March 16, 2015

Tax preparation and EFILE service

Filed under: taxation - 16 Mar 2015

Most people can probably prepare and file with the Canada Revenue Agency (CRA) their own tax returns. Doing it the old way, scribing numbers on hard copy paper forms is not just old fashioned; it’s also more tiresome and error-prone, …

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April 25, 2011

Refunds, risks, and time value of money: A case of insurance policy analysis

Some important aspects to consider when deciding about insurance purchases

After a generic intro, a few key factors of policy alternative evaluations will be scrutinized, using the example of a 25 year old healthy woman who is concerned about …

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June 2, 2010

Comments on Ellen Roseman’s articles on annuities in the Toronto Star

Ellen Roseman published good articles in the Toronto Star lately (here and here) about longevity risks, and how it can be addressed by annuities. Below is my email sent to her. I wrote the …

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May 13, 2010

Submission to Task Force on Financial Literacy

As you may already know, a Task Force on Financial Literacy is working on a report and recommendations for a national strategy to strengthen financial literacy in Canada. The report is for the Minister of Finance …

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February 6, 2010

Policies as savings, investment, or pension income products: the less gloomy aspects of insurance

… look at the wealth creation and accumulation side of finance. Even within this realm though, some insurance products offer significant benefits over comparable bank or mutual fund products, especially for the elderly, the risk-averse, or the affluent.

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January 18, 2010

Planning around Long-term care need if one cannot (or doesn’t want to) buy LTC insurance

‘There is more than one way to skin a cat’ can be true for some when planning how to pay for the things (and mainly the services) triggered by a potential long-term care situation. Underwriting difficulties are more frequent than …

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Without sensible number crunching there is no rational investment or spending decision

Internal Rate of Return (IRR) calculator is the first piece of a planned series of useful free on-line tools to help investors with assessing the time factor when dealing with cash flows, even if with uneven amounts and irregular intervals. …

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December 22, 2009

Long Term Care insurance (LTCi) – an increasingly more important risk managing tool

What is the smaller mistake? The ‘waste premium dollars’ vs. ‘going uninsured’ dilemma in a ‘historical asset/income effects’ context. There is always a risk at any age that we become unable to take care of ourselves; chances for that grow …

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December 3, 2009

Comments on the Munk Debate on climate change

Filed under: crisis,environment,futuring,lifestyle,planning,systems - 03 Dec 2009

This post was intended as a comment on Marie Snyder’s blog post about the Munk Debate on climate change on Dec 1, between Elizabeth May and George Monbiot vs Nigel Lawson and Bjorn Lomborg. If you haven’t watched …

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July 27, 2009

New ways of creating personal pension type retirement income producing portfolios

Invitation to a conference dealing with annuities and optimal allocation in retirement provides an opportunity to evaluate two special calculators, one (from a major Canadian insurer) kept for financial advisors and insurance agents/brokers, while the other freely available for anyone …

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