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Retirement Perspectives

I’m not near “retirement age” yet but I think about it often.  I suppose for individuals in their 50s and 60s, they are forced to think about retirement and how to fund it more often than they care to admit.  No doubt recent stock market volatility has forced many people to question if they can retire at all, if so by when and how much might be enough. Most personal finance and investment books I’ve read focus on asset accumulation tactics:  saving for retirement, what investments you should own, what accounts you should use over other ...

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Cash Wedge

Cash Wedge and Opening the Investment Taps

A “cash wedge” is what Daryl Diamond, financial planner, author, educator and respected financial professional on all-things retirement money management calls the income delivery process.  Daryl Diamond should know a thing or two about the “cash wedge”, Daryl is largely responsible for the concept, a process dedicated to helping retirees reconcile their income needs to fund their lifestyle objectives securely. The way I see it, most retirees will need to withdraw capital from their investment portfolios and take advantage of government ...

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Weekend Reading

Weekend Reading – Income splitting, leverage, mistakes and more

Welcome to some of my favourite articles from the week that was, my latest Weekend Reading edition.  I started off this week writing about the short-term saving options that work for us and I shared a small rant about the Aeroplan program. I got a chance to watch my Senators live versus my second favourite team, the Red Wings this week thanks to my buddy who had tickets.  A great game, the hometown boys won 3-1 and they seem to be on a roll!  Keep it going…#GoSensGo! Enjoy these articles and see you back here next week! Larry MacDonald ...

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The Aeroplan program – risks with rewards

Thanks to a recent case study shared by another fellow blogger, I continue to question the “rewards” associated with one of Canada’s most beloved travel rewards programs:  Aeroplan. What is it?  Aeroplan 101 With 150+ retail, financial and travel partners, Aeroplan is one of Canada’s main loyalty programs. How do you earn Aeroplan Miles? Fly on eligible Air Canada, Air Canada Express, Air Canada rouge or other Star Alliance member airline flights. Purchase various travel products and services online. Shop at participating program ...

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Short-Term Savings Options That Work For Us

I spend a bunch of time thinking and reading about personal finance and investing.  One of the things that recently crossed my mind are options available to savers regarding short-term savings. Depending upon your financial goals, there are a number of products that can help you with your short-term savings.  Other products on the other hand don’t warrant any attention, at least from us.  For today’s post here are the options we gravitate to; why we prefer these short-term savings options and the reasons we avoid others. Option # 1 – ...

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