The objective of investing is to receive a future flow of funds larger than the funds originally invested.
Your broker works for you – not for the insurance company.
Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.
Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks. It means asking all of the right questions and thoroughly investigating your options.
A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.
The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.
Maintaining your quality of life after the diagnosis of a critical illness and dealing with financial commitments can cause hardship for you and your families. Critical illness insurance can protect your family's future.
Without proper retirement planning, you can be faced with a significant cut in your income at retirement, requiring dramatic changes to the lifestyle to which you have become accustomed.
Investing requires the trade-off of present income (consumption) for future income (consumption).
A popular myth is that estate planning is only for the rich among us. However, any one who has property and wishes for a future generation will need estate planning.
Death is inevitable – and sooner or hopefully later, we are going to die. Before we do, we should take some actions to put our affairs in order.
Everyone needs a financial plan for their life, from those with ten dollars to those with ten million. Life takes money – whether you plan or not.
Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.
Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?
Building net worth over a lifetime requires prudent planning and the implementation of sound strategies. Insurance is an important element of any sound financial plan.
"Children are one-third of our population and all of our future."
Anonymous
Parenting is the key to instilling in our children the core values of responsibility, respect, compassion, cooperation and hard work.
As a parent, your role requires you to provide your children with warmth and acceptance, to be responsive to their needs and behaviours, to be very much involved in their lives, and to provide consistent, fair and firm family leadership.
Effective parenting is the remedy for many costly and tragic social problems like child abuse and neglect, school failure, youth drug abuse, juvenile delinquency, gangs and crime.
Parenting is about unleashing the vast potential wrapped up in a child. While it is perhaps our most challenging and important role in life, there is be no greater joy than to experience the pure and unconditional love of your child. As Cicero said “Of all nature's gifts to the human race, what is sweeter to a man than his children?”
Yet, becoming a parent has a real impact on your financial situation, because as well as day-to-day money matters, it's important to think about protecting your family's future.
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More than you want and less than you need
Often, in the seminars and workshops we do, we are asked about the purchase of whole life insurance vs buying term life.
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