Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense August 2018 Edition


How to keep the fear of missing out from messing up your finances
Giving in to FOMO can wreak havoc on your bank account. Here's how to fight it with a genius budget trick - and a little help from your friends.

From scrumptious brunches framed just right to party photos heavy on the merriment and glam, other people's lives as shared on social media can make you feel like you are miles away from living your own best life.

So much so, in fact, that while this endless cascade of highlights is often entertaining or inspiring, it can also give you a major case of FOMO - that's "fear of missing out," for the uninitiated - which can put a strain on your wallet  and your overall health.

What's your plan?
You have already chosen to work with one of our great DCA advisors-- but do you have a financial plan?

This informative video from the FPSC (Financial Planning Standards Council) explains what's involved in creating a plan and how to put it into action.

Maturity Matters
A newsletter just for seniors
Did you know that some advisors are specially trained to assist seniors with their financial needs?
is our resident CPCA and EPC expert.

Check out this month's issue
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Issue: #2018-8 August/2018

A new twist on an old classic

At this point in the season, you have probably attended a few barbecues. Chances are,  there are still a few more on your calendar. 
Potato salad is a perennial  fave for summer parties, but maybe your traditional recipe has gotten a little boring?
Try these fresh new takes from Chatelaine:

 11 Best potato salad recipes
4 fun ways to stay fit this summer
Summer is the time to take your indoor workout routine outside - or try something entirely new. These 4 ideas will keep your routine feeling fresh.

Long, sunny days makes it more tempting than ever to take a break from the treadmill and take your workout outside. "This is the time of year to show your fitness off, and stay engaged in your fitness," says Maureen "Mo" Hagan, the vice-president of program innovation for GoodLife Fitness and canfitpro, the largest provider of education in the Canadian fitness industry.

And while you can technically take almost any indoor workout outdoors, summer's a great time to try totally new workouts to keep your routine feeling fresh and to challenge your muscles in a new way. Try one of these 4 workouts to give your fitness routine a lift this summer.
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Deverall, Calma & Associates Financial Services Inc.

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Kitchener ON N2H 2M7
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