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2003-2004
Golden Web Award
In recognition of
creativity, integrity and excellence on the Web.
Canadian Web Award
Very Canadian Friendly
Excellent Content
Highly Organized |
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Mutual
Fund Watch
 Find
the answers you're looking for in our newest section, designed
specifically for providing mutual fund information. |
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As an authorized
distributor for ING Bank of Canada, Fiscal Agents can now offer
clients the selection of high interest rate savings accounts
they provide.
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View
ING Section |
Savings Account
Rates |
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 Each
year the BIG question seems to be:
Is there enough money to live when retirement comes around?
Introducing our newest special section - the 2004
Jumbo RRSP Centre, which draws all of our RRSP resources together
for you, including our RRSP calculators, current GIC rates and investment
fund data. We have updated and added new articles to provide an expanded
selection on retirement income and planning at our on-line library.
Our spectrum of articles will provide background to RRSP savings from
different perspectives - from stepping over the marginal tax rate
barrier, through to converting the RRSP into retirement income. |
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The
Money Management Newsletter
Who's
going to take care of me? |
| Not that long ago the cornerstone
of a traditional family's financial and estate planning was
to have several offspring. You take care of the kids when they
are young and they will take care of you when you are old. This
might have worked for our grandparent's generation and still
works in some families, but there is a new reality. Families
are smaller, people are more mobile and your children could
be living half way around the world from you. With this new
reality, how can seniors maintain their standard of living,
independence and pride? |
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Looking for the best GIC
Deposit Rates? Check out:
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Looking for something
in particular?
Find it using our QuickNav
site navigation system. |
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| RRSP season is nearly here,
so once again we present the What
should you be saving for retirement? calculator, an
automatic version of the same worksheet crafted by financial
writer Bruce Cohen in the book The
Pension Puzzle. In a few short steps you can get an
idea of the benefits or shortcomings of your present financial
planning course. |
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Here are some of the features
and benefits you should be considering: Flexibility of Payment
Options, Probate to Protection, 20% free Withdrawal, and more...
A total of 11 alluring reasons to convert. |
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| Getting ready to leave the bitter
cold of Canadian winters for the balmy beaches of the sunny south?
By getting your financial affairs in order before you depart, you
won't need to worry about a GIC renewal when you could be enjoying
an ocean breeze. |
| Maintaining a minimum monthly balance
can often waive the monthly fee associated with your services package.
However, any cost savings should be compared to the returns or other
opportunities you forego by keeping your money in your bank account
(this concept is known as "opportunity cost"). For example,
if you have a loan, it may be more cost effective to pay it down than
to keep the funds in your bank account to save the monthly service
fees. |
| For a limited time, you can get
a special Real CashBack Investment Bonus
on all GIC investments over 3 years - Click
here or call for details. (905) 844-7700 |
| A new addition now available in our
selection of consumer reports and surveys is our Monthly Service Packages
comparison, a detailed catalogue of what is being offered by select
financial institutions to tailor your banking options according specifically
to your needs. |
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Could
you explain how an RRSP can be "carried forward", as stated
in the article Women and RRSPs
- Just Do It? |
 The
term " RRSP carry forward" in the article refers to the
unused RRSP contribution room that a tax filer has accumulated based
on their filed tax returns since 1991. Each year that a tax filer
does not contribute the maximum eligible amount to their RRSP, the
unused portion is "carried forward" for use in future years.
In some cases the amount of carry forward can be tens of thousands
of dollars. |
| A recent
study by MetLife of widows and widowers reveals the long-term financial
toll of the premature death of a spouse and highlights the need for
greater consumer awareness about the necessity of adequately assessing
personal life insurance needs. Among the major findings of the survey,
participants indicated an average recovery period of four to five
years before their financial circumstances returned to what they were
at the time of their spouses' deaths. |
| Perhaps
something you found interesting has disappeared from the front page,
and you can't seem to figure out where it went? Here you'll find previous
revisions of the FiscalAgents.com home page, as well as links to any
site content unique to each particular version. |
| Staying
on top of all matters financial is integral to the operation of our
business. Staying current on market issues is as important as being
informed, as the face of the economy can shift dramatically without
warning. However, one of the best sources of such information can
be found as close as your doorstep.
This section provides external links to some of Canada best-known
personal finance columnists, on their respective newspaper's website.
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The 10 Principles
of Being Rich
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