Ayoba Financial Services

Ayoba Financial Services is very excited to have been chosen to be the Surrey Board of Trade's Business of the Month. Art Claxton is to be interviewed by Ian Power on June 11 on Pulse FM morning show at 8:35am. Tune in to learn more about the unique services we offer. 107.7FM

As Summer approaches will it find you hard at work with little time to spend with the family? Are you saying, "Maybe next year"? A Cash Flow Plan would help you find the time and money you need to enjoy your family, when they need you.

Having a successful final lap to your year! Your summer vacation is over, and it’s time to get back into high gear at work and turn your attention to money matters. As you head into the final quarter of the year, take some time to review your financial progress. Are you on track to meet your RRSP, education, and other savings goals, debt reduction targets, and investment objectives for 2017? Accelerate your plans: if everything’s on track, take full credit and celebrate! The...n, accelerate your action plan by aiming higher. Maybe you can boost your monthly savings by 10 or 20%. Look at your goals for next year based on the stepped-up saving plan. Then, project ahead five or 10 years see what the impact this could have over time. Could you own a summer cottage or winter condo sooner than you think, could you move up your retirement date? Turning things around: If you’re falling short of your goals, take advantage of the remaining months to turn things around. You may be able to make up lost ground by stepping up savings, trimming expenses, reducing taxes, or earning a performance bonus. What if your goals for 2017 are no longer realistic due to changing circumstances? Whether the change involves a loss of job, major clients, or unexpected bills, deal directly with the issue now. Taking action today will help alleviate the stress and prevent the problem from becoming a much bigger financial headache. Review your ideas with your Behavioral Cash Flow Specialist to ensure the financial aspects of your ideas are sound and can fit into your ongoing plan. See more

Breast Cancer Awareness Month October is Breast Cancer Awareness month. In Canada currently one out of eight women will be diagnosed with this disease. There is some good news regarding this life threatening disease. From 1975-2006 the 5 year survival rate rose from 72.2% to 90.6% according to the Centre for Disease Control and Prevention. Ongoing research continues to improve recovery rates, from 2002 to 2011 there was a resulting increase in the survival rate of 2% per ...year found by the National Cancer Centre. With the high incidence of women in Canada getting Breast Cancer why are we surprised when someone in our family or a close friend is given this diagnosis? Should it happen to you, you want to be encouraged by the progress on the health side of this issue. There will also be an economic impact. You will want to take a year off of your work, whether you work outside of the home or as domestic goddess. Having money to fill that economic gap becomes critical at this time. You can arrange critical recovery insurance which will give you a lump sum as soon as you have breast cancer. A 30 year old woman can have $100,000 deposited to her bank account for less than the cost of a cafe latte each day. Having a well-planned recovery strategy will make an enormous difference to your family and give you peace of mind. What if the news is very good and you do not get breast cancer? You can arrange your insurance to return your premiums if you stay healthy. Having a life threatening illness is serious, having one with no money is much worse. See more

The Surrey Guildford Rotary does a lot to make a difference in Surrey. Check out their book sale at the Guildford Mall, find some great reads and help the world be a better place!