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Author Archives: Sindy

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Simple Steps To Effective Retirement Savings

When talking to prospective patients or engaged in consultations you probably spend a lot of time clarifying what you do. People see NDs because they’ve heard good things about the profession, or have a friend who had good results. Regardless of the positive feedback, there’s still some …

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Estate Planning – Transferring Assets

Where’s the Money? Having the conversation with family members about estate and succession planning may not be the easiest. However, initiating the conversation may prove to be beneficial for all involved.   There are options available for saving on fees, saving …

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Beware Of Bad Advice!

Earlier this year the CBC ran a hidden camera investigation examining financial advice offered at big banks and top investment firms.  The results were shocking or more appropriately ‘atrocious’ as per the article. “If you walk into a financial institution, …

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Entry/Exit Border Initiatives

As of June 30, 2014, travellers are now “checked-in” or “checked-out” of Canada and the US. Both countries are recording and sharing entry/exit data as part of the Entry-Exit Initiative and the Perimeter Security and Competitiveness Action Plan. The intent is …

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Considering Critical Insurance

My latest article CONSIDERING CRITICAL INSURANCE appears in the BCNA’s Summer issue.

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Are You An Online Investor?

A recent TD Bank survey found that 42% of Canadians now research investment options online, while 25% purchase investments online. TD says that research also shows that although men still make up about two-thirds of online investors, a growing number of …

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Attending Physician Statement – Your Role As A Physician

  Life and Health insurers often require medical information and attending physician statements (APS) in order to underwrite insurance applications. As an insurance advisor I have received enquiries from ND’s asking about the role and responsibilities as physicians in regard …

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Posted in BCNA Bulletin Articles, Spring 2014 Bulletin | Tagged , | Leave a comment

ICE – In Case Of Emergency

We all carry our mobile phones with names and numbers stored in its memory but nobody, other than ourselves, knows which of these numbers belong to our closest family or friends. If we were to be involved in an accident …

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How To Avoid A Huge Cellphone Bill

Before heading off to sunnier destinations consider doing your homework when it comes to cellphones because if you use your Canadian –carrier mobile phone when travelling you’ll come home to a crushing bill. Upon their return from a trip to …

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Tax Credits For Students

Are you familiar with the three basic non-refundable credits that most post-secondary students qualify for? The education credit The textbook credit The tuition credit All three of the above are non-refundable, meaning they cannot be used to generate a tax …

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Tax Tips Catering To Small Businesses

Many will remember 2011 as a year of economic challenges. Small business owners in particular have had it rough and while they hope for a better year ahead, there are still a few things they can do to end this …

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The Science of Smart Spending

We’ve all suffered at one point or another from buyer’s remorse: the expensive handbag, the antique chair, the velvet suit and the countless kitchen paraphernalia that promise to cut our cooking and preparation time in half but that we in …

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TFSA or RRSP: It’s all about the tax

  Still unsure about the differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP)? According to Alfred Roissl, a Toronto-based managing director with Desjardins Financial Security Independent Network, it’s all about the tax. First, let’s …

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Fair Treatment for Consumers

This year’s budget as predicted contained few surprises with the government continuing to address consumer concerns. You may be aware that cable and telecom firms have started adding a $2 fee on any bill that arrives in the post, the …

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Make the Decision to Change Today

Are you feeling stuck or overwhelmed by your financial obligations?  Maybe you’ve made some poor financial decisions or haven’t put away enough for retirement and feel you will never be able to retire comfortably. At a recent Fraser Valley Real …

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Do You Have Financial Regrets?

A new poll from Edward Jones suggests most Canadians would make changes to the financial decisions made in life, despite being satisfied overall. And younger Canadians appear to be most dissatisfied with their financial decisions. According to the poll, almost …

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Attention Naturopathic Doctors! Training offered by OHM Medical Training Services

According to the Heart and Stroke Foundation up to 40,000 cardiac arrests occur each year in Canada. That’s one cardiac arrest every 12 minutes. Without rapid and appropriate treatment, most of these cardiac arrests will result in death. Many of …

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Tuesday Tips on How To Cut Expenses

1)      Do you have Cable tv? If so, do you really need all those channels?  Consider cancelling Cable and watch Netflix. 2)      Are you going out to buy lunch and/or coffee every day?  Pack your own lunch and save! 3)      …

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What does RICH mean to you?

  At the annual CustomPlan Financial meeting I had the privilege to reconnect again with Robert M. Gignac and hear him speak about personal finance.             I also got his book Rich is a state …

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The Wisdom behind Saving

Last week at the annual CustomPlan Financial meeting I had the privilege to reconnect again with Robert M. Gignac and hear him speak about personal finance. I also got his book Rich is a state of Mind.   I love …

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