Jerome Bitun

There’s a good chance that you are related to, or know someone with a disability. There are 3.8 million Canadians or 13.7% of the Canadian population aged 15 or older that are reported to having some form of disability. Canada has a good savings and benefit program in the form of government grants and bonds, but many people who qualify for the disability program are not aware that Canada has a Registered Disability Savings Plan (RDSP). While we are all probably familiar with Registered Retirement Savings Plan (RRSP) and Registered Education Savings Plan (RESP), very few have heard of the RDSP. The RDSP is a vehicle for tax-deferred growth and a “matched” savings plan for people with a severe and prolonged disability. For Canadians who qualify, the RDSP is a great way to achieve long-term financial security. Who qualifies? To qualify for the RDSP, the beneficiary of the program (the person with the disability) must meet four criteria. He or she must: - be under the age of 60

Let's face it, our digital lives are completely intertwined with real lives. Everybody is connected digitally in one way or the other. We all have one or more of these services like e-mail, Facebook, Instagram, Twitter, LinkedIn, etc. While we all manage them personally, what happens when we pass away? Who manages them to inform your friends and family that you are no longer around and how do you want your online life to be managed so that it will be delete or deactivated so that no one can hack or impersonate you? As far as I know, there is no law in Canada allowing for the passing of your digital assets to your estate or beneficiary. Your digital assets is not the same as your physical and financial assets which can be passed on. This leaves a lot of problem for the survivors since online companies usually do not just allow anyone to get access to another person's account even if that person is deceased without going through some rigorous processes to prove death and that y

A funny thing happened to one of our clients the other day. She lives in a condo with two kids under 3 years old. One day, she started smelling something bad coming out of her second bathroom so she called her property manager to complain and the property manager told her to call a plumber. The next day, a plumber came in and told her that since she doesn't use that shower that she should just run the shower for a while and the smell should go away. She did as the plumber suggested but the smell didn't go away. In fact, it just got worst each day. She called the plumber again and the plumber said he couldn't figure out what was wrong. So he decided to remove the wall to find out if there was a broken sewer line which could be the source of the smell. Once the wall was taken out, the smell got even worst, in fact, 10 times as worst. She described it as like hitting a wall of stink and it was unbearable. The plumber found nothing wrong and said the smell must be coming