Winter 2009 Newsletter

Click below to access the Winter 2009 Newsletter

If you needed money today due to illness would you…
1. Get it at par?
2. Get it at a premium?
3. Get it at a discount?
– Have you considered
Critical Illness Insurance?

The Ultimate Kids Plan

If your child is diagnosed with a major illness anytime during their lifetime, due to advances in medical treatment, your child will survive.During a serious illness
what does your child want most?
You, at their side
With this plan, you will be there to help and you can:

Take time away from work
Seek the best diagnosis and medical treatment without delay
Get the help you need
Minimize the psychological and financial impact
And ensure your childâ€™s wishes will come true

Tax Free Savings Account

Starting January 2009, you will have another great way to grow your savings. With the introduction of the new Tax-Free Savings Account (TFSA) by the Federal Government, Canadian residents age 18^* and older will be able to contribute up to $5,000 per year without being taxed on investment income or capital gains. And while there is no tax deduction for contributions, the Tax-Free Savings Account is extremely flexible and can be used to help meet both short- and long-term investment goals. More information…

Stay informed with the latest insurance and investment news and how it affects you. VISIT MY BLOG!

Start January 2009 the Right Way!
Set up your Spending, Savings & Retirement accounts. Make your budget for the year with my easy calculator to determine your net worth. More information…

Dear Newsletter Reader:
January 2009 is upon us and here’s what you need to know for a successful financial future in 2009!

You are invited to attend a

Wine & Cheese on January 20 at 7pm. Would you like to find out Ways To Save Money & Pay Less Tax? Find out more information here.Happy New Year! And don’t forget to plan for success!
Janea Bellay

Knowing Your Risk Tolerance
Stock markets can be wildly unpredictable, but knowing your risk tolerance will set you up for success

There is no doubt this has been a very difficult year for investors. As the economic situation here at home and around the world continues its bumpy ride, we are all left feeling a bit helpless, and concerned about our own financial security and well-being.

To help reassure you, I thought I would take a few minutes to remind you of some of the steps you can take to protect your assets. More information…

What Will Canada Look Like in 2020?
After World War II, births in Canada increased to 28 births per 1,000 people â€” today its about 11 births per 1,000 people. As these baby boomers born between 1945 and 1960 retire, a shift in demographics will occur in Canada

Are you prepared? Are your parents prepared?

Baby boomers will retire which means 50% of the population will NOT be paying taxes
Increased expenditures in health care will occur as baby boomers put a strain on our system
Federal payments to seniors will increase such as Old Age Pension and Guaranteed Income Supplement
Nursing homes will become highly populated
People are living longer which will stretch out the expenditures on the government

Think about Long Term Care Insurance

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Janea Bellay – Performance Financial Services Inc.

217-3501 8th Street East

Saskatoon, SK S7H 0W5

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