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Author Archive: Andrew W Bradley

Andrew is a licensed Life Insurance Broker and Registered Retirement Consultant-RRC® helping Ottawa families since 2011. He is a father of two boys, owner of LifeInsurance-Orleans.ca, LifeInsurance-Ottawa.ca and was a host of Ottawa Experts on Rogers Cable 22.

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Why Did My Life Insurance Rates Go Up?

| September 27, 2016 | 1 Comment
Why Did My Life Insurance Rates Go Up?

Why Did My Life Insurance Rates Increase? What Do I Do Now? …and What Options Do I Have Now? One of the most common questions I receive is “Why did my life insurance rates go up?” This relates to the type of policy your originally purchased. Most people purchase “Term” insurance for the affordability and […]

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Do You Really Need Life Insurance?

| August 25, 2016 | 5 Comments
Do You Really Need Life Insurance?

Most people understand how life insurance works and what it is designed to protect against. They may also have family commitments and people who they provide for and know that some sort of life insurance would protect their family financially, if something were to happen to them. However, it is still often a very difficult decision […]

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Glamping it up at Parkbridge’s Parc La Conception

| August 23, 2016 | 5 Comments
Glamping it up at Parkbridge’s Parc La Conception

    Our site is already set up and ready! I have to admit when I first heard about “Glamping” I thought it was pretty silly. Now I’m not going to win Survivor or anything like that but to me tent camping wasn’t supposed to be a weekend at the spa. However, after spending 3 […]

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Saving Money on Your Summer Energy Bills

| June 9, 2016 | 11 Comments
Saving Money on Your Summer Energy Bills

  Saving money and energy use in the summer is not only great for the environment, but is also great for your family budget. With the school year almost over its time to start thinking about you and kids spending more time at home. It takes only a few simple steps to cut your energy bill […]

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Mortgage Application Checklist For First Time Home Buyers

| April 18, 2016 | 7 Comments
Mortgage Application Checklist For First Time Home Buyers

  Mortgage Application Checklist For First Time Home Buyers If you have a dream about owning your own home and applying for a mortgage then you may be a bit nervous when beginning the process. While having your own home is just about every family’s dream the high prices and paperwork involved can be overwhelming. […]

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Buying Life Insurance: A Shopping Checklist

| March 22, 2016 | 3 Comments
Buying Life Insurance: A Shopping Checklist

  Buying Life Insurance: A Shopping Checklist When shopping for term life insurance, you want to find the right amount of insurance coverage at a reasonable price with a company you can trust. But for many people, getting started is the hardest part. That’s where the following Life Insurance Checklist can help. 1. What you […]

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Taking In the Wonder of Disney On Ice: 100 Years of Magic! #Review #DisneyOnIce

| February 27, 2016 | 2 Comments
Taking In the Wonder of Disney On Ice: 100 Years of Magic! #Review #DisneyOnIce

  Mickey Mouse and a gang of his friends descended on the Canadian Tire Centre as their Disney On Ice: 100 Years of Magic brought up the curtain on their performance last night! My kids were as close as they could ever dream to some of their favourite characters as they skated, danced and sang […]

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Kung Fu Panda 3 Movie Review

| February 9, 2016 | 2 Comments
Kung Fu Panda 3 Movie Review

  Kung Fu Panda 3 is directed by Jennifer Yuh and Alessandro Carloni, and the voice cast stars Jack Black, Angelina Jolie, Dustin Hoffman, Bryan Cranston, J.K. Simmons, Seth Rogen, David Cross, Jackie Chan and Lucy Liu. It follows the continuing adventures of Po, voiced by Black, who is an unassuming hero. Po and his […]

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Whole Life Insurance – Coverage for Life

| January 19, 2016 | 3 Comments
Whole Life Insurance – Coverage for Life

Whole life insurance, also known as “cash-value” insurance is a basic and consistent type of permanent life insurance which remains in effect your entire life at a level premium. This life insurance is a good choice got you if you do not expect your life insurance needs to diminish over time. A portion of your […]

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Ford Canada – So You Think You Can Park #FordEdge

| January 7, 2016 | 6 Comments
Ford Canada – So You Think You Can Park #FordEdge

  On Saturday November 7th, I got to test my parking skills with the 2015 Ford Edge at the Canadian Space and Aviation Museum. I’ll have to admit I was a little nervous, I drive a small hatchback and with the added pressure of sitting next to professional driver watching me I didn’t want to […]

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4 Tips on Saving Money During the Holidays

| December 8, 2015 | 3 Comments
4 Tips on Saving Money During the Holidays

 Saving Money During the Holidays   With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring. Hence, it does not necessarily mean that because it is the holidays you have all the reason in this world […]

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Simple and Inexpensive Term Life Insurance

| October 27, 2015 | 2 Comments
Simple and Inexpensive Term Life Insurance

Term life insurance is basically a “no frills” type of life insurance. It is a life insurance for a specified duration limit, or time. You buy a specific amount of coverage for a specific time period by signing a contract. You pay for that coverage period and at the end of the term the policy […]

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Economic Cycles – The Stock Market Roller Coaster

| September 8, 2015 | 4 Comments
Economic Cycles – The Stock Market Roller Coaster

Make sure your seated and secured, get ready for a wild ride. With the biggest stock market drop in 4 years a couple of weeks ago caused by China’s central bank may have gotten your heart rate going again and have you checking your RRSP balance every hour.  The sky is not falling people, it’s […]

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Marvel Universe Live in Ottawa ~ A Review

| August 13, 2015 | 11 Comments
Marvel Universe Live in Ottawa ~ A Review

I stood at the front door and yelled. ” Avengers Assemble!” Captain America and Spider-man came running at me and then through me out the door, to the car and they hopped in. One quick picture and we were off to see Marvel Universe Live at the Canadian Tire Centre and all their favourite super heroes […]

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Summer School – Financial Tips for New Grads

| August 11, 2015 | 8 Comments
Summer School – Financial Tips for New Grads

Congratulations!  You’ve finished  several years of hard work and are excited to be out on your own.  No more teachers, no more books (well I hope not, you should keep reading) and ready to take on the world. Hopefully you’ve landed a great job to start yourself out, and your future is looking bright!  With […]

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Cottage Insurance – How to Take Care of the Tax Liability When Transferring it to Your Children

| June 23, 2015 | 3 Comments
Cottage Insurance – How to Take Care of the Tax Liability When Transferring it to Your Children

With the school year almost over and the long cold winter finally over (knock on wood), most of us our planning what to do this summer with the family. For some of you that means spending time enjoying the family cottage – campfires, swimming and mosquitoes. But what about future summers? When it comes time […]

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What to Expect When You’re Expecting a Paramedical Exam

| April 28, 2015 | 5 Comments
What to Expect When You’re Expecting a Paramedical Exam

Regardless of whether you’re purchasing a term or permanent life policy, you will probably have to undergo a life insurance medical exam. Unless you’re relatively young, applying for a very small policy or non-medical life insurance, it’s almost guaranteed that you’ll have to go through a paramedical. Usually, these tests are performed by paramedical professionals […]

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What is Underwriting?

| February 18, 2015 | 3 Comments
What is Underwriting?

Underwriting is a necessary evil in the insurance industry. Necessary, because insurance companies need to assess your probability of making a claim before they go ahead and give you insurance. If they didn’t do underwriting they would have too many people make too many claims and would not be able to sustain themselves as a […]

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What is the Ontario Retirement Pension Plan?

| January 19, 2015 | 5 Comments
What is the Ontario Retirement Pension Plan?

If you haven’t heard yet the Ontario government will be implementing a mandatory Ontario Retirement Pension Plan (ORPP) for all employers starting January 2017. Many of the details have yet to be worked out, with many of the rules still uncertain i.e. a recent consultation paper that said defined contribution plans would not be recognized […]

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Arghhh, Protect your Business, Your Crew and Yourself

| December 9, 2014 | 5 Comments
Arghhh, Protect your Business, Your Crew and Yourself

When you own a business in Ottawa things can go wrong that will impact you and your partners, your family and your crew.  You’re the captain, so when it comes to your business, you have both hands on the wheel at all times. You need your staff to run the operation, but the really big decisions fall on your […]

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Money for Life – Annuities What Are They and How Do They Work?

| October 28, 2014 | 3 Comments
Money for Life – Annuities What Are They and How Do They Work?

When it comes time to finally retire and start living the good life how much money are you going to need and how long do you need it to last so that you can do the things you want to do? According to World Health Statistics in 2014 the average male will live to age […]

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Why It’s a Good Idea to Put Off Buying Life Insurance

| October 7, 2014 | 4 Comments
Why It’s a Good Idea to Put Off Buying Life Insurance

According to a TD Insurance Risky Business Poll 31% of Canadians do not have life insurance and 40% of them say they don’t think it’s necessary.  One-third of Canadians worry they aren’t adequately protected by their insurance policies. What I hear most often when sitting across from people, people with kids and other liabilities is […]

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Who Gets Your Life Insurance?

| September 22, 2014 | 9 Comments
Who Gets Your Life Insurance?

The one thing you can count on in life is change. From getting married and having kids to getting divorced, then remarried and gaining step-children. The one thing that sometimes doesn’t get changed are the beneficiaries on your life insurance policy.  The main reason you have life insurance is to make sure your loved ones […]

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What Happens When You Die Without a Will?

| August 5, 2014 | 8 Comments
What Happens When You Die Without a Will?

A 1993 survey by the Trust Companies Association of Canada found that only half of all Canadians 18 years of age and older have a valid will. This means that half of all Canadians are at risk of dying intestate or without a will. Intestate also refers to the individual who dies without a will. […]

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