Podcasts about rdsp

The Joint Readiness Training Center is pleased to present the ninety-nineth episode to air on ‘The Crucible - The JRTC Experience.' Hosted by the LTC Westly “West” LaFitte, the Brigade Executive Officer Observer-Coach-Trainer for Brigade Command & Control on behalf of the Commander of Ops Group (COG). Today's guests are two other senior members of BC2, MAJ David Pfaltzgraff and MAJ Marc Howle. MAJ Pfaltzgraff is the BDE S-3 Operations OCT and MAJ Howle is the Senior Engineer / Protection OCT for BDE C2 (BDE HQ). This is part two of our two-part series on MDMP with the previous episode being episode ninety-one of ‘The Crucible.'   This episode focuses on the military decision-making process (MDMP) within the broader operations process and its critical role in enabling successful warfighting at scale. The discussion emphasizes that MDMP is often misunderstood or misapplied, particularly when staffs abbreviate or skip steps like course of action (COA) analysis and war-gaming. The speakers highlight that war-gaming is not simply a formality but an essential method for integrating all warfighting functions—fires, sustainment, intelligence, and protection—into a coherent plan that goes beyond maneuver. When war-gaming is skipped or rushed, staff outputs like execution matrices, decision support tools, and synchronization efforts suffer, creating confusion and inefficiencies during execution. One common friction point is the tendency to rely on directed COAs or key leader discussions as a shortcut, which introduces confirmation bias and bypasses vital coordination and risk analysis.   The episode identifies several best practices to improve MDMP execution. These include empowering a dedicated plans chief to drive the planning effort, enforcing the use of version-controlled fighting products during rehearsals, and requiring all warfighting functions to contribute to synchronization tools like the execution matrix. The team also stresses the importance of integrating current operations with planning efforts to maintain updated running estimates and preserve operational tempo. Another critical topic covered is the misapplication of the rapid decision and synchronization process (RDSP), which doctrine now clarifies must be used only for branches and sequels—not as a substitute for MDMP. Ultimately, success in time-constrained environments comes from repeated practice of full MDMP, adherence to doctrinal principles, and disciplined use of planning tools like the HOPE-SW timeline. The conversation closes with a strong reminder: mastering MDMP is not about perfection—it's about building cohesive teams that can plan, synchronize, and fight effectively under pressure.   Part of S01 “The Leader's Laboratory” series.   For additional information and insights from this episode, please check-out our Instagram page @the_jrtc_crucible_podcast   Be sure to follow us on social media to keep up with the latest warfighting TTPs learned through the crucible that is the Joint Readiness Training Center.   Follow us by going to: https://linktr.ee/jrtc and then selecting your preferred podcast format.   Again, we'd like to thank our guests for participating. Don't forget to like, subscribe, and review us wherever you listen or watch your podcasts — and be sure to stay tuned for more in the near future.   “The Crucible – The JRTC Experience” is a product of the Joint Readiness Training Center.

Have questions about navigating Disability Tax Credits and Registered Disability Savings Plans? In this month's episode of Building Wealth on the Go, we break down grant qualification criteria, how RDSP grants work, and key strategies for planning ahead.

Join the CADD team for another Writing Team Talks episode! Lieutenant Colonel (LTC) Lisa Becker hosts CADD's doctrine writers for FM 5-0, LTC Joe Yurisich and LTC(R) Will Rogers. They talk about how FM 3-0 drove changes to planning and when to use MDMP or RDSP. They also give the background of why TLPs changed and updates in the orders format.

SimplyHome's remote direct support professional (rDSP) solution helps you give more people access to greater independence. Whether you are looking for ways to expand capacity or better support your existing care teams, SimplyHome's new remote DSP solution provides real-time connectivity to real people. It's a simple way to confidently accomplish more while providing exceptional care. Both providers and end-users rate remote support services as providing more privacy, security, and independence than traditional services. The SimplyHome System addresses concerns about cooking safety, falls, medication compliance, sleep patterns, wandering and elopement, aging in place, and more with a smart sensor system that alerts caregivers. SimplyHome's first interview: https://spotifyanchor-web.app.link/e/PJhz5L19cNb Connect to learn more: Website: https://www.simply-home.com/ Phone: (877) 684-3581 Facebook: @SimplyHome X: @simply_home For additional resources and more information about Visible you can find us here: Web: ⁠https://visiblenationaltrust.com/⁠ Podcast (ABC's of Disability Planning) - ⁠https://anchor.fm/abcs-disability-planning⁠ Waypoints - ⁠https://waypoints.substack.com/ --- Support this podcast: https://podcasters.spotify.com/pod/show/abcs-disability-planning/support

Watch this episode on YouTubeAs the year draws to a close,  Evan shares nine powerful strategies to enhance your financial health, decrease your tax liabilities, and set yourself up for future success. Whether you're retired, working, or just starting your financial journey, this episode offers valuable insights including a new update relevant for 2024. Topics covered include opening a first home savings account (FHSA), tax loss/gain harvesting, timing TFSA redemptions, charitable giving, RRSP and RESP contributions, RRIF conversions, and the benefits of a registered disability savings plan (RDSP). Tune in to ensure you're on the right financial track as we approach 2025!Tax-Free Retirement Workshop - Join The Waitlist Invest With EvanFinancial Foundations Course - Save 25% with code PODCAST25Full Financial Picture Spreadsheet

Jane is a retiree living comfortably thanks to her dividend growth stocks portfolio, despite only starting in her 50s! Her journey is inspiring, especially knowing how she turned some of her family's challenges into an expertise that now helps others in her surroundings! Learn about DTC, RDSP, and an admirable woman! Download the Stock Checklist. Join our Retirement Community Waitlist. Make sure to check out the complete show notes. Twitter: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com

Are you or a loved one facing the challenges of long-term financial planning with a disability? Wondering how to secure a stable future while navigating government benefits? The Registered Disability Savings Plan (RDSP) could be the answer you're looking for.Hosts Lawrence Greenberg and Jackson Matthews break down the complexities of the RDSP, explaining how it offers significant government support through income-based grants and bonds, making it a powerful savings tool to help Canadians with disabilities secure their financial future.With tax-deferred growth, matching grants, the ability for multiple family members to contribute and bonds for low-income families, the RDSP allows for faster savings growth.Lawrence and Jackson discuss the RDSP's complexity and the need for expert guidance to fully leverage its potential. Whether you're planning for yourself or helping a family member, the RDSP can be a game-changer for securing a better financial future.Thank you for tuning in!Key Topics:Overview of the RDSP and its importance (1:03)Eligibility requirements for the RDSP (2:02)How the RDSP functions as a hybrid account (2:57)Who can be a beneficiary of the RDSP? (3:27)Contribution limits and rules for the RDSP (4:01)Details of the Canada Disability Savings Grant (4:59)Income thresholds and grant matching (6:02)Canada Disability Savings Bond explained (7:06)Catch-up provisions for missed contributions (9:01)Withdrawal rules and tax implications (10:01)Benefits of the RDSP compared to other accounts (12:00)Takeaways and final thoughts on the RDSP (13:10)Closing remarks and call to action (14:00)And much more!Mentioned in this Episode:Tulett, Matthews & AssociatesThanks for Listening!Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. Feel free to drop us a line at lawrence@tma-invest.com or 514-695-0096 ext.112.Follow Tulett, Matthews & Associates on social media: LinkedIn, Facebook, and more!Follow The Empowered Investor on Facebook, LinkedIn, and Instagram.

Tax expert Jamie Golombek, Managing Director of Tax & Estate Planning at CIBC Private Wealth, joins us for an in-depth conversation on the new higher capital gains inclusion rate, and what this change could mean for Canadians and their future financial decisions—including individuals, investors, and businesses or corporations. If you might be affected by the change, you'll want to listen to this episode! Here are three reasons why you should listen to this episode: Learn about the changes to the capital gains tax inclusion rate that took effect on June 25th, 2024.Find out how the changes affect people with vacation homes/cottages and rental properties, investors, and corporations and businesses.Discover the impact of tax planning with long-term strategies and advice.Resources Visit CIBC for more smart adviceRead Jamie Golombek's column “Tax Expert” in the National PostEpisode highlights [02:40] Current rules vs. proposed changes Jamie says it's a big change, but only affects a small number of people each year. The change affects people who realize capital gains outside of a registered plan that total more than $250,000 in a calendar year.Jamie says the change will also affect individuals who sell a vacation property, income or rental property. Or, if the property isn't transferred to a spouse or partner via spousal rollover, the estate may be liable for taxes.[04:40] “If we really want to break it down, what does this really mean for those who are affected? For individuals, it's only gains over $250,000, and effectively your tax rate is going up by nine percentage points.” [05:51] Who the changes will affect[06:30] Individuals with a second home/cottage/vacation property Jamie notes that if you will have higher capital gains from selling your vacation property, you can use the principal residence exemption.If a vacation property is jointly owned by two spouses or partners, capital gains can also be split 50-50. Each individual can take advantage of lower 50% inclusion rate on first $250,000 in capital gains. This also applies to jointly owned rental properties.Jamie suggests tracking capital expenditures, like a major renovation, that add to the property's value. These can be added to your adjusted cost base for tax purposes. When you sell, the capital gain will be lower because cost will be higher.[09:10] Cottage owners Jamie notes one interesting opportunity for some clients is permanent life insurance if there's no cash in the family to pay capital gains taxes if you die and someone inherits your cottage. The amount of insurance you need only needs to cover the taxes. This can be done affordably if you're in relatively good health and relatively young.[12:11] InvestorsJamie predicts for 2024, the new term will be “capital gains selling.”Jamie advises to look at your broader portfolio allocation and holdings, and speak to your advisor to see if there are opportunities to crystallize a gain and rebalance portfolio. By end of the year, as long as the capital gains are less than $250,000, you will pay a preferred rate on the capital gains tax.[14:56] Corporations or businesses Jamie says that many professionals use corporations because of the substantial tax deferral. But with the recent change, there's have a problem: if you earn capital gains, you don't get the $250,000 break of the lower threshold in the corporation. This means you would be better off if you earned the gains personally vs. in a corporation.For new business owners, the real concern is if you're building up an investment portfolio internally, you're really disadvantaged.[17:37] “I think that you really need to look at the value of deferral. If you're not leaving at least $100,000 or more a year in the corporation, and you're deferring tax on that, you have to question, is it worth paying that extra tax ultimately on the capital gain rather than having that investment done personally?” [17:56] Will the capital gains inclusion rate ever go back down? Jamie says it will depend on what future governments do. A new government could get elected and reduce the inclusion rate.[19:18] “Ultimately it really is a political issue, and I think it will depend on who comes in, and the budget, and ultimately spending and how they can manage the deficit and also the long-term debt.” [19:46] Tax planning tipsJamie advises sitting down with a financial advisor, tax advisor, or an accountant to make sure you're taking advantage of registered plans, such as a registered retirement savings plan (RRSP), tax-free savings account (TFSA), first home savings account (FHSA), registered education savings plan (RESP), or registered disability savings plan (RDSP).A financial advisor can also help you with strategies such as splitting pension income, making charitable donations, keeping wills up to date, and designating powers of attorney.[21:10] “There's so much to talk about, but you can't do this alone. So, I think the best advice is to get advice. In other words, if you're not confident with your own plan, reach out to your advisor. Whether it's a financial advisor or a tax advisor, they will be able to go through some very basic strategies that will help you get on track and hopefully reduce the amount of tax that you pay.” About Jamie Golombek Jamie Golombek is the Managing Director of Tax & Estate Planning at CIBC Private Wealth, and is quoted frequently in the national media as an expert on taxation strategies for Canadians. He also writes a popular weekly column called “Tax Expert” in the National Post. Jamie teaches an MBA course in Personal Finance at the Schulich School of Business at Toronto's York University in Toronto. Connect with Jamie on his website, follow him on X, and check out his “Tax Expert” column. Enjoyed this Episode?If you did, be sure to subscribe and share it with your friends!Post a review and share it! If you enjoyed tuning in, leave us a review. You can also share this with your friends and family — especially if you know anyone who may be affected by the higher capital gains tax inclusion rate.Have any questions? You can connect with me on LinkedIn or through CIBC's Facebook,Twitter, or Instagram.Thanks for tuning in! For more updates, visit our website. You can also listen to more amazing episodes on Spotify or Apple Podcasts. 

RDSP & ODSP / Capital gain reserves / Tax refund, to get one or not? / Investor behavior

Ann Rohmer sits down with Hem Bahtt on financial literacy in How Money Works with the focus on RDSP's; Registered Disability Savings Plan.Disclaimer:Primerica is the trade name of Primerica, Inc., an organization that markets financial services through various affiliated companies in Canada, including PFSL Fund Management Ltd., PFSL Investments Canada Ltd., Primerica Financial Services Ltd., Primerica Life Insurance Company of Canada, and Primerica Client Services Inc., as well as affiliated companies in the U.S. (collectively the "Primerica Companies"). Primerica offers a business opportunity that involves the sale of term life insurance and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.In Canada, the part-time opportunity may be subject to certain restrictions, depending on your occupation.Primerica representatives are not financial or estate planners, lawyers, tax advisors, credit counselors or debt managers. For related advice, individuals should consult an appropriately licensed professional. All references to "plans" or "financial plans" are to be understood as synonymous with the term "financial game plan" and should not be misconstrued as constituting financial planning. References to various milestone achievements and levels of success involve sales force representatives who have achieved extraordinary levels of cash flow during their careers. Personal cash flow levels fluctuate, and these achievements do not reflect earnings of typical representatives. The strategy or tips being suggested may not apply to everyone in every situation and do not guarantee any success of outcome.From January 1 through December 31, 2022, Primerica paid cash flow to its Canadian sales force at an average of $17,141, which includes commissions paid in Canadian dollars on all lines of business to life licensed representatives."Ownership" refers to the conditional right of an eligible Regional Vice President (RVP) to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.The examples and information herein are for educational purposes and are not intended to be a recommendation to buy, sell or hold a security or to adopt a particular investment strategy or to be a solicitation of a life insurance policy.For more information, refer to https://bit.ly/PriDisclosures.

The First Home Savings Account, or FHSA, is a new type of registered plan available to Canadians. This episode we're explaining the ins and outs of the FHSA and how you might be able to take advantage. Kingsley Chak, the Senior Vice President of Deposits, Savings and Investments at Scotiabank, is our guest. He'll also give us a refresher on all those other savings account acronyms you've heard of but might not be 100% clear on. So, you'll come away knowing the ABCs of TFSAs, RRSPs, RESPs and more.      Key moments this episode:   1:00 — What exactly is the First Home Savings account?  1:28 — Why was an account like this created?  1:47 — How much can you contribute to an FHSA? How does it work?  3:20 — Who should consider opening an FHSA?  4:23 — Who can open a FHSA?   4:50 — Could parents or grandparents open an account for a child or grandchild?  5:22 — Some tips on the best way to use the FHSA  5:51— A tip on how the FHSA can work with an RRSP  6:02 — Can a couple or several people pool their own separate FHSAs?  6:50 — When will the FHSA be available?  7:08 — How is the FHSA different from the Home Buyers Plan?  8:04 — A breakdown of investment vehicle acronyms – starting with RRSP  9:25 — What is an RRIF?  9:58 — What is a TFSA?  11:44 — What is an RESP?  13:04 — What is an RDSP?  13:26 — What is an MPSA? 

The Saint John Disability Community Town Hall has been postponed until further notice. Community Reporter, Marisa Hersey-Misner has the details (0:00). Who qualifies for a RDSP? And how can you register for one? Ryan Chin dives into this as we shine a light on finance (13:11). Michael French with Robert Half shares the latest employment negotiation trends with us (26:58).

Jason talks to Christine Brunsden, CEO of Benefits2, a web-based application designed to help people and medical practitioners identify disabilities that qualify for the Disability Tax Credit. It also assists them by saving time and money while increasing the rate of success when applying for the Disability Tax Credit.Episode Highlights02:56: Through her teenage years, Christine's daughter went downhill, and she ended up going through some really terrible stuff.03:52: Christine realized how hard it is for young people who are aging out of the system, they don't have the proper support.05:44: Medical practitioners are burning out record numbers. They are not motivated to take their after-hours to fill out third party forms for the government09:41: Christine shares an example of a woman who did her disability tax credit with Benefits 2 on January 31st.11:09: The hard part for everyone involved in tax refund is that nobody has ever taught anything about this in school.12:02: Christine explains how her platform helps people qualify for disability tax.12:45: The government tried to bring in the disability tax motors restrictions act and fix the fee at $100. 17:08: Christine thought the disability tax credit promoters were really predatory in nature, taking that big percentage.19:10: Christine is a huge advocate for diversity, equity and inclusion, and he is also a huge advocate for people with disabilities.24:18: The Canada Caregiver credit, medical expenses, and disability supports deductions home buyer's amount.25:09: 60% of all people who have the disability tax credit are over the age of 55, and the RDSP is not even a benefit for that.26:22: It's not a disability tax credit. It's really an enabling for people with ordinary everyday impairment to their activities of daily living.3 Key PointsChristine shares her daughter's ordeal and how her teacher called her out in front of all of her peers at the age of 6.Christine developed Benefits2 to leave more money in the hands of persons with disabilities and their supporting family members and to ensure Canadians have an option that complies with the disability tax credit promoters restrictions act.Christine explains how they created a platform, a complex algorithm in the background that once you have answered your questions related to your particular impairment, they write the application for success for you, you get a code and the PDF of the application and e-mail.Tweetable Quotes"My eyes are really wide open around the disability taxpayer." - Christine Brunsden"If the credit doesn't apply to you, maybe you're not working, but maybe you have a supporting family member, and you can transfer the credits to that supporting family member." - Christine Brunsden"Our marketplace will have diversity, equity inclusion, calendars that support all the different awareness dates throughout the country and internationally." - Christine BrunsdenResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPodcast Editing Hosted on Acast. See acast.com/privacy for more information.

Jason talks to Christine Brunsden, CEO of Benefits2, a web-based application designed to help people and medical practitioners identify disabilities that qualify for the Disability Tax Credit. It also assists them by saving time and money while increasing the rate of success when applying for the Disability Tax Credit.Episode Highlights02:56: Through her teenage years, Christine's daughter went downhill, and she ended up going through some really terrible stuff.03:52: Christine realized how hard it is for young people who are aging out of the system, they don't have the proper support.09:41: Christine shares an example of a woman who did her disability tax credit with Benefits 2 on January 31st.11:09: The hard part for everyone involved in tax refund is that nobody has ever taught anything about this in school.12:02: Christine explains how her platform helps people qualify for disability tax.12:45: The government tried to bring in the disability tax motors restrictions act and fix the fee at $100. 17:08: Christine thought the disability tax credit promoters were really predatory in nature, taking that big percentage.19:10: Christine is a huge advocate for diversity, equity and inclusion, and he is also a huge advocate for people with disabilities.24:18: The Canada Caregiver credit, medical expenses, and disability supports deductions home buyer's amount.25:09: 60% of all people who have the disability tax credit are over the age of 55, and the RDSP is not even a benefit for that.26:22: It's not a disability tax credit. It's really an enabling for people with ordinary everyday impairment to their activities of daily living.3 Key PointsChristine shares her daughter's ordeal and how her teacher called her out in front of all of her peers at the age of 6.Christine developed Benefits2 to leave more money in the hands of persons with disabilities and their supporting family members and to ensure Canadians have an option that complies with the disability tax credit promoters restrictions act.Christine explains how they created a platform, a complex algorithm in the background that once you have answered your questions related to your particular impairment, they write the application for success for you, you get a code and the PDF of the application and e-mail.Tweetable Quotes"My eyes are really wide open around the disability taxpayer." - Christine Brunsden"If we look at what happens with incontinence, well, somebody who suffers from incontinence is likely going to impair on their physical activity because of the whole leakage issue. They are probably not hydrating properly because of the leakage issue and that they will basically cause some other sort of disabling condition." - Christine Brunsden"Our marketplace will have diversity, equity inclusion, calendars that support all the different awareness dates throughout the country and internationally." - Christine BrunsdenResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.benefits2.ca/Podcast Editing Hosted on Acast. See acast.com/privacy for more information.

Let's talk money with Certified Financial Planner, Ryan Chin. He let's us know about RDSP Awareness month.

With Canadian Thanksgiving around the corner, Greg David shares what he's thankful for in Television and entertainment. Ryan Delehanty highlights Mackie's Mobile Studio, a Pictou County musician's initiative to reach artists with access barriers. It's the Wednesday edition of Buzz With Bill with Producer Bill Shackleton! Let's talk money with Certified Financial Planner, Ryan Chin. He let's us know about RDSP Awareness month. Mary Mammoliti of Kitchen Confession shares exciting grocery store buys for every home cook.

In this episode of the Voice Epilepsy™ podcast, Sharareh Saremi, an Advocate at Disability Alliance BC, joins us to discuss the Registered Disability Savings Plan (RDSP). If you would like to learn more about the provincial and federal disability benefits available to people living with epilepsy in BC, visit the Disability Alliance BC website at www.disabilityalliancebc.org. You can also contact the Advocacy Access department at Disability Alliance BC for assistance in applying for disability benefits via telephone at 604-872-1278, Toll-Free at 1-800-663-1278 or via email at advocacy@disabilityalliancebc.org. Please note that this podcast features the audio from a webinar presented by the BC Epilepsy Society. To view the video version of this webinar with full PowerPoint slides, please visit https://www.youtube.com/watch?v=pYaD1pTg6R0.

There's a new tool which helps answers common questions about the Registered Disability Savings Plan. Financial Advisor Ron Malis shares more.

April was a month of automation for Michael Babcock. He shares how he's leveraged automation in his technological life. The NHL playoffs begin tonight. Brock Richardson joins us to preview this. We meet April Hubbard, host of the new AMI-tv series In Focus, premiering May 5. Vancouver Community Reporter Julia Bonnett highlights the performance ‘In Camera', presented by RealWheels Theatre. There's a new tool which helps answers common questions about the Registered Disability Savings Plan. Financial Advisor Ron Malis shares more. Danielle McLaughlin chats with lawyers from ARCH Disability Law Centre, regarding a landmark decision involving the Accessibility for Ontarians with Disabilities Act (AODA).

Learn a more in-depth take to understand your Retirement Disability Savings Plan (RDSP) from Financial Advisor, Bobby Vu.

Ken Pope is partnering with the Asperger's Society of Ontario to help outline important information regarding special needs & disability estate planning.Learn about:• Wills and Henson Trusts• ODSP and how it can affect estate planning.• How all families with adult children with special needs can benefit from the improved caregiver tax credit• Disability Tax Credit recapturing ($16,000-$22,000)• RDSPs and how they can grow to $700,000• Lifetime Benefit Trusts for RRIFs• Guardianships vs. Power of Attorney explainedFor more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter https://kpopelaw.com/ken-pope-henson-trusts-lawyer-enews-signup/

Learn about the differences between countries on the following topics:• Wills and Estate Planning• Henson Trusts and Lifetime Benefit Trusts• Social Benefits • Tax Credits• Registered Disability Savings Plans• Guardianship & Other Substitute Decision Making StrategiesFor more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter https://kpopelaw.com/ken-pope-henson-trusts-lawyer-enews-signup/

Grab a tea and tune in as Ken outlines important information including recent and upcoming changes regarding special needs & disability estate planning.• Wills and Henson Trusts• ODSP and how it can affect estate planning.• How all families with adult children with special needs can benefit from the improved caregiver tax credit• Disability Tax Credit recapturing ($16,000-$22,000)• RDSPs and how they can grow to $700,000• Lifetime Benefit Trusts for RRIFs• Guardianships vs. Power of Attorney explainedFor more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter https://kpopelaw.com/ken-pope-henson-trusts-lawyer-enews-signup/Subscribe to our YouTube channel:https://www.youtube.com/c/KennethPope

Grab a tea and tune in as Ken outlines important information including recent and upcoming changes regarding special needs & disability estate planning.• Wills and Henson Trusts• ODSP and how it can affect estate planning.• How all families with adult children with special needs can benefit from the improved caregiver tax credit• Disability Tax Credit recapturing ($16,000-$22,000)• RDSPs and how they can grow to $700,000• Lifetime Benefit Trusts for RRIFs• Guardianships vs. Power of Attorney explainedFor more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter https://kpopelaw.com/ken-pope-henson-trusts-lawyer-enews-signup/Subscribe to our YouTube channel:https://www.youtube.com/c/KennethPope

Disability & estate planning specialist Kenneth Pope partnered with CHEO Parent Navigators Lilian Kitcher & Teresa MacMillan to discuss various family needs as well as provincial and federal benefits.For more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter https://kpopelaw.com/ken-pope-henson-trusts-lawyer-enews-signup/

https://smallbusinessaccountants.ca/ (The Small Business Accountants and Financial Advisors) A replay of an older episode! Since this is Steven's specialty, we thought we'd share it again. Today, Steven is joined by Alandra Williams to discuss RDSP! DAD ON MONEY https://www.mechoradio.com/dadonmoney (Website) https://www.instagram.com/dadonmoneypod/ (Instagram) https://twitter.com/dadonmoneypod/ (Twitter) STEVEN WILLIAMS https://rdsplan.ca/ (Website) https://www.instagram.com/rdsplan.ca/ (Instagram) https://twitter.com/rdsplan (Twitter) ALANDRA WILLIAMS https://www.instagram.com/ad_van_turetime/ (Instagram) CREDITS Hosts: https://smallbusinessaccountants.ca/ (Steven Williams) & https://www.instagram.com/ad_van_turetime/ (Alandra Williams) Editor: https://alexwilliamns.com/ (Alex Williamns) Music: https://artlist.io/artist/161/ian-post (Ian Post) Dad on Money is produced by MeCHo Radio.

Dylan Steeves, GM of RDSP Farms in Oregon joins us on the HempList this week, hosted By Chase Nobles, Founder of Kush.com Dylan and Chase have a great discussion as of July, 2021 discussing everything from beneficial insects to the current state of the Hemp Industry and Delta 8. Dylan happens to be in his truck with nematodes and lacewings that he's on the way to apply at his 30+ acre Hemp Farm in Southern Oregon. Chase asks about how he uses the insects before they jump into Dylan's background in wine, and all the CBD, CBG, CBN, & Delta 8 products that RDSP Farms has to offer. Finally they discuss how CBD sales have gone down since the introduction of Delta 8 and what that holds for the future of the Hemp Industry! https://www.rdspfarms.com/ Subscribe for more interviews each week, also available on Spotify and podcast apps. Learn more and create your account now at Kush.com for B2B transactions or shop.kush.com for online orders.

https://smallbusinessaccountants.ca/ (The Small Business Accountants and Financial Advisors) Today, Steven is joined by Alex Williamns to discuss how Steven got into the RDSP! DAD ON MONEY https://www.mechoradio.com/dadonmoney (Website) https://www.instagram.com/dadonmoneypod/ (Instagram) https://twitter.com/dadonmoneypod/ (Twitter) STEVEN WILLIAMS https://rdsplan.ca/ (Website) https://www.instagram.com/rdsplan.ca/ (Instagram) https://twitter.com/rdsplan (Twitter) ALEX WILLIAMNS https://mechoradio.com/ (Website) CREDITS Hosts: https://smallbusinessaccountants.ca/ (Steven Williams) & https://mechoradio.com/ (Alex Williamns) Editor: https://alexwilliamns.com/ (Alex Williamns) Music: https://artlist.io/artist/161/ian-post (Ian Post) Dad on Money is produced by MeCHo Radio.

Back by popular demand, Ken and his team hosted another Q&A session where they answered viewers pressing questions about:• Canada Recovery Caregiving Benefit (CRCB)• ODSP benefits, increases & income and asset tests. ($896 - $1169)• Disability & caregiver tax credit recaptures. ($16,000 & $10,000)• Legal guardianship & powers of attorney• Wills, Henson Trusts & estate planning• Dying without a will or Henson Trust• Using life insurance to fund Trusts• RDSPs and anything else you'd like us to addressFor more information, contact us at 1-866-536-7673 or visit our websiteClick HERE to get an assessment with us.Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

Back by popular demand, Ken hosted another Q&A session where he answered viewers pressing questions about:• Canada Recovery Caregiving Benefit (CRCB)• ODSP benefits, increases & income and asset tests. ($896 - $1169)• Disability & caregiver tax credit recaptures. ($16,000 & $10,000)• Legal guardianship & powers of attorney• Wills, Henson Trusts & estate planning• Dying without a will or Henson Trust• Using life insurance to fund Trusts• RDSPs and anything else you'd like us to addressFor more information, contact us at 1-866-536-7673 or visit our websiteClick HERE to get an assessment with us.Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

https://smallbusinessaccountants.ca/ (The Small Business Accountants and Financial Advisors) Today, Steven is joined by Alandra Williams to discuss RDSP! DAD ON MONEY https://www.mechoradio.com/dadonmoney (Website) https://www.instagram.com/dadonmoneypod/ (Instagram) https://twitter.com/dadonmoneypod/ (Twitter) STEVEN WILLIAMS https://rdsplan.ca/ (Website) https://www.instagram.com/rdsplan.ca/ (Instagram) https://twitter.com/rdsplan (Twitter) ALANDRA WILLIAMS https://www.instagram.com/ad_van_turetime/ (Instagram) CREDITS Hosts: https://smallbusinessaccountants.ca/ (Steven Williams) & https://www.instagram.com/ad_van_turetime/ (Alandra Williams) Editor: https://alexwilliamns.com/ (Alex Williamns) Music: https://artlist.io/artist/161/ian-post (Ian Post) Dad on Money is produced by MeCHo Radio.

On Season 3, Episode 9 of The LowDOWN: A Down Syndrome Podcast, Laura Mackenrot of Plan Institute gives us the lowdown on RDSP's.Support the show

BARENAKED MONEY PODCAST: EPISODE 6See Saw on the Canadian BudgetSpeaker 1:You're about to get lucky with the Barenaked Money podcast. The show that brings you the naked truth about personal finance, with your hosts, Josh Sheluk and Colin White, Portfolio Managers with WLWP Wealth Planners, iA Private Wealth.Colin White:Welcome to Josh and Colin's SeeSaw on the Budget. This is what I see, is that what you saw? So, Josh, I'll throw it to you first. You tell me what you see and I'll tell you what I saw.Josh Sheluk:Yeah. We're going to do things a little bit differently today. So normally we sit down and hash out a little bit of a rough outline for what we're going to talk about. Today we just said, "Well, let's talk about the budget. You come up with five things that were interesting to you. I'll come up with five things that were interesting to me, and we'll sit down and we'll talk about it." We'll discuss, no preparation whatsoever. So we're throwing ourselves in here cold.Colin White:And you're going to go first, so impress... And I know for a fact, you've got more than five things on your list. So don't lie to our listeners.Josh Sheluk:Yeah, well, it's tough. I know we both pored over 739 pages of this federal budget. Every word, we looked at it in detail. Every footnote, every note in the margin, and we both had tons to talk about. So, we both have more than five things on our list, but we'll try to keep it concise for everybody. So, first and foremost, I think this is maybe the most significant sort of long-term part of the budget. And that's some of the reform and the push that they're doing on childcare. And so, just at a very high level, what they've said is that over the next five years, they want to push for a $10/day cost for your children in daycare. And, so that's over the next five years. By the end of 2022, so let's say a year and a half from now, they want to see a 50% reduction in average fees for childcare over that period of time.Josh Sheluk:I think this is awesome. I think this is extremely important. I think childcare, speaking to people that I know that have young kids that they're dealing with this, I think it can be exorbitantly expensive. And I think economically speaking, I'm going to put my economist hat on, we want people to be working. And the fact that childcare is so expensive is a disincentive for some people to work. It's better off for them to stay home and just take care of the children than it is to go out and get a job. And that has some real implications for the economy as a whole. So from the idea of, this should get more people out there making more money, spending more money, more tax revenue, et cetera, et cetera, bolstering the economy, I think it's a lovely thing. What do you think, Colin?Colin White:Oh, it's a fabulous idea. Like cinnamon farts and bubble gum trees. But the problem is, you're pushing on a rope. You got the government trying to overstep its mandate because this is largely something that's done at the provincial level. And a lot of what was in the budget, from what I read, involves the provinces also ponying up. So the federal government's going to kick in, but then the provinces have to agree and kick in. Provinces don't necessarily have the money, because they're trying to pay for that whole healthcare stuff. And to have a five-year plan, when you have an election coming up next year, come on. Just stop that. You get to have a one-year plan. That's all you get. And then if you win the election, you can have another year. Don't pick the five-year plan when you got to win your mandate. I fully agree.Colin White:And I think that childcare should be less expensive. We need to support the families in the workforce. That's absolutely... You can't be a human being and think that's a wrong thing, but the way that they're trying to do it makes no sense. I hope that this moves the rock. I hope that they're able to actually make some progress on this because you're right. This is a very valuable thing. It should be important. We should pay attention to it, but we got to be competent while we're paying attention to it. We can't just announce things with big dollar figures and the years that we don't have control over. That's not helping.Josh Sheluk:Yeah. Well, and that is very true. I think what's made me a little bit more encouraged on the subject is that they're taking from the model that Quebec has put in place. And the Quebec model, by everything that I saw data-wise, has been fairly successful. And one of the good data points is that the number of women in the workforce, the percentage of women in the workforce in Quebec is much higher than the rest of Canada. So obviously they're doing something right there and stealing from that model or borrowing from that model makes some sense, but, maybe you're right. Maybe it should be the provinces that are looking after all these. And having it regulated at a federal level is just going to work out to be a mess, as so many other things.Colin White:We will see.Josh Sheluk:Yeah. So what's first on your list?Colin White:Well, the first thing on my list is something that's not on the list. There were no changes to capital gains inclusion rates, and there were no changes to the taxation of your principal residence. So sometimes the biggest thing in the budget is what's not in the budget. So that was the number one takeaway I took. Now listen, if you will all write this down. Stop trying to figure out what comes next, because you are going to worry about... In the entire history of the human species, worrying about anything has never made it better. Anticipating things long before they happen are going to cause... And this is just another example, and think about it. They're a year out from an election. They're not going to do something that's really hugely unpopular, and they're certainly not going to do it suddenly. And I've got other points about that, but I'm not going to steal my own thunder. So Josh, what say you?Josh Sheluk:Well, we came into this knowing that there'd be some overlap in what we had on our list. And it took only two items to get to it. And it's funny. We both had something on our list that wasn't on the list. So, we just spent way too much time together, I think is what it comes down to. But, this is something we talk about a lot, you and I, especially over the last month or so. And it's just, you can't or you shouldn't maybe spend too much time planning for something that hasn't happened yet. And as we could both agree, tax planning is extremely valuable and makes a ton of sense, but trying to speculate on what one government or the next institutes, in terms of tax code, tax law, that's going to be an impossibility, and you're going to end up banging your head against the table more often than not.Josh Sheluk:So, I think if we look at the situation a little bit longer term, I'm actually not surprised that they didn't introduce something this time, because an election is probably coming up in the next year or so. And jacking up people's taxes before an election, probably not a recipe to get reelected. So the speculation, again. Here we are, again, speculating. The speculation is that now, if they get reelected, then they'll really push for some changes to the tax code. Now, the two things that were talked about most prevalently, I would say, would be increases to the capital gains inclusion rate. And I think there is some legitimate concern that that could be increased.Josh Sheluk:I'm not saying you go and rearrange your whole life based on that idea. But I think that's a distinct possibility because if they do push that through, whatever government pushes it through, there's less of an impact to the masses, I would say, than with some of the other tax code changes that they've floated as an idea. But I think the bigger one that I have a very hard time thinking that will ever go through is principal residence capital gains tax. Right now, your principal residence is excluded from capital gains. For them to institute something like that, you're just giving a major punch to the gut to so many Canadians out there, especially ones that have a large part of their wealth tied up in real estate.Colin White:Well, the challenge is it's really easy to get a whole bunch of people to listen to you. It's like the government is coming after your house. "They're coming after my house." Yes. They're coming after your house. It's really compelling stuff when people talk like that. And when people talk like that, people repeat what is said. And then, "What do you mean they're going to tax my house. When's that happening?" Well, it could happen this budget. It's going to happen this budget. It just spreads like wildfire. Every time a budget's coming up, there's at least a little bit of that playing out in the background. So, they go, "Oops. It didn't happen this time. I'm sure it'll happen next time." All right, Josh. Go to the next thing on your list and we'll see if I have it on my list.Josh Sheluk:Yeah. So this is one, I think, that has pretty wide-ranging implications as well, increases to old age security for those over 75. And so, there are two things that I've really heard here. The first is that anybody that's over the age of 75 by June 2022 is going to get a one-time $500 payment. Nice. The other thing is that anybody over the age of 75 going forward and collecting OAS is going to get a 10% bump to their OAS. So starting year one, I guess the 2022 OAS year, that would be about $760 per year in extra income to those folks.Josh Sheluk:Now, this is one that I really have a hard time understanding. Aside from the fact that I think they're trying to buy themselves a few votes, the liberals have floated the idea of, "Well, hey, this is going to help pay for some of those care costs as you get older." Have they looked at what long-term care costs? Do they have any clue? Because I have. We've helped a lot of clients through this. We've had helped a lot of children of clients through this. $760 per year? Maybe that gets you an extra week of long-term care. Other than that, you're SOL. So, this to me, it just hurts my soul because I know that, as a taxpayer, I'm going to be paying for this for the rest of my life.Colin White:And this was on my list by the way, because that's an important distinction to draw. Canada pension plan, there's actually a reserve. There are trillions of dollars invested to pay that. That's concrete. The Canada pension plan, I think, is the smartest thing that's been done by any government, anytime, anywhere. And we have it. And that's fantastic. Old Age Security comes out of rent revenue, current revenue, and that's nice as long as more people are working than who aren't. But demographically, that's going to start to change. A couple of governments ago, they started talking about Old Age Security and saying, "Hey, maybe we need to push it off and have it start at 70 in order to make it sustainable." Well, the liberals got in, so now we're rolling that back. Well, it's fine to roll it back, but you've made the future change bigger when it does happen.Colin White:And this, I think, is just creating a bigger bubble that as demographics change, because again, demographics are predictable, people. Everybody gets one year older every year. It's going to cause more and more pressure. So, while I'm a thousand percent behind the idea that we need to make long-term care more affordable, and the government's got a role to play in that, I don't see this as the way to do it. And I'm afraid that this is going to set expectations in people. People are going to begin to count on this money. And if it ever gets disrupted at any point in the future, it's going to cause some real harm. So, I think this one has got the potential, because I don't think it's sustainable. It's got the real potential to cause some harm. And that's what bothers me about this one.Josh Sheluk:Yeah. I think you're a little bit too guarded with this one. This one's asinine. We already have something called guaranteed income supplement for low-income seniors, right? And, again, we're all for supporting people that are struggling to put food on the table every month, especially if you're over the age of 75. That's what GIS does. You don't need to give people more money at the age of 75 through OAS, because people already have that support in place. And if you want to bolster that support, then go directly to the source. That's GIS. Again, they're buying votes. They're sort of taking the shotgun shell and blowing it across as wide a swath of people as they can. People have a couple of extra bucks in their pocket and think about that when the check box comes around for the next election and the liberals are there. "They gave me $500, $700 bucks a year. Well, I'm going to put my check box next to them. I kind of like having an extra little bit of cash." So, I'm completely out on this one.Colin White:Well, good. At least you come down on one side of the issue.Josh Sheluk:What's next on your list?Colin White:Luxury tax, baby. So again, this is instructive for what it wasn't as well as what it was. So they went after boats, planes and expensive cars, very popular with the general electorate. And you know what, not a bad target. It's similar to some of the Scandinavian countries and their luxury taxes and that kind of regime and that's all well and good. The interesting part here, for me, was that it doesn't start till January of next year. So here is, what I have to believe would be an incredibly popular tax that very few people would get to complain about, certainly not enough people would complain about it to change an election, and they still put it off eight months. They still waited and they gave everyone, "Now, if you've got that boat on order, just make sure you pay for it before January of next year."Colin White:So that, again, tells me the appetite for the government to make changes to taxation in a sudden manner that would not allow somebody to react. So, it's not just what they did, it's how they did it. And again, this is going to cause all kinds of gamesmanship for sure, but it is targeted with the people who can probably afford to pay it. And, I think that it's a reasonable way for the government to raise money. So, I don't have an objection per se to the tax. I just find it interesting in how it was rolled out. That I found instructive.Josh Sheluk:Yeah. I'm kind of ambivalent on this one. So what they did was, for vehicles and aircraft over $100,000 and for boats over $250,000, they're going to ding you with a tax on 10% of the purchase price or 20% of the value above those numbers, or whatever is the lesser of those two calculations. So, it seems like, again, you kind of said it fairly reasonable. It is a lot of money for some of these folks that are playing in this income bracket. So, it's not a small sum of money by any means. And my first thought was, well, people are going to find ways to gain the system, and they probably will. They have said that it's going to affect purchases and leases. So my first thought was, well, if you get a lease, then you don't need to worry about this. It seems like they are smart enough to think of that part anyway. The other thing is the GST or HST is on top of the luxury tax adjusted price. So you've got tax on tax here.Josh Sheluk:So that's one little fun tidbit, but I mean, like you said, it's going to be a relatively small number of people. I'm a little bit weary of taxing the rich to such a significant extent, if we want to call it that, because they already pay a pretty significant share of the overall tax in the country. So at some point, they're going to get a little bit fed up and we don't want to drive those wealthy people, who are paying most of our taxes on a year to year basis, to the Cayman Islands or somewhere down there where the weather's nicer and the tax situation is a lot more accommodated.Colin White:Well, stay tuned to your $99,000 car that comes with a compulsory $30,000 maintenance package.Josh Sheluk:There you go.Colin White:Just thinking outside the box. So Josh, what's next on your list?Josh Sheluk:Well, I'm going to go to the federal minimum wage. And there's been some talk of them increasing the federal minimum wage. It was in the budget to $15 an hour. And so apparently this is going to affect something like 26,000 people. Now that seems like a relatively small number to me, but-Colin White:Tiny. A tiny number.Josh Sheluk:Tiny. Yeah, when you compare it to the overall population. It's another thing where I'm, in principle, in favor of increases to minimum wage. And I think that, done in a measured and calculated way and intelligent way over time, it can actually help. There continue to be progress in sort of that segment of the market and segment of the population. But one thing I want to point out, again, I'm going to put my Economics hat on and go back to my first year Economics course and tell you that, when price goes up, that means the demand for something is going to go down.Josh Sheluk:So if you have the price of labor and maybe you're a restaurant owner, something like that, where you have a lot of sort of lower wage or lower income earners, if the price is going up for that labor, you're automatically going to demand less of that. So if some of these increases that are too aggressive, and I'm not saying this is too aggressive. At some point you may see a bump in your unemployment because of it. And that is one thing that I would be concerned about it. Something that just warrants a little bit of monitoring, because I think what they've done in the US is they're pushing for the same number, but from a much lower base. So it's going to be a much more drastic change for some of those businesses in the US than it will be for businesses up here in Canada.Colin White:Well, this is one of those times... Yeah. There a valid conversation economically and from a social equity perspective on having this conversation. Justin Trudeau was on TV today, talking about the paid sick leave and how that's strictly on the provinces, because only 3% of the workplaces are federally mandated. 97% of the workplaces are under provincial jurisdiction. So when the Fed stand up and say, "We're going to bring in a minimum wage for all Canadians." Yeah. All 26,000 of them, because only 3% of the workplaces are affected. This is just a line that they're going to use in the next election, talking about how they brought up minimum wage, and they didn't. You can't have it both ways. You can't come up with a budget that talks about this like it's a big thing.Colin White:And then when the paid sick leave issue comes up, say, "Oh, that's not us. That's the provinces." That's legit. It is a provincial jurisdiction. And this is the problem. The governments need to stick to their backyard. What are they responsible for? And just because something is popular, just because people want something, if it's outside of what you do, doesn't mean you should pretend to give it to them. To me, this is whitewashing an important issue. This is an important issue, but it can't be addressed federally.Josh Sheluk:So, I just need to be clear, Colin. Are you saying that politicians are sometimes contradictory?Colin White:They're sometimes opportunistic on which stand they take at a given moment.Josh Sheluk:Yeah. Rhetorical question. We didn't need to go there.Colin White:That's fine. That's fine.Josh Sheluk:What's next?Colin White:Green bonds. Did you see the green bonds?Josh Sheluk:Yeah, I saw that. So that's an exciting one.Colin White:Again, this is... Here's my problem. I'm all in favor of saving the planet and the green, I'm in. I got kids. I hope to have grandkids. I think that that's the right thing to do. For the government to just spontaneously announce green bonds? Trusting them to figure out how to allocate this money in a meaningful way that's going to change the world? That's where they start to lose me. All of the plans they've come up with in this kind of regard in the past has just ended up in money getting wasted, money that could have gone to something good, in more of a real accountable situation. I can take everybody back to labor-sponsored venture capital funds. They had huge tax breaks for people to invest in the region. And I can tell you stories about companies who were pitching representatives from these funds who literally fell asleep in the presentation, woke up and wrote a $5 million check because they were mandated to get the money invested.Colin White:It didn't matter what they invested in. The mandate was to invest the money. So my fear is that they're going to take money that could actually go towards a real green initiative and really make a difference, and they're going to waste this initiative for a line in a budget. I don't trust the bureaucracy to determine where the right way is to allocate that capital. Then again, it was announced as a fairly small item in the budget. I didn't see a whole lot of detail on anything I read. And I admit, I didn't read all 729 pages. But all of the writings I read about it seemed to be kind of vague. We have a green bond. Ooh.Josh Sheluk:Yeah. Well, I think a lot of this stuff is a little bit vague. So, you're kind of using your imagination to some extent about what it looks like. There could be some real economic value in doing something like this, just strictly from the government's perspective, because if people know you're doing some type of social good with the money that you're lending them. And that's what a bond is, you're lending the government money. If people know that you're doing some type of social good or think that you're doing some social good, they might be willing to lend you that money at a lower interest rate. I don't know. I haven't seen that out there with these green bonds, but it may be some way for the government to kind of back door and say, "Hey, give us some money at a lower rate."Josh Sheluk:Which, sure, I mean, just from the government's perspective, that can make some sense. But, I mean, to your point, what's the best way to implement some of these climate initiatives? The government actually going out there and spending the money themselves on a project. We've been down that path a lot of times, and it hasn't worked out too well. On the other hand, maybe they can provide some tax credits or other incentives, which I think have been floated in the budget as well, to help private enterprise innovate on that front. Because that's where I think we're going to get there, on the climate front, is you help or incentivize private enterprise to innovate. And if you can do that, then I think we're going to get to the outcomes that we want. Government spending a whole bunch of money on green initiatives, probably not going to get there.Colin White:Well, for me, Josh, it says, it's not as much about incentivizing something. It's just getting out of the way. Because incentives can get pretty particular, and there's a lot of case studies about companies that build themselves around incentive programs to hire the right people in the right location. And they kind of lose track of running a business. And pretty soon they wake up dead. Right? So, trying to incentivize specific activities is dangerous, because nothing happens in one dimension. If they could just get out of the way of companies that satisfy certain criteria as to what they're working on and let the company decide, like don't get specific on labor, get specific on how they're spending the money. But as long as the objective they're working towards is green, then get out of their way. So I prefer to look at it as get the government out of the way, rather than having them try to incentivize some particular narrow activity to address some perceived or actual problem in the system.Josh Sheluk:Yeah. It's interesting. It's a massive topic and we're definitely not going to solve the problem here today. And there's a lot of different sides to the argument. I was speaking with the portfolio manager earlier this week, one that we use to invest some of our money, and his comment was, "Well, it's fine that you put in this carbon tax system. But if I just sit on my hands as an enterprise now, yeah, I pay a little bit of extra money in the carbon tax, but I don't really have to do anything." He said, on the other hand, if you provide a carbon credit where if you're reducing the carbon that's out there, you actually provide a payment or some incentive or a credit to that business, that enterprise, then there's a kick in the pants that, "Hey, I'm going to go do something that's going to take some carbon out of the air, help the environment in a positive way, not just stay steady."Josh Sheluk:And something like that might be more effective as well. So, a million different ways to tackle the issue. And that's why it's such a big one and such a tough one to take care of.Colin White:I lost track, but I think I'm throwing it to you. Is the next one your turn?Josh Sheluk:Yeah. Well, I'm going to stay on that theme of sort of climate and energy efficiency and all those things and speak to something that may come up for some of our homeowners out there. There's a whole retrofit interest-free loan that's been floated. So, through CMHC, Canada Mortgage and Housing Corp, they're going to provide up to $40,000 in an interest-free loan for people to replace their oil furnace or get better wall insulation or basement insulation, install high efficiency water heaters, replace drafty windows or doors. So, this is something... I don't know. How much is it actually going to trickle into the mainstream? Probably not that much, but if you're looking to do something like this, again, it may provide that incentive that you need to do it.Colin White:It's going to provide zero incentive. If you can borrow money at 1.5%, providing money for free, it's not that big of a difference. Unless they're going to allow people to qualify for this loan program who wouldn't qualify for normal credit, this is not going to change anything. This is just another talking point for them. It's not that big a difference. 0 or 1.5% interest, that's just not motivation at all.Josh Sheluk:This is your finance brain doing the actual math, Colin, but keep in mind, most people are not going to go through that exercise. They're going to see, "Ah, interest-free? Well, that's awesome. That's way better than I can get elsewhere. Let me jump at this."Colin White:I'm cursed with the ability to do math, and frankly, I'm in people's lives to do math, and I'm going to do the math and that's worthless.Josh Sheluk:You actually said one thing there that scares me though. If we're not doing any credit check whatsoever, then we're just giving out interest-free loans to people that don't qualify. Yeah. That's government money that maybe we're throwing bad after good, or good after bad. One of the two.Colin White:Yeah. And again, I didn't read any details, but I wouldn't surprise me if that's where it went.Josh Sheluk:You're up.Colin White:Disability tax credit. This is something that's legit. This is something that's going to affect a lot of people. This is something that is complicated and it's something that has a big upside to understand. So, they have, for the purposes of this presentation, they've made it more reasonable to qualify for disability tax credit. Which is nice, from a tax perspective, but it also opens up RDSP. It's registered disability savings programs, which are huge, absolutely immense. So, if you have a member of your family, and it can be anywhere from children to parents to brothers to sisters, if you have anybody that's suffering from some form of a disability, where you've looked at the disability tax credit in the past and not qualified because it was, actually to be honest, very difficult to get to qualify for.Colin White:They've made it a little bit more meaningful and real to qualify for. And this opens up some real planning opportunities for people in these situations that should not be ignored, because the disability savings programs are very generous. Now, I think part of what's going to happen here is you're going to see that there's going to be many more people get involved in them. And they may take a look at the generosity of these plans and say, "Hey, we've got to be careful because, again, this is going to get expensive." But right here, right now today, this announcement, this part of the budget is an opportunity.Colin White:So there's anybody, and again, they've gotten fairly broad in their definitions [inaudible 00:29:13] ADHD and things like that, that people are fully functioning with. Who can lead a rather full life may still qualify under this program now. There's an opportunity here that somebody we would look at who's, "Oh, they're fine. They're basically fully functioning and they've got a full life." But again, because of their medical situation, they may actually qualify now, and it's worth looking at. This one counts. This one means something to those people, and it could mean huge.Josh Sheluk:Yeah. And not only does the disability tax credit get you some really significant tax credits, potentially save you some money on your tax return, but the RDSP, the disability plan that you're talking about, you can get two to three times the amount in government grants that you actually put into these accounts. So that's what you're talking about when you're saying that it is a real thing. This is a tremendous savings vehicle for those that qualify with a disability. And a lot of people out there use the RESP, the education plans, and [inaudible 00:30:15] "Yeah, I'm getting some good benefits there." Well, think you can be getting 10 times the benefits with an RDSP that you're getting with an RESP. So they can be very, very lucrative. There are a lot of moving parts with them. So reach out to a professional if you're trying to go down this path, because you probably need a little bit of help to get it off the ground and to make it function properly.Colin White:All right, Josh, what else is on your list?Josh Sheluk:Well, I just want to kind of end on one thing for my list. And it's, again, not something that's in the budget itself, but overall debt levels. And we've been talking about this a lot, especially over the last couple of years. The debt is going to continue to grow. And I'm not saying that it shouldn't, with this budget, but there's no real plan. There's no real path to start winding that down. And it seems like the new budget has basically forecast deficits for the foreseeable future. And that's a bit of a challenge when we've been spending money, hand over fist, like a drunken sailor on shore leave over the last year and a half.Josh Sheluk:And actually, going back before that, before we really had this pandemic in place. So we've talked about it time and time again. It doesn't need to be a catastrophe, the current debt levels, but it's certainly going to have some longer-term implications. And what those implications are, we don't know yet, but it probably means one of two things, or maybe both of these things, maybe some inflation down the road, or maybe some hindrance to growth, to GDP growth at some point down the road, probably some combination of two. Again, I'm not forecasting the apocalypse, but something to be aware of.Colin White:And just to be clear, I mean, what we're talking was the budget talks about the annual deficit, which is basically adding to the debt. And the budget going forward, as Josh pointed out, for the whole forecast is going to be adding into the budget. Now we've got monster deficits now, and they're going to get a little smaller in projection, but again, liberals are projecting for after the next election, which is a lot optimistic. So, that levels are going to be a thing to keep an eye on, for sure. Not apocalyptic, but something to keep an eye on.Josh Sheluk:Yeah. It's such a hard thing for society. I'm going to say society as a whole, because you're basically incentivized as a politician, as a government, to spend money to support people, because those people are going to reelect you if they have more money in their pocket. But at some point, the music has to stop. And when, where, who is going to stop that music, we just don't know yet.Colin White:Well, I want to end on a different note, a bit more apocalyptic. $300 million was headed to enforcement. They're coming after you. So, not only that $300 million line, there was a couple of lines in there totaling over $500 million towards various forms of enforcement. They're getting smart. So they're doing risk-based enforcement. So, if your return triggers an algorithm, you're going to get a letter and they just put another half a billion dollars on the table to write better letters.Colin White:So, there's a big part of this budget is trying to crack down on tax cheats and they're using a pretty broad definition of that. So yeah, that's the thing. And with the increase in electronic surveillance and tracking your passport as you go across the border, the fact that we've gone to a cashless society now, that everybody's running everything through their credit cards, so there's a bank record of everything you're doing more so than ever before. Be careful, if you're playing in the gray areas or you're playing out of bounds. Yeah. This could be a thing. So, keep an eye over your shoulder or just do the right thing. And you've got nothing to worry about.Josh Sheluk:Yeah. And potentially get some professional help along the way if you have any questions, because [crosstalk 00:34:28] that's a nightmare, you don't want. Speaking from experience, watching some of our clients deal with it, once they get a look, sort of under the hood, so to speak, they're not going to go away for awhile. So.Colin White:Once you get on the CRA Christmas card list, you stay on their Christmas card list for a little bit. So, and you won't find it comfortable.Josh Sheluk:Yeah. And they don't lose your address.Colin White:No, not when they want to keep a hold of it, no. [inaudible 00:34:58] If you're expecting money from them, well, different story.Josh Sheluk:Yeah. So that's a great overview of some of the hot button topics in the federal budget for 2021. There's a lot more to it. There's a lot more going on there. 739 pages is not a short document by any means, but those are the ones that we think are really going to come home and impact our clients, impact you, our listeners, at some point over the next little while. Or, hey, maybe they go away next year, and it's never a thing. But a lot to keep in mind there, as we go forward.Colin White:Well, I've started to lose interest in talking about this, so I'm pretty sure everybody else has lost interest in listening to us, Josh, so, why don't we wrap it up, say thanks to everybody and reach out to get any questions.Speaker 1:This information has been prepared by White LeBlanc Wealth Planners, who is a portfolio manager for iA Private Wealth. Opinions expressed in this podcast are those of the portfolio manager only, and do not necessarily reflect those of iA Private Wealth Inc. iA Private Wealth Inc is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. iA Private Wealth is a trademark and business name under which iA Private Wealth Inc operates.  

Dessutom krönika av Margit Silberstein, kåseri av Mark Levengood, Panelen och satir med Utkantssverige. Timme 1: * Påsken under pandemin * Trädgårdspåtandets betydelse * Franska bokhandlare öppna under lockdown * George Floyd-rättegången - reportage från Minneapolis * Krönika av Margit Silberstein * Panelen Timme 2: * Stödröstare sökes - men hur går valen till? * Utkantssverige * Nemam Ghafouri - en tornado av hopp * Varför vill man äga en tidning? * True crime-vågens symbios med nyheterna - nu blir Knutbyhändelserna teveserie * Kåseri av Mark Levengood Programledare: Lasse Johansson Producent: Katarina von Arndt Tekniker: Johanna Carell

In this episode I talked about people rushing through life and I give a few examples of times when I didn't enjoy the present moment and a result of that. As well as hindsight being 20-20. I did give some basic information about the RDSP which you can find on canada.ca website. Quick disclaimer! I'm not a financial advisor I do not take any responsibility for you or anyone else making financial decisions. Make sure you do your due diligence and contact a professional before you make any choices. Lastly I'm aware that I didn't give any specific information in this podcast, but I am just covering my butt.

Disability & estate planning specialist Kenneth Pope partners with Kim Mcleod, Parent Advocate, Educator and Co-founder of “One More Thing” a parent group for special needs families, for a second webinar to discuss various family needs as well as provincial and federal benefits. Topics:      • Wills and Henson Trusts• ODSP and how it can affect estate planning.• ODSP benefit increases $896 - $1169• How all families with adult children with special needs can benefit from the improved caregiver tax credit • Disability Tax Credit recapturing ($16,000-$22,000)• RDSPs and how they can grow to $700,000• Lifetime Benefit Trusts for RRIFs• Guardianships vs. Power of Attorney explainedFor more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

Disability & estate planning specialist Kenneth Pope partners with Kim Mcleod, Parent Advocate, Educator and Co-founder of “One More Thing” a parent group for special need's families, for 2 webinars to discuss various family needs as well as provincial and federal benefits. Topics:      • Wills and Henson Trusts• ODSP and how it can affect estate planning.• ODSP benefit increases $896 - $1169• How all families with adult children with special needs can benefit from the improved caregiver tax credit • Disability Tax Credit recapturing ($16,000-$22,000)• RDSPs and how they can grow to $700,000• Lifetime Benefit Trusts for RRIFs• Guardianships vs. Power of Attorney explainedFor more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

The President of the Pharmacists Association of NL says that pharmacists could play a crucial role in helping to administer the COVID-19 vaccine. Next, less than a quarter of eligible families are taking part in Registered Disability Savings Plans. We'll find out why families with children with disabilities might want to consider setting up an RDSP. Finally, the student has become the teacher. We'll chat with Dean Simon about a new Mi’kmaw language program he’ll be teaching. It’s called the Language Revival Project.

Join Jason and financial planner Johnathan as they discuss the finer points of the RDSP. Johnathan is highly knowledgeable about the RDSP and teaches Jason a few things along the way! Remember to subscribe and earn your continue education credits at bccquiz.online! Supplementary Materials: RDSP Provider User Guide RDSP: Open, transfer or rollover Rollover from a Registered Education Savings Plan to a Registered Disability Savings Plan T2201 Disability Tax Credit Certificate    

Finished High School? Now what?Disability estate planning specialist Kenneth Pope and RESP specialist Greg Anthoine talk about RESPs, RDSPs, OSAP, special needs bursaries as well as flexibilities and accommodations available in college & university.Learn About:• Registered Disability Savings Plans• Registered Education Savings Plans• Flexibility factors for students with special needs• Ontario Student Assistance Program• Special needs bursaries• Post-secondary education accommodations for learningFor more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

Disability & estate planning specialist Kenneth Pope partners with Service Navigator and Team lead at Autism Ontario Michelle Bascom to discuss various family needs as well as provincial and federal benefits. Learn About:        • Wills and Henson Trusts• ODSP and how it can affect estate planning.• How families with children with special needs can benefit from the caregiver tax credit now that it has changed• The Disability Tax Credit• RDSPs and how they can grow to $400,000• Lifetime Benefit Trusts• Guardianships & substitute decision making For more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

In this one hour session, Ken and his team answer common (and uncommon) questions people have about:•Wills, Henson Trusts & estate planning•Dying without a will or Henson Trust•ODSP benefits, increases & updates•Legal guardianship & powers of attorney•Disability & caregiver tax credits•RDSPs and moreFor more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

In this overview episode, Kenneth Pope explains how you can synchronize the use of a child's RDSP and the Henson trust in their will. Original air date: Jan 16, 2019For more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

In this webinar replay Ken Pope and Crystal Terris discuss how to obtain maximum ODSP benefits, utilize tax credits available and everything in between.Learn about:• How to maximize your ODSP benefits and the common issues people face• How to obtain the DTC credit and the common barriers encountered• Using the Caregiver credit and how the criteria has changed• RDSPsFor more information, contact us at 1-866-536-7673 or visit our website Click HERE to get an assessment with us. Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE 

In this overview episode Ken Pope goes over the basics around Legal Guardianship & RDSPs, Pensions, OAS/GIS.For more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE.

In this episode, Ken Pope discusses various resources available in Ontario for people with special needs and disabilities, such as Passport, Special Services at home, RDSPs, ODSP, tax credits and more.Original air date: February 24, 2020For more information, contact us at 1-866-536-7673 or visit our website www.kpopelaw.comGet an assessment with us:https://kpopelaw.com/ken-pope-disability-estate-planning-family-evaluation-form/Don't miss out on important updates and webinar invitations. Sign up for our newsletter HERE.

Many Canadians don't realize that the government has an investment plan designed specifically for Canadians with disabilities. The Registered Disability Savings Plan exists to help disabled Canadians with their long term savings, but it can be difficult to understand. Alan Whitton is the founder of Canajun Finances, where he writes extensively about the Registered Disability Savings Plan, and RESPs as well. He joins me this week to explain the ins and outs of the RDSP, as well as the Disability Tax Credit. You can find the show notes for this episode at https://maplemoney.com/alanwhitton Do you bank with a member of CDIC? If so, your eligible deposits with that institution will be protected up to $100,000 in each of their coverage categories, in the event of a bank failure. Didn't know that banks could fail? CDIC has handled the failure of 43 of its member institutions since it was established in 1967. Guess how many people lost their protected deposits during those failures? Zero. Not a single dollar under CDIC protection was lost. Find out more about CDIC coverage and check to see if you bank with one of its member institutions by visiting https://www.cdic.ca

Louis Isabella, CPA, talks with Al & Robin about the little known and often under-utilized Registered Disability Savings Plan (RDSP) and its very unique features & advantages. Learn how it could apply to your situation.

Louis Isabella, CPA, talks with Al & Robin about the little known and often under-utilized Registered Disability Savings Plan (RDSP) and its very unique features & advantages. Learn how it could apply to your situation.

Louis Isabella, CPA, talks with Al & Robin about the little known and often under-utilized Registered Disability Savings Plan (RDSP) and its very unique features & advantages. Learn how it could apply to your situation.

Louis Isabella, CPA, talks with Al & Robin about the little known and often under-utilized Registered Disability Savings Plan (RDSP) and its very unique features & advantages. Learn how it could apply to your situation.

RDSP (H1) Rob: We're talking about RDSPs today, Registered Disability Savings Plan. I'm Rob Tétrault from robtetrault.com. Head of the Tétrault Wealth Advisor Group here at Canaccord Genuity Wealth Management. Today we're here with Adam Buss, Wealth and Estate Planning Specialist here at Canaccord Genuity, to talk about the RDSP. The RDSP, so where do we begin? Adam: Well, it is specifically designed for those who qualify for the DTC, the disability tax credit. We do have another video on the disability tax credit, so please click and enjoy that one as well. But the RDSP is a savings plan to basically save for the financial future. For somebody who has a qualified disability,  it's a plan the government throws a pile of free money towards. So comparable to the RRSP and the RESP, because we love acronyms, we're going to throw all those out. But  basically, the contributions that you make towards this plan are not tax deductible. For example, you put $1,000 in, you don't get a tax receipt, unlike the RRSP's case. It's a bit like the RESP in that way. The government does throw in some matching grants on that, which can be quite favorable depending on your income level. Rob: Let's talk about those grants. Could I open an RDSP in theory, for a beneficiary, I would imagine? Adam: Yeah, maybe a parent opening one for a child who's a beneficiary, or an individual who has a qualified disability opening one for themselves. Rob: Okay, and then there's grants for the first $3,500, there are matching grants. So basically 300% for the first 500 dollars. Adam: You bet. 300% return on your first $500 of contribution. Rob: That means you're getting $1,500 not bad, 200% on the next thousand, that's another $2000. And then 100% for the last thousand. That is a lot of grants. There is a lot of grant money coming out and there's some family income rules with respect to that. You must be making less than $93,000 per year.  Adam: That's to qualify for those grants. Anything above that income level I'm pretty sure it's 100% matching only, which dollar for dollar on the first thousand dollars is still a pretty good deal. Rob: It's a pretty good return. That's not bad. Most portfolio managers would be thrilled with that return. Let's talk about the bonds themselves. I understand there could be even more money thrown at you if you make less than another threshold. Adam: Yeah. If a family has a lower income level, you can get additional bonds that are thrown into the account even without you having to put a dollar in. I think it's $1,000 per year up to a maximum of $20,000. Rob: Wow, that's very, very good. Okay, now we open this account. Maybe I had the DTC now for five years. Can I go back?  Adam: You can. Absolutely. Let's say for a couple of years, maybe you're in low income, you can't afford to put a lot of money into there. And you come into some money or you get a gift at some point and you can put a large amount in and make up for some of those unused years of room. You can get a big pile of grant money in one lump sum and carry forward up to 10 years. Rob: Okay. Now the DAP, the disability assistant payment, that's for age 60 and beyond. And then would that be taxable on the way out? Adam: Any money that you put into the plan you can take out tax free. It's your money. Any money that the government put in, or growth on the account, is all taxable when the money comes out essentially. It does provide you with an income for your retirement time. Rob: That's very similar to the RESP. Very similar in that regard for the grant and the growth are taxable in the individual who pulls it out in their name. Now, I guess the idea here for planning wise is that one, you're getting a ton of money upfront from the government. Two, It's growing tax free inside the account. That's a big part, right? You're not paying tax on the income that's being generated inside the RDSP. And I guess finally in theory, as you're withdrawing this money, you could potentially be in a lower tax bracket at that age, you've had all those years of deferred growth. Adam: Yeah, generally, maybe some individuals with a qualified disability don't have the same potential of earnings throughout their lifetime, but their family wants to make sure that they have the money come retirement to look after themselves. This is a great way to try to protect their benefits that they're receiving from the government on a regular basis, which is why all that income is sheltered within the plan. Rob: If you get started early here, I could just see these accounts could get fairly large. I would imagine. Adam: Which is probably why the government did put a cap on the contribution limit of, I think it's $200,000 for a lifetime contribution and up to $70,000 of grant money. Rob: Right. And the contributions, you can make them up until you're 59 and no more grants after you're 49. Adam: Yeah, you don't have to weigh the pros and cons. Does it make sense to put money in past the age of 49 or not, as you aren't getting any free government money? There are situations where it does make sense. Rob: Yeah, you're putting $2,500 and you're getting $3,500 in matching. That's pretty neat. Now do they count, do they affect any future government sponsored benefits? Adam: Typically not. I mean, every province does set their own rules as to what qualifies and what doesn't qualify as income for reducing the government benefits. But the idea behind it is hopefully that it doesn't affect your government benefits. Always recommend checking with your provincial governing body. Rob: Now they talk about bonds. Does that mean that in the investment account you have to have bonds or could you put whatever you want in that investment account? Adam: Now you have a few more investment options. It's not an actual bond. It's basically just a gift of money that the government's giving, but you do have a lot of investment options at your disposal. Rob: You open an RDSP, you can put effectively stocks, bonds, debentures, preferred shares, alternatives, equities, ETFs, mutual funds. You could put whatever you want in that portfolio. Adam: There's a certain limitation. There's a few providers out there that don't provide services for RDSPs. But the best place to get the answers is to come to Rob Tétrault and figure out what is the investment options that are available for your RDSP account. Rob: And to do that, you'd go to www.speaktorob.com, to book a no obligation free consultation. Adam, it's been a pleasure, a real pleasure chatting with you today about the registered disability savings plan.

The Disability Tax Credit  Rob: Hey folks! Today, Adam and I are chatting about the DTC, the Disability Tax Credit. I'm Rob Tétrault from robtetrault.com, Head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. I should introduce my guest here today. Thrilled to have Adam Buss, Wealth and Estate Planning Specialist here at Canaccord Genuity Wealth Management. Adam, thanks for being here. The disability tax credit, how does it apply and what is it exactly? Adam: It's a non refundable tax credit for those who have a qualified disability. And it's basically meant to try to equalize the disadvantages and the added costs that an individual with a qualified disability may face. They've basically given them a little bit of money back on an annual basis. Rob: Okay, that would mean, for example, an adult with a disabled child, right? Adam: It could be an adult with a disabled child, an individual who's above 18 and has a qualified disability. Any of those things, and this is a tax credit that can kind of carry on for your lifetime if you're considered qualified, Rob: and the DTC is attached to that individual with the disability. Adam: It's attached to that social insurance number essentially. Rob: And when they are minor, their parents in theory could or would get the credit. And when they're an adult, potentially they would get the credit on their own. Adam: Yeah. Or even if they're an adult and they have somebody who needs to claim them as a financial dependent. That individual can claim that disability. Rob: Okay.  there's a bunch of different ways a person can be eligible for the DTC, you must meet some of the following criteria. What would some of those be? Adam:  You know, there is substantial criteria. It generally means that if you're blind. You have troubles with certain activities of daily living, and different restrictions. There's quite a lengthy list. Certainly recommend going to the CRA's website to look at the full definitions. But when in doubt, if you have any sort of disability that you think may be qualified, chat with your doctor, chat with your tax professional to see if you can get qualified for the disability tax credit. It's a huge advantage for your income tax return. Rob: And I see here that the disability, the impairment is a prolonged impairment. They're saying it needs to be for an expected continuous period of at least 12 months. Adam: It needs to be long term. I could break my leg and have a reduced lifestyle for the six months or whatever, but it's not long term. To qualify it needs to be something that affects your lifestyle and your life on a long-term basis. Rob: And it must be present substantially all the time, at least 90% of the time. Now the tax credit, does that just reduce your tax or does it reduce your income? And it's $8,000 per year? Adam: That's $8,000 per year, which I believe reduces your income. Again, I'm not an accountant. We always recommend reviewing these items with your tax professional to make sure that it's being properly applied to your situation.  Rob: If you have the DTC, if you have the disability tax credit, then you could check out our other video on this, but you could automatically qualify for the RDSP, is that correct?  Adam: qualifying through the disability tax credit is the prerequisite for qualifying for the RDSP, the registered disability savings plan, which you did a fantastic video on not that long ago that I recommend you check out. Rob: So the RDSP, the really neat thing about that one is, there's a ton of grants and potential bonds, you put a few thousand dollars in... $2,500 a year, and the government will match you $3,500 a year, for example. It's a great savings vehicle. Okay. if you do have the DTC, you're wanting to get the $8,000 tax credit, but you also qualify for the RDSP. make sure to talk to your advisor, a guy like me. And for that you can go to www.speaktorob.com and you can find out all about the wonderful ways to structure an RDSP, and how to actually build a portfolio for that.

Finance guru, friend, and all around great guy Mike King joins the podcast to talk about the details of an RDSP (Registered Disability Savings Plan) and the benefits to having one!

Первый выпуск Russian Data Science Podcast.Петр Ермаков и Тимур ОхинькоМы пригласили двух интересных гостей, Данилу и Александра, чтобы они рассказали свои нестандартные истории, как пришли в анализ данных. Гости: Данила Савенков и Александр БельскихЗвукомонтаж: Тимур ОхинькоМузыка: Михаил Трофимов и Тимур Охинько

You received those investment proceeds. Now the actual settlement that is received is typically going to come in the form of a cash payment. If it's a larger chunk, you're obviously going to want to focus on optimizing your TFSAs, your RRSPs, your RESPs if you have kids and maybe an RDSP, if you have a disabled child. First, you're going to optimize all of that and afterwards, will be left with non-registered dollars. If you're retiring today because of the settlement, well then you need to focus on building a portfolio that generates tax efficient income. If this money is going to form part of a longer-term plan or you're only retiring in the future, that's fine. We'll approach the construction of the portfolio in another way. You might want to have some growth stocks in there, some dividend payers as well. We'd be less concerned about the actual income that's being generated in the portfolio. You've received the inheritance and all of it is in cash, 2 million dollars just sitting there in cash, in a settlement. Full Blog Article and Video on How To Invest A Large Inheritance (https://robtetrault.com/how-to-invest-a-large-inheritance-how-long-does-it-take-to-get-inheritance-money/) Well, do you just go and buy a whole bunch of stocks today? I would strongly advise you not to do that. The first step would be to figure out the asset allocation that you should have. Now, whether that's a 60/40, an 80/20 or another percentage allocation, you should own alternatives. Alternative Asset Class You should definitely own a portion of your portfolio in either alternatives, real estate, private debt or principal protected notes. Something that is a nontraditional investment. It's not a stock or a bond. They have a clear purpose to either create income, reduce volatility and/or stabilize the portfolio with uncorrelated asset classes. What I would suggest for you, given that you have this cash now, it'd be to look at investing the alternatives, the debt and the fixed income right away. In a short timeline, you should put that money to work because for that money, basically the earlier you're in, the earlier you start collecting the dividend. You want to start earning income on that money. In regards to stocks, you want to be a little bit more prudent. You want to make sure that you're trying to time the market. You want to reduce your market timing risks. So how do you do that? We like to use what's called the legging in strategy. You leg in chunks of cash over time into the stock market. Perhaps, initially you'll buy maybe a third or a quarter of your equities right off the bat. You would buy the stocks in the first week or two that you receive your cash. You would try to find a down day in the markets, buy sectors that are either oversold if you could. What you DON'T want is to have your settlement sit in a bank account or an investment account and sit there for two, three, four years while you wait for a correction. You want to have some of your money that's participating in the market and then depending on the amount and depending on your asset allocation, we would suggest a timeline to have all the money legged in. It could possibly be three months, a year or two years, but a period of time where all the money gets legged in. The way we do it is we pre-establish rules. The rules are pre-set. If the following were to happen: a 5% correction or a 10% correction, we start buying more equities. With a 20%-30% correction, we buy more, and we may invest all of your portfolio. Market Correction and Recession If you end up buying in a market correction, you end up buying all the way down and your average cost based on your securities is going to be significantly lower and in a much better position to participate in the rally that always follows corrections. Full Blog Article and Video on How To Prepare For A Recession And A Stock Market Crash (https://robtetrault.com/stock-market-crash-how-to-prepare-for-a-recession/) Now, what if the stocks don't correct? What if the stocks just continue to rally? The good news is that over a period of time, with our pre-established rules of legging in at three months, at six months and at nine months, you were buying equities regardless of what was happening in the market. The reason we do that: We want to remove emotion with pre-established rules. We don't want to be emotional when it comes to money. It's very difficult for people to not be emotional with their own money, so we pre-establish rules, make sure that the money's put in over time. Also, it reduces your market timing risk. We want to own equities because equities have performed so well in the last 100 to 150 years. It's a really good asset class. There are some really good companies that exist out there and you get to participate in the profit. If a company can generate 10 to 15% return on their investment for their shareholders, that's something we want to get. You want to own the fixed income and the alternatives right away and then just build a strategy around the legging in portion.

This week we take a deep dive into Registered Disability Savings Plans (RDSPs). This special registered plan offers financial support to those with disabilities.  Simple Money Podcast: Canada's own Personal Literacy Podcast E: info@ffcoach.ca Twitter: F_FCOACH

When the 2019 federal budget was presented March 19, 2019, it revealed changes to the Registered Disability Savings Plan (RDSP). If you have clients who might be affected, here’s what you need to know about how the proposed legislation could help them once the changes take effect. Who is affected: A person with a disability (or parents of a child with a disability) who experiences an improvement that disqualifies them for the disability tax credit (DTC). The current legislation: Currently, if a beneficiary stops being eligible for the DTC, contributions can no longer be made to the RDSP, and no further Canada Disability Savings Grants or Canada Disability Savings Bonds can be paid into it. The plan must be closed and all money paid out by the end of the year following the first full year during which the beneficiary loses DTC eligibility. The proposed legislation: The existing time limit on the period an RDSP can remain open after the beneficiary becomes ineligible for the DTC would be removed beginning in the 2021 tax year. The budget also proposes that written certification from a licensed medical doctor or nurse practitioner stating the beneficiary is likely to become DTC-eligible again in future would no longer be required to keep the plan open. Why it matters: Currently, if a person stops being eligible for the DTC, up to 10 years’ worth of grants and bonds would have to be paid back. Then the RDSP issuer would pay any remaining assets to the beneficiary. The proposed legislation includes new rules governing repayment that would see ever- declining portions of the grants and bonds being repaid each year after the beneficiary turns 50. What happens in the interim: A transitional rule will ensure that an RDSP issuer will not be required to terminate a plan after March 18, 2019 and before 2021 for the sole reason that a beneficiary loses DTC eligibility. While the new rules have been described as being beneficial to disabled people and more generous than the previous rules, do remember that they are still in the proposal stage. Be sure to check on updates to their status before advising any of your clients who have, or are planning to open, an RDSP.

Today I have the creator of the TFSA (Tax Free Savings Account) on the show who shares his best TFSA tips and strategies, while also discussing his initiative to enhance financial literacy in Canada. His name is Kevin McCarthy, and while working in Ottawa, Kevin was responsible for the financial literacy file for Minister Flaherty and helped launch the federal government's Financial Literacy Panel. He played a key role in the development and naming of the Tax-Free Savings Account (TFSA), the single most important personal savings vehicle since the introduction of the Registered Retirement Savings Plan (RRSP). Kevin has since joined a great organization called Enriched Academy which focuses on teaching financial literacy here in Canada. Get Your Free 1-Year Subscription to Canadian MoneySaver Magazine Lastly, don't forget to claim your free 1-year digital subscription to Canadian MoneySaver Magazine (Canada's largest personal finance and investing magazine). The magazine features Canada's top experts on personal finance and investing, and is a great place to learn best practices, and stay up to date on changes that will impact your investments and financial situation for years to come, specifically here in Canada. To get that, all you have to do is open up a free savings account with my favourite bank (and the bank that I personally use, EQ bank). The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada. In fact, over all the years that I've been with them, I've seen them consistently be almost double the interest rate compared to other online banks, and well over double the interest rate compared to the major brick and mortar banks that we have here in Canada.   Plus it's free to sign up and keep an account with them, so you're not paying a monthly fee as you do with many of the other banks out there. As a bonus you also get unlimited free Interac e-transfers every month! Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money. To get the free account and a 1 year free subscription to Canadian MoneySaver magazine, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you a coupon code that gets you a free one year subscription to the magazine. Enjoy, and thanks for supporting the show! Links and Resources: Financial Literacy Training at Enriched Academy Kevin's LinkedIn Profile EQ High Interest Savings Account with Bonus Questions Covered: To start things off, tell us a bit about yourself and your background in government, as well as your transition to promoting financial literacy by working with Enriched Academy. Why did the government decide to introduce the TFSA and what was your involvement in that? For anybody just getting started learning about RRSPs and TFSAs, can you explain what they are, and share your best practices on how to use them? I find that definitely one of, if not the most common questions that Canadian investors have, is how to decide for any given year whether they should be putting their savings in their TFSA, RRSP, or a combination of the two. As someone who helped create the TFSA, what would you say to someone asking this question?  What are the most common mistake you see Canadians making with their TFSA?  What about the most common mistakes Canadians make with their RRSP?  When it comes to financial literacy, what would you say are the biggest misconceptions, or things that Canadians just don't know about that are holding them back and limiting their net worth?  I find we Canadians sometimes get worried about the changes that the government might do which can impact our financial futures. In particular, there definitely seems to be some worry about the large percentage of the Canadian population retiring, and about there not being enough young people to support them from a tax revenue perspective. Should we be concerned? Based on your extensive experience in the government sector, how do you see things playing out when it comes to this challenge? What changes to our government benefits do you think may take place? For anybody that won't be retiring for another 10+ years, how can we best prepare ourselves for this uncertainty of how much income from the government we'll actually end up receiving in the future? I'd love to get your perspective on the Registered Disability Savings Plan (RDSP). It's something that is relatively new, created by Minister Flaherty when you worked with him, and it helps families with disabled children but I find it isn't that well known.  Can you give a brief explanation of the RDSP, tell us know why it was created and what people should know about it?  You recently joined Enriched Academy to help you with your mission of increasing financial literacy for Canadians. Can you tell us about Enriched Academy, and why you decided to join them? It was great seeing Enriched Academy be so successful when it appeared on the show Dragon's Den. Can you tell us what it's been like having the Dragons as investors and advocates for Enriched Academy, and tell us a bit more about how Enriched Academy helps improve Financial Literacy here in Canada. Where can we hear and learn more from you? Bonus Question: Let's talk about using the RRSP vs TFSA when saving for a home. The RRSP has the Home Buyers Plan, but the TFSA is more flexible as there are less rules surrounding it. What is your preference and what should we be considering when choosing to use one vs the other.   In Closing: If you enjoyed the episode, please take a moment to leave an honest review and rating on iTunes by clicking the “View in iTunes” button at this link. If you have any tips, suggestions or comments, please be sure to leave a comment in the section below. I read all the responses and look forward to hearing from you. Also if you liked the episode please share it using the social media buttons on the left, and sign up for free below to receive all new episodes as they get released, news on giveaways, and the free guide on the Top 5 Personal Finance and Productivity Tools here in Canada! I looking forward to hearing from you. Kornel

Greg Sykora from MacKenzie Investments joins us on the show to talk to Brandon, Jeff, Josh and Trevor about RDSP's. If you are or you know an individual with a disability the registered disability savings plan might be for you.

В этом выпуске вы узнаете: - Что такое RDSP и для кого он нужен? - Подробно о RDSP: - условия открытия, сколько можно вклыдывать - что такое Grant и Bond? - Как можно вытаскивать деньги из плана и можно ли переводить из RESP? - Что происходит с планом, если умирает или beneficiary, или родители ребенка? Список болезней для получения Disability Tax Credit T2201 Disability Tax Credit Certificate MoneyInside.ca – ваш подкаст о деньгах, экономике и личных финансах. MoneyInside в iTunes MoneyInside в YouTube Оставить свои комментарии или задать вопросы вы всегда можете под этим выпуском или в группе "Финансы с Артемом" в Facebook - https://www.facebook.com/groups/CanFinanceInRussian/ Книга “Inside Banking” - все вопросы и ответы о канадских финансах простым языком. Купить Спасибо, что слушаете MoneyInside. Успехов в деньгах!

This week we look at a financial plan that creates long-term financial security for individuals with disabilities. Thanks again for listening to Simple Money - Canada's own personal finance podcast. Email: info@ffcoach.ca Twitter: F_FCOACH

If you or someone you care about has a disability, the Government of Canada offers Canadians the chance to accumulate funds and provide financial security for disabled persons through the Registered Disability Savings Plan (RDSP). RDSPs operate in a similar fashion to RRSPs, but carry their own set of distinct benefits.

Financially Speaking with Kathy Cook Noble Radio Show RESP, RRSP, RRIF, TFSA, RDSP, GIC, MERs, ETFs, EFTs, FOREX, DOW, TSX, and so many more! Acronyms, acronyms, acronyms! OMG!! What do they all mean? This is part of what looks scary to those outside of the financial industry. It’s like learning a new language. We’re going to break it down in plain language and translate all these acronyms. You don’t want to miss this fantastic opportunity learn this new language. Join me!  ~ More About Financially Speaking ~ Everywhere you go, everywhere you turn, everyone you talk to, money appears. Either in conversation, in thoughts, in dreams, in stress, in arguments and in planning. Money is the one commodity that everyone can universally agree that they all need. Most people navigate through their lives not really understanding how money works or how to keep more of it. Kathy Cook Noble is a believer in people’s abilities to understand, control and plan for their futures with money. She believes that once people understand the importance of why they need to control their own finances, they will live a free and happy life. She is a Financial Advisor, teacher, bookkeeper, business expert, seeker of knowledge, community volunteer and believer in people. Kathy has spent her entire life studying and working in business to help people expand their lives, save money, make money and avoid financial ruin. She personally understands what it means to see value and have faith in yourself so that you are more confident in financial decisions. Overcoming painful obstacles and realizations about money has helped Kathy become obsessed with helping people, especially women, understand their financial situations and help them plan for their future selves. http://kathycooknoble.gpwealth.ca/ http://www.kathycook.ca/  kathy@bookkeepplus.ca To get more of Financially Speaking with Kathy Cook Noble, be sure to visit the archives page for replays of all her shows here: https://www.inspiredchoicesnetwork.com/podcast/financially-speaking-kathy-cook-noble/  

-What is RDSP? -What is Disability tax credit? Who can qualify? Who would get tax credit if the parents are divorced? -How much money can a person contribute to RDSP? -What is the difference between bonds and grants and how much are they? -What bank can I open an RDSP with? What are the investment options? -Who will be the owner of RDSP if the owner passes away? -Can both parents be the owners of RDSP? Can the ownership be transferred to the child after s/he is an adult? -How to use an RDSP? -How much does it cost to open and maintain an RDSP? -How to withdraw money from RDSP? Steven Williams has 20 years experience in financial services, bookkeeping and accounting. Steven specializes in presenting and opening the Registered Disability Savings Plan (RDSP). With a blended family that includes eight children, Steven proudly displays an entrepreneurial attitude evident in many Alberta business owners. True to his community roots, Steven volunteered for over 6 years on the McKenzie Towne Resident’s Association Board. Steven is also a dedicated plasma donor for Canadian Blood Services. Email Steven at steven [AT] rdsplan.ca

Registered Disabilities Savings Plans are geared towards helping families and individuals who are living with a disability. RDSPs can only be setup for someone who is eligible to receive the Disability Tax Credit. If this is for your child, you can only begin making contributions after your child is diagnosed with an eligible disability. This is one of the main reasons RDSPs aren't as commonly used, or as frequently discussed. On this week's podcast we're welcoming back Alan Whitton, the voice behind the Canadian Personal Finance blog. This is a subject close to Alan as he and his wife found themselves having to set up an RDSP for their son. After familiarizing themselves with the ins and outs of the Disability Tax Credit, they sought help from their doctor to obtain it. On today’s show we discuss how they work, who is eligible, and what happens if you have an RDSP and file bankruptcy.

In this week’s podcast/ blog our featured guest is Jeff Dobbin, Executive Director of Partners for Planning (P4P) in Toronto Ontario. Jeff and I discuss the idea of creating a culture of possibility for people with disabilities, why planning and intentionality is so important, the three most important building blocks to think about when getting started with planning, and the resources that P4P provides to help you create an incredible ordinary life.   P4P, an affiliate of PLAN BC and a member of the Ontario Independent Facilitation Network (OIFN), is a family driven organization that started in 2009 to create resources and community supports for families caring for a relative with a disability. They developed the P4P Planning Network, which is an online resource that was created for families across Ontario, but is accessed by people across the world!   The online tool provides valuable information on six key areas; life planning, building relationships, work and contribution, legal and financial planning (RDSP), creating a home of your own, and supports.   P4P is also very well known for the webcasts that they produce on these six areas where they engage in thoughtful discussions with experts, and take live questions from the audience. They host approximately 40 free webinars per year and you can check out their upcoming webinars on the planning network home page.   The P4P website also hosts a doc zone – short documentaries profiling short video stories to help us learn what is possible and a professional services directory that can help you find professionals with disability expertise. P4P also published the book titled ‘Safe and Secure’, by Al Etmanski.  They are currently updating Safe & Secure and it will be available on the Planning Network this fall.   All resources on the Planning Network are available at no cost.    The Culture of Possibility:  On the podcast, Jeff shares, “If people that haven’t had a lot of opportunity to be involved in their community - for example (they have been) in segregated schools, or a congregated program the whole idea of participating fully as a citizen is an extreme idea for many people. So, one of the things we do at P4P is share stories of hope and possibility to help people realize that people with disabilities can contribute and live full and unique lives.” (These stories are told on the webcasts, and in the doc zone.)   Planning Enables Possibility: On the podcast Jeff shares, “What many families will tell us is that very little happens unless their family is intentionally involved in directing things. I have 3 kids, and they have more or less figured out their own lives – they have their own jobs, and financial resources and they have moved out, but I am fully aware that doesn’t always happen when there is a disability involved. Also, with all the waitlists in Ontario you can’t sit back and wait for the government to provide all the supports you need. We also encourage families to be proactive because of the individualized funding that has become more available, and because of a move toward community based approaches. Families have an opportunity to create incredible things around work, contribution, and relationships.”    3 Things to Consider When Starting Your Planning:  On the Podcast Jeff shares: 1) Create a Vision. Think about the life you would like to help your son or daughter create. What is important? What is possible? Don’t be afraid to dream.   2) Building Relationships. Who will be there for your sons and daughters when you can no longer care for them? Don’t be afraid to invite others into your life and your son’s and daughter’s life. (Eric: Building relationships has had a huge impact on my sister’s life, but also my mother’s life – as she feels more supported. This is something that an independent facilitator or coach can support with. To learn more about independent facilitation you can listen to episode 3, ‘Independent Facilitation and Support Circles Enriching lives’, and also check out the Ontario Independent Facilitator Network (OIFN) website.   3) Financial Resources. Access the financial resources that are available to you to support making your vision a reality. In Canada, you can open an RDSP if you are eligible for the disability tax credit (DTC). For example, if you open an RDSP at the age of 5, and you qualify for grants and bonds fully, at age 35 you would have a $350,000 asset and over a lifetime $1,000,000 asset. This type of asset is a life changer. Check out the P4P learning center to learn more about the RDSP.    I thank Jeff for coming on the podcast/ blog to share the message of creating a culture of possibility for people with disabilities, and for educating us on the resources the P4P team has created to help us live into the vision we create for ourselves and our loved ones.   If you enjoyed this blog/ podcast  Subscribe to our mailing list and get a new episode every week!   Love & Respect, Eric   Resources: Partner's for Planning (P4P) Website: Click Here Ontario Independent Facilitation Network (OIFN) Website: Click Here  The Art of Belonging (Ted Talks Inspired): Click Here Contact Jeff Dobbin: jdobbin@p4p.ca   If you received value from this content please leave me a review on iTunes. By leaving a 5 star review on iTunes you make the Empowering Ability Podcast more discoverable, and more families will benefit. Click Here To Leave a Review on iTunes   The Empowering Ability Podcast is available on iTunes and various other apps so that you can listen while on the go from your smartphone!   Click Here To Listen on iTunes  

Al Etmanski and I talk about how to bring social change to life by thinking and acting like a movement, the Registered Disability Savings Plan (RDSP), basic income for people with a disability, and the current state of the family and individual arms of the disability movement.  Think and Act Like a Movement Al is the author of the book, ‘Impact: Six Patters to Spread Your Social Innovation’, and Al and I discuss the first pattern; think and act like a movement.    Paraphrasing from the podcast, Al tells us:  “It isn't about creating your own movement - we are all already part of many movements…. the question is which ones do we want to bring our energy and resources to. Thinking an acting like a movement is important because big ideas only come into reality when others feel that they have something in common. Movements create a popular support, and the cultural receptivity that emboldens politicians (enables the politician to make bold decisions). Most of the time politicians will ignore your proposals unless they pick up that there is a large degree of receptivity in the public. This is what makes movements more powerful than organizations. Movements don't happen overnight, they take time and become long term trends.”   An example of thinking an acting like a movement is how PLAN BC, an organization Al Co-Founded, led the charge to bring the RDSP to life. The RDSP is a savings plan for Canadians with a disability - enabling people with a disability to save for the future in a way that does not impact eligibility for government supported programs. The idea started at PLAN, but they realized they wouldn't be able to lobby for this change on their own; they had to bring in other people. In order to address the broader initiative, they created alliances with organizations, families, strangers and adversaries and tried to get as many people moving in the same direction to achieve the ultimate end outcome – financial security for people with a disability in Canada.     How do we think and act like a movement?   Al Suggests:  ​1) We need to calculate the movements you are already part of. 2) Identify the players that your movement touches on. 3) Of those players, identify those that are aligned with your values, and that you would want to work with. 4) Then determine how can you contribute, or how can your organization contribute. If we start with 1 or 2 % of our time and resources you can make a difference.   I got a ton of value from Al’s book ‘Impact: Six Patters to Spread Your Social Innovation’. I highly recommend you get yourself a copy if you are looking for a guidebook to bringing your social innovation to life.     The RDSP  I haven’t yet covered the RDSP on the podcast, so Al provides a high-level overview of  how the RDSP works, and the benefits it provides. To sign up for an RDSP you must be eligible for the Disability Tax Credit (DTC). If you are eligible, or think you might be eligible for the DTC I highly recommend that you consider opening an RDSP to support securing your, or your loved one’s financial future. I will be covering the RDSP in greater detail in a future episode – so for now you can learn more by listening to this podcast with Al Etmanski, or by reading more from the government’s website.      The Family and Individual Arms of the Disability Movement  I ask Al to give his perspective on the current state of the disability movement, and he suggested that there many arms of the disability movement and to simplify it for our conversation we discuss the family and the individual arms of the disability movement.     Current State of The Family Arm  Paraphrasing from the podcast, Al tells us:  “The family arm isn't as strong as it used to be - I don't see the representation from younger family members that there used to be there 20 years ago. (Al hypothesizes that) this could be because the existing players aren't reaching out, or the agenda is not relevant to younger families. The medium of expression has changed dramatically and it has me wondering where the current limitations of the family arm are currently related to our adaptation into the social media world.”    Current State of Individual Arm  Paraphrasing from the podcast, Al tells us:  “There is a huge shift with how people with disabilities see themselves, and see themselves in the world. Al coins this as an ‘evolution of consciousness’. I come from and era where we were asking people to forget about their disability, and to push it in the background. We were asking society not to notice the disability. I am seeing an evolution of consciousness that seems to be comparable to the rising of women in the woman’s rights movement, and minorities in the civil rights movement. People (with disabilities) are taking back the language and beginning to describe their situations the way they are experiencing them. I've begun to see this everywhere, and I think this is so significant. I think it demands that we think about what role we have as advocates, supporters, and family members to make sure that we don't get in the way.”   On the podcast, Al shares the moment he realized this evolution of consciousness in a story as a father with his daughter Liz. Liz acknowledged her disability during a spoken word performance in front of an audience and Al states, " It was both the real deal, and it was no big deal." The full story is available on the podcast.   There are also many groups of people that have emerged across Canada that are interpreters of this evolution, such as the organization Exeko.  Exeko provides ‘intellectual mediation’ with the assumption of intellectual competence, and their job is to make sure others understand what people with a disability are saying, untampered.     Basic Income  Al is currently working on the basic income movement to provide a guaranteed basic income for people with a disability in British Columbia, Canada. As a comparison, think guaranteed income for seniors (ex. Canada Pension Plan). The idea is to end the current welfare framework that has restrictions and penalizes people, and to provide a guaranteed basic monthly income with no restrictions, or requirements for reporting. Any additional income would be additive and be taxed accordingly, but would not disqualify you from receiving the basic income. If you are interested in learning more, or contributing to this movement you can check out The Canadian Basic Income Network.    My sincere gratitude goes out to Al for sharing his insights with us, and for the work he has done and is doing to make the world a better place. Thank you, Al!  I couldn’t cover all the content from the podcast in this blog – there was just so much rich content! I consider this podcast a ‘must listen to’ for the opportunity learn from one of the most insightful and influential people in the social innovation and disability space. Also on the podcast, Al gives us a sneak peek inside the current book he is working on. Listen to the podcast to find out more!   Our mini-series on housing for people with disabilities is continuing so go ahead and Subscribeto the mailing list to get all 6 episodes sent directly to your inbox!    Love & Respect, Eric      Resources: Website: aletmanski.com   Al Etmanski's Blog: http://aletmanski.com/blog/ (Writes about issues for people who want to make the world a better place.)   Article: 'The 'C' In Canada Stands for Caring' Vickie Cammack Click Here   Al’s book ‘Impact: Six Patters to Spread Your Social Innovation’     Al's Blog referencing King Arthur’s Night (‘Evolution of Conciousness’) http://aletmanski.com/impact/artists-arent-ahead-of-their-time/       If you received value from this content please leave me a review on iTunes. By leaving a 5 star review on iTunes you make the Empowering Ability Podcast more discoverable, and more families will benefit. Click Here To Leave a Review on iTunes       The Empowering Ability Podcast is available on iTunes and various other apps so that you can listen while on the go from your smartphone!   Click Here To Listen on iTunes  

В этом выпуске вы узнаете: - Whole Life, Universal Life, Cash Surrender Value - Capital Dividend Account, Adjusted Cost Base - First-Time Donor's Super Credit, Donations - Buy-sell Agreement; Segregated Funds - Медицинские расходы и лечение за границей, Celiac Medical Expenses (gluten) - Disability Tax Credit and RDSP - Different tax credits MoneyInside.ca – ваш подкаст о деньгах, экономике и личных финансах. Оставить свои комментарии или задать вопросы вы всегда можете под этим выпуском или в группе "Финансы с Артемом" в Facebook - https://www.facebook.com/groups/CanFinanceInRussian/ Книга “Inside Banking” - все вопросы и ответы о канадских финансах простым языком. Купить Спасибо, что слушаете MoneyInside. Успехов в деньгах!

In this podcast, I interview Al Etmanski, social entrepreneur, and author of the book Impact: Six Patterns to Spread Your Social Innovation. In this podcast, Al shares many insights on his years of working to change the system of care for people with disabilities. Al proposed and led the campaign to establish the world's only disability savings plan - the RDSP. He is an Ashoka Fellow, and a faculty member of John McKnight’s Asset Based Community Development Institute (ABCD). He was recently awarded the Order of Canada and the Order of British Columbia. In this podcast episode, he provides wonderful insights from his years of experience on how we disrupt sectors or systems. This podcast was recorded over Skype.Music provided by Clint Harewood you contact him on these websites: Facebook: https://www.facebook.com/Tamo.T or LinkedIn: https://www.facebook.com/Tamo.T

In this podcast, I interview Al Etmanski, social entrepreneur, and author of the book Impact: Six Patterns to Spread Your Social Innovation. In this podcast, Al shares many insights on his years of working to change the system of care for people with disabilities. Al proposed and led the campaign to establish the world's only disability savings plan - the RDSP. He is an Ashoka Fellow, and a faculty member of John McKnight’s Asset Based Community Development Institute (ABCD). He was recently awarded the Order of Canada and the Order of British Columbia. In this podcast episode, he provides wonderful insights from his years of experience on how we disrupt sectors or systems. This podcast was recorded over Skype.Music provided by Clint Harewood you contact him on these websites: Facebook: https://www.facebook.com/Tamo.T or LinkedIn: https://www.facebook.com/Tamo.T

Who are Mr. Ted Kuntz, Mr. Tim Ames, and Ms. Rebecca Pauls. The history of PLAN (Planned Lifetime Advocacy Network). The importance of planning for our children's future. Benefits of PLAN. Creating social connections. Who can access PLAN. Types of supports offered. Who are plan members. Financial planning. Wills, trusts and estates. Why a will is vital and why it’s important to work with a professional. RDSP. Workshops and retreats offered and how to register. Who are caregivers. Laws, policies and government. How to join and be a lifetime member. What they love about their work. Autism in their own words.

This week on Hull on Estates, David Smith and Nadia Harasymowycz discuss a fairly new investment vehicle that has been set up by the Canadian Government to allow for Canadians with disabilities and their families to save for the future.  More specifically, this podcast discusses how one can use this investment fund as an estate planning tool.    If you have any comments, send us an email at or leave a comment on our .   .   .

Enzymverstärkte Testsysteme wie der ELISA finden in der serologischen Diagnostik bei Hühnervögeln bereits breite Anwendung. Beim Wassergeflügel gilt dagegen immer noch der Hämagglutinationshemmungstest (HAH) als Test der ersten Wahl. Für große Probenmengen ist er jedoch ungeeignet und insbesondere bei Seren mangelhafter Qualität mit dem Problem unspezifischer Reaktionen behaftet. Daraus ergibt sich die Notwendigkeit der Etablierung alternativer serologischer Testverfahren auch für das Wassergeflügel. Basierend auf einem monoklonalen, gegen die leichte Kette von Pekingenten-Immunglobulin (Ig) gerichteten Antikörper (mAk 14A3) (Kothlow et al., 2005) wurden im Rahmen dieser Arbeit indirekte Testsysteme für das Wassergeflügel etabliert. Die Kreuzreaktivität des mAk 14A3 mit verschiedenen Entenspezies (Flugente = Cairina moschata, Stockente = Anas platyrhynchos, Weißflügelente = Asarcornis scutulatus, Spießente = Dafila acuta) sowie zwei Schwanenspezies (Höckerschwan = Cygnus olor, Schwarzhalsschwan = Sthenelides melanocoryphus) und zwei Gänsespezies (Hausgans = Anser anser var. domestica, Rothalsgans = Rufibrenta ruficollis) wurde mittels Western Blot (WB) überprüft. Der Antikörper wies Reaktivität gegenüber der leichten Kette des Serum-Ig aller getesteten Wassergeflügelspezies auf. Mit Hilfe seropositiver Seren von gegen aviäre Paramyxoviren des Serotyps 1 (APMV-1) geimpften Hausgänsen und Moschusenten konnte gezeigt werden, dass der Antispezies-Antikörper fähig ist die spezifische Färbung APMV-1-infizierter Zellen im Immunfluoreszenztest zu vermitteln. Darüber hinaus bewährte er sich auch im indirekten ELISA und im WB (Kothlow et al., 2008). Mit dem etablierten indirekten Newcastle Disease (ND)-ELISA ließ sich in Seren adulter Moschusenten und Hausgänse drei Wochen nach Vakzination mit einem inaktivierten ND-Impfstoff für Hühner eine Serokonversion nachweisen, die bis zum Versuchsende (10 Wochen p.v.) anhielt. Zwischen den ELISA-Werten und den parallel ermittelten HAH-Titern war eine positive lineare Korrelation feststellbar (Pearson’s product moment correlation; r = 0.652; P < 0.001). In Woche 7 und 10 nach der Impfung erkannte der ELISA jedoch zehn Seren geimpfter Tiere mehr positiv als der HAH, wobei für acht dieser Seren mittels WB eine spezifisch gegen aviäre Paramyxoviren gerichtete Reaktivität bestätigt werden konnte. Die sich aus dem Vergleich der Tests ergebende relative diagnostische Sensitivität (rDSe) des ELISA (100.0%) war höher als die des HAH (91.1%), seine relative diagnostische Spezifität (rDSp) etwas niedriger (ELISA: 91.7%; HAH: 97.2%). Die zweimalige Testung aller Seren unter den gleichen Versuchsbedingungen ergab eine sehr gute Wiederholbarkeit des etablierten ELISA mit einer positiven linearen Korrelation der Ergebnisse (Pearson’s product-moment correlation; r = 0.982; P < 0.001; ls = 0.05) (Häuslaigner et al., 2009). Der untersuchte monoklonale Antispezies-Antikörper stellt somit ein attraktives und vielseitig einsetzbares Reagenz dar, das die Möglichkeit eröffnet, serologische Testverfahren für das Wassergeflügel, zum Einsatz in Diagnostik und Forschung zu entwickeln. Der etablierte indirekte ELISA erwies sich als gut geeignet, die Immunantwort beim Wassergeflügel nach ND-Impfung zu detektieren. Die gute Reproduzierbarkeit seiner Ergebnisse spricht für eine hohe Aussagesicherheit. Basierend auf der sich aus dem Vakzinationsstatus ergebenden diagnostischen Sensitivität (DSe) (92.2%) und Spezifität (DSp) (96.2%), kann der etablierte ND-ELISA als geeignete Alternativ- und Ergänzungsmethode zum HAH (DSe 83.0%, DSp 100.0%) angesehen werden. Vor allem zu späteren Zeitpunkten nach Viruskontakt scheint er mehr seropositive Reagenten als der HAH zu erkennen, wohingegen sich letzterer in der DSp überlegen zeigte. Die Ergebnisse der serologischen Untersuchungen unterstreichen zudem die Immunogenität des inaktivierten ND-Impfstoffes bei domestizierten Hausgänsen und Moschusenten, wobei die doppelte Hühnerdosis eine effizientere Antikörper-Antwort zu induzieren scheint.