Wearing Your Seat Belt, From A Police Officer's Perspective
We've heard it before "Wear your seat belt." It's the same old line. But ride along with a police officer to accident scenes daily, and you'll probably change your mind real quick if you don't wear them now.When I first started in police work, I didn't wear my seat belt. At the time, there was no law requiring it. But my opinion changed very quickly after doing the job for only a short period of time.For starters, I discovered that some of your very minor accidents resulted in more

Help Save Your Local Pool Company!
It’s clear that major market buyers such as Wal-Mart, Home Depot and BJ’s, your typical wholesalers, are starting to infiltrate the pool industry by selling large quantities of pool chemicals. The Problem with these companies is the lack of knowledge, plain and simple. Try asking John Doe behind the counter at Sams Club how many bags of shock you should put in your pool to get rid of the algae. Try asking Jane Doe stocking shelves if Chlorine or Baquacil is right for you. It’s a waste of time and

Radio and Television Ads: Clever Vs. Annoying
Ever heard or seen a radio or television commercial that you really liked and actually looked forward to hearing or seeing again only to be assaulted by another one so annoying it made you want to heave your radio or television out the window?What makes one commercial so enjoyable while others seem to be so abysmal? It’s all in the ability to make the listener or viewer remember the ad in a creative, clever way and I’m about to give you some advice on how to do just that so read on!are better than not saving for your retirement.

There are different viewpoints on whether you should pay down your mortgage or contribute to your RRSP first. Which gives you the best monetary advantage? Should you consider taking out some equity you’ve gained in your home and purchase RRSP’s and other investments? One strategy is Fraser Smith’s “Smith Manoeuvre” which takes money from your house to invest and makes your mortgage tax deductible. Recently, Craig Alexander, Vice President and Deputy Chief Economist for TD Bank Financial Group visited Calgary. When asked these questions, Alexander’s standard bank answer was, “For several years now, banks have pushed the idea that you should contribute to your RRSP and then use the refund cheque to pay down. This way you pay down both.“

While this statement rings true, do you get more bang for your buck that way? Think about it. Banks want you to invest in their RRSP’s and to take your time paying down your mortgage. They make significant income from the interest you pay them every month. Should you be asking your bank for financial advice? Remember that the person behind the desk gets paid by the bank, therefore, they tend to put the bank’s interests first. Look to a trusted, independent financial planner to give you a more unbiased point of view.

Is Calgary’s Housing Bubble Going to Burst?

Is it safe to take equity out of your house for investment purposes? What if the Calgary housing bubble bursts and property values drop? There is a certain amount of risk in this as real estate prices can fall. In the past year, this has happened in California and several other American states.

Craig Alexander from TD Bank Financial Group addressed this question and believes the Calgary housing market will not burst and will experience a soft landing. The reasons he stated for his opinion were clear. In California, the housing market was heavily influenced by speculators: people buying homes for investment purposes. “When economic conditions are booming, it can also create the perfect breeding ground for speculative price bubbles to form. That’s because in such an environmen

al Group visited Calgary. When asked these questions, Alexander’s standard bank answer was, “For several years now, banks have pushed the idea that you should contribute to your RRSP and then use the refund cheque to pay down. This way you pay down both.“

While this statement rings true, do you get more bang for your buck that way? Think about it. Banks want you to invest in their RRSP’s and to take your time paying down your mortgage. They make significant income from the interest you pay them every month. Should you be asking your bank for financial advice? Remember that the person behind the desk gets paid by the bank, therefore, they tend to put the bank’s interests first. Look to a trusted, independent financial planner to give you a more unbiased point of view.

Is Calgary’s Housing Bubble Going to Burst?

Is it safe to take equity out of your house for investment purposes? What if the Calgary housing bubble bursts and property values drop? There is a certain amount of risk in this as real estate prices can fall. In the past year, this has happened in California and several other American states.

Craig Alexander from TD Bank Financial Group addressed this question and believes the Calgary housing market will not burst and will experience a soft landing. The reasons he stated for his opinion were clear. In California, the housing market was heavily influenced by speculators: people buying homes for investment purposes. “When economic conditions are booming, it can also create the perfect breeding ground for speculative price bubbles to form. That’s because in such an environmen

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