By John Niekraszewicz
A few years ago I wrote an article in Signal giving you the heads up that Canadian investment companies were going to be required to annually disclose the amount of fees and commissions you paid to your dealer firm on your mutual funds. At the beginning of 2017, investors received these fee disclosure statements for the year 2016 showing both hidden and explicit fees. But many investors are not sure how to use or interpret this information. Am I paying too much? Am I paying too little? What am I paying for? The confusion exists because not all investments are required to disclose fees in a simple and transparent fashion. This disclosure is part of the Canadian Securities Administrators' Client Relationship Model known as CRM2 and only applies to mutual funds. It does not apply to banking products and insurance products.
Reprinted with kind permission from HearingHealthMatters.org.
Originally posted On February 7, 2017
By Barry Freeman, PhD
Hearing aids (instruments) are entering a new era of rechargeable hearing aid batteries where consumers no longer have to deal with the hassles of replacement disposable batteries. Just follow recent industry product announcements:
By Rob Malkin
Reprinted with permission from
The human ear is a miracle of mechanical evolution. It allows us to hear an astonishing range of sounds and to communicate and navigate in the world. It’s also easy to damage and difficult to repair. Hearing aids are still large, uncomfortable and as yet unable to deliver the rich and wonderful sounds we take for granted. Yet there may be a new way for us to replace damaged hearing from an unlikely source – the insect world.