Are you struggling with Credit Card or Line of Credit Debt? Obviously, debt is never planned. When running a business, however, even small amounts of debt can create a deep level of stress, especially if there is no contingency plan in place to pay it off. If you have business debt, your number one goal […]
Risk Management
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Shyam Ganesh Cash Flow & Debt Management, Insurance, Risk Management, Small Business Tips Business Owner, Business Plan, Grow Your Wealth
How to withdraw income on a regular schedule? Many business owners ask me how they can pay themselves so that there is consistency and certainty. Too often, a business owner will make withdrawals from company accounts whenever they have a specific personal requirement. The amount fluctuates depending on the amount owing on a credit card […]

Shyam Ganesh Insurance, Planning, Risk Management Budget
Today I want to share with you a tool that has helped me in managing my day-to-day financial expenses. If at the end of each month, you find yourself wondering where your money went, or if you are wondering how your credit card bill got to be so big, or if you aren’t satisfied […]

Shyam Ganesh Insurance, Investment, Risk Management
It’s that dreaded time-of-year again – I am not talking about winter, but tax season. Did you know there is a difference between tax planning and tax preparation? A tax preparer helps you file your taxes, whereas a Certified Financial Planner® can help you plan and execute a strategy in advance of tax time, helping […]

Shyam Ganesh Insurance, Planning, Risk Management
Getting a group insurance from work can provide us with a sense of security. When we first get our benefits package, it can be exciting to see all the things we are covered for. However, it is important to know both the pros and cons of having work insurance. Every once in a while, I’ll […]

Shyam Ganesh Insurance, Planning, Risk Management
Credit is a critical tool in your financial toolbox and one of the most important measures of your ability to access it is your credit score. Whether you wish to finance a car, buy a home or real estate investment, or start a business, a better score will qualify you for better interest rates and […]

Shyam Ganesh Insurance, Planning, Risk Management
According to latest report from Statistics Canada, 21.9% of Canadians are immigrants, the highest share in 85 years! And, it is predicted that by 2036 immigrants will represent 30% of the Canadian population. Are you new to Canada? Then you will know that every year thousands upon thousands of newcomers make their new home in […]

Shyam Ganesh Insurance, Planning, Risk Management, Tax
It’s never easy making transitions, and even more difficult when it’s because you’ve been laid off. We’ve helped a lot of clients on this journey and decided to share some tips and considerations as part of our ‘Real-Life Series’. Avoid Financial Pitfalls by Finding Your Blind Spots Contact Us Today Here’s the real-life situation: Experienced […]

Shyam Ganesh Insurance, Planning, Risk Management
A number of my friends and clients lost their homes in the fire that displaced 80,000 residents in the Fort McMurray fires. It was a tragic event, and yet people have boldly looked forward. Some are rebuilding while others have chosen not to. Although it has now been over a year since it all happened, […]

Shyam Ganesh Cash Flow & Debt Management, Insurance, Planning, Risk Management
In the last three years, Alberta’s economy has experienced the worst recession in three decades. Oil prices fell causing mass layoffs and a real estate downturn. Many Albertans are now questioning traditional thinking and exploring alternative ways to secure their financial future. HERE ARE MY TOP FIVE FINANCIAL STRATEGIES TO HELP SAIL THROUGH UNCERTAIN TIMES. THE […]