All Posts By Brett

4 Reasons Why You Should Take Out a Small Business Loan

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Opening a small business can be one of the most rewarding experiences imaginable. However, while seeing your dream come to life might be one of the greatest moments, watching it crumble down around you can be one of the worst. Unfortunately, many small businesses end up failing within the first year after opening. What’s even worse is that most of these failures are ultimately related to financial problems that could have easily been avoided. It could be useful to visit Thinking Capital for more information.

5 Famous Architects and Their Career Achievements

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Architecture is an art that we all would be sorely lost without. It’s a science that helps build the strongest structures ever found, and the most stable of domiciles for those in need of shelter. The architect ensures that the structures they craft with math and logic are safe, secure, and adequate enough to do the job it’s made to do.View post

7 Worst Types of Debt That Will Ruin Your Personal Finances

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Debt is a major problem in Canada today. Everyone is sounding alarm, from the central banks to Bay Street, but is anyone heeding their advice? It doesn’t seem like it, according to the data. Here is what we know about the country’s addiction to debt: Total household debt is $2.2 trillion. Canadians owe $1.78 for every $1 of disposable income. Insolvency rates rose 9.2 percent last year. Borrowing costs are ballooning as interest rates gradually rise. Debt growth is roughly 3.5 percent per year – its peak was 6.3 percent in 2017. These are not good indicators of a strong economy. ...

Top 10 Best Investment Options in Canada

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Are you a Canadian saving for your future retirement? You are not alone. For anyone looking to maximize their financial resources in the future, a series of risk-averse investments where your money is safe is recommended. There are several different investment options in Canada, some of which are pretty standard among Canadians. It’s important to know all your available options, how certain types of investments work in Canada, and common, tried-and-tested ways to protect your savings. Here are the ten best investment options in Canada, as we discuss each option in greater detail:View post

9 Most Desired Employee Benefits and How They Work

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The success of your company depends on the quality of your employees. Attracting and maintaining sought-after employees is an ongoing challenge for most employers. One of the best ways to help differentiate your workplace is to include some of the most desired employee benefits. These benefits should align with the needs and interests of your employees. Studies show that benefits and company perks are a major factor in helping a job-seeker to decide if they will accept a position. In fact, some people consider desirable employee benefits as even more important than a bump in pay.View post

How to Save Money on Homeowners Insurance

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The average Ontario homeowner will pay about $1,300 a year in home insurance. When you factor in your auto, life, and even health insurance, you are spending a few thousand dollars per year. At a time when many homeowners are house-rich and cash-poor and living paycheque to paycheque, these can be expensive outlays to endure every month and year. With property tax rates going up in the city of Toronto, it is going to be harder to afford anything else.View post

Top 4 Tips For Maximizing Business Law

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Business law is an integral part of running any company and it’s always something to keep in mind. Running a business without understanding the legal ramifications of each decision can lead to serious consequences. This is why most business owners spend thousands of dollars, if not millions on making sure they understand what the law is all about for their setup. You may find the information and resources available at Hoffer Adler to be very useful. Here is a detailed look at the top tips for maximizing the legal side of the business.

13 Recent Bankruptcies That Shocked The Business World

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From big name brands to corporations you would never expect to see go bankrupt, sometimes filing for bankruptcy is a necessary step towards protecting one’s assets. Maybe it’s strong competition, debt you can’t repay, internal business trouble, or something else. Here are some recent bankruptcies we think are worth noting.View post

4 Benefits of Regular Hair Salon Visits

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Depending on your past experiences, the hair salon can be a place where you feel ready for transformation or filled with anxiety. The anxiety probably had more to do with infrequent visits and unexpected outcomes than anything else. Either way, there’s a case to visit the salon regularly to maintain healthy hair and amazing confidence. Whether you choose to visit every 2 weeks or every 2 months, here are 4 benefits of regularly scheduled visits:

4 Reasons Why Hiring a Catering Company Can Benefit Your Event

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Catering can seem like a luxury, and many people think that hiring a catering service is too expensive to justify. However, hiring a catering service is more affordable than many people realize, and hiring the right service comes with a number of powerful benefits. Here are four reasons to hire a catering company for your next business event. 1. Stand Out From the Crowd It's common for business events to provide the bare minimum of food or to require attendees to bring their own meals or dine out. When you hire a caterer, you distinguish your business from the crowd. During busy ...

The Top 10 World’s Biggest Data Breaches

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There is no doubt that the Internet and computers have significantly improved our lives, but the use of both is not without risk. One of the risks of storing data on your computer and having it connected to the web is that it can be hacked at any moment. Unless you use resilient IT services to manage and protect your networks, your data can fall into the hands of unscrupulous people. There have been several data breaches over the last few years, most of which have occurred in the United States. It is estimated that close to one billion users of ...

5 Workforce Management Tips That Every Leader Must Know

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The development of leadership skills is something that typically occurs over a long period of time. It’s often trial and error since many leaders are promoted into positions with additional responsibilities that include workforce management. Following are beneficial tips that can help any leader improve operational performance and business outcomes.

Top 6 Most Expensive Wines in the World

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Wine is far more than a simple beverage. Some refer to it as a type of art that can tell a story based on many factors. A wine from a vintage year can tell a story based on the history of that time, for instance. However, it can also be a pretty smart investment to buy the right wine provided that you know what you’re doing. Alongside those, buying and collecting wine can be a passionate hobby, a memorable souvenir, or even a decorative piece for some. The point that is being made here is that wine can be an incredibly ...