DM – Q2 Portfolio Commentary
The cost of money and the price of stocks – The summer quarter began with North American markets having fully erased their steep decline of late-2018 and principal benchmarks reaching new highs in the process. We’re not aware of anyone predicting such a powerful start to the year, one which saw the S&P 500 post its best first half in more than two decades and the Dow log its strongest June in 81 years, though we do recall several experts calling for continued trouble and, in more than a few cases, the full market’s outright demise.
Click here to read more: DM-Portfolio-Commentary-Q2- 19
After death of spouse, CPP survivor’s benefit can be a shock
Here’s an important article I wanted to share from CBC News. It addresses some of the scenarios widows and widowers could face if they continue to be reliant on CPP after the death of a spouse.
The Case for Life Insurance
When it comes to most forms of insurance, many people understand the importance of having coverage. Whether it’s your car, your home, or other valuable possessions, having insurance means that you’re financially protected should disaster strike. One of the first things you do when you buy a new car is to make sure it is protected before you drive it off the lot. Why? Because if you are involved in an accident chances are good you would suffer financially.
But, what about life insurance?
Although this form of protection works the same way as all other types of insurance, many are reluctant to open the conversation. Perhaps one reason is that life insurance involves the planning for the worst-case scenario – your death. The truth remains however, that if someone, your family or your business for example, would suffer a financial loss due to your death, life insurance is the answer. In fact, life insurance is one of the smartest ways to provide for both yourself and your loved ones.
For today, take stock of your current situation and consider these important reasons why life insurance is needed: Read more 
Do Retirees and Empty-Nesters need Life Insurance?
Now that the kids are out of the house, you should be shifting your focus on retirement. Since your money isn’t going towards feeding, clothing, and supporting your children (hopefully), you should be figuring out the best way to maintain your quality of life once you retire.
One of the biggest variables in this scenario is the fact that it’s impossible to know how long your money will have to last. Whether it’s 20 years or 40 years can make a huge difference, particularly if you’re not earning money from various investments.
With that in mind, we want to discuss how retirees (and soon to become retirees) can use insurance to help provide for their health and well-being well into their golden years. You don’t want to be left in the lurch because you failed to plan. Here’s what you can do. Read more
