November 2012– Commentary

"We are all time travelers: We draw on past memories, experience the present and look forward to future rewards. But how easily we travel back and forth makes a crucial difference to how well we do in life and how happy we are while we’re living it.”
From “What’s Your Time Perspective”
By Jane Collingwood

As we were preparing to write this article we looked at what was here on our home page and what we would be replacing. When we posted the last update in August 2011, we wrote a piece that dealt extensively with the credit rating downgrade of the US government, the ongoing political bickering and the economic turmoil that the world was in. We also wrote extensively about the need to keep a long term perspective when listening to the financial media and looking at your investments.

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RDSP - Registered Disability Savings Plans

RESP - Registered Education Savings Plans

RRSP’s & Pensions

TFSA - Tax-Free Savings Account

Additional Tax Deductions


If these topics have started you thinking, and you would like to discuss them further or explore other topics, please call Linda at (204) 954-7526 to book an appointment with either of us.


Jeffrey J. Kraemer

James W. Kraemer,

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