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Name: L. Bonde Email: lbondex1@gmail.com Phone: confidential please Type of Care: Referral Source: I do not have Facebook. Please add online my comments below to your most recent financial article by Martin-Guy Bernier of Desjardins Securities. Thank you. _________________________________ Your "Advise" is like you are talking to children learning about finances. What you should have discussed are options like keeping your residence & subscribing to BNB short term rentals of part of the house; how to talk to a banker when buying GIC's, looking at other provinces that offer totally secure monthly payouts, & your entire principal available at any time, with no penalties, etc. No 1% for me... my $50,000. GIC's get me 2.75% on a 1-year term. No- I am not a wealthy person but I push bankers to call head office for better rates & do other things that catch their interest in me. I could go on... I also purchase investments with a Guaranteed rate- now about 4% that could rise with the market with my principal that is 100% guaranteed by a major trust company, no matter what HAPPENS IN THE MARKET. AND- They pay me interest on a Monthly basis should I wish it so. The fees are next to 0%. MONTHLY CASH FLOW IS WHAT SENIORS REQUIRE....not locked in GIC's or questionable deals security brokers promote. MONTHLY CASH FLOW IS MY FOCUS..