Subject:          Re: Any Canadian Mutual or Segregated Investment Fund
   Date:          Thu, 14 Nov 1996 19:19:06 -0500
   From:          
     To:          dphilips@ican.net
S.J. wrote:
> >NEW!
> >I can << NOW >> provide you with Direct Access & Investment
> >to almost << EVERY >> Canadian Mutual or Segregated Investment Fund
> >Just call me and it's a Snap! (Crackle, Pop!) 8-)

>         OKAY......I'll bite.....
>         What are you offering now...?????
>                                         Steve 
Hi Steve -
          Not so much offering, which ofcourse I am, but to
make the point that No One need go Anywhere Else if they / you
wish to purchase invest(s) in Non-Segregated ie; Pure Mutual - Funds.

I have been specifically surveying & researching manners in whic an
person can do better than to keep a lossing proposition at Any Bank these day!

Either at Current interest Rates, or - as GIC Maturities come due from
Far Far better GIC rates of return -  (& they weren't That Great anyhow as
compared to 1981/1982 Interest rates at 17% to 23% Compoiunf for 10 years!!!)

-So anyhow... we are Stcuk with Low Interest Rates with Full Security of the Capital
 or Risking the Capital in those very High Risk things Called Stocks and stuff...

Well, I HAVE reduced with my clients, a great deal of the risk, AND made money, using
those Life Insurance Com[pany Mutual-type funds called Segregated Funds... but when
so Many People are saying, "Enough with NN FInancal & it's ilk, - this is NOT RRSP
money anymore, this is my CAsh Holdeings for Now..."  or " I want just a Bit mor action
to my investments with noit much more risk, " than we MUST look elsewhere...

I HAVE IDENTIFIED THREE ITEMS ONLY THAT OFFER UNDER THIS CRITIERIA - OK - FOUR!

#4	-  	ETHICAL FUNDS
		-They dance to the beat of a different drummer, and so, other than
		uncontrollable Market movements, they keep their Own Beat!
		- Limited (by comparison to regular Mutuals) in availablitly, they
		TRY TO invest in Ethical Companies (ie: Don't FIRE Tons of folks
		while making more money than every bofore in their existances; don't
		pollute our world, etc..  .

#3	-	Convertable Bonds (Convertable Bond Funds)
		-Simply put - the Safety of a Bond with the (modified) 'action' of 
		the Preferred Shares ie: Can be a Hot Movers (pick a direction) but
		is Tempered by the Bonfd aspect...

#2	-	The Dividiend Income - CORPORATE TRUST Fund.
		- Like a Dividend Income Fund in the icnome aspect and the security,
		except: (a) Less Securure, traded off with upto 85%of all Earnings
		being Completely EXEMPT of Any TAXATION!!!  
		An AMAZING TAX CONSIDERATION with very Few of these 'Lovelies'available 
		(this one's Actually Closed a Dividend Income Fund one the one hand, while
		"re-opened"  this CORPORATER INCOME TRUST, on the other... )
		-IN Non-Registered (Non-RRSP) Investments for Tax Considerations, this is
		the type that Excessive Weatlh in Families USE in Canada, only NOW! it is
		available to the Public - My Guess?  It'll Go Close Ended within two years!
-and-

#1		The Dividend Income Fund 
		    (Many have ALREADY gone Closed Ended - Fewer & Fewer available!)
		- A relatively Conservative way to earn 'non-registered' or 'bank- account'
		income with a long-term overall better aspecting, in Rate OF Return (ROR)
		than a Bank Interest Account or GIC, over the last 10 years, BUT...
		two ways of Better tax Treatement - (a)in the Fund Gains(or Losses) itself,
		which has special tax consideration, and ESPCIALLY - IN THE DIVIDEND PORTION
		which gives an even far GREATER tax benefits - ie: Far less taxable.
		-Additionally, when using - As We May Well SHould! -  a Highration of Preferred
		Shares witrhin these Dividend Income Funds, we also make tax consideration breaks
		even when the fund is doing Poorly!  -End up, over time- with a Win-Win situation!


	There we have it - thing we cannot accomplish in either a Bank Account, 
	nor in a Segregated Mutual-Fund-Type Account of a Life Insurance Company.

		Some FABULOUSLY NEAT STUFF IN HERE, and Some of it's GOT to be Brabbed up FAST!
		ALL of it is worth a substantially good and serious consideration. We find now
		that over the past 2 yrs. (+/-) that even Seniors have turned to Dividend INCOME
		investments, in order to try to maintain the Loss of Income incurred by staying
		at THE BANK!

	I look forward to hearing from YOU soon - and seeing IF we can make
	investment arrangements where YOU can start to benefit from some of
	thes Strategies, as well.

Sincerely misspelling anything spelled incorrectly,

	Your Brilliant (after a lot of research) Financial Fellow

		David Philip Gladstone 
(aka: D.Philip Gladstone  - dpg@oath.com  / dphilips@ican.net)

	
