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. ...

4 Ways You Can Save Money On Your Mortgage

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When you have a mortgage, the thought of being able to save money is obviously a tempting one, but it is actually quite possible to do this. It is a lot of money over a long period of time. The sooner it is paid, the happier you will be. In the long run, you can actually shave off several thousand dollars if you do certain things, such as making some changes and perhaps a few sacrifices. To the rich, this may not mean a thing, but for the rest of us, we would jump at it! So, let's take a look ...

Top 4 Reasons Why a Leadership Course Will Be the Best Decision for Your Career

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Climbing the corporate ladder and making your way to the top in the world of business has become harder than ever before. With an unbelievably full pool of extraordinary candidates coming out of schools around the world each and every day, people can find themselves struggling to even get their foot through the door to show off their talents. You need to find a way that will make you really stand apart from coworkers and competitors, and having the right set of skills can make a world of difference. Businesses will always need quality leaders who can inspire their teams to ...

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.

4 Major Benefits of Hiring Professional Mortgage Broker Services

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If you are looking to buy a home, you may be considering the option of hiring professional mortgage services. If this is your first time buying a home or has been a while since you last purchased one, many benefits come with hiring these professionals. Here are four major benefits of hiring professional mortgage broker services. 1. Experience and Knowledge One of the first benefits of using professional mortgage broker services is that they have years of experience working with banks and lenders. This means that they know how to find the best deals for you. They also will be able to ...

4 Financial Benefits of Taking Out a Second Mortgage

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Sometimes there are situations in life where you want to increase your cash flow. These can include an emergency, a desire to continue your education or renovate your home, or make a big purchase such as more real estate or a vehicle. Loans or lines of credits are popular options but sometimes the interest rates on these are not favourable or lenders may not be able to provide the amount that you need. As a result, some homeowners choose instead to take out a second mortgage on their homes. This consist of borrowing against the equity of your home, providing you ...

9 Best Employee Engagement Activities to Boost Morale

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Beyond systems and capital resources, the greatest resource in your company is the employees. It’s not just the wheel that moves your business forward that is important, but the employees, the workers that keep it rolling forward. However, for employees to be engaged and motivated to work for you, they need to feel valued, that their contribution matters. They also need to understand the “why” in every activity and task so they can give it their best effort. Besides the “why,” they also need to understand “what” your businesses goals and objectives are.View post

8 Ways to Scout for a Great Employment Lawyer

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Finding the best employment lawyer for you can be a tricky experience. As your future is in jeopardy, you need to make sure that the lawyer that you choose is up to the task at hand. You will need to do your research on each lawyer that you’re considering to be certain that they are qualified enough to help you with your problem. Here are 8 things that you should look for when choosing your employment lawyer View post

8 Ways to Make a Big Profit from Selling a House

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The housing market is still hot in some of the key markets, such as Toronto, Vancouver, and Montreal. But what about the rest of the country? The data show that sales and prices are still surging in these places, but sales and prices are stagnant in most places you could not find on a map of Canada. In this market, even a dilapidated home in the middle of Toronto can yield $900,000. This can make any homeowner ask themselves: Why bother doing anything at all if you can make such a big profit from selling a house? Well, for one thing, ...

12 Best Retail Pricing Strategies for Shopping Malls

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Increasing profitability in a shopping mall environment is what every retailer is chasing after. How to maximize sales units without sacrificing profit is the key. Cost structure and pricing strategies impact how a retailer functions, and how far its profits go. Finding the right pricing strategies for a retailer can take some experimenting, but it’s well worth when it comes down to the rewards. Here are twelve possible retail pricing strategies you can try for shopping malls:View post

15 Best Paying Labor Jobs with the Highest Pay

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Labor jobs make our world turn. They’re the jobs that don’t aren’t flashy and come in sectors where most don’t aspire to find work in. The truth is though that these jobs are very important, ensuring homes and businesses have adequate services and support. If you’re seeking a general labourer job with high pay, here are fifteen of the best paying labor jobs in our country:View post