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January 4, 2015

Are You an Entrepreneur or a Business Owner?

Are You an Entrepreneur or a Business Owner?

A main differentiator between an entrepreneur and a business owner is their cash survival rates. One group can survive the so-called “Valley of Death” better than the other group. But what is the “Valley of Death”?

February 10, 2015

Life Insurance – Do You Really Need It?

Does your family depend on you financially? This is especially important if you are the sole breadwinner of the family. In case your family depends on you, then you need to know that your family is taken care of, if you pass away prematurely, or if you outlive your retirement benefits. With today’s weak economy, more and more people have been trying to “cut corners” to help save on their budgets. However, saving on life insurance premiums could be jeopardising your family’s future.

February 12, 2015

Explaining the Family Tax Credits in 2015

Let us review the changes to the main family benefits provided by the Government of Canada in 2015.

The amount for the Universal Child Care Benefit (UCCB) will increase. This is the credit paid for each child under 6 years old regardless of the family income. This amount increased from $100 to $160 per month per child under 6 years old. This is the amount paid on the 20th of each month. However, the first 7 months ($420) payment for 2015 will be paid out in July of this year. Then, from August 2015 onwards, the payment will be $160 per month per child.

June 30, 2016

What happens when management fails?

The Art of Management

Capital efficiency

In principle at least, the main function of management is the efficient use of capital in everyday decision making. Managers have to satisfy three main beneficiaries of the company, namely the employees, bondholders, and the investors. Company employees benefit by earning a salary, while bondholders gain by receiving interest on their held bonds. However, both these beneficiaries are more concerned with short term gains, whereas investors, who are the residual owners of the company, are more concerned with long term gains. Investors receive benefit from the company by either receiving a cash dividend, and/or capital gains on the price of the stock.

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