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2012



04/12 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Changes to the Canada Pension Plan
   
"The Government of Canada will gradually introduce changes to the Canadian Pension Plan (CPP) from 2011- 2016. Before the changes, your CPP retirement pension increased by 0.5% for each month after age 65 (and up to age 70) that you delayed receiving it .."

2012



04/12 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Common Law Reasonable Notice – How much notice is good enough?
   
"A recent decision issued by the Ontario Court of Appeal appears to have raised the cost of terminating employees. The Court of Appeal recently reviewed the case of DiTomaso v. Crown Metal Packing Canada LP. Mr. DiTomaso had been employed with Crown Metal Packing for 33 years as a mechanic and press maintainer .."

2012



04/12 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Should I contribute to an RRSP, a TFSA or both?
   
"The question on many people’s minds, especially at this time of year, is whether they should contribute to a Tax Free Savings Account (TFSA), an RRSP, or possibly even both? With either of these options, there are tax implications, so it’s important to understand how your total savings will be affected .."

2012



04/12 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Why Exercise You Ask?
   
"Only about 35% of Canadians get enough regular physical activity – more surprising is that 65% are not active enough to maintain their heart health. Regular physical activity will not only help you maintain a healthy body weight but will also reduce your risk of conditions .."
 
2010



12/10- W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Quebec to lower generic drug prices
   
"The Quebec government has announced a plan to gradually decrease generic drug prices to 25 per cent of the equivalent brand-name drug price over the next two years. The government announced details of the plan on Nov. 5, 2010, following discussions with the pharmaceutical industry .."

 
2009



10/09- W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Harmonized Sales Tax
   
".. How will HST impact employee benefit plans? It is uncertain how the new HST will impact employee benefit plans.  Currently: BC’s provincial sales tax of 7% does not apply to employee benefit plans. Ontario’s provincial sales tax of 8% does apply to employee benefit plans .."

2008



01/08 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.     
Pension Income Splitting
   
".. What is pension income splitting?  Canadian residents will be able to allocate up to one-half of their income that qualifies for the existing pension income tax credit to their resident spouse or common-law partner) for income tax .."

2007



11/07 -W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
Looking For Another Tax-Efficient Way To Invest?
   
".. There may be an opportunity within your life insurance program. If you’re looking for an opportunity to shelter
more of your investments from tax, your life insurance program might be the answer. Here's why .."



10/07 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
Why do we need Critical Illness Insurance?
   
".. Due to healthier lifestyles and advances in medical science the average Canadian is living longer which results
in a greater number surviving a critical illness.  Those who survive a critical illness may not be able .."



08/07 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
Proposed Enhancements to the RESP Program
   
".. The recent federal budget has proposed several enhancements to Registered Education Savings Plans (RESPs)
and the Canada Education Savings Grant (CES Grant) program to help you grow an education .."



06/07 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
“Successing Your Business”
   
".. In the next 10 years, 66% of all small-business owners in Canada expect to retire.  But, if other stats stand,
it’s likely few who are business owners have a succession plan. A 2006 Canadian Federation of .."



06/07 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
Blended Families Create Estate Challenges
   
".. Blended families are becoming increasingly common with the marriage or common-law relationship of partners
with children from previous relationships.  This new situation brings complexities to your estate .."



02/07 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
Cancer in the Workplace
   
".. Last year, the Canadian Cancer Society predicted an oncoming “cancer crisis” prompted by a cancer rate
that is growing twice as fast as the country’s population.  In 2005, that meant almost 150,000 .."
 
2006



07/06 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.   
An Employee Assistance Program (EAP) is a Powerful Tool that can Help Workers through
Difficult Times
   
".. The holiday season is quickly approaching and for most it is a happy time spent with family and friends.
Yet for others, it can be a stressful time and for others a time of severe depression. There are some .."



07/06 - W. Michael Thomas, CFP, CLU, GBA, RPA, CH.F.C., R.F.P.  
 The Federal Government Announced an Expansion of the Compassionate Care Benefit Program
   
".. The EI Compassionate Care program provides a temporary absence from work without suffering income or
job loss, to EI eligible workers, to provide care or support to a person who is at significant risk  .."
   
2004



09/97 - Government Tables Final CPP Legislation   
Federal Legislation on Compassionate Leave Under E.I.
   
".. As outlined in the 2003 federal budget, Bill C-28 amends the Employment Insurance Act and the Canada
Labour Code to provide for compassionate leave. The legislation is proposed to come into effect .."

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