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Being Lutherwoodua fowl agency that , ‘ tron and working through them that are not formally advertised, As marketing and selling your passed over for a rob does not offerr empkrymenrxupporras well will help keep our spirits up, access valuable information and skills and experience in a social mean you do not have valuable at a range ofoIhersertlrces to more when you first begin lUb support from others, and getaway setting may not come eastly. you skills. it pust means that for that than 22,500pcopleannuallytn ‘ searching you don't have a sched- from applying to popular job post may find you have to keep particular position at that particu- Walwloo Region and Wellmgran ’ tile or plan ings on the computer v_ an open mind on the variety lat company. you were not consul» ’ County 4 ‘ Don’t forget the financial sunblock before going south {your winter sojourn is taking your provrncral health‘coveragt This is vital to your financial you're adequately covered by your Iyou south this yeart here’s to ' , health You might be able to fake financial sunblock, you'll have a great fines in great places wnh UpdaleydulWIlland ' care of most of your finances Via much more entoyable â€" and' great friends, MofAtwmzy' computer but managing your potentially much less catastrophi- i And don't forget your sunblock This is especially important if ' portfolio of mutual funds or secu- rally expensrve fi southern , ‘ especially your financtal sun- youolirriU 5 property titres may be better left to your 50)0um block! Use it liberally to “out the Death in a foreign country \ "home»based” financial advtsor By the way, you can get the best i financial pain that could otherwrse camplicates estate issues Be sure financial sunblock preparation ‘ become an unwanted guest during your relatives and executor know , ‘ Payynutbtlh (and overalbfinancial plan) for 'l your vacation, 5 where to find your will. , _ » ‘ Pay outstanding bills before you your particular situation from your ', Here's a sample of effect.” Perhaps name a trusted person e r' . "I leave and male arrangements to professional advrsor ’ ‘ financtal prec.u(|gn§ that mil help as your Power of Attorney to man- ‘ ‘ pay those that will arrive while For the best protection during l keep your vacation pain-free age your domestic finances Whlil" 1 you're away â€"â€" pithaps through your holiday and for your overall ' you're away ‘ liiternet banking ' financtal life. call before you pack l ' Get the “fl" medial imam You should have a lawyer in the , Get adequate out-of-country U 5' review your Will and POA to Brimyouungetnlh ‘ medtcgt insurance “to” leavmg see if adequately deals With your whenmneed It 1 , 4 Canada Provrncial health plans U S P'OPCTW , Arrange for access to cash "- are never enough to cover U S there, including average time over through ATMs f and be sure you muttrluirinupmmded by Man tutu l medical costs Make sun- your cov» Wadi thou um the past three years have a duplicate ATM card in case (imtip Prltulr Wvullh Maytag-own crage is adequate _ and remeiit- The U S and some other coun- Actively manage your financial your original is lost or stops work- unity/Run Mt-Fat'hrrrl. (SFPtfPtJ. ‘ bet that staying away longer than, tries require you to file tart forms if me even when you're far tum, mg tint-x 11/519 acts 2360 at an orgy/o ‘ three months could teopardize you spend more than six months home - when you‘re confident that rimmmachnici‘om o 1 a ‘ a y o o a . i Study said paying down debt Ontarians top prio rity this year i , i or 40 per cent of Ontarians, start suing for retirenient‘ ' ofthetr retirement goals l P savrng for retirement is tak- mum dams-«wane ‘ - “Sewng for the future can be Mboul 4] per cent til those ing a back seat to servrcing . 0 52 per cent said they were easier it you put your invesi- who have not yet retired say they the" debts focused on paying offdehtr . i merits on autopilot With a pre are confident that they are on According to a study released ::::"' g i authorized contribution plan to track to retire at thi‘ age lht‘Y want Monday by Meridian, Ontario's - Sl per cent said they m$ tontribute to an RRSPtirTFSA largest credit union. 2] pg, cent ”I (”11de tafford it. and 21, m'"" “m "if you coordinate the wrth» -Near|y oneâ€"iii five Ontarians Ontarians say their top financial 4:75: drawals to align wrth your pay- [it! per centi say ihex expert wine priorityis payingnfldebt,whtle 19 - 49 per cent indicated say ”'" tlai the money likely won I sort of Inht'llldlltt' (t) ht‘ip Mllh per cent say it is to pay down the" ing (or retirement is not a pri- 21-5” ”E6 r-ven be missed their retrremr-rit nerds mortgage otrty for them at the moment , ”a -- - :_".:-_-::..‘ the study also revealed that An additional 10 pct rent said _ "Saving for lt‘lIN'llH'llf while their (OP. financial pmmyy was m M household debt in "' """""" ":_â€":_':::: - ltlthl’s m per with, pen paving (limit your debt or mortâ€" stop having to live payrhequeltr Canada hits a new high it s = ”a.-.” sum plans from work Hit} per gage "wants you rir-r-tl to lie-proac- paychgque encouraging tti s" Ontarians m “W“ """'~'- tent, and lPSAs int) per rr-ntl live and hiki- liltllgi' til votir per The findings from Meridian ‘ in ngnizing how important 1 at!“ the most popular tutu-â€" sonal firtattuvs, but the short and Ontario Retirement Study. (on, debt repayment is to thII it "if \ r merit sawngs products held by longâ€"tun" benefits are well worth ducted by llarris/Decrma, raise finflnflll lulu",w said Bill Mair l . 62 ‘fl‘: Ontarians the effort said Maiirrn serious questions about the long ”W M'tldlln 5 Mimi! ‘ in” i "" IV ' ’lht- first step I\ to determine term financial srtirrrty of many Exerutrve Offirrt and ( hrel ‘ . ‘5 75“ ‘.'.‘_‘"r - -ltiday's trntarrriris plan to your find!!! Idlgrials and work mth Ontarians hnantialOffiret i an“ ck) :_..j :. Ia: l’t‘lll’t' at M years of age, WhIiP a |l\l\l1’\i (mam likl edicts-or in build Of the 2l tit-r (Pm of resptm At the same lllnt‘. however, 1 ~~::3- ' '- ' ;" 53:- (Ullt‘l’ll return on au'lagl‘ a plan that will help you athrrve dents who said they had yet to l' ‘ lmlmflfll“ '0 m" N“? “It?” fâ€"_' retired .it 3,9 yearstil age ”w,”