About Manulife One

Most Canadians manage their finances by doing two things:

• Depositing their income and other short-term assets into chequing and savings accounts.
• Borrowing when they need to, through mortgages, lines of credit,
  personal loans, and credit cards. 

Sounds simple enough. Unfortunately, they usually receive low or no interest on the money they deposit, while they pay high interest on the money they borrow.

Wouldn’t it make more sense if the deposits and borrowings were combined? Why not have every dollar you earn paying down your debts until you need to spend that money?

Manulife One does just that – and more! It brings your mortgage, savings and income together into one multi-purpose “borrowing and chequing” account.

Now, your income can instantly reduce what you have borrowed. As you pay bills and other expenses throughout the month, the amount you owe will slowly go back up, but you’ll still be much further ahead. With Manulife One, every day that even a dollar of your income stays in your account, you have less debt and so, you pay less interest.

The idea behind Manulife One is simple: having your income and savings work harder to reduce your total debt faster.

How Manulife One works

Manulife One could save you thousands in interest costs and help you become debt-free years sooner compared to
your old way of banking.

What’s your Manulife One Number?
Discover your Manulife One Number – it’s the amount of interest you could save over the life of your mortgage, simply by switching to Manulife One.  This all-in-one account can help save you money, reduce your debt faster and simplify your finances. Because your chequing account, savings account, line of credit and mortgage don’t need to be separate.

Interested in learning more ... call us at 905-295-2341

I am back to work FULL TIME!

Hey Everyone ... Yes I am aware I have a post here already BUT some things in life has changed.

I am back to working full time !!!! YAY

If you require any of the following services PLEASE keep me in mind or feel free to call any time.

Income Tax

Life Insurance , Travel Insurance, accident and sickness insurance, house insurance

RRSP

Mutual Funds

Segregated Funds

RESP for your children

Retirement Planning

Tax savings

Debt Management

Budget Planning

MORTGAGES



I work with Investment Planning Counsel and have an office in Chippawa. We offer all related services.

We of course can review your current portfolio or if you havent begun down this road we can teach you th ways.

Looking forward to speaking with you soon!
Ashley (905) 295-2341 (office)

Marriage and Finances - the number one threat to a marriage

As I'm sure you're aware, money is often an issue that couples disagree about, stress about, fight about, as we all bring different philosophies and backgrounds to the table.


Think about where you, as a couple, are financially, and how you got there. Now consider where would you like to be financially.

With that in mind, here are some issues for you both to consider.

Debt Management

I can help you come up with a strategy for eliminating debt. For example, are you paying too much on your credit cards and loans? Instead of paying 18% to 20% interest for consumer debt, it may make sense to consolidate your loans for a much lower rate — perhaps as little as 6%, depending on your credit history and current financial situation.



We can also discuss both of your feelings concerning debt — and go through what's considered good debt versus bad debt. I can help you to come up with an action plan for tackling any debt.

Budget Management

What's a fair arrangement for paying the bills? Who's responsible for what? Should you have individual accounts or joint accounts? I will work with you to create a household budget that will help you establish control over your finances. Together we can determine your combined assets, liabilities and what current expenditures need to be eliminated or adjusted so you can achieve your goals.

Contingency Planning and Retirement Planning

A good rule of thumb is to save 10% of your collective net income. Some of the savings can go into an emergency savings account and the rest could be put towards short-term goals like saving for a new car or long-term goals like retirement.

Insurance and Estate Planning

You'll need adequate insurance to protect your spouse from liabilities in the event of a death or disability. You may also want to review your wills and powers of attorney to ensure your wishes are still reflected in those documents.



I hope you find these tips useful. Contact us at your local Investment Planning Counsel and we can discuss your personal situation in more detail. 905-295-2341

Tax Savings - a step in the right direction

If you're like many people, you may not really start thinking about your taxes until April when it's time to file your return. However, by the time taxes are due, it's usually too late to make any significant changes in order to realize tax-saving opportunities.



Now is the time to determine if there are any tax situations you can take advantage of by acting before the end of the year. With this in mind, there are a number of tax-related questions and issues that we may need to discuss soon in order for you to get the most out of this tax year. For example:

Do you have the proper Tax Free Savings Account? The new Tax-Free Savings Account (TFSA) is a flexible, registered general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs.

• If you currently have a TFSA is it really making the return you envisioned? We can re-visit this account and insure it is in a vehicle making higher returns.


• Considering opening a TFSA? We should talk about your growth goals and place your TFSA in the appropriate funds.



A few benefits to what we offer with IPC as compared to your local bank:


• The ability to add a beneficiary designation
• 2009’s growth in our corporate bond TFSA was 29% compared to the local bank of 1.2%


Are you giving to charity? Whether you wish to give cash, property or securities, it is important to make sure that all donations are made by December 31 in order to realize the tax benefits on your 2010 return.



Do you have any non-registered mutual fund purchases planned? Many mutual funds distribute their earnings at the end of the year, meaning that investors who purchase them in December will be liable for taxes on those earnings as if they had been invested for the entire year. We can get an estimate of what this year's distributions will be to determine if it might be worthwhile to postpone non-registered mutual fund purchases until January.



Have you turned 71 this year? If you have turned 71 in 2010, you must convert your RRSP to a RRIF, annuity or a combination of the two. Failing to make this decision by the end of December could result in your entire RRSP portfolio being considered taxable income for the year. Also, if you'd like to make one last top-up contribution to your RRSP, it has to be done by the end of the year.


Can you benefit from tax-loss selling? Losses on certain assets ― mainly stocks ― can be offset against capital gains that have been realized during the previous three years. Now is the time for us to review your portfolio to determine if there are any equities for which you want to lock in the losses before year-end.


In addition, final payments must be made before December 31 in order to claim a tax deduction in 2010 for various items including alimony payments, child-care expenses, interest expenses on money borrowed to earn investment income and investment counseling fees.

Contact us at your local Investment Planning Counsil to dissuss your options and move forward on your tax savings. 905-295-2341.

FOR IMMEDIATE RELEASE:ALKALETE™ Proven Stronger than OTC Ant-Acids...

Salt Lake City, Utah – July 1, 2010 Yoli, Inc., and pH Sciences Holdings, Inc., partners in the development and promotion of the patented Alkalete nutritional supplement announced the results of a comparative study of alkalizing agents conducted by Pacific Testing Laboratories.

The study tested the acid neutralizing strength of two well-known alkalizing agents – TUMS® and Maalox® – compared to Alkalete. Alkalete is a patented alkalizing composition of minerals recognized by the U.S. Food and Drug
Administration as a new dietary ingredient – a designation of product uniformity and safety. Yoli uses Alkalete in a range of products because it is a strong, safe, uniform, ingredient with superior body alkalization effect, which is proven to improve energy and vitality for active lifestyles. Pacific Testing Laboratories, an independent testing lab in Seattle, WA, measured the quantity of three alkalizing agents needed to raise the pH of 150ml of an HCl (hydrochloric acid) solution from an initial 2.0 pH to 6.0 pH. This standard laboratory bench test is used to comparatively measure the strength of alkalizing agents.

David Matteson, co-founder of pH Sciences, said, “Many Yoli distributors have asked me how does Alkalete compare to other antacids and alkalizing agents in the market. I thought this simple study would be useful to understand how unique this patented formulation truly is. The results are phenomenal, and clearly demonstrate Alkalete’s superior acid buffering strength.”
The study’s results showed that Alkalete’s power to neutralize acid is:

• 12 times stronger than TUMS, and
• 17 times stronger than Maalox in neutralizing acid.

This is particularly impressive since, as Robert Burns, Ph.D., Chief Scientific Officer, observed, “As impressive as these results are, I think this study actually understates the alkalization power of Alkalete. Because of Alkalete’s unique manufacturing process, it releases its alkalization strength very slowly. Therefore, I believe that we’re only seeing a fraction of its true strength.” Bobby Jones, co-founder and Chief Logistics Officer of Yoli, commented, “Calls from Yoli customers and distributors pour into Yoli headquarters daily confirming what we already knew from these studies; people feel better on Alkalete. It’s a powerful, all natural, acid neutralizer that doesn’t have all the chemicals and fillers of other products.”

Matteson added, “Lay chemists sometimes compare the ingredients in Alkalete with TUMS. The ingredients in TUMS and Alkalete are similar. However, this study confirms the patented formulation for Alkalete is much more powerful than any OTC antacid or alkalizing agent on the market.” Corey Citron, co-founder and Chief Marketing Officer of Yoli, stated, “Focusing in on just the acid neutralizing benefits alone, Yoli could build a hundred million dollar brand. 

This is just one of the many benefits of Alkalete. Critics agree that Alkalete is a product with true viral potential and those entrepreneurs who recognize this have the opportunity to witness a business explosion like nothing they’ve ever seen.” Yoli, Inc, is a leading distributor of nutritional supplements and healthy beverages. Yoli distributes its products exclusively through direct sales/network marketing independent distributors. pH Science Holdings, Inc. is a life sciences company with world-class technology to manage biological pH levels for better health and improved performance.

Contact Information:

www.yoli-canada.com

Ashley and Brad Brown
905-735-6583

Know More. Worry Less. Live Better - The latest on GM foods

USDA has just released the most recent statistics on use of genetically modified crops in the U.S.

This, of course, does not include sugar beets, which are also in the over 90% range.
How to interpret this? If you eat any processed foods containing corn, soybeans, or beet sugar, you should assume that they have a high probability of containing genetically modified ingredients.

You don’t like this? Choose organics!

You think GM foods should be labeled? Write your congressional representatives!




We live on a planet that is increasingly interconnected. Pollution from China is carried on ocean breezes to the shores of California. Likewise, pollution from the U.S. is carried up to Canada, the Arctic, and beyond. While Healthy Child Healthy World works in the United States, we recognize that for a truly healthy world, we all need to work together.



Great things are happening all over the world. And, often, we rely on the experiences and protective policies passed in other countries to bolster our own local efforts. Here are just a very few of the organizations and initiatives we’ve been keeping our eyes on:

Canada

•Toxic Nation Canadians are polluted with a toxic mix of harmful chemicals. Toxic Nation shows how your body is polluted. And what you can do to get the pollution out of you and all Canadians.

•The David Suzuki Foundation sees a future where Canadians won’t have to think twice about drinking a glass of tap water, eating food from their local grocery store, swimming in a local river or lake, or simply taking a deep breath of air.

•Ecojustice is Canada's largest and foremost non-profit environmental law organization. Much of the casework of Ecojustice aims to establish and expand healthy communities coast to coast to coast, connecting the dots that link environmental and public health and ensuring that all citizens enjoy their fundamental right to a healthy environment.

•Toxic Free Canada brings workers and environmentalists together in cooperative projects for toxics reduction and a green econom





TAKE ACTION!



Your children can’t stay in the safety of your home, under your watchful eye forever. To create a healthy environment, everywhere, we have to take action. Together, we can make the world a healthier place — just imagine what it would look like