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What you need to know about shopping online

Posted by on Jan 1, 2016 in Money management, Quality of Life, Tangerine | 0 comments

 Tuesday, December 29th, 2015  |  Sheryl Smolkin  |  Spending Articles   There was nothing I liked better than shopping on my lunch hour and after work when my office was across from the Eaton Centre in downtown Toronto. But since I moved to a home office over 10 years ago, driving to a mall to shop has become more and more of a chore. That’s why last year I did virtually all my holiday shopping online, including six dinosaur-themed gifts for my dino-crazy two-year-old granddaughter. I even...

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2016 Financial New Year’s Resolutions

Posted by on Jan 1, 2016 in Consumer savings, Money management, Saskatchewan Pension Plan | 0 comments

December 31, 2015 By Sheryl Smolkin As the old year draws to a close, many people resolve to reduce stress by getting more sleep, working out more often and eating a healthy diet. But for others, the financial pressure of taking from Peter to pay Paul is what keeps them awake at night. If they could only find ways to get their finances under control and be sure that their family is properly protected, their anxiety level would plummet. If you fall into that category, here are some resolutions you can make to...

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Effective communication drives DEVA results

Posted by on Dec 29, 2015 in EBN, Health, Money management | 0 comments

By Sheryl Smolkin December 29, 2015 Greenwich AeroGroup recently completed a dependent eligibility verification audit of its self-funded medical and dental plans which resulted in a return on investment of 853%. The aircraft sales, charter and management company has 835 employees located in nine U.S. cities and Rio de Janeiro, Brazil. “The company is a montage resulting from a bunch of acquisitions and we recently fine- tuned the complete Greenwich AeroGroup benefits platform implemented in 2010 so...

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Dec 28: Best from the Blogosphere

Posted by on Dec 28, 2015 in Consumer savings, Money management, Retirement, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin This is the last Best from the Blogosphere for 2015 and I’m taking a break, so the next one will be published on January 25, 2016. We wish all savewithspp.com readers a healthy, prosperous New Year. As we look back on 2015 and ahead to 2016, there is much to think about. We have a new Federal government, the loonie is at an all-time low and Canadians have extended extraordinary hospitality to Syrians and other refugees from war-torn lands. Here are some interesting stories we are...

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Seniors frequent victims of investment scams

Posted by on Dec 28, 2015 in Legal, Money management, Saskatchewan Pension Plan | 0 comments

December 24, 2015 By Sheryl Smolkin The Financial and Consumer Affairs Authority (FCAA) is warning Saskatchewan seniors to be aware of investment fraud scams. Roughly 30% of investment fraud claims received by the FCAA’s Securities Enforcement Branch come from seniors. And this number could be significantly higher as much of the investment fraud perpetrated against seniors goes unreported because they feel embarrassed, or are afraid they’ll be judged incapable of handling their own finances. “They...

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Dec 21: Best from the Blogosphere

Posted by on Dec 28, 2015 in Consumer savings, Money management, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin Recently Rob Carrick at the Globe and Mail wrote Prepare for the worst and make 2016 the year of the emergency fund. According to Carrick, the emergency fund is how you survive a financial setback without raiding your retirement savings, adding to your line of credit debt or borrowing from relatives. “Think of an emergency fund as insurance against a short-term setback that affects your long-term financial goals,” Carrick says. 20 Reasons Why You Need am Emergency Fund by Trent Hamm on...

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8 ways seniors can travel on a budget

Posted by on Dec 28, 2015 in Consumer savings, Quality of Life, Saskatchewan Pension Plan | 0 comments

December 17, 2105 SNOWBIRDS SERIES By Sheryl Smolkin With the devalued Canadian dollar, the cost of travelling for seniors is 25% to 30% higher than it was at this time last year. So it is more important than ever for snowbirds to find ways to travel on a budget. Whether you are planning to follow the sun or travel somewhere more exotic, here are some ways you can spend less and still have a great adventure. Use your rewards: If you don’t have a rewards card that allows you to cash in points for travel,...

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Dec 14: Best from the Blogosphere

Posted by on Dec 28, 2015 in Health, Quality of Life, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin I’ve been thinking about the cost of health and long term care a lot lately because my 88- year old Mom recently had a bad fall and cracked five ribs. She is recovering at home but she is in a lot of pain, and requires 24/7 care for the foreseeable future. The plan has always been to keep her in her own apartment as long as possible. Fortunately her wonderful, privately-paid caregiver (a registered practical nurse) who normally works 40 hours/week has virtually moved in and is helping us...

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Why SPP is a great stocking stuffer

Posted by on Dec 28, 2015 in Consumer savings, Quality of Life, Retirement | 0 comments

December 10, 2105 By Sheryl Smolkin The problem with giving cash or gift cards for Christmas is that the money gets spent and the person receiving the gift often is left with little of long lasting value. Gadgets like the latest video game or smart phone get broken or become obsolete. Clothes may not fit properly to start with, or quickly go out of style. But if you put the Saskatchewan Pension Plan in your children or grandchildren’s Christmas stocking, you will be giving them a gift that keeps on giving....

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Dec 7: Best from the blogosphere

Posted by on Dec 28, 2015 in Consumer savings, Money management, Retirement, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin My beat is pensions, benefits, personal finance and workplace issues. I enjoy writing for my blog retirementredux.com and posting to my archive website sherylsmolkin.com, but I haven’t put much effort into turning them into a source of income. However, I do write for a living and the exposure certainly helps. However, I was fascinated by Robb Engen’s presentation at Canadian Personal Finance Conference on how he turned his blog into a profitable online business. He says one general rule...

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