Struggling to feel happy during these uncertain times? Here are a few simple things you can do to boost your mood and inject a little more positivity into your life. 

The increasing costs of a university education is clearly recognized.

Many people would like to start setting funds aside as soon as possible for minor children or grandchildren. And, of course, they would like to use the most tax-effective savings strategy possible. The strategy chosen often largely depends on their financial means, the children's ages and the length of time left to save.

As a new investor you probably have a lot of questions.

When it comes to personal finance, being young has its pros and cons. On the one hand, you may be grappling with a lower salary than, say, your parents, as well as a shorter credit history, which can make it hard to borrow money easily. But on the other hand, you have your whole life ahead of you to make smart money-related decisions, and you have the ability to learn from your older colleagues, neighbours, and friends.

Mix risk-return

Different investors will need different investing strategies and a different mix of investment assets.

Consider Risk and Return: Diversify!

Remember there's no single investment strategy that will ensure success. Your results will depend on your goals, the time you spend investing and the resources you use. Here are examples of investment strategies that can help put you on the right track.

Your objectives may be many and varied.

Perhaps you’d like to:

• save for a trip you’d like to take 2 years from now
• save for your children’s education
• get ready to retire 10 to 15 years from now
• …be rich one day?

Whatever your project, no single investment strategy applies to all investors. A lot also depends on which life stage you are in.

When should I review my investment strategy?

Disability Insurance for a loan: To cover debts (not salary)

Posted on February 15, 2019 by Stéphanie Corbeil

Disability insurance for a loan, whether it's a mortgage, a personal loan, a credit card, a rental lease, a simple loan or a car rental, is used to cover your debts of all kinds (not salary).

Some employers offer social benefits that includes disability and Income Insurance.

However, this insurance is only valid during employment. In the event of a loss or change of employment, the insurance plan ends with the last day normally worked. In the case of a personal protection, everything is fine!

Disability and income insurance provides a source of income during a disability leave so that financial commitments are met, and the individual can concentrate on recovery.

Read some of our tips to be better organized.

Our homes have never been as in demand as they are now. The house is an office, a school, a gym and a protected sanctuary for a deserved rest of the world. This means that it is more important than ever to have an organization system in place to keep the whole house in good working order.