December Tidbits

Spectrumly Speaking

December 2018

We hope this e-newsletter finds you and your family all well and enjoying the end of the fall season ~ the beginning of the holiday season.

As we go about indulging and spending a little more during the month of December, you may start to think about New Year resolutions and how you may change some of this behavior come January 1st. Health-style, Family, Finances, and Career tend to be the top areas individuals wish to focus on making improvements to.

If you may have some ideas in mind to work on, here are 5 tips to make your resolutions last and ultimately meet your goal with success:

1) Know Thyself - tie your goal to your strengths and areas of competence and stay within reasonable and achievable boundaries.

2) Own your Goal - Connect your goal to a deeper, ultimate desire. Not just "I want to..." but why and what positive effects will it have on you and others.

3) Break it Down - Achieving smaller goals creates a self-propelling momentum.

4) Visualize the Obstacles - Have a plan for potential challenges you may face so you have a work-around when you stumble upon them.

5) Focus on the Feeling - Rewarding yourself after achieving success of a smaller goal is important to stay motivated. Revel in the feeling of the little accomplishments.

Good luck !!

Wishing you a Fantastic December. We look forward

to working with you in 2019!

Karen, Richard, Janet and Sheila

Happy Hanukkah to those celebrating !

May this season of beauty and light

fill your heart and home

with happiness.

Merry Christmas to those celebrating !

May the Christmas season fill your home with joy, your heart with love, and your life with laughter.

TFSA Contribution Limit for 2019

has increased to $6,000. (from $5,500)

If we routinely make the maximum contribution for you every January, please send us a quick note to confirm you wish us to proceed at the $6,000. level.

Chart of Annual and Cumulative Totals

The Right Time to Sell

You purchased your dream home for $400,000.

In today's housing market it is now worth $300,000.

Would you sell because markets are down? NO!

Your investments are no different.

When the markets are down, should you sell? NO!

You are invested for the long term, just like your home.

The Right Time to Buy

You have saved for many years and have your eye on your dream home expecting to pay $400,000. The markets have dropped and the purchase price for this home is now $300,000. Would you change your mind because the price dropped? NO!

It's the perfect time to buy this home!

It is no different with your investments. It is a great time to invest!

Heading South this Winter Season?

Do you know what to look for when buying

travel insurance?

Here is an article that may help ...

Click here for a Free Travel Insurance Quote

(just scroll down to 'Get free Quote')

Pay your Family First this

Holiday Season !!

If you are planning on making an additional contribution to your RRSP, RESP, RDSP or TFSA before the end of the year, please notify us immediately. We want to be sure we get this organized for you before the hectic holidays begin.

Monthly Features
Seminars, Market Watch, Office News & Tips

SPECTRUM UPDATES

As we previously announced, Ingrid Myra is no longer with our team. If you used to previously correspond with Ingrid directly, please reach out to Janet and she will be happy to assist you. [email protected]

SPECIAL NEEDS PLANNING SEMINAR

Date to be announced early in the New Year.

Stay tuned for details ...

Our Holiday Schedule

It is important to take some time with family & friends and to rejuvenate before the New Year begins. With this in mind, the following is our holiday schedule:

Monday December 24 - Closed

Tuesday December 25 - Closed

Wednesday December 26 - Closed

Thursday December 27 - Open with skeletal staffing

Friday December 28 - Open with skeletal staffing

Monday December 31 - Closed

Tuesday January 1 - Closed Thank you !!

Wednesday January 2 - Back in full swing!