.
To stay in the game you must continually roll over into the next series.
And, of course, pay more of those juicy commissions.
But the Horizons BetaPro S&P/TSX 60 Bear Plus ETF is low cost and has no time constraints, while still letting you insure your portfolio against the ravages of a nasty bear market.
Think if it as term life insurance for your portfolio, inside or outside your registered retirement savings plan.
A little math is appropriate here.
First let, let's assume you wish to protect against a 15 per cent market decline but don't want to liquidate the solid, diversified portfolio you have put together.
If you sold 10 per cent of the portfolio and diverted the proceeds to the bear fund, your downside exposure would be no more than 10.5 per cent.
Our chart this week shows the Horizons BetaPro S&P/TSX 60 Bull Plus ETF back to February.
Plotted below the bull version is the bear.
The two products are the same in structure in that each seeks daily investment results (before costs) that double the performance of the S&P/TSX 60 index, whether that's up or down.The past two weekends have been a mix of Christmas parties, warm weather, and some rain. Looks like another terribly warm winter for us Southerners this year. Someone needs to fire the weather folks and let’s get some in that can get us some cold weather down here! (of course if you’re over zealous that was just a joke)
I’ve finally talked my buddy Chris Watkins into joining in on a duck hunt. Last Saturday morning before leaving for a family Christmas party I heard some mallards behind the house. I called up the crew and we set up a hunt for the following morning, Dec 9. Chris decided it was too warm to hunt the wood goats and joined us for his first duck hunt. I warned him this hunt would spoil him a little and this wasn’t the typical duck hole. We got in the hole around 6:10 and settled in. I told Chris to let the first ducks come down in the hole. I might should have explained it better. The first group came in and the hen landed. I saw the Drake Mallard hoovering above her about 10 yards and Chris hasn’t fired yet. As he went to leave the hole I couldn’t wait any more…BOOM! The duck dropped about 10 inches in the air, then caught his self and started gaining altitude! BOOM, BOOM…then Sidney joined in BOOM, BOOM, BOOM! Ducks kept flying. Like I always say, I don’t miss! I may not kill everything I shoot at but that doesn’t mean I didn’t hit it! That’s my story and I’m sticking to it. We ended up knocking down 6 ducks in the hole. Chris knocked down a Mallard Drake and Hen Teal. I knocked down a Mallard Drake. Sidney got 2 mallard hens and a mallard drake. David got a story to tell. We had a great group on this hunt. David Irby, Sidney Coke, Chris Watkins, Alexandria Holeman, and myself. We couldn’t find two of the Mallard Drakes in the grass so we only walked out with 4 of our six ducks we got. We should have walked out with 10 plus ducks but our aim was a little rusty for some reason.
My youngest daughter Alexandria joined us on this hunt since it was warm enough. She was pumped to be hunting with Daddy again. I was pumped she actually got in on a good action trip.
The Mallard Drake had Rice Breast so we weren’t even able to eat him. Hated that too because my mouth was watering for some duck meat.
Had a friend from the coast, Joey, come up and wood goat hunt here at the house Monday evening through Wednesday midday. Saw deer every day except for Monday morning but no rut activity yet. It shouldn’t be long till the wood goats start chasing.
Today, Dec 15 we headed up to Belzoni for a combo hunt. Sidney and I met up with Forrest Friday in Yazoo City and headed up to try to get in a good delta duck/rabbit hunt. Once we got there we were met by William Duncan. William is a local young man that has wanted to do a little hunting with us this year. We headed back to the duck hole and set up. Sidney and Forrest set up together on one end of the pond and William and I set up on the other. We put some decoys out and before I could get back to the bank I had ducks landing in the water around me. I was about 5 minutes too late getting set up. Once I made it back to the bank they kept flying in. Only problem is they were just out of gun range. We heard the other group fire and then we had our group come in. William and I both fired off 2 rounds and a duck fell! Ended up taking two shovelers, a hen and drake.
We headed back to the truck after a while of sitting on the levee and watching some out of state fellas attempt to sky bust some geese (I need to invest in some steel shot too the way they shoot) and then we decided we might as well turn the beagles loose and burn some bunny tail up. William has killed a rabbit before but never with a pack of dogs running it. I informed William that shooting a rabbit not in front of a pack of beagles was like shooting a deer at night with a one eyed beagle….that ain’t deer hunting and shooting rabbits without dogs running isn’t rabbit hunting. William wanted to join in on his first real official rabbit hunt and try to get his first “official” rabbit. We had a pack made up of Smoke, Brittany, BG, Princess and our new addition, Dee. Dee has been a very pleasant surprise and has made her spot on the pack roster. Smoke on the other hand is about to get his pink slip. Not enough hunt for us. Dee on the other hand, Booger Hollow Material! Ended up killing two rabbits. I got one and William got his first one!
We finished the day with two ducks and two rabbits!
Not a bad half day hunt for the flat land. With the weather so hot and just crap, my hunting mood is little to none! I really do wish our winter would get here and get cold. Hard to motivate myself to hunt in 70 degree December days. Maybe time for a fishing trip!
Remember to take someone new with you when you head outdoors next time. They can be young like William or an old fart, really old, like Chris, but introduce someone new to what you enjoy. Play it forward like someone did for you in the past. Also remember the families that have lost loved ones in the recent tragedies. Remember the kids that will have to live with the after math of it and the effect it will have on their whole life. Be kind to one another, be safe, have fun, enjoy the outdoors, and hug someone tonight and tell them you love them, even if it’s at camp sitting around the fire…..well may want to wait till you get home for giving that hug after second thought.
I would like to finish with a thought.”Your vet may not have checked for a microchip if you didn't ask - it's not super common to chip cats (at least not in south-western Ontario, where I'm from, anyways) and he may not have thought to check. 

I would take the cat back to the vet and ask for a chip scan. Unfortunately, if he is chipped, then your neighbour could make this a legal issue as he does technically belong to her. 

Maybe this isn't the best thing to do morally, but if you go to the vet and there is no chip, I would get him chipped and register him to you. I'd also try to keep him inside as much as possible, just in case the neighbour attempts to steal him. In my mind, if she wasn't feeding the cat or vetting him, he doesn't belong to her. If he's not chipped and she doesn't care for him, she has no claim to him. 

I personally think that you should act in the best interests of the cat: living outside, especially in a Canadian winter, is not safe for him.Membership in the club is not vested, is a privilege and may be terminated, with just cause, by a two thirds vote of the Board of Directors. If the Board of Directors declines renewed membership to any former member, the dues paid for the years declined will be returned to the former member.
The LJRC has 3 classes of members: Regular, Life and Honorary.
Each regular membership is recognized as a family membership, which may consist of a husband, wife and children under the age of 18. With this membership, only one member shall be entitled to a vote at meetings. All children under 18 years of age must be with the member parent while on club property. Children who are part of a family membership who become 18 years of age must then pay membership fees as individual members. Life membership may be awarded to a member who has displayed exceptional dedication to the club over a period of time. A member for consideration may be submitted by any member of the club to the Board of Directors. The Board of Directors vote must be a two thirds vote for the awarded life membership. Honorary membership will be awarded to non-members who have displayed exceptional dedication to the club. The Board of Directors vote must be a two thirds vote for the awarded honorary membership. Life memberships and honorary memberships will be announced and in effect at the annual