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Employer Beware: Why Temperature Screening Should Not Be Used
Saving Lives vs Saving the Economy: Getting This Wrong Could be Devastating
Many are asking, what is worse, the treatment or the cure as Covid-19 continues to devastate economies around the globe. This is an answer we cannot afford to get wrong and it is critical that we don't fall prey to converse errors as we weigh our options.
Covid-19 Grant and Loan Programs for Canadian Small Businesses
In this live article we will be posting information on different financial assistance program, including grant and loan programs for Canadian small businesses, as information becomes available.
Tax Simplification Suggestions
This article contains suggestions to simplify and improve our tax system. Hopefully our political leaders will wake up to the fact that our tax system is too complicated and needs to be simplified.
Budget 2016: Broken Promises, Nothing for Small Business
Yesterday's budget broke the promise the Liberal government made to keep in place the previous government's plan to reduce the small business tax rate to 9 per cent over three years and also failed to include a single item to directly support small businesses. So just what is in Budget 2016 for Canadian small businesses?
Canadian Business Financing: Grants and Loans for Young Entrepreneurs in Canada
Accessing capitals can be a frustrating process for young entrepreneurs with a great idea, but little chance of securing a traditional loan. This article lists grant and loan programs for young Canadian business owners.
Write-Off Your Healthcare Costs
There are several little-known ways for Canadian businesses to save money. This article explains how you can legally write-off qualifying healthcare expenses.
Selling Your Business? Here are 4 Things You Need To Do To Get Top Dollar
Before you sell your business, you’ll want to do everything in your power to position your enterprise as the most valuable investment possible.
New Financing Option for Start-Ups in Canada
Effective today, Canadian start-ups and some seasonal businesses will have access to a new financing source: Revenue-Based Financing. Here's what you need to know.
The New $5 and $10 Polymer Notes Are Coming in November
Canadian merchants need to get ready for the snappy new polymer $5 and $10 bills coming this fall.
The Economics of Good Financial Advice
These five tips will help you determine whether you are getting the best financial advice and support for your business.
Self-Employed and Contract Earnings: How-To File Your Personal Tax Return
Did you earn income outside of your regular day job in 2012 that won't be reported on the T4 from your employer? This article explains how to declare your contract and/or self-employment income on your 2012 tax return.
Another Option to Finance Your Innovation and Growth
Due to the changing landscape of government grant and loan programs, it may make sense for your business to consider using a consultant to help access funding programs.
Opportunities for Small Businesses, Retailers from Near Field Communications (NFC)
Andrew Kinnear of Aimia shares insights into what near field communications (NFC) is and how it is impacting Canadian retailers, allowing people to use things like mobile phones and loyalty programs to interact in more robust ways.
Trends Impacting the Way Canadian Restaurants Accept Payments
How are changes to the way businesses accept payments affecting the restaurant industry in Canada? Justin Taylor of the Canadian Restaurant Food Services Association talks about trends and changes that are impacting restaurants.
Crowdfunding: The Power of the Crowd
Crowdfunding allows geeks, innovators and artists to connect with the online public to get products and ideas funded. Here is a run-down of this innovative new funding source, from a Canadian perspective.
Overcoming Barriers to Innovation, Business Growth
In this 3-part interview with entrepreneurship expert Rick Spence we explore ways small and medium sized businesses stay competitive and grow their companies. This first installment tackles what is often the biggest barrier to growth: financing.
Innovation funding for smaller companies threatened as PMO signals discontent over SR&ED program
Small and medium-sized companies in Canada that access SR&ED tax credts need to know that major changes to the program may be coming based on the "Jenkins report", which was created by a six person panel that lacked SME representation.
Bullies in the Boardroom: How to Handle Difficult Clients [Part 1]
All small business owners have come across client bullies, whether they demand more than what they are paying for or cause problems when it's time to pay their bills. In this first article we look at behavioural management strategies that can help you handle clients who don't play nice.
Cash Flow: The Lifeblood of Every Small Business
Connie Certusi from Sage Small Business Accounting Solutions suggests ways to properly set up cash flow for small businesses.
Stay Afloat With Positive Cash Flow
Profits on paper won't sustain your business. But positive cash flow, the lifeblood of any company, will.
A Guide to Expense Deductions in Your Canadian Business
The federal government's rules for tax deductions for businesses are not always clear-cut. Here, we help you navigate around some of the stickier ones.
10 Tips on Managing Your Cash Flow
Read chartered accountant Jeffrey D. Sherman's tips on how to better manage your business's finances.
Federal Program Offers Incentives to Businesses to Go Green
If you're thinking about implementing energy-saving projects, then you'll want to act now before this federal program wraps up in early 2011.
Pitching Your Business Idea to Angels & Venture Capitalists
When you reach the point where you need equity capital to finance the implementation of a business idea, opportunity or growth plan, it is important to perfect your pitch.
Small Business Week Special: Cashflow Management
Cash-flow management is at the heart of every business, and that's doubly true in the rough and tumble world of retailing.
Seven Tips to Keep your Cash Flow on Track
Like it or not, the HST must now be charged on most sales in Ontario and BC. The new tax will affect business systems and more importantly, it may impact your cash flow.
HST Primer: What Businesses in Ontario and British Columbia Need to Know
If you are a business in Ontario or B.C., HST takes effect on July 1, 2010 whether you like it or not. This comprehensive, plain-language guide will help you manage the transition.
Asset & Property Financing with the Canada Small Business Financing Program (CSBF)
The CSBF is a government supported leasing and loan program that could help your business.
Small Business Financing in Canada: Show Me the Money!
Need money? Here are some of the most important sources of financing for start-up and growing businesses in Canada.
An In-Depth Guide to Personal Health Spending Plans (PHSPs)
Learn how PHSPs and HSAs can save you money on your healthcare expenses.
Accounting 101: Understanding Operating Leases
Should you lease or buy? This primer will help you understand the ins and outs of operating lease financing.
Using Paypal for Business
Darrell MacMullin, general manager of Paypal Canada, explains how businesses can get the most out of Paypal's merchant services and also offers insights into new technology designed to improve the safety of online transactions.
Is the Credit Crunch Easing for Small Businesses?
While large corporations are falling under pressure, is the small business sector making a recovery?
Keeping Your Cash in an Economic Downturn
Times are tough. These tips will help you keep cash in the company coffers.
What is Factoring?
This simmple primer explains the ins and outs of factor financing.
Tax Free Savings Accounts: What You Need to Know
Learn how the new Tax Free Saving Account (TFSA) can help you grow your net worth without paying tax on the interest of your portfolio.
Setting Prices Based on Value Attracts Better Customers
If you want to become more profitable while finding it easier to source and retain clients, it may be time to consider a value based pricing model.
Do the Key Performance Indicators (KPI's) You're Measuring Say Anything about the Value of your Business?
To identifying the value of your business, reviewing your financial data is just not enough.
Goodwill can increase your business' value
The level of business goodwill that your company possesses, can mean the difference between selling for a large profit or just being able to break even.
Coaching Your Controller: Part II
In Part II of Coaching your Controller James Phillipson explains how you can find the time to implement the six steps of improvements that were laid-out in Part I.
Using Gift & Loyalty Card Programs to Grow your Business
With annual sales estimated at $95 billion for 2007, gift and loyalty cards are a marketing tool you can't afford to ignore. Read on to learn how you can implement an effective gift and loyalty card program in your business this holiday season.
Selecting a Payment Processing Vendor: 17 Essential Questions
In the market for a payment processing provider? We show you everything you need to know before selecting one that's best for you.
Individual Pension Plans (IPPs): the Benefits and the Drawbacks
Individual Pension Plans have the potential to add millions to your retirement savings, but set things up incorrectly and you could see your savings wiped out or worse. Here is a closer look at this increasingly popular savings option.
Economic Growth Expected in 2007
Canada's economy is looking forward to growth in 2007 and an even rosier 2008 says the latest RBC economic forecast.
Catching Counterfeit Cash
In the busy retail season it is important to ensure that your staff are trained to identify counterfeit currency. A process that may, in fact, be simpler than you think.
Financing Basics for New Entrepreneurs
What are your options for borrowing money to finance your business — particularly for sums under $100,000? Stanley Kershman helps us separate the myths from the fiscal realities of small business financing.
A Consumer Credit Rating Primer
What you don't know about credit ratings could hurt you on both a personal and business level. In this interview we asked Ken Porter, President, TransUnion Canada to explain the fundamentals of credit ratings.
Share Your Profits Not Your Business
When Ronnie gave his employees a share of his business he was hoping to build loyalty and motivate his staff. The results were not what he expected and provide a good backdrop to consider the benefits and risks of giving away a portion of your company.
Help! What Taxes Must I Pay?
Just started your business and baffled about how to tackle your taxes? Use this quick Q&A guide to get a basic handle on what taxes you have to pay, how to pay them and when.
Ask for Your Money or Fail!
If you dislike nudging slow paying customers, you had better get over it or you may have to get out of business. Here are some effective ways to rein in overdue accounts.
Accounting 101: Rule of Thumb Valuations
How much is that company worth? Rule of thumb valuations may get you into the ballpark, but you also need to watch out for the pitfalls.
Setting up a Group RRSP
As a small business, having a group RRSP for your staff is one way you can compete for and retain talent. Here is an in-depth look into how you can get one started in your business.
Valuing Privately Held Companies
What dictates the value of a company? This article looks at different factors that valuators consider when doing a valuation of a company.
The Ins and Outs of Business Credit
This month we take a look at the business credit report. What's in it, and how can you use it to help you make better decisions?
Successful Techniques for Generating Increased Sales
Boost your sales by following these five simple and proven steps. Start using them today and you'll see an immediate increase in your business.
Getting Paid
How can you ensure that your customers will pay? These tips will help.
Watch Out for Wishful Sales Forecasts
Don't let hockey-stick projections get in the way of attracting investors in your business - or worse, invest your own hard-earned savings in a picture that may be too good to be true.
Employees and Profits: How to Increase the Bottom Line
Keeping your employees happy has a direct impact on your profits. The more satisfied they are, the more likely they will be to work hard and use their time well. The key to this happiness is a simple two step process that you will find here.
Twenty Months to Prosperity and Peace of Mind
Pay yourself first. It's a concept that investment gurus promise is the key to securing your financial future. This month Paul Adams looks at how this concept can work for your business.
Equity Financing: Creating a Powerful Elevator Pitch
As the elevator doors close you find yourself standing next to a potential investor. Are you prepared? Here's how you can create an elevator pitch that wil grab their attention.
Inventory Turnover: Is your Annual Bonus Sitting on the Shelf?
Here is a tool of the pros that can help you boost your profits - check your inventory turnover.
Some Entrepreneurs Lack Financial Skills.
If you are in business, you need to read and understand your financial score sheets your income statement and balance sheet- the basic money documents of business, entrepreneurship and capitalism.
Entrepreneurship: Used Business for Sale
Are you thinking of buying someone else's business? Read this before you sign on the dotted line.
Business Sense A Budget is a Road Map to Success
Paul Adams provides you with some compelling reasons to keep a regular budget.
Business Sense - Starting a Business, Need money? Be Careful Where You Get It.
If you are looking for an angel to invest in your venture, be cautious, you may be getting more than money as most investment dollars have strings.
Steps to Survival - Step Two: Be a Miser! Hoard every Dollar!
This month Paul Adams looks at how to conserve your cash without taking on more debt.
Practical Ways to Get Paid as a Canadian Exporter
Collecting money from a foreign buyer is one of the biggest concerns for every exporter, big or small. Different rules apply when doing business abroad, and getting paid is no exception. Options exist, but some methods work better for the exporter while others benefit the buyer.
The 12 Steps to Entrepreneurial Success: Manage Your Money, Your Most Important Asset
If money management is not your top talent, don't toss your business plans aside, learn to master it. Knowledge, curbing your spending impulses, patience, and the fear of failing may do it for you. Here are some general rules of successful cash management.
Cash Flow Projections, Controls, Key To Surviving Early Stage Growth
When capital dries up, your monthly cash burn can put you on the road to insolvency. What can you do to turn things around if you find yourself in this situation? Read on to learn how cash flow projections and controls can help you survive early-stage gro
Cash Flow Projections, Controls, Key To Surviving Early Stage Growth
When capital dries up, your monthly cash burn can put you on the road to insolvency. What can you do to turn things around if you find yourself in this situation? Read on to learn how cash flow projections and controls can help you survive early-stage gro
Cash Flow Projections, Controls, Key To Surviving Early Stage Growth
When capital dries up, your monthly cash burn can put you on the road to insolvency. What can you do to turn things around if you find yourself in this situation? Read on to learn how cash flow projections and controls can help you survive early-stage gro
Accounting 101: Balance Sheet Basics
If owners equity calculations send your head spinning, read on for a clear understanding of balance sheet basics for small business owners.
Accounting 101: Calculating Financial Ratios
This month we're digging into the books as we look at the ratios most commonly used by the bank to assess your credit application.
Understanding Financial Statements
financial statements, money, accounting, loans, financing, banks, lenders, applications, Income Statement, Balance Sheet
Understanding the Banker's Formula: Part II
Understanding how to secure financing from the bank is not an obvious or simple task. In this article we look at common balance sheet mistakes that can stop you from getting the credit you need to grow your business.
Understanding the Bankers' Formula
How can you improve the odds of securing credit from a bank? In this article we look at factors that affect your ability to secure debt financing.
It Isn't Over Till You Get Your Money
In business, if you can't collect, you won't survive. In his latest column, author and business guru Paul Adams outlines important strategies that will enable you to convert your invoices into liquid assets.
Understanding the Angels: An In-Depth Look at Angel Financing
Angel investors: they may seem like a god-send, but what does it take to reach a deal? And what are some of the things that one can expect after a deal is signed? Read on to find out what it takes to reach a winning deal.
Sales and Expense Reports are Vital to Your Success
Dr Paul Adams suggests ways to manage a sales force to succeed for your business.
Bookkeeping...Why Bother?
Despite the hassels there are many excellent reasons to make bookkeeping a priority. Read on to find out why you should not procrastinate when it comes to keeping your company's accounts.
Should Small Business be Cautious of Incubators? Part I
Is an incubator the answer to all your business' needs, or is it not much more than media hype? Read on to find out more about incubators, and how you can find the right fit for your company.
Should Small Business be Cautious of Incubators? Part II
The second section of this two-part article looks at questions you should ask before signing on the dotted line with an incubator, investor or venture capitalist.
Equity Financing: Understanding Venture Capital
Discover the ins and outs of venture capital investments, and learn how this form of financing could potentially powerdrive your business.
Ten Ways to Think Money-Smart
Ten tips designed to help you handle your money.
Accounting 101: The Current Equity Report
This simple calculation is a handy way to tell if your business is making money.
Accessing Government Funding in Canada - Page 6: Know Your Environment
The final consideration when seeking government funding requires an understanding of the environment you are working within.
Accessing Government Funding in Canada - Page 5: More Assessment Criteria
A continued look at government funding, and the importance of assessment criteria if you are looking to obtain government funding for your business.