SPECTRUMLY SPEAKING
May 2022
Greetings!

We hope this newsletter finds you and your family well and for all of our client Mother's, we hope your special day was filled with appreciation, kindness and you were able to enjoy some of that incredible sunshine!

Unfortunately however, there is quite a bit of darkness in the world today that may be adding undue stress and pressure to your lives.
Escalating costs at the pumps and grocery stores, increasing interest rates effecting our household expenses, and political and market instability, all of which our out of our control.
If you have concerns, we are here to help. Let's review your situation, look at strategies and techniques to reduce financial pressures, regain some control and let you sleep at night. We are just a phone call or email away!

Please continue to stay safe, stay in touch, and stay positive.

Karen, Richard, Janet & Jeni
Articles of Interest
How Will Rising Interest
Rates Affect Me?

We've all heard about the rising interest rates in the news, but do you know how they will affect you personally?
Manulife has a printable worksheet and handy calculators that will walk you through your debt, stress test your household, and help you find ways to pay down your debt faster.

It's Planting Season!

The April Showers have done their job; now it's time to clean up those garden beds and get planting!
(A little birdie told us we are fortunate enough to have an early planting season here in Ontario!)
Check out all these great ideas for your gardens and lawns.
Tell me you don't feel inspired!
Changes Coming to Blind Bidding In Real Estate

Homebuyers have been frustrated over the way offers have been received for years. There are changes coming soon; but will more transparency make the bidding wars cool down, or make them worse?
This article explains what could happen if blind bidding is removed, and who would most benefit.
Volatility is Inevitable; How You Handle It Makes All the Difference

Changes in your investment portfolio can be troubling, especially when you're on the downswing.
The best thing for investors to do, is be prepared.
By following a few timeless principles, we can help you weather the ups and downs. 

Expecting An Inheritance?
How do you plan ahead when expecting an inheritance? With the help of Professional Financial Planners, of course! We can help you make the most of the gift you've been given. There can be a lot of indecision, and confusion at such an time; we can help you make smart decisions that are best for you.
Help Us Help You -Take our Poll!
Results will be posted in the next Newsletter!
Have you been worried about your investments more or less this year, than in previous years?
No, I'm comfortable with highs and lows
A bit; it's difficult when I see my investments go down
Yes, I'm very concerned
I haven't really thought about them, I trust my Spectrum team
Spectrum Office Updates
Our very own Richard, celebrated a milestone birthday; he turned 80 on May 5th!
Still working hard, but enjoying a bit more time with his lovely wife, Melvina.
Thank you to everyone who took the time to send special wishes ~
Richard is very appreciative!

l-r: Sheila, Richard, Karen & Janet.
Our Spectrum team really do stick around ~
Janet is celebrating 22 years with us!
She started off as our Receptionist back on May 8, 2000 and is now our administrative assistant managing all transactions, our client relationships and us!!
We don't know what we would do without her, and the wealth of knowledge she has attained over these years - not to mention her amazing baking skills!

Happy 22nd Spectrum Anniversary, Janet!
Financial Markets
Week in Review
For those interested in a deeper look at what happened in the financial markets this past week, this is for you.