Thursday, December 18, 2008
Creating an online Money Management seminar is something I have been thinking of for some time, and I think that now is the time to move ahead. I would, however, appreciate a little input. Here’s what I have in mind as an initial session. Participants would be led through a process to identify their cash [...]
Also filed in Budgeting, Finances for Women, Financial Planning, Insurance, Uncategorized
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Tagged cash flow, Edmonton, group benefits, income protection, Insurance, inventory, money management, net worth, Reflections on Wealth, RRSP, seminar, Tax Free Savings Account, Tony Ratcliffe
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Friday, November 28, 2008
You have probably heard about the Tax Free Savings Account (TFSA) for Canadian residents. Do you understand what it means and how it might fit into your financial plan? It is apparent that there are misunderstandings, or a lack of knowledge, about how it can be used. You can open an account now, with deposits taken as [...]
Monday, November 24, 2008
Many people find themselves without group medical/health benefits. This may include the self-employed, and it may be individuals who work for an employer that is unwilling or unable to provide coverage. I have also seen employees decline coverage thinking they were fully covered by their spouses’ employers. The latter may be true of health and [...]
Also filed in Finances for Women, Financial Planning, Insurance, Uncategorized
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Tagged disability insurance medical insurance, Edmonton, Financial Planning, group benefits, health insurance, Reflections on Wealth, Tony Ratcliffe, wealth
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Thursday, November 20, 2008
Diminishing value in investment accounts is definitely causing concerns. This is raising the awareness of the maturity and death benefit guarantees provided with segregated funds. A brief overview of segregated funds is provided by Empire Life. Their page also provides a link to the Canadian Life and Health Insurance Association where a number of publications are [...]
Monday, November 17, 2008
During one of our recent social media group meetings, the Social Web Meetup in particular, I happened to mention the guaranteed income for life products, known also as Guaranteed Minimum Withdrawal Benefit. My friend asked if I would arrange a small coffee meeting to provide some information. Of course I will! As I explored what I [...]
Also filed in Finances for Women, Financial Planning, Insurance, Uncategorized
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Tagged GMWB, guaranteed income, guaranteed minimum withdrawal, IncomePlus, investments, Manulife, retirement, Tony Ratcliffe
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This question could be addressed in different ways, but I am going to focus on my work and business and my current activities. First, as many know, I am passionate about distance education and lifelong learning so, if I may, I will write about my continuing professional education. I regularly attend educational sessions presented by [...]
Also filed in distance education, Financial Planning, Insurance, Uncategorized
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Tagged Advocis, Chartered Life Underwriter, distance education, Edmonton, emergency planning, lifelong learning, Master of Distance Education, Registered Health Underwriter, RHU, risk assessment, University of Calgary
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Thursday, September 11, 2008
Here are some tips written for the baristas and others at coffee shops. You will quickly realize that the tips apply to many in the service industry and in other occupations. Once again, these are basic considerations for those starting out and those needing to refocus on where they are going on their path to financial independence. You [...]
Continuing education is so important in the insurance and financial services industry. This morning, I attended a session on Uncomplicating Compliance, presented by Advocis, The Financial Advisors Association of Canada. This was a good review of the practices already followed. A lot is based on the requirements to know our clients and to ensure the suitability [...]
I previously mentioned “Rich is a State of Mind: Building Wealth and Happiness,” a Canadian Bestseller book by Robert M. Gignac and Michael J. Townshend. As you may recall, Robert Gignac provided a couple of articles for me to post under ‘Resources’ on my website. It has been some time since I read “The Wealthy Barber,” [...]
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