Spectrumly Speaking

Summer 2018

We hope this newsletter finds you well and enjoying the lazy, hazy days of summer.

We have put together a variety of articles that we hope may be of interest to you or perhaps relevant to someone in your life. Please feel free to share them with family or friends.

As a reminder, please be sure to keep us informed of any changes to your contact information. With today's technology, we are finding that many people are giving up their home lines in favor of their cell phones and are changing employment and email addresses more often as well. We want to ensure our records are up-to-date. Please reach out to Sheila with any changes.

We wish you, and your family, the best of the summer season.

Karen, Richard, Jeff, Janet, Ingrid and Sheila

Estate Planning in the Cyber Age

Experts estimate that by 2020, the average Canadian will accumulate, over a lifetime, more than $10,000 worth of assets stored online.

It is important to document your digital assets and grant a trusted person the power to access and handle these in the event of your incapacity or death.

Here is a great example of someone's Digital Wallet.

Read the full article on the importance of including Digital assets in your Estate Plans.

** Email us if you would like a "Planning for Digital Assets" worksheet.

Are you Considered a

First Time Home Buyer ??

There are several beneficial programs offered to first time home buyers but you must qualify as one. It may not be as simple as you think.

Here is a blog post that touches on this ...

Thinking of Retiring ??

If you have been working and saving for most of your life, thoughts of hanging up your career hat may be on the horizon.

Careful planning for this next stage is so very important. There are many issues that need to be reviewed to ensure that you and your family are financially prepared.

Here are 9 key areas we should be chatting about ...

Monthly Features
Seminars, Market Watch, Office News & Tips

Many of you will be taking some much earned time away from your employment this summer and our office will be doing the same throughout July and August.

We will always have someone here to help you with whatever you need, but our response time may be slightly delayed if we are covering for a vacationer or two. ... and, we may close up a little early on a lovely Friday afternoon!

~CHEERS !

FUN FACTS ABOUT MONEY

The Romans made their coins in the temple of Juno Moneta, the goddess of marriage and women. From the name Moneta, derives the words "mint" and "money."

The Romans were also the first to stamp the image of a living person on a coin. After winning in war, Julius Caesar featured his portrait on a coin in 44 B.C.