>>Joy A. Adams

About Joy A. Adams

Joy is the founder and CEO of Covenant Wealth Financial Services. She is also an entrepreneur, Business Mentor and Certified Cash Flow Specialist.

Super Visa Insurance


So, you are applying for the Super Visa for your parents or grandparents to come to Canada. They are currently going through the visa application process and they are told they will need Super Visa Insurance to cover their stay while they are in Canada. Before you start panicking, here are a few things [...]

Super Visa Insurance2019-04-16T12:13:28-04:00

Canadian Women Entrepreneurs Are Crushing It!


Author:  Joy A. Adams “Canadian women are creating startups at the highest rate among women in the G20 countries” according to Global Entrepreneurship Monitor (GEM) Canada Report on Women’s Entrepreneurship. This should not be a surprise to anyone who is a networker.  Many of the events that I have been to over the last year [...]

Canadian Women Entrepreneurs Are Crushing It!2018-12-10T11:08:38-04:00

How To Use Your Mortgage As A Debt Lifeline


With the current economic uncertainty, many people are looking for ways to reduce expenses. A relatively painless way to reduce your monthly expenses is to have a second look at the way you’re managing your debt. Over time, most of us take out a variety of loans for different purposes. These can include things like [...]

How To Use Your Mortgage As A Debt Lifeline2018-03-30T13:09:28-04:00

Still Not Sure Behavioural Cash Flow Planning Is For You?


If you are still not convinced that cash flow planning is important to your over all financial plan – let’s us recap a few key points. Behavioural Cash Flow Planning is not a BUDGET.  Although there is nothing wrong with having a budget.  Many of us will agree that over time it does not really work because [...]

Still Not Sure Behavioural Cash Flow Planning Is For You?2018-03-30T01:52:22-04:00

Does It Make Sense To Buy Term and Whole Life Insurance


My answer to Does it make sense to buy term and whole life insurance? Answer by Joy A. Adams: I hope I am interpreting the question correctly – you are asking if it is better to get term AND permanent insurance? Not – term OR permanent insurance? If you are implying the first option, then [...]

Does It Make Sense To Buy Term and Whole Life Insurance2018-03-30T01:53:36-04:00

Ten Medical Expenses You Didn’t Know Were Tax Deductible


Written by:  KATHLEEN O’GRADY:   Contributed to The Globe and Mail, March 17, 2016 We Canadians like to take pride in our publicly funded health-care system, but the truth is many of us pay out of pocket for a wide range of essential health services. This is especially true for those with, or caring for, someone with disabilities or chronic [...]

Ten Medical Expenses You Didn’t Know Were Tax Deductible2018-03-26T16:37:09-04:00

What is Behavioural Cash Flow Planning?


Change is hard because it goes again our nature tendencies.  It requires discipline and a shift in our thinking. It often requires us to move out of our comfortable zone ….and most people will find themselves hitting a wall. Over the last year, we had to go through a change.  We recently introduced Behavioural Cash Flow Planning into our processes.  [...]

What is Behavioural Cash Flow Planning?2018-03-30T01:56:12-04:00

Making Your Millions With TFSA


Contributor:  Equitable Life of Canada How many times have you thought about what you would do with a million dollars? With a long-term focus and some discipline, you could build a $1 million nest egg by the time you retire. The key to making your million is to invest early, make the maximum contribution to your [...]

Making Your Millions With TFSA2018-03-26T16:30:45-04:00

8 Apps That will Help Your Family Save Big


Staying on top of your family’s finances can sometimes be daunting when you have a very busy lifestyle.  Here are a few tips from Paul Sisolak on  apps that can help you build your budget and help your family save money in unexpected places. Please follow the link… Source: 8 apps that will help your family save big About Paul Sisolak: As [...]

8 Apps That will Help Your Family Save Big2018-03-31T14:23:54-04:00

How Much Do You Need To Save For Retirement?


Article is by Robb Engen | Jul 16, 2017 | Retirement:  Boomer&Echo Financial Freedom at Any Age In your 20’s and 30’s, retirement is so far away that you can barely see it on the horizon. The best way to get there is to save what you can afford – say 10 percent of your income [...]

How Much Do You Need To Save For Retirement?2018-03-31T14:28:02-04:00
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