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KC & ASSOCIATES, Financial Services
are here to assist you in your 
Insurance & Investments
 Lawyer Chris Temple,  Injury Lawyer   For your  Well-Being!

A few of my favorite Insurance & Investment Rules

High Cost Of Waiting

Theory Of Decreasing Responsibility


Rule Of 72

Power Of Compound Interest

Debt Stacking

Pay Yourself First 

These are concepts you need to know about! 

  • Solutions

    • Financial Needs Analysis -  (FNA)

    • Who Could Benefit From an FNA?
      • Anyone with children, anyone who plans to retire someday, anyone with debt, anyone who lacks a strategy for financial independence,  

      • FNA's five basic  

        • Education Funding, Income Protection, Building Your Financial Future, Retirement Income
      • Debt Solutions

    • Term Life Insurance - Death Benefit & LIVING BENEFIT,   “Term insurance is pure protection, like fire insurance or auto insurance. Its sole function is to support your family if you die. You can buy large amounts of coverage for modest amounts of money - and big policies are what your spouse and children need.” 

    • Investments  - Seg funds & Mutual Funds

    • RRSP - Gross-up 

    • Disability Insurance - Business Overhead, CRITICAL ILLNESS, Dental Benefits, Disability Insurance, FRACTURE ACCIDENT, Medical Benefits, Travel Emergency

    • Debt Consolidation

    • Pre-Paid Legal Services - We all sometimes need advice 

    • Publications - Mutual founds 

We have more solutions available just ask.

What would it look like if everything that stops you was out of your way? All the stories that stop you, all of the excuses, all of the thoughts, like "I don't have enough time" or "I'm not good enough" or "I don't have enough money". If all of these thoughts and more were cleared out of your way, what would you create? What would you do right now? 
All the Best - Sharon Chartrand

Karen Sharon Kirk is Karen Sharon Chartrand otherwise known as  KC & ASSOCIATES,

Call Now! 604-835-7242

Shorter amortizations can cost you less interest and help you pay off your mortgage sooner. Since we’re pointing out the obvious, we should also note that making a bigger down payment and buying a cheaper house save interest as well. This is the type of generic advice that some mortgage commentators like to give while applauding the recent amortization reductions. Few media types have acknowledged that extended amortizations are actually a valuable tool when used... intelligently.
It seems that publicly advocating longer amortizations has become semi-taboo, almost like promoting legalized marijuana. But a borrower’s best interests are absolutely not always served by the shortest mortgage. When choosing an amortization, folks must ask two questions right off the bat: (i) Can I comfortably afford my mortgage if rates rise 3%, and (ii) Is there a better use of my cash flow than making larger payments on my mortgage? If the answers to these questions are both yes, then the longest possible amortization may be appropriate. In truth, lower amortizations provide net savings only if you have no better alternatives for the money that would have gone towards paying down your principal.
To put it another way, eliminating your mortgage quicker can actually cost you money if: a) the return on your excess disposable income is greater elsewhere, and/or
b) you have insufficient contingency funds. Certain types of people need to pay extra attention to the opportunity costs of shorter amortizations. They include:
• Investment property owners (who need to minimize payments to maximize cash flow)
• Self-employed borrowers (who need to reinvest in their business)
• Commission earners (who need to build contingency funds for lean months)
• Investors (who invest in higher-returning assets)
• Families (who need to pad their contingency funds, pay down higher interest debt, top up registered retirement accounts, or build education savings).
So before you jump on a shorter amortization because talking heads say it’s the right thing to do, carefully consider if lower payments would further your financial goals more.
(SOURCE: Mortgage Trends) Blessings. Sharon Chartrand

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Abbotsford, BC V2T-3L3


Anne Langlois

Financial Sales and Service Representative

Dental / Medical Group or Single Plans, Life Insurance 

For General Insurance 



Cindy Makonin

If you want to grow rich in all areas of you life, please go visit my site,

Thank you.

Shorter amortizations can cost you less interest and help you pay off your mortgage sooner. 

Call Sharon or read Sharon's article...


Recommends that every one off our clients read 

CRA website

Canada Revenue Agency  is a source to double check your Advisor is telling you the truth .

Individuals and families

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Get, complete, and send in your tax return, NETFILE, payments, refunds.

Life events
When someone has died, when someone becomes disabled, when you move, and when you get married.

Capital gains and losses

GST/HST for individuals
GST/HST credits, rebates, homeowners.

Voluntary Disclosures Program
Taxpayers may avoid penalties or prosecution if they correct their tax affairs by making a disclosure.

Learning About Taxes
A course to help you understand the fundamentals of the Canadian tax system and to teach you how to file a basic income tax return.

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Community volunteer income tax program
Get or provide help filing income tax returns.

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The CPP/EI Rulings Program is responsible for providing clients with rulings that indicate whether a worker is an employee or is self-employed.


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CCTB, GST/HST credit, UCCB, WITB, related provincial and territorial programs, child disability benefit, and benefits calculator.



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