Tag: Canada

RBC Visa Gift Cards – RBC Royal Bank #visa #gift #card #cards, #purchase #buy

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RBC Visa Gift Cards

Effective October 1, 2016, RBC Visa Gift Cards will no longer be available for purchase at RBC Royal Bank branches. If you have an RBC Visa Gift Card with funds remaining on the card, continue to use it until the balance reaches $0.Should there be funds remaining on your card after the expiry date found on the front of your card, please call 1-866-466-8079 to request a new card and to have the remaining balance carried forward. Remember to register your card at www.myrbccardbalance.com . Your card will need to be registered for most online purchases and must be registered in order for it to be replaced if it’s lost or stolen.

RBC Visa Prepaid Card – Important Information

If you have redeemed your RBC Rewards points for RBC Visa Prepaid Cards.

Please be advised that effective May 1, 2014. funds on certain RBC Visa Prepaid Cards no longer expire. If your RBC Visa Prepaid Card has an expiry date between May 2014 (05/14) and May 2015 (05/15) and was acquired by redeeming RBC Rewards points, any expiry fees are waived. If your card has expired, call 1-855-228-8885 to request that a new card be issued with the remaining balance carried over. For more information, refer to the agreement .

If you have an RBC Visa Prepaid Card beginning with the numbers 451017.

Effective May 1, 2014. the funds on RBC Visa Prepaid Cards starting with the numbers 451017 do not expire. If you have a card beginning with the numbers 451017 and has an expiry date of May 2014 (05/14) or later call 1-855-228-8885 to request a new card be issued with the remaining balance carried over at no additional charge. For more information, refer to the agreement .

If you have an RBC Visa Prepaid Card issued to you by the Red Cross from the flooding in Alberta last summer.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date, subject to the applicable fees as set out in your agreement. Effective September 15, 2014 a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Prepaid Card issued to you by Baya Health.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date, subject to the applicable fees as set out in your agreement .

If you have an RBC Visa Prepaid Card issued to you by Prairie Mines.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date due to the subject fees in your agreement. Effective July 1, 2014. a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Prepaid Card issued to you by Sherritt Coal/Westmoreland Coal.

Please be advised that due to new Federal regulations, the funds on your card will no longer expire. Your card will continue to have an expiry date, because merchants must have an expiry date to process your transactions. We recommend that you use all the funds on your card prior to the expiry date displayed on the front of the card. However, if you choose not to do so, you may order a replacement card after the expiry date due to the subject fees in your agreement. Effective October 15, 2014. a new fee of $1.95 per month will be charged after 12 consecutive months of inactivity. For more information, refer to your agreement .

If you have an RBC Visa Gift Card that was purchased in an RBC Royal Bank Branch.

Effective November 1, 2012. the funds loaded to RBC Visa Gift Cards do not expire. If you have a card that starts with the numbers 451016 and has an expiry date of November 2012 (11/12) or later, it is eligible to have funds carried forward to a new card after expiry. Call 1-866-466-8079 to find out how to have a new card issued with the remaining balance carried over at no additional charge. For more information, refer to the agreement .

RBC Visa Commercial Prepaid Cards





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TransferWise launches international money transfers via Facebook #australia,canada,united #kingdom,united #states,max #r. #levchin,peter #a #thiel,richard

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TransferWise launches international money transfers via Facebook

The Facebook logo is displayed on their website in an illustration photo taken in Bordeaux, France, February 1, 2017. Regis Duvignau

NEW YORK (Reuters) – Money transfer company TransferWise has launched a new service that allows users to send money internationally through Facebook Inc’s chat application, as competition in the digital payments landscape intensifies.

The London-based startup said on Tuesday that it had developed a Facebook Messenger “chatbot”, or an automated program that can help users communicate with businesses and carry out tasks such as online purchases.

TransferWise’s chatbot enables customers to send money to friends and family to and from the United States, Britain, Canada, Australia and Europe from Facebook Messenger. It can also be used to set up exchange rate alerts.

Facebook already allows its users to send money domestically in the United States via its Messenger app, but has not yet launched similar services internationally. TransferWise said its service will be the first to enable international money transfers entirely within Messenger.

Facebook opened up its Messenger app to developers to create chatbots in April in a bid to expand its reach in customer service and enterprise transactions.

Chatbots have become a hot topic in enterprise technology over the past year because recent advances in artificial intelligence have made them better at interacting. Businesses, including banks, are hoping that they can be used to improve and reduce the cost of their customer service operations.

One of Europe’s most well-known fintech companies, TransferWise was launched in 2011 by Estonian friends Taavet Hinrikus and Kristo Käärmann out of frustration with the high fees they were being charged by banks for international money transfers.

The company, which is valued at more than $1 billion, is backed by several high profile investors including Silicon Valley venture fund Andreessen Horowitz, Virgin Group founder Sir Richard Branson, and PayPal co-founders Max Levchin and Peter Thiel, through his fund Valar Ventures.

Customers in more than 50 countries send roughly $1 billion through its website every month.

While the TransferWise chatbot is now only available in Facebook Messenger it can be adapted to work with other popular chat services, Scott Miller, head of global partnerships for TransferWise said. He said the service would eventually be extended to work in other countries and money transfer routes that the company operates in.

The launch comes as competition in the mobile payments and international money transfer sectors intensifies. Earlier this month PayPal Holdings Inc announced its U.S. payments application Venmo would be available within popular chat service Slack.

While in January. Ant Financial Services, an affiliate of Chinese e-commerce company Alibaba Group Holding Ltd, said it would acquire U.S. money-transfer company MoneyGram, in a deal that is expected to shake up the international payments landscape.

Reporting by Anna Irrera; Editing by Sandra Maler





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PrefInfo – from Hymas Investment Management Inc #james #hymas, #james #i. #hymas, #hymas, #pfd,

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Disclaimer

Information on this website is provided by Hymas Investment Management as a public service. Only certain information regarding each issue is reported here and important information regarding the issues may be available in the prospectus for the issue and not reported here. Every effort has been made to ensure that the information on this site is accurate, but accuracy is not guaranteed. If you find an error, let me know and get a free copy of PrefLetter. Some information may have been simplified [see, for example, the discussion of Retraction ] for analytical convenience; users are urged to verify the summary information provided on this site with the prospectus prior to taking investment action. Nothing in this website should be taken as a recommendation for the purchase or sale of any securities; please consult your personal financial advisors. Hymas Investment Managment and/or its clients may from time to time have long or short positions in the securities discussed on this website.

Notes

Instruments listed with the row highlighted in red are no longer tracked by HIMIPref , but highlighting is not complete as of 2013-8-22.

For issues not listed here, visit PrefBlog. and use the Search function to find the ticker. It may have been mentioned!

Ticker

  • Short Name
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    Government grants and financing – Canada Business Network #designer #business #cards

    #business grants

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    Government grants and financing

    Government departments and agencies provide financing such as grants, contributions, subsidies, and loan guarantees. Find out what type of government financing may be available for your business. Use the search tool or browse by type of financing.

    Browse government financing by type

    Explore opportunities to receive public funds to help springboard your business venture.

    Examine these loans and other borrowing possibilities for your new or existing business.

    Having trouble securing a loan for your business? A government-backed loan guarantee could help you attract creditors.

    Looking for more return on your business expenditures? Browse potential tax benefits that could help reduce overhead.

    Are high wage expectations making you reluctant to put up that Help Wanted sign? A wage subsidy program can put the perfect employee within your reach.

    Searching for a long-term financial solution for your business? An equity investor may be willing to bank on your potential.

    Date modified: 2016-05-05

    Secondary menu





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    Web design Victoria #web #design #victoria,victoria, #victoria, #web #site, #web #page #design, #victoria #web

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    Web design Victoria, BC

    Live Sites is a full-service web design company with expertise in web site design. content management systems. search engine optimization, and everything web-related services .

    Best practices, conventions, user experience and trends are industry buzz words often casually used in place of creative web design. Blending these concepts together makes for a homogenized, monotonous and mundane web sites.

    Web Design Services

    Victoria’s premier web design services, that focuses on providing great user experience on every desktop and mobile device.

    New Web Designs

    All new web designs are mobile ready and responsive websites suitable for any device.

    Contact us today to discuss your web marketing objectives, needs and requirements. Our experienced and creative team will develop a solution to meet your requirements and exceed your expectations.

    Creative Web Solutions

    You are unique and established in your industry. Your site should reflect your distinct expertise and style. With over twelve years experince in web design and development, we will create or update your web site with gusto and modern flair.

    Impecable Execution

    We work closely with you to create the best possible solution for your marketing efforts, so your customers will want to visit your site and recommend it to others. We’re not satisfied unless you are ecstatic about your new web site.

    Prompt Service at Reasonable Rates

    Our web doctors do house calls, can you believe that? If this is not impressive enough, our rates are so reasonable you will insist in paying us more for our work. OK, we’re not cheap, but we are very reasonable considering the quality you get.





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    Rental Car Insurance Advice – RBC Insurance #rental #car #insurance #coverage, #renting #a #car,

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    Your insurance options when renting a car

    When you’re renting a car—whether it’s for business travel, a family vacation, or a weekend road trip—you don’t want to have to worry if you’re sufficiently protected in case of an accident. You just want to hit the road—and not have to spend too much time or money in the process.

    While adding insurance to your car rental can seem like an extra step that’s keeping you from getting behind the wheel, the insurance choice you make before you drive away can have a significant impact on any claims costs down the road.

    There are a few ways to get coverage on a rental car:

    1. Purchase a “rental car rider” through your insurance provider.

    By adding a “rental car rider” to your current policy, you may be able to transfer your car insurance coverage and claims services from your own vehicle to the rental car—often at a very reasonable price. When you insure a rental car this way, you may better understand what you’re covered for, and what type of service to expect.

    Just keep in mind that when your “rental car rider” is being used, your car at home may not be insured and should stay parked.

    2. Purchase coverage through the rental car agency.

    Purchasing coverage through the rental car agency is convenient, but it may be expensive and could offer limited coverage with many restrictions. For example, it may not include protection from lawsuits, and claims service standards are typically basic. So if you choose this option, be sure you thoroughly understand the details of your coverage.

    3. Use the coverage on your credit card.

    You can also consider your credit card, as many credit cards provide some form of rental car insurance as long as you use the card to rent the car.

    Again, you’ll want to know exactly what that insurance covers as it may have limitations and exclusions. It’s a good idea to call your credit card company and ask for the specific insurance details.

    Whatever choice you make, it’s important to know exactly what your insurance covers, and understand all of your options—because nothing can ruin your day more than having to spend your own time and money on an unexpected event like a car accident.





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    Buy a business or start your own? Canada Business Network #new #business #idea

    #own your own business ideas

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    Buy a business or start your own?

    Starting a business from scratch can be overwhelming for first-time entrepreneurs. If you have a great business idea and are ready to work hard to build it from the ground up, then you may wish to start your own business. But if you want to hit the ground running and avoid some of the common start-up pitfalls, then buying an existing business or a successful franchise may be a better option for you.

    Starting your own business

    • Complete freedom to design and manage the business according to your vision.
    • Not bound by anyone else s rules, history or assets.
    • Opportunity to carve out a new niche in the market.
    • Can be less expensive than buying a successful business.
    • Can take time to become profitable.
    • There is no guarantee of business success and a high rate of failure for new businesses.
    • Can be more difficult to get financing because lenders or investors are taking a risk with your idea.

    Buying an existing business or franchise

    • Benefit from the work that has already been done on building a brand, developing customer relationships, developing business processes and acquiring assets.
    • Can start bringing in profits more quickly.
    • Can be easier to get financing because the business model is proven.
    • The upfront investment is often higher than if you were starting your own business.
    • The previous owner and/or franchisor s business model and way of doing business may not be a perfect match with what you envision.

    Learn more

    If you are considering buying a business, these documents will tell you what to watch out for and help guide you through the process.

    When you’re setting up your business, you need to ensure that all of your bases are covered. Consider the following steps as you navigate through the business start-up phase.

    Find out what you need to know before buying a business: where to look, how to evaluate potential acquisitions, and what a fair price would be.

    Learn more about buying a franchise as an option for starting a business.

    Find out how to write a business plan and access templates, sample business plans, market research information and statistics.

    Was this information useful?





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    Business Administration – Entrepreneurship and Small Business – Seneca – Toronto, Canada #find #business

    #small business admin

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    Business Administration – Entrepreneurship and Small Business

    Program Description

    The Business Administration – Entrepreneurship and Small Business program adds entrepreneurial and small business know-how to a powerful foundation of business knowledge and skills. The skills learned in this program are essential to business owners and established businesses and organizations.

    360° Virtual Tours

    You will spend the first four semesters building a practical grounding in contemporary management theory. In the final two semesters, you will develop the skills required for the planning, start–up, management and expansion of successful small businesses. But it’s not all classroom learning as you will be exposed to stories of challenges faced by prominent business owners. Instructors will guide you and your colleagues through the process of identifying innovative and promising venture ideas for your own business plan.

    At our “Shark’s Pond” event, you’ll present and defend these ideas, sink or swim, to industry leaders. Your learning experience is rounded out through seminars, case analysis and online business simulations.

    After completing the program, you will have the tools to develop and present a finished business plan to Futurpreneur Canada (futurpreneur.ca ) and be considered for a $15,000 loan. You’ll also benefit from Seneca’s many partnerships with outside organizations, such as receiving free membership into the Association of Chinese Canadian Entrepreneurs (ACCE.ca ).

    Start Up Canada

    Startup Canada recognized Seneca as the most entrepreneurial college in Ontario, demonstrating the largest commitment and impact in advancing entrepreneurship. Seneca was the only college recognized in Canada.

    Admission Requirements

    • Ontario Secondary School Diploma (OSSD) or equivalent with:
      • Grade 12 English: ENG4(C) or ENG4(U)
      • Grade 12 Mathematics: (C) or (U) or Grade 11 Mathematics: (U) or (M)
    • OR Mature Student Status (age 19 or older) with the above prerequisite course(s), their equivalent(s), or appropriate Academic and Career Entrance (ACE) Certificate program credits (see Academic Upgrading ).

    Fees

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    Tuition for 2 semesters*
    International student tuition 2 semesters*

    Tuition for 2 semesters:

    Tuition for international student for 2 semesters:

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    Please note: All costs are approximate, may vary by campus and are subject to change at any time without notice. Parking, locker and some mandatory incidental fees are among the charges not included in the figures above.

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    Your Career

    Canada boasts close to 2.5 million entrepreneurs who, as small business owners, combine to contribute over 30% of its GDP. Entrepreneurs drive job creation, productivity and economic growth. With statistics like these, it’s clear that small ventures can add up to big business. Graduate from this program and you will have acquired the skills necessary to research, develop and manage a small business, grow an existing business or virtually anything else related to successful entrepreneurship.

    Professional Certification

    Certificate in Management and Administration (C.I.M.):

    In 2009, Seneca became the first institution in Canada to have full–time programs accredited by the Canadian Institute of Management (CIM).

    Upon graduation from the Business Administration – Entrepreneurship and Small Business program you will have met all the requirements for the Certified in Management (C.I.M.) designation once you have completed two years of managerial work experience and made appropriate application to the Canadian Institute of Management.

    Canadian Professional Sales Association (CPSA):

    Graduates will have completed all educational requirements and can submit an application to the Canadian Professional Sales Association to receive a Professional Sales Certificate (PSC). Graduates will have also met all the educational requirements for the CPSA’s professional designation Certified Sales Professional (CSP).

    Transfer Credit/Pathways

    The Degree and Credit Transfer Office provides a number of services for students continuing their education at Seneca, and for graduating students considering degree transfer options.

    Through transfer agreements and institution partnerships, graduates of this Seneca College program may be eligible for credit at various post-secondary institutions. Please refer to the Degree Transfer Guide for more information.

    Transfer Credit may be granted for courses deemed equivalent to courses at Seneca that have been completed at recognized postsecondary institutions. Additional information is available online .

    Important Academic Dates

    Please take a few moments to view Important Academic Dates for your relevant term.

    Courses

    Please select the curriculum from the Academic Year in which you started (or will be starting) your studies. An Academic Year begins in September and ends in August of the following year.

    2016/2017 Academic Year





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    Promoting and advertising your business – Canada Business Network #business #computers

    #advertise your business

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    Promoting and advertising your business

    Promoting your business is an ongoing activity that involves everything from word of mouth, to trade shows, to paid advertisements in the media. Once you have developed your marketing plan and are ready to choose your promotional techniques, the resources below may be helpful.

    General resources

    Choose the type of advertising that matches your marketing budget and follow some of BDC ‘s best practices for advertising.

    Build your road map for finding and keeping customers with this free marketing plan template.

    Learn how to measure the results of your advertising so you know which styles, methods and media to use.

    Learn how to create a website so you can attract more customers to your business.

    Online marketing techniques like social networking, emailing and blogging are useful and involve little to no direct costs.

    This free guide can help you develop a social media strategy for your business to attract, engage, and retain customers.

    Increase your visibility among domestic and foreign buyers by registering on this free promotional database of over 50,000 Canadian companies.

    Become a certified Aboriginal or minority-owned supplier or register to access these suppliers and benefit from inclusive supply chain practices.

    Handing out promotional material is an important marketing activity, even in an online world.

    Applies only to: Ontario

    Find out how you can set up a business improvement area and the possible benefits for your business.

    Learn how to spread the word about your business.

    Participating in trade shows can be worthwhile if you choose the right ones, prepare well, and follow up.

    Discover the advantages of marketing your business with email.

    Find out what signs mean for your business, and how to use them to your advantage.

    Find out about business solutions that could help your small business manage shipping, e-commerce, marketing and more.

    Industry-specific resources

    Applies only to: New Brunswick Newfoundland and Labrador Nova Scotia Prince Edward Island

    Learn how to attract customers to your tourism business through Internet and social media marketing.

    Register your business as a potential supplier of goods and services for the shipbuilding industry.

    Applies only to: New Brunswick Nova Scotia Prince Edward Island Newfoundland and Labrador

    Find out how to become a supplier to the shipbuilding industry in the Atlantic provinces. This also includes building and repairing ships.

    Applies only to: Newfoundland and Labrador

    Promote your high-quality, distinctive Newfoundland and Labrador craft, gift and apparel products through this provincial branding program.

    Applies only to: Newfoundland and Labrador

    Are you looking to develop wholesale markets for your business’ craft, gift and apparel products? This program could help your venture’s sales growth.

    Applies only to: Nova Scotia

    Learn how to identify tourism opportunities in your region and how to develop and market your new business.

    If your Canadian tourism business provides a unique experience for travellers, you could get a chance to market your product for free to key countries.

    Applies only to: Ontario

    Find out how to market your product or service under the Ontario brand and how to reach key tourism markets.

    Applies only to: Ontario

    You may be eligible for funding to help you cover some the costs of commercializing your interactive digital media content.

    Applies only to: Ontario

    You could get financing to help your business consortium market an Ontario tourist destination to tourists outside Ontario or Canada.

    Applies only to: New Brunswick Nova Scotia Prince Edward Island Newfoundland and Labrador

    Obtain up to $8,000 in financial assistance for the translation of your promotional materials, if your business is located in Atlantic Canada.

    Date modified: 2016-08-30

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    Canada Student Loans Program – Service Canada #personalized #business #cards

    #government loans

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    Canada Student Loans Program

    The Canada Student Loans Program provides financial assistance in the form of loans and grants to post-secondary students who demonstrate financial need.

    Delivered by: Employment and Social Development Canada (ESDC )

    Application Information

    • Students must first apply for a provincial or territorial student loan. Students are automatically considered for a Canada Student Loan when they apply for a provincial or territorial student loan.
    • Loan application forms are available from provincial and territorial student assistance offices and at financial aid offices in educational institutions.
    • Students must apply every year in order to receive funding.

    Related Information

    • Students must give loan providers proof of enrolment within six months of finishing their last study period in order to maintain interest-free status while studying. Confirmation of Enrolment forms are issued by educational institutions.
    • The governments of the Northwest Territories. Nunavut and Quebec do not participate in the Canada Student Loans Program but offer their own financial assistance programs for students.
    • Additional information is available from the National Student Loans Service Centre .
    • The Canada Revenue Agency is responsible for the collection of repayments for defaulted Canada Student Loans .

    Date modified: 2016-06-09

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