FISCAL AGENTS: Financial Services Group


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Turn on the RIF Tap What's the best thing to do when converting
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Newsletter
The market's down... What do you do now?
If you can't make any sense of the stock market these days and question whether you should risk more of your hard earned savings and be an opportunistic buyer of depressed equities or finally throw in the towel, dump the dogs you so enthusiastically purchased a few years ago and put your money in a piggy bank, you're in good company. One has only to read the financial section of any newspaper to notice that there are many different opinions about future stock market direction from people who's job it is to study these things. How can there be such a polarity of belief? If the experts can't agree amongst themselves if we will see a slow recovery or fast recovery or more market declines how are you supposed to know what to do with your investments?
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Newsletter
Planning for your children's future
For anyone who has recently agonized over their tax return and wondered if there was a better way to structure non registered investments to reduce the taxes on mutual fund distributions or the capital gains tax incurred when portfolios are adjusted, the following information may be of interest to you. Taxation on open accounts can substantially reduce any investment gains and investors should pay particular attention to maximizing their after tax returns, not their pre tax returns.
Choosing A Guardian Worksheet



Newsletter
Federal Home Buyer's Plan frees up RRSP funds for purchase of first home
Money Centre
Updated Travel Insurance Survey
The word is out that the federal government's Home Buyers' Plan is a useful tool for Canadians looking to buy their first home. But, given that it permits them to withdraw up to $20,000 from their registered retirement savings plans (RRSPs), another question emerges: how useful is the HBP as an investment-planning tool?
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.

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Newsletter
RSP Investing Strategies: Monthly Investing Works
Radar Screen - Investor Warning
Consumers Alerted to “Advance Fee” Scam
One of the best ways to maximize your RSP contribution each year is to set aside a specific dollar amount every month. Many people refer to this strategy as "paying yourself first". All you have to do is set up a monthly pre-authorized chequing plan. Your bank account will be debited on a monthly basis and the money directed to one or more mutual funds. You will be surprised at how quickly your retirement nest-egg starts accumulating.
Over the past few months, the Office of the Superintendent of Financial Institutions (OSFI) Canada has issued several Warning Notices involving the use of names of legitimate Canadian financial institutions in various “advance fee” scams. Most recently, OSFI has become aware of a scam using the names of government organizations, including those of the Department of Finance, Canada Deposit Insurance Corporation and OSFI.



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Subscribe to our E-Mail Money Management Newsletter... And win
Enter a subscription for our free Money Management Newsletter and you could win a subscription to The Economist - arguably the most respected magazine in the world. The Wall Street Journal says "it should be required reading". The New York Times - "May be the most sensible publication in the English language". All existing subscribers will be entered in the draw as well. Only 1 subscription is available and the winner will be chosen at random. Subscribe today!

To view our archive of previously sent newsletters, use the link below.



Financial Tools
Mortgage Amortization Schedule Generator

One of our most popular calculators, the Mortgage Amortization Schedule Generator is a powerful tool for approximating the payments made throughtout the length of a mortgage. The amount borrowed, interest rate, payment frequency and length of the mortgage are used to create a payment schedule that you can print or save.


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Short / Long Term Rate Comparison Calculator

The MANAGER Net Worth Calculator (PDF)
Right-click on the link and use 'Save Target As' on the menu to download.



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.

September 27, 2002 (Archive)


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The 10 Principles
of Being Rich

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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