What is Blockchain?

A Daring Innovation


The past year has been full of news about Bitcoin, other cryptocurrencies and the wider topic of blockchain technology – all very interesting innovations that are relatively new to many of us. While our investment strategy continues to focus on reliable, low-risk growth strategies, we are always eager to learn more about emerging trends in business and finance. Your health, wealth and happiness are enhanced by ongoing information, which we’re pleased to share as we come across a variety of exciting and fascinating topics. With that in mind, we’d like to share an overview of blockchain technology – a daring innovation that extends far beyond the world of cryptocurrency.

The basics

A blockchain is a single shared digital ledger that is incorruptible and cannot be altered. It records the history of transactions across multiple computers, eliminating the risk of conflict between separate, individual ledgers. All parties must give consensus before a transaction (a ‘block’) is added to the blockchain (a series of transactions), which prevents tampering and aids in transparency. Using a blockchain also eliminates the need for paper records, making it an environmentally-friendly technology. It is a distributed (vs centralized), permissioned, secured network of irreversible records that are accessible from anywhere in the world and operate in real-time. If you’re a visual learner, this infographic from IBM may help you understand the way a blockchain functions.

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Exercise for Ageing Muscles

New Research


Our team has long held the philosophy that health, wealth and happiness are intertwined. After all, what genuine benefit can be had from wealth without health and happiness to anchor one’s days? We like to think of this combination as the complete package; a package to provide security, peace of mind and a truly fulfilled life.  To that end, we found some fantastic research to share with you.

Living well

Healthy living is too often confused with dieting or other fads (particularly at this time of year, when talk of resolutions and fitness goals are at an all-time high). However, let’s view health for what it really is: taking care of body and mind over the long-term, so it can take care of you.  We all know what we’re supposed to be doing, like, eating and sleeping well, staying hydrated, managing stress, avoiding cigarettes, limiting alcohol, and staying active. Some people have always lived their life this way, while others start paying more attention with age. So, is it ever too late to add fitness to our lifestyle? Of course not…but it turns out some strategies are more effective than others…

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What’s in Store for Canada’s Legal Cannabis Market?

And How Will It Function?


Canada’s Federal Government intends to legalize the recreational use of cannabis by July 1, 2018, and the market is expected to have a significant impact from coast to coast. A recent study by Deloitte, Recretional Cannabis – Insights and Opportunities, found initial cannabis sales could reach $5 billion and potentially rise to $8.7 billion.

Sales are just a fraction of the market’s potential worth. According to a recent report by Bloomberg, the market cap of just one cannabis company, Canopy Growth Corp., has already exceeded $3 billion. The same Deloitte study found the potential upside to a legalized recreational cannabis market – including things such as tourism and license fees – could be greater than $22.6 billion.

But what’s in store for Canada’s legal cannabis market and how will it function?

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Majority of Small Business Owners Nearing Retirement


As small business owners retire, the effects will be felt in communities across Canada, impacting their families, society, and the economy.

According to the latest analysis by Barlow Research, the average small business owner is just over 60 years of age, and almost 40 per cent are 65 years or older – a percentage that increased 19 per cent in just the past year.

Barlow Research also indicates more than a third of small business owners say they will transition ownership of their business within the next five years. Although most intend to close, liquidate or sell their business to an outside party, those approaching retirement would much rather transfer ownership of their business to a family member.

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