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

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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
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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

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.

Seneca College – School of Money

Me and My Money
Me and My Money

Leader in Ontario with 70,000+ registrations in continuing education

TORONTO, Sept. 18, 2013 /CNW/ – Seneca has reached its highest continuing education enrolment in its 46-year history with more than 70,000 part-time student registrations.

Seneca has long been the leader in providing flexible, high-quality programs for those who want to further their education and upgrade their skills, attracting significantly more part-time students than any other Ontario college.

“We are delighted that the demand for our continuing education programs continues to grow,” said David Agnew, Seneca President. “This is part of a broader trend of students seeking more flexible options for their education, and Seneca is responding with evening, weekend and online courses that are meeting labour market demands.”

Most part-time students at Seneca are working towards a professional designation or career-based credential, whether a degree, diploma or certificate. Part-time enrolment has grown by more than 10 per cent over the past five years and continues to grow this fall.

Working with industry partners and program advisory committees, Seneca’s Faculty of Continuing Education and Training offers more than 150 part-time degree, diploma and certificate programs. Seneca continues to expand its suite of graduate certificates and degrees to meet student and employer demand. Seneca has recently launched a new part-time Accounting Techniques certificate and new part-time graduate certificates in Nonprofit Leadership and Management and Social Media.

Seneca’s fall full-time enrolment has also increased by nearly five per cent over last year.

With campuses across the Greater Toronto Area, Seneca offers degrees, diplomas and certificates renowned for their quality and respected by employers. Combining the highest academic standards with practical, hands-on learning, expert teaching faculty and the latest technology ensures Seneca graduates are career-ready.

Find out more at www.senecacollege.ca/ce
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SOURCE Seneca College of Applied Arts and Technology

What To Do With Your Christmas Bonus?

It’s that time of the year when employees start to receive their annual evaluations and employers start to pay out annual Christmas bonuses. Many people contemplate the payout options for their Christmas bonus and they often seek the advice of a financial advisor.

When clients ask me what they should do with their Christmas bonus my advice always depends on their individual budget, their average tax rate and their personal savings capacity.  However, regardless of your personal financial situation the options are always the same. Canadians usually have 4 different options to choose from when you are deciding what to do with your bonus.

Option 1: Put your bonus into your RRSP.  This is a very common bonus option for employees because it helps increase your personal savings (aka your net worth) and it may also give you an RRSP contribution receipt to declare as an income deduction on your annual income taxes.

Whether or not you receive an RRSP contribution receipt depends on how your employer chooses to pay out your bonus.  If the bonus is paid to you as part of your salary and it is contributed into your RRSP with after-tax money (meaning you already paid tax on the lump sum bonus amount) you will receive an RRSP contribution receipt. However if your employer is contributing the money on your behalf with pre tax dollars you will not receive an RRSP contribution receipt to declare on your income taxes.

It is very important to inquire about the RRSP options for your bonus before making a decision on whether or not you wish to contribute your bonus into your RRSP.

Option 2: Take your bonus in cash.  This is another very common option for employees who are receiving a Christmas bonus.  Having a lump sum of cash deposited into your bank account just in time for the holidays can be very helpful for all of your seasonal expenses.

If you chose to take your bonus in cash keep in mind that you may have to pay a substantial percentage of the gross amount in taxes; this could leave you with a significantly less amount of your bonus money after taxes.  However keep in mind that you may be able to recuperate a portion next year when you file your annual income taxes.

In Canada we have a progressive tax rate system. This means that Canadians do not pay the same percentage of tax on the first $10,000 of income earned at the beginning of the year as we pay on the last $10,000 of income earned at the end of the year.

You may be able to recuperate the difference between the tax rate paid on your bonus at the end of the year (i.e. your marginal tax rate which is the highest percentage paid on the last dollar of income you earned during the year) and your average tax rate. As an example if your bonus is $10,000 and you paid tax on it at a rate of 42% but your average tax rate is only 38% you should receive an income tax refund of $400 ($10,000 x 0.04).

Option 3: Chose a combination of the 2 options.  If you want the best of both worlds you can chose to take a percentage of your bonus in cash and you can allocate a certain percentage of your bonus into your RRSP.

Option 4: Defer your bonus and take it in January.  Depending on your personal income, your marginal tax rate and your average tax rate it may be beneficial for you to defer your bonus and take it in cash in the New Year. This of course is only beneficial if your marginal tax rate is substantially higher than your average tax rate.

What are you doing with your Christmas bonus? Tell me on Twitter @TKBlogs

Photo by meddygarnety