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Immigration Misc Notes

check out comments for additional links for info

https://www.theepochtimes.com/ottawa-makes-16-new-jobs-eligible-for-permanent-residence_4869891.html

https://www.canada.ca/en/immigration-refugees-citizenship/news/2022/11/solving-labour-shortages-in-key-sectors-like-health-care-construction-and-transportation-workers-from-16-new-occupations-now-eligible-for-permanent.html

Foreign nationals with work experience in the following 16 occupations are now eligible to apply through Express Entry:

payroll administrators
dental assistants and dental laboratory assistants
nurse aides, orderlies and patient service associates
pharmacy technical assistants and pharmacy assistants
elementary and secondary school teacher assistants
sheriffs and bailiffs
correctional service officers
by-law enforcement and other regulatory officers
estheticians, electrologists and related occupations
residential and commercial installers and servicers
pest controllers and fumigators
other repairers and servicers
transport truck drivers
bus drivers, subway operators and other transit operators
heavy equipment operators
aircraft assemblers and aircraft assembly inspectors

Read more…

Low Income Top Up Benefit

https://www.canada.ca/en/services/taxes/child-and-family-benefits/top-up-canada-housing-benefit.html

The government is proposing a one-time payment to help low-income renters. If legislation passes as drafted, this benefit would be available to renters who:

  • have an adjusted net income for 2021 of $35,000 or less for families, or $20,000 or less for individuals
  • pay at least 30 per cent of their adjusted net income on rent for their own principal residence in Canada

 

 

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Pine Needle Tea #HerbalMoments #ImprovingFutures

Pine needles , tea good for you , warning not if your pregnant 

 

https://www.forestholidays.co.uk/forestipedia/10-reasons-you-should-be-drinking-pine-needle-tea/#:~:text=Pine%20needle%20tea%20also%20contains,also%20good%20for%20sore%20throats

What’s so good about pine needle tea?

  1. Pine needle tea has a pleasant taste and smell (always a good start).
  2. It is rich in vitamin C (5 times the concentration of vitamin C found in lemons) and can bring relief to conditions such as heart disease, varicose veins, skin complaints and fatigue.
  3. Vitamin C is also an immune system booster which means that pine needle tea can help to fight illness and infections.
  4. Pine needle tea also contains high levels of Vitamin A, which is good for your eyesight, improves hair and skin regeneration and improves red blood cell production.
  5. It can be used as an expectorant for coughs and to help relieve chest congestion; it is also good for sore throats.
  6. It brings you clarity and mental clearness.
  7. It can help with depression, obesity, allergies and high blood pressure.
  8. Pine needles contain antioxidants. These reduce free radicals, which are harmful to humans and can cause disease.
  9. Taoist priests drank pine needle tea as they believed it made them live longer. There is researched evidence that pine needle tea can help to slow the ageing process.
  10. Pick some pine needles and let them soak in boiling water on your stove and it will add a crisp pine smell all over the house. Perfect for Christmas.
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Education Tax Credit

https://www.knowledgebureau.com/index.php/site/kbr/canada-training-credit-learn-risk-free-and-with-tax-assistance

 

Good idea to take course from quailfying institution, must be over $100, pikcup the tax benefits and your professional development. 

 

"Investing time and money into new Specialized Credentials or continuing professional develop is an important undertaking and you want to make the most of both. That’s why you’ll want to learn more about the tuition fee amount and the Canada Training Credit (CTC) as potential tax assistance when you take a course."

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It's Too Expensive

This brings me to a myth I hear all the time about insurance.

"It's too expensive."

No, it is not.

Here's what an insurance policy does for your clients:

1. It diversifies their wealth. This might be the only remaining free lunch out there.

2. It optimizes their wealth by reducing long-term taxes, as insurance policies are tax-exempt.

3. It shifts risk away from families at a low cost to someone willing to take on that risk.

4. It makes the estate planning process easier for your beneficiaries. Life insurance policies pay out expediently to the heirs, bypassing the estating process, which means less hassle and faster money.

These are all enormous benefits to our clients.

"If you present insurance positively and showcase its benefits, you will find clients will stop seeing insurance as a cost and treat it as an asset. It is well priced and has massive value for my family. "

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Retirement Centre - Dynamic Resources

Some excellent resources from Dynamic, click on the links below for some great information ~ Tim

 

Re-envision your retirement.


It’s no secret that the road to building a comfortable retirement has become much more difficult over the last few decades. In today’s economic environment, retirees will have to adjust their retirement planning to meet a number of evolving challenges.
Dynamic's Retirement Income Centre is designed to provide a road map to retirement insights, investing strategies and new perspectives on helping retirees, and those on the cusp, create sustainable cash flow to meet today's retirement realities head on.
Learn more

 

https://dynamic.ca/en/insights/planning-and-strategies/retirement-centre.html

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Market Perspectives

Some great links provided by CI Global Investments

 

Stick to Your Plan
Most stock market gains are achieved shortly after a bear
market

This chart shows how major indices performed from the bottom of the 08/09 Financial Crises, March 9, 2009, over the next 3+ years. You
can see once a bottom had been reached the market reacts swiftly and positively. It’s important to stick to the plan you and your advisor
have designed as leaving the market could cause you to miss out on large gains.
Missing out on large gains makes it very difficult to break-even and achieve the long-term return required to meet your financial goals.

https://ci-arena.ci.com/od/48cf0671

 

Downside Volatility is Normal

https://ci-arena.ci.com/od/956a449d

 

Historical Bull Markets Versus Bear Markets
75+ Years of the S&P 500 Index Expansions & Downturns

https://ci-arena.ci.com/od/2dae830d

 

Resist the Urge to Time the Market
The best and worst trading days happen close together:

https://ci-arena.ci.com/od/bb0dfeb6

 

The case for diversification

It is nearly impossible to predict what class will generate the highest returns in any given year. Investors benefit from
diversification and reduce their risk by allocating to a variety of asset classes. A strong financial plan will incorporate
investments into different asset classes that react differently to ensure investors reduce their overall risk.

https://ci-arena.ci.com/od/d3b35525

 

Trust in the plan you and your advisor created
Don’t let emotions take over: staying invested leads to better
performance

https://ci-arena.ci.com/od/fea210a9

 

Read more…