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so what stock is better manual life or.son life we will see.so I owned manual life I owned one.hundred and forty nine shares I'm.looking to invest more money into.insurance because we're all those.categories where I don't own a lot of.stock in and then on March 23rd I.thought it was a time to strike and I.bought I got up to 149 shares at this.point so dividend wise and I care about.the dividend I'll be I'll be upfront.dividends are huge to me as well as.getting into different asset classes.that are not usually in so I'm more.protected in the market so on the year.Manulife will pay me 100 666 dollars and.eighty-eight cents and if you divide.that by twelve that's thirteen dollars.and ninety cents per month Manulife pays.me know again they pay quarterly but if.they did pay monthly it would be 13 90.ivan asked myself did I make the right.decision because we also have Sun Life.Financial here in Canada as well as.Manulife now there's other ones as well.that I haven't really looked into too.much and it probably should but for now.the two big ones that I see are Sun Life.and manual life how do they compare how.do they compare dividend wise let's have.a look let's just go to their website.first of all so we'll go to manual life.now what do they do.I've clicked products and Canada now.again both of these companies have a.have money coming in from Asia as well.they've got clients they're been doing.very well overseas they also operate in.the United States and Canada and it.looks like all over the world so they.are both growing companies but let's.investigate.so as far as products let's go so we.have insurance it's not what we have in.life but who we have that matters I.agree so it looks like they have health.let's click that so they have health and.dental insurance disability insurance.critical illness insurance so there's.something called a menu like synergy.which is a three-in-one life disability.and critical illness protection others.the health and dental disability.insurance long term care insurance.critical illness insurance like ice.we have term life insurance permanent.life insurance and the synergy thing.cover me family life business term.travel insurance so we have traveling.Canadians students and visitors to.Canada so lots of great products here so.it looks like they have some type of.investment plans like financial advisors.probably mutual funds and let's go to.banking I didn't know you could do.Banking with Manulife but now I do so.they have a high interest savings.account which doesn't look that high at.0.3% we have fixed mortgage rates at.three point four four percent and GICs.at two percent we've got our RSP loans.investment loans and line of credit you.can apply for a hundred up to a hundred.thousand in a line of credit which would.be nice set it up once then borrow what.you need and pay back what you want I.wonder what the the percentage is what.the interest is on that which type of.mortgage is right for you I'm buying a.home I want to switch or refinance my.house is paid I didn't know you could.get aim Manulife well I guess it's.through visa so we've hit the manual.life money plus Visa Infinite card we've.hit the Manulife money plus visa.platinum card we've got okay tax-free.savings account we have your RRSP.through them and registered retirement.income fund through them all right now.let's go over to Sun Life to their.website and have a look alright so let's.look into their products okay here we go.exploring products we have health.insurance personal health insurance.critical illness insurance long-term.care insurance disability insurance we.have life insurance.overview term life insurance permanent.life insurance participating life.insurance and universal life insurance.we also have travel insurance mortgage.protection insurance Family Insurance.workplace benefits affinity markets.business owner insurance they have.saving plans just like manual life RRSPs.TFSAs and re ESPYs RESP ECT fun and what.it means to me sock it to me sock it to.me second to my second team okay GI C's.and insurance GICs mutual funds.segregated funds workplace in.investments brokerage service.so basically there's the same now I have.two friends one is a financial adviser.very very smart man who loves manual.life I have a friend who works at Sun.Life and he's highly trusted a great.friend and he works there and raves.about Sun Life so I see both sides of it.so now as a dividend investor you know.which is the best one to buy now here's.the thing so during the 2008-2009.financial crisis Manulife cut their.dividend in half I did not know that.when I bought that's a little.frightening especially now when we have.like the fastest stock market crash in.history.what's Manulife gonna do are they going.to cut my $13.90 per month in half I.don't like that now Sun Life didn't okay.so anyway so let's look at the manual.life cut the thing that I am scared of.so we're gonna go down we're gonna.scroll down to 2000 right here 2009 and.q1 they cut the dividend from 26 cents a.share now this is probably quarterly yes.that would be quarterly because now.they're up to like their back up there.right so let's look at that 2009 q1 so.26 cents cut to 13% they cut it by 50%.right there how long did it take them to.get it back up to 26 cents so if you.keep scrolling through here 2012 2013.2017 finally this quarter.sorry last quarter last year q4 they.finally got past 26 cents so it took.them 10 years to get it back up to where.it was so it's a slow growth dividend.for sure so it was at 13 for a long time.for five years it stayed at 13 cents per.quarter I don't like that that's not a.good history now it could be a different.company now I know they've grown are.they gonna do the same thing are they.gonna is that in their culture to cut.dividends now if we look at sunlight.let's go to the same period 2009 2008 so.it was at 34 cents in 2007 2008 it was.36 cents 2009 36 cents now they were.raising it but they didn't cut it that's.what we're we're scared of as dividend.investors 36 cents well they didn't they.kept it at 36 cents until when until.2015 right so about six years after they.started to boost it up and now it's up.to 55 cents okay so I found out that I.was on the wrong sonlife thing on Yahoo.Finance whoops okay anyways I have it.proper here it's SL left dot t-- o--.because the dividend history didn't add.up.where they're paying 55 cents per.quarter so they paid two dollars and 20.cents a year so right now the dividends.at five percent they were they at $65 On.February 20th so 65 65 so it looks like.they're about 30 percent from their.highs let's go to Manulife now this is.the right one okay so let's go so on.let's go to February 20th.that's roughly when things went to.things became dire let's go to what.price do we got 26:59 yeah so they're.down 35 percent and son life's down 30.percent I could be wrong correct me if.my math wrong there but it looks like.manual life's been hit more than sonlife.now is that because people fear that.they're gonna cut the dividend like they.did last time maybe I don't know see.they could still be getting punished.I believe Sun Life is at a premium as.far as like price-to-book in earnings.and everything I think the value play is.in manual life but it's that cutting of.the dividend back in 2009 which I think.still hurts but and the fact that they.haven't really grown their dividend that.much well right now you're getting a six.point eight eight percent dividend on.manual life and you're getting a five.percent dividend on son life son life is.probably a less riskier play because.they haven't cut they don't have a.history of cutting their dividend so.which one which ones do you guys think.is the better Buy it's risk versus.reward always right so I don't know.they're both seem like they're competent.insurance companies and.I may pick one of those to get insurance.very soon so I'll be digging deep end.into the both companies as well as.looking at competitors so I don't know.which one as companies I think they're.both great companies and there's also.other companies out there what do you.guys recommend if you live in Canada or.even the states I'd like to invest in.American insurance companies as well.which insurance company do you recommend.who are you using do you guys own either.of these stocks that I've talked about.today.I already own some Manulife maybe it's.safe to buy sonlife to have both.competitors so anyways guys what do you.guys think of my research what do you.recommend please like and comment below.and I will talk to you guys later.Cheers bye.[Music].

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Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?

You Don't Get The Premium Channels Because they are not the children of the School nor of the State, they are citizens. While it is necessary, it is not done because YOUR family should do this for you, should be making an effort to understand how. The assumption that school is to teach a person about the immensity of life is ridiculous and one of the ways that society leans on school (government) rather than self-empowerment. You get what you pay for. If school is a free public service than you can’t have the premium channels. Now that omission might screw up the usage of those skills but schoo Continue Reading

How close the biggest ever caught GRB would have to be to Earth in order to 1) wipe life out or, 2) be as bright as the sun on the sky or 3) cause sensible other effects?

I believe you mean "Gamma-Ray Burst" by "GRB." Since nobody has answered yet, I'll throw out my amateur astronomer's opinion. I learned that GRB's are like laser-beams of intense energy that shoot out of both poles of a pulsar or quasar; over millions of light years their power does not diminish. In other words, distance really doesn't matter! So, anywhere in our own stellar neighborhood. Say, one-quarter of the Milky Way with us at the "center" of the arc. If it was on the other side of galactic center, or near it, most likely the energy would be dispersed by *something* inbetween.... As I understand it (and I ask to be corrected if I am not!) we've just been lucky enough not to have a quasar/pulsar oriented pole-on towards us in the four billion years the sun has been around.

How good is the Aditya Birla sun life balanced 95 mutual fund for long term investment (10 years or more)? I am new in this topic, so advice would be great to clear out the confusion among various other funds.

Truth of mutual funds abv . The same is taken from book written by benjamin graham one of the investing legends and from his book the imtelligent investor. 1)Check mf expense, 2)then its riskiness, 3)then fund manager reputation, 4)then past performance Genrally people do the same in reverse oder . Do ir own reserch on abv rules and u will get ur answers.

Why do Martian explorations outnumber Venusian explorations? Venus is cheaper, more Earth-like, it has a higher chance of life and access to more solar energy.

Let's examine your statements one by one. Why do Martian explorations outnumber Venusian explorations? There have been no explorations of either Mars or Venus. There have been investigations of Mars and Venus by robotic orbiters and landers. Maybe you'll think I'm being pedantic, but, to my mind, the term exploration means, as the saying goes, "boots on the ground". Data collection by automatic machinery does not count as true exploration. Venus is cheaper . . . In what way? Just in terms of the energy necessary to make the trip, Venus costs more than does Mars. A way of measuring this is by calculatio Continue Reading

Which master degree is most valuable in Canada?

The only useless degree is one that was granted without earning it—that is, where the student did little or cheated and was passed through. The problem many people are having in this thread is that they are looking at the content of the degree and not the process. I don’t think my English degrees are useless, as they are the explicit qualifications for my present job, but I understand that many people (including my, uh, parents) wonder what on earth being able to interpret Beowulf has to do with work skills. When we talk about English Lit, or some of the often-mocked majors such as Art History, Continue Reading

What type of government are there?

In my reading of Aristotle’s, Politics (350 BC) — very briefly — There are three types of Good Government, and three types of Bad Government. They appear as “good twin” and “bad twin” as follows: Benevolent Monarchy (good)………………………Tyrannical Monarchy (bad) Benevolent Aristocracy (good)……………………..Oligarchy (bad) Constitutional Republic (good)……..……..……..”Mob rule” Democracy (bad) “Mob rule” for Aristotle was the worst. It begins as a Utopia of having no Laws, no Government at all — an imaginary dream world. Yet instantly a Mafia thug takes over as “ruler of the month” until he is killed and replaced Continue Reading

Do Canadians support the monarchy?

Because most Canadians do not care that the Queen is the head of state in our constitutional monarchy. We don’t really care, it would take too much effort to change to a republic. As republics go, we look south to the US and Mexico and say our little constitutional monarchy ain't so bad. We like the fact that the Queen wears Barbour and a head scarf which resembles a babuska and gives comforts to people of Ukrainian descent like me. She is kind of like my Baba was, except she speaks English. We like the Queen because she is on our money and our money would look funny without her. It will be strang Continue Reading

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