Yuka Financial advisor

Manulife's Advantage account is still going on the Promotion!! It's a Checking account, so you can freely deposit and withdraw, and you get 5.75% and after the promotion is over, you will always get the base rate 2.85% still.
Please contact us 😊.

TD Bank stated that discussions with the three U.S. regulators and the Department of Justice are ongoing and additional fines are expected.

We who deal with financial products are always trained in compliance. Audits of financial institutions are very strict.

TFSA, RRSP, HISA, and FHSA are all "investments".
I always say invest with an investment company! The reason why. It is such a different way to handle it between them.

You want to go aggressive, but you also want to protect what you have. So?

Spring Campaign!
Offer of 5.75% interest rate on Checking Accounts! It means very flexible. The highest rate we have ever seen!
You can apply even if you have applied before. Send me DM 🎉🎉🎉

Since the end of 2010, homeowner net worth has increased from 9 times disposable income to 13 times disposable income. During the same period, renter net worth increased from 3 times income to 3.5 times income; in 2022, renters put 29% of their take-home income into housing, while homeowners pay 21% into housing (building up savings through housing assets).

buying or Not buying?

Since the end of 2010, homeowner net worth has increased from 9 times disposable income to 13 times disposable income. During the same period, renter net worth increased from 3 times income to 3.5 times income; in 2022, renters put 29% of their take-home income into housing, while homeowners pay 21% into housing (building up savings through housing assets).

To buy? Not buying?

https://financialpost.com/news/canadian-renters-squeezed-more-than-homeowners

We have received a price increase notice from Tugo, a travel insurance company. If anyone is thinking with Tugo travel insurance, please contact me today.

Canada Dental Benefit

If your income is less than $90,000, maybe you can get it.
Some people ask me, "We have about $100,000, but can we get it?"
Are you adjusting your income properly? Ask me how to manage them.

https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html

RRSP season now!
Did you contribute already? Contribution in 2023 will close by end of February.

I just share you my client result in 15 days.
She got almost 40 dollars interest within 15days.

Please contact me when you are ready!

No change on interest rate as Bank of Canada sticks to 5%

It is time for TFSA, RRSP. Various companies are offering various promos, but after doing some research, it is to be the best for our clients.

5.5% until April 15 and you can move to the GIC1yr rate of 4.5%.

If you can keep it for more than 2 years, you have the option of using Canada life, 4% + prime rate until the end of April, and after that you can move to money market to do dollar cost.
For RRSP, this is by far the better option. Because it's long term.

If your plan is for 1year or less than 2 years to withdraw, I recommend the 5.5% promotion above.

Thank you for allowing me to offer my services and for believing in me. I appreciate your support, loyalty, and most of all, your friendship.
Thank you for your continued support.🥰🥰🥰

Did you write letter to Santa?
Canada post receive by tomorrow!!✨🎄🎅
https://www.canadapost-postescanada.ca/cpc/en/our-company/giving-back-to-our-communities/write-a-letter-to-santa.page

【Two weeks remaining!】
You still have until December 15, 2023 to open a high-interest Advantage Account and earn 5.25%* interest for four months!! When the promo ends, your clients will continue to earn an industry-leading rate of 2.85%** on every dollar, every day to keep their funds growing!

Please call me or message me!!


*The 5.25% promotional rate is for new deposits to a new personal, non-registered, Canadian-dollar Advantage Account. The promotional interest rate is made up of the regular posted annual variable interest rate of 2.85% and the variable annual promotional rate of 2.40%. Interest is calculated daily and paid monthly beginning on the date of application and continuing 120 days (4 months) on net new deposits to a maximum of $500,000. Any change to the regular interest rate will result in a corresponding change to the promotional interest rate. The offer is limited to one account per client and cannot be combined with other offers.
**As at October 18, 2023 the variable annual interest rate of 2.85% is applied to all funds in the account. Interest is calculated daily on the total daily balance and paid monthly.

We have started a promotion where you can earn 5.25% interest when you open a new savings account! Other companies have started their promotions as well, but what makes us different from other companies is,
✨No fixed your money on your account. You can withdraw your money at any time.
✨No account maintenance fee
✨I will be responsible for your account account application!

Please DM me if you are interested in!!

I was invited to the convention and went early in the morning. I wonder why these meeting rooms in hotels are called always BallRooms.... the Breakfast at the hotel was delicious😊.

This is a must for anyone who is about to renew their Mortgage! When Liam and Penny(hypothetically) refinance, they will save $33,561 in interest costs and pay off their loan a little over 9 years faster than a traditional mortgage.

They also now have a brrowing room of $260,000. This gives them the peace of mind they need to deal with any unexpected expenses. If you are concerned about having an open variable rate on all of your debt, you can also choose to have a fixed rate on a portion of your current debt.
Why pay less when the rate looks so high? Please contact us to discuss your options!

🚀 新しいファイナンス部門ウェブサイトが公開します！ 🚀

皆様、お待たせしました！カナダのファイナンスについて日本語で詳しく書かれたWEBサイト、finance.beavernetwork.comがついにオープンしました。私たちは、より詳細なファイナンシャル情報とリソースを提供し、お客様の経済的な目標を実現するお手伝いをさせていただきます。

💡 新機能や専門知識のシェア
📈 最新の金融トピックと投資戦略
💼 個人および事業主向けのカスタマイズされたアドバイス

私たちはお客様のファイナンス面を支援し、将来への備えをサポートします。ぜひ新しいウェブサイトをご覧いただき、ご意見やご質問があればお知らせください。

https://finance.beavernetwork.com

#ファイナンス #ウェブサイト #新規公開 #財務計画

Home - Finance カナダのファイナンスのWEBサイトホームページになります

Hello Everyone! It is payday today!! Check your bank account.

The size of your GST/HST credit depends on your net family income, your marital status and whether you have children.

For the 2021 tax year (which pays out from July 2022 to June 2023), the maximums are:

$467 if you are single.
$612 if you are married or have a common-law partner.
$161 for each child under the age of 19.

If you are a Canadian resident and you file an annual tax return (even if you don’t have any income to report) you will be automatically considered for the GST/HST credit.

If you are a new resident to Canada, you will have to fill out a form and submit it to a local tax centre. The specific form required depends on whether you have children or not.

If you have children, you’ll need the Canada Child Benefits Application, or Form RC66. This form is for all child and family benefits including, but not limited to, the GST/HST credit.
If you do not have children, you’ll need the GST/HST Credit Application for Individuals Who Become Residents of Canada, or Form RC151.

The Advanced Canada workers benefit (ACWB) payment was issued to eligible recipients started on Friday, July 28th!

Did you applied already? Are you eligible to get a CWB?

Who is eligible：
Basic amount eligibility
You are eligible for the basic amount of the CWB if you meet all the following conditions:
✔Earn working income and your net income is below the net income level set for your province or territory of residence
✔Are a resident of Canada throughout the year
✔Are 19 years of age or older on December 31, or you live with your spouse or common-law partner or your child

https://www.canada.ca/en/revenue-agency/services/child-family-benefits/acwb-eligibility.html

Application form→
https://www.canada.ca/en/revenue-agency/services/forms-publications/tax-packages-years/general-income-tax-benefit-package/5000-s6.html

When is CWB paid in 2023→
The CWB is paid on the 5th of April, July, October, and January.

https://www.cbc.ca/news/politics/canada-workers-benefit-advance-payment-1.6921466

Inflation Falls to 2.8% in June, Lowest in Two Years
Statistics Canada said the main reason for the decline was the significant drop in gasoline prices compared to this time last year, which brought Canada's official inflation rate to its lowest level since March 2021.

✔Grocery costs rose at a pace of more than 9%.
✔Rents have risen 5.8% over the past year
✔Food prices up almost 20 percent in two years
✔Mortgage rates have also risen by more than 30 percent over the past year

Mortgage rates have skyrocketed as a direct result of the Bank of Canada's campaign to curb inflation, but there is little relief for renters either.
Even though inflation has fallen, it appears to be temporary, and there seems to be no relief in sight.

https://www.cbc.ca/news/business/canada-inflation-rate-june-1.6909635

Did you know? The Grocery Rebate will be issued to eligible individuals and families July 5, 2023. Make sure you're signed up for direct deposit to get your payment straight to your account! https://ow.ly/NuUP50ON1Ws

[Image description: A person in a wheelchair is in the fruit section of the grocery store and is placing a grapefruit into a plastic bag.]

The campaign has started today!
Open a new advantage(Checking) account and you will get 5%, whereas the interest rate is usually 2.85%❣.

We look forward to hearing from you!

Happy Mother’s Day🌹
Sending big hug to all moms🥰

https://www.youtube.com/watch?v=awPkzswgnFM

The Fed decided to raise interest rates by 0.25% at this (March) FOMC meeting. While Chairman Powell emphasized that the banking system as a whole is safe regardless of the failure of some banks, he expressed caution that the impact on the economy of tighter credit conditions is highly uncertain.

Judgments on Economic Conditions
Chairman Powell confirmed the slowdown in economic activity and indicated that the recent resilience of consumption is strongly attributable to weather factors. However, he explained that the labor market remains strong in terms of employment and unemployment, and that the number of unfilled jobs is declining, but that it will take more time for labor supply and demand to improve.

During the Q&A session, many reporters questioned the impact of the bank failures on the economy. In response, Chairman Powell indicated that the real economy could be affected by tighter credit conditions for households and businesses, as stated in the statement.

Judgment on Price Conditions
Chairman Powell reiterated his concern that inflationary pressures remain high in the U.S., particularly in services (excluding housing), which shows no clear signs of slowing, partly due to the impact of rising wages. However, he expressed his understanding that medium- and long-term inflation expectations are stable across a range of indicators.

Monetary Policy Management
This (March) FOMC meeting unanimously decided to raise interest rates by 25 bp, bringing the FF rate guidance target to 4.75-5%. Chairman Powell noted that the economy and prices had performed better than expected, but the impact of the bank failures was uncertain, suggesting that the choice of rate hike range was the result of consideration of both factors.

The statement also noted that, with regard to future rate hikes, the phrase "ongoing increases in the target range will be appropriate" was changed from "some additional rate hikes may be appropriate" to "some additional policy firming may be appropriate. The revised wording was "some additional policy firming may be appropriate. In fact, the new dot chart shows that the majority (10 respondents) expect the policy rate to be 5.125% at the end of 2023, suggesting one 25-basis-point rate hike in the future.

While confirming that policy rates must be sufficiently tight to achieve the 2% inflation target and stabilize inflation expectations over the medium to long term, Chairman Powell also noted that the impact of a bank failure could have the same effect as a rate hike and that policy rates would be managed with such effects in mind.

https://www.apple.com/newsroom/2023/04/apple-cards-new-high-yield-savings-account-is-now-available-offering-a-4-point-15-percent-apy/

4.15% Checking account with Apple. 👏🏻
It is not a promotion. It is their rate. I am wondering how they are managing but looks good so far😊

Apple Card’s new high-yield Savings account is now available, offering a 4.15 percent APY With no fees, no minimum deposits, and no minimum balance requirements, users can easily set up and manage their Savings account directly from Wallet.