The Benefits of Disability Insurance – Short Term and Long-Term disability
The Benefits of Disability Insurance – Short Term and Long-Term disability We all strive to never become seriously ill or injured, however things happen, and it is better to be prepared than not. One way you can prepare yourself and your family is to have short term or long-term disability insurance in place through an employer or as an individual. What is Disability Insurance? Disability insurance can provide financial assistance to you and your family if you were ever to become seriously ill or injured. Disability insurance can protect you...
read moreWays to help you manage stress
Sometimes, the amount of stress in our everyday lives can build up and seem overwhelming and unmanageable. From work to family obligations, to paying the bills, the number of things we need to do in a day can add up and put a lot of pressure on your physical and mental health. This stress can inhibit your emotions, your joy and even your ability to think clearly, throwing you out of balance.
read more7 Kinds of Personal Budgets and How They Work
7 Kinds of Personal Budgets and How They Work It can be easier to know where you are at financially and achieve your financial goals if you keep track of your money every month. A budget can help you monitor your money and make you feel in control of your finances. The catch is to find a budgeting style that works for you so you will use it consistently and reach your goals. Here are some of the different types of budgeting styles you can try: Traditional Budget Zero-Based Budget 50/30/20 Budget Goal Based Budget Pay Yourself First Budget...
read moreWhat to Do if you become a victim of fraud
If you become the victim of fraud, don’t be ashamed, it can happen to anyone. Financial fraud can cost you financial losses, potential identity theft and can take a long time to recover from. But you are not alone. We have here the steps you need to take to get your financial life back in order if you fall victim to fraud:
read moreAdding Dependents to Your Benefits
Adding Dependents to Your Benefits It’s time, they’re here! You are now eligible for your health benefits. It’s an exciting moment when you are able to access your employer sponsored health benefits. It means improved health and well-being for you and your family and a weight of worry off your shoulders as the health bills are now covered. But with this new coverage can come a slew of new questions, like who is covered? When can I add them? For how long are they covered? These questions and more are often asked, and we are here to answer them...
read moreGovernment Retirement Income Sources
Government Retirement Income Sources When it comes to retirement, there are so many things to consider: When will you stop working? What sources of income will you draw from? What will you do with your time? This well-earned milestone in your life should be walked into with as much joy and carefreeness as possible, as you deserve it. To get there it will take some knowledge and planning and we want to help you along the way. There are three government provided retirement incomes sources you may be eligible to receive that will help support...
read moreDiabetes & Ozempic
Diabetes & Ozempic Did you know that over 8.9% of the Canadian population has been diagnosed with diabetes and 6.1% of Canadian adults are considered pre-diabetics? A high percentage, isn’t it? Diabetes rates are increasing not only in Canada, but around the world. The World Health Organization (WHO) has identified diabetes as one of the greatest public health challenges of this century. Continue to read the rest of our newsletter to learn more about the causes, types, and prevention methods of diabetes. Understanding Diabetes Diabetes is...
read moreFive Tips To Consider Before Filing Your 2022 Taxes
Five Tips to Consider Before Filing Your 2022 Taxes It is that time of the year again! You guessed it, it’s the Tax Season. In Canada, filing your tax return every year will ensure you receive any Canadian government credits that you may be eligible for. The 2022 tax return deadline is April 30, 2023. Even if you don’t have a balance owing on your return, or don’t have an income to report, you should still file your taxes annually. If you have a spouse or common law partner, under Canadian law, they should file an income tax and benefits...
read moreHow Inflation Impacts Your Retirement Plan
How Inflation Impacts Your Retirement Plan “Just surviving day to day has become a big concern of mine”, “Yes, I can afford what I’m doing right now, but I’m starting to panic. I’m starting to think, ‘How am I going to keep paying for everything?” - Morgan (65 years old retiree) In a survey done in April of 2022 for 1001 Canadians, data indicated that due to inflation, 54% of households are cutting back on dining out, 51% looking at flyers are looking for sales, and nearly half ^47%) are putting off purchases like clothing. Some households...
read more