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Daniel La Tour

1-888-977-7778 Monday-Friday 9-9, Saturdays 11-5, EST. Our International Number is: 1-514-630-6116

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World Headquarters:
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CANADA H9H 4Z5

eNewsletter: Volume 1, Edition 6, March 1st, 2007

Natural Highs.

1. Falling in love.
2. Laughing so hard your face hurts.
3. A hot shower.
4. No lines at the supermarket.
5. A special glance.
6. Getting mail.
7. Taking a drive on a pretty road.
8. Hearing your favorite song on the radio.
9. Lying in bed listening to the rain outside.
10. Hot towels fresh out of the dryer.
11. Chocolate milkshake (vanilla or strawberry).
12. A bubble bath.
13. Giggling.
14. A good conversation.
15. The beach
16. Finding a 20 dollar bill in your coat from last winter.
17. Laughing at yourself.
18. Looking into their eyes and knowing they Love you
19. Midnight phone calls that last for hours.
20. Running through sprinklers.
21. Laughing for absolutely no reason at all.
22. Having someone tell you that you're beautiful.
23. Laughing at an inside joke with FRIENDS
25. Accidentally overhearing someone say something nice about you
26. Waking up and realizing you still have a few hours left to
sleep.
27. Your first kiss (either the very first or with a new partner).
28. Making new friends or spending time with old ones.
29. Playing with a new puppy.
30. Having someone play with your hair.
31. Sweet dreams.
32. Hot chocolate.
33. Road trips with friends.
34. Swinging on swings.
35. Making eye contact with a cute stranger.
36. Making chocolate chip cookies.
37. Having your friends send you homemade cookies.
38. Holding hands with someone you care about.
39. Running into an old friend and realizing that some things
(good or bad) never change
40. Watching the expression on someone's face as they open a much desired present from you.
41. Watching the sunrise.
42. Getting out of bed every morning and being grateful for another beautiful day.
43. Knowing that somebody misses you.
44. Getting a hug from someone you care about deeply.
45. Knowing you've done the right thing, no matter what other people think.

Thank you Mary Smith for sharing Natural Highs.

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Why Buy Life Insurance?

"We've all heard the saying by Benjamin Franklin: “In this world nothing can be said to be certain except death and taxes.” This quote is as true today as it was in Franklin's day when he first penned it in a letter.
While a touch on the morbid side, the good news is life insurance can help minimize the financial impact of both these certainties.
(Term) Life and death
Term life insurance provides affordable protection for your short or long-term goals, with the flexibility to renew, convert, or modify the amount of your insurance to meet your future needs.
Typically, life insurance is purchased to:
Pay off any final expenses or personal debts like credit cards, car loans or a mortgage
Offset the loss of a provider's income for those who rely on that person's financial support
Contribute to the future education of children and grandchildren
But how can life insurance help offset the taxes you or your estate will have to pay?
Your estate and taxes
In Canada, taxes must be paid on the assets of a person's estate that have appreciated in value when it is passed onto someone other than a spouse.
So for example, if at your death your intent is for your children to enjoy the family home, cottage, RRSPs, stocks, art, or jewelry, and these items have increased in value since they were originally purchased, your children will have to pay taxes on the gain in value.
The money from a life insurance policy can be used to ensure that as much of your estate as possible is passed on to your beneficiaries. Instead of having to cash in or sell any of your assets to pay the taxes, they can use your life insurance money to cover any taxes on the assets they inherit.
Even better, the insurance money your beneficiaries receive as a result of your life insurance policy is not subject to income tax. It's tax-free!
Term life insurance, your favourite charity and tax benefits
You may wish to leave money to your favourite charity. If so, you've got a couple options that offer tax benefits—some now or some later.
If you're looking for an immediate annual perk now, you can purchase a life insurance policy making the charity of your choice both the policyholder and beneficiary. Since you've committed to paying the premiums for the duration of the life insurance policy, you receive a tax receipt every year for the amount you pay annually in premiums. Keep in mind however that although you are paying the premiums, you are not the owner of the policy. This means you have promised to make annual donations to this charity for the life of the policy.
This may sound like a big commitment, but when you consider how affordable life insurance is, it's a great way to donate to your favourite charity.
For example:
A 35 year-old non-smoking male can get a 10-year term $100,000 policy for as little as $129 per year (February, 2007). For 10 years, you'll pay the premium of $129 and get a tax receipt from your charity.
A 35 year-old non-smoking female can get a 10-year term $100,000 policy for as little as $109 per year (February, 2007). For 10 years, you'll pay $109 annually and get a tax receipt from your charity.
Another option is to donate the proceeds of your life insurance policy. In this case, you are the policyholder and your charity of choice is the beneficiary. While you won't realize any immediate tax benefits—you will not get a tax receipt for the premiums you pay each year—you will get a tax receipt, for use on your terminal tax return, for the donation of your insurance money the year you die." *

*Sympatico / MSN Finance’s editorial goal is to provide a forum for personal finance and investment ideas. Our articles, colum message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft or Bell Canada of any specific security or trading strategy. Neither Microsoft nor Bell Canada shall bear any responsibility to an investor based on actions taken in reliance of them. An investor's best course of action must be based on individual circumstances.

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Email: daniel.latour@justincaseinsurance.com

Toll-Free: 1-888-977-7778 Monday to Friday 9AM to 9PM EST

--------------------------------------------

Daniel La Tour

JustinCase.
JustinCaseInsurance.com
Canadian Independent Insurance Broker
Financial Security Advisor
Conseiller en securite financiere
Mutual Fund Representative (Quebec)
World Headquarters:
147 Place Terry Fox,
Kirkland, Quebec
H9H 4Z5
Email: daniel.latour@justincaseinsurance.com
Website: www.JustinCaseInsurance.com
(514) 630-6116
Toll-Free: 1-888-977-7778
Toll-Free Fax: 1-888-245-5505
MSN Messenger: latourdaniel@msn.com

"We Make Sure You Have Enough Insurance, For Less Money ! "

Life Insurance, Private Health, Drug & Dental Plus Benefits, Worldwide Emergency Medical & Hospital Insurance, Group Benefits,
Disability, Critical Illness & Long Term Care Insurance, RRSP's, RRIF's, Annuities,
Mutual Funds, Seg Funds, Travel Insurance.