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The value of Advice

Source: Manulife Financial

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Where to stash your cash: RRSP or TFSA?

By Brenda Spiering, Editor, BrighterLife.ca Confused about the best savings option for your needs? You’re not alone. Ever since the federal government introduced the Tax-Free Savings Account (TFSA) in 2008, there’s been debate about whether a TFSA or a Registered Retirement Savings Account (RRSP) is the best place to stash your cash. Both provide tax…

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Year End Tax Tips

With the New Year fast approaching, now is a good time to consider ways to improve your tax position. There are still many time-sensitive issues that you should address before January 1 and in early 2015 that can help take a bite out of your 2014 personal income taxes. RSP Contributions Contribute to an RSP…

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Four estate planning questions

By Kevin Press, BrighterLife.ca Hearing that you ought to update your will is little bit like being told to take up jogging. Everybody knows it’s the right thing to do, but that doesn’t make it any easier to get started. Douglas Gray has made it his mission to do exactly that. The former lawyer left his…

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Five Financial products You Should Own

 By Brenda Spiering, Editor, BrighterLife.ca You don’t need to be born with a silver spoon in your mouth to build wealth. With the right products, you can grow and protect a healthy nest egg. Here are five key financial products that should be part of your plan: 1. Registered Retirement Savings Plan (RRSP) As soon…

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Life Settlement

By: Robert Lawrence The life settlement industry was propelled into popularity by the viatical settlement industry. History has shown us that the early adopters of life settlement were those who were suffering from AIDS and who had only a couple of years to live. They sold their insurance policies assuming they would get immediate cash…

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Critical Illness for Juveniles

Many people recognize the need for Critical Illness insurance to protect them from the financial risk that could result if diagnosed with a life threatening illness. Although a difficult subject to think about, children should also be protected from this risk as well. If our children were to become ill the emotional and financial toll…

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Registered Retirement Savings Plans (RRSPs) – Simply Put

RRSPs are a great way to save for your retirement. A registered retirement savings plan can help you achieve financial stability for later life. Did you know the Canadian government gives financial incentives to help you save for your retirement? Simply put, a Registered Retirement Savings Plan, or RRSP, is a special type of savings…

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Asset allocation, simply put

Find out how you can manage risk in your portfolio by selecting a mix of investments to suit your risk tolerance, time horizon and financial goals.

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Do you need mortgage insurance?

  By Helen Burnett-Nichols, BrighterLife.ca Your home is likely the biggest asset you’ll ever own. And if you’re one of the majority of Canadian homeowners who have a mortgage, you need to ensure your home is protected should something happen to you. The question is what’s the best way to do this? Canadians held $855 billion…

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