The You First Blog

A new amendment under N1-31-103 of the Canadian Securities Administrators will include enhancements to account statements and client disclosure. Investors can expect new cost disclosure that includes: at account opening, what product and service costs they can expect to pay; at the time of a transaction, the transaction cost and any deferred cost; and, annually,… Read More

Federal Budget Highlights

March 22, 2013
Financial Planning
Odette Morin

The March 21, 2013 federal budget introduced specific tax measures aimed at individuals and small businesses. While Budget 2013 did not make any changes to tax rates, some of the changes will affect most Canadians to some degree. Here is a summary of the key elements that may affect your financial plan. New first-time charitable… Read More

It’s spring break time and many will soon be hitting the slopes or going south to the sunshine! Only 41% regularly buy travel insurance, finds a BMO study. Further, 40% have travelled with someone who required medical assistance. Medical emergency can be VERY costly. The U.S. Government’s Agency for Healthcare Research, says that the average cost per hospital… Read More

What would happen to your lifestyle and savings in the event of sickness, accident or a progressive deterioration of your ability to earn income or be independent? Are you in one of these situations? High risk occupation with difficulties to get traditional disability insurance Someone who participates in extreme sports and activities Professional athlete Self-employed… Read More

  “See Everything, Overlook A Great Deal, Correct A Little” -John XXIII   Toronto Closes Higher The Toronto stock market closed higher Friday, helped by energy and mining stocks, while U.S. markets gave back a bit of the enthusiastic gains of recent sessions. The S&P/TSX composite was up 30 points to 12,830, while the TSX… Read More