February 2013 Blog Posts (6)

Living your Legacy

A few weeks ago, fellow Kamazooie member, Brad, posted a blog on preserving your financial legacy. At that time, I commented that I wanted to come back and talk more about the non-financial legacy so here comes that.

If you know me, or if you've read my blogs, you may have caught on that I'm a little preoccupied with legacy. Maybe its a fear of dying, or maybe it’s because I struggle with the dreaded "meaning of life". Maybe still, I've seen some great men and women and I aspire to do…

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Added by Brian Ritchie on February 28, 2013 at 4:30pm — 1 Comment

Chasing the dream...

 Ok, perhaps the title overstates it a bit. But ever since I was a young lad I liked to sing. Christmas carols, radio tunes in the back of the '67 Chevy Biscayne that was the family car and, during my teen years, at Christmas parties hosted by the Payette's in my home town of Chapleau. During the early 80s I actually performed a couple of gigs in Chapleau with home town bands. The first group, "People People",…

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Added by Lorne Alan Riley on February 24, 2013 at 3:00am — 3 Comments

Happy Family Day Weekend (at least in Ontario)

Hi there everyone, just a quick one today. 

I caught this clip last weekend about a 3-year-old girl taking her first ride on a train. …

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Added by Brian Ritchie on February 15, 2013 at 2:38pm — 3 Comments

It Took a Lifetime to Accumulate Your Nest Egg. It's Worth Protecting.

Your legacy represents a lifetime of earnings and savings - your lifetime. If it's worth a lifetime to accumulate, it's worth keeping. Preserving your wealth ensures your heirs receive the full value of your legacy.

Remember, the government will probably be an unintended beneficiary of your estate. You may be able to offset your tax liability through careful planning.

What gets taxed upon your death?

  • RRSPs and RRIFs, unless rollover exemption…
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Added by Brad Slade on February 10, 2013 at 12:54pm — 1 Comment

The Perils of Mortgage Insurance

Do you have a mortgage? Did you sign up for mortgage insurance? This is usually found at the end of the mortgage application. You answer a few simple health questions and you're done. Right? Wrong.

Here's why:

  1. The lending institution owns and controls the policy. They decide who the beneficiary is and it's not you. Not your spouse. They are. They control the use of the death benefit.
  2. Policies can be cancelled at any time without your approval.
  3. Premiums…
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Added by Brad Slade on February 10, 2013 at 11:58am — No Comments

Top 10 RRSP Tips

Hi folks,

Here are my top 10 tips to get the most out of your Registered Retirement Savings Plan:

  1. Maximize Your Contribution. A $10,000 contribution equals $4,500 in deferred tax savings (assuming your tax bracket is 45%). Got lots of contribution room? Consider a RRSP loan. The tax savings should exceed the interest paid on the loan.
  2. Contribute Early. Making a lump sum contribution in early March rather than…
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Added by Brad Slade on February 10, 2013 at 10:00am — No Comments

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Blog Posts

Choosing a Laboratory Cabinet for Your Laboratory

Posted by Jack Smith on August 8, 2022 at 6:10am 0 Comments

For those in charge of laboratories, selecting the right industrial furniture for a lab can be challenging. Various factors such as safety requirements, storage needs, and function dictate the type of lab furniture one would require. No two laboratories are the same. While some will be basic, others have sterilization processes or microbial protections required. The biggest question revolves around the material used in the lab cabinet as well as countertops. This is a decision that one must…

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Keep Your Laboratory Organized With The Best Lab Cabinets.

Posted by Jack Smith on July 18, 2022 at 6:54am 0 Comments

Industrial laboratories mostly have several products scattered almost everywhere, making it look like a mess. This reduces the overall appearance of the place and surely makes it impossible to maintain a certain productivity rate. A laboratory of a company is the backstage in which the main things are operated. This is why it is essential to keep it well organized. A proper way of making sure your lab is organized and you find every product from time to time is by investing in a…

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5 Things To Expect From A Hearing Clinic

Posted by Jack Smith on May 17, 2022 at 5:27am 0 Comments

It is completely normal for any individual to act nervous when visiting a hearing clinic or audiologist for the first time. If an individual is experiencing itching, hearing loss, ringing or any type of pain in the ear, a visit to the nearest hearing clinic is always recommended. Contrary to what people believe, professional ear cleaning is simple and pain-free.

Like anywhere else in the world, many people suffer from hearing difficulties and ear-related problems in…

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5 Signs You Might Need a New Gas Fireplace Right Away

Posted by Jack Smith on May 17, 2022 at 4:56am 0 Comments

A fireplace is an integral feature of any home's heating system and needs regular upkeep. Whether you have a gas fire or an electric fire, fireplaces are a useful convenience for any house. It's also practical, and when it's operating well, it may reduce your monthly heating utility expenses. Nevertheless, a fireplace does need regular maintenance, and you will need to consider a fireplace installation or…

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