Mike Singh:The Canada savings bond is offered by the government of Canada to investors from early October through April 1. These bonds were introduced in 1946 under the name "Victory Bonds" to serve as a viable and secure option for investors who wanted more security than mutual funds or stocks could offer. Before this time, however, Canada had trading instruments that were similar to Savings Bonds, such as the Canada Fourth Victory Loan of 1943 and the Canada-Dominion War Savings Certificate, issued in 1944.
1) The Canada Retirement Savings Plan (RSP): This is a no cost RRSP (registered retirement savings plan) implemented for carrying Canada Premium and Canada Savings Bonds. 2) The Canada Premium Bond: This provides a fixed rate of return in regular and compound interest. 3) The Canada Retirement Income Fund (RIF): This is no cost fund implemented for carrying the Canada Premium and Canada Savings Bond.
The Canada Savings Bond and the Canada Premium Bond are very similar; however the Savings Bond can be cashed at any time of the year, while the Premium is cashable only one time a year. Either bond can be purchased with a registered retirement savings or a retirement income fund. Premium bonds will always have a higher interest rate than those of Savings bonds sold at the same time. They can be purchased in compound interest form or simple interest form, and one kind can be exchanged for the other at any time.
One reason that Canada Savings Bonds are popular is the security they offer to investors. Since they are backed by the government, they make an excellent addition to the secure portion of any portfolio. In addition, Canada Savings Bonds have a guaranteed interest rate: they can increase along market lines, but never fall below a stated percentage for each investment period. They are an affordable option for almost everyone, with prices as low as $100.
The Canada Saving Bond, which is available only to Canada residents, can be purchased on-line, on the phone, in person at a bank or from an investment broker during its six-month enrollment period. It can even be acquired through a direct payroll deduction, making them accessible to just about everyone in the country. And, there is no brokerage fees involved in purchasing a Canada Savings Bond. With millions of Canadian investors purchasing bonds every year, the security of these bonds will continue to strengthen portfolios of investors around the country.
Do you feel tired most mornings even after an 8-hour sleep? Do you need to force yourself off the couch after work to cook dinner or even get ready for bed? Are you thinking to yourself why you are so tired? There may be some reasons why you may feel this way, such as stress, not eating enough and not exercising. Have you ever had one of those hard days where your bust to get home? Boost Your Bust Review You feel tired and possibly have a severe headache to add to your discomfort. Imagine this scenario; They come home and are welcomed by their loving husband. Already prepared dinner. The music is playing, and then your favorite song lights up. Turn up the stereo volume and take your hand. Pretty soon you’re sitting all over the room laughing and smiling as if you did not have a care in the world! I waited; Only a few minutes ago you were ready to collapse and let’s not forget that nasty headache.
What happened? Energy can be manipulated by well-known ones like diet, exercise, and stress, but it can also be dependent on your emotional state and mentality. Let’s see how you can increase your energy naturally. Grab a piece of paper and start listing all the things, activities, people and circumstances that make you happy. Base the list of things you have experienced, as well as things you do not have, yet. Create a journal from Monday to Sunday. For each day start to slot into various activities or people that you can see or do on those days. Try to stick to your “diary” of fun things and vary from week to week. By injecting your week with the novel as well as proven pleasure activities, you will increase your energy. Being in a routine can make us focus on the negatives and get caught up in the hassles of everyday life.
As you try to blend your week, you will begin to rekindle your passion for life. Give it a try! Any situation where you are creating joy and lowering your stress levels is a good thing. We all have personal preferences for what kind of music we like. Any music, but especially those with an optimistic melody, can change our state of energy. Come home from work and lift the stereo. He dances like crazy around the room and releases any stored voltage. This tip works a charm on stressed business people. A client of mine has a “personal music hour” on the weekend where she dances like a crazy woman to release any stress! This “theory” has been tried and tested and works. It is so important to eat every 3-4 hours to keep your blood sugar levels, so you do not feel weak or start to lose focus. Breakfast is a must in your pursuit of energy throughout the day. Add protein to keep it full for longer and fruits like berries for an extra kick of vitamins.
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