Linda Robinson, Financial Security Advisor

Linda Robinson, Financial Security Advisor

Financial Service Advisor offering Life, Health, Group Insurance & Investments.
Mutual Fund Representative

Did you know you don't have to choose between TFSA and RRSP? There are many strategies that can make these two accounts work together to achieve your financial goals. Usually RRSP is a good choice for long-term goals and TFSA works better for short term objectives. Contact me for advice!

bnnbloomberg.ca

Pattie Lovett-Reid: The unexpected costs of homeownership - BNN Bloomberg

Buying a home is a big decision and requires a lot of planning, but there are other less obvious costs that also play into account. Here is a great video/article that talks about the unexpected costs of homeownership http://fw.to/qZOOtGi

bnnbloomberg.ca CTV's Chief Financial Commentator Pattie Lovett-Reid looks at ways to make moving house a lot less stressful.

thebalancesmb.com

Here Are Some Great Business Ideas for Women with No Start-Up Costs

Some women are intimidated by the idea of starting their own business, especially overwhelming are the thoughts of costs involved. Here are some No Start-Up Costs Business Ideas for Women: https://www.thebalancesmb.com/no-startup-cost-businesses-3514845

thebalancesmb.com Here are some great business ideas for female entrepreneurs with no start-up cost. Don't let a lack of cash keep you from being successful.

Did you know in Canada, credit scores range from 300 up to 900 points, which is the best score. It seems that 650 is the magic middle number - a score above 650 will likely qualify you for a standard loan while a score under 650 will likely bring difficulty in receiving new credit. Need help on building a better score? Contact me for advice!

forbes.com

10 Ways To Build An Emergency Fund

Having an emergency fund is very important as we all face unexpected financial challenges at some point in our lives. Great article about how to get you started. 10 Ways To Build An Emergency Fund via @forbes https://www.forbes.com/sites/nextavenue/2017/08/29/10-ways-to-build-an-emergency-fund/#106816652a2f

forbes.com Here are 10 ways to start and add to an emergency fund so you will have savings on hand if you suddenly need money in a hurry.

theglobeandmail.com

How big should your retirement portfolio be at different ages?

Everyone's situation is different and it is hard to generally say what you should save at different stages of life. However, this is a good guide. How big should your retirement portfolio be at different ages?: https://www.theglobeandmail.com/investing/globe-advisor/article-how-big-should-your-retirement-portfolio-be-at-different-ages/

theglobeandmail.com Everyone’s situation is different, but these amounts can help preretirees set goals

moneytalkgo.com

How to Save for Your Wedding Day — and When You Can Splurge

How to Save for Your Wedding Day — and When You Can Splurge https://www.moneytalkgo.com/save-wedding/#.W6bOzUEsrGc.twitter

moneytalkgo.com When it comes to planning a wedding, brides and grooms are bombarded with images of what makes a perfect day. We asked those who have already tied the knot about what their money was best spent on, and what they could have done without.

moneysense.ca

Learning the budget basics - MoneySense

An educational case study on how learning budget basics can help you avoid debt and improve your saving habits. Contact me for advice! https://www.moneysense.ca/magazine-archive/learning-budget-basics/

moneysense.ca Paying off debt and learning to save for the future is hard. Lindsay Tithcotte, a 30-year-old from Kamloops, B.C. knows. Did she fix her ways in 2016?

quickbooks.intuit.com

The Top 5 Ways To Grow Your Small Business | QuickBooks

Great advice on how to grow your business using modern day reality - https://quickbooks.intuit.com/r/growing-your-business/the-top-5-waystogrow-your-small-business/

quickbooks.intuit.com We talked to several business owners and shared their ideas on the top 5 ways to grow your small business. Check out what they said in our infographic.

Many people find it difficult to save even with a financial plan. It requires discipline and focus but day to day life tends to get in a way of good intentions. Solution might be a defined automatic investments and savings plans, where contributions come directly off our pay cheque or savings account. This allows us to make a plan once, and set up a mechanism that will automatically fulfill your goals without much effort. Contact me for advice!

theglobeandmail.com

Four reasons why business owners should consider life insurance

Four reasons why business owners should consider life insurance: https://www.theglobeandmail.com/investing/personal-finance/taxes/article-four-reasons-why-business-owners-should-consider-life-insurance/

theglobeandmail.com Life insurance can sometimes provide needed cash to solve some pretty big problems

Did you know through marriage breakdown RESP is an asset that is not protected from creditors? Therefore, if your ex spouse files for bankruptcy at some point in the future, creditors may demand all or part of the value of the plan. Contact me for advice!

financialplanningforcanadians.ca

Mindful Financial Planning: 6 Tips for Women

Some useful tips for women about financial planning. https://www.financialplanningforcanadians.ca/financial-planning/mindful-financial-planning-6-tips-for-women

financialplanningforcanadians.ca Have you overlooked parts of your life which may be influencing your finances? Keep these areas in mind to build and maintain your financial well-being.

Did you now according to Canada Student Loans, students typically take between 9 and 15 years to pay off their student loans in full? But some don’t get there; they declare insolvency first. Let me help you come up with an effective plan on how to manage your payments and still enjoy your lifestyle!

Did you know: you can open an RESP for any child - your own, niece, grandchild, or even family friend? RESP contributions can be invested and if certain conditions are met, they are eligible for a government grant so that, if you contribute regularly, it can be a great way to save for post-secondary education over the long term. Contact me for advice!

Student discounts 2018: The ultimate guide to discounts across Canada

Student discounts 2018: The ultimate guide to discounts across Canada https://globalnews.ca/news/4414567/student-discounts-2018/

Save some money and cut expenditures by taking advantage of student discounts.

theglobeandmail.com

Exiting a defined-benefit pension plan: Can you and should you?

With more companies moving away from Defined Benefit plans, it is important to make sure you weigh all the factors when deciding whether to exit the plan or stay: https://www.theglobeandmail.com/globe-investor/retirement/retire-planning/exiting-a-defined-benefit-pension-plan-can-you-and-should-you/article33909740/

theglobeandmail.com Get professional advice before deciding whether to self-manage a lump sum or take a guaranteed stream of payments

getsmarteraboutmoney.ca

www.getsmarteraboutmoney.ca

A great infographic outlining why diversification is important. If you would like to review your portfolio - Contact me!: https://www.getsmarteraboutmoney.ca/wp-content/uploads/2018/02/infographic-Risk-and-diversification.pdf

getsmarteraboutmoney.ca

bnnbloomberg.ca

Pattie Lovett-Reid: Managing post-secondary education costs

Managing post-secondary education costs: https://www.bnnbloomberg.ca/video/pattie-lovett-reid-managing-post-secondary-education-costs~1464773

bnnbloomberg.ca As students get ready to head back to school, CTV’s Chief Financial Commentator Pattie Lovett-Reid offers tips to post-secondary students on how to cut back on costs to reduce the overall debt load upon graduation.

theglobeandmail.com

Ten tips for lending money to your family

Lending your family members money is can have lots of implications. Here are some good tips on how to handle that situation. If you need further advice, I would be happy to help: https://www.theglobeandmail.com/investing/personal-finance/taxes/article-ten-tips-for-lending-money-to-your-family/

theglobeandmail.com From knowing when to say ‘no’ to having a written record of a loan, there are important aspects to consider when handing over money to a loved one

wtop.com

Financial sanity for the ‘sandwich generation’ | WTOP

According to research about "one in seven middle-aged adults is providing financial support to both an aging parent and a child." Here is some advice on how to be more prepared: https://wtop.com/consumer-news/2018/08/financial-sanity-for-the-sandwich-generation/

wtop.com About one in seven middle-aged adults is providing financial support to both an aging parent and a child. Two financial advisers have tips for this stage in life.

moneysense.ca

How long can term life insurance "terms" be?

How long can term life insurance “terms” be for?: https://www.moneysense.ca/spend/insurance/life-insurance/term-life-insurance-length/

moneysense.ca Helmut wonders how long life insurance terms usually are—and if you need to get a medical exam to buy some when you need it.

turbotax.intuit.ca

5 Tax Tips for Newlyweds | 2018 TurboTax® Canada Tips

Getting married is an exciting milestone but it's also an important financial one as well. Here are few tips to establish proper financial fundamentals: https://turbotax.intuit.ca/tips/5-tax-tips-for-newlyweds-443

turbotax.intuit.ca Marriage is one of life's major milestones, and it opens up new tax planning territory for Canadian couples. Take time to learn about the tax deductions and rules for couples. You can develop a personalized strategy to reduce tax payable and build your wealth together. “Most likely a lot of time, ...

business.financialpost.com

Why you need a plan when withdrawing from an RESP to pay for school

Why you need a plan when withdrawing from an RESP to pay for school: https://business.financialpost.com/personal-finance/young-money/financial-advisers-say-withdrawing-from-an-resp-to-pay-for-school-needs-a-plan?video_autoplay=true

business.financialpost.com There is some time and effort involved in taking money out of an RESP, financial advisers say

Did you know that when you save within an RESP, the government will match a percentage of your own contributions by depositing the Canada Education Savings Grant directly into the RESP? You also have the possibility tax sheltered compounding growth. Contact me for advice!

advisor.ca

Why couples need a financial plan for a trial separation

Great article discussing what you might need to consider financially if you going through a trial separation: http://www.advisor.ca/tax/estate-planning/why-couples-need-a-financial-plan-for-a-trial-separation-262214

advisor.ca Tips for managing expenses, mortgages and shared accounts

theglobeandmail.com

How to determine when you’ll pay more for a mortgage

As housing market keeps being a hot topic, it is important to understand what mortgage you might need. Here is a great article discussing what you need to know about rates: https://www.theglobeandmail.com/investing/personal-finance/household-finances/article-how-to-determine-when-youll-pay-more-for-a-mortgage/

theglobeandmail.com Mortgages have always been priced based on the risk you present to the lender. But after 10 years of government rule tightening, that’s more true today than ever

mint.com

How to Create a Family Budget, Step By Step

Family budget requires commitment and discipline. Here is a step by step guide: https://www.mint.com/budgeting-3/how-to-create-a-budget-step-by-step

mint.com With all the demands of running a family, it's hard to find time to make a household budget -- especially if the amount of money left at the end of the month is less than you want. It's important to look household finances squarely in the eye, because that's the only way to control them; otherwise,....

theglobeandmail.com

How life insurance can help pay for a child’s education

How life insurance can help pay for a child’s education: https://www.theglobeandmail.com/investing/personal-finance/taxes/article-how-life-insurance-can-help-pay-for-a-childs-education/

theglobeandmail.com This approach can help to cover the cost of a postsecondary education, but features a ton of flexibility so that the savings could be used for other purposes as well

moneysense.ca

My husband owes $16,000 in credit card debt. Should we roll it into a co-signed mortgage?

It is important to consider if merging family debt is worth the risk. Great article highlighting an example: Sharing your spouse’s debt might be unwise: https://www.moneysense.ca/save/debt/merging-family-debt-mortgage-risk/

moneysense.ca If you agree to consolidate your husband's debts into a joint mortgage you are now liable personally for those debts.

quickbooks.intuit.com

The 10 Hardest Things About Running a Business

If you are considering starting your own business,, this is a great read to know what challenges you might face: The 10 Hardest Things About Running a Business: https://quickbooks.intuit.com/r/trends/the-10-hardest-things-about-running-a-business/

quickbooks.intuit.com Ask any small business owner what the hardest aspects of running a company are, and you’ll likely get a wide range of answers. Some people aren’t good at money matters, for example, while others don’t know how to delegate. But just about every business owner has, at one time or another, experi...

business.financialpost.com

How entrepreneurs should plan to leave their business behind

Great advice on how to plan your business succession! https://business.financialpost.com/entrepreneur/how-entrepreneurs-should-plan-to-leave-their-business-behind

business.financialpost.com It’s never too early. Yes, you can launch your startup with the end in mind

business.financialpost.com

How to decide if it’s better to pay down debt or build up your savings

How to decide if it's better to pay down debt or build up your savings: https://business.financialpost.com/personal-finance/debt/pay-down-debt-or-save-money-how-to-allocate-your-cash?video_autoplay=true

business.financialpost.com Paying back debt might seem like the obvious answer, but it uses up cash that could be set aside for emergencies, retirement or other expenses

ctvnews.ca

Advice for retirees who must answer the question: Buy, sell or rent?

Advice for retirees who must answer the question: Buy, sell or rent? https://www.ctvnews.ca/5things/advice-for-retirees-who-must-answer-the-question-buy-sell-or-rent-1.3473101

ctvnews.ca On CTVNews.ca: CTV's chief financial commentator Pattie Lovett-Reid has advice for retirees who must answer the question: Buy, sell or rent?

moneysense.ca

3 ways to minimize the financial impact of divorce - MoneySense

3 ways to minimize the financial impact of divorce: https://www.moneysense.ca/save/financial-planning/3-ways-to-minimize-the-financial-impact-of-divorce/

moneysense.ca Bruce Sellery shares all the things you can do to mitigate the cost of divorce.

theglobeandmail.com

Baby steps to financial preparation

Having a child is a life changing experience that will rewarding and challenging. It is so important to be financially prepared for this big step. Here are some great tips: https://www.theglobeandmail.com/globe-investor/personal-finance/baby-steps-to-financial-preparation/article1390291/

theglobeandmail.com How to avoid the common mistakes new parents make

moneysense.ca

5 best financial moves a 40ish woman can make

'5 best financial moves a 40ish woman can make: https://www.moneysense.ca/save/financial-planning/5-financial-moves-for-women-in-their-40s/

moneysense.ca About 36% of Canadian women say they wish they could have more money. Here are the most important financial moves to make during their 40s.

theglobeandmail.com

How to avoid RESP penalties if your child quits university

'This is a very common scenario - you have an RESP and your child decides to quit university. Here are suggestions on how to avoid penalties: 'https://www.theglobeandmail.com/globe-investor/personal-finance/household-finances/how-to-avoid-resp-penalties-if-your-child-quits-university/article35935656/

theglobeandmail.com You can transfer the RESP-generated income to a child’s sibling or move the money into an RRSP

Did you know you can withdraw money from RRSP at any time, BUT once it is withdrawn, your contribution room will not be regained? This amount will also be part of your taxable income for the year and taxed at your marginal tax rate. Contact me for advice!

business.financialpost.com

When business partners divorce: Best advice for couples

Divorce is always hard but what if you co-own your business? Great article with some advice on the topic: 'https://business.financialpost.com/entrepreneur/exes-make-for-challenging-business-exits

business.financialpost.com When things fall apart, the resolution inevitably follows one of only three possible scenarios, and rarely does the process go smoothly

theglobeandmail.com

Just got your first job? Keep living like a student and pay down debt

'Just got your first job? Keep living like a student and pay down debt: 'https://www.theglobeandmail.com/canada/article-grads-with-a-first-job-need-to-establish-good-financial-habits-early/

theglobeandmail.com Establishing good financial habits early will help set you up for success down the road

bnnbloomberg.ca

Pattie Lovett-Reid: Preparing your wallet for change amid economic uncertainty - Article - BNN

Great article with tips on how to deal with economic uncertainty: https://www.bnnbloomberg.ca/pattie-lovett-reid-preparing-your-wallet-for-change-amid-economic-uncertainty-1.1103986

bnnbloomberg.ca CTV's Chief Financial Commentator Pattie Lovett-Reid discusses how to prepare your wallet for change in uncertain times.

moneysense.ca

10 ways women can grow their wealth - MoneySense

10 ways women can grow their wealth: https://www.moneysense.ca/save/10-ways-women-can-grow-their-wealth/

moneysense.ca Gender pricing and wage bias exist for women. Here's how a simple FU emergency fund can give you the leverage you need to grow your wealth

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