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A recent change on Service Canada's web access

on Fri, 02/22/2013 - 18:22

I previously wrote a post What is my CPP going to look like? on how to set up your account with Service Canada, so that you can check how your CPP looks and see your "Record of Employment"s online. 

So, it turns out they have made changes recently. We no longer need "Access Key" to get into the site. On the My Service Canada Account page (, you either a first-time user or a returning user, for those who had an access key already, the transition steps are pretty straight forward.

New steps to registration for access to Service Canada's

We are being affected and we don't even know how...

on Sun, 10/21/2012 - 19:26

On March 29, 2012, the Federal Minister of Finance, Jim Flaherty, presented the government’s budget. The budget proposes technical changes to a life insurance policy on its tax exempt functionality. That rule particularly impact the life insurance policies issue on or after 2013. I had been trying to "wait and see", to understand whether any insurance company would release any memo or article in regards to this.

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.



What is my CPP going to look like?

on Fri, 01/27/2012 - 16:31

I have been asked quite a few times in the last 2 weeks regarding how to get information on personal CPP... So I decided to put up a blog post on it :)

Some people might ask, I am nowhere close to retirement, why do I want the information on my CPP? Why do I care? Yes, you do... Retirement planning is a long term strategy, you definitely don't want to look into that until you are 2 years away from your retirement.

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.

Let's talk about risk...

on Tue, 09/13/2011 - 09:04

Do you drive to work every day? Do you drive your kids or your family to different activities all the time? You have gatherings with friends and family almost every week? Do you drive to all those occasions inclusively? Have you think of how many hours you have been driving (or being on the road)?

Even you might not drive, you might still ride a car or public transit. Chances are you are on the road when you are not at home, at work or at school. We are always on the road, always, more than you are aware.  
Was just listening to 680news again yesterday (as usual when I drive) and