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5 Effective Tips for Getting a Business Loan

Working to secure the money you need for your small business will require time and effort on your part. Of course, it’s likely to be necessary to do all you can to ensure this happens.

The first thing you’ll want to do is determine the type of business you’re working to improve or start. This question can allow you to get the results you need in more of a timely manner. Being aware of other things you need to do to assist in having the cash you need at this time may be helpful.

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Taxis or Ubers? 6 Reasons Why Black Car Services Are Better Than Both

Did you know there is a better, stylish, and more efficient alternative to using a taxi, Lyft, Uber or the many other ride services in the market today?

A black car service is the consummate mode of travel for executives and anyone who loves to travel in style. You can use a black car service for airport transfers and point-to-point transportation. They are dependable, easy to secure and more upscale than Uber, Lyft or the many other options in the market today.

There are many wise reasons you should choose a black car service over any other mode of road travel. Continue Reading

5 Questions and Answers About Bankruptcy Trustees

Simply put, a bankruptcy trustee is a professional who is licensed by the Government of Canada to administer your bankruptcy or consumer proposal. Only a licensed trustee in bankruptcy or licensed insolvency trustee can file a bankruptcy or proposal for you. They are trained specialists and very knowledgeable, not just about bankruptcy, but about debt in general. They will be able to explain to you, in detail, all available debt relief options.

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7 Genetic Research Questions and Answers

Science can be hard to understand at times, especially when you’re trying to understand something microscopic, such as genes and DNA. We all have genes, which makes it an interesting subject to learn about because it’s literally within all of us.

Researchers use genes to understand the human genome better which, ultimately, can help prevent and treat medical conditions and diseases. To date, scientists know a lot about genes, although, there is still much to be understood and discovered.

Whether you’re thinking of contacting CRI Genetics for a DNA test, or just want to learn more about genes and the related research, below is seven questions and answers about genetics. Continue Reading

6 White Wines Beginners Will Love

I recently came across a couple of fun wine quotes that I think you will love. Here goes:

“Wine improves with age. The older I get, the better I like it.” This quote was coined by a nameless somebody. Let’s call him, or her, anonymous.

The other quote, which I found in a rather obscure, witty publication called The Commonsense Book of Wine is even more crypt. It is by a gentleman called Leon Adams who once said that “anyone who tries to make you believe that he knows all about wines is obviously a fake.”

Leon is perhaps right about most wine ‘connoisseurs’, especially beginners, who claim they know everything about wine. The quote about wine improving with age is actually a twisted version of the authentic one that refers to the age of the wine, not the person drinking it.

As a newbie white wine ‘connoisseur’, you need to know the various white wines in the market and how to differentiate them. Here’s an attempt at helping you in this white wine quest.

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6 Best Methods to Lower Your Mortgage Rates

Buying a home is probably one of the biggest investments you will ever make, no matter what part of the world you live in. That is why it’s so important to keep your mortgage rates and manageable levels and under control.

It’s important to note that a mortgage isn’t something to be gotten into lightly, and the mortgage rate you end up with should be something you can handle. Read on below for a list of tips to help get the lower mortgage rate you deserve.

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6 Best Travel Advice for a Vietnam Tourist

Before you go on any adventure you need to do your research. This is to keep you safe and also to make sure that you don’t miss out on anything that you could be doing on your trip. There is nothing worse than coming home from halfway around the world to then find out about some wonderful temple or experience that you were staying just around the corner from while you were travelling. If you’re planning a trip to Vietnam, you need to be as prepared as possible, to help you with that, we’ve got a great list of tips and tricks to help you out. Continue Reading

Choosing between RESPs and TFSA for Education Savings

Canadian families have various choices when it comes to saving money for future use. Two of these are Registered Education Savings Plans (heritage education funds RESPs) and Tax-Free savings Accounts (TFSA).
When deciding where to use the money, parents invariably choose education for their children. Between RESPs and TFSA, which one can better satisfy this purpose?

Tax-Free Contribution Growth
The contributions to both RESPs and TFSAs grow tax-free since both of them use after-tax income. However, withdrawals are treated differently.
• You don’t generally have to pay any taxes on TFSA withdrawals.
• On the other hand, RESP withdrawals have student-rate taxes.
The second is often easy to manage since most students are in lower tax brackets as they are pursuing post-secondary education.

RESPs are better with government grants.
There’s an added opportunity to boost your savings with grants in the case of RESPs, which may be eligible for grants such as Canada Learning Bonds (CLBs) and Canada Education Savings Grants (CESG).

Canada Learning Bonds
These are grants given by the Canadian government on top of your contributions to the heritage RESP account . You can get as much as $2,000 without affecting other grants or funds. As long as your child is eligible for the grant, you can request for a CLB.

Canada Education Savings Grants
Just like CLBs, these are grants given by the government. Here are the key points to CESGs:
• The government can give you up to $500 (per child, you have a family RESP account), which you can invest for compounding growth.
• A CESG is an automatic 20% match of your RESP contribution.
• You can receive $500 per year, or $7,200 lifetime.

Important Reminder:
Bear in mind that if your child decides he or she doesn’t want to pursue a post-secondary education and you decide to break the account, you have to surrender the grants to the government.

This is where TFSAs take the win.
Since the funds accumulated in TFSAs are not dedicated to educational expense, meaning you can use them for any type of savings, the money can still be given to the child, who can spend it for something aside from education.

TFSAs may trigger overspending.
TFSAs are simple and easy to set up, unlike RESPs. They’re also more flexible when it comes to taxation. Banks, online trading platforms, financial institutions, and credit unions almost always offer TFSAs as well.
But this simplicity can be a disadvantage too. Because they’re easy to access, a person may be tempted to spend it on things other than education and other important matter. RESP funds are generally dedicated to educational expenses.

Investing in both RESPs and TFSAs
There isn’t an annual contribution limit for an heritage RESP. However, there is a current lifetime contribution ($50,000 max per child). Given the current rate of expenses, this amount may not tide your child over until he graduates.

If it all comes down to cases, the biggest factor you’ll have to consider is your family’s financial situation and goals. If you think you have enough money to save with both RESPs and TFSAs, go for it.

5 Common Mistakes Made With Business Implementation

If your company is bogged down by repetitive, time-consuming and laborious tasks, you need to implement business process management (BPM). When properly implemented, BPM helps in simplifying and minimizing repetitive tasks, clarifies tasks and responsibilities, and defines performance metrics.

The objective of implementing a business process management is to improve operational efficiency, which is aided with the help and expertise of an implementation consultant.

Improved efficiency, in turn, leads to an increase in productivity and profitability. When tasks are simplified and clarified, those responsible for performing them are able to work with clarity and precision since they know exactly what they are supposed to do. They also understand fully how their productivity or performance is measured since there are clear performance metrics.

A number of common process management mistakes occur during implementation. Below are five that I consider quite grievous.

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