Finances

Writing a Will

It's a subject that none of us want to think about. Whether we're young and just starting life or older and approaching the end, we don't want to think about our own death. Adding money to the mix only makes it worse. But, the truth is that all adults need to think about what will happen to their financial affairs when they die. Failure to do so...

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Finding Financial Balance
Finding Financial Balance

It is often said that balance is the key to happiness. Financial balance is an important part of a balanced life. Life can sometimes be like the balance scales our grandmothers used years ago with many different aspects of our beings coming together to balance and form the people that we are. We work and play, rest and expend energy, commune with...

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How to Cope When You Lose Your Job
How to Cope When You Lose Your Job

“Out of work”  doesn’t mean out of hope. No matter how much you anticipated it or how many of your colleagues find themselves in the same situation, losing your job due to downsizing, restructuring or any other reason can be a shattering experience. In fact, psychologists agree that sudden unemployment is as emotionally stressful as divorce...

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Can Your Financial Plans Keep Up?
Can Your Financial Plans Keep Up?

Major changes — whether personal or professional — can significantly affect your family’s insurance and investment needs. A year-end review of your situation will help ensure that you have adequate coverage and that your investments are meeting your needs. Consider where you stand now in terms of your financial goals and what, if any, adjustments...

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Education – A vital gift
Education – A vital gift

The most valuable things we offer our children cost nothing. But there are many other things we give them that cost money.  The most expensive is often the opportunity for them to attend college or university. Without financial assistance, our children may have to forego post-secondary education or graduate with loads of student debts.  We want...

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Being Generous When Times Are Tough
Being Generous When Times Are Tough

In difficult economic times like these, it’s natural to search for ways to cut expenses and reduce the pressure on your family income. Among the many ways to lower expenses, the easiest may seem to stop making donations to your favorite charities. If we truly believe in what these organizations are doing, discontinuing our financial support means...

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Plan ahead for “April Showers”
Plan ahead for “April Showers”

As we move through life, each new stage brings its share of joy and challenge. Just as April showers bring May flowers, it is often only after hard work, perseverance and planning that we see the benefit of our efforts. Planning for your financial future is no different.  Saving and planning can be incredibly beneficial when you are faced with...

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Control your Credit Cards
Control your Credit Cards

Today, the number of credit cards in Canada had grown to almost 65 million while the value of annual purchases made with credit cards increased more than ten times. The hard truth: More credit cards mean more credit card debt per person. Many Canadians are swamped by their monthly credit card obligations. Credit card debt is painful because often...

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