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5 Things Your Estate Plan Should Include

Posted by Frank Gasper on 13 April 2021
5 Things Your Estate Plan Should Include
Wondering what an estate plan should include? Here's a checklist of items you should have in your estate plan and things you need to do. If you have not read our blog post yet, Do I Need an Estate Plan? I encourage you to do so. It is a short read but paints a really good picture of who needs an estate plan and most importantly, why. You will find out that you're not too young to have an estate plan, it does not need to be expensive and there are plenty of good reasons you sh...
Posted in: TFSA RESP RRSP Financial Advice Estate Planning  

Do I Need an Estate Plan?

Posted by Frank Gasper on 7 April 2021
Do I Need an Estate Plan?
Do I need an estate plan? The answer is most likely a resounding YES although most people wrongly assume they are too young to have an estate plan. This is most likely because they don't know what an estate plan is or because they don't think of themselves as having an estate. After all, estates belong to rich people, right? To better understand why you need an estate plan, let's get some definitions straight: Estate, in this case, refers to your assets (assets = anythi...
Posted in: Estate Planning  

4 Ways to Save for a Down Payment on a Home

Posted by Frank Gasper on 9 March 2021
4 Ways to Save for a Down Payment on a Home
If buying a home or condo is on your future wish list, you'll want to start saving as soon as possible. Here are 4 smart ways you can start saving for a down payment and the pros and cons that go along with them. 1. Use the RRSP Home Buyers' Plan for a down payment The government allows first-time home buyers to use their RRSP savings to purchase a home under the Home Buyers' Plan, tax-free up to $35,000, as long as you pay it back within 15 years. If you are purchasing with...
Posted in: Emergency Fund TFSA RRSP Life Insurance Financial Advice  

Smart Ways To Use Your Tax Rebate

Posted by Frank Gasper on 9 February 2021
Smart Ways To Use Your Tax Rebate
On average, the tax rebate Canadian's received for 2020 was $1,850. How you use your tax rebate can have a huge impact on your financial future, even though it might not be evident right away.  It's important to plan ahead to get the greatest benefit. What is a Tax Rebate? A tax rebate is a reimbursement by the government of taxes overpaid by the taxpayer throughout the year. One of the most common reasons for a tax rebate is due to contributions made to an RRSP, which is t...
Posted in: Budget RRSP Retirement Planning  

Set Yourself up for Financial Success in 2021

Posted by Frank Gasper on 19 January 2021
Set Yourself up for Financial Success in 2021
Whether you set new year resolutions or not, taking one step toward improving your financial literacy and applying that knowledge in 2021 would serve everyone well. Small steps will get you moving in the right direction. Here are some easy ways to get started. Learn About Personal Finance Whether you have lots of time or only a few minutes a week, there are plenty of sources of information on personal finance. Here are some solid recommendations to get you started. Blogs:&...
Posted in: Emergency Fund Budget TFSA Pre-authorized payments  
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