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Category Archives: Zavitz Blog

Understanding Your Insurance Application

Ever wonder what the insurance application process is like? What will you need to do in order to apply for coverage? We’ve created a whiteboard animation video in order to help guide you through the steps. Enjoy!

Ho Ho Ho… The Good, Bad & Ugly

Terry Zavitz

Terry Zavitz

 

The holiday season is soon upon us, typically a time for family, friends and giving. While it is a “glorious time of the year”, it is easy to get caught up in the joy of giving to the point that the end of January is a miserable time. The reality of extra expenditures is apparent when the credit card bill comes in and the bank account is at a low point. You can avoid this ugly situation by taking a few simple steps:

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Insurance for the Risky Client

 

Samantha Way

Samantha Gowers

The process of applying for insurance isn’t always a fun one; there’s a lot of discussion, questions, fact checking, poking, prodding and signing. In the end, you’re usually happy the process is over and you can rest easy knowing you and your family are protected. But what happens when the insurance company just says “no”?

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How to Access Income During Retirement Seminar

Key topics discussed during our “How to Access Income During Retirement” seminar:

  • Retirement Income Planning
  • Accessing Corporate Holdings
  • Government Social Programs
  • Tax Implications
  • Unique Strategies to Minimize Tax

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To Consolidate or Not to Consolidate?…That is the Common Question

Justine Zavitz

Justine Zavitz

Student loans are an inevitability for many. Especially when pursuing multiple degrees like a medical, dental, business or law degree. Luckily, in these types of programs the banks tend to be quite generous with providing lines of credit to help. However some of you will also qualify for OSAP or other provincial government loans.

During school, OSAP does not require interest payments on the debt. For this reason, it is preferable to use as much OSAP as they will give you before tapping into the bank lines of credit. However, after training OSAP will ask for repayment on the loans and interest starts to accumulate at the same time. The question I commonly get is – should I consolidate my OSAP onto my line of credit or keep it separate?

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