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Ron King
21 followers -
President of Specialty Wealth & Financial
President of Specialty Wealth & Financial

21 followers
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Come out to support Team Hartwell Charity Hockey Game
and cheer on your hometown!

Newcastle Stars Peewee’s
Starring #7 Aleah Hartwell
As they take on
The Durham Regional Police All Stars!

When: Saturday November 22nd
Doors at 8:00pm -Puck drops at 8:30
Where: Newcastle Memorial Arena.

Tickets at the door;
Adults - $7.00
Kids 16 and under - $4.00
Raffles, Games, Prizes, and great fun for all!

100% of all proceeds will go directly to the Hartwell’s, so please show your support!
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Ok so the market has dropped 10%, now what? Read our BLOG just released on Surviving the Market Correction
http://specialtywealth.ca/blog/
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2013 Halloween Food Drive in the Port of Newcastle Ontario, VIDEO
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Life insurance: Five good reasons to insure your kids:
Although not old enough to have accumulated assets, children and grandchildren have different needs for insurance that may have more use in the future for life insurance coverage. Here are five good reasons to start early, planning for the future for savings and risk management...read the full article at:
http://myemail.constantcontact.com/Special-Issue--Financial-Planning-for-Kids.html?soid=1110968675411&aid=-aebJ2lzlz8
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Banking is not the same as Planning: The value of CFP advice
  
There are many sources of financial advice these days. Questions can be typed into a search engine bar, and thousands of answers appear on the screen in seconds. There is a distinct difference between the sources of advice however.  If you are currently a client of Specialty Wealth & Financial, you also have access to the services of a fully certified CFP. 
 
Consider the source of advice and whether the advisor is established, reputable and what credentials they may have. Rather than working solely with specific products, the role of the financial security advisor is to look at your entire financial plan; what is the direction of your plan today, and where do you want to be five, ten or even twenty years from now? Is your advice coming from a product driven representative? If they can set up a mortgage, can they also advise on investments and insurance, or do you have to get back in the line or move to a different department to have your questions answered?
Read the full article at:
http://myemail.constantcontact.com/What-Canadians-are-worrying-about---how-am-I-doing-financially-.html?soid=1110968675411&aid=udYUTjn2GsM
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Check out what's happening to the August 2014 calendar:
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Check out our June Newsletter: What Canadians are Worrying About - How am I doing financially?
http://myemail.constantcontact.com/What-Canadians-are-worrying-about---how-am-I-doing-financially-.html?soid=1110968675411&aid=udYUTjn2GsM
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Did you know...when you have lender’s insurance for your mortgage, and you decide to move or change lenders, you can’t take your lender’s insurance with you. You may have to re-qualify for new insurance, likely at a higher premium. With personal insurance, you can switch lenders without jeopardizing insurance coverage. Read the full article at:

http://specialtywealth.ca/wp-content/uploads/2014/05/Mortgage-Life-Insurance.pdf
To learn more about personal life insurance, contact info@specialtywealth.com, or call us at 1 888 388 3114
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2014-06-04
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Did you know...if you have lender’s insurance for your mortgage, when the mortgage is paid down, your coverage DECREASES, covering only the outstanding amount of the mortgage?

If you have personal life insurance to cover the mortgage, your coverage remains the same over time. That means, when your family needs it most, additional funds could be available above and beyond the value of the mortgage that can be used to pay off additional debt, or subsidize loss of income? Consider what the future might look like for your family.
To hear more about the benefit of personal life insurance, contact info@specialtywealth.com, or call us at 1 888 388 3114.
Read the full article at:
http://specialtywealth.ca/wp-content/uploads/2014/05/Mortgage-Life-Insurance.pdf
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Personal vs. Lender's Mortgage Insurance: What happens to your mortgage if you die?
Did you know...if you have lender’s mortgage insurance, the lender automatically pays off the mortgage if you die? 

Your beneficiary has no choice about how to use the funds at a time when funds may be required most. 
With personal life insurance, your beneficiaries can choose how to use the funds. Pay off the mortgage, provide a monthly income, or take care of any more immediate need. It is their choice, not the lender’s choice.
To learn more about personal life insurance options, contact nfo@specialtywealth.com, or call us at 1 888 388 3114. Check out our website and download the full article at:
http://specialtywealth.ca/wp-content/uploads/2014/05/Mortgage-Life-Insurance.pdf
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2014-05-26
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