Advice That Makes Sense- December 2017 Newsletter

Deverall, Calma & Associates Financial Services Inc.

Advice That Makes Sense December 2017 Edition

It's hard to get up in the morning when it's dark and cold

A BREAKFAST WORTH GETTING UP FOR
Rise and Shine Peach Pancakes Canadian star chef Mark McEwan starts the day off bright with these tasty pancakes. Made with iconic Canadian wheat and topped with just a touch of sweetness-- homemade peach preserves. Recipe

WHAT WINE PAIRS WELL WITH WOOL?

The Joys of Hibernation

If your favourite part of winter is snuggling by the fire, your spirit animal might just be a bear.

When howling snow chills you, body and soul, comfort food is the answer.

Whether your go-to is chili, mac'n'cheese or a hearty beef dish, the LCBO and Ontario winemakers have a perfect pairing suggestion.

Read more...

COAST-TO-COAST COMFORT FOOD
Regional faves from across Canada Some items like shepherd's pie and beef stew are universal. Other specialties like tourtiere and jiggs dinner have a more regional appeal. Our friends at the Food Network have compiled a list of: 45 Great Canadian Comfort Foods *What's your favourite?*

MAKE LIFE BRIGHTER

Issue: #2017-12

December/2017

SNOW is a four letter word.

Whether you rejoice in it-- or curse it's arrival-- it is here.

Even if you are not a winter enthusiast, the charms of hibernation are hard to deny.

Learning to face and embrace the cold.

BRAVING THE ELEMENTS
Minimizing the risks of winter Canadians know how to prepare for winter. The snow tires go on, the washer fluid is changed to the winter formula and the shovels come out. Warm coats, boots and gloves take prime space in the closet. Before you head out to clear the driveway, save time (and your back) with these great tips from: Consumer Reports

PREPARING FOR THE UNEXPECTED

No one plans to have an accident or illness

Participating in winter sports, shovelling and driving-- or even walking in icy conditions increase the likelihood of a mishap.

You would never consider driving your car without insurance-- so why don't we treat our bodies with the same concern? Sure, our health care system covers many medical expenses, but what about loss of wages or dental emergencies?

If you don't have coverage or are unsure of your benefits, your advisor can do a review of your personal insurance needs.

Call 519-741-1259 or email today to set up an appointment

MARKET UPDATE
Stay current on trends: CI Market Outlook SLGI Market Updates

MATURITY MATTERS
A newsletter just for seniors Did you know that some advisors are specially trained to assist seniors with their financial needs? Mark Calma is our resident CPCA and EPC expert. Check out this month's issue of Maturity Matters

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Deverall, Calma & Associates Financial Services Inc.

209 Frederick Street Suite 2A

Kitchener ON N2H 2M7

519-741-1259

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