tag:blogger.com,1999:blog-35753124312873229442024-03-20T02:49:20.179-07:00Guiding You to Financial SuccessAnonymoushttp://www.blogger.com/profile/06908133347059047327noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-3575312431287322944.post-41218304085572926572018-04-23T06:48:00.002-07:002018-04-23T06:48:38.221-07:00Tax Free Savings Account<!--[if !mso]>
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<w:LsdException Locked="false" Priority="51"
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mso-tstyle-colband-size:0;
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mso-para-margin-right:0cm;
mso-para-margin-bottom:8.0pt;
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mso-bidi-theme-font:minor-bidi;
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<![endif]--><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1027"/>
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<o:shapelayout v:ext="edit">
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<br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Now that
RRSP season is officially over, I want to write about the Tax-Free Savings
Account (TFSA). This account is one topic that I discuss with pretty much
everyone I meet, as it can have a huge financial impact especially at
retirement. Unfortunately, some investors are not aware how to maximize
the tax savings potential. I will explain this in a moment, but first I
want to explain how a TFSA works.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">When you
contribute to a TFSA it differs from a RRSP as you do not receive a tax receipt
for the contribution, you do not claim it on your taxes, and you do not get a
tax refund. The money initially invested is with after tax dollars (no
tax savings there). <b>The tax savings is in the growth</b>. </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Below,
you will find a quick comparison chart between RRSP and TFSA:</span></div>
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<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.8pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<br /></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
TFSAs<br />
<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
RRSPs</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.8pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Contributions<br />
<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Not tax-deductible</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Tax Deductible</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.8pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Withdrawals</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Tax-free - Withdrawals are added to contribution
room effective the following year</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Taxed – Withdrawals are not added to contribution
room</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.8pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Earned Income Requirement for Contribution Room<br />
<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Contribution room is not based on earned income.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Contribution room is based on earned income.</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.8pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
Age Requirement for Conversion/Collapse</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"><br />
There are no conversion requirements for TFSAs.</span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 155.85pt;" valign="top" width="208">
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">A RRSP must be converted to a Registered
Retirement Income Fund (RRIF) or annuity at age 71.</span></div>
</td>
</tr>
</tbody></table>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Any
withdrawals from a TFSA will not only be tax-free but will also not interfere
with any government income-tested benefits and credits you may be
receiving. </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">In order
to maximize the tax savings, you should</span><span style="font-family: ""symbol"",serif; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">:</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">invest this account to
achieve the most growth </span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt;"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">and you should also give it
time for the growth to accumulate. </span></li>
</ul>
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<span style="font-family: "Times New Roman",serif; font-size: 9.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"> Source:
getsmarteraboutyourmoney.ca</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Above you
will find TFSA illustration of an initial contribution if $5,500.00 plus your
yearly contribution of $5,500.00 earning an annualized interest rate of
5%. The result will be a TFSA worth $199,031.57 after 20 years! The
growth on this investment is <b><span style="color: #ed7d31;">$83,531.57</span></b></span></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Alternatively,
an investment earning <b><span style="color: #ed7d31;">1%</span></b> per year
would be worth <b><span style="color: #ed7d31;">$127,875.87 </span></b><span style="color: black;">with growth of </span><b><span style="color: #ed7d31;">$12,375.87.</span></b></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">If you
don’t have a TFSA now, then open one and start contributing today. Don’t
put it off because you feel you don’t have a large amount of money to
invest. Set up an automatic contribution either monthly or per pay
period, and it will surprise you how it will build up over time. Trust
me, you’ll be glad you did!</span></div>
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<br /></div>
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<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">********************</span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Gilda
Saunders is a Certified Financial Planner professional at Credential Financial
Strategies Inc. She can be located at: </span></div>
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #404040; font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">2 Herald Ave. Millbrook Mall </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #404040; font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Corner Brook, NL A2H 4B5 </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="color: #404040; font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"> 709-634-0405<br />
709-632-9427 </span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<a href="mailto:gsaunders@credential.com"><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">gsaunders@credential.com</span></a></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Arial",sans-serif; font-size: 7.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;">Credential
Financial Strategies Inc. offers financial planning, life insurance and
investments to members of credit unions and their communities. Mutual funds are
offered through Credential Asset Management Inc. The information contained in
this report was obtained from sources believed to be reliable; however, we
cannot guarantee that it is accurate or complete. This report is provided as a
general source of information and should not be considered personal advice or a
solicitation to buy or sell any mutual funds. Please speak to your Credential
Financial Strategies Representative or personal financial representative before
making any financial planning decision or implementing any strategy.</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-CA;"></span></div>
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Anonymoushttp://www.blogger.com/profile/06908133347059047327noreply@blogger.com0tag:blogger.com,1999:blog-3575312431287322944.post-14831065675937548742018-02-16T05:08:00.002-08:002018-02-16T05:08:47.143-08:00Market Volatility<br />
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<span lang="EN-US"><span style="font-family: "cambria";">For long-term investors, investing in the
stock market provides a rollercoaster of emotions in which the ride is not
always smooth. <span style="mso-spacerun: yes;"> </span>Market corrections are a
normal occurrence but are not easy to predict.<span style="mso-spacerun: yes;">
</span>The important thing is to recognize when it occurs and to try not to let it
dictate how you respond.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<br />
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<span lang="EN-US"><span style="font-family: "cambria";">As mentioned in my last blog, having a
trusted advisor helps investors through these times and will keep you focused
on the long-term growth potential of the investment not the short-term
fluctuations.<span style="mso-spacerun: yes;"> </span>Investors that don’t have guidance
allow emotions to dictate how they invest.<span style="mso-spacerun: yes;">
</span>When markets are strong and portfolio returns are high, it’s easy to
jump in and sometimes take on more risk than you really should.<span style="mso-spacerun: yes;"> </span>When markets are correcting, the fear kicks
in sometimes resulting in decisions to sell these investments at a loss.<span style="mso-spacerun: yes;"> </span>So, the end result in this instance is buying
high and selling low which is opposite to the optimal scenario which is to buy
low and sell high.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<br />
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<span style="font-family: "cambria";"><span lang="EN-US" style="color: #555555; font-size: 11pt;">Watching markets go up and down can be trying at the best
of times… However if you stay focused on the long term, you will be rewarded,
for example a $10,000 investment at the end of October 1998 would translate
into $41,483, or an annualized return of 7.7% at the end of December 2017.*</span><span lang="EN-US" style="font-size: 11pt;"><o:p></o:p></span></span></div>
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-XyyUavgz6Dr6ZQ2sHHuIyujlCGVQJQlbEK37l3UwKG5a8tsWheI9g8KJLs1A-3W5SNUG-jb03gzNTYud9BuSivLzVsCtmt9aGqLGcktp_OB_dJgw2H9kgrYKXxAVmum3ygFm0D5KKSA/s1600/emotions.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="438" data-original-width="836" height="207" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj-XyyUavgz6Dr6ZQ2sHHuIyujlCGVQJQlbEK37l3UwKG5a8tsWheI9g8KJLs1A-3W5SNUG-jb03gzNTYud9BuSivLzVsCtmt9aGqLGcktp_OB_dJgw2H9kgrYKXxAVmum3ygFm0D5KKSA/s400/emotions.png" width="400" /></a></div>
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<span lang="EN-US"><span style="font-family: "cambria";"><span style="mso-tab-count: 2;"> </span><o:p></o:p></span></span></div>
<span lang="EN-US" style="color: #555555; font-size: 8pt;"><span style="font-family: "cambria";">Weekly results from the S&P/TSX Composite Total Return
Index. Sources: Bloomberg, Morningstar Direct and AGF Investments Inc. Data to
December 31, 2017. The information provided is for illustrative purposes only
and is not meant to provide investment advice. You cannot invest directly in an
index.<br />
* Annualized return for S&P/TSX Composite Total Return Index. Source:
Morningstar Direct. Data to December 31, 2017. This information is for
illustrative purposes only. Past returns are not indicative of future results.<o:p></o:p></span></span><br />
<br />
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<span lang="EN-US"><span style="font-family: "cambria";">I’ve included a diagram below which shows the
length of bull vs bear markets.<span style="mso-spacerun: yes;"> </span>For the
novice investor; a</span></span><span class="tgc"><span lang="EN-US" style="color: #222222; mso-bidi-font-family: Arial;"><span style="font-family: "cambria";">ccording
to Investopedia, the use of "<span style="mso-bidi-font-weight: bold;">bull</span>"
and "bear" to describe <span style="mso-bidi-font-weight: bold;">markets</span>
comes from the way the animals attack their opponents. A <b>bull</b> thrusts
its horns up into the air, while a <b style="mso-bidi-font-weight: normal;">bear</b>
swipes its paws downward. These actions are metaphors for the movement of a <b>market</b>.
If the trend is up, it's a <b>bull market</b></span></span></span><span class="tgc"><span lang="EN-US" style="color: #222222; font-family: "arial" , sans-serif;">, </span></span><span style="font-family: "cambria";"><span class="tgc"><span lang="EN-US" style="color: #222222; mso-bidi-font-family: Arial;">while
downward trends indicate a “<b style="mso-bidi-font-weight: normal;">bear
market”.<span style="mso-spacerun: yes;"> </span></b>If you notice in</span></span><span lang="EN-US"> this diagram, the bull markets are much longer and stronger then bear
markets.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizlTj-WMJsqqarrQGQj-biWT15SxubYRBPnQX-lk6Vlo9dc9Z7ROjqNkTbIMqZSkZ-9XaFguGxtIfNZhmlW5ED8dVf2GGuGiW_R1dAq300ej-1qvbsBiGA8eBbHBg6il2Ajg09b8HNlQM/s1600/Bear.Bull.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="555" data-original-width="995" height="356" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEizlTj-WMJsqqarrQGQj-biWT15SxubYRBPnQX-lk6Vlo9dc9Z7ROjqNkTbIMqZSkZ-9XaFguGxtIfNZhmlW5ED8dVf2GGuGiW_R1dAq300ej-1qvbsBiGA8eBbHBg6il2Ajg09b8HNlQM/s640/Bear.Bull.jpg" width="640" /></a></div>
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<span lang="EN-US"><span style="font-family: "cambria";">When markets are turbulent, temptation to
move to cash is on the back of some investor’s minds.<span style="mso-spacerun: yes;"> </span>However, perfect timing is pretty much
impossible to pinpoint; when to go to cash, and most importantly when to get
back in. <span style="mso-spacerun: yes;"> </span>Generally, when the markets have
had a correction the rebound thereafter can be significant.<span style="mso-spacerun: yes;"> </span>So, if you’ve made the decision to come out of
the market, it will be likely that you would miss out on the best weeks.<span style="mso-spacerun: yes;"> </span>Below you will see the cost of missing out on
just a few of the best weeks in the market, vs staying invested.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvaOeCtehgHdmqXXX6uB0g3TQ0LX8qXX4nTNemvVW_qnXwRbxmjGdFx_wHkPdk4s8-VIx23pFJ01HJYEBlELqwGVqYYNLl5FhzMS1JoQboQZ9mnAT1m2lq9r9hT8KaZKVlNmQuYradA48/s1600/Best+weeks+in+market.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="542" data-original-width="1030" height="336" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvaOeCtehgHdmqXXX6uB0g3TQ0LX8qXX4nTNemvVW_qnXwRbxmjGdFx_wHkPdk4s8-VIx23pFJ01HJYEBlELqwGVqYYNLl5FhzMS1JoQboQZ9mnAT1m2lq9r9hT8KaZKVlNmQuYradA48/s640/Best+weeks+in+market.png" width="640" /></a></div>
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<span lang="EN-US"><o:p><span style="font-family: "cambria";"> </span></o:p></span></div>
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<span lang="EN-US"><span style="font-family: "cambria";">Keep this in mind as this volatility
continues (or not), stay calm and ride the Bear.<span style="mso-spacerun: yes;"> </span>The Bull will also be down the road, and you
don’t want to miss out on that!<span style="mso-spacerun: yes;"> </span>Remember
investing is a marathon not a sprint.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<br />
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<span lang="EN-US"><o:p><span style="font-family: "cambria";"> </span></o:p></span></div>
<br />
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<span lang="EN-US"><span style="font-family: "cambria";"><span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;">
</span>*<span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;"> </span>* <span style="mso-spacerun: yes;"> </span>*<span style="mso-spacerun: yes;">
</span>*<span style="mso-spacerun: yes;"> </span>*<o:p></o:p></span></span></div>
<br />
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<span lang="EN-US"><o:p><span style="font-family: "cambria";"> </span></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0cm 0cm 0pt -0.25pt;">
<span lang="EN-US"><span style="font-family: "cambria";">Gilda Saunders
is a Certified Financial Planner with Credential Financial Strategies Inc.<span style="mso-spacerun: yes;"> </span>She can be located at: <o:p></o:p></span></span></div>
<br />
<div align="center" class="MsoNormal" style="line-height: 107%; margin: 0cm 0cm 0pt 1.55pt; text-align: center;">
<span style="font-family: "cambria";"><span lang="EN-US" style="color: #404040;">2 Herald Ave.
Millbrook Mall </span></span></div>
<div align="center" class="MsoNormal" style="line-height: 107%; margin: 0cm 0.25pt 0pt 1.55pt; text-align: center;">
<span style="font-family: "cambria";"><span lang="EN-US" style="color: #404040;">Corner Brook, NL A2H
4B5 </span></span><span style="font-family: "cambria";"><span lang="EN-US" style="color: #404040;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US"><o:p></o:p></span></span></div>
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<span style="font-family: "cambria";"><span lang="EN-US" style="color: #404040;"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">709-634-0405<a href="https://www.blogger.com/blogger.g?blogID=3575312431287322944#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-634-0405"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-634-0405" /></a></span> </span></span></div>
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<span style="font-family: "cambria";"><span lang="EN-US" style="color: #404040;"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">709-632-9427<a href="https://www.blogger.com/blogger.g?blogID=3575312431287322944#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-632-9427"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-632-9427" /></a></span> </span></span></div>
<h1 style="margin: 0cm 0cm 0pt 1pt;">
<span style="font-size: small;"><span style="color: #404040;"><span style="font-family: "calibri";"><em> <a href="mailto:gsaunders@credential.com">gsaunders@credential.com</a></em><span style="font-style: normal; font-weight: normal;">
</span><o:p></o:p></span></span></span></h1>
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<span style="font-family: "verdana" , sans-serif; font-size: 9pt;">Credential Financial
Strategies Inc. offers financial planning, life insurance and investments to
members of credit unions and their communities. Mutual funds are offered
through Credential Asset Management Inc. The information contained in this
report was obtained from sources believed to be reliable; however, we cannot
guarantee that it is accurate or complete. This report is provided as a general
source of information and should not be considered personal advice or a solicitation
to buy or sell any mutual funds. Please speak to your Credential Financial
Strategies Representative or personal financial representative before making
any financial planning decision or implementing any strategy.</span><span lang="EN-US" style="font-size: 9pt;"><o:p></o:p></span></div>
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<span lang="EN-US"><o:p><span style="font-family: "cambria";"> </span></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/06908133347059047327noreply@blogger.com0tag:blogger.com,1999:blog-3575312431287322944.post-81222733683327375112018-01-22T07:00:00.000-08:002018-01-22T07:00:04.298-08:00Welcome to 2018<a href="https://draft.blogger.com/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><span style="font-family: "calibri";">Happy New Year!</span><br />
<span style="font-family: "calibri";"><o:p></o:p></span><br />
<a href="https://draft.blogger.com/" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><span style="font-family: "calibri";">Now the new year is finally here, many now have New Year’s
Resolutions.<span style="mso-spacerun: yes;"> </span>Could be joining the gym,
eating differently, spending more time with family & friends.<span style="mso-spacerun: yes;"> </span>One resolution that should be on your list, is
to be more aware of your financial health.<span style="mso-spacerun: yes;">
</span>Seeking a Certified Financial Planner (CFP) to help with investing,
managing taxes, and protecting your family would certainly be worth your time.<span style="mso-spacerun: yes;"> </span>A Financial Planner can help prevent you from
being blindsided by risks, avoid making big mistakes, help you understand your
options and confront realities about your financial situation.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span><br />
<br />
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2gcnWP4Y73voYL_Y7L7miSxz52JakLdVDgu1hiwWKMNvxMjqYl9DVs_DswMOb-TAhg5xJE5DYPrgclXA50ZtAa9KLsBdYIX-04SDEwnIVBr7RLMTOCiaAxudmiLESlR8ZEVET6OBjke8/s1600/Blog+pic.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="180" data-original-width="611" height="117" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2gcnWP4Y73voYL_Y7L7miSxz52JakLdVDgu1hiwWKMNvxMjqYl9DVs_DswMOb-TAhg5xJE5DYPrgclXA50ZtAa9KLsBdYIX-04SDEwnIVBr7RLMTOCiaAxudmiLESlR8ZEVET6OBjke8/s400/Blog+pic.png" width="400" /></a></div>
<o:p><span style="font-family: "calibri";"> </span></o:p><span style="font-size: 9pt; line-height: 107%;"><span style="font-family: "calibri";">source:
Fidelity Investments<o:p></o:p></span></span></div>
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<span style="font-family: "calibri";">Below you will find three ways a Financial Planner can add
value:</span></div>
<div class="MsoListParagraph" style="margin: 0cm 0cm 8pt 36pt; mso-list: l0 level1 lfo1; text-indent: -18pt;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">1.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Investment guidance</span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 8pt;">
<span style="font-family: "calibri";">Seems like the markets are constantly in the news.<span style="mso-spacerun: yes;"> </span>The decision to invest becomes easy when the
headlines scream of record highs.<span style="mso-spacerun: yes;"> </span>However,
the majority of investors underperform the stock market’s performance, largely because
of poor timing.<span style="mso-spacerun: yes;"> </span>When markets are high,
greed kicks in and investors tend to go “all in” sometimes taking risks they
would not normally take.<span style="mso-spacerun: yes;"> </span>Alternatively,
when markets turn volatile, fear kicks in resulting in investors selling their
investments. <span style="mso-spacerun: yes;"> </span>Having an experienced Financial
Planner will not only help you place your money in investments that match your
objectives and risk tolerance, but also helps keep you focused during market
volatility.<o:p></o:p></span></div>
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<o:p><span style="font-family: "calibri";"> </span></o:p><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">2.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Navigating the tax rules<o:p></o:p></span></div>
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<span style="font-family: "calibri";">Today more then ever, there seems to be so many Financial
Acronyms; RSP, RIF, LIRA, LIF, TFSA, RDSP, RESP just to name a few.<span style="mso-spacerun: yes;"> </span>Each of these accounts have different
objectives, and are subject to different tax rules and regulations.<span style="mso-spacerun: yes;"> </span>A Financial Planner can help navigate you
through this alphabet soup, and give you direction on which of these account
types would best suit your individual situation.<span style="mso-spacerun: yes;"> </span>Having a strategy to invest your money and
how to manage the withdrawals can potentially reduce the taxes you have to pay
overall.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">3.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Financial Planning for life<o:p></o:p></span><br />
<br />
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<span style="font-family: "calibri";">Having a Financial Planner can not only create a plan to
look at your investments, but also to ensure that you and your family are
protected against unexpected events.<span style="mso-spacerun: yes;">
</span>Health issues are a common cause of disability and/or early retirement. <span style="mso-spacerun: yes;"> </span>Not having protection can derail any plans you
have in place, and could cause financial devastation.<span style="mso-spacerun: yes;"> </span>According to the Canadian Life & Health
Insurance Association Inc. (CLHIA), 1 in 3 employees on average will be
disabled for 90 days or more at least once before age 65.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>Making
sure the appropriate measures are in place for whatever curveball life throws
at you will help protect you and your loved ones from financial uncertainty.<o:p></o:p></span></div>
<span style="font-family: "calibri";">Remember, you are responsible for your and your family’s
financial well-being.<span style="mso-spacerun: yes;"> </span>Do not
procrastinate!<span style="mso-spacerun: yes;"> </span>The important thing is to
take that first step, and before you know it you’ll be on your way to financial
freedom.<o:p></o:p></span><br />
<span style="font-family: "calibri";"></span><br />
<span style="font-family: "calibri";">Gilda Saunders is a CFP with Credential Financial Strategies
Inc.<span style="mso-spacerun: yes;"> </span>She can be located at:<o:p></o:p></span><br />
<br />
<div align="center" class="MsoNoSpacing" style="margin: 0cm 0cm 0pt; text-align: center;">
<span style="color: #404040; font-size: 12pt;"><span style="font-family: "calibri";">2 Herald Ave. Millbrook
Mall</span></span></div>
<div align="center" class="MsoNoSpacing" style="margin: 0cm 0cm 0pt; text-align: center;">
<span style="color: #404040; font-size: 12pt;"><span style="font-family: "calibri";">Corner Brook, NL A2H 4B5</span></span></div>
<br />
<div align="center" class="MsoNoSpacing" style="margin: 0cm 0cm 0pt; text-align: center;">
<span style="color: #404040; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-themecolor: text1; mso-themetint: 191;"><span style="font-family: "calibri";"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">709-634-0405<a href="https://draft.blogger.com/blogger.g?blogID=3575312431287322944#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-634-0405"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-634-0405" /></a></span></span></span></div>
<div align="center" class="MsoNoSpacing" style="margin: 0cm 0cm 0pt; text-align: center;">
<span style="color: #404040; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-themecolor: text1; mso-themetint: 191;"><span style="font-family: "calibri";"><span class="baec5a81-e4d6-4674-97f3-e9220f0136c1" style="white-space: nowrap;">709-632-9427<a href="https://draft.blogger.com/blogger.g?blogID=3575312431287322944#" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-632-9427"><img src="data:image/png;base64,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" style="border: currentColor; bottom: 0px; display: inline; float: none; height: 16px; left: 0px; margin: 0px; overflow: hidden; position: static !important; right: 0px; top: 0px; vertical-align: middle; white-space: nowrap; width: 16px;" title="Call: 709-632-9427" /></a></span></span></span></div>
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<span style="font-family: "calibri";"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="color: #404040; font-size: 12pt;">gsaunders@credential.com</span></i></b><span style="color: #404040; font-size: 12pt;"><o:p></o:p></span></span></div>
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<span style="color: #404040; mso-themecolor: text1; mso-themetint: 191;"><o:p><span style="font-family: "calibri";"> </span></o:p></span></div>
<i><span lang="EN-US" style="background: white; font-family: "verdana" , sans-serif; font-size: 8pt; line-height: 107%;">The information
contained in this article was obtained from sources believed to be reliable;
however, we cannot guarantee that it is accurate or complete. This article is
provided as a general source of information and should not be considered
personal advice. Please speak to your Credential Financial Strategies
Representative or personal financial representative before making any financial
planning decision or implementing any strategy. Credential Financial Strategies
Inc. offers financial planning, life insurance and investments to members of
credit unions and their communities</span></i>Anonymoushttp://www.blogger.com/profile/06908133347059047327noreply@blogger.com0