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The Rule of 72

The Rule of 72- Rule of 72

Written by Sarah Milton


“Compound Interest is the eighth wonder of the world.” – Albert Einstein



Einstein described compound interest as the eighth wonder of the world because he felt that those who understood it, earned it and those who didn’t, paid it. Compounding is what makes saving early and saving regularly such a powerful part of building wealth and it’s also what makes it so hard to get out from under the mountain of consumer debt that so many of us accumulate. In an nutshell, compound interest is earning (or paying) interest on interest. When you earn interest at a compounded rate, your money grows faster because you are earning interest on your total balance (principle + interest) rather than on the principle alone. Similarly, when you pay interest at a compounded rate (as you do with credit cards) your interest charges grow much faster and your debt load gets larger.

We can see the power of compounding in the table below, which shows how $1000 earning 5% annual interest grows over time. The first column shows how the $1000 would grow earning 5% simple interest (earned on just the $1000 principle) and the second column shows how it would grow earning 5% interest compounded annually (earned on the principle + interest).


The Rule of 72

The rule of 72 is a simple way to estimate how long it will take your money to double in value at a given interest rate. If you divide 72 by the annual interest rate, the answer is the number of years it will take to double. For example, 72 divided by 5 is 14.4. This means that, as you can see in the table above, it takes just under 15 years for $1,000 to become $2,000. 15 years later (in year 30) the money has doubled again to be just over $4,000 and, 15 years after that (in year 45) it has doubled again to become more than $8,000. In year 60, it will have doubled yet again and become $16,000. Using this rule, it’s clear to see that both time and interest rate are two key factors in building wealth. At 8% interest, your money will double in 9 years (72 divided by 8 = 9) but it will take 36 years to double earning 2% interest. For a 20 year old, $100 invested at 7% is worth $2,100 at age 65. For a 30 year old, that same $100 invested at the same rate is only worth $1,068 at age 65 and for a 40 year old, $100 invested at 7% is worth just $543 at age 65. This means that, at 40 years old, even though I’m only twice the age of the 20 year old, I have to save four times as much each year in order to achieve the same level of wealth at age 65. It’s a concept that I wish I had understood as a teenager because I’m pretty sure it would have motivated me to manage my money differently!

At the end of the day, saving is always a very personal decision: the choices we make about whether to save, where to save and how much to save, vary enormously from person to person. However, all too often, I hear people in their twenties saying that they’ll wait to save until they’re older because then they’ll be earning more. When you consider how powerful a factor time is in the wealth building equation, it just doesn’t make sense (especially when you consider that just because you’re earning more doesn’t mean you have more discretionary income). If you can do as much with $25 at 20 as you can do with $50 at 30 or with $100 at 40, it makes sense to start the saving habit early.

Even if you feel like you’ve “missed the boat” because you should have started saving years ago, remember that whatever you save today has a greater power to grow than money you save next month, next year or 3 years from now. We can’t change our past choices but we always have the power to choose to change our financial future by making different choices today.




Scenario 4: Seniors Without TFSAs

Scenario 4:  Seniors Without

Scenario 4:  Seniors Without TFSAs

By: Walter Harder
Robert and Jackie are contemplating retirement.  Robert is 65, earns $55,000 from employment and also receives a $24,000 pension.
Robert and Jackie are contemplating retirement.  Robert is 65, earns $55,000 from employment and also receives a $24,000 pension.  He has not started to receive OAS or CPP but is contemplating retirement at age 67.  Jackie is 62 and earns $45,000 employment income.  Jackie has accumulated $150,000 in her RRSP.  Both Robert and Jackie have no TFSA contribution room.
Will Robert and Jackie be better off in 2015 than in 2014?
This couple derived no benefit from the Family Tax Cuts announced in October 2014.
Indexation of the tax brackets and personal amounts will result in slight reductions in taxes payable by both Robert and Jackie unless their income levels increase.  Robert’s contributions to CPP and his EI premiums will increase due to increases in the maximum pensionable and insurable earnings.
As the couple has no TFSA contribution room, they have been making the maximum contributions under the old limit so they will benefit from being able to contribute more.  In the long term, the increased TFSA contribution room may help Jackie shelter earnings on RRIF minimum withdrawals if they money is not needed to fund their lifestyle.
The decrease in minimum RRIF withdrawals may help Jackie to plan her RRIF melt-down strategy once she reaches age 72.
If this couple is philanthropically inclined and have real estate such as a cottage that has increased in value, they could benefit from the new rules allowing the proceeds from real estate to be donated to charity in order to reduce capital gains tax.
Since both Robert and Jackie are currently working, they are not likely to be benefit from the new Home Accessibility Tax Credit in the short term. Should either develop mobility issues, they may be able to modify their home to accommodate their mobility issues while getting a 15% tax credit for the first $10,000 of their expenditures.

Scenario 3: Retired Couple with RRIFs

Scenario 3:  Retired Couple with

Scenario 3:  Retired Couple with RRIFs

BY: Karen Milner

Brian and Patricia retired a few years ago.  Brian is 74 and Patricia is 72.  The couple live in Halifax, NS and have RRIF balances of $300,000 and $400,000 respectively.


Will Brian and Patricia be better off in 2015 than in 2014?

This couple derived no benefit from the Family Tax Cuts announced in October 2014.

The reduction in RRIF minimum withdrawals will affect both Brian and Patricia.  Under the old rules, Brian was required to withdraw at least $23,130 from his RRIF.  Under the new rules, he is only required to withdraw $17,010.  If he has already withdrawn more than $17,010, he will be able to redeposit the excess (to a maximum of $6,120).

Under the old rules, Patricia was required to withdraw at least $29,920 from her RRIF.  Under the new rules she is only required to withdraw $21,600.  If she has already withdrawn more than $21,600, she can put back up to $8,320.

By withdrawing less, both Brian and Patricia can reduce their tax bill for 2015.  In addition, Patricia’s age amount could be increased by the reduced withdrawal (depending on how much other income she has).

This couple may well be able to benefit from the Home Accessibility Tax Credit if they need to make renovations to their home to make it more accessible.  Under this new program, 15% percent of the first $10,000 renovation costs could be eligible for a non-refundable tax credit.

If either Brian or Patricia has foreign assets with a value between $100,000 and $250,000, they’ll be happy to learn that the sometimes onerous rules for reporting such assets will be simplified for 2015.

This couple may also be able to take advantage of the new rules exempting capital gains on small business corporation shares or real estate investments if a portion of the proceeds is donated to charity.  If they are selling a family farm, they will be happy to know that the capital gains exemption on farm property has been increased to $1,000,000, exempting up to $500,000 taxable capital gains from tax.

The increase in TFSA contribution limits may allow for more flexibility in retirement as any minimum RRIF withdrawals that are not needed to fund lifestyle, can still be sheltered from tax (after the tax is paid on withdrawal).



Scenario 2: A Young Family

Scenario 2: A Young

Scenario 2: A Young Family

By: Walter Harder
Matthew and Ashley live in Winnipeg. They have two children, ages 3 and 5.  They own their own home. 
Matthew and Ashley live in Winnipeg.  They have two children, ages 3 and 5.  They own their own home.  Ashley earns $45,000 annually and has an RPP through work.  Matthew operates a small business (proprietorship) and nets $80,000 annually.  He has RRSP savings.  Child care costs total $12,000 annually.  The couple has no TFSA savings.
Will Matthew and Ashley be better off in 2015 than in 2014?
This couple were major beneficiaries of the Family Tax Cuts announced in October 2014.
The Family Tax Cut (income averaging) saved this couple a few hundred dollars in 2014 because after claiming Child Care Expenses the two spouses are in different tax brackets.  The couple is likely to continue to benefit from the Family Tax Cut unless Ashley’s income increases so she moves into the second tax bracket.
The increased UCCB of $60 per month per child will increase Ashley’s income in 2015 by $1,440.  Because the UCCB is taxable, Ashley will have to repay 25.8% of it in increased income taxes.  The increased income will also reduce the couple’s Family Tax Cut.
As a consequence of the increased UCCB, Matthew’s claim for the two children will be eliminated for 2015, increasing his tax bill by just under $700.
If the couple pays more than $14,000 in Child Care Expenses, their claim will increase in 2015 as the upper limit for children under 7 increased from $7,000 to $8,000.  This will decrease Ashley’s taxable income and increase the Family Tax Cut.
As a young couple, Matthew and Ashley could benefit greatly from the increase in TFSA contribution room.  At $80,000, Matthew’s first avenue for retirement savings should be the TFSA, at least until his income increases.
This couple could have benefitted from the increase in the Amount for Children’s Fitness in 2014 – if their expenditures exceeded $500 per child.  The 2015 change to make the credit refundable will have no effect on this couple as this change really only effects couples who are not taxable.

Scenario 1: Young Couple No Children

Scenario 1: Young Couple No

Scenario 1: Young Couple No Children

By: Walter Harder
Michael and Jessica are a young couple living in their condo in Vancouver.  How will the budget affect them?
Michael and Jessica are a young couple living in their condo in Vancouver.  Condo fees are $250 per month. They have no children and both work earning a total of $100,000.  Michael has a registered pension plan at work but Jessica does not.  Jessica has accumulated a small RRSP.  The couple has no TFSA savings.
Will Michael and Jessica be better off in 2015 than in 2014?
This couple is generally unaffected by changes announced in October 2014 or the 2015 Budget changes.  If income in 2015 is unchanged from 2014, the couple’s taxes will be reduced slightly as a result of indexation of personal amounts and tax brackets.  Depending on income levels, Michael or Jessica may pay slightly more in Employment Insurance Premiums and contribute more to CPP in 2015 as a result of the increase in the maximum insurable and pensionable earnings.
This couple has the potential to derive major benefits from increase in TFSA contribution room.  As a young couple, they have a significant period to make contributions to their own TFSAs to generate a significant tax-free retirement income.  If fact, with Michael’s pension plan, their TFSA accumulations could be more than enough to support a comfortable lifestyle in retirement.  Jessica need not use her RRSP contribution room at all – at least until her income is in the highest tax bracket.

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6 Costly Pension Mistakes and How to Avoid Them

6 Costly Pension Mistakes and How to Avoid Them-

6 Costly Pension Mistakes and How to Avoid Them
Written by Sean Cooper
If you have  a pension plan at work consider yourself fortunate. Only about a third of Canadians have a workplace pension plan today – a far cry from a couple decades ago. Workers  face a number of retirement challenges today. The low interest rate environment coupled with longer life expectancy means we need to sock away even more money for our golden years or face a drop in the standard of life we’ve become accustomed to.
If you have a decent pension plan, there are still mistakes you can make along the way. Having worked as a pension analyst for five years, I’ve seen my fair share of costly pension mistakes. Here are three costly pension mistakes that can cost you dearly and how to avoid them.
Not Returning Your Paperwork on Time
When you decide to retire or your employment comes to an end, you should receive a pension benefits statement in the mail shortly. If you’re eligible for an early retirement, the package will include forms of pension to choose from, such as life only, guaranteed  periods and joint and survivor options. If you’re too young to retire (and not considered a small benefit), you’ll be able to defer your pension (start it at a later date) or transfer your commuted value.
Mistake #1: 90 Day Deadline: Deferred Pension
While you should take the time to carefully review your package for any errors and carefully consider your options, it’s important to watch the deadline on your package. You’ll usually only have 90 days to return your completed paperwork. If you fail to return your paperwork your pension could be deferred until retirement.
For a 30-something-year-old this can be a costly mistake. If you’re not going to retire for another 30 years or longer, your pension will have lost a lot of its purchasing power by then. Remember the rules of 72 – if inflation only goes up by a modest average of 2 per cent per year, prices will double in 36 years, while your pension will be frozen. $1,000 per month may seem decent today, but when you go to retire it may not be a lot. Most private sector pension plans don’t offer indexing in retirement.
Mistake #2: 6 Month Deadline: Recalculation
Although some pension plans still allow you to transfer the commuted value after 90 days, there’s another important deadline you should be aware of. If you fail to return your paperwork in 6 months (90 days in Quebec), your commuted value will be recalculated. Depending on current interest rates, your commuted value could go up or down .
The commuted value represents a lump sum payment you’ll be able to invest to end up with an equivalent pension at your normal retirement date (NRD). The commuted value and interest rates have an inverse relationship. When interest rates go down your commuted value will increase (you’ll need to invest more money to end up with an equivalent pension at NRD), but if interest rates go up your commuted value will decrease (you’ll need to invest  less money to end up with an equivalent pension at NRD).
If interest rates go up by a lot by the time you return you paperwork, you could see your commuted value drop by hundreds or thousands of dollars. If you had simply completed it on time, you would have received your full commuted value with interest. If you’re transferring your commuted value to a financial institution, it’s important to follow up to ensure the paperwork is completed. You should phone the pension administrator to make sure your completed paperwork has been received and is being processed. It is your responsibility to make sure your financial institution returns your paperwork on time.
Mistake #3: Quitting Before You’re Fully Vested
Before you decide to leave your employer, it’s important to know the date you’ll be fully vested. What’s vesting? It’s the date you’re entitled to the full value of your accrued pension when you leave the pension plan. Leaving prior to reaching your vesting data can result in leaving hundreds or thousands of dollars on the table. Instead of receiving the commuted value, you’ll only be entitled to your contributions with interest. If it’s a non-contributory plan you won’t receive anything.
How do you find out your vesting date? Your vesting date can be found on your annual statement of pension benefits. Your vesting date depends on your work province, as well as how generous your pension plan is. In most provinces  the legislated minimum is two years before you became vested. That’s slowing changing as the provinces look to modernize. Provinces like Ontario and recently Alberta provide for immediate vesting. That means as soon as you join your company’s pension plan you’re vested.
To get around the new vesting rules, some employers may look to extend the eligibility for joining the plan. Instead of being able to join immediately, you may have to wait two years to be enrolled. If you’re a new employee, it’s important to ask if you’ll be enrolled in the pension plan right away. If you’re unsure, be sure to ask human resources or your pension administrator.

3 More Costly Pension Mistakes and How to Avoid Them


Written by Sean Cooper •

Last month we looked at three costly pension mistakes to avoid. Common pension mistakes include not returning your paperwork on time and quitting before you’re vested. This month we look at three more pension mistakes that can cost you dearly. Although it may not seem like a big deal, simple things like not updating your spouse and beneficiary and not joining your pension plan right away can come back to haunt you. Here are three more costly pension mistakes and how to avoid them.

Mistake #4: Not Updating Your Spouse and Beneficiary

It’s important to keep your spouse and beneficiary on file up to date. If you pass away in retirement and elected a pension with a guarantee period (i.e. 5, 10 or 15 year guarantee), you’ll want to make sure the remainder of the guarantee payments goes to the person you want. Just because you chose your daughter to be your beneficiary when you retired, doesn’t you won’t want to change it. What if you get remarried and decide to make your new spouse your beneficiary? Unless you complete a new beneficiary form, your beneficiary will stay the same. That means your daughter will still be entitled to your pension death benefit when you pass away, leaving your new spouse with nothing.

Things get even more complicated if you pass away before retirement. The pension death benefits for a pre-retirement death (or active death) depend on your pension plan and province of employment. Your spouse is usually entitled to the death benefit even if you beneficiaries on file. Even if you have a spouse, it’s still a good idea to name beneficiaries; if your spouse and you were to pass away at the same time (for example in a car crash), your beneficiaries would receive the death benefit instead of your estate. Again, it’s a good idea to complete a new beneficiary form.

Mistake #5: Not Joining Your Company’s Pension Plan Right Away

While a lot of employers enroll their employees in the pension plan right away, some employers leave it up to their employees to enroll. If you have a defined contribution plan, sometimes your employer will only deduct the minimum contributions off your pay cheque (for example, 2 per cent instead of the maximum 5 percent of your earnings).

As soon as you’re eligible to join your company’s pension plan, you should walk, no run, to your company’s human resources department to sign up. By not joining right away, you’re leaving free money on the table. You may prefer to invest your own money in your RRSP, but if you’re one of the lucky few with a non-contributory gold-plated defined benefit pension plan, there’s no good reason not to join.

Mistake #6: Not Starting Your Pension When You’re Entitled to An Unreduced Pension

If you choose to defer your pension (leave it in the pension plan) instead of transferring it to your RRSP, it’s important to make sure you keep your address up to date with your former employer. When you’re approaching your normal retirement date, your former employer will usually try to contact you, but only if they have your most recent address on file.

If you’re approaching age 65, it doesn’t hurt to take the initiative and contact your former employer about starting your pension. You’ll want to make sure you start your pension on time; although you may still be able to collect your pension retroactively to age 65 if you commence it later on, in most cases you won’t receive interest.




Financial spring cleaning

Financial spring

Financial spring cleaning

Written by Sarah Milton


Rearrange Your Goals

Given that research suggests that most of us will have abandoned our new year’s resolutions by mid-February, spring is a great time to revisit our financial goals and get back on track. One of the key components of successful goal setting is having a strong motivator; too often we set goals because we think we “should” do something rather than because we actually want to. Without a definite reason to save or to eliminate debt or to learn more about investing, it’s unlikely that we’ll stick at working on our goal long enough to achieve it. If you find that you keep setting the same goal over and over again and never making any significant progress towards it, it might be time to either give up on it completely or to find a solid reason to work towards it that actually motivates and inspires you to keep going.

Declutter Your Payments

Often when I meet with clients and we go through their statements, there’s at least one monthly payment that they’ve been meaning to cancel and never got around to. It might be a subscription to a magazine that you never have time to read, a monthly membership fee for a gym that you aren’t taking full advantage of, or one of those insurance policies that your financial institution persuaded you to take on a 30 day free trial and you forgot to cancel. Whatever it is, taking 15 minutes to review your statements and another 30 minutes to make some phone calls could save you a significant amount of money each month; money that could be “repurposed” towards a financial goal or that could be used for something that you’ll actually use and/or enjoy.

Tidy Up Your Spending

A spending clean up can be a powerful way to channel more of your money towards the things that matter most to you. Doing a clean-up of your spending means taking a look over your statements and finding all the places where your money is “drifting”. This drift might be the result of any number of things. For example: overspending at the grocery store, picking up lunch or coffee on a too-regular basis, random purchases of things you didn’t really need or too many cash withdrawals from the ATM. David Bach coined the phrase, “latte factor” to describe these small purchases that can add up to hundreds of dollars each month if we don’t pay attention to them. It’s not that treating yourself or indulging in the odd splurge is a terrible thing but the trick is to make sure that you’re using your “fun money” to pay for those things and not money that you might have intended to use for something else.

Try a Money Cleanse

If you find that you’ve got too much money drifting away each month, why not try a 28 day financial cleanse? Science suggests that it takes 28 days of consistent action to create a habit (good or bad) so taking four weeks off from random spending and trying really hard to develop (and stick to) a consistent spending/saving pattern can be a really powerful tool when it comes to taking your finances to the next level. The first few days are the hardest but if you can make it through the first week there’s a good chance you’ll be able to see it through all 28 days. Remember that the point isn’t to deprive yourself of everything that’s fun; that’s a sure-fire recipe for disaster in my experience! Rather, it’s about creating a balanced approach to spending and saving so that you can enjoy your money without overspending and ensure there’s enough left over for the future.

Effective money management hinges on building your understanding of basic money principles and creating simple systems that help you live within your means and pay yourself first. Taking a few hours every few months to check-in on those systems and make sure your spending habits aren’t slowing you down is a time investment that’s definitely worth making. If making some changes to your finances is something you’ve been meaning to do for a while, then why not take some time this week to think about what you could do to help spring clean your finances?



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Aliko Nutrition Store - Isotonix Digestive Health Formula  - nutrition store Aliko Nutrition Store - Isotonix Digestive Health Formula  
Isotonix Digestive Health Formula, an isotonic-capable food supplement, is a blend of amylase, protease, cellulase, lactase, maltase, sucrase and lipase enzymes. Enzymes are important for the body’s proper absorption and utilization of food. Over time, the body’s ability to make certain enzymes decreases as part of the natural aging process.

Aliko Nutrition Store- Isotonix Vitamins Isotonix™ Advanced B-Complex

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Isotonix™ Advanced B-complex is a mixture of the eight essential B-vitamins, such as Thiamin (B1), Riboflavin (B2), Niacin (B3), Pyridoxine (B6), Pantothenic Acid (B5), Folic Acid (B8), Cyanocobalamin (B12) and Biotin. Deficiency can lead to fatigue and lethargy, which is why B-complex supplements are excellent energy boosters.

Aliko Nutrition Store- Aloe Vera a source of over 200 nutrients

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What Makes Ultimate Aloe Juice Unique?
The aloe plant has been used to promote health for thousands of years. Ultimate Aloe Juice is a source of over 200 nutrients, enzymes, vitamins and minerals, including 13 of the 17 essential minerals needed for good nutrition.

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Aliko Nutrition Store- Isotonix OPC-3®

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Studies have shown OPCs to be up to 20 times more powerful than vitamin C and 50 times more powerful than vitamin E in neutralizing free radicals. Isotonix OPC-3 contains the only isotonic form of Pycnogenol® in the world. Pycnogenol is a natural plant extract from the bark of the French maritime pine tree and the most clinically researched and potent bioflavonoid.

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Isotonix® Daily Essentials Kit

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