Phylroy Lopez

11 Flips | 2 Magazines | 16 Likes | 7 Following | @phylroy | Keep up with Phylroy Lopez on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Phylroy Lopez”

Debt-free 38-year-old professional wants to invest. Where does she start?

Rachel is 38 and single with a professional job paying $67,500 a year. She has been working full-time for seven years.<p>"I was a mature student," Rachel writes in an e-mail, "and I'm concerned about having enough money for my retirement – and owning a place to live in Toronto!" Rachel has no work …

Six investments designed to outpace the plain vanilla

Investors can bet on beating the market thanks to so-called "smart beta" exchange-traded funds, or ETFs. Their goal is to outpace plain vanilla indexes such as the S&P/TSX Composite or S&P 500 by offering lower-cost access to strategies normally used by active fund managers.<p>To improve performance, …

Victoria woman, 38, is depending on her defined benefit pension plan

<b>Name:</b> Nikki Dykema<p><b>Age:</b> 38<p><b>Annual income:</b> $60,000<p><b>Savings:</b> $1,500 in TFSA, $600 in savings account; $25,000 in defined benefit pension plan<p><b>Debt:</b> $10,000 in credit card debt<p><b>What she does:</b> Communications role in public sector<p><b>Where she lives:</b> Victoria, B.C.<p>Nikki Dykema is a worrier, which isn’t …

How to survive a global disaster: a handy guide

On 22 June, 2001, Tara O’Toole and Thomas Inglesby of the Johns Hopkins Center for Civilian Biodefense Strategies, organised a war game like no other. The two researchers, working with an array of bodies such as the ANSER Institute for Homeland Security, set out to simulate the effects of a …

Oxford University

Technologies that could transform how industries use energy

Energy accounts for a sizable share of company operating costs. Our new report details 33 technologies to improve energy efficiency—and your bottom …

How fracking is stifling innovation in green buildings

The United States is experiencing an incredible domestic energy boom: energy imports are down and natural gas supplies are way up. But perhaps most …

EROI -- A Tool To Predict The Best Energy Mix

Modern society was born a hundred and fifty years ago when coal began providing sufficient energy to make lots and lots of steel and steam, lifting ordinary citizens out of poverty and into the newly-developing middle class. Soon after, we added oil. The energy obtained from these sources was …

Energy

Sefaira Systems

THE PROBLEM<p>Your clients want more information,<br>earlier in design.<p>Owners and architects increasingly want their<br>engineering consultants to assess more …

Study Skills

Builders’ New Power Play: Net-Zero Homes

Industry Wants to Bring Electricity-Generating Housing to Mass Market, but Potential Buyers Must Be Sold on Price<p>LAS VEGAS—Net-zero homes are going mainstream, if the home-building industry has anything to do with it.<p>The homes, which generate more electricity in a year than they use, have long been …

Housing

Thermos-Like Passive Homes Aggressively Save Energy

Extreme energy efficiency is target of more buildings, even low-budget Habitat for Humanity homes.<p>Three miles northeast of the White House, now topped with solar panels, six modest new rowhouses are expected to deliver world-class savings in energy.<p>The reason's simple: They're so well sealed and …

Vancouver project combines industrial and residential space in a single building

Almost all of the condo units in the port-side Strathcona Village have been sold – now the developer is looking for industrial tenants to complete the unique pairing

Skyscrapers