FISCAL AGENTS: Financial Services Group


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Newsletter
Counting on government benefits to augment your income during retirement?
Taking advantage of opportunities within our tax system is even more important now that you're retired than it was during your working years.

That's because many of you're retirement benefits are based on income you report on your annual tax return. Today, too much reported income on your tax return can result in a clawback in your Old Age Security (OAS), as well as reductions for your age credits and medical expense credits.
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Financial Tools
What should you be saving for retirement? Financial Calculator

This simple, 5-step financial calculator is a direct adaptation of the comprehensive worksheet found in the financial book The Pension Puzzle. Using values you provide, an investigation into your retirement income goals and the amount of money you have saved to meet them will be perfomed, providing results to illustrate any additional income you may require. A report of the data entered can also be generated.

Previously
Featured


Mortgage Amortization Schedule Generator

Short / Long Term Rate Comparison Calculator


E-Mail Newsletter - Contest
Our second Money Management Newsletter subscription contest
Subscribers of our free monthly Money Management Newsletter (E-Mail edition) will be automatically entered to win a copy of the highly regarded financial book The Pension Puzzle: Your Complete Guide to Government Benefits, RRSPs, and Employer Plans. Every chapter contains a comprehensive examination of any particular aspect of retirement planning, answering questions such as when can you retire, what happens if you change jobs, can your employer change the plan.

Detailed worksheets to help you apply your own financial situation to the concepts described are found throughout the book, including the What should you be saving for retirement? Financial Worksheet featured above.



Newsletter
Pay your mortgage off faster and save thousands of dollars
One way of saving thousands of dollars on your mortgage is by switching your payments from monthly to weekly or bi-weekly using a rapid amortization calculation.

Weekly or bi-weekly mortgage payments have been growing in favour with home owners across Canada and many institutions now offer these payment options. The fascination with more frequent payment options is that if they are done correctly you can take several years off your mortgage amortization and thus own your home free and clear years ahead of paying on a monthly basis.
Update: As a companion to this article, we recommend trying out our recently updated Mortage Amortization Schedule Generator, which now produces results for accelerated weekly and bi-weekly payments. The calculator takes information you provide (such as the loan amount, years of amortization etc.), and produces a schedule of payments from now until the conclusion of your mortgage.
Mortgage Amortization
Schedule Generator


About Us - Employment Opportunities
Financial Advisors Wanted
For over 25 years Fiscal Agents has been providing sound and practical advice to Conservative Canadian investors. We are currently seeking like minded professional investment advisors, who are committed to offering top draw balanced advice within a uniquely distinctive marketing and advisory environment. Fiscal Agents has on many occasions taken its own path in turbulent markets with a steadfast approach to portfolio creation and a commitment towards our clients and advisors - Enterprise, Prudence and Integrity has been our hallmark.

If, after reviewing this site, you reach the conclusion that we could do business together, please call (905) 844-7700, or email mailroom@fiscalagents.com.

David Newman, Director
Fiscal Agents Financial Services Group

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Money Centre
Updated Travel Insurance Survey
Dear Money Management Editor, I have a question regarding the purchase of Canada Savings Bonds. If a grandparent or an Aunt/Uncle of a minor, purchase as a gift a Canada Savings Bonds, who is responsible for claiming the interest income? If the child has a SIN# can they then claim the interest income?
Our semi-annual survey of Travel Insurance plans and rates has been updated. Use the link to view a list of managers and insurers, their available plans and the rates and deductibles offered by each. Contact numbers are also provided.



Radar Screen
Manulife announce a new Nursing Care Income Plan product
Arranging and paying for nursing home or long term care for an elderly relative can be an overwhelming responsibility - and one that most of us will eventually be faced with in the years to come as our population ages. And while we all want to provide the best care possible for our loved ones, managing the financial strain of this important obligation is often a very real concern. What if they outlive their savings and the money runs out? Will you and your family be able to bear the monetary burden?



Knowledge Bank
The Cornerstone Household Directory of Documents
About Us
Take a tour of FiscalAgents.com
With the busy lives we lead today, how many of us take the time to think about what we will leave behind when we die? The reality is that most people give little thought to bringing their personal and financial matters to order until it is too late.

Now think of the difference that it could make to your family if you could give this information to them ahead of time. With the free Cornerstone® Household Directory of Documents, you can do just that.
Hop aboard the red bus for an up-close and personal online tour of our web site.

The Fiscal Agents site tour is one of our newest additions, and guides you through the various sections of the site, noting special features and points of interest that you may not have seen. Follow along as we provide a detailed introduction for newcomers to FiscalAgents.com.

November 8, 2002 (Archive)


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The 10 Principles
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The Ten Principles of Being Rich follows the life stories of three typical investors, and explains how investment fundamentals are influenced by time constraints as they develop and monitor their financial plans.


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The power of
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Smart Sam







As an authorized distributor for ING Bank of Canada, Fiscal Agents of Oakville can now offer clients the selection of high interest rate savings accounts they provide.
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