Everything you wanted to know about a TFSA but were too afraid to ask.
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Get to know your TFSA
CVS Coupon Shopping 98% SAVINGS
Here is my 9/11/11 shopping trip at CVS! Please subscribe and watch my other videos on my channel! Enjoy
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Duration : 0:2:40
Monthly Saver – Lloyds TSB For The Journey
Save for life’s little surprises. With our 5% AER/Gross Monthly Saver Account fixed for one year. Visit us in branch.
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Saving private Ryan – Thirteen Senses – Into The Fire
My latest music video and maybe the best I’ve ever done. I really like this one. The song is Into the Fire by Thirteen Senses and the movie is Saving Private Ryan. No doubt, this video goes directly to my Unbeatible video list. PLease enjoy it and let me know if you think like me, that this is my best video by far. PLease rate, comment, sahre with your friends and subscribe 
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ING Direct Canada – Orange Key – $25 Bonus Code – How to Video
How to get 25$ bonus for opening any account with ING Direct Bank Canada.
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Savings Accounts Agent Affiliate Program
THE savings accountS AGENT AFFILIATE PROGRAM is simple. You will receive all required documents and processing services required to start being a member of the affiliate team from one of top global savings institutions instantly!
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ISA – Lloyds TSB For The Journey
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P4. What is an ISA? (UK)
An Individual savings account or ISA is one of the most common and easy to access saving and investing tools in the UK. This video provides an summary of this products.
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Tiny Cube Home Yields Big Energy Savings
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An energy efficient home, measuring just 3 by 3 meters, is helping people realize how to cut their carbon footprint. The building, called The Cube, is the brainchild of a British psychologist who wants to know why – in his view – people seem to be reluctant to adopt energy saving technology. Here’s more.
A tiny eco-home, measuring just 3×3 meters inside, is showing bigger house dwellers how to go green.
The Cube Project is the creation of a research psychologist and former engineer who thinks consumers are reluctant to adopt energy saving technology and wants to know why.
Dr. Mike Page of the University of Hertfordshire, advises people how to reduce their energy consumption.
He set himself the challenge of creating a 3×3x3 meter space in which one person could live with a minimal impact on the environment.
The result is a carbon neutral home using commercially available materials and technology, including solar panels, high efficiency insulation, triple glazing and LED lighting.
[Dr. Mike Page, University of Hertfordshire]:
“The payback for energy efficient LED lighting replacing halogen lighting in hotels is around 300 days. So you are doubling your money in 600 days. That’s equivalent to having about 45 percent interest rate in the bank. So if anybody’s got a 45 percent interest bank account I’d like to know about it. If they haven’t they would be better off changing their lights.”
The Cube has a very efficient air-source heat pump which heats the water for showering, cooking and the central heating and is effective in temperatures down to minus 4 degrees Fahrenheit.
Photovoltaic solar panels on the roof and a south facing wall generate all the electricity the building needs.
Page says the Cube is an exercise in low energy living rather than a suggested future housing style.
[Dr. Mike Page, University of Hertfordshire]:
“We were very strict in design terms in saying look, we’re not going to use any piece of technology that is only applicable to a 3×3x3 meter space because then we are just telling people how to live in a 3×3x3 meter space and they say well I’ve got 6×6x6 meter house, what am I going to do? So, all the technology we have used is scalable.”
He says the Cube Project is an attempt to show that many of the technologies that we need are already available and affordable.
The question is, why aren’t we using them?
Duration : 0:2:41
Asset Bubble Due To High Savings?
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Central Bank of China’ president, Zhou Xiaochuan,
said in the Lujiazui Financial Forum of 2011 that
China’s high saving rate might spawn asset bubbles.
Is this the case? What do other experts think?
Here is NTD’s detailed report on the issue.
China is long known as a high saving rate country.
2009 reports show the saving rates to be up to 46%.
RMB outstanding deposit is 75.6 trillion by Apr.11.
Saving rate represents the percentage of savings
in individual’s total disposable income.
Why does China have such a high saving rate?
Xie Tian, professor at University of North Carolina,
said that Chinese tradition is one of the reasons,
but mostly this is due to the insecure social system
under the rule of Chinese Communist Party (CCP).
Xie Tian: “Chinese people generally worry
about 3 things: retirement, health and education.
They have been kept poor for a long time,
with no security for the future, nor from the CCP,
and that triggers the huge saving rate record.”
There are reportedly 0.8 billion farmers in China.
In 2009, CCP released New Village Pension Scheme.
According to the Law Blue Book of 2011, published
by the Chinese Academy of Social Sciences.
The standard rate of village pension in the scheme
was made notably low, with just RMB99 per month,
far from enough for a normal life.
During the two CCP congresses this year,
it was reported that 65.5% of interviewees thought
the medical expenses are too high.
Chinese high education charges are another burden.
Will China’s high saving rate spawn asset bubbles?
Economist Jian Tianlun thinks otherwise.
The real reason for China’s property bubbles
is the remarkable wealth gap in China, believes Jian.
In April, China Merchants Bank and Bain company
jointly issued the China’s Individual wealth of 2011.
It showed that by 2010, China had 500,000 HNWI
(High Net Worth Individuals) able to invest
RMB10+ million and each holding RMB30 million
investable, equating to a total of RMB15 trillion.
This group accounts 0.04% of China’s population,
but it enjoys 25% of China’s investment assets.
Jian Tianlun: “They enjoy an escalating rate
in national individual investment asset, with 23%,
24% and 25% in 2009, 2010 and 2011 respectively.
On account of that, I suggest that this is the problem
truly causing the current Chinese property bubbles.”
As to the Chinese HNWI distribution, more than
30,000 of them are evident in cities like Beijing,
Shanghai, Zhejiang, Jiangsu and Guangdong,
where the house prices are highest in China.
China’s stock market was in downturn the last 2 years.
Rumors about collapse of stock market are in the air.
Xie Tian said that the stock market was a place
where those bigwigs lined their pockets.
Columnist in Financial Times, Ye Tan regards
China’s stock market as a sucking machine.
According to WIND in 2010, of the 340+ new stocks
listed, the average IPO generated 2.4 billionaires.
In contrast, less than 20% of the Chinese investors
made a profit, with more than 70% being at a loss.
Why do Chinese investors keep investing in it?
Xie Tian: “According to both overseas investors
and other investment institutions,
China has 10-15% inflation rate. With such a rate,
Chinese people resort to savings by all means.
They then come to the stock market and invest,
only to gradually realize that their investments
end up in the pockets of CCP’s privileged clans.”
Xie Tian said that whether it is the property bubbles
or stock market, the real problem had nothing to do
with the high savings rate, but with the CCP clans.
NTD reporters Li Jing and Xiao Yu
《神韵》2011世界巡演新亮点
http://www.ShenYunPerformingArts.org/
Duration : 0:4:24