Overall, most parents in or near retirement want their children to have it better than they did, but times have changed. We have transitioned from a society of savers to one of debtors.
This means that many members from Generation X (ages 39 to 53), are faced with trying to keep their heads above water….Read more
For the fourth quarter, Wells Fargo says its earnings rose 17% from a year ago. One of the main reasons, according to the banking giant, is it benefited from the recently passed GOP tax bill…Read more
Reading through your long term disability policy can be an overwhelming process, but we want to make it easier for you. It’s extremely important in this process that you take time to carefully read each section, making sure you have an educated understanding of how everything works…Read more
When couples separate or divorce, they often don’t know if family gifts or inheritances stay separate or become communal property.
While a thorough review of each case’s circumstances is always required, in general, Ontario law regarding gifts and inheritances is based on timing…Read more
As a travel insurance specialist, I have advocated for consumer protection with doctors and insurance companies. For you, the consumer, I am here to educate and provide you with knowledge and understanding of the products you are purchasing.
The CCIR came up with a consumer survey on travel insurance to which results were posted in 2016. Further to the survey, recommendations were made by the CCIR on Travel Insurance Reforms that were posted on May 31, 2017. The goal is to enhance consumer protection and increase confidence in travel health insurance products.
Read more or Contact Me for a copy of the recommendations surrounding definitions, eligibility, exclusions…
Starting on May 11th, 2017, a Toronto restaurant has added a three per cent surcharge to each bill in order to cover its new employee benefits program.
“We needed to bring in more money to pay for the benefits,” says Heather Mee, co-owner of Emma’s Country Kitchen. “It’s either raising our prices or [the surcharge, and] for us, this was a more honest and transparent way of doing that. . . . If there’s a clear, separate item, we can track it easily. We’re accountable to the fact that it’s not going into our pockets. It’s going only into the benefits program.” Read more…
It seems like a logical choice. Instead of paying a professional to be your executor, why not choose a beneficiary to do the job instead? It can work, but mixing those roles can create complications for an estate. Read more
In an apparent reversal and amid rising opposition, Prime Minister Justin Trudeau said taxing employer-provided health benefits for Canadians is not in his budget agenda.
Trudeau was questioned about the issue again Wednesday in the House of Commons by interim Conservative Leader Rona Ambrose… Read more
First-time home buyers in Ontario may now claim a higher Land Transfer Tax refund.
The government says more than half of the first-time eligible home buyers in the province will now be able to avoid paying any Land Transfer Tax…Read more
Ontario’s Trillium drug plan has announced it’s modernizing its systems and infrastructure and has refocused efforts on altering the way co-ordination of benefits takes place with private drug plans beginning in the fall of 2017.
This development isn’t a change to Trillium regulations but is simply a refocused effort to make Trillium a first payer…Read more