Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense October 2017 Edition

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Not your average autumn 
COMFORT WITHOUT CARBS  
Apple Pie Dump Cake
It's easy, delicious and guilt-free, does it get any better than this?
Take advantage of the great prices on local fruit this fall and whip up this beauty for dessert or just a treat with your coffee.
Get the recipe here or visit www.sugarfreemom.com
 SUGAR IS THE NEW
 SMOKING                 
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Death by dessert?

In recent years, nutrition experts have warned us about the detrimental effect that sugar has on our health.

Bad news if you have a sweet tooth. As a result, many sugar-free recipe sites have sprung up all over the internet (see our suggestion above).

Even if you are not a dessert-lover, you may still be at risk.

The average Canadian consumes 26 teaspoons of sugar per day. An abundance of processed foods in our diet make hidden sugar the leading contributor to that hefty total.

But how do you spot it?  
LOCAL TREASURES      

Why eating seasonally is good for you-- and your wallet

We are blessed in this area to have such an abundance of locally- produced food. Whether you find it at one of the farmer's markets, or at your grocery store, local seasonal food offers many advantages. 

Here's why...
CHEERS TO OKTOBERFEST    
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The annual festival is almost here
Love it or hate it, this popular attraction injects a lot of money into our local economy.
Before we were all tekkie and hipster, our Bavarian beerfest put Kitchener-Waterloo on the map.
In the 48 years since its inception, KW Oktoberfest has grown to be so much more than suds and schnitzel.
Today, there are over 50 events listed on the KW Oktoberfest website, and many have nothing to do with beer.
If you have been avoiding all things Bavarian, or haven't been to the event in years, perhaps 2017 is the year you give it a try?
Even if you are a regular attendee, why not expand your horizons and check out everything the festival has to offer?
Gemuetlichkeit! autumn_leaves.jpg
Issue: #2017-10 October/2017
                   
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So far, 2017 has been a year of extremes.
Whether we look at climate and weather events or political happenings, there is nothing typical about this year.
Most of us keep an eye on the world stage, but the day-to-day business of working and caring for our families is still our biggest priority. Issues like wage increases and tax hikes have a more immediate effect on our everyday lives.
So how do we protect our personal harvest?
WHAT IS DOLLAR COST AVERAGING?
Slow and Steady wins the race
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Investing in today's volatile financial markets can be a nerve-rattling experience.
With a strategy called dollar cost averaging, or DCA (just like our name), you invest a specific amount on a regular basis-- no matter what the market is doing.
GETTING THE MOST FROM YOUR BENEFITS
Coverage for things that matter
When companies are feeling the economic pinch, benefits are usually the first place they cut. Unfortunately, that sometimes results in employees losing coverage on things they use regularly, only to have it replaced with something that sounds good, but is seldom necessary.

Whether you own a business, or work for someone else, we can help design a program that is practical and affordable.

 

Dave Deverall
is DCA's employee benefits expert. 
Find out how we can help you make the most of your benefits. 
HOW WILL I COVER MY HEALTH
COSTS WHEN I RETIRE?
If you're developing a retirement budget, remember to factor in costs that the provincial health plan doesn't cover, such as prescription eyeglasses. elder-couple-stream.jpg
  
Canadians tend to be proud of our government health insurance, but many of us think it covers more than it actually does. Research over the years has shown that while most Canadians expect to pay nothing for various health services, many of us actually pay a substantial amount for health costs out of our own pockets.
MARKET UPDATE
Stay current on trends:stock-investment-pennies.jpg



 
MATURITY MATTERS
Whether you are retired or  
caring for an aging parent, this newsletter has lots of valuable information for seniors:


Courtesy of
Mark Calma,

our resident CPCA Advisor.

 
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Your DCA Team
Deverall, Calma & Associates Financial Services Inc.

209 Frederick Street Suite 2A
Kitchener ON N2H 2M7
519-741-1259
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