FiscalAgents.com Money Management Newsletter - 08/2012

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August 2012,
Issue 101
Five reasons why women should have their own will

Making a will is a sensible and worthwhile task that everybody, whatever their age or financial status, should do. However there are some special reasons why women should make a will of their own.
Use
the Read
More
link to view the complete article.


Teaching financial basics has never been easier

Many parents want their children to learn the principles of sound money management so that they can make the best financial decisions later on. But parents don't always have the knowledge they need to guide their children. Parents will be happy to learn that there are tools available to help their kids learn the basics of personal finance.
Use
the Read
More
link to view the complete article.


Renovating? Contact your insurance company

If you're planning some major home renovations this year, you have some important insurance-related things to remember before you get started. We asked Tara Lessard-Webb, an underwriter with Desjardins General Insurance Group, to share her do's and don'ts about home insurance and renovations:
Use
the Read
More
link to view the complete article.


Don't Bet Your Retirement on a Simple Approach

You have probably heard about the old 70 percent rule that suggests retirees will need the equivalent of about 70 percent of your current income level to maintain their lifestyle in retirement. This assumes that your retirement living costs will be 30 percent less than during your working years. While it may have been applied appropriately for retirees two or three decades ago, it is fraught with significant risk and potential disaster for today's retirees.
Use
the Read
More
link to view the complete article.


The Little Black Book of Scams

The Competition Bureau of Canada has developed the Canadian edition of The Little Black Book of Scams to increase awareness of the many types of fraud that target Canadians and to share some easy steps they can take to protect themselves. The booklet will arm you in the fight against fraud.
Use
the Read
More
link to view the complete article.


Hiring or electing a relative to be an executor - the challenges

If you ask anybody who has been an executor, they freely admit it has its challengers, and in some cases it’s a nightmare where beneficiaries act in their own self interest and with those events, spurning family rifts that in extreme cases end in court action and resentment lasting a life time.
Use
the Read
More
link to view the complete article.


New: Bank External Complaint Bodies (ECB's)
Provided by Kenmar Associates

The Federal Government is planning to legitimize Federally regulated banks to appoint their own complaint resolvers . The Government calls these for-hire complaint resolver
firms External Complaint Bodies. TD Bank and Royal Bank have already contracted with a for-profit firm, ADR Chambers and quit the established Ombudsman for Banking Services and Investments.
ECB's represent a clear and present danger for retail bank clients. Here are just a few reasons to be on alert if the oppressive regulation actually is implemented:
Use
the Read
More
link to view the complete article.


Fiscal Agents Launches MoneyGuide iPhone Application - And its free!

The MoneyGuide app provides conservative investors with guaranteed investment (GICs) rates of return, mortgages, retirement and tax free saving accounts, along with product and company profile information. Now you can keep up-to-date anywhere you go – sort by term, deposit amount, issuer. On screen statistics, hundreds of data points and updated throughout the day.
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the Read
More
link to view the complete bulletin.


Today's
Market Rates
 
Taken from the FiscalAgents.com
Money Centre
, as of 29/8/12
Term
Deposits
1.60%
Annually,
270-364
Days, $5,000
GICs
2.63%
Annually,
5 Year, $5,000
Maximum
Rate
2.66%
Annually,
5 Year, $25,000
RRIFs

2.65%


Annually,
20 Years, $100,000
RRSPs
2.66%
Annual,
5 Year, $25,000
Savings
a/c
1.75%
Daily
Click the link below to view our best-offered rate table.
  The Best of
our Best

Mutual
Fund Statistics:
July 2012
Assets
under management:


$802.7 billion


Net
sales
(excludes reinv.distr.):
$2.12 billion
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Copyright ©2012 Fiscal
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All rights reserved.


The information contained in this newsletter is intended only as a general guide
and may not be suitable for certain individuals. If expert advice is warranted,
readers are urged to consult a competent professional. While any investment, legal,
tax and accounting information, contained herein, has been obtained from sources
believed to to be accurate, constant changes in the legal and financial environment
make it imperative that readers confirm this information before making financial
decisions. This newsletter is not and under no circumstances is to be construed
as an offer to sell or the solicitation of an offer to buy any securities. This
newsletter is furnished on a basis and understanding that Fiscal Agents Ltd.,
Fiscal Agents Insurance Ltd. cannot be held responsible or liable for liability
a reader of this newsletter may suffer as a result of reliance on information
contained herein or omitted. © 2012 This newsletter is protected by copyright
and all rights are reserved. Money Management Made Easy® is a Registered
Trade Mark of Fiscal Agents. Mutual Funds offered through IPC Investment Corp.
Commissions, trailing commissions, management fees and expenses all may be associated
with mutual fund investments and the use of an asset allocation service. Please
read the prospectus of the mutual funds in which investment may be made under
the asset allocation service before investing. Mutual Funds are not guaranteed,
their values change frequently and past performance may not be repeated. Fiscal
Agents Financial Services Group, P.O.Box 5000, Oakville, ON. L6J 5C7 (905)844-7700

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