Copyright © 2010 by Maria Gonzalez and Graham Byron
All rights reserved. No part of this work covered by the copyright herein may be reproduced or used in any form or by any means-graphic, electronic, or mechanical-without the prior written permission of the publisher. Any request for photocopying, recording, taping, or information storage and retrieval systems of any part of this book shall be directed in writing to the Canadian Copyright Licensing Agency (Access Copyright). For an Access Copyright licence, visit
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Care has been taken to trace ownership of copyright material contained in this book. The publisher will gladly receive any information that will enable them to rectify any reference or credit line in subsequent editions.
Graham Byron is an Investment Advisor with CIBC Wood Gundy in Toronto. CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and Member CIPF. The views expressed in this book are those of the authors, and do not necessarily reflect those of CIBC World Markets Inc.
Calculations and projections included in the text are for demonstration purposes only. They are based on a number of assumptions and consequently actual results may differ, possibly to a material degree. Readers are advised to seek advice regarding their particular circumstances from their personal financial, tax, and legal advisors.
Library and Archives Canada Catalogning in Publication Data
Gonzalez, Maria, ...