Generated T4's should automatically check the CPP or EI Exempt boxes based on the birthdate entered for each employee

by Admin4478 @ Sage 50 CA Payroll - Recent Threads

Thu Jan 11 10:07:04 PST 2018

When creating an employee a birthdate is required before the profile can be complete.  The calculate CCP and EI boxes are automatically checked in the profile which is preferred but there are employees who are exempt due to their birth dates either for the entire year or partial year.  Can Sage 50 somehow link the checking and unchecking of these CPP and EI calculation boxes based on the birth dates that are entered for each employee? 

This eliminates the need to manually check these things before generating the T4's...unfortunately this is usually only noticed after they have been generated and then corrections need to be made before generating the correct T4's.

Please Sage 50, fix this seemingly very simple problem!

5 Reasons Why Mortgage Insurance Is a Rip Off (and What To Do Instead)

by Justin @ Young And Thrifty

Sun Mar 18 18:06:25 PDT 2018

Buying a home is one of, if not the largest investments you will make. It makes sense that you want to protect your mortgage with with life insurance but what is the right type? Most Canadians are never given the proper information about their protection options. Bankers and lenders, just as you are about to…

5 Reasons Why Mortgage Insurance Is a Rip Off (and What To Do Instead) first appeared on Young And Thrifty

What is Delegation of Authority and Task Allocation?

by Amara Pope @ Biz 3.0

Sun Aug 20 15:00:05 PDT 2017

As a business owner, one thing is certain—you wear multiple hats and all those hats…Read more

The post What is Delegation of Authority and Task Allocation? appeared first on Biz 3.0.

RE: CPP amounts

by thompsonvl@shaw.ca @ Sage 50 CA Payroll - Recent Threads

Thu Feb 22 10:54:00 PST 2018

that makes so much sense!! so when employees want vacation pay on a separate cheque how do you avoid that?

5 Ways to Save on Car Insurance

by Samantha @ Life on Credit

Thu Feb 08 17:43:12 PST 2018

There are smart ways to save on car insurance policies and lower the premium. Maintaining a very good credit score, shopping around for deals, and comparing costs and premiums are good ways to save on vehicle insurance. Maintain Good Credit History Credit history is one factor that insurers take into account. Different studies show that […]

Savers Roundup November 2017: Meet Simplii Financial, Motive Financial’s GIC rates, and new promos and rate increases

by Peter @ Canadian High Interest Savings Bank Accounts

Mon Nov 20 07:26:06 PST 2017

Simplii Financial, formerly known as PC Financial On November 1, 2017, PC Financial officially re-launched as Simplii Financial. The Simplii Financial rebrand was a result of CIBC and PC Financial officially ending their banking partnership, with CIBC taking over PC Financial’s banking customers. Customers were assured that day-to-day banking would be largely the same, at…

Running total of hours worked

by Bluejay @ Sage 50 CA Payroll - Recent Threads

Tue Mar 27 13:48:46 PDT 2018

Is there a way to keep a running total of hours worked (i.e. lifetime hours)?

Amazon Visa Gone? Other Top Free Credit Cards when Travelling Out of Country

by FT @ Million Dollar Journey

Mon Jan 29 04:30:00 PST 2018

Effective March 15, 2018 the Amazon Visa will be no longer.  The Amazon Visa was a popular credit card in Canada for foreign exchange purchases, and card I exclusively used for spending outside of Canda.  Most credit cards charge a 2.5% surcharge on top of the foreign exchange rate when purchasing outside your domestic currency, […]

The 519 finally goes LGBTQ-only

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Nov 15 18:46:00 PST 2015

It's always tough, that time you show up where it's the first time you can't be there. Either because the program's ended, moved, changed times, or like in this case, you became not the right demographic.

It's especially tough when it's the only place you can go, and you're already hungry, and you've come a long way. That's what many people are going through at the entry to the 519's sunday breakfast and lunch programs. We used to be greeted with an open door and a lineup... now there's a sign-in desk.

Hopefully this improves things for LGBTQ soup kitchen users. As it was, the 519 was a place where they could share a meal with their straight buddies. So this won't just impact a lot of people's food security - it'll impact friendships as well.

It's sad, too. Apart from The Stop, the 519 is the only place where the staff actually know what's in the food. And maybe PARC. And maybe 40 Oaks? And why the change? Was it a matter of their funding being diluted? Was their program just becoming too popular to manage? Were they unable to keep the place safe and secure, with straight cis people included? Was it just too much of a gap to bridge?

It was probably because it was just too fucking crowded.

Payroll Remittance

by Carol K @ Sage 50 CA Payroll - Recent Threads

Tue Jan 09 13:40:39 PST 2018

How do I enter the payment of payroll remittance so that it show up on the T4 summary at the end of the year?

How to go on strike... when you're unemployed

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Tue Jan 19 19:39:00 PST 2016

Yeah. Fuck yeah. The unemployed need to strike for better labor conditions. Isn't that insane? Yeah. It's totally insane. So how on earth does an unemployed person go on strike?

Let's examine what our jobs are as unemployed people. It's not really that we have jobs to do, it's more like, we are products, and we have to perform our designed function, or else our market value diminishes. So what is our function as products? Our function is to erode the strength of our labor rights. Or rather, our employed friend's labor rights. As long as we're here to provide an example of what could happen to them if they get picky about how badly they're willing to get fucked by their employers, we're performing our main function. But it goes beyond that, of course. We also have to sell the public on a very simple, phony narrative about what poverty is and where it comes from. We have to line up at soup kitchens so people can point to us and say "look, see that's what'll happen to you if you complain about not getting a raise!"

You can tell because any time you point out a systemic barrier that's reinforcing your poverty, somehow your complaint will be interpreted as "I have given up on trying to do anything to help myself." This often happens to people when they try to advocate on their own behalf, instead of bullying their way through everything. It can happen on any issue. It happens to women when they try to assert their most basic and obvious rights over their own bodies. It happens to black people when they point out that police have a hard-on for their blood.

Our presentation as a commodity subverts our desire to show off our own sense of determination, our positive attitude. It's not good enough to have a positive outlook. It's not good enough to be ashamed of being poor: you're expected to ignore everything that led to your situation, and ram yourself up against the same set of barriers over and over again. And you're expected to find things about yourself that aren't even true, to hold up as the evil personality traits that are holding you back. Your fake laziness, for example. Your imaginary addictions. All the things that your friends and family create in their minds because they don't know you're on benefits. They don't know how inadequate those benefits are. And you can't let them find out because then they'd stop talking to you! So our function also includes keeping the rest of the public in the dark. They must not find out about how little we actually get.

We're also expected to keep the rest of the public in the dark about how much of their money, which they think is going to us, is going to the people who provide the services that we count on, to replace the money we're not getting. The public is very ignorant about how large the poverty industry really is. And of course, anybody who's either employed by or commodified by (treated as a client of) the industry has every reason not to criticise it at all. We have to go along to get along. Kind of like how there's no real point in voicing any criticisms when a soup kitchen gives you dangerous, inedible or unhealthy food: you will be punished by other soup kitchen users, if not by staff. And you'll be punished by your friends for mentioning it.

So what do your employed friends and the rest of the public get out of remaining so ignorant? Do they save money? Nope. They do manage to keep a lot of people employed who'd lose their jobs if a guaranteed living-wage income supplement were introduced, though. But that's not the real reason that their ignorance is so valuable. There's a semi-real reason, and then the real reason. The semi-real reason is that it allows the public to ignore politics on this issue, and the public wants to ignore politics on as many issues as possible. Poverty is an issue that's permanently backburnered. So that's the semi-real reason. The real reason is: without poverty we can't have exploitative labor practices. And without that, and without slavery, and without pollution, big evil international business just isn't profitable enough to compete with mom-and-pop small business operations. It's just a large-scale vs. small-scale thing. It's a way to add unecessary levels of management by increasing the size of an operation. And now we're getting into market and trade and finance territory, but that's the problem: poverty is related to transnational corporate success.

There's gotta be a whole bunch more functions that we're supposed to be filling as products in the poverty industry. This is definitely a beginner list. A start. But let's see what we can find in terms of actionable recommendations for the common peasant looking to turn their life into one continuous culture jam aimed at resetting the economics of our civilization.

1. No more invisibility. Why pick an inaccurate oversimplification like "not going out much lately" when you can pick an accurate one like "can't, too poor"? Why? You don't have to make excuses for your poverty. And you don't have to identify yourself personally if you don't want to, why not became a citizen journalist aka whistleblower? Recording devices are cheaper than ever. Blogging is easier than ever. Anonymity is easier than ever. Awesome computers are right there at the job search centre waiting for you. When you're in the middle of a serious poverty moment, hit record. YouTube has a "blur all faces" feature. What would the anti-police-violence movement be doing without all those awesome anonymous cellphone videos. It'd be standing around holding its dick like we are. All the time.
2. No more excuses. They're barriers. They're real. They stopped you before. They'll stop you again unless they're taken down. They can't be taken down 'til they're visible. And who identifies barriers? The people being impeded by them.
3. No more compromises. You've been eating food that makes you sick, at places that make you scared, to avoid hunger. Well... don't you have the absolute perfect makings of a hunger strike built into your situation? Yes you do. Call it a poverty fast, document it, and show it off. Choose hunger.
4. Demand political power: you're not telling the people you know what's going on with you so they'll give you stuff or money or personally help you. You're telling them so they'll realize what's going on generally, and write to a politician about it, or comment on an article about it, or write to an editor about it, or do something that demonstrates political solidarity and awareness. Anytime somebody tries to give you something to help, that's what they're trying to avoid. They're trying to avoid becoming politically active on any issue, especially this one. Your sympathetic friends would sooner part with every single object they have than put their necks on the line by posting a link to an article about systemic, self-reinforcing poverty. And you need to indicate to them that what you need isn't a fish, isn't fishing instructions, it's for the river to be cleaned up so the fish can come back. Don't go out telling your sob story for donations. Go out telling your sob story for mobilization. It's the only way to keep friends who aren't living in poverty, but you have to work hard to make them understand that you don't want their resources, you want their political support, not personally and individually but as a privileged person speaking out for a whole class of oppressed persons. This is something that people love to do, in fact, even though they're terrified of doing it.
5. No more secrets: don't let the people around you think you collect more from ODSP or welfare than you actually do. Don't let them think you get free transportation. Don't let them think you get free food that works for you when really it doesn't. Don't let them think you can afford to accept a job offer when you can't. Don't let them keep on not knowing how that works. Don't let them think somebody can go to work for three weeks without food, without laundry money, and without transportation. Don't let them think you can save for a trip. Don't let them think your benefits package increases when expenses increase. Don't let them think you get a break on rent or utilities or anything. Don't let them think you can just check into a shelter anytime when really you can't. Don't let them think you want them to know all this stuff so you can have their resources. You don't want their resources, you don't want their recommendations, you want them to email their politicians about why your benefits leave you way below the poverty line. You want them to correct their coworkers when they make uninformed statements about poor people. You want them to join you in the real world. You want them to disengage with the fantasy.
6. Find clarity. Finally. We're not supposed to be clear with ourselves about what our own responsibilities are, because we're not allowed to identify barriers. As long as we can't identify barriers, we have to take responsibility for things that we can't demonstrate we've been responsible for. Without being able to separate out our own failures from the barriers that have messed with us, we can't even address what we ourselves screwed up on. And without acknowledging those barriers, we can't do anything to strategize around them. So if you want to talk about taking control of your life, in any situation, half of that consists of breaking through barriers that other people have set up, and the other half is you working on yourself. When those barriers are hugely profitable and politically entrenched, then your struggle has been politicized and needs to be addressed politically. Fortunately, we're technically living in a democracy, so we all have political power. Unfortunately, people don't really have the power to advocate for their own needs, and the public at large has been sold on a weird version of democracy where we are absolutely terrified of using that power. That fear comes from confusion. Who wants to wield a weapon of tremendous power when the target is unclear? And lack of clarity is the best defence against a politically-empowered public. So what do we have to do to gain clarity? We have to go ahead and identify barriers, and talk about them. We have to talk about where they come from, we have to talk about the malicious intentions behind them, as well as the innocent intentions that lubricated their development. We have to scheme around how we're going to empower ourselves to overcome them. Why re-enter a job market that's based on exploitation? Why pretend to be lazy when you're being excluded by class? Why not just call out the exclusion and demand inclusion? Isn't that you empowering yourself? Why not say hey, here's my two lists: the list of problems that I'm bringing to the table, and what I'm doing about them, and the list of problems that the market and the industry and the government are all bringing to the table, and what I'm doing about them. Instead of just presenting your situation as a big jumbled mess that you'll sort out when you get motivated. There's no way to get motivated if it's an unwinnable fight based on lies and fantasy. The veil of bullshit has to be removed, and then our lives can be detangled. It's just so much easier to solve a real problem than an imaginary one.

Get Rich With: Conspicuous Consumption

by Mr. Frugal Toque @ Mr. Money Mustache

Tue Oct 24 12:33:38 PDT 2017

MMM Note: The following is a lesson from our Canadian friend Mr. Frugal Toque, a long-time reader and contributor to this blog, and soon-to-be early retiree. I can’t say for certain that we Mustachians need perfect honesty: I’d be lying to you. But if we’re to proceed with the utmost efficiency, we’re going to have […]

There Are No Guarantees

by Mr. Money Mustache @ Mr. Money Mustache

Tue Apr 25 11:01:34 PDT 2017

You know what I have come to realize is almost always ridiculous? Contracts. Contracts, paperwork, and bureaucracy. Guarantees, warranties, and excessive caution in an attempt to ensure a trouble-free future. Not all of it is bullshit, but the older I get, the more I realize that a surprising portion of it is. I mean sure, […]

New Alberta Stat Holiday Pay

by PaperTrails @ Sage 50 CA Payroll - Recent Threads

Wed Feb 21 07:36:20 PST 2018

Hello,

I am trying to determine if there is a way to set up for these new guidelines that would make the calculation for me.  Is this possible?  How do people in other provinces work this system?

RE: New Alberta Stat Holiday Pay

by Roger L @ Sage 50 CA Payroll - Recent Threads

Fri Feb 23 15:00:40 PST 2018

Marg, can you elaborate on what makes up the 15 mins? If you have 8-hour employees, the stat holiday is 8 hours (like always)

An Interview with Matt Cutts: Can the Government grow a Money Mustache?

by Mr. Money Mustache @ Mr. Money Mustache

Mon Jan 22 09:38:20 PST 2018

One day last week, the icy grip of a winter storm broke and the skies of Colorado returned to their normal state of deep blue with bright sunshine. So I decided to head out for a hike on the warm red rock trails just outside of Boulder. Taking a break on a big rock at […]

Missed Payroll

by martiniolive @ Sage 50 CA Payroll - Recent Threads

Fri Feb 09 11:12:26 PST 2018

I am about to enter my January 2018 payroll, but I am off for one employee.  When I investigated, I noticed that a payroll was missed in October 2017 for that same employee.  I have done 6 payrolls since then, but does this mean i have to delete the 6 payrolls and redo everyone from November to December, including the missed one so that everything balances, or is there an adjustment I can make.  Please help. 

Thanks, 

LP

RE: New Alberta Stat Holiday Pay

by Marj@Swab @ Sage 50 CA Payroll - Recent Threads

Tue Feb 27 12:27:02 PST 2018

I have created a spreadsheet that works pretty slick. If you would like me to send it to you pm me and I will send it to you by email.

Electronic filing of T4 summary

by cb_canada @ Sage 50 CA Payroll - Recent Threads

Wed Feb 14 14:52:27 PST 2018

This is my first time using sage to file T4's electronically. I went through all the steps and an XML document was created, however as far as I can tell there was no T4 Summary created. Is this correct? My issue is, I did not have my remittances set up in sage for 2017 so my T4 summary is incorrect unless I am given an option to put an amount in the "other remittance" box. I can only do this however if I print to paper. Am I missing something? Is there another step for the summary when submitting electronically or does the summary have to be submitted on paper regardless or is a summary not required for an electronic submission? 

What Do You Want More of Right Now?

by J. Money @ Budgets Are Sexy

Fri Mar 23 02:06:47 PDT 2018

What Do You Want More of Right Now?

What do you want more of right now? Sex Beer Sleep Money? I was curious the other day, so I decided to poll my Twitter folks just to see what would happen :) Here’s how 587 of them voted: Probably doesn’t come as a surprise that money came in at #1 with an audience of $$$ enthusiasts, but look at what’s second: SLEEP!!! The thing […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

The Top 4 Tools Every Marketing Consultant Needs

by Greg Digneo @ Biz 3.0

Mon Feb 05 01:30:39 PST 2018

Marketing consultants are no strangers to a full schedule. In fact, you probably find your…Read more

The post The Top 4 Tools Every Marketing Consultant Needs appeared first on Biz 3.0.

car benefits vs company cost

by SylvieSu @ Sage 50 CA Payroll - Recent Threads

Mon Jan 29 07:53:04 PST 2018

Hi,

I would like to know if car benefits for sharesholder is a company cost or not. Is it correct if the entry like:

Debit: Employee Benefits 

  Credit: Due to shareholder M. xxx

Thanks a lot!

Sylvie

Getting Started with Payroll Direct Deposit

by Telpay Incorporated @ Telpay Blog

Tue Sep 19 05:47:25 PDT 2017

After making your first step into the world of electronic payments with Telpay, you are ready to get started with payroll direct deposit. Stepping into a new world of making your payroll payments by direct deposit instead of your routine cheques is simple. All it takes is four steps, and you are on your way […]

Everything You Need to Know About California Overtime Law

by Greg Digneo @ Biz 3.0

Sat Sep 09 04:30:04 PDT 2017

Workers and employers in California will find it necessary at some point to know all…Read more

The post Everything You Need to Know About California Overtime Law appeared first on Biz 3.0.

Net Worth Update March 2018 – Nobleea the Oil and Gas Engineer (+4.2%) ($995,244)

by FT @ Million Dollar Journey

Mon Mar 19 04:30:30 PDT 2018

Welcome to the Million Dollar Journey March 2018 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea – the Oil and Gas Engineer, was selected as a team […]

Forum Post: RE: Customer deduting GST from our invoices

by Tipsy5 @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 13:33:00 PDT 2018

sorry, I meant call their AP.

An option to list general holiday pay for salaried employees

by MHChamber @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 12:16:00 PDT 2018

With the new labor standard laws in Alberta it is now a requirement to have all general holidays listed on a pay stub. This is not an option currently and can only be done manually in the setup of the reports and forms. This has to be entered before each pay period with a general holiday and deleted out the customized form after. An employer must provide an employee with a statement of earnings at the end of each pay period that shows all of the following: statement period regular and overtime hours of work wage rate and overtime rate earnings paid, listing items separately (e.g. wages, overtime, general holiday pay and vacation pay), deductions from earnings and the reason for each deduction hours taken off in lieu of overtime

Forum Post: Get your 15% coupon for the upcoming Sage 50 Virtual Training!

by Avril Zanato @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 10:24:00 PDT 2018

Our flexible online training methods enable you to learn in real time. Whether you’re a beginner or an experienced Sage user. Enhance your skills from the comfort of your home, office, or your favorite coffee shop. You can save 15% on the following upcoming Sage 50 training: Training Next Upcoming Date(s) Time Price Promo Price Details Time and Billing in Sage 50 April 9, 2018 09:00 am – 10:30 am PST $49.00 $41.65 See the full course outline and register here Making your mark with Sage 50 customized forms April 10, 2018 09:00 am – 10:30 am PST $49.00 $41.65 See the full course outline and register here Sage 50 best practices April 11, 2018 09:00 am – 10:30 am PST $49.00 $41.65 See the full course outline and register here Year-end with Sage 50 Accounting April 12, 2018 09:00 am – 10:30 am PST $49.00 $41.65 See the full course outline and register here Managing budgets in Sage 50 Accounting April 13, 2018 09:00 am – 10:30 am PST $49.00 $41.65 See the full course outline and register here Sage 50 Accounting Modules Training April 10-13, 2018 08:30 am – 12:30 am PST $798.00 $678.30 See the full course outline and register here Sage 50 Payroll Module Training April 16-17, 2018 08:30 am – 12:30 am PST $399.00 $339.15 See the full course outline and register here Sage 50 Power User Training April 19-20 2018 08:30 am – 12:30 am PST $399.00 $339.15 See the full course outline and register here Simply use the coupon code: 50CFY1815 when checking out. For more information please visit www.sageu.com or email sageuniversity@sage.com or call 1-855-SageUni (1-855-724-3864) today. Terms and Conditions: Offer is only valid for the above-mentioned courses and cannot be combined with any other promotions

They’re richer than you think

by Garth Turner @ Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate

Sat Mar 24 11:28:49 PDT 2018

 By Guest Blogger Doug Rowat Another quarter, another set of mind-blowing results from our Canadian banks. Bolstered by strength in their wealth management and capital markets divisions as well as continued steady performance from personal banking and mortgage lending, the Big 6 banks racked up a combined profit of more than $10.7 billion in fiscal […]

Official Passive Income Rules for Canadian Small Business

by FT @ Million Dollar Journey

Mon Mar 05 04:30:05 PST 2018

In the Summer of 2017, the Canadian government dropped a tax bomb on Canadian small business owners with proposed changes to how they are able to split their income and their ability to invest excess cash flow into passive investments.  While they had some vague guidelines, they did not have concrete rules to wrap our heads around.  […]

From Zero to Wealthy in Two Years – With AirBnb?

by Mr. Money Mustache @ Mr. Money Mustache

Wed Aug 16 07:57:25 PDT 2017

By this point you probably know all you ever wanted to know, and more, about Mr. Money Mustache’s long-ago path to early retirement. But my story is only one of an infinite number of possibilities, which means it is valuable to look around at how other people are doing it. Because of that, I’ve been […]

Net Worth Update January 2018 – SmilingSaver (+46%)

by FT @ Million Dollar Journey

Mon Jan 15 04:30:53 PST 2018

Welcome to the Million Dollar Journey January 2018 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. SmilingSaver was selected as a team member and will post net worth […]

Let's compare notes on budgeting...

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Jan 10 16:41:00 PST 2016

Okay so none of us have a chance at making a working budget out of what we get from welfare, ODSP, CPP or any of the other benefits packages, and even if Basic Income supplements show up, they'll probably only bring us a third or halfway to the poverty line. Given how big the gap is between what we get, and what we'd need to have a budget that works in any measurable way, it's easy to just not get around to making a budget. Or as soon as you try, you give up because the daily reality that it describes is so terrible. But it's not worse than the reality that actually happens when you have no planned budget.

So even if your budget is unworkable, it's still worth making a planned budget out of it. We all have our little rules of thumb, tricks and tendencies. And if we can get the courage to face the horrible, painful truth of our budgets, we can expect some benefits from applying a bit of planning to them.

The comments section is open for anonymous comments, so let's share notes on how we do this. Not tips on deals and stuff like that, but ideas for budgeting. Or example budgets.

Here's a two-step idea that's really primitive, but it's something that a lot of people start out with when they're trying to bring some order to the chaos:

1. Sequestering some essential money and spending it on important items right away, before it disappears, and spreading the rest of the money out over the rest of the month. For example, pay rent and utilities right away, do laundry if you're a laundromat user and have been letting it go 'cause you ran out of quarters... anything that you definitely need to purchase, anything that you can save money on by getting it monthly, do it during that time, and set a maximum for the amount you're going to spend on that, because the rest of your money is gonna become your daily spending money, or your weekly spending money, or however you want to divvy it up.
2. For many of us, our daily budget is about six bucks, so an easy way to handle that is, you release a twenty dollar bill to yourself every three days. Or do a ten every two days, or a five every day, or whatever works for you. If it's easy to conceptualize, it'll be easier to put into practice. Put 'em in envelopes with dates on them, and those envelopes are also useful for whatever other stuff needs to be divided across the month, like any drugs that you need to have sorted out. A lot of medical cannabis users are living in poverty, and since recently, they've had to pay prohibition prices for their herbs instead of being able to personally grow them at no cost. So for people trying to make $300 a month replace the $5,000 worth they used to produce for themselves every month at no cost, while suffering the effects of a sudden reduction in their medication, being able to divide something like that up into daily supplies, from one chunk purchased once a month, can be a lifesaver. And really, it's the same with daily spending money. Another way to divide the money up is to shift it to your savings account, then set up a automatic transfers, to customize the trickle of money that comes into your account. Wouldn't it be great to get whatever you need to take care of those pressing issues at the beginning of the month, and then just have the rest of it flow into your account evenly, so you never run out? Well with a bit of setup work, you can have that.

11 Money Lies To Watch Out For

by J. Money @ Budgets Are Sexy

Wed Mar 14 02:02:18 PDT 2018

11 Money Lies To Watch Out For

Mornin’, mornin’! Fellow blogger and $$$ personality, Ramit Sethi, tweeted out a request a few weeks ago, and now that my tiny brain has had time to think about it I’m ready to contribute to the conversation :) He challenged us to come up with some money lies we tell ourselves (or worse – others!), and today we debunk some of them and add in […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

Net Worth Voyeur Time: $811,570.54 (-$28,673.45)

by J. Money @ Budgets Are Sexy

Mon Mar 05 02:02:27 PST 2018

Net Worth Voyeur Time: $811,570.54 (-$28,673.45)

Aaaaaand just like that we take a tumble, haha… Our first loss since August of last year, but the first major loss since January of 2016.  In fact, it clocks in at #3 on the Greatest Losses of All Time – a new record! Haha… And probably much needed to put things in better perspective again ;) Here’s a list of the major losses over […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

Cannot post GJ-Account doesn't show up in drop down menu

by Tracy Resch @ Sage 50 CA Payroll - Recent Threads

Thu Feb 01 14:26:21 PST 2018

I can't post a year end adjustment to one of my accounts from the GJ window. It is my vacation payable account. I assume it is because it is linked to other payroll accounts but I am not sure how to now reverse it. The amount in the account is from various employees over the year. If I need to make a reversing entries through the payroll module, how do I do that? Please help!

ActivTrak Review: Should You Stealthily Monitor Employee PC Activity?

by Greg Digneo @ Biz 3.0

Sat Sep 02 10:02:29 PDT 2017

Do you know if your staff are using their time productively? Are your employees using…Read more

The post ActivTrak Review: Should You Stealthily Monitor Employee PC Activity? appeared first on Biz 3.0.

Seek Not to Be Entertained

by Mr. Money Mustache @ Mr. Money Mustache

Wed Sep 20 09:38:56 PDT 2017

I was enjoying a walk downtown with my son recently, when I noticed something wasn’t quite right. A man was emerging from the background of other pedestrians, trying to make eye contact. We kept walking. “Excuse Me! Gentlemen! How much are you paying for your Cable TV right now?” I could now see that he was […]

The Stop's vegan meals a critical daily lifeline for Torontonians with special dietary needs, and without grocery budgets

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Tue Nov 10 14:42:00 PST 2015

They're calling them "veggie" meals. But they're actually vegan. If you mean vegan, say vegan. So, if you can't eat dairy, or you shouldn't eat dairy, or you eat meat but not pork, or not beef, or whatever... this is your lifeline. This and the TVFB (the Toronto Vegetarian Food Bank). And you can get it once a day, several days a week, at The Stop, on Davenport, a few blocks west of Dufferin. So you might not be able to get meat without also getting dairy, but you might be able to avoid hunger, without getting dairy. Or you might be able to avoid hunger, while being vegetarian.

So, their lunch is guaranteed to have a vegan option, every time. Their breakfast, not so much. More like sometimes. But they plan their meals out in advance, so notwithstanding a few changes here and there at the last minute, you can get an idea, from week to week, which breakfasts you can go to.

Replacing one out of four meals a day (what, you only need three meals a day? that's awesome) can yield a tremendous amount of savings that can go into hard-to-find items. Like nuts, fruits, spices etc. You know, the stuff that the free food scene omits. I mean, we get lots of nuts. As long as they're peanuts. As long as those peanuts are in peanut butter. As long as that peanut butter was the cheapest available. Which means it's also got icing sugar in it. Yay. People with cognitive issues love that stuff. Yeah. We fucking adore it. And, let's see, we get lots of fruit. In cheap canned form. So that's great. For their budget. Not so great for our bodies, or our brains. In fact, it's that kind of packaged food that's being eyed as one of the primary causes of many of the mental health issues that have pushed us all to actually read articles like this, almost to the end, or even worse, writing them. And coming back to edit them. And rewriting them. In between meeting up with friends to apologize to them about not looking for work. Because that's what friends are into. You're either talking about how shitty your job is, or you're talking about why you don't have a job. It's wonderful to not see job postings at food banks and stuff.

Telpay Hosts a Payments Panel at IPBC Ignite 2017

by Telpay Incorporated @ Telpay Blog

Mon Aug 21 14:12:14 PDT 2017

We’re excited to announce that at the upcoming Institute of Professional Bookkeepers of Canada (IPBC) National Conference – Ignite 2017 – in Richmond Hill, ON, Telpay will be hosting an exciting roundtable featuring thought leaders in the payment and business industry! IPBC is a member based association to help bookkeepers become more successful and gain […]

Blog Post: Discover what's new for Sage 50 CA release 2018.2

by Erzsi_I @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 00:00:00 PDT 2018

The release of Sage 50 CA 2018.2 will be available to all customers on a Sage Business Care plan starting March 26, 2018. Also, note that support for Sage 50 2017 will be discontinued March 31, 2018. What's new at Sage? From renaming products on the Sage Business Cloud to enhancements with the Office 365 integration of Sage Intelligence Reporting and or Sage 50 Intelligence Reporting, there's lots new with the 2018.2 update! Introducing the Sage Business Cloud. Our goal is to simplify the way we present ourselves at Sage, to make it easier to find the right choice for your business. As part of the changes, our products have been renamed: Relevant to this blog: Sage 50c is now Sage 50cloud accounting. Sage One is now Sage Accounting. Also, Sage Payment Solutions has been renamed to PAYA after it was acquired by a different company. What's new for Sage 50 2018.2? What's new for Sage 50 2018.2? Sage Bank Feeds, new Sage Intelligence Report features, Sage Capture and a feature first seen in Sage Accounting (formerly known as Sage One) has been brought in: The new Invoice Payments add-on service feature. New Exciting Features: Sage Bank Feeds Sage Bank Feeds make it easy to keep your books accurate and up to date. You can save time by automatically downloading bank or credit card transactions into Sage 50. Enhanced: Sage Intelligence Note*: Sage Intelligence is different from Sage 50 Intelligence Reporting mentioned below* Sage Intelligence is a reporting tool available to customers who purchased Sage 50cloud with Office 365 integration. Learn more about the O365 integration with Sage 50cloud here. It's one of the 4 Sage apps developed for Office 365 ( read more here ), which includes: A customer can access Sage Intelligence through the Office 365 portal. It includes standard financial reports and gives the user the option to edit the standard reports to make customized financial reports. It's also FREE with the O365 Business Premium subscription and integration with Sage 50. With this tool, a person in the company who doesn't have access to Sage 50, like a business owner, can still access the company's financial information. The reports can be exported to PDF or MS Excel format. sage 50 Intelligence Reporting A more customizable, alternate option is Sage 50 Intelligence Reporting; an advanced reporting solution which can be used with Sage 50. With this solution you can generate MS Excel based reports using data from your Sage 50 company file. This is a powerful tool that lets users create and customize any reports they may need from their Sage 50 data. Sage 50 Intelligence Reporting can be purchased as an add-on for Sage 50. Our sales team can be contacted at 1-888-261-9610 Monday to Friday from 6AM to 5PM PST for pricing and orders. Sage Capture The Sage Capture icon can now be found on the Cloud & Mobile page of Sage 50 2018.2. Clicking on the icon will take you to One Drive in Office 365. This icon also has an option to get the Sage Capture mobile app. It opens a webpage with more information about Sage 50cloud with Office 365 integration. Get Paid Faster! with: Invoice Payments With the Invoice Payments feature, you can get paid faster by accepting online payments from your customers by secure payment providers Stripe or Paypal. Now you know more about Sage 50 release 2018.2! In coming blogs, we'll explore the subjects above in depth. Lisez ce blog en fran ç ais Découvrez les nouveautés de Sage 50 CA version 2018.2 Was this blog useful? Kindly leave us a like and rating on the right-hand side of this page.

Forum Post: Update available for download

by andywomack @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 06:28:00 PDT 2018

Sage 50—Canadian Edition 2018.2 will be released March 26. A download link will be available in KB article 88076

Forum Post: RE: Adjustment to Retained Earnings

by Richard S. Ridings @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 16:18:00 PDT 2018

How you went from this is your first year to the fourth year of business, I don't know but I do know my best guess is still my best guess. If you are starting to do the bookkeeping for your business that didn't exist before the start date of using Sage 50, then your opening balances should be zero. So you should check to see if you have posted any entries to the Retained Earnings account or your opening balances have anything other than zero, as I recommended in my first post.

Poor, artsy Toronto Youth between 16 and 29 years can finally chill: Sketch is back, with meals!

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Thu Sep 17 13:03:00 PDT 2015

The new space at Artscape Youngplace is finally, finally, finally ready. And they're serving their first lunch this Tuesday, September 22nd.

The map and calendar on this site have been updated with the new information. If you're between 16 and 29, and you need food, check this out. If you're into making art, stick around after lunch.

Sketch can be sketchy, but its food standards have always been ahead of the pack. That's because from sourcing to serving, they're not afraid to integrate and innovate: integrate the community and innovate to solve problems. So this is an important event for Toronto in terms of food security, but even more so in terms of social change and cultural development.

Meals are an important part of the Sketch program, because they enhance the health of their participants, but they're also critical to enable access to the rest of the programming. Young poor people can't go somewhere to do something unless there's a free meal involved. That's just a fact of life. But Sketch goes beyond that and provides substantial, healthy meals. At least, historically. So only because the food works, and wakes everybody up, then you've got a ton of youth who can engage in a unique artmaking opportunity. That's what brings Sketch beyond this industry that we have of using twenty bucks of funding money to deliver five bucks' worth of food to somebody who's just traveled for an hour to get there, and employ a bunch of people in the process. The Sketch crew actually have an excuse to get paid, beyond the fact that the public is more willing to make money by providing services to the poor, than they are to just give us the money we need to take care of ourselves. Simply put, people who aren't poor don't trust the poor. If they're going to help us out, they want to get something out of it, and they want it to be on their terms, in the form of programs. We use programs to get everything. Programs that cost more than the amount we'd need not to need the programs. But some programs are actually unique, and provide a useful social service while addressing a pressing need.

So it's good to see that Sketch is finally back, with lunch. Hopefully it's good lunch. And dinner.

Director Employment & Social Services annual salary: $154,254.81 + $4,493.55 in benefits

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Nov 08 20:46:00 PST 2015

Don't worry, the person in Toronto who's in charge of us only makes between thirteen times and eighteen times what we do.

Over the past ten or so years, benefits for those who receive them have been slashed by anywhere between a third to half, depending on how you calculate it. That, plus the fumbling of people's affairs by government staff, has cost each of us somewhere between twenty and fifty grand over the same time period.

How did all this happen? It sort of started in 1995 when PC premier Harris took a fifth out of our income. So that's 22% gone. The Liberal premier that followed slashed our benefits repeatedly, in sort of roundabout detaily ways, so the public wouldn't notice, while raising benefits rates by 3% in 2005, and then 1% when Kathleen Wynne took office. So, both the conservatives and the Liberals have taken their best shot at our budget, and each of those parties and their politicians have eroded our already perfectly shitty benefits rates.

So, that's where it came from. Politicians decided that poor people should be poorer. That's simply what happened. And the public let them get away with it because they're easily fooled and willfully ignorant, and also because they totally hate us. I mean, poor people who are making middle-class money are doing it by doing jobs that middle class people aren't willing to do (because the labor code is being ignored, usually), and they're hyper aware of how much the government and middle class people look down on the unemployed. It's understandable that their work ethic is built upon an attitude of total subservient desperation. These are the people who end up dying of workplace related ailments, and just barely make it to retirement age without succumbing to all the sicknesses that their jobs have caused them. While they're still working and their illnesses haven't caught up with them yet, they have to make sure to shun anybody who finds any excuse not to work. So they have to work in solidarity with the middle-class people to minimize the money that we get, because they can't be seen as being supportive of the unemployed. So that's kind of the deal behind that. It's a combination of ignorance and hatred. But they really want you, and me, and all of us, dead or in jail, through suicide or grocery theft charges. Or the one where an officer knocks you out and then charges you with assault, that's a popular way to go down. I know personally, if an officer beat the shit out of me and then tried to sell that story to my family, they'd totally believe the officer. They'd completely buy it. Because even to my own loving family, who do totally love me, I don't have any credibility, because I don't have work, and I haven't for awhile. So... basically anybody at all can win in a he-said-she-said against me.

Think about it - would your family and/or friends stick up for you? Or would they just give the good officer the benefit of the doubt? Especially since you've been a little sketchy and a little skinny lately and you know what that means... addiction. Of course, hunger causes that too, but no. Poverty causes hunger, too, but no. It has to be drugs. If you're poor, you're on drugs. And you're fucked in the head, too. Must be. There's no other way that Canadians can become poor, ever. And if somebody does become poor like that, there's no way to help them except to teach them through suffering that nobody cares about them, and they should stop being such a pussy and bust through. So that's what people do. They man up or woman up or whatever, and become drug dealers. Because like, taking charge doesn't mean you suddenly have options. It just means you're taking options you wouldn't have before. So that's where our career criminals come from. They realize they're being edged out of the world of the healthy living, and they're like, "Oh, not only does my government hate me, but my society hates me, too... collectively, they do hate people who are like myself... that's incredible... so I'm basically at war with my own society... so, okay, if that's the way it is, I guess I'll be a pirate instead of being a civilian casualty or a soldier. Pirate is much better."

Who knows why Kathleen Wynne and Harris hate the poor so much. Their parents probably taught them to fear us. I mean, my parents taught me to fear the poor, homeless, the crazed, and of course anyone who's unemployed. They taught me that they'd steal from me. But instead, my employers and my government stole from me. Every employer I had broke the labor laws in how and why they ended employment, and most of them broke the law in how they hired me, too. Government employees lied to me in order to avoid releasing funds, and in order to suspend funds that would otherwise be released to me. Poor people haven't really stolen anything from me. Even when I wasn't poor, even when I was rich, because I was, for awhile... poor people didn't steal shit from me. The only people who stole anything from me were always way better off than I was. And they'd all done it using systems they'd set up and used on other people over and over again. Systems they'd perfected as part of their profession. It's truly been a totally shitty experience in the workplace. In all the workplaces. In the employment landscape.

Houston Attorney Thrives on Doing The Impossible – Daily

by Mr. Money Mustache @ Mr. Money Mustache

Thu Jun 08 05:53:03 PDT 2017

In this extremely wealthy country of ours, the chief barrier to wealth is often the information, or misinformation that gets stuck inside our own heads. People with the right knowledge can develop the right habits, and these habits lead them to accumulate wealth very quickly. Meanwhile, the majority of people pick up incorrect financial ideas and […]

Forget the Cheque in 2016

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Mon Jan 18 09:47:28 PST 2016

There are many reasons why replacing cheques with electronic payments not only makes business sense but, also saves cents. We want to share some of these reasons with you in our new Q + A series featuring businesses that have made the move to forget the cheque. Meet Cynthia Wing, of Wings Bookkeeping located in […]

15 Qualities of A Great Team Member

by Amara Pope @ Biz 3.0

Fri Jul 21 05:00:00 PDT 2017

When you are part of a great team, going to work in the morning feels…Read more

The post 15 Qualities of A Great Team Member appeared first on Biz 3.0.

To My Valentine Direct Deposit

by Jason Olson, CMA, VP Strategic Partnerships @ Payroll Direct Deposit – Telpay Blog

Thu Feb 13 07:27:12 PST 2014

Why do I love my direct deposit service? Let me count the ways. It is for the same reasons that I love paying personal bills with online banking – it’s easy, ultra-convenient and recipients love it! Reason #1 – It’s Easy Businesses should always be thinking of ways to become more efficient. Sending money with […]

Exporting Payroll File only

by TriSage @ Sage 50 CA Payroll - Recent Threads

Tue Feb 06 05:43:36 PST 2018

Does anyone know if I can export my payroll file only to my accountant. They do my T4s and want to start them soon but I need to finish my bank recs. I have three months to do.

Susan

Top Call Center Software Programs from A to Z

by Greg Digneo @ Biz 3.0

Mon Dec 04 08:59:31 PST 2017

Whether you’re looking for help managing inbound calls, outbound calls, automatic dialing, and capturing call…Read more

The post Top Call Center Software Programs from A to Z appeared first on Biz 3.0.

F*#K You RBC! You are the WORST – And why you should buy their stock. *Warning Vulgar Language*

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Fri Feb 23 12:56:15 PST 2018

I have had an RBC bank account since I was about 8 years old.  My parents signed me up with the Leo Lion Savings account.  I will be turning 35 this year – and have added the following RBC products over the years: RBC Visa RBC Mutual Funds RBC Line of Credit TFSA Via RBA […]

Income Sprinkling Rules for Canadian Small Business

by FT @ Million Dollar Journey

Mon Feb 12 04:30:36 PST 2018

In the Summer of 2017, the Canadian government dropped a tax bomb on Canadian small business owners with changes to how they are able to split their income.  While they had some vague guidelines, they did not have concrete rules to wrap our heads around.  All we had was speculation.  However, they have recently provided […]

The Net Income Formula: Everything You Need To Know

by Greg Digneo @ Biz 3.0

Sun Mar 18 08:57:22 PDT 2018

If you are a freelancer, you may not realize that you should be familiar with…Read more

The post The Net Income Formula: Everything You Need To Know appeared first on Biz 3.0.

Telpay Adds to its Growing List of Payroll Providers

by Telpay Incorporated @ Telpay Blog

Thu Dec 28 09:38:10 PST 2017

Telpay is pleased to officially announce that we have added the PayTickr mobile time tracking and payroll solution to our expanding payroll partner roster. PayTickr provides an easy-to-use, mobile time tracking and online payroll system for existing and new Telpay clients. Its integration with Telpay for Business™ delivers a comprehensive, all-in-one payroll and payment system, […]

CPP amounts

by tlavigne @ Sage 50 CA Payroll - Recent Threads

Mon Jan 13 06:12:24 PST 2014

Perhaps this is silly, but here goes... I have an employee with regular pay periods and Sage 50 is taking the correct amount of CPP off, fully considering the $3,500 basic exemption. If I pay out an additional amount to this employee and do it through the payroll module, it is not taking enough CPP off. I believe it is allowing a second basic exemption. How can I correct this without doing a manual adjustment every time this occurs? I am stumped!

Income Tax Filing Deals, Credit Cards, and Monday Money Links

by FT @ Million Dollar Journey

Mon Mar 12 04:30:23 PDT 2018

With the income tax filing deadline right around the corner (April 30 for personal returns), it’s time for DIYers to think about what tax software to use. Although lately, we’ve been using our corporate accountant to file my personal return, I always use a tax software to get rough numbers on whether or not I owe, […]

A Review of Toggl: Time Tracking Made Easy

by Rob Rawson @ Biz 3.0

Mon Jan 22 04:57:37 PST 2018

If you’re in the business for a time tracking device, you’ve probably heard of Toggl.…Read more

The post A Review of Toggl: Time Tracking Made Easy appeared first on Biz 3.0.

Hiring A Virtual Assistant From The Philippines: A Detailed Guide

by Greg Digneo @ Biz 3.0

Mon Jan 29 09:15:26 PST 2018

The Philippines is a powerhouse of the outsourcing industry. That shouldn’t be surprising at all,…Read more

The post Hiring A Virtual Assistant From The Philippines: A Detailed Guide appeared first on Biz 3.0.

Pay Utilities (and more) with Telpay

by Telpay Incorporated @ Telpay Blog

Mon Sep 18 12:21:59 PDT 2017

Have you ever missed a bill payment deadline? Have you come into the office one morning, only to see a “Payment Overdue” email waiting for you? It happens. Busy schedules prevent us from going to the bank, or if a payment date falls on a day we’re away from the office. That’s what makes Telpay […]

Forum Post: RE: Adjustment to Retained Earnings

by Pattie Young @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 15:28:00 PDT 2018

Actually the business started 4 yrs ago and I am just now entering everything from that date forward. I am entering in the year 2014. I am still in History mode.

What to tell people who now expect you to go into university because it's "free" for poor people in Ontario

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Oct 30 11:57:00 PDT 2016

So now that the government has been talking about introducing grants or whatever to low-income students, poor people across Ontario are probably getting flack for not jumping at the opportunity to attend university.

This is what happens. Governments make it look like something's available, and the public is split into two groups: those who don't need the program but now think it does things it doesn't do, and those who do need the program and end up finding out they can't access it, or that it doesn't work. There's all these myths that the public has in their heads about poor people, about the free stuff we can get, which we can't actually get. About drug rehab programs that don't exist. Stuff like that. Now we can add education to that list. A lot of people already thought that ODSP would pay for people's education. Now that misconception can be expected to expand. So we're going to get even more flack than we already do, for not taking advantage of opportunities that aren't actually there.

Probably the most powerful limitation of the program is that it doesn't apply to part-time students. So you have to take the plunge 100% and be a full-time student in order to apply to have free tuition. That excludes a lot of people right off the bat.

The government has been ultra vague about the program. Apparently it applies to people whose parents make less than 50k a year. So does it apply to people whose parents are outside Ontario? And how are people expected to document their parents' earnings?

Another big limitation is that people must first be accepted into a university program, and then apply for a grant. So does that mean that the grant is actually a loan, meaning it's not actually free? And is there a limit to the number of people who will be given the grant? Will there be waiting lists? Who knows. Anybody who's applied for the HSF knows about the difference between public perception and policy reality. The public thinks poor people can have their moving expenses paid for, and poor people end up using shopping carts and the TTC to move.

So it'll be interesting to see how this actually works out. For a program that's supposed to come into play very, very soon, there's not much information available.

Business Process Outsourcing: 7 Trends to Expect in 2018

by Greg Digneo @ Biz 3.0

Mon Nov 20 06:18:18 PST 2017

Innovation, new technologies and global competition are the constant driving forces behind growth and expansion…Read more

The post Business Process Outsourcing: 7 Trends to Expect in 2018 appeared first on Biz 3.0.

RE: New Alberta Stat Holiday Pay

by Marj@Swab @ Sage 50 CA Payroll - Recent Threads

Mon Feb 26 07:39:32 PST 2018

Nope doesn't work for us.  We are oil and gas industries where these guys work anywhere from 6 to 20 hour days.  We have to add up all hours (less overtirme) in the 28 days for each type of pay - rig, shop and travel and then do the vacation calculation, add it all together and take the 5%. 

Forum Post: RE: Customer deduting GST from our invoices

by Tipsy5 @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 13:32:00 PDT 2018

I am not sure. I just saw it yesterday when I logged to the vendor’s portal. I am going to call their AR and ask on Monday. My question is do you guys have the similar experience with the big leading stores in Canada? That must be a reason why they deducted the GST. Also, we’ve issued the invoices. They only thing that’s left to do is to go into Sage and “create receipt” for this particular customer. But using my previous example, the invoiced amount was $210 with GST. They only sent $200 into our bank account, what am I going to do with that shortage of $10? Kindly advise, thanks

Not so fast

by Garth Turner @ Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate

Sun Mar 25 09:43:44 PDT 2018

Last March Rob Alexander was a happy guy. Houses were flying off the shelf. Agents were ecstatic. Sellers were raking it in. “Unprecedented” was the word Rob chose to describe what was happening in Barrie, the burg 110 km north of the Big Smoke, which is now part of the commutershed. “Monthly home sales in […]

How to Maximize PC Plus Points

by FT @ Million Dollar Journey

Mon Dec 04 04:30:15 PST 2017

A little while back I wrote about how to maximize the AIR MILES program which is a very popular loyalty program in Canada.  However, I admitted in the article that I’m more of a passive AIR MILES collector where I generally prefer cash back as a reward because it can’t be diluted or expire.  Although […]

Financial Freedom Update (Q1) – March 2018 ($37,550 in Dividend Income)

by FT @ Million Dollar Journey

Mon Mar 26 04:30:55 PDT 2018

Welcome to the Million Dollar Journey March 2018 Financial Freedom Update – the first update of the year!  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How?  I plan on building my passive income sources to the point where they […]

Lentils, Oatmeal and Eggs: Three foods that can save a poor person's budget

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Sep 20 10:20:00 PDT 2015

If you live with an inadequate grocery budget, and you're mixing soup kitchen meals with home-cooked meals, then you want to make sure your grocery store purchases actually save you money and give you more free, productive days that are your own. For a soup kitchen user, the ultimate luxury is being able to have at least one meal at home, per day. Ideally, two meals, breakfast and dinner.

There's three foods that will save you lots and lots of money, lots of time, and lots of headaches. The lentils and eggs are especially good when combined with vegetables from the garbage or food banks. None of these things need refrigeration (even the eggs), and they're super cheap and easy to prepare:

Lentils are good poor person food: they're cheap, they're high in protein, and unlike beans, they can be boiled up without pre-soaking, so they're fast to make. Maybe a half-hour. Just stick them in water with a tiny bit of salt, bring them to a boil and hold them at a simmer, and after about fifteen or twenty minutes of this, you start checking them every ten minutes or so to see if they're soft yet. While they're coming to a boil, add any veggies you've got lying around. Chop the veggies up super fine, or shred them with a cheese grater. Season them with whatever spices you want. The result is a really clean, neutral meal. The perfect hangover meal. If you've always got some of this lying around, you'll always have some protein handy.

Oatmeal is so easy to work with, and has such a nice balance of protein, carbs and fats built into the oats, that it makes a great breakfast, as well as a great evening snack. There's no real point in using instant oatmeal, because it doesn't have much nutritional value, and doesn't really save that much time. Just regular oats are super quick, and fine-cut oats are even faster. With any oats you have, all you have to do to cook them perfectly is make sure they're covered, bring them to a boil, cut the heat, and let them sit there 'til they're cool enough to eat. By that time, they'll be perfectly cooked. Use twice as much water as you have oats. A cup of oats is enough for one meal. Add a tiny amount of salt at the beginning. While it's coming to a boil, add raisins, nuts and some chopped-up fruit if you have it. But even if you can't add anything, it's still good. To make it ultra deluxe, stir in a bit of sugar and a bit of coconut oil, after you've cut the heat, before it's started cooling off.

Eggs are the quickest protein you can find, and it's easy to make them taste great. Heat them up in whatever way is easiest for you. But if you chuck a few eggs in a pan, break the yolks, and grate some veggies, like sweet potatoes, yams or greens, over top of the eggs. Then later on you can fold the eggs over and you've basically got a lazy-person's omelette. Dash of salt at the beginning, pepper too if you have it, basil's great, and yeah, any finely-chopped stuff you can add to it.

Whether you're working with a campsite fire pit, a community kitchen at a drop-in, or a ghetto kitchenette in a rooming house, these three foods can tie your days together, and bracket those big mid-day soup kitchen meals with a little home cooking.

If you do start doing breakfasts at home, you'll end up wanting to do coffee, too. So here's a little bonus tip for making yourself great coffee for free: Used espresso grounds from coffee shops. You know the little puck-shaped things that they throw out after making espresso out of them? Get about five of those and you can boil up an amazing pot of coffee. Like, a whole pot. So like, three big cups. And it's way better than soup kitchen coffee. Just bring your water to a boil, add the coffee, be prepared for it to boil over, so maybe put the pot in the sink when you're adding the coffee, and stir it in gradually. Then when the coffee's added, put the pot back on the heat, cover it, bring it to a boil, and boil it 'til it stops being foamy. Then either wait for the grains to settle before pouring it into a cup, or use some cheesecloth to strain out the grains as you pour the coffee.

Savers Roundup March 2018: GIC rate comparison table, EQ Bank GICs, and Brim Financial and Scotiabank launch no-forex fee credit cards

by Peter @ Canadian High Interest Savings Bank Accounts

Wed Mar 14 09:32:55 PDT 2018

New GIC rate comparison table Over the last month, none of the financial institutions that we track have changed their regular savings account interest rates. However, GICs are dominating the discussions in our forum. As a result, we’ve launched a GIC rate comparison table that tracks all of the financial institutions that are on our…

Mutual Fund – Mutual Funds – Mutual Funds Canada

by James Dean @ Canadian Capitalist

Wed Oct 18 22:40:28 PDT 2017

The Canadian Mutual Fund Market is worth over 1.1 trillion dollars. A considerable amount of assets under management also known as Canadian’s hard earned money… Read More ›

Payroll - meal allowances - how can I recode a years worth of meal allowances that were posted to an asset account rather than expense account?

by A Adele @ Sage 50 CA Payroll - Recent Threads

Tue Feb 06 18:06:46 PST 2018

Hi

New to this - hope I'm posting correctly. I just started in the midst of year-end with a company & am compiling & reviewing the financial statements.
Looking for advice on how to re-code a years worth of payroll entries -- whereby the 'meal allowance expense' portion of each employees pay cheque was automatically posted (linked accounts) to a balance sheet account rather than the expense account.

I have 1-2 thousand entries that this impacts where I need to reclassify from the balance sheet to the expense account.  ---- Is there a quick way to do this?   Keep in mind I need the amounts to be associated to the employee +  allocated to a large number of different jobs.

Originally I thought of posting a general journal wiping out the entire balance at the total amount for the year (single amount) and posting that total to expense (dr. meal allowance expense, cr. meal allowance receivable (the odd/error balance sheet account the payroll was linked to for meal allowances)), but then my job allocations wouldn't be accurate as it is allocated to job BY EMPLOYEE.

If I go the general journal route and code the journal entry by employee (rather than sum amount - so I can properly allocate to the jobs), I'd be looking at thousands of lines for the JEs. 
However, with the general journal route I can't actually link/associate these meal allowance amounts to the employees they stem from - thus my employee records for meal allowances wont reconcile to the total amount of meal allowances expenses in the GL. Hard to articulate this --- but I want to ensure I still have the total meal allowances per employee for the year tracked & know it's accurate in the payroll module. 

I also thought of creating a spreadsheet to summarize the weighting of each job, and post the total re-class with a weighting towards each respective job...  however...  again... my employee year to date meal allowance amounts may not reconcile to the total meal allowances expense GL. 

I'm not familiar with 'adjustments' in the payroll module especially when it's a simple account re-classification...Any input would be greatly appreciated --- payroll and the payroll module are not my forte! 

Thanks in advance!!

So, if this site makes money at some point, what's the craziest way we could spend it?

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Nov 08 23:33:00 PST 2015

At some point, this site might get enough traffic to make money off AdSense ads. Assuming it's even a polite enough site to qualify.

But if money was raised from this site, what would be the absolute most awesome way to spend it? I've thought of various things, like sponsoring a vitamin program in a soup kitchen, or trying to sponsor some allergen-free, organic meals, or make the first organic food bank or something... but that's all just piling on to a system that sucks bad enough already. Probably Food Not Bombs would be a good choice for donating to, but it'd be nice to spend it on something political. Something that could create change. I mean, it'd be silly to do something big and flashy when we could just feed people, but is there some kind of publicity stunt we could pull that would shame the province? That's what we all really want, isn't it? To shame the province and the public into giving up on their oppression campaign against us. Or maybe to inspire them into it?

I'd like to get some feedback... let's say we had a thousand bucks to throw around. What would be a really great way to really hurt the politicians who've been hurting us? It'd be great to be able to reach out and really, really hurt them, badly. Politically. Like, what could we do to punish Mike Harris, with a thousand bucks? Or Kathleen Wynne, or Dalton McGuinty? Could we like... buy an attack ad on all three of them? Could we buy an attack ad against our own society at large? Maybe we could buy some radio ads, like PSAs, with some of OCAP's "poverty by the numbers" stuff quoted?

Or maybe we could make a documentary about systemic, strategic, manufactured poverty in Ontario and the rest of Canada?

Why Bitcoin is Stupid

by Mr. Money Mustache @ Mr. Money Mustache

Tue Jan 02 16:32:23 PST 2018

Well, shit. I’ve been watching this situation for a few years, and assuming it would just blow over so we wouldn’t have to talk about it here in this place where we are supposed to be busy improving our lives. But a collective insanity has sprouted around the new field of ‘cryptocurrencies’, causing a totally […]

How a Journal Completely Changed My Finances

by Guest Writer @ Budgets Are Sexy

Mon Mar 12 02:02:20 PDT 2018

How a Journal Completely Changed My Finances

[Oh do I have a good story for you guys today!! I hope you like long-form posts, because my man Ryland from TheHiddenGreen.com stops by the blog today to pour his heart out to us… Amazing how much your life can change when you find something that *clicks*! And shockingly, it wasn’t a budget that did it for him ;) Take it away, Ryland!] ******** […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

A few legit comments have been tagged as spam, sorry... it's been fixed

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sun Nov 08 20:55:00 PST 2015

So... Blogger's a bit funny sometimes... it tries to help out, you know... but it tagged a few people's posts as spam, omitting them for that reason. It didn't catch any actual spam, either. This, added to the fact that their search feature absolutely will not work, almost has me reaching for another CMS. Unfortunately, WordPress is an absolute filthy, stinking pile of vomit-encrusted fecal insanity, and the other ones aren't worth mentioning. Unless there's another one that is worth mentioning, in which case, please do mention it below, in the comments. Because at some point, Google is going to realize I'm using their product to criticize my government's murderous weaponization of their benefits programs, and I'll lose my Blogger account. It's like any job, no matter how carefully you follow the rules, there's always something they can nail you on. They make sure of it. So at some point it will need to switch to another service. If things really come down to it, of course, I can just make the whole thing in HTML and CSS. After all, that's what I used to do for a living. Before reality caught up with me.

Qualifying: How to Make Sure Clients Are a Fit

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Tue May 12 13:30:51 PDT 2015

As much as we would like you to sign up all your clients with Telpay, it is also important to make sure that Telpay is a fit. That is why qualifying right off the hop is very important. Just like qualifying in sales, it’s all about asking the right questions to make sure the needs […]

Introducing The MMM World Headquarters Building

by Mr. Money Mustache @ Mr. Money Mustache

Wed Aug 02 07:04:26 PDT 2017

Almost exactly six years ago, I wrote a simple post about a pawn shop opening up in my town. It was during the very early days of this blog, and I figured it was an easy way to take some shots at that financially predatory industry. Also, the shop was called Mister Money, which had […]

Forum Post: RE: Customer deduting GST from our invoices

by Richard S. Ridings @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 14:10:00 PDT 2018

The reason I asked why they deducted the amount is because you asked what to do. Without knowing why, you can't determine if you should post a discount or include GST in the deduction of revenue because they may feel you had billed too much to begin with. [quote user="Tipsy5"]My question is do you guys have the similar experience with the big leading stores in Canada? That must be a reason why they deducted the GST.[/quote] What must be a reason? From what I have heard, the "big leading stores" will do what they want with the smaller vendors. I don't have any direct experience with any. Maybe someone else does.

Mr. Money Mustache, UBER Driver

by Mr. Money Mustache @ Mr. Money Mustache

Wed Nov 22 09:43:45 PST 2017

Unrelated Surprise: Did you know there is now an MMM Android App? It’s really good. Beautiful offline reading. Alerts you to new articles automatically, if you want. Thousands of users already. Free. Many more features (plus an Apple version) to come. It’s on the Google Play Store. —- About two years ago, I switched from taking […]

How Much Is In Your Checking Account Right Now?

by J. Money @ Budgets Are Sexy

Mon Mar 26 02:02:48 PDT 2018

How Much Is In Your Checking Account Right Now?

Got a quiz in my email this morning and thought we’d have some fun with it :) Hi Jay, We’ve used checking account balance data to develop a quiz that ranks your checking account balance relative to your peers in the US. We also tell you know how much banks are earning from you. Check it out: https://www.hibenjamin.com/blog/quiz-rank-checking-account-balance-vs-peers/ I thought your readers would find this interesting. […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

Building Relationships With Electronic Payments

by Jason Olson, CMA, VP Strategic Partnerships @ Payroll Direct Deposit – Telpay Blog

Mon Mar 17 00:36:43 PDT 2014

Everyone likes getting paid. When your business uses electronic systems to send money directly into bank accounts, it says a lot. I once had a client tell me; ‘When I send money electronically, it makes my business look more professional, as if we are bigger than we are.’ As some of you may know, Telpay’s […]

Start using payroll

by NS1 @ Sage 50 CA Payroll - Recent Threads

Tue Feb 20 11:06:45 PST 2018

I recently started with this company and just started using Sage50C in August.  Currently, our payroll is being handled by a separate company - -they just send me the semi-monthly entries to upload into Sage.  I am considering bringing in this function in-house, so i know i'd have to unlock the payroll module and get another payroll add-on for direct deposit.  I can't say i'm familiar with payroll at all, I've had no experience managing/handling it.

My question is, is it difficult to set up the payroll module and to manage payroll given that I have zero experience in calculating any deductions, benefits, wcb, etc?

Is there a way to run the payroll module to test if its giving me the same entries as what is currently provided to me by the third party?

Any advice?

Thanks!

RE: reversing payroll advance without access to payroll module

by brea @ Sage 50 CA Payroll - Recent Threads

Fri Mar 16 06:42:22 PDT 2018

Hi:

To clear this advance, go to the individual within payroll and record the advance having been paid back in your current year(I would probably date it January 1st). Look at the report of the entry to be made and print it then record(post) the payroll advance being paid back but make any adjustments to vacation pay before posting. Make a journal entry to record the accounts affected and the bank to be credited to clear the original advance and the advance being paid back.

Hope this helps!

Exposed! The MMM Family’s 2016 Spending!

by Mr. Money Mustache @ Mr. Money Mustache

Fri May 19 11:44:03 PDT 2017

Well, I might as well come clean on our spending for last year.  It either went up, or way up, depending on how you want to account for things. Every year, this annual report seems to come out a little bit later – mostly because I’m no longer all that interested in how much money we […]

46 Tips To Save You Time, Money, and Trouble (From The 1950’s!)

by J. Money @ Budgets Are Sexy

Wed Mar 07 02:02:53 PST 2018

46 Tips To Save You Time, Money, and Trouble (From The 1950’s!)

Here’s something you don’t see every day: a pamphlet from 1958 giving you over 300 tips “to save you time, money and trouble!” Found it on Ebay for $3.00 and just had to pick it up for the blog :) (You’re welcome) There’s a ton of stuff that’s no longer applicable (sewing machine tips, typewriter hacks, and a bunch of not-so PC comments around house […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

#Overheard At The Coffee Shop: Volume IV

by J. Money @ Budgets Are Sexy

Fri Mar 16 02:04:41 PDT 2018

#Overheard At The Coffee Shop: Volume IV

Welcome to another edition of me “accidentally” hearing other people’s conversations! And then them “mysteriously” landing on this blog here! You know what they say – what happens at coffee houses does not stay at coffee houses ;) And we’ve got a ton to offload on ya today too as they’ve been adding up over the year since our last one and cracks me up […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

The Best Canadian Dividend ETFs 2017

by FT @ Million Dollar Journey

Mon Nov 20 04:30:47 PST 2017

This post was originally written in 2015 but I have updated it due to recent questions about the top Canadian dividend ETFs available.  Check out the new entrants below. Dividend investing has been a part of my portfolio strategy since I started MDJ but with a bit more focus on building that portion of the […]

RRSP.ORG – Registered Retirement Savings Plan

by James Dean @ Canadian Capitalist

Fri Dec 01 19:51:35 PST 2017

Registered Retirement Savings Plan RRSP.ORG Canadian Registered Retirement Savings Plan Organization is exactly that; the organization part of the best gift Canadian’s could get from… Read More ›

Forum Post: RE: Customer deduting GST from our invoices

by Ginkgo Bike @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 13:43:00 PDT 2018

I would wait until you find out why they are not paying the GST and if they will pay it, before getting into a long explanation of how to handle a situation that may not apply.

Quebec tax

by Tandin Phurba @ Sage 50 CA Payroll - Recent Threads

Mon Feb 05 05:35:02 PST 2018

Hi,

I upgraded my sage to 2018.01 version  and changed the basic personal amount for Federal to 11809  and provincial amount to 15012.

the tax amount for Federal is matching with PDOC however the Quebec tax is not matching with Winras. please help me. thanks  

The Rise of Slack and The Death of Skype

by adamwintle @ Biz 3.0

Fri Oct 27 08:43:13 PDT 2017

Will Slack ever defeat Skype? We counted the odds.…Read more

The post The Rise of Slack and The Death of Skype appeared first on Biz 3.0.

Tax is not coming in or calculating when I try to do a paycheque ?

by MMatthewsHFX @ Sage 50 CA Payroll - Recent Threads

Wed Feb 07 12:57:45 PST 2018

Tax is not coming in or calculating when I try to do a paycheque?

Quebec income tax after patch

by DanC @ Sage 50 CA Payroll - Recent Threads

Sat Jan 13 12:02:56 PST 2018

Hi

I use payroll in Québec. Sage warned its users there was a problem calculating income tax. Sage released a patch, I installed it.

I see no difference in Income tax before and after patch.

Someone out here had the same issue? How did you solve it?

Regards,

Danielle

Allow default email templates to be changed in multi-user mode

by CK1 @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 12:55:00 PDT 2018

We run a business that sends out electronic invoices for quite a few different products. We recently had to hire a new employee for which the bulk of their job is sending out electronic invoices/statements/etc. She will send out invoices for numerous different products every day. Because she cannot change the default email template for invoices without going into single-user mode, she has to use a generic email template that basically says 'You have bought one of our products. Here is your invoice.' We have recently discovered that quite a few clients are not even opening the attached invoice as they don't know exactly what it is for and think it could be a virus. For her to change the body of each email would be way too time consuming as she sends out hundreds of invoices daily and for her to change the default email for invoices template for each product group she is invoicing would entail the rest of the user signing off and closing the software so that she could switch to single-user mode, change the template and have everyone else start up again and continue their work. Vendor lists, client lists, plus a lot of other things can be changed while in multi-user mode - things like default emails should be as well. This issue is seriously making me reconsider which accounting software we use at my business. Thanks!

The Best of Million Dollar Journey: 2017 Edition!

by FT @ Million Dollar Journey

Sun Dec 31 04:30:55 PST 2017

Wait! What? Where did 2017 go? It must be an age thing, but it feels like as I get older, time goes by faster. I started this blog in December 2006 as a 26-year-old youngster. At the time, just married with no kids and a newish mortgage. Blink and now it’s December 2017, MDJ is […]

Mutual Funds Newsletter

by James Dean @ Canadian Capitalist

Sat Nov 18 14:53:17 PST 2017

The Canadian Mutual Funds Newsletter Mutual Funds Newsletter – Canada Mutual Funds Newsletter what’s it worth to you when the mutual fund market is set… Read More ›

Forum Post: Unable to open Sage since March 16th.

by VictoriaS @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 19:25:00 PDT 2018

We are using 2011 version of Sage on Windows 10. The system times out when we are trying to open the database with the message "Sage not responding". It looked like there was a Windows update around the same time so we backed it but the same message appears. Before I do anything else I thought I would check with people who know more than I do. Thank-you everyone for any help that can be given. Victoria

The Art of Delegation: Developing This Essential Managerial Skill

by Rob Rawson @ Biz 3.0

Mon Nov 06 02:37:23 PST 2017

Have you ever wanted a clone of yourself? You know, so you can finish all…Read more

The post The Art of Delegation: Developing This Essential Managerial Skill appeared first on Biz 3.0.

Hey, Ms/Mr Engagement Pictures: A $31,000 Wedding Probably Isn’t Worth It

by Amanda Holden @ Young And Thrifty

Sun Mar 04 20:12:44 PST 2018

I don’t think I’ll ever have an elaborate wedding. This is partly due to the fact that I haven’t met the right guy, but also because I’m suspicious of weddings. So take my opinion with a coarse grain of bespoke Himalayan sea salt; maybe this’ll change when the man of my dreams proposes and I…

Hey, Ms/Mr Engagement Pictures: A $31,000 Wedding Probably Isn’t Worth It first appeared on Young And Thrifty

reversing payroll advance without access to payroll module

by Workshop @ Sage 50 CA Payroll - Recent Threads

Thu Mar 15 15:13:55 PDT 2018

I have a balance on a payroll advance account from a previous year. I can't access the account through the general ledger even if I unlink it and make it an "other asset"

I no longer use the payroll module so everything is grey and I probably couldn't access the pay cheque anyway since it is from at least 2 years ago, prior to my joining the company.

Does anyone have a bright idea on a workaround for me?

When I look at the current year to date for all employees all is showing 0.00 other than this amount sitting there for one employee. 

I need to clear the account since it is part of cleaning up the books at this point.

Thanks for any and all help.

RE: Non Taxable Benefits where Employer and Employee Pay 50%

by CarolCraig @ Sage 50 CA Payroll - Recent Threads

Thu Feb 22 13:19:05 PST 2018

Wouldn't you put this under deductions rather than income since it is a deduction being done with the employee's benefit amount that they are paying. 

CanadianForex review: great foreign exchange rates and support

by Peter @ Canadian High Interest Savings Bank Accounts

Sun Jan 04 16:55:46 PST 2015

I’ve been using XE Trade for a few years for personal currency exchange and international funds transfers for my small business. I started to try CanadianForex a few months ago and have been very pleased with its rates and support. The basic premise is relatively straightforward and the same as XE Trade: you submit currency…

Retention and new deposit promos, Alterna’s launch, and the bloom is off the EQ rose?

by Peter @ Canadian High Interest Savings Bank Accounts

Sun Sep 11 11:23:15 PDT 2016

In January 2016, EQ Bank launched to great fanfare. After years of seeing continuously dropping high interest savings account rates, were things turning around for Canadian savers? EQ Bank made a splash with a 3% interest rate, and quieted some skeptics when it boldly stated that it “is not a promotional rate; it is our…

Freelancer Review: Gamify Your Online Talent Search

by Amara Pope @ Biz 3.0

Fri Aug 11 05:00:19 PDT 2017

Freelancer.com is another popular digital freelance marketplace similar to Upwork. (Read our detailed review of…Read more

The post Freelancer Review: Gamify Your Online Talent Search appeared first on Biz 3.0.

Please, share your meal times info... the calendar is out of date

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Mon Dec 14 13:28:00 PST 2015

The calendar hasn't received major updates recently. And the special TDIN holiday meal listing is so incomplete, it's hard to use it as a guide. They've also been sketchy on the accuracy of the listings in the past. The calendar is supposed to be reliable, but it's not. Not really. There's been some good feedback on meal program specifics so far, and that's been awesome. Please - keep it coming, and we need more. At some point, the calendar will be replaced with one that's easier for the public to work on without logging in and something. Like a wiki calendar, wiki map, that kind of stuff.

Trying to keep the calendar up to date, without actually using the meal programs, leads to a lot of dead ends like these:

What's the deal with Masaryk Cowan? Does anybody know if they're still doing breakfasts, or whether they have any extra holiday meals or closures? Their answering machine is full. Is there an email address for them?

The Salvation Army's Gateway website doesn't exist. They're also really bad at publishing their contact information, and promoting their meals. 211 thinks they have a saturday dinner program. Is it saturday, or is it every 2nd tuesday?

Et cetera, et fucking cetera. Every org does not communicate with its users. Exactly why this site exists. Ask soup kitchen staff why they find publishing to the net so impossible. Go ahead and ask them. They could use Blogger, they could use Facebook, they could use the sites that they already have, but no. It's all just too difficult. It's too much. Too much hassle. Too much co-ordination. I mean, the only reason they have flashy websites that are hard for them to update, with blank calendars that have never been added to by staff, is that they need a placeholder site in order to get funding. That's what it's there for. All the meal programs info that we do see, or any content aimed at their users, is a generous fucking afterthought, and one that cost them extra money.

So please, users, share your research. Share your schedule! Please. It matters right now more than usual because it's the holidays, but really, it's going to matter next month much, much more than it does this month. It's gonna matter during January, where we have to go six weeks between payments instead of four. So we're 50% poorer in January. January's the craziest month because of the lack of money, December's the craziest month because of unexpected holiday-related closures. So between those two problems, This site becomes more important than it is during the rest of the year.

RescueTime Review: Employee Tracking to Improve Team Productivity

by Rob Rawson @ Biz 3.0

Mon Jan 01 03:42:51 PST 2018

How many hours does your remote team spend on tasks? Are they taking too long…Read more

The post RescueTime Review: Employee Tracking to Improve Team Productivity appeared first on Biz 3.0.

Payroll cheques

by Joya D @ Sage 50 CA Payroll - Recent Threads

Sat Feb 17 12:32:05 PST 2018

When I go to create a paycheque in Sage 50c, Sage does not seem to automatically calculate CPP, EI or taxes until I actually click on the box where it should calculate it. Is that normal?

10 Surefire Tips to Improve Teamwork In The Workplace

by Amara Pope @ Biz 3.0

Fri Aug 04 07:00:05 PDT 2017

It’s obvious to see that an organization benefits when its employees are working together synergistically.…Read more

The post 10 Surefire Tips to Improve Teamwork In The Workplace appeared first on Biz 3.0.

RE: reversing payroll advance without access to payroll module

by Workshop @ Sage 50 CA Payroll - Recent Threads

Mon Mar 19 09:27:27 PDT 2018

Thanks Brea. I'll take a look again but I am 99.9% sure that I can't touch anything to record it being paid back since I no longer have access to the payroll module. 

Thanks for the help,

Barbara

Running total of hours worked

by Bluejay @ Sage 50 CA Payroll - Recent Threads

Tue Mar 27 13:48:46 PDT 2018

Is there a way to keep a running total of hours worked (i.e. lifetime hours)?

February Update: Breaking Records, New Purchases & More

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Wed Feb 28 13:45:57 PST 2018

Another month has come and gone – which means time for the monthly update post! Personal Highlights for February: Finished reading “Predictably Irrational” by Dan Ariely.  Was a pretty interesting read – and reminded me of one of my favourite books “Thinking fast & slow”.  Currently looking for book recommendations on what to start next.  […]

Forum Post: Running total of hours worked

by Bluejay @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 13:48:00 PDT 2018

Is there a way to keep a running total of hours worked (i.e. lifetime hours)?

Exchange-Traded Funds – Canadian ETF Newsletter

by James Dean @ Canadian Capitalist

Wed Nov 29 21:04:49 PST 2017

Exchange-Traded Funds – ETF’s Canadian Exchange-Traded Funds – Exchange Traded Funds Canada The Canadian mutual fund industry is worth over 1.1 trillion dollars and is… Read More ›

Does this count as a side hustle? Also I made a *New Purchase*

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Wed Feb 14 19:39:32 PST 2018

I see a lot of personal finance bloggers talk about side hustles. This is just a “cool” way to say make some extra cash on the side.  People do all sorts of things (monetize their blogs, complete surveys, drive Uber, rent out their home on AirBnB, etc.  I don’t really have the desire or time […]

Multi Currency Support for Stripe

by Catherine.Grant @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 10:30:00 PDT 2018

Stripe supports multi currency, why doesn't Sage50?

Top 6 Secured Credit Cards for Canadians

by Samantha @ Life on Credit

Sun Oct 29 06:53:30 PDT 2017

This post has been updated on Oct. 29th to reflect new developments in the Canadian secured credit cards markets. Many years ago I got my first credit card from CIBC, and because I had no credit history I had to settle for a secured credit card. The card had $500 limit, which I had to […]

Sleepy Mini Portfolio Q1-2014 Update

by Ram Balakrishnan @ Canadian Capitalist

Tue Mar 25 18:16:04 PDT 2014

The Sleepy Mini Portfolio was launched in 2007 to demonstrate how a mechanical investment program can slowly but surely build wealth over the long term.… Read More ›

Savers Roundup December 2017: saving the TFSA transfer fee, GIC rates on the rise, and a short-lived 4.00% promo

by Peter @ Canadian High Interest Savings Bank Accounts

Wed Dec 13 22:55:27 PST 2017

Advantages of TFSA withdrawals in December If you are planning to move your TFSA funds from one financial institution to another, withdrawing funds from your current TFSA in December and then depositing them in the new financial institution in January has some advantages. Most institutions charge a transfer fee for moving TFSA money elsewhere, and…

reversing payroll advance without access to payroll module

by Workshop @ Sage 50 CA Payroll - Recent Threads

Thu Mar 15 15:13:55 PDT 2018

I have a balance on a payroll advance account from a previous year. I can't access the account through the general ledger even if I unlink it and make it an "other asset"

I no longer use the payroll module so everything is grey and I probably couldn't access the pay cheque anyway since it is from at least 2 years ago, prior to my joining the company.

Does anyone have a bright idea on a workaround for me?

When I look at the current year to date for all employees all is showing 0.00 other than this amount sitting there for one employee. 

I need to clear the account since it is part of cleaning up the books at this point.

Thanks for any and all help.

Morning Meeting Activities: 31 Ways to Run Engaged Meetings

by Amara Pope @ Biz 3.0

Sat Aug 26 05:00:02 PDT 2017

Jon: How was the meeting? Bob: Well… the donuts made the hour-long meeting worth it.…Read more

The post Morning Meeting Activities: 31 Ways to Run Engaged Meetings appeared first on Biz 3.0.

Canadian Financial Literacy

by James Dean @ Canadian Capitalist

Sat Nov 04 17:44:29 PDT 2017

November November November; the cold gale winds of November. What comes to mind when one thinks of November. In The Cold November Rain another great… Read More ›

No Access to Pier Report

by WWynn @ Sage 50 CA Payroll - Recent Threads

Sun Feb 18 12:17:31 PST 2018

HI,

Even though I have the Silver Care service plan my system won't let me view the PIER report.  Sage asks me to validate my service plan, it does and thanks me for having a service plan which includes payroll, but still won't let me have access to the report - why?

Thank you,

Wendy

Begging

by Garth Turner @ Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate

Fri Mar 23 14:57:46 PDT 2018

So stock markets laid an egg again Friday. They’ve rolled back to last-November levels. The S&P just had the worst week in two years. The Dow, too. Bay Street has shed 6% this year. Investors finished the week looking for tables to crawl under. Bonds went up. Gold, too. Volatility spiked. Thank goodness for those […]

Savers Roundup April 2017: credit cards get worse, Motive Financial, and concern for Oaken Financial

by Peter @ Canadian High Interest Savings Bank Accounts

Fri Apr 28 08:10:52 PDT 2017

Amazon Visa discontinued Some people who make a lot of purchases across the border have found great value in the Amazon Visa. Although it only provides a mediocre 1% cash back rewards system, it does not charge foreign currency exchange fees that usually amount to 2.5%. However, as of early April 2017, you can no…

Electronic filing of T4 summary

by cb_canada @ Sage 50 CA Payroll - Recent Threads

Wed Feb 14 14:52:27 PST 2018

This is my first time using sage to file T4's electronically. I went through all the steps and an XML document was created, however as far as I can tell there was no T4 Summary created. Is this correct? My issue is, I did not have my remittances set up in sage for 2017 so my T4 summary is incorrect unless I am given an option to put an amount in the "other remittance" box. I can only do this however if I print to paper. Am I missing something? Is there another step for the summary when submitting electronically or does the summary have to be submitted on paper regardless or is a summary not required for an electronic submission? 

CPP deductions

by Joya D @ Sage 50 CA Payroll - Recent Threads

Sat Feb 17 12:30:22 PST 2018

Does sage 50 automatically remove the CPP basic exemption?

The Best Indexing Solution? All-in-One Balanced Vanguard Indexed ETFs

by FT @ Million Dollar Journey

Mon Feb 26 04:30:42 PST 2018

When I wrote an article about how my American friends can easily index their portfolio with Vanguard Target retirement funds, I was wondering when/if these products would come to Canada. To rewind a little, the Vanguard retirement funds allow you to pick a fund based on the year that you want to retire. The fund […]

The Right Payment Fit For You!

by Cheryl Mains, Marketing Coordinator @ Telpay Blog

Wed Jan 31 16:52:59 PST 2018

Telpay’s all-in-one payment system, Telpay for Business has more features than you may know. Which features are you using and which ones are you not? More importantly, which features are the right fit for you and your business? For example, Telpay for Business not only processes payroll direct deposit but it also allows you to make […]

Can The Stop take the lining up out of lining up?

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Mon Nov 09 13:08:00 PST 2015

The Stop is trying something monumental. They're trying to innovate their way into a more convenient food bank experience. They're trying to hack one of society's most evil necessary evils: the line. And they might have succeeded.

So here's their scheme: they just don't throw people's tickets out of the stack if they're not around when their number's called. They just keep calling everybody's numbers, in order, until they're at the end of the list, and then they start over. Apparently. This is the before-actually-experiencing-it article. So the idea is, you decide when you want to come back, and whenever you do come back, your wait time will be quick enough that, overall, you're spending less time waiting, and you're not waiting until significantly later in the day to complete the task.

The schedule, as of late 2015, is:

10am hand out numbers for the food bank
11am food bank starts up
noon: lunch in their meal program
Food bank numbers are called all afternoon. They're called in sequence, even if they've already been called and the person hasn't been there. So people can bail out and come back whenever they want in the afternoon, and whenever they come back, their place in line has basically been held.
3pm they close, so you can show up at 10am and then go do some other stuff, and come pick up your food in the afternoon. So you can avoid the entire lunch scene, if you want.

Everybody be warned and tell your pregnant or breastfeeding friends that Wednesdays is on reserve for them. If you're not pregnant or breastfeeding, don't come Wednesdays.

And they're not doing the food bank on Tuesdays anymore. So it's just Mondays, Thursdays and Fridays.

Also, men really should consider going to the monday men's cooking program. Because apart from learning cooking stuff, you get a meal during the program, and at least another meal to take home with you, so that's two meals just for learning some kitchen stuff.

Money and Confidence are Interchangeable

by Mr. Money Mustache @ Mr. Money Mustache

Fri Mar 09 11:06:56 PST 2018

So, I’m assuming you are here reading this because you want to get yourself some more money. And since this is Mr. Money Mustache and not a standard financial publication, you’re willing to think about the bigger picture: Not necessarily “Maximum money at all costs so I can have a nice, spendy retirement!” More like “A […]

High Interest Savings Accounts at Discount Brokers

by Ram Balakrishnan @ Canadian Capitalist

Sat Nov 11 07:00:35 PST 2017

High Interest Savings Accounts Best Rate Around HIGHINTERESTSAVINGSACCOUNT.CA [Note: This post is being updated as of November, 15, 2017 to note a couple of recent… Read More ›

Blog Post: Découvrez les nouveautés de Sage 50 CA version 2018.2

by Erzsi_I @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 08:00:00 PDT 2018

La version de Sage 50 CA 2018.2 sera disponible pour tous les clients sur un plan Sage Business Care à partir du 26 mars 2018. Notez également que le soutien pour Sage 50 2017 sera arrêté le 31 mars 2018. Quoi de neuf chez sage ? De la renommée des produits sur le Sage Business Cloud aux améliorations avec l'intégration Office 365 de Sage Intelligence Reporting et / ou de Sage 50 Intelligence Reporting, il y a beaucoup de nouveauté avec la mise à jour 2018.2! Nous aimerions vous présenter le Sage Business Cloud. Notre objectif est de simplifier la façon dont nous nous présentons chez Sage, pour faciliter la recherche du bon choix pour votre entreprise. Dans le cadre de ces changements, nos produits ont été renommés: En rapport avec ce blog: Sage 50c est maintenant Sage 50cloud accounting. Sage One est maintenant Sage Accounting. De plus, Sage Payment Solutions a été renommée PAYA après avoir été acquise par une organisation différente. Quoi de neuf pour sage 50 2018.2 ? Quoi de neuf pour Sage 50 2018.2? Sage Bank Feeds, les nouvelles fonctions de Sage Intelligence Report, Sage Capture et une fonctionnalité qui a été vue pour la première fois dans Sage Accounting (anciennement Sage One) a été ajoutée: La nouvelle fonctionnalité du service complémentaire Invoice Payments. Nouvelles fonctionnalités intéressantes: Sage Bank Feeds Sage Bank Feeds vous permet de garder vos livres précis et à jour. Vous pouvez gagner du temps en téléchargeant automatiquement des transactions bancaires ou par carte de crédit directement à Sage 50. Renforcée: Sage Intelligence Note * : Sage Intelligence est différent de Sage 50 Intelligence Reporting mentionné ci-dessous * Sage Intelligence est un outil pour les rapports disponibles pour les clients qui ont acheté l'intégration de Sage 50cloud avec Office 365. Pour en savoir plus sur l'intégration de O365 avec Sage 50cloud, cliquez ici . C'est l'une des 4 applications développées par Sage pour Office 365 ( apprenez plus ici ), qui comprend: Un client peut accéder à Sage Intelligence via le portail Office 365. Il comprend des rapports financiers standards et donne à l'utilisateur la possibilité de créer des rapports financiers personnalisés. C'est GRATUIT avec l'abonnement O365 Business Premium et l'intégration à Sage 50. Avec cet outil, une personne de l'entreprise qui n'a pas accès à Sage 50, comme un propriétaire d'entreprise, peut toujours accéder aux informations financières de l'entreprise. Les rapports peuvent être exportés au format PDF ou MS Excel. sage 50 Intelligence Reporting Une option alternative plus personnalisable est Sage 50 Intelligence Reporting; une solution de création de rapports avancée qui peut être utilisée avec Sage 50. Avec cette solution, vous pouvez générer des rapports basés sur MS Excel en utilisant les données de votre fichier d'entreprise Sage 50. C'est un outil puissant qui permet aux utilisateurs de créer et de personnaliser les rapports dont ils peuvent avoir besoin à partir de leurs données Sage 50. Sage 50 Intelligence Reporting peut être acheté en tant qu'élément additionnel pour Sage 50. Notre équipe de vente peut être contactée au 1-888-261-9610 du lundi au vendredi de 6h à 17h (heure du Pacifique) pour les questions de prix et des commandes. Sage Capture L'icône Sage Capture se trouve maintenant sur la page Cloud & Mobile de Sage 50 2018.2. En cliquant sur l'icône, vous serez redirigé vers One Drive dans Office 365. Cette icône comporte également une option permettant d'obtenir l'application mobile Sage Capture. Il ouvre une page Web avec plus d'informations sur l'intégration de Sage 50cloud avec Office 365. Soyez payé plus rapidement avec: Invoice Payments (Paiements de factures) Avec la fonction de paiement par facture, vous pouvez être payé plus rapidement en acceptant les paiements en ligne de vos clients par les fournisseurs de paiement sécurisés Stripe ou Paypal. Maintenant, vous en savez plus sur Sage 50 version 2018.2. Read this blog in English! Discover what's new for Sage 50 CA release 2018.2 Est-ce blog utile? S'il vous plaît laissez-nous un commentaire et une note sur le côté droit de cette page.

What is Bitcoin and How to Trade Cryptocurrencies

by FT @ Million Dollar Journey

Mon Nov 06 03:30:32 PST 2017

Bitcoin seems to be all the hype these days, especially with the digital currency making new highs day after day. At the beginning of 2017, Bitcoin was valued at around $1,000 USD. As of November 4, 2017, Bitcoin has reached $7,300 USD – a 7 bagger in less than a year. What is Bitcoin? So […]

Top 6 Credit Cards for Bad Credit in Canada 2018

by Samantha @ Life on Credit

Sun Jan 21 10:26:53 PST 2018

This post has been updated on January 21st, 2018 to reflect recent developments in the Canadian financial and credit markets. Accessing credit is never easy if you have anything but pristine credit score. The most common form of borrowing of course is a credit card, and there are many Canadian financial institutions that offer variety […]

4 Ways to Get Your Credit Score (and Credit Report) for FREE

by FT @ Million Dollar Journey

Mon Feb 05 04:30:34 PST 2018

This post was originally written in 2016, but with new free products (see Borrowell below), and a friend asking about how to obtain credit scores, I thought there was value in updating this post. Credit cards and mortgages are a hot topic in the personal finance world.  Since both are essentially loans, credit issuers and […]

The Alternatives to Google Finance (Since it’s Shutting Down)

by FT @ Million Dollar Journey

Mon Nov 27 04:30:29 PST 2017

I’m a big believer in long-term investing and taking advantage of compounding returns to build wealth.  While 95% of my investible assets are in long-term positions, as my internet handle implies, however, I’m also a fan of shorter-term swing trading. I find trading to be fun but I’m set on only using a small percentage […]

How Telpay’s Debit Funding Option Works

by Telpay Incorporated @ Telpay Blog

Wed Oct 18 12:59:32 PDT 2017

You have decided to make a payment(s) using Telpay’s services; the next important decision is how you will fund the payment(s). You can either fund your payments by debit (Pre-Authorized Debit), where Telpay automatically pulls the funds from your bank account or through online banking (bill payment or direct transfer), where you push funds to […]

Zoho Projects: An In-Depth Review

by Greg Digneo @ Biz 3.0

Mon Sep 25 06:08:13 PDT 2017

If you’re in the market for a project management tool, then chances are, you’ve run…Read more

The post Zoho Projects: An In-Depth Review appeared first on Biz 3.0.

Who is Still Using Paper Cheques?

by Guest Contributor @ Telpay Blog

Wed Jul 19 12:53:44 PDT 2017

Guest Blogger: Our guest contributor is Douglas Dickie, President of AccSys Solutions, the world’s largest Adagio Accounting consultant reseller and has mentored over twenty Adagio Dealer Business Partners across North America. Article reposted with permission.  With the emergence of new digital forms of payment such as email money transfers, use of paper cheques has been […]

RE: Electronic filing of T4 summary

by cb_canada @ Sage 50 CA Payroll - Recent Threads

Thu Mar 01 05:52:15 PST 2018

The employer is deducting the employees portion and also matching it, however the employer did not set up their portion in Sage. I discovered this after I added this question. Thank you for your reply

Prepping the T’s for Tax Season

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Tue Feb 25 12:15:09 PST 2014

Time is ticking on T4/T4A season.  With the Friday, February 28 deadline fast approaching, are you procrastinating, preparing or already producing your T4 and T4A Information Returns? What they are? A T4 (Statement of Remuneration Paid) is employment income paid during a tax year and the amount of income tax that was deducted.  As well […]

Electric Car vs. Winter

by Mr. Money Mustache @ Mr. Money Mustache

Fri Oct 06 18:27:20 PDT 2017

Just a few days ago, I got a surprise in the mail. It was a very expensive registration renewal bill* from Boulder County, reminding me that my brand-new 2016 Nissan Leaf was already a whole year old. The car has now been through the full cycle of Colorado’s interesting driving conditions including blazing sunshine, blowing […]

Diplomatico Exlusiva Rum Old Fashioned

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Sat Mar 17 12:04:20 PDT 2018

Lately I’ve been sipping on Diplomatico Exclusiva Rum. It is great on its own – however I was curious to try it in a cocktail.  I checked out the Diplomatico website to see what they recommended -and noticed they had a recipe for a Rum old fashioned.  This made me very happy – as this is […]

Indexed Family RESP Portfolio Update – 2018 Edition

by FT @ Million Dollar Journey

Mon Jan 22 04:30:33 PST 2018

It has been about a year since my last RESP portfolio update which is probably an appropriate time span since it’s a fairly steady portfolio that is 100% indexed. The RESP portfolios for our children are set up with TD e-Series mutual funds which provide a low-cost way to index the market (some other ways to index your portfolio).  […]

10 Smart Tips for Running a Productive Teleconference

by Greg Digneo @ Biz 3.0

Mon Feb 12 04:53:33 PST 2018

Teleconferencing is rapidly becoming the primary route for businesses to communicate. Why? One key reason…Read more

The post 10 Smart Tips for Running a Productive Teleconference appeared first on Biz 3.0.

Adjust paycheque from previous calendar year

by AKEmmons @ Sage 50 CA Payroll - Recent Threads

Tue Jan 23 12:35:48 PST 2018

Bonus cheques were given to employees in December 2017. The calculations were done and posted in Sage 50. Manual cheques were then written based off the Sage 50 paystubs.

After rolling forward the Sage 50 calendar year and remitting the source deductions in January 2018 for the December 2017 reporting period, a clerical error was found on one of the bonus cheques. The cheque was made out for $6.00 more than it should have been. The cheque has been cashed by the employee. The difference is not large and the employee will not be asked to repay the amount. T4's have not been generated yet.

To account for this difference, my thought was to adjust the income tax withheld on the paycheque downward by $6.00. This will result in the company having over remitted $6 in source deductions. It will also result in the bonus paystub needing to be updated as well as two December paystubs that came after the bonus stub (so YTD amounts are correct).

Can paystubs from the previous calendar year be adjusted? If so, is the proper sequence of operations to reverse the last two December paycheques completely, revise the bonus pay cheque, then record the last two December paycheques? If this is done, will the T4s reflect the change or is it too late to do all of this because the calendar year has been rolled forward?

I do have a backup of the file before the calendar year was rolled forward. I could restore this backup and make the changes in the previous calendar year. I would then roll forward the file and re-enter the 2018 transactions posted in January if this is the better approach.

The Exact Steps I Use to Hire Amazing Quality Remote Workers for as Little as $1000 per Month

by Rob Rawson @ Biz 3.0

Sat Oct 21 00:00:19 PDT 2017

Imagine what it could do for your profit margin if you were able to hire…Read more

The post The Exact Steps I Use to Hire Amazing Quality Remote Workers for as Little as $1000 per Month appeared first on Biz 3.0.

Forum Post: Posting Adj Journal Entries in last Fiscal year

by DakotaDend @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 20:04:00 PDT 2018

In a rush, I posted adjusting journal entries on May 1, 2017 rather then April 30, 2017 (last day of the fiscal year). Is there anyway to post these entries in the last fiscal year, and have the beginning balances (may 1st) carry over. As the reminder of my file is current, I am hoping to find a way without starting again.

Refresh Financial Secured Credit Card

by Samantha @ Life on Credit

Thu Dec 07 18:14:52 PST 2017

Refresh Financial offers a new secured card in light of the fact that credit conditions are tightening in Canada, especially for customers with fair and poor scores and average and low income. Many Canadians use credit cards in emergencies, to pay for car rentals and hotel bookings, to make in-store and online purchases, and so […]

How we Spend our Money – Breakdown of our Annual Expenses 2018

by FT @ Million Dollar Journey

Mon Feb 19 04:30:56 PST 2018

Back in 2008, I wrote my initial post about our monthly expenses.  It’s always interesting going back in time to see what the circumstances were.  Back then, the update was compiled just before we had our first child, and we had a mortgage on our principal residence (a new build).  Our annual recurring outlay was around $50k […]

How to Maximize PC Plus Points – Part 2

by FT @ Million Dollar Journey

Mon Dec 11 04:30:40 PST 2017

Last weeks article on how to maximize PC Plus points turned out to be quite popular. A number of readers added their tips to the comments (also via email), and the post was mentioned in an online Globe and Mail article (thanks @rcarrick!). The reader tips were so good that I think it deserves a […]

When life gives you lemons…Make a Whiskey Sour (or two).

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Mon Jan 29 10:22:31 PST 2018

I finally took the leap and decided to start experimenting with egg whites in some of my cocktails.  I also had a bag of lemons I needed to use – so naturally my first thought was – what kind of cocktails can I make. The obvious choice was a Whiskey Sour.  I’ve noticed in my […]

Financial Freedom Update (Q4) – December 2017 (+9.82%) – Year End Update

by FT @ Million Dollar Journey

Mon Dec 18 04:30:21 PST 2017

Welcome to the Million Dollar Journey December 2017 Financial Freedom Update – the final update of the year.  For those of you new here, since achieving $1M in net worth in June 2014 (age 35), I have shifted my focus to achieving financial independence.  How?  I plan on building my passive income sources to the point […]

ASP Resources

by Telpay Incorporated @ Telpay Blog

Fri Aug 25 20:52:59 PDT 2017

At Telpay, we pride ourselves on the resources we provide our customers, and if you’re an ASP, we’ve got everything you could want in one convenient spot. If you haven’t surfed through Telpay’s extensive information archive, be sure to follow this link to check out our dedicated ASP Resources page. Here, you will find an […]

Creating a paycheque

by Joya D @ Sage 50 CA Payroll - Recent Threads

Sat Feb 17 12:28:45 PST 2018

I am new to Sage and am just starting to do payroll in Sage.

I wanted to start payroll for 2018, however when I go to make the paycheck it says the following: "Until you finish entering payroll history details, you must calculate and enter all taxes manually. Automatic calculation could generate inaccurate numbers if entering history has not been completed."

As this is the start of a new year, I do not understand what payroll history details Sage wants. Does anyone have any insight in this?

Thanks!

Net Worth Update Nov 2017 – Karl the Real Estate Agent Millionaire (+1.8%)

by FT @ Million Dollar Journey

Mon Nov 13 04:30:24 PST 2017

Welcome to the Million Dollar Journey November 2017 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after my million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member and […]

Non-Processing Days That You Need to Know

by Lyn Walker, Marketing Manager @ Payroll Direct Deposit – Telpay Blog

Mon Nov 23 10:45:27 PST 2015

At Telpay, we do not process payments on statutory holidays. We refer to these holidays as non-processing days. Due to the nature of our service, we rely on banks and credit unions to move money.  When the banks close for the holidays, Telpay cannot process any payments.  If your payment is on or around a holiday (non-processing day), you […]

Financial Checklist to Start the Year (2018)

by FT @ Million Dollar Journey

Mon Jan 08 04:30:41 PST 2018

This is a checklist that I update and follow at the beginning of every year. Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  Here is the checklist that I use at the beginning of the year. 1. Contribute to your […]

RE: Non Taxable Benefits where Employer and Employee Pay 50%

by RandyW @ Sage 50 CA Payroll - Recent Threads

Fri Feb 23 14:03:53 PST 2018

[quote user="Meisha"]Medical + Dental $55.50, LTD $34.50, Life + Accidental Accident $13.50.[/quote]

Not to make this more complicated, but usually you want your records to clearly show that the employee is paying 100% of life, accidental, and disability insurance.   If the employer is paying any part of it, any claim proceeds may be subject to income tax.

On the other hand, that would reduce the amount and tax deduction for the medical portion.

How to Painlessly Transfer your Account from one Broker to Another

by Ram Balakrishnan @ Canadian Capitalist

Wed Feb 05 07:59:59 PST 2014

If you have just opened a trading account with a new discount broker or you have accounts in different places and want to consolidate, you’ll… Read More ›

The bad ideas

by Garth Turner @ Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate

Mon Mar 26 15:27:45 PDT 2018

Yay, I know. The Dow went up more than 650 points on Monday. It was the biggest romp in three years. And speaking of romps, over 21 million people watched Stormy Daniels talk about having sex with the Trumpster. That was the largest audience for 60 Minutes in a decade. Yuge. Trump, Trump and more […]

How to track and pay "sick days" aka Personal Emergency Leave (PEL) days for Ontario

by laufey @ Sage 50 CA Payroll - Recent Threads

Wed Jan 10 22:04:48 PST 2018

As of 2018 in Ontario, employees are entitled to 10 PEL days a year, and 2 of these days must be paid PEL days. This is a two part question regarding PEL days aka "sick days".

1. It seems like the ENTITLEMENT section of the payroll module is meant to accrue days based on time worked and then to deduct days taken from that accrual. But with Ontario's new laws regarding sick days, this process basically works in reverse: employees do not accrue sick days, they begin with the maximum and days taken are just deducted from it. Is it possible to achieve this in Sage or will people need to keep separate records for this?

I honestly cannot figure out how to do it in sage.

2. Based on my understanding of the new laws, any PEL income does not count as "regular" income, and thus is not used to calculate any holiday pay. Therefore it makes sense to create a PEL income category apart from regular income. How is PEL/SICK PAY calculated in Ontario? 8 hours x hourly wage? I cannot find any literature on this.

An In-Depth Review of Transferwise

by Rob Rawson @ Biz 3.0

Mon Dec 18 06:57:16 PST 2017

If you’re searching for the most efficient way to wire transfer money overseas, you’ve probably…Read more

The post An In-Depth Review of Transferwise appeared first on Biz 3.0.

Non Taxable Benefits where Employer and Employee Pay 50%

by Meisha @ Sage 50 CA Payroll - Recent Threads

Sat Jan 14 08:42:46 PST 2017

I am trying to setup a Group Insurance Premium.  The amount is $207, $103.50 is paid by Employee and $103.50 is paid by Employer

The problem is that the gross salary shows premium paid by the Employer although the benefit is non-taxable.  The Pensionable income is correct but the Gross Income is over by the amount of the premium.  Therefore when I do the T4, the employee's income is too high.  It should be less by the amount of the premium.  Is there anyway to fix this other than by manually reducing the Gross Salary by the amount of the premium paid by employee?  I see on the record that there is a box for Less Benefit.  How do I get this to populate with the $103.50?

Right now I have a Group Insurance Payable for the Emplover's Share $103.50

Employee Deductions are:  Medical + Dental $55.50, LTD $34.50, Life + Accidental Accident $13.50.  Total $103.50.  These are all set up as being Calculated after tax, CPP & EI.

Thanks for your help. 

Everything You Need To Find The Perfect Invoice Template

by Greg Digneo @ Biz 3.0

Fri Sep 15 08:50:27 PDT 2017

What’s the best part of any remote job? You know it! It’s getting paid. But,…Read more

The post Everything You Need To Find The Perfect Invoice Template appeared first on Biz 3.0.

Should I Become an Uber Driver-Partner in Canada? Pay, Requirements + Sign Up Guide

by Kyle @ Young And Thrifty

Mon Mar 19 07:00:22 PDT 2018

If you’re looking to become an Uber driver and get paid by working on your own schedule – then you’re in the right place!  We’re constantly updating this article to reflect the latest Uber hiring practices, requirements to become an Uber driver, and how much Uber drivers get paid.   With so many people these…

Should I Become an Uber Driver-Partner in Canada? Pay, Requirements + Sign Up Guide first appeared on Young And Thrifty

RE: Electronic filing of T4 summary

by C White @ Sage 50 CA Payroll - Recent Threads

Tue Mar 06 08:40:00 PST 2018

The company portion of the RRSP is NOT a box 40 deduction, it is part of regular wages - box 14, box 24, and box 26.  The deductions for RRSP contributions do not appear on the T4 slip at all, as the employee will deduct based on the slip the RRSP company will issue for these amounts.

A bunch of updates after the site went stale for awhile

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sat Oct 29 01:26:00 PDT 2016

So... the site went stale over the past year, as in the calendar drifted out of date with some important bits of info, which is pretty terrible. It's bad. There is really nothing worse than showing up to someplace, hungry, hoping to find free food, and facing a locked door. That's bad.

So everything up to October 28 in the comments on the calendar page has been added. Those who made these comments are awesome. And it's apparent that a page should probably be added for meal reviews, complaints, etc. Maybe that'll happen.

Anyone with intel to report on mealtimes and stuff is highly encouraged to do so on the calendar page.

“You might get a kick out of our recent financial journey”

by J. Money @ Budgets Are Sexy

Wed Mar 21 02:06:16 PDT 2018

“You might get a kick out of our recent financial journey”

Morning! Been emailing with a new reader of this blog, and in the middle of it he shot me his entire financial/career life story which I thought you’d love to see too as voyeurs ;) Always something so raw and beautiful about this type of stuff – no one ever shares in the real word! The clip’s below, along with some follow up questions I […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

The holiday meals, and the calendar

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sat Dec 19 21:32:00 PST 2015

So... the holiday meals list from TDIN is out. And it's been LEAKED!!!! Oh my god oh my god oh my god! They stopped publishing it online, so there is absolutely no way to view it on the internet except, of course, on this site. Because somebody uploaded it to their google docs and posted it. And then it got compared to the Calendar page on this site, which got heavily updated. And then it got embedded below:



There are some clear discrepancies between this schedule and the regular mealtimes of a lot of these places. So there are some details to clear up, but the calendar is much more accurate than it was six hours ago. Many, many disappointing closures have been marked, so hopefully some heartbreak can be avoided./

It's worth noting that there are way, way more closures than extra holiday meals. Way more. Way, way fucking more.

The other thing, this is silly, but Sistering and 416 Dundas, the two major places specifically for women, weren't on the site at all, and now they are. It's pretty startling to finally be able to add a couple of programs that are just two meals every single day, at the same time. Not a few days a week at three different times, not every third and fourth sunday of some bullshit, but every single day of the week, at the same times. And the hours of the drop-in are: 24/7. It's like a whole other world, especially for women. Where you don't have to go all over the city every single day, where you can go to the same place for two or even three meals each day. And you can just go there anytime you need to. That's absolutely amazing. That must be wonderful. It makes a lot more sense why men in poverty are so much more visible: they have to stay on the move, and the women are all hidden away at the women-only programs. There's only one breakfast and lunch program that's open every single day, and includes men, and it's the Good Shepherd.

Bad Credit Personal Loans in Canada

by Samantha @ Life on Credit

Fri Oct 20 07:28:06 PDT 2017

This post has been updated on Oct. 20th, 2017 to reflect recent developments in the Canadian credit markets. I see signs of restricting personal credit in Canada everywhere lately. Even secured credit card providers like Peoples Trust has discontinued their popular secured card this summer. The big five Canadian banks have tightened credit issuing and […]

Bitcoin – The First Truly Global Asset Bubble Mania, How High Can It Go?

by Rob Rawson @ Biz 3.0

Mon Dec 11 00:51:02 PST 2017

Bitcoin has reached $17,000 as of the date of this article. The valuation of all…Read more

The post Bitcoin – The First Truly Global Asset Bubble Mania, How High Can It Go? appeared first on Biz 3.0.

Online Banking Review 2018 – Is Scotiabank’s New “Tangerine” to Your Tastes?

by Kyle @ Young And Thrifty

Sun Mar 11 16:02:59 PDT 2018

Now that customers have had a chance to take a bite of out Tangerine for a few years, we thought we’d revisit our initial Tangerine review and see if they’ve lived up to their promise as Canada's premier online bank.  The best place to see how Tangerine stacks up against its current online-only competitors is…

Online Banking Review 2018 – Is Scotiabank’s New “Tangerine” to Your Tastes? first appeared on Young And Thrifty

Doing a Reno? What Are the Best Ways to Finance It?

by Samantha @ Life on Credit

Mon Oct 23 10:21:41 PDT 2017

There are different ways to finance a reno, whether you want to upgrade your kitchen or dining room or have another home improvement project in mind. You can use cash or apply for a secured or unsecured loan, home equity line of credit, or another financial solution depending on your project requirements, amount of cash, […]

Great News: There’s Another Recession Coming

by Mr. Money Mustache @ Mr. Money Mustache

Tue Jun 20 18:54:58 PDT 2017

If you’ve been keeping an eye on the US economy in recent years, you might notice that things are looking pretty darned rosy. Unemployment is at its lowest level in 40 years, wages are rising, and house prices have not only recovered from their fiery crash of 2009 – they have had several years of record […]

How to Overcome Client’s Resistance to Change

by Telpay Incorporated @ Telpay Blog

Tue Sep 26 21:47:12 PDT 2017

Change, as they say, is necessary in the business world. Staying at the forefront, if not ahead of the bar in your industry is crucial to your continued success. When you think about this as a mantra for your business, you know instantly that this applies to your products and services; but it is just […]

Some New Savings Targets To Shoot For?

by J. Money @ Budgets Are Sexy

Mon Mar 19 02:02:53 PDT 2018

Some New Savings Targets To Shoot For?

Guess what?? They talked about personal finance on the radio today, and I almost had a moneygasm! Haha… The clip was on some new savings recommendations that apparently just came out, and while I couldn’t find the exact article off the show’s website, I did come across this one that matched it to a T (and which was also over a year old?): “Here’s how […]

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[For more $$$ nuggets, head over to Budgets Are Sexy!]

Employee Retention Strategies: 39 Companies’ Key Methods for Retaining Talent

by Greg Digneo @ Biz 3.0

Mon Jul 24 00:14:57 PDT 2017

It’s a troubling moment, isn’t it? When a valued employee tells you that he or…Read more

The post Employee Retention Strategies: 39 Companies’ Key Methods for Retaining Talent appeared first on Biz 3.0.

How to Give Money (and Get Happiness) More Easily

by Mr. Money Mustache @ Mr. Money Mustache

Mon Dec 04 12:27:46 PST 2017

  If you have more money than you need, you should start giving some of it away.  That’s the lesson I learned about a year ago, when I took a gamble and donated $100,000 to a variety of charities, centered around the Effective Altruism movement. More on Effective Altruism: The Life You Can Save website, […]

Will Millennials Ever Be Able to Buy a House in Toronto?

by Samantha @ Life on Credit

Thu Jul 06 08:20:34 PDT 2017

Some millennials definitely want to buy a home but the reality is that housing affordability is a source of concern for both, homebuyers and policy makers. Why Millennials Are Reluctant to Buy a House? Today demand exceeds supply and this is the reason why housing prices keep going up. In light of this fact, more […]

Telpay Sponsors Black Swans

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Mon Feb 10 10:42:19 PST 2014

Telpay is proud to sponsor Melissa Michalski B.Comm (Hons), CPB and Bea Dabrowski, BA, CPB of the CertPro Accounting Team Inc, who were accepted into the Institute of Professional Bookkeepers of Canada (IPBC) prestigious Black Swan 2 Project. Jason Olson, Vice President of Strategic Partnerships stated: “The Black Swan program is tough to get into.  […]

T4 for Fisherperson

by Kim-Niqitaq @ Sage 50 CA Payroll - Recent Threads

Tue Jan 09 11:28:53 PST 2018

I have to prepare T4's each year for fisherpersons. Currently, Sage 50 doesn't have a code 80, which causes me to do double the work in order to get my T4's out. Is it possible to add a code 80??

Deep dive into my portfolio: Fun with numbers & graphs.

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Fri Mar 09 11:29:47 PST 2018

Over the last couple of months, I’ve been trying to focus a little more on Asset allocation, geographical diversification and taking as much control of my portfolio as I can by selling some funds and starting to funnel everything into my direct investing portfolio. I decided it would be fun to do a “deep dive” […]

Free Portfolio Review

by James Dean @ Canadian Capitalist

Sun Nov 05 09:21:29 PST 2017

Make, save and preserve more of your hard earned wealth at every turn. The Mutual Fund Industry is worth over 1.1 trillion dollars…where is your… Read More ›

Personal Tax Credits

by Kathy@Jorey @ Sage 50 CA Payroll - Recent Threads

Tue Feb 13 14:33:53 PST 2018

Hi, 

I recently figured out that the personal tax credits aren't automatically updated when the calendar roll-over is done. I updated the credits, but since then I've opened prior paycheques to adjust the allocation of hours to projects. When I did that, it recalculated the taxes and the net pay for those paycheques has increased, but I can't figure out how to pay it out to our employees. The amounts have been put to the clearing account, but because the paycheques were previously paid Sage isn't recognizing that the paycheque has an outstanding amount to be paid and I can't figure out how to export the amounts owing to our bill payment service. Even if I wanted to print out a cheque instead I can't figure out how. 

Can someone help me?

Thanks.

A Comprehensive Review of Harvest

by Rob Rawson @ Biz 3.0

Mon Jan 15 01:44:55 PST 2018

Harvest is a time tracking app with an intuitive interface that makes keeping an eye…Read more

The post A Comprehensive Review of Harvest appeared first on Biz 3.0.

EQ Bank, Zag Bank, and the relevance of high interest savings accounts

by Peter @ Canadian High Interest Savings Bank Accounts

Thu Jan 14 09:10:23 PST 2016

Today we saw the official launch of EQ Bank, whose headline feature is a 3% savings account. Regardless of whether even 3% can be called “high interest”, that is still 71% higher than the top rate (1.75%, shared by 6 institutions) on our chart and almost 4 times higher than Tangerine and PC Financial’s standard…

“A library is one of the few remaining places that cares more about you than your wallet.”

by J. Money @ Budgets Are Sexy

Fri Mar 09 02:04:23 PST 2018

“A library is one of the few remaining places that cares more about you than your wallet.”

Truth nuggets dropping today, boy! That library is a frugal man and woman’s best friend! And that passage comes from a thoroughly fantastic article in itself linked below, as well as a handful of other great reads I’ve enjoyed over the months… Lots of great writers and ideas out there, and hopefully these just add to the beauty of the weekend coming up :) Let […]

********
[For more $$$ nuggets, head over to Budgets Are Sexy!]

Forum Post: Opening Simply 2007 files in Sage 50 Pro - is it possible?

by Andrew S @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 17:31:00 PDT 2018

I currently have a client running Simply Accounting 2007 and they want to upgrade to Sage 50 Pro. They just want to make sure that Sage 50 Pro is capable of opening their Simply 2007 files. I'm pretty sure that it would be able to open them, but I thought I'd double-check with y'all here before I tell her to go ahead and make the purchase. Thanks for the help. Cheers, Andrew

Federal Budget Impacts Canadian Revenue Agency (CRA) Remittances

by Chris Epp-Vollrath, President @ Payroll Direct Deposit – Telpay Blog

Thu Feb 20 14:38:47 PST 2014

On February 11, 2014, Finance Minister Jim Flaherty tabled the 2014 Federal Budget, entitled “The Road to Balance: Creating Jobs and Opportunities.” A key point for Telpay customers was the reduction in frequency of CRA Source Deduction remittances for some employers. The Budget proposed to increase the remittance thresholds for CRA Source Deduction remittances for […]

New Purchase..and the one that got away(for now)

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Tue Feb 27 11:20:34 PST 2018

About 3-4 years ago, I had my eye on a stock – a Residential Reit that kept showing up on all my stock screens.  Unfortunately I never pulled the trigger.  That stock was Northview Apartment Reit – and at the time it was trading around $14.00/share.  Today it is trading at $24 (and would have […]

Savers Roundup October 2017: Rate increases and surprise decreases, Wealth One, and cross-border friendly credit cards

by Peter @ Canadian High Interest Savings Bank Accounts

Mon Oct 23 14:41:46 PDT 2017

Rate movements: Some increases, some surprising drops It has been interesting to see the impact of the Bank of Canada’s key interest rate hikes (amounting to a total of 0.50%) from July and September. Outlook Financial, Implicity Financial, AcceleRate Financial, Hubert Financial, MAXA Financial, and Achieva Financial have all increased their regular savings and TFSA…

Trying to figure out Basic Personal Amounts for Nova Scotia

by tsherr@computerconnectionltd.com @ Sage 50 CA Payroll - Recent Threads

Fri Jan 12 04:03:24 PST 2018

I'm not sure why Sage 50 doesn't do this for me, since I'm paying for Payroll updates, but what are the correct personal amounts for Nova Scotia for Jan 1, 2018?

I currently have:

Federal Basic Personal Amount - 11,809
Provincial Basic Personal Amount - 11,481
Provincial Other Indexed Amount - 1280

Which I've gotten from the CRA site, but I'm not sure if these are correct.

Any assistance would be greatly appreciated.

Forum Post: RE: Customer deduting GST from our invoices

by The Software Coach @ Sage 50 Accounting - Canadian Edition

Sun Mar 25 18:54:00 PDT 2018

HI Tipsy5 From what I have read in this thread there are not enough details about why the customer did not pay the full invoice. Best practices are to call the Customer AP person and find out why the invoice was short paid. There could be many reasons. One reason could be because AP entered the invoice wrong and are new to their system..... I think you get what I mean. Who knows why, hence you call AP and then you can precede from there. Next you can show receipt of the payment or you can wait until you find out from AP from your Customer and then deal with it. In the receipts module you can show partial payment on the invoice, and the remaining 10.00 would still be showing as owed. MOST important of all CALL your customer and talk to the AP person and find what happened and why the invoice was short paid. Do not assume!!!!

5 Digital Marketing Agencies Explain How They Maximize Profits With Outsourcing

by Rob Rawson @ Biz 3.0

Fri Nov 24 07:08:53 PST 2017

We interviewed five agency owners in the areas of digital marketing, SEO, web design and…Read more

The post 5 Digital Marketing Agencies Explain How They Maximize Profits With Outsourcing appeared first on Biz 3.0.

Enjoy a Frosty Root Beer, a Teen Burger and Approving Payments on Your Smart Phone

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Fri Mar 14 15:06:26 PDT 2014

Since 1978, the D’eon Family have owned the A&W Restaurant on the Crowsnest Highway near Fort Macleod, Alberta. A&W Food Services of Canada is Canada’s second-largest fast food burger restaurant chain with over 800 locations. When Dave’s father ran the restaurant ‘everything was paper’ at least where the accounting was concerned. Back in those days, […]

When Your Shitty Health Insurance Doubles in Price

by Mr. Money Mustache @ Mr. Money Mustache

Sun Nov 05 09:09:42 PST 2017

Well, despite Mr. Money Mustache’s outrageous optimism, I think we all saw this coming. I opened up my premium renewal email from Kaiser and saw this: My family’s monthly health insurance premium, which had already more than doubled in the last few years to $674 per month, was going up a further 44% for the […]

My DIY Solar Power Setup – Free Energy for Life

by Mr. Money Mustache @ Mr. Money Mustache

Wed Feb 07 16:56:46 PST 2018

It is pretty well known at this point that Mr. Money Mustache is enamored with solar power. Besides the obvious Sci-Fi coolness of it (Electricity, Satellites, Futuristic Robots!) and the eco-friendliness of it (energy with zero noise or pollution), in the last five years the money side of things has finally matured, so that solar power is […]

5 Deadly Communication Barriers and How to Solve Them

by Amara Pope @ Biz 3.0

Sun Jul 16 22:00:11 PDT 2017

Hello? … Hello? …Hello?? Over 80% of Americans think that employee communication is a key…Read more

The post 5 Deadly Communication Barriers and How to Solve Them appeared first on Biz 3.0.

Ed Rempel – Ed Rempel Organization

by James Dean @ Canadian Capitalist

Wed Oct 18 06:58:32 PDT 2017

Ed Rempel, CPA, CMA, CFP EdRempel.org Edward Andrew Rempel is a very popular financial blogger and fee-for-service financial planner with a ton of real life… Read More ›

12 Ways an Agency Can Be More Profitable

by Greg Digneo @ Biz 3.0

Fri Oct 06 03:16:39 PDT 2017

When it comes to growing a business, size isn’t always the biggest indicator of success.…Read more

The post 12 Ways an Agency Can Be More Profitable appeared first on Biz 3.0.

RE: New Alberta Stat Holiday Pay

by PaperTrails @ Sage 50 CA Payroll - Recent Threads

Mon Feb 26 08:04:06 PST 2018

It definitely is more time consuming.  Very few of my clients work a 8 hour day/40 hour week, so I will be doing the same process as you.

RE: Non Taxable Benefits where Employer and Employee Pay 50%

by Marj@Swab @ Sage 50 CA Payroll - Recent Threads

Fri Feb 23 13:09:10 PST 2018

You need to have a deduction amount of the 103.50 and a an income amount labeled "benefits" for the same amount.  this then will go as a taxable benefit but put the income back where it should be.

HSF: not only manufacturing homelessness, but punishing applicants!

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Fri Nov 06 06:13:00 PST 2015

So, what is the HSF? It's a total joke. It's there to insult us. It'd be awesome to see the statistics on how many people have actually been eligible for HSF. What does it take to be eligible? Well, there's the criteria on their website, and then of course there's the critical bit of info they left out: they won't help you keep your current place unless you're facing eviction, and they won't help you move unless you're moving to a place with markedly lower rent. Apparently, if you can prove that you're facing eviction and your new rent is going to be pretty much the same, then they might provide funding. Might.

Also, it's a limited fund. So all HSF applicants are competing for the same money, and when it runs out, nobody's eligible anymore.

If you're moving into a new place where you DON'T have a lease (and, really, is anything in the range that's covered going to possibly involve a lease? yeah, I don't think so... hey, what a great place, only $475, I can afford that, can I see the lease please?) then you won't be able to get first and last. You'll be able to get one rent payment to move in. Why? Because apparently leaseholders aren't allowed to ask first and last from their subletters. Are you laughing out loud yet, or crying? So you can only get first and last if you can present them with the lease, with your name on it. Sounds like the same old chicken and the egg thing as ever, right? Sounds like the same old "I wonder if I can find a landlord who's gonna be cool with me being on benefits, and who's gonna be cool with talking about it on our first meeting, and identifying themselves to the government?" dilemma.

But especially the part about how you have to be moving to a cheaper place, in order to get the funds. That's really rich. The idea that we're gonna find cheaper places! I mean, just the comedy in that, goddamn it's terrible.

So, this is one of those application calls that you might want to have your social worker make. The staff at this particular office are really, especially hateful, judgemental, and rude. They're totally ready to spoil your month, not just by telling you all about how the HSF is set up to never be applicable to anyone, but also how your reasons for needing demonstrate what an irresponsible person you are. Really. They will point out exactly why you're wrong for expecting a bailout, and they'll do it in the rudest way possible. Almost like they've had training on how to push people over the edge and give them nervous breakdowns.

Meanwhile, other public servants, like caseworkers and stuff, all have no idea how limited the HSF criteria are, and how totally mean their staff are, so they're sending their clients to the HSF with totally crazy expectations, like... yeah, you might get offered subsidized housing next month, good thing there's the HSF to cover moving costs... NO THEY WON'T! Oh, had an injury and couldn't make it to soup kitchens for two months, had to spend the rent money on food, now I'm borrowing to make rent, now there's no food money for the next two months, good thing they're here to help me catch up on rent... NO THEY WON'T! Oh, had to replace my bike and all my clothes at the last minute and I'm outta rent money, good thing... NO THEY WON'T!

The HSF has been carefully crafted to create the perfect window dressing solution. It's there for the public to point at, grateful to have a municipal government that patches the holes created by the provincial one (like repeated slashing of benefits), and all the while, rather than preventing homelessness, it's promoting it. It's just crazy to think that people are being paid to tell us we can't get this benefit. If you call them up, try asking "have you granted the funds to anyone this week... or this month?" The fund actually depends on us finding cheaper rent than we already have, right at the time when we're being evicted. That's pretty fucked up.

The harshest thing though, is really the way they treat clients over the phone. If you ask too many questions, they keep saying they're going to talk with your ODSP worker, like it's a threat. I'm like, holy fuck, you evil, crazy person, if my ODSP worker ever heard a recording of this conversation, he'd whistle blow the shit out of your crazy office. Y'all need to get shut the fuck down right away for abusing Toronto residents.

The HSF is here to ruin our lives. So just know that. It's here to make you homeless. Or inspire you to suicide or something like that. Don't take the bait. Just realize, it's just another government organization that's trying to make you want to kill yourself. That's nothing new. The school system didn't make you do it, the justice system didn't make you do it, the stupid employment scene didn't make you do it, don't let HSF get you out of control. Just get your social worker to call them instead of doing it yourself. If you have anybody who can make phone calls like that on your behalf to shield you from being traumatized by other government workers (this is actually a common assignment for them), then do that. Don't make this call yourself. They're just that cruel, on the phone. They know exactly how to make you feel like scum.

Apparently what it's really designed to do is to help people in shelters to move into housing. It got touted as a replacement for Community Start-up, but anybody at the actual office that administrates it will tell you flat-out that that's not what it's supposed to be. It's not focused on helping people who are already housed to move, it's not focused on helping us recover from falling behind on bills and stuff, and it's not here to help us afford a new spot when we're getting kicked out - because there are no cheaper places, for any of us. Who here is going to pay less for their next bedroom than they currently pay? Nobody. No fucking person.

So, yeah. Fuck the HSF. Fuck everybody who contributed to designing the program. Fuck the staff for having any part in it. And especially, fuck the McGuinty/Wynne liberal piece of shit provincial government for their austerity bullshit. Talk about taking the province back to the dark ages. Shall I shovel your horse's shit too, me lady Wynne? Fuck her for promising to be the "social justice premier." Fuck her. What a total piece of shit. Fuck her. Fuck Dalton McGuinty even harder. What a fucking piece. Go to hell, Dalton McGuinty. Go to hell, Kathleen Wynne. And of course, go to hell, Miller, you scum-sucking reptile. I hope your children murder you in your sleep. I call a fatwa on your whole fucking clique. Die in horrendous pain while eating all of our shit, after it's been mixed together and fermented, and rot in hell forever. All three of you pieces of shit deserve to be lynched by an angry mob. And I hope it happens. I would be so fucking happy to see you three pieces of shit nailed to the highest post and left to rot in the sun while we throw shit at you. You fucking scumbags.

RE: New Alberta Stat Holiday Pay

by Marj@Swab @ Sage 50 CA Payroll - Recent Threads

Fri Feb 23 13:02:42 PST 2018

HI PaperTrails.....I don't know of any shortcut.  I did payroll yesterday and today and it takes me approximately 15 minutes more per person to get the job done thanks to the new legislations.  I have 40 employees. That's an additional 10 hours added to my job I don't get paid for.

The shove off

by Garth Turner @ Greater Fool – Authored by Garth Turner – The Troubled Future of Real Estate

Tue Mar 27 14:54:50 PDT 2018

With just a few days remaining in the only month that tells you what to do, things are looking dodgy for the nation’s biggest housing market. Exclusive numbers secured by GreaterFool operatives confirm the pattern of the last few months. Down. The FOMO is gone and sales are falling. Up to Tuesday just 2,276 properties […]

New Alberta Stat Holiday Pay

by PaperTrails @ Sage 50 CA Payroll - Recent Threads

Wed Feb 21 07:36:20 PST 2018

Hello,

I am trying to determine if there is a way to set up for these new guidelines that would make the calculation for me.  Is this possible?  How do people in other provinces work this system?

Spending money to save money: a few good & bad investment ideas for your personal life

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Thu Jan 07 13:23:00 PST 2016

Not like you have money to throw around. But you know how sometimes you can spend an extra few bucks to save more money down the line. So here's some safe and not so safe bets for leveraging the ridiculously insufficient amount of money you do have, if you do have it.

For all the smokers out there: E-Cigarettes aren't bullshit and they are for poor people too. If you're switching from bootleg smokes (DKs, Natives, BBs etc) then it'll take a couple months for it to start paying for itself, but overall, on a month-to-month basis, including replacing your whole kit maybe once a year, it is cheaper. Much cheaper. And it's so much better. So definitely believe the hype: vaping is here to stay, and you can get started for as cheap as $50.

Don't bother with an electric bike. The cheap end of the market is a total consumer trap right now. Anything below $1000 is going to disappoint you. To put it simply, the battery situation is "not there yet" and the fabrication quality is dangerously low. Some of these bikes have such bad controllers that they'll just jump into motion when you least expect it. They're not road worthy. Whether you're talking about a power-assisted bicycle (they want us to call them "ped-elecs," as if that's going to happen), or an electric scooter (they want us to call them that instead of mopeds), you're better with a good bike than a shitty ebike.

TTC passes are only getting more expensive, and there is still no low-income pass in sight. So don't bother with a TTC pass, unless you need to use it at least ten times a week. That's the rule of thumb.

For a transportation upgrade that really pulls its weight, go for an old road bike. Toronto's bike network and roads in general are finally smooth enough that you don't need a mountain bike on them anymore. Switching from a mountain bike to a road bike will make every single trip easier. It just doesn't take nearly as much effort to make the same trips. And of course your range is increased. And your speed is increased. You're looking for a 70s or 80s 10-speed... you know, the ones with the curly handlebars that everybody's avoiding. There's no real reason to avoid them. They're great. Spend your helmet money on lights... they'll have a bigger effect on your safety. Get lights that take standard AA and AAA batteries so they're convenient to replace.

Become a smoothie person. There's no other way to actually enjoy getting beans and veggies into you. You end up having to cook less of them, and cook them less. You end up being able to eat stuff you normally wouldn't eat. Dumpster diving becomes easier. You can blend stuff you'd never throw on a plate. So grab yourself a blender or a magic bullet or something. There are these smoothie blenders that Loblaws and other places are selling for like $15... the trick with the Loblaws ones is, just keep your receipt and you can keep bringing them back for replacement when they break. They will break. With these cheap machines, you have to be all sorts of careful not to overload them and stuff. This is worth getting on top of. Less boiling, less chopping, more eating, more portability... the only problem is, the machines are fucking loud. Put it in a closet or an insulated box while it's blending! They're seriously loud. And hey, don't underestimate a regular blender.

Seems unimportant, but really good containers make a big difference. Upgrade yours to the glass ones with the plastic-and-rubber lids that clip on, and you'll notice yourself using them a lot more, and having more success when you do. Lots of people are paranoid about putting food, especially warm food, in plastic containers, especially stuff from the dollar store or re-used yogurt things and stuff. That paranoia is well-founded: plastics do leech into foods and they are damaging to your health. And having things break open in your bag is the last thing you need. The really good versions of these cost like $6 apiece, but they'll pay for themselves quickly, in terms of you being able to save more food.

Put together a go bag and a bug-out spot, so you can always safety get out of wherever you are. As a poor person, you never know when your place of residence, whether it's an apartment or a parking garage ventilation exhaust, is going to become unavailable to you. And when it does, you probably don't have any emergency options. Having a place to go to, where you can sleep, change, prepare food, and have privacy, and having a few days' worth of clothes and basic essentials, can provide you with a big measure of security. Even if you never have to use this stuff, that security translates into less anxiety when things are going fine, and less disruption in your life when bad things happen. Most of these weird, half-baked campsites you find in the Toronto wilderness are bug-out spots, created by people who are precariously-housed. That's why you rarely find them to be occupied. A bug-out bag contains fresh clothes, underwear, socks, first aid kit... and everything you'd want to have with you if you're suddenly out on the street without anything else. Anything that you regularly use that you'd like to have in this bag as well, don't put it in the bag, but keep it all in one spot in your place, so you can quickly load it into the bag and get the fuck out. You need to be able to pack up and leave while your roommate is flipping out, before he finds the knives. Or while your parents are flipping out, before they call the cops. Or while your landlord is flipping out, before he calls his cousins. People who've suffered domestic abuse know exactly what this is about.

Instead of getting a cheap smartphone, get a good dumb phone. Like a basic phone that's not shitty. And then spend the rest of your money on an ok tablet. So much better to have an ok basic phone, and an ok tablet, than a shitty smartphone for the same price. And that seems to be your options.

Most poor people are still choosing phone over internet, because we can't afford both. For a lot of people, it'd be better to switch to being an internet user, even if it means giving up on having a phone and a phone number. For the same price as a typical cellphone plan, you can get internet and a home phone. It's really a much better option. If you have internet, you basically don't need TV. You can get your sports, gaming, news, all that stuff on the 'net, and you can use it to publish things, learn things, stay in touch... you know, actually develop your life. Canada has the most expensive cellphone service in the world, so it's not even cheap enough for people who aren't poor, but like bank accounts, there is no cellphone plan that's meant for us.

RE: reversing payroll advance without access to payroll module

by C White @ Sage 50 CA Payroll - Recent Threads

Mon Mar 26 08:32:32 PDT 2018

If you don't have access to the payroll module because you aren't subscribed to it any more, then I don't know how to help you.

However, if you don't have access to the payroll module because it was turned off when you stopped using it, you may be able to turn it on again temporarily.  Oddly enough, the first step is under the "View" menu.  (Setup - user preferences - view).  Go in there and see if you can turn on Employees & Payroll and Employees.  If this works, you will then be able to deal with the payroll module as usual through Setup - Settings to make sure the linked accounts are what you want.  Then, you may be able to get into the payroll module and do a dummy paycheque to recover the advance.

If this works, you will then want to turn unlink the payroll accounts and turn off the payroll menus again, and of course do a general journal entry to remove your bogus paycheque.

7 Ways To Enhance Team Communication

by Greg Digneo @ Biz 3.0

Mon Nov 13 02:29:07 PST 2017

Think about the ideal work situation for a moment. Close your eyes if you have…Read more

The post 7 Ways To Enhance Team Communication appeared first on Biz 3.0.

Savers Roundup February 2018: a 4.00% GIC, why Manitoba offers higher rates, and Hubert’s referral promo

by Peter @ Canadian High Interest Savings Bank Accounts

Thu Feb 15 11:43:44 PST 2018

More rate increases and a 4.00% GIC Last month, we saw the Bank of Canada raise its key interest rate by 0.25%, and savers are slowly starting to see the benefits. Outlook Financial, Achieva Financial, and Implicity Financial have all increased their regular savings and TFSA interest rates from 1.85% to 2.00%. AcceleRate Financial’s main…

Get to the Toronto Vegetarian Food Bank now

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sat Apr 30 06:02:00 PDT 2016

TVFB is once a month. The door's locked. There's usually someone right there to open it for you. So don't have a heart attack if the first thing you encounter is a building with no signs up, but it's the right address, and there's people inside, but the door's locked. It's okay.

This place has no catchment zone. But they're very carefully vetting everyone because they're terrified that someone with a job might come here for vegetables. Those evil working poor people. And they're very careful about excluding meat-eaters. Sort of. They're very careful to make everybody say that they're at least avoiding meat. So consider yourself effectively vetted.

Open from noon to 4pm, they serve amazing soup along with their stuff. Most of what they hand out is beautiful whole vegetables. That's why it's worth it. Some of their stuff isn't ripe and never ripens. Just like grocery store food!

People travel 30km round trip to come to this place. Families from all over the GTA descend on this downtown Toronto spot to tap this rare access to vegetables. Still no nuts, not much fruit, but whatever. It's equivalent to a haul from The Stop's food bank.

The Small Business Tax Reform in Canada

by Samantha @ Life on Credit

Tue Sep 26 17:19:46 PDT 2017

The proposed reform aims to introduce changes and eliminate tax loopholes that allow self-employed people to pass income to spouses and other family members. This is a hot topic in Canada as a recent Ipsos poll shows that 55 percent of respondents support the reform while 44 percent oppose the changes, especially small businesses. Making […]

Payroll Direct Deposit a Success at CPA

by Lisa Shaw, Communications & PR @ Payroll Direct Deposit – Telpay Blog

Fri Jun 20 13:37:17 PDT 2014

The Canadian Payroll Association’s 32nd Annual Conference & Trade Show was held on June 17- 20 at the Sheraton Centre in Toronto. Telpay attended as an exhibitor in the trade show portion of the event. This conference attracted payroll professionals from across the country of all experience levels due to diversity of the seminars and […]

Savers Roundup January 2018: rising interest rates, TFSA season, and Tangerine switches up its promo

by Peter @ Canadian High Interest Savings Bank Accounts

Wed Jan 17 12:39:15 PST 2018

Rising interest rates: how are savers affected? The Bank of Canada raised its key interest rate on January 17, 2018 by 0.25%. It now sits at 1.25%. 10 years ago, the key interest rate was being lowered from 4.25% to 4.00%, down from its latest peak a few months earlier at 4.75%. The rate bottomed…

First monthly update of 2018 & 5 stocks I’m keeping an eye on.

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Wed Jan 31 22:01:30 PST 2018

Sweet Jebus…the first month of 2018 is already over & although it went by too fast – I am happy with what was accomplished! Personal Highlights for January: One of my goals for the year was to take the wife out to dinner at least 5 times, and I am happy to say we were […]

RE: EFT & RBC Express ACH Direct Deposit

by Smith and Co @ EFT & RBC Express ACH Direct Deposit

Wed Jul 10 10:13:38 PDT 2013

I have a great deal of experience working with RBC Express. I did use Simply Beanstream prior to that. For either RBC Express or Beanstream you will need EFT Simply as that is the 'portal' that all direct deposit will go thru.. There is slightly more work involved with RBC but the period of time between processing the DDs (Direct Deposit) is far shorter for RBC than Beanstream. With RBC one can process DDs by 11:00AM (in BC as dependent on time zones) for DD to vendor/employees account the next day. If vendor/employee also deals with RBC then one could do a DD in morning and it will show in in their account same day. There are other things you can do with RBC Express that involves more than just DDs. The RBC cost is greater than Beanstream but for me with payroll of 60 plus employees and not receiving timesheets till Mon AM to still verify hours etc it was worth it - especially considering stat holidays on Mondays or Fridays which shortens the period for submitting for both RBC and Beanstream. Beanstream requires 3 days lead time so Tuesday AM processing date for DD'ing by Fri AM.

If you are ok with the 3 days lead time then I would suggest Beanstream or look at their Sage Payment Solutions as well to see if that works for you.

Some RBC branches are not as familiar with this. If you are not dealing with a 'main' branch then try calling the main branch and see if they know what you are talking about - make sure to let them know you will be using beanstream and not RBC Express. (I'm guessing you have already read the EFT Simply Guide on how to set this up and what to ask for from your bank?)  If they seem to know then ask for details on how to ask for what you need from your branch. Hope this helps somewhat.

How to make a basic woodland shelter

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Tue Nov 17 13:08:00 PST 2015

Shelter beds are scarce, and shelters are shitty. So a lot of people choose to camp out instead. It sucks to go into the bush and learn all the lessons that everybody else has had to learn, so here's some tips to get you started.

First, here's your procedure:

1. Choose your site carefully. You'll need it to be convenient to get in and out of, but also private. Don't put your site along a popular path. It turns the path into part of your site, and makes people uncomfortable as they come through. Don't pretend that you're claiming space: you have no right to deny anybody else their use of the space. You have no right to block off existing paths in order to make your site work better for you. You have to work within the bounds of what's socially reasonable. So what you're looking for is a patch of forest that is big enough for a site, and in order to find that, you'll need to figure out how far one path is from another. To make this easier, hang up a bright piece of garbage or something in a spot you're considering as a potential site. Then you can evaluate how visible it is from the adjoining paths. Evaluate and reposition your marker until you've got something with sightlines you can work with. You'll know how visible your site is, and you'll know which areas you may need to "bush up" as you're creating your site.
2. Plan your paths carefully. You'll need one or two paths that connect your site to the nearest access paths. If you create a path that connects two other paths, and put your site along it, then you've wrecked your own privacy by providing a new route through the forest. So it's best to make a dead-end path. Don't put your site at the end of the path (that's too obvious)... put your parking spot there. That's where you leave your bike, bags and other stuff you don't need at the site. You'll want to keep a camouflage tarp or something to cover your stuff. For your site, create another small trail somewhere along the way. Then your site will be at the end of a trail that's off a dead-end trail with some junk at the end of it, that's off a trail that people actually use. And at each trail juncture, you can install some easy-to-move obstacle, like a big dead branch or something, that hides the trail.
3. Create your bathroom. You don't really need a shovel, just a spade. Just some gardening stuff. Or a stick. And you just need a spot for two holes. You dig a hole, cover up your shit whenever you use that hole, and then when it's full, you dig another hole next to it and do the same thing. By the time it's done, the first hole will be fully composted and you can dig it up again. If that sounds gross, study biology. Your bathroom will also need some privacy and wind blockage. So build a tiny nest around your hole spot. A nest is like... a fence made of dead branches, stuffed with dead grasses. Might as well get some practice with a little one before you build your big one.
4. Before putting up a tent or anything, build your nest. Your main one. It needs to be large enough to enclose a small tent, a fire, and some working space. So it should be the size of a bedroom, and tall enough that you can just barely peek over the top. Once you've made a fence out of dead branches and trees, you can fill it in with weeds like stinging nettle or knotweed (the stuff that looks like bamboo). It should be thick enough that you have the privacy and wind protection you need to do basic tasks.
5. To make your main shelter, either build a teepee inside your nest, or turn your nest into a yurt. To build a teepee, grab a bunch of long, straight poles, like dead trees or two-by-fours or something, and lay them out on the ground. Fasten them together at one end with rope or a belt or something, and stand them up with the tied-up end in the air. Then, one by one, move the bottom ends of the poles outward into a circle. The top ends of the poles will cross each-other, so don't fasten them right at the top. Once you've got a nice cone shape, tighten the top if necessary. Then you wrap it with tarp. If you have bright tarps, this is where to use them: do two layers of tarping, one on the inside, and one on the outside... the inside one can be bright, as long as the outside one isn't. Two layers instead of one, especially if there's some space between them, adds a ton of thermal insulation to the shelter. You can even put in a layer of old messed-up sleeping bags or blankets between the two layers of tarp. One way or another, you've got to leave a hole at the top, for smoke from your fire to escape. It should be the same size as the fire itself... so, the smallest fire you can imagine. You can always cover the fire hole with an umbrella or a parasol or something, just make sure there's enough room for smoke to escape. Keep in mind, you'll need room for both your fire and your small tent, so your fire may not be right in the middle of the shelter. It's easy to build an off-center cone... you'll probably have some poles that are longer than others anyway, and having one side that's less slanted than the others just makes it easier to put a door there. For the door, you'll want to have extra tarp overlapping on both the inside and the outside, and you'll want the space between the inner and outer layers to be a lot wider at this point: wide enough that you actually have a kind of airlock, so you can go through the outer tarp, close it behind you, take off your outer clothes, and then go through the inner tarp. This will help reduce dust, cold and moisture in your shelter. If you're going to turn your nest into a yurt, instead of building a teepee, then you'll need to create a slanted ceiling on top, and put a tarp on top of that. You can easily wrap the fence you've made with a tarp on the inside, so you'll have a wall around you. You'll still need a smoke hole above wherever your fire is going to go.
6. The type of fire pit you're going to build is good for cooking on, and doesn't generate as much smoke as a typical fire. It's basically what we'd call a "dakota fire hole." Check out some pictures of them and these instructions will make sense. The classic design is great, but it's best to use a rock instead of earth between the two holes. Basically, you dig two holes that are right next to each-other, and then dig up the space between them, too. So you have one rectangular hole. It should be just big enough for a baby to sleep in. But you're not putting a baby in there. Like a foot by three feet, or smaller. In the middle, separate the hole into two holes with a channel connecting them, install yourself a nice rock. It's gotta be like a bridge across the hole. You need the air to be able to go down a hole, across into the other hole, and back out again, because that's what makes this type of fire hole work. You fill one hole with your firewood, and put the tinder down under the rock through the other hole, and light it. The fire burns under the rock, sucks in air through the wood, and the smoke and flame comes out the other hole. The rock gets warm enough to cook on. If you're not cooking anything, bake some rocks so you can sleep with them later on.
7. To prepare your tent area, put down your drop tarp... this is the one tarp you need that doesn't just make water run down the side, it has to actually block water. Most tarps will let water through if there's something touching the dry side. This one has to actually be even more than a tarp, so it's good to use something like an old broken air mattress or a rubber boat or something. The other thing you'll want is just some space underneath, so if you can find loading palettes or some kind of wooden frame to mount your tent on, that's great. An old door on some bricks is perfect. You'll want to choose a tent that's as small as you can handle, because you'll want to keep it just for sleeping. The only clothes you want to have inside the tent are you clean, indoor ones. Outerwear needs to be hung to dry instead, and is too dusty to be kept inside the tent. Combating dust is going to be one of your main missions. Since you're already indoors, you don't need a fly on your tent, but it does help to keep it warm. You'll want to choose a tent that you can easily bring outside to air out, because it will get damp. Humans sweat about a litre of water every night, so all your bedding is going to need to be removed from the tent and hung up to air out, fairly often. So even your sleeping bag, pillowcases, blankets and sheets should be in drab, woodland colours. Not the bright stuff that campers seem to prefer.
8. It's silly to keep your supplies in a site that you're not at most of the time. Your site is as visible as it is because it has to be large enough to house a human, but the stuff that you'll want to leave there doesn't have any living needs of its own, so it can be stashed in a storage spot nearby. Maybe somewhere along the path to the site, or between your parking lot and the site. A storage spot consists of a strong suitcase with a combination lock, a camouflage tarp to wrap it in, and a hole to stick it in. Doesn't have to be a deep hole, just deep enough to sink the suitcase into. If it's not a waterproof container, then don't sink it at all, just cover it up with brush and stuff.
9. You'll find there's a lot of things you want to camouflage, so it's good to craft up some of your own camo mats. All you need is long weeds or grasses, or flexible dead branches, and you just weave them together like cloth. Make your main mat and then weave in grasses and stuff, and have bushy things poking out so it doesn't look like what it is. Having convenient bits of matting to cover things up will save you having to scrounge for leaves and things whenever you use your storage spot or your parking spot, and a woven mat will stay in place better than anything else. It's also a lot better to use stuff like that instead of tarp, which is more visible and is technically just plastic garbage.
10. Now that your site's up, you'll have to check it regularly to see if you have any removal notices or business cards from outreach people. Housing workers routinely scout for campsites, and leave their contact information everywhere they go. If you can use their help, then go ahead and contact them: if you're in the process of getting housing help, then it's less likely that your site will be removed by police or the city. If you just leave the cards up, the likely outcome depends on how garbage-y your site is. Actually, your waste management situation and the overall visibility of your site is the biggest determining factor in whether or not it will be removed. If your site is targeted for removal, a notice will be posted there, giving you time to remove whatever you want before the city comes in and takes the rest. That's why you'll want to check the site, at least on a weekly basis, and preferably every three days... because those notices are meant for people who are living at their sites. Ultimately, the best course of action upon realizing that your site has been discovered is to move. If you've been found by housing outreach workers, then anybody can find you. Those little business cards are a good litmus test. If they show up at the other sites in the area, and not yours, then go ahead and pat yourself on the back: you're invisible. And as a poor person, invisibility is your absolute best security.
11. Make a greenhouse. Not for gardening... although, why not... but for drying clothes and stuff. You'll want to put it in a super sunny spot. You can use old mismatched tent poles for this project. You can also use this to build your main shelter, as an alternative to a cone or a yurt. It's easier to wrap, because the shape of the surface is rectangular instead of conical. All you do is, stick your tent poles in the ground and bend them over so they make a half-cylinder, like an airplane hangar shape. Then cover it with transparent plastic. Then you have two semicircular entrances, one on each side. Apart from being a good spot to dry clothes and grow food, a greenhouse can be a great hangout and cooking spot. Because it needs to be exposed to sunlight, it's probably going to be a lot more visible than your other structures, so it should be far away from the rest of your stuff. This is where you can bring your tent and bedding to, so it can air out and dry, even if it's cold and damp outside. As long as it's somewhat sunny, a greenhouse will either dry things out or just prevent them from getting wetter. The only other option you have for drying things out is to hang them above the fire, and some things you really don't want to smell like firewood, like your interview clothes!

• gardening gloves, a spade, a little shovel
• tarp in black, brown, dark green and/or camouflage... not blue, not bright green, not red
• a small tent, waterproof tarp and exercise mats to go underneath it, sleeping bag and pillow to go inside it, waterproof clothing bag
• a suitcase with a combination lock
• a big metal thing or some bike frames, to lock your bike to

• Don't cut down or remove living plants. The only legit exceptions are invasive species that shouldn't be here anyway, like knotweed, or species that nobody wants around like stinging nettle. If you break this rule, you risk both official and vigilante justice.
• Don't bring brightly-coloured objects into the bush. Red and blue are especially visible.
• Any plastics you bring into the bush, you have to bring out again with you. And metals.
• Bury your organic waste. Don't throw it into the bush: you'll end up with continuous raccoon noise and you'll never be able to tell when somebody's coming. And the coons will move on to harass you for every scrap of food at your site too.
• Don't do food in your tent. Pests will totally chew through the tent to research the food situation. Any place you eat or prepare food is going to be invaded by animals, so make sure you eat in a spot that's ok for animals to invade.
• Don't interrupt other people's use of the space, or impact on their sense of security. Don't apologize for being there either.
• Sometimes it's easier to team up with some trusted friends and put together a communal site that anybody can use. Sometimes it's less of a hassle to just do it alone. That's a choice that everybody has to make themselves... just make sure you know which choice you've made.
• Your whole site and everything in it is technically an illegal dump site. You're either dumping illegally, or trespassing, or exercising your legal right to live in the forest. Some laws suggest that if you're in the flood plain of a river, you're legal to camp out, but in that case you're also at risk of being swept away in the flood. That risk will make the city want to take responsibility for your safety by arresting you and putting you in a dangerous shelter.
• In general, camping in a flood zone sucks. So beware of riverside spots. Look around for signs of flooding: if there's a bed of small bits of wood that seem perfectly placed together, or banks of sand and stuff like that, that's a good indication that you're in a flood plain. If you do decide to camp in a flood zone, you have to be prepared to evacuate at a moment's notice, and you have to pay attention to the weather reports from upstream. It doesn't have to be raining in Toronto for the Don river to flood. It just has to rain somewhere up the river.
• Late fall and winter are the best time to scout for spots, because it's the only time you can evaluate your year-round concealment options. A well-hidden shelter built during the summer can become totally exposed when fall comes and the leaves fall down, so if you've built in such a spot, expect to spend the entire fall working on your nest. And you'll still end up sticking out like a sore thumb. Pick a spot with lots of brush and bramble that sticks around throughout the winter, or a spot with coniferous trees that stay green year-round, and you'll have a lot less worries during the winter. As if you need anything more to worry about.
• You'll need to keep a stash of dry firewood. You can use your fire to dry off wet wood. Any stack of firewood, while it's drying out, is going to attract spiders. There'll be little insects fleeing the wood as its sitting there waiting to be burned, and the spiders are there to feast on those insects. Don't worry about any of that, that's why you have a tent in addition to your shelter, and they will get the heck out of your site to avoid being near the fire, but when you return to your shelter after not having a fire in there for awhile, there's gonna be bugs in there to evict. Go ahead and start a fire, go out and gather more wood, and by the time you get back, the insects will have evacuated the shelter. If you run out of dry firewood in the winter, you're absolutely fucked.
• You have to buffer your supplies of everything. Buffer your firewood, buffer your water. As in, have extra. Go out and get more when you get down to a few days' worth. Don't wait until you're out. Have lots of extra water and firewood waiting for you at your site, and check it each time you check the site.
• While you're walking around your site, it's easy to gradually destroy the surrounding plants, which not only offer you concealment, but are also an essential part of the area and not something you have a right to destroy. That's why it's important to stick to your own path and go elsewhere when you're looking for dead foliage to use as camouflage. It requires a little more work to venture further away for this material, but it's essential to maintaining a natural looking site that won't get found.
• You have to somehow do all this without disrupting the bush. We can't afford to have the local forests ruined because of our shelter needs. And there's nothing that you need to do in order to meet those needs that actually requires any kind of disruption anyway. Every little bit of patience and deference will pay dividends.

RE: Electronic filing of T4 summary

by cb_canada @ Sage 50 CA Payroll - Recent Threads

Wed Feb 28 05:08:23 PST 2018

Thanks to you both. Another question, do you know why I can't select box 40 for an employees RRSP deduction when filing electronically in sage? Do I need to complete any T4s by hand for every employee who is contributing by hand?

A Comprehensive Review of the Top Graphic Design Companies

by Amara Pope @ Biz 3.0

Sat Jul 01 00:00:18 PDT 2017

Today, if you’re looking for a graphic designer…beware! The field is highly saturated and there…Read more

The post A Comprehensive Review of the Top Graphic Design Companies appeared first on Biz 3.0.

Allow Appropriate Password Complexity

by Catherine.Grant @ Sage 50 Accounting - Canadian Edition

Tue Mar 27 10:36:00 PDT 2018

Sage 50 US edition support passwords 7-16 characters in length. Sage 50 Canadian edition support maximum 7 characters. How does that make sense? If you could allow longer passwords, that would be great! Please and thank you [emoticon:c4563cd7d5574777a71c318021cbbcc8]

Don’t Piss Off Your Future Self: The 10 Best Money Lessons From Retirees

by Amanda Holden @ Young And Thrifty

Sun Mar 25 18:00:02 PDT 2018

“Don’t piss off your Future Self, Amanda,” or “Your Future Granny will not approve of this,” I’ll sometimes whisper to myself as I’m about to do something that feels financially—well—stupid. I started doing this about a year ago as a reminder to think critically about decisions and to consider their long-term effects. It's a helpful…

Don’t Piss Off Your Future Self: The 10 Best Money Lessons From Retirees first appeared on Young And Thrifty

Hubstaff Review: Using Time Tracking for Project Management

by Rob Rawson @ Biz 3.0

Mon Jan 08 08:54:27 PST 2018

Tracking when your employees are working, what they are doing at work, and what you…Read more

The post Hubstaff Review: Using Time Tracking for Project Management appeared first on Biz 3.0.

Travelling this Christmas? What Are the Best Travel Insurance Options?

by Samantha @ Life on Credit

Mon Nov 13 09:45:12 PST 2017

It you are travelling this Christmas to spend time with family and friends, you are probably thinking about the best insurance options for your vacation. There are different types of coverage, from single trip and short-stay solutions to all-inclusive packages. Comprehensive Insurance All-inclusive or comprehensive coverage usually includes stolen, damaged, and lost items and luggage, […]

Forum Post: customize a income statement

by swissmrs59 @ Sage 50 Accounting - Canadian Edition

Mon Mar 26 21:29:00 PDT 2018

Is there a way to create a customized income statement to have the accounts running across the page rather and down? I have a client where I just had to create a new sage file and built all the accounts from scratch to match their required set up. It's basically 5 headings and within each heading they have the same type of accounts for both revenue and expense. They want to have the income statement show the 5 headings across the top of the page (from left to right) and all the accounts within each listed below them. Can this be done in Sage or can it only be done in excel?

Worried about this stock market dip? If so – you’re doing it wrong!

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Tue Feb 06 11:04:03 PST 2018

I cannot believe the amount of worried/panicked Tweets, Facebook posts & Articles I have seen the last couple of days (especially from people in the personal finance community). Everybody breathe.  It’s going to be okay. I’m going to break this down for you: Markets go up AND down.  Crazy right? The last little while has […]

50th Anniversary of Bill Loewen

by Cheryl Mains, Marketing Coordinator @ Telpay Blog

Fri Jan 26 15:45:00 PST 2018

  This year marks the 50th anniversary of our very own founder Bill Loewen in the electronic payments industry.  Interviewed by Martin Cash of the Winnipeg Free Press, “An incessant innovator who’s always been just a little ahead of his time, even this year, the 50th anniversary of the start of his first business, Comcheq […]

PARC is back on the calendar

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Thu Apr 20 04:30:00 PDT 2017

For several month, PARC has been missing from the calendar. It's back.

RE: Non Taxable Benefits where Employer and Employee Pay 50%

by CarolCraig @ Sage 50 CA Payroll - Recent Threads

Thu Feb 22 13:33:15 PST 2018

Do you really need to show the premiums paid by the employer? The employee would be under the deductions and this in the set up allows you to check or un-check the taxes based on what you are doing. If you show the employer's portion of the benefit i would imagine this would need to be in the entitlements tab is that not correct. This would then show only as an entitlement not and income or deduction because it is neither. The entitlement tab shows WCB as well but this is what i would think would work and then it would not show up as extra income.

Doing a general journal entry with the vacation payable account

by Sarah1979 @ Sage 50 CA Payroll - Recent Threads

Wed Jan 17 10:23:11 PST 2018

Hi there, 

My boss has opened a new company and is moving some employees over. I want to move their vacation payable amount over to the new company using the general journal but when I try, the vacation payable account doesn't show in my list. Does anyone know how to do an entry with this account? Any help is greatly appreciated. 

Doesn't matter until it's you: the difference between lactose intolerance and dairy allergy

by noreply@blogger.com (Dorian Douma) @ Toronto Meal Programs

Sat Dec 19 15:28:00 PST 2015

Lactose intolerance is when you have digestive issues with dairy. Dairy allergy is when you're allergic to it. Like being allergic to grass or whatever. Lactose intolerance presents as symptoms of indigestion: gassiness, bloating, stomach discomfort. Dairy allergy presents in a bunch of different ways, like nasal congestion, sleep apnea and resulting insomnia, and resulting irritability, excess mucus and resulting bad breath... usually it's comparable to hayfever symptoms. Lactose intolerance is relatively rare, and dairy allergy is very, very common. It's one of the most common food allergies. Lactose intolerance is widely known, and dairy allergy is virtually unknown. So the common one is the one with the lower amount of public awareness about it.

The most important difference is the foods that will and won't cause trouble: a lactose intolerant person doesn't have to avoid as many foods as someone with a dairy allergy. If you're allergic to dairy, you can't even include foods just because they're labelled as dairy-free. Stuff without milk or dairy products listed on the label may include them. It's the difference between "may contain traces of" being okay or being not okay. If you're lactose intolerant, cocoa is okay because it only contains traces of milk, whereas if you're allergic, traces is all you need to be stuffed up or whatever.

Some stuff that contains dairy that's labelled as dairy-free: Chocolate almond milk, chocolate soy milk, etc. Any drink with chocolate in it is very unlikely to be made with cacao instead of cocoa (the key difference), because cacao is actual chocolate, and cocoa is processed chocolate, which is cheaper and more stable and, of course, requires milk to process. So those Vega chocolate covered vegan chocolate bars? Yeah, they do have milk in them. Because they have cocoa in them. If it were cacao instead of cocoa, they'd be vegan. But it's cocoa, so it's dairy. Bread is also impossible to distinguish, even if dairy is not contained on the label. There are probably some safe brands at the grocery store, but if you're not sure, just don't buy bread. It's easier to make your own dairy-free pancakes than it is to try all the different breads in your grocery store, to find the one that's magically, accidentally dairy-free.

So unfortunately the vegan dairy-free meals at The Stop aren't completely dairy-free. They're dairy-free enough for people with lactose-intolerance, because they recognize that condition. But nobody recognizes dairy allergies, so it is officially impossible to find a soup kitchen meal that will not trigger a dairy allergy. The Stop does come very, very close, closer than any of the other places, but it's still not really an option, if you're allergic to dairy.

Actually one of the few places where an allergy to dairy is recognized, and surprisingly at that, is in the ODSP and OW special diet directives. They qualify you for an extra dollar a day, just like lactose intolerance does. And if you have both, you just get that extra dollar a day. Not two. But don't worry, there's a benefit in there for involuntary weight loss, too, so if you can document your starvation with your doctor, then a few months of only having access to one soup kitchen meal, half of the days of the week, you'll probably qualify for that benefit. It's a far cry from the extra $300 or so that we used to be able to receive for those who needed an all-organic or all-vegan diet, but that disappeared as part of our cumulative 50% wage cut over the past decade. So, yeah, we have two food banks and one meal program that recognizes that not everyone can have dairy. See you at the TVFB. Don't grab the vega bars.

RE: Electronic filing of T4 summary

by brea @ Sage 50 CA Payroll - Recent Threads

Wed Feb 28 13:52:23 PST 2018

You stated:

Another question, do you know why I can't select box 40 for an employees RRSP deduction when filing electronically in sage? Do I need to complete any T4s by hand for every employee who is contributing by hand?

To clarify, are you stating the employee contributes to a company RRSP plan or are they contributing to their own personal RRSP using the employer to deduct the RRSP amounts and the employer is remitting them to the plan on their behalf and the employer is not contributing to the plan.

Top 12 Best Credit Cards in Canada for 2018

by Samantha @ Life on Credit

Sun Mar 25 16:25:45 PDT 2018

The best credit cards offered by Canadian finance companies, unions, and banks feature money back, airmiles and bonus points, comprehensive insurance coverage, no or low foreign transaction fees, and plenty more. Best Canadian Cashback Credit Cards There are credit cards that feature extra cash back during the promotional period as well as no annual fee, […]

*Off Topic* The Pink Lady

by Jordan @ moneymaaster.com @ MoneyMaaster.com

Fri Mar 02 16:10:52 PST 2018

My sister was recently in town, and said she wanted me to make her a drink. “Something sweet” she said. I knew she liked Gin, and I had recently been experimenting with egg whites in my drinks, so I thought the “Pink Lady” would be the perfect drink to try. Ingredients: 2 oz Gin (I […]