Category: Tips & Opinions

Pension Plans:  Many companies have opted out of pension plans, which is unfortunate in my opinion. Many people used to stay at their employment because of the pension, so it used to help in the longevity of keeping your employees. There are different options when providing a pension.  Some companies can match the percentage that […]

Critical Illness and Disability Insurance:  Some people look at this type of insurance and do not see the benefit.  I was one of these people.  I did purchase this type of insurance for my mortgage, as I had a significant amount of life insurance, my mortgage broker suggested that I should instead purchase critical and […]

Short Term Disability:  A lot of companies have gone away from including this in their benefits package as it can be covered by EI.  This is true, but there may be some things that companies are not aware of when they make the decision to exclude this from their benefits package. Although your employees can […]

Living Will:  This is a will that captures the ability for you to have and make all necessary choices for your life if you become incapacitated and in a circumstance where you can’t make your own decisions – usually brought on by an accident or illness. Living wills and other advance directives are written, legal […]

Advertising:  What captures people’s attention? It is always beneficial to do something catchy regarding your business.  What is your business slogan or have you created one? What is a sticky note saying that captures what you do? When you have created it, how do you or how will you use it? Do you do internet […]

Life Insurance:  This is another topic that people struggle with.  So I am going to start out with questions to ponder first. Questions to Ponder: Do you want your loved ones to struggle after you are gone? Should your spouse and kid’s lives change drastically once you have passed? Is it fair for them to […]

Growing your business:  The last two years have been a trying time in this department.  Some business have thrived depending on what product or service they offer.  Others have struggled due to restrictions. Questions to Ponder: Where are you sitting in your business currently?  How does your profit / loss report look? Here are some […]

Wills:  Let’s start with this one.  If you don’t create a will, the government has the right to divide your possessions and estate.  Each province in Canada does it a little differently and allows for more complications during an already difficult time for the ones left behind. Dying without a Will can create problems for […]

Business Arrangements:  As I am discussing many different topics around Death and choices in the Personal Tips / Opinions this week, I am posing this question to Business Owners. Questions to Ponder: What happens with your business in your demise? Do you have your business affairs in order? There are necessary steps to take when […]

Tough Conversations:  After writing my last post it brought some other topics to mind that a lot of people don’t like to think about, never mind discuss.  Wills, Life Insurance, Critical or Disability Insurance, Health Care Directives (Living Wills), Funeral Arrangements, Obituary and so forth. I feel very fortunate in my life as my dad […]

Inventory Options:  Depending on your amount of inventory depends on the options that you have for counting. If you have a lower amount of items and it is something that 2 people could count in one day, then it would be beneficial to count and reconcile monthly.  By being able to reconcile on a monthly […]

Fire Insurance:  We had a fire in our city yesterday in an apartment block – one that was being built, so no one was hurt or lives changed for that matter. In saying that though, it gets me to think about sharing this information. Do you have enough insurance?  A lot of renters do not […]