In a lot of situations, hiring a contractor to get a particular job done makes perfect sense. It may require expertise or skills none of your employees have. You may only need someone for a short timeframe to clear a backlog of work, or maybe you just want to avoid having to go through a formal recruitment process. But be careful. Even though you hired them as a contractor, the…  Read more

It’s easy to be wise after the event. Taking out certain types of personal insurance is being wise before the event!  What happens if you’re in a bad accident and need to take an extended period off work to recover? Or you were left permanently disabled – or worse? What would happen if you got sick and needed around-the-clock care for a few months? The more you have, the more…  Read more

Most people will quite literally earn millions of dollars in their lifetime. Yet many people struggle financially and live from one pay period to the next. With our ageing population and many Baby Boomers continuing to work, at least on a part-time basis, past the traditional retirement age, people are working more years than ever. Even if a person works only 40 years, at average earnings, that’s a lot of…  Read more