Spectrumly Speaking
February 2013
We hope 2013 has started out on a positive note and that you are enjoying all that the winter season has to offer (whether you prefer to be indoors by a roaring fire or out hitting the slopes).

Our first e-newsletter of the year was delayed due to some compliance issues we encountered.  Unfortunately, we are no longer able to share information  with you from resources such as Newspapers and most online sites as we have done previously.   Re-distribution is forbidden without written consent and a fee in many cases from these publishers.   However, we still wish to pass along information to you that we feel may be interesting or helpful.  Going forward we will have to turn to publications from approved sources such as our investment & insurance industry partners.

As we are independent advisors, we have access to the majority of company offerings and will always fine-tune our recommendations to your specific situation.   Some of the resources we may use for our e-newsletter however may seem to favor a few companies.     We in no way have allegiance to any company, some however do a better job in offering resources and publications that we can access.

We want to wish you and your family good health, true happiness and exciting adventures for the coming year ahead.

All the best,
Karen, Richard, Janet, Ingrid and Sheila

Looking to save money this tax season?


Here are some tax relief measures that the Harper Government has made available to Canadians through Canada's Economic Action Plan.  As you prepare to file your 2012 taxes, be sure to review the following and take advantage of any savings that may be applicable to you.  
Are you paying for Critical Illness insurance through your mortgage lender?

Here is a great article 
from Manulife Financial that compares a personally owned Critical Illness policy to one purchased alongside your mortgage.

Call us if you wish to do an 'apples to apples' comparison on your mortgage life or critical illness insurance.


*  The 2012 deadline for making a contribution to your RRSP is March 1st.


 *  The contribution limit for a Tax Free Savings Account (TFSA) deposit has been increased to $5,500 for 2013. 


How to get unstuck in a stagnant economy

Learn more from our friends at TE Wealth on what we need to
 be addressing in today's
"meh" economy.
A Great Lesson on Stress


A young lady confidently walked around the room while explaining stress management to an audience with a raised glass of water. Everyone knew she was going to ask the ultimate question, 'half empty or half full?'...     


Read on to find a new twist to the
glass of water analogy ...  



James Bond's cars come equipped with ejector seats and machine funds.  Real life automakers have been similarly creative with accessories, though not all of them have stood the test of time.    


Read on for some interesting, failed  variations automakers have tried ...   


Spectrum Team
Following Your
Spectrum Team ...

Please join us in welcoming
Rosa Barraco to our Spectrum office.  Rosa is an independent insurance advisor who has been working in the financial services industry for more than 16 years.  Rosa spends her spare time with her 3 wonderful children and her many community involvements.


" Don't give up what you want most,
for what you want now "