New Workshop for Lower Mainland Residents!!!!!
Space is still available...
I am putting a workshop on for anyone who is interested in ways to grow their savings.
Whether you own your home or rent a property you are probably wondering how you can manage your day to day expenses and still have some money left over to put away.
If you have a young family this seems even more difficult!
The first step is to define your values around money. What do you strive for? What are your goals?
2nd step is to find out where you are today, Where is your money coming from? Where is it going?
3rd step is to find out where you can possibly cut back, use a budget
Finally, align your spending and saving habits with your values
Watch your money grow.
Investment/Saving options
Retirement savings vs Tax Free Savings Accounts
Guaranteed vs Market based products
Please contact me if you are interested in joining us!
For exact location (False Creek/Granville island) contact me
karen.divenanzo@sunlife.com
604-603-8571
Monday, March 29, 2010
Monday, March 22, 2010
Spring cleaning
Some call it spring cleaning, others call it gett'n things done.
There is something about the sun shining and weather getting warmer that makes us take action. Perhaps you have been thinking that it's time to paint the walls, organize the closets... etc.
How about that nagging reminder in your head that you don't have a Will. I'll start putting money aside for my retirement... I'll get to it later.
So when you find yourself feeling more energetic this time of year, don't forget to think about these important topics. They just don't get done unless you take action.
I can even help you with all that stuff!
Karen :)
karen.divenanzo@sunlife.com
C: 604-603-8571
O: 604-683-6895 ext 205
www.sunlife.ca/karen.divenanzo
There is something about the sun shining and weather getting warmer that makes us take action. Perhaps you have been thinking that it's time to paint the walls, organize the closets... etc.
How about that nagging reminder in your head that you don't have a Will. I'll start putting money aside for my retirement... I'll get to it later.
So when you find yourself feeling more energetic this time of year, don't forget to think about these important topics. They just don't get done unless you take action.
I can even help you with all that stuff!
Karen :)
karen.divenanzo@sunlife.com
C: 604-603-8571
O: 604-683-6895 ext 205
www.sunlife.ca/karen.divenanzo
Tuesday, February 23, 2010
Job security
Nobody wants to feel the stress of being laid off from a job. Unfortunately it seems to be a reality for many people. The stress of looking for another job while figuring out how the bills will be paid, etc is not something you want to be feeling. How do you plan ahead for something like this? Can you really save enough $ for unexpected lay-offs? An emergency fund of 3-5 months? Maybe it's a line of credit or another plan you have thought of?
This is how I view an illness or a death striking a family. What if tomorrow you find yourself dealing with an accident or a diagnosis that will require care, make you unable to work for a period longer than 1 month? years? Will you be able to manage?
Equally as bad, is an unexpected death to you or your spouse. Will your family be able to continue the quality of life you have planned without major financial upset?
The big question here is... are you prepared to take on this risk yourself or does it make more sense to share the risk with an insurer? What impact would either choice have on you/your family?
If you only rely on the coverage you have with your employer, it may not be enough. For example, if you are laid off or the company has decided to cut their benefits.
Consider all of these things when you plan ahead for your future.
Thank you!
Karen
Contact me for more details..
karen.divenanzo@sunlife.com
604-603-8571
This is how I view an illness or a death striking a family. What if tomorrow you find yourself dealing with an accident or a diagnosis that will require care, make you unable to work for a period longer than 1 month? years? Will you be able to manage?
Equally as bad, is an unexpected death to you or your spouse. Will your family be able to continue the quality of life you have planned without major financial upset?
The big question here is... are you prepared to take on this risk yourself or does it make more sense to share the risk with an insurer? What impact would either choice have on you/your family?
If you only rely on the coverage you have with your employer, it may not be enough. For example, if you are laid off or the company has decided to cut their benefits.
Consider all of these things when you plan ahead for your future.
Thank you!
Karen
Contact me for more details..
karen.divenanzo@sunlife.com
604-603-8571
Sunday, January 31, 2010
Goal setting
I'm not a life coach, I have lived 34 yrs and have seen this throughout my own life...
Goal setting is one of those things that some people have figured out while others do not. Possibly the most important skill that should be taught throughout school and practiced throughout life.
Think about it.. When were you the most happy? Were you working toward a goal? a project, vacation, new business,etc.
If you're like me, you have many roles in life. Maybe it's difficult to think about what "you want" while juggling everything else. I can't tell you how important it is to take the time for yourself and plan your goals.. personal and professional. Write it down and think about it often. If its not written down, or you don't have a plan of action you will leave it to chance..
This is so true when it comes to planning your long term goals of life..Retirement for example.
How do you want your retirement to be? Where do you want to live? What sort of things will you be doing? How much money do you need? How much will you have?
If you think your life is just too busy or you don't feel you have enough money to set aside. You are probably right. However,If you don't take the necessary steps to get there, you will be leaving it to chance and you can probably guarantee that you won't be living out your retirement dreams. Starts with a plan... right now is a good time.
Start by figuring out what you want.. everything else will start to fall in place.
For more information about setting and achieving your financial goals you can find me here.
www.sunlife.ca/karen.divenanzo
Goal setting is one of those things that some people have figured out while others do not. Possibly the most important skill that should be taught throughout school and practiced throughout life.
Think about it.. When were you the most happy? Were you working toward a goal? a project, vacation, new business,etc.
If you're like me, you have many roles in life. Maybe it's difficult to think about what "you want" while juggling everything else. I can't tell you how important it is to take the time for yourself and plan your goals.. personal and professional. Write it down and think about it often. If its not written down, or you don't have a plan of action you will leave it to chance..
This is so true when it comes to planning your long term goals of life..Retirement for example.
How do you want your retirement to be? Where do you want to live? What sort of things will you be doing? How much money do you need? How much will you have?
If you think your life is just too busy or you don't feel you have enough money to set aside. You are probably right. However,If you don't take the necessary steps to get there, you will be leaving it to chance and you can probably guarantee that you won't be living out your retirement dreams. Starts with a plan... right now is a good time.
Start by figuring out what you want.. everything else will start to fall in place.
For more information about setting and achieving your financial goals you can find me here.
www.sunlife.ca/karen.divenanzo
Saturday, January 16, 2010
Afraid of a diagnosis?
Here's a question for you that might make you think about a few things...
If you feel a bit strange, find a bump on your skin or something like that would you go to the Dr right away? Why or why not? If your answer is no and the problem doesn't go away in a day or so, at what point would you finally make the appointment?
There is so much talk about early detection being the key with breast cancer, colon cancer... you name it, pretty much any condition. So why do we still have people dying from preventable diseases? Perhaps, many are afraid of the result and don't want to know the answer? So many things running through your mind.. how will this affect my life, my family? Can I afford to be off work?.....
I read somewhere recently that 2 out of 5 Canadians will develop cancer in their lifetime. I started thinking about this a little more. I won't live in fear, I won't live in denial that this can happen to me. What I will do is, take care of myself by eating well, exercising and proper sleep (one to work on maybe). One more thing that is a must for everyone! Having plans in place that allow you to have peace of mind that should you face a personal illness you will be able to focus on recovering while allowing your life to continue.
Disability insurance, Critical illlness Insurance and Long Term Care insurance are all types of plans that you must absolutely get in place now when you're healthy. Please do not wait until the day you feel a little strange to ask the details and apply. It will be too late. This would be my worst day ever telling you.. sorry we should have done this sooner. You just never know about tomorrow, no one ever expects to get sick or hurt.
These plans are based on a few factors that will determine the best fit, how much it will cost, if you can get it,etc. Please contact me to learn more about how you're currently covered.
In good health,
Karen
www.sunlife.ca/karen.divenanzo
karen.divenanzo@sunlife.com
604-603-8571
If you feel a bit strange, find a bump on your skin or something like that would you go to the Dr right away? Why or why not? If your answer is no and the problem doesn't go away in a day or so, at what point would you finally make the appointment?
There is so much talk about early detection being the key with breast cancer, colon cancer... you name it, pretty much any condition. So why do we still have people dying from preventable diseases? Perhaps, many are afraid of the result and don't want to know the answer? So many things running through your mind.. how will this affect my life, my family? Can I afford to be off work?.....
I read somewhere recently that 2 out of 5 Canadians will develop cancer in their lifetime. I started thinking about this a little more. I won't live in fear, I won't live in denial that this can happen to me. What I will do is, take care of myself by eating well, exercising and proper sleep (one to work on maybe). One more thing that is a must for everyone! Having plans in place that allow you to have peace of mind that should you face a personal illness you will be able to focus on recovering while allowing your life to continue.
Disability insurance, Critical illlness Insurance and Long Term Care insurance are all types of plans that you must absolutely get in place now when you're healthy. Please do not wait until the day you feel a little strange to ask the details and apply. It will be too late. This would be my worst day ever telling you.. sorry we should have done this sooner. You just never know about tomorrow, no one ever expects to get sick or hurt.
These plans are based on a few factors that will determine the best fit, how much it will cost, if you can get it,etc. Please contact me to learn more about how you're currently covered.
In good health,
Karen
www.sunlife.ca/karen.divenanzo
karen.divenanzo@sunlife.com
604-603-8571
Tuesday, January 5, 2010
Bring on the New Year
I wrote the date for the first time today.. oops /09. Seemed strange to write /10. I think I'll be writing 2010 until I get used to it. Besides 2010 is all about the olympics and that's pretty cool.
Seriously though... what kinds of things do you have planned for this year? I'm not talking resolutions, I'm talking real plans that will stick. Time will fly by unless you make an effort to take charge. For me, I plan to grow my family, grow my business and continue to build and nuture my existing relationships. Good health, financial security, love and relationships are extremely important to me.
What is important to you? What are your values? and where do you see yourself in the future? How do you create balance with today and tomorrow? Don't go in to your future blindly... have a plan that will get you where you want to be. Don't do it alone, include your spouse/your family and of course a professional.... such as yours truly, moi :) www.sunlife.ca/karen.divenanzo
Great success for 2010!
Seriously though... what kinds of things do you have planned for this year? I'm not talking resolutions, I'm talking real plans that will stick. Time will fly by unless you make an effort to take charge. For me, I plan to grow my family, grow my business and continue to build and nuture my existing relationships. Good health, financial security, love and relationships are extremely important to me.
What is important to you? What are your values? and where do you see yourself in the future? How do you create balance with today and tomorrow? Don't go in to your future blindly... have a plan that will get you where you want to be. Don't do it alone, include your spouse/your family and of course a professional.... such as yours truly, moi :) www.sunlife.ca/karen.divenanzo
Great success for 2010!
Sunday, December 6, 2009
New adventures
Life is busy and always changing. At least I think so. Do you find yourself "comfortable" with your life and routine? Perhaps thinking of anything different is too scary to contemplate. Or maybe you are so content with the way things are you have no desire to change your routine, your lifestyle, etc. If this is the case, I am so happy for you.
I'm not saying go and do something drastic, but if you have something on your mind you would like to try or change why not go for it? Ask yourself: What's the worse that could happen? What are the consequences of "not trying" or "not changing"? This goes for habits on eating, sleeping, exercise (or lack of), financial planning (or lack of). I'm only saying.. just because you have always done something a certain way, doesn't mean you have to continue.
Stay tuned for our latest adventure.. a hint. A comfortable place where health and wealth truly meet. My partner Tracy and I believe these 2 areas of life are crucial for our overall well-being and want to share that with you.
In good health,
Karen :)
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