Jeff Somers

The Guardian (Charlottetown) - - BUSINESS -

Maritime univer­sity grad­u­ates are be­ing polled on what they are up to to­day.

The Maritime Prov­inces Higher Ed­u­ca­tion Com­mis­sion is launch­ing a sur­vey of grad­u­ates who ob­tained a bach­e­lor’s de­gree from a Maritime univer­sity in 2012.

The pur­pose of the sur­vey is to gather in­for­ma­tion on grad­u­ates’ pur­suit of fur­ther stud­ies, em­ploy­ment, fi­nanc­ing ed­u­ca­tion, in­clud­ing debt and re­pay­ment ex­pe­ri­ences, and mi­gra­tion pat­terns.

The sur­vey re­sults are con­sid­ered valu­able to gov­ern­ments, universities, stu­dent as­so­ci­a­tions and the grad­u­ates them­selves in un­der­stand­ing the dif­fer­ent path­ways and key fac­tors that af­fect suc­cess­ful tran­si­tions be­tween ed­u­ca­tion and work, or to fur­ther stud­ies.

Grad­u­ates will be con­tacted by email or tele­phone over the com­ing weeks. The 2012 grad­u­ates who do not re­ceive direct con­tact can do the sur­vey by en­ter­ing their in­for­ma­tion on the sur­vey web­site:­gradsur­vey.

“I would en­cour­age grad­u­ates who are con­tacted to share their ex­pe­ri­ences and opin­ions,’’ said Catherine Stewart, in­terim CEO of the com­mis­sion.

“Their re­sponses will help us to un­der­stand the larger pic­ture of univer­sity grad­u­ates’ tran­si­tions and will in turn in­form in­sti­tu­tions and gov­ern­ments as they de­velop poli­cies and pro­grams.’’

Stewart added the sur­vey will build on the in­for­ma­tion gath­ered in the two-year-out sur­vey of the same class and pro­vide de­tailed in­for­ma­tion about the tran­si­tion at two points in time.

Grad­u­ates who com­plete the sur­vey will have an op­por­tu­nity to en­ter their name in a ran­dom draw to win one grand prize of $1,500 or one of nine prizes of $500 each.

The sur­vey is con­ducted by PRA, Inc., on be­half of the com­mis­sion in both French and English and the re­sponses of in­di­vid­ual grad­u­ates will be kept strictly con­fi­den­tial.

The pro­ject is funded by the gov­ern­ments of Nova Sco­tia, New Brunswick and Prince Ed­ward Is­land and made pos­si­ble through the col­lab­o­ra­tion of the par­tic­i­pat­ing Maritime universities.

More in­for­ma­tion about the sur­vey pro­gram may be found at

The com­mis­sion ex­pects to re­lease a se­ries of re­ports about the find­ings be­gin­ning in 2019.

Here’s what an emo­tional in­vestor does: Checks the mar­ket con­stantly, wor­ries about ev­ery uptick and downtick, rapidly re­aligns his or her port­fo­lio at the first sign of a stock or mar­ket down­turn, tends to jump into and out of the mar­ket chas­ing hot stocks and dump­ing down stocks.

And here’s one other thing an emo­tional in­vestor does: Se­verely lim­its his or her chances for longterm fi­nan­cial suc­cess.

Ra­tio­nal in­vestors know that the best ap­proach is to take the emo­tion out of in­vest­ing.

Many of them are business own­ers and re­place emo­tional in­vest­ing with a business-owner ap­proach. They have found suc­cess in­cor­po­rat­ing these business-owner prin­ci­ples into their in­vest­ment plans.

Ra­tio­nal in­vestors set goals and have the dis­ci­pline to stick to them. Yes, they want to make money but they set their re­turn ob­jec­tives against clear short­and long-term goals.

Suc­cess­ful business own­ers know they can’t do ev­ery­thing them­selves so they hire ca­pa­ble peo­ple with the tal­ent and abil­ity to en­hance their business. Sim­i­larly, ra­tio­nal in­vestors del­e­gate their in­vest­ment de­ci­sions to pro­fes­sion­als who have the tal­ent and abil­ity to help them achieve and sus­tain their fi­nan­cial goals.

Both ra­tio­nal business-own­ers and ra­tio­nal in­vestors def­i­nitely want to cre­ate wealth but they also un­der­stand the need for wealth pro­tec­tion. That’s why their port­fo­lios are care­fully crafted and well­diver­si­fied to re­duce risk and pro­vide more sta­ble re­turns over the long-term.

Ra­tio­nal in­vestors make in­vest­ment de­ci­sions based on facts not on feel­ings. They do not get caught up in “the in­vest­ment flavour of the mo­ment” and are care­ful to keep their emo­tions out of in­vest­ment choices.

Ra­tio­nal business own­ers keep a daily watch on in­vest­ment news and con­sider its im­pli­ca­tions but like ra­tio­nal in­vestors, they also keep their fo­cus on long-term trends not day-to-day fluc­tu­a­tions.

Ra­tio­nal in­di­vid­u­als, business-own­ers and in­vestors alike, trust their in­tel­li­gence. They ac­tively seek money-mak­ing op­por­tu­ni­ties — es­pe­cially in a volatile mar­ket — by hedg­ing, short­ing and us­ing other in­vest­ment strate­gies to pick up as­sets at bar­gain prices.

If an un­emo­tional business owner ap­proach to in­vest­ing ap­peals to you — and it should be­cause it’s of­ten a bet­ter path to fi­nan­cial suc­cess — then talk to your pro­fes­sional ad­vi­sor about the in­vest­ment strate­gies that work best for you.

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