There is over $13 billion in outstanding federal student loans and a further $5 billion in outstanding provincial student loans. Thousands of young Canadians receive student loans and many of those students begin a debt cycle that becomes a millstone around their necks. In BC, more than 60,000 students will apply for student loans this year while BC student unemployment reaches 21%. The cost to the province of unpaid student loans is growing at 30% a year. Seems like a crisis worth solving, doesn’t it? A group of BC-based MBA students are trying to address this problem. Their company, Sustainable Debt Solutions Inc., is developing a pilot program that teaches students how to manage their money – everything from knowing how to live within your means, tracking your income and expenses, and how to save. The program will teach students how to develop a plan to pay back the loans within a reasonable amount of time. The goal is to increase repayment rates of student loans overall. Why would they be talking to us? We both agreed that students that are applying for students loans could benefit from financial literacy training. BCSC has developed a comprehensive program called The City  , to teach financial life skills to BC high school students. University students could benefit from taking this course, in particular, the credit and debt module, in order to help them figure out the best way to manage their way through post secondary education. This fall, BCSC will launch its revised and updated version of The City. It believes that the resource should be used not only to educate high schools students, but could be used in continuing education courses in community colleges and for helping students manage their student loan debt.
To read previous posts on this and other topics, click on Let’s Talk about Investing.
On the eve of this city’s biggest undertaking, the anticipation for Canada to win lots of Olympic medals is palpable. Polls on news sites ask people to vote on whether Canada will win 20 or more medals. It’s as if there wasn’t enough pressure on the athletes already, so let’s pile it on. Some sports enthusiasts are behaving just like aggressive financial promoters, promising you huge returns on our Olympic investment, but forgetting to mention the risks. Who knows how well Canada will do in the 2010 Olympics. Just like investing, you can’t promise lots of gold medals without assessing the risks. Even men’s hockey is not a sure thing. I will however cheer our team on as they compete against the world’s best and hope, like my investments, that I get a reasonable return. What that means in Olympic terms is some exciting and unexpected wins over the next couple of weeks. Click on Let’s Talk about Investing to read other blogs on this topic and others.
Ben C. commented on the InvestRight.org visitor survey saying he was looking for information on mining stocks, in particular about reading technical reports and summaries of mineral reserves and resources. Early stage mining exploration companies—like many other early stage companies in other sectors—are risky investments. It can take five to 10 years and cost many millions to find out if a promising claim has mineral reserves. It can take many more years and tens, or hundreds, of millions to obtain permits and build a mine before the company starts generating positive cash flow. While the potential for substantial gain from mining investments exists, it comes with the high risk of failure. When mineral projects fail or are abandoned, investors may be left with securities that have little or no value. It’s important to face the risk-reward factor squarely if you’re interested in mining stocks. And Ben is wise to seek help understanding the technical reports that Canadian regulators require from mining companies at key milestones. These reports are filed on SEDAR for public viewing at no cost, but there’s no denying they can be dense, highly complex, and may not be written with the average investor in mind. At InvestRight, we caution investors to put money only into investments they can understand. If you're prepared to spend some time learning about mining with an eye to investment, dig into the following resources: - The InvestRight primer for investing in mining sets out 10 questions to ask about a mining or mineral exploration company before you invest.
- The Association for Mineral Exploration in British Columbia (AME/BC) offers many resources including useful links , publications , and courses . A publication called Mineral Explanation Explained, “a general outline and user friendly translation of the technical materials found in news releases and analysts reports” is listed as “coming soon.” Life Cycle of a Mine
 , a one-page flyer from AME/BC, puts the long time-frame for mining investments into perspective.
- The Northern Miner , a mining trade news source, sells the book Mining Explained , which is listed as a “popular layman’s guide to mining.”
- Exploration & Mining 101 , is a two-day course overview of mineral exploration and mining for non-technical types, scheduled as part of the 2010 Mineral Exploration Roundup to be held in Vancouver, BC January 18- 21, 2010.
- BC Institute of Technology part-time studies in mining technology offers courses in the spring and fall. Contact faculty and advisors for further information.
Have you found a book, website, or course about the technical aspects of mining that would be useful to investors? Please share it with us and other readers by leaving a comment.
Every year, the BC Securities Commission hosts a half-day event to discuss and debate important issues facing Canadian regulators. In the past, we have had international and Canadian experts examine such topics as outcomes-focused securities regulation in action, regulatory and criminal securities’ enforcement, and the challenges facing Canadian investors in the 21st Century. This year Capital Ideas is very timely. Business leaders and regulators will discuss how regulators should respond to the international credit market crisis and its fallout on the broader capital markets. The panellists have impressive backgrounds and a wealth of experience: - Doug Hyndman, Chair and CEO of the Canadian Securities Transition Office, Vancouver, BC
- Dr. Malcolm K. Knight, Vice Chairman, Deutsche Bank, New York
- Greg Tanzer, Secretary General, International Organization of Securities Commission (IOSCO) Madrid, Spain
- And Dr. Patricia Walters, CFA, Clinical Associate Professor of Accounting, Fordham University President, Disclosure Analytics Inc. New York.
Ian Hanomansing, host of CBC’s News in Vancouver and sometime host of The National will moderate the panellists. Discussions will range from how to manage systemic risk, globally and locally, to identifying the needs of retail investors going forward. If you are interested in listening to this dialogue, the BCSC website will post the webcast on its website after December 1st, 2009.
Back in 2006, the Canadian Securities Administrators (CSA) commissioned a major piece of research that looked at Canadian investors’ skills and knowledge and the levels of investment fraud in Canada. It was an illuminating study. We learned a great deal about our investing beliefs and our behaviour. For example, investors understood the importance of being informed investors, yet they fell short when it came to putting their knowledge into practice. The result was a more vulnerable investor to unsuitable or illegitimate investment opportunities. This summer we conducted another investor index, surveying more than 6,000 Canadians . We found to our dismay that the number of Canadians with no savings at all had increased by 8% (from 28% to 35%). On the good news front, the numbers of Canadians falling victim to investment fraud hadn’t changed. But here is where BC investors have to be alert. BC is way ahead of the pack (10% higher than the national average) when it comes being approached with an investment scam. Of further concern is the fact that British Columbians are the most likely to say they have an aggressive investment style, with 38% agreeing with this statement. This last point is consistent with our Eron Mortgage Study where we learned that of those scammed, many were overconfident men in their 50’s. In the Eron Mortgage debacle, over 3,000 investors lost more than $180 million. These are just a few of the findings in what is a very important piece of research. There is a lot to learn about Canadian investors.
Every fall we hold a half-day conference, Capital Ideas, for the securities industry and interested members of the public. CBC news anchor Ian Hanomansing moderates the panel and handles questions from the audience. Last year we tried to get into the minds of the 21st century investor . We spent the morning with business leaders and investors analysing original research on the challenges facing investors today. The year before we brought together a group of business leaders and enforcement professionals to discuss securities enforcement – one of the key tools that regulators have to protect Canadian investors. This year we are bringing to Vancouver a distinguished panel of experts , including the head of the International Organization of Securities Commissions (IOSCO) and Doug Hyndman, who leads the transition office for Canada’s proposed national securities regulator. Capital Ideas 2009 will focus on how regulators should respond to the international credit market crisis and its fallout on the broader capital markets. We picked this year’s topic because we think it is important for everyone in the industry to understand what happened during last year’s credit crunch in order to prevent it from happening again. The panel will bring a wealth of knowledge and experience to a range of topics -- from how better to manage systemic risk globally and locally, to the challenges of advising today’s conservative, risk-adverse investors. If you are interested in registering for the conference go to our website . There are a limited number of seats available at a reduced rate of $50.00 for students. Call Dawn Barden at 604 899-6677 to purchase seats at this reduced rate.
It’s back to school, as thousands of students begin another year of studies. Here in BC, our high school students are one step ahead of the rest of Canada. Why? Because five years ago, the BC Ministry of Education introduced a course teaching financial life skills for its new Planning 10 program. To support the program, we took the initiative to design a comprehensive teacher resource called The City: Financial Life Skills for Planning 10 . Working with teachers, students, curriculum writers and financial experts across the province, we quickly discovered that one of the biggest challenges was how to make financial education interesting and relevant to 14 and 15 year olds. The result is an interactive, activity-based resource using eight fictional lifestage characters whose stories represented a wide range of financial experiences. As part of our program, we provide free webinar training to teachers, usually twice a year. This is an important component because we know that many teachers find the subject matter quite daunting to teach. Last year, the Canadian government identified financial literacy for Canadian youth as a priority. To support this important goal, we agreed to license The City to the Financial Consumer Agency of Canada so that an on-line, interactive program in English and French could be made available to all Canadians. So if your children are starting Grade 10, tell them about this program. Explain to them how important it is to learn how to manage money. Tell them it is an important life skill, as important as learning Math, English or History. Understanding important financial concepts like budgeting and saving, credit and debt, insurance, taxes and investing will arm students with the basic tools they need to navigate through the financial realities of adulthood.
The Shorty & Evans radio campaign winds up today on the TEAM 1040, bringing to a close 8 weeks of talking investing and hockey to a very specific target audience—over-confident men, 45+ , who love sports and listen faithfully to sports talk radio. If you’re an investor in that age and gender group, you may not think of yourself as being over-confident. But research shows it’s not neophytes but experienced investors who fall most often for investment scams, and we thought that one of the best places to find you was on sports talk radio. People said all kinds of nice things about the Shorty & Evans commercials we ran, mostly of the “hey that’s cool” variety. The 30- and 60-second spots featured excerpts from a longer conversation on investing that John Shorthouse had with Lang Evans this spring, and invited listeners to tune in to the full podcast on the InvestRight blog. The spots did their job of increasing visits (blog visits doubled while the spots ran), but I admit that we were expecting more people to take the next step and watch the podcasts on Shorty & Evans YouTube Playlist . I’d love to know why listeners didn’t link to YouTube. If you have any ideas, please leave a comment. In the meantime, the podcasts are on the InvestRight YouTube channel 24/7 and you can listen to them any time you want by going there, or clicking on the player below. If you’re a hockey nut, I think you’ll enjoy the hockey references. If not, you’ll still find useful answers to important questions about risk and reward, the red flags of investment fraud, and wise investment plays. We’ll be back with new podcasts in September. For now, listen away and, please, share this first batch with your family and friends. To read the top takeaways from all the Shorty & Evans podcasts, follow the links below: Risk & Reward
Red Flags
Wise Investing Plays
Investment Fraud Do you find the podcasts and takeaways useful? It's easy to leave a comment, and we can do a better job of posting content you really want and need if we hear from you directly.
If you’ve used our Guide to Investing on how to work with your investment advisor, you know how important it is to check your advisor’s registration. And if you’ve checked your advisor’s registration, you’ve probably used the registration database on the BCSC website or contacted our inquiries group. If you have checked the registration of your advisor or the advisor’s firm… how did that go? Did you find what you were looking for? We’re looking for feedback on the current process of finding registration information in BC and across the country and would love to hear from you via a survey . There’s a proposal afoot to combine the registration searches from securities commissions across Canada (with the exception of Ontario) into one national search on the Canadian Securities Administrators website . BCSC is leading the project to determine what this national search will look like and we’re in the beginning stages of figuring out what users want and need. We’ve created a survey to learn about how you currently find registration information, what you’re looking for, and how you use it… and we want your opinions. Please complete the survey and help us make the proposed national registration search as easy and useful as possible. We also welcome your feedback on finding registration information (or anything else!) through comments on this post.
If you listened to last month’s Shorty & Evans podcasts , you’ll know we had men in mind, especially the ones who love hockey and the Vancouver Canucks. So, women, this post is for us. Whatever your interests, age, income, debt-to-savings ratio, relationship status, size (or lack) of investment portfolio, ladies, the research makes it clear that we have work to do if we want a comfortable lifestyle now, and down the road in retirement. Canada-wide research carried out in the past few years by the Canadian Securities Administrators , and the BCSC InvestRight’s own 2008 national survey into The 21st Century Investor have turned up telling differences in the investment knowledge, attitudes, and behaviours of Canadian women and men. In general, women are more risk averse. This is good. The research shows that we are less likely than men to hold beliefs that make us vulnerable to investment fraud. As a result, we are less likely to be defrauded. But being risk averse and generally conservative seems to stem from the fact that we have limited investment knowledge. That might be okay if limited knowledge didn’t correlate so strongly with lower income, higher debt, less confidence and, ultimately, less opportunity to make the most of our money and financial opportunities. Happily, there’s a younger generation of women who want it all (sound familiar?) and are figuring out practical ways to afford it. Case in point: BC’s own Smart Cookies . These five, 30-something women all got into financial trouble ($40,000 of consumer debt) in their 20s. Inspired by an Oprah episode on personal finance, they formed a money group to help each other move past being clueless, careless, and passive about money management. Since then, they have paid off all their debts, been on Oprah themselves, written a book to share their success tips , and launched themselves on a collective new career as finance and investment educators. We think the Smart Cookies are a great example of how women can become financially savvy. In fact, they impressed the BCSC so much with their “get out of debt, make more dough, spend smarter, and live a richer life” philosophy that we now partner with them to teach financial life skills to BC teenagers and university students. In addition to their website, you can find the Smart Cookies on CBC Radio One , Tuesdays at 4:30, on the W Network , Monday evenings at 10:30. Help us start a conversation about women and investing. What steps are you taking to improve your financial life skills and become financially savvy? Do you have a favourite tool or resource to share with other women? We look forward to your comments.
In this third of three investing podcasts, John Shorthouse and Lang Evans talk about wise investing—what to do if you have a chunk of money to invest, why you have to pay extra attention when investing in a private deal, and how to do your research. Have a listen: Top 3 take aways from wise investing plays
1. If you have a chunk of money to invest, don’t invest it just because it will save you taxes, or just because you like real estate. Look at the whole deal. Evaluate the risks and make the smart play. Get the facts before Investing in Real Estate-based Securities. 2. If it’s a private deal, you’re really on your own and you need to ask the questions that regulators ask. For example: - Who’s behind it?
- Have they ever been in trouble?
- Are they licensed?
- Where’s the money going?
- How’s the money coming back?
- What’s the liquidity?
Find out more about Investing in Private Companies. 3. Your research should involve at least the following steps: Listen to the full podcast on YouTube , and share it with your friends and family. Check out our other Shorty & Evans posts: Was this information useful to you? Let us know how! We welcome your comments.
In Part 2 of the Shorty & Evans investing coaching session, Canucks play-by-play announcer, John Shorthouse , learned about the red flags of investment fraud from BCSC enforcement director, Lang Evans. Shorty called it "a conversation worth listening to". Here’s the podcast: What Shorty learned from Lang about the 5 red flags of investment fraud: - High returns, no risk—There is no such thing!
- Insider tips—A real lose-lose situation. It’s against the law if the offer is real and it’s a fraud if it isn’t.
- Offshore investments—Send your money “offshore” and there’s every chance it’s not coming back.
- Profit like the experts—Often the “expert” is good only at taking your money, not giving it back.
- Your friends can’t be wrong—It's called “affinity fraud” and whether it’s a religious group or your hockey team, the scammer sells to one person and uses that person to sell to the rest of the group. Always do your homework, no matter who offers you the deal.
Listen to the whole podcast on YouTube . We hope you'll share it with your friends and family. And we'd love to know if the information was useful to you. Just leave a comment to let us know. Check out our other Shorty & Evans posts:
Today we launch a radio campaign on TEAM 1040 . It features Canucks play-by-play announcer, John “Shorty” Shorthouse , and BCSC director of enforcement, Lang Evans. John sat down recently with Lang for a coaching session on investing. In this podcast, Shorty & Evans talk about the risks and rewards of investing. Top 3 take-aways from risk & reward podcast 1. Be patient. Make the play on your terms. When you're presented with a deal, always step back: any good deal that's there today will the there tomorrow. Look for opportunities and return, but also look at balancing your risk. Don't hesitate to pass the deal to someone with expertise in the field for a second opinion. 2. Most common investing mistakes: - Buying an investment you don't understand
- Putting too much money in one deal
- Using borrowed money to invest
3. No matter how bad the news in your investment statements, you're better off knowing. When you get something in the mail from your advisor, open it, read it, ask questions, and understand it. Listen to the whole podcast on YouTube Check out our other Shorty & Evans posts:
Are businesses’ profits down because employees are stressing about money? Can increased employee financial literacy increase employer profits? If you ask the Personal Finance Employee Education Foundation (PFEEF) , the answer is a definite YES. According to PFEEF, raising income levels will not address the problem. I guess someone who is irresponsible with $1.00 will be the same with $1,000,000, though they may have more fun with the latter. All joking aside, I think the PFEEF makes some very interesting arguments for why employers should offer financial education for their employees. Though it’s a U.S. organization and some of the references and research are not relevant to Canada, the basic concepts certainly seem applicable to Canadian employers as well. The PFEEF is a not-for-profit private foundation established in 2006 for the scientific purposes of serving the public interest for non-commercial purposes by educating employers on the bottom-line benefits of workplace financial education that improves financial literacy and personal financial behaviors (read more) . The organization attempts to identify the best work place financial programs and help employers understand the benefits of employee financial education. You can watch a six minute video Employers Profit When They Care About Financial Literacy to better understand their position. 
The top 3 messages I took away from the video were: A financially stressed employee can cost an employer $450-$2100 annually. 1 in 4 employees are financially stressed. For every $1 spent by employers on financial education, they gain a return of $3 or more.
One point I question is whether an employee who spends work time stressing about financial matters would simply spend it stressing about something else if you took away their financial concerns. That said, in this recession employers are looking for ways to cut costs and improve profits. Perhaps a workplace financial literacy program could help do both. Do you participate in a financial education program at work? If so, I would love to hear your stories, tips, and suggestions based on your experience. Are you interested in having a work place financial education program? The PFEEF site provides materials to help you convince an employer to implement one. If you make a pitch, please let us and our readers know how it went by leaving a comment or sending me an email. I need to give credit to the Pre-retiree investor education outreach project group from the North American Securities Administrators Association . The group members introduced me to PFEEF during a strategy meeting a couple of weeks ago. The project group is a hardworking team of individuals dedicated to helping investors become more financially literate.
A few weeks ago, Celebrity Calamity went live. It's an online financial literacy game aimed at young women between 18-35. It's catchy. In fact, my wife, who is within the target market, played it for an hour straight with mutterings here and there including “she can’t afford that!” when her star Celeb suddenly bought a private jet. There's a short write-up on it over at Fast Company . 
Funnily enough, I happened upon Celebrity Calamity just after talking with a friend over coffee about the possibilities for creating a personal finance game. Not an online game, but an in-depth one made specifically for gaming consoles . Given the popularity of games such as Wii fit , which focuses on physical fitness and brain games such as Brain Challenge , Brain Age and BUZZ! , which exercise and test brain skills, we wondered if financial fitness could be the next evolution in personal health themed games. Gaming consoles are starting to appeal to audiences beyond the youth market such as the family entertainment sector and even seniors - in Toronto 10 retirement homes competed for gold in a self-organized gaming Olympics! Now I realize there is a lot involved in producing a full-on video game, so my friend and I also pondered the questions: Where does one start? Who does a non-profit partner with? Any suggestions? Do you think this is a worthwhile pursuit or are we just gaming ourselves? Links to other financial literacy games: Are there any financial literacy games that you like? Add to the list by adding a comment.
Securities commissions across North America have been doing investor education for a long time. Until recently, it was regarded as a nice thing to do, but not a necessary thing to do. In British Columbia, we have been ramping up our education work at an accelerating rate over the past decade. We see it as an important and integral part of regulation. Today, with the credit crunch and resulting financial meltdown, investor education, and financial life skills training, has become a hot topic with policy wonks, educators, governments and the media. Now there is chorus of voices from around the world that are calling for more effective programs to help investors protect themselves by asking critical questions of their advisors and learning how to protect themselves from fraud. As well, there is a call for programs to teach young people financial life skills so that they grow up more equipped to manage their money. I have been invited to talk about these issues as a panellist at the joint investor education conference of the International Forum for Investor Education (IFIE) and the International Organization of Securities Commissions (IOSCO) next week in Washington DC. I am on two panels—one about target marketing investor education programs (I am going to talk about our school program in BC which we have been marketing for five years) and the other is about moving investor education into the 21st century (I will talk about using social media together with traditional media in one integrated program.) If you have any thoughts, ideas or comments on these subjects, I would be delighted to hear them. I will also be twittering my observations on the conference: @SPBowles
In January, The Wall Street Journal published an article Six Lessons for Investors by John C. Bogle. Even though the article is over a month old, the content is still timely-especially given the recent release of an annual poll by TD Waterhouse that shows Canadians are losing confidence in their investment savvy . The six lessons won’t magically bring back investor confidence, but it’s not a bad foundation to build on. The six lessons for investors discussed in the article are: - Beware of market forecasts, even by experts
- Never underrate the importance of asset allocation
- Mutual funds with superior performance records often falter
- Owning the market remains the strategy of choice
- Look before you leap into alternative asset classes
- Beware of financial innovation
Of course, how these lessons apply to you will depend on your personal situation.
Well, we have a challenge for them that requires mental, not physical, work. Why not see if you can get your kids (15 - 21 years old) to take some time away from Facebook—with the carrot of a possible $750 scholarship—to test their financial life skills? Students have to answer a set of multiple-choice questions using financial situations they might face as young adults. The website also offers worksheets and a resource guide for teachers and parents. The Financial Fitness Challenge closes on February 28 and is sponsored by the Canadian Securities Administrators . Also available in French .
Eyes around the world were on Washington, DC this week for the Barack Obama inauguration . The 44th president of the United States is a man whom America’s favourite billionaire Warren Buffett says is the “absolute right commander in chief” to guide his country through a financial crisis that Buffet defines as an “economic Pearl Harbour”. Last year, Obama’s rallying cry—yes we can!—resounded on both sides of the border, calling people to believe in themselves, have hope for the future, and take responsibility by committing to small, doable steps. In his inaugural address this week, he recognized that the “greed and irresponsibility of some” had led to a weakened US economy, but he also pointed to “our collective failure” to make hard choices. Even at the other end of the continent, I couldn’t help feeling part of that collective failure. Obama got me wondering: Had I really tried to understand the economic indicators as they gathered like storm clouds over 2008? Did I understand my own investments well enough to react appropriately as “market volatility” became a household phrase? How much time did I actually spend reading to increase my investment knowledge? And, honestly now—did I have the habit of making hard financial choices in order to secure a more comfortable retirement? Maybe not. It's just possible that I didn't take full responsiblity for my investing activity or, as Dale commented on last week's post, Affinity at the heart of Madoff mayhem turn my brain on fully. Luckily, my retirement is still about a decade away, so there’s time to make up for last year’s losses. But next time an economic tsunami threatens, I intend to be better prepared. And to that end, I’m taking small steps now. Here are three at the top of the list. (We offer the links FYI, but the BCSC does not endorse the outside sites or content.) 1. Buy a book about investing (or take one from the library) and read it! Here’s a list of some Canadian titles worth checking out. 2. Find yourself a new blog that resonates with what you know and want to learn, and subscribe. The Canadian Capitalist blog has a list of Canadian financial blogs to get you started. 3. Read your monthly investment statement, make a list of questions, then call your advisor for an appointment to discuss your portfolio. The InvestRight.org Guide to Investing has a nifty section called Annual Check-up with questions you can add to your own. Have you figured out yet what the market turmoil has done to your investment / retirement goals? What steps are you taking in response?
Who we are
You might be wondering “what the heck is InvestRight?". InvestRight is the BC Securities Commission investor education program. Its purpose is to help investors protect themselves against investment scams and take steps to choose investments that are right for them. Our programs include live seminars, high school class resources, a website with online tools and information, and partnerships with community leaders. We, Brenda Lea and Anthony, are the initial bloggers. We both work with the Commission's investor education team to help create programs for InvestRight and we are co-writing this welcome post right now. Why a blog
The short answer:
To share experiences, ideas, programs, research findings, and feedback so that we can build programs and tools that best serve you in becoming an aware and capable investor. The long answer:
As our programs evolve, we continually ask ourselves these three basic questions:
1. Are we reaching investors?
2. Are we giving them what they need?
3. Are we helping them avoid scams and choose suitable investments? In the early days, we travelled around BC meeting people face-to-face in seminars about how to spot and avoid scams. Typical for the times, we asked people to complete satisfaction surveys, where we usually found out that they were happy we’d come. What we didn’t learn was whether investors were getting what they really needed to become more aware and confident. Were we making a difference? If so, what kind of difference? Did they feel more capable? Less vulnerable? Did we actually help them avoid an investment scam? So we launched research projects to find out more about investors—what they know and their experience with investment scams. We created InvestRight. Now we had a better grasp on the needs of Canadian investors, but we didn't know what worked best for individual investors. We still needed to understand what would help an investor become more aware and capable. We think that the best way to answer this question is a ongoing dialogue with you—a conversation to share experiences and ideas with the goal of making better investor education tools. This is why we are blogging. Posting, comments, and updates
To start off, we aim to post every Thursday. We hope that you will comment on the posts, download the tools, answer the polls, read the research, watch the podcasts, share it with family and friends, and give us feedback. We especially hope that you will help us understand who you are and what you’re looking for on the road to becoming a better investor. We will review all comments before publishing and post those that don’t fall outside our comment policy. The reason for our comment policy is to ensure that the blog remains on topic and is a productive, open, safe, and respectful forum for discussion and sharing. Subscribe to the InvestRight Blog to receive updates via email or an RSS reader. That way, you won’t have to keep checking back here for the new stuff. Then again, if you prefer checking in when you want, just bookmark the blog so we're easy to find. Now, let’s talk about investing.
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