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Lest We Forget – Five Ways to Remember The Fallen This Year

Across Canada we mark this day differently. In some provinces, it’s a holiday and children get the day off school to attend Remembrance Day ceremonies in their communities. In other provinces, kids go to class and listen to bagpipes play and hear the stories of veterans at school assemblies while parents take a moment of silence with their colleagues at work.

No matter where you find yourself on November 11th, if you want to honour the legacies of those who gave everything for our freedom – here are 5 things you can do:

Wear a Poppy

Volunteers with the Royal Canadian Legion will appear in your community to give out poppies in exchange for donations starting the last Friday in October. The donations garnered from poppy sales support veterans and their families within that local community. Just be sure that you follow poppy protocol. The Legion recommends that you keep the pin it comes with rather than using a safety pin, that you wear it on your left lapel, and that you buy a new poppy every year to support our veterans.

Attend Your Community’s Remembrance Day Event

Most communities have events to commemorate Remembrance Day. These often take place at local memorial parks, community halls, workplaces, and schools. You can contact your local legion to find one in your community to attend.

Talk to Someone Who Fought

One of the best ways to commemorate the sacrifices of Canadian soldiers is to get a better understanding of the war experiences from someone you love. Talk to a friend, parent, uncle, aunt, or grandparent who fought or supported the war effort. It might be difficult for them to talk about their experiences so be patient. Those who have not fought in a war cannot begin to understand what it is like to do so.

Watch the National Ceremony

There are few things more moving than watching the National Remembrance Day Ceremony in Ottawa. If you’re in Ottawa, viewing the ceremony in person is an emotional experience, but watching it on TV is also very meaningful. The ceremony starts at 10:20 am EST and features a moment of silence at 11:00 EST. It is shown on all major channels including CTV, CBC, Global, and City TV.

Read a Book

If you’re interested in learning more about how Canadians served and died in World War I and II, you might want to read novels like The Wars by Timothy Findley, Three Day Road by Joseph Boyden, and The Stone Carvers By Jane Urquhart. Do you prefer non-fiction? Then check out At the Sharp End and Shock Troops by Tim Cook, both of which chronicle the stories of Canadians fighting in the First World War.

See a Play

*postponed until Fall 2021 due to COVID-19*

Jake’s Gift is a multi-award winning Canadian play about a World War II veteran’s reluctant return to Normandy, France, for the 60th Anniversary of the D-Day landings. Since 2007, Jake’s Gift has played at festivals, schools & theatres in over 220 communities across Canada, and internationally. Jakes Gift is an engaging, mesmerizing and authentic play, that will have you laughing, crying and completely captivated. This one-woman award-winning play is deserving of every standing ovation it gets. To see if Jakes Gift will be visiting your community, visit www.jakesgift.com.

Why We Wear Poppies

Since after World War I, the poppy has been a symbol of remembrance for those who have served and given their lives in war. The poppy symbol comes from the poem, In Flanders Fields written by Canadian military doctor and artillery commander Major John McCrae.

“In Flanders fields the poppies blow. Between the crosses, row on row…”

McCrae wrote the poem the evening after having to provide burial service for a fellow Canadian serviceman.

Read the full text of In Flanders Fields.

Helen Reaume writes about retirement planning and investing. Her work has appeared on sites like Forbes, Yahoo! Finance, Time, and FoxBusiness.

This article first appeared on the RBC Royal Bank Discover & Learn hub on November 3, 2020.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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You may have thought at one point, “if I have kids I’ll consider insurance but if I don’t end up having kids then there’s probably no need”, and you may be right. People often think of insurance as providing money, a financial benefit for those you leave behind in the event of your death and that is true about life insurance – but there is insurance available that can also help protect your income and your finances while you’re alive.

Two examples of insurance that can help you money-wise while you’re alive are critical illness insurance and disability insurance. These types of insurance are called living benefits insurance, because they provide a financial benefit while you are alive.

Here’s how living benefits insurance might work.

A Living Benefit for Sonja: Disability Insurance

Sonja and Martin are married and live in Montreal. They both work full-time, each earning about $60,000 before taxes. Sonja works as the administrator at a local chiropractic clinic, and Martin is a high-school teacher.

Sonja’s worried that if something were to happen to her, like a sickness or a bad injury, she wouldn’t have money coming in to pay bills and help maintain her and Martin’s lifestyle. Sonja and Martin like to travel, and they’ve been saving up as they plan to take a “sabbatical year” from their jobs within the next seven to ten years. Sonja decided to buy individual disability insurance to help protect her income and her and Martin’s future plans.

One day, while rushing out the door, Sonja tripped and fell, injuring her spinal cord and breaking her ankle. Her physicians are confident that she will make a full recovery from her injuries, but they expect it may take up to six months before she will be ready to return to work.

After her doctor fills out the required paperwork, Sonja applies for the benefit from her disability insurance, and her application is approved. Then, after a 30-day waiting period, Sonja’s disability insurance starts to pay her a monthly benefit. Her policy pays 85 per cent of the after-tax income she was earning before her accident. With her monthly benefit, she and Martin are able to maintain a reasonable amount of their budget – including setting aside funds for their planned sabbatical. Having the disability insurance in place means that Sonja doesn’t have to worry about her finances, and instead can focus on her recovery.

A Living Benefit for Arturo: Critical Illness Insurance

Arturo is single and lives in Vancouver. He purchased a critical illness policy a few years ago, after a couple of people close to him were diagnosed with life threatening illnesses and he saw how much a critical illness diagnosis affected their finances. Arturo wanted to make sure he could pay his bills and maintain his standard of living if he were to experience a critical illness that could impact his day to day life.

Recently, Arturo was diagnosed with lymphoma, a type of cancer that starts in the white blood cells. Arturo makes a claim on his critical illness policy. It pays a tax-free lump sum of $150,000 that Arturo can use any way he wants. With the lump sum, Arturo is able to pay for housekeeping and meal preparation services he needs while he is receiving treatment. He also uses a portion of the lump-sum benefit to pay down his mortgage so his day-to-day living expenses are decreased. Later on, if he is not able to return to work at full capacity, he has also reduced his mortgage balance, so he doesn’t need to earn as much income.

The benefit from his critical illness insurance has allowed Arturo to strengthen his finances, and maintain his quality of life, while he is experiencing the impact of the diagnosis and treatment of a critical illness.

How Insurance Can Reduce the Financial Impact of the Unexpected

These two examples show the important role that living benefits can play in providing financial security.

If you don’t have children, you may not want a large life insurance policy to provide a benefit in the event of your death, but you may still want a small policy to cover any final expenses, such as the cost of a funeral.

It’s also important to recognize the impact that illness or disability can have on your financial plans while you’re alive. For example, the Canadian Cancer Society says that on average, 617 Canadians are diagnosed with cancer every day – and that cancer can occur at any age. An estimated 1.6 million Canadians have heart disease or are living with the effects of a stroke, according to the Public Health Agency of Canada. And in 2017, 22 percent of the Canadian population aged 15 years and over – or about 6.2 million people – had one or more disabilities.

Living benefits insurance, whether critical illness or disability insurance, can help make sure you are still able to carry out the plans you’ve made for yourself and your life.

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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For some, owning art is a way to enhance their lives and make their homes distinctive, but for others, the desire to own art grows into long-term endeavour, needing a team of professionals to help identify, acquire and preserve new works. As you continue to buy art, at some point you might ask yourself, am I an art collector?

At Art Toronto 2018, an international contemporary and modern art fair, attendees gathered to view and admire the work of Canadian artists. Corrie Jackson, RBC Senior Art Curator, hosted a special Q&A session to discuss building an art collection.

man looking at painting

Building a Collection

For Jackson, there is a clear distinction between people who “live with art” (consumers) and those who collect art (collectors). Both types of buyers are drawn to artworks they like and want to own; however, an art collector frequently is motivated by additional factors such as wanting to build an exhibit or collect around a theme.

“The true collector has no ‘off button.’ Collecting means you’re always in a state of development and reflection — looking for opportunities to bring new perspectives into your life,” she says.

The drive to continue to acquire new pieces you’re interested in can define the collector. When a collector is passionate about expanding their holdings, at that point, collecting has likely become more than a hobby, and they may even be willing to “stretch financially” to acquire a coveted piece.

Past, Present and Future: What Motivates an Art Collector?

Jackson suggests that the desire to buy artwork that appeals to them is rarely the sole motivating factor for the collector. Instead, people who collect art are often spurred by an interest in the past, present, or the future.

  • A collector who is interested in the past may collect out of nostalgia for pieces related to their personal past.
  • A collection that’s focused on the present might be intended to stimulate conversations about current interests and preoccupations.
  • Finally, the collection that points towards the future is activating conversations about where things, people and places are going from now forward.

An art collection may also have an unconscious theme that can only emerge gradually, Jackson says. When the pieces of a growing collection are brought together in one place, the collector may be surprised by an “ah-ha moment” as a unifying idea is suddenly brought into focus.

woman looking painting

Maintaining and Preserving Your Collection

As an art collection grows it may require ongoing management; this provides an opportunity for a fresh look at all of the pieces acquired. Reviewing and adjusting your collection allows you to reassess the interests you are pursuing.

Managing your collection can also mean ensuring its prudent maintenance. Whether displayed or in storage, professional advice can help ensure the long-term health of a collection. Galleries can help with advice to ensure your collection is appraised so that it can be insured to the appropriate value. As your collection may not be covered under standard insurance policies, you may also want to explore options for additional coverage.

Don’t miss Art Toronto 2020 which will feature a strong online presence that will take place October 28 to November 8 that will include virtual exhibitions.

At RBC Private Insurance, our specialists will work with you to customize coverage to meet your unique needs. For more information, please call our exclusive VIP team at 1-800-769-2517.

 

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We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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You might be surprised to learn that there are other reasons, apart from insuring the things you own, to consider when purchasing tenant insurance. For instance, your landlord may require you to have insurance as a condition of your lease. The most significant reason, however, is that as a tenant, you may be legally liable for any damage that you cause to the place you rent, to the building as a whole (if you’re in a condo or apartment), or any harm you cause to anyone. Tenant insurance can provide financial protection in the event that you are found liable for damage or if someone accidentally gets hurt because of something you did unintentionally.

Tenant insurance can also go by a couple of different names – like contents insurance, or renter’s insurance. No matter what it’s called, however, it’s insurance for people who rent, not own, the place where they live.

Here’s a breakdown of how to think about tenant insurance, and its place in your personal financial plan.

What’s included in tenant insurance?

The three components of a tenant insurance plan include contents insurance, additional living expense insurance, and liability insurance. Let’s look at these one by one.

1. Contents insurance covers the cost to repair or replace the things you own, if they become lost, stolen, or damaged.

Let’s say there is a flood in the apartment or condo unit above you, or a neighbour’s forgotten candle causes a fire and some of your personal items are damaged by the resulting smoke. Contents insurance will allow you to repair or replace those items.

Even if you don’t think your belongings are worth much, if you had to suddenly replace some or all of them, the costs add up! Here’s a challenge, do a quick survey of your place and jot down how much you think it would cost to buy back each and everything you own from clothes, your laptop and furniture, to your cell phone, camera and more. The list can go on.

You can choose from two different types of contents insurance.

  • The first type covers almost every risk you might face, and it’s called all risks insurance, or comprehensive. “All risks” coverage protects you from anything that might damage your property, except any specific risks that are excluded from your policy. Those exclusions are written down in your policy, so if you don’t see them, ask an advisor to point them out – or if you’re in the process of buying insurance, ask an advisor to tell you about them up front. Also check for any special limits that might be involved. For example, an all-risks policy may not provide coverage for damage caused by normal wear and tear (like the keys starting to fall off the laptop you’ve had for years).
  • The other kind of contents insurance only protects you from risks that are specifically listed in your insurance policy, and it’s called named perils insurance. For example, if your policy doesn’t say you’re covered for damage resulting from theft, you aren’t covered.
  • Not surprisingly, all-risks coverage is more expensive than named-perils coverage, because it’s more comprehensive.

You also have two options for covering the cost of your belongings: actual cash value, or replacement cost.

  • Actual cash value will pay you for the current value of your belongings (similar to a car depreciating), while replacement cost will cover the cost to replace the item with a new one – that is, it gives you money to go buy that item for how much it currently costs in stores.
  • Because your possessions typically lose value over time, as they wear out and age (remember your trusty laptop), cash-value insurance usually pays out less than replacement-value coverage for the same item.

2. Additional living expense coverage covers your extra expenses, as a result of a covered claim, if your rented accommodation becomes unlivable and you need somewhere else to stay temporarily.

This coverage can include hotel or other rental accommodation, moving expenses, and meals while you’re away from your home – up to the maximum limits listed in your policy.

3. Liability coverage covers the costs that you’d have to pay someone who sues you for any damage or bodily injury you cause to their property or themselves unintentionally.

For example, someone might trip over your laptop cord as you are charging it in Starbucks, breaking their wrist as they fall; your unattended bathtub might overflow while you are watching that last YouTube video, causing water damage to an apartment below you – or your dog might bite an overly curious “pup petter.”

If you cause harm or damage to another person or their property, your tenant insurance policy will cover your costs, including defense costs, if they successfully sue you.

A standard policy usually includes coverage of up to $1 million, although you can opt to increase this amount.

How much will tenant insurance cost?

The cost of a tenant insurance policy will depend on many different variables, such as where you’re living and the type of accommodation you’re renting – house, condo, or apartment. It will also depend on:

  • the insurance company you’re working with, as different companies may charge different amounts for the same coverage,
  • your years of home insurance experience and any history of home insurance claims you’ve made in the past; and
  • the value of the possessions you’re insuring. For example, you might feel your stuff should be insured for $10,000 while someone else might need $75,000 worth of coverage or more.

If you’re a renter, tenant insurance can be an effective way to help protect the stuff you own and any mishaps that could happen. Start building your insurance experience with tenant insurance and make it a part of your growing financial plan.

Great Rates and Expert Advice on Home Insurance

Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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If your employment situation changes suddenly, there are some important insurance implications that can help keep you and your family protected. Here’s how to make sure your coverage still has you covered.

Know Your Benefits

It’s always a good idea to know the details of your benefits plan, and it’s certainly something worth reviewing if you’ve lost your job. Group benefits provide certain types of coverage, such as health and dental and short-term disability, but every plan is different.

Depending on how your employment status has changed (e.g. if you’ve been placed on leave or packaged out), you may or may not retain some of your benefits. It’s crucial to understand what coverage you may lose, so that you can make efforts to close gaps that could leave your family vulnerable.

If You’ve Already Lost Your Job

Government programs can help you make up for lost income, but they won’t provide the same insurance coverage you’re used to.

Find out more about employment insurance and government programs.

Getting Covered

Once you have a sense of how your income and insurance coverage will be changing, an RBC Insurance Advisor can help you find solutions to keep your family protected. You can start by booking a check-in.

A change in employment status or the loss of a job is always difficult. With that said, it doesn’t have to leave you or your family vulnerable, as long as you take steps to understand your level of insurance protection.

Book a check-in to speak with an advisor today and we can help you get the coverage you need.

Every group benefits plan is different, but most cover a few main areas. The four listed here are the most common, and you should familiarize yourself with how your plan manages them.

  • Health And Dental
  • Disability Coverage
  • Life Insurance & Critical Illness
  • Wellness Coverage

Remember, every group benefits plan is different. When in doubt, speak to your organization’s HR department for details related to your specific plan.

Understanding your insurance coverage is the best way to make sure that a change in employment doesn’t leave your family unprotected.

An RBC Insurance advisor can help you understand the big picture of your coverage. Book a check-in today, and we’ll help you get it.

RBC Insurance

We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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Here are four tips to help you prepare for an emergency.

Make A Plan

It’s vital that your family has a plan in case of an emergency, and just as important that everyone knows what it is. Here are some common elements of a good emergency plan:

  • Fire exits and meeting places
    Ensure that everyone knows how to get out and where to go in an emergency.
  • An emergency kit
    At the bare minimum, an emergency kit should have first aid supplies, some purified water and non-perishable food. Learn how to build your kit.
  • Medications and health information
    Keep a list of medications, relevant health information and local pharmacies handy. If possible, consider allocating a supply of medication to your emergency kit.
  • Contact information
    Have a list of emergency contacts handy with information of family members, your family doctor and your insurance company.

Get Your Insurance Coverage In Order

Depending on your employment situation, you might already have some coverage through work, but without additional insurance, you’ll most likely have gaps. As your life changes, whether that’s because you have kids or buy a car, your insurance needs will change, too.

The best way to make sure you’re protected is by meeting with an insurance advisor. They can discuss your needs with you and help fill any gaps. By meeting with an insurance advisor regularly, you can be sure you have the protection you need.

Book a check-in with an RBC Insurance advisor.

It’s also worth considering having your financial and estate plan regularly updated. Insurance is crucial to keep your family protected if the worst happens. A comprehensive financial and estate plan, including a will, can make sure that your wishes are respected,
and your family is cared for.

Keep Your Documents Safe

In the event of an emergency, you’ll want to know your most important documents are safe and easily retrievable. Here are some documents you may want to have in order:

  • Passports, Birth Certificates, Marriage Certificates, Wills, Property Deeds/Ownership Forms
  • Financial Accounts Info, Tax Returns (last 6 years), SIN Cards
  • Insurance Policies
  • Medical Records
  • Irreplaceable Personal Documents

Learn more about storing your important documents.

Stay Informed

You’ll want to keep yourself up to date on what’s happening in your community. Consider including a mobile battery pack or crank-operated radio in your emergency kit, as well as a charging cord for your mobile device. That way you won’t be disconnected if you lose power.

Ensure that the social media and news you consult is from a trusted source. Not everything you read on the internet is reliable, and emergency situations can be made worse by misinformation and hysteria.

That said, there are more than enough trustworthy news sources that can be accessed online, over the radio or by phone. You could even consider listing these sources on your emergency contact list to remind yourself. A little bit of preparation can go a long way to help make sure that you and your family are well prepared, no matter what happens.

 

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*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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1. Ask Your HR Manager About Your Group Benefits

If you have specific questions about your employer’s benefits package, your HR manager is a great resource. You can ask them to send you an overview, so you know what benefits you and your family are entitled to. You can also ask about whether the coverage extends to your spouse and/or dependents.

2. Book an Appointment With An Insurance Advisor

If you have an existing relationship with an insurance advisor, taking this step today is the best way to ensure your coverage is on track. While the appointment itself will take somewhere between 20 minutes to an hour, in the end you can save yourself time, not to mention money and heartache, if your coverage is properly set up.

If you don’t have an advisor, book a check-in. You’ll be matched with an advisor according to your needs, and your first appointment will only be about 10-20 minutes to get to know each other.

3. Make A List of Anything That’s Changed Since Your Last Check-in

Have you had kids? Did you buy a house? A car? Did you get married? Divorced?

Whenever your life situation changes, it’s a good idea to do an insurance check-in to make sure your family and your assets are protected. You can then use this list to discuss any updates you might need to make to your coverage with an advisor.

Making sure you’re covered doesn’t have to take all day. By taking one of these three quick steps, you’ll be ahead of the game in no time.

If you’re ever in doubt, it’s always a good idea to check in with an insurance advisor.

Book a check-in and we can help you get the coverage you need.

RBC Insurance

We make it easy to find expert advice, money-saving tips, and a range of insurance options for every moment of life.

*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.

This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.

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