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What Happens When the CERB Ends? Jun 24th
The Canada Emergency Response Benefit (CERB) is designed to help Canadians cope with the loss of employment as a result of the COVID-19 pandemic. The benefit was about to expire in July for some of the earliest applicants, but it was recently extended by an additional eight weeks.
Despite the exten.... More »
7 disability insurance myths to stop believing + MORE Sep 25th
Disability insurance can be a tricky topic, and misinformation is common. Luckily, insurEye, a Canadian insurance education site, has compiled a list of more than 100 disability myths that need busting. We’ve picked seven that we think are most prevalent.
Get personalized quotes from Canad.... More »
Why Offer Employee Benefits Feb 4th
What Every Small Business Owner Needs to Know
The current labour market has shifted and is now in favour of the employee. Coming out of the pandemic, there are more jobs available than there are people willing to fill them.
What does this mean to the average small business owner? In a nut shell, it.... More »
What Does Silicon Valley Bank’s Collapse Mean for Canadians? Mar 25th
The collapse of Silicon Valley Bank, or SVB, earlier this month has been sending shockwaves throughout North America’s tech and banking industries. The lender, based in Santa Clara, Calif., had clients that included start-ups like HR and payment firm Rippling and major tech companies like Roku. It.... More »
BMO Ascend World Elite Mastercard review May 3rd
If you’re itching to travel again, BMO has a card designed to help you get there. With an attractive insurance package and perks like airport lounge access, the BMO Ascend World Elite Mastercard seeks to tempt users into the BMO Rewards program. But here’s the big question: Is the card good enou.... More »
What you need to know before starting a home renovation
– moneysense.ca
Q. I’m about to start a home renovation. What type of paperwork and contracts should I have with the contractor? And do I need any type of insurance in case anything goes wrong, or am I already covered under a home insurance policy?
–Sharon
A. These are all good questions, Sharon. Let’s start with the type of paperwork or contracts you as a homeowner should have with the renovator you hire. The short answer to this one is simple: you should have the kind that is thorough and in writing.
Much of the litigation I am involved in that’s related to home renovations is the result of the parties not entering into a written contract at all or not entering into a written contract that properly addresses everything that will go on between the parties during the renovation process. Having a thorough written contract is the best way for both the homeowner and the contractor to maximize the likelihood of things going smoothly. To put this another way, it will minimize the chance either will feel the need to get involved in litigation…
–Sharon
A. These are all good questions, Sharon. Let’s start with the type of paperwork or contracts you as a homeowner should have with the renovator you hire. The short answer to this one is simple: you should have the kind that is thorough and in writing.
Much of the litigation I am involved in that’s related to home renovations is the result of the parties not entering into a written contract at all or not entering into a written contract that properly addresses everything that will go on between the parties during the renovation process. Having a thorough written contract is the best way for both the homeowner and the contractor to maximize the likelihood of things going smoothly. To put this another way, it will minimize the chance either will feel the need to get involved in litigation…
