January 23, 2012

Pay Down Mortgage FASTER?!?

New twists in mortgages fuel debate By Garry Marr, Financial Post January 14, 2012 Long-term mortgage rates have dropped to the lowest point in Canadian history – and the stampede to lock in is expected to pick up. Bank of Montreal became the first major financial institution to bust through 3%, with its 2.99% closed fixed-rate mortgage for five years. Others are sure to follow. If five years isn’t long enough for you, ING Direct has weighed into the current mortgage discussion with a 10-year, fixed-rate product at 3.89%. The added bonus of going longer than five years is that Read more…

Younger investors more likely to maximize RRSP contributions, study shows

If you knew that 15$/mo in savings can lead to Hundreds of Thousand of dollars towards your Retirement, would you jump at the opportunity? The majority of the population are SCARED because they do not know what they are going to retire on. This article demonstrates the POWER OF TIME…… Check it out and let me know what you think… Financial Post · Jan. 14, 2012 | Last Updated: Jan. 14, 2012 6:28 AM ET Those furthest from retirement are most likely to maximize their RRSP contributions each year, new research by TD Canada Trust suggests. The study found that Read more…

October 28, 2011

How Much Does Your Debt Really Cost You?

Les Machan Sr. can help analyze your finances to discover the real cost of paying off your debts. You may be paying more than you think! Discover the secrets and start saving your money today. Call us at 514-866-3221 for more information!

October 4, 2011

Retire Your Worries

Interesting article on how the economy is changing and how your retirement is affected by it!
Please leave us your comments or questions on this topic.

September 8, 2011

Four Deadly Mistakes NOT to Make When Purchasing Term Insurance

Watch our three-part video series to learn about the four deadly mistakes NOT to make when you’re purchasing term insurance. Once you’re equipped with these helpful tips, call us at 514-866-3221 or get your free term insurance quote now!

March 29, 2011

Major Challenges Faced by our Baby Boomers

Learn how to create tax free money. This video describes the major problems faced by baby boomers and offers financial solutions to help.

Find Out How To Pensionize Your Nest Egg

Watch this video to find out more!

 



March 3, 2011

The Power of Deferral

Michael Nairne, Financial Post · Saturday, Feb. 19, 2011 Wealthy people have a peculiar problem. Yes, they pay a boatload of taxes, but that alone is not the issue. Much of the income of many high net worth investors is taxed at the highest marginal rate. With top marginal rates approaching 50% on interest and other income for most Canadians, this tax bite seriously erodes investment returns. Take a bond yielding 4%, for example. At a 50% tax rate, the after-tax return is only 2%. That is just the tip of the iceberg. This calculation fails to consider inflation. Net Read more…

March 2, 2011

Companies get tough on employee pensions

  Debt-laden funds. Defined-benefit plans make way for ones with defined contributions   By PAUL DELEAN, The Gazette January 19, 2011     Companies with large pension-fund deficits are starting to play hardball with employees, and it may just be the tip of the iceberg. “Used to be that few employers were ready to fight over it, but times are changing,” Michel St. Germain, a partner at Mercer Canada and pension-fund consultant, told the firm’s annual pension-outlook conference in Montreal yesterday. In Sudbury, a yearlong strike did not deter Vale Ltd. from its plan to switch new employees to defined-contribution plans, Read more…

Do you own property in the US? Estate Tax Rises from the Dead

Jamie Golombek, Financial Post · Friday, Dec. 31, 2010 If you’re a wealthy U.S. citizen or a wealthy Canadian who owns property in the United States or holds significant U.S. equities in your stock portfolio, you may want to be extra wary of who’s pouring your eggnog at Friday’s New Year’s Eve party. That’s because in less than 24 hours, the dreaded U.S. estate tax will resurrect itself from the grave. In other words, die before midnight tonight, no U.S. estate tax. Die on January 1, 2011 or later and your heirs may face an estate tax of 35%. U.S. Read more…

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