Spectrumly Speaking
June 2016  

Our much deserved dog days of summer are almost here!

While relaxation is a definite must, you'll also want to plan a few activities too.  Why not create a list and hang it on your fridge so you never run out of ideas.

Here are a few low cost or almost free things to do with the children and grandchildren this summer:

Go on a hike, play in the sprinkler, tell jokes, put on a magic show, build a blanket fort, tour a fire station, wash the car, find a 4-leaf clover,  visit the library, take a bike ride, play dress up or even have a water balloon fight.  The list is endless, just use your imagination!

Wishing you loads of fun in your summer adventures!  

Karen, Richard, Jeff, Janet, Ingrid, Sheila and Alicia
The Curious History of Cash 
Cash is widely recognized as meaning financial currency that can be accessed immediately.

The origin of the word cash is less clear.  Some claim that the word cash comes from the modern French word caisse, which means (money) box, from the Provencal word caissa, from the Italian cassa, from the Latin capso all meaning box.  In the 18th century , the word passed to refer to the money instead of the actual box containing it.  Another claim is that it was derived from the Tamil word kasu meaning a coin, by the East India Company. 

 Health Issues and Ailing Parents 
If a disease such as Alzheimer's which impacts mental abilities, affects your parent, they may be unable to make decisions for themselves.  Consequently, someone, usually a family member or members will have to take on this responsibility.  This will be done with...

The Canada Child Benefit - 4 Key
Planning Points to Consider

Budget 2016 introduced a new child benefit program called the Canada Child Benefit (CCB).
This program replaced the UCCB, and despite their similar acronyms, they are very different from one another.

Understanding Management E xpense
Ratios (MER) of Mutual Funds

Click Below to Watch a Short Video  
Monthly Features
Seminars, Market Watch, Office News & Tips
Announcing Our 2016 Line Up of the
"Holistic Planning Seminar Series"

If you are in the Barrie area, check out our upcoming seminars.
Our Retirement Income Planning Seminar will be held on September 29th, 2016.  Feel free to bring along a friend, co-worker or family member that you feel may benefit from the information we are sharing.

Market Watch

Market Watc h 

For those with more of an interest in what has happened in the markets this past month, Click here for an update. 

Spectrum Team

Messages from your  

Spectrum Office Team ...

  • A heartfelt thank you to those of you who came out to our Special Needs Planning Night.  Due to the overwhelming response to this, we have added an additional Seminar in late October!
  • Our Compliance Department would like to remind you that when forms are sent for your signature, you must also date these forms.  Failure to date the form will result in a processing delay.  Thanks for your diligence!  
Tip of the Month - Start a Garden

Gardening can be an inexpensive hobby if you have a yard.  Just rent a tiller, till up a patch and add some soil.  Plant some plants, keep it weeded, and you'll have a low-cost hobby that produces healthy food for your family.

I like planting a bunch of tomato plants and enjoying a huge flood of tomatoes at the end of each summer.  We like to eat them fresh, can them, and make tomato juice, sauce, paste, pasta sauce and pizza sauce.

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Spectrum Financial Strategies
339 Huronia Road Barrie, ON L4N 8Z1

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