Valentino De Miglio - Primerica Financial Services

Valentino De Miglio - Primerica Financial Services

I started my journey as part of a crusade to help individuals and families earn more income, become properly protected, debt-free, and financially independent.

Financial literacy, it affects everyone. Every person, whether low income, middle income or high income, exchanges money for products or services. I'm here to help you identify if you're paying too much in the financial and insurance sectors, or if you're on the right track to your goals and dreams.

Mortgage math: Rates aren't everything, don't forget to consider term You shopped around for the best deal on your mortgage and weighed the pros and cons of going with a fixed-rate or a variable-rate loan, but another key factor to consider is the term.

Valentino De Miglio - Primerica Financial Services

Life insurance...a topic heard by many, but not truly understood by many. The thing is, odds are, your health will decline as you age either because of poor decisions or those that are out of your control. None of us know when or if our health will decline, and for sure, none of us know when we're going to die. The only thing we do know, is that we get older.

Message me so we can have this conversation, one-on-one, because not only is there a misunderstanding of what life insurance is and does, but also that there's more than 1 type out there.

Ask yourself this, do you know what you have? Do you know why you have it? Do you know what you pay and what is included? If any of these answers is a no, then let's sit down together. No obligation, no consultation fee or costs of any kind. Just some good old-fashioned conversation.

Primerica Announces Countrywide Event in Canada

This is so exciting because we went from having our largest convention every second year, to now having a Canadian and American convention in offsetting years. Our growth has no glass ceiling, so if you're looking for a new career challenge or want to offset your full-time income with a part-time/some-time/any-time career opportunity, please message me. We are always expanding, and the proof is in the pudding. Primerica Announces Countrywide Event in Canada

Group RRSPs | Pension & savings plans |

Let's touch upon a great option for both you and your employees.

As we all know, there are not as many companies offering pensions or payroll-deducted plans anymore. The problem today is, are people saving enough for their retirement on their own?

Likewise, as a business owner, you're always looking for ways to reduce your taxes.

Let's have this conversation, one-on-one with no obligation, so that you can finally put to rest whether this is an option you could incorporate to reduce your taxes and keep your employees happy, or not. A Group RRSP is identical in structure to an individual RRSP – only it is set up by your employer. A Group RRSP is designed to encourage you to save at work by contributing through payroll deductions.

Insurance for your small business — Canada Business Network

Attention small business owners. In the event of unforseen circumstances, are you prepared? I mean truly prepared?

I don't know about yours, but my crystal ball seems to be in the shop a lot these days. Personal injury, illness or any setback not allowing you to run your business the way it is intended to run can happen anytime and without cause or reason. Talk to me to discuss the options I can help you with to protect your livelihood A.K.A. your business. The right type of business insurance can provide peace of mind in both your personal and business life.

[06/26/18]   Are you a small business owner or self-employed? Talk to me about protecting your business in the unexpected times, and also, let's talk about a great way to retain your valuable employees.

Banks sell mortgage insurance, but independent experts say you shouldn’t buy it Consider life insurance instead

Why this Airdrie family regrets buying into a group RESP | CBC News

The title of this article is misleading, and I'll explain why. The family that it centers around bought into a 'pooled RESP' otherwise known as a scholarship trust fund...not to be mistaken for an individual RESP (which can also be made as a group RESP) in which you have a lot more flexibility. When reading the article it clarifies that, but at first, you may be thinking your group RESP is what they have, and it's not.

If you're confused with what you have, or if you're looking to set something up, please message me. I'll make sure you don't set up the wrong type for your children. Group RESPs are longterm investments that should only be purchased after reading the fine print in detail, says a Calgary financial advisor, after an Airdrie family spoke out about why they regret their decision.

Documentary on Primerica : The Greatest Company On The Planet

If you've ever wanted to see a true North American success story from beginning to present, I invite you to watch this short documentary. It is for the reasons stated that I would never consider working anywhere else. So proud to be a part of this company, and the movement it represents.

This is the true story of one of the greatest companies ever created.

[05/05/18]   "It doesn't cost anything to think big, but it can cost you everything to think small" - Bo Adams

Group Life insurance doesn't pay

For all those who think that your group life insurance from work is all you need, please watch this

Plano, TX school teacher dies from cancer and family doesnt get insurance money after being promised every thing was fine. Dont get your life insurance at work!

Entrepreneurs Pave the Way for the Future of Canada's Economy To honour Canada’s 150th birthday, Shopify is celebrating all the creators, innovators and game-changing entrepreneurs who have helped build this coun

Primerica Featured on Fox Business On Saturday, March 31, 2018, the Fox Business Network aired this feature about Primerica on its Talk Business 360 program. This incredible segment showcases Primerica’s unique story on a national p…

[04/19/18]   Life insurance...a topic heard by many, but not truly understood by many. The thing is, odds are, your health will decline as you age either because of poor decisions or those that are out of your control. None of us know when or if our health will decline, and for sure, none of us know when we're going to die. The only thing we do know, is that we get older.

Message me so we can have this conversation, one-on-one, because not only is there a misunderstanding of what life insurance is and does, but also that there's more than 1 type out there.

Ask yourself this, do you know what you have? Do you know why you have it? Do you know what you pay and what is included? If any of these answers is a no, then let's sit down together. No obligation, no consultation fee or costs of any kind. Just some good old-fashioned conversation.

Ex-LiUNA construction workers shocked to lose half at pension cash-out | The Star

This is very concerning. How does it make you feel about what a pension company has intentions to do if you decide to leave them? Members of Laborers' International Union of North America thought they were building a future, but pulling out of pension plan early means losing half.

Canada pension plan [CPP]

Still think you'll be taken care of by the government?

What are your thoughts on this?

You need to know where is your Canada pension plan going, which you contributed over 40 years ago????????????? by Randy Laughlin

Bitcoin Buyers Have to Take a Wild Guess on Their Taxes

Like I've always said, if you don't understand the investment, you shouldn't be investing in it. I get the draw of it all, the exponential gains people were experiencing and all, but many will now find it a nightmare for tax filing purposes if they weren't tracking things closely during their investment periods. The only guidance from the IRS on digital tokens came in 2014, before the industry hit breakneck growth.

A.M. Best Affirms Credit Ratings of Primerica, Inc. and Its Subsidiaries A.M. Best has affirmed the Financial Strength Rating of A+ (Superior) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of “aa-” of Primerica Li

They bought their prebuilt homes at the market’s peak. Now they face financial ruin | Toronto Star

Nobody believed it would happen, but housing prices fell suddenly. Read what it did for these families. Real estate may not always be the sure bet you thought it was. If it were, these families wouldn't have bet their homes were going to fetch what they thought, only to be valued lower in the midst of a binding contract. A group of buyers in an Oakville subdivision say they have been trapped in a unique period in the Toronto-area housing market that has left them in an “impossible” situation.

Should You Buy Primerica (PRI) Ahead of Earnings?

...and the stock keeps going up. $15 IPO in 2010. Over $94 currently. Not hard to understand for a company that's constantly doing the right thing for their clients. Market analysts know the numbers, they see the numbers, they know client satisfactory levels, and even with their high expectations for the stock, PRI still beats those expectations. Primerica (PRI) is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat.

5 Money Saving Mistakes People Make

Money-saving mistakes to avoid A few simple rules can help you stash a lot more cash.

Group RESPs Are The Worst Way to Save for Your Child's Education • Money After Graduation

Do you know that there is more than one kind of RESP?

Let's get together to see if you're in the right kind, and if you'll meet the objectives you've set out for your child(ren) Now that I’m on the verge of being called “mama”, virtually all my attention and focus is devoted to the arrival of my little babe — and that includes her current and impending financial impact. After the costs of pregnancy, my maternity leave, and more baby gear than I knew existed let alon...

Millennials say anxiety about money is literally making them sick

This doesn't have to be the case. What they need, or rather who they need, is for someone to help them along the way with proven guidelines to get them to their savings and retirement goals. Message or call me today, let me show you a plan that's easy to follow. The best time to start saving was in the past, but the next best time is to start now. Don't delay any further Money anxiety affects their work and personal lives.

[03/17/18]   Yesterday, a friend entered into a conversation I was having with someone else. She stated she would never invest into anything other than a GIC or an RRSP. Now, to me this was interesting since off the bat, I can already tell she doesn't know what each of them are, so I asked if there was a story behind why she feels that way. She proceeded to tell me that her father told her that, and she ALWAYS listens to him. I asked her which financial company he works for. She said he works at a steel manufacturing company (which will remain nameless). So in the most polite way possible, I asked her why she is listening to someone who's not in the industry, not licensed and has no insight in the markets past or present. She said, it's because that's what he's always done himself. She also said he's been working for this company for 36 years and still cannot afford to retire. Some food for thought, don't take financial advice from someone who is not in the industry. Those of us who are, who have invested the time into learning the craft have insights and special relationships with highly successful fund managers and can tailor your specific retirement needs and goals to you specifically. I can develop a customized plan free of charge to my clients to show you what you personally need to do. Time is on no one's side, young or old, so let's talk. I can guarantee I'll bring some knowledge to our conversation that you wouldn't have known otherwise.

5 Tips for First-Time Homebuyers - Did you know that the majority of first-time homebuyers are Millennials? That’s right; Canadians born between 1980 and 1995 now represent a full 77 per cent of first-time homebuyers. If you fit the mold, then get a leg up on the competition as we enter the year’s hottest real estate month. Here ...

Warning: Trudeau has allowed banks to seize your money if economy fails

Still trust the banks? Still think they have YOUR best interests at heart? That means if a Canadian bank starts to fail, it would be allowed to seize your bank account to pay its bills. Seriously.

[02/23/18]   Simple reminder that the RRSP Deadline is March 1st @ midnight. Let me show you why our office has been voted #1 in not only investments in the Hamilton area by our clients, but also in customer satisfaction.

#notallinvestmentsarethesame #notallbrokersarethesame

Crypto coin company 'disappears with millions', leaving one-word message: ‘Penis

I've always maintained that if you don't know what the company is, or how things work, you shoudn't invest in them. Don't get caught up in the hype of 'the next big thing' if you're not willing to get burned by it.

With that said, why not invest in the tried and true methods? Regulated? YES, Risk? Low, if you're in a suitable investment that matches your tolerance and objectives. Proven? YES. A professional, such as myself, knows how to differentiate between fads, and facts.

I'm always available to guide you toward a future with dignity that you may (or may not) obtain using other less tried and true risk taking strategies, such as backing these type of scams. Daylight throbbery

8 Slick Ways to Save Money on Amazon You Probably Don’t Know About

Love to shop online? Well, if Amazon is part of that online shopping binge, here are some clever ways to reduce how much you spend, so you can better utilize that money for, say, investing for your future. Are you an online shopping addict? Well, this should help with the guilt. We found these smart tools to help you save money on Amazon.

8 Ways to Pad Your Emergency Fund

Here are some simple techniques you can use to save more, just in case Here are eight simple ways you can start padding your emergency fund right now: Set a monthly savings goal: automate deposits for each week or month to reach it. Start small – even if it’s five per…

Study: Canada is One of the Worst Countries to be a Parent In a recent U.K. study that measured parent work-life balance in 37 countries, Canada ranked No. 34. The findings were based on average annual hours worked...

[01/03/18]   Many people say they're busy. They have no time to do this, or do that. Let me ask you something without trying to offend you. Are you busy getting by, or busy getting ahead? The difference is, that if I asked you to meet with me for a coffee for 30 minutes, how many of you would do it? With that in mind, if I offered you a million dollars to do the same, how many of you would now? I'm sure if you didn't before, chances are, you would make time now, right?

Your million dollars is waiting for you, but all you gotta do is take the initial step to meet with me for a coffee, and I'll get you to that goal, it's now just a matter of how bad do you want it?

[12/15/17]   Lottery. Everyone wants to win. Who wouldn't? The lifestyle, the freedom, not having financial worries. Everyone's dream is to win the lottery. But what next? Most people who go from average to wealthy don't know how to manage money and either overspend or poorly plan.

What if I told you, that I know of a sure way to win? With proper planning and discipline, and of course someone to guide you through, you can surely have $250K, $400K, over a Million and beyond. Are you willing to put away if I told you it can be done with certainty and no risk?

You can wait for the next big thing, but is it sustainable? You can wait for someone else to figure out a great opportunity and jump in, but when will that be? Or like many many investors, you can invest systematically. It's tried, it's true, and it works. Proper systematic investing has beaten trends over the years, and has also eclipsed real estate investing. So when you're ready, let's talk. There's a lot you should know.

4 in 10 say if interest rates rise they could be in financial trouble: poll

The fact of the matter is that Canadians are not prioritizing enough to budget for future financial hardships are you living beyond your means? Do you have the essentials in place? Do you even know where to begin? I can help. Contact me. Four in 10 Canadians say that if interest rates rise any further they fear they will be in financial trouble, a new poll suggests.

The Ponzi Scheme That's Over 100x The Size Of Madoff "We want to believe so badly that the system is going to work..."

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