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Back to School
Adults go back to school for many reasons – from literacy education to professional training and skills. In fact, about one in three adults participates each year in some form of organized learning program.
FINANCIAL TIP: The Lifelong Learning Plan (LLP) is a government program that permits you to withdraw from your RRSP to fund your education.
Study Canada – CEC Network
University of Manitoba
University of Winnipeg
Red River College
Canada Revenue Agency – Lifelong Learning Plan
Statistics Canada – Education and Higher Earnings
Service Canada – Skills Upgrade/Training
Change in Career
Today, it’s not uncommon to pursue more than one career in a lifetime. It’s never too late to explore new options.
FINANCIAL TIP: Changing careers requires a careful review of your insurance and pension plan. You may want to switch to an individual insurance plan, or you may be eligible for a retiring allowance if there is a severance package.
Start a Company
From Tim Hortons to Trivial Pursuit, Canadians know how to innovate. Start a new business or take charge of an existing one, but be smart about the finances.
FINANCIAL TIP: When starting a company, you should protect your personal and family assets from creditors in the event of business failure.
Get the most out of your business, whether you’re passing it down to your children or selling to the highest bidder in a hot market.
FINANCIAL TIP: It can take several years to optimize your tax position for exit from your business. Although you may not be ready to leave now, it’s important to set a plan in motion.