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Financial Library

Get More From Your RRSP

Posted on: January 13, 2015

The so-called RRSP Season is on its way. TV, newspapers and magazines will soon be full of advertising to get you to make your last-minute RRSP deposits. And then RRSPs and retirement planning are often forgotten until the next deadline. But a little advance planning will get you more from your RRSP.

Tags: 
retirement planning

Predicting the Future

Posted on: December 9, 2014

Human nature includes the desire to predict and or anticipate both the immediate and longer term future. The reason for doing so is often to eliminate or reduce the fear or anxiety about the unknown. Human beings detest uncertainty and will do almost anything to reduce this uncertainty.

In ancient times people made special offers to local gods. In modern times, people watch news broadcasts and try to interpret how current events will impact their investments.

Tags: 
investment planning

Year-End Tax Planning Ideas

Posted on: November 12, 2014

The following are some ideas for individuals and business owners to reduce income taxes as 2014 draws to a close.

Individuals should consider doing their RRSP contributions before the RRSP rush in the first 60 days of 2015. You can get better values by buying today than when all the last minute procrastinators rush to buy their RRSPs in the New Year and temporarily push up market values.

The Three ECs of Life Insurance

Posted on: November 12, 2014

Life insurance is initially purchased for any of a number of reasons. As time goes by, many people question why they are still carrying their policies as the original purpose no longer applies.

Here are the three uses of life insurance:

Tags: 
insurance planning

Financial Strategies for the "University Years"

Posted on: November 12, 2014

Many parents wrestle with the dilemma of how much financial support to provide their children attending post-secondary programs. The costs today are much greater than what the parents paid for similar schooling some thirty or more years ago.

Tuition costs alone have risen at least tenfold since the 1970's for a basic humanities degree, never mind the enormous cost increases for professional programs such as engineering, business, law and medical school.

Tags: 
financial strategies

Investor Emotions & Media Influence

Posted on: October 14, 2014

During a recent client call, the topics discussed included how the media influence people's investment behaviors. This client woke up one day with an 'epiphany' thinking that a market correction was just around the corner. They did admit after a discussion that they had been reading something to that effect in the newspapers during the weekend.

Tags: 
investment planning

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