Blog | The Wellings

02/21/202502/21/2025

The Great Digital Escape: 4 Easy Steps for Seniors to Go Incognito

Ready to channel your inner secret agent and disappear from the internet’s prying eyes?

We know the web can sometimes feel like a big brother, peeking into your business when you want to sip your tea in peace.

But don’t worry!

We’ve got four simple, spy-approved steps to help you wipe away those digital footprints and keep your online life as private as a secret recipe.

Mission 1: Delete Old Accounts (aka “Say Goodbye to That Ancient MySpace Profile”)

Remember that account you made to try out a new social media platform… in 2008? Yep, it’s time to let it go. Track down those old accounts you’re no longer using and hit that delete button. You’ll feel lighter instantly!

Bonus: It’s like spring cleaning without all the dust.

Mission 2: Clear Search Engine Results (Because Your Name Shouldn’t Be Trending)

Google yourself. Go ahead, we won’t judge! If you find any outdated or cringe-worthy content, request a removal. Google even has a tool for this (we promise it’s easier than assembling IKEA furniture). Just like that, your name will vanish from search results faster than your cat when it hears the vacuum.

Mission 3: Evade Data Brokers (No, They Can’t Have Your Secrets!)

Data brokers are like those gossipers at the hair salon. They collect bits and pieces of your info and share it with everyone. Opt out from these nosy services using websites like DeleteMe or Incogni. It’s like putting on a pair of invisibility glasses.

Mission 4: Tighten Up Active Accounts (Lock the Digital Front Door)

For accounts you still use, make sure to adjust privacy settings, use strong passwords, and turn on two-factor authentication (2FA). Think of it as a digital security system that keeps out the cyber riff-raff. Bonus points if you come up with a powerful password, like “ILoveChocoLabradors&Kittens247!”

And there you have it!

Four easy, no-fuss steps to help you disappear from the internet’s radar, James Bond style. Now, sit back, relax, and enjoy your newfound privacy… no trench coat required.

Stay hidden, friends!

in Carefreedom Living® Posted by My Wellings

02/14/202502/14/2025

How to Give Directly to Charities Inside or Outside Your Will

Let’s delve more deeply into how you can plan for a direct gift to charity in your estate plan. Here are five ways to accomplish this:

Leave a cash gift by specifying that charities will receive either a fixed cash amount or a percentage of the residue of the estate.
Donate securities by instructing that certain securities you own be gifted to charity. Alternatively, you can authorize your executor (liquidator in Quebec} to transfer securities directly to fulfill the gift, rather than selling them to distribute the gift in cash. One advantage of this approach is that if the securities have increased in value, donating them to charity “in kind” exempts the transfer from taxes that would otherwise be due on the capital gains. Either way, your estate receives the donation tax credit.
Donate specific assets such as literary collections, artwork or real estate. Depending on the type of asset you choose to give, there may be special rules to adhere to, as well as additional advantageous tax treatment.
Make beneficiary designations on certain assets, such as Registered Retirement Savings Plans, Registered Retirement Income Funds, Tax-Free Savings Accounts and life insurance policies, when allowed. Your estate will be allowed to claim the donation tax credit for the amount you gift to charities.
Gift a permanent life insurance policy, such as a whole life or universal life policy, by donating the policy’s ownership to charity during your lifetime. You will receive a donation tax receipt for the market value of the policy at that time. If you decide to continue paying the policy’s premiums, rather than having the charity assume responsibility for them, you will also be able to claim an annual donation tax credit for these premiums during your lifetime. We’ll discuss this approach further in a subsequent blog. As always, when contemplating giving to charity as part of your estate plan, it is best to seek the advice of legal and tax advisors to ensure you give what you want as efficiently as possible.

About the Author
Valerie Markidis

As a Wealth Planning Consultant with CI Assante Private Client’s Wealth Planning Group, Valerie works closely with our team to provide solutions for our clients in the intergenerational transfer of wealth, focusing on estate planning. She joined CI Assante in 2022, bringing 14 years of experience from two major trust companies, where she held national responsibility for Wills and actively supported advisors across Canada with questions and interpretations related to Wills, Powers of Attorney, and Trusts. Prior to her tenure with the trust companies, Valerie worked in private practice, focusing on wills and estates. She is a lawyer with a Bachelor of Law degree from Osgoode Hall Law School and an Honours BA from Queen’s University.

in Financial Freedom Posted by Marci Perreault

02/07/202502/07/2025

A Reason, a Season or a Lifetime: The Many Sides of Friendship

What do you think of when you think of February, aside from it being bone chilling cold here in the frozen north? It’s love, right? February 14th, Valentine’s Day, takes over and we’re bombarded with messages about love. We exchange greeting cards, chocolates, flowers and we have a newish twist known as Galentine’s Day on February 13th, to celebrate gal pals. But what about every other day of the year, shouldn’t we champion quality friendships then too? I had a feeling you’d agree, so let’s explore how we can enhance our lives at any stage through friendship.

“Valentine’s Day is just another day to truly love like there is no tomorrow.” – Storyteller, Roy A. Ngansop

I think it’s wonderful to celebrate companionship, whether it’s romantic or platonic. You see it’s our connectivity as human beings that contributes to not only our longevity but the quality of our lives. Single or otherwise, we all need to feel connected and when we don’t, the result is, we feel lonely. While I think it’s important to recognize that we all feel lonely from time to time, it’s not a place I want to suggest we set up camp. The tricky bit is that we’re a little (or a lot) uncomfortable with the idea of having boundaries in friendships, editing friendships that may not align with us at this stage and we’re uncomfortable when it comes to making new friends. This is especially true as we age but I have great news. It doesn’t have to be awkward and here’s more great news, there are friends you haven’t met yet who will add value to your life.

“Love is a great beautifier.” – Louisa May Alcott

Some of us are more challenged than others when it comes to exercising our social muscles but being connected through friendship empowers us, makes us feel seen, heard, valued, appreciated and it helps others feel the same. When we’re young, friendship can be challenging and many of us tolerate a lot but once we know what we need in a friend, it’s easier to find what works for us. Also, as we get older, we don’t require the same things we did when we were young. We’re hopefully a little wiser and have learned from our life experience. We’re not looking for someone to hit the clubs with, unless they’re golf clubs of course. LOL. Whether it’s golf or another sport, play is a great way to make new friends. Do you play cards, board games or enjoy bowling, going to the movies or doing puzzles? You’re not alone and that’s a great way to enjoy time with other folks who like the same thing. The trick here is to ask people about their interests to discover if their pursuits align with yours. Again, good exercise for our social muscles.

“The most I can do for my friend, is simply to be his friend.” -Naturalist, Henry David Thoreau

Clubs and groups devoted to a specific area of interest are perfect for making connections with like-minded people. Whether on-line or in person, bonding with others this way is uplifting. I run a Facebook group called The Secret Kindness Club where we exchange kindness. Feel free to join us. There’s no agenda just the invitation to share kindness. People drop in regularly to either leave some kindness or pick some up if they need it. The on-line world has afforded many new opportunities to connect with people. It’s a fascinating domain where Facebook friends can sometimes become in-person friends. That’s how I met one of my besties.

I love the idea of a book club, a cookie club, a coffee club, a gardening club, a soup club or a lunch club, where everyone contributes something whether it’s opinions about a book, a yummy dish at a pot-luck lunch, a monthly soup delivery or a new recipe from a cookie buffet. Enhance the experience by inviting members of the group to share their stories and insights. You never know what you’ll learn about someone that might spark a friendship.

“Women’s friendships are like a renewable source of power.” – Actress, Jane Fonda

Exercise classes, art classes, yoga classes, taking high school, college or university courses all support the idea of being a life-long learner. If you see someone in the class you think you’d like to get to know, exercise your social muscles and ask them for coffee. It may or may not be a match as a friend, but you’ll never know if you don’t ask.

Volunteering is another brilliant way to connect with like-minded people. You’ll have something in common immediately and if you volunteer regularly, chances are you’ll see the same people, which could be an easy way to make a connection.

Compliment strangers on something they’re wearing, or on their smile, that’s another way to spark conversation. Chat with your neighbours, say yes more often to parties and gatherings and most of all, say yes to making new friends regardless of your age or circumstances. Remember this isn’t serious business, friends are meant to make our lives more fun. Something I like to remind myself of when it comes to friendship is to take the best and leave the rest. We’re not therapists, babysitters, event coordinators or detectives, we’re friends. We don’t have to solve, fix, organize or intervene unless we’re asked to and we’re willing to. Our friends should always make us feel like they’ve got our back. They’re our best cheerleaders, ready to lift us up when we need lifting and to celebrate with us when we’re winning.

Time can either strengthen a friendship or weaken the bond. I often think of something someone told me years ago, that friends were for a reason, a season or a lifetime and it’s up to us to figure out which is which. Let me leave you with the poem that passage comes from, so that you know when to step up, lighten up and when to let go.

Reason, Season, or Lifetime -Anonymous

People come into your life for a reason,
A season or a lifetime.
When you know which one it is, you will
Know what to do for that person.

When someone is in your life for a
REASON, it is usually to meet a
need you have expressed. They have come to
assist you through difficulty, to provide
you with guidance and support, to aid you
physically, emotionally, or spiritually.
They may seem like a godsend, and they are.
They are there for the reason you need them to
be. Then, without any wrongdoing on your
part or at an inconvenient time, this person
will say or do something to bring the
relationship to an end. Sometimes they die.
Sometimes they walk away. Sometimes they
act up and force you to take a stand. What
we must realize is that our need has been
met, our desire fulfilled, and their work is done.
The prayer you sent up has been answered
and now it is time to move on.

Some people come into your life for a
SEASON, because your turn has come to
share, grow or learn. They bring you an
experience of peace or make you laugh.
They may teach you something you have never
done. They usually give you an unbelievable
amount of joy. Believe it, it is real.
But only for a season.

LIFETIME relationships teach you lifetime lessons,
things you must build upon, in order to have a solid emotional
foundation. Your job is to accept the lesson, love the person and
put what you have learned to use in all other
relationships and areas of your life. It is said that love is
blind but friendship is clairvoyant.

in Carefreedom Living®, Healthy Aging Posted by Kathie Donovan

01/31/202501/31/2025

Words that Uplift: How Compliments Nurture Connection and Confidence

Do you feel worthy of receiving compliments or do they make you feel uncomfortable? Our world is so focused on appearances, which is likely why we feel a little awkward when someone compliments us. If we believe we look good, then a compliment is easier to receive but many of us are unsure of ourselves and so compliments may feel insincere even when they’re genuine. The truth is that while it’s nice to look good, there’s so much more about us that’s worthy of praise.

“Don’t judge by appearances. A rich heart may be under a poor coat.” – Anonymous

I’m a big believer in compliments not only about physical appearance but about who we are and how we are. I recognize that praise helps people feel seen, heard and valued, which is very important to me. Growing up as a short person: at school, I was always placed at the front of the line, and I was singled out as cute. The compliments I received were no doubt genuine but always focused on the fact that I’m a small person. I should mention that being vertically challenged has never been a disadvantage in my life, quite the opposite. It’s given me unique insight into how we see each other and how sometimes what we perceive about each other is very limited. I recall meeting with a newspaper reporter years ago, who was writing a story about a project I was involved with. I specifically asked her not to lead with my height and of course she did. I didn’t want her to lead with what I think is the least interesting thing about me. I’m so much more than my height and so are you: so much more than the body you live in. We can be so focused on how we look that it can detract from us living our lives joyfully, celebrating ourselves for all the challenges we’ve moved through and the resilience we’ve gained as a result. That’s why I think offering meaningful compliments can make a difference.

“Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around.” – Leo Buscaglia

When we praise people about who they are, we shine a light on their strengths, which connects us in a deeper way and helps boost self-esteem. When we compliment each other on our creativity or resilience for example, we acknowledge the inherent qualities that make each of us special. I just finished reading Tony Bennet’s book Just Getting Started. I have always been a big fan not only because of Tony’s tremendous talent as a vocal artist and painter but also because of his humility. The book is a series of short chapters focusing on the people he encountered over the years, from Count Basie and Frank Sinatra to Lady Gaga and Amy Winehouse who either made a difference for him or for whom he was able to make a difference. Tony is very generous with compliments about how these people were or are as human beings as much as their musical talent.

Recognizing a person’s resilience, kindness, compassion or loyalty, affirms that their worth is not solely based on their appearance and can empower them to embrace these qualities as strengths to be celebrated and further developed.

“Do not miss a single chance- not one single opportunity- to tell someone how wonderful they are, how special they are, how important to you they are, how incredible as a person they are, how beautiful they are inside and out. Do not miss a single opening in which to insert such a comment, genuinely felt and genuinely meant.” – author, Neale Donald Walsch

If you want to create a positive social environment and improve interactions at work, at home or among your friends, nourish the habit of giving as well as receiving compliments. Our acts of kindness, expressed through our words and our actions create a feeling of belonging and diminish feelings of loneliness or inadequacy. What’s the old proverb? You’ll catch more flies with honey than you will with vinegar. Think about it this way: kindness attracts; rudeness repels.

It’s interesting to me that a compliment about a person’s character is longer lasting than a compliment about their appearance. It comes back to the idea that we all want to feel seen, heard, valued and appreciated for who we are. The magic happens when we receive compliments graciously. A simple thank you is a beautiful gift to give someone who gifts us with kindness. Even when we don’t fully believe the compliment, saying thank you acknowledges that someone sees something in us that we might take for granted or not be aware of.

Let’s not forget that kindness is contagious and there’s great benefit for us when we give compliments. Want lower blood pressure and cortisol levels? Kindness is good medicine for both. Then there are the neurotransmitters serotonin and dopamine that make us feel satisfied and stimulate the pleasure and reward centre of the brain for both the giver and the receiver. There’s also the added benefit of reducing fear and anxiety.

Is there someone who made a difference in your life? Send them a note or an email expressing your appreciation for their generosity.
Have you observed someone navigating through a rough time with courage and grace? Tell them how much you admire their bravery.
Is there someone in your life who seems a little down? Offer them some sunshine by complimenting them.

Here are a few suggestions for compliments about attributes other than physical appearance:

Our conversations mean a lot to me.
You have great taste in……
You are so good at embracing creativity.
Your enthusiasm is contagious.
You express yourself very well.
You’re very understanding.
I feel energized when I’m in your company.
You make me think about things differently.
You inspire me.

While criticism certainly comes more easily than compliments do, there’s far more fuel for our well-being and happiness when we train our mind to look for the good in other people and let them know what we observe. It’s easy to put a foot wrong when we’re critical of others because we do not have the full picture of their life, but you can’t make a mistake when you give out compliments like candy.

in Healthy Aging Posted by Kathie Donovan

01/24/202501/24/2025

Quotable Quotes

Here are some timeless, quotable quotes that can inspire, uplift, and enrich our lives.

“A sense of belonging brings with it a sense of peace.” — Unknown

Belonging is a fundamental human need. Whether it’s being part of a community, a family, or a group of like-minded individuals, the comfort and stability of feeling like we are part of something bigger than ourselves cannot be overstated. This quote reminds us that peace often arises from connection, and in fostering that sense of togetherness, we build a sanctuary for our souls.

“The greatest wealth is health.” — Virgil

In a time when material gains often measure success, this quote from the ancient Roman poet Virgil reminds us that true wealth lies in something far more precious—our health. Wellness in body, mind, and spirit forms the foundation for a fulfilling life. Without health, no amount of success or wealth can genuinely be enjoyed. It’s a simple, profound reminder to take care of ourselves first.

“Do not go where the path may lead; go instead where there is no path and leave a trail.” — Ralph Waldo Emerson

This quote calls out to the explorer in each of us. It encourages us to break free from conformity and embrace the adventure of forging our path. Life is not about following others’ footsteps but about leaving our mark. Whether in personal growth or professional endeavors, Emerson’s words remind us to be bold, creative, and brave.

“Alone, we can do so little; together, we can do so much.” — Helen Keller

Helen Keller, a woman who overcame incredible odds, knew firsthand the power of community and collaboration. Her words remind us that outstanding achievements are rarely the work of a single individual. We can accomplish extraordinary things by coming together, sharing ideas, and supporting one another. The true strength of any community lies in its unity.

“Home is where love resides, memories are created, friends are always welcome, and laughter never ends.” — Unknown

A home is more than just four walls; it is where our hearts find rest, we make memories with loved ones, and friendships bloom. This quote beautifully captures what makes a house a home—the love, warmth, and joy permeating the space. In times of uncertainty, our homes and the people within them provide us with a sense of safety and comfort.

“It is not how much we have, but how much we enjoy, that makes happiness.”— Charles Spurgeon

In our fast-paced world, getting caught up in pursuing more success, possessions, and achievements is easy. Yet, true happiness doesn’t come from accumulating things but from appreciating and enjoying what we already have. This quote reminds us that contentment is not in excess but in gratitude and the ability to savor the present moment.

in Carefreedom Living® Posted by My Wellings

01/17/202501/17/2025

Writing Away Worries

Writing can be an effective way for seniors to work through their worries, providing a healthy outlet for expressing thoughts and emotions. When faced with anxiety, fear, or uncertainty, putting pen to paper can help clear the mind, offer perspective, and reduce stress. Here are some practical writing methods that seniors can use to address their concerns and improve their mental well-being.

Journaling for Clarity

Journaling is one of the simplest yet most powerful tools for dealing with worry. Writing down thoughts and concerns allows seniors to organize their feelings and see patterns that might not be obvious otherwise. This process can lead to better self-understanding and a sense of relief, as worries that seem overwhelming in the mind often feel more manageable once they’re on paper.

A good starting point is to spend about 10 minutes each day writing freely. This could be a reflection on the day, a list of worries, or simply how they’re feeling at that moment. The key is to write without any judgment or pressure. Prompts like “Today, I’m feeling worried about…” or “What’s been on my mind lately is…” can help get the words flowing. Over time, this habit can provide clarity and peace of mind.

Gratitude Journals for Positivity

Focusing on gratitude can be a wonderful way to shift attention away from worries and toward the positive aspects of life. Research has shown that regularly acknowledging things we are thankful for can improve mood and overall outlook. Seniors can start a gratitude journal by listing three things they are grateful for at the end of each day. These could be as simple as a sunny afternoon, a good book, or a pleasant conversation with a friend.

The act of noting these moments trains the mind to focus on the positives, even when worries feel overwhelming. Over time, this practice can foster a more optimistic and balanced perspective, making it easier to cope with stress.

Writing Letters for Emotional Release

Sometimes, our worries are tied to specific people or events, and it can be difficult to express those feelings openly. Writing letters can be a therapeutic way to release these emotions. Seniors can write letters to themselves, to others (even if they never plan to send them), or to situations causing them stress. This exercise can help process complex emotions, find closure, or simply articulate feelings that might be hard to share in conversation.

For example, writing a letter to their younger self or to a friend who has passed away can be a way to address unresolved feelings or offer encouragement. Even if these letters are never seen by anyone else, the act of writing can be incredibly freeing.

Creative Writing for Stress Relief

Engaging in creative writing, such as poetry, short stories, or even fictional letters, allows seniors to explore their thoughts and worries from a different angle. It can be a fun and liberating way to process emotions and transform them into something creative.

Starting with simple prompts like “If my worry were a character, it would be…” or “Imagine a place where all your worries disappear. What does it look like?” can help ease into the practice. Viewing their concerns through a creative lens can make them feel less intimidating, offering a sense of control and perspective.

Reflective Writing About Past Experiences

Reflecting on past experiences can be a powerful reminder of resilience. Writing about difficult situations they have faced and how they overcame them can help seniors draw strength from their past. This exercise not only brings a sense of perspective but also reinforces the ability to handle future challenges.

Seniors can write about a time they faced a tough situation and how they managed to navigate through it. What did they learn from that experience? How can those lessons be applied to their current worries? By revisiting these moments, they may find comfort and inspiration in their strength.

Maintaining a Writing Routine

Incorporating writing into a daily routine can serve as a form of mindfulness. Taking a few minutes each day to jot down thoughts, hopes, or small victories encourages seniors to reflect, breathe, and ground themselves. This daily habit can help reduce anxiety and improve mental clarity.

Whether through journaling, letters, or creative writing, putting thoughts on paper allows seniors to process their worries at their own pace. Writing provides a safe, non-judgmental space to explore emotions, find clarity, and achieve a sense of peace.

in Carefreedom Living® Posted by My Wellings

01/10/202501/10/2025

Say Goodbye to Winter Dry Skin: Tips for Seniors

Winter is the season of cozy sweaters, warm drinks, and soft blankets. But it’s also the season when dry, itchy skin becomes a big problem, especially for seniors. Don’t let winter weather steal your skin’s comfort—try these simple tips to keep your skin happy and hydrated all season long.

Why Does Winter Dry Out Your Skin?

Cold winter air doesn’t hold much moisture, which makes your skin feel tight and dry. Indoor heating makes it even worse by blasting warm, dry air. The result? Skin that’s dry, flaky, and sometimes itchy. But don’t worry—there are easy ways to keep your skin smooth and comfortable.

1. Use a Good Moisturizer

Choose a thick, oil-based moisturizer to protect your skin from winter dryness. Look for products that contain ingredients like hyaluronic acid, shea butter, and ceramides for extra hydration. For the best results, apply moisturizer right after you shower or wash your hands, when your skin is still slightly damp. This helps lock in moisture.

2. Take Warm, Not Hot, Showers

Hot showers may feel great on cold days, but they can strip your skin of natural oils and worsen dryness. Opt for warm showers and limit them to 10-15 minutes. When you’re done, gently pat your skin dry with a towel instead of rubbing it.

3. Use a Humidifier

Indoor heating can turn your home into a dry zone, which isn’t good for your skin. A humidifier adds moisture to the air and helps keep your skin from drying out. Place one in your bedroom or main living areas to create a more skin-friendly environment.

4. Stay Hydrated and Eat Healthy Foods

Drinking water helps keep your skin hydrated from the inside out. It’s also important to eat foods that are good for your skin, like avocados, salmon, and nuts. These foods are rich in healthy fats that support your skin’s moisture levels.

5. Choose Gentle Soaps and Protect Your Skin

Switch to fragrance-free, gentle soaps that don’t strip away your skin’s natural oils. When you go outside, wear a scarf, hat, and gloves to protect your skin from the cold wind. This extra layer helps keep your skin safe and comfortable.

Don’t Forget Sunscreen!

Even in winter, the sun’s rays can damage your skin. Make sure to apply a broad-spectrum sunscreen to any exposed skin before heading outside.

Stay Comfortable This Winter

Dry skin doesn’t have to be part of your winter routine. With these simple, senior-friendly tips, you can enjoy the season without the itchiness or discomfort. Keep your skin moisturized, stay warm, and take care of yourself—you deserve it! Stay cozy and enjoy your winter with smooth, happy skin.

in Health and Fitness Posted by My Wellings

01/03/202501/03/2025

Where Good People Are Making Good Things Happen

Grab your coat, because we’re taking a virtual trip across Canada—the land of maple syrup, breathtaking landscapes, and some of the nicest folks you’ll ever meet.

What makes this journey special?

We’re spotlighting towns and cities where people aren’t just kind; they’re rolling up their sleeves to make their communities a better place.

Let’s hit the road!

Victoria, British Columbia: A Green Dream

Our journey begins on Vancouver Island, in the charming, eco-friendly city of Victoria. This coastal gem is known not only for its stunning ocean views and historic architecture but also for its green initiatives. The city has a passion for sustainability, with community gardens, bike-friendly streets, and farmer’s markets that make local food accessible to everyone. Groups like the Victoria Compost Education Centre help residents reduce waste and promote sustainable living, showing that even small efforts can make a big difference.

Calgary, Alberta: Heart of the West

Next, we head east to Calgary, a city that embodies the warmth of the West. Calgary is known for its bustling economy, but it’s also a hub for social enterprise and community support. One shining example is The Alex, a nonprofit organization dedicated to providing healthcare, housing, and food programs to those in need. Their mobile health buses are a familiar sight, bringing services directly to the community and proving that a little ingenuity can lead to a big impact.

Winnipeg, Manitoba: The Heartbeat of Generosity

In the center of the country lies Winnipeg, where folks are serious about community spirit. This city has a reputation for being one of the most generous in Canada, with initiatives like Harvest Manitoba, a food bank that supports thousands of families across the province. The sense of solidarity here is palpable; when the Red River floods, Winnipeggers don’t hesitate to grab sandbags and help their neighbours. It’s a place where lending a hand isn’t just an act of kindness—it’s a way of life.

St. John’s, Newfoundland: A Warm Welcome Awaits

Our final stop is on the rugged shores of Newfoundland, where St. John’s greets visitors with open arms and a smile. This city is a mix of bright houses, lively music, and some of the friendliest folks you’ll ever meet. But the real heart of St. John’s lies in its community organizations, like The Gathering Place, which offers food, support, and a sense of belonging to those experiencing homelessness. It’s a place where everyone is welcome, and the spirit of giving is alive and well.

Wrapping Up Our Trip

From the Pacific shores to the rocky coasts of the Atlantic, Canada is home to more than just stunning landscapes. It’s a country where good people are doing great things, driven by compassion and a sense of community. Whether they’re growing gardens, providing healthcare, or simply lending a helping hand, Canadians are showing the world how to build a kinder, more connected society.

So, if you’re ever planning a trip, consider visiting one of these kinds of corners. Not only will you see beautiful sights, but you’ll also witness the power of community in action.

in Carefreedom Living® Posted by My Wellings

12/27/202412/27/2024

Growing Through Life: Lessons for a Fulfilling Journey

There’s no question that life is an unpredictable ride. I’m sure there isn’t anybody you can think of who hasn’t had to navigate through something challenging. Hindsight is where we can take lessons from the tough stuff we experience. It’s important that we learn from what we undergo in life because these events can transform into teachings to guide as we move forward. Whether it’s learning or unlearning a few things, let’s explore some ideas that will hopefully be helpful when it comes to living our best life in 2025.

You are important and you matter.

This is lesson number one for me because I think it’s something we can easily forget. Especially as we age, we can mistakenly believe that we’re not important, that we’re irrelevant and we don’t matter. But it couldn’t be farther from the truth. If we have breath, we are important and we matter, regardless of our age. Sure, our priorities change as we get older and that’s a good thing. It’s a time in our life when we’re investing in what’s important to us and no longer focused solely on other people’s needs and their feedback to feel good. While prioritizing ourselves might feel like we’re being selfish, there’s a companion lesson here: when we take good care of ourselves, we’re better able to take care of others.

“The biggest lesson is to keep going and almost never look back.”
– hockey goaltender, Maxime Lagacé

Don’t Live in the Past.

The only thing we know for sure is the present. How many times have we heard that? It is true that the past no longer exists and what we’re thinking about are our memories of the past or rather our version of the past. Sometimes we embellish our memories and either feel bad about the way we remember events or glorify the past and long for what was. All we can do is learn from whatever happened and apply those lessons to our life today. If you have a regret about something from your past, know that it’s just a reminder that you’re human. It’s better to let it go than to resist feelings of regret because what we resist persists and we’re all capable of learning and growing. Sometimes talking through regrets with a friend or trusted advisor can put things in proper perspective. Let’s not let memories of the past impede our enjoyment of the life we have in front of us and our future possibilities.

“The biggest lesson I’ve learned is that hurt people hurt people, and kindness is just as contagious. So, if you can focus your efforts on engineering kindness, it will prevail.”
– founder of Bumble, Whitney Wolfe Herd

Be Kind.

Sometimes the simplest life lessons are the toughest to apply. Because we’re human, we’re wired for safety, and fear plays a major role when it comes to us feeling protected from danger. We’re not always sure of others’ intentions and because fear is so powerful, we can mistake kindness for weakness. It’s even true of ourselves. We’ve been conditioned, I say, conned into believing that strength is being tough when the truth is that our real strength is in our ability to be vulnerable. Learning to be kind toward ourselves takes us back to lesson number one: it’s the recognition that we are important, and we matter. Keep in mind that how you speak to yourself about yourself and how you speak to others about yourself is important because what you put out there is what will be returned to you. Keep kindness top of mind when you’re doing business with others too; it’ll make a difference for everyone and trust me, kindness is a gift that keeps on giving. When we’re kind to others, we feel good thanks to kindness hormones like oxytocin, it helps with blood pressure and ultimately our kindness influences others to be kind as well.

“When you share your story and become vulnerable, the ripple effect and the people that you can help along the way is a life lesson.”
– Sophie Gregoire Trudeau

Don’t Worry, Be Happy.

This is another way of saying that we should focus our resources and attention on what’s important in life today. There will always be situations that don’t go to plan, people who don’t measure up to our expectations, or having our words and actions disappoint others. The key here is to remember that what other people do and say reflects something in them and has nothing to do with us. We give power to the wrong thing, when we’re focused on how other people disappoint us. While we can’t control life events and other people’s actions, we can control our response to life events and other people’s actions. Worrying about what other people might do or what might happen is like praying for what we don’t want. It’s far more productive to focus on what we do want and take small steps in that direction. This way we take power away from worry and create more space for peace.

“He has not learned the first lesson of life who does not every day surmount a fear.”
– Poet and writer, John Dryden

Make Play Part of your Day.

Nobody teaches children how to play. Every day they wake up ready to engage in as much fun as possible, using their beautiful imaginations to create magical experiences. We know that play is beneficial for their cognitive function as well as their physical, emotional and social well-being. We encourage kids to play for those reasons and we overlook the fact that maintaining a playful mindset is helpful in the same way for adults. Whether it’s sports, board and card games, puzzles, acting, dancing or singing, we’re reducing stress, nurturing connection, emotional well-being and keeping our beautiful brain challenged and alert. You can double the fun by pairing up older people with younger people. Intergenerational play is fun for everyone.

“The biggest lesson I learned this year is not to force anything, conversations, friendships, relationships, attention, love. Anything forced is just not worth fighting for, whatever flows flows, what crashes crashes.”
-entrepreneur, Amanda Rose

Don’t Force Anything

This may be one of the hardest won lessons of the bunch. We humans love our control. We like it when life goes the way we want it to. We like it when people like us and when they do what we think they should do. We’re frustrated when people don’t do what we expect them to or heed the advice we offer. This human experience has its joys, and control does not fuel that feeling. All it does is produce anxiety. It’s good to keep in mind that every person has their journey in life and lessons to go along with it. We’re not in charge of anybody else’s experience and simply accepting this important truth will give us more energy and peace as we navigate our own life adventure. Another aspect of this to keep in mind is that not everyone will like us regardless of our talents or our generosity. As challenging as it is, it’s more important to be true to ourselves than to seek approval from others.

“Life changes for the better when we realize that we don’t have to know everything, and we don’t have to pretend that we do.”
– author and business leader, Simon Sinek

These life lessons are a reminder that we’re not alone; we’re all in this together and with some encouragement, we can shift our perspective to improve our circumstances. Our open mind and our willingness to learn give us the power to enrich our lives and shape our experience for the better. Here’s to our best year in 2025

in Healthy Aging Posted by Kathie Donovan

12/20/202412/12/2024

Are you a Canadian resident with U.S. property?

Thinking of purchasing property in the U.S.?

Here’s a topic that often comes up in estate planning and financial services. Owning property in the U.S. is something we discuss at a high level with our clients, particularly when planning their estate. We always refer them to a U.S. accountant for further guidance and detailed advice.

There are many intricacies involved in owning property in the U.S., so it’s a best practice to consult a U.S. accountant—whether you’re considering the purchase or reviewing the details after acquiring property.

Are you a Canadian resident with U.S. property?
Author: Valerie Markidis
Wealth Planning Consultant with Cl Assante Private Client’s Wealth Planning Group

With the weather cooling and winter on the horizon, snowbirds are poised to fly south-but if you’re looking to purchase a property in the U.S. or returning to one you already own, you may face estate planning complexities.

On death, Canadian residents’ estates may owe income taxes in Canada, since there’s a deemed disposition of all assets owned personally. The resulting capital gains on property, including U.S. property, will be taxed at the appropriate inclusion rate based on the Canadian value of those capital gains.

The estate may also owe income taxes to the U.S. Internal Revenue Service, though a tax credit may reduce the impact of double taxation.

In addition to U.S. and Canadian income tax, there is also U.S. estate tax to consider. U.S.
estate tax is calculated differently based on whether or not the deceased is a U.S. citizen; for this discussion, we will assume the person who died was not a U.S. citizen.

U.S. estate tax may apply if, at death, the deceased:

Owned U.S. situs assets (including U.S. real estate) with a value greater than US$60,000, and
Had a total value of worldwide assets greater than the U.S. exemption for the year of death

The current per-individual U.S. exemption rate is quite high, at US$13,610,000 in 2024 and rising to US$13,990,000 in 2025. However, it is scheduled to reduce to approximately
US$7,000,000 in 2026 unless there are legislative changes.

Professional advice is essential
If you’re planning to purchase a property in the U.S., consult with legal and tax professionals specializing in cross-border estate planning to ensure the proper ownership structure. For instance, you may decide to own the property jointly with your spouse or other individuals, with rights of survivorship, or you may choose to own the property indirectly, such as through a trust or partnership. Each type of ownership has its own implications, and the right one for you depends on your specific situation.

In addition, if you expect to own a U.S. property on your death and will be exposed to U.S.
estate tax, proper estate planning is important. Strategies that may be beneficial include:

Using life insurance
Gifting assets during your lifetime
Using a non-recourse mortgage to reduce the value of the U.S property
Donating the property to charity on death

To simplify handling your estate after your death, it may be wise to have a separate will for your U.S. property. While your Canadian will can cover your U.S. assets, this often creates administrative challenges, leading to delays and additional costs in settling your estate.

Summary
If you own or plan to own a U.S. property, seek legal and tax advice from an advisor specializing in cross-border estate planning to ensure your wishes on death are realized in the most tax-effective manner.

in Financial Freedom Posted by Marci Perreault