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February 2008 Issue:
RRSP tips
Market Wisdom
Find balance in your life
Today's smile
Current mortgage rates
Interest rates getting back near historic lows
Contact Information
Ted Rechtshaffen
President & CEO

Phone: (416) 733-3292
Email: tedr@tridelta.ca
Website:  www.tridelta.ca
TriDelta Mortgage Highlights
  • 5 Year Closed - 5.84%
  • 5 Year Variable - 5.15%
Rates are subject to change and
credit approval.
Strong Investment Returns with TriDelta Partners to Dec 31, 2007
1 Yr 3 Yr 5 Yr 7 Yr
Balanced: 4.1 10.5 12.0 9.1
Large Cap Eq: 3.3 12.9 14.4 10.8
Small Cap Eq: 1.0 12.3 14.9 9.7
To find out more about investing through TriDelta, please contact us.
Best Insurance Rates
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 a stand alone but are integrated into your overall financial plan.

To check out our rates, click here.
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New Oakville Office
156 Lakeshore Rd East
Suite 203
Oakville, Ontario
L6J 1H4

2008 has certainly started with a bang! The US continues to suffer the consequences of having easy credit for too long - and that has come to a sudden end as is the case with many economic cycles. But don't panic!

We believe 2008 will be a tough year, but foresee an improving second half and as usual continually search for opportunities. Winston Churchill put it this way: "The pessimist sees difficulty in every opportunity. The optimist sees the opportunity in every difficulty." We remain optimistic and convinced that we will look back and be thankful we never lost faith.

This month we have financial and other topics including a great article called How to Find Balance in a Busy World.

We hope our newsletter inspires you, and we look forward to working with you and your associates through many market cycles.

Kind regards,
Ted Rechtshaffen
RRSP tips
The 2007 RRSP contribution deadline is February 29, 2008. Not much time to waste. Planning for a secure and comfortable retirement take a certain amount of investment know-how and planning. Here are a few last minute tips to consider:

  1. Make a Contribution to Your RRSP
  2. Contribute to your RRSP until age 71
  3. Unused RRSP contribution room is carried forward
  4. Using spousal RRSPs to your advantage
  5. Consolidate your assets with one company
  6. The Importance of Proper Retirement Planning
  7. Where to Find Information on RRSP Contribution Amounts
  8. Claim the deduction later
  9. Catch up now.
  10. Pay down the mortgage or contribute to your RRSP?
[read the whole article]
Market Wisdom
By Bruce Campbell, President, Campbell and Lee Investment Management

January was a stomach churning month without a doubt. The Canadian stock market was down 13% at its worst and recovered to be down just under 5%. The S & P 500 was down 6.2%, the worst January since 1990. Nasdaq was down 9.9%, the worst start to a year ever. The US Federal Reserve made an emergency mid-meeting cut of .75% and did another .50% last week.        
These massive cuts soothed markets for now as it is apparent they are going to do what they can to prop up the economy. While earnings may decline for a quarter or two, a recessionary decline (i.e., 20-25%) is more unlikely now. Further monetary easing to sustain the expansion appears imminent although further cuts will not be at the same pace.

[read the whole article]
Find balance in your life
How To Find Balance in a Busy World by Jane Schnurr

We strongly believe in the pursuit of a well-balanced lifestyle and were fortunate to connect with Jane Schnurr who shares our passion and has made it her job to be a life coach (www.awesomecoaching.com). I hope you enjoy her article:

[15 Tips for Balance - Click Here]
Today's smile

Bob was a single guy living at home with his father and working in the family business. When he found out he was going to inherit a fortune when his sickly father died. He decided he needed a wife with which to share his fortune. One evening at an investment meeting he spotted the most beautiful woman he had ever seen. Her natural beauty took his breath away. 'I may look like just an ordinary man,' he said to her, 'but in just a few years, my father will die and I'll inherit 20 million dollars.' Impressed, the woman obtained his business card and three days later, she became his stepmother...women are so much better at estate planning than men.
Current mortgage rates

1 Year 5.95% 7.35%
2 Year 6.05% 7.50%
3 Year 6.05% 7.50%
4 Year 6.05% 7.34%
5 Year 5.84% 7.49%
7 Year 6.20% 7.80%
10 Year 6.25% 8.15%
Variable Rate Prime less.60% 5.75 (prime)
Interest rates getting back near historic lows
Average 5 year fixed residential rates:
  • Today: 5.84%
  • 2005: 5.26% (lowest since 1952)
  • 2003: 6.29%
  • 2001: 7.52%
  • 1998: 6.84%
  • 1995: 10.48%
  • 1990: 12.42%
  • 1987: 10.46%
  • 1984: 12.52%
  • 1982: 19.41% (rates peak)
  • 1977: 10.25%
  • 1972: 8.93%
  • 1967: 7.89%
  • 1962: 7.00%
  • 1957: 6.75%
  • 1952: 5.70%