Canadian Personal Finance Happy Hour – 10th edition – What to buy?

Be careful what you ask for you might get it! (the heat finally arrived this week with temperatures around 30C (which is a heatwave for most of us in BC – even though I grew up in Ontario).

We sold our shares in APPL, Apple (disclosure my wife owned this stock) but I am currently looking at MCD (McDonalds) for her TFSA (great dividend yield at 3.2% currently and the payout ratio from earnings is around 50% and I love the long-term growth prospects).

In 2012, 32% of McDonald’s revenue comes from North America, 40% comes from Europe, and 28% comes from elsewhere. I like that it is balanced (don’t rely too heavily on one region) and they are a global corporation. The company has increased annual dividends every year since the mid 1970s.

A major risk I see is legislation or political pressure. Many of the company’s food materials supplied by farmers are directly or indirectly federally subsidized. In addition, food items targeted for potentially contributing to national health problems could face taxes, bans. With McDonald’s visibility, they tend to face a considerable portion of criticism.

Jon the Saver @ Free Money Wisdom writes 6 Ways To Conquer Materialism – Here are six ways you can practically start conquering materialism. It’s not a disease you want to keep in your life, destroy it now!

MMD @ My Money Design writes Why Do Poor People Have Two or More Flat Screen TV’s? – Poor people in the U.S. own just as many flat screen TV’s as the middle and wealthy classes. This begs the question of whether social inequality is really as bad as it seems.

Don @ MoneySmartGuides writes Are Hybrid Cars Worth ThePrice? – With gas prices flirting with $4 per gallon, the media will do its best to make you think gas prices are going nowhere but up.

Ryan @ Early Retirement Investments writes DIY or Pay For Help? – It’s a fine line between DIY or paying someone to help. Read how I decided.

Aloysa @ My Broken Coin writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.

TRL @The Retired Landlord writes Do I need Landlord Insurance? – Do you need landlord insurance? Find out if it is necessary and what it covers that traditional home insurance wouldn’t cover.

Sustainable PF @ Sustainable Personal Finance writes Do It Yourself Green Projects – There are ton of do-it-yourself projects that you can do around your house to improve your energy efficiency, and help the environment.

Miss T. @ Prairie Eco Thrifter writes DIY Car Maintenance for Cash Savings – There are several easy tasks that you can do on your own to maintain your car. As mechanics can charge a pretty penny for their time, it’s sometimes beneficial to do the simpler tasks yourself.

Roger the Amateur Financier @ The Amateur Financier writes Some Advice On Studying – An article that focuses on some of the ways to increase your studying abilities and dobetter with your information retention.

Wayne @ Young Family Finance writes Cheap Entertainment Options: Zero Cost Fun – If this bad economy has ruined all of your fun, it might be time to consider cheap entertainment options.

YFS @ Your Finances Simplified writes I Almost Got Cheated Out of 650 Bucks – Updated – I received a phone call from my attorney today concerning the $650 dollars the prior owner of property 3 owed me.

Bridget @ Money After Graduation writes The 80/20 rule from another angle – I read most of the The 4-Hour Workweek. It was ok. Some chapters are really good but I found some of the author’s reasoning pretty whacky. But what do I know? He’s a millionaire and I’m not, so maybe I reallyshould outsource my laundry to a virtual assistant in India.

A Blinkin @ Funancials writes How Should Couples Merge Their Accounts? – Money is a touchy subject. A lot of people prefer not to talk about it. Why? Because most people don’t have as much of it as they lead on. If they are open about their finances then they will incidentally reveal their mistakes.

Jacob @ I Heart Budgets writes How To Save Money: Billing Mistakes (Part 3) – Do you find that your money is disapperaing too fast. You might be over-paying your bills. Check out how to save money by catching and correcting billing mistakes. Part 3 covers hotel charges and project materials invoices.

Amanda L Grossman @ Frugal Confessions writes Performing Budget Triage – If you are just beginning to budget you will quickly face something that the rest of budgeters have long been acquainted with: the unexpected monthly expenses

Daisy @ Add Vodka writes Saving on Road Trips – This past weekend, I went to visit my mom four hours away from where I live.

Shawanda @ You Have More Than You Think writes The Anti-Social Guide to Selling Your Stuff – Sometimes you just wanna sell your things with no hassle, no haggle, and little to no human interaction.

My Own Advisor @ M writes August 2012 Dividend Income Update – You might already be aware that business capital can be managed in many ways. As a shareholder, I’m glad some companies decide to pay dividends with their capital. Why? Well, I wouldn’t have close to $500 per month in dividend income if they didn’t! Read more in my latest monthly update.

krantcents @ KrantCents writes I Am Getting Younger – I am getting younger! My hair is still gray and chronologically I am still sixty-five (65) years old, but I feel much younger.

Corey @ Steadfast Finances writes The History of the Credit Card – Although it may seem almost impossible to live without one today, the creditcard is actually a relatively new creation. Just 70 short years ago there was no such thing and all transactions were done using cold, hard cash. Find out more about the history of the credit card.

Crystal @ Budgeting in the Fun Stuff writes Honey, How Can It Hurt Just To Take a Look? – Now is the time to look into buying a new house if it is something you are thinking about doing anytime in the next 5 years. The prices are low. Take a look.

Eddie @ Finance Fox writes Sometimes You Just Can’t Win, Even When Merchants Offer a Cash Discount! – Downside of paying with credit-cards for obvious reasons and double dipping that the banks and credit-card companies embrace, why don’t more retailers offer cash discounts?

Earth and Money @ Earth and Money writes How to Deal with a Bad Landlord – A bad landlord can turn a great living experience into a nightmare. Here are some strategies for dealing with bad landlords to save yourself some stress.

Echo @ Boomer & Echo writes How Much House Can I Afford? – There’s an important difference between how much house can I get approved for, and how much house can I afford? Here’s why:

Jeremy @ Modest Money writes Considering Switching Careers – People are now changing jobs more than ever. In addition to just shifts to different employers, people are also entirely switching careers more than in the past. Sohow does a person decide to switch careers?

Teacher Man @ My University Money writes Student Loans – Jackpot! (Kind Of) Part 1 of 3 – Part 1 of our student loan series. What are student loans and how do you know if you are qualified to get them? We’ll show you how.

Young @ Young And Thrifty writes Money As a Means of Keeping Score – What is the value of money after a billion dollars? What motivates you after you have enough money?

Kanwal @ Simply Investing writes Everything You Always Wanted To Know About Simply Investing But Were Afraid To Ask (13 Top Questions!) – 1. What exactly is the Simply Investing course? The Simply Investing course is an online video course created by me, to teach you how to invest successfully. I teach the principles of value investing with a focus on dividends. The same techniques used by successful investors like Warren Buffett, Benjamin Graham, David Dodd, and John Templeton.

Steven @Grocery Alerts writes Family of 5 with a $200-300/month grocery budget. How can it be done? – Here is how we managed having a grocery budget of $300/month or less each month for a family of 5. I wanted to share 10 ways how we did this and sharing how you can to!

Maria @ The Money Principle writes Self employed? Get professional indemnity insurance – Self employed people should take out professional indemnity insurance for peace of mind

John @ Married (with Debt) writes Five Tips for Landscaping on a Budget – You want to create a beautiful lawn and garden, but how can you maintain your landscaping on a budget? Designing and growing the perfect lawn takes patience, hard work and thrift.

Jen @ Master the Art of Saving writes Buying Our First House-Price & Other Costs – It’s time to dish about the financial side of buying our first house: asking price, offered price earnest money, home inspection, appraisal, flood plain survey.
Debt Guru @ Debt Free Blog writes Three Basic Rules of Paying Off Debt – Follow these three basic rules to help yourself get out of debt and live a better life.

Corey @ 20s Finances writes Five More Ways to Make Extra Money – Corey wrote about five great ways anyone can make extra money. I wanted to share five more ideas that I have used or friends of mine have used to make some extra cash. Each one of us used the extra money for different things: I used it to help me pay down my debt faster, while one of my friends used the money to max out his Roth IRA contributions each year.
CF @ The Outlier Model writes August garden update – Growing our own vegetables has really helped us cut back on the grocery budget. Check out how we’re doing!

13 thoughts on “Canadian Personal Finance Happy Hour – 10th edition – What to buy?”

  1. Thanks for the mention!
    Sounds like Ontario & BC changed spots – we’re getting the temperatures that you usually have around mid 20s, and you’re in a heatwave. Thanks again, I hope you had a great weekend!

  2. Thanks for including my post Steve. McDonalds is an interesting investment. They do have a long history of substantial success, but I do wonder how they will evolve with the increased awareness of health issues. I’m sure they could transition into a healthier menu easy enough, but I don’t see it being as profitable.

  3. Thanks for including my post! I own McDonalds stocks, but I bought when it was $97 per share. I need everyone to go buy some coffee and spicy chicken, and get that price back up! “)

  4. Bad renters are such a pain. Have you looked into the landlord protection agency? You really have to make sure you search for a rental credit report.

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