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Other expenses health care givers encounter...

on Sun, 01/25/2015 - 16:05

*Updated Nov 23, 2015

We all know there will be expenses when we need to take care of a dependent, whether it was an elderly who needs long term caring or a dependent child. In order to make sure your home suitable for disabled persons or an elder who lost his/her mobility... there are lots of modifications needed. Those are probably things anyone can track but there are more to a health care giver will encounter with...

Most people will, at some point in their lives, help a family member or friend with a long-term health condition, disability or problems related to aging, at times, there

How to choose the best suitable health care plan

on Sat, 11/30/2013 - 20:44

Recently, I have got quite some quote requests on health and dental plans. Not only because health care costs are getting more and more expensive, partly because lots of companies had been gradually reduce (or even cut) their group benefits; and the other part is, of course, we have more seniors retiring and that they no longer covered by their group benefits.

In general, health and dental plan consists of 3 areas: extended health care (Chiropractor, Naturopath, Registered Massage Therapist, Acupuncturist, Physiotherapist and so on), dental and drug.

Every story has 2 sides

on Tue, 01/31/2012 - 10:04

It is a very interesting morning… 680news featured on 2 pieces of news regarding Holiday spending… One says: RBC survey found 31 per cent of Canadians spent more than intended during the holidays; the other one says: majority of Canadians managed to keep their holiday spending in check


The 2 pieces of news are actually came from the same source, the same survey by RBC, which the press release titled "RBC Poll finds most Canadians stayed on budget over the holidays". As you can see, the same story can play different angles, all depends on how the report/editor wants to present it.



Please do not hesitate to talk to an advisor... for your own good

on Wed, 09/14/2011 - 18:59

Manulife Financial (one of my business partners) released a series of illustrations on a survey (Canada's 2009 Canadian Financial Capability Survey) result yesterday: Making Cents: A Study of the Financial Literacy of Canadians, which shown that many Canadians have real challenges with financial literacy. From budgeting for today to planning for tomorrow.

I would like to say something on these findings.

The first thing I am not very happy with (worry rather), is that 48% of home buyers (maybe even current homeowners) saved less than 5% of the cost of their home.