Retirefund is for sale!

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Retirefund is for sale

Monday, December 15, 2014

Who is looking after your Retirefund?

Target date retirement funds or retirefunds are growing in popularity

Target dated Retirement funds are known as Retirefunds.  They are often set up to target a specific date which is usually the retirement date of the individual investor in question.

Examples of such funds can be found at BMO, Scotiabank, Manulife, T. Rowe Price, Pimco, and many other banks and financial institutions too numerous to mention here.  These funds are the "cruise control" of mutual funds. As the investor gets closer to retirement, the fund's asset allocation becomes more conservative and focuses on fixed income. The changing asset allocation is called the glide path.

 "In the U.S., target-date funds hit the public consciousness after the Pension Protection Act of 2006. The legislation allowed 401(k) plan sponsors to make life cycle funds the default investments for participants who didn't choose their own funds. The logic was that since investors were now in charge of their own retirement funds, sitting in cash wasn't going to get them there".(See Nasdaq)

In Canada, target dated funds began gaining more interest around the same time. These funds have some very positive aspects which are desired by many investors.  Many individuals are so busy with their own careers, family and lives that they truly want their retirement funds on cruise control. Although I often point out you are the best keeper of your retirement plan and your money, many people either do not, or cannot look after their own plans.

There are however some drawbacks to these plans you should be aware of. The Canadian investment review has an excellent article on this very subject entitled: The trouble with retirement dated funds.

Retirefunds may not be for everyone but there is a growing investor base that wants to keep their investments on cruise control.  If you are interested in this form of retirement financing, you should contact a qualified financial adviser.


Wednesday, November 19, 2014

Internet domain Names are a vital and valuable part of today's Ecommerce

Domain Names for sale!

Internet domains (addresses) have become an important cog in the growth of ecommerce worldwide.

A domain name should say what, who or where you are, or should refer to your business in simple language terms. directly and to the point.

Some domains consist of valuable search terms coveted by major enterprises in various aspects of business and as such, they demand a high premium.  Contrary to popular belief, some domain names still command a very high premium as evidenced here at the DNJournal.

As you can see from the DNJournal tally, the top 10 domains sold this year totalled 19.4 $Million in sales.  The total sales of the top 100 domains sold this year total over $40 Million dollars.

We are selling the following Internet Addresses, most of which we have had registered since 1998.

Should you wish to make an offer on any of these domains, just click on the name you are interested in to be taken to the auction site., a third party broker of aftermarket domains, will handle the transaction once a final bid is accepted and will act as an independent third party broker utilizing it's proprietary escrow service to ensure the sale is conducted in a responsible manner.

More domains for sale at Sedo!

Note: Only serious offers will be considered.


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Thursday, September 18, 2014

Lithium and Graphite miners begin to shine as Rockwood gets bought for 6.2B and Tesla announces it's "Giga Factory" for Lithium batteries

  Why we own Focus Graphite Shares

Focus Graphite has been one of our core holdings in the emerging electric car market and for graphene development. Here are 10 reasons why we bought into this Canadian junior.

1. Holds two properties containing strategically and economically important minerals
graphite and neodymium – needed for green initiatives, and; for European and U.S. national and
industrial security.

2. Economics: The Lac Knife graphite deposit holds the highest concentration of flake graphite in the world at 16%. And their positive Preliminary Economic Assessment (PEA, Oct ‘12) outlined robust economics: mine life of 20 years, $3.7 billion total net revenue, $926 million pre-tax undiscounted cash
flow, a 32% pre-tax IRR with a $246 million pre-tax NPV at a 10% discount rate. Lac Knife is anticipated
to go in production in early 2015

3. Supply conditions favor Focus Graphite. China controls the global market with over 70% of worldwide graphite production and with the United States producing no graphite, security of supply is critical.

 Super Capacitors printed on Graphene
4. Market applications favour the company. Future demand will be driven by green technology initiatives
in the Carbon Age - lithium batteries, electronics - and advanced technology-grade graphite applications and products and the discovery of the "miracle material" graphene!

5. The numbers tell the story. Current world production of graphite is approximately 1.2mt of which 40% is
flake graphite.

 To meet future estimated demand, some 25 new mines would be required by 2020.

6. Strategic implications will dictate future development. The U.S. and Europe are vulnerable to
graphite and neodymium shortages. Both the E.U. and the U.S. Government have designated graphite
as a critical mineral.

7. The Kwyjibo REE property has a strategic partner in the Government of Quebec through SOQUEM, a wholly–owned subsidiary of Investissement Quebec which is responsible for fostering economic development and job creation in Quebec.

8. The discovery of graphene will change the way we work, live and play in the future. At one atom thick, it is the strongest material known to science. It conducts electricity better than copper, is transparent, can be shaped to suit any form and can be modified to suit different industrial end-uses.

9. Graphene is most economical to produce from high quality, natural flake graphite such as that found at Lac Knife

 Graphene - the “new silicon” - provides limitless commercial opportunities through Focus Graphite’s
investment in Grafoid Inc. owns (40% ) 
Grafoid invests in, manages, and co-develops application solutions from economically scalable graphene.

10. Focus Graphite is positioned perfectly for long-term growth with the right resources, the right management and the right strategic partners as evidenced in its JV with Hydro-Quebec as technology partner in graphite purification and anode production.


Ed note:  We have been high on Graphite as a crucial material of the future of lithium batteries for some time now and also took positions in several other Graphite companies including Graftech Intl, Flinders Resources. Mason GraphiteLomiko Metals, and Berkwood Resources.

Friday, March 7, 2014

The Death of Long Term Thinking

A "Tongue in Cheek" article by Motley Fool Analyst and contributor, Morgan Housel

 Long-Term Thinking: 1800-2013
By Morgan Housel

Long-Term Thinking died last year. His last true friend, Vanguard founder Jack Bogle, was at his side. He was 213 years old.

Long-Term Thinking lived an illustrious life that began at the start of the Industrial Revolution, when for the first time, people could think about more than their next meal. But poor incentives and the rise of 24/7 media chipped away at his health. The final blow came when a trader on CNBC warned that a 10% market pullback -- which has occurred on average every 11 months over the last century -- could be "devastating" for investors. "That's it," Long-Term Thinking whispered from his hospital bed. "There's no more room for me here." He died shortly thereafter as Bloomberg published its daily tally of how much the net worth of the world's billionaires had changed in the previous 24 hours.

Long-Term Thinking endured the Great Depression, world wars, and spiking interest rates in the 1980s. But the last five years proved too much, as he fought for relevance with cable news, Twitter, and derivatives. He was hospitalized in May 2010 after pundits lost their collective minds over a "flash crash" that made a few stock prices freeze up for 17 minutes. "Computers froze for 17 minutes and they literally think American industry vanished," Long-Term Thinking told his psychiatrist. "These people are insane."

Fifty years ago, the average stock was held for more than eight years, according to LPL Financial. By 2010, the average stock was owned for five days. Fifteen years ago, S&P 500 companies spent more than 40% of available cash flow on capital investments. That fell to just over 25% by 2007, with the difference going mostly to share buybacks, likely to boost option-based compensation. "Our culture has an endemic problem of short-term thinking," Long-Term said in his final speech in November. "Years have become months, months have become days, days have become milliseconds, and milliseconds have become careers. However much you think you're winning in the short run, you're losing in the long run."

Long-Term frequently blamed media. Louis Rukeyser's Wall Street Week went off the air the same year Mad Money, Jim Cramer's daily investment show, debuted. The number of important financial events hasn't changed since Rukeyser could cover a whole week's news in an hour -- just the amount of drivel, gossip, nonsense, and hyperbole. It was too much for Long-Term Thinking to handle. Once the bastion of rational thought, he became the laughingstock of the financial world, repeatedly teased for his indifference to candlestick charts and the 50-day moving average.

Some mourned his passing. Peter Burton, a hedge fund manager from Greenwich, Conn., said, "It's sad to see him go. Everyone in my field knows he was right. With our own money, we think years out in the future. But with clients' money, I have three months to be correct, or I'm out of a job." Shaking his head, he continued: "The dirtiest secret in finance is that few of us are incentivized to do what's right. Your pension fund, your 401(k), and your kids' college funds probably have a time horizon measured in decades. But you pay me based on how I perform against my peers every 90 days. It's such a joke."

In lieu of flowers, his family asks that you turn off CNBC and stop checking your brokerage account.

Friday, January 17, 2014

IBC Advanced Alloys poised for tremendous growth!

It has been years if at all since I have noticed a microcap company, indeed, a penny stock, that has as much potential and upside as IBC Advanced Alloys does.  I certainly cannot remember any, and that's saying something.

IBC's website states that: "IBC Advanced Alloys is a leading rare metals advanced alloys developer and manufacturer, for the global market, with a focus on specialty copper alloys and high performance beryllium aluminum castings. IBC's engineered solutions are essential for high technology products used in a broad range of market sectors including nuclear power, automotive, oil and gas, electronics and aerospace. Complementing our alloy manufacturing operations are R&D initiatives focused on enhancing and supporting IBC's growing US manufacturing base." 

When searching for good prospects in the penny stock area, one normally encounters many frontier type miners with no production, no income and no cash, with big dreams for a single mining claim. IBC is a different animal completely.

Many things differentiate this microcap from it's peers, not the least of which is a patented process of producing a proprietary Beryllium Alloy called "Beralcast"(c). At this writing IBC is working with Lockheed Martin Corp, in the production of the most advanced fighter jet in history, the F-35 Lightening II
which was recently the subject of an attempted theft of technology by Iran.

Beralcast(c) is a casted alloy, which is not duplicated by any other company at present.  It is proprietary property of IBC Advanced Alloys, and one of the reasons IBC recently (2013) gained the top engineering designation of  AS9100 Certification for the Aerospace industry.

 I believe that, if IBC signs with Lockheed Martin to provide Beralcast Alloys for the F35 stealth fighter, the share price will pop around 500% on the first day. Of course, that hinges on the signing of a contract.

That, my friends, is only one of the "irons in the fire" on the drawing board at IBC. Their alloys are also to be used in the nuclear industry to make nuclear fuel safer to use. Recently they presented at the American nuclear top fuels conference.

IBC also recently signed an MOU with Global Nuclear Fuels America and Ceramic Tubular Products to Advance Nuclear Fuel Initiatives.  See: MOU 

Another frontier for IBC Advanced Alloys Corp is in the Injection Moulding market where Beralcast Mouldings are "The ideal material for mold cores and cavities and one that has both excellent thermal conductivity and high hardness". 

 Although IBC is still currently a penny stock, listed on the TSX Venture exchange under the symbol IB and on the OTC market in the U.S. under the symbol IAALF, it won't be very long before growth forces this under the radar stock onto the Nasdaq exchange as IBC's four production facilities are all located in the USA. I suggest you get in before that happens, for obvious reasons.

If you don't already have IBC in your penny stock portfolio, then you are just not paying attention!

Wishing you great investing success.


Recent headlines for IBC.

New European partners

Nuclear Fuel enhancement

Lockheed Martin F-35 Contract