5 Tips to Get Approved for Bad Credit Finance Options

You have likely seen the surveys reported by the media: half of Canadians live paycheque to paycheque, most Canadians don’t have emergency savings, a majority of Canadians don’t have any retirement savings. This certainly will provide you with a high level of stress and concern.

Life happens. We try our very best to budget our monthly earnings, ensure we set aside enough money for a rainy day and live within our means. Unfortunately, again, life happens, and those financial objectives can seem impossible to achieve.

Someone gets sick. Someone loses their job. Someone’s car breaks down. When these things happen, our finances as well as our credit will ultimately take a hit. And this can affect you, especially when you’re trying to obtain a loan.

Thankfully, there are many debt consolidation and mortgage refinancing options that you can take advantage of when you have horrid credit.

Here are five tips to get approved for bad credit finance options:

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5 GIC Guidelines for Investment Beginners

It has been said many times that using a Guaranteed Invest Certificate is one of the overall safest ways to invest your hard earned money. The act of buying a GIC is an agreement to loan a financial institution or bank a sum of money for a predetermined amount of months or years.

At the end of this term in which your money has been invested, you are assured to receive the total amount deposited, plus the GIC may offer interest on your investment. It sounds like a pretty great deal, right? You may want to know more, which is why this guide will look at five facts about GIC rates that every new coming investor should know.

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All About the VIN: 5 Details You Can Learn About Your Car’s Vehicle Information Number

Buying a used vehicle? Want to know more about your automobile? Whatever the case is, a vehicle identification number, otherwise known as a VIN, is a useful tool in this regard.

What exactly is a VIN anyway? It can be likened to a fingerprint or DNA analysis for your car. It tells you everything you need to know: where and when the automobile was manufactured, if there were any accidents and the type of engine you have. Simply put: a VIN is a useful component for any vehicle, whether you’re buying or selling.

Let’s be honest, though: many drivers on the road are unaware what exactly a VIN is. This is why it is imperative to learn about every aspect of the VIN. Here are five things you need to know about your vehicle identification number (VIN):

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Career In Crisis: 5 Workplace Issues That Require an Employment Lawyer

An employment lawyer can be an important expert ally on your side in challenging moments within your career. But few people have a clear understanding on the role of an employment lawyer within the marketplace, and so in this latest post we’ll clarify the subject. Let’s look at several situations in which you should consider hiring an employment lawyer.

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4 Recycling Initiatives to Introduce to Your Company

As a company you want to be eco-friendly and recognized for taking initiative to do your part for the environment and one of the best and easiest ways to achieve this is by recycling. While you cannot force your staff to recycle all suitable materials, you can make it easier by purchasing recycling stations and setting them up throughout the workplace.

Recycling stations look like garbage bins but are divided into streams according to material that can be recycled. Below are benefits to using recycling stations and reasons why you should consider them for your company.

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Beware of Contracts: 5 Employment Law Tips Your Startup Needs to Know

No company is immune from employment law. Whether you’re a startup of a few or a corporation of a few thousand, every business needs to be well equipped to handle the law.

In recent years, employment law, especially in the province of Ontario, has slanted towards the employee’s favour. It can be extremely difficult for a company to successfully fight accusations or complaints that a business has violated a particular labour code.

When you’re a startup, however, it can be a tad harder to combat the government. You have finite resources and a smaller budget than a much larger company.

To avoid litigation in the future, you need to have an arsenal of information and possibly the help of an employment lawyer. This information can help you stay within the confines of the law as well as ensure you can operate your business without having to make considerable sacrifices.

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Manage Your Finances: 4 Guidelines for Real Estate Agents to Manage Their Commissions

Real estate is a difficult and challenging business, despite what the popular T.V. programs have to say about it. There are peaks and valleys when it comes to sales and even putting houses on the market. Many real estate agents struggle with managing their overhead costs and unpredictable income streams.  Yet, in order to be successful a real estate agent will have to heavily invest in advertising and marketing to stand out from the crowd.

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