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Fast and easy travel and supplemental health insurance
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Online service can save you time and money
 Whether
you need a comprehensive health plan or a quick policy to cover
a last-minute trip, we have everything you need online to get
the job done.
On the health side, choose from
FlexCare
-- Design your own comprehensive health insurance plan.
FollowMe
-- This plan allows you to continue enjoying health and dental
benefits even if your employment benefits end.
Lifecheque Basic Critical Illness Insurance
-- How would you and your family cope if you were faced with a
critical illness?
Personal Accident Disability Insurance
-- No matter how you plan your day, you never plan to have an
accident.
If you are leaving the province for work or play--from vacations
to business trips to school excursions--don't forget about
travel insurance. It's a small price to pay for peace of mind.
Visit our website to
choose the plan
that's right for you.
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Yet
another looming deadline
 We've
just turned the corner on the March 1 RRSP deadline and another
deadline is creeping up behind it.
Tax returns are due April 30.
Here is a
checklist we put together to help you out. (Please enclose
your completed checklist with your receipts when you submit them
to us.)
Although there's still time, it might be better to file sooner
rather than later. While we certainly can't promised anything,
the tendency for the Canada Revenue Agency is that the faster
you get it in, the quicker the turnaround. Last year, we had
people who had filed by mid-March receiving refunds within two
weeks.
For more information about this most important issue, call me at
613-841-0944 or contact
me by
email today.
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Investing for the long term
There is no denying that the economy has taken a hit over the
past couple of years. But you know what? That's not unusual. In
fact, over the last three decade s, there have been five
separate occasions when the stock markets have dropped an
average of more than 20 percent.*
The good news is that they always come back, stronger than
ever. While this may be among the worst downturns we've seen
in awhile, there is already solid evidence that things are
turning around. They always have and they always will.
So, stick to your plan. History says a new high is inevitable.
It's just a matter of time.
*Source: Canadian Market
Recovery After Financial Crises, Balanced Portfolio.
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TFSA: There's plenty in it for you.
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Do you have a Tax-Free
Savings Account?
 If
you aren't sure of the details (most people aren't), here's what
it's all about.
Starting in 2009, anyone over the age of 18 has been able to
invest in a new savings vehicle called the Tax-Free Savings
Account (TFSA). You can deposit $5,000 per year (we are now into
the second year of the program). Any portion of the allowable
contribution not used can be carried over indefinitely.
Although the contributions are not tax-deductible, any money
earned on those contributions are tax-free. What this is giving
you is
tax-free growth for life
and
you can withdraw from it any time without penalty.
Here's the problem.
Most people dump the $5,000 into a savings account at the bank.
Eventually, their money will grow, in fact, even double--but, at
current savings-account rates, it will take several hundred
years.
What many don't realize is that your TFSA may incorporate the
same types of investments as an RRSP, including cash, government
and corporate bonds, mutual funds and stocks.
Don't underestimate the power of the TFSA.
Want to learn more? Contact me by
email
or call me at
613-841-0944.
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