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The dilemma for anybody who wants to sock away some money in an off-farm investment is finding a balance between safety and return. These days it’s tough, for returns on bonds are low single digits at best and returns on stocks are not likely to be much more than four per cent on a safe […] Read more

For fixed income investors, inflation or deflation is important. It makes a massive difference whether consumer prices will rise or decline. If they rise, then an income stream from a bond or from a preferred stock will lose purchasing power over time. If we have sporadic or even steady deflation, an income stream will gain […] Read more

A couple we’ll call Henry, who is 68, and his wife Julia, who is 66, are in transition from active farming to retirement. They farmed 720 acres in Manitoba for the last fifty years. Julia worked in off-farm businesses until she retired last year. Their farm, 720 acres with mixed grains and a few cows, […] Read more