People often have very different approaches to money. Some people are disciplined, saving regularly and planning for the future. Some people spend money as soon as they get it. Some people have that spending urge, but can keep it in check if they get the right financial advice.

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If you have received money as a result of an inheritance or winning the Lotto-jackpot, you may have mixed feelings about it. On one hand, you have money that you never expected to receive, a windfall. On the other, you have lost a loved one. This puts a burden on you to do act responsibly with whatever they have left you.

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I recently purchased a new flat-screen television at a popular local electronics store. During our discussion on the features and benefits of the various sets, the sales associate repeatedly emphasized the virtues of the extended service plan available to protect the purchase. These plans, also known as extended warranty insurance, are available for almost every consumer product, be it automobiles, electronics, major appliances or even your new sofa. The question for savvy consumers is whether the cost of protection is worth the price.

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Manulife Bank of Canada has launched Manulife Trust Company to offer Canadians coast-to-coast a range of products available through their financial advisors.

"A trust company gives us the opportunity to provide Canadians with additional innovative, market-leading financial solutions," says Doug Conick, President and CEO, Manulife Bank of Canada and Manulife Trust Company.

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A tightrope walker ready to traverse a cable over Niagara Falls takes both a risk and a chance. The risk can be increased or decreased depending on the walker's skills, amount of practice, safety measures, and quality of equipment. You or I would be taking more risk than an experienced performer.

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In an attempt to construct an ideal asset allocation, we will assume that you have a balanced portfolio consisting of some fixed-income investments -- such as bonds or GICs -- that generate highly taxed interest income, as well as some Canadian, U.S. and international equities that pay dividends and have the potential for capital gains. How to proceed?

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You can’t have an RRSP past December 31, 2010 if you’re 71 or older at year-end. So, prior to December 31, 2010, you must collapse your RRSP and pay tax on the fair market value of the plan’s assets at that time, purchase an annuity or transfer your RRSP assets to an RRIF. No tax is paid on the purchase of an annuity or the conversion to an RRIF.

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Travel insurance, while it may seem like an unneeded expense at the time, can literally be a lifesaving purchase and should be a top priority for all travelers, especially senior snowbirds. Check out our recently updated Travel Insurance Survey for the lowdown on companies offering this product and exactly how much it will cost.

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Each month we prepare a survey detailing what the big Drug Stores charge for dispensing fees. This table shows the suggested fees at a sample selection of retail outlets in southern Ontario. The dispensing fees are based on a basic cash prescription.

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IThe votes have been tallied: Fiscal Agents Savings and Investment Centre receives two Platinum Selection Awards in Oakville's Favourite Financial Planner and Investment Company categories.

Fiscal Agents is proud to have been the honoured recipient of 7 other Reader's Selection awards in previous years.

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