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  • News | Small Biz Advisor - Part 8
    BY Advisor ca Staff January 28 2016 Canada has had surprisingly low adoption rates for fintech offerings financial services products such Consumer spending up 5 49 in Q4 of last year BY Staff January 28 2016 Consumer spending in Canada grew by 5 49 in the fourth quarter of 2015 on a SMEs stable on investment front BDC study BY Staff January 28 2016 Despite a challenging economy nearly three in four Canadian small and mid sized enterprises SMEs intend More than 22 000 professionals worldwide pass CFA Level 1 BY Advisor ca Staff January 26 2016 Almost half 43 of the 52 315 candidates that took the CFA Level I exam in Mailing nicotine patches to smokers helps them quit BY Staff January 26 2016 Employers should take note mailing free nicotine patches to smokers without any behavioural support does Depression one of top reasons Canadians see physicians BY Staff January 26 2016 Depression is now equal to high blood pressure as a top reason Canadians see physicians Dismal start to 2016 signals more challenges ahead BY Janet Rabovsky BenefitsCanada com January 21 2016 The New Year is often greeted with enthusiasm and optimism Not so 2016 which appears

    Original URL path: http://www.smallbizadvisor.ca/news/page/8 (2016-04-26)
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  • More Canadians plan to invest internationally this year: CIBC | Small Biz Advisor
    31 last year Key poll findings include 41 of Canadians investing for retirement in stocks or mutual funds this year will invest mainly outside of Canada up from 31 per cent in a similar poll last year Of these 15 plan to add exposure to the U S 15 intend to invest in emerging markets and 11 are looking to invest in developed markets While it s natural for investors to have a home bias by overweighting your portfolio to domestic stocks taking a Canada only approach can hurt returns says Luc de la Durantaye Managing Director Asset Allocation and Currency Management CIBC Asset Management Canada accounts for only about three per cent of the world s market capitalization so diversifying geographically can strengthen your portfolio for the long term It significantly broadens your investment options and helps to mitigate risk Over the past 15 years four different equity markets around the world posted the best annual returns But Canada s benchmark S P TSX Composite Index didn t top the list once during that period Last year Japan s Nikkei was the top performer rising 9 2 while the U S Standard Poor s 500 Index ranked first in

    Original URL path: http://www.smallbizadvisor.ca/news/more-canadians-plan-to-invest-internationally-this-year-cibc-4198 (2016-04-26)
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  • Venture capital investment gained in 2015 | Small Biz Advisor
    all provinces in terms of venture capital investments accounting for 38 and 42 of deal numbers and disbursement respectively Quebec investment activity was up dramatically in 2015 increasing its national share of venture capital activity to approximately 31 In particular Health and Life Sciences activity drove growth in 2015 up 39 in deal volume and 35 in dollar terms compared to 2014 Venture capital investment is going through a much needed resurgence in Canada says Mike Woollatt CEO of the CVCA This is thanks in large part to government activity on the fund of funds side Meanwhile private equity saw a 19 increase in deal volume over 2014 with 399 deals in 2015 This was largely thanks to the 2014 Tim Horton s deal which represented 11 8 billion But overall deal values in 2015 were down from the 42 2 billion record in 2014 Despite this they still reached a historically high value of 22 8 billion Quebec also saw a substantial increase in private equity activity in 2015 with 5 4 billion invested over 151 deals Read the full PE report Impact of oil dip The impact of the low oil prices was felt in 2015 as the number of deals and the amount invested in oil and gas declined from 82 deals and 13 1 billion in 2014 to 48 deals across 8 6 billion in 2015 While oil and gas remains the highest in terms of amount invested it s now fourth in terms of volume after sectors such as industrials and mining Also data collected from a survey of CVCA members shows that the vast majority 67 agree depressed oil prices will worsen business outlooks for 2016 In terms of exits the IPO market for private equity remains slow representing only 2 5 billion over

    Original URL path: http://www.smallbizadvisor.ca/news/venture-capital-investment-gained-in-2015-4196 (2016-04-26)
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  • Wellness programs increase employee engagement: survey | Small Biz Advisor
    Humana and The Economist Intelligence Unit surveyed more than 200 U S based HR executives and managers as well as 500 full time employees who participate in workplace wellness programs It found 91 of employee respondents have improved their fitness while 89 said participation has improved their overall happiness and well being About seven in 10 companies in the U S have been broadly successful in establishing a culture of wellness and employee recognition of that effort is rewarding employers with increased productivity retention workplace engagement and improved morale said Beth Bierbower president of Humana s group segment The survey findings suggest that employers that tailor well designed wellness programs to specific employee needs and then make them easily accessible in terms of time and location achieve highest positive impact However the survey also found that 51 of employee respondents and 46 of employer respondents pointed to one major obstacle to greater participation in wellness programs lack of time Another pervasive threat to wellness and one that has not yet been adequately addressed is work related stress said Bierbower Over half of employees believe work related stress has taken a toll on their health More formalized stress management programs must

    Original URL path: http://www.smallbizadvisor.ca/news/wellness-programs-increase-employee-engagement-survey-4194 (2016-04-26)
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  • U.S. consumer prices flat in January | Small Biz Advisor
    months compared to a year ago when annual inflation was close to zero Consumer prices climbed at the fastest annual rate since October 2014 The combination of a strong dollar and cheaper oil has suppressed inflation across much of the economy Gasoline prices at the pump have dropped 24 over the past year to a national average of 1 72 a gallon At the same time economic growth struggles worldwide have pushed up the value of the dollar making foreign imports cheaper But the rate of gasoline prices declining slowed in January weakening its downward pull on inflation Core inflation which excludes volatile energy and food costs rose 0 3 in January Over the past 12 months core inflation has climbed 2 2 Housing expenses which account for a third of the consumer price index have risen 3 2 from a year ago Prices for medical care airfare clothing and autos also rose in January while food expenses were flat The Federal Reserve is closely following inflation looking for assurance that overall inflation will accelerate to 2 in its preferred measure That measure of personal consumption places less of an emphasis on housing It posted a modest annual increase of 0 6 Fed officials are increasingly unsure about the path of inflation after raising a key interest rate in December from a record low set in late 2008 The quarter point increase pushed the federal funds rate from near zero to a range of 0 25 to 0 5 Top Fed policymakers have greater concerns about threats to U S economic growth coming from lower oil prices and slowing growth in China and other emerging markets according to the minutes of their January meeting released Wednesday The officials say these uncertainties made it harder to forecast growth and inflation two

    Original URL path: http://www.smallbizadvisor.ca/news/u-s-consumer-prices-flat-in-january-4192 (2016-04-26)
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  • Why Canadian equities are due for a comeback | Small Biz Advisor
    price to earnings CAPE ratio This measure popularized by Nobel laureate Robert Shiller compares a stock s market price with its annualized earnings per share not just over the past four quarters but over the past 10 years Shiller theorized that it was a more accurate measure of relative valuation than one year trailing price to earnings The CAPE multiple for America s S P 500 is currently sitting around 22 3 which is well above its historical average of 16 4 In Canada The S P TSX composite index stands at 17 8 below its long term average of 19 3 Given their profitability through more than one business cycle and compared with U S issues in other words Canadian stocks are on sale 30 off On that basis German investment firm StarCapital AG forecasts returns of 6 2 a year in Canada over the next 15 years and just 3 6 in the U S Now consider the fact that the S P TSX Composite has underperformed its American counterpart for five years running That is the longest consecutive stretch of underperformance since 1970 The previous record was the four years from 1989 to 1992 If you believe the Canadian and American economies and capital markets are broadly similar just skewed toward different industries and sizes of enterprises and we do then it s high time for the pendulum to swing the other way and for capital invested in Canada to begin earning a higher return than in the U S That s the way free markets work Canada s long track record of market efficiency transparency the rule of law and consistent and predictable regulation that s similar to the U S gives us confidence that the market s valuation will indeed revert to the mean maybe

    Original URL path: http://www.smallbizadvisor.ca/news/why-canadian-equities-are-due-for-a-comeback-4178 (2016-04-26)
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  • Why the future of Canadian manufacturing remains uncertain | Small Biz Advisor
    document labelled secret was prepared for Bains as he took over the cabinet post in November It was obtained by The Canadian Press under the Access to Information Act The memo could help guide Bains s decisions and also influence the federal budget expected late next month The Liberal government has been exploring ways to respond to the economic shock of sliding commodity prices which have hit the economy hard particularly in the oil sector The slump forced the economy to contract over the first half of 2015 in large part because non energy sectors were very slow in picking up the slack Many experts had been expecting the exchange rate which has dropped along with oil prices to help revive exports and the manufacturing industry The authors of the briefing note place some of the blame for the lack of a bounce back on inadequate reinvestment Canada like other developed economies lost a large number of jobs companies and investment during the global recession they note Moving forward the document says the sector must deal with a global manufacturing environment that s rapidly changing due to technological advances poised to disrupt many of the sectors that anchor Canada s economy This represents both a threat to incumbent business models and an opportunity for those that are able to be on the leading edge of new technology Small and medium sized manufacturers have struggled to reach the scale of their international competitors preventing them from competing on the global stage it adds The news isn t all bad however The advisers say Canada packs the potential necessary to keep up with the changing industry thanks to a solid science base and highly educated workforce Canada s rich manufacturing heritage and established presence across the country is a strong foundation for

    Original URL path: http://www.smallbizadvisor.ca/news/why-the-future-of-canadian-manufacturing-remains-uncertain-4188 (2016-04-26)
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  • Yellen says pace of future rate hikes could be slowed | Small Biz Advisor
    House Financial Services Committee that it was possible that the recent economic weakness could prove temporary setting the stage for faster economic growth and a stronger increase in inflation than the Fed is currently forecasting Should that occur the Fed will be ready to hike rates more quickly than currently anticipated The actual path of the Fed s key interest rate will depend on what incoming data tell us about the economic outlook Yellen said In her most extensive comments on the situation in China Yellen said that various economic indicators do not suggest that the world s second largest economy was undergoing a sharp slowdown But she added that recent declines in the country s currency have intensified concerns about China s future economic prospects This uncertainty led to increased volatility in global financial markets and against the background of persistent weakness abroad exacerbated concerns about the outlook for global growth Yellen said Yellen noted that the sharp declines in U S stock prices rising interest rates for riskier borrowers and further strength in the dollar has translated into financial conditions that are less supportive of growth These developments if they prove persistent could weigh on the outlook for economic activity and the labour market although declines in longer term interest rates and oil prices could provide some offset she said Yellen said that the U S labour market remains solid creating 150 000 jobs in January That was enough to push the unemployment rate down to 4 9 Inflation however has continued to fall below the Fed s target of 2 annual price increases The shortfall has been steeper recently because of the renewed drop in oil prices and stronger dollar which holds down U S inflation by making foreign goods cheaper for American consumers But Yellen said

    Original URL path: http://www.smallbizadvisor.ca/news/yellen-says-pace-of-future-rate-hikes-could-be-slowed-4189 (2016-04-26)
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