S nug and smug we Canadians are as we borrow and spend our way into the new year. But the dream is almost over.

T oday we are looking at the ability of natural resource companies to generate superior profits based on their return on capital. Matt Kacur, president of FSA Financial Science & Art Ltd., has developed and licenses software to undertake a quantitative analysis of cash flow to determine future profitability. The Return on Capital Report is done in conjunction with Haywood Securities Inc.

If you have watched any television, listened to the radio or read the newspaper lately, you have probably heard that thousands of people around the country have lost their homes due to foreclosure. Many more people are working through foreclosure of their homes and many more are likely to be next. If you are one of the multitude of individuals who may have a foreclosure near at hand, going through a foreclosure or do not want to ever come close to having a foreclosure on your home, you will be pleased to know that there are several measures you can take to prevent foreclosure

In good economic times and in tough economic times, if you want to make a major purchase such as a car, home or appliance, it’s essential to fix your credit report. There are a few different ways to go about this and new companies are popping up on a regular basis, offering to help the working man or woman clear up credit problems and clean up credit records.

A jumbo mortgage is a loan for an amount greater than normal loan limits. Limits on Jumbo mortgages are set by Fannie Mae and Freddie Mac and are changed every few months. These mortgages are called “Jumbo” because they are too large for these companies to purchase.