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  • Group Retirement | Small Biz Advisor - Part 38
    Doyle February 14 2011 Your small business client might be considering a retirement savings vehicle for his growing employee Bigger pensions over higher pay U K study reveals BY Leigh Doyle February 6 2011 An Aon Hewitt survey from the U K found that Europeans are exceedingly practical when it Rocky retirement ahead for younger workers says Aon Hewitt BY Leigh Doyle February 6 2011 Stagnant wages job insecurity and a steady decline in pension plan and retiree medical benefits A quick guide to DC pension compliance BY Desjardins Financial Security February 6 2011 Over the last couple of years small to medium business SMB owners have had a Advising on group assets pays off in the end BY Bryan Borzykowski February 5 2011 Most advisors will tell you that they want what s best for the client but Let them save says CLHIA BY Jody White February 1 2011 Canada s insurance and health industry believes the country s retirement system is far from broken Small business employees at a disadvantage over retirement savings BY Craig Sebastiano February 1 2011 Small business employees in the United States are at a disadvantage when it comes to retirement savings according to

    Original URL path: http://www.smallbizadvisor.ca/group-retirement/page/38 (2016-04-26)
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  • How to help small businesses get extra capital | Small Biz Advisor
    loan is paid off Alternative or mainstream For small companies online lenders are increasingly part of the picture While these new peer to peer lenders are often still referred to as alternative they are becoming more mainstream establishing a reputation as being much friendlier to smaller players than big banks have sometimes been According to Statistics Canada debt financing approval rates for Canada s million or so small businesses increase with business size Alternative lenders tend to be nimble and user friendly in some cases offering loans based on efficient online applications that can result in funding 24 to 72 hours later So far most don t specialize in funding start ups but are generally more welcoming to entrepreneurs than are banks which tend to favour larger players and bigger loans Alternative or mainstream For small companies online lenders are increasingly part of the picture While these new peer to peer lenders are often still referred to as alternative they are becoming more mainstream establishing a reputation as being much friendlier to smaller players than big banks have sometimes been According to Statistics Canada debt financing approval rates for Canada s million or so small businesses increase with business size Alternative lenders tend to be nimble and user friendly in some cases offering loans based on efficient online applications that can result in funding 24 to 72 hours later So far most don t specialize in funding start ups but are generally more welcoming to entrepreneurs than are banks which tend to favour larger players and bigger loans What should you tell clients There are pros and cons to using an alternative lender The key is for owners to read the fine print so to speak and ensure they are comfortable with the terms before proceeding For example Dhalla says

    Original URL path: http://www.smallbizadvisor.ca/your-business/how-to-help-small-businesses-get-extra-capital-4289 (2016-04-26)
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  • Human rights ruling on miscarriage puts employers on notice | Small Biz Advisor
    fired her in 2014 without giving her specific reasons Her employer however has suggested numerous absences and a drop in work performance were factors Mou argued her employer failed to accommodate her disabilities and alleged they were a factor in her termination Read Government commits to improving compassionate care leave and parental leave benefits Mahil suggests employers faced with poor performance or absenteeism issues should look into whether a disability might be an issue In the case of a miscarriage it s a very intensely personal situation that employees may or may not share with their employers she says If there s circumstances to suggest some form of disability then employers can t turn a blind eye They need to make the proper inquires even if they don t have specific information Read Compassionate care benefits boost staff engagement According to Daniel Chodos a partner at Whitten Lublin showing sensitivity and respect goes a long way in preventing future conflicts He also suggests employers should reach out to someone who might need accommodation through a tactful letter It could include something along the lines of We feel terrible for you we want to make sure you re in a position to return to the workplace in full capacity and it might be helpful if you let us know if you require any form of accommodation If this requires us communicating with your physician we re happy to do that says Chodos Drafting a robust anti discrimination and anti harassment policy could also help to reduce liability Within the policy there ought to be a clear procedure to report any requirements for accommodation and what the process will be if there is a request says Chodos Read How to handle a workplace accommodation While taking the precautions above may seem obvious

    Original URL path: http://www.smallbizadvisor.ca/your-business/human-rights-ruling-on-miscarriage-puts-employers-on-notice-4288 (2016-04-26)
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  • Research shows banning commissions is not the answer | Small Biz Advisor
    advice for those who need it most The research notes banning third party embedded compensation on the sale of financial products would constitute a massive set back for individual wealth accumulation and ultimately for the economy It adds unbundling the cost of financial advice from that of financial products makes accurate comparisons of total cost of ownership between financial intermediaries inaccessible to individual investors Comparability is a necessary condition for market efficiency Further countries where financial advice has been unbundled from financial products either as a result of market forces or regulatory fiat have seen the opening of a large advice gap and an increase in the total cost of the services for a large proportion of retail customers Instead of banning commissions and creating an advice gap a more effective solution to potential conflicts of interest is to enhance the proficiency and professionalism of advisors For instance there should be a standardization on the use of titles Ensure titles are not misleading and reflect accurately the nature and scope of the services provided notes the research The paper also recommends a stronger emphasis on continuing education programs Greg Pollock president and CEO of Advocis says the association supports the

    Original URL path: http://www.smallbizadvisor.ca/your-business/research-shows-banning-commissions-is-not-the-answer-4280 (2016-04-26)
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  • U.S. introduces fiduciary rule for advisors and brokers | Small Biz Advisor
    to acknowledge their status and the status of their individual advisers as fiduciaries adds the department Firms and advisers will be required to make prudent investment recommendations without regard to their own interests or the interests of those other than the customer charge only reasonable compensation and make no misrepresentations to their customers regarding recommended investments The new rule comes into effect in 2017 but even then if a client s money isn t earmarked for retirement the advisor doesn t have to obey the fiduciary rule reports CNBC About 4 5 trillion were in 401 k retirement accounts as of Sept 30 plus 2 trillion in other defined contribution plans such as federal employees plans and 7 3 trillion in Individual Retirement Accounts according to the Investment Company Institute an industry group The White House estimates investors lose at least 17 billion annually because of brokers conflicts of interest Regulators say problems often arise when people who are retiring or leaving a company roll over their employer based 401 k account into an individual retirement account A broker they hire to make that shift might persuade them to move their money into a variable annuity or other investment that could be risky or expensive The Consumer Federation of America called the government action a historic win for consumers The financial industry though warns that the new requirements for brokers will likely reduce investors choices of financial products and could cause brokers to abandon retirement savers with smaller accounts Perez said that in drafting the final rules his department considered many of the industry s concerns and made revisions to accommodate them The period for the rules to begin taking effect for example was extended from eight months as originally proposed to one year At ground level the new system

    Original URL path: http://www.smallbizadvisor.ca/your-business/u-s-introduces-fiduciary-rule-for-advisors-and-brokers-4279 (2016-04-26)
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  • How to choose the right business software | Small Biz Advisor
    your organization Here are her top tips 1 Know your needs The first thing is to get really clear on your requirements Hayes says Create a prioritized list of must haves and nice to haves and use these requirements to evaluate potential vendors in an organized manner 2 Know your deal breakers For one customer it was the fact they needed their data to reside in Canada Hayes says not an easy requirement to meet but one that made it simple to narrow down the vendor list 3 Have a process Once you ve got a short list of tools it s time for demos But provide salespeople with guidelines she says We ll give vendors a script so they demo the same features in the same order and aren t wasting time on features we don t care about 4 Negotiate Vendors are typically pretty flexible on their pricing Hayes says You don t have to feel like the sticker price is the sticker price Cost structures and licensing models can be convoluted so be aware of what s included and what is priced as an add on or per transaction fee and know what the implementation costs will

    Original URL path: http://www.smallbizadvisor.ca/your-business/how-to-choose-the-right-business-software-4275 (2016-04-26)
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  • Your Business | Small Biz Advisor - Part 3
    March 3 2016 As U S small businesses and taxpayers prepare their 2015 tax returns remind them of changes Five ways to reduce risk of fraud BY Staff March 1 2016 Tax related fraud is an increasingly widespread problem for both individuals and businesses Identity thieves often How to communicate with clients during bad markets BY Craig White and Grant White Advisor ca March 1 2016 Bad markets are challenging for all advisors write Craig White and Grant White Advisor ca But for What millennial consumers think of themselves BY Rebecca Harris Marketing Magazine February 25 2016 Generation Y is hard working budget conscious and stressed according to its own members writes Rebecca Harris 4 misconceptions about female clients and what to do about them BY Advisor ca Staff February 23 2016 Advisors fundamentally misunderstand female clients and the result shows up in client satisfaction statistics 73 The advisor as counsellor BY Patti Ryan February 23 2016 With economic times getting tough some advisors are finding that they have to act as BDC CEO Michael Denham on helping Canadian firms go global BY James Cowan CanadianBusiness com February 18 2016 Even prior to joining the Business Development Bank of Canada

    Original URL path: http://www.smallbizadvisor.ca/your-business/page/3 (2016-04-26)
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  • Your Business | Small Biz Advisor - Part 4
    news for Canadian startups BY Alexandra Bosanac PROFITGuide com February 10 2016 The declining dollar makes new tech companies more attractive to American venture capital firms writes How to make the most of the U S recovery BY Jacqueline Palladini Canadian Business February 4 2016 After years of merely surviving several manufacturing sectors show signs of life writes Jacqueline Palladini How to manage tax disputes with CRA BY Suzanne Sharma Advisor ca February 4 2016 It s increasingly risky for clients to play the audit lottery says David Muha partner Deloitte What federal tax changes will mean for business owners BY Armando Iannuzzi PROFITGuide com February 2 2016 Justin Trudeau s Liberals wasted little time delivering on the change promised in their election platform Companies should boost digital sales services report BY Advisor ca Staff February 2 2016 Most companies aren t prepared to adopt digital business models says a new report by Odgers How to create a more focused workplace BY Robert Gold PROFITGuide com January 26 2016 Interruptions and distractions are all too common in the modern office Kira Leskew outlines How to cope with increasingly sophisticated cyber attacks BY Staff January 26 2016 Cybersecurity is a growing

    Original URL path: http://www.smallbizadvisor.ca/your-business/page/4 (2016-04-26)
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