Indices and Benchmarks – Q4 2013 Reviewing the returns of indices and benchmarks is useful for comparing how your portfolio performed when viewing your latest statement. A portfolio is made up of several components based upon your risk profile. For example, a balanced portfolio might have 5% cash, 45% bonds and 50% equities. The Canada Pension Plan portfolio […]
The Value of Financial Planning Study I am a member of the Financial Planning Standards Council (FPSC®). It develops, promotes and enforces professional standards in financial planning through the Certified Financial Planner®/CFP® certification, and raises Canadians’ awareness of the importance of financial planning. FPSC’s vision is to see Canadians improve their lives by engaging in financial planning. A study […]
Non Medical Life Insurance Non Medical Life Insurance is life insurance that doesn’t require a medical exam, doctor’s visit or medical report i.e. no underwriting. If you are between the ages of 20 to 80, you can apply for coverage even if: You’ve been turned down in the past, believe you are hard to insure, […]
What’s That New Car Cost? My father was an automotive mechanic and I often heard him say “you’re either paying one off or paying to fix one”. Since cars are a big ticket item, understanding car pricing is very important. No matter what car you want to buy, here are several websites to aid you […]
When Your Group Benefits End Apply within 60 days of your group benefits ending, and enjoy uninterrupted health care coverage – without a medical questionnaire! Worried about losing your group health and dental benefits? Anxious about the many medical expenses you’ll have to start paying for out-of-pocket because of the increasing gaps in your provincial health insurance plan? Concerned that you may […]