Why you should have written goals
- May 10, 2015
- Posted by: Brian Poncelet
- Category: Disability Insurance, Life Insurance, World News Insurance
No CommentsI would like to credit Forbes (Ashley Feinstein) for this story. http://www.forbes.com/sites/85broads/2014/04/08/why-you-should-be-writing-down-your-goals/”> There was a fascinating study conducted on the 1979 Harvard MBA program where graduate students were asked “have you set clear, written goals for your future and made plans to accomplish them?” The result, only 3% had written goals and plans, 13% had
TDS ratio (total debt service ratio)
- November 10, 2014
- Posted by: Brian Poncelet
- Category: Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance, World News Insurance
What is the TDS and what does it mean? A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment of whether a potential borrower is already in too much debt. More specifically, this ratio shows the proportion of gross income that is already spent on housing-related and
www.ratesupermarket.ca and www.rightinsurance.ca in the news
- February 17, 2014
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
Hello 2014! Sean Cooper wrote a blog (with my help) on Disability Insurance. http://www.ratesupermarket.ca/blog/why-your-disability-coverage-may-not-be-enough/ Insure your paycheck Make the most of disability insurance, an important and often misunderstood insurance. https://www.fidelity.com/viewpoints/personal-finance/disability-insurance “Disability coverage is one of the most ignored insurance coverages out there,” observes Keith Kruk, a Texas-based regional vice president of Fidelity Brokerage Services. “But
Toronto Star and TD life insurance
- December 9, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
One couple’s $97,500 life insurance mistake A decision by the Ontario Superior Court highlights the importance of correctly answering health-related questions on insurance applications. By: Sheryl Smolkin At Work, Published on Thu Dec 05 2013 In a nutshell TD insurance did not pay a claim. Why? The application also asked whether in the same period
Why TD mortgage life insurance is so expensive!
- December 1, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
Let’s start of and make a few points. If you leave the TD Bank ….your coverage is gone! If you pay off your mortgage…your coverage is gone! If you sell your house … your coverage is gone! What about price? If two or more borrowers are insured with Life Insurance, a 25% discount will apply
How Globe & Mail cost readers (who followed the reporter’s advice) lost thousands of dollars on their mortgages
- November 24, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
Don’t believe everything you read. Here is a great example taken from www.mortgagetrends.com http://www.canadianmortgagetrends.com/canadian_mortgage_trends/2007/10/globe-says-lock.html October 26, 2007 Globe Says Lock In Lock-in-Mortgage Rob Carrick from the Globe & Mail is ringing the alarm. With mortgage rates at 6-year highs and shrinking variable-rate discounts, he says it’s time to lock in now. Back in 2007 5
Can Rob Ford (Mayor of Toronto) get life insurance?
- November 13, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
The short answer is probably not. However he maybe able to get some special coverage assuming he gets the right help. Yes it maybe rated but…why not. You don’t know unless you try. Fact: Roughly 4% of life insurance applications in Canada are declined each year. This represents an estimated 35,000 policies and
Breaking Bad and Life insurance for Bryan Cranston (Walt White)
- July 29, 2013
- Posted by: Brian Poncelet
- Category: Approved, Hollywood, Life Insurance, World News Insurance
The TV series Breaking Bad follows protagonist Walter White (Bryan Cranston), a chemistry teacher who lives in New Mexico with his wife (Anna Gunn) and teenage son (RJ Mitte) who has cerebral palsy. White is diagnosed with Stage III cancer and given a prognosis of two years left to live. During the first season I think
More problems with Rate Supermarket HIGH Life insurance quotes.
- March 23, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
“Do you Know These Little-Known Pitfalls, Traps and Snares of Online Insurance Quotes?” What online life insurance quotes aren’t telling you… and how this can cost you and your family THOUSANDS of DOLLARS! (And a busload of aggravation to boot.) Have you ever been tempted to use those “instant” online quotes to see how much
Is life insurance quote(s) a scam?
- January 20, 2013
- Posted by: Brian Poncelet
- Category: Approved, Life Insurance, World News Insurance
The problem lies is areas lfe insurance calculator which reduces the insurance “needs” by subtracting RRSPs to support one’s family. Here is the rub. RRSPs are taxable! Why use RRSPs …draining retirement money to support a family? The insurance quote calculator should be used a very rough idea of cost. Here is an example Male