Monthly Archives: November 2016

Cyber Monday is Here

Cyber Monday is finally here and we thought we would help shoppers out just a bit. The bottom line here is to save money, right? Cyber Monday is right next to Black Friday and it was established so no shoppers would feel left out. Now, you are supposed to be choosy! Don’t fall into every deal you see until you compare it. Canadians shouldn’t impulse shop just because a cyber deal looks too good to be true! Visit other sites and see if there is better savings.

Some Canadians are just getting off work and coming online to do some shopping, so of course, they might be in more of a hurry since it is late in the afternoon. However, we encourage Canadian shoppers to take their time and really consider their wants and needs. This is supposed to be a way to get gifts for loved ones at a bargain too–let’s not forget that!

So, allow our below shopping tips help you out this marvelous Cyber Monday! You can avoid those consumer traps and come away with some real steals. Let’s take a look.

Cyber Monday is All About Consumer Savings–Pay Attention!

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  1.  Begin your cyber Monday shopping by using Google! Check out where the best cyber deals are online! Also, remember, shopping online within Canada will save on International shipping rates, which is quite significant. So, be smart and don’t just pop on a site and spend. Pay attention!
  2. This Cyber Monday page will help you find the best sites to go to for raking in the savings! Yes, we took the hard-work out of your hands and did a little bit of digging on our own. You can still do some shopping research yourself, but we guarantee you the above online shops offer some sweet cyber discounts.
  3. In order to protect yourself and your online purchases make sure to print off your receipts and save them if there is a problem. This eliminates a lot of the hassle that often occurs with online shopping transactions. So, now that you have that peace of mind, you can shop with ease!
  4. Do a daily search and start cyber shopping early. Of course you can’t make purchases early but you’ll know exactly what you’re looking for when the fun begins!
  5. Just as with traditional shopping, always read the fine print! Many Canadian shoppers get a little check out shock online! Know what’s on sale and what items are going to have the best discounts. Don’t fall for the buy one get one free if it really isn’t a savings at all. It’s important to do your research and always, ALWAYS read that fine print.

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Is Your Small Business Ready For The Holidays?

Preparing your small business for the holidays is of critical importance! It’s not something a small business owner should procrastinate about,and there are definitely reliable steps to ensuring everything falls into its rightful order. Any small retailer should want to hear the “cha-ching” of their cash register, so planning for upcoming holiday sales will definitely help. The right software can help small business owners properly plan and prepare without regret. While Black Friday is gone, this is just the beginning of the holiday shopping season. So, let’s go over some practical ways you can really build your small business and ensure you are definitely ready for the holidays!

Getting Ready For The Big Holiday Rush

Your small business can be ready for the holidays with proper preparation

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Clearly, many retailers experience their largest sales between November and mid January. All retailers should always be ready for a huge rush of shoppers, especially those late shoppers. Staff should be trained well and teams should easily manage a rush, whether online or in traditional mortar locations. Now, friendly customer service is a definite must have too. The following below tips can really be beneficial to any and all small retail business owners. Don’t forget commerce websites should be looking great, have extreme user friendliness and leave no questions on how the purchase policies are implemented.

  1.  Don’t you think you should really promote the most authentic holiday shopping experience? Now, this is far easier to do online than offline. A holiday theme is simple to integrate and boosts the holiday spirit. For mortar locations, having promotions and freebies can help to boost sales and enhance the holiday season too. The goal is to get people to spend money!
  2. All small retailers should pay particular attention to their marketing approach. From using ads to creating holiday circulars and traditional flyers–small business people can get the word out easier than ever before! Be crafty and have authenticity from competitors though.
  3. You need to provide the smartest incentives! Shoppers start looking around for the best premium sales, discounts and freebies early on, so get your’s set up fast! The best plan is to get this done before Thanksgiving. What strategy will work for you when it comes to pulling in that high revenue? Be creative and really think about it.
  4. Send your repeat customers cards and fill them in on upcoming sales and freebies. If you’re going to be doing a buy one get one free offer, make sure it is something that is enticing! Send a holiday card with a brief message, just to make your customers feel special!
  5. Remember, after the holiday rush comes to an end you’ll want to keep up your momentum. Don’t let your dedicated shoppers down. It is important to stay on top of trends and offer items customers want. If you think of every day being a holiday you can beat out your competitors and keep your small business thriving!

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8 Expert Ways Canadians Can Stretch Their Money

How far can Canadians stretch their money today? Seriously–how far can that one paycheck take you? Unfortunately it isn’t very far for most Canadian families. Economics are definitely upside down across Canada and even more so within the US. The goal is discovering how you can stretch your money without feeling restricted doing so. It might sound difficult, but really–it’s not. You have to develop the right attitude and mindset regarding your money. We do understand if you’re already on a shoestring budget this can feel almost impossible. However, there is always a way for those who are intent on improving their financial lives!

We don’t recommend accepting payday loans, or taking out any kind of high interest loan to make ends meet either. You have to be smarter than this. If you’re in a situation where you know you can pay a payday loan back in full, that’s fine. But, don’t ever take one of these out and get trapped. Too many Canadian families do this and find themselves renewing it week after week–or pay period after pay period.

Expert Tips To Guarantee Canadians Stretch Their Money

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Let’s get right to it and help families begin to feel more comfortable about their finances. Remember, it’s all about that mindset!

  • Make a rule to not spend a specific kind of currency! Whether this be $1 dollar bills or $5 dollar bills, start putting these aside each and every time you have them. You’ll feel satisfaction watching that nest egg grow
  • Have you ever considered making your very own cleaning supplies? We all know how expensive these have become through the years, right? Well, if you make your own–Canadians stretch their money in unbelievable ways like this!
  • Put your children on a budget, and don’t buy everything your children want either. This will teach them good money habits as they get older. If you do otherwise you’ll be sitting up your kids for ultimate failure.
  • Write absolutely everything you spend down, it absolutely helps you keep track of where your money goes. This kind of habit can also help you reign in unnecessary spending.
  • Stop eating out every week! Begin planning meals at home ahead of time, and do the prep at the beginning of the week so it keeps everything simple. This way you don’t have the excuse there is nothing for dinner!
  • Plan a weekly budget and stick to it. If you don’t allow for extra spending, then don’t spend. If you’re on a goal oriented plan, give yourself incentive to not be persuaded.

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Following these simple tips can help you learn how to stretch your Canadian dollars further and feel good doing so. As we’ve said before, it isn’t hard to save or put more of your money to good use when you have the right plan in place.

Programs to Tranform Housing Costs For Canadian Families Today

Canadians spend more than 40% of their monthly income on housing, which is extraordinary. However, this dilemma is occurring all across the United States as well. Because of the stagnation in wages, but the increases in housing and other living costs–Canadians are struggling to stay above water. Some Canadians can only dream of becoming a homeowner. Canadians who do manage to acquire a home struggle from month to month with bills and a mortgage–most just one paycheck away from homelessness. Today, there are many new programs cropping up that are meant to help middle class Canadians achieve their dream of home ownership in a very affordable manner, and that is what we are going to talk about here.

These programs ensure Canadians can own a decent home without being underwater and without going above their own income limits to do so as well. So, let’s take a look at how some of these programs work.

Bridge to Home Ownership for Canadians

What is great about some of these new programs emerging lies in how they stay honest with the consumer. These bridge to home ownership programs are about helping Canadians spend less on a home, but still have the same home quality. If credit is an issue, financial experts work with families to help them get to where they need to be. How does it all work really? Well, it is as simple as starting an application of interest! You can get a home and not feel like your drowning in debt doing so!

These programs, like “Sandstone Managements Program” help those Canadians find housing that fits their budget and family size. You can get into a home of your choosing while you work to repair your credit, and you aren’t going to be broke doing this either. Many Canadians are seeing this as a far better alternative than renting an apartment or home, yet never really getting anywhere. The bridge to home ownership programs allows Canadians to get into a home under a lease purchase agreement. Financial experts then work with them to help them get their credit where it needs to be within a year or two to finally get a traditional mortgage agreement.

Realtors' signs are hung outside a newly sold property in a Vancouver neighbourhood where houses regularly sell for C$3-C$4 million ($2.7-3.6 million) September 9, 2014. Chinese investors' global hunt for prime real estate is helping drive Vancouver home prices to record highs and the city, long among top destinations for wealthy mainland buyers, is feeling the bonanza's unwelcome side-effects. The latest wave of Chinese money is flowing into luxury hot spots. But it has also started driving up housing costs elsewhere in a city which already ranks as North America's least affordable urban market. Julie Gordon/Reuters

 

For the most part, the down payment for these programs is fairly reasonable, often at around 3.5%. So, if you’re looking at a $109,000 home, you’ll need at least $4000 upfront and then pay around $800 per month, with some of that going to your future mortgage. This strategy works far better for Canadian families than simply renting an apartment or condo! So, home ownership doesn’t have to be wearisome. There are clear pathways to this dream, and if you manage your credit well there is a way to gain a traditional mortgage at a low interest rate too!

It is wise to Google what programs are available where you might reside, and to check within our own district in particular. There are various programs that can really encourage Canadian families who want to own their own home. The following below checklist can help you get organized and gain easier approval for one of this bridge programs as well:

  • Make sure your income is 3 times the monthly mortgage costs of a home you want
  • Have a clean banking record for the past 3 months
  • Be prepared to have past rental references
  • Have personal references on hand
  • Have your past years taxes available
  • And have a budget in place