Past Newsletters Click Now to Access	Past Topics (Most topics are not specific to the time period when written)
April 7, 2013	The Joy of Owning Companies	The American Housing and Credit markets improve	The Canadian Economy and the Canada Pension Plan
February 18, 2013	Stock Traders Versus Investors	The Magic of our Organized Economic Systems	Leadership versus Systems
December 29, 2012	Your Million Dollar Strategy	Has anyone made money in stocks since the year 2000?	Stocks Versus Bonds over the years
November 17, 2012	Theoretical Returns from investing	Actual Returns from investing in the S&P 500 and corporate bonds	NHL Hockey as a business
Sept 9, 2012	Watching the markets too closely is counter productive?	A Rational Approach to Investing	Competitive Advantage and High ROEs
July 1, 2012	How Warren Buffett motivates his managers	Manipulated Markets? (Threat or opportunity?)	Dollar Laws
April 6, 2012	Imagine. You. Rich.	The simple (but not easy) formula to get rich by investing	Warren Buffett super saver and investor
March 18, 2012	Is it Too Late to Invest?	Should companies Buy or Rent their space needs?	How much Money goes "into" the market?
February 18, 2012	The Magic of Compound Returns	The definition of Investing	People everywhere want the same thing - to consume!
January 14, 2012	Wisdom of Warren Buffett (the irrationality of buying bonds at low interest rates and other topics)	Borrow to Invest?
December 27, 2011	How we beat the market again in 2011	Why can't Canadians lock in their mortgage rates for 25 years?	Canadian house prices likely to fall
October 9, 2011	Fears, Fears and more Fears	A World of Stocks on Sale?	Global Exchange Traded Funds for You
Sept. 3, 2011	Time to Invest in Stocks?	Borrow to Invest?	Review of Basics
June 12, 2011	Sino-Forest	Risk of Stocks	Exchange Traded Funds
March 5, 2011	Getting Started Investing	Graduating from Mutual Funds to Stocks	RRSPs, RESPs and Tax Free Savings Accounts Explained
January 8, 2011	What return can you expect your stock portfolio to provide?	Mental Models - how to quickly accept or reject economic claims	Could Buying Local lead to a new Stone Age
December 14, 2010	Is The End Nigh?	Death of the U.S. dollar?	Does Gold Track Inflation?
November 7, 2010	Past Stock Prices don't matter	Warren Buffett and Investment Education	Editorial - public washrooms not private enough?
October 10, 2010	How to Invest Intelligently in businesses through stocks	CMHC - bankruptcy candidate?	The High Cost of Free
September 11, 2010	Invest in Long-term bonds or Stocks?	Dow Jones Industrial Average Valuation	United States Dollar to implode?
August 1, 2010	Good is the Enemy of Great	What return can you expect from your stocks?	Remember, there's a company under that stock
June 29, 2010	The Upside of Down	Warren Buffett's letters to shareholders
May 29, 2010	Invest based on corporate earnings not on  Squiggles on a Chart	A World in debt?
May 2, 2010	Your RRSP - It's Much Smaller than you Thought	The Canadian   Economy	In Praise of Buying from Big Retailers
March 21, 2010	Beware Mis-leading cash Dividend yields	High Canadian dollar emergency	Is U.S. stock market over-valued
February 14, 2010	Slay the Retirement Savings Monster	The down-side of tax deferred savings plans	How to Make Money in Stocks
December 8, 2009	Editor's Investment Performance	Financial Independence	When Your Money Makes More Than You Do
November 29, 2009	Market Direction is unknown	Canadian Mortgage Delinquencies	The burden of jumbo mortgages
September 6, 2009	Banking and Risk	Businesses and Charity	How I Saved $8000 with a phone call.
August 9, 2009	Best of times? or Worst of Times?	Stock Market Valuation	Warren Buffett and the recession
July 26, 2009	Compound Returns	Performance	An Investment Fund
July 11, 2009	The Joy of Wealth	When Opportunity Knocks...	Aging Population Data
June 20, 2009	A Quadrupled RRSP	Dividend Reinvestment Plans	Free Report
April 25, 2009	It Costs a lot of Money to be Poor!	House Wealth has Vaporized?	Borrow to Invest?
April 3, 2009	How Investors Bought High and Sold Low	How to Get Help Selecting Stocks	The Canadian Economy
March 1, 2009	Warren Buffett's 2008 letter	Is Buy and Hold Dead?	Stocks versus Bonds
January 25, 2008	Stocks versus Government Bonds	Budget Wish List	Housing Prices
November 8, 2008	Should You Invest Now?	Stock Earnings Versus GDP	S&P 500 Historic P/E Ratios
September 28, 2008	Credit Crisis - What's At Stake?	How Do Banks Work?	Who Gets Bailed Out?
August 22, 2008	Are You Mr. Market?	Portfolio Management	Market Direction
July 6, 2008	Market Declines - Problem or Opportunity?	Buying Companies at Book Value	Tax Free Savings Account
June 1, 2008	It costs a lot of Money to be Rich	Scams	Stocks We analyse
May 4, 2008	MicroSoft and Yahoo bid	Finding Hidden Earnings	Car prices dropping
April 5, 2008	It All Starts With Saving Money	Law of Unintended Consequences	Corrupted IPO practices
March 29, 2008	Competitive Advantage	Regression to the Mean	Market Outlook
March 2, 2008	Warren Buffett's 2007 letter	Characteristics of Attractive Businesses	Realistic Market Expectations
February 9, 2008	Buy Stocks Now?	Stock Index Valuations	Mortgage Life Insurance
January 20, 2008	Revenge of the Procrastinators	Off-Balance Sheet liability is Oxymoron?	Price to Book Value Ratio
January 6, 2008	Outlook for 2008	Companies that grow like snowballs	Stupid Banker Tricks
November 3, 2007	High Dollar Emergency	Buy U.S. Dollars?	Sell Manufacturers?
October 21, 2007	Build Your Portfolio like Buffett	Information is more valuable than products	Are we leaving debts to the next generation?
October 7, 2007	Realistic Returns from Stocks	High Canadian Dollar
September 23, 2007	Bank Exchange Rate fees excessive?	Canadians are now way richer in U.S. dollars	Can't Beat this Market Down with a Stick?
September 18, 2007	Canadian Dollar soars!
September 1, 2007	In praise of eBay	Look for toll-booth businesses	Invest like Warren Buffett
August 12, 2007	Market Direction?	The long-term arbitrage	Exchange rates and implications
July 29, 2007	A lulu LEMON of a Stock?	Price Differentiation	A Rapidly Aging Canada
July 14, 2007	Getting Rich in Stocks is Simple, but not Easy	Conrad Black	True Independence
July 2, 2007	Stock Market Direction	Canadian dollar fluctuations	Pension versus a self-managed pot of money
May 27, 2007	Don't hope to Get Rich, Plan for it	Magic of Compound Interest and Returns	Impact of Higher Dollar
May 13, 2007	Are you Getting Enough Return?	Asset Allocation and the all-stocks approach	Non-GAAP or Non-Sense?
April 3, 2007	Is Preservation of Capital dangerous to your Wealth?	Does Asset Allocation really Explain 90% of returns?	At what rate will Your Money Grow?
March 4, 2007	Risk Tolerance	Insurance Needs	Mutual Funds versus ETFs
February 4, 2007	3 words of Investing Advice of incredible value	Can You Take the Heat of being in Stocks?	Scams to Avoid
January 13, 2007	Goal Achievement	Lottery Mentality	Income Trusts and taxes
December 21, 2006		Your Net Worth
November 12, 2006	Is Competition Working?	Don't accept mediocre returns	Great Companies Of Canada
October 6, 2006	Back to Basics (ROE, P/E)	Paradoxes of the Market	Interest Rates
Sept 10, 2006	Return to expect on stock indexes	Return versus GDP	Earnings versus GDP
August 16, 2006	Making Money in Flat Markets	Compound Returns	Why there are few Sell Ratings
July 29, 2006	Get rich in stocks	Make Time Your Friend	Compound Growth
June 28, 2006	Buffett gives away $37 billion	Beware hidden commissions on U.S. stocks	Accepting higher volatility may increase returns
June 9, 2006	High dollar	Dealing with a market decline	Gasoline taxes
April 16, 2006	Interest Rates	Stock Option Expenses	The Abundance Mentality
April 8, 2006	Financial Engineering	Boring can be good...	Subscription based businesses
March 8, 2006	Trust	Warren Buffett's annual letter to shareholders	Why your return matters more in later years
February 15, 2006	Dual Class Shares	A dollar worth $20?	The Value Trap
January 15, 2006	Strange interest rates	Mortgage strategy	Will stocks increase in 2006?
December 17, 2005	Copy from the Best	Outlook for 2006	Pension Problems
November 20, 2005	TSX Segment Analysis	Behavioral Finance	Should you invest in stocks?
November 8, 2005	Stock Market versus Casino	Strategy to Get Rich	Avoid the Victim Mentality
October 23, 2005	Income Trusts	Proxy Voting Problem	Finance/ Accounting  Education - value for money
September 29, 2005	Good Industry characteristics and bad	Stop Loss Orders	Regression to the Mean
September 4, 2005	Hurricane Impact	Impact of currency fluctuations	Earnings often not correlated with share price
August 20, 2005	Income Trusts	Investment Approaches	No-brainer Investing
August 4, 2005	Brand Power	Risk Adjusted Returns?	Capital gains on bonds signal lower returns ahead
July 18, 2005	Free Trade	Floating Currencies	Paper Currency worry?
June 30, 2005	Historic stock versus bond returns	Are stocks riskier than bonds?	Are stock indexes overvalued at this time?
May 30, 2005	Exchange Traded Funds	Not all Commodity businesses are bad
May 2005	The Only Two Sources of Money in the Market	The Folly of Ethical Investing	The Joy of Owning Familiar Companies
April 2005	How to Get Started	Investing in Bonds	Thinly Traded Stocks
February 2005	Investing in Bonds	Convertible Bonds	Free Trade
January 2005	Successful Investing	Corporate Charity	Advisor Conflict of Interest
December 2004	One Up on Wall Street	Understanding IPOs	Currency Risk
October 2004	How to Lose money thru trading	Gold is no Inflation Hedge	Sports and Capitalism
September	To Succeed in Life - Copy from the Best	Trading Tips	How to Pick Stocks
August	The Insurance Industry	Understanding P/E Ratio	Short Selling
July	Casual Dining Industry	American Responsiveness	Politics and Business Editorial
June	Uncommon Profits	Fantastic Business Model	Lock in profits?
April	Insider Trading	Future business Trends
March	Be Rich, not just Right	Exchange traded Funds
February	Low risk, high return	Income Trust Phenomena	Trading Psychology
January	Conservation of wealth	Why RIM was smart to issue shares
Dec 2003	Time-specific material only
Nov 22 2003	Beware Greedy Managers	Beware Bankruptcy candidates	Pension Concerns
Nov 2 2003	Financial Services  - the world's best industry?	Trading Strategies
October 2003	Time-specific material only
September 2003	Time-specific material only
August 22 2003	Time-specific material only
August 3 2003	Warren Buffett and the Washington Post (129 Bagger and counting!)	How to Invest in Stocks	Don't be a "Ninny" And Pension Plan Woes
July 2003	Time-specific material only
June 4  2003	Winners Win
June 21  2003	Warren Buffett investing style
May 10 2003	Warren Buffett investing	How earnings can be manipulated
March 2003	Warren Buffett letter
February 16 2003	Investments goals and risk	Fixed Income versus Growth in RRSP
January 11 2003	Do as the rich do
January 25 2003	Air Canada and goofy management
Nov 30 2002	Income Trusts
Nov 21 2002	Pension Problems Loom
Nov 10 2002	Portfolio Management
October 27 2002	Realistic Returns	Lessons from Bonds
September 28 02	Earnongs Growth versus return	Markets are always volatile - get over it!
August 2002	Cash-flow definition	Quality of assets
July 7 2002	Definition of cash flow
May 24 02	How to succeed in business and life
May 11 02	Smarter company growth strategy
April 2002	Growth and Stock price
June 22 02	What Works on Wall Street
June 8 2002	Nortel	Income tax
Mar 23 02	Why Buy Stocks that are fully valued?	Preservation of Capital
Mar 9 02	Smart growth versus Stupid Growth	How to Pick Stocks
Feb 23 2002	Are all Stocks "Holds"?	All stocks are risky	Goofy Management
Feb 9 2002	P/E expansion and contraction	Adjusted Earnings	Enron
Jan 26 2002	How to identify an attractive industry	Death of the family farm	Canadian Loonie
Jan 11 2002	Accounting earnings versus adjusted earnings	Dilution and anit-dilution
Dec 27 2001	Value Line
Dec 8 2001	Efficient Markets?
Nov 24 2001	How the market creates and destroys wealth	Cash Cows and Sick Cows	Money "in" the market?
Nov 11 2001	This web site as a business	Price to Value Ratio