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Canada: Finance, Real Estate, Insurance, Immigration

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Открыта: 26-03-2010

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Canada: Finance, Real Estate, Insurance, Immigration:#31 How to become wealthy in 2013?


Dear readers,

Today we get to know about:

1.How to become wealthy in 2013

2.Year End Mortgage Newsletter, By Elana Rendell – Mortgage Specialist

3.Critical Illness Health Risk Insurance Canadians

4.Super Visa is Good News for Many

Video content:

Immigration to Canada Provincial Nomination Program
Super Visa Visitors Canada Medical Insurance
 Сrisis 2008 Vancouver, Canada
RESP savings plans for their children's education
An insurance agent in Vancouver, British Columbia

How to become wealthy in 2013


wealthThe New Year 2013 is near and many of us will be making new resolutions, setting new goals and sending good wishes to our loved ones. As a financial adviser I would like to wish all of youwealth.
There are numerous definitions of wealth, many of which are true in their own way. My favorite is “in order to determine how wealthy you are, try to answer as honestly as you can: how long will you be able to survive financially, without changing your lifestyle if you stopped working right now?” The longer the time frame, the richer you are. To be truly wealthy is if you are able not to work for the rest of your life.

According to statistics, 75% of prosperous people earn their wealth on their own, while only 11% get it through inheritance. Those of us living in Canada are automatically wealthy, because we are able to survive without working on subsidies, financial assistance and various financial grants from the Government, funded by the taxpayers’ money. This kind of lifestyle, however, is not suitable for all of us.

Are you going travel to Canada?
Buy Visitors To Canada Insurance On-line

Super Visa Canada Medical Insurance

Canada Dental Insurance

In order to provide for ourselves and our families, it is recommended to invest 10% of our earnings to financial market, real estate, precious metals or family business. It’s important to let the money ‘work’ and not waste away. In Canada, where income tax is high it is also crucial to take advantage of the financial tools that can help decrease it significantly.

To protect their families financially many of us buy insurance, life insurance in case the family loses its main source of income, permanent life insurance to transfer money between generations, critical illness insurance, disability insurance as well as Super Visa insurance for visiting parents and travel insurance.

If you require any help with investing, lowering your income tax or insuring yourself and your wealth, please don’t hesitate to contact me. I will be happy to assist you!

Happy Holidays!

Year End Mortgage Newsletter, By Elana Rendell – Mortgage Specialist


With 2012 coming to a close, I want to sincerely thank you for your continued support throughout the year. Please accept my warmest wishes to you and your family over the holiday season and the coming New Year!

(FINAL 2012) MARKET SUMMARY

Though many external factors still loom, growth in the Canadian economy is expected to pick up over the course of next year. Headlines we are watching closely include: Canadian household debt and real estate levels, uncertainty over the US “fiscal cliff”, and the euro-area debt crisis.
∙ Canada’s gross domestic product is forecasted to grow just below 2% next year and accelerate to about 2.3 per cent in 2014.

∙ Concerns on household debt seem to be easing. On an annual basis, debt growth is at its slowest pace seen since 2002, and half the pace seen during the 2004-08 period.

∙ Canada’s housing market is showing great staying power in the face of the global economic slowdown. Mark Carney has said recently that a combination of new mortgage rules introduced by the federal government, as well as a clear tightening bias from the central bank, are working successfully together to cool Canada’s red hot housing market. Major markets are cooling as a more sustainable housing situation in Canada is within sight.

∙ Markets appear generally optimistic that there will be a positive result in negotiations to avoid the fiscal cliff in the United States.

∙ A worsening european crisis could effect Canada through tighter financial conditions and waning confidence. A weaker global demand would negatively impact Canadian exports and commodity prices.

∙ Interest rates should increase (gradually) starting late next year as economic activity revs up.

Visit www.elanarendell.com to get started on an application today!

The remainder of this month’s edition looks at the latest research report on the state of Canada’s residential mortgage market, as well as suggests some home maintenance, repair and security tips. Please let me know if you have any questions or feedback regarding anything outlined below.

CLick below for the full newsletter link!

Thanks again for your continued support and Happy Holidays!

Critical Illness Health Risk Insurance Canadians

What Critical Illness Is

You can

buy Fast and easy Critical Illness insurance Now
For this plan you must be between the ages of 18 and 65.
In addition to the age requirements, you must speak either English or French
and be Canadian resident and must satisfactorily answer the medical
questions that will appear on the screen as you go through the
application process. To get additional information about products
and Get a Quote: Apply For Canadian Critical illness Insurance (On-Line) .

Features of Critical Illness Insurance

  • Provides a lump sum of tax-free money 30 days after you are diagnosed as having an insured illness (eg. heart attack, stroke, cancer).
  • Is independent of your ability to still work.
  • Thanks to modern medicine, most people now survive critical illnesses, but the financial costs can be staggering. Critical illness insurance helps you maintain your financial footing, while getting the best treatments possible.
  • Must survive at least 30 days in order to collect.
  • If the insured dies, all premiums are refunded to the beneficiary (standard feature for most critical illness insurance plans).
  • Available to people between the ages of 18 and 65.
  • Available as a stand alone policy or as an additional feature within another life insurance policy.
  • Important statistics: 1 in 3 Canadians will develop a life threatening cancer. Many drugs used in the treatment of cancer are considered “experimental” and are therefore NOT covered by provincial medical plans. The average age of people who go on claim for Critical Illness Insurance is 43 years old.

Options

  • Benefits range from $25,000 up to $2,000,000
  • Coverage can be for 10 years, to age 65, to age 75, or to age 100 (permanent coverage).
  • Return of premium: premiums will be returned to you if you do not claim after 10 years or by age 75.
  • Waiver of premium: a safeguard against losing your policy. If you have an accident and become disabled, you may no longer earn a high enough income to pay your insurance premiums. With the Waiver of Premium option selected, after 6 months of disability, the insurance company will waive all of your premiums so you do not lose your policy. They also refund the premiums you paid over the last 6 months.
  • Available in two forms: Basic and Comprehensive.
    Basic plans cover heart attack, stroke, and cancer.
    Comprehensive plans cover heart attack, stroke, and cancer, as well as up to 18 other illnesses (see list of insurable illnesses below).

List of Insurable Illnesses:

Heart Attack
Stroke
Cancer
Coronary Artery Bypass surgery
Paralysis
Multiple Sclerosis
Major organ transplant
Major organ failure on waiting list
Loss of independence
Late onset diabetes
ComaOccupational HIV Infection
Deafness
Parkinson’s Disease
Alzheimer’s Disease
Loss of speech
Kidney failure
Motor Neuron Disease (ALS)
Blindness
Severe burns
Benign brain tumor
Uses of Critical Illness Insurance

  • Get the latest treatments and best services medical science has to offer
  • Allow your partner to take time off during your recovery
  • Recover your financial footing after surviving a critical illness
  • Spend your last days doing something you love (eg. travel)
  • Pay for private nursing care
  • Semi or early retirement
  • Pay off the mortgage, pay for child care, hire domestic help, etc.
  • Modify your home to have better mobility
  • Take time off to fully recover before returning to work

Critical illness Canculator How Much You Need

List of Insurance Companies Located Here

Common terminology found in Critical Illness Insurance

Request Quote

Prefer to talk to a live person?
Call : 1.604.875.8878

Critical Illness is a relatively new coverage in Canada Critical Illness (CI) insurance is a relatively new coverage in Canada that guarantees the payment of a lump sum benefit between $50,000 to $2,000,000 if you are stricken by a critical illness such as cancer or a heart attack. CI provides the financial resources to fill the gap that may be created between health insurance plans and other expenditures you may have or help replace lost income. This type of support can help tremendously in maintaining your quality of life and financial security during the recovery period and help you face your new challenges. Government health plans and group insurance benefits are limited to basic medical and hospital care in Canada and Disability income coverage pays a monthly income only if you can’t work. For Critical Illness insurance, for example, if you suffer a heart attack and are able to return to work, CI still pays. The maximum coverage amount available varies depending upon the insurance company issuing the plan. Each company exactly defines the critical illnesses they are covering in their policy contracts. Over 20 different illnesses may be covered extending cancer, heart attack and stroke to organ transplants, deafness and more. You must survive a critical illness for a fixed period of time to receive the coverage amount, usually 30 days. In other words, if you suffered a heart attack, you must live at least that long to receive this payment.
If you suffer a critical illness, you do not receive the coverage amount as a monthly benefit. Instead, payment is made in full, as a lump sum amount. There are no conditions as to how you use the funds. The money unconditionally belongs to you. You are the one who decides how it will be spent.
We can help you secure your financial future by ensuring you have the money to keep your home and lifestyle should you be stricken with a Critical Illnesses covered under this plan. Contact us for more information or run your own quote at our website (coming soon)

Michael Arbetov, CFP, FMA
For Self-Employed People Buy Health Medical and(or) Dental Plan On-Line For Individuals and Families

Gold & Silver in Canada

December 23, 2012

Item Buys CAD Sells CAD Buys US Sells US
1 OZ GOLD BAR
(1+ BARS)		 $1,634.00 $1,685.00 $1,646.00 $1,693.00
1 OZ GOLD BAR
(10+ BARS)		 $1,634.00 $1,683.00 $1,646.00 $1,691.00
1 OZ GOLD BAR
(50+ BARS)		 $1,634.00 $1,681.00 $1,646.00 $1,689.00
1 OZ GOLD BAR
(100+ BARS)		 $1,634.00 $1,679.00 $1,646.00 $1,687.00
5 OZ GOLD BAR
(1+ BARS)		 $8,161.00 $8,390.00 $8,221.00 $8,431.00
5 OZ GOLD BAR
(20+ BARS)		 $8,161.00 $8,380.00 $8,221.00 $8,421.00
10 OZ GOLD BAR
(1+ BARS)		 $16,302.00 $16,761.00 $16,422.00 $16,842.00
10 OZ GOLD BAR
(10+ BARS)		 $16,302.00 $16,741.00 $16,422.00 $16,822.00
1 KILO GOLD BAR (32.15 TROY OZ.) $52,315.00 $53,599.00 $52,700.00 $53,857.00
1 KILO GOLD BAR
(5+ BARS)		 $52,315.00 $53,535.00 $52,700.00 $53,793.00
1 OZ GOLD MAPLE
.9999 (1+ COINS)		 $1,641.00 $1,704.00 $1,653.00 $1,712.00
1 OZ GOLD MAPLE
(10+ COINS)		 $1,641.00 $1,701.00 $1,653.00 $1,709.00
1 OZ GOLD MAPLE
(50+ COINS)		 $1,641.00 $1,697.00 $1,653.00 $1,705.00
1 OZ GOLD MAPLE (100+ COINS) $1,641.00 $1,694.00 $1,653.00 $1,702.00
1/2 OZ GOLD MAPLE
 $834.00 $891.00 $841.00 $895.00
1/4 OZ GOLD MAPLE
 $421.00 $454.00 $424.00 $456.00
1/10 OZ GOLD MAPLE $172.00 $190.00 $173.00 $191.00
1/20 OZ GOLD MAPLE $86.00 $111.00 $87.00 $112.00
1 OZ GOLD MAPLE
.99999 RCMP		 $1,646.00 $1,737.00 $1,658.00 $1,745.00
1 OZ GOLD MAPLE DAMAGED / .999 $1,619.00 $0.00 $1,631.00 $0.00
1 OZ SILVER MAPLE (1+ COINS) $30.55 $32.61 $30.77 $32.77
1 OZ SILVER MAPLE (50+ COINS) $30.55 $32.36 $30.77 $32.52
1 OZ SILVER MAPLE (500+ COINS) $30.55 $32.26 $30.77 $32.42
1 OZ SILVER MAPLE (3,000+ COINS) $30.55 $32.16 $30.77 $32.32
1 OZ SILVER MAPLE (5,000+ COINS) $30.55 $32.07 $30.77 $32.22
1 OZ SILVER MAPLE ANTELOPE (2013) $30.55 $33.86 $30.77 $34.02
1 OZ SILVER MAPLE MOOSE (2012) $30.55 $33.86 $30.77 $34.02
1 OZ SILVER MAPLE COUGAR (2012) $30.55 $33.86 $30.77 $34.02
1 OZ SILVER ROUND (1+ ROUNDS) $29.70 $31.87 $29.92 $32.02
1 OZ SILVER ROUND (100+ ROUNDS) $29.70 $31.62 $29.92 $31.77
1 OZ SILVER ROUND (500+ ROUNDS) $29.70 $31.37 $29.92 $31.52
10 OZ SILVER BAR
(1+ BARS)		 $297.00 $318.00 $299.00 $320.00
10 OZ SILVER BAR
(10+ BARS)		 $297.00 $315.00 $299.00 $317.00
10 OZ SILVER BAR (100+ BARS) $297.00 $313.00 $299.00 $314.00
50 OZ SILVER BAR $1,485.00 $1,568.00 $1,496.00 $1,576.00
100 OZ SILVER BAR
(1+ BARS)		 $2,970.00 $3,107.00 $2,992.00 $3,122.00
100 OZ SILVER BAR (10+ BARS) $2,970.00 $3,087.00 $2,992.00 $3,102.00
100 OZ SILVER BAR (50+ BARS) $2,970.00 $3,077.00 $2,992.00 $3,092.00
1 OZ PLATINUM
BAR		 $1,503.00 $1,596.00 $1,514.00 $1,604.00
1 OZ PLATINUM MAPLE $1,543.00 $1,642.00 $1,554.00 $1,650.00



We recommend to visit websites:

Life insurance Ideas is the best way to get peace of mind.
Insurance hints help you to save money on life and disability insurance.
Lowest Insurance Quotes From Top Insurance Companies There are so many ways on how to get low insurance quotes. When you have full access to the internet, you will notice that there are hundreds of sites that offer low business insurance quotes which your company can afford.
Best Dental Insurance blog helps you to find proper advice how to get the best appropriate dental coverage for your family and you.

Insurance for Super Visa and for visitors to Canada

Business sites(catalogs):

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