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51
Creating a Business Plan
A failed business can cost you a lot of time and money; it pays to do your homework.
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Staying Ahead
Just as your competitors will keep an eye on you, you should also pay attention to them.
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CPP
In the event of divorce, the pension credits earned as a couple can be evenly split, even if one spouse or common-law partner did not pay into the Canada Pension Plan.
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Investments for Post-Secondary Education
Term deposits pay out interest monthly on any term longer than 90 days.
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Using Advisors
One final thing a consultant can do is making you aware of all the various taxes and insurance payments you'll be required to pay annually.
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Determining Capital Needs and Sources
Operating loans are used to cover wages, rentals, inventory costs and other expenses in advance of collecting revenues to pay them.
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Divorce
Loss of custody and an order to pay child support can cause serious resentment, but you must be prepared for this eventuality before you file for divorce.
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Other Major Purchases
If you buy home furnishings that come to $5,000, you only need to pay the applicable taxes and the interest charges at the time of purchase - in this case, at 2.5%, the interest would be $125.
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Establishing a Sales Force
If you hire the right person the first time, the extra time spent will pay off - for you and your new employee.
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Insurance During Retirement
It will also cover funeral costs, legal and executor fees, as well as pay any taxes you owe at death.
