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The Danger of Denial in Wills and Insurance Planning
Mark Twain once said “Denial ain’t just a river in Egypt.” He was not in denial regarding his eventual death as he had a valid
Your Most Valuable Investment – Human Capital
I had the privilege of speaking to a Grade 12 Economics class a few years ago and the experience affirmed my hope for the future.
Understanding Long Term Care Coverage
I easily get wrapped up in our work and need a reality check. Nick Murray, a known voice among financial advisors, gave the keynote address.
Insurance Planning and the Golden Goose
Remember Aesop’s fable of “The Goose Who Laid the Golden Eggs?” The greedy owner couldn’t wait for the goose to lay the next egg. He
Secure Your Income With Disability Income Insurance
Judging by the growth of major shopping malls, the surge in online retailers and the brand new cars I see, the last thing we’re thinking
Crash Test Your Mortgage Life Insurance
Thousands of crash test dummies have been sacrificed for our driving safety and I’m grateful every time I drive! We also need to crash test
Beneficiary Designations – Dangers and Benefits
Like many teenage boys, I loved Shop class! After years watching my father use power tools, I was finally going to learn to use them
Mortgage Life Insurance’s Perfect Storm
You may not actually have full coverage when you buy mortgage life insurance from your bank. Wait… What? There bank clerks who offer you mortgage
Travel Insurance Tips
While snorkeling with the boys during a vacation in Maui a few years ago, I felt a sting. Unluckily, my right knee encountered a sea
Protect Your Family from a Monster Mortgage!
RBC has published their Housing Affordability Measure since 1985. It reflects the costs of owning a detached bungalow at market value. The higher the measure,
7 Things the Banks Don’t Tell You About Mortgage Protection Life Insurance
Mortgage Protection Life insurance is presented as part of the mortgage signing process with an implication that it forms part of the package. If you
Life Insurance Rewards Good Health
Over 30 years ago, insurance companies came to the blinding realization that non-smokers live longer than smokers. Non-smokers welcomed this revelation, especially when they found they
Negotiate Your Term Insurance Renewal
Many of us go through this drill! We buy a term insurance policy that increases at a certain rate every 5, 10, 20 years or
Life Insurance Lessons from Costco
Buying life insurance is similar to the strategy used by Costco: you save by buying all elements of your coverage at one place instead of paying admin costs at numerous providers.
Life Insurance is a Bad Investment!
If you do not have a need for life insurance and are holding it purely as a savings plan, you are still paying for the cost of the insurance portion of the package, and it is probably more expensive than other more sensible options.
Plenty of Life Insurance Options
With many insurance providers and each offering different products and classifications, the possibilities can be confusing. Here’s a better way to choose life insurance.
Death and Estate Taxes
Some life insurance companies preach the “theory of diminishing needs” for life insurance. It says that we will become self-insured by paying down debt, accumulating
Are You Still Breathing? Critical Illness and Disability Insurance Will Pay!
Think back over the past year. How many people in your circle of relatives, friends or acquaintances have died? Not too many I bet. How
Will a broken smartphone destroy your future?
The last time you bought a car, home appliance or electronic item, what add-on does the salesperson usually ask you to buy? Of course – the
Insurance Planning is Like Using Power Tools!
Having grown up in an age of real fireplaces and having done some old-school camping, I also helped gather firewood. I then patiently watched my
