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All the lessons we've learned from Professor Tim Spector on optimising your health and wellbeing

All the lessons we've learned from Professor Tim Spector on optimising your health and wellbeing

All the lessons we've learned from Professor Tim Spector on optimising your health and wellbeing
Tax Tips to optimize savings –Non-registered accounts

Tax Tips to optimize savings –Non-registered accounts

Take control of your personal finances by understanding the industry better. Check out these resources to get started.

The opinions expressed in this article are of the fund company that owns this content and do not constitute professional advice or recommendation. Please seek advice from a qualified professional, including a thorough examination of your specific legal, accounting and tax situation.
Need a simple way to destress? Stop and notice nature, experts say | CBC Radio

Need a simple way to destress? Stop and notice nature, experts say | CBC Radio

Need a simple way to destress? Stop and notice nature, experts say
Is 40 years old too late to build generational wealth?

Is 40 years old too late to build generational wealth?

Is 40 years old too late to build generational wealth?
How much life insurance is the right amount? Let’s set up some time to discuss the details such as how long you need it and what kind might be right for you. You can walk out feeling more confident and educated on your options.


Script: How much life insurance is the right amount? Simply put, the amount of life insurance you need depends on your unique situation. A good place to start is to figure out how much life insurance you may need… how long you need it for… and what kind might be right for you. Let’s look at an example: Jackie is 33 years old… and has two kids. She has four goals for her life insurance: Leave money to her family to pay off her mortgage. Top up her kids’ registered education savings plans. Pay off her student loans. And, replace her income for 10 years. Based on these goals, Jackie is looking at a 1-million-dollar life insurance policy. If she died, her family could choose to use the insurance payout to: Put 300-thousand dollars toward the mortgage. Add 60-thousand dollars to the kids’ RESPs. Pay off her 40-thousand-dollar student loan. And… cover the family’s ongoing costs with the remaining 600-thousand dollars. How much do life insurance payments cost per month? In Jackie’s case, a 1-million-dollar, 30-year term policy for a non-smoking, 33-year-old woman… could cost about 80-dollars per month. For a man of the same age, it’s closer to 110-dollars per month. How long do you need your coverage to last? For a younger person… or a couple with debt and a mortgage, a 30-year policy or longer may be suitable. For someone in their forties… with little debt and a small mortgage… a 20-year policy might be the right fit. What are your options? Your employer may offer life insurance through your employee benefits. But… it may not be enough. And you can lose that coverage if you change employers. You may want to consider more life insurance. In which case, you have two types to choose from: Term life insurance. And… permanent life insurance. Any amount of life insurance can help give your loved ones some financial security when you die. Your unique situation will inform the amount and type of insurance you need. For more tips and tools, visit sunlife.ca.
Bank of Canada holds interest rate at 2.75% again as 'uncertainty remains high'

Bank of Canada holds interest rate at 2.75% again as 'uncertainty remains high'

Bank of Canada holds interest rate at 2.75% again as 'uncertainty remains high'
11 totally free health and wellness habits to feel better every day

11 totally free health and wellness habits to feel better every day

Experts including osteopaths, GPs and Pilates instructors share their top tips for better health – no cost required
Your insurance needs are unique at every life stage.

Consider layering insurance policies to benefit from more flexible coverage.

Check out our article to learn more and see if it would suit you.
How much does divorce in Canada really cost?

How much does divorce in Canada really cost?

Christopher Liew outlines some of the expected and not-so-expected costs of divorce, to help you prepare and plan if you and your spouse decide it’s time to part ways.
Why Most People Are Saving For Retirement Wrong—And How To Fix It

Why Most People Are Saving For Retirement Wrong—And How To Fix It

Here are six reasons why most people are saving for retirement wrong and how you can avoid making the same mistakes.

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