The labor laws in Canada are based on the principles of contract law, which is also observed in many other countries. These are policies that cover all types of agreements about the exchange of services, goods, properties and money. They also encompass legal requirements and issues, such as unfair dismissal, payment of damages and reasonable notice of termination. Working in a similar fashion to the United States, Canada’s laws maintain separate regulations for workers who are part of a union and those that aren’t.
April 15, 2013
Environmental concerns are growing in importance. This is because they often involve elements that affect the health, well-being and economy of the local population. In most cases, the private sector lends a hand to help out the government by monitoring threats to the environment and helping out in advocacy programs and rehabilitation efforts. More government legislation is also being created in order to force companies to take a more pro-active and responsible attitude to the way that they deal with wast.
March 8, 2014
Running a business can be especially tough in these times. This is because the world economy is still struggling. Millions of people both poor and rich are having financial problems because of the recession. Due to the economy being in a bad state, so many people from all over the world have lost their jobs and unfortunately, many of them have not bounced back. The good news is that one can actually do some things to deal with the poor state of the economy, and one of these things happens to be being up-to-date with the latest advancements in one’s field. In this article, I am going to discuss how some Toronto plumbers are making themselves very marketable by adapting the use of the latest technologies in their work. Hopefully, by doing so, I’m able to successfully illustrate my point: that in today’s world, adaptation is the biggest key to success.
Most people don’t realize this, but when one thinks about it, even the older industries in the world are affected by changes in technology. Farmers now use high-tech gadgets to make sure that their work is efficient. Doctors discover new drugs which make the deadly diseases of yesterday much less of a threat today. As for plumbers, they learn how to use the latest tools for fixing drains, pipes, etc. Just like with any other profession, plumbers need to be able to adapt the use of the latest technologies if they want to stay competitive. Many Toronto plumbers are successful at doing this.
Toronto plumbers now use mobile technologies to find the tiniest leaks in the most efficient and fastest way possible, for one. In addition to this, when it comes to waterproofing, Toronto plumbers now use sump pumps which really do an efficient job at collecting water. Toronto homeowners are very picky when it comes to hiring plumbers now; unless a plumber is up-to-date with the latest advancements in their field, they will surely lose out to their competitors.
“I only hire plumbers who have received training in the use of the latest plumbing technologies. Thanks to the fact that it is now very easy to look up such information, I don’t really see the point in settling for anything less. Just a single query on a search engine can point me out to the best plumbers in the area,” Joe Landis, a business owner from Toronto, told us via e-mail.
Hopefully, by talking about how Toronto plumbers are adapting to changes in their field, you will gain great insights as to how you can adapt your business to today’s world. By being able to successfully do this, you will surely be able to weather most of the things the poor economy throws in your way. Just because the economy is in a poor state doesn’t mean you can’ do anything about it. By exerting just the right amount of effort in the right endeavour, you can surely improve your financial state. By adapting to change, you can survive in today’s economy.
February 27, 2014
Superannuation, or super as the Australians call it, is a pension scheme available to all working Australians. It has been hailed by supporters as one of the best compulsory retirement pension schemes in the world. Critics have been less kind by focusing on the perceived problems with the system. However, the scheme has been shown to work at the basic level and government legislation is continually developing to ensure the system is a success. There is a lot we can learn from the system, good and bad, and governments all over the world should be looking at the Australian example when developing their legislation.
Superannuation is compulsory and all employers pay a set percentage for every employer on top of their regular income. This is sent directly to a super fund or self managed fund, which can be invested in a number of ways. It cannot be withdrawn until preservation age (currently 65). This means that all working Australians are saving for their retirement – whether they want to or not!
There are significant tax advantages on offer for those that contribute to their super fund, which offers people an added incentive to save for retirement. The government will even match contributions of lower income earners. These tax advantages are a real benefit to working Australians and are designed to take pressure off the government pension system. Some financial experts predict that those taking advantages of these rules could save an additional $80,000 for retirement.
There is a wide variety of investment choices for those with a super fund and Australians also have the option of managing their own superannuation. Most super funds offer a number of investment options for members, from fully managed options to tailor-made packages. A self managed super fund — see smsfreviews.com for more info — offers complete control over this money, including the option of purchasing investment property and even commercial property for a business.
This scheme does not cover the long term unemployed, which means that there will still be a percentage of those without (or with very little) sufficient funds for retirement. These people will require a government pension once they reach the age of retirement. The scheme is also optional for those that are self employed, which means that there are potentially many small business owners who will not be adequately prepared for retirement. Another drawback of the system is that it may discourage further retirement investment.
There has been a significant problem with lost super funds in Australia. A super fund is considered to be lost when a fund is no longer in contact with the member. This often occurs when people change address or jobs. It is estimated that there are almost $20 billion in lost accounts and that as many as 1 in 2 Australians may have lost super!
Most superannuation is invested in the financial markets, which makes it susceptible to fluctuations in the financial markets. Although Australians do have a choice to invest in cash or other safer investments, most choose to leave their super fund in the default investment. This means that many Australians had thousands wiped off their retirement savings in the global financial crisis.
The governments of the world can learn a lot from the superannuation system in Australia. If we take the good and work of ways to improve the bad then we can create a world class retirement savings plan.
February 24, 2014
Running a business is no easy task. Even when it’s just a one-man operation, making a business successful can surely tax an owner. In order to make a business successful, an owner needs to get hands on with regard to every aspect of it. Every person who operates an enterprise needs to know its ins and outs so that they are better able to ensure its success. When a business has significantly grown, however, the individual who owns it needs to consider delegating some sensitive tasks with regard to its day-to-day operations. One of these tasks happens to be bookkeeping and accounting.
Many business owners continue handling the accounting and bookkeeping for their business even when it has grown considerably. Unfortunately, this actually ends up in business owners wasting a lot of money without them realizing it. They think that they’re doing a great job handling their business’s books, but the truth is that they are losing money because of what they are doing. When a business owner finds that accounting and bookkeeping are taking too much of their time, they really should start looking into hiring the services of certified accountants and bookkeepers. By doing so, they will end up being better off in a lot of ways.
By hiring a certified accountant and bookkeeper, Toronto business owners can ensure that their finances are kept in tip-top shape. How exactly can such professionals do this? For one, certified accountants and bookkeepers can help business owners avail of different tax incentives to minimize their expenditures. In addition to this, accountants and bookkeepers can keep businesses from incurring penalties with different financial regulation agencies and can work as financial advisers to business owners when it isn’t tax season.
“I started running my printing business back in 2004. During my first year in the business, I did the accounting and booking for my small company by myself. I can definitely say that I really did well with regard to keeping my books organized during my first year. My business quickly grew, however, and I ended up finding that accounting and bookkeeping were taking too much of my time. Thankfully, a colleague introduced me to an off site accounting services firm that specializes in small businesses. Thanks to them, I got to concentrate on the more important aspects of my business again. Also, with them acting as my financial advisors, I was able to expand my business outside of the Greater Toronto Area,” Miles Washington, a small business owner from Toronto, told us.
Hopefully, small business owners get something from this post of ours. Accounting and bookkeeping are definitely one of the most crucial aspects of any business; because of this, those who operate any enterprise should make sure that these aspects are well-addressed. If you find that you can’t do 100% accurate accounting and bookkeeping anymore because your business has grown, the best thing for you to do is to hire a firm that specializes in such services. By doing so, you can make sure that your business continues to do well.
February 18, 2014
We have largely recovered from the recession. Despite this, however, the economy still isn’t stable enough to make the job market great again. In addition to this, many experts say that it’s still very tough for people to start small businesses in today’s economy. Because of these reasons and more, many people still have a hard time making a living in today’s economy. There is a silver lining to all these things, though, and this is the fact that the economy has recovered to the point where doing online trading is lucrative again. Wherever you are in the world, you can surely greatly profit from online trading.
In today’s world, thousands of people do online trading each day and make great profits from it as a result. Some financial instruments yield better returns despite being safe to deal with, however, and people need to make it a point to deal mostly with these financial instruments. One of the better financial instruments currently traded online is “binary options.” Binary options trading is very simple to do compared to other forms of online trading. To make profits off of binary options trading, people only need to be able to correctly predict the rise and fall of asset values. By consistently doing so, any trader can make thousands of dollars a month. Both beginners and experts are attracted to binary options because they are very easy to deal with, in addition to being very safe, so long as one is able to implement a sound trading strategy.
Before one is able to make great profits off of binary options trading, one needs to sign up for the services of a binary options brokerage first. Unfortunately, many brokerages out there offer bad business deals to their clients. Finding a brokerage one can do good business with can be hard. Luckily, there are a few established names when it comes to binary options trading – by doing business with these brokerages, one can be sure that their investments are always safe. One of these brokerages is Banc de Binary. Now, readers might be asking, is Banc de Binary legit considering that it’s located in Cyprus? Is the brokerage bound to follow international trade laws? Despite being located in Cyprus, Banc de Binary is regulated in the European Union – what this is means is that the brokerage is bound to adhere to all trading laws and regulations. Wherever you are in the world, you can be sure that you are going to get the best binary options trading experience with Banc de Binary.
In addition to being legitimate, Banc de Binary offers its clients the best trading platforms. Through their use, beginners can easily master binary options trading while experts can utilize their amazing features to fully implement their trading strategy. There are many other reasons why Banc de Binary is considered one of the best brokerages in the world. If you are considering doing business with Banc de Binary, I suggest you use their demo account first. Through the use of their demo account, you can find out whether Banc de Binary is the right binary options brokerage for you.
February 14, 2014
The Dalai Lama was once quoted as he was referring to how mankind has truly astonished him more than any other creature. One of the reasons he said this was because it amazed him how we as people would spend our youth sacrificing our health in order to make money. In turn, when we get older we begin to sacrifice our riches we worked so hard for just to get the health back that we sacrificed in the beginning. It seems to be a vicious cycle and astonishingly enough, very true.
For those individuals who are still fortunate enough these days to be operating their own business, they must have some idea what it means to sacrifice significant amounts of time for their livelihood. But is there a way to stay physically fit while being in this hectic position before you turn old and gray? This is exactly what the insight we will examine. The following are some hints and tips about how to maintain your fitness and health levels while still managing your own small business at the same time.
Remember how your mother told you that breakfast is the most important meal of the day? Well, you really should heed that advice even though it may have sounded lame at the time. After waking up, your body really does need the fuel to give the system a kick start in the morning. Quite often the problem is a time constraint and so you should really try to arrange your schedule accordingly. When you’re eating your meals at work, don’t just eat at your desk all the time, get up, get out and stretch your muscles and joints a bit. If you can’t afford to eat at restaurants then bring your food with you and eat outside somewhere. You can even pack a meal replacement pack or weight gainer in order to tide you over in between meals. Just make sure you’ve burned a few calories while on the way. It’s good to make your own lunch or dinner anyway because it will save you money and time as well.
Don’t forget the water. Most people don’t realize that their bodies (especially the organs) aren’t getting their daily requirement. On the long term this can seriously have disastrous effects. Always have enough water available and make sure that there is no fluoride added to it as this will only be doing you more harm than good. Don’t believe the lie that fluoride helps anything because it doesn’t. You will start noticing a difference the first day you have a substantially higher water intake.
If you’re like me and you work at home, set aside 30 minutes a day to do some exercises. You may think this is robbing you of time from the job but when you get the blood circulating more it will give you energy and your mind will be a lot clearer for you to focus on your work. It may end up saving you more time not costing you more. Go for a walk, jog or ride a bicycle around the block a few times. If you have other co-workers you might consider getting together with them weekly to arrange a small game meet. Basketball is great for getting the heart pumping. If you feel low on energy before your workout, grab a pre workout supplement and see if it helps boost your energy (see examples of these products here).
When sitting, don’t sit for more than an hour before you get up and move around a bit. No one had to tell me this, I just do it on my own because my back gets sore and my eyes go blurry without it. Set a timer if you can’t keep track of how long you’ve been sitting. Make sure your seating doesn’t hurt you in any way either. Arrange it to be as comfortable as possible.
February 6, 2014
We find that almost all of the businesses around us are getting competitive because of technology. More and more businessmen are trying to think of ways to invest their money on something that is worthwhile and can promise them quick ROI. They think of a kind of business strategy that will help them stay on top of their game and make sure that they get all the profit that they need to keep their business running.
Today, where technology is a necessity in keeping up with everything that is happening in the world, it is a must for both producers and consumers to get into one of the smartest business strategies. What we are talking here about is investing in mobile applications. We can’t deny the fact that these applications are everywhere and in every gadget we use.
If you compare it with other types of investment, let’s say with the bonds market; what’s good with mobile apps is that the money you invest in it may be gained back within a matter of a year or even in a few months, rather than years. Investing in mobile applications starts at around a few hundred dollars, which is a far cry from the average prices in other investment markets. But imagine a million dollars of investment paying for itself within a year and bringing in more money for a few years after that. Indeed, it is a great business. How long will you have to wait to gain back a million dollars from your real estate investments?
If you have been thinking of investing in mobile apps, then you can start by buying one. To make it easier for you, there are sites that will allow you to buy and sell. You can do this on websites where mobile investors just like you are also active. Websites such as Sell The Apps and Apptopia are just two of the players on the mobile app marketplace these days. There are the markets online where all kinds of apps are bought and sold. You can also start small with your own developed app and see where it goes.
There are many developers who are also selling their codes, some are also paid to code or paid to develop your desired application. You can also find codes that you can buy and re-sell, basically just like how you put your money in other forms of investment. You buy properties and you sell them at a higher price. It’s like a chain where everyone will get what they need and will be able to benefit from this all. It’s a great way to meet all kinds of people and businessmen. Aside from being able to gain new applications, you can explore the market and expose your small business to the online world. Reaching out to more people means more possible clients.
Apps found in the online app markets can cost as high as $8,000, but there are others that you can get for a price lower than that. As a matter of fact, you can always try it out by starting with a few hundred dollars so you can test the waters. Nevertheless, these sites will help you with the whole sales process and it will be easy for you to understand even without a business degree on sales. Investing on mobile apps these days is a great idea and this is because the online world is where almost everyone goes. New apps are developed month after month and year after year. If you do a quick search at the app market, it’s almost pretty much like a search engine that you can find what you need.
Since you can buy apps developed by others, why not create your own as well? Building a unique application will surely be a good sell!
February 1, 2014
There are just so many considerations when it comes to setting up and registering businesses. Depending on where one wants to set up their business, these considerations may be too much and dissuade people from setting up their business there. Luckily, there are places in the world where setting up a business is easy. In addition to being friendly to new businesses, these places tend to also make businesses more profitable in the long run than if they had been set up in any other place. One of these places happens to be the Cayman Islands – the reason why I am actually writing this article is to talk about why exactly the Cayman Islands is the best place to set up a business in North America. Hopefully, what I write here will end up proving helpful to many business owners from all over the world.
The Cayman Islands are one of the most beautiful places on Earth. It has many pristine beaches and amazing coral reefs – these things and more make the Cayman Islands a very popular vacation spot for people from all over the world. Despite bearing a natural beauty that leaves many of its visitors in awe, the British overseas territory is still better known as one of the major financial offshore centres in the world. People from all over the world go to the Cayman Islands to conduct business dealings that wouldn’t be as profitable had they been conducted in other territories – one of these dealings happens to be setting up a business.
There are many reasons why setting up a business is more lucrative on the Cayman Islands than in most other places, and one of these reasons happens to be the recent property developments on the islands. Through the help of enterprising individuals such as Kenneth Dart (please visit Dart Realty Cayman Ltd’s website for more information on this), the Cayman Islands have recently been seeing radical positive changes in its real estate. Through these developments, businesses have found it much easier to set up a physical location on the Cayman Islands. The positive effects of the developments aren’t actually just felt by businessmen; even the tourists and locals now find that there are now so many amazing things to do in grand cayman thanks to the many establishments that recently sprung up on the islands (for more information on this, please visit Camana Bay Cayman Shores‘ website) – in the end, tourists, locals, and businesses all end up benefiting from the recent property developments.
In addition to the things mentioned above, another great perk for business owners will enjoy should they decide to set up a business on the Cayman Islands is that they don’t have to pay taxes. Unlike most territories, the government of the Cayman Islands doesn’t impose taxes of any kind on its residents and businesses – this allows many businessmen to save and earn a lot of money in the long run should they decide to set up shop on the Cayman Islands. There are many other benefits to starting a business on the Cayman Islands. If what I wrote here ended up making you consider Cayman Islands as possibly a great place for your next business venture, I suggest you do a further reading on the place and its business sector.
January 21, 2014
Marketing is something many small businesses in Toronto have trouble executing. Unlike with many big businesses, the costs of hiring a professional marketing team are too much for these small business owners. The additional profit generated through their efforts may not justify the amount of money spent on their services. What many small business owners don’t know is that the internet has changed the marketing landscape to the point that they can now market themselves at no cost. The reason why I am writing this post is to help these business owners. Hopefully, what I write here will get these entrepreneurs to start making a social media marketing strategy.
Most people nowadays are on Facebook, Twitter, Pinterest, Google+, and other social networking sites. For this reason, many businesses now use them to market their services. By posting daily on one’s business’ Facebook or Twitter page, one can effectively advertise their products/services and gain more customers. Aside from being an effective advertising platform for small businesses, social networking sites also allow business owners to answer the queries of both current and prospective customers. When real time engagement of customers is executed correctly, businesses are able to retain many customers as well as get new ones.
One of the many small business owners in Toronto who have benefited from no-cost social media marketing is Kelly. Before she even opened her gym in the city, she had already started engaging potential customers on both Facebook and Twitter. Aside from getting word out about her business venture, engaging with her prospective customers on social networking sites helped her improve her gym. “Each day I would post something about the gym and ask prospective customers for suggestions. If hadn’t done this, I would never have found out that many of my current customers are into wall climbing. I initially didn’t think of putting a bouldering wall in my gym – if I hadn’t, I probably wouldn’t have this many customers now,” Kelly told this magazine.
Aside from using social networking sites to engage her customers, Kelly now also uses them to market many of the products she sells at her gym. Like many other gyms, a significant portion of her earnings come from the products she sells. One of the products Kelly sells at her gym is Plexus Slim. Anyone who reads her plexus slim reviews knows that she has nothing but good to say about the product – this is because most of her gym’s patrons have all benefited from its use. Aside from speeding up their weight loss, Plexus Slim has also improved their overall health by controlling their blood sugar levels and cholesterol. Reading other reviews on plexus slim, one will find out that others also have nothing negative to say about the product.
By utilizing social media, Kelly is able to effectively market her gym at no cost. For her, engaging customers and advertising products on Facebook and Twitter have proven to be a very effective marketing strategy. Hopefully, many small business owners in the area will learn from Kelly’s example. One does not have to hire a whole team of marketers to gain a foothold in the business anymore thanks to social media.
January 14, 2014
As a busy business person what is your top commodity? We bet you will same your time right? Wrong! The most important thing you have going is your life. Yes, time is short, but it’s even shorter when you are gone. We’ll bet this caught your attention now didn’t it? Good news for you that we have a simple solution but first, let’s look at why life insurance is so important to most of our readers.
If you have a wife, husband, children or others who depend on you life insurance is a no-brainer – it’s a must. Think for a moment how those who depend on you for their finances would survive if they didn’t have your income. Sort of bleak isn’t it? As a busy business professional you are used to making money, creating businesses, and planning for the future. You are a mover and a shaker. Your family and those who depend on you see you as their rock. They know that your time is filled by work but they are so proud of you. However, they also count on the income that you provide and that is why obtaining a sufficient life insurance policy is so critical. It is also the right thing to do for your loved ones.
All this being said how in the world will you find the time to get life insurance? After all, you will need to fill out a ton of forms, provide a long and detailed family history, provide any medical records from your own physician, and worst of all, you will need to get a medical examination. Who among us has time for this? That’s right – none of us! Medical exams take time, energy, and oh yeah, did we mention TIME? The good news here is that there are many companies that will give you life insurance without a medical examination. That’s right – no medical examination required! Now we’re cooking right? Since time is your precious commodity (behind only life itself) getting one of these life insurance policies without all the hassle will be a blessing.
You might also be wondering how much life insurance you really need. There are some really cool calculators that will give you a good idea of how much coverage you should shoot for. The calculator takes things like burial expenses, income, number of children, marital status, etcetera to give you some good guidelines on how much insurance you should carry. We recommend you take the time, less than a minute really, to do some research before you go shopping for your policy.
You already know by being a reader of our website that we are all about saving you that precious commodity called time. However, we are also about protecting your assets which include your family and other loved ones. For these reasons we implore you to get the life insurance you need with the hope that it will never be used. Also, we hope that we have provided some good tips here to save you some time while you are getting insured.
December 30, 2013
Like most industries, financial institutions have benefited from fast and secure file transfer rates and cloud computing. Mobile check deposits are all the rage with smartphone users. Who wants to drive to the bank when you can cash a check by photographing it with your smartphone? This is called remote deposit capture or RDC. With the increasing popularity and usage of this platform, different security concerns have emerged, exposing smartphone check deposits to be a potential risk. The risk is due to the fact that the physical artifact of the check stays in the hands of the casher and it can be cashed again at a different bank. The RDC itself is a secure file transfer.
For example, there is one person who was making security experts in the banking industry have sleepless nights. His name is Boma Robert Spero-Jack from Louisville, KY. He became a threat to banking security when he used mobile remote deposit capture to cash 32 Western Union money orders with a Bank of America account and then turned around and also cashed the money orders physically at Kroger Grocery Store. It is clear that he used the mobile RDC to double the deposits in his account for a gain of over $12,000. That is double dipping and that is the risk that banks are worried about.
RDC Risk Assessment
Many people fear that mobile RDC can easily be used by criminals in perpetrating fraud through double dipping. It is not the RDC technology that is at fault, nor is it fast and secure file transfer. It is the physical artifact of the check or money order that is the risk. It is important for all banks using RDC to perform RDC risk assessments or hire experts to do it for them.
The unique feature about using mobile RDC is that the payment instrument is under the control of the depositor. This is different from conventional depositing methods like tellers, ATMs or through email, whereby the financial institution has physical possession of the depositing instrument (check or money order, for example). This makes it hard for crooks to try to deposit the same check twice. However, this does not eliminate the problem completely given that some crooks still try to deposit photocopied checks multiple times. In recent years, crooks have banked on the fact that they can now do everything remotely, making it easier to perpetrate these fraudulent crimes. There has been such an increase in these cases of fraudulent activity that some describe it as an epidemic.
Many banks have set a maximum spending limit of $3,000 for RDC to prevent fraud. Interestingly, 90 percent of the banks that have deployed mobile RDC have never reported any losses. Larger institutions have been the ones that have recorded huge losses. The new technology of secure file transfer methods is here to stay. Therefore it is critical that banks start to implement RDC risk assessment programs.
According to a senior financial analyst, those trying to game the system through intentionally depositing a check multiple times can misuse mobile RDC. For instance, someone can open multiple bank accounts from different banks and deposit a single check multiple times. In some instances, this happens as an accidental crime where someone deposits a check through a mobile RDC and their spouse later banks the check at the branch office without knowing that it was processed. According to experts, having everyone able to deposit his or her own check means the risks are certainly higher. This has pushed companies to start realizing the essence of check endorsement. According to experts, people shouldn’t overlook the need to use the back of the check for endorsement. In most banks, it is imperative that a check have the name of the person who endorsed it. It is paramount for mobile RDC to detect whether the necessary endorsement is available. However, some vulnerability still exists when you use this approach. For instance, someone could just image multiple copies of the back of the check to allow him or her to send multiple images through mobile RDC.
RDC Risk assessments allow banks to monitor their policies and programs for RDC and determine whether or not they are at risk from this otherwise very secure file transfer method.