.44	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Miller Industries	</td>\n<td class=\"name\">	Miller Industries	</td>\n<td class=\"ticker\">	MLR	</td>\n<td class=\"ticker\">	Auto Parts &#038; Equipment	</td>\n<td class=\"ticker\">	Auto/Trk Prts&#038;Equip-Orig	</td>\n<td class=\"price\">	$19.95 	</td>\n<td class=\"price1\">	$19.95 	</td>\n<td class=\"rev\">	$552 	</td>\n<td class=\"mrktcap\">	$226 	</td>\n<td class=\"pricebook\">	1.31	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	12.7	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	1.58	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-2.80%	</td>\n<td class=\"3yrs\">	12.30%	</td>\n<td class=\"sps\">	13.50%	</td>\n<td class=\"1year\">	9.20%	</td>\n<td class=\"ROE\">	10.50%	</td>\n<td class=\"pricesales\">	0.41	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	MKS Instruments	</td>\n<td class=\"name\">	MKS Instruments	</td>\n<td class=\"ticker\">	MKSI	</td>\n<td class=\"ticker\">	Semiconductors	</td>\n<td class=\"ticker\">	Semiconductor Equipment	</td>\n<td class=\"price\">	$32.08 	</td>\n<td class=\"price1\">	$32.08 	</td>\n<td class=\"rev\">	$814 	</td>\n<td class=\"mrktcap\">	$1,708 	</td>\n<td class=\"pricebook\">	1.47	</td>\n<td class=\"pricetang\">	1.86	</td>\n<td class=\"pe\">	14	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	2.10%	</td>\n<td class=\"leverage\">	1.1	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.30%	</td>\n<td class=\"3yrs\">	36.00%	</td>\n<td class=\"sps\">	7.70%	</td>\n<td class=\"1year\">	4.00%	</td>\n<td class=\"ROE\">	10.90%	</td>\n<td class=\"pricesales\">	2.1	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Movado Group	</td>\n<td class=\"name\">	Movado Group	</td>\n<td class=\"ticker\">	MOV	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Jewelry	</td>\n<td class=\"price\">	$24.16 	</td>\n<td class=\"price1\">	$24.16 	</td>\n<td class=\"rev\">	$586 	</td>\n<td class=\"mrktcap\">	$556 	</td>\n<td class=\"pricebook\">	1.24	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.1	</td>\n<td class=\"fpe\">	10.8	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.35	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-2.80%	</td>\n<td class=\"3yrs\">	&#8211;	</td>\n<td class=\"sps\">	6.90%	</td>\n<td class=\"1year\">	1.90%	</td>\n<td class=\"ROE\">	10.20%	</td>\n<td class=\"pricesales\">	0.99	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	National Penn Bancshares	</td>\n<td class=\"name\">	National Penn Bancshares	</td>\n<td class=\"ticker\">	NPBC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$10.69 	</td>\n<td class=\"price1\">	$10.69 	</td>\n<td class=\"rev\">	$400 	</td>\n<td class=\"mrktcap\">	$1,500 	</td>\n<td class=\"pricebook\">	1.29	</td>\n<td class=\"pricetang\">	1.76	</td>\n<td class=\"pe\">	13.5	</td>\n<td class=\"fpe\">	13.2	</td>\n<td class=\"divyield\">	4.10%	</td>\n<td class=\"leverage\">	8.26	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	6.20%	</td>\n<td class=\"3yrs\">	6.20%	</td>\n<td class=\"sps\">	1.10%	</td>\n<td class=\"1year\">	-1.60%	</td>\n<td class=\"ROE\">	9.40%	</td>\n<td class=\"pricesales\">	3.77	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Navigant Consulting	</td>\n<td class=\"name\">	Navigant Consulting	</td>\n<td class=\"ticker\">	NCI	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Consulting Services	</td>\n<td class=\"price\">	$14.83 	</td>\n<td class=\"price1\">	$14.83 	</td>\n<td class=\"rev\">	$919 	</td>\n<td class=\"mrktcap\">	$706 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	13.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	1.71	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.30%	</td>\n<td class=\"3yrs\">	11.50%	</td>\n<td class=\"sps\">	5.20%	</td>\n<td class=\"1year\">	12.40%	</td>\n<td class=\"ROE\">	10.60%	</td>\n<td class=\"pricesales\">	0.77	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Nelnet	</td>\n<td class=\"name\">	Nelnet	</td>\n<td class=\"ticker\">	NNI	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Consumer Loans	</td>\n<td class=\"price\">	$32.95 	</td>\n<td class=\"price1\">	$32.95 	</td>\n<td class=\"rev\">	$1,165 	</td>\n<td class=\"mrktcap\">	$1,478 	</td>\n<td class=\"pricebook\">	0.81	</td>\n<td class=\"pricetang\">	0.88	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	6.2	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	16.91	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-28.40%	</td>\n<td class=\"3yrs\">	12.70%	</td>\n<td class=\"sps\">	5.90%	</td>\n<td class=\"1year\">	1.10%	</td>\n<td class=\"ROE\">	14.80%	</td>\n<td class=\"pricesales\">	1.3	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	PC Connection	</td>\n<td class=\"name\">	PC Connection	</td>\n<td class=\"ticker\">	PCCC	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Computer Equip	</td>\n<td class=\"price\">	$22.52 	</td>\n<td class=\"price1\">	$22.52 	</td>\n<td class=\"rev\">	$2,574 	</td>\n<td class=\"mrktcap\">	$596 	</td>\n<td class=\"pricebook\">	1.52	</td>\n<td class=\"pricetang\">	1.76	</td>\n<td class=\"pe\">	12.7	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.63	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-4.20%	</td>\n<td class=\"3yrs\">	12.30%	</td>\n<td class=\"sps\">	6.10%	</td>\n<td class=\"1year\">	18.40%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	0.23	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	PDL BioPharma	</td>\n<td class=\"name\">	PDL BioPharma	</td>\n<td class=\"ticker\">	PDLI	</td>\n<td class=\"ticker\">	Biotechnology	</td>\n<td class=\"ticker\">	Medical-Biomedical/Gene	</td>\n<td class=\"price\">	$2.88 	</td>\n<td class=\"price1\">	$2.88 	</td>\n<td class=\"rev\">	$529 	</td>\n<td class=\"mrktcap\">	$471 	</td>\n<td class=\"pricebook\">	0.79	</td>\n<td class=\"pricetang\">	2.23	</td>\n<td class=\"pe\">	1.6	</td>\n<td class=\"fpe\">	4.6	</td>\n<td class=\"divyield\">	6.90%	</td>\n<td class=\"leverage\">	1.71	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-55.50%	</td>\n<td class=\"3yrs\">	6.70%	</td>\n<td class=\"sps\">	7.90%	</td>\n<td class=\"1year\">	4.20%	</td>\n<td class=\"ROE\">	57.60%	</td>\n<td class=\"pricesales\">	0.89	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Pegasystems	</td>\n<td class=\"name\">	Pegasystems	</td>\n<td class=\"ticker\">	PEGA	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Data Processing/Mgmt	</td>\n<td class=\"price\">	$20.73 	</td>\n<td class=\"price1\">	$20.73 	</td>\n<td class=\"rev\">	$647 	</td>\n<td class=\"mrktcap\">	$1,584 	</td>\n<td class=\"pricebook\">	5.2	</td>\n<td class=\"pricetang\">	7.15	</td>\n<td class=\"pe\">	44.1	</td>\n<td class=\"fpe\">	23.4	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	1.91	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	1.90%	</td>\n<td class=\"3yrs\">	357.90%	</td>\n<td class=\"sps\">	13.90%	</td>\n<td class=\"1year\">	6.30%	</td>\n<td class=\"ROE\">	12.20%	</td>\n<td class=\"pricesales\">	2.45	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	PH Glatfelter	</td>\n<td class=\"name\">	PH Glatfelter	</td>\n<td class=\"ticker\">	GLT	</td>\n<td class=\"ticker\">	Forest Products &#038; Paper	</td>\n<td class=\"ticker\">	Paper&#038;Related Products	</td>\n<td class=\"price\">	$16.68 	</td>\n<td class=\"price1\">	$16.68 	</td>\n<td class=\"rev\">	$1,667 	</td>\n<td class=\"mrktcap\">	$724 	</td>\n<td class=\"pricebook\">	1.12	</td>\n<td class=\"pricetang\">	1.44	</td>\n<td class=\"pe\">	11.2	</td>\n<td class=\"fpe\">	10.6	</td>\n<td class=\"divyield\">	2.90%	</td>\n<td class=\"leverage\">	2.38	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-29.50%	</td>\n<td class=\"3yrs\">	2.60%	</td>\n<td class=\"sps\">	1.30%	</td>\n<td class=\"1year\">	-3.70%	</td>\n<td class=\"ROE\">	7.50%	</td>\n<td class=\"pricesales\">	0.43	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Provident Financial Services	</td>\n<td class=\"name\">	Provident Financial Services	</td>\n<td class=\"ticker\">	PFS	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$18.00 	</td>\n<td class=\"price1\">	$18.00 	</td>\n<td class=\"rev\">	$342 	</td>\n<td class=\"mrktcap\">	$1,184 	</td>\n<td class=\"pricebook\">	0.99	</td>\n<td class=\"pricetang\">	1.56	</td>\n<td class=\"pe\">	13.4	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	7.48	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	2.20%	</td>\n<td class=\"3yrs\">	4.60%	</td>\n<td class=\"sps\">	0.60%	</td>\n<td class=\"1year\">	5.20%	</td>\n<td class=\"ROE\">	7.20%	</td>\n<td class=\"pricesales\">	3.3	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	QAD	</td>\n<td class=\"name\">	QAD	</td>\n<td class=\"ticker\">	QADB	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Decision Support Softwar	</td>\n<td class=\"price\">	$15.85 	</td>\n<td class=\"price1\">	$15.85 	</td>\n<td class=\"rev\">	$288 	</td>\n<td class=\"mrktcap\">	$322 	</td>\n<td class=\"pricebook\">	2.4	</td>\n<td class=\"pricetang\">	2.73	</td>\n<td class=\"pe\">	23	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	2	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-10.10%	</td>\n<td class=\"3yrs\">	13.40%	</td>\n<td class=\"sps\">	2.30%	</td>\n<td class=\"1year\">	22.40%	</td>\n<td class=\"ROE\">	12.20%	</td>\n<td class=\"pricesales\">	0.96	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	QEP Resources	</td>\n<td class=\"name\">	QEP Resources	</td>\n<td class=\"ticker\">	QEP	</td>\n<td class=\"ticker\">	Oil &#038; Gas	</td>\n<td class=\"ticker\">	Oil Comp-Explor&#038;Prodtn	</td>\n<td class=\"price\">	$10.58 	</td>\n<td class=\"price1\">	$10.58 	</td>\n<td class=\"rev\">	$2,819 	</td>\n<td class=\"mrktcap\">	$1,870 	</td>\n<td class=\"pricebook\">	0.47	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	3.4	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.80%	</td>\n<td class=\"leverage\">	2.13	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-50.20%	</td>\n<td class=\"3yrs\">	54.60%	</td>\n<td class=\"sps\">	4.10%	</td>\n<td class=\"1year\">	-17.70%	</td>\n<td class=\"ROE\">	14.80%	</td>\n<td class=\"pricesales\">	0.67	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	S&#038;T Bancorp	</td>\n<td class=\"name\">	S&#038;T Bancorp	</td>\n<td class=\"ticker\">	STBA	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$24.65 	</td>\n<td class=\"price1\">	$24.65 	</td>\n<td class=\"rev\">	$255 	</td>\n<td class=\"mrktcap\">	$858 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.71	</td>\n<td class=\"pe\">	12.5	</td>\n<td class=\"fpe\">	11.6	</td>\n<td class=\"divyield\">	3.10%	</td>\n<td class=\"leverage\">	7.98	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-10.00%	</td>\n<td class=\"3yrs\">	19.00%	</td>\n<td class=\"sps\">	1.50%	</td>\n<td class=\"1year\">	27.30%	</td>\n<td class=\"ROE\">	9.60%	</td>\n<td class=\"pricesales\">	3.28	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Sanderson Farms	</td>\n<td class=\"name\">	Sanderson Farms	</td>\n<td class=\"ticker\">	SAFM	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Poultry	</td>\n<td class=\"price\">	$81.17 	</td>\n<td class=\"price1\">	$81.17 	</td>\n<td class=\"rev\">	$2,803 	</td>\n<td class=\"mrktcap\">	$1,832 	</td>\n<td class=\"pricebook\">	1.78	</td>\n<td class=\"pricetang\">	1.78	</td>\n<td class=\"pe\">	8.6	</td>\n<td class=\"fpe\">	15.1	</td>\n<td class=\"divyield\">	1.10%	</td>\n<td class=\"leverage\">	1.22	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	9.60%	</td>\n<td class=\"3yrs\">	59.50%	</td>\n<td class=\"sps\">	5.80%	</td>\n<td class=\"1year\">	12.60%	</td>\n<td class=\"ROE\">	22.00%	</td>\n<td class=\"pricesales\">	0.64	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Sandy Spring Bancorp	</td>\n<td class=\"name\">	Sandy Spring Bancorp	</td>\n<td class=\"ticker\">	SASR	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$24.98 	</td>\n<td class=\"price1\">	$24.98 	</td>\n<td class=\"rev\">	$208 	</td>\n<td class=\"mrktcap\">	$609 	</td>\n<td class=\"pricebook\">	1.16	</td>\n<td class=\"pricetang\">	1.38	</td>\n<td class=\"pe\">	13.5	</td>\n<td class=\"fpe\">	13.3	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	8.88	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	2.10%	</td>\n<td class=\"3yrs\">	7.50%	</td>\n<td class=\"sps\">	2.90%	</td>\n<td class=\"1year\">	5.90%	</td>\n<td class=\"ROE\">	8.70%	</td>\n<td class=\"pricesales\">	2.95	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Sanmina	</td>\n<td class=\"name\">	Sanmina	</td>\n<td class=\"ticker\">	SANM	</td>\n<td class=\"ticker\">	Electronics	</td>\n<td class=\"ticker\">	Electronic Compo-Misc	</td>\n<td class=\"price\">	$19.56 	</td>\n<td class=\"price1\">	$19.56 	</td>\n<td class=\"rev\">	$6,238 	</td>\n<td class=\"mrktcap\">	$1,510 	</td>\n<td class=\"pricebook\">	0.99	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	4.1	</td>\n<td class=\"fpe\">	7.9	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.25	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-11.20%	</td>\n<td class=\"3yrs\">	31.30%	</td>\n<td class=\"sps\">	1.20%	</td>\n<td class=\"1year\">	6.40%	</td>\n<td class=\"ROE\">	27.20%	</td>\n<td class=\"pricesales\">	0.25	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Scholastic	</td>\n<td class=\"name\">	Scholastic	</td>\n<td class=\"ticker\">	SCHL	</td>\n<td class=\"ticker\">	Media	</td>\n<td class=\"ticker\">	Publishing-Books	</td>\n<td class=\"price\">	$33.54 	</td>\n<td class=\"price1\">	$33.54 	</td>\n<td class=\"rev\">	$1,663 	</td>\n<td class=\"mrktcap\">	$1,151 	</td>\n<td class=\"pricebook\">	0.92	</td>\n<td class=\"pricetang\">	1.02	</td>\n<td class=\"pe\">	4	</td>\n<td class=\"fpe\">	19	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.46	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-6.70%	</td>\n<td class=\"3yrs\">	51.60%	</td>\n<td class=\"sps\">	-8.50%	</td>\n<td class=\"1year\">	10.40%	</td>\n<td class=\"ROE\">	25.10%	</td>\n<td class=\"pricesales\">	0.67	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Seneca Foods	</td>\n<td class=\"name\">	Seneca Foods	</td>\n<td class=\"ticker\">	SENEB	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Canned	</td>\n<td class=\"price\">	$44.88 	</td>\n<td class=\"price1\">	$44.88 	</td>\n<td class=\"rev\">	$1,250 	</td>\n<td class=\"mrktcap\">	$318 	</td>\n<td class=\"pricebook\">	1.14	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	10.4	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.46	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	40.20%	</td>\n<td class=\"3yrs\">	12.40%	</td>\n<td class=\"sps\">	3.40%	</td>\n<td class=\"1year\">	9.00%	</td>\n<td class=\"ROE\">	11.00%	</td>\n<td class=\"pricesales\">	0.36	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Simmons First National	</td>\n<td class=\"name\">	Simmons First National	</td>\n<td class=\"ticker\">	SFNC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Southern US	</td>\n<td class=\"price\">	$39.55 	</td>\n<td class=\"price1\">	$39.55 	</td>\n<td class=\"rev\">	$397 	</td>\n<td class=\"mrktcap\">	$1,184 	</td>\n<td class=\"pricebook\">	1.15	</td>\n<td class=\"pricetang\">	1.80	</td>\n<td class=\"pe\">	15.4	</td>\n<td class=\"fpe\">	11.4	</td>\n<td class=\"divyield\">	2.30%	</td>\n<td class=\"leverage\">	7.03	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	3.40%	</td>\n<td class=\"3yrs\">	16.20%	</td>\n<td class=\"sps\">	10.30%	</td>\n<td class=\"1year\">	62.80%	</td>\n<td class=\"ROE\">	9.60%	</td>\n<td class=\"pricesales\">	2.8	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Simpson Manufacturing	</td>\n<td class=\"name\">	Simpson Manufacturing	</td>\n<td class=\"ticker\">	SSD	</td>\n<td class=\"ticker\">	Building Materials	</td>\n<td class=\"ticker\">	Bldg&#038;Construct Prod-Misc	</td>\n<td class=\"price\">	$32.74 	</td>\n<td class=\"price1\">	$32.74 	</td>\n<td class=\"rev\">	$794 	</td>\n<td class=\"mrktcap\">	$1,581 	</td>\n<td class=\"pricebook\">	1.86	</td>\n<td class=\"pricetang\">	2.18	</td>\n<td class=\"pe\">	23.7	</td>\n<td class=\"fpe\">	19.8	</td>\n<td class=\"divyield\">	2.00%	</td>\n<td class=\"leverage\">	1.13	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-3.10%	</td>\n<td class=\"3yrs\">	16.60%	</td>\n<td class=\"sps\">	6.10%	</td>\n<td class=\"1year\">	-1.20%	</td>\n<td class=\"ROE\">	7.90%	</td>\n<td class=\"pricesales\">	2.02	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	SkyWest	</td>\n<td class=\"name\">	SkyWest	</td>\n<td class=\"ticker\">	SKYW	</td>\n<td class=\"ticker\">	Airlines	</td>\n<td class=\"ticker\">	Airlines	</td>\n<td class=\"price\">	$14.94 	</td>\n<td class=\"price1\">	$14.94 	</td>\n<td class=\"rev\">	$3,096 	</td>\n<td class=\"mrktcap\">	$758 	</td>\n<td class=\"pricebook\">	0.52	</td>\n<td class=\"pricetang\">	0.52	</td>\n<td class=\"pe\">	6.4	</td>\n<td class=\"fpe\">	6.8	</td>\n<td class=\"divyield\">	1.10%	</td>\n<td class=\"leverage\">	3.37	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	17.10%	</td>\n<td class=\"3yrs\">	32.40%	</td>\n<td class=\"sps\">	-4.30%	</td>\n<td class=\"1year\">	12.00%	</td>\n<td class=\"ROE\">	3.40%	</td>\n<td class=\"pricesales\">	0.25	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Sonic Automotive	</td>\n<td class=\"name\">	Sonic Automotive	</td>\n<td class=\"ticker\">	SAH	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Automobile	</td>\n<td class=\"price\">	$15.99 	</td>\n<td class=\"price1\">	$15.99 	</td>\n<td class=\"rev\">	$9,505 	</td>\n<td class=\"mrktcap\">	$796 	</td>\n<td class=\"pricebook\">	1.15	</td>\n<td class=\"pricetang\">	5.76	</td>\n<td class=\"pe\">	10.1	</td>\n<td class=\"fpe\">	7.4	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	4.75	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-37.60%	</td>\n<td class=\"3yrs\">	2.20%	</td>\n<td class=\"sps\">	6.60%	</td>\n<td class=\"1year\">	10.30%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	0.09	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	State Auto Financial	</td>\n<td class=\"name\">	State Auto Financial	</td>\n<td class=\"ticker\">	STFC	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$21.76 	</td>\n<td class=\"price1\">	$21.76 	</td>\n<td class=\"rev\">	$1,318 	</td>\n<td class=\"mrktcap\">	$899 	</td>\n<td class=\"pricebook\">	1.02	</td>\n<td class=\"pricetang\">	1.02	</td>\n<td class=\"pe\">	7.9	</td>\n<td class=\"fpe\">	14	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	3.21	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-4.90%	</td>\n<td class=\"3yrs\">	7.70%	</td>\n<td class=\"sps\">	1.10%	</td>\n<td class=\"1year\">	8.60%	</td>\n<td class=\"ROE\">	13.30%	</td>\n<td class=\"pricesales\">	0.68	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Superior Uniform Group	</td>\n<td class=\"name\">	Superior Uniform Group	</td>\n<td class=\"ticker\">	SGC	</td>\n<td class=\"ticker\">	Apparel	</td>\n<td class=\"ticker\">	Apparel Manufacturers	</td>\n<td class=\"price\">	$16.25 	</td>\n<td class=\"price1\">	$16.25 	</td>\n<td class=\"rev\">	$207 	</td>\n<td class=\"mrktcap\">	$225 	</td>\n<td class=\"pricebook\">	2.47	</td>\n<td class=\"pricetang\">	3.12	</td>\n<td class=\"pe\">	17.9	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	2.00%	</td>\n<td class=\"leverage\">	1.67	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-10.70%	</td>\n<td class=\"3yrs\">	50.90%	</td>\n<td class=\"sps\">	16.60%	</td>\n<td class=\"1year\">	11.50%	</td>\n<td class=\"ROE\">	14.60%	</td>\n<td class=\"pricesales\">	1.07	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	TCF Financial	</td>\n<td class=\"name\">	TCF Financial	</td>\n<td class=\"ticker\">	TCB	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$10.47 	</td>\n<td class=\"price1\">	$10.47 	</td>\n<td class=\"rev\">	$1,334 	</td>\n<td class=\"mrktcap\">	$1,775 	</td>\n<td class=\"pricebook\">	0.88	</td>\n<td class=\"pricetang\">	0.99	</td>\n<td class=\"pe\">	9.7	</td>\n<td class=\"fpe\">	8.9	</td>\n<td class=\"divyield\">	2.90%	</td>\n<td class=\"leverage\">	8.97	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-31.20%	</td>\n<td class=\"3yrs\">	40.70%	</td>\n<td class=\"sps\">	-2.30%	</td>\n<td class=\"1year\">	6.70%	</td>\n<td class=\"ROE\">	9.10%	</td>\n<td class=\"pricesales\">	1.3	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	TeleTech Holdings	</td>\n<td class=\"name\">	TeleTech Holdings	</td>\n<td class=\"ticker\">	TTEC	</td>\n<td class=\"ticker\">	Computers	</td>\n<td class=\"ticker\">	Computer Services	</td>\n<td class=\"price\">	$24.49 	</td>\n<td class=\"price1\">	$24.49 	</td>\n<td class=\"rev\">	$1,283 	</td>\n<td class=\"mrktcap\">	$1,185 	</td>\n<td class=\"pricebook\">	2.86	</td>\n<td class=\"pricetang\">	4.90	</td>\n<td class=\"pe\">	17.9	</td>\n<td class=\"fpe\">	13.8	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	2.02	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	10.20%	</td>\n<td class=\"3yrs\">	4.50%	</td>\n<td class=\"sps\">	8.00%	</td>\n<td class=\"1year\">	-0.40%	</td>\n<td class=\"ROE\">	15.30%	</td>\n<td class=\"pricesales\">	0.92	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Unifi	</td>\n<td class=\"name\">	Unifi	</td>\n<td class=\"ticker\">	UFI	</td>\n<td class=\"ticker\">	Apparel	</td>\n<td class=\"ticker\">	Textile-Apparel	</td>\n<td class=\"price\">	$21.34 	</td>\n<td class=\"price1\">	$21.34 	</td>\n<td class=\"rev\">	$664 	</td>\n<td class=\"mrktcap\">	$381 	</td>\n<td class=\"pricebook\">	1.28	</td>\n<td class=\"pricetang\">	1.30	</td>\n<td class=\"pe\">	9.6	</td>\n<td class=\"fpe\">	9.7	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	1.67	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-34.40%	</td>\n<td class=\"3yrs\">	23.80%	</td>\n<td class=\"sps\">	1.30%	</td>\n<td class=\"1year\">	6.70%	</td>\n<td class=\"ROE\">	13.80%	</td>\n<td class=\"pricesales\">	0.58	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	United Financial Bancorp	</td>\n<td class=\"name\">	United Financial Bancorp	</td>\n<td class=\"ticker\">	UBNK	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$10.85 	</td>\n<td class=\"price1\">	$10.85 	</td>\n<td class=\"rev\">	$229 	</td>\n<td class=\"mrktcap\">	$538 	</td>\n<td class=\"pricebook\">	0.86	</td>\n<td class=\"pricetang\">	1.07	</td>\n<td class=\"pe\">	10.7	</td>\n<td class=\"fpe\">	10.9	</td>\n<td class=\"divyield\">	4.40%	</td>\n<td class=\"leverage\">	9.96	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-10.60%	</td>\n<td class=\"3yrs\">	21.00%	</td>\n<td class=\"sps\">	12.00%	</td>\n<td class=\"1year\">	13.70%	</td>\n<td class=\"ROE\">	8.10%	</td>\n<td class=\"pricesales\">	2.32	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	United Fire Group	</td>\n<td class=\"name\">	United Fire Group	</td>\n<td class=\"ticker\">	UFCS	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Multi-line Insurance	</td>\n<td class=\"price\">	$36.33 	</td>\n<td class=\"price1\">	$36.33 	</td>\n<td class=\"rev\">	$1,009 	</td>\n<td class=\"mrktcap\">	$911 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.11	</td>\n<td class=\"pe\">	9.8	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	2.40%	</td>\n<td class=\"leverage\">	4.58	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	27.20%	</td>\n<td class=\"3yrs\">	16.80%	</td>\n<td class=\"sps\">	9.00%	</td>\n<td class=\"1year\">	1.30%	</td>\n<td class=\"ROE\">	11.20%	</td>\n<td class=\"pricesales\">	0.9	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Universal Forest Products	</td>\n<td class=\"name\">	Universal Forest Products	</td>\n<td class=\"ticker\">	UFPI	</td>\n<td class=\"ticker\">	Building Materials	</td>\n<td class=\"ticker\">	Bldg Prod-Wood	</td>\n<td class=\"price\">	$61.04 	</td>\n<td class=\"price1\">	$61.04 	</td>\n<td class=\"rev\">	$2,854 	</td>\n<td class=\"mrktcap\">	$1,229 	</td>\n<td class=\"pricebook\">	1.65	</td>\n<td class=\"pricetang\">	2.26	</td>\n<td class=\"pe\">	17	</td>\n<td class=\"fpe\">	14.4	</td>\n<td class=\"divyield\">	1.40%	</td>\n<td class=\"leverage\">	1.47	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	20.80%	</td>\n<td class=\"3yrs\">	43.70%	</td>\n<td class=\"sps\">	11.70%	</td>\n<td class=\"1year\">	9.50%	</td>\n<td class=\"ROE\">	10.10%	</td>\n<td class=\"pricesales\">	0.43	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Viad	</td>\n<td class=\"name\">	Viad	</td>\n<td class=\"ticker\">	VVI	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Divers Oper/Commer Serv	</td>\n<td class=\"price\">	$27.01 	</td>\n<td class=\"price1\">	$27.01 	</td>\n<td class=\"rev\">	$1,089 	</td>\n<td class=\"mrktcap\">	$544 	</td>\n<td class=\"pricebook\">	1.6	</td>\n<td class=\"pricetang\">	4.84	</td>\n<td class=\"pe\">	20.3	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	2.13	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.20%	</td>\n<td class=\"3yrs\">	70.10%	</td>\n<td class=\"sps\">	1.90%	</td>\n<td class=\"1year\">	26.10%	</td>\n<td class=\"ROE\">	12.80%	</td>\n<td class=\"pricesales\">	0.49	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Village Super Market	</td>\n<td class=\"name\">	Village Super Market	</td>\n<td class=\"ticker\">	VLGEA	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Retail	</td>\n<td class=\"price\">	$24.29 	</td>\n<td class=\"price1\">	$24.29 	</td>\n<td class=\"rev\">	$1,594 	</td>\n<td class=\"mrktcap\">	$344 	</td>\n<td class=\"pricebook\">	1.35	</td>\n<td class=\"pricetang\">	1.42	</td>\n<td class=\"pe\">	9.9	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	4.10%	</td>\n<td class=\"leverage\">	1.71	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-10.60%	</td>\n<td class=\"3yrs\">	2.60%	</td>\n<td class=\"sps\">	2.30%	</td>\n<td class=\"1year\">	-3.60%	</td>\n<td class=\"ROE\">	14.00%	</td>\n<td class=\"pricesales\">	0.21	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Walker &#038; Dunlop	</td>\n<td class=\"name\">	Walker &#038; Dunlop	</td>\n<td class=\"ticker\">	WD	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Mortgage Banks	</td>\n<td class=\"price\">	$19.66 	</td>\n<td class=\"price1\">	$19.66 	</td>\n<td class=\"rev\">	$468 	</td>\n<td class=\"mrktcap\">	$601 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	1.46	</td>\n<td class=\"pe\">	7.1	</td>\n<td class=\"fpe\">	7.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	7.14	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.50%	</td>\n<td class=\"3yrs\">	27.90%	</td>\n<td class=\"sps\">	17.70%	</td>\n<td class=\"1year\">	74.50%	</td>\n<td class=\"ROE\">	17.80%	</td>\n<td class=\"pricesales\">	1.25	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Washington Federal	</td>\n<td class=\"name\">	Washington Federal	</td>\n<td class=\"ticker\">	WAFD	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Western US	</td>\n<td class=\"price\">	$19.87 	</td>\n<td class=\"price1\">	$19.87 	</td>\n<td class=\"rev\">	$578 	</td>\n<td class=\"mrktcap\">	$1,819 	</td>\n<td class=\"pricebook\">	0.94	</td>\n<td class=\"pricetang\">	1.10	</td>\n<td class=\"pe\">	12	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	2.80%	</td>\n<td class=\"leverage\">	7.45	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-1.90%	</td>\n<td class=\"3yrs\">	8.20%	</td>\n<td class=\"sps\">	3.90%	</td>\n<td class=\"1year\">	1.30%	</td>\n<td class=\"ROE\">	7.90%	</td>\n<td class=\"pricesales\">	3.24	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Web.com Group	</td>\n<td class=\"name\">	Web.com Group	</td>\n<td class=\"ticker\">	WEB	</td>\n<td class=\"ticker\">	Internet	</td>\n<td class=\"ticker\">	Web Hosting/Design	</td>\n<td class=\"price\">	$16.24 	</td>\n<td class=\"price1\">	$16.24 	</td>\n<td class=\"rev\">	$543 	</td>\n<td class=\"mrktcap\">	$826 	</td>\n<td class=\"pricebook\">	3.46	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	9	</td>\n<td class=\"fpe\">	6	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	4.86	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	3.80%	</td>\n<td class=\"3yrs\">	39.10%	</td>\n<td class=\"sps\">	7.60%	</td>\n<td class=\"1year\">	-6.50%	</td>\n<td class=\"ROE\">	43.60%	</td>\n<td class=\"pricesales\">	1.5	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Werner Enterprises	</td>\n<td class=\"name\">	Werner Enterprises	</td>\n<td class=\"ticker\">	WERN	</td>\n<td class=\"ticker\">	Transportation	</td>\n<td class=\"ticker\">	Transport-Truck	</td>\n<td class=\"price\">	$25.90 	</td>\n<td class=\"price1\">	$25.90 	</td>\n<td class=\"rev\">	$2,094 	</td>\n<td class=\"mrktcap\">	$1,865 	</td>\n<td class=\"pricebook\">	1.99	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	15.1	</td>\n<td class=\"fpe\">	14.9	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	1.72	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-12.30%	</td>\n<td class=\"3yrs\">	7.10%	</td>\n<td class=\"sps\">	1.40%	</td>\n<td class=\"1year\">	9.00%	</td>\n<td class=\"ROE\">	14.00%	</td>\n<td class=\"pricesales\">	0.89	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Weyco Group	</td>\n<td class=\"name\">	Weyco Group	</td>\n<td class=\"ticker\">	WEYS	</td>\n<td class=\"ticker\">	Apparel	</td>\n<td class=\"ticker\">	Footwear&#038;Related Apparel	</td>\n<td class=\"price\">	$25.14 	</td>\n<td class=\"price1\">	$25.14 	</td>\n<td class=\"rev\">	$328 	</td>\n<td class=\"mrktcap\">	$273 	</td>\n<td class=\"pricebook\">	1.4	</td>\n<td class=\"pricetang\">	1.87	</td>\n<td class=\"pe\">	14	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	1.52	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-5.90%	</td>\n<td class=\"3yrs\">	4.90%	</td>\n<td class=\"sps\">	4.50%	</td>\n<td class=\"1year\">	10.10%	</td>\n<td class=\"ROE\">	10.00%	</td>\n<td class=\"pricesales\">	0.82	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	World Acceptance	</td>\n<td class=\"name\">	World Acceptance	</td>\n<td class=\"ticker\">	WRLD	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Consumer Loans	</td>\n<td class=\"price\">	$30.43 	</td>\n<td class=\"price1\">	$30.43 	</td>\n<td class=\"rev\">	$586 	</td>\n<td class=\"mrktcap\">	$272 	</td>\n<td class=\"pricebook\">	0.74	</td>\n<td class=\"pricetang\">	0.76	</td>\n<td class=\"pe\">	2.5	</td>\n<td class=\"fpe\">	3.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.5	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-61.00%	</td>\n<td class=\"3yrs\">	16.70%	</td>\n<td class=\"sps\">	16.60%	</td>\n<td class=\"1year\">	-3.30%	</td>\n<td class=\"ROE\">	31.40%	</td>\n<td class=\"pricesales\">	0.45	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n</tbody>\n</table>\n<link href=\"http://cdn.rawgit.com/bradvin/FooTable/V2/css/footable.core.min.css\" rel=\"stylesheet\" />\n<p><script type=\"text/javascript\" src=\"http://ajax.googleapis.com/ajax/libs/jquery/1.8.0/jquery.min.js\"></script><script type=\"text/javascript\" src=\"http://cdn.rawgit.com/bradvin/FooTable/V2/dist/footable.min.js\"></script></p>\n<p><script type=\"text/javascript\" src=\"http://cdn.rawgit.com/bradvin/FooTable/V2/dist/footable.sort.min.js\"></script><script type=\"text/javascript\" src=\"http://cdn.rawgit.com/bradvin/FooTable/V2/dist/footable.filter.min.js\"></script><script type=\"text/javascript\">// <![CDATA[\n$(document).ready(function(){   $(\'.footable\').footable(); });\n// ]]&gt;</script><br />\n<script>\n$(\"#i500-search\").keydown(function(e){\nif (e.keyCode == 13 && !e.shiftKey)\n{\n  e.preventDefault();\n  return false;\n  }\n});</script><br />\n<!-- Mike Shoss --></p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/the-small-cap-100-of-2016/\">The Small Cap 100 of 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>\n','The Small Cap 100 of 2016','<p>Big growth can happen in small packages. See the full 100 list plus our All-Star stocks</p>\n<p>The post <a rel=\"nofollow\" href=\"http://www.moneysense.ca/save/investing/stocks/the-small-cap-100-of-2016/\">The Small Cap 100 of 2016</a> appeared first on <a rel=\"nofollow\" href=\"http://www.moneysense.ca/\">MoneySense</a>.</p>','pending','closed','closed','','','','','2016-03-09 16:30:52','2016-03-09 21:30:52','',0,'http://www.moneysense.ca/?p=147174',0,'post','',0),(443,1,'2016-03-09 16:30:52','2016-03-09 21:30:52','<p class=\"p1\"><span class=\"s1\"><div class=\"clear linknav\"><a href=\"http://www.moneysense.ca/?p=147170\" title=\"Where to buy now\"><img src=\"http://www.moneysense.ca/wp-content/uploads/2016/03/SMALL_CAP_BANNER.jpg\" /></a><ul class=\"nav-bar link-200898\"><li><a href=\"http://www.moneysense.ca/?p=147170%20\">Overview</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=147174%20\">SUBSCRIBERS ONLY: Small Cap 100 + All-Stars</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=147178\">SUBSCRIBERS ONLY: Mid Cap All-Stars</a></li>\n<li><a href=\"http://www.moneysense.ca/?p=148504\">SUBSCRIBERS ONLY: Small Cap 1,000</a></li>\n</ul></div></span></p>\n<h3>Double-A stocks</h3>\n<p class=\"p2\">While there are scores of interesting stocks in the tables, the double-A companies always stand out. Four of them happen to be in the insurance business. Both EMC Insurance (EMCI) and State Auto (STFC) provide property and casualty insurance. The former is based in Des Moines, Iowa, and the latter in Columbus, Ohio. United Fire (UFCS) hails from Cedar Rapids, Ohio, and adds life insurance to the mix. Independence (IHC) is the fourth member of the club. It focuses on life and health insurance from<span class=\"Apple-converted-space\">  </span>Stamford, Conn. All trade near book value and at below 10 times earnings.</p>\n<p class=\"p3\">The last four are led by Berkshire Hills (BHLB), which is a savings and loan based in Pittsfield, Mass., that pays a dividend yield of 3.2% and trades for less than book value. International Speedway (ISCA) runs motor-sports events from Daytona Beach, Fla., and is one of the few stocks that rose last year. IXYS (IXYS) is a semiconductor company based in Milpitas, Calif. Miller Industries (MLR) is a Tennessee-based towing and recovery equipment maker.</p>\n<p class=\"p3\">Be aware that stock screens have their limitations. Before you invest, make sure a company’s situation hasn’t changed in some important way. Read its latest press releases, regulatory filings and scan newspaper stories to get up to speed on the most recent developments. Take a hard look at each stock and consider both the hard numbers and less tangible qualities before investing.</p>\n<p class=\"p3\">While we think our top stocks have the ingredients necessary for success, the future is far from certain and some of them will inevitably disappoint. That’s why it’s important to head to the market only after you’ve done your homework.<span class=\"Apple-converted-space\">  </span><span class=\"s2\"><span class=\"Apple-converted-space\">  </span></span></p>\n<style>\n.footable-row-detail-inner{\nwidth:100%;\n}\ntd.name.footable-visible, td.name1.footable-visible{\ncolor: #0045a6;\n}\n@media screen and (min-width: 1007px) {\n    .footable-row-detail-name {\n        min-width: 337px;\n    }\n}\ntd.top, td.top1 {color: #fbaa19;}\n<!--\n.nav-bar li { 	border-left: 1px solid #ddd; } .nav-bar li { 	border-right: 1px solid #FFF } input#i500-search,input#i500-search2,input#i500-search3,input#i500-search4,input#i500-search5,input#i500-search6,input#i500-search7,input#i500-search8,input#i500-search9 { 	 	box-sizing: border-box; 		 	display: block; 	 	width: 100%; 	 	padding: 6px; 	 	border: solid 1px #777; 	 	outline: none;  } td.company { 	 	font-weight: bold;  } .MSGray{ 	color:#82bbc6; 	font-weight:bold; } .footable-row-detail-name{ 	width:43% !important; }\n--></style>\n</style>\n<form style=\"box-sizing: border-box; padding: 1em; background: #eee;\">\n<label class=\"searchlabel\" for=\"search\">Search to filter by company, ticker, industry&#8230;</label><br />\n<input id=\"i500-search\" type=\"text\" /></form>\n<table class=\"footable large-cap toggle-circle-filled\" data-filter=\"#i500-search\">\n<thead>\n<tr>\n<th class=\"name\" data-type=\"alpha\">Name</th>\n<th class=\"name1\" data-type=\"alpha\" data-hide=\"all\">Name</th>\n<th class=\"ticker\" data-type=\"alpha\" data-hide=\"all\">Ticker</th>\n<th class=\"indgroup\" data-type=\"alpha\" data-hide=\"all\">Industry Group</th>\n<th class=\"indsub\" data-type=\"alpha\" data-hide=\"all\">Industry Subgroup</th>\n<th class=\"price\" data-type=\"alpha\">Price (Feb. 11, 2016)</th>\n<th class=\"price1\" data-type=\"alpha\" data-hide=\"all\">Price (Feb. 11, 2016)</th>\n<th class=\"rev\" data-type=\"alpha\" data-hide=\"all\">Revenue ($M)</th>\n<th class=\"mrktcap\" data-type=\"alpha\" data-hide=\"all\">Market Capitalization ($M)</th>\n<th class=\"pricebook\" data-type=\"alpha\" data-hide=\"all\">Price/Book</th>\n<th class=\"pricetang\" data-type=\"alpha\" data-hide=\"all\">Price/TangibleBook</th>\n<th class=\"pe\" data-type=\"alpha\" data-hide=\"all\">P/E (Last 12 Months)</th>\n<th class=\"fpe\" data-type=\"alpha\" data-hide=\"all\">Forward P/E</th>\n<th class=\"divyield\" data-type=\"alpha\" data-hide=\"all\">Dividend Yield</th>\n<th class=\"leverage\" data-type=\"alpha\" data-hide=\"all\">Leverage (Assets/Equity)</th>\n<th class=\"valgrade\" data-type=\"alpha\">Value Grade</th>\n<th class=\"valgrade1\" data-type=\"alpha\" data-hide=\"all\">Value Grade</th>\n<th class=\"return\" data-type=\"alpha\" data-hide=\"all\">Return</th>\n<th class=\"3yrs\" data-type=\"alpha\" data-hide=\"all\">3 Yr EPS Growth</th>\n<th class=\"sps\" data-type=\"alpha\" data-hide=\"all\">3 Yr SPS Growth</th>\n<th class=\"1year\" data-type=\"alpha\" data-hide=\"all\">1 Yr Total Asset Growth</th>\n<th class=\"ROE\" data-type=\"alpha\" data-hide=\"all\">Return on Equity</th>\n<th class=\"pricesales\" data-type=\"alpha\" data-hide=\"all\">Price/Sales</th>\n<th class=\"growthgrade\" data-type=\"alpha\">Growth Grade</th>\n<th class=\"growthgrade1\" data-type=\"alpha\" data-hide=\"all\">Growth Grade</th>\n<th class=\"top\" data-type=\"alpha\">All-Stars</th>\n<th class=\"top1\" data-type=\"alpha\" data-hide=\"all\">All-Stars</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td class=\"name\">	1st Source	</td>\n<td class=\"name\">	1st Source	</td>\n<td class=\"ticker\">	SRCE	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$28.44 	</td>\n<td class=\"price1\">	$28.44 	</td>\n<td class=\"rev\">	$268 	</td>\n<td class=\"mrktcap\">	$770 	</td>\n<td class=\"pricebook\">	1.2	</td>\n<td class=\"pricetang\">	1.38	</td>\n<td class=\"pe\">	13.4	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	2.50%	</td>\n<td class=\"leverage\">	8.06	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	3.20%	</td>\n<td class=\"3yrs\">	5.00%	</td>\n<td class=\"sps\">	0.50%	</td>\n<td class=\"1year\">	7.40%	</td>\n<td class=\"ROE\">	9.10%	</td>\n<td class=\"pricesales\">	2.84	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Aceto	</td>\n<td class=\"name\">	Aceto	</td>\n<td class=\"ticker\">	ACET	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Diversified	</td>\n<td class=\"price\">	$19.77 	</td>\n<td class=\"price1\">	$19.77 	</td>\n<td class=\"rev\">	$558 	</td>\n<td class=\"mrktcap\">	$584 	</td>\n<td class=\"pricebook\">	2.04	</td>\n<td class=\"pricetang\">	4.34	</td>\n<td class=\"pe\">	14.5	</td>\n<td class=\"fpe\">	11.7	</td>\n<td class=\"divyield\">	1.20%	</td>\n<td class=\"leverage\">	1.83	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-0.40%	</td>\n<td class=\"3yrs\">	24.80%	</td>\n<td class=\"sps\">	4.10%	</td>\n<td class=\"1year\">	9.30%	</td>\n<td class=\"ROE\">	15.10%	</td>\n<td class=\"pricesales\">	1.03	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Aircastle	</td>\n<td class=\"name\">	Aircastle	</td>\n<td class=\"ticker\">	AYR	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Leasing Compan	</td>\n<td class=\"price\">	$15.87 	</td>\n<td class=\"price1\">	$15.87 	</td>\n<td class=\"rev\">	$819 	</td>\n<td class=\"mrktcap\">	$1,247 	</td>\n<td class=\"pricebook\">	0.73	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	10.6	</td>\n<td class=\"fpe\">	7.7	</td>\n<td class=\"divyield\">	6.00%	</td>\n<td class=\"leverage\">	3.69	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-21.70%	</td>\n<td class=\"3yrs\">	48.30%	</td>\n<td class=\"sps\">	1.60%	</td>\n<td class=\"1year\">	5.20%	</td>\n<td class=\"ROE\">	8.40%	</td>\n<td class=\"pricesales\">	1.56	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Alamo Group	</td>\n<td class=\"name\">	Alamo Group	</td>\n<td class=\"ticker\">	ALG	</td>\n<td class=\"ticker\">	Diversified Machinery	</td>\n<td class=\"ticker\">	Machinery-Farm	</td>\n<td class=\"price\">	$49.98 	</td>\n<td class=\"price1\">	$49.98 	</td>\n<td class=\"rev\">	$879 	</td>\n<td class=\"mrktcap\">	$571 	</td>\n<td class=\"pricebook\">	1.61	</td>\n<td class=\"pricetang\">	2.54	</td>\n<td class=\"pe\">	13.1	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	0.70%	</td>\n<td class=\"leverage\">	1.82	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	4.60%	</td>\n<td class=\"3yrs\">	11.40%	</td>\n<td class=\"sps\">	13.80%	</td>\n<td class=\"1year\">	-1.40%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	0.64	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	American Equity Investment Life	</td>\n<td class=\"name\">	American Equity Investment Life	</td>\n<td class=\"ticker\">	AEL	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$12.81 	</td>\n<td class=\"price1\">	$12.81 	</td>\n<td class=\"rev\">	$2,102 	</td>\n<td class=\"mrktcap\">	$1,045 	</td>\n<td class=\"pricebook\">	0.48	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	4.6	</td>\n<td class=\"fpe\">	4.9	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	21.92	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-54.40%	</td>\n<td class=\"3yrs\">	43.50%	</td>\n<td class=\"sps\">	8.00%	</td>\n<td class=\"1year\">	9.70%	</td>\n<td class=\"ROE\">	10.50%	</td>\n<td class=\"pricesales\">	0.48	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	ArcBest	</td>\n<td class=\"name\">	ArcBest	</td>\n<td class=\"ticker\">	ARCB	</td>\n<td class=\"ticker\">	Transportation	</td>\n<td class=\"ticker\">	Transport-Truck	</td>\n<td class=\"price\">	$18.56 	</td>\n<td class=\"price1\">	$18.56 	</td>\n<td class=\"rev\">	$2,667 	</td>\n<td class=\"mrktcap\">	$480 	</td>\n<td class=\"pricebook\">	0.82	</td>\n<td class=\"pricetang\">	1.16	</td>\n<td class=\"pe\">	10.9	</td>\n<td class=\"fpe\">	11.1	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	2.15	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-51.50%	</td>\n<td class=\"3yrs\">	91.60%	</td>\n<td class=\"sps\">	8.30%	</td>\n<td class=\"1year\">	12.00%	</td>\n<td class=\"ROE\">	7.70%	</td>\n<td class=\"pricesales\">	0.18	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Atwood Oceanics	</td>\n<td class=\"name\">	Atwood Oceanics	</td>\n<td class=\"ticker\">	ATW	</td>\n<td class=\"ticker\">	Oil &#038; Gas	</td>\n<td class=\"ticker\">	Oil&#038;Gas Drilling	</td>\n<td class=\"price\">	$5.56 	</td>\n<td class=\"price1\">	$5.56 	</td>\n<td class=\"rev\">	$1,352 	</td>\n<td class=\"mrktcap\">	$360 	</td>\n<td class=\"pricebook\">	0.12	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	0.8	</td>\n<td class=\"fpe\">	2.2	</td>\n<td class=\"divyield\">	5.40%	</td>\n<td class=\"leverage\">	1.59	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-82.10%	</td>\n<td class=\"3yrs\">	15.50%	</td>\n<td class=\"sps\">	17.30%	</td>\n<td class=\"1year\">	4.40%	</td>\n<td class=\"ROE\">	15.20%	</td>\n<td class=\"pricesales\">	0.27	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	AVX	</td>\n<td class=\"name\">	AVX	</td>\n<td class=\"ticker\">	AVX	</td>\n<td class=\"ticker\">	Electronics	</td>\n<td class=\"ticker\">	Electronic Compo-Misc	</td>\n<td class=\"price\">	$11.27 	</td>\n<td class=\"price1\">	$11.27 	</td>\n<td class=\"rev\">	$1,207 	</td>\n<td class=\"mrktcap\">	$1,889 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.00	</td>\n<td class=\"pe\">	9.9	</td>\n<td class=\"fpe\">	15.4	</td>\n<td class=\"divyield\">	3.70%	</td>\n<td class=\"leverage\">	1.08	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-14.30%	</td>\n<td class=\"3yrs\">	90.90%	</td>\n<td class=\"sps\">	-4.90%	</td>\n<td class=\"1year\">	-2.50%	</td>\n<td class=\"ROE\">	9.00%	</td>\n<td class=\"pricesales\">	1.57	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Banc of California	</td>\n<td class=\"name\">	Banc of California	</td>\n<td class=\"ticker\">	BANC	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Western US	</td>\n<td class=\"price\">	$14.50 	</td>\n<td class=\"price1\">	$14.50 	</td>\n<td class=\"rev\">	$487 	</td>\n<td class=\"mrktcap\">	$548 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	1.37	</td>\n<td class=\"pe\">	11	</td>\n<td class=\"fpe\">	9.4	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	12.62	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	39.30%	</td>\n<td class=\"3yrs\">	48.90%	</td>\n<td class=\"sps\">	17.10%	</td>\n<td class=\"1year\">	37.90%	</td>\n<td class=\"ROE\">	11.70%	</td>\n<td class=\"pricesales\">	1.15	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Barnes Group	</td>\n<td class=\"name\">	Barnes Group	</td>\n<td class=\"ticker\">	B	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Diversified Manufact Op	</td>\n<td class=\"price\">	$30.69 	</td>\n<td class=\"price1\">	$30.69 	</td>\n<td class=\"rev\">	$1,217 	</td>\n<td class=\"mrktcap\">	$1,685 	</td>\n<td class=\"pricebook\">	1.45	</td>\n<td class=\"pricetang\">	43.91	</td>\n<td class=\"pe\">	13.2	</td>\n<td class=\"fpe\">	12	</td>\n<td class=\"divyield\">	1.60%	</td>\n<td class=\"leverage\">	1.79	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-14.40%	</td>\n<td class=\"3yrs\">	24.40%	</td>\n<td class=\"sps\">	8.20%	</td>\n<td class=\"1year\">	-3.60%	</td>\n<td class=\"ROE\">	11.10%	</td>\n<td class=\"pricesales\">	1.39	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	BBCN Bancorp	</td>\n<td class=\"name\">	BBCN Bancorp	</td>\n<td class=\"ticker\">	BBCN	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Western US	</td>\n<td class=\"price\">	$13.79 	</td>\n<td class=\"price1\">	$13.79 	</td>\n<td class=\"rev\">	$360 	</td>\n<td class=\"mrktcap\">	$1,097 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.32	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	11.3	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	8.43	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	7.10%	</td>\n<td class=\"3yrs\">	5.40%	</td>\n<td class=\"sps\">	4.70%	</td>\n<td class=\"1year\">	10.80%	</td>\n<td class=\"ROE\">	10.10%	</td>\n<td class=\"pricesales\">	3.05	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Berkshire Hills Bancorp	</td>\n<td class=\"name\">	Berkshire Hills Bancorp	</td>\n<td class=\"ticker\">	BHLB	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$25.03 	</td>\n<td class=\"price1\">	$25.03 	</td>\n<td class=\"rev\">	$301 	</td>\n<td class=\"mrktcap\">	$775 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.6	</td>\n<td class=\"fpe\">	11.1	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	8.83	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-0.80%	</td>\n<td class=\"3yrs\">	4.70%	</td>\n<td class=\"sps\">	1.00%	</td>\n<td class=\"1year\">	20.50%	</td>\n<td class=\"ROE\">	6.20%	</td>\n<td class=\"pricesales\">	2.36	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Biglari Holdings	</td>\n<td class=\"name\">	Biglari Holdings	</td>\n<td class=\"ticker\">	BH	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Restaurants	</td>\n<td class=\"price\">	$361.43 	</td>\n<td class=\"price1\">	$361.43 	</td>\n<td class=\"rev\">	$871 	</td>\n<td class=\"mrktcap\">	$747 	</td>\n<td class=\"pricebook\">	1.53	</td>\n<td class=\"pricetang\">	1.75	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.19	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-13.20%	</td>\n<td class=\"3yrs\">	48.40%	</td>\n<td class=\"sps\">	3.50%	</td>\n<td class=\"1year\">	-9.20%	</td>\n<td class=\"ROE\">	19.60%	</td>\n<td class=\"pricesales\">	0.69	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Boston Private Financial	</td>\n<td class=\"name\">	Boston Private Financial	</td>\n<td class=\"ticker\">	BPFH	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Fiduciary Banks	</td>\n<td class=\"price\">	$9.70 	</td>\n<td class=\"price1\">	$9.70 	</td>\n<td class=\"rev\">	$375 	</td>\n<td class=\"mrktcap\">	$811 	</td>\n<td class=\"pricebook\">	1.16	</td>\n<td class=\"pricetang\">	1.59	</td>\n<td class=\"pe\">	12.8	</td>\n<td class=\"fpe\">	12.6	</td>\n<td class=\"divyield\">	4.10%	</td>\n<td class=\"leverage\">	9.86	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-20.40%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	1.50%	</td>\n<td class=\"1year\">	11.00%	</td>\n<td class=\"ROE\">	9.10%	</td>\n<td class=\"pricesales\">	2.09	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Brookline Bancorp	</td>\n<td class=\"name\">	Brookline Bancorp	</td>\n<td class=\"ticker\">	BRKL	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$10.23 	</td>\n<td class=\"price1\">	$10.23 	</td>\n<td class=\"rev\">	$247 	</td>\n<td class=\"mrktcap\">	$718 	</td>\n<td class=\"pricebook\">	1.09	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.4	</td>\n<td class=\"fpe\">	13.6	</td>\n<td class=\"divyield\">	3.50%	</td>\n<td class=\"leverage\">	8.97	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	8.90%	</td>\n<td class=\"3yrs\">	10.20%	</td>\n<td class=\"sps\">	2.00%	</td>\n<td class=\"1year\">	4.20%	</td>\n<td class=\"ROE\">	7.60%	</td>\n<td class=\"pricesales\">	2.9	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Carriage Services	</td>\n<td class=\"name\">	Carriage Services	</td>\n<td class=\"ticker\">	CSV	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Funeral Serv&#038;Rel Items	</td>\n<td class=\"price\">	$20.75 	</td>\n<td class=\"price1\">	$20.75 	</td>\n<td class=\"rev\">	$240 	</td>\n<td class=\"mrktcap\">	$360 	</td>\n<td class=\"pricebook\">	2.13	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	18.4	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	0.50%	</td>\n<td class=\"leverage\">	4.9	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-4.70%	</td>\n<td class=\"3yrs\">	37.20%	</td>\n<td class=\"sps\">	7.30%	</td>\n<td class=\"1year\">	0.30%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	1.57	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Celadon Group	</td>\n<td class=\"name\">	Celadon Group	</td>\n<td class=\"ticker\">	CGI	</td>\n<td class=\"ticker\">	Transportation	</td>\n<td class=\"ticker\">	Transport-Truck	</td>\n<td class=\"price\">	$8.91 	</td>\n<td class=\"price1\">	$8.91 	</td>\n<td class=\"rev\">	$1,026 	</td>\n<td class=\"mrktcap\">	$248 	</td>\n<td class=\"pricebook\">	0.67	</td>\n<td class=\"pricetang\">	0.80	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	7.2	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	3.17	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-64.10%	</td>\n<td class=\"3yrs\">	3.60%	</td>\n<td class=\"sps\">	13.10%	</td>\n<td class=\"1year\">	33.60%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	0.23	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Chemical Financial	</td>\n<td class=\"name\">	Chemical Financial	</td>\n<td class=\"ticker\">	CHFC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$31.76 	</td>\n<td class=\"price1\">	$31.76 	</td>\n<td class=\"rev\">	$372 	</td>\n<td class=\"mrktcap\">	$1,212 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	1.75	</td>\n<td class=\"pe\">	13.3	</td>\n<td class=\"fpe\">	11.7	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	9.04	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	9.90%	</td>\n<td class=\"3yrs\">	8.90%	</td>\n<td class=\"sps\">	2.40%	</td>\n<td class=\"1year\">	25.50%	</td>\n<td class=\"ROE\">	9.60%	</td>\n<td class=\"pricesales\">	3.08	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Chemtura	</td>\n<td class=\"name\">	Chemtura	</td>\n<td class=\"ticker\">	CHMT	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Specialty	</td>\n<td class=\"price\">	$25.27 	</td>\n<td class=\"price1\">	$25.27 	</td>\n<td class=\"rev\">	$1,813 	</td>\n<td class=\"mrktcap\">	$1,697 	</td>\n<td class=\"pricebook\">	1.75	</td>\n<td class=\"pricetang\">	2.39	</td>\n<td class=\"pe\">	2.6	</td>\n<td class=\"fpe\">	13.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.46	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	6.80%	</td>\n<td class=\"3yrs\">	102.60%	</td>\n<td class=\"sps\">	0.50%	</td>\n<td class=\"1year\">	0.30%	</td>\n<td class=\"ROE\">	86.70%	</td>\n<td class=\"pricesales\">	0.99	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Cowen Group	</td>\n<td class=\"name\">	Cowen Group	</td>\n<td class=\"ticker\">	COWN	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$2.70 	</td>\n<td class=\"price1\">	$2.70 	</td>\n<td class=\"rev\">	$569 	</td>\n<td class=\"mrktcap\">	$289 	</td>\n<td class=\"pricebook\">	0.45	</td>\n<td class=\"pricetang\">	0.50	</td>\n<td class=\"pe\">	2	</td>\n<td class=\"fpe\">	6.1	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.04	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-42.40%	</td>\n<td class=\"3yrs\">	53.60%	</td>\n<td class=\"sps\">	26.40%	</td>\n<td class=\"1year\">	-48.50%	</td>\n<td class=\"ROE\">	25.90%	</td>\n<td class=\"pricesales\">	0.53	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	CSG Systems International	</td>\n<td class=\"name\">	CSG Systems International	</td>\n<td class=\"ticker\">	CSGS	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Data Processing/Mgmt	</td>\n<td class=\"price\">	$37.29 	</td>\n<td class=\"price1\">	$37.29 	</td>\n<td class=\"rev\">	$753 	</td>\n<td class=\"mrktcap\">	$1,219 	</td>\n<td class=\"pricebook\">	3.51	</td>\n<td class=\"pricetang\">	23.67	</td>\n<td class=\"pe\">	18.5	</td>\n<td class=\"fpe\">	14	</td>\n<td class=\"divyield\">	2.00%	</td>\n<td class=\"leverage\">	2.54	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	27.10%	</td>\n<td class=\"3yrs\">	10.20%	</td>\n<td class=\"sps\">	1.00%	</td>\n<td class=\"1year\">	2.00%	</td>\n<td class=\"ROE\">	17.50%	</td>\n<td class=\"pricesales\">	1.54	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Customers Bancorp	</td>\n<td class=\"name\">	Customers Bancorp	</td>\n<td class=\"ticker\">	CUBI	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$21.78 	</td>\n<td class=\"price1\">	$21.78 	</td>\n<td class=\"rev\">	$278 	</td>\n<td class=\"mrktcap\">	$608 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.18	</td>\n<td class=\"pe\">	10.5	</td>\n<td class=\"fpe\">	9.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	15.17	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-2.70%	</td>\n<td class=\"3yrs\">	8.70%	</td>\n<td class=\"sps\">	5.70%	</td>\n<td class=\"1year\">	23.10%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	2.11	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Donegal Group	</td>\n<td class=\"name\">	Donegal Group	</td>\n<td class=\"ticker\">	DGICA	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$14.34 	</td>\n<td class=\"price1\">	$14.34 	</td>\n<td class=\"rev\">	$624 	</td>\n<td class=\"mrktcap\">	$399 	</td>\n<td class=\"pricebook\">	0.91	</td>\n<td class=\"pricetang\">	0.92	</td>\n<td class=\"pe\">	16.7	</td>\n<td class=\"fpe\">	10.1	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	3.47	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-7.20%	</td>\n<td class=\"3yrs\">	11.10%	</td>\n<td class=\"sps\">	4.50%	</td>\n<td class=\"1year\">	5.00%	</td>\n<td class=\"ROE\">	5.50%	</td>\n<td class=\"pricesales\">	0.63	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Douglas Dynamics	</td>\n<td class=\"name\">	Douglas Dynamics	</td>\n<td class=\"ticker\">	PLOW	</td>\n<td class=\"ticker\">	Auto Parts &#038; Equipment	</td>\n<td class=\"ticker\">	Auto/Trk Prts&#038;Equip-Repl	</td>\n<td class=\"price\">	$18.97 	</td>\n<td class=\"price1\">	$18.97 	</td>\n<td class=\"rev\">	$382 	</td>\n<td class=\"mrktcap\">	$425 	</td>\n<td class=\"pricebook\">	2.24	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	10.1	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	4.70%	</td>\n<td class=\"leverage\">	2.76	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-9.50%	</td>\n<td class=\"3yrs\">	45.30%	</td>\n<td class=\"sps\">	29.60%	</td>\n<td class=\"1year\">	29.00%	</td>\n<td class=\"ROE\">	23.10%	</td>\n<td class=\"pricesales\">	1.11	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	EMC Insurance Group	</td>\n<td class=\"name\">	EMC Insurance Group	</td>\n<td class=\"ticker\">	EMCI	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$23.87 	</td>\n<td class=\"price1\">	$23.87 	</td>\n<td class=\"rev\">	$629 	</td>\n<td class=\"mrktcap\">	$495 	</td>\n<td class=\"pricebook\">	0.95	</td>\n<td class=\"pricetang\">	0.95	</td>\n<td class=\"pe\">	9.8	</td>\n<td class=\"fpe\">	13.2	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	2.99	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	10.60%	</td>\n<td class=\"3yrs\">	7.40%	</td>\n<td class=\"sps\">	4.80%	</td>\n<td class=\"1year\">	3.60%	</td>\n<td class=\"ROE\">	11.20%	</td>\n<td class=\"pricesales\">	0.78	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Employers Holdings	</td>\n<td class=\"name\">	Employers Holdings	</td>\n<td class=\"ticker\">	EIG	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$22.82 	</td>\n<td class=\"price1\">	$22.82 	</td>\n<td class=\"rev\">	$760 	</td>\n<td class=\"mrktcap\">	$732 	</td>\n<td class=\"pricebook\">	1.01	</td>\n<td class=\"pricetang\">	1.07	</td>\n<td class=\"pe\">	7.5	</td>\n<td class=\"fpe\">	11.8	</td>\n<td class=\"divyield\">	1.10%	</td>\n<td class=\"leverage\">	5.24	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	6.40%	</td>\n<td class=\"3yrs\">	36.90%	</td>\n<td class=\"sps\">	11.30%	</td>\n<td class=\"1year\">	0.70%	</td>\n<td class=\"ROE\">	14.00%	</td>\n<td class=\"pricesales\">	0.96	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Encore Capital Group	</td>\n<td class=\"name\">	Encore Capital Group	</td>\n<td class=\"ticker\">	ECPG	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Consumer Loans	</td>\n<td class=\"price\">	$19.88 	</td>\n<td class=\"price1\">	$19.88 	</td>\n<td class=\"rev\">	$1,140 	</td>\n<td class=\"mrktcap\">	$502 	</td>\n<td class=\"pricebook\">	0.81	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	7.1	</td>\n<td class=\"fpe\">	3.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	6.29	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-50.70%	</td>\n<td class=\"3yrs\">	1.60%	</td>\n<td class=\"sps\">	28.80%	</td>\n<td class=\"1year\">	10.20%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	0.45	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Encore Wire	</td>\n<td class=\"name\">	Encore Wire	</td>\n<td class=\"ticker\">	WIRE	</td>\n<td class=\"ticker\">	Electrical Components	</td>\n<td class=\"ticker\">	Wire&#038;Cable Products	</td>\n<td class=\"price\">	$33.78 	</td>\n<td class=\"price1\">	$33.78 	</td>\n<td class=\"rev\">	$1,052 	</td>\n<td class=\"mrktcap\">	$698 	</td>\n<td class=\"pricebook\">	1.32	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	16.8	</td>\n<td class=\"fpe\">	12.1	</td>\n<td class=\"divyield\">	0.20%	</td>\n<td class=\"leverage\">	1.15	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	3.90%	</td>\n<td class=\"3yrs\">	13.60%	</td>\n<td class=\"sps\">	2.10%	</td>\n<td class=\"1year\">	6.90%	</td>\n<td class=\"ROE\">	8.20%	</td>\n<td class=\"pricesales\">	0.67	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Ennis	</td>\n<td class=\"name\">	Ennis	</td>\n<td class=\"ticker\">	EBF	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Printing-Commercial	</td>\n<td class=\"price\">	$18.31 	</td>\n<td class=\"price1\">	$18.31 	</td>\n<td class=\"rev\">	$581 	</td>\n<td class=\"mrktcap\">	$473 	</td>\n<td class=\"pricebook\">	1.56	</td>\n<td class=\"pricetang\">	2.89	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	12	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	1.36	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	40.10%	</td>\n<td class=\"3yrs\">	24.20%	</td>\n<td class=\"sps\">	3.50%	</td>\n<td class=\"1year\">	-8.50%	</td>\n<td class=\"ROE\">	13.40%	</td>\n<td class=\"pricesales\">	0.81	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Ensign Group	</td>\n<td class=\"name\">	Ensign Group	</td>\n<td class=\"ticker\">	ENSG	</td>\n<td class=\"ticker\">	Health Care Services	</td>\n<td class=\"ticker\">	Medical-Nursing Homes	</td>\n<td class=\"price\">	$18.55 	</td>\n<td class=\"price1\">	$18.55 	</td>\n<td class=\"rev\">	$1,342 	</td>\n<td class=\"mrktcap\">	$941 	</td>\n<td class=\"pricebook\">	2.23	</td>\n<td class=\"pricetang\">	2.96	</td>\n<td class=\"pe\">	16.7	</td>\n<td class=\"fpe\">	12.5	</td>\n<td class=\"divyield\">	0.90%	</td>\n<td class=\"leverage\">	1.75	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-11.20%	</td>\n<td class=\"3yrs\">	5.30%	</td>\n<td class=\"sps\">	11.50%	</td>\n<td class=\"1year\">	51.40%	</td>\n<td class=\"ROE\">	16.20%	</td>\n<td class=\"pricesales\">	0.7	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Entercom Communications	</td>\n<td class=\"name\">	Entercom Communications	</td>\n<td class=\"ticker\">	ETM	</td>\n<td class=\"ticker\">	Media	</td>\n<td class=\"ticker\">	Radio	</td>\n<td class=\"price\">	$10.15 	</td>\n<td class=\"price1\">	$10.15 	</td>\n<td class=\"rev\">	$411 	</td>\n<td class=\"mrktcap\">	$403 	</td>\n<td class=\"pricebook\">	1.16	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	13.5	</td>\n<td class=\"fpe\">	10.4	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.75	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-12.50%	</td>\n<td class=\"3yrs\">	35.70%	</td>\n<td class=\"sps\">	0.70%	</td>\n<td class=\"1year\">	11.80%	</td>\n<td class=\"ROE\">	7.70%	</td>\n<td class=\"pricesales\">	0.94	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	FBL Financial Group	</td>\n<td class=\"name\">	FBL Financial Group	</td>\n<td class=\"ticker\">	FFG	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$56.10 	</td>\n<td class=\"price1\">	$56.10 	</td>\n<td class=\"rev\">	$723 	</td>\n<td class=\"mrktcap\">	$1,390 	</td>\n<td class=\"pricebook\">	1.3	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.3	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	2.90%	</td>\n<td class=\"leverage\">	7.81	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	2.70%	</td>\n<td class=\"3yrs\">	15.90%	</td>\n<td class=\"sps\">	6.60%	</td>\n<td class=\"1year\">	1.90%	</td>\n<td class=\"ROE\">	9.70%	</td>\n<td class=\"pricesales\">	1.93	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Fidelity Southern	</td>\n<td class=\"name\">	Fidelity Southern	</td>\n<td class=\"ticker\">	LION	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Southern US	</td>\n<td class=\"price\">	$14.05 	</td>\n<td class=\"price1\">	$14.05 	</td>\n<td class=\"rev\">	$245 	</td>\n<td class=\"mrktcap\">	$325 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.08	</td>\n<td class=\"pe\">	7.9	</td>\n<td class=\"fpe\">	8.7	</td>\n<td class=\"divyield\">	3.40%	</td>\n<td class=\"leverage\">	12.77	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.70%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	-3.20%	</td>\n<td class=\"1year\">	24.80%	</td>\n<td class=\"ROE\">	13.80%	</td>\n<td class=\"pricesales\">	1.27	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Flexsteel Industries	</td>\n<td class=\"name\">	Flexsteel Industries	</td>\n<td class=\"ticker\">	FLXS	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"price\">	$38.51 	</td>\n<td class=\"price1\">	$38.51 	</td>\n<td class=\"rev\">	$496 	</td>\n<td class=\"mrktcap\">	$293 	</td>\n<td class=\"pricebook\">	1.48	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.1	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.90%	</td>\n<td class=\"leverage\">	1.25	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	26.70%	</td>\n<td class=\"3yrs\">	17.60%	</td>\n<td class=\"sps\">	7.10%	</td>\n<td class=\"1year\">	4.70%	</td>\n<td class=\"ROE\">	12.80%	</td>\n<td class=\"pricesales\">	0.58	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	FreightCar America	</td>\n<td class=\"name\">	FreightCar America	</td>\n<td class=\"ticker\">	RAIL	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Miscellaneous Manufactur	</td>\n<td class=\"price\">	$18.76 	</td>\n<td class=\"price1\">	$18.76 	</td>\n<td class=\"rev\">	$782 	</td>\n<td class=\"mrktcap\">	$231 	</td>\n<td class=\"pricebook\">	1.04	</td>\n<td class=\"pricetang\">	1.16	</td>\n<td class=\"pe\">	9.2	</td>\n<td class=\"fpe\">	9.3	</td>\n<td class=\"divyield\">	1.90%	</td>\n<td class=\"leverage\">	1.93	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-27.20%	</td>\n<td class=\"3yrs\">	&#8211;	</td>\n<td class=\"sps\">	0.90%	</td>\n<td class=\"1year\">	12.40%	</td>\n<td class=\"ROE\">	11.70%	</td>\n<td class=\"pricesales\">	0.29	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Fresh Del Monte Produce	</td>\n<td class=\"name\">	Fresh Del Monte Produce	</td>\n<td class=\"ticker\">	FDP	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Wholesale/Distrib	</td>\n<td class=\"price\">	$39.80 	</td>\n<td class=\"price1\">	$39.80 	</td>\n<td class=\"rev\">	$4,008 	</td>\n<td class=\"mrktcap\">	$2,080 	</td>\n<td class=\"pricebook\">	1.17	</td>\n<td class=\"pricetang\">	1.43	</td>\n<td class=\"pe\">	15.6	</td>\n<td class=\"fpe\">	14.7	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	1.45	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	18.80%	</td>\n<td class=\"3yrs\">	3.50%	</td>\n<td class=\"sps\">	8.20%	</td>\n<td class=\"1year\">	1.20%	</td>\n<td class=\"ROE\">	7.40%	</td>\n<td class=\"pricesales\">	0.53	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	GAMCO Investors	</td>\n<td class=\"name\">	GAMCO Investors	</td>\n<td class=\"ticker\">	GBL	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Invest Mgmnt/Advis Serv	</td>\n<td class=\"price\">	$29.41 	</td>\n<td class=\"price1\">	$29.41 	</td>\n<td class=\"rev\">	$425 	</td>\n<td class=\"mrktcap\">	$877 	</td>\n<td class=\"pricebook\">	1.33	</td>\n<td class=\"pricetang\">	1.34	</td>\n<td class=\"pe\">	8	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.00%	</td>\n<td class=\"leverage\">	1.53	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-32.20%	</td>\n<td class=\"3yrs\">	6.10%	</td>\n<td class=\"sps\">	10.80%	</td>\n<td class=\"1year\">	-2.90%	</td>\n<td class=\"ROE\">	17.30%	</td>\n<td class=\"pricesales\">	1.74	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Greenbrier	</td>\n<td class=\"name\">	Greenbrier	</td>\n<td class=\"ticker\">	GBX	</td>\n<td class=\"ticker\">	Trucking &#038; Leasing	</td>\n<td class=\"ticker\">	Transport-Equip&#038;Leasng	</td>\n<td class=\"price\">	$26.10 	</td>\n<td class=\"price1\">	$26.10 	</td>\n<td class=\"rev\">	$2,913 	</td>\n<td class=\"mrktcap\">	$746 	</td>\n<td class=\"pricebook\">	0.97	</td>\n<td class=\"pricetang\">	1.14	</td>\n<td class=\"pe\">	3.3	</td>\n<td class=\"fpe\">	5.2	</td>\n<td class=\"divyield\">	3.10%	</td>\n<td class=\"leverage\">	2.07	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-53.70%	</td>\n<td class=\"3yrs\">	58.10%	</td>\n<td class=\"sps\">	14.60%	</td>\n<td class=\"1year\">	20.70%	</td>\n<td class=\"ROE\">	35.50%	</td>\n<td class=\"pricesales\">	0.26	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Heartland Financial USA	</td>\n<td class=\"name\">	Heartland Financial USA	</td>\n<td class=\"ticker\">	HTLF	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$27.91 	</td>\n<td class=\"price1\">	$27.91 	</td>\n<td class=\"rev\">	$377 	</td>\n<td class=\"mrktcap\">	$576 	</td>\n<td class=\"pricebook\">	1.08	</td>\n<td class=\"pricetang\">	1.47	</td>\n<td class=\"pe\">	9.7	</td>\n<td class=\"fpe\">	9.7	</td>\n<td class=\"divyield\">	1.40%	</td>\n<td class=\"leverage\">	11.6	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-3.70%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	0.30%	</td>\n<td class=\"1year\">	27.10%	</td>\n<td class=\"ROE\">	11.90%	</td>\n<td class=\"pricesales\">	1.54	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Hilltop Holdings	</td>\n<td class=\"name\">	Hilltop Holdings	</td>\n<td class=\"ticker\">	HTH	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Southern US	</td>\n<td class=\"price\">	$14.95 	</td>\n<td class=\"price1\">	$14.95 	</td>\n<td class=\"rev\">	$1,619 	</td>\n<td class=\"mrktcap\">	$1,478 	</td>\n<td class=\"pricebook\">	0.86	</td>\n<td class=\"pricetang\">	1.05	</td>\n<td class=\"pe\">	6.6	</td>\n<td class=\"fpe\">	8.5	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	7.22	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-22.10%	</td>\n<td class=\"3yrs\">	152.00%	</td>\n<td class=\"sps\">	78.70%	</td>\n<td class=\"1year\">	35.00%	</td>\n<td class=\"ROE\">	14.60%	</td>\n<td class=\"pricesales\">	0.9	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Hooker Furniture	</td>\n<td class=\"name\">	Hooker Furniture	</td>\n<td class=\"ticker\">	HOFT	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"ticker\">	Home Furnishings	</td>\n<td class=\"price\">	$27.22 	</td>\n<td class=\"price1\">	$27.22 	</td>\n<td class=\"rev\">	$251 	</td>\n<td class=\"mrktcap\">	$314 	</td>\n<td class=\"pricebook\">	1.93	</td>\n<td class=\"pricetang\">	1.95	</td>\n<td class=\"pe\">	18	</td>\n<td class=\"fpe\">	16.4	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.17	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	42.60%	</td>\n<td class=\"3yrs\">	42.70%	</td>\n<td class=\"sps\">	5.60%	</td>\n<td class=\"1year\">	7.70%	</td>\n<td class=\"ROE\">	11.20%	</td>\n<td class=\"pricesales\">	1.17	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Independence Holding	</td>\n<td class=\"name\">	Independence Holding	</td>\n<td class=\"ticker\">	IHC	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Life/Health Insurance	</td>\n<td class=\"price\">	$15.85 	</td>\n<td class=\"price1\">	$15.85 	</td>\n<td class=\"rev\">	$535 	</td>\n<td class=\"mrktcap\">	$274 	</td>\n<td class=\"pricebook\">	0.87	</td>\n<td class=\"pricetang\">	1.12	</td>\n<td class=\"pe\">	9.5	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	3.7	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	29.00%	</td>\n<td class=\"3yrs\">	27.60%	</td>\n<td class=\"sps\">	10.60%	</td>\n<td class=\"1year\">	2.00%	</td>\n<td class=\"ROE\">	9.70%	</td>\n<td class=\"pricesales\">	0.51	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Infinity Property &#038; Casualty	</td>\n<td class=\"name\">	Infinity Property &#038; Casualty	</td>\n<td class=\"ticker\">	IPCC	</td>\n<td class=\"ticker\">	Insurance	</td>\n<td class=\"ticker\">	Property/Casualty Ins	</td>\n<td class=\"price\">	$77.23 	</td>\n<td class=\"price1\">	$77.23 	</td>\n<td class=\"rev\">	$1,480 	</td>\n<td class=\"mrktcap\">	$869 	</td>\n<td class=\"pricebook\">	1.25	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	14.2	</td>\n<td class=\"fpe\">	15.2	</td>\n<td class=\"divyield\">	2.20%	</td>\n<td class=\"leverage\">	3.52	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	7.90%	</td>\n<td class=\"3yrs\">	22.80%	</td>\n<td class=\"sps\">	8.30%	</td>\n<td class=\"1year\">	1.50%	</td>\n<td class=\"ROE\">	9.00%	</td>\n<td class=\"pricesales\">	0.59	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	InnerWorkings	</td>\n<td class=\"name\">	InnerWorkings	</td>\n<td class=\"ticker\">	INWK	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Transactional Software	</td>\n<td class=\"price\">	$6.42 	</td>\n<td class=\"price1\">	$6.42 	</td>\n<td class=\"rev\">	$1,006 	</td>\n<td class=\"mrktcap\">	$346 	</td>\n<td class=\"pricebook\">	1.14	</td>\n<td class=\"pricetang\">	24.82	</td>\n<td class=\"pe\">	7.6	</td>\n<td class=\"fpe\">	18.8	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.22	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	15.70%	</td>\n<td class=\"3yrs\">	29.70%	</td>\n<td class=\"sps\">	6.10%	</td>\n<td class=\"1year\">	0.20%	</td>\n<td class=\"ROE\">	16.10%	</td>\n<td class=\"pricesales\">	0.34	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Innospec	</td>\n<td class=\"name\">	Innospec	</td>\n<td class=\"ticker\">	IOSP	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Diversified	</td>\n<td class=\"price\">	$47.57 	</td>\n<td class=\"price1\">	$47.57 	</td>\n<td class=\"rev\">	$1,057 	</td>\n<td class=\"mrktcap\">	$1,146 	</td>\n<td class=\"pricebook\">	1.95	</td>\n<td class=\"pricetang\">	7.80	</td>\n<td class=\"pe\">	9.9	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	1.73	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	14.50%	</td>\n<td class=\"3yrs\">	13.70%	</td>\n<td class=\"sps\">	9.80%	</td>\n<td class=\"1year\">	31.30%	</td>\n<td class=\"ROE\">	22.20%	</td>\n<td class=\"pricesales\">	1.09	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Interface	</td>\n<td class=\"name\">	Interface	</td>\n<td class=\"ticker\">	TILE	</td>\n<td class=\"ticker\">	Office Furnishings	</td>\n<td class=\"ticker\">	Office Furnishings-Orig	</td>\n<td class=\"price\">	$15.53 	</td>\n<td class=\"price1\">	$15.53 	</td>\n<td class=\"rev\">	$1,027 	</td>\n<td class=\"mrktcap\">	$1,023 	</td>\n<td class=\"pricebook\">	3.13	</td>\n<td class=\"pricetang\">	3.91	</td>\n<td class=\"pe\">	16.3	</td>\n<td class=\"fpe\">	11.4	</td>\n<td class=\"divyield\">	1.30%	</td>\n<td class=\"leverage\">	2.29	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.30%	</td>\n<td class=\"3yrs\">	187.40%	</td>\n<td class=\"sps\">	3.00%	</td>\n<td class=\"1year\">	-7.30%	</td>\n<td class=\"ROE\">	18.60%	</td>\n<td class=\"pricesales\">	1	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	International Bancshares	</td>\n<td class=\"name\">	International Bancshares	</td>\n<td class=\"ticker\">	IBOC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$21.40 	</td>\n<td class=\"price1\">	$21.40 	</td>\n<td class=\"rev\">	$560 	</td>\n<td class=\"mrktcap\">	$1,420 	</td>\n<td class=\"pricebook\">	0.86	</td>\n<td class=\"pricetang\">	1.03	</td>\n<td class=\"pe\">	10.1	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	2.70%	</td>\n<td class=\"leverage\">	7.27	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-9.30%	</td>\n<td class=\"3yrs\">	12.80%	</td>\n<td class=\"sps\">	-1.60%	</td>\n<td class=\"1year\">	-0.20%	</td>\n<td class=\"ROE\">	8.80%	</td>\n<td class=\"pricesales\">	2.54	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	International Speedway	</td>\n<td class=\"name\">	International Speedway	</td>\n<td class=\"ticker\">	ISCA	</td>\n<td class=\"ticker\">	Entertainment	</td>\n<td class=\"ticker\">	Racetracks	</td>\n<td class=\"price\">	$31.99 	</td>\n<td class=\"price1\">	$31.99 	</td>\n<td class=\"rev\">	$645 	</td>\n<td class=\"mrktcap\">	$1,502 	</td>\n<td class=\"pricebook\">	1.06	</td>\n<td class=\"pricetang\">	1.35	</td>\n<td class=\"pe\">	26.2	</td>\n<td class=\"fpe\">	20.1	</td>\n<td class=\"divyield\">	0.80%	</td>\n<td class=\"leverage\">	1.52	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	3.70%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	1.60%	</td>\n<td class=\"1year\">	2.10%	</td>\n<td class=\"ROE\">	4.10%	</td>\n<td class=\"pricesales\">	2.31	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Interval Leisure Group	</td>\n<td class=\"name\">	Interval Leisure Group	</td>\n<td class=\"ticker\">	IILG	</td>\n<td class=\"ticker\">	Lodging	</td>\n<td class=\"ticker\">	Hotels&#038;Motels	</td>\n<td class=\"price\">	$11.05 	</td>\n<td class=\"price1\">	$11.05 	</td>\n<td class=\"rev\">	$699 	</td>\n<td class=\"mrktcap\">	$635 	</td>\n<td class=\"pricebook\">	1.49	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	8.3	</td>\n<td class=\"fpe\">	8.5	</td>\n<td class=\"divyield\">	4.30%	</td>\n<td class=\"leverage\">	2.83	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-54.00%	</td>\n<td class=\"3yrs\">	29.70%	</td>\n<td class=\"sps\">	14.20%	</td>\n<td class=\"1year\">	24.20%	</td>\n<td class=\"ROE\">	19.00%	</td>\n<td class=\"pricesales\">	0.91	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	INTL. FCStone	</td>\n<td class=\"name\">	INTL. FCStone	</td>\n<td class=\"ticker\">	INTL	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$24.87 	</td>\n<td class=\"price1\">	$24.87 	</td>\n<td class=\"rev\">	$638 	</td>\n<td class=\"mrktcap\">	$474 	</td>\n<td class=\"pricebook\">	1.18	</td>\n<td class=\"pricetang\">	1.38	</td>\n<td class=\"pe\">	8.5	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	12.77	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	19.70%	</td>\n<td class=\"3yrs\">	24.40%	</td>\n<td class=\"sps\">	8.80%	</td>\n<td class=\"1year\">	66.80%	</td>\n<td class=\"ROE\">	14.70%	</td>\n<td class=\"pricesales\">	0.73	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Investment Technology Group	</td>\n<td class=\"name\">	Investment Technology Group	</td>\n<td class=\"ticker\">	ITG	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Invest Bnkr/Brkr	</td>\n<td class=\"price\">	$17.30 	</td>\n<td class=\"price1\">	$17.30 	</td>\n<td class=\"rev\">	$635 	</td>\n<td class=\"mrktcap\">	$581 	</td>\n<td class=\"pricebook\">	1.26	</td>\n<td class=\"pricetang\">	1.37	</td>\n<td class=\"pe\">	6.3	</td>\n<td class=\"fpe\">	20.8	</td>\n<td class=\"divyield\">	1.60%	</td>\n<td class=\"leverage\">	3.76	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-20.20%	</td>\n<td class=\"3yrs\">	34.40%	</td>\n<td class=\"sps\">	12.60%	</td>\n<td class=\"1year\">	26.50%	</td>\n<td class=\"ROE\">	21.00%	</td>\n<td class=\"pricesales\">	0.92	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	IXYS	</td>\n<td class=\"name\">	IXYS	</td>\n<td class=\"ticker\">	IXYS	</td>\n<td class=\"ticker\">	Semiconductors	</td>\n<td class=\"ticker\">	Electronic Compo-Semicon	</td>\n<td class=\"price\">	$10.69 	</td>\n<td class=\"price1\">	$10.69 	</td>\n<td class=\"rev\">	$320 	</td>\n<td class=\"mrktcap\">	$337 	</td>\n<td class=\"pricebook\">	1.24	</td>\n<td class=\"pricetang\">	1.52	</td>\n<td class=\"pe\">	21	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.54	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-9.90%	</td>\n<td class=\"3yrs\">	5.90%	</td>\n<td class=\"sps\">	1.80%	</td>\n<td class=\"1year\">	12.20%	</td>\n<td class=\"ROE\">	6.00%	</td>\n<td class=\"pricesales\">	1.06	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	J&#038;J Snack Foods	</td>\n<td class=\"name\">	J&#038;J Snack Foods	</td>\n<td class=\"ticker\">	JJSF	</td>\n<td class=\"ticker\">	Food	</td>\n<td class=\"ticker\">	Food-Misc/Diversified	</td>\n<td class=\"price\">	$105.94 	</td>\n<td class=\"price1\">	$105.94 	</td>\n<td class=\"rev\">	$986 	</td>\n<td class=\"mrktcap\">	$1,980 	</td>\n<td class=\"pricebook\">	3.29	</td>\n<td class=\"pricetang\">	4.20	</td>\n<td class=\"pe\">	27.7	</td>\n<td class=\"fpe\">	25.5	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.23	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.90%	</td>\n<td class=\"3yrs\">	7.00%	</td>\n<td class=\"sps\">	5.40%	</td>\n<td class=\"1year\">	5.50%	</td>\n<td class=\"ROE\">	12.30%	</td>\n<td class=\"pricesales\">	2.01	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Kadant	</td>\n<td class=\"name\">	Kadant	</td>\n<td class=\"ticker\">	KAI	</td>\n<td class=\"ticker\">	Diversified Machinery	</td>\n<td class=\"ticker\">	Machinery-General Indust	</td>\n<td class=\"price\">	$37.88 	</td>\n<td class=\"price1\">	$37.88 	</td>\n<td class=\"rev\">	$388 	</td>\n<td class=\"mrktcap\">	$408 	</td>\n<td class=\"pricebook\">	1.56	</td>\n<td class=\"pricetang\">	4.06	</td>\n<td class=\"pe\">	12.5	</td>\n<td class=\"fpe\">	11.4	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.61	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-7.20%	</td>\n<td class=\"3yrs\">	1.10%	</td>\n<td class=\"sps\">	5.50%	</td>\n<td class=\"1year\">	1.10%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	1.06	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Kaman	</td>\n<td class=\"name\">	Kaman	</td>\n<td class=\"ticker\">	KAMN	</td>\n<td class=\"ticker\">	Aerospace/Defence	</td>\n<td class=\"ticker\">	Aerospace/Defense-Equip	</td>\n<td class=\"price\">	$41.47 	</td>\n<td class=\"price1\">	$41.47 	</td>\n<td class=\"rev\">	$1,801 	</td>\n<td class=\"mrktcap\">	$1,123 	</td>\n<td class=\"pricebook\">	2.02	</td>\n<td class=\"pricetang\">	5.10	</td>\n<td class=\"pe\">	16.9	</td>\n<td class=\"fpe\">	14.9	</td>\n<td class=\"divyield\">	1.70%	</td>\n<td class=\"leverage\">	2.2	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	7.40%	</td>\n<td class=\"3yrs\">	8.40%	</td>\n<td class=\"sps\">	3.60%	</td>\n<td class=\"1year\">	-0.20%	</td>\n<td class=\"ROE\">	12.10%	</td>\n<td class=\"pricesales\">	0.63	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	KapStone Paper and Packaging	</td>\n<td class=\"name\">	KapStone Paper and Packaging	</td>\n<td class=\"ticker\">	KS	</td>\n<td class=\"ticker\">	Packaging &#038; Containers	</td>\n<td class=\"ticker\">	Containers-Paper/Plastic	</td>\n<td class=\"price\">	$9.43 	</td>\n<td class=\"price1\">	$9.43 	</td>\n<td class=\"rev\">	$2,789 	</td>\n<td class=\"mrktcap\">	$908 	</td>\n<td class=\"pricebook\">	1.07	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	8.5	</td>\n<td class=\"fpe\">	7.1	</td>\n<td class=\"divyield\">	4.20%	</td>\n<td class=\"leverage\">	3.81	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-69.20%	</td>\n<td class=\"3yrs\">	18.60%	</td>\n<td class=\"sps\">	30.50%	</td>\n<td class=\"1year\">	26.00%	</td>\n<td class=\"ROE\">	13.10%	</td>\n<td class=\"pricesales\">	0.33	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	KMG Chemicals	</td>\n<td class=\"name\">	KMG Chemicals	</td>\n<td class=\"ticker\">	KMG	</td>\n<td class=\"ticker\">	Chemicals	</td>\n<td class=\"ticker\">	Chemicals-Specialty	</td>\n<td class=\"price\">	$20.27 	</td>\n<td class=\"price1\">	$20.27 	</td>\n<td class=\"rev\">	$306 	</td>\n<td class=\"mrktcap\">	$237 	</td>\n<td class=\"pricebook\">	1.85	</td>\n<td class=\"pricetang\">	3.40	</td>\n<td class=\"pe\">	15.4	</td>\n<td class=\"fpe\">	12.6	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	1.87	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.20%	</td>\n<td class=\"3yrs\">	1.30%	</td>\n<td class=\"sps\">	3.90%	</td>\n<td class=\"1year\">	-3.40%	</td>\n<td class=\"ROE\">	12.70%	</td>\n<td class=\"pricesales\">	0.77	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Korn/Ferry International	</td>\n<td class=\"name\">	Korn/Ferry International	</td>\n<td class=\"ticker\">	KFY	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Human Resources	</td>\n<td class=\"price\">	$26.76 	</td>\n<td class=\"price1\">	$26.76 	</td>\n<td class=\"rev\">	$1,112 	</td>\n<td class=\"mrktcap\">	$1,372 	</td>\n<td class=\"pricebook\">	1.63	</td>\n<td class=\"pricetang\">	2.52	</td>\n<td class=\"pe\">	14.9	</td>\n<td class=\"fpe\">	11.2	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	1.52	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.80%	</td>\n<td class=\"3yrs\">	33.00%	</td>\n<td class=\"sps\">	9.40%	</td>\n<td class=\"1year\">	5.30%	</td>\n<td class=\"ROE\">	11.00%	</td>\n<td class=\"pricesales\">	1.19	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	LegacyTexas Financial	</td>\n<td class=\"name\">	LegacyTexas Financial	</td>\n<td class=\"ticker\">	LTXB	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Central US	</td>\n<td class=\"price\">	$17.01 	</td>\n<td class=\"price1\">	$17.01 	</td>\n<td class=\"rev\">	$306 	</td>\n<td class=\"mrktcap\">	$810 	</td>\n<td class=\"pricebook\">	1.01	</td>\n<td class=\"pricetang\">	1.30	</td>\n<td class=\"pe\">	11	</td>\n<td class=\"fpe\">	9.6	</td>\n<td class=\"divyield\">	3.30%	</td>\n<td class=\"leverage\">	9.57	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-23.20%	</td>\n<td class=\"3yrs\">	16.70%	</td>\n<td class=\"sps\">	12.70%	</td>\n<td class=\"1year\">	84.70%	</td>\n<td class=\"ROE\">	10.30%	</td>\n<td class=\"pricesales\">	2.54	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Lydall	</td>\n<td class=\"name\">	Lydall	</td>\n<td class=\"ticker\">	LDL	</td>\n<td class=\"ticker\">	Miscellaneous Manufacturer	</td>\n<td class=\"ticker\">	Diversified Manufact Op	</td>\n<td class=\"price\">	$26.54 	</td>\n<td class=\"price1\">	$26.54 	</td>\n<td class=\"rev\">	$521 	</td>\n<td class=\"mrktcap\">	$452 	</td>\n<td class=\"pricebook\">	1.87	</td>\n<td class=\"pricetang\">	2.07	</td>\n<td class=\"pe\">	9.5	</td>\n<td class=\"fpe\">	11.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	1.58	</td>\n<td class=\"valgrade\">	C	</td>\n<td class=\"valgrade1\">	C	</td>\n<td class=\"return\">	-6.00%	</td>\n<td class=\"3yrs\">	40.10%	</td>\n<td class=\"sps\">	11.30%	</td>\n<td class=\"1year\">	2.10%	</td>\n<td class=\"ROE\">	20.50%	</td>\n<td class=\"pricesales\">	0.85	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Meritage Homes	</td>\n<td class=\"name\">	Meritage Homes	</td>\n<td class=\"ticker\">	MTH	</td>\n<td class=\"ticker\">	Home Builders	</td>\n<td class=\"ticker\">	Bldg-Residential/Commer	</td>\n<td class=\"price\">	$28.48 	</td>\n<td class=\"price1\">	$28.48 	</td>\n<td class=\"rev\">	$2,593 	</td>\n<td class=\"mrktcap\">	$1,130 	</td>\n<td class=\"pricebook\">	0.9	</td>\n<td class=\"pricetang\">	0.90	</td>\n<td class=\"pe\">	8.8	</td>\n<td class=\"fpe\">	7.7	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	2.14	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-29.30%	</td>\n<td class=\"3yrs\">	3.20%	</td>\n<td class=\"sps\">	23.40%	</td>\n<td class=\"1year\">	16.20%	</td>\n<td class=\"ROE\">	10.90%	</td>\n<td class=\"pricesales\">	0.44	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Miller Industries	</td>\n<td class=\"name\">	Miller Industries	</td>\n<td class=\"ticker\">	MLR	</td>\n<td class=\"ticker\">	Auto Parts &#038; Equipment	</td>\n<td class=\"ticker\">	Auto/Trk Prts&#038;Equip-Orig	</td>\n<td class=\"price\">	$19.95 	</td>\n<td class=\"price1\">	$19.95 	</td>\n<td class=\"rev\">	$552 	</td>\n<td class=\"mrktcap\">	$226 	</td>\n<td class=\"pricebook\">	1.31	</td>\n<td class=\"pricetang\">	1.40	</td>\n<td class=\"pe\">	12.7	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	3.20%	</td>\n<td class=\"leverage\">	1.58	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-2.80%	</td>\n<td class=\"3yrs\">	12.30%	</td>\n<td class=\"sps\">	13.50%	</td>\n<td class=\"1year\">	9.20%	</td>\n<td class=\"ROE\">	10.50%	</td>\n<td class=\"pricesales\">	0.41	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	MKS Instruments	</td>\n<td class=\"name\">	MKS Instruments	</td>\n<td class=\"ticker\">	MKSI	</td>\n<td class=\"ticker\">	Semiconductors	</td>\n<td class=\"ticker\">	Semiconductor Equipment	</td>\n<td class=\"price\">	$32.08 	</td>\n<td class=\"price1\">	$32.08 	</td>\n<td class=\"rev\">	$814 	</td>\n<td class=\"mrktcap\">	$1,708 	</td>\n<td class=\"pricebook\">	1.47	</td>\n<td class=\"pricetang\">	1.86	</td>\n<td class=\"pe\">	14	</td>\n<td class=\"fpe\">	14.8	</td>\n<td class=\"divyield\">	2.10%	</td>\n<td class=\"leverage\">	1.1	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-8.30%	</td>\n<td class=\"3yrs\">	36.00%	</td>\n<td class=\"sps\">	7.70%	</td>\n<td class=\"1year\">	4.00%	</td>\n<td class=\"ROE\">	10.90%	</td>\n<td class=\"pricesales\">	2.1	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Movado Group	</td>\n<td class=\"name\">	Movado Group	</td>\n<td class=\"ticker\">	MOV	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Jewelry	</td>\n<td class=\"price\">	$24.16 	</td>\n<td class=\"price1\">	$24.16 	</td>\n<td class=\"rev\">	$586 	</td>\n<td class=\"mrktcap\">	$556 	</td>\n<td class=\"pricebook\">	1.24	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	12.1	</td>\n<td class=\"fpe\">	10.8	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.35	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-2.80%	</td>\n<td class=\"3yrs\">	&#8211;	</td>\n<td class=\"sps\">	6.90%	</td>\n<td class=\"1year\">	1.90%	</td>\n<td class=\"ROE\">	10.20%	</td>\n<td class=\"pricesales\">	0.99	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	National Penn Bancshares	</td>\n<td class=\"name\">	National Penn Bancshares	</td>\n<td class=\"ticker\">	NPBC	</td>\n<td class=\"ticker\">	Banks	</td>\n<td class=\"ticker\">	Commer Banks-Eastern US	</td>\n<td class=\"price\">	$10.69 	</td>\n<td class=\"price1\">	$10.69 	</td>\n<td class=\"rev\">	$400 	</td>\n<td class=\"mrktcap\">	$1,500 	</td>\n<td class=\"pricebook\">	1.29	</td>\n<td class=\"pricetang\">	1.76	</td>\n<td class=\"pe\">	13.5	</td>\n<td class=\"fpe\">	13.2	</td>\n<td class=\"divyield\">	4.10%	</td>\n<td class=\"leverage\">	8.26	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	6.20%	</td>\n<td class=\"3yrs\">	6.20%	</td>\n<td class=\"sps\">	1.10%	</td>\n<td class=\"1year\">	-1.60%	</td>\n<td class=\"ROE\">	9.40%	</td>\n<td class=\"pricesales\">	3.77	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Navigant Consulting	</td>\n<td class=\"name\">	Navigant Consulting	</td>\n<td class=\"ticker\">	NCI	</td>\n<td class=\"ticker\">	Commercial Services	</td>\n<td class=\"ticker\">	Consulting Services	</td>\n<td class=\"price\">	$14.83 	</td>\n<td class=\"price1\">	$14.83 	</td>\n<td class=\"rev\">	$919 	</td>\n<td class=\"mrktcap\">	$706 	</td>\n<td class=\"pricebook\">	1.19	</td>\n<td class=\"pricetang\">	&#8211;	</td>\n<td class=\"pe\">	11.8	</td>\n<td class=\"fpe\">	13.3	</td>\n<td class=\"divyield\">	0.00%	</td>\n<td class=\"leverage\">	1.71	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-1.30%	</td>\n<td class=\"3yrs\">	11.50%	</td>\n<td class=\"sps\">	5.20%	</td>\n<td class=\"1year\">	12.40%	</td>\n<td class=\"ROE\">	10.60%	</td>\n<td class=\"pricesales\">	0.77	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Nelnet	</td>\n<td class=\"name\">	Nelnet	</td>\n<td class=\"ticker\">	NNI	</td>\n<td class=\"ticker\">	Diversified Financial Services	</td>\n<td class=\"ticker\">	Finance-Consumer Loans	</td>\n<td class=\"price\">	$32.95 	</td>\n<td class=\"price1\">	$32.95 	</td>\n<td class=\"rev\">	$1,165 	</td>\n<td class=\"mrktcap\">	$1,478 	</td>\n<td class=\"pricebook\">	0.81	</td>\n<td class=\"pricetang\">	0.88	</td>\n<td class=\"pe\">	5.9	</td>\n<td class=\"fpe\">	6.2	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	16.91	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-28.40%	</td>\n<td class=\"3yrs\">	12.70%	</td>\n<td class=\"sps\">	5.90%	</td>\n<td class=\"1year\">	1.10%	</td>\n<td class=\"ROE\">	14.80%	</td>\n<td class=\"pricesales\">	1.3	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	PC Connection	</td>\n<td class=\"name\">	PC Connection	</td>\n<td class=\"ticker\">	PCCC	</td>\n<td class=\"ticker\">	Retail	</td>\n<td class=\"ticker\">	Retail-Computer Equip	</td>\n<td class=\"price\">	$22.52 	</td>\n<td class=\"price1\">	$22.52 	</td>\n<td class=\"rev\">	$2,574 	</td>\n<td class=\"mrktcap\">	$596 	</td>\n<td class=\"pricebook\">	1.52	</td>\n<td class=\"pricetang\">	1.76	</td>\n<td class=\"pe\">	12.7	</td>\n<td class=\"fpe\">	11.9	</td>\n<td class=\"divyield\">	1.80%	</td>\n<td class=\"leverage\">	1.63	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-4.20%	</td>\n<td class=\"3yrs\">	12.30%	</td>\n<td class=\"sps\">	6.10%	</td>\n<td class=\"1year\">	18.40%	</td>\n<td class=\"ROE\">	12.50%	</td>\n<td class=\"pricesales\">	0.23	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	PDL BioPharma	</td>\n<td class=\"name\">	PDL BioPharma	</td>\n<td class=\"ticker\">	PDLI	</td>\n<td class=\"ticker\">	Biotechnology	</td>\n<td class=\"ticker\">	Medical-Biomedical/Gene	</td>\n<td class=\"price\">	$2.88 	</td>\n<td class=\"price1\">	$2.88 	</td>\n<td class=\"rev\">	$529 	</td>\n<td class=\"mrktcap\">	$471 	</td>\n<td class=\"pricebook\">	0.79	</td>\n<td class=\"pricetang\">	2.23	</td>\n<td class=\"pe\">	1.6	</td>\n<td class=\"fpe\">	4.6	</td>\n<td class=\"divyield\">	6.90%	</td>\n<td class=\"leverage\">	1.71	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-55.50%	</td>\n<td class=\"3yrs\">	6.70%	</td>\n<td class=\"sps\">	7.90%	</td>\n<td class=\"1year\">	4.20%	</td>\n<td class=\"ROE\">	57.60%	</td>\n<td class=\"pricesales\">	0.89	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	Pegasystems	</td>\n<td class=\"name\">	Pegasystems	</td>\n<td class=\"ticker\">	PEGA	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Data Processing/Mgmt	</td>\n<td class=\"price\">	$20.73 	</td>\n<td class=\"price1\">	$20.73 	</td>\n<td class=\"rev\">	$647 	</td>\n<td class=\"mrktcap\">	$1,584 	</td>\n<td class=\"pricebook\">	5.2	</td>\n<td class=\"pricetang\">	7.15	</td>\n<td class=\"pe\">	44.1	</td>\n<td class=\"fpe\">	23.4	</td>\n<td class=\"divyield\">	0.60%	</td>\n<td class=\"leverage\">	1.91	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	1.90%	</td>\n<td class=\"3yrs\">	357.90%	</td>\n<td class=\"sps\">	13.90%	</td>\n<td class=\"1year\">	6.30%	</td>\n<td class=\"ROE\">	12.20%	</td>\n<td class=\"pricesales\">	2.45	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	PH Glatfelter	</td>\n<td class=\"name\">	PH Glatfelter	</td>\n<td class=\"ticker\">	GLT	</td>\n<td class=\"ticker\">	Forest Products &#038; Paper	</td>\n<td class=\"ticker\">	Paper&#038;Related Products	</td>\n<td class=\"price\">	$16.68 	</td>\n<td class=\"price1\">	$16.68 	</td>\n<td class=\"rev\">	$1,667 	</td>\n<td class=\"mrktcap\">	$724 	</td>\n<td class=\"pricebook\">	1.12	</td>\n<td class=\"pricetang\">	1.44	</td>\n<td class=\"pe\">	11.2	</td>\n<td class=\"fpe\">	10.6	</td>\n<td class=\"divyield\">	2.90%	</td>\n<td class=\"leverage\">	2.38	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	-29.50%	</td>\n<td class=\"3yrs\">	2.60%	</td>\n<td class=\"sps\">	1.30%	</td>\n<td class=\"1year\">	-3.70%	</td>\n<td class=\"ROE\">	7.50%	</td>\n<td class=\"pricesales\">	0.43	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"growthgrade\">	C	</td>\n<td class=\"top\">		</td>\n<td class=\"top1\">		</td>\n</tr>\n<tr>\n<td class=\"name\">	Provident Financial Services	</td>\n<td class=\"name\">	Provident Financial Services	</td>\n<td class=\"ticker\">	PFS	</td>\n<td class=\"ticker\">	Savings &#038; Loans	</td>\n<td class=\"ticker\">	S&#038;L/Thrifts-Eastern US	</td>\n<td class=\"price\">	$18.00 	</td>\n<td class=\"price1\">	$18.00 	</td>\n<td class=\"rev\">	$342 	</td>\n<td class=\"mrktcap\">	$1,184 	</td>\n<td class=\"pricebook\">	0.99	</td>\n<td class=\"pricetang\">	1.56	</td>\n<td class=\"pe\">	13.4	</td>\n<td class=\"fpe\">	12.7	</td>\n<td class=\"divyield\">	3.80%	</td>\n<td class=\"leverage\">	7.48	</td>\n<td class=\"valgrade\">	A	</td>\n<td class=\"valgrade1\">	A	</td>\n<td class=\"return\">	2.20%	</td>\n<td class=\"3yrs\">	4.60%	</td>\n<td class=\"sps\">	0.60%	</td>\n<td class=\"1year\">	5.20%	</td>\n<td class=\"ROE\">	7.20%	</td>\n<td class=\"pricesales\">	3.3	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"growthgrade\">	B	</td>\n<td class=\"top\">	★	</td>\n<td class=\"top1\">	★	</td>\n</tr>\n<tr>\n<td class=\"name\">	QAD	</td>\n<td class=\"name\">	QAD	</td>\n<td class=\"ticker\">	QADB	</td>\n<td class=\"ticker\">	Software	</td>\n<td class=\"ticker\">	Decision Support Softwar	</td>\n<td class=\"price\">	$15.85 	</td>\n<td class=\"price1\">	$15.85 	</td>\n<td class=\"rev\">	$288 	</td>\n<td class=\"mrktcap\">	$322 	</td>\n<td class=\"pricebook\">	2.4	</td>\n<td class=\"pricetang\">	2.73	</td>\n<td class=\"pe\">	23	</td>\n<td class=\"fpe\">	&#8211;	</td>\n<td class=\"divyield\">	1.50%	</td>\n<td class=\"leverage\">	2	</td>\n<td class=\"valgrade\">	B	</td>\n<td class=\"valgrade1\">	B	</td>\n<td class=\"return\">	-10.10%	</td>\n<td class=\"3yrs\">	13.40%	</td>\n<td class=\"sps\">	2.30%	</td>\n<td class=\"1year\">	22.40%	</td>\n<td class=\"ROE\">	12.20%	</td>\n<td class=\"pricesales\">	0.96	</td>\n<td class=\"growthgrade\">	A	</td>\n<td class=