In 2019, around a million carpenter jobs were available. One reason why many like the job are the big rewards they can get from working independently. Nevertheless, carpenters can also be at risk because of the responsibility and freedom that they have.
If something goes wrong, they’ll be the only ones responsible for it. That is why if you want to pursue a carpentry career, having insurance is important. If you’re a self-employed carpenter, then you must understand why you need to have insurance.
Self-Employed Carpenters Types
Continue reading "Do Self-Employed Carpenters Need Insurance?"
Even in the best of times, taking care of a baby is no mean feat—more so for first-time parents. One anxiety many parents have with their first child is how to support them, and this task is made even more challenging today by the economic challenges caused by COVID-19. In fact, a report by the Vanier Institute of the Family revealed that the majority of Canadian families see the pandemic as a threat to their financial security.
Fortunately, you don’t have to navigate …
Continue reading "Top Money Tips for New Parents"
Determine Who You Owe Money to and How Much You Owe Them
To do this, you need to make a list of all your debts and include information such as the creditor, the total debt amount, monthly payment, and the date the debt is due. A credit report could help in confirming the debts listed. When you see all the debts you have, you could realize how important it is to pay them and be more aware of making one.
It is crucial to check this list every period, especially when your bills are near their due date. It is advisable to update this list for a couple of months since the amount of debt could change.
Pay Bills on Time…
Continue reading "How to Take Control of Your Debts"
When many people are entrepreneurial, the competition seems tough, especially in the hoodies business. Many factors also like the location, manpower, and operation costs, putting pressure on the business’s success, and that can either hinder or unlock creative ideas.
But if you are uncertain of the path you are seeking, you can start your business at home, and from there, you can decide whether to progress forward. To help you with that, here are some steps on how to start a home-based t-shirt business.
Create designs for your t-shirts.
This is the very …
Continue reading "Starting A Home Based T-Shirt Business"
Average Household Income: $112,207
Average Household Income Value: $1,742,036
Estimated Rate of Unemployment: 5.7%
Crime Rate Per 100,000 2,133
Family Doctors per 100,000: 91
Average Household Income: $97,800
Average Household Income Value: $754,291
Estimated Rate of Unemployment: 4.9%
Crime Rate Per 100,000: 7,932
Family Doctors per 100,000: 99
Continue reading "Top Places to Live in Canada"
Katie and Tom, a young couple, recently got a payout from a critical illness insurance policy of $200,000. They want to know how to spend and where to invest this amount.
If you are like Katie and Tom, who want to improve your finances from an insurance payout, you can consider yourselves fortunate. This amount of money is ideal for boosting investment plans. Though there are many other factors to look at, here are some ways how you can prioritize.
First, you can pay off your debts, such as credit card…
Continue reading "Making the Most Out of an Insurance Payout for Young Families"
New Home Benefits
You can get the homebuyers’ tax credit if you just purchased a house and have not owned a house in the past 4 years. On line 369 of your tax form, fill it out with the amount of $5,000, and you will receive a 15% credit.
Tax Load Reduction of $750
Getting your house an ecoENERGRY assessment by a certified energy advisor before doing any renovation is recommended. The total costs before and after the audits can be about $1,000. However, this can be reimbursed from the provincial rebates.
Rebates of up to $500
Depending on where you live, cash in on rebates may have:
Continue reading "A Guide to Tax Credits and Rebates for Homeowners"
Investing in a Key Lockbox
It is recommended to get a key lock box if the renovations are done before moving into the house and living somewhere far. For renovation projects that are too large or complicated, you will need to get a contractor. Contractors start working early, so for you not to rush in traffic early in the morning to let the contractors in, you can put a lockbox or any smart door device that will access people by using a code. This can save you a lot of time and effort.
Continue reading "Things You Need to Know Before Renovating Your Home"
The Nation, Ontario
Average Monthy Cost of Daycare: $868
Percentage of Families with Children: 46.7%
Percentage of Children under 15 years old: 20.9%
Average Monthly Cost of Daycare: $1,109
Percentage of Families with Children: 50.7%
Percentage of Children under 15 years old: 20.6%
Average Monthly Cost of Daycare: $1,109
Percentage of Families with Children: 44.9%
Percentage of Children under 15 years old: 17.7%
Average Monthly Cost of Daycare: $183
Percentage of Families with Children: …
Continue reading "Family-Friendly Places in Canada"
Getting a genuine pre-approval
Many homebuyers shop using a pre-approval provided by an online calculator. A genuine pre-approval is a process requiring great detail from a promising lender. The pre-approval will be based on the nature of the down payment, income, credit score, among many other considerations. It is recommended to go into great detail with your lender to know if the property is right for you.
Determining the figures
Most likely, first-time homebuyers will make…
Continue reading "Effective Strategies for First-Time Homebuyers"