TriDelta Insight
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Email: tedr@tridelta.ca


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Dear reader,
February has brought us the magic of Valentine's Day, which is all about love and appreciation. It also recently delivered Family Day, another pretty good idea for a holiday.

We hope you enjoy this issues variety of articles from RRSP snippets, to client feedback, an awe inspiring video, interest rate musings, Alzheimer's news and our book and movie picks.

Enjoy & be well,

TriDelta Financial

RRSP snippets
With the deadline for registered retirement savings plan (RRSP) contributions nearing on Feb 29, 2012 we encourage everyone to check their latest notice of assessment for your available room and make the deposit.

The maximum contribution for 2011 is $22,450. However, if you did not use all of your RRSP contribution limit for the years 1991-2010, you can carry forward the unused amount.

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Happy Clients
Late last year we conducted our latest 'Satisfaction Survey', which despite the very difficult global environment was encouraging and confirmation of the strategy we have in place.

As with any survey of this magnitude we had a few exceptions and specific requests, but overall recorded a resounding vote of confidence in our various services (financial planning, investments, insurance and mortgages) and ongoing communication.

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Be amazed
From time to time we come across things that absolutely amaze us. Here is one of these experiences that I will share with you. It's an amazing movie called 'Home'.
View the 2 minute trailer

Photographer, Yann Arthus-Bertrand's has always been fond of nature. He is a life-long environmental activist and photographer who set out to make his first feature film after seeing the impact of Al Gore's An Inconvenient Truth. "I saw how moved the audience was - to tears in some cases - and I said to myself that a feature film was an excellent way of reaching people," reports the Frenchman.

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Low interest rates - good and bad
Few of us realise just how low rates are these days and the effects, both good and bad they have on our lives.

Interest rates have been driven down to historically low levels (see chart below) to stimulate economic recovery.

Today's extremely low interest rates mean savers and retirees cannot earn sufficient interest income from quality bonds, but on the other hand encourage investment of all sorts, such as buying houses to take advantage of very low mortgage rates.

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Alzheimer's
We're proud to announce our recent $1,000 Alzheimer's donation thanks to the impressive response to our 2011 'Satisfaction Survey'.

Slowly, but surely we're moving closer to our $50,000 donation target in support of this very worthy cause, see http://my.e2rm.com/personalPage.aspx?registrationID=1253168

The urgent need to fight this debilitating disease is being recognized by governments and more of us every day.

Click here to read about the latest on how Obama plans to combat Alzheimer's

Last but not least we provide an informative link about the risks many of us face in suffering from Vascular Dementia. Risk factors include being older than 65, high blood pressure, heart disease and diabetes. Please learn more by clicking on the link below:


Anton's reading pick
Younger Next Year

Over the years I have had many wonderful interactions and discussions with my clients. Recently I was told about a book that one of my clients suggested would change my life, so I was intrigued. The book is 'Younger Next Year', which has been around a number of years, but not on my bookshelf.

I decided to read it and despite my lifelong belief in exercise it has had a profound effect on me. So much so that I have been swimming, cycling, jogging, weight and circuit training in twelve of the last 14 days, seriously.

Dr. Henry Lodge is an internal medicine specialist in New York City, and 70-year-old Chris Crowley is not only his patient, but together the two have written, "Younger Next Year: A Guide to Living Like 50 Until You're 80 and Beyond."

To encourage you to do the same and read this book, here is a 10 minute video with Chris Crowley as he describes what it's all about.

By Anton Tucker VP Business Development.
Anton's viewing pick
The Help

The Help is an emotional adaptation of Kathryn Stockett's 2009 novel. It is a powerful movie about middle class life in Jackson, Mississippi.

The film tells the story of black maids in the South in the midst of the civil rights movement, whose story had never been told before.

The film delivers a powerful message about behaviour, how we should act morally and towards other people, no matter who they might be. For all the domestic workers overlooked for years, this film is a victory. One maid said 'When Octavia won the Golden Globe, I felt like I had won the Golden Globe!'

It shows the ugly reality and insidious nature of racism in the 60's, but also the real love and friendship between the black help and the white children they raise.

This is a tender film about real emotions and a tough subject that is rarely discussed. It reminded me a lot about my upbringing in South Africa and goes a long way in making us stop and think more about dignity and compassion towards others.

Well worth watching..

By Anton Tucker VP Business Development.
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