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Insurance & Investments

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Insure the things you value most (including your ability to earn a living)

Helpful Tips, Insurance

When looking at insuring the things that are most important to you and your family: your home, your health and your life are a few of the most obvious examples. Most people have at least one of those insured. While it may not be as obvious, your ability to meet your loan and other credit obligations is probably one of the most valuable things you possess. Do you have that insured?

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RRIFs and changing beneficiaries to annuitants

Investments, Personal Finance

Bill and Rosalind are friends of Sam and Christine, whom you met in this article. They live in Halifax. Bill died of a stroke just before his 70th birthday. He had named his common law partner, Rosalind, as beneficiary of his Registered Retirement Income Fund (RRIF) via his will, which he had set up earlier in the year.

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RRIFs and successor annuitant benefits

Investments, Personal Finance

Sam and Christine live in Moncton, New Brunswick. Sam is celebrating his 71st birthday this year. He has held on to his Registered Retirement Savings Plan (RRSP), optimizing the tax sheltered benefits of doing so. He named his wife Christine as beneficiary of that plan. Sam wants to convert his RRSP to a Registered Retirement Income Fund (RRIF).

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RRIF transfers to spouse using segregated funds

Investments, Personal Finance

Tom and Sharon have been together for about 8 years. This is a second marriage for both of them. Tom is semi-retired; Sharon is a retired schoolteacher. The couple are both wary investors; they still feel the pain of the big market correction in 2008–09. They moved their investments to segregated funds for the insurance guarantees including the ability to reset the minimum guarantees based on the growth on their investments.

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Life Insurance Ownership Pitfalls to Avoid: Part 2

Helpful Tips, Insurance

As we saw last time, avoiding life insurance ownership pitfalls takes a bit of maintenance work. With something that is built to last for years, decades or even a lifetime, the ability to adapt to the changes that come with life’s ups and downs is valuable. With life insurance, that means making sure you know what the options are and how to make them work for you. Let’s take a look at a couple of overlooked pitfalls to avoid.

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What the U.S. general election results means for the stock market

Investments, Off the Cuff

Ashley Misquitta reviews the U.S. general election results and the potential impact on the markets in this Off the Cuff video.

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Life Insurance Ownership Pitfalls to Avoid: Part 1

Helpful Tips, Insurance

 

Throughout Life Insurance Awareness Month in September we offered simple tips for first-time insurance buyers. Now we turn our attention to helping those with the foresight get life insurance to ensure you continue to enjoy the benefits that true peace of mind brings. Owning life insurance is not like owning a house or a car – you don’t have to watch it every day. However, it is often a decades-long investment and you should check under the hood every so often.

With that in mind, here a few common pitfalls you can avoid:

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Ten retirement myths series: Myth #10

Investments, Personal Finance

The next retirement myth is an example of an inter-generational issue. It also goes back to the issue of when to start making and funding plans for retirement. 


Retirement myth #10: I’m too
 young for critical illness or long term care coverage

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Tip of the week #5: Find right the insurance company for you

Helpful Tips, Insurance

As Life Insurance Awareness Month 2020 draws to a close, we want to offer one last tip for the first time life insurance buyer and that is to choose an insurance company that you feel conformable with. Things you might want to consider are:

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COVID-19 and the K-shaped recovery

Investments, Off the Cuff

In this Off the Cuff video, David Mann discusses how COVID-19 may be resulting in a K-shaped recovery which is exposing relative strengths and weaknesses in operating models.

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