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    4 tips to make estate planning easier
    • New Year, New Financial Goals
    • Date: January 15 , 2021
    • The New Year is a perfect time to set some new financial goals. The pandemic may have changed the way you are able to spend or save your money. However, there are 6 actionable steps that everyone can take that will make a difference in achieving your financial goals now, later, and well into your future. Short Term Financial Goals Pay off credit card debt Credit cards are an essential financial tool – they help you build credit, earn cash back or have perks, like insurance protection for your purchases. But if you carry a balance on your credit card, you know all about the high-interest rates and how easily it can spin out of control. This year, you can start to pay off your debt by making a few changes. Start by shopping around for a new credit card, you may find a new card with a lower interest...
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    3 ways to avoid burnout
    • Making Resolutions that Stick
    • Date: January 07 , 2021
    • A week into the New Year and our resolutions are all still holding strong, right? Some of us are surely holding up to our end of the resolution bargain, but a large number of us might be losing steam, or we might have had a slow start. Every year the lists start floating around and the inevitable questions, “What are your resolutions this year?” comes up over and over again. Here are a few tips to refocus your attention on the question that matters; not “what are your resolutions?” but “How do you plan to keep them?” Change can Happen Anytime We use Jan 1st as a benchmark for making change, but why? We like the idea that last year’s choices, goals, achievements or failures are closed up in a neat little package and tucked away. We start fresh on January 1st by forgetting the bad (and in doing so...
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    Getting a good night's rest
    • Sleeping Secrets: How to Get a Good Night’s Rest
    • Date: December 18 , 2020
    • Not getting a good night's rest? You're not alone. Did you know that 1 of every 3 Canadian adults between the ages of 35-65 are not getting enough sleep? And that doesn’t consider sleep the quality of our sleep. When it comes to sleep quality: 1 in 2 adults have trouble going to sleep or staying asleep. 1 in 5 adults do not find their sleep refreshing. 1 in 3 adults have difficulty staying awake during waking hours. Why do we need the recommended 8 hours of sleep? These days, not getting enough sleep in length or in quality is normal. But just because it’s prevalent – doesn’t mean it’s a norm we should be comfortable with. In fact, insufficient sleep can affect our health for the worse. Here are just some of the health issues that lack of sleep are associated with: Obesity Type 2 Diabetes Cardiovascular disease Injuries...
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    New Parents Protect Your Family
    • When Should I Review My Life Insurance Coverage?
    • Date: December 09 , 2020
    • Big life events require big investments. When you’re preparing for big life changes - such as buying a house, having a baby, or gearing up for retirement - you’re probably reviewing your finances and considering how you’ll achieve your financial goals. At these moments, it’s a good idea to review your life insurance policy. Does your current policy accommodate your changing priorities? Does your policy fully protect your assets and help secure your family’s future? Here are a few examples of how big life events may change your life insurance needs. Buying a New Home Buying a new home is a significant purchase and often means taking on debt. With the rising cost of home ownership - the average Canadian home now costs $586,000 (up 18% in the past year!) - many Canadian families need two incomes to pay their mortgage. If you were to pass away, would your family...
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