Seeking to take emotion out of investing, stock analysts have invented many systems of technical analysis. Technical analysts look only at numbers.

Most believe a thorough study of stock price and volume patterns alone should allow the prediction of future prices. Some technical analysts study more factors than price and volume. All build elaborate charts and read them for clues to the future. Often, extensive computer modeling and game playing systems are employed. Economic factors, stockbroker pressure, the brother-in-law’s inside information, the CEO’s cold, and other factors are ignored.

Technical analysis is great for number people. You can play with endless formulas to analyze past trends hoping to predict the future. However, technical analysis is best employed on other people’s money. Then you can remain objective and emotionless. All the studies of technical analysis show that it is ineffective. Used on your own money, you are likely to have strong feelings as losses mount.

Repaying Your Canada Student Loan You must continue to make interest payments on your Canada Student Loan once you have completed your studies or have stopped being a part-time student, but you are not required to make any payments on the principal until six months after your postsecondary end date.

As a borrower, you have certain responsibilities, and it is important that you understand the terms and conditions of your loan agreement so that you fulfill your obligations.

Make sure to keep your loan in good standing so that your future credit rating is not affected. Canada Student Loans received before August 1, 2000, are repaid to the financial institution holding the loans.

Canada Student Loans received on or after August 1, 2000, are repaid to the Government of Canada through the NSLSC

Defaults

It is your responsibility to ensure your loan is in good standing. Failure to repay your loan as established in your Part-time Loan Agreement will result in your defaulting on your student loan. If you default on your loan, action will be taken to recover the debt, which may include reporting you to a credit agency, recovering monies through your income tax return, referring your loan to a private collection agency, and/or taking
legal action. It is important to note that while you are in default, the interest on your Canada Student Loan will continue to accrue.