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Franklin Resources, Inc. Franklin Resources, Inc. Press Releases and Statements. Beyond Bulls and Bears Blog (U.S. RESIDENTS ONLY). Beyond Bulls and Bears Blog (RESIDENTS OUTSIDE THE U.S.). Board of Director Contacts. Working at Franklin Templeton. Commitment to Our People. College and University Connections. Franklin Templeton Global Sites. Middle East and Africa. Gulf and Eastern Mediterranean. Latest News & Events. Beyond Bulls and Bears. Investment Adventures in Emerging Markets.

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Sitemap | David Raves

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This information is designed to educate and inform you of financial strategies and products currently available. As each individual's circumstances differ, it is important to review the suitability of these concepts for your particular needs with a Qualified Financial Advisor.

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Group Insurance – Only Part of the Solution | David Raves

http://davidraves.com/blog/2015/03/15/group-insurance-only-part-of-the-solution

March 15, 2015. Group Insurance – Only Part of the Solution. Ownership of individual life insurance at its lowest level in 30 years. The Life Insurance and Market Research Association (LIMRA) 2013 study shines a light on a developing problem for Canadian households:. Individual ownership of Life Insurance was at its lowest level in 30 years;. 3 in 10 households did not have individual life insurance at all;. Why Group Life Insurance may not be all that you need. Group Insurance is not totally portable:.

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Stay Safe this Summer | David Raves

http://davidraves.com/blog/2015/05/07/stay-safe-this-summer

May 7, 2015. Stay Safe this Summer. By Anna Sharratt, BrighterLife.ca. David Banerjee got a big lesson in water safety when he was seven. On his first canoe trip with his father in Muskoka, ON, the canoe capsized, tossing both of them into deep water. I dog-paddled towards shore, and I assumed that my father knew how to swim because he was, after all, my father, and capable of anything, says Banerjee, a Toronto teacher. But my father had never had the opportunity to learn to swim properly. Bright Ideas:F...

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Life Insurance | David Raves

http://davidraves.com/blog/category/life-insurance

Posts from the ‘Life Insurance’ Category. The Single Premium Insured Annuity. Available until January 1, 2017. A new method of structuring an insured annuity has restored its favourable results. The new approach involves combining the prescribed annuity with a Universal Life policy. The UL policy is funded with a single deposit to provide lifetime coverage. The remaining capital is then used to purchase the prescribed life annuity. On the death of the insured/annuitant, the annuity income ceases. The goo...

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David Raves

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Ten ways to stay healthy while travelling. 5 Easy Ways to Meet Your 150 Minutes. What's the Best Diet? 9 Healthy Workplace Commandments. Five great reasons to leave your desk at lunch. Considering camping this summer? Stay Safe this Summer. Avoid risks of sitting: Stand up for your health! Travel vaccinations: What to know before you go. One Simple Solution for Medication Safety. What to do if you’ve (just) been fired. By Kira Vermond, Moneysense. Dismissed, downsized, dumped? Yet the moment you hear the...

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Financial Calculators | David Raves

http://davidraves.com/financial-calculators

Here are some financial calculators that will guide you in some of your financial planning decisions. How Much Life Insurance do I Need? What Will My Investments Be at Retirement? Is a tool that will guide you through the steps of determining the right amount of Life Insurance, Disability or Critical Illness. For quick insurance rate calculations, visit Manulife Rates to Go. 8211; Income calculator and a Retirement Expense Worksheet. Calculating your Life Insurance Needs. Retirement Cash Flow Calculator.

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Estate Planning for Blended Families | David Raves

http://davidraves.com/blog/2015/06/11/estate-planning-for-blended-families

June 11, 2015. Estate Planning for Blended Families. Avoid Disinheriting Your Children. Typically spouses leave everything to each other and when the surviving spouse dies, the remainder is divided amongst the children. The problem? Even with the best of intentions, there is no guarantee that the surviving spouse will not remarry and inadvertently disinherit the deceased’s children. 6 Estate Planning Considerations for Blended Families. Registered Retirement Savings Plans. To take advantage of the tax fr...

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Avoid risks of sitting: Stand up for your health! | David Raves

http://davidraves.com/blog/2015/04/11/avoid-risks-of-sitting-stand-up-for-your-health

April 11, 2015. Avoid risks of sitting: Stand up for your health! By Anna Sharratt, BrighterLife.ca. Prolonged sitting can raise your chances of developing a serious illness and it may take more than a once-a-week workout to reduce the risk. Toronto lawyer Patrick Simon sits a lot. I sit for 10 to 12 hours per working day, says Simon, 38. I try to take walking breaks, but often I will remain seated without getting up for up to three hours at a stretch, and sometimes even longer. Prolonged sitting is link...