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RESP Calgary
  • Dec 27, 2016
  • Denise

Personal Financial Planning for families in Calgary: RESPs

In previous posts, we’ve outlined key facts about RRSPs and how contributing to them can help you save towards your retirement. Our team, headed by Calgary insurance specialist Denise Higginson, wants to bring you even more tools and information. . .

Group Insurance Calgary
  • Dec 20, 2016
  • Denise

Calgary Group Benefits

Many small to medium sized businesses may have questions about the cost-effectiveness of group benefits. While several of our posts have outlined the many advantages of offering competitive group benefits, Calgary employers may also be weighing. . .

Mortgage Rule Changes Calgary
  • Dec 13, 2016
  • Denise

What Do Mortgage Rule Changes Mean for Calgary Personal Financial Planning?

Buying a house is often one of the biggest lifetime purchases individuals or families make. Because entering into a mortgage is a commitment that will last many years, it is important to explore all options and gain a strong understanding of the. . .

Travel Insurance Calgary
  • Dec 06, 2016
  • Denise

Travel Insurance

Knowing that you are covered by an insurance policy that meets your needs can allow you to go on vacation with peace of mind. Travel insurance can be essential to cover medical emergencies or even a standard doctor’s visit, because these are not. . .

RESP Calgary, personal financial planning Calgary
  • Nov 28, 2016
  • Denise

Personal Financial Planning: what Calgary residents should know about key interest rates.

Overview When the Bank of Canada makes an interest rate adjustment, publications often examine this adjustment in the context of how it reflects health of the country's overall economy and banking system. Many Canadians are also interested. . .

Calgary Employee Benefits, Calgary Group Benefits
  • Nov 21, 2016
  • Denise

Solutions to Common Calgary Group Benefit Programs

Overview Do you worry that offering Calgary employee benefits could become a drain on your business, or an impractical use of your company’s finances? Many employers believe that group benefits are too expensive or overly complex to offer, but. . .

Calgary Employee Benefits, Calgary Group Benefits
  • Nov 14, 2016
  • Denise

Calgary Group Benefits: Why offer them?

Overview Calgary employee benefits may be something both large and small businesses may be thinking of scaling back due to Alberta’s current economic situation. However, a glance at Calgary group benefits specialist Denise Higginson’s. . .

Calgary employee benefits, Calgary group benefits
  • Nov 07, 2016
  • Denise

Calgary Small Business Group Benefits at an Affordable Price

Overview Making sound financial decisions is a top priority for most business owners in Calgary. Group benefits can be a powerful draw for potential employees, and health benefits are one of the popular “standard” plans that immediately come. . .

Private Health Insurance Calgary
  • Oct 24, 2016
  • Denise

Is Calgary Private Health Insurance Worth It?

Is Calgary private health insurance really necessary? While provincial health plans cover a wide range of treatments, we recommend that individuals and families also acquire supplementary private health insurance. Calgary residents can choose. . .

Travel Insurance Calgary
  • Oct 17, 2016
  • Denise

Three Useful Tips for Selecting Travel Insurance Coverage

Travel insurance may seem unnecessary if you already have insurance, are young and healthy, or don’t plan on taking any risks while abroad. However, because accidents, unexpected illnesses, or emergencies can occur, everyone should consider travel. . .

Employee Benefits Calgary
  • Oct 10, 2016
  • Denise

How Group Benefits Boost Employee Satisfaction

Group benefits can help improve many facets of running your organization in Calgary. At Denise Higginson, we’ve long known that a competitive small business group benefits package can be key in attracting and keeping talented workers that will. . .

Mortgage Insurance Calgary
  • Oct 03, 2016
  • Denise

Mortgage Loan Insurance & Mortgage Payment Protection

Overview There are several types of housing-related insurance products are available. Mortgage Insurance is the first product that will be covered in this post. Calgary homeowners may be candidates for this type of insurance if they wish to. . .

Calgary Private Healthcare
  • Sep 28, 2016
  • Denise

Private Health Insurance for Long Term Care, Chronic Illness, and Disabilities

Planning personal finances for the future doesn’t end with retirement savings plans and general private health insurance coverage. While the Canadian health system provides many basic services, it can be beneficial to have an insurance plan that. . .

Calgary small business group benefits
  • Sep 21, 2016
  • Denise

An Overview of Benefits for Employers and Employees

There are numerous kinds of benefits that employers can offer their employees. These plans include various forms of insurance, retirement savings plans, as well as vacation days and paid sick days. Employers may also offer more job-specific benefits. . .

Calgary Group Benefits
  • Sep 14, 2016
  • Denise

Life Insurance for Small Business Owners and Key Employees

Just as it is important to find a life insurance policy that suits your needs and secures your family’s future in the event of your death, it is always wise for a business owner to look into types of business insurance policies to protect their. . .

Calgary Insurance Specialist
  • Sep 07, 2016
  • Denise

Employee And Group Benefits

Large companies and small businesses alike offer benefits and allowances to employees. It is always a good idea for employees to determine what additional benefits they are entitled to. The value of these benefits can be significant, and opting out. . .

private medical insurance calgary
  • Aug 24, 2016
  • Denise

Is Private Medical Insurance Right For You?

The Canadian health care system covers many basic services, providing its citizens with preventative care and medical treatments, as well as access to hospitals and primary-care physicians. However, more and more people are opting for private. . .

benefits of a group rrsp
  • Aug 17, 2016
  • Denise

Retire Happy

A Group Registered Retirement Savings Plan (Group RRSP) is a collection of individual RRSPs that you, as an employer, can offer to your employees. Contributions are taken from the employees pre-tax pay through payroll deductions, reducing the amount. . .

calgary travel insurance
  • Aug 10, 2016
  • Denise

Do I Really Need Travel Insurance?

After booking an expensive holiday, the million dollar question everyone asks is, "do I need travel insurance? " As an experienced, Calgary-based insurance specialist, I have spent years dealing with clients who have got into a few (sometimes. . .

group benefits for employee and organization
  • Aug 03, 2016
  • Denise

No One Needs Insurance Until They Do

As a business owner, you face unique challenges every single day. As your company grows and establishes itself, these responsibilities will inevitably evolve and expand. However, no matter what the size of your business is, two important components. . .

Calculating-group-benefits-cost
  • Jul 25, 2016
  • Denise

The Factors That Impact Group Benefit Costs

Choosing the right group benefits plan for your small business involves a considerable amount of careful planning, consultation, and collaboration with your leadership team, employees and insurance specialist. Once you’ve selected the best. . .

Protect-business-key-man-insurance
  • Jul 18, 2016
  • Denise

Protecting Small Businesses in Calgary with Key Man Insurance

Most Calgary small businesses depend on at least one core team member to help the company function. Whether this person is the business owner, the founder, or an essential employee in charge of key business activities, the loss of this individual. . .

Health-benefits-plan-small-businesses
  • Jul 11, 2016
  • Denise

5 Mistakes Small Businesses Make in Group Health Benefits

A group health benefits plan is an excellent way for many small businesses in Calgary to maintain a healthy, engaged workforce. Employees with access to adequate health insurance are more likely to seek preventative health care, ensuring that these. . .

Choosing-group-benefits-calgary-small-business
  • Jul 04, 2016
  • Denise

Group Benefits Plans for Small Businesses in Calgary

Choosing the Right Group Benefits Plan For many small business owners in Calgary, offering a flexible group benefits plan is essential to attracting and retaining talented employees. Staff often view a group benefits plan as a valuable type of. . .

myflex group benefits calgary
  • Jun 27, 2016
  • Denise

Employee Benefits in Calgary

Offering group benefits to your employee group can minimize your turnover rate and increases your team’s loyalty to you as an employer. Well‐insured employees also take fewer sick days because cost isn’t a reason to avoid medical care. This. . .

key man insurance calgary
  • Jun 20, 2016
  • Denise

Calgary Key Man Insurance

There’s a lot to consider when starting and running your own business. As a key contributor to many facets of your company, your abrupt removal due to illness, accident or sudden death could cripple if not debilitate the organization you’ve. . .

group benefits calgary
  • Jun 13, 2016
  • Denise

Calgary + Group Benefits

Offering health benefits to your employee group may sound like a concept beyond the capability of most small businesses, but it might be far more affordable than you think. It could also position your business as a preferred employer in your. . .

Samurai Speaker Series
  • Apr 07, 2016
  • Denise

Denise Higginson Discusses How to Attract and Retain Talent at the Samurai Speaker Series

  Below are the main takeaways from Denise's speech. There are some very creative ways to provide a tax effective reimbursement for medical and dental expenses for yourself and/or your employees. Health Trust for Incorporated Business. . .

  • Mar 30, 2016
  • Denise

CELEBRATING ENTREPRENEURSHIP! - Batman vs. Superman Movie Contest

In our world, every entrepreneur is a SUPERHERO and we’d like to celebrate your conquests! On April 3, we’ll be treating up to 400 lucky entrepreneurs to the Batman vs. Superman movie. Oh, and Popcorn’s on us! All you have to do is sign. . .

waitlist insurance calgary
  • Feb 19, 2016
  • Denise

Alberta Wait Times Only Getting Longer, But Medical Access Waitlist Insurance Can Help

Though Alberta allocated a full 45 percent of its budget to health care in 2014 the province still experienced average treatment wait times of 25. 5 weeks, a full 2. 4 weeks longer than the previous year, and 40 percent longer than the national. . .

Medical Access Waitlist Insurance Calgary
  • Feb 12, 2016
  • Denise

Invest in Your Employees and Your Company with Medical Access Waitlist Insurance

When the economy slumps businesses rely on their employees more than ever to help them weather the storm. So that means when one of your employees is injured or falls seriously ill it can disrupt the operations of the entire business. This situation. . .

calgary group benefits
  • Feb 05, 2016
  • Denise

Why Cutting Benefits During a Recession Might Not Make Financial Sense

Many companies are considering reducing the benefits they offer as a cost cutting measure. There is a delicate balance between employee well-being and cost control. A 2009 Study by MetLife (8th Annual Study of Employee Benefits Trends) suggest that. . .

travel insurance calgary
  • Jan 18, 2016
  • Denise

Traveling To Another Province?

As the Canadian dollar continues to drop, many of us are reconsidering traveling abroad. Many Canadians are reworking their yearly travel plans and choosing to stay within Canada. If you are staying within your home province, your provincial. . .

Calgary Medical Waitlist Insurance
  • Jan 15, 2016
  • Denise

Why Your Company Can’t Afford Not to Offer Medical Access Insurance

Many companies are having trouble remaining profitable in these tough economic times. To compensate, some are scaling back or getting rid of employee benefits. Though measures like these will save the company money, it is not always cost efficient. . .

New Job Group Benefits Calgary
  • Jan 08, 2016
  • Denise

Looking for a Job?

In these tough economic times many Calgarians are simply grateful to have a job, even if it doesn’t offer benefits. However, it is in times like these that many of us need medical benefits more than ever. Unexpected expenses like new glasses,. . .

Group Benefits Calgary
  • Jan 01, 2016
  • Denise

Group Benefits Plans

The New Year is a time when many Calgarians make resolutions. Some want to improve their health, and others want to save more for retirement. As a business owner, you are in the unique position to not only help your employees keep their New Year’s. . .

Employee Benefits Calgary
  • Dec 25, 2015
  • Denise

5 Reasons Your Company Should Offer Employee Benefits

In these tough economic times many companies are struggling to stay ahead of the competition. By investing in your workforce you can ensure you get the best team possible to help you weather the storm. Offering employee benefits is an excellent way. . .

Group Benefits Calgary
  • Dec 18, 2015
  • Denise

5 Reasons Successful Companies Offer Group Benefits

There are a variety of reasons why employers should offer group benefits. By investing in the well-being of your employees you invest in the well-being of your company. Here are 5 reasons your company should offer employee health. . .

Travel Insurance Calgary
  • Dec 11, 2015
  • Denise

Heading Abroad For the Holidays?

Travel insurance is one of those things you hope you never have to use. Most trips go smoothly and you won’t have to experience the nightmare of being ill or injured in a foreign country. However, you should always travel with travel insurance. . .

Group Benefits Calgary
  • Nov 27, 2015
  • Denise

Benefits over Raises

As a business owner you know that your employees are your most important asset. Attracting, and retaining, key talent is what keeps your business running and keeps you ahead of the competition. Though one way to help ensure you have the best talent. . .

Young Professional Benefits Calgary
  • Nov 25, 2015
  • Denise

Appealing to Young Workers

Over the next 15 years the face of the Canadian workforce is going to begin to change drastically. As the Baby Boomer generation retires companies will have to increase their efforts to woo Generation Y (born between 1977 and 1989) and the. . .

Group Benefits Calgary
  • Nov 20, 2015
  • Denise

Group Benefits Plans Benefit Employees and Employers

In these tight economic times many employees are concerned about the future. According to the most recent Employee Financial Wellness Survey conducted by PricewaterhouseCoopers the top financial concern of most employees is not having enough. . .

Term Life Insurance Calgary
  • Nov 13, 2015
  • Denise

5 Reasons Not to Buy Mortgage Insurance

Buying a home is an overwhelming experience. Faced with a mountain of paperwork a lot of us tend to freeze up and just do what the experts tell us is the sensible thing to do. Unfortunately, not everyone always has your best interest at heart. A lot. . .

Flexible Benefits Calgary
  • Nov 06, 2015
  • Denise

The Advantages of Having Flexible Benefits

From clothing to employee benefits, a one-size-fits-all rarely actually fits anyone. This is important to note because a comprehensive benefits package is key to attracting and retaining the talent your company needs. According to a recent study. . .

Waitlist Insurance Calgary
  • Oct 23, 2015
  • Denise

The Dangers of Medical Tourism

Medical tourism is becoming increasingly popular, including in countries like Canada. Though we have universal healthcare patients are often faced with long waits for necessary surgeries, with the average wait time between being referred by your. . .

Waitlist Insurance Calgary
  • Oct 16, 2015
  • Denise

I’ve Been Put on a Medical Waitlist, What Are My Options?

At some point in your life you will likely end up on a medical waitlist. Unfortunately, the average wait time in Canada between being referred to a specialist by your family doctor and actually beginning treatment can be an agonizing 4 months. This. . .

Wait List Insurance Calgary
  • Oct 09, 2015
  • Denise

Why Should My Company Get Medical Access Wait list Insurance?

In a small business every employee makes a huge impact. If an employee needs surgery or becomes seriously ill they can miss months of work and disrupt the productivity of the entire company. Statistics show that the average period of time between an. . .

Group Benefits Calgary
  • Oct 02, 2015
  • Denise

4 Reasons to Get a Group Benefits Plan for Your Company

Some companies view Group Benefits as an unnecessary expense, but actually it is a worthwhile investment. Here are 5 Reasons your company should have a Group Benefits Package. Protect your employees The greatest asset of any company is. . .

Wait Time Insurance Calgary
  • Sep 25, 2015
  • Denise

Alberta Medical Wait List Insurance

New numbers reveal that, rather than getting closer to their goal, Alberta Health Services is getting farther away from reaching its wait time targets. According to Alberta Bone & Joint institute, the wait times for knee replacements have grown from. . .

Small Business Group Benefits Calgary
  • Sep 18, 2015
  • Denise

Small Business Group Benefits Case Study

Names in this article have been altered for client privacy Small Business Reviews its Group Benefits Policy When Changing Ownership A seasoned company with 20 employees that handles all parts of the meat supply chain, Talbet’s Meats changed. . .

Calgary Insurance Broker
  • Sep 17, 2015
  • Denise

5 Reasons Why Your Small Business NEEDS myFlex Benefits Now!

As a small business owner, I know how difficult it can be to compete with large corporations with deep pockets for talented employees. In my experience, I’ve found that taking the time to research benefits packages that are mutually beneficial for. . .

myFlex Calgary
  • Sep 11, 2015
  • Denise

Is myFlex Right for My Small Business?

Names in this article altered for client privacy Ever since Dr. Matthew Reid finished his veterinary education, he knew he would start his own business. When the opportunity popped up to purchase his current practice, Dr. Reid leaped at the. . .

Benefits Retaining Employees Calgary
  • Sep 04, 2015
  • Denise

Retaining Employees with Group Benefits

Almost one-third of employees in the U. S. said would leave their employer within the year, and about half of those employees would resign immediately, if their employer stopped healthcare coverage, as reported by a survey by Accenture. Many. . .

Key Man Insurance Calgary
  • Aug 28, 2015
  • Denise

Safeguard Your Small Business with Key Man Insurance

If you run a small business, you need to consider what would happen if you unexpectedly were no longer able to carry out your obligations. Like most small businesses, your business is extremely dependent on you. Your knowledge of all the business. . .

Calgary Disability Insurance
  • Aug 21, 2015
  • Denise

Disability Insurance

Disability insurance is probably the most undervalued form of insurance today and mostly because people think: "What are the chances that something life altering will happen to me? " Studies show, regardless of economic status or earning power,. . .

Additional medical insurance Calgary
  • Aug 14, 2015
  • Denise

Insurance Planning in Tough Times: Can I Afford NOT to Have Insurance?

We all know it, times are tough right now in Calgary with developments in the global commodities market taking a nose dive and the collapse of oil and gas prices. Families are looking for insurance solutions while the economy takes a bigger bite out. . .

Employee Benefits Calgary
  • Aug 07, 2015
  • Denise

The BIG Benefit of Benefits for Small Business

As a business owner, I understand the importance (and difficulty) of attracting and retaining a team of employees that have experience, qualifications and most importantly CARE about their work and their craft. Everyone needs decent compensation to. . .

group benefits calgary
  • Jul 31, 2015
  • Denise

Why Do Some Small Businesses Not Offer Group Benefits?

Earlier this month we reviewed the findings of an employee survey conducted by Monster. The results conveyed and weighed what employees consider the most valuable benefits of employment. This week we’re focusing on the challenges that many. . .

Calgary Insurance Specialist
  • Jul 24, 2015
  • Denise

Calgary Business Life Insurance: Is Your Company Safe?

Over the past 25 years, with the help of your business partner, you have established a successful organization with a loyal client base, strong cash position and consistent growth. Unfortunately, your partner passes away unexpectedly, leaving his. . .

RRSP
  • Jul 10, 2015
  • Denise

Calgary Retirement Savings Plans: Getting The Most From Your Investment

We all think about our financial futures and try to position ourselves in an economically comfortable place, but how can we be sure that we’re optimizing our RRSP investments? RRSPs are designed as strong savings vehicles, but how hard is your. . .

Myflex Group Benefits
  • Jul 03, 2015
  • Denise

Calgary Group Benefits: MyFlex

Small business owners like myself, share similar headaches and heartbreaks when it comes to running our businesses. One of the largest expenses business owners face is the hiring process and employee turnover. Businesses allocate a great deal of. . .

The 7 Most Important Individual Health Plans Available
  • Jul 03, 2015
  • Denise

The 7 Most Important Individual Health Plans Available

Today we have a variety of insurance plans available to us, whether you obtain coverage through an employer or on an individual basis, it’s imperative that you understand the terms of your policy so that you’re aware of the extent of your. . .

Healthy Ways to Cope With Stress
  • Jul 02, 2015
  • Denise

Healthy Ways to Cope With Stress

We all experience stress at some point in our lives, whether it’s work related, spousal problems, parenting issues, financial troubles or dealing with a sick family member. We all struggle with situations like these that have a negative impact on. . .

An Overview of Calgary Group Insurance Plans
  • Jun 18, 2015
  • Denise

An Overview of Calgary Group Insurance Plans

If you or your significant other is employed, you may have company-provided insurance coverage.   This type of insurance is referred to as a Group Plan since it provides coverage to all affiliates of a certain group and their dependents.   There. . .

Tips on How to Stay Healthy and Out of the Hospital
  • May 29, 2015
  • Denise

Tips on How to Stay Healthy and Out of the Hospital

No one wants to be sick and hospitalized. Unfortunately it’s a part of life. But so is being healthy! There are excellent health insurance plans available that can alleviate the issues caused by hospital trips and the ailments that get us there. . . .

Your Oral Health and Calgary Dental Insurance
  • May 19, 2015
  • Denise

Your Oral Health and Calgary Dental Insurance

Calgary Insurance Broker, Denise Higginson, strongly encourages everyone to have a comprehensive dental insurance plan.   This will financially protect you and your family from typical oral surgeries or procedures that are likely to occur.   Some of. . .

Budgeting Your Dollars in Retirement
  • May 13, 2015
  • Denise

Budgeting Your Dollars in Retirement

You’ve worked hard your entire life and have earned your retirement! A time for vacations, spending time with family and grand kids, hobbies and relaxation. This is something we all look forward to, but have you thought about your finances and. . .

Not Such a Big Decision: Contribute to Both RRSPs & RESPs
  • May 12, 2015
  • Denise

Not Such a Big Decision: Contribute to Both RRSPs & RESPs

Decisions, decisions, we make them daily; however, when it comes to investments, many of us can’t decide which to contribute to, Registered Retirement Savings Plans or Registered Education Savings Plans. Financial gurus are always saying “get. . .

5 Words You Never Want to Say on Vacation: “I wish I had insurance”
  • May 04, 2015
  • Denise

5 Words You Never Want to Say on Vacation: “I wish I had insurance”

You’ve heard stories of everyday people that travel to tropical destinations around the world without purchasing travel insurance and either get sick or injured. That is not going to be you! You’ve taken out travel insurance and you’re excited. . .

Why You Need Business Insurance
  • Apr 24, 2015
  • Denise

Why You Need Business Insurance

You’re ambitious with entrepreneurial spirit and you run a start-up business from your home. After a lot of hard work you’re going to be moving the world headquarters of your company to the downtown core. However, weeks before the big move, a. . .

Wait List Insurance in Calgary
  • Apr 20, 2015
  • Denise

Wait List Insurance in Calgary

In Canada we have one of, if not the greatest, health care system in the world and that is something to be proud about. As accomplished as our health care is, there are times when the system becomes overloaded and long wait lists can ensue for much. . .

Top 4 Life Insurance Myths
  • Apr 17, 2015
  • Denise

Top 4 Life Insurance Myths

Plain and simple, talking about the inevitable is a tough subject; however, we need to have conversations about life insurance and taking care of our loved ones. Unfortunately, common myths surrounding life insurance might have you believing you. . .

The Health Benefits of Volunteering in Calgary
  • Mar 27, 2015
  • Denise

The Health Benefits of Volunteering in Calgary

So many of us like to give back in whatever way we can. Sometimes giving back means volunteering with a non-profit organization; other times it means giving a charitable donation; and giving back can mean living with a pay-it-forward philosophy of. . .

Group Benefits for Small Businesses in Calgary: Learn About myFlex
  • Mar 19, 2015
  • Denise

Group Benefits for Small Businesses in Calgary: Learn About myFlex

For small businesses in Calgary, Canada’s largest group benefits providers may not offer coverage that suits your business or your employees' needs. Small business group benefits should look different than group benefits for large companies. . .

Nearing Retirement? Here’s Why You Should Keep Your Life Insurance
  • Mar 17, 2015
  • Denise

Nearing Retirement? Here’s Why You Should Keep Your Life Insurance

Life insurance not only remains important as we age, it actually gets more important. While some people may say that it’s not necessary to keep your life insurance as you near retirement, the opposite is in fact true. Here are some reasons why you. . .

Eat Right and Exercise: A Surefire Way to Decrease Your Odds of Using Your Disability Insurance
  • Mar 11, 2015
  • Denise

Eat Right and Exercise: A Surefire Way to Decrease Your Odds of Using Your Disability Insurance

Disability insurance is an excellent safety net that Calgary insurance specialist Denise Higginson recommends to most of her clients. But the best-case scenario is, of course, never having to use it. Having disability insurance is critical for. . .

Finding the Right Insurance for Each Stage of Your Life
  • Mar 05, 2015
  • Denise

Finding the Right Insurance for Each Stage of Your Life

“I’m young. Nothing bad will happen to me. ” That concept of invincibility starts when we’re young, and although we lose a lot of that thought process as we get older (and wiser!), when it comes to insurance, we Calgarians somehow don’t. . .

Mortgage Insurance in Calgary - What Is It?
  • Feb 23, 2015
  • Denise

Mortgage Insurance in Calgary - What Is It?

What is Mortgage Insurance exactly? A lot of my Calgary insurance clients have some misconceptions about what Mortgage Insurance really is. It sounds like a great option for people seeking a real estate mortgage for buying a property, but what. . .

Life Insurance for Businesses in Calgary: The Low-down on Key Man Insurance
  • Feb 23, 2015
  • Denise

Life Insurance for Businesses in Calgary: The Low-down on Key Man Insurance

Most of us get life insurance in order to protect our loved ones in case something unexpected happens to us, where we can’t provide for them the way we once could. For owners of small- and medium-sized businesses in Calgary, have you considered. . .

Small Business Benefits in Calgary: The Importance of Record Keeping
  • Feb 12, 2015
  • Denise

Small Business Benefits in Calgary: The Importance of Record Keeping

Overview: The Romans were great record keepers and perhaps the cause of that empire collapsing was that they stopped taking such meticulous records. Nonetheless, the theme explored in this blog centres on why your business should file all taxable. . .

The New Landscape of Home Buying: Mortgage Insurance and RRSPs
  • Feb 03, 2015
  • Denise

The New Landscape of Home Buying: Mortgage Insurance and RRSPs

Overview: The Canadian government changed the landscape of the housing market in July 2012 by implementing new requirements to secure a mortgage. With a higher down payment required and a hot housing market across Canada, potential homeowners have. . .

Travel Insurance Tips: The Life of a Snowbird
  • Feb 03, 2015
  • Denise

Travel Insurance Tips: The Life of a Snowbird

Overview: It’s funny how in Calgary's winter months snow owls are taking residency on power poles on the east side of the city, while snowbirds are gallivanting to tropical environments far away. Snow owls are great survivalists and don’t. . .

The Legacy of Acme Ltd: A Look at Succession Planning and Business Insurance
  • Feb 03, 2015
  • Denise

The Legacy of Acme Ltd: A Look at Succession Planning and Business Insurance

First generation builds. Second generation maintains. Third generation loses it. It’s not exactly poetry, is it? What’s concerning is the fact that less than a third of small businesses don’t survive the transition from first. . .

An Adventurous Life: The Dumbest Way To Die Is Without Life Insurance!
  • Jan 20, 2015
  • Denise

An Adventurous Life: The Dumbest Way To Die Is Without Life Insurance!

Overview: If working as an astronaut in the vacuum of outer space wasn’t dangerous enough, taking your helmet off while performing a spacewalk is not just an occupational hazard, it’s an epic way to die. One insurance company has pointed this. . .

What If? Critical Illness Insurance for Ease of Mind and Security
  • Jan 09, 2015
  • Denise

What If? Critical Illness Insurance for Ease of Mind and Security

Overview: While this time of year we are often planning our goals for the upcoming year, it is unlikely that those thoughts would include the fact that there might be a time in your life where an accident, injury or illness can prevent you from. . .

Renfrew Insurance Represented Well in Broker Top 30
  • Dec 31, 2014
  • Denise

Renfrew Insurance Represented Well in Broker Top 30

The results for the second annual Top 30 insurance brokers in Canada, as chosen by Insurance Business magazine, have been announced for 2014! The list features brokers from across the country and was compiled thanks to the positive response from. . .

What Is The Difference Between Key Man And Buy Sell Shareholder Insurance?
  • Dec 31, 2014
  • Denise

What Is The Difference Between Key Man And Buy Sell Shareholder Insurance?

Risk management and securing the financial stability of your business are important considerations.   If you don’t want to use your working capital to fund the purchase of your Partner’s shares at death, or experience a loss of revenue due to. . .

Why RRSPs are a good idea
  • Dec 31, 2014
  • Denise

Why RRSPs are a good idea

Registered retirement savings plans (RRSPs) are personal savings plans that are registered with the Canadian federal government. They provide you with a way to save for your future on a tax-sheltered basis. There are two main benefits to an RRSP. . . .

Sun Life-Buffett National Wellness Survey shows important workplace findings
  • Dec 31, 2014
  • Denise

Sun Life-Buffett National Wellness Survey shows important workplace findings

The Sun Life-Buffett National Wellness Survey shows that 24% of Canadian employers consider inactive lifestyle and work-related stress to be the greatest health threat to their employees. The work-related health of employees is becoming a point. . .

CBC reports on the importance of choosing the right travel insurance
  • Dec 31, 2014
  • Denise

CBC reports on the importance of choosing the right travel insurance

It seems many customers who buy travel insurance are left angry and upset when they find out that they’re not actually as covered as they initially thought. It is only when accident strikes that many find out the true extent of their coverage and. . .

CMHC stops offering mortgage insurance for luxury homes
  • Dec 31, 2014
  • Denise

CMHC stops offering mortgage insurance for luxury homes

Canada Mortgage and Housing Corp. (CMHC) announced last week that beginning on July 31, they will no longer offer mortgage insurance for homes costing $1 million or more. This will be the case even for buyers who have made a deposit of 20% or. . .

Survey says employers are concerned about financial challenges facing employees
  • Dec 31, 2014
  • Denise

Survey says employers are concerned about financial challenges facing employees

A recent survey conducted by the International Foundation of Employee Benefits Plans found that more than three in five Canadian and American employers think their employees have more financial challenges today than they did five years ago. In. . .

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