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Insurance & Investments

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Accumulating money - 3 things you need

Investments, Personal Finance

We hear so much from the media that we are not saving enough for retirement. This message is beaten into the minds of middle and upper middle income Canadians. Saving for retirement is tough, considering all the demands you have now. Investment choices are mind boggling. And rates of return rule the roost.

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Life insurance mistakes to avoid

Helpful Tips, Insurance

There is no question that confusion exists when it comes to the topic of life insurance, and where there is confusion, mistakes can happen. So, to help you learn from other’s experiences, here are some common life insurance mistakes to avoid before, during and after you make a life insurance purchase: 

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The Fiscal Front

Investment Views, Investments

The European Central Bank (ECB) announced a number of new policy initiatives on March 10, including:

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Ten Retirement Myths Series: Myth #9

Investments, Personal Finance

I can deal with a shortfall in retirement savings by working longer or taking up some part time work.

Recent studies have found that almost half of retirees left the workforce earlier than planned. Downsizing, layoffs and negative working conditions were some of the reasons. People ages 55 plus have an average of more than 13 months on unemployment. That’s almost 5 months longer than younger people looking for jobs. (Source: Associated Press, AARP Public Policy Institute 2012)

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Protecting your home with life insurance

Helpful Tips, Insurance

Buying a home can be the single biggest purchase an individual will ever make.  

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Factors that determine how much your life insurance will cost

Helpful Tips, Insurance

How much you will pay for life insurance is based on several factors including your age, health and smoking status. Check out this infographic to help you understand all the factors that may influence your life insurance quote:

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Ten Retirement Myths Series: Myth #8

Investments, Personal Finance

At the risk of sounding nitpicky, governments don’t pay for anything. Working Canadians do. Taxpayers do. Taxes are directed to certain areas of need. Growing needs and rising costs means that there isn’t enough public money to go around. That reality is hitting retirees and will hit them harder as time goes on.

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Ten Retirement Myths Series: Myth #7

Investments, Personal Finance

You’ll have enough money to last through retirement as long as the average rate of return matches your plan

Some rules of thumb and long held assumptions may work well while you are saving for retirement. Holding on to them when you are spending those savings during retirement may become toxic to your financial health.

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Answering some important life insurance questions

Helpful Tips, Insurance

Couple looking at laptop

Life insurance is an important part of your overall financial plan. We’ve put together some easy to understand video’s to help you get started with answering a few important life insurance questions.

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Lessons Learned - Irrevocable Life Insurance Beneficiary not so “Untouchable”

Helpful Tips, Insurance

Family being severed

As a follow-up to our recent post on when an irrevocable life insurance beneciary may not be so "untouchable", Peter WoutersDirector of Tax Retirement & Estate Planning Services at Empire Life, continues to provide his insights on a recent court case where life insurance proceeds were made available to a dependant - despite the same policy naming another dependant as an irrevocable beneficiary as part of a separation agreement.

Lessons to be learned? Find out.  

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