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TriDelta Insight
May 2013
Contents
TriDelta Financial
Toronto: (416) 733-3292
Oakville: (905) 901-3429
Creemore: (705) 520-0093
Email: tedr@tridelta.ca
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Dear reader,
Our May newsletter is jam packed with a number of interesting articles.

We highlight the first article about our upcoming TriDelta Alzheimer's Gathering event on June 23, 2013. This is a great opportunity to plan a fun family day & support a worthy cause. Please read, register, and donate if you wish.

Enjoy and be well,

TriDelta Financial

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Your personal invitation to the TriDelta Alzheimer's Gathering - 23 June 2013
Save this date: June 23, 2013
Time: Registration opens at 10am
Venue: Erchless Estate / Lakeside Park on Navy Street, downtown Oakville

You're invited to our first annual 'TriDelta Alzheimer's Gathering' event, which will take place in the beautiful setting, beneath the huge Oak trees on the Erchless Estate and neighbouring Lakeside Park at the end of Navy street in Downtown Oakville.

Erchless Estate

We're hosting a family fun day full of activities and access to various historical sites including:
  • Anitra Schooner: Designed by Montye Macrae and built in Hamilton in 1926, the wooden schooner Anitra is known as the Queen of Ontario. Visitors will be welcomed aboard to discover the joys of sailing, racing & the Anitra's construction.
  • Erchless Estate: This four acre property includes the 1858 home of Oakville's founding family, The Chisholms, restored to its 1925 appearance.
  • Post Office: This little building served as Oakville's first post office from 1835 to 1856.
  • St Jude's Garden, Thomas House, the Oakville Armory and much more.
Please join us for this fun family day with our special guests - Oakville Seniors - and their families, but everyone is invited.

Our wonderful event partners include the Alzheimer's Society, Oakville Historical Society and Oakville Museums along with many generous volunteers.

Contact: Anton Tucker 905 901 3429 or Claire Corrie 905 845 4045 for additional information.

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Event
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Aging parents
Adult children don't want to think about it and, all too often, their parents don't want to talk about it, however every day, hundreds of thousands of Canadians are suddenly thrust into an unfamiliar world of caring for an aging parent because they have put off planning for the inevitable.

daughter with mother
Caring for aging parents can be overwhelming. When an elderly parent is no longer able to be fully independent or needs more help, how do you find out what you need to know to effectively care for them? Missteps due to lack of knowledge have long lasting, expensive, and even endangering consequences.

Continue reading...
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Divorce - keeping your piece of the pie
How in your divorce you can wind up losing one of your most important investments?

For most people in Ontario their home represents one of their largest and most important investments, yet most people might be
daughter with mother
surprised how the law treats the home on marriage breakdown.

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Cremation - Did You Know?
At TriDelta Financial we believe in life balance and planning, which requires addressing those 'not so pleasant' aspects along with the fun stuff. Our second article from Glen Oaks Memorial Gardens in Oakville looks at cremation, a choice that is increasingly popular in Canada.

Did you know that cremation has been used for thousands of years? Cremated remains have been discovered that date back more than 20,000 years. In fact, in some countries, such as England and Japan, cremation is the most widely used practice.

What's more, although the process may be similar worldwide, the rituals around cremation vary.

Continue reading...
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How Your Tax Bracket affects your Investment Decisions
Everyone is aware of their tax bracket. It affects us every spring when we calculate how much we have to pay to Ottawa and our provincial government. However, your tax bracket also has implications for your investment strategy. Here are a few items to consider.

Note: Examples below are based on 2013 tax rates/tax brackets using Ontario rates for the provincial portion.

  1. We have all been brought up to think that we should put away money in RRSPs and claim them on our annual tax filing. However, perhaps you should be investing in a TFSA instead. If you are in a lower tax bracket today, and expect to be in a higher tax bracket in a few years, invest first in a TFSA today and save your RRSP contribution deduction until you are in a higher tax bracket and your tax deduction will be worth more.


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Why we overprotect ourselves from the stock market
The price of safety in a low-rate world is high.

Even legendary investor Warren Buffet lamented recently the sad misfortune of those who parked their money in cash equivalents or fixed income investments, saying they have have missed the party over the past nine months as Wall Street rocketed to all-time highs.

"It is brutal. I don't know what I would do if I were in that position," Mr. Buffett said at Berkshire Hathaway's annual meeting in Nebraska. "I feel sorry for people that have clung to fixed-dollar investments."

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How to tell if a neighbourhood is improving
When you're looking for a new home, you want to find one in a great neighbourhood - or, at least, in a neighbourhood that is on the upswing. How can you tell if a particular area is improving?

neighbourhood
Here are some common indicators:
  • Pride of ownership. Take a walk around the neighbourhood. Do you get a sense that people take good care of their homes? Are the lawns mowed? Is the landscaping trimmed? Are flowers planted? Homeowners are more likely to look after their properties when they like where they are living.

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Claire's viewing pick
Love Is All You Need

I asked myself, "Italy, sun and my favourite Bond, Pierce Brosnan", how could this movie fail? Love is All You Need has just hit the Canadian theatres and while it's not in major distribution yet (I had to travel on the GO to the Varsity Cinema in Toronto to catch it), it is well worth seeking out this delightful flick.

Love is all you need
While the theme of 'the overworked executive falling in love with someone who causes him to re-examine life's priorities' has been used a few times before, this movie works better than most. Pierce Brosnan is as convincing in this role as he was as Bond and is perfectly cast opposite the relatively unknown Danish actress Trine Dyrholm. The setting for the movie is in both Denmark and Italy and the very occasional use of subtitles adds to its authenticity and makes it more real. Humour is abound, sometimes subtle and dark especially when the subject matter is a little more serious. Beautiful backdrops of a old Villa, lemon orchards and the Amalfi Coast are hard to beat as two families leave their busy lives for what should be a picture perfect wedding. While not all goes as planned the movie leaves the audience with the feeling that all has ended up as it should be. Ladies, drag your husbands or partners out to this one as I predict you will be holding hands on the way home.

By Claire Corrie - Director, Client Service.
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Claire's reading pick
A Thousand Splendid Suns
Khaled Hosseini

When I see the images of Afghan women fully covered in Burqas walking the streets of Kabul I am left to wonder about who they are as I am deprived of seeing their faces, the most telling part of our being that gives us a glimpse into the lives and soul of another human.

A thousand splendid suns
Are they happy, are they oppressed. One can't help but feel that I am not alone as a Western woman to think that this is not right, but then who am I to judge. That tremendous sense of curiosity caused me to read Khaled Hosseini new book, A Thousand Splendid Suns.

Like his former book, the Kite Runner, Khaled falls back on his roots and experiences to paint a vivid picture of what life was like for Afghan citizens during 33 years of rotating occupation, questionable governance, and suppressive regimes that has pushed a once proud and prosperous country into the dark ages.

Like the Kite Runner the book delves into the relationships between family and friends in a crumbling society where hope for a better life is tested frequently. The story is told through the eyes of two women who are caught in the ebb and flow of a changing culture, impacted by religious extremism and westernization.

Khaled is a masterful storyteller who has the capacity to heighten the emotional impact of events through eloquent prose. While the journey is not always pleasant it does enable the reader to see beyond the covered faces.

By Claire Corrie - Director, Client Service.
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