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Group Insurance Will Look After Me, Won't It?

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Sally has been working for the same company for over twenty years. About a year ago, she was given a new group benefits booklet because her employer had switched insurance companies. Like most people, she put it aside and intended to read it when she "had the time." Sally was just diagnosed with terminal cancer and made the time to read her group booklet. She was upset to learn that the life…

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Anatomy of a Market Correction

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The origin of the recent stock market correction started earlier in the spring of this year. During the month of April, the Canadian, U.S. and many other global stock markets achieved new record highs. Instead of celebrating such a numerical milestone, many media commentators started wringing their hands in worry and expressing their fears about an impending market crash as a result of the high…

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What Will Be Sacrificed

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Many believe that if they need long term care, either in their home or in a facility, that the cost will be covered by provincial health care or other government agencies. While there are certain programs available, a significant portion of these costs are the responsibility of the patient. Ted and Martha had been retired for about ten years when Martha developed a cognitive impairment. Ted was…

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The Big Squeeze!

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“Everyone wants to live at the expense of the state. They forget that the state lives at the expense of everyone.” - Frederic Bastiat By the time that you read this article, it is very likely that the Federal elections will soon be over. When all the back slapping, hand wringing and hyper-analysis is done, the new political regime will be faced with one inescapable challenge. Consider the…

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How Should I Insure My Mortgage?

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Ron and Susan are arranging a mortgage and the banker asks if they'd like to include life insurance to pay it off on death. Sounds like a good idea, so they decide to take it. After filling out and signing a few more forms, they have it. Or would your family be better off if they collected the insurance, and then decided whether or not to pay off the mortgage? Since a house without a mortgage isn…

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