Newsletter Issue No. 9

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Workshop at UBC: Ten Things you Need to Know about Investing

The past year’s market volatility has reinforced the importance of taking an informed and disciplined approach to investing. Many investors are wondering if they’re getting the objective financial advice they deserve—devoting a modest amount of time to keeping yourself informed will help you answer this question.

You can expect a dynamic discussion of ten significant investment terms and concepts that will allow you to better assess your options.

Plan to walk away from this workshop with an improved understanding of the best investment decisions for your particular situation. Perhaps any concerns you have will be alleviated or you’ll have identified weaknesses that require attention.

Workshop with Life Coach Margaret Page: Your Passions! Your Goals! Your Future!

• Do you have a sense of where you want to go, but don’t know how to get there? • Do you have the peace of mind and sense of direction that comes with a solid plan? • Are you living life on your terms? Back by popular demand! Life and Business Coach Margaret Page will be leading us through another fast-paced, interactive workshop on strategies and tools to turn your wishes into reality.

This dynamic workshop will be of interest to people who are thinking about what their next great accomplishment is going to be. It’s for people who want to create a better quality of life, boost their confidence, and gain clarity.

We’ll discuss simple strategies to set goals and achieve the things that you really want. We’ll bring a sense of fun, purpose, and inspiration back to goal setting!

Margaret Page is a Professional Life and Business Coach, who guides individuals along the path to success, providing the encouragement and support they need to reach their full potential and live a life less ordinary. For Margaret, it's about helping to clarify goals, create new possibilities, and turn dreams and aspirations into reality.

Workshop for Non-profit boards: Keys to Building a Better Investment Committee

• Is your board taking a healthy second look at the management of your organization’s investments? • Are you seeking professional development so you can more productively contribute to the boards you serve? Expect a lively workshop covering issues that are key to the success for any endowment or investment account, regardless of size and plan to walk away motivated and conscious of where to focus your energy to make significant improvements in your organization!

This workshop is appropriate for organizations revisiting their historical approach to investing with an eye to making changes based on current best practices.

It will also be beneficial for organizations taking their first steps towards formalizing their approach to managing their investment policies.

We’ll talk about the essential elements of an Investment Committee Terms of Reference, linking objectives of the Investment Policy Statement with spending policies, and touch on issues of responsible investing and mission-based investing.

This workshop is based on the customized sessions I do for individual boards, which have been well received.

I help not-for-profit investment committees articulate their purpose and implement investment strategies that are in line with the mission of the organization and enable them to meet their objectives.

I do this by working with investment committee members to help create a written Terms of Reference for the investment committee and written policies covering the rationale and purpose of investment decisions and spending policies.

I then research and propose the ideal investment portfolio that is in line with investing goals and anticipated spending.

IOrganizations have two basic models to choose between: (a) an annual fee for service based on a percentage of the funds invested, and (b) a fee paid for each transaction (purchase or sale).

Fees are fair and reasonable, and dependent on the type of investing activity. Organizations typically accumulate $25,000 before taking advantage of the services I offer.

I believe that my background ideally positions me for the work I do to help non-profits. As Past Chair of the Vancouver Park Board, Board Member of the Nature Trust of BC and Chair of their Fundraising Committee, Board Member of the Big Sisters of BC Lower Mainland, and past Executive Director of an environmental not-for-profit, I’ve gained an intimate understanding of the intricacies of board dynamics, fund raising challenges and the importance of good governance.

The 2009 Big Sisters Divas Gala is on Thursday, October 22, 2009 at the Pan Pacific Hotel. It’s a fabulous event that supports an incredible cause: providing mentorship and friendship to little girls in the lower mainland. I’m a board member of this organization and a Big Sister to fabulous little girl, an experience that has truly enriched my own life and I hope hers as well.

The 2009 Big Sisters Divas Gala is on Thursday, October 22, 2009 at the Pan Pacific Hotel.

It's a fabulous event that supports an incredible cause: providing mentorship and friendship to little girls in the lower mainland.

I'm a board member of this organization and a Big Sister to fabulous little girl, an experience that has truly enriched my own life and I hope hers as well.

Please consider supporting this wonderful cause.

More information about Big Sisters of BC Lower Mainland and about the Divas Gala.

FORWARD TO A FRIEND

This communication is intended only to convey information. It is not to be construed as an investment guide or as an offer or solicitation of an offer to buy or sell any of the securities mentioned in it. The author is an employee of ScotiaMcLeod, a division of Scotia Capital Inc. ("SCI"), but the data selection, analysis and views expressed herein are solely those of the author and not those of SCI. The author has taken all usual and reasonable precautions to determine that the information contained in this publication has been obtained from sources believed to be reliable and that the procedures used to summarize and analyze such information are based on approved practices and principles in the investment industry. However, the market forces underlying investment value are subject to sudden and dramatic changes and data availability varies from one moment to the next. Consequently, neither the author nor SCI can make any warranty as to the accuracy or completeness of information, analysis or views contained in this publication or their usefulness or suitability in any particular circumstance. You should not undertake any investment or portfolio assessment or other transaction on the basis of this publication, but should first consult your investment advisor, who can assess all relevant particulars of any proposed investment or transaction. SCI and the author accept no liability of whatsoever kind for any damages or losses incurred by you as a result of f reliance upon or use of this publication in contravention of this notice. TM Trademark used under authorization and control of The Bank of Nova Scotia. ScotiaMcLeod is a division of Scotia Capital Inc., Member CIPF.