Linda Hammerschmid

Does privacy exist in Family Matters?

Dear Readers: Yes and no! There are few sacrosanct privileged communication areas left in our Technological Society today. Every word and every action seem doomed to immediate Internet social media exposure. So...
Lynn MacNeil Financial-Planner

The History and Myths of Retirement

Call now, to receive your free copy of our: Retirement Readiness Quiz – How ready to retire are you? CALL: 514-693-3317 (24 hrs) **Limited Quantities What is retirement? The word retirement con...
Lynn MacNeil Financial-Planner

Avoid getting a TFSA tax hit

Since their introduction by the federal government in 2009, Tax-Free Savings Accounts (TFSAs) have become a favorite savings option for many Canadians – and with good reason: TFSAs provide tax-free savings grow...
Lynn MacNeil Financial-Planner

You can, but maybe you shouldn’t

“Easy” and “simple” decisions don’t always add up to the right financial/estate planning answers. Here are a few “because I can” decisions to consider just a bit more carefully. I will add an adult child as ...
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Managing Your Money

“Buy Now, Pay Later” deals may have you paying a lot more than you bargained for I have written before about the “spend versus save” decisions which we are faced with every day, and how so many people don’t ...
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Leaving money to minors can become a major issue

You’re preparing your will – that’s good – and you’re considering leaving part or all of your estate to children or grandchildren who are minors – that may not be so good. Let’s look at why you need to carefull...
Linda Hammerschmid

Ask the Hammer

Tax Deductible Legal Fees Every year, I come across a certain number of people who have been through family proceedings and are not aware that they may be entitled to a tax deduction for the legal fees, or a p...