National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.

The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.

Often, the way we divide up our assets for our beneficiaries may be equal, but not fair due to different family & economic structures or situations of the beneficiaries.

Many families have children that are probably more successful than other children in the same family. Punishing those successful kids for their success (by limiting how much or what they inherit) may be problematic when it comes to inheriting assets.

Tune in to listen how Jessica Elie suggests you approach this very common scenario with compassion, care, & fairness.

*****

National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.

The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.

The securities or sectors mentioned in this episode are not suitable for all types of investors and should not be considered as recommendations. Please consult your Wealth Advisor to verify whether the security or sector is suitable for you and to obtain complete information, including the main risk factors. Some of the securities or sectors mentioned may not be followed by the analysts of NBF.

National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

I have prepared this report to the best of my judgment and professional experience to give you my thoughts on various financial aspects and considerations. The opinions expressed represent solely my informed opinions and may not reflect the views of NBF.

The opinions, endorsements, and recommendations expressed in my profile do not necessarily reflect those of National Bank Financial. This site and electronic communications will be monitored by National Bank Financial for compliance purposes.

Downsizing your home to save money and simplify your life? This podcast is for you....

Things you wish you'd known before downsizing.

- it will probably cost you more than you anticipated- you may need new furniture, new art, and there may be fees that you haven't considered?

-you may not get the location you always wanted

-plan as early as possible- 5 years before pulling the trigger is ideal

-speak to a professional or advisor when thinking about downsizing

Learn why staying calm and thinking long-term is key to financial success in volatile times.

Tune in for expert tips to keep your money rational and thrive! 📈💡

#investingtips #podcast#marketvolatility#staycalm

1) Not structuring your money to make you more money

2) Not having a supportive social circle

3) Forgetting to dream

4) Retiring too early

5) Not keeping up with your hobbies

They also discuss why the thought of going to the beach everyday, or travelling all the time, or spending our days golfing is not realistic and can get boring VERY fast. We're still human and we still require purpose. Diversifying our time is key to a happy retirement.

Amongst the many things we discussed, we focused on questions that many of us are asking 🧐

1️⃣ Given the economic and political environment in the US, how do you see things playing out for Canadian investors 🇨🇦📊?

2️⃣How can investors be proactive in navigating the market turbulence we've seen in the last few weeks and in the coming weeks💡?

Spoiler Alert…his words of wisdom were 💬…"this is not time to be a hero"- loved that 🚀⚖️.

Let's Dig In...

We all love tax right? RIGHT???

💡Easily one of my favourite recordings to date. Along with Jalal Midani & Ali Spinner of Crowe Soberman, I had a great discussion on the importance of correctly setting up a corporate structure if you're a business owner. However you choose, it will have a profound impact on your tax obligations, operational efficiency, and overall success📝.

We learned a TON 🧠. Key takeaways were 🗝️:

- As a business owner, ask yourself, did you set up your business for a

future-sale? Or for income? 🔄

- For optimal sale-value & after-tax proceeds- 2 years of planning

is a minimum for setting yourself up for greater success 📈

- It doesn't matter much if you pay yourself a salary or a dividend (up

to a specific amount) 🛡️

- The use of trusts and holding companies can be VERY beneficial for

certain goals and in certain contexts- check out if it suits you 💼

If you're a business owner- I don’t say this lightly, you may find this chat beneficial

Ask your advisor to learn more.

There have been some recent updates to the program- did you know that capital expenditures are now eligible again? 🌟

🗝️Key takeaways:

1️⃣If you are working on a problem in which there is no obvious

solution, it's probably SR&ED eligible.

2️⃣It's not just for tech or startups; even very large established

non-tech companies in Canada benefit from SR&ED.

3️⃣Thorough documentation and records are crucial for a successful

claim.

4️⃣Claim substantial SR&ED credits annually with eligible work and

expenditures.

5️⃣Consult an advisor- filing SR&ED with your corporate tax is

ideal.

No one moves in with their partner anticipating a break-up….(almost no one)…..so why don't we talk about financial protection enough?

A fantastic discussion with Alex and Jalal on the importance of cohabitation agreements.

🏡 If you're thinking about moving in with your partner, a cohabitation agreement is key to ensuring both parties are protected.

Learn how proactive planning can keep your family out of court, reduce litigation costs, and strengthen family bonds for generations to come. Whether you’re just starting or refining your estate strategy, this conversation offers valuable insights to protect what matters most.

🎙️ Don’t miss this essential discussion—hit play now!

#EstatePlanning #FamilyLegacy #HappyInheritors #WealthManagement #FinancialPlanning

**********

The opinions, endorsements, and recommendations expressed in my profile

do not necessarily reflect those of National Bank Financial. This site

and electronic communications will be monitored by National Bank

Financial for compliance purposes.

National Bank Financial - Wealth Management (NBFWM) is a division of

National Bank Financial Inc. (NBF), as well as a trademark owned by

National Bank of Canada (NBC) that is used under license by NBF. NBF is a

member of the Canadian Investment Regulatory Organization (CIRO) and

the Canadian Investor Protection Fund (CIPF), and is a wholly-owned

subsidiary of NBC, a public company listed on the Toronto Stock Exchange

(TSX: NA).

The information contained herein has been prepared by Amy Dietz and/or

Sean Durkin, Wealth Advisors at NBF. The opinions expressed do not

necessarily reflect those of NBF.

The particulars contained herein were obtained from sources we believe

to be reliable, but are not guaranteed by us and may be incomplete. The

opinions expressed are based upon our analysis and interpretation of

these particulars and are not to be construed as a solicitation or offer

to buy or sell the securities mentioned herein. The opinions expressed

do not necessarily reflect those of NBF.

Don’t forget to like, subscribe, and let us know your thoughts in the comments below. Here’s to a fantastic 2025! 🍁

#HappyNewYear #Podcast

It’s also a great time for paying close attention to our aging loved ones during our visits…. 🎅✨

It’s a unique opportunity to listen, observe, and ensure their well being…. 🩺

Beyond the laughter, joy, & shared meals…

- 🕵️‍♀️Pay close attention to changes in diet, hygiene, social interactions, and mental health

- 💬Recognize these clues, and start a semi-structured conversation maybe a little down the road

- ❤️Approach any dialogue with empathy and understanding- that can make all the difference. The goal is to ensure our loved ones receive the support they need, and that they feel valued and heard in the process

#SeniorCare #AgingParents #HolidayCare #FamilyFirst #EmpathyInAction #Caregiving #AgingWithDignity #ElderCare

It's that time of year again—our 2024 edition of "Last Minute Gifts for the Holidays" is here! Let's show some love to local and small Canadian businesses this season. We've curated a list of our top picks and shared a bit about what makes each one special.

#SupportLocal #ShopSmall #CanadianBusinesses #HolidayGifts #2024Holidays

That is the million-dollar question (no pun intended) 🧐

Jalal and I recently sat with April Harbottle of Transition Architects to discuss M&A trends and high-level points regarding selling a business. The chat was as fun and engaging as it was insightful 🤯.

Our top 3 takeaways:

1- The best time to sell is when things are going well 💥. Not when things are bad. If you see negatives coming, chances are a buyer does too.

2- Sales numbers are great. But keep your eyes on the profits as well. It’s the bottom line that appeals to buyers more 📈

3-The most successful transitions are those planned early. 🙇‍♀️

#m&a #mergersandacquisitions #exitstrategy #businessowner #businesstransition #success #entrepreneur #businesstrends

Admittedly, I was guilty of correlating innovation to just the tech sector- it certainly seems that way sometimes.

But I recently learned that innovation isn’t just in tech. In our latest episode, Jalal and I had the fortune of chatting with Manish Goyal of JP Morgan and exploring how innovation is just as solid and thriving beyond the tech sector.

Our top 3 take-aways from the discussion:

1) Look beyond tech- disruptive and game-changing initiatives are happening in healthcare, finance, industrials, and others.

2) R&D investing is a major contributor to innovation. Companies that invest in R&D to commercialize offerings will remain at the forefront.

3) Whenever a major advancement occurs, new winners and losers are created. Companies investing in creating an ecosystem of diverse, yet related, offerings can weather harsher storms.

#finance #innovation #investing

For some fun, we dived deeper, talking about issues in the gaming industry including the impact of monetization and gambling elements in games and issues surrounding the shift to digital content/games over physical formats. Specifically, we talk about what it means to "buy a game" in the online stores. Do you really own the game?

#gamedev #gaming #indiegamedev #gaming2024

Here are the highlights of the chat:

🏡 Start thinking about senior care early: Planning ahead ensures you can make thoughtful decisions about your loved ones' future well-being.

💪 Exercise is key to aging well: Physical activity promotes strength, mobility, and overall health, helping seniors maintain their independence longer.

👥 Companionship matters: Social connections are just as important as physical care. Meaningful relationships can boost mental health and bring joy to later years. Whether its scrabble or photography, doing things that are meaningful to the individual goes a long way.

#seniorcare #healthyliving #eldercare #wellness #canada #activeaging

Sean Durkin and I chatted with Dr. Thomas W. Deans, best-selling author of "Every Family’s Business," on key considerations & questions when planning to sell your business to family members.

Business succession is often complex, and the best transitions happen with long-term discussions and planning.

If you own or are part of a family-run business, this one’s for you!!

#BusinessSuccession #FamilyBusiness #Podcast #WealthManagement #SuccessionPlanning

Not pages upon pages of graphs and numbers that get stared at confusingly before getting stored or thrown away.

Having a clear and realistic plan for your finances can help you achieve your personal and professional goals faster and easier. A plan should be concise with a clear depiction of your ‘goal-posts’. It should easily be able to tell if you’re on the right track. Benefits of such a plan include:

- managing your income and expenses more effectively

- enabling you to save and invest for the future

- protecting you and your family from unforeseen risks and emergencies

- reducing your stress and increasing your confidence

In this episode, Jalal and I chatted with Bryan Monchamp of National Bank Financial to talk about the cutting edge advantages that Advice Suite (our in-house planning tool) has. Although I’ve been using it for a while, we invited Bryan to tell us more about the value it adds to both advisors’ and clients’ lives.

Tania shared her excitement about the pivotal decisions she’s made in her life regarding finances, and the proactive steps she took that she is most grateful for.

Key highlights from the conversation:

Embracing Early Action- She was particularly fond of taking charge early on to get a head start towards financial independence.

Empowering Community- supporting other women in achieving financial independence by encouraging each other to take a seat at the financial and decision-making table.  

Definitely worth checking out!! Tune in for the full chat!

One thing we absolutely loved is the 40/70 Rule, where if you're in your 40s, chances are your parents are in their 70s, and this topic might be worth bringing up.

Whether you're just beginning to explore these options or are in the midst of making decisions, this episode is a must-listen.

The dialogue was fabulous and enlightening. We delved into the Russia-Ukraine War, Israel-Hamas conflict, global electrification efforts, and China-Taiwan-US tensions.

Now things may seem bleak, globally. But Angelo did a great job in detailing out a series of advantages and strengths that both Canada and the U.S. possess in their arsenal, setting them apart from other regions globally.

National Bank Financial Inc. (NBF), as well as a trademark owned by

National Bank of Canada (NBC) that is used under license by NBF. NBF is a

member of the Investment Industry Regulatory Organization of Canada

(IIROC) and the Canadian Investor Protection Fund (CIPF), and is a

wholly-owned subsidiary of NBC, a public company listed on the Toronto

Stock Exchange (TSX: NA).

The information contained herein has been prepared by Amy Dietz-Graham, a

Wealth Advisor at NBF. The opinions expressed do not necessarily

reflect those of NBF.

National Bank Financial Inc. (NBF), as well as a trademark owned by

National Bank of Canada (NBC) that is used under license by NBF. NBF is a

member of the Investment Industry Regulatory Organization of Canada

(IIROC) and the Canadian Investor Protection Fund (CIPF), and is a

wholly-owned subsidiary of NBC, a public company listed on the Toronto

Stock Exchange (TSX: NA).

The information contained herein has been prepared by Amy Dietz-Graham, a

Wealth Advisor at NBF. The opinions expressed do not necessarily

reflect those of NBF.

#philanthropy #advisors #nationalbank

National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

The information contained herein has been prepared by Amy Dietz, a Wealth Advisor at NBF. The opinions expressed do not necessarily reflect those of NBF.

Check out Lagom Collections: https://lagomcollections.com/

Jalal Midani and I had the wonderful opportunity to engage in a discussion with Jennifer Steckel Elliott for our new series, ALL Bets on HER. During the episode, Jennifer imparted valuable financial and life insights drawn from her journey.

Jennifer discovered that a key to achieving success in financial and life choices is the effective communication and clear expression of one’s principles and values, whether it be with a spouse, offspring, coworkers, or others.

Her transition from a thriving career in marketing and client services to founding Lagom Collections was inspired by her love for technology and design and driven by that creative-entrepreneurial spirit. This innovative platform enables individuals to personalize their living spaces by displaying their treasured book collections, thus allowing their walls to mirror their unique identities.

It was a fabulous and rich chat, and certainly a blast to record. Some

of our favourite takeaways are:

-The rainy days do come- be prepared!!

-Speak Up! Don’t Ask, Don’t Get

-Articulating your values and priorities to your family members is crucial to sustainable wealth growth and a joyful life!

-It is important to know when to start having these conversations with your children, so that they may also learn from the lessons and experiences you have gone through.

Thank you again Jennifer!

National Bank Financial - Wealth Management (NBFWM) is a division of

National Bank Financial Inc. (NBF), as well as a trademark owned by

National Bank of Canada (NBC) that is used under license by NBF. NBF is a

member of the Investment Industry Regulatory Organization of Canada

(IIROC) and the Canadian Investor Protection Fund (CIPF), and is a

wholly-owned subsidiary of NBC, a public company listed on the Toronto

Stock Exchange (TSX: NA).

The information contained herein has been prepared by Amy Dietz-Graham, a

Wealth Advisor at NBF. The opinions expressed do not necessarily

reflect those of NBF.

This program is designed to help young women students enter the financial industry and learn more about the different roles in wealth management with the goal of having more women in the industry.

Over the years, the program has evolved and grown across Canada and our partnerships have grown to be with more than 42 universities from coast to coast.

Learn more about our Young Women Student Mentorship Program at:

Finding your way as a female investment advisor | National Bank Financial - Wealth Management (nbfwm.ca)

Among the many things we spoke about, including AI, Jonathan delved into how the advisor-client relationship is evolving and where he sees it in the next 5-10 years. As an advisor, having access to a wider variety of data will increase client satisfaction because clients are coming to their advisor for a wide spectrum of non-financial inquiries.

#wealthmanagement #nationalbank #advisors

To help with some ideas, our yearly Holiday Gifts is now out for 2023!! Sean, Jalal, and I, rounded up our top picks for this holiday season. All items are Canadian, supporting Canadian companies and individuals:   

For those that love books, pets, and art:

-       Golden Love- J. B. Simon-

-       A Life Well Danced- Jane Gall Spooner-

Want to get a young adult more interested in saving money and finances?

-       How to Turn $100 into $1,000,000-

-       How To Money-

Who doesn’t love awesome snacks and great coffee during the holidays? Guilty!  

-       Balzac’s Coffee- Special Anniversary Blend-

-       Aware Winning Saltwinds Coffee-  

-       Mary Macleod’s Shortbread-

Sean loves funky socks…..Nothing to get you in the holiday spirit like pajamas & funky socks…..

-       SAXX socks-

Love Yoga? Yearning for that six-pack and bettering your balance after munching through the holidays?

-       Montreal Board-

And finally….talk about the bachelor fridge...if you’re anything like Jalal who only has water, a can of Red Bull, and coffee creamer in his fridge, then this is for you…

-       Koolatron Mini Fridge-

Seriously Jalal! It’s called a grocery store!

Tune in for some fun, laughter, and a chat about each item.

Hope you enjoy & Happy Holidays to all!!!

What is the difference between headline and core inflation?

How can individuals and investors behave in this inflationary period both from an investment perspective, and from a spending perspective?

2023 marked a significant year for the Canadian banking system. As we witnessed the downfall of a few regional banks down south of the border, many Canadians became concerned about the downfalls rippling through up to Canada.

In addition, more concern and questions have been rising in the past few weeks as we hear of a few of the large financial institutions cut employee head count.

In order to understand the difference between our banking system and that of our southern neighbor's, we invited Teresa Lesyk, Director & Head of Cash Management with the National Client Group here at National Bank, to take us through a deeper and more comprehensive analysis of the key differences.

With Teresa's guidance and expertise, we learned that Canada has a much more centralized and robust financial system than that of the U.S., inevitably making it much more stable. The very nature and structure of our banking system is very different and hence generally does not go through the same headwinds as their peers down in the U.S.

#canadianbanking #financialinstitutions #nationalbankofcanada

For example, if you became a parent to a new-born recently, the cost of post-secondary education by the time they are old enough to be admitted will be much higher than where it’s at now.

So in light of autumn and the new school year being in full swing, Sean, Jalal, and I sat down to discuss the rapid rise of the cost of education in the past 20-30 years, and how an RESP can help not only in saving for a child’s education, but can also be a very effective tool for beating the rising cost.

Happy listening!

In this insightful and engaging discussion, we spoke about what the strike is about and how there needs to be an evolution and modernization of the entertainment operating model to keep up with the changes of our times- specifically regarding the rise of subscription-based services.

We finished off by chatting about what we’re looking forward to at TIFF and the discussions at the different events that National Bank of Canada is proud to be a part of.

Jalal Midani and I invited Jonathan Khan with the National Client Group back again to sit with us and share his expertise pertaining to the 5 C’s of credit and how Canadian businesses are being affected by corporate lending in 2023.

In a nutshell, the 5 C’s are:

1. Capacity
2. Capital
3. Collateral
4. Character
5. Conditions

With the National Client Group of National Bank Financial & National Bank of Canada, we take it upon ourselves to support Canadian businesses and Canadian entrepreneurs as they navigate through this new high-interest rate environment.

Philanthropy plays an essential role in society and ensures the general well-being of the community in many business sectors. Whatever your philanthropic goal, the Philantra Foundation will help you incorporate it into your overall financial, fiscal, and estate planning.

The Philantra Foundation’s vision is to make philanthropy accessible, simple, and beneficial for all:

• By helping donors support long-term causes close to their hearts
• By supporting charities achieve their charitable goals
• By advising professionals on how to leverage funds for philanthropic project

To learn more about Philantra, visit: https://www.nbc.ca/personal/savings-investments/philantra-foundation.html

From movies to T.V. shows to paintings to video game development, there is an experience that is uniquely Canadian. And we at National Bank of Canada and National Bank Financial are proud to be a part of the process in giving a voice to Canadian communities and producers to showcase our great Canadian culture, landscape, and talent.  

Here are a few ways that National Bank is helping in the creative industries space:

1)    Tax Credit Finance

2)    Coordination with Ontario Creates, Canadian Media Fund, and TeleFilm Canada

3)    Support in closing the funding gap

Advisors can deliver value specifically tailored for entrepreneurs and their businesses to make sure all the strings are pulling in the same direction. As ‘entrepreneurs’ ourselves, we at National Bank Financial have a passion for creating a customized financial ecosystem to ensure that your personal and business finances are working together to meet your goals.

Here are the top 4 ways we can add value to a business owner:

1) Longevity of relations

2) Access- a greater variety of custom investment options

3) Integration- an ecosystem of services

4) Coordination- removal of silos

Generally, no one game determines the fate of the team- losing one game does not equate to the end of the world. Investing is similar in that if a portfolio is properly diversified, one holding does not determine the outcome of the entire portfolio.

In baseball, you could make all the right choices and still lose a game. In investing, you could do all the research and due diligence, and still come out wrong sometimes. That's baseball, that's investing, and that's life.

Step 1) Identify the BUSINESS NEED

Step 2) Establish the ROLE NEED

Step 3) ATTRACT the ideal candidate and LEAD the interview

Step 4) Onboarding, INTEGRATION, and continuous improvement

In this episode, Amy and Sean explain what happened with SVB and whether or not its collapse affects Canadians in general.

Tune in to also find out what protections there are for Canadians in the case of an insolvent bank.

Filing taxes can be one of the most nerve-racking responsibilities of the year. The more complex your situation is, the more nerves can fire.

BUUUTTT- working with a diligent accountant, can relieve MUCH of the stress.

Wealth Advisors get asked a lot as to what to look for when hiring an accountant. Or the infamous, “Do you know a good accountant?”

The answer is subjective because everyone’s situation, needs, and wants, may be a little different. When vetting an accountant here are some factors to consider.

1) Credentials

2) Find an accountant that matches your energy level- similar to the dating world, finding an accountant that’s on par with your wavelength can enhance the relationship.

3) Strategic

4) Communicative and Accessible

5) Keen attention to detail

6) Relevant experience

7) Technological proficiency

An excellent read, Housel's work is short yet full of insight. Rather than talking about the technicalities of investing, Housel instead introduces a narrative element to each principle in order to show that success in investing is dependent on the psychology of the individual more than the numerical foundations/details of the market or of specific investments.

For those not interested in reading about money or financial growth, you may still find Housel's principles and rules important and relating to other areas of life.

A very well written and relevant piece of work, The Psychology of Money earns our Timeless Recommendations badge.

In order to leverage opportunities and effectively grow, businesses may want to look into optimizing their working capital or cash flow.

Amy sat down with Jonathan Khan, Relationship Director with the National Client Group, to get some details on how optimizing cash flow can aid a business in becoming leaner and more efficient.

So, in response to concerns regarding how 2023 is going to look like, Amy & Sean sit to give their thoughts about how 2023 may shape up to look like and share what other firms are speculating for the year ahead.

In this 2022 holiday special, Sean and Amy thought to test each other on who knows the other better. The game is "Two Truths and a Lie". If you're a pro at never have I ever, you gotta try it.

If you're thinking about what to play with your friends and family over the holidays with some drinks in hand by the fireplace- give this game a shot. It's a ton of fun. Up the stakes and maybe the loser of each guess has to down a drink, or 4 :)

Enjoy the good vibes and Let It Snow!!

In this 2022 holiday special, Amy and Sean thought it would be a clever idea to share some local and unique gift-giving ideas for the holidays!

Tune in and you be the judge!! We hope you enjoy the show:)

Gift Ideas in the episode:

Kids Books:

www.amooseinamapletree.com

A Moose in a Maple Tree by Troy Townsin

Foodie: Salt Springs Kitchen co.

Hot Mango Spicy Pepper Spread

https://saltspringkitchen.com/

Green thumb:

Radical Roots

www.radicalroots.ca

Sports Fan

Our Game Too

https://www.chapters.indigo.ca/en-ca/books/our-game-too-influential-figures/9781970159820-item.html?ikwid=our+game+too&ikwsec=Home&ikwidx=0#algoliaQueryId=0141bc0857a1e0778ec98efd575edc20

We are, We can, We Will

https://www.amazon.ca/We-Are-Can-Will-Champion/dp/1970159847

Hostess Gift

Soy Candles

Lamb + Kiss Candles

https://www.lambandkiss.com/

Dance Collection Danse

https://www.dcd.ca/

Ganaoque Arts Network

https://www.ganarts.ca/

Canadian Books:

Theory of Crows- David Robertson

14 Days- Edited by Margaret Atwood

Gift Baskets:

The Happy Box- https://thehappybox.ca/

A lot of times, some parts of the business may be in your head. Perhaps it's that "special recipe" you use for your main dish in your restaurant. Or it's some special supplier for the oil you use for your bearings when manufacturing machinery. If you are looking to selling the business one day, these things need to be jotted down and documented for the buyer.

In other words- no one pays for the secret moving parts that you keep in your head.

That being said, it can prove challenging to teach them about money (anything for that matter)- especially when they want to be buying $400 shoes.

In this episode, Amy and Sean give some insight on how to approach your teenage children with the money topic and what to keep in mind when trying to pass on certain values and habits.

Historically, October has been a bad month for markets. But in 2022- of the approx. 70 percent of the companies on the S&P 500 that reported earnings, nearly 72% of those beat analyst estimates. More companies increased dividends and share buyback was also on the rise. The month certainly disappointed analysts, but rewarded investors (at least just a bit).

Welcome to the world of 'dividends'.

Not only will select dividend-paying shares increase in share price (over time), but the dividend income derived from these shares have historically nearly always outpaced inflation- and by a long shot. Incorporating dividend-paying investments in a portfolio is an excellent strategy to solidify its strength.

You can also compound the growth by turning the income around and automatically reinvesting it!

In this episode, Amy and Sean sit with Teresa Lesyk, Director and Head of Cash Management, to discuss, first, the different ways fraudsters have come up with to try and trick individuals, and second, what you can do to stay safe and not fall victim to the various schemes.

Amy sits down with Ontario Society of Professional Engineers' very own Jerome James to answer some crucial questions regarding engineers and the investment world.

Why are the markets behaving the way they are? What would a recession in '22 or '23 look like? What can investors and individuals in general do to leverage and take advantage of a possible recession?

From swear jars to gummy bears and treats, there are a few ways to embed ‘discipline’ in your children so that the concept of “currency” becomes a consideration in their life afterwards, increasing their chance and intelligence to attain financial success.

In this live event, Amy and Sean seek to answer the burning questions we all have regarding inflation, the lag of inflationary numbers, and any relations to the equity markets.