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insurance

Don’t be too easy on “buying a car”

on Mon, 04/24/2017 - 16:39

Over the years, I realize, living in big cities like Toronto, people always struggle with whether they want to buy a car. 

Car buying is like a mini excise on property buying or renovation. No matter how many times you crunch your numbers, when it happens, there are always things going to cost you more.

I have seen multiple times clients thought it was better off for them to get a car, and that whole things turned out to be a mistake. At the same time, there are of course many cases, car buying only makes sense.

This article is just to raise awareness so that you can think twice before

Occasional smoker: whaz the big deal?

on Thu, 10/09/2014 - 10:12

I was reading my twitter feed early in the morning as usual and came across this news article: "Colorado pot shops trying to make things easier for first-time users"

In the article, it states one thing, which makes me feel extremely uncomfortable: A market study released in July suggested 40 per cent of customers in Denver-area recreational marijuana shops are tourists. That figure spikes to 90 per cent in ski towns such as Aspen or Breckenridge.

And they are right!

Solution! - Giving Birth In Toronto Without OHIP

on Mon, 07/07/2014 - 19:25
*Updated May 30, 2016
I get enquiries from time to time on non-residential pregnancy cases, but the last few months I had way more than what I had received before. I want to make sure we are all on the same page: pregnancy is better well planned and well-prepared than accidental or as a surprised incident.
 
As a financial advisor, family planning is always one of the main thing we look at when we strategize our financial future. Not to mention there are costs around raising a baby, more money spent when the kid needs to go to child care, summer camps and educational costs down the road.

Back up plan

on Sun, 06/08/2014 - 08:45

**I was writing this bost post in the morning and was shot to see this tweet from @680news :(

If you are a healthy person in general, you might not think of insurance unless you drive or you own your property. We buy auto insurance because it is the law to have that coverage; we buy home insurance, mostly, because we have a mortgage and the lender requires us to get that coverage. Imagine if you don't HAVE to buy those coverage. Other than "oh yeah, we save lots of money", have you thought of what would happened should you get into an accident and hit someone?

A real life experience: my

How to make sure you have an enjoyable trip

on Sat, 03/08/2014 - 14:57
*updated on June 12, 2016
Spring is around the corner, we are pushing our clock an hour forward again. After the brutal winter we had, I am sure everyone can't wait to go out, stretch their legs and plan for a vacation.
 
I did a previous blog post on different kinds of travel insurance. Now let's explore why do we even want to consider it.
 
Travel insurance, again, consists of two major parts: one insures the people who are traveling; and the other insures the trip cost should the people can't go or have to come home in the middle of the trip for certain reasons.
 
This article,

Investment Executive interview on long term care insurance

on Wed, 11/20/2013 - 21:17

Please find attached interview with the Investment Executive, Nov 2013, on long term care insurance coverage and pricing

  

online version

Why do we have to consider insurance, again?

on Mon, 09/30/2013 - 14:25
September is the Life Insurance Awareness Month, yes, Life Insurance Awareness Month, even though most Canadians understand that life insurance is an important component of financial planning, we still devote a whole month for life insurance awareness. 
 
I know lots of people understands the importance of life insurance but not many of us know how much coverage we need, and half of us aren't confident we bought the right amount (according to a survey Manulife Financial had done in 2011). At the same time, a RBC Insurance/Ipsos-Reid survey dated 2004 said while 70% of Canadians have life

Short Interview with the Investment Executive, Sept 2013

on Sat, 08/31/2013 - 22:32

Please find attached short interview with the Investment Executive, Sept 2013

online version

Thank you for your support.

How does it make sense to insure kids?!

on Sun, 03/24/2013 - 15:06

*photo credit: Heart and Stroke Foundation

Do you find it funny or weird why people are talking more on starting to insure their children?

I know, it might sound weird and even scary... but if you can open your mind and look beyond the "insurance" name... here is what the facts are... Our childern face high risk since the first day they were born! This is a scary news piece from yesterday... 

- Have you had any experience on kids breaking their leg after a ski trip? Broken their arm after going to the park? Children are always active, this is normal and common.
- Do you know, in Canada,

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