BlogsTravel from Vancouver to Seattle or Portland for as low as a buck!May 18 2012 Bolt Bus is offering a new service in our area... and allowances on items you can bring home are increasing as well. This service offers limited trips at as low of fares as $1 ... check it out. read more Canadians retiring later out of necessity. Majority don't have a written financial planMay 17 2012 The trend is continuing ... more and more Canadians are working later because they have to, not because they want to. How surprising it is in this day and age to find that only 18% have a written financial plan. Without a plan - how will you get there? Come and see us today. read more Greece faces limbo in euro twilight zoneMay 16 2012 Further speculation about the crisis in Greece ... defaults, bailouts, budget cuts... could drag on for months, leaving investors skittish. read more Pay for goods with tap of smartphoneMay 15 2012 The technology of paying for goods with a simple tap of your smartphone is not very far off. read more Patience pays off - delaying claim of tax creditsMay 14 2012 Here are 6 simple ways that deferring tax credits/deductions can pay off for you. read more Another month of strong job creation = earlier than expected interest rate hike?May 11 2012 A second month of strong job creation has some wondering if we may see an interest rate hike earlier than expected. read more Facebook road show could be a hard sellMay 07 2012 Facebook IPO (initial public offering) will happen on May 18th ... will it be a boom or bust? read more New $20 banknote this FallMay 02 2012 New ploymer $20 banknote this Fall should further reduce counterfeits. Here's an interactive graphic on security features. read more Dow hits more than 4 year highMay 01 2012 The Dow closed at its highest level in more than four years after U.S. manufacturing expanded at a faster pace than expected in April, easing jitters about a slowdown in the economic recovery. read more Rising wages and other factors may put an end to an era of cheap ChinaApril 26 2012 China is currently the world’s largest manufacturing power, accounting for a fifth of global manufacturing. Its output surpassed America’s in 2010. But rising costs, labour included (in some instances labour costs have surged by 20% a year for the past four years) may bring an end to it. If trends continue, could it become just as cheap to make things… read more Fed unlikely to offer hints of easingApril 25 2012 Anyone hoping for clues as to the prospect of a further easing of monetary policy from the central bank may be disappointed today. read more Making income tax returns simpler is no simple taskApril 24 2012 Many people agree that Canada's income tax system is too complex, with varing credits and deductions for certain groups, provincial and federal credits, T4s and numerous other tax slips all arriving in the mail at different times. Filing can be painful. So what is the alternative? Is there a viable one? read more 7 habits of highly frugal peopleApril 23 2012 Yes, it's good to live and enjoy life, and not pinch pennies. But there's nothing wrong with being frugal either. In fact, some of the wealthiest people have become that way by watching the bottom line. And you can too. Here are some great tips. read more Canada should be firing on all cylinders by next year, report saysApril 20 2012 The Canadian economy is on track to regain its full productive capacity sometime early next year, according to the Bank of Canada. read more 10 tax-filing myths that could foul up your returnApril 19 2012 Myth-busting facts that could make you money … or save you from a big tax penalty. read more Bank of Canada maintains overnight rate April 17April 18 2012 Economic momentum in Canada is slightly firmer than the Bank of Canada had expected in January. Europe is anticipated to slowly emerge from it's woes, U.S. growth is appears stronger based on improved labour markets, financial conditions and confidence. read more Oil price: Are we seeing the top of the market?April 16 2012 A look at contributing factors, and what may lay ahead for the price of oil. read more Positive economic outlook for CanadaApril 13 2012 Canada’s business leaders expect faster sales growth, more investment and new hiring over the next 12 months. For example, the Canadian economy churned out 82,300 jobs in March, the biggest one-month gain in three years and far beyond analysts’ forecasts of 10,500 jobs. read more 10 things to know when preparing your tax returnApril 12 2012 These tax tips may not make you rich, but money in your pocket is better than the alternative... read more Get your debt under control: Rate hikes may come soonerApril 10 2012 Canadians are carrying a heavy debt load. Interest rates could rise more quickly than previously expected. Don't be caught in the red... read more Savvy Canadians invest billions into TFSAsApril 09 2012 Hands down, TFSAs (Tax Free Savings Accounts) are an intelligent way to investment. Where else can you invest and all of your earnings are TAX-FREE? Canadians are catching on and utilizing their TFSAs ... are you? read more Canada's job market roars back to life in March, exceeding economists' expectationsApril 05 2012 cbc.ca Job gains blow past expectations; over 82,000 jobs were added to the labour force, most of them full-time positions, according to Statistics Canada. read more Canadian penny disappearing...Here's how rounding should work: Fact Sheet and FAQsApril 04 2012 Starting in the fall, Canada’s government will stop producing the Canadian penny. Apparently, pennies are expensive to make and are virtually worthless in today’s economy led them to fall victim to Ottawa’s axee. The government says the measure will save around $11 million a year because each new penny costs 1.6 Canadian cents to produce. Here's how the rounding should work. read more China slows but remains a global bright spotApril 03 2012 China may have lower numbers lately due to a number of factors (such as the current housing glut, lower European demand, etc.) however they remain bright on the global economic map. read more Canada's economy starts the year off on a positive noteApril 02 2012 The numbers are in for January, and while not astounding, they're positive... and considered by some to be a solid performance. The biggest contribution came from surprising strength in utilities and manufacturing, particularly auto production. read more Inside the 2012 Canadian Federal BudgetMarch 30 2012 A look inside at the 2012 Federal Budget announced March 29 read more Ottawa focused on fiscal prudenceMarch 29 2012 Analysts say there are political and well as economic reasons why Flaherty might want to get the job done early in the first year of the government's four-year majority mandate. Politcally, prudence could permit delivery on expensive promises made in last year's campaign such as the income-splittng for families with children under the age of 18 and doubling TFSA limits. Economically, it's estimated that… read more Canada's deficits and surpluses, 1963-2010March 28 2012 Use this interactive chart to explore Canada's budgetary surplus and deficit history, including revenue and expenditure figures for every fiscal year from 1963-1964 to 2010-2011. Browse by prime minister. read more Warren Buffett's $50 Billion DecisionMarch 27 2012 A very interesting read about the beginnings of a brilliant, self-made man. This interesting article by Warren Buffett, as told to Randall Lane, appears in the upcoming April issue of ForbesLife magazine, as part of its “When I Was 25″ series. read more Frugal, tight-fisted Federal Budget expected March 29March 26 2012 Finance Minister Jim Flaherty is expected on March 29 to deliver the most frugal, tight-fisted economic strategy since 1995 ... after a period of extraordinary spending targeted at boosting the Canadian economy during the worst recession in a century. read more Dividend bubble? Try dividend bull marketMarch 23 2012 Interesting commentary in Globe and Mail on dividend paying equities vs fixed income. read more BC First-time home buyers' bonus - limited time only, subject to Legislature approvalMarch 23 2012 Subject to approval by the legislature, the B.C. government intends to implement a temporary BC First-Time New Home Buyers’ Bonus. Effective February 21, 2012, to March 31, 2013, the bonus is a one-time refundable personal income tax credit worth up to $10,000. read more Canada's economic outlook brightening; confidence risingMarch 20 2012 Canada’s economic outlook is brightening, and confidence with it. Several economists, including those at Royal Bank of Canada, Toronto-Dominion Bank, UBS Securities Canada and the University of Toronto, have recently nudged up their economic growth forecasts for this year. read more Changing life cycles affect personal finance, retirement savings, and other needsMarch 19 2012 Canadians are living longer, postponing having children, caring for aging parents, and carrying more debt. All affect financial decisions, planning, and saving. Chances are, you will need more to sustain your quality of life. read more Vancouver housing market flagged as greatest risk of a housing price correctionMarch 16 2012 Recent report cites several Canadian cities for potential housing price correction. High debt levels also hold concern. Too many Canadian households are in a financially vunerable position ... our debt to income ratio is actually higher than that of American households. read more Globe and Mail: Beware! EFTs can be complex, and riskier than you thinkMarch 15 2012 The Bank of England points out their complexity, opacity and interconnectedness. And regulators are taking notice and tightening the leash... read more Disabled family member? You need to read this article.March 14 2012 RDSPs (Registered Disability Savings Plans) have been widely available in Canada for over three years now, and yet many families caring for disabled people aren't even aware of them. You are missing out! Here's 8 must-know facts about RDSP investing plans for the disabled. read more Canadian home prices coolingMarch 14 2012 This article takes a look at housing prices across Canada, including specifics by region. How long do YOU think mortgage rates this low will be available? read more 2012 Tax Calendar: Deadlines, payments, paperwork, and certain investmentsMarch 13 2012 This handy calendar provides many important dates and deadlines. Avoid penalties, and save money. Don't be caught unaware, be prepared! read more Tax Tips: Top things families should know about taxesMarch 12 2012 The Canada Revenue Agency (CRA) has a number of benefits, credits, and services to help families meet their financial obligations throughout the year, reduce the amount that they owe at tax time, and provide them with convenient online options. Here are some top things families should know about taxes. read more Record low 10 year mortgage rates! only until March 28 2012March 09 2012 Fierce competition has resulted in the lowest ever Canadian 10-year mortgage rate of 3.99 per cent. Amortization periods may vary by institution. These rates are only available until March 28, 2012. Now may be a great time to renegotiate your mortgage. We can help you determine if it's a wise move for your situation... call us at 604-575-6911. Read more at CBC.ca read more Bank of Canada maintains overnight target rate at 1 per centMarch 08 2012 Ottawa - The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. Article read more Many analysts more optimistic this year's prospects for US economyMarch 07 2012 WASHINGTON — The economy grew at a slightly faster pace in the final three months of last year, and Americans earned more income than previously reported. That could set the stage for stronger growth this year. Article. read more Kim Shannon: Cautious on high yielders in sideways marketMarch 05 2012 Kim Shannon, chief investment officer at Sionna Investment Managers in the Financial Post: Following major market mania conditions, stocks historically capitulate then move sideways in an incredibly volatile manner for at least 15 years. Article: FinancialPost.com read more Despite slower 4th quarter growth, analysts see plenty of cheer in GDP reportMarch 02 2012 The Canadian economy showed signs of revival at the end of last year, a welcome signal that the sharp slowdown of the fall may have been a temporary setback in a slow-moving recovery. read more What’s new for 2011 income tax and benefit returnFebruary 29 2012 You may be eligible to claim new incentives and take advantage of changes to existing credits, deductions, benefits, and services. Find out! Have a question or not sure if you can claim something? Call us, we're here to help ... 604-575-6911 read more Dundee Investment Savings Account rate increase!February 29 2012 Effective Feb 29, 2012. This account is an especially attractive option for your cash and short-term investments. No account fees and no miminum balance mean your savings add up more quickly. Available in both C$ and US$, it is more accessible than most GICs and a great alternative to money market funds. Use it for your rainy day emergency fund,… read more Warren Buffett's thoughts on the U.S. housing market, his successor, the economy, and moreFebruary 27 2012 Warren Buffett says along with equities, single-family homes are a very attractive investment right now. read more Options and considerations when winding up your RRSPFebruary 23 2012 Be aware of deadlines and penalties .... this informative article reviews transitioning from accumulating funds for retirement to drawing on them in retirement. Explanations of options available and the impact they may have. read more Don't believe retirement doom and gloomFebruary 22 2012 An interesting interview with Actuary Malcolm Hamilton. At age 61 he’s heading into retirement later this year. Here's what his 32 years of experience has taught him about life after leaving the workforce. read more How seniors can avoid financial abuseFebruary 20 2012 Seniors can be particularly susceptible to fraud and abuse. Canadian Press reporter Malcolm Morrison explains why and offers tips on how to avoid the problem. read more New Interview: Christine LaLiberté with Kim Shannon of Brandes Sionna Investment ManagersFebruary 16 2012 The Insightful Wealth Group takes great care to regularly produce commentaries, web posts, and interviews to help keep clients aware of what is happening in the capital markets and with their investments. Christine LaLiberté of the Insightful Wealth Group recently spoke with Kim Shannon, President and Chief Investment Officer of Brandes Sionna Investment Managers. Kim is responsible for The Sionna… read more CMHC predicts stable Canadian housing market for at least two more yearsFebruary 13 2012 Canada's housing market will remain stable for at least two more years, Canada Mortgage and Housing Corp. predicted Monday ... read more read more Canada's Jobless Rate Rises to Nine-Month HighFebruary 07 2012 Canada’s unemployment rate rose to a nine-month high in January ... read more read more Are Old Age Security benefits sustainable?February 01 2012 An aging population and rising life expectancy are putting stress on public finances. Are Old Age Security benefits truly sustainable? read more ... read more Important 2012 Changes to the CPP and QPP ProgramsJanuary 27 2012 The Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) are government income programs designed to supplement the personal savings, pensions and other sources of income of retired Canadians. Starting in 2012, these programs will undergo several changes which, if you are close to retiring, may impact how and when you choose to retire from work and apply for CPP… read more RRSP FactsJanuary 26 2012 RRSP information regarding contributions, rules, earned income, age limits, overcontributions, spousal RRSPs, withdrawals, and more... click here. read more Feds keep rates lowJanuary 25 2012 Federal Reserve System: Economic conditions likely to warrant exceptionally low levels for the federal funds rate at least through late 2014 ... click here for full story read more Guests captivated at Market Outlook SeminarJanuary 24 2012 The Insightful Wealth Group hosted Philip Petursson, a frequent guest on BNN and often quoted in the Canadian press. Philip captivated the audience at this event. He shared insight on today's investing environment, current economic outlook, discussions of the European debt crisis, global markets, commodities, and what we might expect looking forward. This event was so well received by guests… read more Chartered Accountant Survey reveals market outlook optimismJanuary 23 2012 A survey of chartered accountants at some of Canada's leading companies reveals a more positive economic outlook and less fear of a recession this year. Click here to read the full story. read more Bank of Canada Maintains Overnight Interest RateJanuary 17 2012 Bank of Canada maintains overnight rate target at 1 per cent - click here to read more... read more An Introduction to Flow Through Limited PartnershipsJanuary 04 2012 The attractive tax benefits of flow-through limited partnerships (LPs) along with the prospects of hitting it big on a concentrated pool of junior resource names have made these issues appealing offerings to many investors. Flow-through shares are common shares issued by Canadian mining, oil and gas or certain types of renewable energy companies, the purpose of which is to finance… read more News Release: Christine LaLiberte recognized for client service excellenceDecember 28 2011 The Accretive Elite™ Advisor Program distinguishes Financial Advisors who can demonstrate a track record of client service excellence. Ms. LaLiberté is among the first Financial Advisors in Canada to successfully complete and pass the independent qualification for the Accretive Elite™ Advisor Program. Read the full news release read more Year End Deadline ApproachingDecember 23 2011 Dec. 31 (which falls on a Saturday this year so plan accordingly) marks the last day to contribute to certain registered plans and take advantage of certain tax credits. Give us a call if you have any questions. 604-575-6911 read more Important dates for RRSP, RRIF, HBP, LLP and RDSPDecember 15 2011 A key component of Financial Planning includes remaining aware of everchanging rules and regulations, and also important dates and deadlines on items such as RRSPs, RRIFs, Home Buyers Plans, Lifelong Learning Plans, and Registered Disabiliy Savings Plans. We're here to help you stay organized and on top of things. Click here for more info... or give us a call at 604-575-6911. read more New Event Scheduled! Insight to Markets and the EconomyDecember 06 2011 For quite some time now the markets have been seesawing … plagued by reactions to economic and political data and events. As can be expected, many investors have concerns and questions about today’s investing environment.For that reason, we have invited a special guest speaker to join us the evening of Tuesday January 24, 2012 to examine what’s been happening the… read more Bank of Canada Interest RateDecember 06 2011 Bank of Canada maintains overnight rate target at 1 per cent - click here to read more... read more Registered Disability Savings PlanNovember 28 2011 The Insightful Wealth Group is pleased to provide and support Registered Disability Savings Plans, making your life a little easier. The Registered Disability Savings Plan (RDSP) is a long term savings plan specifically designed to help Canadians with disabilities that are eligible for the Disability Tax Credit. Friends, family, and individuals can accumulate funds in a RDSP which grows on… read more Estate Settlement SeminarNovember 15 2011 This workshop shared how to turn an often complex, overwhelming challenge of settling an estate into a logical, systematic task. Essential information was discussed, and attendees received a 44 page Executor’s Guide To Estate Settlement that contained steps and checklists. If you were unable to attend, but would like to discuss Estate Settlement or have any questions, give our office… read more Recent Market Dynamics ExplainedNovember 14 2011 If what’s going on in the markets recently has left you confused, this video should help to explain things. read more Bank of Canada Interest Rate DecisionOctober 25 2011 Bank of Canada maintains overnight rate target at 1 per cent - click here to read more read more Coping With Care SeminarOctober 12 2011 Coping With Care - Supporting An Ailing Parent ... Knowing how to handle a parent’s sudden disability or illness can dramatically improve the situation for everyone involved, and help maintain your family’s goals and lifestyle. This special event hosted October 12, 2011 helped our guests understand both the personal and financial impacts of illness and the steps they can take… read more Investment Strategies SeminarOctober 12 2011 Investment Strategies for Incorporated Investment Portfolios, Incorporated Professionals, and Individuals With Substantial Non-Registered Investments Held October 12, 2011, this presentation covered tax rules for incorporated accounts, asset protection, intergenerational planning strategies, dividend sprinkling, family income planning, tax-efficient strategies for distributions to shareholders, and much more. If you weren't able to attend, call today to book a private consultation with Christine. read more Market CommentaryOctober 06 2011 A Challenging Quarter... If the last quarter of equity returns has your stomach turning with déjà vu, you are likely not alone. The recent market turmoil has led many investors to attempt to draw parallels to the historic event of 2008, and who could blame them. 2008 was among the most fearful periods for investors in decades and it is… read more Bank of Canada Interest Rate AnnouncementSeptember 07 2011 The Bank of Canada maintains overnight rate target read more Bank of Canada Interest Rate AnnouncmentMay 31 2011 Announced May 31, 2011 ... The Bank of Canada maintains overnight rate target at 1 per cent ... click here read more New Economic Monitor - Market Outlook PageMay 30 2011 May 2011 Economic Monitor, prepared by Rr. Martin Murenbeeld, Chief Economist and William Tharp, Senior Economist. Visit http://www.insightfulwealthsolutions.com/market-outlook read more Spring Open House!May 05 2011 The LaLiberté Investment Team hosted a festive Cinco do Mayo themed Spring Open House on Thursday May 5, 2011. Clients and guests mingled amongst live spanish music, enjoying appies and beverages. Also in attendence was Streetohome, a charitable foundation actively supported by The LaLiberté Investment Team. Streetohome addresses the underlying needs and root causes of homelessness, in order to facilitate… read more Financial MythsFebruary 22 2011 On February 22, 2011 with clients and guests in attendance, Christine LaLiberte, CIM, FCSI, Senior Investment Advisor, Insurance Advisor, Director - Private Client Group, DundeeWealth, reviewed many common financial myths and fallacies that can ruin your retirement dreams. Interesting facts and strategies were shared, and misconceptions cleared up. read more Kim Shannon, President & CIO Sionna Investment Managers: Morningstar ArticleNovember 24 2010 Kim Shannon, President and CIO Sionna Investment Managers discusses the sideways market in an article published Wednesday November 24, 2010 on Morningstar's website. read more Kim Shannon, President & CIO Sionna Investment Managers: BNN InterviewNovember 19 2010 Kim Shannon, President and CIO, Sionna Investment Managers, tells BNN why Canada tends to outperform other major markets when we are in a sideways market. read more Stable and Predictable Retirement IncomeOctober 26 2010 Three different strategies that provide a steady and dependable income stream were shared with investors. If you were unable to attend, call or email us - we can get together and discuss these strategies at your convenience. read more Bank of Canada Maintains Key RateOctober 19 2010 The Bank of Canada announced this morning that it will leave its key interest rate unchanged. In its statement the Bank indicated that it expects economic recovery in Canada to be more gradual than it had projected in July, “with growth of 3.0 per cent in 2010, 2.3 per cent in 2011, and 2.6 per cent in 2012.” The Bank… read more Bank of Canada Raises Key Rate TodaySeptember 08 2010 The Bank of Canada raised its key interest rate by a quarter of a per cent today, for the third consecutive time. The Bank noted in its announcement that it “now expects the economic recovery in Canada to be slightly more gradual” than it predicted at the time of its last rate hike in July, citing weaker economic activity in… read more A great short-term investment just got better!August 27 2010 Effective August 27, 2010, you are earning a higher interest rate on your Dundee Bank* Canadian dollar investment savings account. A great option for your cash and short-term investments. Visit http://www.insightfulwealthsolutions.com/dundee-savings-account to learn more. * Dundee Bank of Canada is a Schedule I Canadian chartered bank and is a subsidiary of The Bank of Nova Scotia.The Dundee C$ Investment Savings… read more Guaranteed Income For Life, No Matter How Your Investments PerformMay 12 2010 Are you concerned about experiencing poor market returns in retirement? Outliving your capital? Keeping pace with inflation? The LaLiberté Investment Team hosted an event for retirees and near-retirees on Tuesday May 11, 2010. The event provided solutions for the concerns and challenges of retirement, such as guaranteed income for life, no matter how your investments perform. If you have questions regarding this,… read more Is China In A Bubble?April 28 2010 Check out a very interesting new article now posted on our web page called Market Outlook. This article takes an in-depth look at China, their economy, and what may lie ahead. The LaLiberté Investment Team of highly qualified investment and insurance advisors promises to continually remain abreast of investment news and economic situations not only locally in Surrey, B.C., but also nationally and internationally. … read more Leading Financial Advisors in Surrey BCMarch 24 2010 Amongst leading financial advisors in Surrey BC, The LaLiberté Investment Team is an experienced private client advisor and wealth counseling firm dedicated to helping corporate and high net worth individuals and families protect their wealth through comprehensive strategies and sophisticated solutions. Our broad experience and expertise of dealing with private wealth issues enables affluent clients to have maximum planning opportunities.Our… read more |
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