#Ottawa financial advisors

[potvinfinancial]

Financial Advisors Ottawa

Why Choose Us: Your Partner For Financial Clarity And Confidence

When it comes to managing your finances, having the right partner by your side can make all the difference. At Potvin Financial, we pride ourselves on being your trusted financial advisors Ottawa, offering a range of services tailored to your unique needs.

Our goal is to provide clarity and confidence in your financial journey and ensure that you have the right strategies in place for a secure future.

A Generational Legacy of Trust

Potvin Financial is not just another financial advisory firm; we are a generational business. Founded by Kevin Potvin, a second-generation financial advisor with over 20 years of experience, we bring a wealth of knowledge and a deep understanding of the financial landscape.

This legacy allows us to approach financial planning with a perspective that combines tradition and innovation. We ensure that our clients benefit from proven strategies while adapting to modern challenges.

Specialized Expertise in Retirement Strategies

Retirement can be both exciting and daunting. With our specialized focus on retirement strategies, we aim to take the stress out of planning for your golden years.

Ottawa financial advisors understand that every client has different goals and concerns about retirement. That’s why we offer individualized retirement plans catering to your needs.

From retirement transition planning to income planning and investment decumulation strategies, we ensure that you have a solid roadmap toward a comfortable retirement.

Comprehensive Financial Services

At Potvin Financial, we offer a comprehensive range of services that go beyond mere investment advice. Our offerings include investment planning, ongoing investment management, insurance planning, and estate planning. This holistic approach means that you can rely on us for all aspects of your financial life.

Whether you want to grow your investments, secure your family’s future through insurance, or plan your estate effectively, we have the expertise to guide you.

A Network of Experts at Your Service

One key advantage of working with Potvin Financial is our extensive network of experts. We collaborate with specialists in tax, accounting, mortgage, and legal fields to ensure that you receive well-rounded advice.

This collaborative approach means that you don’t just get financial planning; you get a team of professionals working together to optimize your financial situation.

We aim to provide you with a seamless experience and comprehensive solutions tailored to your needs.

Four Simple Steps to Get Started

Getting started with Potvin Financial is easy. We follow a simple four-step process to ensure you feel comfortable and informed throughout your financial journey.

First, we consult with you to understand your goals and aspirations. Next, we clarify the terms of our working relationship. Then, we execute by customizing a plan that suits your needs.

Finally, we manage your investments with ongoing updates and regular performance reviews, ensuring that you remain informed and confident in your financial strategies.

Client Testimonials Speak Volumes

At Potvin Financial, our clients are our biggest advocates. We take pride in the positive feedback we receive, which reflects our commitment to excellence and customer satisfaction.

Our clients appreciate our personalized approach, attention to detail, and the genuine care we show in helping them achieve their financial goals. Their success stories inspire us to keep striving for the best outcomes for all our clients.

Conclusion

Choosing Potvin Financial means choosing a partner dedicated to your financial clarity and confidence. We understand that navigating the financial landscape can be overwhelming, but with our expertise and support, you can face the future with assurance.

Whether you’re planning for retirement, managing your investments, or preparing your estate, we are here to help you make informed decisions that will pave the way for a secure financial future. Let’s embark on this journey together, ensuring that your financial dreams become a reality.

Check out our website to get more information about Investment Advisor Ottawa!

[formidableluzmaria]

2024-12-29dic

Espersndo en Crescent ztown a que base Mayra, que tiene ahora desde el 7 de noviembre, un trabajo de financial advisor, via zoom/telefono asi que se ahorra el costo y el tiempo de viajar

Estuvo en entrenamiento hasta el 17 de diciembre y ayer se graduo

.olvio de Ottawa con Syed el 24 a las 12 de la noche y volvieron en autobus tambien 26 de dic a las 7 de la mañana 12+ horas de viaje y 24 en Ottawa.

[seo1718]

Kootenay Cash Advance: Mountainous Financial Solutions

In the rugged,online emergency loan in ottawa picturesque landscape of the Kootenay region of British Columbia, a financial services company is helping local residents overcome the unique challenges of mountain living. Kootenay Cash Advance, a leading provider of short-term loans and personal financial solutions, has established itself as a trusted resource for communities nestled among the towering peaks and rushing rivers of this breathtaking corner of Canada.

The Kootenay region, with its remote towns and villages, presents distinct financial hurdles that urban and suburban dwellers may not encounter. Residents often face longer travel times and limited access to traditional banking institutions, making it difficult to quickly address unexpected expenses or cash flow issues. This is where Kootenay Cash Advance steps in, offering a lifeline to those who need fast, reliable financial assistance.

"Living in the mountains comes with its own set of realities," says Sarah Delaney, the founder and CEO of Kootenay Cash Advance. "Our clients may be hours away from the nearest bank branch, and they simply can't wait days for a loan approval. That's why we've tailored our services to meet the unique needs of our mountain communities."

Kootenay Cash Advance's signature product is the Kootenay Cash Advance, a short-term loan that can be approved and funded within 24 hours. This rapid turnaround is crucial for residents facing pressing financial obligations, such as vehicle repairs, medical bills, or unexpected home maintenance costs. The company's streamlined application process and flexible repayment options ensure that clients can access the funds they need without navigating a maze of red tape.

But Kootenay Cash Advance's commitment to its community goes beyond simply providing loans. The company has also established partnerships with local financial advisors, credit counselors, and small business support organizations, offering holistic guidance to help clients achieve long-term financial stability.

"It's not just about the loan," Delaney explains. "We want to empower our clients to make informed decisions, build their credit, and ultimately become more self-sufficient. Our goal is to be a trusted partner in their financial journeys, not just a lender."

This comprehensive approach has earned Kootenay Cash Advance a reputation as a champion of mountain communities. The company's dedication to understanding the unique challenges faced by residents has made it an invaluable resource for individuals and families navigating the financial complexities of life in the Kootenays.

As the region continues to grow and evolve, Kootenay Cash Advance remains steadfast in its mission to provide mountainous financial solutions.payday loans in alberta By bridging the gap between the realities of rural living and the need for accessible financial services, the company is ensuring that the residents of the Kootenay region can thrive, even in the shadow of towering peaks.

[proficiencytaxca]

Financial Planning Services in Ottawa, ON: Proficiency Tax

Discover comprehensive financial Ottawa, ON, tailored to help you achieve your financial goals. Our expert advisors provide personalized strategies for retirement planning, investment management, tax optimization, and estate planning. Trust us to guide you through every stage of your financial journey, ensuring a secure and prosperous future. Contact Proficiency tax today to schedule a consultation and start building your financial success story.

[esgagile]

The benefits of a LEED green building certification for your company

As an LEED Consultancy in Agile Advisors, the construction industry is transforming in Canada and globally due to the growing popularity of green building. Renovating or constructing a building to a green standard like LEED (Leadership in Energy and Environmental Design) usually results in significant savings on energy, water, and maintenance expenses, decreased employee absenteeism, and increased productivity. Furthermore, building green is less expensive than you may imagine. LEED is not just a popular green building standard in Canada, but it's also a global frontrunner, rapidly gaining recognition and adoption worldwide. Globally, over 1.2 billion square meters of office and institutional space have earned LEED certification. An additional 160,000 square meters are verified every day. All upcoming buildings in Public Works and Government Services Canada, as well as over twenty Canadian municipalities (including Montreal, Vancouver, and Ottawa), must comply with LEED criteria. We anticipate higher adoption but with more focus on seeming to meet the minimum requirements at certification stages if these forces fuel an RTB.

Agile Advisors, a leading LEED Consultant, BDC has adopted LEED as well. Eighty to ninety per cent of the materials and furniture used in office improvements meet LEED criteria, and two new branches have earned LEED certification. Moreover, BDC provides loans for LEED-certified building and refurbishment projects. Strict requirements in site planning, water efficiency, energy use, material selection, indoor air quality, and architectural characteristics must be met by newly constructed structures and retrofitted existing buildings to receive certification. You will get special access to information on the most recent advancements in green building technology as a participant in the best green building accreditation program. Updates on new energy-efficient construction materials, techniques to enhance indoor air quality, cut back on water use, and even lessen light pollution are all included in this. Buildings near the threshold are more likely to have exaggerated their performance to achieve a higher certification level, even though each LEED-certified building is driven by a combination of environmental performance and marketing benefits.

Agile Advisors provide LEED certification companies, maintaining current with emerging methods has several advantages for your contracting company. With your LEED accreditation, you can reassure clients that you can finish projects in compliance with the strictest green construction guidelines. Achieving LEED accreditation grants distinction to individuals and organizations alike. This covers both individual and business listings in the LEEP AP directory. Participants gained recognition in the LEED Certification process and a credential desirable to potential jobs or clients. Companies that achieve LEED accreditation show their dedication to green building practices and the LEED rating systems. They also receive automatic credit toward the certification of a LEED building. Additionally, it adds value and marketability to the building design and construction sector. Late adopters who give in to pressure like this may be less likely to link certification to significant advancements.  

We are LEED certification companies, the advantages, such as higher pay, increased job opportunities, a competitive edge in the labour market, and an improved professional reputation, are just the beginning. It's an investment in your future, equipping you with the knowledge and skills to thrive in the expanding field of green building. It's a step towards personal development and creating a more sustainable planet. The financial benefits of LEED certification are not to be overlooked. As a building advances in the certification tier, its financial premiums rise significantly. This financial incentive, coupled with the marketing advantages, motivates many to invest in LEED credits. The intangible benefits, such as advantageous permitting and local regulatory treatment, further enhance the financial appeal of LEED certification. Inmates find it uncomfortable due to changes in vernacular architecture design, such as lowered ceiling heights and altered wall thicknesses.

[deanandassociates-blog]

Navigating Finances with Expertise: The Role of Accountants in Ottawa

In the bustling city of Ottawa, where business thrives and individuals strive for financial success, the role of accountants cannot be overstated. From managing taxes to providing strategic financial advice, accountants play a crucial role in helping businesses and individuals navigate the complexities of finance. In this blog, we explore the significance of accountants Ottawa and how their expertise contributes to financial well-being.

Understanding the Role of Accountants

Accountants are more than just number-crunchers; they are financial experts who offer a wide range of services tailored to meet the unique needs of their clients. Whether it's tax preparation, auditing, budgeting, or financial planning, accountants possess the knowledge and skills to provide invaluable assistance.

In Ottawa, where businesses operate in a dynamic and competitive environment, accountants serve as trusted advisors, guiding organizations through financial challenges and helping them make informed decisions to achieve their goals. They also play a vital role in ensuring compliance with local and federal regulations, safeguarding businesses from potential legal and financial risks.

The Importance of Professional Expertise

While some individuals and businesses may attempt to manage their finances independently, the complexity of modern tax laws and financial regulations makes professional expertise indispensable. Accountants in Ottawa undergo rigorous training and certification processes, equipping them with the necessary skills and knowledge to address even the most intricate financial issues.

Whether it's optimizing tax strategies to minimize liabilities or conducting thorough audits to ensure financial accuracy, accountants leverage their expertise to deliver tangible benefits to their clients. By staying abreast of industry trends and regulatory changes, they provide proactive guidance that can help clients adapt to evolving financial landscapes and seize opportunities for growth.

Tailored Solutions for Diverse Needs

One of the key strengths of accountants in Ottawa is their ability to offer personalized solutions tailored to the specific needs of each client. Whether it's a small business seeking to streamline its accounting processes or an individual looking to maximize tax deductions, accountants take the time to understand their clients' unique circumstances and develop customized strategies to address their concerns.

In addition to traditional accounting services, many accountants in Ottawa offer specialized expertise in areas such as forensic accounting, business valuation, and financial consulting. This diverse skill set allows them to serve clients across various industries, from healthcare and technology to retail and manufacturing, offering insights and solutions that drive success.

Building Long-Term Relationships

Beyond providing transactional services, accountants in Ottawa focus on building long-term relationships with their clients, serving as trusted advisors throughout their financial journey. By gaining a deep understanding of their clients' goals, challenges, and aspirations, accountants can offer strategic guidance that goes beyond mere compliance or number-crunching.

Whether it's helping a business secure financing for expansion or assisting an individual with retirement planning, accountants play a pivotal role in shaping their clients' financial futures. Through regular communication, proactive planning, and attentive support, they foster a sense of confidence and security that empowers clients to make sound financial decisions with clarity and peace of mind.

Conclusion

In the dynamic economic landscape of Ottawa, accountants serve as indispensable allies for businesses and individuals alike. Their expertise, professionalism, and personalized approach enable clients to navigate financial challenges, optimize opportunities, and achieve their long-term objectives. Whether it's ensuring compliance with tax regulations, maximizing financial efficiency, or providing strategic guidance for growth, accountants play a vital role in fostering financial well-being and prosperity in the vibrant capital city of Ottawa.

[mortgageloanontario]

Unlock Your Home's Equity with Second Mortgages in Ottawa

Mortgage Loan Ontario is your trusted partner for second mortgages in Ottawa. As a homeowner in Ottawa, you have a valuable asset in your home, and our expert advisors can help you leverage this asset to secure a second mortgage with competitive rates and terms. Our commitment to personalized service means that we work closely with you to understand your financial objectives and find the best second mortgage solution for your circumstances.

Whether you're looking to invest in your business, pay for your child's education, or handle unexpected expenses, our second mortgage options can provide you with the financial flexibility you need. Unlock your home's value and achieve your financial goals with Mortgage Loan Ontario in Ottawa. Our team is dedicated to providing you with a seamless and transparent second mortgage experience, ensuring that you can make the most of your homeownership in the vibrant Ottawa real estate market.

[college-girl199328]

The federal government is moving to raise the minimum tax rate paid by wealthy Canadians in the budget and narrowing its focus on the highest earners. On its Tuesday, Ottawa is raising the alternative minimum tax rate and imposing new limits on many exemptions, deductions, and credits that apply under the system starting in 2024.

“We’re making sure the very wealthy and our biggest corporations pay their fair share of taxes, so we can afford to keep taxes low for middle-class families,” Finance Minister Chrystia Freeland said in the prepared text of her remarks. The alternative minimum tax (AMT) introduced in 1986 is a parallel income tax calculation that allows fewer deductions, exemptions, and tax credits than the ordinary tax rules for the country’s highest earners. Wealthy Canadians pay the alternative minimum or regular tax, whichever is higher.

The government announced in the budget that it is increasing the alternative minimum rate to 20.5 percent from 15 percent starting in 2024. To help ensure lower- and middle-income Canadians don’t get caught up in the increase, Ottawa to increase the exemption to the start of the fourth federal tax bracket from $40,000. For 2024, it expects the exemption would be about.

The government estimates that under the new rules, 32,000 Canadians will be covered by alternative minimum tax in 2024, compared with about 70,000 if it did not make the changes. However, the higher rate and revamping of the allowable deductions and credits mean Ottawa expects to take in an additional $150 million in 2023-24 and $625 million in 2024-25.

Bruce Ball, vice president for tax at CPA Canada, said to go into the alternative minimum tax calculation, but the good news for most taxpayers is that the threshold will be much higher. “That should exclude a lot of people even if they have more add-backs than they would have under the old system, so some good news and bad news depending on your situation,” Ball said.

“If you’re may not be subject to AMT.” Brian Ernewein, the senior advisor at KPMG in Canada, said the government isn’t just raising the but also changing the rules for what is included when calculating a tax bill under the AMT rules, including changes for the treatment of capital gains.

“I think this is change,” he said. Ernewein added that there is also a broad range of changes regarding exemptions, deductions, and credits.

"They're only allowing 50 percent of a fairly large range of deductions and 50 percent of a lot of non-refundable personal tax credits," he said. While Canadians face the possibility of higher taxes, the budget also includes a one-time payment for those who receive the goods and services tax credit to help offset the rising cost of living.

“We all know that our most vulnerable friends and neighbors are still the bite of higher prices. And that is why our budget delivers targeted inflation relief to those who need it most,” Freeland said. Under the proposal, billed as a grocery rebate, Canadians will receive an additional amount equal to twice the GST tax. For couples with two children, the amount could be up to $467, while a single Canadian without children could receive up to an extra $234.

Student budgets will also see a boost from the budget as the government increases the Canada Student Grants compared with pre-pandemic levels and raises the interest-free Canada Student Loan limit. The changes increase the total federal aid available to a full-time student based on financial need to $14,400 for 2023, up from $13,160 for 2022 and $10,140 in 2019 before the pandemic.

The government is also moving to cap the increase on alcohol excise duties to two percent for one year. Ordinarily, the rates are indexed to the consumer price index and were previously set to rise by 6.3 percent. However, Canadians looking to take a flight next year will face an increase in the air traveler's security charge paid by those flying in Canada starting when they buy an airline ticket, helping pay for it.

The charge for a domestic round trip will rise to $19.87, from its current rate of the U.S. will pay $34.42, up from $25.91.

[markcbullard-blog]

Trusted Company For Wealth Management

Build your wealth, and sustain long-term growth with expert wealth management.  Find comfort and confidence in independent investment managers, specializing in wealth management, portfolio management and financial planning. For more info about wealth management services, you can click at https://ex-ponent.com/.

[potvinfinancial]

Financial Planner Ottawa

Top Reasons to Hire a Financial Planner: Expert Insights for Your Future!

Are you looking for a financial planner Ottawa who can help you navigate your financial journey and secure your future? Managing your finances effectively can be challenging, especially with the many financial decisions you need to make in your lifetime.

From retirement planning to managing investments and taxes, a financial planner offers expert knowledge that can significantly improve one's ability to achieve one's financial goals.

In this blog, we will explore why hiring a financial planner is wise for your financial well-being.

Comprehensive Financial Planning

One of the primary reasons to hire a financial planner is their ability to offer comprehensive financial planning.

Financial planners consider your entire financial picture—income, debt, investments, insurance, taxes, and estate planning. They help you create a strategy that aligns with your short-term and long-term goals.

Whether you need to save for your children's education, buy a home, or retire comfortably, a financial planner will help you develop a clear and actionable roadmap to reach these milestones.

Expert Investment Guidance

Investing can be complicated, especially if you're unfamiliar with the markets. A financial planner brings expert investment advice to help you navigate this complexity.

They will assess your risk tolerance and recommend an investment portfolio that matches your financial goals.

An Ottawa financial planner can also help you diversify your investments, reducing risk and maximizing potential returns.

With professional advice, you can make confident decisions and avoid costly mistakes in your investment journey.

Tax Optimization Strategies

Taxes can significantly impact your financial situation, especially regarding investments and retirement savings.

A financial planner can help you implement tax optimization strategies to minimize your tax burden and ensure you're paying enough.

From tax-efficient investment strategies to advice on tax-advantaged accounts, a financial planner will help you make the most of your income while ensuring compliance with tax laws.

Long-Term Financial Security

Planning for the future is essential; a financial planner helps you focus on long-term financial security.

With their help, you can set up proper retirement plans and investment strategies to ensure you have enough money to live comfortably when you retire.

They can also guide you through estate planning, ensuring your wealth is passed on efficiently to your beneficiaries, and advise on insurance coverage to protect against unexpected financial risks.

Personalized Advice for Life Events

Life is full of unexpected changes, and having a financial planner by your side during major life events—such as marriage, starting a family, buying a home, or preparing for retirement—can provide crucial support.

A financial planner offers personalized advice that is tailored to your specific situation.

They help you make decisions during these pivotal moments that will impact your financial health.

Conclusion

Hiring a Certified financial planner Ottawa offers numerous benefits, from expert investment guidance to personalized strategies for long-term security.

With their help, you can develop a clear financial plan, optimize taxes, and ensure you are well-prepared for life's significant milestones.

At Potwin Financial Services, we are committed to helping you achieve your financial goals with tailored advice and strategies that align with your unique needs.

Whether you're planning for retirement, managing investments, or navigating life changes, our certified financial planners guide you every step of the way.

With years of experience and a client-first approach, we ensure your financial future is safe.

Contact Wealth Management Ottawa today to start working on your personalized financial plan and secure the future you deserve!

[yourreddancer]

HEATHER COX RICHARDSON

February 11, 2022 (Friday)

Yesterday, the Treasury noted that the U.S. budget had a surplus of $119 billion in January. That’s the first budget surplus in more than two years.

Tax receipts are up significantly: they grew 21% in January to $465 billion, as higher employment and earnings meant a big jump in payroll taxes and withholdings. At the same time, outlays fell 37%. 

Today, the administration warned any American in Ukraine to get out as quickly as possible, leaving no later than 48 hours from midday today. National Security Advisor Jake Sullivan warned that, “[i]f you stay, you are assuming risk with no guarantee that there will be any other opportunity to leave and no prospect of a U.S. military evacuation in the event of a Russian invasion.” He said the U.S. Embassy in Kyiv stands ready to help financially and logistically.

Sullivan told reporters that the administration believes that the world has entered the window of time in which if Russian president Vladimir Putin is going to attack Ukraine, he will do so. The U.S., he said, is “ready either way.” It will continue its hefty diplomatic push, or it and key allies will respond to an invasion with severe economic sanctions, reinforce the North Atlantic Treaty Organization (NATO), and continue to support Ukraine and its well-trained and equipped army.

The U.S. has deployed service members to Poland, Romania, and Germany to defend NATO territory under Article 5 of the Washington Treaty that established NATO. Article 5 says that an attack against any NATO ally is considered an attack on all of them and that, in such an event, they will come to each other’s aid. To date, Article 5 has been invoked only once: on September 12, 2001, after the 9/11 terrorist attacks on the United States. 

Those personnel, Sullivan emphasized, “are not soldiers who are being sent to go fight Russia in Ukraine. They are not going to war in Ukraine. They are not going to war with Russia. They’re going to defend NATO territory, consistent with our Article 5 obligation. They are defensive deployments. They are non-escalatory. They are meant to reinforce, reassure, and deter aggression against NATO territory.”“

Whatever happens next,” Sullivan said, “the West is more united than it’s been in years. NATO has been strengthened. The Alliance is more cohesive, more purposeful, more dynamic than at…any time in recent memory.

”President Joe Biden spoke today with leaders from the U.K., France, Germany, Italy, Canada, Poland, Romania, the Secretary General of NATO, and the presidents of the European Union to coordinate a response to Russian aggression. Biden will speak again with Putin tomorrow.

The Fox News Channel is cheering on the so-called “Freedom Convoys” of disgruntled Canadians driving commercial trucks who have shut down Ottawa, Canada’s capital, as well as key border crossings between Canada and the U.S. They have created traffic jams that have made it impossible for auto plants on both sides of the border to get the parts they need, and the resulting production cuts, as well as the idling of hundreds of millions of dollars in trade, are hurting the economies of both countries.According to Justin Ling in The Guardian, the convoys appear to have been organized by James Bauder, a conspiracy theorist who believes Covid-19 is a political scam and has endorsed the QAnon movement.

 Canada’s recent vaccine requirement to cross the Canadian border provided a catalyst to pull together a number of different groups opposed to public health measures with anti-government protesters. The protests were neither popular nor representative of truckers: there were never more than about 8000 protesters, 90% of truckers crossing the border are vaccinated, and the Canadian Trucking Alliance strongly opposes the protest.  

On Tuesday, a spokesperson for the Canadian Trucking Alliance told Rose White of MLive that many of the Freedom Convoy protesters “have no connection to the trucking industry and have a separate agenda beyond a disagreement over cross border vaccine requirements.” Ling noted that the convoy participants flew neo-Nazi and Confederate flags and had QAnon logos on their trucks, but Bauder urged his supporters stick to the message of “freedom.

”The “Freedom Convoy” has been pushed by fake accounts on social media and has picked up supporters from the U.S. right wing, including leading lawmakers. Facebook officials told NBC News today that fake accounts tied to content mills in Vietnam, Bangladesh, Romania, and several other countries have been pushing the convoy. Their disinformation is working; donations from the U.S. have flooded into accounts supporting the convoy protesters.

Former president Donald Trump, Senator Ted Cruz (R-TX), Senator Rand Paul (R-KY), and others have endorsed the convoy, and the Fox News Channel has talked about the convoy two and a half times as often as CNN and five times as often as MSNBC in the last month, according to Philip Bump of the Washington Post. Matthew Gertz of Media Matters for America tweeted that the network has spent more than ten hours on the story since January 18, with the network personalities—especially Tucker Carlson and Sean Hannity—explicitly calling for an American version of the protest.

The idea of shutting down supply chains does not interest the International Brotherhood of Teamsters, which yesterday denounced the convoy. “The livelihood of working Americans and Canadians in the automotive, agricultural, and manufacturing sectors is threatened by this blockade,” Teamsters General President Jim Hoffa said in a statement. “Our economy is growing under the Biden Administration, and this disruption in international trade threatens to derail the gains we have made. Our members are some of the hardest workers in the country and are being prevented from doing their jobs.”

But that is almost certainly the point. Disrupting a nation’s supply chains destabilizes its economy and thereby weakens the government in power. Indeed, U.S. lawmakers know this quite well: in 1972, the U.S. Central Intelligence Agency funded a 26-day truckers’ strike in Chile that helped to destabilize the government of democratically elected Salvador Allende, who would be overthrown the following year by right-wing dictator General Augusto Pinochet. 

The economy under Biden shows that his traditional vision of a government that supports ordinary people rather than cutting taxes and funneling money to “makers” works; the extraordinary unity of NATO in the face of Putin’s determination to advance authoritarian goals shows that multilateral cooperation rather than unilateral military action works, too. For those determined to regain power, disruption and destabilization are the order of the day.

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[ultrabenoitpoliquin1]

Business Name: Exponent Investment Management Business Website:  https://www.ex-ponent.com Business Address 180 Elgin Street, Suite 1302 Ottawa, ON K2P 2K3 Owner name: Benoit Poliquin Business Phone: 613-747-2458 keywords: financial advisor, wealth management, financial planner, retirement planning, pension planning, investment management, portfolio review, individual pension plan Business Description: We help business owners and professionals move from active business or professional income to retirement investment. Our turnkey personalized approach will enable you to plan, manage and implement your financial future. Our services include financial planning, investment management, portfolio review and individual pension plans. Business Email:  benoit@ex-ponent.com Business Hours: Sunday: Closed Monday: 8:30 am–6:00 pm Tuesday: 8:30 am–6:00 pm Wednesday: 8:30 am–6:00 pm Thursday: 8:30 am–6:00 pm Friday: 8:30 am–6:00 pm Saturday: Closed Social links:  https://www.facebook.com/exponentinvestmentmanagement https://ca.linkedin.com/company/exponent-investment-management https://www.instagram.com/exponentim

[ontarionewdemocrats-blog]

RIP raptors, more like RIPtors, time for your important news for June 3rd (it’s time to get gay edition)

Number of evacuees from Pikangikum First Nation hits 1,500 as wildfire grows

https://globalnews.ca/news/5343957/number-of-evacuees-pikangikum-first-nation-hits-1500-wildfire/

Municipal leaders, scientists blast Ford government over sweeping changes proposed in omnibus bill

https://www.thestar.com/news/queenspark/2019/05/31/municipal-leaders-scientists-blast-ford-government-over-sweeping-changes-proposed-in-omnibus-bill.html

Ford government’s housing bill facing growing resistance

https://www.theglobeandmail.com/canada/article-ford-governments-housing-bill-facing-growing-resistance/

Green activists, municipal politicians plea for pause on housing bill

https://torontosun.com/news/provincial/green-activists-municipal-politicians-plea-for-pause-on-housing-bill

Opposition parties decry beer and wine tweets by Ontario PC MPPs

https://www.cbc.ca/news/canada/toronto/beer-wine-corner-stores-pc-mpp-tweets-ford-1.5159334

Alcohol retailer threatens union with suit over lobbying allegations

https://www.theglobeandmail.com/canada/article-alcohol-retailer-threatens-union-with-suit-over-lobbying-allegations/

Beer Store union targets Progressive Conservative MPPs amid fears of job losses

https://www.thestar.com/politics/provincial/2019/05/31/beer-store-union-targets-progressive-conservative-mpps-amid-fears-of-job-losses.html

Ontario marks its first ever Cider Month

https://www.cbc.ca/news/canada/toronto/ontario-celebrates-first-ever-cider-month-1.5158514

Ford Fest '19 celebrates 'hardworking people': Doug Ford

https://torontosun.com/news/provincial/ford-fest-19-celebrates-hardworking-people-doug-ford

The Doug Ford government discovers the U-turn

https://www.thestar.com/politics/provincial/2019/05/31/the-doug-ford-government-discovers-the-u-turn.html

School boards ‘need to get their act together,’ says Doug Ford

https://www.thestar.com/politics/provincial/2019/05/31/school-boards-need-to-get-their-act-together-says-doug-ford.html

Ford government’s expert autism panel will be ‘extremely objective’ says new co-chair Marie Bountrogianni

https://www.thestar.com/politics/provincial/2019/05/31/ford-governments-expert-autism-panel-will-be-extremely-objective-says-new-co-chair-marie-bountrogianni.html

Ontario government and regulatory authority developing final rules for financial planner, financial advisor regulation

https://www.theglobeandmail.com/business/streetwise/article-ontario-government-and-regulatory-authority-developing-final-rules-for/

Premier announces government push to change model for skilled trades

https://www.qpbriefing.com/2019/05/31/premier-announces-government-push-to-change-model-for-skilled-trades/

Energy minister hears from industry on possible solutions to lower electricity prices

https://www.qpbriefing.com/2019/05/31/energy-minister-hears-from-industry-on-possible-solutions-to-lower-electricity-prices/

Ontario’s mental health courts help keep people from jail, but many racialized defendants don’t know they exist, report says

https://www.thestar.com/news/gta/2019/05/31/ontarios-mental-health-courts-help-keep-people-from-jail-but-many-racialized-defendants-dont-know-they-exist-report-says.html

Scientists spar over cancer study in Ontario towns

https://globalnews.ca/news/5335772/cancer-study-ontario-criticism/

Divorced woman can't have embryo implanted without ex-husband's consent, court rules

https://www.cbc.ca/news/canada/toronto/embryo-divorce-spouses-ontario-implant-1.5158038

Inquiry into missing and murdered Indigenous women issues final report with sweeping calls for change

https://www.cbc.ca/news/politics/mmiwg-inquiry-deliver-final-report-justice-reforms-1.5158223

Inquiry on missing and murdered Indigenous calls on all Canadians to call out racism as report attributes tragedy to genocide

https://www.theglobeandmail.com/politics/article-inquiry-on-missing-and-murdered-indigenous-calls-on-all-canadians-to/

We’ll work with cities, even when provinces won’t work with Ottawa: Trudeau

https://globalnews.ca/news/5338754/well-work-with-cities-even-when-provinces-wont-work-with-ottawa-trudeau/

Canada’s Digital Charter not strong enough to soothe privacy concerns on Sidewalk Labs: critics

https://globalnews.ca/news/5337890/canada-digital-charter-sidewalk-labs/

Most transit commuters satisfied with TTC, but many affected by unexpected delays: poll

https://globalnews.ca/news/5338014/ttc-service-toronto-transit-commuters-poll/

It's hard to see how LRT will be ready by Canada Day

https://www.cbc.ca/news/canada/ottawa/hard-to-see-lrt-ready-canada-day-1.5157382

Lake Ontario water levels still climbing and will stay 'very high' into summer: HCA

https://www.cbc.ca/news/canada/hamilton/water-levels-lake-ontario-flooding-1.5159266

Arrest made in fatal stabbing of Raptors fan in Hamilton

https://www.thestar.com/news/gta/2019/06/01/arrest-made-in-fatal-stabbing-of-raptors-fan-in-hamilton.html

He had no tin star or six-shooter, but Hamilton’s last sheriff ‘was bigger than life’

https://www.thespec.com/news-story/9404328-he-had-no-tin-star-or-six-shooter-but-hamilton-s-last-sheriff-was-bigger-than-life-/

Flood management cuts ill-advised: Gelinas

https://www.thesudburystar.com/news/local-news/flood-management-cuts-ill-advised-gelinas

French River state of emergency, province needs more flood funding

https://www.cbc.ca/news/canada/sudbury/flood-funding-cuts-french-river-1.5155963

Tornadoes hit Gatineau, Ottawa areas, though no injuries reported

https://www.thestar.com/politics/provincial/2019/05/31/the-doug-ford-government-discovers-the-u-turn.html

It’s time for Ford’s cabinet to stop enabling his incompetence

https://www.thestar.com/opinion/editorials/2019/06/03/its-time-for-fords-cabinet-stop-enabling-his-incompetence.html

Doug Ford’s journey from buck-a-beer to Bolshevism

https://www.thestar.com/politics/political-opinion/2019/05/31/doug-fords-journey-from-buck-a-beer-to-bolshevism.html

SNOBELEN: Ford government learning Ontario public service not particularly spry

https://torontosun.com/opinion/columnists/snobelen-ford-government-learning-ontario-public-service-not-particularly-spry

EDITORIAL: Ford’s dilemma — We want less spending, but no cuts

https://torontosun.com/opinion/editorials/editorial-fords-dilemma-we-want-less-spending-but-no-cuts

[sarahcadiz-blog1]

Five reasons to purchase life insurance immediately.

A sound financial strategy includes more than just investing and saving. Another essential component in reaching your objectives may be life insurance.

Paying off debt, setting up an emergency fund, investing in a tax-free savings account (TFSA), a registered retirement savings plan (RRSP), or placing your money in other savings vehicles are some ideas that may come to mind if you’re trying to better your financial status. All of these are crucial components of a solid financial strategy, but life insurance is an essential component that is sometimes ignored.

According to Randy Little, a Certified Financial Planner with Desjardins Financial Security Independent Network in Ottawa, “people who decide to put insurance in place typically have looked at their financial situation, often with the help of an advisor, and identified risks that they are uncomfortable with and want to address.”

Here are five reasons to consider purchasing life insurance if you’re not sure why.

Number 1: To shield your loved ones from financial harm. When someone passes away, their family must deal with that loss’s financial responsibility and emotional toll. Fortunately, life insurance can lessen your loved ones’ worry during a trying time and shield them from unwarranted financial difficulty.

Life insurance is essential if you have dependents who depend on your income, such as a husband or children, Little says. It can be a valuable financial tool regardless of your relationship status. “A young family with children in debt could be worried about the effects of losing one of the parents.”

The family’s surviving parent might require money to pay off debt or fund recurring costs like housing, bills, and groceries, to mention a few.

Your requirements might already be fully or partially met if you work for a company that provides group insurance. People must frequently look for insurance independently without job benefits, and self-employed people have additional difficulties.

Since employer-sponsored group insurance plans do not cover them, Little notes that business owners frequently have the greatest need for independent protection. However, they are hesitant to do so because it would require them to pay for the insurance.

Even if cash flow is a problem, Little advises business owners to talk with an insurance specialist to determine their goals. He suggests they also check into critical illness insurance to safeguard their way of life if they must take a leave of absence from their job due to illness. “It could be a good idea to have some safeguards in place that infuse capital into the business in the event of a health concern.”

Number 2: To assist in paying down a mortgage or other bills Life insurance can help cover the remaining mortgage balance if you co-own a property with your spouse, kids, or other close family members. This may allow your spouse or family to continue living in their existing residence despite the loss of your income, which is vital to many parents.

Additionally, life insurance can assist in covering funeral and burial costs and any unpaid credit card balances, loans, or other consumer debt. Your policy’s death benefit should be sufficient to enable your family to continue living in the same or a comparable manner without your income.

Number 3: To pass wealth on to future generations. Want to leave a legacy for your children or grandchildren? A tax-effective approach may be to purchase a life insurance policy.

According to Little, “someone approaching retirement may not have any obligations, and their children may be grown and independent, but they have the objective of transmitting riches to the next generation.” Life insurance can aid in this transfer of wealth, she adds.

Making your children or grandkids the beneficiaries of whole life insurance, a type of permanent life insurance, is the usual way to accomplish this. Whole life insurance ensures a payout after death, unlike term life insurance, which only provides coverage for a predetermined amount of time. Your beneficiaries won’t have to pay income tax on the money they receive because the death benefit is non-taxable.

Number 4: To have a positive impact on the charity. The ability of life insurance to effectively transfer money to a non-profit organization is one of its lesser-known uses. According to Little, some people are particularly enthusiastic about a particular charity and want to leave a legacy that helps other people.

By designating a charitable organization as the beneficiary of your life insurance policy, the proceeds pass from the insurance provider to the organization tax-free. Additionally, unlike when making a generous contribution through your will, the cash skips the probate process and goes directly to the charity; as a result, it cannot be disputed by beneficiaries or other family members.

Little advises inquiring about alternatives for charitable giving with your financial advisor or insurance provider. Your life insurance policy can make it possible to support causes such as cancer research, animal welfare, human rights, and alma mater donations.

Number 5: To bring you comfort. Life insurance should provide stability and peace of mind regardless of financial position. If you’re unsure whether or when to purchase life insurance, talk to your financial advisor to receive individualized guidance that considers your needs, goals, and spending capacity.

According to Little, obtaining insurance as soon as possible is generally preferable. You will be protected sooner in life, and your monthly premiums will probably be considerably cheaper. According to Little, the insurance cost is determined by the applicant’s age. It’s often advantageous not to delay the talk because of this.

Choosing the appropriate life insurance It can be difficult for many people to determine how much insurance their family needs. However, Little points out that a qualified advisor may talk to you about your goals and use reverse engineering to develop the best strategy. Just make sure you’re working with a respectable expert who will assist you in understanding your options and who will listen to you.

There are various reasons to purchase life insurance, but regardless of what inspired your choice, it will feel good to know that your most prized possessions are safe.

#lifeinsurance #ethos #freewill #protectyourfamily

Sarah Jane Cadiz

August 23, 2022