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March 2008 Issue:
What's Happening to the Stock Markets?
10 Tax Tips to Save You Money
What our client's are saying about us
TriDelta smile - It's all about perspective
Current mortgage rates
Contact Information
Ted Rechtshaffen
President & CEO

Phone: (416) 733-3292
Email: tedr@tridelta.ca
Website:  www.tridelta.ca
TriDelta Mortgage Highlights
  • 5 Year Closed - 5.79%
  • 5 Year Variable - 4.65%
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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It feels like winter will never end not to mention the gloom and doom of the stock market. The good news is that there is some sunshine ahead on both fronts. Find out by reading on.

Its also tax time, which means gathering information and crunching numbers most of us would rather avoid. Our newsletter might ease the pain by offering some worthwhile tips to save you money.

We also tell you some nice things that our clients are saying about us, along with great mortgage rates and some humour to lift your spirits. I hope you enjoy it.

Happy spring as of tomorrow.

Kind regards,
Ted Rechtshaffen
What's Happening to the Stock Markets?

The United States Federal Reserve Bank announced a further aggressive rate cut of .75% yesterday in its intensified battle against the US credit crisis and spreading economic weakness. The question is whether this will turn the tide.

Although there was no way of anticipating the extent of the US economic problems we (TriDelta Financial Partners) in
conjunction with our investment partners have long anticipated the troubled American market and declining US dollar. As a result we removed virtually all exposure to this market over the past couple of years, which significantly reduced portfolio risk and benefited our clients by avoiding the steep US stock market drop.

[read the whole article]
10 Tax Tips to Save You Money

It's tax time again and we would like to highlight a few things that may save you money:

  1. A new children’s fitness tax credit has been introduced...

  2. The last Federal Budget increased the age limit to 71 from 69 for RRSP’s...

  3. read the whole article...
What our client's are saying about us:

The 'proof is in the pudding' so they say. We agree with this thinking and decided to feature actual comments received from our clients:

"We first started working with Anton in TriDelta's Oakville office four years ago when my mother sold her home. We needed to make sure that the proceeds from the house sale were carefully handled so that she would have enough money to live comfortably in a senior's residence for many years to come.

We were very impressed and totally reassured by the way the TriDelta team weighed all the options for protecting mother's assets and in making sure that they also generated enough income to maintain her lifestyle.

Now, TriDelta is advising us on the management of my mother-in-law's assets as well. They've helped our son buy his first condo. And they're now advising my husband and me on our retirement savings and estate planning. With the exception of our dogs, I guess you could say our relationship with TriDelta has become a total family affair."

Michael & Nancy

"We moved our investments to Tri-Delta 18 months ago from a major chartered bank where we had dealt in excess of 30 years. Several factors played a role in this decision.

Firstly, we followed our Financial Advisor with whom we had developed a strong working relationship.

Secondly, we were looking for a broader menu of financial services than what the bank had to offer, for example, insurance, retirement and estate planning.

Finally, we were looking for a high level of expertise in these financial areas that the bank was unable to provide. To summarize, we are confident that our finances are in the qualified hands of financial professionals."

Dan & Catherine
TriDelta smile - It's all about perspective...

A Canadian investment banker vacationing in a small Mexican coastal village was strolling along the pier when a small boat docked. The fisherman had a small catch of tuna. The Canadian asked how long it took to catch them.

The Mexican replied, "Only a little while, senor."

The Canadian then asked why didn't he stay out longer and catch more fish to sell?

The fisherman replied that he had enough to support his family's needs.

The Canadian then asked, "But what do you do with the rest of your time?"

The fisherman said "I sleep late, fish a little, play with my children, take siesta with my wife Maria, stroll into the village each evening where I sip wine and play guitar with my amigos. I have a full and busy life."

The Canadian scoffed, "I am a Queens MBA and could help you. You should spend more time fishing and with the proceeds buy a bigger boat, and with the proceeds from the bigger boat you could buy several boats. Eventually you would have a fleet of fishing boats, so instead of selling your catch to a middleman, you would sell directly to the processor, and eventually open your own cannery. You would control the product, processing and distribution. You would need to leave this small coastal fishing village and move to Mexico City...then Toronto, and eventually NYC where you will run your expanding empire."

The Mexican fisherman asked "Then what?"

"You would be wealthy", the Canadian replied.

"And what then?"

The Canadian smiled and said "That's the best part. When the time is right, you would list your company on the stock exchange and become very, very rich."

"Yes, and then what, senor?"

The Canadian said, "Then you would retire. Move to a small coastal fishing village where you would sleep late, fish a little, play with your kids, take siestas with your wife, and in the evenings stroll to the village where you could sip wine and play your guitar with your amigos."
Current mortgage rates

1 Year 5.50% 7.05%
2 Year 5.50% 7.25%
3 Year 5.50% 7.30%
4 Year 6.05% 7.19%
5 Year 5.79% 7.29%
7 Year 6.20% 7.7%
10 Year 6.25% 8.05%
Variable Rate Prime less.60% 5.25 (prime)