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8 reasons for taking your vacation in Canada

Posted by on Jun 18, 2016 in Money management, Quality of Life, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin June 16, 2016 An article I read in the Globe & Mail this week noted that the Canadian tourism industry is grappling with a demographic problem that could threaten its future. Apparently millennials are spending far more of their travel dollars outside the country than at home. One reason cited is that it is so expensive to fly within Canada, it makes sense to go further afield. I can understand that most of us would love to be able to jet off somewhere warm to get away from our frigid...

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Jun 13: Best from the Blogosphere

Posted by on Jun 18, 2016 in Retirement, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin June 13, 2016 Next week Federal Finance Minister Bill Morneau will again be meeting with provincial and territorial finance ministers to talk about options for improving Canada Pension Plan benefits. This protracted discussion has been going on for as long as I can remember, but the hurdles remain the same. CPP changes require the support of Ottawa plus seven of the 10 provinces representing two-thirds of the population. When the finance ministers last met in December 2015, Ontario which is...

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10 questions to ask before your wedding

Posted by on Jun 18, 2016 in Money management, Quality of Life, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin According to weddingbells 65% of weddings in Canada take place between June and September with 25% of weddings taking place in the month of August. I don’t know the month when the most divorces are granted, but according to 2008 data from Statistics Canada (the last year for which it was reported), the divorce rate has been relatively stable for the last 20 years, fluctuating between 35% and 42%. Now don’t get me wrong. I’m a big fan of marriage. In November of this year we will...

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June 6: Best from the Blogosphere

Posted by on Jun 18, 2016 in Health, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin June 6, 2016 This weekend I happened to be in Ottawa when Run Ottawa was taking place. Over 47,000 runners did 2 km, 5 km, 10 km, half marathon and marathon runs in unseasonably hot weather – over 35°C!  We cheered on my daughter who ran 5 kms and it was also wonderful to see so many parents and very young children running hand in hand. Because Canadian summers are so short, we all want to take advantage of them to do as many outdoor sports and activities as possible. So in this...

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Lorna Hegarty: Educating teens about money

Posted by on Jun 18, 2016 in Interviews, Money management, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin June 2, 2016 Click here to listen Today I’m interviewing Lorna Hegarty for savewithspp.com. Lorna has been the President of LCH Resources Ltd. for almost a decade. She has an international consulting practice in human resources, executive coaching and training as well as being a published author. She co-authored The Wealthy Teen with her daughter Carly when she was 15 (she is now 24), and the third edition was recently released. Q: Writing a book is a serious undertaking. What...

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May 31: Best from the blogosphere

Posted by on Jun 18, 2016 in Consumer savings, Quality of Life, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin May 31, 2016 This morning when I took the dog for a walk I saw tulips, begonias, apple blossoms, pansies and rhododendrons and that was just in my own yard. My husband has a green thumb and knows how happy I am surrounded by flowers. He also grows vegetables, so he and his good friend Russ pour over seed catalogues looking for heritage tomatoes and other delectable treats beginning in September. By March they can’t resist at least a couple of visits to the garden centre. The official...

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Home renos that increase value

Posted by on Jun 18, 2016 in Consumer savings, Home ownership/renting, Quality of Life, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin May 26, 2016 Whether you have recently purchased a resale home or you have lived in your house for many years, when you view your winter-weary residence in the bright spring sunlight you may be hit by the urge to renovate. The problem is of course that your resources are limited and you want to make sure that any enhancements you make add value to your home, particularly if you plan to sell your property over the next several years. The Appraisal Institute of Canada offers the following...

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How seniors can unlock home equity

Posted by on Jun 18, 2016 in Home ownership/renting, Quality of Life, Retirement, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin May 19, 2016   Results of Manulife Bank of Canada’s Debt Survey revealed that nearly one in five homeowners expect to access home equity to supplement their retirement income with 10% of respondents planning to downsize and use the excess equity to provide retirement income. That got me thinking about what options are available to retirees who want to unlock the value of their home to live on when they stop working. Sell high, buy low Of course, the most obvious alternative is to...

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May 16: Best from the blogosphere

Posted by on Jun 18, 2016 in Insurance, Saskatchewan Pension Plan | 0 comments

By Sheryl Smolkin For the last week, the images I cannot get out of my mind are the pictures and videos of Fort McMurray burning. Every week on savewithspp.com we post blogs that discuss retirement savings and how readers can fund their life after work. But the major asset most of us are depending on to augment government benefits is the equity in our family homes. Imagine having that wiped out in minutes as you flee to safety. The only good news has been the incredible bravery and grace of everyone involved...

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Audit and tax firm ditches annual performance reviews, ratings

Posted by on Jun 17, 2016 in Employee Benefit News, HR Issues, Millenials | 0 comments

By Sheryl Smolkin June 15 2016, 11:41pm EDT — Global accounting firm Crowe Horwath has recently eliminated traditional annual performance reviews and substituted a less structured “Measure What Matters” program that requires all supervisors to have more frequent informal meetings with their direct reports. The company has its headquarters in Chicago. It employs more than 3,500 people, including audit and tax professionals, administrative and HR support staff and financial consultants, in 30 U.S....

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