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2003-2004
Golden Web Award
In recognition of
creativity, integrity and excellence on the Web.
Canadian Web Award
Very Canadian Friendly
Excellent Content
Highly Organized |
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Mutual
Fund Watch
 Find
the answers you're looking for in our newest section, designed
specifically for providing mutual fund information. |
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As an authorized
distributor for ING Bank of Canada, Fiscal Agents can now offer
clients the selection of high interest rate savings accounts
they provide.
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View
ING Section |
Savings Account
Rates |
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New Annuities Section |
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The Retirement Planning section of our Learning Centre has a new addition:
An Annuities page.
This new addition broadens the retirement income options section by
focusing in on the issues of an individual purchasing an annuity,
as well as the ins and outs of why annuities are still a popular choice
for many retiring Canadians. Different types of annuity contracts
are explained, using a case studies format. Also explained are how
different types of annuities change the taxation formula. Click here
to review. |
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| Entering retirement calls for
a review on how to make ends meet after that regular paycheck
stops. Making the right choices from the vast array of options
available is critical since some choices can not be reversed
and others can lead to a loss of capital that will be hard or
impossible to replace. |
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| Annuities, like any other investment,
are subject to tax. The taxation of annuities will depend on
the type of funds used to purchase the annuity, and whether
or not the annuity was purchased on a tax deferred "prescribed"
basis. Below is a brief description of the different methods
of annuity taxation. |
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Product
Review
Getting
a mortgage for self-employed/commission workers |
| Self-employed borrowers and commission
sales people normally do not have the same income stability
that regular salaried workers in Canada have. This segment of
the Canadian labor force can apply for a regular mortgage to
finance or refinance a home but the process is onerous and typically
may result in higher interest rates. GE Mortgage Insurance
Canada has developed a specialized mortgage insurance program,
available through financial lenders and mortgage brokers, to
help self-employed and wholly commissioned workers receive a
high, loan-to-value mortgage at regular interest rates, quickly
and easily, to either purchase or refinance a home. |
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Looking for the best GIC
Deposit Rates? Check out:
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Looking for something
in particular?
Find it using our QuickNav
site navigation system. |
Our information services, our newsletter
and our investment analysis are offered free of charge. Why do we
use this low-key, information-based approach? Put simply, we offer
a wealth of services for the conservative investor and we'd like the
opportunity to earn your business.
Our advisors are uniquely qualified to provide investment advisory
services on guaranteed accounts, retirement income planning, investment
funds and insurance products. It's our hope that offering un-biased
savings and investment information will help us earn that privilege.
That said, our newsletter services are free in every sense of the
word. Free of charge, free of obligation and free of pressure. We
welcome the opportunity to assist and serve your investment planning.
Robert
(Rob) Whipp
President
Fiscal Agents Ltd
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David J
Newman
President
Fiscal Agents Insurance Ltd |
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| One of the best way to buy mutual
funds or any savings program is by making automatic purchases every
month. Regular investing has three important advantages: You pay yourself
first, it's painless, and you get the advantage of dollar cost averaging.
This article goes into each advantage in detail. |
| Saving for children's post-secondary
education will be easier with the new KidsFutures rewards program
that rewards Canadian families with cash contributions towards their
children's college or university education costs. Ontarians can begin
saving money for their children's education by simply registering,
free of charge, with KidsFutures and buying the products or services
made available by KidsFutures partner companies. In addition to a
substantial range of packaged goods, consumer service and tactical
product offers from an impressive array of Canada's top companies,
KidsFutures will concurrently launch a retail store component of the
program in the London, Ontario region. |
| For a limited time, you can get
a special Real CashBack Investment Bonus
on all GIC investments over 3 years - Click
here or call for details. (905) 844-7700 |
| Now just imagine the family dinner
conversation where your brother or sister declares utter confusion
at how the prime rate could drop on the same day that rates went up
for fixed mortgages. This just doesn't make sense… or does it?
This article will clarify how fixed-rate and variable-rate mortgages
are priced and you'll see the difference. |
| It is said that timing is everything.
This can be true in the taxation field as well. At the head of the
list of time-sensitive tax related matters is the filing of income
tax returns.
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| How did Carl Ponzi lure so many people
into his scheme? Investors were attracted to Ponzi's plan because
he guaranteed high returns over a short period of time - profits of
50% every 45 days. Unfortunately these returns were not from the success
of a real investment. Instead, the returns were paid from the investors'
own money and the contributions of other investors. The essence of
the Ponzi scheme is that money is 'borrowed from Peter to pay Paul'.
Today's Ponzi schemes look like real investment opportunities, and
these schemes can work for a number of reasons. |
| RRSP season is nearly here, so once
again we present the What
should you be saving for retirement? calculator, an automatic
version of the same worksheet crafted by financial writer Bruce Cohen
in the book The
Pension Puzzle. In a few short steps you can get an idea of
the benefits or shortcomings of your present financial planning course. |
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Saturday, February 11 2012
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The 10 Principles
of Being Rich
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