SPECTRUMLY SPEAKING
November 2023
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Hello!
We hope this email finds you and your family all well and bundled up! The weather certainly has turned on a dime.
With Remembrance Day tomorrow, we wish to acknowledge the courage and sacrifice of those who served their country and pay tribute to the brave men and women who fought to protect the fundamental rights and freedoms that we cherish today.
Sadly, battles are still being fought globally and Remembrance Day is, unfortunately, a timely reminder of the incredible acts of bravery and heroism. Our hearts go out to all as we remember the past and the present.
Stay healthy, stay safe, and stay in touch!
Karen, Richard, Janet, Jeni & Cathy
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December 29th End of
Year Tax Deadline
We all want to get the most from our money; one sure way is to take advantage of all the tax strategies that we can. December 29th is an important deadline to minimize some of your taxes owing. It's the last day to contribute to your RESP, RDSP, TFSA or FHSA before the end of the year, and to make charitable donations to offset income taxes. If you haven't already discussed this with us, please reach out, there's still time!
Click the button below for a number of ways to save on your taxes.
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What Has Barbie Done for
Women & Their Money?
Barbie has always been ambitious and hard working; she has enjoyed many varied careers over her 64 years. Hmmm, wait; Financial Planner Barbie? Doesn't ring a bell.
With 94% of women believing they'll eventually become the sole financial decision-maker in their household; it's time for women to listen to Barbie!
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How to Be a Financially Prudent Grandparent
Gifts, dining out, and entertainment may bring a smile to the grandkids' faces today, but there are so many more lasting gestures they will appreciate when they get older. Manulife recommends creating a budget to avoid overspending, and consider contributing to an RESP, or gifting life insurance. It's tempting for any grandparent to spoil the grandkids, but what they really need is our time.
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Modern Manners
The pandemic has created new ways of going about our lives - whether at home, work, or play. It's changed the ways we interact with others, and created new precedents when it comes to manners.
This engaging article provides a number of ways etiquette has changed over the past few years.
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Tried & True Methods for Managing Market
Ups & Downs
The graphic below demonstrates just one method to make the most of your investments, Dollar-Cost Averaging. By making regular investments, you can level out your risk. Click the graph below for 5 timeless tips for managing market volatility.
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Spectrum Office Updates & Tips |
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Right now, you can get 5.25%* interest for four months when you open a new Manulife Bank High Interest Savings Account. When your promotional rate ends, you’ll still have one of the strongest everyday high interest rates in Canada -currently 2.85%.
With no monthly fees, and full access for everyday banking, this is an ideal way to earn interest on your savings, while keeping your funds accessible.
Click below to complete the 5 minute application.
Or, as always, call us to set up a time to talk about your individual situation,
and how we can help. 705-725-0562
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Our New Website is Up & Running!
Click below to check out our new website! It contains handy calculators, guides, past newsletters, and the legacy of Spectrum Financial that began almost
55 years ago.
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Following up on their commitment to continual education, Karen and Richard recently attended the annual Worldsource Educational Conference in beautiful Collingwood.
Staying on top of offerings, concepts and strategies is so important to continue to provide the best service to our clients!
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Financial Markets
Week in Review
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For those interested in a deeper look at what happened in the financial markets this past week, this is for you. |
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Spectrum Financial Strategies
134 Collier Street, Barrie, ON L4M 1H4
705-725-0562 www.spectrumfinancial.ca
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