It is a well-worn truth by this point that the world is more interconnected than ever before. That much you probably know. Likewise, you probably have some vague idea as to the importance of the exchange market for currencies.

That being said, unless you actually work in that market or are a regular jet setter flying around the world all the time on your way to business meetings, chances are that you haven’t had to deal with exchange rates all that much – and thus might know what to do. Thankfully, the best experts in currency exchange in Canada have you covered. Here are a few essential services they can offer you.

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The internet is flooded with wedding photographers’ advertisements and all of them claim to be the best. Now the million dollar question: how do we get to know which of them is the best? One of the most obvious solutions will be, again the internet.

No, we’re not a hypocrite. We never said that the problem was the internet. It’s the photographers who are spamming the platforms and hacking their way above the deserving ones.

We will help you in discovering the best Toronto Wedding Photographer. These 5 super effective tips have proven to be useful by many before. Let them find you the way:

1. Decide The Wedding Theme First

In order to get the best wedding photographer, one needs to settle on the theme and style of the wedding. Take inspirations from the internet. Reddit is a great help when you need specialized wedding themes with photos and quotes too.

By finalizing the style and theme of the wedding, you can now go and look for the best photographer in that category. Let me remind you, all those so-called ‘professional photographers’ claimed in wide ads are not that professional when it comes to a specific theme.

Also, you don’t need to narrow it down to one specific theme. You can choose a bunch of them at the start. With this step in place, you will have certain options to play with.

2. Settle Down on a Reasonable Budget

The second step is finalizing on an approximate budget of the entire photoshoot. The prices can go anywhere between $2000 to $10000. The more you want to spend, the better photographs you’ll get – that’s a given.

There will be packages, rates based on the hours spent, better quality deals and many more options to go for in this scope of work.

Once you have finalized the approximate budget, you can start the search even more effectively.

3. Give Preference to Highly Rated and Reviewed Photographer

Ratings on reputed websites are earned and can not be purchased. You just need to figure out which are those sites which you can trust. It can be a community run website which verifies the listings and ratings before publishing them. It can very well be a blog from a neutral website.

Reviews and testimonials are the kinds of things which need proper investigation before believing in them. More often than not, the reviews are fake, posted mainly for marketing gimmicks, and are too real to believe. If you come across some of such reviews, make such not to hire that particular photographer. Always invest in honest work. It will motivate the talented photographers who lack resources to put themselves on the front page.

4. Take Advantage of Social Media

You should not leave even a chance of getting profit by someone else’s experiences. It helps if you have a big circle of friends. Just a WhatsApp group query can result in a couple of verified and validated experiences. You can even join certain wedding and marriage related groups in facebook and people over there can help you get in touch with a better wedding photographer.

You can even make a tweet asking about the best wedding photographer in your area. Use hashtags like #weddingquestions, #weddingqueries, and such similar vocab to make your tweet more visible.

5. Final Interview Tips

Make a list of at least 5 different photographers chosen so far based on their recommendations, reviews, ratings, or any other factor. Set up personal interviews and ask them to come up with the best samples they have for you. Tell them what you already have in mind. Ask them how they can enhance your vision of the wedding photographs. Also, stick to the budget you had in mind. They can try and shove expensive setups to you but beware of that and stick to the original plan.

These 5 tips will definitely help you in finding the best possible wedding photographer for you.

With Christmas and winter just around the corner, having a reliable furnace is one of the primary requirements every homeowner should consider. Thanks to the internet and YouTube, these days everyone thinks that they can be DIY experts when it comes to handling household furnace repair and installations.

However, what many of us forget is that experts give these DIY videos and instructions, but those who follow them are amateurs and lack the professional experience. These scenarios leave room for plenty of mistakes. When it comes to DIY furnace installation, there are some crucial mistakes that you should avoid at all cost. These mistakes are:

1. The Correct Furnace Size

Many homeowners lack the professional knowledge and experience to determine the correct furnace size for their homes. Many have the assumption that having a bigger furnace is much better compared to a medium-sized or smaller furnace. Having the right furnace size will guarantee you a furnace system that is more efficient and functional. A bigger furnace when installed will have to work twice as hard while a smaller furnace will not be able to keep your house warm during the cold season. The best way to save yourself from this mistake is to consult with furnace experts on the best size of furnace to purchase for your home.

2. Lack of Proper Knowledge When It Comes to Gas Installation and Electrical Installation

Most people ran to DIY projects since they want to save a few bucks. However, you end up spending more money on repairs after your DIY project doesn’t become successful not to mention the fact that you put yourself in danger. When it comes to furnace installation, it’s crucial for the person doing the installation to have expertise in both gas and electric furnace installation.

The wrong electrical installation will lead to your furnace using high voltage and hence very high electricity bills, while the gas installation when installed incorrectly could poison your home or even burn your whole house down. If you do not know the two types of furnace installations its best that you look for a furnace installation professional, do the work.

3. Poor Air Distribution

When it comes to air distribution during furnace installation, only an expert can be able to perform a high-quality job on this. Air distribution involves a lot of theory that the DIY video you find online will not be able to tell you about. To make matters some of these DIY videos about furnace installation will opt to use a shortcut of using the old air ducts when installing a new furnace.

When planning to have your furnace replaced, you should also consider getting new air ducts. This will make sure that you get air ducts that perfectly fit and complement your new furnace, hence a more effective air distribution.

4. The Air Duct Connections

After getting the best air ducts for your furnace, you need to make sure that the air duct connections are perfect. Wrong air duct connections can cause the gas to leak hence poisoning people in your home or lead to high voltage use. Poor air duct connections will mean that your home will not be properly heated during winter. Most of the heat from the furnace will be lost in arrears with poor air duct connections.

Hiring reliable furnace installation companies will guarantee you a successful furnace installation process. Furnace experts will also give you professional advice on how to take care of your furnace and tips on how to improve the effectiveness of your furnace.

The industrial water purification systems industry is proving ever more that it will soon be a dominant marketing niche in the near future. This is because many nations are no longer being third world nations (which is a fantastic achievement and one that is wholly desired).

Many nations that were once considered poor are now becoming a significant force in the marketing world. And as such the need for water purification systems are a necessity. Clean and drinkable water is not as abundant as many would think. In fact, there is estimated to be a water crisis in the near future due to how much water has been contaminated along with how much water pollution goes on as well.

So, in this article, we have taken the liberty to outline the top 6 international industrial water purification systems.

The Top 6 International Industrial Water Purification Systems

# 1 – The Home Master Artesian Full Contact Reverse Osmosis System

The Home Master Artesian Full Contact Reverse Osmosis System is a top of the line water filtration system. It can help to eliminate almost all of the contaminate in the water at around 98%.

It comes with a five-year limited warranty for all the ports to the system.

It has two steps that add minerals back into the water. It produces better tasting water and the stare flow rate is twice as fast as the ROs.

# 2 – The APEX Premium 5 Stage Reverse Osmosis Water Filter

The APEX Premium 5 Stage Reverse Osmosis Water Filter has a long history and years of experience under their design. This particular design has an in-house certified water specialist.

They provide technical support for the entirety of the water purification system. This system removes put to 99 percent of contaminant. It can treat both tap and fresh water.

# 3 – The APEC High-Flow 90 GDP Reverse Osmosis System

The APEC High-Flow 90 GDP Reverse Osmosis System can output 90 gallons of fresh water every day. It creates pure water production. Has a longer lasting filters and overall is one of the best water purifications to come across.

# 4 – The APEC Countertop Reverse Osmosis Water Filter (Portable & Installation Free)

The APEC Countertop Reverse Osmosis Water Filter requires o installation and can attach to your faucet in a manner of minutes.

This particular water purification system is small in size, a preferred water purification system for apartments, students, dormitories and travelers (backpackers).

# 5 – The iSpring (75GDP) Legendary 5-Stage Reverse Osmosis System

The iSpring (75GDP) Legendary 5-Stage Reverse Osmosis System is one of the most used water purification systems in all Europe. This particular brand continually upgrades its system to make sure that their customers are getting the absolute best regarding water.

# 6 – The ISpring 75 GPD legendary 6 Stage Reverse Osmosis System

The ISpring 75 GPD legendary 6 Stage Reverse Osmosis System is one of the more expensive water purification systems on this list but out makes up for the higher demand in the additional features it offers.

These features being:

• Additional alkaline filter
• Recent upgrades
• Saves minerals that are beneficial for you during the whole water process

You would think that driving wouldn’t be safe. Well, as long as people use their common sense and because most people don’t, driving can be terrifying. However, many scary tells happen and not because of other drivers but freak accidents that arise out of nowhere. These tales are not fake, and many of these accidents and incidents occur on an everyday basis in some countries.

For movers and any moving company that has to travel to far and obscure places they see and encounter things that leave them scared, and we are certain that some of these stories will leave you a bit scared as well. If you are part of a movers Edmonton service, then fret not but be wary on your travels.

6 Haunting Tales Of Movers Closes Encounters That Will Leave You Scared

# 1 – No Barriers At High Elevation

In certain parts of the world, many deaths are a cause of drivers careening over the edge of a road which has no barrier. Specific countries paths that lead to high elevation yet have no barriers to keep drivers from going over the edge. Because of this many deaths are piled up as a result.

# 2 – Projectile Shooting Through Window

There is a very famous clip on youtube where a bus driver is driving along when all of a sudden a projectile enters the window and drives right into his chest. He can stip the bus without getting other people injured or harmed. Unfortunately, he passed away from a projectile that seemed to have come out of nowhere.

# 3 – Mudslides

Mudslides are not uncommon, and they can happen anywhere on the planet. Much like sinkholes can occur out of nowhere. However, mudslides are especially dangerous as they have the potential to cause so much more devastation to the land and the drivers on the road.

# 4 – Crazed People Out On Road

There is a craze that is going on in certain parts of America as well as Canada with people wearing clown suits and frightening people. Perhaps one of the most chilling experience that some people have encountered is seeing a person on the road late at night walking in a clown suit or just lying down in the road.

What these people are doing is unknown; maybe just trying to scare people – and if this is their purpose then kudos because they are frightening many people with their antics.

# 5 – Getting Struck By Lightning

There is nothing quite frightening than to get struck with lightning and when lightning strikes a car, it can indeed be a scary experience.

# 6 – Ghost Car Collision

In one of the strangest car accidents of all time, a driver has a video camera and is turning left. When all of a sudden a car that is to the right of him gets in a collision with a car that had no signs it was even there. How this happened baffles many people to this day.

Are you interested in RESPs or registered education savings plans? Are you a resident of Canada and have a child below the age of seventeen?

If you answered yes any of the two previous questions, you’ve reached the right page. The Heritage Education Funds is one of the best ways to assure your child’s future education and the best time to get started on saving for your child’s college fund is right now.

The Canadian government sponsors part of the contributions to RESPs and the payments made by the government are computed based on the economic status of the child’s family.

Obviously, those who are earning lower than ideal will be receiving more assistance from the government, but still, only to a certain extent. The maximum contribution of the Canadian government to individual savings plans for education is $7,200 as of this article’s writing.

Understand EAPs

EAPs or educational assistance payments are basically withdrawals arising from fulfilling your role as the subscriber of the savings plan. In college, the financial institution or scholarship plan dealer that holds your child’s educational savings plan will mete out educational assistance payments.

And contrary to what people believe, EAPs can be claimed by the beneficiary in secondary school, not just in college or when the beneficiary applies for a valid program in the university.

Limits to Contributions
You can only contribute a maximum of $50,000 to your child’s registered education savings plan. However, this does not mean that you cannot open more than one savings plan for your child’s future education. You can open an unlimited number of plans and spread out your contributions.

Obviously, there will be some differences in the private policies of the institutions or dealers that are offering such savings plans, so read, read, and read before signing up. You still cannot exceed the $50,000 ceiling for contributions even if you have more than one educational plan open for your child.

What If Your Child Doesn’t Study After High School?

The situation where a beneficiary does not pursue a degree after secondary school is common. What happens to an RESP in this situation? Canadian law states that the subscriber can withdraw money from the savings plan at any time. However, the Canadian government also matches contributions to a certain extent.

When does the government pull out its contributions? Current policy states that if the beneficiary does not pursue a post-secondary degree training program 36 years after his/her completion of secondary school, the Canadian government reserves the right to request the grant money to be returned to the national coffers.

If you withdraw money from an Heritage RESP and you do not use it for your child’s college education, the government will tax you (the money will be subsumed under “income tax”) and you will pay the government a 20% penalty based on how much you withdrew from the RESP.

All RESPs in Canada are government-sponsored, so there is no escaping this clause. If you want a savings plan that you can use for business and other purposes, there are other financial instruments and investment programs for that. Don’t use an RESP.

Have you ever required freight services? Which one did you use? Virtually everyone needs courier services once in a while. Delivery services are used to export, import, and carriage of local goods using various transportation companies. Different shipping needs are dealt with by freight services. Every company that provides any transportation services is reliable and convenient. Dangerous property and highly perishable good can be transported. Needs of various customers are taken into consideration. The availability of online tracking option enables the tracking of delivery all over and the shipment.

The services involve loading, unloading, and insurance services. The client’s goods are loaded into the container from the source and unloaded once they rich the destination. Special facilities for transporting freight that requires special conditions are available. For example, transportation of precious goods like gold or blood may need insurance services since they are risky. Here are various types of freight services that offered by different companies such as trucking companies, Canadian trucking company, and Transportation Company.

1. Air freight services

This is a type of duty that is dedicated deal with logistics for delivering of cargo. Air services are fast. Air freight has a high density which makes them not occupy much space on a cargo plane. However, they meet the required weight to be considered freight. If the package weight is more than 100 pounds, Air freight transportation is the best because of cost-effectiveness. Canadian trucking companies have delivery services. Most likely you can consider the use of this freight when your goods are urgently needed. The best thing with air freight is the flexibility having global coverage.

2. Less Than Full Truckloads

These type of services is offered to a customer whose goods don’t need the entire trailer. They good for companies that anticipate low volume or don’t necessary needs rushed deliveries. Trucking companies offer this service effectively. The remaining space in the truck is packed with cargo from other businesses that wish to save money on their small good. You can find more resources available at the Fortigo Freight Services website.

3. Partial Truckload

This type differs with Less Than Truckload freight. The freight involves delivering of fewer loads at a time and deal with all kinds of cargo. Refrigerated, overweight, and temperature-controlled goods are also accommodated in the freight. The issue of logistics is also considered. The truck is mainly preserved for medium-size loads.

4. Full Truckloads

Deliveries are expected to occupy the entire trailer. Companies with large and bulky load can choose this type of freight. A lot of commodities usually offset the cost of a bigger truck. The truck is typically faster as compared to Less Than Load because it does not drop the load along the way.

Those are the principal types of freight service that are provided by different companies such, Trucking company, transportation company, and Canadian trucking company. You should consider using the transportation that will suit your needs and the one that is cost friendly.

A common reason why a private enterprise shuts down is because they have run out of money. In today’s hectic work environment and ultra-competitive economy, it is important to get paid as fast as possible. What business can wait a handful of months to receive their money? The answer is no one, which is why many companies will take advantage of accounts receivable, or AR – you and your team will quickly learn that cash is king.

Here are seven tips to improve your company’s accounts receivable (AR):

1. Don’t Get Stuck in Long-Term Factoring Contracts

Suffice to say, most small business owners make the mistake of entering into long-term factoring receivables contracts. There are multiple negatives of getting involved in such an extensive contract, especially if you think you have chosen the wrong third-party company.

2. Bank Lockbox vs. Private Lockbox

Here is a bit of advice to save you headaches in the future: select an accounts receivable factor firm that uses a bank lockbox rather than a private lockbox. The former is important because banks will extend you detailed reports if the payments take too long to process.

3. Track All Payments Carefully

Perhaps this is just common sense, but every company should track all payments carefully. To ensure that you get paid and you know who owes what, you need to properly monitor payments.

4. Speak with a Bank for Better Cash Managing Tools

As we previously mentioned, your business never wants to run out of cash. Should you not receive your payments on time, then it would be wise to speak with a bank for better cash managing tools to remain in the black. This will prevent stress should a client not pay up.

5. Minimize Any Payment Barriers

You want to avoid excuses, you want to prevent delays and you want to keep the customer happy. The best way to achieve these results? Minimize any and all payment barriers – allows your clients to pay any way that they choose.

6. Limit Credit to Overdue Clients

First, it’s important to establish a credit policy – who, what and when. Second, it is pertinent to limit credit to overdue clients – it’s OK for a client of five years to miss a payment once in a while, but if they do this on a regular basis then you will have issues down the line.

7. Keep Notes of Every Transaction & Meeting

Lastly, like a client relationship management (CRM) system, you should keep and maintain in-depth notes pertaining to each transaction and meeting with your clients. This is an organizational skill that will ensure your company gets its money.

Scanning all of your business documents is an overwhelming task, but it can bring you many benefits. Hiring someone else to scan your documents is an even better idea if you want to save time and money. Here are the top 9 reasons to use document scanning services.

1. Keep your original documents in great condition

Scanning your paper documents will allow you to keep them in perfect condition, while you can add personal notes and reminders to your scanned copies.

2. Access your documents from anywhere

When your documents are scanned and stored online, your employees can have access to them anytime, whether they are working in your office, from home, or on the road.

3. Store your documents in a secure document management system

When you hire a scanning service, your scanned documents will be stored in a document management system. It’s an easy way to keep your business secure and compliant, and to keep track of who is viewing your documents.

4. Find what you need more quickly

Searching through file cabinets to find the paper document you need can be a waste of time. Using keywords to find the scanned document you are looking for is quicker and much easier.

5. Save some time

By using document scanning services instead of asking your employees to scan all of your documents, you are saving a lot of time and increasing your productivity.

6. Save some money

Scanning documents and working with them online should be more cost-effective than printing out documents, and having to maintain your printer and to purchase printing supplies. You will also not be wasting any ink or paper.

7. Save some space in your office

If you don’t need to keep your original documents in great condition, you can simply get rid of them and keep only the scanned copies. This is an easy way to save some space in your office.

8. Keep your documents safe

Keeping your scanned documents online in a secure system will protect them from theft, fire or flooding. Keeping your documents stored in different locations will ensure that you will never lose them, no matter what happens.

9. Get all the support you need

When you hire the right document scanning services, you will be able to receive helpful support if there is an issue with your scanned documents or with your storage and management system. Check out the CASNET website if you want to learn more.

If, by some change, you do manage to get a loan, you will notice they don’t have strict rules like you being asked to read and sign a personal guarantee form which will put your own assets like real estate, car/s, savings, and other valuables, at the lender’s hands should you fail to repay the loan. Most of the time, you find that businesses and business owners feel so relieved and overjoyed of getting a loan that they forget to read the fine print binding the loan. And you find that this is what usually puts them at risk.

But it is extremely vital that you read the fine print of the loan you are about to take, and even try to negotiate the terms of the agreement. Who knows, you may be lucky and find things like the interest rates being adjusted more in your favor. In most borrowing situations, you find that the lender is the person always in the driver’s seat, and it is what he/she says that is the law on the loan. But there are some occasions and tips that you can apply when negotiating personal guarantee agreements that can help you seize some control over the terms too. Here are some of them that you can try out and see how they work out for you and your business.

1. Spread the risk

There are times when you will find that all the owners of the business, and not just the primary owner, are needed to sign the personal guarantee forms of the lender. If your business has multiple investors, for example, who own at least 10% of the business each. The lender may require that all of them put their signatures on the personal guarantee form. This ensures that each of the investors should be liable for some portion of the loan and any risks incurred as well. But it is advisable that each person who puts his/her signature on the personal guarantee form only accounts for the risk of the equivalent amount to his/her percentage of the company’s investment. In this case, for example, each investor should only be liable for 10% of the debt should anything go wrong.

2. Shorten the time frame

Many personal guarantee forms are usually signed ‘unconditionally and forever’ and for the term of the loan, it is advisable that you, the borrower, try to negotiate with the lender on an end date for the loan. You can request, for example, that the terms set on the personal guarantee form only applies to a portion of the total time that you are given to repay the loan. You can also try and negotiate an end date on some provisions of the personal guarantee agreement.

3. Limit the amount of guarantee

As the borrower, you can also try and protect yourself by requesting to have only a percentage, or portion of the loan to be covered by the personal agreement. Say, for example, that you are borrowing $1 million. What you can do here is try and negotiate with the lender if it can be possible to have the personal guarantee to cover only 60% of the whole loan. This will protect your business from suffering the loss of the whole $1 million should the business default to pay back the full loan amount. At least your collateral and personal assets will be off the hook for the whole $1 million.

4. Beware of risking it all

Before you agree to sign the personal guarantee form, you need to, first, carve out some of your assets that the bank can seize like your home should you default to pay back the loan. Some states in the U.S. like Texas and Florida, have it in law that banks or any other lenders can’t seize your homestead if you default to pay back any loan. But if you live in a state where this is not law, then you need to ensure that you cover these assets and protect the assets that you can’t afford to risk.

Individuals and businesses alike often need to deliver packages and envelopes to nearby locations within a short period of time, but many lack the time in their schedule to make the delivery on their own. Paying for third party shipping services from the postal service or another well-known shipping company may not seem worth the time or expense, and you may be looking at local courier rates to determine if this is the right delivery method to use. Courier rates are typically affordable through most sources, and you may find that this is a great individual and small business shipping method that will result in your package being delivered to the recipient in a timely manner. With courier services, you can expect a great overall experience that includes these features.

Personalized Service
With most types of courier services, you can expect to receive a high level of personalized attention from the company as well as the individual delivery person, and this is unlike the experience you receive when using a major shipping company. With the large shipping companies, you generally receive a tracking number for your package, and this is your primary means of checking on the delivery status. However, with a courier service, you typically speak with a live individual, and that individual is either the person delivering your package or someone who can get in contact with him or her for a live update as needed.

A Hands-On Experience
When using a courier for individual or small business shipping needs, you may love the fact that couriers take a hands-on approach to delivering your package. Most couriers are used for local deliveries, and this typically means that the individual who picked up your package is the one who will hand-deliver it to the recipient. You can give the courier special instructions for the handling of your package with the assurance that your instructions will be followed.

Timely Delivery of Your Package
Most courier services pick up packages as a convenience to you, and they usually immediately deliver those packages. The actual travel time between the two locations may vary, and the courier may make another stop or two in between the two points. However, you can typically expect a fairly straight route that results in the rapid delivery of your package.

If you are looking for the fastest way to deliver a package, a reliable delivery experience or service that provides special handling, Flagship services may be the best option. With many services available in most areas of the country and beyond, you can explore the options today to find the right service to use for your current needs.

Image Credit: Grabbitandrun