Find Your Dream Job After 45 |
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This page will feature great resources and information for those seeking professional and technical employment and self employment--after age 45. Overcome any thought of age discrimination and go out with a detailed strategy and plan. For detailed help in developing the strategy and plan and then executing it please contact Bob Rempel, FMA,CFP,APR at Rempel Group Wealth & Life Strategies, 198 Royal Mint Dr, Winnipeg, MB. R2J 3Z8 (1-800-665-5604. E-mail: ''jobstrategy@rempelgroup.com'' http:// 
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Friday, November 28, 2003
Big 12 ChampionshipTickets At Arrowhead and Many More Discounted Tickets at Overstock.com! (standard disclaimer re affiliation) Thursday, November 27, 2003
Life insurance as a planning tool No solution fits all situations Arthur Drache Financial Post Wednesday, November 26, 2003 You may have seen the ad on television. A couple getting on in years is meeting with a financial adviser and the topic seems to be how to deal with the family cottage. After a comment or two which suggests that simply leaving the cottage to the kids will result in a big tax hit, the adviser raises the question of taking out life insurance to pay the tax bill. "Who will pay the premiums," the gentleman asks. "Why the kids, of course," is the answer, with some satisfied looks all around. I happened to see this ad while sitting with some family members and one of the younger ones whose family owns a cottage and has four kids suggested that as a tax planner I probably had a better answer than buying life insurance. I told him that I was a great believer in the use of life insurance as a part of estate planning, in the proper situation. And, I said, this is probably a classic example. Over the years I have advised scores of families on how to deal with cottages. Leaving a cottage to kids seems to be a much more important and emotional issue than is how to deal with the family home. Over the years I have suggested the use of splitting the interest in the cottage between a life interest (for the parents) and a remainder interest for the kids. The Ministry of Finance, a decade or so ago, found that such an interesting technique that it was legislated away. Since that time we have used trusts, corporations and non-share companies to try to pass the cottage to the next generation. Each of these techniques involves costs, some tax payable (either up front or down the line) and a high level of complexity. In the end, you don't have to be an insurance salesman to come up with the idea that the simplest approach is to deal with the cottage as you see fit, leaving it to the kids by will, and having insurance in place to pay the tax bite. Of course, there is never a one size fits all solution. Obviously, if the potential capital gain on the transfer of the cottage is small because it has not increased in value, it may not be necessary to take any planning steps. Second, if it looks like the kids are not interested in the cottage, then the simple solution is to sell it. Of course, insurance premiums may be prohibitive or the owner may be uninsurable. If this is the case, one thing to look at is "second to die" insurance where the death benefit comes only after the second parent dies, the second one perhaps being a better risk than the first. And usually this form of insurance is significantly cheaper than stand alone policies. Many tax planners who are lawyers and accountants have a tendency to find "solutions" to estate planning problems which do not utilize life insurance. And of course there are many, many situations where good planning will significantly reduce or even eliminate tax liabilities. But that having been said, life insurance is simple to use and does the job without undue complications. The death benefit is tax-free and CCRA is never going to raise a question about planning where the upshot of the plan is that the full tax liability is paid in full out of the insurance proceeds. This is not to say that the taking out of life insurance is something which requires no planning. There are always better ways and poorer ways to handle these transactions. And of course, if we were acting for the kids who the ad says are going to pay the premiums, we might want to know what guarantees they will have that the parents will follow through and leave them the cottage. Maybe there will be a second instalment of the ad. Arthur Drache, QC, is a partner in the Ottawa law firm of Drache Buchmayer LLP.; adrache@drache.com © Copyright 2003 National Post National Post Story Link
Is this the year for Gift Certificates? My friends are starting to talk about Christmas. Who is giving what to whom? How much? What to do for my two teenage daughters? My anxiety level is starting to rise. This is a link to a program that I'm involved with that can help with gift certificates for premium seating for the best upcoming concerts or theatre, nba and ncaa basketball, nhl hockey, nfl and ncaa hockey and nascar events. Give it a look if you're starting to think ahead like I am. Gift Certificates for Event Tickets Easy to scan their list of available events. All the hot tickets. (standard disclaimer re affiliation) Recently I had the experience of having my whole car and luggage searched by Canada Customs officials at Emerson. Maybe we appeared too shifty, maybe we looked like we might have bought $5 more than our 24 limit of $100. $50 each per person. The customs officer said to us, "stand in front of the car we're we can see you". I was waiting for the "keep your hands on the hood at all times" line next. In the end, customs officials did their job and we're probably written up somewhere as an example of a successful search and how to spot lawbreakers. Our purchases were below the limit as we stated, yet they found we had 1 small bottle of Aleve painkiller in our possession (an old sports injury) which we had bought in the US over the counter. We learned this product cannot be brought into Canada because it needs to be provided by prescription. There may be many others. We've learned. Ignorance is no defence. Don't be an "aleve lawbreaker". Handing Links for People and Goods Entering or Returning To Canada Sell Yourself With The Right Cover Letter Life is all about selling ourselves, our services or products. This is a handly refresher for job/career application cover letters but can be applied almost universally to other situations we face daily. Wednesday, November 26, 2003
Was looking at the how-to's of keeping your existing cell phone # when changing to a new provider. Here's some information at the Amazon along with a very nice phone, the Sony Ericsson T610. Look part way down the page to Special Offer: keep your existing phone #. Phone offer includes free Bluetooth headset as well I noticed. (standard disclaimer) Keep Existing Phone Number Yes we obviously spent some time on the Associates pages over at Amazon this am. You can click the graphic below to check whether the details of Amazon's credit card work for you. Disclaimer: Our associate id is contained in the linking. Here's a link to the Amazon Gift Store. Amazon.com Gifts Store! Just watch any of that regifting. Small Disclaimer: Yes we have to pay for our costs in various ways so you'll find our id in the link.
Taking a moment to be thankful for those you hold dear is sure to put a smile on your face, and there's nothing more attractive than a warm grin!  Friday, October 17, 2003
Popular Event Tickets Sports tickets | Concert tickets | Theater tickets - Check here for Redskins tickets | Super Bowl tickets | Aerosmith tickets | Mamma Mia tickets | Lion King tickets | World Series tickets and more. They specialize in sold out events and provide FREE FedEx shipping* on orders over $299. Wednesday, June 25, 2003
Worth Pondering June 25/03 brought to you by the Rempel Group "Retire Right Plans" "Every generation thinks it has the answers, and every generation is humbled by nature." Philip Lubin "If only God would give me a clear sign! Like making a large deposit in my name at a Swiss bank." Woody Allen Tuesday, June 24, 2003
Quotes For the Day: The bitterest tears shed over graves are for words left unsaid and deeds left undone. (Harriet Beecher Stowe) Perseverance is not a long race. It is many short races one after another. (Walter Elliott) Saturday, April 19, 2003
Wednesday, April 09, 2003
Wednesday, April 02, 2003
Sunday, March 30, 2003
from the "I get all my best material from the sports pages department" Winnipeg Free Press, C3, March 30/03 Sports Illustrated asked Jamie Sale and David Pelletier, Olympic figure skating champions, who have been dating for three years, if they ever get turned on while skating. "You know what I'm thinking about?" Pelletier answered. "I'm thinking about staying vertical, and I'm not talking about the little guy." Tiger Woods won the Bay Hill Invitational by 11 strokes despite getting sick on the final day from bad pasta prepared by his Swedish girlfriend, Elin Nordegren. Says Ron Rapoport of the Chicago Sun Times: "He wants her to cook, too?" and this golf widow funny: Woman whose husband has just died goes into the local newspaper office to get an obituary published. The obt editor informs her there is a charge of 50 cents a word. She reflects and says, "Make it read, 'Bob Smith died.' " Amused at the woman's thrift, the editor tells her there is a seven-word minimum. After thinking it over, she says, 'Let it read, 'Bob Smith died. Golf clubs for sale'." Wednesday, March 26, 2003
There are now about 5 great detailed articles on putting (free-no gotcha's) available at Strictlysports.com If you want to lower your golf score this summer, like I was able to lower mine, I'd recommend you read these articles. Signup at the site for an email that tells you how to download articles. Lower Your Golf Score Wednesday, March 19, 2003
Online Dating-Worth A Try? I say yes from personal experience and the comments of others. We've got a new site that will always have fresh content about online dating, dating in general, how to's re a fabulous love life and romance, and all things related. Aimed at those starting over at 40 or 50 but we'll keep it relevant to all singles. Yes it helps if you enjoy some aspect of sports and recreation as well. It's at Fabulous love life....or just a few dates! Have You Got Match? Take This Quick Search Test. Friday, March 14, 2003
Marketplace: Dating: Meeting Beautiful Women System You can tell not just golf and baseball are on my mind as spring approaches Meet Beautiful Women System Thursday, March 13, 2003
Tuesday, March 11, 2003
Sunday, March 09, 2003
Ebay Auctions Page We aim to become on of the largest online sellers of sports and sports related (broadly defined) items over the next 3 years. We have a great auction name and related web domain. Other plans are in place. We will collaborate with most anyone to realize maximum value for their wholesale stock or just a few items. Take a moment and drop us a note (Send me mail)with info on the kinds of items you have in your control and we'll tell you about our compensation or purchase plans. Can new drugs help you get past that afternoon body crash. Or help you feel as well with 6 hours as you would with 8 hours, the minimum recommended for our bodies. Interesting read about the effects of modafinil, a drug now used for narcolepsy. Article Link Is it possible? There would certainly be an appeal to a wide audience. Read about MGF and IGF. Slate Article by David Plotz March 6, 2003 Monday, April 22, 2002
Friday, April 12, 2002
The Globe and Mail: Search Forget freedom at 55, pension experts warn By ANDREW WILLIS Thursday, April 11, 2002 – Print Edition, Page A1 Early retirement, a dream for many working Canadians, is becoming a promise that companies and governments can't afford to keep. Companies have been able to strengthen early-retirement benefits for the better part of 20 years, often as part of moves to cut staff. The largesse reflected the fact that pension plans were flush with cash during the long bull markets. Now, demographics, low interest rates and poor stock performance conspire to eliminate the option of freedom at 55. Canada's 100 largest pension funds lost money last year for the first time in at least 22 years, according to a survey by Benefits Canada magazine. The assets that will pay for employees' golden years fell 3.8 per cent to $490-billion, the first drop since Benefits Canada began tracking the money- management industry in 1980.
TAX REFORM | Letters Why save? To what end? I did my fair share of helping to build this country to what it is. One point missed (so far) is the layering of taxation on income of retirees. This income is being taxed at least four times before I get to spend it. Why save? Why put money into RRSPs or other savings schemes? I worked, scrimped, saved, and invested with the goal of being financially "independent" after I retired. I achieved that goal, but to what end? Who benefits other than government? As with others who hold down two or three jobs. I started below the poverty level, but have managed to earn my own money since the age of 12. Perhaps one can add to Freedom 50 the idea of Total Freedom 65. George Podolsky, Oakville, Ont
News and analysis: Pulse: "Freedom 55" closer to age 65 for physicians [CMAJ - November 28, 2000] This year, for the first time, the CMA's Physician Resource Questionnaire (PRQ) asked physicians to state the age at which they plan to retire from active medical practice. While the average age of planned retirement is 63 years, there are distinct differences among demographic groups. Female physicians tend to plan to retire earlier than their male colleagues (at age 60 versus age 64). The average age of planned retirement for GP/FPs (62 years) is slightly lower than for medical and surgical specialists (64 years) (see Fig. 1). Monday, March 18, 2002
Older Men Make Better Lovers. Finally the confirmation I needed when talking with women younger than myself, which is most of themReuters | Breaking News from Around the Globe Monday, December 31, 2001
The best businesses for 2002 as seen by the Canadian based Profit MagazinePROFITguide | PROFITmagazine | Article Friday, January 12, 2001
Great advice for present and former PR professionals, the latter category I have membership in ClickZ : Targeted PR in the Digital Age
For All present and former PR professionals, the latter category for me ClickZ : Targeted PR in the Digital Age Sunday, January 07, 2001
Some excellent ideas for keeping that dream job after 45 or any age for that matter Top Ten Career Resolutions for the New Year
Here's a story of a 52 year man told that they were looking for someone younger Sell Yourself and Reduce the Competition
The new undisputed leader in universal life in Canada Transamerica Life Insurance Company of Canada, NN Life Insurance Company of Canada amalgamate as market leader Saturday, January 06, 2001
When you need a break from your dream job effort ponder this list of the top music from our rock past Beatles Revolver tops VH1 list for best rock album Thursday, January 04, 2001
What is the future of electronic publishing. Keep an eye on this area as an area that now has a more level playing field. Over 45's can be involved for many years Digital Book Turf Battle Escalates Over Royalties Sunday, December 31, 2000
A list of top 10 businesses to get into now from Canada's Profit magazine PROFITguide | PROFITmagazine | Article
If your depending on the markets keep this in mind. How markets get moved and then how they can tumble How Did So Many Get It So Wrong?
This will be hot. Tie together a business book, the Internet and a consultancy Business Book Turns a Page With New Form
A systematic method for problem solving or goal achievement in individual or group settings; as the writer says, the solutions or answers become obvious when the steps are followed systematically How to Program Your Mind to Think Your Way to Heartwarming and Wonderful Success in These Tricky Times
Some worthwhile thoughts on what you really have to do with your personal financial planning starting in your 20's and 30' s to retire in your 50's Dreaming of Retiring Early?
Another how to heal yourself idea. One I subscribe too personally. Jump-Start Your Health with Laughter -- Yes, Laughter!
Getting comfortable with the discomfort we feel with our (unfufilled?)lives in middle age How to Start -- Today! -- to Enjoy the Rest of Your Life Friday, December 29, 2000
Can you create a dream job developing web logs. I'd like to try. How about you? Invasion of the 'Blog': A Parallel Web of Personal Journals
Many days you'll need inspiration and courage plus focus to stay on course Buid momentum and fulfill lifelong dreams, from FindYourDream Tuesday, December 26, 2000
If you want to be an entrenpreneur this article has great advice about how to find a real need that you can fill. ClickZ : Entrepreneurship on the Internet Wednesday, December 20, 2000
An excellent report to help us focus in on what consumers want particularly in a retail environment Use this knowledge in obtaining and show management you are current and with it, no matter your age Acumen Research Group - Consumer Eyes 2000 Report Tuesday, December 19, 2000
Good article on how longer life spans are making us change the way we look at the need for a specific retirement age The Basics -- Is it time to retire the idea of retirement? - MSN MoneyCentral
A great fund to have in your after 45 portfolio AGF International Value AGF fund rides value to the top Sunday, December 17, 2000
Is your dream job investment genius. Let pros find the winners and benefit from the potential large gains on your investment The Mass Marketing of Venture Capital Saturday, December 16, 2000
If your future involves working in the United States under NAFTA you need to know the details in depth NAFTA For Your Information Friday, December 15, 2000
Finding and keeping that dream job(s) and activities is much easier if you stay current in your field and develop new skills and talents Encarta's Guide to Continuing Education--Encarta Extension Thursday, December 14, 2000
Tuesday, December 12, 2000
Your Dream Job After 45 Could Be Active Retirement. Here's Some Comments From Current or Soon to Be Retirees to Mull Over You Plan Your Future Years NATIONAL POST ONLINE | News story Saturday, December 09, 2000
A New Opportunity For The PR Pros That Could Benefit From Some Free Psychoanalysis Themselves Analysts Turn to P.R. to Market Themselves Thursday, December 07, 2000
An excellent lower risk equity fund for your retirement years ahead Value management boosts Ivy Canadian Wednesday, December 06, 2000
Tuesday, December 05, 2000
We'll throw a few sound investing ideas in here to keep building a sound portfolio to go along with your dream jobForbes.com Friday, December 01, 2000
Wednesday, November 29, 2000
JA shows high school students the opportunities in sports and entertainment JA launches program on sports, entertainment jobs
Job Seekers Still In High Demand Despite recent layoffs, job seekers still abound and find big perks in the hunt
Job seekers survey with some interesting findings re strategies Finding a job more difficult than getting a date: report
Finding jobs for others strategyThe business of finding people jobs is lucrative. But will it always be?
An article resource for information on what makes a company great to work for ROB Magazine - Cover: 35 Best Companies to Work For - February 2000
A good list of alternative job seeking sites. From the partners at WorkopolisMore jobs turning up on Web, readers say |
