www.money.ca

money.ca
www.money.ca

MONEY.CA is highly ranked on yahoo google bing and youtube and is popular with social media, Canadian financial consumers and is a favorite of The Advisor Channel. MONEY represents Canadian money at the highest level. MONEY online is the destination place for the average Canadian who needs to make, save and preserve more of their hard earned wealth. We are most proud of the fact that we are a friend of, associated with and are considered a darling business firm focused on Canadian financial literacy. All of our products and services are focused on money, personal finance and financial literacy. While money concentrates on providing a simple line of business in the realm of financial advertising we endeavor to engage and facilitate exchange of knowledge and power with and to Canadian’s.

Our products and services are simple and obvious in nature with a narrow minded aim to provide good, timely and actionable news, information, insight and advice.

Welcome to The MONEY Network and the growing MONEY Vertical that is helping the average Canadian bring up the mean for all the right reasons.

MONEY.CA online with over 10,000 new, unique visitors monthly and growing exponentially.

Money Magazine in print at Chapters Indigo Smith Books Coles and other fine retail establishments. Money Magazine is also available online in magazine format with ISSUU.COM

The Money Newsletter a monthly electronic communique that is well receive by over 10,000 CASL approved subscribers known as loyal MONEY Members.

Money Media we are partnered with the top 10 world class press and media organizations with considerable and unique free access to media and resources.

Money Video from concept to creation and production MONEY Video creates top quality financial content for internal purposes and outside sales.

The Money Show for Television is on TV 2 times daily, 7 days a week in 4 provinces in Canada with regular ‘same channel – same time’ scheduling.

MONEY is online – in print – in the media – with video – and on television. What more do you want? Let us know how we can improve and how we can get MONEY working for you.

As a continuous theme we are always and connecting the dots between MONEY and the 12 core areas of personal finance.

investments – insurance – mortgages – tax – trust and estate planning – financial planning – credit
budget and savings – business – real estate – finance – financial literacy

Advertise, Sponsor – Contribute or Promote with MONEY and be recognized as a champion of Canadian Financial Literacy and an elite social sponsor.

James Dean

Toronto

416-360-0000

info@money.ca

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Andex Chart – Free Canadian Andex Chart Handout with purchase of Money Membership. MONEY.CA online – Money Magazine to the door step and the monthly Money Newsletter to the desktop.

Buy MONEY Membership at $30.00 per annum and get a free current edition Canadian version Andex Chart Handout. When you buy one you give one – an older version will go to a child, student or teenager as an act of kindness toward Canadian Financial Literacy.

info@money.ca

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Attendees of The Financial Show will receive a Free 2014 Canadian Andex Chart at the reception desk.

 

 

Generate New Sales: Mark Borkowski

Its your call: How to generate new sales prospects.

Humor me for a second. Think back to the last deal you closed and ask you, “Who was the decision maker I had to reach and influence? How did I do it?”

The reason I asked you to think about that is because there will always be someone you will need to contact and influence to get the next deal and the one after that and all the deals you could ever possibly close in one lifetime. Your success doesn’t just happen. You make it happen, and it all begins with prospecting.

Prospecting is nothing more than the art of speaking with people who might do business with you, and engaging them in a meaningful conversation so that they will want to see you and talk further. Let’s not make it any more complicated than that. At the end of the day a telephone sales call is only a conversation between two people.

Make a list of everyone you just identified. It doesn’t matter if you need to speak with fifty people or only one; your focus is on precision not volume.

Once you have the names write down the main issues facing each person on that list. The reason I’m suggesting that is because you will have to address their issues, not yours.

If you start your conversation rambling on about your products and services you will sound like you’re selling something. When you talk about their issues you hit their Greed Glands which address what’s in it for them. Retirees are not waking up in the morning wanting financial products. (It would be nice.) They are, on the other hand, concerned about the rising cost of living.

Once you’ve worked out what you want to say you will have to get the person on the phone. The objective of your call list is not about making calls. Many financial advisors base their lists on volume, in other words the more names on the list the better because if they don’t contact someone there are plenty more to call. What happens with this approach is that most people end up leaving a lot of money on the table, missing up to 75% of their opportunities, simply by not contacting people. A call is not a commodity. It’s precious.
It would be nice if we were mind readers and knew where our biggest opportunity was, but we don’t so we have to speak with everyone. Your objective is to book appointments.

So whether you have twenty people to call or only one, get them on the phone. All of them. Without exemption.
Leaving a voice message doesn’t count. That only fools you into thinking you contacted someone when in fact all you did was leave a voice message. The easiest way is to ensure that you connect with your prospects is to simply find out when they are in, and then call at that time.

By planning your calls and your message you stay in control.
Once you get your prospect on the phone you will have the opportunity to speak for all of about thirty seconds at which time you will either ask for an appointment or ask a qualifying question. From the time you introduce yourself to the time you ask for an appointment there are less actually than thirty words. Make each word count. The words you speak paint images in people’s minds and you have complete control over what those words are.

Twice as important as what you say will be how you say it. Speak slowly and send the message that what you have to say is important. It’s so important that you will take a minute before the call to focus on how you can make the prospect’s life better, and that will bring out the passion in your voice.

At the end of each call you will either be sitting there with an appointment or you won’t. Either way self-assess to either see what you did well so that you can do it again on the next call, or look at where you need to improve.

If a call does not work out for whatever reason figures out if it was they or you. If there was something you could have done better, make sure to take correction action for the next call and then reward yourself for learning from your mistakes. When you consistently self-assess you stop repeating the same mistakes, and when that happens your performance benchmarks rise as like gravity.
By making yourself more effective you ensure that your next deal will be more successful than your last.

Mark Borkowski – is president of Mercantile Mergers & Acquisitions Corporation. Mercantile is a mid market M&A brokerage firm based in Toronto. Contact: www.mercantilemergersacquisitions.com

ADVERTISEMENT: Brought to you by Financial Advertising Canada

www.financialadvertising.ca

 

Financial advertising, marketing and sales without the 56% google inefficiency.

Google admits that advertisers wasted their money on more than half of internet ads

By  http://qz.com/author/zwenerflignerqz/

Online advertising is a fickle thing. It accounts for 20% of the ad industry’s total spending, and over 90% of revenue for the internet giants Google and Facebook. That said, no one seems to have any idea whether it actually works.

That uncertainty reached a new high this week, as Google announced that 56.1% of ads served on the internet are never even “in view”—defined as being on screen for one second or more. That’s a huge number of “impressions” that cost money for advertisers, but are as pointless as a television playing to an empty room.

This is not a big revelation. The web metrics company ComScore reported last year that 46% of online ads are never seen. Spider.io, an ad fraud company acquired by Google in February, has pointed out that a large portion of ads are “viewed” only by robots, revealing that one botnet of 120,000 virus-infected computers viewed ads billions of times, running up the tab for advertisers without offering them the human eyeballs they sought.

Still, the acknowledgement by a heavyweight such as Google that ad viewability is a problem could shake up the industry by delaying possible IPOs of ad companies and requiring new ways for advertisers to gauge the effectiveness of their ads.

The nineteenth-century retailer John Wanamaker famously said, “Half the money I spend on advertising is wasted. The trouble is I don’t know which half.” In this case, it’s the obviously the half that pays for ads which are never seen, and now advertisers are looking for new tools to figure out which those are.

It’s worth noting that Google made this acknowledgement of the deficiency of the model it has profited richly from while also offering a new model to advertisers: In July it introduced its Active View product, which measures only viewed ads.

Guildhall Diamonds – Launches shiny new alternative investments site for investment grade diamonds

Guildhall Diamonds
Guildhall Diamonds

Shine bright like a diamond. Why pay good money for good diamonds? white diamonds, yellow, diamonds, green diamonds, blue diamonds or red.

The markets may go up and down and with it fortunes and lifetime savings are crushed or diminished. There is a good reason for not putting your eggs in one basket.  Some say” diamonds are like real estate in your pocket”. In this day and age with markets up and down and perhaps too complex there was always other ways to invest. Precious Metals, jewels, gems, silver and gold, all hot commodities in general also may have their ups and downs.

To really know what your getting you need research, you need experience, you need connections. You know where you can get the best deal on “alternative investments”?.

One such company is Guild Hall Diamonds that has a unique offer that is wearable, beautiful investment opportunity. For most of us who barely know about cosmetic jewellery and then less of precious metals and least about diamonds then this new website will help. Learn the difference between diamonds first of all. You get what you pay for and knowing pays Nicole Snitman known as the Queen of Diamonds is ready to provide a high end service for a few millionaires and a growing and varied group of alternative investments investors. Targeting the rich is easy but getting them to buy still proves difficult. Often times less than one hundred regular and loyal clients that buy, buy  often and more than one diamond for keeping and re-sale.

For me and my money I am quite impressed with this website, alternative investments and shiny stuff that is valuable and and in high demand. I can see the client list growing to not only the elite and wealthy but perhaps the average Canadian.  Check the website our at www.guildhalldiamonds.com Guildhall Diamonds Inc. I can see this market growing to include a few market segments that were not available before. Learn more about the risks and rewards of alternative investing and investment grade diamonds  at this recommended site.

 

Financial Advertising

MEDIA Release: NEWS FOR MONEY – FINANCIAL ADVERTISING

It’s not a newsflash to understand that marketing and advertising are important and meaningful facts of life. There are many economic indicators that we judge are standard of living by including, new home sales and automobiles by example. Advertising is another key indicator of how things may go in general. People both in and out of the financial world often say “How are the markets?”. We want to say in reply How goes your marketing? Everyone somewhere is doing better than some one else at any time in the same very same field or market. Differentiation is the new norm and specializing companies will yield greater value and market share.

Advertising is important and Financial Advertising even more so. It will be the first indicator that shows the pre-season is warming up to the idea it is time to keep up with the Dows and the Jones, surpass them, succumb to them or wind down.

It is the Season for Financial Advertising and this year looks to be a grand one in deed. Canadian Financial Services is doing well, starting off with the Canadian economy, stable banking system and positive outlook.

More and more financial companies are getting the idea slowly that advertising and marketing is not what their grandfather’s generation did. It’s all new and exciting with a whole new generation both online and mobile and totally social.

Less than 5 years ago most executives had no idea about social media and may have caught up to websites and email just now. This next generation has heard that video killed the radio star and now expects nothing less. The “tell me in 1 minute or less” generation is here and the convergence of these multi-media lead to one thing a younger and more sophisticated, savvy customer.

“The message is the media”. And to that extent we agree as Canadians. MONEY will go one step further and deliver it to those who want, warrant and need it most and in the manner, time and method they best prefer.

The Great One – Wayne Gretzky said: “Go to where the puck will be”.

People will be drawn to MONEY in many ways and the BRAND is a natural and beyond compare. Learn more about MONEY Financial Services Advertising and Marketing, learn more about attracting and retaining your exact target market.

The MONEY Vertical is a multi-directional financial campaign that makes sense and pays dividends it is affectionately known as The 5 Pronged Marketing Attack.

MONEY.CA

Toronto, Canada

416-360-0000

The Mortgage Killer – NPA and the big banks Secrets Revealed

NPA a bargaining chip with big banks that helps a great number of average Canadians in many ways.

By:Jaoquin Benitez – Learn more tips, tricks and techniques that make, save or preserve more of your money.

www.themortgagekiller.ca

Perhaps you will be shocked to find out the banks’ worst kept secret, or perhaps it is something that you already knew, but never recognized as a valuable piece of information.

Lending institutions protect themselves by securing the loan with the property that they are financing. This gives the moneylender some assurance that the property owner will pay back the borrowed money on time as specified in the original mortgage agreement and as long as you keep making your mortgage payments, everybody lives happily ever after.

However, if the homeowner begins to fall behind on mortgage payments, the dream of owning a home could become your worst nightmare, not only for you but also for the lending institution.

What is the secret that the bank does not want you to know? The bank does not want to take away your home! I know it sounds absurd, but by the time you finish reading this article you will be persuaded that it is an accurate statement. Allow me to go a step further; the very last thing that the bank wants to do is foreclose on your property. It will become an extra expense that they don’t need to incur and it will cost them thousands of dollars to take a property through the foreclosure process. Now you may be asking yourself: If that’s true, why are they threatening me with foreclosing my property? What do they really want?

There is a simple answer: the bank collection agent wants to scare you into making up the late mortgage payments, and by doing so, ensure you will continue to make your payments on a regular basis until the end of the term as specified in the mortgage agreement. The threat of foreclosure is the only tool that the bank has at its disposal to persuade you to make the mortgage payments.

Furthermore, once the bank initiates the foreclosure process, the laws regulating the banking industry require them to report that property as a non-performing asset. Doing this will hinder the bank’s capacity to borrow more money and will affect its overall credit rating. The bank must try to avoid having to report a non-performing asset on its books at all cost. In many cases, banks intentionally delay initiating a foreclosure proceeding for up to six months, and sometimes even up to a full year, to avoid reporting the property as a non-performing asset.

The ‘non-performing asset’ problem or the NPA, as it is commonly known in the banking and financial industry, affects the banks in more ways than you and I may care to know. These three simple letters strike terror in the banking sector and business circles. The dreaded NPA rule simply states that: “When interest on a loan or any other monies is due to a bank and it remains unpaid for more than 90 days, the entire bank loan automatically becomes a non-performing asset.” They will go to great lengths to avoid having to report a property as a non-performing asset.

Why would three simple letters, “NPA,” cause such terror to a financial institution?

There are a number of problems that will arise from having too many NPAs on the bank’s books. The biggest problem is that the bank must have a certain amount of dollars in cash reserves. If their levels of non-performing assets become too high, they will have to put more cash into their reserve account to compensate for these non-performing assets. This means they now have less money to lend. In addition, they now have to deal with a house that they don’t want because it will become a money pit. Furthermore, they will not be able to make a profit on it because of the way mortgages are structured.

In their quest to maximize their profits, banks structure mortgages in a way that they are paid the majority of the interest up front or at the beginning of the loan term. This is called a front-loaded mortgage, and most mortgages are structured in the same way. This means that in the early years of your mortgage you have not built much equity in the house because the majority of your mortgage payment was slotted to pay for the interest on the loan.

Often banks find that their asset (your house) is worth less than what they lent out, and once the bank takes ownership of your property, they not only have an administrative and legal nightmare, but they are about to take a financial bath!

Even though I am not a bank advocate, I am certain that if you were in the bank’s situation, you would be forced to do the exact same thing. The bank does not have any other recourse. The only legal recourse available to them is foreclosure in order to try to minimize some of their losses. However, that is their very last option.

Can you see the predicament that lending institutions find themselves in? On the one hand, they are losing money by not receiving your mortgage payment and on the other hand, they can’t really afford to foreclose on you because of the negative consequences this will bring them.

While this is an admittedly simplified explanation of how financial institutions operate, the bottom line is that banks are in the “money buying and selling business.” To put it in clear and simple terms, the bank’s profit is generated by the spread created between the interest rate that they pay you on your money and the interest rates that they charge on the money that they lend out. The bank pockets the difference. For the bank to make any money, it must lend out the funds in its possession, or find some sort of investment vehicle that will guarantee a rate of return greater than its cost of borrowing.

Consider the main motivating factor for a bank to be in business. It is not to provide a service to the general public; they are in business to make money. In a foreclosure case, they will most likely lose money. As the old saying goes, “the best way to make money is to stop losing money.” Having the knowledge of how lending institutions operate is empowering. Since you now know that lenders don’t want to foreclose on your property — and you don’t want them to foreclose on you — you have common ground to work out an agreement that will stop the foreclosure process and satisfy both of your needs. Remember: The bank does not want to foreclose your property.

New Canadian Money

New Canadian money: beautiful, colorful and scarce until now. The Bank of Canada is in full phase launch mode. The latest series of new 5s and 10s join the line-up of the newest printed Canadian 20s, 50s and those wonderful “C” notes.

The new Canadian money is different, unique and distinct as its land, languages and people. “The smell of money” a common old saying brings new meaning to Canada and Canadians. OOOAAAW – the scent of money. Many Canadians and a few brave members of the media have reported the smell of maple syrup that wafts off the newest Canadian bills.

In order to best enjoy Canadian money one must know the rich history of its past. The English and French fought over our fledgling nation throughout the 100 year war. Two of the most powerful Imperial nations at the time mixed it up to own, control and rule these lands and peoples for many reasons.  The “A History of the Canadian Dollar” by James Powell is the definitive history and a must read for any money aficionado, novice or patriotic Canadian. http://www.bankofcanada.ca/publications-research/books-and-monographs/history-canadian-dollar

From playing cards to coins and notes, Canada has a beautiful currency history and the story is fascinating and the odyssey continues today. The nostalgic penny will no more see the light of day whilst the demand of copper has increased the value of the remaining pennies – a hidden advantage to be recycled and live on. In the “Canada Economic Action Plan 2012”, the Federal Government announced it would phase out the penny from Canada’s coinage system. To help consumers, businesses, charities and financial institutions to plan for the change, a transition date of February 4, 2013 was set as the official date that the Royal Canadian Mint would no longer distribute pennies. Rounding up and down will take some time to get used to for retailers, consumers and Canadian businesses. http://www.budget.gc.ca/2012/themes/theme2-eng.html

Money in Canada is not without its own inherent problems; counterfeit currency has plagued the nation several times 5s, 10s and 20 dollar bills have all surfaced at different times. I have had the pleasure of personally receiving two fake 20s from a bank machine just in the last two years. Unknowingly, Canadians have used and passed on hundreds of thousands of dollars. The new Canadian money is many times more safe and secure than most currencies to date. See the latest safety features, information and equipment available to take in, authenticate and transact the new Canadian money. http://www.bankofcanada.ca/banknotes/bank-note-series/polymer/

The Canadian Dollar, commonly known as the Loonie, embarked on its metamorphosis in 1982 changing from paper money to minted coins. We have often learned in a painstaking manner from the last generation the true value of a dollar. It has been told to us, shown to us and demonstrated. It’s all this pent up energy we had in our childhood that enables us to cut loose if and when we can ever get money or it’s more dangerous relative, ‘credit’. This fact of knowing the value of a dollar has little or no effect on the currency and worth as it fluctuates on a daily basis and is based on complex systems, other than the value of other currencies together with fiscal and monetary policies as set by the Government of Canada and the Bank of Canada. The price of bread, milk, eggs, cars and homes have increased considerably, but accordingly, and in line with inflation.

The American Dollar: you cannot mention Canadian money without considering American dollars – our closest geographical neighbor and largest trading partner.
The Canadian Dollar holds its own compared with the United States but has had its ups and downs; in the early 70’s the Canadian dollar was worth more than the greenback. In the 80’s Canada had a policy of making it easier to trade with the U.S. by having a lower dollar that encouraged Americans to buy Canadian and do more business here. In recent times, as America tries to re-invent itself and regain the helm of as a leading economic nation, Canada will get a tremendous boost as America rebuilds and restores its once unchallenged place in world rankings. For now, our currency exchange is almost on par and our financial institutions are in good shape because of good and strong government policies.

“Old money is better than new” a statement that refers to extreme family wealth or inherited money. Newsflash! There are now more self-made Canadian millionaires today than ever before
yet the gap of the 99% and 1% grows exponentially.

New Canadian Money is here and we should enjoy it and embrace it, covet it, have it, hold it and learn to share it with those that have nothing, less or not enough. The color of money will not change and the meaning of money will not change; but change we must! With time, technology and circumstance, our young and growing world-class nation must change to grow.

MONEY-CA.COM Stand on Guard for Thee

Me and My Money - MONEY CA
Me and My Money – MONEY-CA.com Stand on Guard for Thee

MONEY CA – money.ca a Canadian website often confused because of the .ca many North Americans confuse the CA for California State in the United States of America. In fact the .ca is the Canadian international brand for websites recognized worldwide and CIRA the Canadian Internet Registry Association registers and administers Canadian sites in Canada.

This letter, communication and challenge are put out there to not only recognize MONEY-CA as Canadian but to let popular search engines like yahoo google and bing accept us as a distinct nation and county that has its own currency.  Often times Canada a lower populated country beside the Americans is geographically larger than the U.S.

The American economy is considered to be much larger because of it’s population and a large tax paying base of citizens. Canada small, quiet and cool a nice place to visit one of the greatest places on the earth to live. Canadians do have a highly skilled work force are often influenced by America and Americans. Canada is in fact a world player and a G8 nation with an abundant amount of natural resources that many other countries envy.

MONEY.CA is the online destination place for money, finance and financial literacy for many Canadians, Americans and International followers.  Without goal tending and red tape MONEY.CA should and ought to be placed and ranked highly on any world-wide search engine or listing. Yaho0 google bing and youtube along with a few other social media companies like Facebook, Twitter and LinkedIn are considered to be the Internet where you are supposed to find good, important and relative information based on your search request.

MONEY.CA and money-ca.com are one in the same and the message is clear here we are and welcome to MONEY.CA Truly we accept all denominations of money and people. The way we go about our business to get your attention when Search Engines fail to do their job and rank top sites with good content high. When goal tending and pay for service enters the picture then greed and not service are the winners.  Find us any way you can and when you do make a marker, create a favorite and tell others in person or online that MONEY.CA is here and where not moving off the Internet or out of Canada. And so the next time you see any of our sites that crawlers miss we can be found in the places that you would in fact most likely look.  MONEY.CA is the main benefactor of important prominent keyword sites like MONEY-CA.com CA-MONEY.COM Canadian-Money.com and Money-Canada.com stand on guard for thee both locally across Canada and throughout the world we should be found at our usual address and placed prominently and according.

MONEY.CA number one on yahoo google bing and youtube including others is the only goal for MONEY to be found and not lost for any reason. Follow our trend to the top for getting better quality content and information to you, your money and your local search engine crawler.

 

 

 

 

Money Magazine – Canadian Money Magazine in Canada for Canadians

Money Magazine
Money Magazine Cover

MONEY® Canada Limited, a 100% Canadian owned financial media company publishes its eagerly anticipated print offering – MONEY® Magazine.

 MONEY® Magazine is has been in existence for a number of years, and is picking up its momentum now as the Canadian financial markets prepare to enter their busiest time of year. Packed with feature articles from some of Canada’s best financial writers, MONEY® Magazine hopes to capture an audience among both seasoned investors as well as those new to the investing world. Experts in the realm of Canadian Money a most important and meaningful subject matter.

With Financial Literacy as its primary goal, MONEY® Canada Limited is proud to announce this newest edition of MONEY® Magazine. Reached for a comment in Richmond Hill, Ontario, Owner and Publisher, James Dean had this to say about the awaited issue, ‘We’ve worked very hard to provide real journalism, opinion, and insight from some of Canada’s best [writers]… we’ve got something for everyone in the this issue. Real Canadians can learn a great deal from our publication.”

In addition to the great news, reviews, and interviews published for the benefit of the readers, MONEY® Magazine is also pleasing financial advertisers with this new high-gloss, high definition full color magazine. The next issue of MONEY® Magazine comes out in January 2013. Advertisers are encouraged to call MONEY® Advertising for rates and bookings 416-360-0000.

 MONEY® Canada Limited is a publisher of financial content across all media. From websites and magazines, to books, blogs, and broadcast quality video, MONEY® is Canada’s premiere choice for financial services advertising, marketing, and promotion. Canadian Money Magazine and Money Magazine online are synonymous with the MONEY Newsletter and the MONEY Magazine full four color process publication.

More about MONEY® Magazine, can be found at Money.ca