April 2011 Newsletter
TriDelta Insight
New Address:
TriDelta Financial
2 Sheppard Ave. East, Ste.205
Toronto, Ontario, M2N 5Y7
Click here to visit our new Group Benefit Plans web page.
Do you know someone who has lost their job?
We can help them. Now is the time they need to develop their financial plan. Please have them contact us for a discussion.
Mortgage Highlights
5 Year Closed:   3.89%
5 Year Variable: 2.20%
Best Insurance

At TriDelta we offer Life Insurance, Critical Illness Insurance and Disability Insurance from virtually every provider in Canada. We also have the expertise to answer all of your questions and to build a plan that is right for your needs.

As with all clients, we ensure that your insurance solutions are not stand alone but integrated into your overall financial plan.

Click here for more information.

TriDelta Financial
Toronto: (416) 733-3292
Oakville: (905) 901-3429
Creemore: (705) 520-0093
Email: tedr@tridelta.ca
Visit us online
For more information about TriDelta Financial and our services please visit us online at www.tridelta.ca.
Dear reader,
Thanks for all the positive feedback, which has resulted in the introduction of a travel section. Have a read and see what Sir Richard Branson had to say about the topic.

We also discuss when to retire, the curse of Alzheimer's, investment markets, the disability tax credit as well as our popular book and movie picks.

We also bid farewell to Oprah Winfrey on May 25.

Please keep sending us your comments and suggestions.

Enjoy and be well,

TriDelta Financial

Travel - the world awaits
We have had numerous requests for travel ideas and destination reviews. As such we're talking to a few travel agents to uncover a few favourite unspoilt destinations and other travel tips, stay tuned.

We would however like to suggest an amazing, just released National Geographic book: 'The Worlds must-see destinations - 100 Journeys of a lifetime'. Sir Richard Branson had this to say in the forward;
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When should I retire?
I think we all know of people who retired, but then changed their mind.

What made them go back to work?

What lessons can it teach to those who are now thinking about retirement?

Many clients first come to us as they start to seriously consider retirement.

They have a general idea that they want to retire in 2 or 3 years, but are typically nervous about whether they can afford it and being bored.
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Our Health: Alzheimer's hits every 5 minutes
Alzheimer's disease, which is a progressive, degenerative disease of the brain causes thinking and memory to become seriously impaired.

It is estimated that almost 500,000 Canadians over 65 have Alzheimer's disease and related dementias.
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Investment review
The recent increased volatility, which shook commodity prices this week has slowed Canadian stock market growth to the point that we're now slightly negative on the year. Our outlook however remains positive and we continue to expect low double digit returns by year end.

JP Morgan also maintain a positive outlook on the US market and see the S&P 500 reaching 1475 by year end, a 10% increase.

We asked one of our investment managers to provide an review of markets recently:

April had a 730pt swing on the TSX during the month but only finished down 170pts. It was an interesting month but pales with the first week of May:
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Disability tax credit
Now that the tax deadline has passed and tax returns have been filed, many people take this time to review what other tax credits and deductions they may be eligible for that they could use on their next years return to increase their refund.

One of the most misunderstood and underused available tax credit is the Disability Tax Credit.
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Anton's Movie review
Country Strong

If the point of Country Strong was to prove that Gwyneth Paltrow can sing, then mission accomplished. Country Strong is a tragic tale of a superstar (Paltrow's Kelly Canter) who is drowning in the glitz and isolation of her success. Paired with Tim McGraw and a strong cast of cameo appearances, the movie is entertaining for it musical aspects.

The tragedy that unfolds is predictable and it is difficult to feel compassion for Paltrow's troubled character. Struggling artist meets success, and with it, succumbs to the temptations of stardom - alcohol abuse, self-indulgence and a downward spiral to destruction.

Was the movie captivating - not really, but was it well worth watching - most definitely for the talented cast of musical stars and great country music.
Anton's Book review
Sophie's World
By Osteen Gaarder

If you ever wanted to learn something about the most fundamental philosophical questions of the universe, this is the book to read. It is a novel about the history of Philosophy delivered through the story of Sophie, a teenage girl who comes home from school, finds a mysterious letter in her mailbox, and embarks on an incredible journey of philosophical discovery, from Socrates to Sartre and beyond.

Insights into the thinking of the greatest philosophers, woven into an intriguing story makes this a book that is hard to put down.

A great overview of the works of the masters without the need to pursue a PhD just to understand it all.