by Rona Birenbaum BAS CFP®, CHFS | Aug 16, 2011 | Cash Flow Concerns
Before your child heads off to University this fall, give them a chance to earn their first “A” by having them complete a Caring for Clients Student Cash Flow Worksheet. In fact, it’s a great project to complete together with your child, since you are likely a big...
by Rona Birenbaum BAS CFP®, CHFS | Aug 7, 2011 | Cash Flow Concerns
Investors are again wondering what they should do as stock markets decline around the world. They wouldn’t be wondering if they had a well crafted Investor Policy Statement (IPS). An IPS is developed by your investment manager/advisor with your input, participation...
by Rona Birenbaum BAS CFP®, CHFS | Jan 9, 2011 | Cash Flow Concerns
At the end of 2009, there were over one million unclaimed bank account balances worth $395 million dollars in Canada. An “unclaimed balance” is a Canadian-dollar deposit or negotiable instrument, issued or held by a federally regulated bank or trust...
by Rona Birenbaum BAS CFP®, CHFS | Sep 19, 2010 | All About Tax, Cash Flow Concerns, Risk Management
Caring for an ill parent brings many challenges; emotional, logistical, physical and financial. On the financial front, in spite of our government funded health care system, caring for an ill parent does result in costs that are not covered by provincial health care...
by Rona Birenbaum BAS CFP®, CHFS | Aug 17, 2010 | Cash Flow Concerns, Retirement
Fighting about money is one of the most common reasons for divorce in North America. Many couples face an overwhelming task when creating and managing the household income. These couples find themselves frustrated when it comes to combining their financial styles,...
by Rona Birenbaum BAS CFP®, CHFS | Apr 13, 2010 | Cash Flow Concerns, We Think You Might Enjoy...
We just received our first electricity bill featuring the new Time-of-Use rates. Since receiving the details of the new rates a few months ago, in our home we have been trying to shift our energy usage to the off-peak times as much as possible. Why? Well, the cost...
