We know change is difficult, that is no secret, the actual secret is the positive benefits of change in many circumstances. The ability to look at change from the positive perspective could be the difference between a positive fiscal quarter and a potato chip and ice cream binge (not that I would ever do that...)
If you suffered a critical illness and if money were no object, I am sure all of us would spend every last dime we had to recover and get on with our lives. Sadly, most of us are not in such a position. Therefore, where would one get the money if there were no bottomless money pouch available? Here are some ways you can use critical illness insurance to fill a financial void.
One year ago Asia Pulp & Paper (APP) announced its Forest Conservation Policy (FCP), immediately halting all natural forest clearance across its entire supply chain. Specifically, we outlined four key priorities for 2014 to engage our broader industry and other sectors to help accelerate the realization of zero deforestation.
As I sit down to write this post all I can hear between my ears is "Revolution" by the Beatles. "You say you want a Revolution, well you know, we'd all love to see the plan." I do not claim to be a great Beatles philosopher but I am going to claim that unless there is a plan for change, it is not going to be alright.
Because saving for retirement is the responsible thing to do and paying less tax always sounds great, you wouldn't be blamed for thinking that topping up your RRSP is a no-brainer. But is it? And is getting an investment loan a "good debt" to acquire in order to get it done? Here are some things to consider and speak about with your financial adviser.
How would you rate your retirement planning confidence on a scale of one to five? Are you like the majority who find it very confusing? What would it take to overcome your fear and finally start investing in your future? You can set up a plain and simple saving plan that is so automatic, you won't even notice you're saving.
The fact is, we're all living longer than past generations and we have to make sure we don't run out of our retirement money. Even though it's sometimes hard to do, we need to save more during our working years. Here's what you can do to feel better: create a plan that includes an automatic retirement savings program.
There are many different ways to invest the money inside your RESP. As a parent, my rule was simple: I did not want to take any significant risks with the money I was saving for my children's learning. I was satisfied with receiving the 20 per cent government grant, and a modest return on my money. For me, it was more important that the money be there when I needed it.
Have you noticed that every holiday season, the pressure builds as everyone rushes around buying too much stuff before the Big Day? Then our festive bubble bursts just after New Year's when they announce how much new debt everyone has incurred. And then just as suddenly, the talk turns to RSPs and taxes. The collective anxiety is enough to give everyone a massive ulcer.
Small- and medium-sized enterprises (SMEs) remain at the heart of our economy and help create thriving, prosperous communities. Yet in the wake of Statistics Canada's latest jobs report it is becoming clear that the Conservatives' big-business agenda is failing to create quality, decent paying jobs and get the Canadian economy growing again.
More and more often, we are reading in the news about the federal government and various intelligence and law enforcement agencies allegedly "spying" on aboriginals and pipeline opponents. I am both of those things. I have no idea whether strangers are picking up shards of information from my emails and text messages. I have no idea what kind of beautiful stained-glass mosaics their imaginations might create.
There are two things that Blockbuster, Borders and Kodak have in common. The first thing they have in common is they all went bankrupt because digital technologies made their businesses obsolete. The second thing Blockbuster, Borders and Kodak have in common is that they all could be thriving today.
It's been months since I've felt like writing. On the heels of what can best be described as a shocking life-altering experience on November 3 last year, I simply lost my writing mojo. I needed to stop, get off the proverbial merry-go-round and re-think many things. Wondering exactly what happened to me on November 3?