Spectrumly Speaking
December 2018    

We hope this e-newsletter finds you and your family all well and enjoying the end of the fall season ~ the beginning of the holiday season.

As we go about indulging and spending a little more during the month of December, you may start to think about New Year resolutions and how you may change some of this behavior come January 1st.  Health-style, Family, Finances, and Career tend to be the top areas individuals wish to focus on making improvements to. 

If you may have some ideas in mind to work on, here are 5 tips to make your resolutions last and ultimately meet your goal with success:

1)  Know Thyself - tie your goal to your strengths and areas of competence and stay within reasonable and achievable boundaries.

2)  Own your Goal - Connect your goal to a deeper, ultimate desire.  Not just "I want to..." but why and what positive effects will it have on you and others.

3)  Break it Down - Achieving smaller goals creates a self-propelling momentum.

4)  Visualize the Obstacles -  Have a plan for potential challenges you may face so you have a work-around when you stumble upon them.

5)  Focus on the Feeling - Rewarding yourself after achieving success of a smaller goal is important to stay motivated.  Revel in the feeling of the little accomplishments.

Good luck !!

Wishing you a Fantastic December.  We look forward 
to working with you in 2019!

   Karen, Richard, Janet and Sheila
Happy Hanukkah to those celebrating !
   May this season of beauty and light
            fill your heart and home
                    with happiness.

Merry Christmas to those celebrating !

May the Christmas season fill your home with joy, your heart with love, and your life with laughter.

TFSA Contribution Limit for 2019
has increased to $6,000. (from $5,500)
If we routinely make the maximum contribution for you every January, please send us a quick note to confirm you wish us to proceed at the $6,000. level.
The Right Time to Sell

You purchased your dream home for $400,000. 
In today's housing market it is now worth $300,000.  
Would you sell because markets are down?  NO!

Your investments are no different.  
When the markets are down, should you sell?  NO! 
You are invested for the long term, just like your home.

The Right Time to Buy

You have saved for many years and have your eye on your dream home expecting to pay $400,000.  The markets have dropped and the purchase price for this home is now $300,000.  Would you change your mind because the price dropped?  NO! 

It's the perfect time to buy this home!  
It is no different with your investments.   It is a great time to invest!  

Heading South this Winter Season?
Do you know what to look for when buying 
travel insurance?

(just scroll down to 'Get free Quote')
      Pay your Family First this
            Holiday Season !!

If you are planning on making an additional contribution to your RRSP, RESP, RDSP or TFSA before the end of the year, please notify us immediately.   We want to be sure we get this organized for you before the hectic holidays begin.

Monthly Features
Seminars, Market Watch, Office News & Tips
Spectrum Team



As we previously announced, Ingrid Myra is no longer with our team.  If you used to previously correspond with Ingrid directly, please reach out to Janet and she will be happy to assist you.     janet@spectrumfinancial.ca

Date to be announced early in the New Year. 
Stay tuned for details ...

Our Holiday Schedule

It is important to take some time with family & friends and to rejuvenate before the New Year begins.  With this in mind, the following  is our holiday schedule:

Monday December 24 - Closed
Tuesday December 25 - Closed
Wednesday December 26 - Closed
Thursday December 27 - Open with skeletal staffing
Friday December 28 - Open with skeletal staffing
Monday December 31 - Closed                                                 
Tuesday January 1 - Closed                                                     Thank you !!
Wednesday January 2 - Back in full swing!

Market Watch
Market Watch   

For those with more of an interest in what has happened in the markets this past week, click here for an in-depth update from TD.
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339 Huronia Road Barrie, ON L4N 8Z1

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