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The federal government says there are four things to consider when deciding when to begin participating in Old Age Security and Canada Pension Plan: “current and future sources of income, current and future employment status, health and plans for retirement.”  |  Getty Image

More later or less sooner

Life after retirement has never been more flexible for those planning their financial future, especially when it comes to receiving Old Age Security and Canada Pension Plan payments. Since 2013, anyone can defer their OAS and CPP payments to later dates and have more control over the look of their finances. For both programs, there […] Read more

Farmers can also defer income by buying inventory in the current year that is intended for next year’s crop.  |  Getty Images photo

Income deferral unique opportunity for farmers

Only five or six types of grain have been formally acknowledged as acceptable, but the list has been informally extended

It is an understatement to say that tax time is stressful. But farmers have a unique opportunity when it comes to claiming their farm income that can help lessen this stress. Compared to other industries, farmers report their income on a cash basis. According to BDO’s Tax Planning for Canadian Farmers, “farmers only have to […] Read more

Does your pet need a passport? No, but having the right paperwork and a clean bill of health from your veterinarian can be important to easy movement across borders.  |  File image

Going south with Fluffy and Fido

Pet owners who want to head south this winter have a few options on how to deal with their four-legged loved ones. They can board their cat or dog at a kennel, but that can be expensive. They can ask a neighbour to feed, water, walk and care for their pets, but that is a […] Read more


Age-related dementia rates are falling at the same time that society’s ability to meet the needs of older people in the community are rising.  |  File photo

Multiple studies find dementia is decreasing

The declining rate is linked to higher levels of education and better control of heart disease and high blood pressure

At a time when the only medical treatments available for dementia are providing, at best, a little help, there is some good news about this dreaded disease. Studies in England, Wales, Denmark and the United States have found that dementia rates are going down. In England and Wales, it was found that dementia rates have […] Read more

There are advantages and disadvantages in transferring freehold mineral interest to a corporation rather than to individual beneficiaries.  | REUTERS/Nick Oxford photo

Keeping the mineral rights right

If there isn’t an oil well on the back 40, mineral rights may be something you never even think about, but maybe you should. “Often the family is not even aware of their existence until they are discovered during a routine title search in the administration of a deceased family member’s estate,” says Humboldt, Sask., […] Read more


Couples divorcing face the same dilemma that besieges non-divorcing couples: how to make things fair for the kids that aren’t farming?  |  Getty Images

When grey divorce meets estate planning

When practicing matrimonial law, the first thing Wynyard, Sask., lawyer Bill Klebeck asked farmers seeking a divorce was, “how many kids do you have and what do they do?” “If they’ve got grown children who are farming with them or who are taking over the farm, then you take a different approach, rather than saying, […] Read more

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Some people divorce and some people don’t

Not all of Clive Tolley’s clients want a divorce. Some just want some space. “I’ve had several clients that have got to a time in their life where they just wanted to have some independence and do some things they wanted to do and didn’t get a chance to do. They kind of still love […] Read more

Luxury retirement homes offer comfort and choice

Luxury retirement homes are a fairly new phenomenon, their popularity attributed to the desires or sheer numbers of the boomer generation. Canada may be poised for a seniors’ retirement home construction boom to accommodate the number of aging baby boomers, and like most of the things the big wave of post-war babies has done, they […] Read more


Could mediation replace litigation in divorce?

Moose Jaw mediator Clive Tolley says that about 50 percent of his work is with couples seeking divorce or separation. Some of these couples are part of the so-called boomer generation and some are older. Some contact him on their own, some are referred by their lawyers and some are ordered by the court to […] Read more

Farmers who are thinking about selling the farm should start by considering what they want to do with the money.  |  File photo

How to get the most out of a farmland sale

Selling farmland has changed along with the price. While demand is obviously higher, so are the opportunities to improve the sale price and shorten the period that land is on the market. In many cases, the value of grain land on the Canadian Prairies doubled in the five years after 2010 and has seen solid […] Read more