Festive Season 2010 Newsletter
TriDelta Insight
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Mortgage Highlights
5 Year Closed:   3.59%
5 Year Variable: 2.25%
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TriDelta Financial
Toronto: (416) 733-3292
Oakville: (905) 901-3429
Creemore: (705) 520-0093
Email: tedr@tridelta.ca
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For more information about TriDelta Financial and our services please visit us online at www.tridelta.ca.
Dear reader,
I have always cherished the last few weeks of each year as I ponder all the things I am about to leave behind. I savor the good and bid farewell to the not-so-good.

I also take the time to plan how best to improve my life, those around me and make positive contributions to our world no matter how small.

As you hopefully do the same please enjoy our year end issue, which includes a number of articles that will help you prepare for the year ahead. We include our market outlook, tax saving ideas, information on new CPP changes, the need for life planning, great reading ideas and more.

Enjoy and be well.

Happy holidays,

TriDelta Financial

Quotes for the Holidays
TriDelta Financial has a bit of an annual tradition of Holiday quotes, and this year we thought we would narrow it down to three. One each to cover off Health, Wealth, and Happiness. We hope you like them.

In health there is freedom. Health is the first of all liberties.
Henri Frederic Amiel (Swiss writer from the 1800's)
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2011 investment outlook
Stock market update
Global recovery is underway and we believe the good news for investors will be positive returns in a relatively slow growth environment. This should provide less volatility than the past couple of years and a market where collecting dividends and interest will be rewarded. This should soothe a lot of nerves and bring money from the sidelines back into equity markets.
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A year-end tax "to do" list
A year-end tax 'to do' list
For most Canadians, December means holiday celebrations and school vacations. In the tax world, however, December 31 marks the deadline by which most tax planning and saving strategies must be put in place in order to have an impact on one's tax liability for the 2010 tax year. What follows is a list of tax "to do's" that must be accomplished by the end of the calendar year - and a few more that can wait until sometime in the first quarter of 2011.
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CPP Changes in effect
On December 15, 2009, several changes to the Canadian Pension Plan (CPP) became law with the passing of Bill C-51. Changes include:
  • Pension adjustments for early and late CPP take-up
  • Removal of the work cessation test
  • Mandating plan participation for working beneficiaries under age 65
  • Enhancing the general drop-out provision.
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Boomers - How Do You Feel About the R- Word?
Stock market update
Boomers - how do you feel about retirement? Looking forward to it or perhaps not quite sure? More than half of Canadians (57%) feel there is no appropriate age to retire (according to an RBC poll last fall). And nearly one third of Canadians proclaim they will never retire. What about you? What does that "R" word mean to you?
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When will I die?
We thought you would enjoy this very quick and easy life span calculator compliments of 'Canadian Business Online', which if nothing else will shift your focus and make your aware of the approximate number of years you have to live.
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Great reading & gift ideas
Stock market update
There is nothing better than giving the gift of reading to those special people on your Christmas list.
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