How do you break a toe??? 

By Cindy Bowden 

It was 6 in the morning and I was just getting out of bed. OK I admit it. I was a little preoccupied with a client case I was working on. Maybe that’s why I didn’t see the dresser that was right in front of me. Bam! I jammed my foot right into it and broke my 4th toe. I woke my son up at the other end of the house yelling ‘ow, ow, ow!’ 

When the pain subsided and I could think half-clearly again, my first thought was, “I hope it doesn’t snow because I certainly don’t have boots that would fit.’ Then I wondered, ‘What am I going to wear to the black tie Christmas event at the Toronto Cricket Club?’ (My husband Steve is on the Board of Directors, so it’s not something we can cancel!) 

These are minor inconveniences, and thankfully, my toe no longer hurts. I have been able to keep working and continue to focus on my clients. But ‘what if it were worse – what if instead of stubbing my toe, something more serious happened and I couldn’t walk… or work?’ 

Accidents can happen so easily, and they are always so unexpected. (That’s why they’re called ‘accidents’!) Over the course of my 30 years of helping my clients handle pretty much everything that has been thrown their way, I know how important it is to have the right coverage. That’s why I wrote my last (serious) letter about how insurance is changing – and why we need to review our policies frequently. 

As is my custom at this time of year, I am sending a little pocket planner for you to use, as many of my clients do, for reminders of events throughout the year. It’s my gift to you as a token of my appreciation for the trust and confidence you have in me as your advisor. 

Perhaps one of the best ways to use it is to put a little reminder in your planner to call me in January. Together we can set up a date for a review, for yourself, or for your children, parents or other relative or friend. 

I wish you a happy – and safe – holiday season. And I really do hope you call me in the New Year, even if all you want to ask me about is how I got through the holidays with a broken toe!!

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