Table of Contents:
• Introduction
• Drift, Drown or Decide
• The Basics
• Save Before Spending
• Examine Your Needs
• Registered Retirement Savings Plans
• Investment Options
• What to Do
• The Financial Marketplace
• Shares
• Exchange-Traded Funds
• Mutual Funds
• Exchange-Traded Funds versus Mutual Funds
• Risk
• A Word of Caution
• Income Taxes
• Insurance
• Action Plan
• Follow Through
• Children
• Death and Taxes
• Estate Planning
• Questions and Answers
• Conclusion
• Glossary
• Appendix I
• Appendix II


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M.P.P.
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"With 'So You Want More Money... Here's What Works', George Caners has done an outstanding job of providing a thorough, practical and comprehensive guide to personal financial planning. Authoritative, yet friendly and down-to-earth, this book covers everything for readers to confidently and effectively manage their money."

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SO YOU WANT MORE MONEY

In his outstanding book "So You Want More Money..." George Caners explains in a very simple way how to: - save money - invest it - minimize taxes - plan for retirement

You will discover how a simple action plan of saving only $6.50 per day can bring you $167,000.00 in just 15 years.

This book will leave you with a completely different outlook on your investments.

It is also a valuable tool to educate employees about finance.

Start now on the road to relieving financial stress and obtaining control of your own wealth!

ORDERING INFORMATION

For $30.00 (includes GST & shipping) you can order this outstanding book right now and have it shipped to you. Your book will be mailed to you within 24 hours of our receiving your order.

ORDER OPTIONS:

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Mail:
Please print out and fill in the order form and send it to the following address:

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Brockville, ON, K6V 6Z4

Find these and many more Questions and Answers in George Caners' Book "So You Want More Money..."

Do you need a lot of income to become wealthy?

It is logical to assume that the more income you have, the more you can save and invest in order to become wealthy. However, this is not always the case. Some people with high incomes feel poor, and may in fact be worried about making their next mortgage payment. They have often formed the habit of spending all that they earn. Others, with much less annual income, have become wealthy.

I have trouble saving money. What can I do?

You are probably not aware of all the "leaks" in your "savings bucket". Step one is to develop your feedback system. Once you know where your money is being spent, find creative ways to cut back. Carefully plan all purchases, and do comparative shopping. Carry less money with you to avoid impulse buying.

I'm self-employed. What's the best way to set money aside for my income taxes?

Every month put away about 33% of what you earn in a separate bank account. Simply choose the account that pays the highest interest rate. As this money will only be held temporarily, do not be concerned about buying ETFs or other equity investments with it.

I'm embarrassed to invest the small amount of money I have.

Try not to worry about having only a little money as you start out. The important point is that you are saving. Anyway, if you use a discount broker, all your transactions are handled over the telephone or via the Internet. The only time you will meet a person face to face is when you open the account. Having said that, it would be best if you could accumulate about $500 prior to investing in ETFs. There is a transaction fee of about $35 every time you buy or sell, so investing this amount will make it worth your while.

Should I have a separate savings account for my child's education?

It is not necessary to set up a separate account for education, but doing so may encourage you to save. RESPs are beneficial because the government contributes up to $400 per year per child. However, an advantage to saving outside an RESP is that if the money is not used for education, it can be used to help your child make a down payment on a house, start his/her own business, or take a vacation. The point is to always have some money squirreled away; that way you have no financial worries and you can also help your child reach his/her dreams.

I buy and sell shares with my "play" money. What's wrong with that?

Nothing, as long as you realize that your goal in this instance is not necessarily to make money, but to have fun. Remember, though, that a secure financial future is not something to "play with" .

How do I know if my financial affairs are in order?

Ask yourself the following questions. Do you have:

    • Adequate monitoring of your investments?
    • Money saved for an emergency?
    • A plan for your children's education?
    • The correct amount of disability, life and general insurance?
    • A retirement plan?
    • A contingency plan in case of the early death of you or your spouse
    • A will?

If you do not have all these things in place, do something about it. Give nagging rights to your partner or friend so that you will follow through.