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How Do SRED Credits Work: Frequently Asked Questions

You might have heard about a Canadian tax incentive program, SRED, and you might even have been told that SRED stands for Scientific Research & Experimental Development.

You think this sounds interesting, but you might have a few questions. How do SRED credits work? Does my work qualify for the SRED tax incentive, and how can I file and submit my claim? Continue Reading


6 Tips When Getting Car Insurance for the First Time

Getting a car for the first time can be a very transformative experience. It gives you the freedom to explore at your own leisure, and can be catered to your personal preferences in more ways than one. However, it may be best to also thinking about getting car insurance along with the vehicle purchase.

As a requirement for any driver, getting car insurance insurance can be a tricky situation to properly navigate. This is especially true when you are getting car insurance for the first time. There may be relevant details unique to your circumstances that require consideration. You need to think carefully about the type of car insurance you’re getting.

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How to Finance a Second Home Easily

Are you looking to buy a second home? There are many reasons to do so and property is always a good investment, especially in Canada. Maybe you are looking for a getaway in the mountains or by the lake where you can escape for the holidays with family and friends. You may want to buy an investment property or a condo for your children as they leave the nest. Continue Reading


3 Ways You Can Save Money When Hiring a Locksmith

Most people dread havin a need to call a locksmith. However, a visit from a professional during a lockout or when upgrading security features does not have to break the budget. The following three tips will help you save money when using a locksmith’s services. Learn more information and find additional resources at the Bee Safe & Lock website.

1. Keep a spare car key.

For those who own the most modern vehicle models, losing a car key requires more than it did in the past. Current vehicles have keys that include high-tech features like a transponder chip or fob. Push-to-start ignitions involve even more technology as they operate based on promixity. Repairing or replacing the latest technology often comes with a much higher pricetag. Vehicle owners can cut costs by keeping a spare copy of their vehicle’s key. In the event of an emergency, the locksmith can duplicate the key at a much lower cost instead of creating an entirely new key altogether. If a vehicle comes with a fob, the driver can purchase a replacement and have a locksmith program the new fob at a lower cost than obtaining a fob from the dealership.

2. Purchase your own materials.

When changing or installing locks in a home or other building, the cost of hiring a locksmith to supply labor and materials can add up quickly. Lock manufacturers will often sell to the public at wholesale prices. By purchasing the desired style of lock directly from the manufacturer and leaving only the installation to the professionals, you can cut costs while still having the same high-quality, durable lock from a reputable brand installed correctly.

3. Have a lock rekeyed.

A less expensive alternative to replacing a lock is to have a lock technician rekey the pins inside the lock. Rekeying means the same lock will require a new key; however, there is no need to replace the hardware. New homeowners frequently request rekeying service to allow them to feel safe without purchasing brand new locks for all of exterior doors throughout the home.

Locksmiths play a critical role in keeping our homes and vehicles accessible to us and secure from intruders. There are always ways we can cut costs by sourcing our own materials, evaluating effective, budget-friendly alternatives, and investing in an ounce of prevention before an emergency arises. Sometimes an emergency may call for immediate service from a lock expert. Nevertheless, it is generally best to evaluate all options prior to contacting a technician.


8 Easy Tips to Live a Debt Free Lifestyle

You can live a debt-free lifestyle by applying a dash of creativity, knowledge and discipline. Debts tie up your finances, cornering you into a trap and restricting your lifestyle. Over time, the constant pressure of debts can invade your health with complications such as high or low blood pressure. It can also compromise your relationships.

Get rid of debt and live the life you deserve! Below are eight tips to help you live a debt-free lifestyle: Continue Reading


10 Best Ways on How to Invest for Retirement

How is your retirement planning coming along? If the answer is anything less than excellent, then it is time to examine closely on how to invest for retirement. Are you meeting your investment goals? Is your nest egg coming along fairly well? Have your expectations for your senior days changed? Continue Reading


Why File For Bankruptcy: 9 Reasons It Makes Sense to Go Bankrupt

Hundreds of thousands of Canadians file for bankruptcy every year. It is never a decision you can make lightly. Is it something you should consider doing? It really depends on your situation and how you became indebted in the first place. There isn’t a one-size-fits-all answer, but there are factors that can help you decide if you should declare bankruptcy or try to move full steam ahead by paying down your obligations.

If you are asking yourself: “Why file for bankruptcy?”, here are nine reasons why it makes sense to go bankrupt:

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