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Written by Jim Rawson
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Make Sure Your Renovation Fits the Bill for Selling
 Canadians have reno fever and many are tackling projects with an eye to selling their home.
We spent $49.9 billion on home renovations and repairs last year in Canada, and will spend $53.3 billion in 2008, according to the Canada Mortgage and Housing Corporation. Another recent CMHC survey revealed six out of 10 of those renovating did so to prepare their house for sale. But what’s the best bang for your construction buck when it comes to upgrades? |
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Written by Warren MacKenzie
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 It happens to almost all of us; at some time we have to find a new Financial Advisor (FA). When that time comes, and you’re looking for a new Financial Advisor, it makes sense to think carefully about what you want from an FA. You should also check out the potential advisor’s qualifications and track record, and that of the company they work for. The following check list should help you in the decision-making process. |
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Written by Heidi U Pullem
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 As painful as market volatility can be, there are some very good reasons to love it. Contrary to popular belief, not everything about market volatility is bad.
Bear (down) markets are big sales. If you’re like most of us, you probably don’t go to the store and ask to see only the most expensive items. You likely read the weekly flyer and look for bargains. That’s not much different from the way you should approach investing. During periods of market volatility, there are opportunities to buy strong, well- managed companies with bright futures, at artificially low prices. |
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Written by D.M. (Doug) Robbins
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 One of the most common expressions we hear from business owners when discussing the sale of their business is “I want an all cash deal!” On a very rare occasion, we have seen a purchaser come forth with all cash and buy a business outright, but many factors affect how a purchaser will consider financing an acquisition.
In the past, most small and medium-sized businesses received as much as 75% of their total capital needs from the banks and other lending institutions, which included both working capital and equipment. The banks placed a great emphasis on assets as a form of security. Today, banks pay greater attention to cash flow and debt to equity ratios. |
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