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.
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
Investing in currency can be a very stable and lucrative way to work your investment portfolio. Take note though that it does come with risks. Many misconceptions exist around how to do currency exchange investing. Continue Reading
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.
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
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
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:
Guaranteed investment certificates (GICs) are an investment made by a person to a financial institution. At the end of term, the investor receives their principal investment back as well as any interest earned. Here are 5 reasons to invest in GICs as opposed to other options such as stocks or bonds.
Today, there are multiple ways to file your small business’s taxes. You can use an online program to file them yourself or you can head over to H&R Block. Though these might be inexpensive ways to do your taxes, they certainly aren’t the most effective. At worst, they can be financially devastating.
In Ontario, the provincial government has introduced the Small Business Innovation Challenge (SBIC) to support the growth of high potential, small-to-medium sized enterprises (SME’s) who are focused on technology driven innovations. Small-to-medium sized enterprises are those with less than 500 employees
This Challenge is designed to encourage and engage start ups and other small businesses to solve public sector challenges by providing the small-to-medium sized enterprises with opportunities to develop, test and demonstrate their products. It is geared towards increasing commercialization opportunities through direct funding support (small business grants) and allows for demonstration opportunities to prove the value of the innovations.
These small business grants are implemented through a two-phase process. Continue Reading