Greening your business

February 17, 2014 | Raya | Comments (2) Facebook Twitter More...

Tree

Greening your business isn't just good for the environment, it also makes good business sense. No matter the size of a company, it is possible to draw in customers and reduce company costs by creating a greener workplace. Over the last few years, MacLean's magazine has  featured companies making green business decisions that have affected employee morale and involvement while at the same time  improving their bottom line. Companies such as Canadian Tire, McDonald's Canada and Memorial University have been retrofitting buildings with energy efficient lighting, reducing water consumption and using unbleached paper. Efficient and cost effective alternatives have also made it easier for many companies to continue to be successful during times of economic turbulence.

If you are looking to green your business and create a better relationship with your customers, employees, suppliers and investors, start with these few simple first steps:

 1. Use electricity wisely. Turn off all computers, printers, photocopiers, and other equipment that doesn’t need to be left on at the end of the day and leave them off until you need to use them again.  When leaving a room for more than a few minutes, switch off the lights. Use compact fluorescent bulbs instead of incandescent ones. Take advantage of natural sunlight as much as possible.

2. Reduce, reuse, recycle. This means more than just throwing old notepaper in the blue bin. Really think about everything you use. Do you need disposable cups at the water cooler? Can you use the other side of the used sheets of paper you’ve thrown in the recycle bin? Australia has added a fourth R – Refuse. Simply put: Don’t buy stuff you don’t need. And, when you do make a purchase, bring your own bags.

3. Use environmentally friendly office products. On average these products only cost 5% more, which is a small price to pay to cut down on waste and pollution. Start small – 100% recycled paper, refillable ink cartridges, non-toxic highlighters, etc. 

4. Use non-toxic cleaning products. There are many brands available. Encourage your cleaning company to use green cleaning products and if they won’t, switch to one of the many companies that do use environmentally friendly products.

5. Telecommuting and transportation. Encourage working from home, particularly for workers who would normally drive to work. This cuts down on pollution and increases time availability. Help arrange carpooling and encourage use of public transportation, biking, or walking to work.

6. Aim for a paperless office. Though the paperless office may still seem unrealistic, at least try to cut down on printed material when possible. Read on-screen and only print documents when absolutely necessary. Use only 100% recycled content paper products in the office.

7. Fair trade & organic. Buy fair trade, organic coffee and teas for the office. If employees prefer to go out for their hot beverages, encourage them to take their own mugs.

Need more help?  Check out these books:

Green Green2 Green3 Green4




 

 

 

 

Money Matters Spotlight: Investing in Dividend Paying Stocks

February 16, 2014 | Christina | Comments (0) Facebook Twitter More...

This blog was updated on February 27th, 2014.

Are you interested in investing in dividend paying stocks?

If so, check out the following titles at the Toronto Public Library


Strategic Dividend Investor
Be a Dividend All about dividend investing
Strategic Dividend Investor Be A Dividend Millionaire All About Dividend Investing

In addition, the following eBook titles may be of interest to you:

Dividend Imperative
Get Rich
Dividends still dont lie
Dividend Imperative        Get Rich with Dividends Dividends Still Don't Lie

For more titles, search the Toronto Public Library catalogue with the recommended subject Dividends.

Have a Question about Real Estate in Toronto?

February 10, 2014 | Thanu | Comments (0) Facebook Twitter More...

Are you a first time home buyer? Are you looking to sell your property or leasing in the near future?

If so, come join us at North York Central Library on Thursday, February 20, 2014 at 6:30pm in the Auditorium to learn everything there is to about buying, selling, leasing, and investing.

 

UntitledIn this interesting presentation, Claude Boiron, Real Estate Broker, Investor, Developer, Author of two books, and University of Toronto Instructor, will give an overview of real estate ownership, buying, selling, leasing, and financing.

Come ready with your questions!   

This program is free. All are welcome. Registration is required. Please call 416-395-5613 to sign-up. See you all very soon! 

 

Check out Claude's books available in our Toronto Public Library catalogue:

ImagesCAR5B2A4 Untitled

 

 

 

 

Money Matters Spotlight: Tax Tips for 2013 and 2014

February 8, 2014 | Christina | Comments (0) Facebook Twitter More...

This blog was updated on February 27th, 2014.

If you are interested in tax tips for 2013 and 2014, the following titles at the Toronto Public Library may be of assistance:


Barnett, James J., Robert E. Beam, and Stanley N. Laiken.  Introduction to federal income taxation in Canada.  34th Edition, 2013-2014.  Don Mills, Ont. : CCH Canadian, c1980- .


Byrd, Clarence E., and Ida Chen.  Byrd and Chen's Canadian tax principles.  2013-2014 Edition.  Toronto : Pearson Prentice Hall, c2004 - .


Canadian Master Tax Guide
.  69th Edition, 2014.  Don Mills, Ont., CCH Canadian, 2013. 


CCH Canadian Limited.  Preparing your income tax returns.  2014 edition.  Don Mills, Ont. : [s.n.].


Duncan, Garry R.  Canadians Resident Abroad 2014.  Toronto : Carswell, c2013.


Evelyn Jacks.  Jacks on tax : your do-it-yourself guide to filing taxes online.  2014 edition for 2013 returns.  Winnipeg : Knowledge Bureau Inc., 2013.
 


For more titles on this topic, search the Toronto Public Library catalogue with the subjects Income tax - Canada, Tax planning - Canada, and Taxation - Canada.

Also, the latest Ontario and National editions of Your Personal Tax Planning Guide are available online at the Certified General Accountants of Ontario website.

The Moolala Guide to Rockin’ Your RRSP

January 27, 2014 | Raya | Comments (2) Facebook Twitter More...

Ev.owa

 

Please join us at the North York Central Library on Tuesday, January 28, 2014 at 6:30-8:00pm in the Auditorium to learn how to make wise investment decisions for your retirement years.

In this fun and engaging talk, Bruce Sellery, columnist and author, will bring you The Moolala Guide to Rockin’ Your RRSP. He’ll make retirement savings relevant to you, help you to develop a simple plan to rock your RRSP immediately and leave you inspired to get up and take action.

The first 50 people to attend will receive a FREE copy of Bruce Sellery's new book!

 

Business Department - North York Central Library.  5120 Yonge Street

FREE.  Call 416-395-5613 to register

 

Titans of American industry

January 27, 2014 | Raya | Comments (0) Facebook Twitter More...

Carnegie   Morgan   Rockefeller   Vanderbilt
     Andrew Carnegie        J.P. Morgan        J .D. Rockefeller       Cornelius Vanderbilt


 

In the waning days of the American civil war Cornelius Vanderbilt, John D. Rockefeller, Andrew Carnegie and J.P Morgan were beginning careers that would  help America become the richest, most inventive and productive country on the planet. Through their drive, ambition, and business savvy, they created  some of the greatest industries of our time.

Shipping magnate Cornelius Vanderbilt began making his fortune by running ferries from New York’s harbours filled with cargo and people. He began his entry into business at age 16 with a $100 loan from his mother that he used to buy a ferry. The New York Central Railroad became the centerpiece of his railroad empire, and he owned the largest rail company in the world.  He envisioned a monument that symbolized his grand power, and construction of the Grand Central Depot began- today known as Grand Central Station.  It was the biggest building in New York City and the largest rail-station in the country  spanning 22 acres.

As a boy John D. Rockefeller sold candy to neighbourhood children using the money to help support his family. Later he would go on to loan money to neighbours at interest to earn money.  At 24 years old, he invested everything that he owned into his first oil refinery and made a deal with Vanderbilt whom he supplied with the cargo he needed to make his railroad successful. This move gave Rockefeller the opportunity to corner the oil market. After offering his competitors an opportunity to sell to him early and in exchange receive cash and stock in Standard Oil, he established the country's first monopoly and became the most powerful man in the country. He then decided to build a pipeline to bring his own oil to his refineries which, once completed, was over 4,000 miles long.

Andrew Carnegie, although well-known for his philanthropy later in life, made his fortune in the steel industry.While working for Pennsylvania Railroad early in his career, Carnegie began investing in various business ventures. He left the railroad in 1865 to focus on his other business interests, namely steel. By the late 1880's, the Carnegie Steel Company revolutionized steel production in the United States and had become the largest company of its kind in the world. He built plants around the country, using technology and methods that made manufacturing steel easier, faster and more productive. For every step of the process, he owned exactly what he needed: the raw materials, ships and railroads for transporting the goods, and even coal fields to fuel the steel furnaces. This strategy helped fuel the economy and helped America become the nation that it is today.

John Pierpont Morgan was born into a financially well-off family and took over the family banking business after his father's death. He began making changes by moving from safe loans to riskier venture capital loans. In 1892 he financed the merger of Edison General Electric and Thomson Houston Electric Company to form General Electric. Not only did Morgan invest and loan to businesses but he often bailed out financially strapped organizations such as the U.S. Treasury in 1895 and New York banks during the Panic of 1907. By investing and lending money to various business enterprises, Morgan played a crucial role in helping to expand business in the United States during the progressive era.

To read more about these titans of industry and how they were responsible for building massive empires in America, check out what the library has to offer:

Carnegie Vanderbilt Tycoons Rockefeller

America Rockefeller Carnegie Carnegie



 

 

Is Your Identity Protected?

January 20, 2014 | Thanu | Comments (0) Facebook Twitter More...

Identity theft

 

Do you know whether you are safe from identity theft?  Want to learn about the best prevention strategies to deal with this crime?

Join us at North York Central Library this Thursday, January 23rd at 6:30pm in the Auditorium for an information session to better understand fraud and learn how to protect yourself from being victims of identity fraud. Program is brought to you by Charterted Professionals Accountants of Canada.

If you can't make it to the program this week, you can attend the program at Parkdale Branch on February 12th at 6:30pm or Runnymede branch on February 20th at 6:30pm.  

Keeping your financial resolutions

January 6, 2014 | Raya | Comments (0) Facebook Twitter More...

 

Financial
Making financial resolutions may not be at the top of everyone's list but for those whose are, making and keeping them is incredibly rewarding. Like any exercise program becoming financially fit takes discipline. Here are a number of ways that can help you keep these resolutions:

1.Try to find a friend or family member that will go through the same program as you or someone who can encourage you to achieve your goals.

2.Gather and organize all your finances such as group pension plans, recent tax returns, investments etc. It may also help to automate everything by using online financial planning tools that allows you to keep track of all your expenditures.

3.Talk to a financial advisor. By looking at your overall financial picture, an advisor can help you put realistic steps in place that can reduce the interest costs you pay and can create an accelerated debt repayment plan.

4.Set realistic but specific goals that will help you stay motivated.  Try opening a new savings account and set up an automatic withdrawal and deposit a reasonable amount every month. Seeing these savings steadily grow might encourage you to increase your monthly deposits.

5.Keep future goals such as retirement or perhaps a dream vacation in sight. The small contributions you make now will make it easier to achieve these future goals.  One way to remind yourself of these future goals is to have a scrap book or bulletin board with pictures or notes that list the things that are on your bucket list.

6.Reward yourself. Don't make this a painful exercise. Treat yourself to something inexpensive from time to time.

7.Once you have a plan in place, stick to it.

From paying down your debt to making wise financial decisions, the library has books, ebooks and audio visual material that can help you keep your financial resolutions:

Financial2 Financial3 Financial4 Financial5

Financial6 Financial7 Financial8


 

 

 

 

The Conference Board of Canada's Metropolitan Outlook for Toronto CMA is now available.

December 23, 2013 | Christina | Comments (0) Facebook Twitter More...

For those interested in economic insights for the Census Metropolitan Area of Toronto, the Conference Board of Canada produces a publication entitled Metropolitan Outlook:  Economic Insights:  Toronto CMA.  This publication provides five-year economic insights into the economy of Toronto CMA and is updated three times a year; i.e. Spring, Fall and Winter.

According to the Conference Board of Canada, Metropolitan Outlook:  Economic Insights:  Toronto CMA, also known as Metropolitan Economic Trends - Toronto CMA, is the "only market-by-market forecast of the full set of economic indicators necessary for success."

The publication includes data for Canada and Ontario. For Toronto, there is an overview as well as forecasts for manufacturing, construction and services.  Projections are available for employment, gross domestic product, housing starts, real estate, and more.

To view the latest copy, ask for assistance at the Business, Science & Technology Information Desk on the 3rd floor of the Toronto Reference Library.

Jean Chow's residency as TPL's 2013 Entrepreneur in Residence comes to a successful end

December 19, 2013 | Christina | Comments (0) Facebook Twitter More...

Many thanks to Jean Chow, Toronto Public Library's 2013 Entrepreneur in Residence, for all her valuable advice and inspiration to aspring entrepreneurs and small businesses during the past two months with her three programs and numerous, free one-on-one business consultations.

Jean Chow  Photo 2012 jpeg
If you missed opportunities to attend her programs or have a one-on-one consultation, visit TPL's Entrepreneur in Residence blog.  You can continue to follow Jean Chow at msbizwiz.com

The Toronto Public Library has other programs and services that may be of assistance.  Visit TPL's Small Business page for upcoming Programs & Seminars, Specialized Resources, and Spaces to Meet & Work.   Expert Staff Assistance is also available via Book a Librarian, a free 30 to 60 minute interview with a librarian, or IntelliSearch, a fee-based custom research service.

Here is a list of six titles in relation to Entrepreneurship recommended by Jean Chow.  Check them out at the Toronto Public Library

Icarus Deception E Myth Enterprise Self Leadership
The Icarus Deception The E Myth Enterprise Self Leadership and the                One Minute Manager
Catch Tipping Point One Minute Manager
Catch! The Tipping Point One Minute Manager

Welcome! We are specialized librarians in our business department and we write about current issues for small business owners and those interested in personal finance matters. For more information and resources see our Small Business & Personal Finance page.

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