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A
Message From Terry |
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Financial
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About
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This newsletter is courtesy of Terry Fay and RetirementByDesign.ca. Please remember that while strategies outlined within this newsletter may be appropriate for some investors, you should always consult a financial advisor to determine if they are appropriate for you.
Sincerely,
Terry
Hello
:
This poem was written by an American, Lt. John Gillespie Magee, who joined the Royal Canadian Air Force as a volunteer in 1940 and was killed in action over England a year and a half later. He was just 19 years old.
High Flight
Oh, I have
slipped the surly bonds of earth
And danced the skies on laughter-silver wings
Sunward I’ve climbed, and joined the tumbling mirth
Of sun split clouds-and done a hundred things
You have not dreamed of- wheeled and soared and swung High in the sun
lit silence. Hov’ring there,
I’ve chased the shouting wind along, and flung
my eager craft through footless halls of air.
Up, up the long, delirious, burning blue
I’ve topped the windswept heights with easy grace
Where never lark, or even eagle flew.
And, while with silent, lifting mind I’ve trod
The high un-trespassed sanctity of space,
Put out my hand, and touched the face of God.
Lest we forget.
Our office is closed on November 11.
Start Early, Invest regularly, and Seek Higher Returns
There are three main rules to investing. Start early, invest regularly and seek higher returns. After that, you simply need to be aware of the factors that can affect your plan, both positively and negatively.
RRIF Season:
We are nearing the end of the year and the beginning of RRIF season. For those of you who turned 69 years old in 2004, you need to transfer your RRSPs to a RRIF on or before December 31, 2004. Many of the financial institutions we work with are offering special interest rate incentives during RRIF season.
Once your RRSPs are transferred to a RRIF, you will start taking an income from your RRIF. Income has to start before the end of 2005. If your spouse is younger and you need less income, you can have the income from the RRIF based on your younger spouses age.
If you or someone you know has a question about RRIFs please call me and I will be happy to answer any and all of your questions.
The feedback
from clients about our new name, Retirement by Design, has been very
positive. Thank you for your comments
All you really need to know is that we are committed to helping our clients achieve financial security and peace of mind.
Our Mission: Enhancing peoples lives by creating a positive life vision and the money to support it through our unique approach to financial planning.
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Mutual Fund Products Offered Through Dundee Securities Corporation.
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