What do we do? The North Carolina Center for Creative Retirement (NCCCR) is an award-winning, internationally-acclaimed learning community dedicated to promoting lifelong learning, leadership, community service and research. We opened our doors in 1988 as a department of the University of North Carolina at Asheville (UNCA). Our goal is to enable our members to “thrive” [...]
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A Savings Plan for All Canadians for Their Future The Government proposes to reduce the taxation of savings through the introduction of a Tax-Free Savings Account (TFSA) How the Tax-Free Savings Account Will Work
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REPORT ON RRSPs: FAMILY NEEDS AND RETIREMENT PLANNING Squeezed in a generational sandwich MARJO JOHNE Special to The Globe and Mail January 30, 2008 Each month, after covering her share of the household bills and mortgage payment, Lucy Ye takes the bulk of the money left in her bank account and uses it to cover [...]
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To use the RRSP contribution receipt for the 2007 taxation year, the deadline to contribute to your RRSP is Friday February 29, 2008. The maximum RRSP contribution limit for 2007 is $19,000 and $20,000 for 2008. If you are expecting a tax refund, you’ve been successful in providing the government with an interest-free loan throughout [...]
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TORONTO, November 5, 2007 – Scotiabank today launched the first video podcasts designed not only to better educate Canadian investors, but also to demonstrate how getting second opinions on their portfolios may generate positive returns. The first video podcast – featuring Fred Ketchen, Director of Equity Trading, ScotiaMcLeod and Bev Moir, Senior Investment Executive, ScotiaMcLeod [...]
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A comfortable retirement, free of financial worries, is something we all aspire to. The reality, however, is that many Canadians overestimate what they will be worth at retirement and discover, too late, that they have insufficient resources. This scenario can be avoided through proper planning. This does not simply mean planning when you are in [...]
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I thought this article by Linda Stuart in Women’s Health Matters published by Women’s College Hospital may be of interest to visitors to my site. You’re not alone, there are resources to help — and it’s vital to take care of yourself, too. These were some of the words of wisdom offered to caregivers looking [...]
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Here are links to the Canada Old Age Security OAS program and the Canada Pension Plan CPP: OAS (you can print the 10 page application from here) CPP If you start your pension at 60, your monthly payment is 30 percent lower than if you wait until you’re 65. However, by starting it sooner, you [...]
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Q. I’m allowed to make an RSP contribution for the 2006 tax year of $17,000. My problem is that I don’t have any extra cash after the holidays. Any suggestions? Maria J. Knowing the value of making an RSP contribution to reduce income taxes and for tax-sheltered growth on your RSP savings, it is important [...]
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Q. My husband and I are anticipating retirement in 10 to 15 years. He has $100,000 of unused RRSP contribution room and fortunately this year, we have some extra cash to invest due to an unexpected inheritance. We also don’t know how much we are each allowed to contribute this year? What should we do? [...]
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© 2012 Bev Moir, MHSA, FCSI, Toronto Investment Advisor and Financial Planner
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