Most retirement advice is geared towards couples, but many people face retirement planning by themselves, especially women. Compared to men, fewer women re-marry and women are more likely to lose their spouse early on in life. Currently, about 40 percent of women aged 45 to 65 are unmarried. While it might seem unfair, these women need to save more money for retirement than they would if they were part of a couple. MoneySense found that single women need 70 percent of the ret

Enjoying a lovely afternoon tea during a regular follow up visit with a client, his housemate and visiting nurse support person (and recent addition to the family “Cookie”). When I reach 92, I hope to be in his shoes as he has the best of all worlds. ‘R’ is healthy, astute and engaged with his social network while he chooses to live on his own terms. Having a housemate has provided him the independence to stay in his home and it has been a life-changer for his adult children

The loss of a loved one is the most stressful event you’ll experience in your life, which is why it’s so important to take care of yourself during this difficult time. While you should avoid making major decisions for the first year after your spouse’s death, there are some things you’ll need to take care of right away: Life Insurance: Making a claim to your spouse’s life insurance is the first thing you should do, so that you’ll have money for funeral expenses, legal fees, a

Not a fan of budgeting? You’re not alone! 46 percent of households do not stick to a budget, and 38 percent say they try. That means only 16 percent stick to a budget! Although it’s difficult, budgeting is worth the effort. Having and sticking to a budget can help secure your present and future financial success. The Real Reason to Budget The idea of a budget is not to restrict yourself, especially not painfully. Instead a budget helps you make calculated decisions about what