Niko Bruno

Debt is a hard part in our lives, and many aren’t sure how to get ahead. One simple trick to help dampen the pain of debt is to pay off debts based on their interest. If you have a credit card with 19% interest and a student loan with a 3-4% interest, it will be better to pay off the credit card before paying off your student loan. Always start with the highest interest first and work your way down.

Imagine if you or your spouse were not there anymore to provide their income to the family. How will your family goals and dreams be achieved. We must prepare for the unexpected. What plan have you put in place for this occurrence ? #lifeinsurance #financialplanning #financialsecurity

Businesses of all sizes have to know their finances, one of the best ways to get a clear understanding is to conduct a financial analysis using all the records you have available to see where your company stands internally as well as in comparison to other small businesses. #financialadvising #business #financialanalysis

A very popular form of budgeting is a zero-base budget, offering you a simple yet effective way to manage where all your money is going each. #budget #financialsecurity #finacialadvise

Emergency funds are an important savings goal. These are not part of your investments, but easy to access cash in your checking or savings account. The fund offers you the protection of financial losses in the short term. We never know when well have an unexpected cost that must be paid immediately. 3 to 6 months of your salary is recommended. #savings #emergencyfunds #financialsecurity

Picking which to invest into often comes down to your own risk tolerance. A mix of both to diversify your portfolio can be a great long term investment strategy. Follow @nikobrunofinancial for more financial tips #investing #stocks #bonds

Debt is a hard part in our lives, and many arent sure how to get ahead. One simple trick to help dampen the pain of debt is to pay off debts based on their interest. If you have a credit card with 19% interest and a student loan with a 3-4% interest, it will be better to pay off the credit card before paying off your student loan. Always start with the highest interest first and work your way down.

Many people are disqualified from purchasing additional insurance based on medial issues that developed over the course of their previous policy, having a G.I rider added to your policy when you are young can save you the headache of a potential decline due to medical issues later in life. Follow @nikobrunofinancial for more financial tips

Life can often be unexpected, in the scenario you become ill or injured you may be able to use a premium waiver rider on your life insurance policy to cover the missed payments. The rider is added when you purchase your policy in the event you can not make payments due to unexpected illness and injury.

You probably hear RRSP and TFSA be tossed around almost as if they are the same thing, and in a lot of ways they are. Both accounts are great saving tools each with their own pros and cons depending on where you see yourself financially in the future.

Many elderly people end up needing some form of medical and living care when they are retired, long term care insurance is a useful tool that ranges in price depending on situations. Planning for the need of assisted care should be done as retirement moves closer.

Retirement should be a relaxing and happy time for everyone, but for some it is quite the opposite. Poor planning when you are young can have drastic effects on your retirement and should be addressed as soon as possible.

Many people learn through trial and error. However, your finances should be well developed to ensure security. There are many different ways to budget and use your money but there are also realities most people should consider when developing a financial plan.

Budgeting and paying bills can leave many people depressed about their money and how little they really get to spend. But knowing when and how to splurge can help relieve some of the pains that come with strict budgets.

Life insurance is a key part in your financial portfolio, but digging through company after company can be unsavoury and might actually push many people away from getting a life insurance policy. Here is a short and simple guide to help you with your life insurance hunt.

Getting a bonus is an amazing feeling, like all the struggles you put up with are suddenly worth it. But misusing that bonus could actually make you feel worse than you did before you even got it. Its important to plan and budget your bonus before you cash out.

For many Canadians, the goal of owning a home is becoming more and more of a dream. But there are simple steps anyone can take to help save an extra bit of money each month to eventually get the downpayment needed on a new home. #budgeting #saving #firsthomebuyersplan

Subscription services are an amazing thing, but they can quickly drain a budget. Its always a good idea to evaluate how much you spend on a specific service and cut the services you dont need. Another great way to maintain subscriptions is to share with close friends.

A child rider insurance protects your family if the worst happens, and can also be converted into a permanent insurance policy when your child/children are older. Protecting your family means mourning without the financial worries. Follow @nikobrunofinancial for more financial tips

Your ability to earn an income is the greatest asset you can have, protecting your family in the event you are unable to work means less financial worry while you focus on getting better. Follow @nikobrunofinancial for more financial tips

The 50/30/20 spending plan is a very effective way to monitor your spending as well as save for the future or pay down debts. Limiting how much you spend in each area of your life can help you better control your cashflow. Follow @nikobrunofinancial for more financial tips @ Laval, Quebec

RRSPs are a common way many people save for retirement, but did you know there is more you can hold in RRSPs than just mutual funds? Follow @nikobrunofinancial for more financial tips

Insurance is a big investment, especially when it comes to providing the financial security to you and your family. Having the flexibility to alter or cancel a policy in the first 10 days with a full refund gives consumers the safety to buy insurance that fits their life perfectly. The free look period gives you more time and lets you ask questions incase you dont feel the policy is a good fit. Follow @nikobrunofinancial for more financial tips

For many people, budgeting can be stressful, and with so many different ways to budget many people dont know where to look for an effective yet simple plan. This simple budget plan gets rid of all the categories and replaces tiring tracking with easy to understand auto trac Follow @nikobrunofinancial for more financial tips

The insurance policy you bought when you where younger may not be suitable for your life now, whether you have had kids or made health changes to your life. A new policy might also have benefits associated with it that your current policy does not possess. Follow @nikobrunofinancial for more financial tips . .... . . . #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation @ Montreal, Quebec See more

Your Registered Education Savings Plans are a key part of your money portfolio. Whether youre just getting started or you are about to start taking money out, there are steps you can take to get more out of your money. Follow @nikobrunofinancial for more financial tips . . .... . . #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation See more

Spending decades saving money for retirement is an achievement in itself, but once you have retired it is important to make sure you are able to support yourself for the rest of your life. These tips can help you understand some key areas you may want to spend some time considering options available to you. Follow @nikobrunofinancial for more financial tips . .... . . . #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation @ Montreal, Quebec See more

Student loans can be a crippling debt if not handled and planned out properly, Its important to keep these six tips on your mind as a post secondary student. Follow @nikobrunofinancial for more financial tips . . .... . . #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation @ Laval, Quebec See more

Life insurance policies get more expensive the older you are. While purchasing life insurance when youre young may sound like a waste, its a good step to protecting the ones you love as well as your future family. Follow @nikobrunofinancial for more financial tips . .... . . . #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation @ Montreal, Quebec See more

Your credit score is one of the most important parts of your financial portfolio, improving your score could mean better opportunities down the line and in the near future. Follow @nikobrunofinancial for more financial tips. ... #money #finance #investing #tips #life #education #personalfinance #wealth #saving #financialplanning #budget #moneytips #financialliteracy #instagood #education #debtfreejourney #success #investement #insurance #lifeinsurance #criticalillnessinsurance #financialadvisor #retirementplanning #financialservices #wealthmanagement #buildingwealth #savingmoney #savings #debtfree #financialsecurity #financialeducation

With the New year around the corner, many people will be looking to set new goals and targets they want to hit in 2020, SMART goals provide an easy to follow way to write down and stick to your goals so they dont get forgotten in our minds. Follow @nikobrunofinancial for more financial tips. With the New year around the corner, many people will be looking to set new goals and targets they want to hit in 2020, SMART goals provide an easy to follow way to write down and stick ...to your goals so they dont get forgotten in our minds. Main article source: SimpleDollar #businesspassion #business #entrepreneurship #grind #hustle #learn #education #startup #success #successquotes #build #startuplife #businessowners #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #businessowners #motivation Main article source: SimpleDollar #businesspassion #business #entrepreneurship #grind #hustle #learn #education #startup #success #successquotes #build #startuplife #businessowners #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #businessowners #motivation See more

The Holiday are here, traveling is a goal many people have and tirelessly save for, but not having travel insurance can seriously jeopardize the trip and the money you have already spent to leave home. Make sure to have it when traveling. Follow @nikobrunofinancial for more financial. ... #businesspassion #business #entrepreneurship #grind #hustle #learn #education #insurance #success #successquotes #build #travel #safety #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #savingstips #motivation

Reading reviews about insurance companies as-well as looking into their financial state can go a long way in getting the best value insurance for your money. Speaking to an independent advisor can also help guide you through many companies different policies. Follow @nikobrunofinancial for more financial tips ... #businesspassion #business #entrepreneurship #grind #hustle #learn #education #startup #success #successquotes #build #insurance #savingtips #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #businessowners #motivation See more

Key person insurance can help protect your business from financial losses in both permanent and term based policies which vary depending on the key persons role within your business. Follow @nikobrunofinancial for more financial tips. ... #businesspassion #business #entrepreneurship #grind #hustle #learn #education #startup #success #successquotes #build #startuplife #businessowners #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #businessowners #motivation @ Montreal, Quebec See more

When determining the right insurance policy for you or your business, there are very important questions to ask to ensure you are getting the best deal as-well as the best possible policy. Follow @nikobrunofinancial for more financial tips. ... #businesspassion #business #entrepreneurship #grind #hustle #learn #education #startup #success #successquotes #build #startuplife #businessowners #ambition #dream #goals #lifegoals #goforit #nevergiveup #successmindset #businessman #businesswoman #businesslife #entrepreneurlifestyle #goodlife #entrepreneur #motivated #businessowners #motivation See more