21 Water St. West, Suite 1
Cornwall, Ontario
(613) 932-7526
Ming & Associates - Independent Financial Consultants
Independent Thinking Working For You

New Years Resolution Psychology

Research has shown that about half of all adults make New Year’s resolutions. However, according to Mark Griffiths, Director of the International Gaming Research Unit and Professor of Behavioural Addiction at Nottingham Trent University, fewer than 10% manage to keep them for more than a few months. In a recent article he suggests that based on […]

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The Gift of Education through RESPs

A new Ipsos-Reid survey indicates that while 97% of parents surveyed want their children to further their education, only 49% of them actually have a Registered Education Plan in place. While it may not cover a child’s entire College or University stint, if set up at an early age, it can take off much of […]

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Creating a Retirement Income Plan

For those of us who will need to live off the assets we have accumulated over our working years, one of the most important milestones occurs when we start converting our savings into income. In our view, for most people this is the most important crossroad in their financial lives and one that needs careful […]

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Reviewing your Portfolio too often is not good for you OR your portfolio

I recently read Richard Thaler’s book called “Misbehaving” which reviews the history and studies done within the field of Behaviourial Economics – how human behaviour (regarding financial decisions) affects people and the economy.  Richard coined a phrase called “myopic loss aversion” which suggests that the more we look at our portfolio, the more we are […]

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Bank Employees Under Pressure: Sales vs. Service?

Do sales goals get in the way of a financial institution’s promise to put clients’ interest first?  Can banks and credit unions align their priorities and interest with that of the consumers? Twisted Priorities The banking industry has been shaken up in recent months by scandal and controversy.   The recent spotlight was triggered by television […]

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