The material (operating papers) ready by and for (or obtained and retained by) the auditor relating to the conduct of the audit.
I feel of my sister, who is a medical professional, a paediatric emergency specialist. I think of all the banged up kiddies she sees. The hundreds of thank you letters and cards she gets from parents, and I wonder what is in your make up that doesn’t make you go crazy? What feelings she should feel? She tells me she detaches it when on duty, she has to. Then in her quiet moments she reflects.
An oddball Fixed Revenue holding – Ultimately, why contain the USA Mid Corp Bond ETF (symbol ZMU ) at all? It is the biggest chunk of all the fixed income side in the portfolios. The inefficiency of the CAD hedging operation introduces a substantial return drag on top of the greater MER that appears to total about .five% per year based on the gap amongst the index return and fund’s NAV return. The reasoning for its inclusion no doubt is higher yield than equivalent credit threat Canadian bonds.
Julia’s ethical RESP started in 2009. Returns have been strong and comparatively steady. On an annualized basis over the past six years, her RESP is up an typical of 8.15% over and above total contributions from Julia’s grandparents and the federal government. Her returns are net of the performance-based fee that her parents paid at the finish of 2010, 2013 and 2014 when Julia’s RESP exceeded our previously agreed target of a 7.5% annualized return to the finish of these years and 7.five% annual return for the calendar year.