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Great people actually get you there. Talk to an account manager about your retirement plans at - Summit Drive in Kamloops. P: Interest calculated daily and paid monthly. The key to a successful financial plan in your 30s and beyond is working with an experienced financial advisor to help set your lifestyle goals, develop a plan to meet those goals and ensure you stay on track over the long term. More information is available online at holliswealth. Finances can be confusing, but finding the answers to your questions can help you get right back on track. Can you imagine leaving your business for a four-to six-month vacation?
Have you ever considered what would happen to your business if you were to become seriously ill or disabled as a result of an accident and were not able to do what you do on a daily. Perhaps you should.
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Nobody ever plans on having an accident, yet every year, thousands of Canadians are involved in disabling accidents that prevent them from doing the things they take for granted every day. Statistics show that before the age 65, one in seven people will become disabled for five years or more. Planning for the possibility of an accident or illness. Receive 0. Disability insurance protects your most valuable asset — your ability to work and earn a living. These days with cutbacks to government programs, individuals are rethinking the previous belief that the government will take care of them.
These benefits can have waiting periods that are too long. The important decision your business will have to make is how much disability insurance you need and can afford. Also, another vital importance to your business is business overhead expense insurance. Disability can affect. Everyone should discuss the importance of disability insurance with a financial services advisor. If an amount is contributed by the higher-earning spouse to a spousal RRSP, the annuitant spouse must wait at least three taxation years after the last contribution before a withdrawal could be made without affecting the taxable income of the contributor spouse.
In a year of little or no additional income, that person will pay little or no taxes. A spousal RRSP can be a worthwhile income-splitting strategy, along with other tax-planning and retirement-savings strategies. Ask your professional advisor which ones will work best for you.
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Contact your own advisor for specific advice about your circumstances. For more information on this topic please contact your Investors Group Consultant. While that may seem self-evident, the data collected by Canadian literacy organizations spells out just how invaluable literacy can be. For example, the Canadian Literacy and Learning Network reports 42 per cent of Canadians between the ages of 16 and 65 have low literacy skills, with the percentage climbing to 88 for those older than Fewer than 20 per cent of that group of Canadians with the lower literacy skills will ever find a job, the network also reports.
Fiona Clare, literacy outreach co-ordinator with Literacy in Kamloops, said the intent of the Unplug and Play Week is to get families doing things together again, be it cooking dinner, sorting laundry, playing a board game or reading aloud. The value is we know that nothing can replace face-toface time. Various activities began earlier this week and it wraps up on Saturday, Jan.
The schedule is available online at kamloopsthisweek. It will be repeated on Jan. Registration is required by Jan. Also, through Thursday from p. Register at freshoutlookfoundation. It is a partnership with the university, the Real Estate Foundation of B. Sustainable Energy Association and Urban Systems. Stephen Shepperd and will cover ways to foster climate-action awareness using tools like Google Earth, Street View and Photoshop.
Admission is free.
Secwepemc and First Nations drummers and free bannock will be included. Environmental, social, cultural and economic health will be discussed featuring case studies from around the world. Challenges and solutions for the Kamloops area will be discussed. All presentations, unless otherwise stated, will be held in the Campus Activity Centre at 7 p. The university is located at McGill Rd. For more information, go online to freshoutlookfoundation. The group, designed for adults, is a nonsmoking, technologyfree enterprise that hosts a variety of events for adults throughout the year, ranging from games nights to attending sports events to potluck dinners to parties themed around special events — and that can be something ranging from a Grey Cup party to a rummoli tournament.
For moreinformation, email laugh shaw.
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A seven-week marriage course for couples of all types begins will begin in February at Southwest Community Church. The course, designed for couples of all strengths, ages and statuses, begins on Feb. It takes place in an intimate atmosphere and discusses topics. It does not include group discussion. To register, call or email administrator swcc.
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Sessions include coffee and tea every week and books to work through. The church is at Hugh Allan Dr. New family programming is coming to the North Kamloops Library. Story Dog and Tweens On Tuesdays now round out the schedule. The drop-in sessions allow kids to read to a St.
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John Ambulance dog. The program is also offered at the downtown library on Wednesdays from.
Tweens on Tuesday will be offered on Tuesday nights from p. It is a registered program and includes a snack and crafts and games. That program runs weekly until March 3. For more information on the programs or to find out when they take place at each library, go online to tnrdlib. The Kamloops Exploration Group has another series of lectures planned for early in Geological Survey. Each starts at 7 p. The band hits the road in the West to promote the recording, including a show on March 19 at The Blue Grotto. The event begins at 7 p. Admission is by donation at the door.
Registration opens tomorrow Jan. The week-long event, running from Aug.
This year, flat-foot dancing has been added to the list. Nowhere, on Saturday, Feb. The band includes J.