Dear friends, this might be of interest to you!

• Your savings may benefit you much more than your checking or even savings account in your bank. Manulife Bank offers an absolutely open account with no restrictions on balance, and no charges on any transactions.
• Tax-Free Savings Account – TFSA. You will get 1.55% tax-free dividend/year. We can open TFSA for you.
• A unique insurance program in case of serious illness, designed, at the same time, to act as a savings account for the retirement. If the insured does not get ill as per the insurance guidelines, all the accumulated money is returned to the insured.
• If you are thinking about your first real estate purchase in Canada, it’s definitely possible to increase your first down payment by 20-30%. There is a special program used in this circumstance – First Home Buyer’s Plan.
• If you need mortgage, if you plan to buy something, to do refinancing or just renewal, we can help you to get mortgage at favourable terms. New immigrants, self-employment – today, these situations are not a problem anymore.
• If you already have a mortgage, then you will be interested in a program, that allows free fixing the best possible interest in advance of upcoming mortgage renewal date. You can really save good amount money. And it is easy to explain. Just ask me how or visit our website (“Mortgage and Buying Property”, “Manage Your Mortgage”).
• Life insurance in Canada is a necessary part of the society. The question of price is not a problem – there are insurances that cost a few dollars. We can help you choose the right insurance plan, appropriate for your needs and means.
• If you would like to lower your taxes, then you might be interested in a pension plan (RRSP), allowing for a significant tax benefit. We can open RRSP for you in any financial institution: banks, investment or insurance companies. On our website you can find detailed description of government pensions, pension plans at work and RRSP, HBP programs.
• Mortgage and Tax Deduction. Is that possible? Maybe you heard about a book called Smith Maneuver? Note the information provided on website www.totrov.com in the section “Mortgage”.
• Every dollar in your account decreases your mortgage. You do not change the relationship between your spending and earnings, but mortgage is shortened by 6-8 years. Unique program called “Flexible Mortgage Account” is at website www.totrov.com in the Section “Mortgage and Buying Property”.
• If you are self-employed or own a business, this section is for you. You can have a piece of mind similar to “full time” employees. Disability insurance compensates you in case you are not able to work for a reasonable cause. It’s not important what your “net income” is, what matters is how much you earn.
• If your work doesn’t offer benefits, then Travel Insurance – is what’s essential during a trip. The cost is only $32.62 per week for a family of 5, with parents no older than 54 years old, yet it covers treatment during the trips outside of Canada, of any illness of any family member.
• Medical Insurance for guests and new immigrants. We can register insurance prior to landing in Canada, and the flight will be covered. There is a company that even insures people with health issues. You can find insurance prices and many other things at website www.totrov.com.