Investment Advice � Bill DeWinter
Manulife One could save you thousands... Traditional banking has
you managing daily finances by depositing your income into chequeing
and savings accounts while borrowing through mortgages, lines of
credit, loans and credit cards. Unfortunately, you usually receive
little or no interest on the money you deposit and pay higher interest
on the money you borrow.
Simple - Sensible - Savings
What if you could combine your deposits and your borrowings into one
account? After all, by using your money.
To save and protect . . . now you can do both savings and income
to reduce your debts, you could save much more in interest costs than
you'd likely ever make in interest earnings. Use the calculator right
now and discover the incredible potential savings you could realize
with Manulife One.
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Bill
DeWinter BA (Econ)
Certified Financial Planner
KW Area:
1.519.880.8171
Toll Free:
1.888.665.7534
London: 1.519.264.9988
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DeWinter Financial
Founded in 1995
CFP
Since 2000
P.O. Box 781
Mt. Brydges
ON Canada
N0L 1W0
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Manulife One key
features and day-to-day details
Manulife One truly is �Banking, the way it should be.�� It's the most
practical and efficient way to manage your money.
Accessing your money
Accessing your money is easy. Use any of the following ways:
We'll help pay for the
appraisal and legal fees
Any time a mortgage is set up, there are costs involved. Appraisal
fees are charged to assess the value of the property and legal fees
result from title searches, witnessing the signatures and registering
the mortgage.
When you set up your Manulife One account, Manulife Bank will cover
the cost of one appraisal, although sometimes two appraisals are
required (specifically for accounts with a borrowing limit in excess
of $1 million). Manulife Bank will also pay for the costs of normal
title insurance on all Manulife One accounts. For a home purchase, we
will cover all of the above and up to $300 of the legal costs too.
We do not cover any penalties or fees that your current financial
institution charges you for canceling your mortgage early.
Tracking specific debts (sub-accounts)
Sometimes, you may want the option of segregating some of your
borrowings to track them separately. You can set up sub-accounts with
your Manulife One account. For example, if you wanted to borrow from
the account for investment purposes and track the interest on those
borrowings separately (to deduct for tax purposes), you could set up a
sub-account to do that.
You can even set up one �fixed-rate� sub-account if you are more
comfortable with that. This allows you to lock-in part of your
borrowings (up to 75% of the current balance) at a highly competitive
fixed-rate. You may choose a fixed-rate term of 1 to 5 years. The
fixed-rate sub-account features an attractive pre-payment privilege
that allows you to pay up to 10% of your original fixed-rate
sub-account amount toward the outstanding principal each year. For
example, if your original fixed-rate sub-account amount was $100,000,
you could pay up to $10,000 annually against the outstanding
principal.
More
Investment Products ...
Call Bill DeWinter
- Toll Free:
1.888.665.7534
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