Gman Bradford
9 Holland Street West L3Z 2B9 Bradford, ON, Canada

Are Negative Interest Rates the Right Way to Go? This past several weeks there's been so much talk on negative interest rates throughout the globe in hopes to help disinflation and it's not working. The US Fed is now rethinking any rate hikes for this year, Bank of England is looking at lower rates to zero...Are we heading into a global recession? "there’s very little in the way of conclusive evidence that negative rates in and of themselves are the solution to deflation."

We are always Thinking Outside The Box: As we have established that there is a huge benefit to using our services over the competition: Here's just a sample of how we help you get approved... 100% use of return to work income (Maternity leave) Rental offset of 85% for non subject properties (with no minimum number of rentals in order to use the worksheet (Any Surplus can be added income or any deficit is as a monthly liability). The ability to place a rental property under the name of a company holding name (holding company that is non operating). The use of CTB (child tax credit) for income as long as the children are 12 years or younger. Purchase Plus available on purchases for primary and second home . Refinance plus also available on both these properties. Refinances, port, port/increase allowed on existing variable rate mortgages. Permanent part-time\Renewal contract income with deductions may be used without the need of a 2 year history Call us today 905-778-8100 and start saving thousands on interest payments We Think Outside The Box Giuseppe Strazzeri Mortgage Agent Lic#M08009255 Dominion Lending Centres Service First Mortgages www.timetolend.com 905-778-8100

Are you in the market for a rental unit, we have several Rental Programs to meet your needs: Conventional Rental Program Details Up to 80% LTV 1-4 Units Subject Property Rental... Non Subject Rental Condo’s are permitted (max mtg amount is $600k) Refinance max is $200k HOLDING COMPANIES ARE PERMITTED!! High Ratio Rental Program Details.... Up to 85% LTV 5+ Units HOLDING COMPANIES ARE PERMITTED!! Up to 40 years with premium surcharges for amortizations > 25 years. Call us today for more details: Giuseppe Strazzeri Mortgage Agent Lic#M08009255 Dominion Lending Centres Service First Mortgage www.timetolend.com 905-778-8100

Royal Bank of Canada raises rates on new mortgages starting Jan. 8 Royal Bank of Canada is set to raise rates on several of its mortgages, the latest in a series of changes to the mortgage industry that could help cool the housing market this year. Starting Friday, the bank said it planned to increase rates on fixed mortgages of between two and five years by 10 basis points. (A basis point is 1/100th of a percentage point.) RBC’s five-year variable rate will increase by 15 basis points. http://www.theglobeandmail.com//rbc-set-t/article28028210/

Your Mortgage Penalty is How Much!!!! In this declining interest rate environment, I am receiving many questions from customers who want to break the terms of their existing mortgage to take advantage of the new lower rates. However, it is important that customers are aware that Interest Rate Differential (IRD) compensation may result. Lets assume the following:... $100,000 5 year fixed rated mortgage Rate = 6.5% Mortgage Broken after 3 years Prevailing rate = 5%* (posted rate for the closest remaining term minus the most recent discount) IRD = 6.5% - 5.0% =1.5% Remaining Term = 2 years IRD Compensation = $100,000 x 1.5% x 2 years = $3,000.00 (equal to the Bank’s lost revenue) Given today’s market conditions, some IRD amounts will be much greater than anything we have seen in the past. Further, when interest rates change, IRD compensation rates will also change, so it is important that customers act quickly once they have made the decision to discharge their mortgage. Customers who have decided to discharge their mortgage can request a formal discharge statement for information purposes only, via their own solicitor or they can order one directly from the Institution they are with. Remember to request this information in writing. When determining the comparison rate, some lenders round up your remaining months to the next longest term. Some round down. The Interest Act prohibits IRD penalties on terms over 5 years, after five years has elapsed. In such cases, a maximum 3-month interest penalty may apply. For example, someone who has been in a 6-year mortgage for 60 months or more would pay a 3-month interest penalty (maximum) to break it before maturity. A small number of lenders prohibit breaking a mortgage earlyregardless of the penaltyunless in the case of an approved bona fide sale. The moral: Always contact your lender directly for an exact penalty quote. Have a question or comment? Write to me: [email protected]

Canadian Jobs Data Weak As Expected Another data point for @bankofcanada to consider says @DLCCanadaInc's Chief Economist @DrSherryCooper http://ow.ly/PrlEg

Acquisition makes us largest mortgage originator in Canada: DLC CEO Gary Mauris, President and CEO of Dominion Lending Centre talks to BNN about his company's acquisition of Mortgage Architects http://www.bnn.ca/Video/player.aspx?vid=781290

Will we see another rate cut from the Bank of Canada? with GDP numbers lower than expected and 4 straight months of declining economic output has caused concerns that Canada may be in a recession. The next Bank of Canada Interest rate announcement will take place on July 15 2015.... http://www.huffingtonpost.ca//interest-rate-bank-of-canada

NO MORE 100% financing utilizing 5% cash back!!! LIMITED TIME OFFER 5 year Fixed rate @ 2.44% Lately there has been much talk regarding a rise in interest rates. It's been speculated that rates will increase by September pending market and world conditions. Just yesterday one lender has already started the trend of raising the 5 year fixed rate to 2.89% up 20pbs, will this be short lived or is this the trend moving forward?... Check out the Time To Lend Post reflecting some changes to high ratio mortgages coming to affect shortly.... For a limited time only we are offer a rate of 2.44% for a 5 year fixed rate OAC., this offer ends June 30 2015...GET YOUR APPLICATIONS IN TODAY...this rate will apply for new purchase or refinances. Call us today 905-778-8100 and book your appointment, we have evening appointments as well. Like our page at www.facebook.com/timetolend and keep up to date on rates and market information. Building, Improving and Securing Credit through safe, secure and affordable solutions. Mortgage Agent Lic #M08009255 Service First Mortgages Dominion Lending

Types of Liens and What They Mean to You Over the course of a mortgage transaction there are a number of different liens that can arise. We invest time in performing preliminary searches on Properties before submitting the mortgage application to the lender to avoid issues, that often come up on closing. Some liens are much easier to overcome, but on the other hand, depending on the lender, the type of lien or even the mere presence of a lien can significantly impact your com...mitment for financing. Let’s review some of the different types of liens that commonly come up: Tax Liens CRA liens can be a huge problem. A bank may refuse to fund without proof the tax debt is paid (even if there are proceeds in the mortgage to pay the tax debt). In addition, sometimes a tax lien can total more than the equity available in the house. The only saving grace is that if the tax debt exceeds the equity available for financing and your lender is a higher risk lender and not a bank it is possible that you can negotiate a lump sum payment to CRA on behalf of your client for a postponement so that they allow your mortgage to go on title in front of their lien. Construction Liens - A Construction Lien is also known as a Builders' Lien. A Construction Lien is a risk management tool a contractor can use to protect themselves on a job site. This type of lien is typically used when a contractor is not receiving payment on a job or installation that helps to improve the land. Condo Liens If a client gets behind on their condo fees or for some other reason owes the condo corporation money and hasn’t paid the condo corporation can put a lien on the condo. Condo liens can typically be overcome by paying the debt. Condo liens are less impactful to a mortgage closing than a tax lien. Property Tax Liens Much like condo liens, property tax liens can be applied when property taxes or water bills are not paid. Unlike tax liens, the likelihood of obtaining a postponement related to property taxes are slim to none and property tax liens can actually supersede the lien related to the first mortgage. The best way to overcome a lien on a property is to uncover it quickly. You can search encumbrances on a property to learn about liens as well as any other registered encumbrances. Discovering a lien even before your application is submitted to a lender for financing allows us to help you come up with solutions to resolve this issue. To you this could mean the difference between securing financing or not and can even result in you paying a higher interest rate and cost to borrow. We go that extra step to investigate your application to ensure a quick and seemless close. For further information on how to obtain a free property search we can be reached at 1-888-693-1439 or email us at [email protected] Building, Improving and Securing Credit Through Safe, Secure and Affordable Solutions Lic #M08009255 #savings #loan #FSCO #mortgages #timetolend

Effective June 1, 2015, CMHC, Genworth and Canada Guaranty will be increasing the mortgage loan insurance premiums for homeowner loans in the 90.01% to 95.00% loan-to-value (LTV) range for standard properties. See Table below

What would get renters to switch to Home ownership? Does this US stat hold same for Canadians? 94% of renters under the age of 34 have a strong desire to own a home The most popular response among the entire renter pool NAR surveyed may shed some light: fifty-three percent say they can’t afford a home, and 19 percent favor the flexibility renting affords them right now.... http://news.buzzbuzzhome.com//us-renters-own-home-survey.h Thinking of buying a home? Let's get you approved and settled. We Think Outside The Box Giuseppe Strazzeri Mortgage Agent Lic#M08009255 Dominion Lending Centres 905-778-8100 www.facebook.com/timetolend

Besides doing Residential Mortgages here are other forms of Realestate we can finance: Apratment Building Automobile Dealerships Bars Churches... Factories Franchises Gas Stations Hi-Rise Development Hospitality Properties Hotels Industial Buildings Inns Malls Motels Offices Plazas Private Schools Raw Land Residential Condominium construction Residential Lot Servicing Restaurants Retail Properties Rural and Vacation properties Construction Financing Vacant Land Contact us today to save THOUSANDS of $$$$ 1-888-693-1439 Building, Improving and Securing Credit Through Safe, Secure and Affordable Solutions Lic #M08009255

A New Mortgage Opinion Poll Mortgage Professionals Canada (formerly CAAMP) surveyed 2,000 homeowners from across the country. They were asked about their mortgage experiences and choices. Here were 10 of the top findings: 9% actually borrowed from another debt source to make a mortgage payment!... The vast majority of Canadians are comfortable with their mortgage amount 1 in 5 plan to defer their retirement because they will still be in mortgage debt. 45% say they would not have been able to make the down payment they did without outside help. If Ottawa raised the minimum equity to 10%, 7 in 10 said they could afford a down payment that big. 6% of mortgage-holders admit to stretching the truth on their mortgage application. Click on link to read http://www.canadianmortgagetrends.com//mortgage-opinions.h

Don’t miss out on this crazy low rate offering and cost savings!!! New applications only Rate Special 2.49% 5 year Fixed rate. At Dominion Lending Centres we know that different people need different things in a mortgage. We offer homebuyers access to rate information and mortgage options from a wide range of lenders, including most of the major banks and lending institutions. We have an outstanding range of mortgages and lenders available to help you build the mortgage blu...eprint that fits your financial future. We are please to announce due to volumes we are passing along a rate special for a limited time only OAC. Today’s special rate is 2.49% and to add our partner has agreed to cover LEGAL FEES AND APPRAISAL COSTS for those looking to purchase a new home within the next 60 days. We have other product specials for 1 year, 2 year, 3 year and variable products as well. Don’t miss out on this crazy low rate offering and cost savings. For more details and to see if you qualify call us at 905-778-8100

Merchant Advance in a nut shell The decade-old industry has grown significantly in the past two years and the tight credit environment is fueling demand. Cash advance providers offer businesses a lump sum payment in exchange for a share of future sales. They mostly target retail, restaurant, and service companies that have strong credit-card sales but don't qualify for loans because they have bad credit or little or no collateral. Merchant cash advance companies take pains to... point out that advances are not loans; instead, the deal is a "purchase and sale of future income." Instead of requiring regular fixed payments, they directly collect a set percentage out of a merchant's daily credit card sales until they recover the advance and their premium, usually in fewer than 12 months. Advance providers say businesses benefit because the amount they pay varies with their cash flow, so they pay less in slower months. When a business takes a loan, they have a firm date that it has to be repaid; they have fixed payments that have to be made on a schedule in a merchant cash advance, there is no due date, there is no fixed payment. We're your "One Stop" Financing Source, all forms of equipment, big or small. We also provide Mortgage financing Lic #M08009255 Let us help you grow your business, as we all know Business Grows when cash flows. Call us today 1-888-693-1439

Auction Sales Going to an auction and don’t have your financing arranged? Let us provide you with the buying power to win that next bid. We have a pre-approval process that many of our auction clients have used for years and it has worked great. We get you pre-approved for the amount of money that you want, you go and bid on the equipment and if you win the bid all we need is an invoice from the auction house and we can proceed with express documentation to get you your equipment. If for some reason you don’t win that bid, you have the option to use your lease line of credit to purchase the equipment you want elsewhere. For example from a dealer or a private seller. Our pre-approvals are free of charge and good for 90 days . Contact a us today and we will be happy to walk you through the pre-approval process. 1-888-693-1439

Glad Rob and Alyse from Shutterfotos dropped by yesterday for the Virtual Tour shoot. If you have a business in Bradford this program is paid by the Town of BWG and used to help business in our downtown core receive more exposure on Google. You get a virtual tour posting along with 10 additional photos to use for your advertising on other medias. It's Free to downtown merchants thanks to the Office of Economic Development. You can register for your virtual tour shoot at the l...ink below, you must be located in the downtown corridor of Bradford West Gwillimbury. http://shutterfotos.ca/applybradford/ Can't wait to see the finished product.

Great insights from @DLCCanadaInc Chief Economist @DrSherryCooper on July's employment data https://dominionlending.ca//canadian-jobs-all-part-time-u/ The debate over whether Canada is in a full-fledged recession will continue. Certainly, the economy contracted in the first half of this year, but consumer spending and housing are still robust, which will likely continue until interest rates start rising. Growth this year will be no more than 1.2 percent, so rate hikes by the Bank of Canada are off the table and additional rate cuts cannot be ruled out.

Is social media making us smarter? Are we becoming more aware of our vocabulary? Great article. https://www.linkedin.com//20141203134446-20017018-40-incor

Variable vs. Fixed Interest Rate Whether you’re applying for a mortgage for the first time, or are a seasoned homeowner preparing to renew, feeling comfortable with your choices is an important part of the mortgage selection process. One of the key considerations is whether a fixed interest rate mortgage or a variable interest rate mortgage may be right for you. We explain a few of the key differences.... Fixed interest rate mortgage What this means: This type of mortgage is a loan for which the rate of interest is fixed over a specific period of time (the term) and will not change. Benefits: For many, the biggest benefit is peace of mind, since you can be certain that your interest rate won't increase during the mortgage term you select. Important to know: Whatever happens in the financial markets or with interest rates, your agreed-upon rate stays the same. Variable interest rate mortgage What this means: This kind of mortgage has an interest rate that may fluctuate up or down during the term, whenever the base rate changes. Benefits: If the base interest rate goes down during the term, you could pay less in interest than with a fixed interest rate mortgage. Important to know: Some mortgage options may allow you to convert to a fixed rate during the term if, for example, you are concerned that the base rate may begin to climb. Keep in mind that there’s much more to choosing the right mortgage than rates alone. Having access to flexible mortgage features and repayment terms can be valuable in many ways, and even help save you money over the span of your mortgage

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How to Correct Errors and Check for Fraud Check your credit report at least once a year for errors and signs of identity theft. Think of it as an annual checkup for your financial health! You have the right to dispute an information on your credit report that you believe is wrong. You can ask the credit reporting agencies to correct errors. it's FREE... Watch out for: mistakes in your personal information, such as wrong mailing addresses or incorrect date of birth. errors in credit card and loan accounts, such as a payment you made on time that is shown late. negative information about your accounts that is still listed after the maximum number of years it is allowed to stay on your report. Why do errors matter? They may give lenders the wrong impression. You could be turned down for an application or receive a lower credit score than you should have. Even errors that seem minor, such as a misspelled name or a wrong address, could cause problems when you apply for credit. What cannot be changed? You cannot change factual, accurate information related to a credit account. For example, if you missed payments on a loan or a credit card, paying the debt in full or closing the account will not remove the negative history. Negative information will only be removed after a certain amount of time. Watch out for "credit repair" companies that claim they can eliminate negative information, for a fee, before the date it would normally be removed from your credit report. This is not possible. Call us today for a FREE credit report consultation at 1-888-693-1439 Building, Improving and Securing Credit through safe, secure and affordable solutions

Part 2 Hotel Financing Program - Furniture, Fixtures & Equipment Financing. BENEFITS OF LEASING YOUR FF&E... Lease financing is quickly becoming the preferred method for most businesses to acquire IT equipment. Read on to find out why: Today’s competitive business environment, together with rapidly changing technology, and need to preserve working capital has made leasing the most attractive method for organizations to acquire capital assets. Buy what appreciates..Lease what depreciates Our leasing program will allow you to avoid issues associated with technology obsolescence, declining equipment values and most importantly preserves working capital. Term and Payment Flexibility: No two businesses are alike; and leases can be structured to suit your unique requirements. This means that the term and frequency of payments can be customized to suit your business cycle. Cost Justifiable: It is very easy to determine the cost/benefits associated with leasing equipment. Simply divide the monthly or quarterly lease cost by the number of days the equipment will be in use. You will quickly see how the day-to-day advantages of using the equipment are related to the lease payment. Self Financing: When you use lease financing as a method of equipment acquisition, you inevitably make your lease payments from the dollars generated by your business. In this sense, the equipment that is used to help generate revenues pays for itself. Expenses are matched to revenues. Payment Convenience: Keeping track of payment due dates is simplified when you take advantage of the Pre-Authorized Payment Plan. Not only does this direct-debit method cut down on your paperwork, it reduces the incidence of late payments and charges as well. Tax Advantages: Lease payments are tax-deductible, subject to Revenue Canada guidelines. This means that by leasing instead of using a loan or paying cash, you can reduce the amount of tax that you pay. Be sure to speak to your tax advisor about this important area. LEASING IS YOUR BEST FINANCING ALTERNATIVE! MAXIMIZE & INCREASE CONTROL OVER YOUR CASH FLOW For more details call us to day to discuss your financing options 1-888-693-1439 Building, Improving and Securing Credit through safe, secure and affordable solutions

Hotel Financing Program - Furniture, Fixtures & Equipment Financing. BENEFITS OF LEASING YOUR FF&E Lease financing is quickly becoming the preferred method for most businesses to acquire IT equipment. Read on to find out why:... Today’s competitive business environment, together with rapidly changing technology, and need to preserve working capital has made leasing the most attractive method for organizations to acquire capital assets. Buy what appreciates..Lease what depreciates Our leasing program will allow you to avoid issues associated with technology obsolescence, declining equipment values and most importantly preserves working capital. Ease of Acquisition: Once you have selected the appropriate equipment, the acquisition simply becomes a matter of affordable monthly or quarterly payments. 100% Financing: Lease financing is 100% financing. This means that hardware, software and any extras that are needed to operate the equipment can be financed, enabling you to walk out the door with a Total Solution. 100% financing is not typically available from banks. Preserves Existing (and future) Credit Lines: Lease financing enables you to acquire the products you need, without tying up your existing or future bank credit lines. For companies that require short term borrowing capabilities, lease financing can be a tremendous advantage. Ease of Budgeting: Unlike bank financing, which is often subject to fluctuations in interest rates, lease payments are fixed over the term of the lease. You can therefore manage your cash flow budgeting with ease and comfort. Product Flexibility: Lease financing enables you to respond to your growing needs by upgrading or replacing your equipment at any time during the lease. This could be a significant advantage if your business requires continually updating your technology. Tomorrow I will discuss more benefits so stay tuned LEASING IS YOUR BEST FINANCING ALTERNATIVE! MAXIMIZE & INCREASE CONTROL OVER YOUR CASH FLOW For more details call us to day to discuss your financing options 1-888-693-1439 Building, Improving and Securing Credit through safe, secure and affordable solutions

Come out this weekend for a day filled of excitement and save by shopping Locally, many merchants have offered some great deals during Chili Fest, come out and support the community and our merchants...COME TRY SOME CHILI.

Very exciting, Bondic (works where glue fails) now available in Walmart. Here's a product we helped arrange financing for. Walmart gave them a $750 000 purchase order. Client needed funds to manufacture and merchandise the product. We arranged the financing and now the product has launched..great fathers Day Gift..get yours. Visit www.itsnotaglue.com

How much do you spend on groceries? Let me tell you why I ask. Yesterday I spent 2 hours talking with a collection agency helping a client settling some debts without going bankrupt. One of the questions on the financial credit analysis was how much do you spend on groceries monthly?.... My client entered $800/month for a family of 4 and the collection person thought this was way too high and the amount should be lowered to $400. After reviewing the rest of the financial credit Analysis we finally convinced the agency to accept the amounts reported and settled the debt at .50 cents on the dollar. Due to our negotiations client was able to save thousands of dollars. Client did not have to go bankrupt or enter into a consumer proposal. Let us help you avoid Bankruptcy or entering into a consumer proposal. Call us today for your financial credit analysis. 1-888-693-1439 Building, Improving and Securing Credit through safe, secure and affordable solutions

Wishing each and everyone of you a Prosperous 2014...Happy New Year

How A Direct Financing Lease Can Benefit Your Small Business Lack of capital is one of the biggest issues that small businesses struggle with. A recent study published by Professor John Paglia of Pepperdine University showed that 60% of businesses lack the capital to meet their growth targets. A full third of businesses surveyed said that lack of funds was the biggest issue their business faced. One of the most efficient ways to maximize your available capital is to lease eq...uipment rather than purchasing it outright. This is particularly important if you are one of the many businesses that are currently struggling with a limited funds. Direct financing of equipment will not only free up capital when done correctly it will also generate positive cash flow for your business. For more information on what we can lease call us at 905-778-8100

6 Items to Review on Your Credit Report: Late Payments: If you can't make your usually payment try to a least make the minimum monthly payment until you can pay more.... Keeping High Balances: Reporting agencies will score favourably when your allowable maximums are utilized between 50%-80% Collections, Liens, Judgements, Bankruptcies:: There are times were these items will appear on you credit bureau but don't belong to you. That's why it's mandatory to look at your credit rating at least 2 times a year. Some times life gets in the way and these matters should be dealt with immediately. Active Accounts: If you are thinking of closing an account don't, keep it open used it once in a while...if you close it this could impact your debt utilization. Hard Inquires: These occur when a person is looking for a car loan, mortgage, LOC, RRSP Loan etc. Going from Bank to Bank will hurt your credit and you can be qualified as a credit seeker. If you need help establishing credit or rebuilding credit give us a call and we can help with our Crediplan program 905-778-8100 ext 1

The federal government says it’s doing away with expiry dates on prepaid credit cards. And new regulations will ensure card issuers aren’t allowed to impose fees that eat away at a card’s balance within the first year.

Here's a great site l would like to share with you.... A list of Trusted contractors in Bradford from: Air Conditioning, Basement Renovations, Bathroom, Renovations, Deck Construction, Electrical, Foundation, General Contracting, Hardwood Flooring, Handyman, Heating, Kitchen Renovations, Laminate, Flooring, Landscaping, Painting, Plumbing, Roofing, Waterproofing, Window Replacement TrustedPros has professional contractors located in and serving Bradford for all your home impr...ovement needs - contractors that have been previoulsy hired and rated by Bradford homeowners. So if you're planning on a renovation soon and require the funds for your project we'd be happy to help you arrange your financing. Give us a call today at 905-778-8100

My weekly news letter is now available on line. Be the first to read my newsletter every Monday morning....send your request to join my newsletter to [email protected]

FOR IMMEDIATE RELEASE Bank of Canada maintains overnight rate target at 1 per cent The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent.

Last week brought good news in the form of third quarter gross domestic product data released by Statistics Canada. The economy posted a 2.7% annualized growth rate in the quarter but exports remain weak and much of the growth come as a result of Canadian businesses building inventory levels..

Know you rights! We have all had that annoying sales person knocking on our door wanting access to our homes to check out our Water tanks and furnace over the summer months. Well it seems that the Ontario Government received more than 2,240 complaints. On November 27 2013 The Ministry of Consumer Services released Stronger Protection for Ontario Consumers Act.... 4 main areas of discussion are: Door-to-door water heater rentals and sales Debt settlement services Real Estate fees and commissions Transparency in real estate transactions

We are now accepting Home Improve Loan Applications!!! CONTRACTORS AND INSPECTORS: Are you one of our qualified contractors or inspectors? If Not, you should be.... Our products and processes are designed specifically to help you: Increase Sales Improve Cash Flow Enhance Margins The ability to provide your customers with timely financing is crucial to the success of your business. Our finance program gives you a powerful sales tool to help you maximize business opportunities. All Dealers must complete a Dealer Application form to qualify. What can we finance? Kitchens & Bathrooms, Solar Panels, Garages, Tankless Water Heaters, Decks and Patios, Roofing/Windows/Doors, Hot tubs, Security Systems, Air Filtration System, Residential Boilers, Heating/Air Conditioning, Water treatment equipment......and more. For more details contact us at 905-778-8100

This week's edition details new product launch directed to Home Owners, Contractors and Inspectors. How invoice factoring may be able to assist your business’ cash flow. as well as helpful tips for using social media to your advantage

Like contests? Good because there's a great new contest on youinc today!! Enter now to win a one on one meeting with Arlene Dickinson (Dragons Den) to talk about your business. And we have made it super easy to enter. Just click on this link and follow the simple entry rules. https://youinc.com//media/win-a-one-on-one-with-arlene-dic.

This week’s edition is dedicated to Credit. Why build your credit and how your credit effects your life daily. Please let me know if you have any questions or feedback regarding anything outlined in this news letter. Thanks again for your continued support and referrals!

Parliamentary Appearance by the Governor and the Senior Deputy Governor of the Bank of Canada On Wednesday, 20 November 2013, the Governor of the Bank of Canada, Stephen S. Poloz, will appear before the Senate Standing Committee on Banking, Trade and Commerce. He will be accompanied by Senior Deputy Governor Tiff Macklem. The Governor’s opening statement will be published at 16:15 (ET).

What is Revenue based Financing? Revenue Based Financing is a type of financial capital provided to small or growing businesses. RBF investors inject capital into a business in return for a percentage of ongoing gross revenues until the initial capital amount, plus a multiple is repaid to the investor.

How may of you accept visa, Master Card, American Express, debit card transactions? What if I could show you how to tap into your future transactions to help grow your business and meet your current funding needs? I'm waiting to hear from you! 1-888-893-6187

How small business owners can maintain a work/life balance

Great article from DB business finance on Growth signs...Is it time to grow your business?...We can help. Building, Improving and Securing Credit through safe, secure and affordable solutions.

Credit history is an important part of many landlords screening process and very often, landlords make decisions solely based on the credit score of a potential renter. A good credit score can save you thousands of Dollars in interest payments. Our CreditPlan Plus product can help you build or establish credit and help you save money each month...no security required. Need more information contact us at 905-778-8100..we are committed to Building, Improving and Securing Credit through safe, secure and affordable solutions.

The Bank of Canada will auction C$3.4 billion ($3.3 billion) tomorrow of notes maturing in March 2019.

This is priceless :) Saturday Night Live: Don't Buy Stuff You Cannot Afford

On October 24 2013 I posted an article on Usage Based Auto Insurance coming to Canada, Well it's here Industrial Alliance Insurance has been utilizing this program in Quebec for a while and is now being implemented in Ontario (6 to 12 months). The excuse they're using is to help lower insurance prices to those families that have higher insurance premiums due to their kids living at home with a drivers licence...Now they can monitor driving paterns to determine who the driver is, speed, time of travel and distance, how often you hard brake, how fast you accelerate and how quickly you turn.

We specialize in arranging working capital funding for growing companies that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success. We work with many well-capitalized lenders that have capital available. Many of our clients, companies just like yours, can receive the working capital they need even in today’s hard economic times.

Been a while since we've had a repo... 2009 GMC Sierra 1500 WT PRICE: $13,995... Body Style: Pickup Engine: 4.3L 6cyl Fuel Type: Unleaded Transmission: Automatic Exterior: Champagne Interior: Black Mileage: 55,387 km Call us for more details 1-888-693-1439

Finding capital is one of the hardest things a Main Street entrepreneur has to do...We take the hassle out of find Capital for you next Project...Big or Small we do it all

Where are we going with this? What Price must we pay for freedom.Now they want to monitor our driving habits? Driving too fast? Don’t worry we’ll send you a ticket in the mail. Usage-based Insurance has been available for over a year in the states and now being implemented into Canada. FSCO, The Financial Services Commission of Canada is of the view that it is essential that all insurers using UBI programs comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) in their handling of personal information

JUST RELEASED FOR IMMEDIATE RELEASE Bank of Canada maintains overnight rate target at 1 per cent... The Bank of Canada today announced that it is maintaining its target for the overnight rate at 1 per cent. The Bank Rate is correspondingly 1 1/4 per cent and the deposit rate is 3/4 per cent. Monetary Policy Report - October 2013 The Canadian economy is expected to grow by 1.6 per cent in 2013, 2.3 per cent in 2014 and 2.6 per cent in 2015, and to reach full production capacity around the end of 2015.

Do you have commercial clients looking to expand their business or looking to do improvements on their property but can't access funds due to lack of financials or financials show a loss and bank won't lend them any money... We have a solution for your clients. If they deal in Credit Card or Debit Card transactions we will utilize 1 years worth of transactions to determine loan amount. No Credit, No financials, No appraisals, just the debit/credit card transaction records.... Finding the right solution to your unique need Building, Improving and Securing Credit one client at a time Call today for more details 1-888-693-1439