Author: Ted

4 Ways Parents Can Save for Their Children’s Education

One of the best ways to save for education is by getting a heritage resp reachs Registered Education Savings Plan. This allows parents to tuck away money for when their children eventually set off for university. Here are four different ways to benefit.

1. Grants in Canada
Grants are a great way to get help paying for university, especially because it’s financial assistance that doesn’t have to be paid back. The Canada Education Savings Grant takes care of up to 20% of the first $2500 contributed to a savings plan each year. The most that a family can receive from this grant over the course of a lifetime is $7200. Still, this makes a big difference when pursuing university options. Another grant is called Additional CESG and follows in the footsteps of the Canada Education Savings Grant. It adds an extra 10% to 20% to the grant amount. The exact amounts of financial aid from these grants depends upon a family’s particular income.

2. Province-Specific Options
While there are programs and assistance available throughout the country, there are some options that are specific to certain provinces. One example is Alberta’s Centennial Education Savings Grant, which is open to children born on or after January 1, 2005. This grant supplies $500 to an established education savings account and $100 each year as long as the applicant is still eligible. Québec has a similar program, although it amounts to a maximum of $250. These types of programs target parents of young children to save up early for a university education. The goal is to encourage families to pursue a higher form of education after high school even if they feel that they can’t afford it using best provider as heritage resp.

3. Income Assistance
Not everyone knows that there are nationwide assistance programs for families that meet the minimum qualifications. For example, the Canada Learning Bond was put in place to aid families who receive other government benefits. There are a couple of requirements that a family must meet in order to apply for the Canada Learning Bond. They must have a child (or children) born on or after January 1, 2004 and they must be part of the National Child Benefit. If they meet those qualifications, a family can get an extra $500 bond when they sign up for a Registered Education Savings Plan from heritage resp. Moreover, they will get an additional $100 every year if they still meet the requirements.

4. Tips for Current Students
Some parents might be desperate for help even if their kids are already in school. All hope is not lost; there are ways that university students and their parents can work together to save money. First of all, sitting down to go over all options is a good starting point. It’s an opportunity to see where the student’s grades are and how he or she is balancing school and a social life. If there is room in the schedule, it might be worth considering an on-campus job to help with finances. This type of employment does not need to be heavy on the working hours. In fact, students can spend a few hours a week working at the library, in the dining hall, or as a tutor. Any bit of extra income is a huge plus!

7 Trends That Will Change Your Personal Lending Habits

There are several different trends you can apply which can change how you perceive and view personal lending and debt. Here are some of them listed and explained below.

1. Fintech fragmentation which starts by moving toward a winner who will remove uncertainty

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When you look at the current world we live in, you notice that every person only gets paid to sweat and brave the details of uncertainty. And you find that anyone who can remove certainty always stands to make a lot of money. Look at the blockchain technology which can remove uncertainty on the value of an asset. It can help a lot when it comes to eliminating fraud by ensuring every individual is given a unique ID, explains Chad Otar, Excel Capital.

2. The market is evolving: the 2018 marketing efforts are bound to get cheaper with targeting getting easier

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Many B2B businesses, Lendgreen lenders included, will eventually have to move into building long-term relationships instead of looking to acquire more leads. These businesses will also have to pay more attention to the churn rate to monitor all the long-term health of their brand or marketing.

Businesses will also get to be more personal and human when it comes to marketing as well with the inception and incredible growth of social media which still continues to blur the lines when it comes to telling the difference between professional and personal lives, states Mark Seigel, Veritas Financial.

3. It will be much easier to maintain a portfolio using technology and algorithms to spot any issues

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Algorithms are currently taking over the transaction business in the B2B businesses. Businesses can now maintain their portfolio much easier with technology spotting any problems or issues that might arise in the business and showing you where you need to focus more of your attention. You will practically be more efficient.

Lenders are now incorporating more data into their sales, portfolio management, and underwriting processes as well as their decision making all to ensure they deliver easily accessible and convenient services, explains Linda McDonough, communications & marketing executive, LLC.

4. More power shifts to the client or consumer with the increased number of reviews and data which influences their decisions

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Right now the reviews on TrustPilot basically acts more like the Yelp site for B2B businesses. And you will find that more clients are now depending on sites with unbiased reviews to make their decisions. These sites can be Facebook reviews, Google reviews, and any other trustworthy sites like TrustPilot.

5. Big players keep pushing into the lending business while some of the upstarts can still end up experiencing business model pivots

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The population of contract workers, freelancers, and many small businesses is growing at a very fast rate and for the businesses that rely more on invoicing, it is inevitable that behemoths like PayPal and Amazon can end up exploring lending at much larger scale.

Other companies like OnDeck.Inc. may also have to rethink their overall lending models with the current age where high rates are no longer acceptable to investors.

6. More records are getting digitized

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There is no other way to go about it. Even the businesses and industries that have widely resisted it need to have their records digitized. This will hopefully make your jobs much easier when it comes to factors like record-keeping and fuel distribution. It will also be a lot easier to spot problems find systemic issues which your business underwriters may have missed.

7. Personal contact with your clients and customers has now become a premium service with most services now going digital

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Organizations and businesses will no longer have to work and interact with only half of their customers. Contextual engagement has now become a source of differentiation and with the current impact of automation and ability to integrate human and digital interaction, it now seems like customers and businesses are interacting at more personal levels than before.

Explains Vince Mancuso, NextEdge Capital

6 Topics That Must Be Addressed in Every Couple’s Money Chat

While every couple would love to talk about how they would spend all that money if they won the lottery, or how their lives would change if they won that jackpot, it all comes down to the hardships of getting that dollar and cent on the table. Especially if you have plans on getting installment loans from creditors: Lendgreen. This is no easy feat as most couples know by now. Here are six steps that can help to define who you financially as an individual, and also help you lay the groundwork for any short, medium, or long-term planning that you may have.

  1. Who are you?

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You can decide to have your own little confession time with your partner to get to know each other better. How does each of you behave around money? What worries you? What are your strengths and weaknesses? When you explore the money topic as a couple, you may realize the many financial personality issues you had that you may have ignored or just failed to realize by yourselves and help each other deal with these issues.

  1. Your assets and liabilities (loans)

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Most of the times, you will find couples meet, fall in love, and get married without taking time to learn about their partner’s financial situations, their assets, and even their liabilities. Trust me; it never ends well if your partner is only finding out about an old student loan you took some decades back, or that you find out that your partner is so deep in arrears only during the time you are negotiating a mortgage for the home you want to have together.

You can make things easier by listing down every debt you’ve ever owned and also all the assets that you own, including all your bank and investment accounts. Keep your partner on the loop about everything so they don’t get shocked hearing all these when nothing can be done about them.

  1. Share credit reports

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As couples, it would be a good idea to share your credit reports. So, each partner knows the other’s credit history. You may have a poor credit history, but through some agreements with your partner, the other person can help you to improve it possible in the future.

  1. The cash flow

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Another factor that will amaze you is to realize that most couples don’t usually know their partner’s gross income, leave aside their disposable income at the end of the month. As couples, you can always decide to lay out one another’s monthly after-tax income and also list all your monthly obligations as well. Do not forget to include your semi-annual or annual payments as well as insurance. This will help both of you, as couples, to create a couple’s budget which is a much better way you can handle your finances.

  1. Establish your roles

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Another one of the difficult aspects to deal with as couples is establishing each other’s roles in your relationship. This is usually difficult to those partners who have been single for a long period. These partners have problems deciding on how they can manage joint finances. The most important thing is that you have a discussion about it together, and work on how the two of you can come to an understanding, then stick to the agreement until both of you agree on a change.

  1. Dream

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Everybody dreams of having that flashy and luxurious lifestyle one day. Of course, all these dreams cost a lot of money. A lot of beautiful things can come from dreams, especially when you realize that your partner shares in these dreams as well. You should always let your dreams be the driving factor towards creating that financial plan together.

6 Factors to Consider When Choosing Logistic Services

Choosing a suitable logistic partner is essential for a successful export and import business. This means that the trucking companies have the full responsibility for safety and security of goods from the source to the destination. Therefore, you should consider the following factors to ensure you acquire appropriate and quality freight services.
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1. Type of ServicesChoosing the type of service should top your list. Although you should get freight companies that provide plenty of them, it’s important to define what exactly you need. Also, just because a provider is an expert in one area, it’s not a guarantee that they can deliver to your company’s expectations.

2. Cost

Just like the services, the cost is a huge consideration when choosing a transportation company. On this note, keep in mind that the lowest price isn’t always the suitable option. Companies that beat competitors in price may cost you reliability, visibility, and uninviting customer service. Therefore, you should consider the rates in relation to the services offered.

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3. Customer ServiceDealing with trucking companies requires a lot of back and forth communication during the planning phase. Therefore, you need reliable and credible customer service to ensure a seamless process. You can know about a company’s customer service by asking for references such as businesses dealing with similar goods.

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4. SafetyWhat are the safety regulations set in place for the protection of goods during transportation? The companies need to have a set of policies for the logistics. It should also provide various options for insurance coverage for the items to be transported. Before you settle on a Canadian trucking company, you should evaluate the available options and check online reviews for safety ratings.

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5. TechnologyDoes the company present various technology approaches for excellent and reliable service? Such strategies include automated processes, carriers’ database and systems that can identify issues with the supply chain. These procedures can quicken the entire process and possibly cut down the costs.

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6. ScalabilityAs a startup, you ought to find a company that shows the ability to scale with your business. What advanced services are there that you may need in the future? Can the company comfortably accommodate your business changing needs? It is crucial as there will be no need to get another company when you need more assistance. Also, getting an appropriate company can offer you advice and support as your business grows.

Planning on logistics can be a lengthy process especially for start-up businesses. These factors are essential to ensure you get one that provides the services you need at a suitable cost,  visit Fortigo Freight Services to find all these factors in one company. Most importantly, choose one that puts the interest of your business in the forefront and offers dependable customer service for a smooth process.

7 Tips to Help You Choose the Right Mascot Performer for Your Character

Designing the right mascot for your business can turn out to be a complicated process. Upon deciding on the style look, type, brand personality and how the custom mascots will be used, the next stage is to choose the right performer. You might have the best mascot costumes, but without a good artist, all that creativity and hard work might go to waste.

1. Write a job description

Every job has a description of the tasks and duties that the individual will perform. Therefore, think of what the performer will be doing before putting up an ad. Besides being a performer, decide other tasks that you want the individual to undertake. Some organizations delegate social media marketing responsibility to the artists. Also, decide on the character, values, and personality of the person you wish to hire.

2. Create an ad

The next step is to make a job description. Include the hours of work, height range, pay rates, location and the desired levels of fitness. Make sure you do not leave out any description so that you can get applications from people who fit your description only. If you want your performer to complete a background check, mention that requirement at this point.

3. Decide the parameters you will use to narrow down the candidates

When handling a large volume of applications, you will require designing a strategy to use when shortlisting your applicants. Narrowing down the applications is important as it saves both your time and that of the applicants. To do so, request for information from the applicants through emails or conduct telephone conversations. Once the hopefuls pass these tests, they might be worthy of an in-person interview or audition.

4. Select the appropriate channels of sourcing talent

After coming up with a brilliant job description and designing a compelling advertisement, it is time to put your ad out there. Proper channels include websites, colleges or social media platforms. Consider the cost and effectiveness of the channel. After you choose the best method, post your ad and get ready for applications.

5. Establish a criterion for fair judgment

Select the factors you will consider during the interview. Assign points for each factor according to the weight it carries. Remember to include intangibles such as enthusiasm, entertainment value, and creativity.

6. Decide on the specifics of the interview/ audition

Here, you choose how long each session will take. Also, set time limits for all activities within the interview such as how much time the performer will have to make moves and show creativity. Your question and answer session should examine an individual’s enthusiasm, commitment, and responsibility. Go over the categories with the judges so that they are well versed.

7. Hold the interview

Now that everything is set, it is time to interview the candidates. Remember to follow the criteria and do not be biased. Always look out for a performer who has the company’s best interest at heart. Additional resources are available at the Hogtown Mascots Inc. website.

5 Things to Consider When Choosing a Courier Service

If you run an online-based business, odds are your courier service is the only actual human interaction most of your clients will have with the company. In other terms, your courier represents your business when making the requested deliveries. As such, choosing the right courier services is therefore of vital importance. Here are five things to consider when selecting a courier.

1. Speed

Think about how quickly you’ll want your packages delivered. If the parcels are needed urgently, a same- day or overnight courier would be the best choice. However, building a relationship with a courier and working together to find a solution that suits you both might be easier if you’re flexible with time.

2. Pricing

The price advertised is not necessarily the final price. Because hidden costs can make a significant difference, commit only after you’ve seen the final price. Shop around for quotes. Some online comparison websites will match you with courier services making similar journeys. Although this could help you avoid costly couriers, the best prices don’t necessarily mean the best services. Before you make a decision, try to get at least five quotes.

Remember, it mostly is about cost and not price. Find out each courier’s guarantee and customer services policy in case things go wrong. Compared to a pre-booking charge, efficient logistics can save you more time and money by streamlining operations, reliving admin and simplifying the booking process. Beware of low-cost service providers. Many of them will cut corners to make money. Instead, choose couriers with a good enough price margin to offer quality services.

3. Tracking

Before you settle on a courier, find out whether the company offers tracking services. With the ability to track the location of all your parcels, you can put your client’s mind at rest in case of delays. More importantly, you wouldn’t want to lose any of your packages. To be on the safe side, find out whether the courier allows you to automate your small business shipping processes.

4. Reviews

Make sure you do your research before you settle on a courier. Start by checking references and reading online reviews. You can find the reviews of past customers in review sites and forums. On the other hand, if you intend to use an independent courier, make sure you ask for references.

5. Professionalism

Making sure your courier projects professionalism in every aspect of the job is of uttermost importance. As the only human interaction with your clients, your courier will be representing your company. Think about their dress code. Having a uniformed courier delivering goods to your customers makes your company more trustworthy. More importantly, you’ll want to consider the quality of customer services offered.

Depending on your needs, using the same company every time might not be possible. For instance, you probably won’t use the same courier for local and international deliveries. Make sure you’ve researched your courier’s policies so that you know what to expect should things go wrong. To learn more, visit Flagship Courier Solutions and learn from their online resources.

Is a Marketing Career Right for You?

Many people use the professional services of marketing recruiters to assist them with a job search each year. You may have previously worked in this field, or you may be thinking about changing fields to improve your career prospects. Before you make the decision to use headhunters to help you find marketing jobs, it is important to take a closer look at what a career in this field entails and how easy it may be to find a great job that exceeds your expectations.

The Education Requirement for Marketing Jobs
There are an extensive range of marketing jobs available for you to consider applying to, and the education requirements for each varies considerably. For example, to become a marketing director at a major corporation, you may need a Master’s degree along with many years of experience in the field. To become a graphic design specialist, you may need a four-year degree or related business experience. Some advertising jobs are entry-level with no specific education requirements, and others require a two or four-year degree. With this in mind, most people can find jobs in this field regardless of their educational background and experience level.

The Different Career Opportunities in Marketing
There are an extensive range of careers in marketing and advertising. For example, one element of marketing is tele-marketing, and you may be able to spend your days on the phone in a sales position. There are wonderful advertising jobs available for those with a creative mentality, and these jobs place you in top advertising firms working on ad campaigns for popular brands. Digital marketing opportunities, creative writing positions, technical positions and more are also available, extending your range of options when searching for a new job.

The Ease of Finding Marketing Jobs
In many fields, job seekers use the professional services of headhunters to find jobs, and marketing is no different. Marketing recruiters can facilitate the job search in numerous ways. For example, a recruiter can actively search for jobs in a specific area that are suitable for you based on your income requirements, skill and education level and more. While some find it challenging to find the right position based on their interest and skillset, others may locate a job within a few weeks or less.

The decision to search for a new job in the marketing field may be easy to make. You may currently be in this field and may be excited to branch out into other areas of marketing. Perhaps you recently obtained a marketing degree and are eager to find your first job in this field. This can be a satisfying, financially rewarding field to work in, and there are many opportunities to explore. Use the services of a headhunter to more easily make your transition to a new position.

How Proper Configuration and Monitoring of Wireless Printers May Reduce the Risk of a Data Breach

A wireless laser printer that has been improperly secured can often be an inviting target for malicious software applications and unauthorized users who are seeking to gain access to a network. Many businesses and organizations mistakenly assume that office printers and other non-computer equipment that may be connected to the network are not an issue in terms of digital security. Taking steps to secure printers for small business networks can allow organizations to reduce or even eliminate many of the potential risks and liabilities that could lead to a data breach. From network servers to a simple colour laser printer that is attached to a LAN, proper equipment configuration and monitoring is often of paramount concern when it comes to addressing issues related to digital security.

💻 Enhanced Connectivity May Lead to Greater Risk

While adding a wireless laser printer to an existing digital network can greatly enhance convenience and efficiency, connecting office printers that have not been properly secured or configured could prove to be a very costly misstep. Failing to address any underlying security issues or vulnerabilities found within the network can be nothing short of a disaster and businesses would do well to ensure that printers, mobile devices and other equipment are given the same priority as conventional desktop and laptop computer systems. While there may be relatively little damaged caused should a unauthorized user gain access to a simple colour laser printer, the ability to access any device that is part of an existing network may significantly compromise the level of overall security. The West X Business Solutions website has more resources available if you would like to learn more information.

💻 Addressing the Most Common and Costly Issues

When it comes to securing printers for small business use, there are a number of resources, service options and even digital applications that can make a difference. Working alongside IT professionals who have the background and experience needed to identify and address any issues that may be present is often the best way to approach the situation and equipment owners would do well to ensure that office printers and other peripherals are included in any threat assessment or security upgrade efforts.

💻 Configuration and Software Issues

Improperly configured devices and outdated software are often the two biggest security concerns. A wireless laser printer that is not properly setup for network use or a color laser printer that may be overdue for a software patch or update can often be a substantial security threat, one that businesses would do well to address without delay. Securing all printers for small business use can eliminate one of the most common and significant security threats, one that may easily result in a data breach for those who fail to take the proper precautions.

The Top Benefits of Professional Document Shredding

Sadly, simply putting personal documents with sensitive information into the recycling bin without shredding them has become a thing of the past. Identity theft and personal identity scams are real, and businesses and companies need to be aware of this.

If you have a business or company and are faced with sensitive documents that need proper document destruction, going with a professional document shredding facility is your best option. Here the following benefits of secure document shredding services.

You’ll have peace of mind.

First, when you go with a professional document shredding company, you can have peace of mind that all of your documents will be fully destroyed and that no one will ever be able to read the information on those papers. This can set your mind at ease when it comes to the possibility of identity theft and similar crimes.

You won’t have to worry about purchasing expensive and complicated shredding machinery.

Next, remember that the equipment that is necessary for shredding sensitive documents can be expensive. Paper shredders can also be difficult to deal with and often have problems. By outsourcing your document shredding to a professional document shredding company, you can avoid all of the hassle of dealing with document shredding equipment.

You’ll have less trash and recycling.

One of the most overlooked expenses for companies and businesses is trash removal. Recycling is also an expense that many companies and businesses have to deal with. When you choose a professional document shredding company to shred and take care of all of your sensitive documents, they are also taking care of a huge amount of trash that you would otherwise have to deal with. Furthermore, you know that they will be recycling all of these materials in the appropriate fashion.

You’ll be able to recycle and know that you’re helping the environment.

Simply knowing that all of the paperwork that you have sent to a professional document shredder is being recycled properly should put your mind at ease as well. When you recycle paper instead of throwing it in the trash, you are helping the environment.

You’ll be square with federal and state regulations on taking care of personal information.

The federal government and state governments have guidelines and regulations about how businesses and organizations must take care of sensitive personal information. When you go with a professional document shredder, you will know that they are taking care of all of these regulations and making sure that you are square with the government.

Ultimately, going with a professional document shredding service is the best choice that you can make when faced with what to do with sensitive documents. Keep in mind that many of these paper shredding services Victoria also offer hard drive destruction.

Are You Shredding Everything You Need To?

Document shredding is an important but often overlooked tasks that can ultimately lead to significant liability for your company. Many businesses currently have a paper shredding system in place, and this may include a manual paper shredder or a document shredding service that collects items to be shredded on a scheduled basis. However, these document destruction systems are only effective when they are properly employed by your team. Some documents are regularly overlooked and are tossed away instead of destroyed, and this can cause numerous, costly problems for you. These are some of the most common items that need to be shredded and that often are not.

Receipts and Invoices
Your business likely generates a substantial number of receipts and invoices. This may include receipts for products and services you purchase as well as invoices for your customers and clients to pay. Some receipts have identifying information on them, such as the company’s or individual’s address, payment method and more. Financial theft and fraud can easily occur when these items are not properly shredded. Ensure that you and your team shred all receipts and invoices on a regular basis.

Human Resources Documentation
The human resources team may generate a substantial amount of personal data related to your employees. This can include their social security numbers or other tax ID numbers, their birth dates, mailing addresses and more. Some may even have access to spouses’ and kids’ ID numbers and other relevant information. Many HR departments pull a copy of the employee’s credit report as part of the hiring process, so credit card and loan account numbers may also be printed out. As you can see, there is a tremendous amount of personal information that your HR team needs to be destroying.

Hard Drives and Data
You may often think about paper shredding tasks, but you may not realize that hard drives are just as important. Hard drives can be accessed when they are tossed away, and these often contain vital company data, client and employee data and more. You simply cannot allow hard drives to fall into the wrong hands, and hard drive destruction services are necessary.

When you fail to destroy critical data, you run the risk of having criminals steal your company’s valuable data, your employees’ personal data and your clients’ information. This can result in considerable hassle and even financial grief, credit rating issues and more. You also run the risk of facing liability issues if you fail to take proper steps to safeguard vital information. Take time to analyze the destruction of data in your office to ensure that you are taking all necessary steps to minimize the risk of liability. The experts at Shred-it are capable of providing you with further information.