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While most Canadians will receive benefits from the Canada Pension Plan, a broader approach to investment is needed to ensure a comfortable retirement, especially for those who fall outside the umbrella of defined benefit plans. The Canada Pension Plan is a government-backed pension program that provides an income to retirees, but because it can only pay up to a specific limit, it should really be seen as just one piece of your overall retirement planning strategy. The Canada Pension Plan pays a pension out to its members once they hit retirement age, usually at age 65, based on how much money they put into it over the years. The maximum payout for the CPP (at retirement) was $1,065 per month in 2015, while Old Age Security pays about $565 per month.
Some observers have been asking for changes to the contribution limits for years, including Laporte who eventually set up his own pension plan to help incorporated professionals save for retirement. The Canadian government is currently in discussions to try to amend the CPP to address some of these shortcomings, including increasing the amount of money an individual can contribute to the CPP if he or she wishes to try to build up a bigger nest egg. In Ontario, the provincial government has proposed its own provincial plan, the Ontario Retirement Pension Plan, which would supplement the CPP.
Laporte says the best bet is to find ways to save and invest for the type of retirement lifestyle you want, while the various levels of government and political parties work out what they want the government pensions themselves to look like.
Romina Maurino has spent more than 10 years covering business, news and politics at major news organizations in Toronto. Founded in 1996 by a group of portfolio managers, The Financial Pipeline is dedicated to providing financial knowledge and education to anyone and everyone with even a passing interest in Finance.
Our aim is to provide financial information at all levels for financial consumers and investors. The most certain thing about any business is the fact that it can never have a linear profile.
There may be a time where your business suffering from repeated downward growth can create problems with your cash flow such that there may be a point where running the business might become really difficult and until you get some more financing and fresh input of liquid money into it to keep it running.
A situation in which a business, individual or government offers money to a failing business in order to prevent the consequences that arise from a business's downfall. A situation in which a government pays or lends money to save a company or industry from failing.
Many people in their life reach a point where they have accumulated such amount of debt which is just almost impossible to pay back. Call the licensed debt professionals who have been assisting Ontarians for more than three decades!
All of these services are offered through our exclusive R Plan, which is a three-step process that begins with debt relief and ends with strategies designed to help you rebuild your financial life and credit rating.
Perhaps you've seen some of those TV or newspaper ads with unlicensed Credit Counselors or debt settlement firms? Trustees in Bankruptcy (unlike Credit Counselors) must be fully licensed by the Government of Canada and abide by a strict code of conduct before they can provide you with protection from your creditors. In other words: Anyone can be a Debt Counselor, with no prior training, code of ethics or licensing required.
You can resolve your income tax debt problems, small business issues and crushing payday loan debts — all with one simple monthly payment. It's as simple as dialing 310-1100 toll-free from any area code to speak with one of our consultants. Or… Let us call you at a convenient time by clicking here and requesting an on-line call-back! We will set up a free, confidential consultation for you at one of our 53 offices across Canada — there is one near you!
A Consumer Proposal is appropriate for someone who cannot repay their debts in full but who has the means to repay a portion of the debt owing. Secured debts, such as mortgages owing on your home and leased or financed vehicles (to cite a few examples) are not part of your Consumer Proposal and must be dealt with directly with the secured creditor. You negotiate to repay only a percentage of what you owe – the rest of the debt gets forgiven at the end of the Proposal (i.e.
Interest is frozen from the date that you file A Consumer Proposal can be 1-5 years in length.
If you are considering the sponsorship of a family member through the Canadian immigration process, a Bankruptcy filing could stall that process. Potential for less of an impact on your credit rating long-term than a Bankruptcy (3 years versus 7 years). Recent legislative enhancements to the BIA (including an increase in the threshold for the eligibility of filing a Proposal, which rose from $75,000 to $250,000 of unsecured debts), have resulted in more Canadians than ever making the decision to choose a Proposal over a Bankruptcy. Once you fulfill the repayment terms of the proposal and attend two financial counseling sessions, you will receive a compliance certificate.
Many people are surprised to discover that Trustees are able to offer two different types of proposals through the Bankruptcy Insolvency Act. A consumer proposal is available to individual debtors whose total debts do not exceed $250,000 (excluding the mortgage on their principal residence).
If we compare either type of Proposal to a Bankruptcy, one of the major advantages of a Proposal is that you retain all of your assets. Available to individuals, receivers, a liquidator of an insolvent person’s property, a bankrupt, or a trustee of the estate of a deceased bankrupt.
Once filed, unsecured creditors have 45 days to vote for or against the proposal or put forward a counter-offer.
A mandatory Meeting of Creditors is set up by the Trustee at the time the Proposal is filed.
The Trustee will present the creditors with an estimate of what they would realize in a bankruptcy compared with the amount they would receive in the proposal. If the Proposal is rejected, the debtor may opt to file a Bankruptcy or attempt to settle with the creditors directly in an informal manner. If the Proposal is rejected at the Meeting of Creditors, the debtor is automatically bankrupt.
If three payments are missed then the Consumer Proposal is considered “annulled” , the protection is immediately lifted and the creditors have the legal right to pursue the amounts owing to them.
In a Division 1 Proposal, if in default the protection is lifted and creditors have the legal right to pursue amounts owing to them.
Paying down Proposal earlier is the ideal solution – no penalties, no interest, and once completed the debtor’s credit rating can begin to improve.
When filing a Consumer Proposal, you need to be aware that there are several different types of debt. We have discussed the basic elements of a Consumer Proposal under “Consumer Proposal Overview and Benefits”. Step 1: Contact our office toll-free by calling 310-1100 (or by clicking here to book a free, confidential consultation online at an office near you). Monthly Proposal Payment:Each month you will pay the Trustee an agreed-upon fee that is “locked in” once the Proposal is accepted by your creditors. Contact Information:If you move, change jobs or get a new cell or home phone number, you are required to update your records with our staff.
Attend a Meeting of Creditors at the Trustee’s offices (if one is called):Most Consumer Proposals get the court approval stage without a Meeting of Creditors being required. If all of the above duties are completed successfully, it’s very likely your Proposal will be, too. Bankruptcy is a legal process that can provide tangible debt relief to anyone unable to meet their financial obligations.
If you are one of the “honest but unfortunate debtors” (in the language of the federal Bankruptcy Insolvency Act, or BIA) that require protection from your creditors, you can work with our firm to get relief from your money pressures. You may be experiencing a situation where your creditors have already sent you demand letters requesting full payment of the debt, threatened to freeze your bank account or business account, or garnish your wages. If any of these scenarios sounds like your life right now, you need to get some help with your debt burden.
Step 3: The Trustee will deal with your assets by ensuring that all personal exemptions you are entitled to are assigned. Step 5: You attend a meeting of creditors, if one is called (a process that is exceedingly rare in most bankruptcy estates these days).
Step 10: A letter of discharge is mailed out to you within approximately 30 days of your discharge – you need to mail or fax this discharge certificate to the two major credit bureaus and begin the process of rebuilding your credit.
Our goal, as your Trustee, is to get you the protection you are legally-entitled to, and to deal with your creditors with respect to money owed to them. One of the major principles of Ontario bankruptcy law is that a person, dealing with overwhelming debt issues, deserves the opportunity of a fresh financial start.
John is overwhelmed by his rising debt load and needs to file for protection from his creditors. By now the picture should be clear: If you share a debt, you share the responsibility for that debt. It allows you to start collecting a pension well before retirement if you become disabled and unable to work, as long as you’ve contributed enough over the years to qualify. During her tenure at The Canadian Press, she wrote about everything from investing and personal finance to auto sector and the economic downturn.


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It is always doing good or going through periods of recession, it always travels in a sine wave pattern even the growth is like that.
Normally government bailout plans are meant for very large corporations or big players in industry. Could be because of many reasons, lack of financial planning, bad spending habits or just unforeseen issues that you could not even think of when you took that loan to start your business or pay for something that you thought you would be able to payback and manage before it got out of you control. Credit Counselors and debt settlement firms (both working in Canada and from the United States) cannot provide you with any sort of legal protection from your creditors, and they require NO licensing to operate. A Proposal is a legally-binding agreement (supported by the legislation found in the Federal Government’s Bankruptcy Insolvency Act) between you and your creditors where you agree to pay them a fixed amount of money over a specific time period in full settlement of your debts.
For example, the number of Consumer Proposals filed increased by 6.4% in August, 2011 compared with the same month of the previous year (3,775 in 2011 versus 3,547 in 2010). This releases you from any further payment obligations to your unsecured creditors for the remaining balance of your unsecured debts. Please call us today at 310-1100 toll-free from your area code so we can discuss your options with you, and help you arrange a free, no-obligation, confidential consultation at an office close to your home or work. The first of these is the commonly-known Consumer Proposal and the second is called a Division 1 Proposal. When someone files a consumer proposal, the Trustee at our firm will analyze the value of their assets, the size of their debt load and the amount of net household income coming in each month to arrive at an amount the Trustee feels the Creditors will accept. Like a Consumer Proposal, this is a formal procedure overseen by the Trustee and the Bankruptcy and Insolvency Act. Like a Bankruptcy, in either Proposal all actions launched against you by unsecured creditors (such as wage garnishments or frozen bank accounts) will be stayed (stopped).
If approved by the majority of creditors the Proposal gains deemed court approval 15 days later.
The first type of debt is known as unsecured debt (normally comprised of credit cards, unsecured lines of credit, bank account overdrafts, unsecured bank loans, payday loans and income taxes). Essential information, such as who is eligible to file a Proposal, and why such an offering to your creditors might be the best choice you make to clear up your debt problems, has been discussed.
We will make arrangements for you to attend a meeting with one of our professionals, to discuss your financial situation and all of your options.
By paying careful attention to a short list of “duties” (as outlined in the Federal Government’s legislation, known as the "Bankruptcy Insolvency Act") and completing them all successfully.
Once the Trustee has confirmed you have completed all of the required duties, he can sign off on your Certificate of Full Performance and your Proposal will be at an end. Rebuilding your credit using a variety of strategies, as outlined and discussed during the two counseling sessions you will have participated in during the course of your Proposal. Farber & Partners toll-free at 310-1100, or click here to apply for your free consultation with a Trustee.
The Bankruptcy Insolvency Act (BIA) provides bankruptcy protection to anyone residing in Canada who has a minimum amount of unsecured debt (usually $1,000 and higher). We are licensed by the Office of the Superintendent of Bankruptcy (OSB) to administer the bankruptcy process.
We will make arrangements for you to attend a free, no-obligation consultation with one of our professionals to discuss your financial situation and your options. We will then file your bankruptcy with the Office of the Superintendent of Bankruptcy (this is now done electronically and goes directly to the government, so filing is quick and simple).
In most cases you will hold onto all of your assets, but the Trustee will review this information with you before you sign any paperwork.
Each counseling session walks you through the budgeting, money management and financial rebuilding process. In many cases, a first-time bankrupt is automatically granted a discharge nine months after filing for bankruptcy unless a creditor, the trustee or the OSB objects.
But the majority of people suffering under the yoke of debt can receive relief from their creditors by following the duties laid out for them by their Trustee. When credit bureaus track what individuals owe, and their track record of repayment, this is done via each person’s unique social insurance number.
Currently he is four months behind on all his payments and the creditors are getting hostile. In this second scenario, their credit cards and lines of credit are shared between them, something called joint debt.
By keeping as much of your debt separate in your relationship you can avoid financial problems later on if one of you flounders and cannot pay down your bills. Nearly everyone over the age of 18 who works in Canada, outside Quebec, and earns over a basic minimum, currently $3500 a year, contributes to the CPP.
She continues working to help people gain a better understanding of their finances as a freelance journalist, and is also a Contributing Editor with The Financial Pipeline. You may have a positive trend in growth but there are times of slow growth or even negative growth for every business.
The way it works is that the financial planners calculate the impact if such a big industry goes out of business then thousands of people will lose their jobs and the implications of that will be huge on the economy.
In most cases you will only end up paying back a percentage of what you owe and the balance of your debt will be discharged once you successfully complete the Proposal.
And once accepted by the majority of your creditors, all of your unsecured creditors are bound by the terms of the agreement. After three years following the successful completion of your Proposal, your credit rating returns to R1 – a clean financial bill of health that will allow you to apply for new credit without worries.
This is normally a percentage of what you owe them, payable over a specific period of time (normally five years). This type of Proposal is available to businesses and individuals — there is no limit with respect to how much money is owed (other than the amount owing must be over $250,000). And once your creditors have agreed to your settlement offer, the dollar value of the settlement cannot change – even if you increase your monthly income, win the Provincial lottery or inherit a large sum of money from a distant relative.
At the meeting of creditors, the Trustee will present the Creditors with a report on the statement of the insolvent person’s business and financial affairs. The second type of debt is secured debt (including any mortgages you hold on your principal residence, a vehicle loan or lease), or any other debt that is “backed” by an asset.
But be aware that this may be only one of several options available to you (see our Consumer Proposal page for another legislative option available to you). If you are behind on your minimum credit card payments each month, or borrowing from one type of credit to pay off a bit of another, those are major warning signs that you need some help to manage your debt. We understand the insolvency process - our firm has been assisting people with debt problems for more than 36 years. So, if one spouse misses a payment on one of their own debts, that failure to make the payment of an amount owing in a timely fashion will not impact the credit rating of the other spouse.
In this second scenario, because Sophie has joint debt with John, she would be responsible for paying that joint debt in full if he filed for protection from his creditors. Because Sophie used that supplemental credit, both of them will be considered jointly responsible for all debts accumulated under that credit card account. Adjustments have been made to improve the flexibility of the CPP, and to adapt to the different ways that Canadians are approaching retirement these days.
So if they think that by helping the business with some liquid cash can make it come out of the situation then may be its better for the government to support it as otherwise if they go out it will be even bigger burden then the bailout itself. Unlike a Credit Counselor, our Trustees are required by law to discuss ALL available options with you.
This is the major difference (and sizable advantage) when compared to informal debt settlements where a settlement is negotiated with each creditor individually. All payments are made through the Trustee, and the Trustee distributes those funds (as a dividend payment) to the various creditors. As with a Consumer Proposal, in a Division I proposal, you work with one of our Trustees to put together an offer to pay your creditors a percentage of what you owe them over a specific period of time. Whatever option you choose, you will be under the protective umbrella of the Federal Government’s Bankruptcy Act.
From this point onwards, your debts are frozen, interest ceases and garnishments will be lifted. Where things can get a bit complicated is when debts are jointly-held by the two spouses (i.e. Because of this situation, John has decided he needs to file a bankruptcy but his wife, Sophie, is very concerned that his filing will affect her credit rating and her financial affairs. That’s good news for John and Sophie, because in this particular situation a bankruptcy will only affect John’s credit rating.
And Sophie cannot remove herself from a supplemental card debt retroactively – the debt would become hers to deal with.
Because a Consumer Proposal in Canada can only be submitted to your creditors by a licensed Bankruptcy Trustee (such as our firm) a debt consolidation firm or credit counselor cannot file a consumer proposal for you. Compared with the Division I proposal (see below), a consumer proposal is a simplified process.


And just like the Consumer Proposal, all payments are made through the Trustee, and the trustee uses those funds to pay each of your creditors. Both spouses need to manage their own debts and repayments in as efficient a manner as they can.
Personal circumstances, from employment opportunities, or lack of them, health, and other retirement income, affect the timing of retirement, and the gradual adjustments made in the CPP may make it easier for individuals, at the same time keeping the CPP sustainable.What is the Canada Pension Plan?The CPP is a Canadian government pension plan and is a joint federal-provincial responsibility. In that scenario, each spouse will be responsible for 100% of the debt if the other spouse files for protection (either a bankruptcy or a consumer proposal). When one spouse experiences financial pressures (as John is), further action may be necessary (a creditor could get a court order authorizing a garnishment of John’s wages, for example).
CPP benefits can include a retirement pension, a post-retirement pension, disability benefits, and death benefits. There is no interest mounting during the term of the Consumer Proposal and no additional costs levied for Trustee involvement.
We will then file your Consumer Proposal with the Office of the Superintendent of Bankruptcy (this is now done electronically directly to the government, so filing is quick and simple). Types of joint debts include bank overdrafts, lines of credit, and supplementary credit cards.
In order to stop a garnishment, or other action by a creditor, John may need to file for protection from his creditors. In general, the CPP is expected to replace about 25 percent of your pre-retirement earnings from work. The Trustee will handle all correspondence with your creditors from that point forwards, providing the relief you are legally entitled to. A supplementary credit card is one which is linked to the account of the primary cardholder, even though the name on the card may be different. But John’s wife Sophie is not required to file for protection as she is not insolvent and has no past-due bills owing. THESE VERY SAME ENFORCEMENT AGENCIES, WHO HAVE SWORN TO PROTECT AND SERVE, OUR COUNTRY, AND CITIZENS ,ARE BUT SOME, OF THE CORRUPT,GREEDY TRAITORS .ENGAGED IN THE TYRANNY AND TORTURE.
So if the supplementary cardholder is the wife and she declares bankruptcy, the husband as the primary cardholder will be responsible for the amount owing on the wife’s card. Beginning in 2012, the provision was increased to allow up to 7.5 years of your lowest earnings to be dropped from the calculation. The OSB can also direct your Trustee to call a meeting of creditors at any time within this 45-day period. Each counseling session walks you through the budgeting, money management, and financial rebuilding process.
These are extremely helpful in teaching you how to financially reorganize your life (30-60 minutes in length each). In comparison to a bankruptcy filing, a consumer proposal is designed to be straightforward and simplified.
Finishing your Proposal on time, or early, allows you to rebuild your credit and clear up your credit rating. The school district has moved to a biometric identification program, saying students will no longer have to use an ID card to buy lunch.A  BIOMETRICS TO TRACK YOUR KIDS!!!!!i»?i»?A TARGETED INDIVIDUALS, THE GREEDY CRIMINALS ARE NOW CONDONING THEIR TECH! Paul Weindling, history of medicine professor at Oxford Brookes University, describes his search for the lost victims of Nazi experiments. The chairman of the board at ESL a€” then proprietor of the desert wasteland in Nevada known as a€?Area 51a€? a€” was William Perry, who would be appointed secretary of defense several years later.
EUCACH.ORG PanelIn a 2-hour wide-ranging Panel with Alfred Lambremont Webre on the Transhumanist Agenda, Magnus Olsson, Dr. Henning Witte, and Melanie Vritschan, three experts from the European Coalition Against Covert Harassment, revealed recent technological advances in human robotization and nano implant technologies, and an acceleration of what Melanie Vritschan characterized as a a€?global enslavement programa€?.Shift from electromagnetic to scalar wavesThese technologies have now shifted from electromagnetic wave to scalar waves and use super quantum computers in the quantum cloud to control a€?pipesa€? a reference to the brains of humans that have been taken over via DNA, via implants that can be breathed can breach the blood-brain barrier and then controlled via scalar waved on a super-grid.
Eventually, such 'subvocal speech' systems could be used in spacesuits, in noisy places like airport towers to capture air-traffic controller commands, or even in traditional voice-recognition programs to increase accuracy, according to NASA scientists."What is analyzed is silent, or sub auditory, speech, such as when a person silently reads or talks to himself," said Chuck Jorgensen, a scientist whose team is developing silent, subvocal speech recognition at NASA Ames Research Center in California's Silicon Valley.
We numbered the columns and rows, and we could identify each letter with a pair of single-digit numbers," Jorgensen said.
People in noisy conditions could use the system when privacy is needed, such as during telephone conversations on buses or trains, according to scientists."An expanded muscle-control system could help injured astronauts control machines.
If an astronaut is suffering from muscle weakness due to a long stint in microgravity, the astronaut could send signals to software that would assist with landings on Mars or the Earth, for example," Jorgensen explained. These are processed to remove noise, and then we process them to see useful parts of the signals to show one word from another," Jorgensen said.After the signals are amplified, computer software 'reads' the signals to recognize each word and sound. Our Research and Development Division has been in contact with the Federal Bureau of Prisons, the California Department of Corrections, the Texas Department of Public Safety, and the Massachusetts Department of Correction to run limited trials of the 2020 neural chip implant. We have established representatives of our interests in both management and institutional level positions within these departments. Federal regulations do not yet permit testing of implants on prisoners, but we have entered nto contractual agreements with privatized health care professionals and specified correctional personnel to do limited testing of our products.
We need, however, to expand our testing to research how effective the 2020 neural chip implant performs in those identified as the most aggressive in our society.
In California, several prisoners were identified as members of the security threat group, EME, or Mexican Mafia.
They were brought to the health services unit at Pelican Bay and tranquilized with advanced sedatives developed by our Cambridge,Massachussetts laboratories. The results of implants on 8 prisoners yielded the following results: a€?Implants served as surveillance monitoring device for threat group activity. However, during that period substantial data was gathered by our research and development team which suggests that the implants exceed expected results. One of the major concerns of Security and the R & D team was that the test subject would discover the chemial imbalance during the initial adjustment period and the test would have to be scurbbed.
However, due to advanced technological developments in the sedatives administered, the 48 hour adjustment period can be attributed t prescription medication given to the test subjects after the implant procedure. One of the concerns raised by R & D was the cause of the bleeding and how to eliminate that problem.
Unexplained bleeding might cause the subject to inquire further about his "routine" visit to the infirmary or health care facility. Security officials now know several strategies employed by the EME that facilitate the transmission of illegal drugs and weapons into their correctional facilities. One intelligence officier remarked that while they cannot use the informaiton that have in a court of law that they now know who to watch and what outside "connections" they have. The prison at Soledad is now considering transferring three subjects to Vacaville wher we have ongoing implant reserach. Our technicians have promised that they can do three 2020 neural chip implants in less than an hour. Soledad officials hope to collect information from the trio to bring a 14 month investigation into drug trafficking by correctional officers to a close. Essentially, the implants make the unsuspecting prisoner a walking-talking recorder of every event he comes into contact with.
There are only five intelligence officers and the Commisoner of Corrections who actually know the full scope of the implant testing. In Massachusetts, the Department of Corrections has already entered into high level discussion about releasing certain offenders to the community with the 2020 neural chip implants. Our people are not altogether against the idea, however, attorneys for Intelli-Connection have advised against implant technology outside strick control settings. While we have a strong lobby in the Congress and various state legislatures favoring our product, we must proceed with the utmost caution on uncontrolled use of the 2020 neural chip. If the chip were discovered in use not authorized by law and the procedure traced to us we could not endure for long the resulting publicity and liability payments.
Massachusetts officials have developed an intelligence branch from their Fugitive Task Force Squad that would do limited test runs under tight controls with the pre-release subjects. Correctons officials have dubbed these poetnetial test subjects "the insurance group." (the name derives from the concept that the 2020 implant insures compliance with the law and allows officials to detect misconduct or violations without question) A retired police detective from Charlestown, Massachusetts, now with the intelligence unit has asked us to consider using the 2020 neural chip on hard core felons suspected of bank and armored car robbery.
He stated, "Charlestown would never be the same, we'd finally know what was happening before they knew what was happening." We will continue to explore community uses of the 2020 chip, but our company rep will be attached to all law enforcement operations with an extraction crrew that can be on-site in 2 hours from anywhere at anytime.
We have an Intelli-Connection discussion group who is meeting with the Director of Security at Florence, Colorado's federal super maximum security unit. The initial discussions with the Director have been promising and we hope to have an R & D unit at this important facilitly within the next six months. Napolitano insisted that the department was not planning on engaging in any form of ideological profiling. I will tell him face-to-face that we honor veterans at DHS and employ thousands across the department, up to and including the Deputy Secretary," Ms. Steve Buyer of Indiana, the ranking Republican on the House Committee on Veterans' Affairs, called it "inconceivable" that the Obama administration would categorize veterans as a potential threat.



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