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TriDelta Financial
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Email: tedr@tridelta.ca


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Dear reader,
As the year comes to an end, it is a time to celebrate - and not just to put the investment markets behind us. In this issue we look at our 2012 investment outlook, share news of TriDelta growth and achievements, and touch on the joys of the holidays.

I wish you a happy and healthy holiday and new year.

TriDelta Financial

TriDelta's 2012 investment outlook
As 2011 winds down, we have seen something that has been quite rare of late. 2011 marks just the second time in the past 10 years that the S&P 500 (US markets) will have outperformed the TSX (Toronto markets) in Canadian dollars. We believe that this is a significant shift for Canadian investors.
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Key Year End Financial Reminders
As the year winds down, there a few financial opportunities that wind up on December 31st. Here is a short list of the key items to remember:
  • Any charitable giving needs to be done by December 31st to use your credits for this tax year
  • RESP contributions - you can receive up to $500 per child in government grants if you invest $2,500 by December 31st
  • RDSP (Disability Savings) contributions - you can receive as much as $4,500 in some cases with a $1,500 contribution by December 31st
  • RSP withdrawals - sometimes we recommend drawing from RSPs if your income is fairly low for the year. You would want to do so by December 31st
TriDelta Grows Again
TriDelta has strengthened our investment team with the hiring of Cameron Winser and Edward Jong.

Cameron comes to TriDelta from Scotia Investment Management (Bank of Nova Scotia) where he was a Director of US Equities and Alternative Income Strategies (including Covered Call Options). Cameron has a CFA designation and is VP, Equities at TriDelta.
To read more click here.

Edward comes to TriDelta as VP, Fixed Income, after two decades of fixed income management. Much of his career was at Altamira, where Edward managed funds with over $2 billion of assets. Edward brings close relationships with senior people throughout the bond and preferred share trading desks at all of the major firms in Canada. These relationship will help to provide TriDelta with access to the best pricing and product availability.
To read more click here.
TriDelta's Heather Holjevac wins award from FPSC
Heather Holjevac is a Financial Planner in our Oakville office. This fall, Heather was a winner of the Financial Planning Week Challenge, as presented by the Financial Planning Standards Counsel.
Heather won for her volunteer work on financial education. Her goal is to improve financial literacy within the Arthritis Society and the community by focusing on the planning process, not products. Heather was also featured on the cover of the January 2012 edition of Investment Executive newspaper. This high profile publication is among the best read across Canada for investment industry professionals.
Travel - The underwater world of Fiji and Tonga
There are many wonders of the world to explore above ground, but with the improving underwater video, the wonder of the underwater world is more alive than ever. In this stunning video you will see some of the most amazing creatures and feel like you are swimming along with them. Enjoy.


Holidays and Alzheimer's
Holidays can be bittersweet for caregivers and family members of people with Alzheimer's disease or another form of dementia. While traditions may bring happiness and comfort, challenges associated with the disease can make this time of year feel overwhelming. You're not alone. The Alzheimer Society has some practical tips for making this season enjoyable for you, the person with dementia, and your family. This holiday season remember to find that all-important balance between rest and activity so that you can enjoy your traditions, start new ones or just take pleasure in being in the moment.

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TriDelta Holiday Quotes
In what has become a TriDelta tradition, here are a few quotes about family, friends and the holidays:

One of the most glorious messes in the world is the mess created in the living room on Christmas day. Don't clean it up too quickly.
~Andy Rooney

Christmas is the season for kindling the fire of hospitality in the hall, the genial flame of charity in the heart.
~Washington Irving

Most Texans think Hanukkah is some sort of duck call.
~Richard Lewis

A candle is a small thing. But one candle can light another. And see how its own light increases, as a candle gives its flame to the other. You are such a light.
~Moshe Davis and Victor Ratner

In the old days, it was not called the Holiday Season; the Christians called it 'Christmas' and went to church; the Jews called it 'Hanukka' and went to synagogue; the atheists went to parties and drank. People passing each other on the street would say 'Merry Christmas!' or 'Happy Hanukka!' or (to the atheists) 'Look out for the wall!'
~Dave Barry

"May you all have a holiday full of joy, and a new year ahead with great hopes fulfilled" - TriDelta
Ted's Movie review
Home Alone

Last year I had the pleasure of watching Home Alone with my kids. I have rarely heard them laugh that loud in their lives. There is something special about this story of an 8 year old who is accidentally left alone over the holidays, and has to defend his house from bumbling burglars.
While there isn't a show on the Family channel these days that doesn't show kids being smarter than adults, I think this movie features two of the most dim-witted adults in history in Joe Pesci and Daniel Stern. As the young Macaulay Culkin outsmarts them at every turn, you can watch your kids or grandkids (or great grandkids) laugh and cheer right alongside Culkin. This film is best enjoyed on a cold holiday afternoon when nobody bothers to change out of their pajamas.

By Ted Rechtshaffen President and CEO
Ted's Book review
The Hockey Sweater
By Roch Carrier

Given the holiday spirit I like to think about one of my favourite holiday themed books from when I was a kid. It might just be a great gift for a child or grandchild.
The book is "The Hockey Sweater" by Roch Carrier. It is a classic Canadian story about a young Montreal Canadiens fan who loves Maurice 'Rocket' Richard, who was mistakenly sent a Toronto Maple Leafs jersey from Eaton's. Unable to convince his mother to send it back, he has to face the wrath of his friends as he wears his Leafs sweater to the ice rink. I think many Leafs fans can relate to the shame and embarrassment. To order the book, click here.

By Ted Rechtshaffen President and CEO
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