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.
November 29, 2013
Fund raising refers to the method of gathering financial support for non-profit purposes that involves identifying solicitations from investors for non-profit enterprises. It consists mostly of asking donations mostly for cause oriented efforts that have no return in financial gain whatsoever. Fund raising is an effective means of obtaining funding by non-profit organizations to maintain their operations in regards to their goals. Such institutions as religions, public broadcasters, political campaigns, philanthropic, charitable institutions, environmental and research organizations substantiate their means of operating under such fundings.
There are several types of fund raising methods used solely for non-profit gains and involve several organizations that utilize these funds partly for their operation as a service providing cause oriented institution, but mostly, for social developmental purposes as well. Even though fund raising is considered a non-profit initiative, they are still given a special category designated by the country’s tax laws and vary in their eligibility in qualifying for deductions and exemptions.
Delegated terms of exemption and tax reductions depend on the purpose of the fund raising program and its implicated financial attribution. Organizations and institutions that donate through fund raising programs also come under tax scrutiny as for the purpose of tax reduction and exemption on the contributors part.
Professional Fund Raisers:
Some non-profit organizations pay for the services of professional fund raisers, though it is in conflicting terms with the Code of Ethics of the Association of Fund raising Professionals (AFP), however, employing people to work for the duration of the fund raising campaign is a whole different aspect and does not violate the specific guidelines of the Association of Fund raising Professionals. Some organizations nonetheless take up the services of professional fund raisers who are eventually paid a percentage of the funds raised.
The funds earned are then reported to the state’s Attorney General or Secretaries of state.
One of the most important institutions that has optimized fund raising in its full potential are the religious organizations. These efforts are organized from the smallest local events up to the global scale. The funds that are accumulated go to the provision of basic needs of the poor and the propagation of evangelical ministries all together.
Fund raising plays a very big and decisive part in any political campaign initiative as well as converging on some very controversial issues as well. Regardless of numerous campaign financial laws and reforms, political financial fundings for some candidates are an issue of moral importance as it implies an attempt in influencing legislation. Counter-advocacy organizations also raise funds in the same manner to work against issues such as these.
Government funded public broadcasters thrive mostly from public donations as most of its fundings come from the federal government. Pledge drives are commonly organized three times a year to substantiate funding. Usually taking up to three weeks, viewer ship and listener ship goes down as special programming is aired in order to augment ratings.
Grants, as the term suggests, are funds that are freely given, without any repayment necessary, that come from certain individuals such as corporations, foundations, government institutions or trusts. Most often from non-profit organizations, business or educational institutions. “Grant Writing” is the most common means of seeking funds from these institutions and are often referred as asking for an application or proposal. The proposal is usually reviewed by the board members of these institution and evaluated for viable feasibility of any vested interests that may or may not be suitable to the institutions cause. Organizations such as the Dart Foundation, headed by Ken Dart, offer assistance to all educational and social endeavors that involve education studies, particularly in the fields of science, technology and environmental advocacies.
Grants are funded for certain projects and require a strict level of financial reporting on the specifics on where the funds will be used. The process includes a submitted proposal to the institution that will give financial funding for a specific project. Individuals and organizations seek out grant providers most of the time to finance individual or cause based oriented projects, but there are instances where grant funding institutions seek out viable projects that have feasible potential that may involve an institutions vested interest.
Grants can sometimes be in the form of social purposes and are considered a tax deductive initiative in the part of the institution that provides funding for social welfare projects. The government considers projects as tax deductive in nature credited to the organization that provides it. This is done through the registration of the grant provider which emphasizes the project as a non-profit organization. A good example would be subsidized projects involving the government with its infrastructure programs such as roads, school buildings and other community based programs.
Most common grants and funding come in the form of financial education support for indigent students and in most cases, are part of a government loan. Most of these grants are given to promising students with exemplary potential that seek government funding for the pursuit of their education. Educational grants seek out students who display a valid potential in satisfying grantor’s expectations and in return, provide the needed support in continuing its support to its beneficiary.
Grant are also given out as support to the development of medical, scientific research, industrial, economical development and support in social development such as the arts. The quality of life as we know it today, owes its continued growth mostly to privately funded endeavors. Most organizations today have extended their social involvement in funding social developmental projects which aim to improve the quality of life around us. Funding is very hard to come by as institutions need a valid proof of concept in the feasibility of any submitted requests regarding funds.
Institutions and organizations that provide financial support are also business entities that need to earn back their money, though not the entirety of it. There are strict guidelines in compliance once the grant has been given to the beneficiary and in return, the beneficiary must in their own way, meet all obligations that is required in order to be given continued support for their endeavors.
November 16, 2013
In these days where economic stability is not a guarantee, several other industries are affected. One such industry is the housing industry. In Toronto, it is clear that real estate prices are going up. Of course, this can be contributed to many different reasons. According to professional Toronto real estate agents, Toronto today is way too different than how it was a few years ago. It might even be said as unrecognizable. The entire skyline is now beginning to look like the Manhattan area. At the same, the housing prices are also going up, as tall as the buildings in the city have become.
As mentioned, there are several reasons contributing to the skyrocketing prices of the real estate arena in Toronto. The following are some of them:
- The Quality of Housing Has Increased
One example explaining the truth of this reason is the famous Museum House, which is considered as one of the many recently built luxury towers in Toronto. This building is 2000 square foot, with two bedrooms per unit and den suite. The finishes are of the highest quality, including the provision of access to elevators, dining and shopping centers. This dwelling is at $2.3 million CAD.
- Competition Continues to Rise in the Market
The competition amongst real estate companies and brokers are so tough. Though this factor is supposed to lower down the real estate prices, the competition seems to gauge potential buyers to spend more in order to get the best quality of property.
The Outlook of Canadian Real Estate
Reality is, there is no solid prediction whether the mortgage rates in Canada will go up or not. Toronto is become more similar to most stabilized cities in the USA. More businesses have set foot in the area, and more people have also decided to transfer to the city for better job opportunities. Even though the price rate appreciation is still expected to be less than the cities in the USA, it is still expected to move northward.
Real estate organizations, such as Zoopraisal have emphasized the point that the rise in the prices of properties in Toronto is slow yet steady. Toroto calculation on home prices is done by average, in contrast to the American’s mediate mode of computing figures. At the same time, Toronto is now focusing on building tall storey buildings which can help save spaces in the metropolitan area.
What Should You Do?
Upon knowing the condition, and the surrounding factors involved, would be it be safe for you to invest on properties in Toronto? The answer is, why not? Keep in mind that purchasing a home is considered an investment. Therefore, the investment you put now, will certainly appreciate as time goes by, given the condition of the Canadian economy and the steady increase in the prices of real estate properties. With good maintenance and proper selection, you can get for yourself a good buy, maintain it, and who knows earn from it in the long run. It is safe to conclude that now is a good time to acquire properties in Toronto.
November 2, 2013
The world has been experiencing the Korean Wave – a trend that has gained such a wide global acceptance for Korean culture and Korean products. This can be felt in how Samsung is kicking the iPhone’s ass, the presence of BB creams in every woman’s makeup bag, the overwhelming viral success of PSY, and the fact that Hyundai and Kia have become just as popular as Honda and Toyota.
The auto industry in South Korea has come a long way since its humble beginnings in 1955, when some enterprising businessmen put together their first car, using parts from U.S. military jeeps and some junk finds. Whereas in the years preceding the 1990’s, Korea has been infamous for cheap, low-quality products, the car manufacturers have steadily upped their standards and allowed global brands such as Hyundai and Kia to emerge, brands that are now considered at par with the Toyota’s and GM’s of this world. Today, South Korea is a force to be reckoned with, ranking 5th among the world’s automobile producers in 2012, producing an excess of 4.5 million units, while ranking even higher – third in the world – in automobile exports, as it exports 41% of its auto production, while only importing a miniscule 1%.
Is there a secret to this country’s success? Apart from, probably just sheer tenacity and an iron will to do better. South Korea did not allow the world’s scoffs and general low opinion of its cars to shake its belief that it will eventually earn its awe and respect.
While the global recession has most companies paring down their research and development spending to the bare minimum, South Korean companies funneled more money into it. South Korea has instilled in its industries the value – the necessity – of spending money to make money, especially when the money is spent on creating great products that people will actually buy. Industries here are willing to shell out big bucks towards R&D.
This resulted in coming up with the best cars for different price points targeted for various market segments. Korean brands, not just in auto, but notably in IT and electronics as well, tend to have a wider range of products, spanning from low-end models to high-end ones, which sell at such competitive prices, and a wider distribution that does not just concentrate on first world countries.
Enticing the strongest auto companies such as DaimlerChrysler, GM, and Renault in the world to partner up and collaborate with homegrown giants. Right now, there are no independent, solely Korean-owned car manufacturers. This capitalizes on the experience and reputation of these foreign companies which could help the younger Korean brands in product development, marketing strategies. This could be crucial to the penetration of Korean car brands in both local and foreign markets.
South Korea has opened up to the world, coming to share the richness of its culture and the quality of its products to an extremely huge audience while at the same time allowing culture and knowledge from the outside to enter and become part of its soul. This openness has certainly worked well and contributed to the global success of more than just its auto industry.
October 24, 2013
There is a lot more to saving for the future than throwing some money in a term deposit or high interest bank account. This is a way to save for the future, but there are far better ways to increase the savings for your child.
We’re going to take a look at some of the high growth investment alternatives for long-term savings so that you can secure the financial future for your children.
Trading currencies is not for the faint of heart, but if you have a good understanding of the Forex markets then this can be a great way to invest for your child’s future. Of course, Forex requires considerable skill and capital to make a profit and there are many risks involved in this type of trading. However, it is one of the best ways to grow an investment quickly and you could consider it for your child’s investment portfolio.
This is a short term trading strategy and is one of the more risky ways of investing your money. However, if you have a good understanding of the market this is the way that you can make an investment grow very quickly. In general, a portfolio for a child as a long-term strategy, but short-term options like binary trading can certainly be included as part of your investment strategy. Banc De Binary is a well-known company to use and you can find out more at the following website; www.bancdebinary.net.au.
Stocks can be both a short-term and long-term investment. A great way to set up your child’s future is to start a share portfolio. Pick many of the best performing, stable companies to create a portfolio that will build wealth over the years, both in terms of dividends and rising stock prices. Try to pick a mixture of stocks such as tech companies, food companies, chemical companies and many others to spread the risk and create a top quality portfolio for your child.
October 23, 2013
As a business owner, you have poured endless hours of sweat and hard work into your business. In fact, in many cases, your business is your sole livelihood. So whenever divorce rears its ugly head, you need to make sure that all of precious time you’ve spent in your business is not lost. You need a proper divorce lawyer.
The sad fact is that over 50% of all marriages end in divorce. So if you’re a business owner and you’re getting married, you need to think about the worst case scenario. You may eventually divorce. And many business owners accidentally put their businesses at risk when they marry and divorce.
In extreme cases, your ex-spouse could end up with up to 50% ownership of your business after a divorce. No one wants their ex as a business partner, so it’s important to take steps beforehand to prevent that scenario from happening.
Here’s how to protect your business in case of a divorce
Understand Separate Property and Marital Property
This will vary within each state, but for the most part, separate property is:
· Property owned before marriage
· Any inheritance given to one of the spouses
· Any gifts given to one of the spouses
· Any pain or suffering portion in the case of a personal injury judgment
Any other property is considered marital property after you have become married. It doesn’t matter who’s name it belongs to. Separate property can also become marital property if you mix them with any joint financial accounts between the two of you. For example, if you receive an inheritance and deposit it into a joint checking account, you risk that it becomes considered marital property instead of separate property.
Marital property also consists of any income or assets acquired by any spouse during the period of the marriage. This includes a lot of things like pension plans, IRAs, 401ks, stocks, commissions, memberships, insurance, etc. Even capital gains can be considered marital property. For example, if you owned a piece of real estate before the marriage, then it appreciated during the marriage, the value of that appreciation could be considered marital property in some states!
Another factor is the state you live in. Some states have written law that marital property should be split 50/50 between spouses. These states are:
· New Mexico
How Do You Protect Your Separate and Marital Property in a Divorce?
Unfortunately, you’re going to need a prenuptial agreement. This is a contract signed by both the future husband and future wife before a marriage. It defines property rights upon divorce. If you write your prenup properly, it will supercede the laws that divide property 50/50. This way, you can own 100% if it’s something your spouse agrees to on the prenup.
You need to make sure your prenup is:
· In writing
· Not done by coercion or force
· All assets fully disclosed
· Witnessed by a notary or other witnesses
Prenups are the best way to decide in advance who owns what in case of a divorce.
So, if you’re a business owner, you definitely need to take steps to protect your business in the case of a divorce. Search for a divorce attorney NJ at http://www.girodivorceattorney.com.
October 22, 2013
It is undeniable that the stock market can raise one’s money from the poor status to millionaire overnight. That is why it has become such a favorite for most traders. And, many newcomers have been joining every day to understand the power of binary options trading as well as what it can do to their bank accounts.
Like strategies on betting the rise and fall of binary options, there are also some fail safe ways in ensuring you can get money through binary options trading. It will be discussed here to help guide you to your wealth island so that you do not have to sing Bruno Mars’ “I Want to be a Billionaire” and just simply live like a boss.
So, do I get rich… And fast?
Well, hold your horses. Getting rich is not a race. In the real world, getting rich includes research, be in the know as of what is the most effective strategies, be the first to understand the process, and lastly, know how to count your money if you profit on the right direction of the market.
Online are a lot of articles telling you to get your check ready because it will be rich, but do not be fooled. Only allow the closest and most trustworthy of confidantes to know about your trading binary options and sharing of techniques and knowledge.
Tell me how to get money… NOW!
All right, all right, you want to know how binary options can mysteriously turn you into a financing god. Here are the moneymaker decisions you have to take to earn a fat pay slip:
- Trade only on the most liquid of securities – For a trader, new or not, be smart and look at the industry or a few companies that have been harboring positive results. This means that if this company is heading into the right direction, you might as well drive with them on that correct road. There is such a security in the results because as far as your observations go, this is a company that often makes diamonds out of stones.
- Trade for the opposition – Do not lose hope if one company or a few traders just placed their hopes on the rise of the market. Trade for the opposition by the end of the day, where prices are commonly expected to go down.
- Think quality over quantity – Binary options trading gains more profit when traders look at the quantity rather than the quality during the trade. This is remembering that no matter the price, you get a fixed or nonprofit depending on the result.
- Hedging – Probably one of the fastest ways to get that money is to hedge one’s contract when the expiry time is almost done, when you see that the deal is coming into your favor.
Moneymaking in all aspects is hard, even when you just guess an asset’s direction. Binary options trading can give you well-solicited money once you put all your wit and strategies in action.
If you are now ready to start trading binary option, go to Banc De Binary’s website and be a Millionaire!!!
October 14, 2013
Ever since 1965, the US has stopped minting US quarters made with actual silver. In 1964 and earlier, quarters of US currency were minted with 90% silver and 10% copper; however, since 1965, quarters are now made with 75% copper and 25% nickel alloy. The change was due because the value of silver in a single quarter had rose beyond the monetary value of the quarter, which is how it remains today in 2013. This means that people could take their silver quarters and exchange them for the silver worth at a higher value than $0.25, which means the US was losing money with every quarter it minted.
Today, there are still silver quarters in circulation, albeit rare. Ever since the US has left the gold standard, the price of precious metals like gold and silver have risen in value against the dollar. Since leaving the gold standard, the price of these precious metals have skyrocketed twice; once was when the US first left the gold standard and the second time was fairly recently in 2008 when the housing bubble crashed. This two instances were causes of the population believe the US dollar would become worth far less due to inflation and the financial security of the US economy. People in mass were flocking to buying gold and silver; however, this increase in value was temporary to a certain extent.
Today, people from all over the United States still collect silver quarters. According to this website about silver quarters here, people are showing more and more interest in these coins over time. There are many reasons for this renewed interest. First, families are beginning to hunt and collect these coins together as a hobby while still increasing their family income. Second, collectors hunt silver quarters aggressively in order to find large quantities at face value to be sold at a higher price in the future. Third, amateur collectors are finding and selling silver quarters to supplement their paychecks.
Silver quarters today can be worth over 500% more than the monetary value of the quarter. The value of a silver quarter is dependent on many different features. First, the most important factor to determine value is in which year the coin was minted. Older coins tend to have a higher value, because they are more rare. Ultimately, it depends on how many silver quarters were minted during that year. Secondly, the place where the coin was minted also plays a big role in value. There are four cities across the US that printed silver quarters each with their own production numbers. The cities who minted less tend to have a higher value. Third, the condition of the quarter is the last important factor in determining value.
Silver quarters can be sold anywhere from $1 to over $165 each depending on the date the coin was minted, the location the coin was minted, and whether the coin is in fare, good, excellent, or uncirculated condition. If you would like more information about silver quarters, please visit Silver Quarters HQ.
September 26, 2013
There is an international trend going on that many people are unaware of these days. We all know that the Chinese are buying up a lot of real estate in North America and due to fears by both sides that buy up has slowed down considerably. Although it hasn’t actually slowed down, it has changed form. You see instead of buying raw land in huge quantities, international buyers are buying up storage facilities like Montreal self storage as an example. In areas like storage Montreal has a lot to offer foreign investors.
First of all they get the land under the storage facility and they get a viable business that turns a profit. Their purchases are not limited to storage facilities but storage facilities are the kind of businesses they are looking to buy because they seem to come with a lot of valuable real estate with it.
This new tact is going largely unnoticed by the general public because it isn’t being announced in the Sunday paper but if you look at the signs you can see the changes happening all around you. If you know where to look you can see the sale of these types of businesses happening all across North America. I am not trying to sound like a conspiracy theorist but it’s a little scary to see foreigners buying up all these businesses with huge real estate chunks as part of the deal.
If you question the local government officials they either aren’t aware themselves or at least act like they aren’t aware. Some of them surely get paid in one way or another for facilitating these deals through family owned law firms or by other means such as campaign donations. Basically it seems that our very own government officials care more about getting paid than doing what’s right for their constituents. I’m not saying that business owners shouldn’t be allowed to sell their businesses or even that they shouldn’t be allowed to sell them to foreigners but it’s apparent that the mass buying of such businesses by one specific country like china is not a good thing for the people of North America.
It would be nice to know the underlying motives for such huge amounts of purchases and it’s only a matter of time before these foreigners are helping to shape laws of the communities where they are prominent business owners so what exactly are their motives and will the government officials that helped them get in to that position take a stand against them when they make unrealistic demands on the community?
Only time will tell but I don’t think the outlook is good for the citizens of those communities. Why else would they have to bribe and do backroom deals to make these purchases happen if their reasons weren’t shady in one way or another and why do they do their best to hide these deals from the public or at least the magnitude of these deals. The public is in the dark here and they should start demanding answers before it’s too late.
September 13, 2013
Housing woes hit you the hardest when you have to give up on a few luxuries just to be able to meet your mortgage fees. Real estate prices outside the city could be a lot cheaper, but you will need a car to get around so it’s more expensive. When rental fees are as high as 40 percent of your income, it is about time to look for affordable housing in your area.
August 31, 2013
When dealing with international clients for high end items or big ticket items you should use a customs broker to facilitate the exchange. You will protect your investment and it is well worth the fees that go along with using a broker. It only takes one time to get burned on an international purchase and you’ll wish you had used a customs broker. Think of a customs broker as someone that is working on your behalf to ensure the money is in fact received and that no deceit takes place when it comes to signing for the delivery of the item. They also act on behalf of the purchaser to ensure the item is in fact delivered and signed off for the receipt of the money paid for the item. In that sense they are like a 3rd party mediator.
There is typically a ups brokerage fee that goes along with the service fee when you hire a customs broker but it is well worth the peace of mind you get by letting them facilitate the transaction. It goes beyond merely insuring your item, its peace of mind that the exchange takes place and that you are legally protected in any dispute so long as you provide what you were contracted to provide.
Using a customs broker goes beyond using something like an escrow to hold the money until delivery has taken place because the escrow gets their confirmation from the buyer and if the buyer has less than good intentions you will have to file a dispute to try and get your money back. A customs agent verifies the delivery and gets legal proof that the item was in fact delivered to the correct contact which would hold up in a court of law in any country in the world. Once that has taken place the customs broker will take their fees from the buyers’ payment and send the rest to you. It works like an escrow and offers the benefit of legal protection from all the scams that can happen in this day and age.
If you haven’t looked in to using a customs broker yet, check out the information that Bay City Brokers has up on their site. You can learn more about how to use a customs broker and what it means for you as a seller or a buyer in international items. The more expensive the item the more using a customs broker makes sense. One thing I should mention is that it doesn’t scale well when selling lower cost items to many different buyers but it is great when selling lots of items to a small number of buyers. There are really a lot of different scenarios that getting a customs broker can make good sense and all you need to do is become educated on them to see if they fit your situation. I didn’t start out using a customs broker and I just assumed the losses I had due to scams were just part of the cost of doing business but now I use customs brokers and their cost is far less than the shrink or attrition due to buyers in other countries scamming a legitimate seller like me.