Is Your Property Deed in the United States Worthless?

In the United States today, people think they own the land their house is built on, but unless they have the “Land Patent” on the land they in fact don’t own it. A “Land Patent” is the only form of perfect title available in the United States. A “Warranty Deed” is simply a “Colour of Title”, meaning that which is an appearance of title, but not title in fact or in law.

When an American receives a “Land Patent”, it is assigned by and under the hand and seal of the President of the United States in accord with an Act of Congress.

The majority of Americans invest in “Real Estate” by contract and once they fulfill the terms of the contract control over that land is transferred by “Warranty Deed”. An important difference between the two is that land cannot be taken for debt or taxes, but Real Estate can be.

“Land” is not restricted to the earth’s surface, but extends below and above the surface. “Land” is not confined to solids, but may encompass within its bounds, such things as gasses and liquids. An owner of “Land” may remove part or all of that physical matter it contains, by digging it up and carrying away the soil, but the space that remains is still considered part of the “Land”. By this description, “Land” is simply an area of three dimensional space and all its contents, with its position defined by natural or imaginary points located by reference to the earth’s surface. “Land” is immovable, indestructible and distinct from any moveable chattels.

“Real Estate” is simply a document that lays over the Land in colour of title, even though it is not the Land itself but the right to real property that sits on the Land (such as a house). Non-human entities, such as trusts and corporations cannot obtain “Land Patents” except by an express Act of Congress, such as was the case with railroad grants made to encourage building of the railroad. Therefore corporations such as Banks, like “Real Estate” because they can own it without an Act of Congress. In addition, these entities and others can use the appearance of title to seize property under the colour of law.

In a challenge, the “Warranty Deed” cannot stand against the “Land Patent”. The “Land Patent” is permanent and cannot be changed by the government after its issuance. In the history of the United States no “Land Patent” has ever lost an appellate review in the courts.

Colours of title have been taken into courts for so long that the people through three generations of deception and ignorance have allowed them to go ahead. “Land Patents” have been so forgotten that if you go into a court today with a real “Land Patent” case, chances are the judge and attorneys involved won’t know what about “Land Patents”.

All this basically means that if you ever have to defend your right to your land in court and someone else presents a proof of right to the patent on your land, you will lose your land.

If you don’t have the “Land Patent” for your “Land”, you may be abandoning your right to your land and any prior owner with a lawful right to the “Land Patent” could secure it for themselves and evict you off the and you thought was yours.

Canadians Plan to Retire at 63 on Average

Canadians Plan to Retire at 63 on Average – The title of the feed item

According to a recent CIBC poll conducted by Harris/Decima, the average Canadian plans to retire at 63. The poll also shows that as Canadians draw closer to retirement they become less optimistic about achieving their savings goals and believe it more likely they’ll carry some debt into retirement.

As much as 22% of Canadians expect to carry debt into their retirement. But, from past CIBC research the numbers show that 54% of retired Canadians hold some form of debt.

CIBC is using this research to persuade Canadians to save more for their retirement as shown by a statement by Christina Kramer, Executive Vice-President, Retail Distribution and Channel Strategy, CIBC:

“Our CIBC Poll shows that Canadians set out with a vision of building up their savings and eliminating debt to retire at a time of their choosing, but with each passing year they feel less optimistic about their plans,” …”These findings demonstrate the importance of having a plan in place and making progress towards your goals every year, to give you the flexibility to make choices about when and how you retire.”

Although past CIBC polls show that Canadians believe they will be debt free by age 55, many don’t achieve this target. If debt is carried closer to person’s target retirement age of 63, it will restrict the cash flow available for savings and will likely lead to Canadians missing the savings goals they have set for themselves.

“Your finances are all connected, meaning the more effective you are at debt management, the more funds you have available to accelerate savings for retirement,” commented Ms. Kramer. “Sitting down with an advisor to map out a strategy that addresses both your savings and debt management plans is an integral step to achieving your long term savings goals and enjoying the retirement you want.”


Average age at which Canadians expect to retire:

National Average – Age 63
Atlantic Canada – Age 62
Quebec – Age 62
Ontario – Age 63
Manitoba/Saskatchewan – Age 63
Alberta – Age 62
BC – Age 64

Percentage of Canadians, by age, who believe the main reason they will retire is that they will have saved enough money to do so:

Age 18-24 – 50 per cent
Age 25-34 – 43 per cent
Age 35-44 – 37 per cent
Age 45-54 – 35 per cent
Age 55-64 – 21 per cent

Percentage of Canadians by age who expect to carry some debt into their eventual retirement:

Age 18-24 – 13 per cent
Age 25-34 – 15 per cent
Age 35-44 – 24 per cent
Age 45-54 – 26 per cent
Age 55-64 – 31 per cent

Each week, Harris/Decima interviews just over 1000 Canadians through teleVox, the company’s national telephone omnibus survey. These data were gathered in a sample of 1,116 employed Canadians and 683 retired Canadians betweenSeptember 8th and 19th, 2011. A sample of this size has a margin of error of +/-2.9% and 3.7% respectively, 19 times out of 20.

CIBC (CM: TSX;NYSE) is a leading North American financial institution with nearly 11 million personal banking and business clients. CIBC offers a full range of products and services through its comprehensive electronic banking network, branches and offices across Canada, and has offices in the United States and around the world. You can find other news releases and information about CIBC in our Press Centre on our corporate website at – The link to the feed item

Mcafee Facing Class Action Suit Over Tricking Customers Into Monthly Payments

What happens if the company you hire to protect you against fraud and information theft is the one that helps deceive you?

McAfee is one of the two computer security companies that dominate the marketplace. The other computer security company is Norton.  The vast majority of business and personal computers have either McAfee or Norton software installed, which they expect will protect them against viruses and malicious software that can steal personal information and even financial information. The fear is for identity theft and financial theft.

On the McAfee corporate website, in the ‘About Us’ section is written:  “McAfee lives for the challenge of protecting and liberating our customers by staying ahead of the bad guys in our relentless search for safe.”

Hence the irony in McAfee being sued for using deceptive pop-up ads, one of the very threats thatMcAfee software is supposed to eliminate. The class action lawsuit charges that McAfee is tricking customers into buying third-party services through a deceptive pop-up advertisement.  The pop-up display, which looks like the rest of the McAfee website, appears after downloading McAfee software from McAfee’s website. The pop-up even thanks customers for their purchase and asks them to click a ‘Try it Now’ button which guides them to unknowingly enrol in a subscription-based service offered byArpu, Inc., a third party.

The degree to which McAfee either designed the process or allowed the process to integrate with its customer experience in itself seems to indicate that they intentionally meant to deceive consumers.  I had the opportunity to discuss one of these incidences with Dina, a MetroActive member. Dina had noticed a $4 a month fee appearing on her credit card statement with the reference “TB perfectspeed202-446-1821 DC”. When Dina googled the telephone number she traced it to a Arpu, Inc. and in the process also noticed many online posts by others who were deceived in the same way.

On April 6, 2010 a class action lawsuit was filed in the United States District Court, Northern District of California.

The accusation made in the lawsuit is that McAfee disguises the purchase as just another step in the process of downloading the McAfee software. It points out that customers are unaware that they have just transmitted their credit card or debit card information to a third party, Arpu Inc. The information transmitted is the very information they trusted with McAfee. The customers are unaware that they signed up for a service that charges an automatic renewal fee. Furthermore, that fee is hard to detect on billing statements.  In addition, in the lawsuit it is claimed that details about the terms of service are purposefully hidden in hard to read print and that customers are not able to cancel their service by calling Arpu, Inc.

If I didn’t personally know Dina, the MetroActive member who is one of the individuals that is a victim to this scheme, I would have a tough time believing it.  What makes the claims more credible is that Dina is a research doctor with many years of Canadian university education and has been published in several medical journals for her ground breaking research. If she can be deceived by this, then I figure most people can be deceived.

After this, how can we trust that McAfee won’t do something else with our information that we don’t expect?

This is the sort of corporate behaviour that motivated me to write “The Banker Who Saved His Soul”. The book addresses these sorts of situations, their impact on individuals and our society and how to deal with them effectively.

Canadian Western Bank Senior Debt Rating is A(low)

Canadian Western Bank Senior Debt Rating is A(low) – The title of the feed item

According to the Dominion Bond Rating Service (DBRS) based in Toronto, Canada, yesterday it has confirmed the Deposits & Senior Debt rating of Canadian Western Bank (CWB) at A (low) and its Subordinated Debt rating at BBB (high) with all trends remaining Stable.  DBRS also recognizes CWB’s long history of low write-off rates and its use of “relationship-based lending” (a key principle well depicted in “The Banker Who Saved  His Soul”.

From the CBRS website –

CWB’s most important strengths are its strong asset quality as evidenced by its very long history of low write-off rates, its proven niche strategy using relationship-based lending, its low-cost base (partially due to its business mix) and its strong internal capital generation characteristics. Funding diversification has improved over the past several years. 

Challenges include concentration in the loan book, both geographically (Alberta and British Columbia) and by industry (commercial, construction and real estate lending), although the secured nature of the loan book and the low write-off rates suggest this issue has been well managed throughout the Bank’s history.

CWB recently reported earnings of $133 million (a return on equity of 15.7%) for the nine months ended July 31, 2011, a 15% increase over adjusted earnings for the similar period in 2010, when it reported an adjusted profit of $116 million. The earnings increase was in part due to higher net interest income and the acquisition of National Leasing Group Inc. (NL) in Q2 2010. Both periods included significant gains on securities, which are not expected to recur. The most recent quarter was CWB’s 93rd consecutive profitable quarter (more than 23 years). Loan loss provisions relative to average loans were 20 basis points (bps) annualized in the first three quarters of 2011, down a little from 21 bps for full-year 2010. Gross non-performing loans as a percentage of gross loans have improved over the course of the year relative to both the loan book and to common equity and reserves. Liquidity levels were temporarily below targeted levels at the end of Q3 2011, but they have since recovered. 

Under DBRS’s global rating methodology for banks, Canadian Western Bank’s long-term Deposits & Senior Debt rating has an intrinsic assessment of A (low) and a support assessment of SA3. The SA3 rating, which reflects the expectation of no timely external support, results in the final rating being equivalent to the intrinsic assessment.


Issuer Debt Rated Rating Action Rating Trend Notes Published
Canadian Western Bank Deposits & Senior Debt Confirmed A (low) Stb Oct 28, 2011
Canadian Western Bank Subordinated Debt Confirmed BBB (high) Stb Oct 28, 2011 – The link to the feed item

CIBC Faces Class Action Suit Regarding Mortgage Prepayment Penalty

CIBC Faces Class Action Suit Regarding Mortgage Prepayment Penalty – The title of the feed item

According to the Siskends LLP website, a class action was commenced in October 2011 against CIBC Mortgages Inc. regarding its practices for calculating prepayment penalties on mortgages entered into across Canada since 2005.

The Statement of Claim alleges that CIBC applied terms and conditions to certain mortgage contracts to allow it unfettered discretion for calculation of mortgage prepayment penalties. It if further alleged that the quantification of prepayment penalties applied by CIBC are in breach of the mortgage contracts.

The action applies to CIBC mortgages as well mortgages through related entities such as Firstline Mortgages and President’s Choice Financial.

Read the press release


Read the Issues Statement of Claim – Ontario

For further information concerning this action, please contact Ruth Noble at 1-800-461-6166 ext. 2381. – The link to the feed item

How to Change Your Life by Holding Yourself Accountable

The greatest reason why people fail at their goals or are not living the life they desire is because they make the wrong commitments and then break those commitments.

Every time you break a commitment that you care about keeping, hold yourself accountable to a really painful consequence. The consequence should be something that makes you go ‘”ouch”, not necessarily in a physical way. It could be that you call all of your close friends and tell them that you broke a commitment, or a 2 minute really cold shower that increases by 30 seconds every time you break a commitment, or donating $50 to your favourite charity every time you break a commitment.

The point is if you want to keep your word, you just do. Remember that no matter what you think you may have, all you really have is your word. Possessions come and go, even family and friends may come and go, but your word is yours to own. You don’t really own all those other things. What you do own is your honour, nobody can take that away from you, and nobody can give it to you. And it starts with being true to your word.

When your word and your actions are in sync, that’s known as being in integrity. Persons of integrity have honour. We trust them and we know we can count on a person of honour. If a person of honour gives their word, I can consider it done. It’s a pretty powerful tool.

The important element in all of this is not to lie to yourself. The only lie that can really hurt you is the lie you buy into. If you are lying to yourself that something is important to you when it isn’t, no amount of consequence is going to help you keep your commitment to it. You’ll just develop resentment toward whomever or whatever is holding you accountable for that commitment.

The person you’ve always wanted to be probably doesn’t commit to things he doesn’t believe in, but the person your mom wants you to be, or the person your life partner wants you to be, or the person your friends want you to be might. It’s not always easy to tell, until we’ve learned to truly trust our instincts.

Once you’re clear about what you’re committed to, you just have to surrender to it. And that means that there just isn’t any room for lies or distractions, you’ve better things to do than spend time arguing with yourself. That’s why when a person breaks a commitment it’s always flipping a bird at someone or something. Find out where the flipping of the bird is directed to so that you can clean up whatever needs to be addressed. Until you do, the consequences will continue to show up in other areas of your commitments.

After breaking a commitment you must do something to restore your honour, so that those individuals around you can trust you again.

Everyone is allowed to mess up, we’re human. It’s what we do once we see that we’ve been breaking a commitment that decides our standing among those around us. An honourable person will bring the consequences breaking his commitments back on himself and makes sure that no person is paying his way. It is through this willingness to own the consequences of one’s actions that shows others that person is sincere, and therefore again worthy of their trust.

So, decide what you’re committed to, commit to it, and then don’t allow yourself to fail.

Scotiabank Commodity Price Index Down in September for Second Consecutive

Scotiabank Commodity Price Index Down in September for Second Consecutive – The title of the feed item

Scotiabank Commodity Price Index Declines for Second Consecutive Month in September

  • WTI no longer a true benchmark for Alberta light synthetic crude oil.
  • Copper prices rebound from an over-sold position in early October.  Inventories are modest in China. 

TORONTO, Oct. 28, 2011 /CNW/ – Scotiabank’s Commodity Price Index, which measures price trends in 32 of Canada’s major exports, fell by 1.1 per cent month over month (m/m) in September, the second consecutive monthly decline. The All Items Index has retreated by 6.2 per cent from the near-term high last April, just prior to the advent of financial market concern over sovereign-debt challenges in the Eurozone.

“The commodity price correction has been mild compared with the 40 per cent plunge in the second half of 2008,” said Patricia Mohr, Vice-President, Economics and Commodity Market Specialist at Scotiabank. “While exchange-traded commodity prices declined sharply in early October, prices for oil, copper and the grains have rallied back in recent weeks on optimism that measures would be implemented to shore up the Eurozone financial system and bolster liquidity, culminating in a broad agreement on October 27.”

Nevertheless, a number of commodities not traded on exchanges (e.g. coking coal and iron ore) will likely be adjusted down in October, when quarterly contract prices are re-negotiated – dampened by uncertainty over global economic conditions and somewhat slower growth in China. The contract price for Western Canada’s premium-grade hard coking coal will decline from US$315 per tonne (FOB Vancouver) to a still lucrative US$285 in October. While prices may recede further in early 2012, the medium-term outlook for premium-grade hard coking coal remains favourable. Only 35 per cent of China’s domestic coal reserves are premium grade, while China requires 50 per cent for use in its larger blast furnaces.

The Oil and Gas Index inched ahead in September (+0.7 per cent m/m). The gain reflected a surprising increase for both light crude oil in Edmonton and Hardisty Heavy crude in Alberta – the two prices used in the Scotiabank Commodity Price Index — despite a slight decline in WTI oil.

“The price of WTI oil at Cushing, Oklahoma, the pricing point for the NYMEX contract, is no longer as relevant a marker as it once was for light synthetic crude oil from the Alberta oil sands,” noted Ms. Mohr.

WTI oil prices edged down from US$86.34 per barrel in August to US$85.58 in September. Oil prices are particularly sensitive to sentiment on the global economic outlook, falling as low as US$75.67 on October 4, before rebounding strongly to US$93 on October 27 on news of the Eurozone plan and a pick-up in U.S. third-quarter GDP growth (+ 2.5 per cent from a mere 1.3 per cent in the second quarter). However, WTI oil prices continue to trade at a wide US$20 discount to Brent — a better benchmark of world oil prices. WTI prices at Cushing, Oklahoma have been dampened by rising volumes of crude oil from the Alberta oil sands and the U.S. Mid-continent to Cushing in the face of onward pipeline constraints to refining centres in the U.S. Gulf Coast.

In contrast, the price of light synthetic crude oil (SCO) from Alberta (upgraded bitumen) has averaged US$103 per barrel in 2011 YTD – a US$9 premium over WTI oil. While this partly reflects upgrader outages in the Alberta oil sands, it also reflects a trend towards pricing SCO off its cracking parity with competing, higher-priced crude oil (such as Light Louisiana Sweet) in U.S. Midwest refining centres.

In September, the Metal and Mineral sub-component lost significant ground (-2.5 per cent m/m). Widespread declines in base metals and lower silver prices more than offset flat potash prices and gains in gold, sulphur, uranium and cobalt (a steel alloying agent).  LME prices for copper – the bellwether for base metals – dropped from US$4.10 per pound in August to US$3.77 in September and a low of US$3.08 in early October, before surging back to US$3.65 on the 27th.  Prices remain exceptionally profitable, yielding a 60 per cent profit margin over average world break-even costs including depreciation.

“Copper prices were over-sold in early October, given prospects for a supply deficit in the fourth quarter, that is, global demand will exceed refined metal supplies,” concluded Ms. Mohr. ”China stepped up its purchases in early October recognizing bargain prices, pulling down LME stocks in South Korea. At the height of concern over Eurozone prospects, traders appear to have focused their profit-taking on copper, as well as nickel, given its comparatively large margin over costs and where the bulk of long positions probably resided.”

Scotia Economics provides clients with in-depth research into the factors shaping the outlook for Canada and the global economy, including macroeconomic developments, currency and capital market trends, commodity and industry performance, as well as monetary, fiscal and public policy issues.

For further information:

Patricia Mohr, Scotia Economics, (416) 866-4210,
Patty Stathokostas, Scotiabank Media Communications, (416) 866-3625 – The link to the feed item



Not every wine that sparkles can be called champagne. True champagne comes from a special region in France located 90 miles northeast of Paris. Champagne has a legendary history, and has for many hundreds of years been part of many cultural events and historical traditions. This region has a combination of chalky sub-soils and cool climate, which produces the only grapes in the world that can yield the Champagne of legends!

Grape Varieties and Styles
The three primary grape varieties that that are used to make Champagne are pinot noir, pinot meunier and chardonnay. The dark-skinned pinot noir and pinot meunier give Champagne its length and backbone, while chardonnay gives it acidity notes and biscuit flavour. There are several other grape varieties that are permitted for historical reasons, and are used occasionally.

A non-vintage Champagne includes a blend of grapes from several vintages. They also have a consistent style, and are made for immediate consumption. Most Champagne is non-vintage. Only a few non-vintage Champagnes will benefit from further aging.

Champagne vintages are declared only for outstanding harvest years and are made from a single harvest year. The producers reserve their finest fruit for this style of Champagne, adding to its desirability. Not every year is declared a vintage year.

Presitge Cuvées
This is a proprietary blend, the top of the producer’s range, and is most suitable for cellaring. The trend is that these Champagnes come delivered in very expressive, distinctively-shaped, and labeled bottles. These Champagnes are usually made with grapes from Grand Cru vineyards.

Blanc de Blancs
Blanc de blanc is a French term that means “white of whites”, and is used to designate Champagnes made exclusively from chardonnay grapes. The blanc de blancs style is popular as an apértif due to their light, dry taste.

Blanc de Noirs
Blanc de Noirs is another French term that means “white of black”. This sounds like a contradiction, but it is not. What it tells you is that the Champagne has been made only using black grapes. Champagne made from black grapes are typically full bodied with intense richness.

Rosé Champagnes are produced either by leaving the clear juice of black grapes to macerate on its skins for a short time or, the common method, by adding a small amount of still pinot noir red wine to the sparkling wine.

Sweetness (Brut to Doux)
In addition to classifying Champagne styles, classifications are also used to refer to sweetness. The amount of sugar added after the second fermentation and aging varies and will dictate the sweetness level of the Champagne.

• Brut: dry, less than 1.5% sugar (most common)
• Extra Sec: extra dry, 1.2 to 2% sugar
• Sec: medium sweet, 1.7 to 3.5% sugar
• Demi-Sec: sweet, 3.3 to 5% sugar (dessert Champagne)
• Doux: very sweet, over 5% sugar (dessert Champagne)



What can you see? What can you smell? What can you Taste? Champagne deserves your undivided attention. You need time to appreciate its colour, effervescence, savour its aromas and define its dominant impressions.

Before you pop the cork, there are a few basic rules:
• Flutes should be clean and free of any traces of detergent or rinsing agent [could cause Champagne to flatten]
• Avoid all forms of perfume, i.e., personal or room fragrance [these will interfere with the appreciation of the aromas]
• Ideal drinking temperature is [8° – 10° C] – chill the bottle for 20 minutes in an ice bucket filled with ice
• When pouring, fill the glass only two-thirds [this allows the aromas to circulate]
• Once the Champagne is poured, allow some time for it to open up

Colour and Appearance
Once the Champagne is poured, place a sheet of white paper behind the glass try to identify the shade.

Colours can range from: pale gold; green gold; grey gold; straw yellow; yellow gold to antique gold. For rosé Champagnes colours range from coral pink, salmon pink to deep pink.

How does the Champagne look to you? Is it limpid, sparkling or silky?

And what about the bubbles, are they: light; fine; lively; plentiful or slow?

Once the initial effervescence has subsided, bring the flute to your nose and inhale slowly, at length and then inhale again. How do you describe the aromas? Are they floral, fruity, vegetal, or does the aroma remind you of dried fruits or some other indulgent delicacy?

Floral aromas can range from rose, lime blossom, orange blossom or violet.

Fruity smells will range from grapefruit, apple, pear, quince, peach, apricot, nectarine, mango, banana, lychee, coconut, cherry or currant.

Vegetal bouquets range from almond, grass, fern, to truffle.

Dried Fruit odours range from hazelnut, raisin to dried fig.

Other indulgent delicacy aromas include butter, brioche, toast, honey, candied fruit, vanilla and various spices.

Champagne reveals its complex personality best on the palate. Try rolling the Champagne around your mouth – there is bound to be a dominant impression.

How does the Champagne feel?

Does it feel powerful, solid, comforting, smooth, light, mature, or opulent?

Now how would you describe the impression?

Is it creamy, delicate or complex?

Go ahead and enjoy what is hiding inside your flute glass!

To participate in the festivities on October 28, follow the #ChampagneDay hashtag on Twitter, Facebook, and on other social media sites. For more information about #ChampagneDay or the worldwide effort to protect wine place names and origins, please visit or

Liz Palmer
coHost for #ChampagneDay

Inventors, inventions and Innovation

Throughout history the success of nations has been based on their people’s ability and aptitude for innovation.  If it were not for the English long-bow the English would not have been as effective against the French during the Hundred Years’ War, especially in the battles of Crecy (1346), Poitiers (1356), and the famous Battle of Agincourt (1415).

In modern day innovation continues to be the mechanism by which to build societies and organizations.  For example, MicroSoft’s success has arisen out of its development of a user friendly platform for the personal computer, Research In Motion built an international business and for many years has dominated the corporate cell phone market because of its innovative solution to protect the transmission and storage of data.

Innovation is about doing something better (cheaper, quicker, stronger, faster, farther, more effectively, etc.) than the way it is presently being done.  Ultimately, in the business, military and even political arena it is about the ability to outperform the competition.  With innovation comes spin-off benefits that include: improved quality of life, better safety, job creation, development of manufacturing, increased export and an overall improvement in national economy.

In many cases, it was one individual that came up with the idea behind the innovation. Such individuals are called inventors and although it may seem to many that inventors are born to be innovators, empirical evidence shows that average individuals can be turned into inventors, and managers, leaders and administrators into innovators.

Inventing is a category of innovation. Another category of innovation is found within organizations and among leaders and administrators.  Innovation within organizations is just as powerful as inventing.  Improvement in product design, delivery of services or even managing of operations can sometimes produce as much competitive advantage as creating a new invention.  Though there is a significant overlap between 1) training of inventors and 2) training of innovators within organizations the challenges and focus of the two does require two different training programs.


A country’s ability to design, manufacture and market innovative products is a significant determinant of its ability to compete internationally.  With the creation of new products and technologies support industries develop, such as design houses, tool and die shops, testing facilities, manufacturing facilities, repair shops, legal services, accounting services, banking services, administrative services and much more.

Often economies become reliant on a specific sector (oil) or outsourcing for foreign customers. This can lead to dependency on others and often softens the motivation to diversify business and industry. It is very important for countries to diversify their economies.  To do this, it is necessary for people to learn to be innovators of new products and services which can stimulate new business. Diversification often helps companies and even countries gain world recognition as a “go to” place for new, original and innovative ideas and services.


The ongoing debate by psychologists as to whether an inventor is born or trained is rendered irrelevant when examining how to stimulate innovation within a country. It is true that individuals like Leonard DaVinci have been able to create a great wealth of inventions and contributed to innovation throughout the ages. However, it is also true that you individuals can be trained and turned into inventors with the ability to bring products to market.  The Inventors Course, offered out of Toronto, Canada in collaboration with Venturemind Corporation offers a one week training program that promises to turn anyone into an inventor (details: info [at] There is also an online version of the course for those that would like to receive the training over the internet.

Venturemind is now working with partnerships to bring both the Inventors Course and Innovation Program to countries in the Middle East, South Asia and North Africa as economic development tools. These programs are a quick and cost effective way to product jobs. Proto-types for new inventions are usually created within a month of the course.

With the commercialization of new inventions, jobs are created almost instantly.  Usually individuals are contracted at first to assist with things like design, delivery, packaging and later on to help with manufacturing and even research and development for product improvements or even new products.

Innovation doesn’t just create the very tangible financial and economic returns, it also contributes to a populace that is happier, has more confidence, is more involved, motivated and with a positive attitude towards the future.  What better way to stimulate a struggling economy?

National Bank Financial Group Added to The Banker Who Saved His Soul

National Bank Financial Group Added to The Banker Who Saved His Soul – The title of the feed item

The Canadian Who Saved His Soul website has added the National Bank Financial Group (NB) on its list of Canadian Financial Institutions being observed for corporate responsibility and community involvement. As a long-established Canadian bank, NB Bank is strong within Quebec and among the Francophone community, which gives it a distinct and unique culture among the Canadian banks. The NB website has the tagline “A driver of social and economic growth”. The above distinction and mission have the potential to provide National Bank with the basis for corporate innovation, social responsibility and community involvement.

National Bank Financial Group is presented on its website by bank President and Chief Executive Officer, Louis Vachon as:

Founded in Quebec City in 1859, the Bank has grown while striving to always earn the trust of its various stakeholders and contribute to the development of the communities it serves. 

Through a series of mergers and acquisitions over the course of its history, National Bank Financial Group has grown to become a powerful integrated financial group and Quebec’s leading bank. 

National Bank Financial Group is firmly committed to continuing deployment of itsOne client, one bankvision, which is aimed at giving clients access to the same exceptional service, whatever their point of entry to the Financial Group, and ensuring that our efforts are even more focused on client satisfaction. – The link to the feed item