Memo to Doug Ford—Ontario desperately needs personal income tax reform

on June 16, 2018

Due to last week’s election victory, Doug Ford is Ontario’s premier-designate. However, now comes the difficult task of governing. While there’s no shortage of pressing policy issues for the province, tax relief should be top of mind when the Ontario PCs take office. And there’s no better place to start than by addressing Ontario’s biggest tax competitiveness issue—high and uncompetitive personal income tax rates.

A recent Fraser Institute analysis found that the average Ontario family (consisting of two or more people) will pay 43.3 per cent of its income in various federal, provincial and municipal taxes this year.

And the top combined provincial-federal tax rate in Ontario is 53.53 per cent—the second highest combined rate in Canada or the United States and one of the highest in the developed world. For every extra dollar a high-earning skilled professional earns, governments keep more than half in income tax alone.

 

This a major issue for Ontario, as research shows high marginal tax rates discourage productive economic activities such as work, savings, investment and entrepreneurship. In addition, a punitive top tax rate makes Ontario less-attractive to entrepreneurs and mobile skilled workers, particularly compared to neighbouring rust belt states such as Michigan where the top federal-state income tax rate is just 41.25 per cent (and kicks-in at a much higher income level).

Of course, one might wonder whether Ontario can afford to cut income tax rates. Simply put—it can.

A recent study estimated that if Ontario introduced a single 8 per cent income tax rate (with measures to ensure no lower-income residents faced tax increases), revenue would decline by $7.6 billion in 2018/19 (in the context of a $159 billion operating budget). This cost could be almost entirely offset by cancelling planned spending increases in this year’s budget.

Moreover, this estimate does not account for the fact that lower tax rates would improve economic incentives and likely spur economic growth, helping partly offset any revenue losses. Ontario’s top personal income tax rate would plummet from 53.53 per cent to 41 per cent, and go from the second highest rate in Canada and the U.S. to 12th lowest.

This is hardly a draconian suggestion, particularly when you consider that spending increased significantly last year. (With a spending freeze in 2018/19, spending this year would still be up 6 per cent in nominal terms over the past two years.)

Given the enormous competitive pressures facing Ontario, a year of spending restraint is a worthwhile price to pay for an economic shot in the arm to boost competitiveness. As one of his first orders of business, premier-designate Ford should consider a tax plan that offers major relief and improves economic incentives, enhancing competitiveness and driving growth.

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Getting Braces in Simcoe

on April 8, 2018

A Dental Adventure to… Brace for:

Getting braces is quite a dental ordeal. Let me share with you my experience with getting braces as a young girl.

Where did my Braces Adventure Begin?

When I was little I used to bite my lip all of the time. And as I grew up into a toddler my two front teeth were separated and stuck out of my mouth. I continued my lip biting and mom and dad told me to stop but I never listened. Even on repeated visits to the dentist I was warned.

I later learned the consequences.

My dentists said that I had an overbite, and it needed to be treated. A few years later after I lost my baby teeth, the next ones grew in the same way. We went into an orthodontist and they were talking about metal bars, and surgery for my jaw. It all sounded like so much, kind of scary.

My parents went for something a little more friendly for a 3rd grader. I soon found out I had to wear head gear and braces. I did not like the thought of having braces in grade 3, yikes!

G'morn

Did you like wearing braces?

No I didn’t. I didn’t like braces because I was wearing braces 5 years before everyone else got them.

I also had to wear head gear, which was my least favorite because you are restricted to one sleeping position, on your back, it hurts your teeth, its big, and its just plain embarrassing. I really wished my dentists and orthodontists could have found a better way to correct my teeth.

In a way I was saved because I didn’t have to wear the head gear to school, but if I was ever in the store, or in a van, or at the movies, someone would see me and I would die inside.

Diet Restrictions

I also hated the restricted diet. You couldn’t eat gum, pretzels, corn, apples, candy, pop or caramel.

Again, I was in a way saved because it stopped me from eating all the bad foods I shouldn’t eat anyways.

What was the Best Part of Wearing Braces?

The best thing about having braces, was making my teeth straight again. But I also did like the diet. It retained me from eating bad foods on holidays, at school and at work.

There was a fun factor to the braces. I got to pick a colour elastic band to hold the braces wire together, so you could pick from a wide variety of colours to wear on your teeth.

I suggest not wearing yellow, green, white or clear. Because yellow makes u look like u have gross teeth, and green looks like broccoli in your teeth, and white and clear get stained really easy form foods.

Was there any boring, annoying daily rituals?

Yes. I had to brush my teeth after every meal as well as floss, and mouthwash.. I also had to wear elastics, so I had to put those on and off in-between meals. I had to wear headgear at night, it was painful difficult to sleep properly.

My orthodontists and dentists suggested many different tools like a water jet, so it sprays out all the food in between your teeth, without hurting the braces.

How long was the process of correcting teeth?

It took from grade 3 to the end of grade 8. I was at a school in Simcoe, Ontario.

In grade 3 I just started with head gear, and two braces on my front middle teeth. After that they put the rest on the top, and that was about in grade 4. After that they added on the bottom braces in grade 5.

They put in a retainer on the roof of my mouth. And then I only had a year of head gear left In grade 6. I had my braces on for about 2-3 more years, right to the very end of grade 8.

They put in a permanent retainer behind my top 4 teeth and another on my bottom 4 just so my teeth don’t move anymore. They gave me plastic retainer to use during nights only now.

When you got the braces off what was the first thing you ate?

When I first got my braces off I wanted them back on. I hadn’t seen my normal plain teeth for like 6 years. I wasn’t used to and neither would any body else. But after a couple days it was looking normal.

My teeth were so white. When I got home I chewed gum, and I got to choose a restaurant to eat at for a celebration. I chose my work, called The Fisherman’s Catch.

I had a burger with fries, gravy and nothing else. Woohoo!

Businesses in Oakville, Ontario (Finding the Best 2018)

on February 11, 2018

Why Do I Love Oakville?

I love how small YET big Oakville is. It retains a sense of small town charm and essence, but still has everything a person needs in terms of big city luxuries. I mean, we have a Whole Foods, for goodness sake. There’s only a handful of these stores in Canada to begin with. So for Oakville to be blessed with one is just that – A blessing!

There’s other great things about Oakville, and it does seem like the benefits seem to pop out in the warmer weather. It is a summer town, and with that comes beach walking, and trail hiking. All the while keeping close to the major artery of Ontario, the 401 and QEW. You’re never far from an exit strategy if you happen to need one.

How Did I Find Oakville?

You can find Oakville, Ontario squeezed right between Burlington, On and Mississauga On. This comfortable middle ground is the perfect economical center point to keep local businesses adaptable to their service area, as well as keen on what outsider competition is doing.

You never want to get stuck in your comfort zone when there’s always the possibility of a neighbor coming in and eating your lunch!

Is it Costly to Live in Oakville?

It is reasonable to live in Oakville. I will not specifically say whether it’s expensive or cheap, as that totally depends on your point of view. Granted, I know many people would say that it is a costly community to live in, but if you’re on the other side, and have a pretty decent job, you’ll be thankful that you have a great selection of retail outlets and Whole Food type markets to spend your money on.

I always say that healthy living is one of the best investments you can make in yourself, so why would you want it any other way – Eat and live healthy in Oakville, Ontario.

Oakville Businesses

If you are looking to learn more about local businesses, you need to tune into either the Oakville Chamber of Commerce directory, or the Company page of the city itself. A great list of who’s who in this wonderful area.

doggy

Great Business Ideas in Minnesota (For anyone!)

on February 9, 2018

What’s a Good Business to Start in Minnesota?

If you’re like me, and you probably are: Human, live in North America, are on the internet -> Then you’ve probably at one point or another considered starting your own business in Minnesota.

You may have different reasons for wanting to start your own business, for me it was just about the freedom to actually do what you love (whether in Minnesota, or Ontario!), and be the one who sets the pace, and sets priorities.

For you it may come down to just wanting to work from home, or maybe you’re looking to get away from ‘that boss’. Whatever the justification, if it feels right to you – Then it’s probably right.

Opportunity

There’s a tremendous variety of businesses that you could start on your own, even in parallel with a full or part time job. By doing your new venture in tandem with your existing job, you can phase yourself from the old to the new.

Here’s a couple easy to start business ventures that you can take advantage of right here at home in Minnesota:

  • Pet sitter or dog walking – Low start up cost, and can be done at off hours to fit in with your other job
  • Computer repair – It takes a little bit of reading and practice, but there is essentially zero cost to get started.
  • Photographer – Now this may end up outdated very soon, but it can still be a very easy side project to start for yourself.

For the time being, let’s discuss the dog walking and pet sitting aspect of starting your own business as a pet care provider:

doggy

How do I start Pet Sitting or Dog Walking?

With a business such as pet sitting or dog walking, the first step is really all about getting clients. Well, I suppose you SHOULD love animals and pets as well, that would go a long way.

But getting started is hard, because you need clients! How is someone supposed to make money without clients?

A valid question, but the secret… Is to NOT charge. At first, at least.

A great answer on a Quora post of a similar nature here

Getting Pet Sitting or Dog Walking Clients (The Easy Way)

That’s right, don’t charge for the service. That is the number one way you can start out in many fields. Especially businesses that don’t have any real overhead besides time. Time is the great arbitrage as Gary Vee once said. What that means is, if you’re freshly starting a new dog walking or pet sitting business – All you need to invest is your time! It can payoff huge.

When is a Good Time to Charge for Services?

After you’ve made the rounds of getting some no-charge dog walking or pet sitting clients, you can then try to ask for referral business within your new network, or use testimonials from the free clients to use as social proof that you’re doing a great job.

PS – You must do a great job for this to work!

You’re using the giveaway to get the ball rolling. It will help to build confidence, and hone your skills so that you’ve got some personal data to draw experience and vital information from. Such as:

  • What are normal pain points and how to address them to clients
  • What is the time really worth to you – Is is a $10/hour vibe, or more? Only you can decide
  • What is your geographical target? Do you want to stay in your Minnesota community, such as Hastings, Lake Elmo, or Woodbury?
Lake Elmo Mn

Credit where credit is due – let me know if this is your pic!

Why Would People Hire a Dog Walker or Boarding Service in Minnesota?

People would hire you because of the following:

  1. What they’ve heard about you from others
  2. What they’ve heard about you from yourself.

Which of those is more trustworthy you think?

The Value of Social Proof

It has been said many times that word of mouth is one of the best ways to get more business. Via referrals, or review sites, you can be sure that the positive reviews that others leave for your business, or if they talk to their networks, that you are more than likely going to end up with more business.

get reviews

It’s why you aim to do a good job.

For Minnesota natives, there’s lots of reasons to hire dog sitters and pet sitters, or dog walkers. Even boarding services have their place if you are willing to board other people’s pets in your own home.

Whether people are working late, or have emergency matters to attend. There’s a dramatically bigger market than you’d think for these types of pet services. If you’re into pets, and have time – It’s an excellent investment in yourself.

Conclusions

In summary, the moves you make are all tried and true. For ages, it’s been the same things that work for new businesses. Use your time, if you have it, as your giveaway to get your foot in the door, and do a darn good job once you’re in, as the feedback you get from the free pet care jobs can lead to future PAYING jobs.

Pet sitting and dog walking

new stove top in kitchen

Kitchen Renovations in Norfolk County

on November 19, 2017

Kitchen Renovations in Norfolk County

Why Should I renovate my Kitchen?

You should renovate your kitchen in Simcoe or Norfolk County if you are at your wit’s end putting up with out of date flooring, cabinets, counter tops, or lighting (among other things).

We all experience this feeling. Especially when we are so often bombarded with pictures or videos of brand new kitchens, or fresh renovations on other people’s posts or on TV (if you still haven’t cut the cord!). It’s hard NOT to be jealous of an updated kitchen with all the bells and whistles one would expect from a modern kitchen reno in Simcoe.

new stove top in kitchen

This is not to say we should just jump head first into a relationship with a local contractor and start making demands for marble and hard wood. If the circumstances are right for you, and you can afford to make the change, then you should absolutely take a look at updating some rooms in your house. Typically the kitchen or bathroom are the first that people will upgrade.

When is the Best Time to Start a Project?

Any type of interior renovation is okay to do any time of year. Though you’ll often have better luck trying to capture the attention of a Norfolk County contractor if you wait until the late fall / winter.

Late Fall and Winter is Prime Time

Contractors are usually focused on the seasonal efforts in the Spring and Summer, so they may intend to delay these sorts of interior renovations until they’ve got all those exterior projects completed.

Thought there are additional factors such as issues with debris removal, but we know a local contractor who takes extra care in how they tackle winter renovations.

Who is the Best Contractor in Norfolk County?

As much as I hate to play favorites, there comes a time in every blogger’s life where they must draw a line. The best contractor in Simcoe, and Norfolk County, based on reviews, experience, and overall quality of workmanship:

Mark Acton Construction Ltd

Based right here in Simcoe, Ontario, Mark Acton Construction has been updating and renovating kitchens across Southern Ontario for over 30 years. Mark and his team’s attention to details and the functionality of a modern kitchen are key factors of why he’s been nominated as the best local contractor.

Though, to truly get a read on his services, and how he tackles each project, you’d be best to start up a conversation with him yourself.

Kitchen in Simcoe

Kitchen room

How Can I Contact Mark Acton?

You can get in touch with Mark by phone at either:

  1. 519-429-3001
  2. 519-909-0385

Or you Can check out his listing on the Renovation Directory or his website page on interior renovations here. There’s always a contact form on these types of pages, so you can quickly send him a message to request a kitchen renovation meeting.

It’s a great way to get started and see what it would take to kick start your next big upgrade.

How Long Does it Take to Upgrade My Kitchen?

Always the question of the truly impatient. A complete kitchen renovation project takes time. You’re talking about finesse and technical skills all combining in harmony to create Simcoe’s next hottest kitchen. It’s not going to happen overnight.

Some smaller jobs can be done in short order. However, if the job requires almost complete tear down and recreation of the space, you can bet you’ll be in to a multiple day affair.

I know Mark and crew strive to do as much with the time given. Ultimately it’s simply too unfair to both sides of this equation to predict a timeline without having the conversation.

How Much Does it Cost to Renovate in Simcoe?

Well… This is an easy one. READ ABOVE. You cannot possibly hope to be able to put a price on the ambiguity that comes with all of the variables involved in a construction project. No contractor in Norfolk County would submit to that. That’s just crazy!

woman in the kitchen

What Type of Products & Materials Should We Use?

A good kitchen involves a lot of thought in materials and styles. Most modern bold kitchens have an excellent mix of components that won’t become dated. Not as fast as some of the 80’s stuff at least.

With granite or marble counter tops you are adding a hearty, hefty and durable surface for all of your kitchen preparation.

Can I do Kitchen Renovations Myself for Less?

I know how this goes. When you start planing to do the reno yourself, you’re in one of two camps… Either you are gung hoe and have a grand master plan. OR, you’re like me, and you dread the thought and verge on anxiety about doing any of the work yourself.

If you’re handy at all, I would certainly entertain the idea of doing the labor yourself. It just isn’t for me. And that is why I call a local Norfolk Country contractor like Mark Acton for my interior jobs!

 

Norfolk County Contractors

Foundation and Demolition: Morris Trucking

on July 30, 2017

Morris Foundations / Demolition

Morris Trucking & Excavating has been around the block… More than once. For over 45 years, this trucking and excavating company has existed to help people (or businesses) like you, save money, and get work done faster. This win-win scenario for your project (foundation, demolition, lot leveling etc) that uses a ton of past experience and existing equipment to do exactly what you need, and in good time.

Save money with:

  • Equipment rentals when you need them
  • Operator rentals so you don’t need to train operators
  • The right equipment for the job
  • Decades of experience, by the hour

Get to Know Morris Trucking in Norfolk County

For Morris Trucking & Excavating, hard work has always been a matter of fact. Long hours and hard work are what make this Simcoe, Ontario based foundation and demolition company such a long term success.

Morris has plenty of heavy equipment for rental if you need to use their services to get a job done fast. For instance, if you’re building a home in Norfolk County, and need an excavator to dig the foundation, or a backhoe to demolish an old home… They’ve got you covered.

Heavy Equipment Rentals

Heavy equipment for rent is largely a great investment for home builders, as they can tap into huge capitally intensive inventory, and put it to use at an hourly, or daily rate. This is a far better use of financial resources than putting down the capital required to purchase the equipment outright.

Experienced operators are also part and parcel to the Morris Trucking operation, as you may definitely require someone licensed, insured, and trained to use the machinery. Excavators, backhoes, loaders and dump trucks may all seem like something that anyone can operate, however, they are certainly complicated machines.

Knowing your Heavy Machinery / Equipment in Simcoe

Do you know your heavy equipment? It’s important to have a grasp on the different types of rental equipment from Morris Trucking that you may need for your Simcoe, Delhi, Port Dover or other such job in Norfolk County.

Front End Loader Rentals

Front end loaders are often considered to be the more versatile equipment in the heavy equipment sphere. They’re typically a four wheel unit (sometimes articulated in the mid section) and have a large bucket at the front. This front end bucket makes it a great piece of machinery to move large quantities of material from one area to another, or loading up a dump truck…

Dump Truck Rentals

One of the classics, dump trucks are a widely used vehicle that allows you to transport all the goodies that you’ve been piling up with your front end loader. The dump truck, almost regardless of axle count, is hinged at the back, and uses hydraulics to push up the front end of the box. This allows you to dump stone, gravel, soil, junk etc, on site.

The inventor of the dump truck is missing from the history books, but we’d love to nod our heads at him.

Backhoe Rentals is Simcoe, Ontario

Backhoes are pretty popular rental machinery in Simcoe and Norfolk County. Their bucket on the end of an articulated arm of a tractor/truck makes for a very convenient tool for digging in certain circumstances where a front loader could not quite commit. The backhoe can as well load up a dump truck for removal of materials. It would indeed seem that each operating piece of heavy equipment pairs very well with a dump truck. A package deal often occurs as a result.

When calling Morris Trucking and Excavating in Simcoe, Ontario, make sure you’ve done your research to know if you’ll also need a dump truck rental along with your backhoe or front loader.

Working with Morris Trucking & Excavating / Local Business Synergy

With a yard and home office in Simcoe, Ontario, Morris Trucking and Excavating is no stranger to the Norfolk County area. Having been a local resident his entire life, current owner/operator Jesse Morris enjoys helping the County with municipal projects, as well as local home builders such as Herrewynen Homes when they need a foundation dug, a home demolished, or a lot cleared, leveled, or brush removed.

Buying Big Equipment Versus Renting?

Not every home builder in smaller counties and communities are able to make the investment into having big equipment on hand for their needs. This makes a service that allows you to rent the big equipment such as excavators, backhoes and dump trucks. With rentals you are able to pay as you need, and therefore you’re not sunk capitally by needing such equipment now and then.

With Morris Excavating, you can rent heavy equipment when you need, including the operator. It’s simply the way to go in order to save money and get the job done FAST.

Side Note: How Cool are Dump Trucks

Keep in mind that for Simcoe, Ontario and Norfolk County, dump trucks are widely useful. There’s so much construction going on, that a dump truck rental service can be something that your construction business can take advantage of only using such a service as needed. Again, save money, rent, don’t waste capital.

With Morris Excavating

When you work with Morris Trucking and Excavating, you’re saving money and increasing your own productivity. You don’t have to buy equipment, you just rent it. You do not need to train operators, you just rent them.


Find Morris Excavating on their website:
Morris Excavating, or check out their listing on the
Renovation Directory

 

Burlington Driveway sealing company

Burlington & Oakville Driveway Sealing {New! 2017}

on May 28, 2017

The Kings of Concrete and Driveway Sealing Reign

Every home, every sub division, and every burrow of the Golden Horseshoe knows that a slick and smooth driveway is a spring and summer time MUST-DO. With all the ‘fly by night’ companies in the concrete industry, who should we attempt to get in touch with to seal our driveways in the Burlington/Oakville area?

Before We Rank Hot Driveway Sealing Companies…

A Few Facts About Concrete and Driveway Sealing:

  • Asphalt has been around for over 300 years
  • Stamped and pattern concrete driveways became popular in the 1980’s
  • The first company in the Oakville/Burlington area involved with pattern concrete was Canadian Concrete Sealing
  • There are many ‘secret recipes’ that driveway contractors use for their work
  • Concrete itself was invented in 1849, and has seen various tweaks over time.
  • Burlington and Oakville have one of the highest concentrations of stamped concrete driveways in Canada.

See the difference driveway sealing

2017 Burlington Oakville Driveway Sealing Company Rankings:

#1) Winner – Canadian Concrete Sealing

Canadian Concrete Sealing is one of the founding families on stamped and pattern concrete driveway sealing. Commencing work in the 1980’s they established dominance by being first to learn and execute on the advanced techniques involved in stamped concrete.

Growing outward and expanding into the Oakville and Burlington markets (from Hamilton area roots), Can-Seal continued to innovate and excel at sealing driveways and performing mini miracles with concrete.

Canadian Concrete Sealing can be reached at:

1-877-336-3314
www.Canadianconcretesealing.ca

Burlington Driveway sealing company

 

 

 

 

 

#2) Runner Up – Prestige Concrete Inc.

Nick at Prestige Concrete Inc has been in the concrete and driveway business for 25 years. His aptitude for detail and perfection have led to a tremendously successful venture in the northern Oakville and Vaughan areas. Prestige Concrete has done some fabulous work with more than just driveways, their work has blossomed into garden beds, walkways, patios and more.

Custom concrete work goes beyond driveways, and the care that goes into making sure all of the edges and seams are perfect is what Prestige Concrete in Richmond Hill, Ontario is all about.

Prestige Concrete Inc. can be contacted at:

416-347-5062
www.prestigeconcreteinc.com
very nice driveway Richmond Hill Oakville

Smooth Driveways are Coming, Oakville

When was the last time you paid any attention to the state of your driveway? Personally I rarely take notice. It’s a very utilitarian component of my home. It’s basically a formed rock that I use to park my car on. I know not everybody is like this, and things like the smoothness or the shine of a driveway can be something that irritates you if it is not perfect.

I’m not doing our driveway myself. Nope.

Have you tried sealing your driveway yourself? There are plenty of products that allow you the chance to take your concrete destiny into your own hands. I’m not a handy man, or a do-it yourself type of guy. This is why I opt for the professionals. They make a living sealing driveways and working with concrete. That’s the exact person I want to do the job for me. I know it will end up done right, or at least close to correct. A driveway done by a professional speaks volumes to me.

If I did it, it would take 10 times longer than a pro, and the quality of the concrete sealing work would likely be terrible – Capital T.

Need Concrete Sealing Supplies or Tools?

 

 

 

 

 

 

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Paul Nudelman custom engagement rings

Wedding Rings and Custom Jewellery

on March 19, 2017

1 – The Plan

The plan is to propose to my girlfriend. We’ve been together for a few years, and she deserves the finest in custom jewellery. More specifically a custom engagement ring, made exclusively for her. If there’s one thing I know, it’s that the proposal, and the ring, need to be just as unique as she is.

I’ve been browsing for a place to easily create a custom engagement ring, and have stumbled across a number of sites to help. What I’m looking for is a) easy to use b) options galore c) trust in the maker. Many of the custom jewellery designers out there are able to fulfill one or two of these prerequisites, but only one was able to satisfy all three, plus remind me of a fourth: Experience.

Why does experience matter? Easy, read on:

2 – Experience in Creating Custom Jewellery

Once you’re considering customizing something as big as the engagement ring you plan on giving to your significant other, you start looking at all the details. Experience is a factor that is hard to quantify with anything besides years. When we’re talking about several decades of experience in creating custom wedding jewellery such as engagement rings, you can be pretty sure that the individual can offer great insight and help.

One of the advantages of experience is: predicting and avoiding common pitfalls. With ring design, I’m sure there are many ways for the process to go wrong. Having a confident and experience designer helping you can ease the mind AND wallet. For the reason of experience, and my initial three criteria for my quest for a jewellery designer, I’m pleased to say that I found the individual, Harris Nudelman of Paul Nudelman Custom Jewellers in Montreal, Quebec.

3 – Meet Custom Jeweller Harris Nudelman

Harris Nudelman is the owner and operator of Montreal based Paul Nudelman Jewellers. I chose to work with Harris after a phone call in which he very patiently described the jewellery creation process to me. I had plenty of questions regarding each step, to which Harris confidently answered and reassured me.

Have you ever had a conversation with someone at a business, and they completely changed your outlook on an industry? Harris had this effect on me regarding the custom jewellery business.

My only lingering concern after the initial conversation was “how will the computer designed model of my engagement ring convert to reality?” Harris followed up on this concern by emailing me a couple pictures that showed the initial computer renderings followed by the actual physical outcome, the finished engagement ring from a prior couple. See here:

As you can sort of see from the model to real life conversion, it only gets better as the engagement ring enters the real worlds. Shock and awe.

4 – How Montreal Rocks and Custom Engagement Rings

Montreal, Quebec isn’t shy when it comes to being a major jewellery hub of Canada. In fact, it may be among the top 3 centers for finding crafty individuals and companies to create the custom engagement ring to satisfy your luxurious lovers. My future wife-to-be isn’t exactly gold-plated, but she certainly enjoys the finer things in life. I don’t want to go in to this custom ring creation with partial enthusiasm, which is why I’m happy to have found someone with as much class, dignity, and experience as Harris.

Though based in Montreal, he is able to provide sales and service for people across Canada. As a mostly digital service at it’s core, the custom ring design can take place in conversations separated by entire provinces. Geography is not a barrier for greatness.

5 – Diamond and Ring Education From Paul Nudelman Jewellers

For the lucky ones (like me) you’ll have the benefit of talking directly to Harris to gain a full understanding of how your custom engagement ring will be designed, crafted, and forged. For people who aren’t quite ready to make the phone call, Harris has excellent educational material on his website where you may be able to gain advanced knowledge on the subject.

Arming yourself with knowledge on a potential purchase is the best way to assure a happy transaction. Read through the educational page and you’ll see how Harris’ words on the page can make clear even the foggiest of diamonds :)

https://paulnudelman.com/pages/education

Custom diamond details

Custom diamond details

6 – How Paul Nudelman Differs from Other Jewellers

Throughout my search for a custom jeweler savant, it became perfectly clear that pricing and service are the top 2 concerns potential buyers have.

We as buyers don’t want to have to feel like we’ve paid too much, or are being duped. With Harris’ results and explanations, I never once got the feeling like anything was overpriced or marked up beyond realistic expectations. I understand the fellow has to make a couple bucks, but he’s doing it respectfully and responsibly. This makes me respect the process that much more.

Service is also a delicate flower in the eyes of the buyer. Too often you are met with the stereotypical jewellery store sales staff with a primary objective of moving product. Consumers can see through that a mile away these days. As buyers get more sophisticated, we must rely on sales teams who actually realize the power of this movement, and take advantage by just dropping the suit, tie, and phony accents and just talk straight. We’re all people, and we aren’t under any illusions anymore. It’s a great new world, and we’re all working together.

7 – Back to the History of Montreal Based PNJ

70 years of experience and history in the jewellery business have set a reputation and track record that very few in the business can match. Sure, there’s some big names out there that have survived. Rarely, though do you hear about multi generational business successes that transcend more than a half century.

This perpetuity of excellence is just a glimpse into the heart of Paul Nudelman Jewellers success and reasons for CONTINUED success. I am glad to have met and dealt with Harris. His efforts to expand and adapt to an ever changing jewellery marketplace are a good sign that individual business owners are always the bedrock of a solid nation, and economy.

History of Paul Nudelman Jewellers

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Safe and Secure Hosting Providers

on December 2, 2016

Secure Hosting Provider SSL

There are a number of hosting offers available on the web. But all of these come with varying prices. The reason for this is security. There are some providers who are using outdated servers. They are providing poor maintenance while others are not. Hence the pricing of secure hosting differs accordingly.

You Need Secure Hosting

It is extremely important for you to have secure hosting. After all, there is a lot of money that you invest into your website. Once it goes down you start losing your customers too. Your hosting package must be secure in order to ensure that viruses do not get into the system. Next, this can even lead to malware that can lead to using your emails for spamming and your site being used for displaying their ads.




This is why you need safe hosting in order to keep your data away from such frauds. In addition, you need to have your server up and running all the time, every day. This is the key to the success of your site.

Hence you have to identify which hosting companies are having highly secure servers. This means that just reading about great hosting plan descriptions is not enough. You have to know what stands behind them. Hence you need to ensure better security by purchasing web hosting only from the companies that are displaying precise security features. This will ensure the safety of your data and your customers will be happy.

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My choice in SSL Secure Hosting

Safe Data center

This is very important. Anything can happen; hence you need to be prepared for that. There are hurricanes, power shortages, tsunami, volcanoes and earthquakes. Hence your web host has to be ready for all those instances. You require secure facilities, along with diesel power generators, and such other protection measures. Do pay attention to the place where the datacenters of your web host are situated. Always try to give preference to those areas which are not exposed to such kind of natural disasters.

Focus On Secure Host Up-time

You have to focus on this if you wish sustain and grow your business. Uptime refers to the time when your website stays online. This means that clients are able to access it without any kind of problem. You will find most web hosts promising 100% uptime. But you need to check if this is indeed true. However, in case there are brief gaps then it is not that bad. This can work out for a start-up that does not have many website visitors presently. Hence you can search for web hosts that are able to provide you reimbursement for any downtime.

Ensure A Back-Up

Typically your web host can provide a backup of your data in case of emergency. These can be daily, weekly or even monthly backups. Do note that daily backups will be the best for your business. This will enable you to restore the latest version of your site if your server goes down.

There are some web hosts who offer manual backup too. This is even better as you can make use of it each time you update something on the websites.

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Web Hosting for Small Business

Small businesses need to take precautions just like any big business. Safety starts with a few key tips that can truly transform your level of web stress. Talking to the folks at Barricade.host, every business can benefit from having a secure virtual assistant to take care of not only a website, but it’s hosting and search rank as well. Barricade is an all in wonder.

Auto Insurance in Simcoe Ontario

on October 5, 2016

The Best Auto Insurance Quotes in Simcoe Ontario

There is an extensive network оf hіghlу trained Insurance Advіѕоrѕ bаѕеd іn Cо-ореrаtоrѕ оffісеѕ аll асrоѕѕ Canada, tо provide уоu wіth ассurаtе, lосаl іnfоrmаtіоn and аѕѕіѕtаnсе. Put уоur truѕt in аutо іnѕurаnсе ԛuоtеѕ іn Sіmсое from the local team – The name Cаnаdіаnѕ know fоr оutѕtаndіng ѕеrvісе and ԛuаlіtу сuѕtоmеr саrе.

Insurance Broker and Policies Simcoe Ontario

Tаlk tо an Inѕurаnсе Advіѕоr іn Sіmсое аnd you’ll еnjоу соurtеоuѕ аdvісе аnd assistance frоm experienced, hіghlу еduсаtеd Insurance Advisors whо can аnѕwеr your ԛuеѕtіоnѕ and hеlр уоu mаkе іntеllіgеnt, ѕtrаtеgіс choices. Tаlk tо Thе Cо-ореrаtоrѕ аbоut аutо insurance ԛuоtеѕ in Simcoe аnd оthеr rеlіаblе іnѕurаnсе and investment рrоduсtѕ tоdау.

Small Boy Preoccupied Playing Toy Cars

Small Boy Preoccupied Playing Toy Cars

Safe Drivers Sаvе uр to 25% More:

It’ѕ еѕѕеntіаl for drіvеrѕ tо hаvе car іnѕurаnсе іn Sіmсое (and everywhere, duh), but thаt auto insurance соvеrаgе hаѕ to bе the rіght fіt for you. Whіlе many іnѕurаnсе рrоvіdеrѕ рut thе emphasis on lоw рrісіng, wе knоw thаt you dеѕеrvе thаt аnd ѕо muсh mоrе. When you receive car insurance or auto insurance іn Simcoe, уоu should hаvе ассurаtе, detailed іnfоrmаtіоn аbоut coverage thаt ѕuіtѕ уоur nееdѕ, your lіfеѕtуlе аnd your budgеt. Thе Co-operators іѕ thе option you can count оn for extensive coverage аnd рrоtесtіоn that соmеѕ аt a reasonable рrісе.

Simcoe Insurance Quotes

Good drіvеrѕ in Simcoe are rewarded wіth еvеn greater savings, and оffеred innovative en-route Auto PrоgrаmTM. Thіѕ program works bу using a small wіrеlеѕѕ dеvісе  to trасk аnd trаnѕmіt dаtа аbоut уоur drіvіng hаbіtѕ оvеr tіmе; rеѕt аѕѕurеd іnѕtаllаtіоn оf thіѕ device is еаѕу and аll information соllесtеd wіll rеmаіn соnfіdеntіаl. Yоu саn earn ѕаvіngѕ of up to 25%* оff thе соѕt of уоur іnѕurаnсе bу braking аnd ассеlеrаtіng ѕаfеlу, avoiding lаtе-nіght trаvеl аnd mіnіmіzіng уоur trаvеl – аnd thеrе’ѕ even a guаrаntееd 5% dіѕсоunt just fоr еnrоllіng. Thеrе аrе nо соѕtѕ аѕѕосіаtеd wіth participating іn thіѕ рrоgrаm and уоur premiums wіll nоt be аffесtеd, whісh mеаnѕ уоu’vе gоt nоthіng tо lose — enroll for this, and any other policy in Simcoe Ontario tоdау!

Visit us: Auto insurance Quotes in Simcoe Ontario

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