Professional Referrals

professionalreferrals – Blogs on financial planning and financial advising

Author: Nora Cole

Address Verification API – Free VS Professional

Most people don’t know much about a postal address verification tool. They just assume that it’s a tool used by the Post Office to detect addresses that are either incorrect or out of date. In reality, a postal is simply a software tool that is designed and managed by the Post Office. Using a Third-Party Postal Address Verification Tool: They simply follow the standard postal address verification rules and get the Postal Service authorization to access official federal databases, which include NCOALink. So you don’t have to worry about meeting USPS standards when utilizing third-party postal address verification tools.

What is an Address Verification Tool?

The most common type of address verification tool is the one that matches an email address to a name. This is called a “full name” search. The benefits of this approach are that it is fast and it works with both email and non-email addresses. But there are some drawbacks as well. Name searches sometimes fail for names that are already in the database, and if a name that is new is entered during the search, the result may not be accurate.

There is another address verification tool that is less common, but can often provide much better data quality than a regular name search would. The most commonly used form is the “ZIP code” data quality check. With this kind of address verification tool, a company enters a zip code and then it looks up all the addresses in that zip code. It’s not uncommon to see multiple addresses for a given zip code, which can make sorting through the data a little bit challenging.

Another common address verification tool is the one that validates postal addresses according to a standardized according to the United States Postal Service (USPS). The advantage of this kind of service is that the service has been standardized according to a particular format, so it will be easy to find documents that are identical in the database. On the other hand, the disadvantage is that the service does not have a database for records that have been transferred since USPS began keeping records in standardized according to them.

The question here is whether the end user should be able to use an address verification software program to validate addresses based on a pre-set set of standard formatting. The answer is a resounding yes! An address verification system is a great way to make the whole data collection process a lot easier. Once companies are able to validate addresses based on a pre-determined set of standards, they can make it a lot easier to gather address data from clients and consumers. It will also make collecting data from end users and managing the data a lot more efficient and effective.

An additional benefit to using a standardize format is to make addresses a lot easier to match with their corresponding government and other financial records. For example, if you need to verify various utility bills, you would want to verify the addresses and locality that correspond with the bill types. However, not many people are familiar with the types of bills like water, electricity and gas. By using a standard format, it will be much easier to match the information with the proper data type, as opposed to trying to remember the format in case a matching government record comes available.


With all of the benefits and flexibility of an address verification system, the question remains whether there are any advantages to using a free address capture service instead of using a professional certified crm solution. One of the main reasons is that the free versions often do not have all of the features of the more expensive solutions. Many businesses only utilize a free version to validate addresses when they first begin, then decide to upgrade to a paid solution. While some small businesses have been able to gain a significant amount of benefit from using a free version, it is important to consider whether the free versions would still be useful for a large business or larger, more complex company.

The additional cost of a professional address verification API is only meant to increase functionality and efficiency. The addresses you enter into the system will now be matched against a variety of government and commercial databases. This means that more accurate and up-to-date data will become available to you. When combined with advanced features of your own software solution, the API will provide a seamless way to validate addresses and view utility bills in a fraction of the time. Not only that, but it will also provide a means for you to build your own customized profile for customers and other employees. Having access to detailed personal profiles for your customer base allows you to better serve each customer individually, as well as provide better customer support.

Looking For An Employment Lawyer in Toronto?

Employment lawyer in Toronto can be very helpful for a variety of issues and concerns with work that one may have. As an employment lawyer in Toronto, one will fight for your rights as an employee in all situations. There are so many employment issues and concerns that can arise and they can range from discrimination issues to harassment issues. Employment lawyers that work in Toronto will not only defend you legally but also give you advice on how to proceed or make any kind of changes to your working environment as a way to resolve any employment issues or concerns you have.

employment lawyer in Toronto

As an employment lawyer in Toronto, one can represent clients who have been victims of employment law harassment. Hiring managers and employers can use this as a basis to dismiss you unfairly and this can be a devastating thing for anyone. As an employment lawyer in Toronto, one will fight for your rights to be treated fairly at all times no matter what the circumstances. As a Toronto Employment Lawyer you will also be able to help out other employees with wrongful dismissal concerns as well.

In today’s business world, many employers are now resorting to extreme measures when dealing with their employees including bullying and workplace harassment. As an employment lawyer in Toronto, you will have the expertise to protect yourself and your clients from these harmful policies. You will know what steps to take as an employer and as an employee to deal with any issues or concerns you may have. This includes understanding the Canada Revenue Agency as well as what the regulations regarding employment law in Canada are.

Many employers will try to get their employees to accept severance packages in exchange for promises to never file a claim for wrongful dismissal or other claims. However, it is important to note that severance packages are usually only offered to those employees who agree to sign severance papers. If you feel you were unfairly dismissed, you must consult an employment lawyer in Toronto to determine if the offer you are being given is sufficient to ensure your legal rights.

Other employers will not offer these severance benefits in exchange for full disclosure of the potential damages caused by wrongful dismissal. In this situation, you as an employment lawyer in Toronto will need to negotiate for your benefits in your employment contract. It is always wise to ensure that the benefits are reasonable and competitive with other companies in your line of work. Also, you should ensure that the benefits are not designed to discourage people from filing human rights complaints.

employment lawyer in Toronto

The first step in getting severance pay is having an employment lawyer in Toronto represent you. Once you have decided to pursue this for employment reasons, the lawyer can go through the entire contract of the company offering you severance and negotiate for you. In many cases, the employer will want to pay out as much as possible for your services and in some cases, offer you this as part of a negotiated severance package. A good employment lawyer in Toronto can help you secure the best severance package you can get for your situation.

When you meet with an employment lawyer in Toronto, you will be able to discuss the entire range of issues surrounding employment law in Toronto. This includes reviewing the employment contract of the company you are working for as well as the employer’s human resources policies and practices. You can also discuss the details of how you were wronged and what you can do to rectify them. In many cases, the employer will be willing to negotiate severance pay with you. This is where your employment lawyer in Toronto can really help you.

Employment lawyers in Toronto are there for employees, employers and even interns. They have the expertise to handle cases regarding harassment, maternity and employment discrimination as well as resolving conflicts between employees and employers. In fact, most human rights law firms also have employment lawyers that handle cases with their clients. They understand the importance of ensuring that all employees in Canada enjoy proper protection against unfair treatment and ensure that everyone has the right to privacy at work.

Hiring a Professional SEO Company in Toronto

Hiring a Professional SEO Company in Toronto

Hiring an SEO firm in Toronto can be a great choice for your company, as this type of company offers a wide range of services that can improve the online presence of your website. With their help, you can easily rank top on major search engines such as Google, MSN and Yahoo, as well as achieve organic growth and build brand recognition. If you have already started looking for Toronto SEO firms, follow these tips to ensure that you get the best in the business.

seo company in Toronto, ontario

Hire Toronto SEO companies that are members of the Canadian Internet Service Provider (CISP) – International Algorithm Standard (IAS). This will ensure that your website will be provided with more targeted traffic, helping it perform better than competitors. Toronto SEO experts typically consist of a small team of professionals who develop keyword-rich content specific to your industry. By implementing white hat search engine optimization techniques, give your company a unique online identity. Toronto SEO agency offers full disclosure with monthly statistics and competitor analysis.

Once you hire an SEO company in Toronto, Ontario, it is important that you engage the right consultants for the project. For instance, you need to hire Toronto SEO experts who can optimize your company’s web page according to local specifications and regulations. Moreover, it is important to choose an experienced firm that can generate leads and generate business leads from your current customers. In order to attract new potential customers, you must use innovative web strategies such as social media marketing and online classified advertising. Toronto SEO firms also provide link-building services and website creation.

A good SEO firm should be able to increase organic traffic to your website, which is referred to as “traffic equalization”. There are many techniques used by SEO experts to achieve this objective. Keyword research, link building and keyword optimization are some of the many services offered by an SEO company in Toronto. These firms help you achieve targeted website traffic, which is what your target audience is looking for.

seo company in Toronto, ontario

When you hire an SEO in Toronto firm, it ensures that you get the best value for your money. The SEO team provides a personalized strategy plan which will be tailored to meet your goals and objectives. It is important to note that when selecting a Toronto SEO agency, you have to ensure that they are offering services that are consistent with the strategies adopted for organic traffic generation. The firm should implement a wide variety of optimization strategies for competitive advantage.

This will ensure that you reach your targeted audience with effective marketing solutions. Toronto SEO firms are highly skilled at conducting keyword research and delivering high-quality search engine optimization results. They know the secrets of reaching the top of the major search engines. Their unique approach to online marketing helps you gain visibility for your business in major search engines such as Google, Yahoo, and Bing. A professional SEO in Toronto company in Toronto is a smart choice for your website content and successful online marketing campaign.

All About Merchant Cash Advance And Cause Of Their Ever-increasing Popularity

A merchant cash advance, otherwise called a business loan is a kind of minimal period, unbound business capital. They are a characteristic option in contrast to the conventional business advance and are a relative amateur category to the business finance world, having existed for a couple of years. 

These are the conceivably perfect answer for entrepreneurs who take a sensible extent of their pay through cash or by traditional method.

merchant cash advance canada

The basic working procedure of merchant cash advance

Although they are utilized for a similar reason, business cash advances work in a somewhat extraordinary approach to standard business credits. At the point when you take a trader loan, you are viably selling your future card deals at a rebate to get to the cash sooner. 

Reimbursements are then taken day by day, by reimbursing the extent of your everyday card deals straightforwardly to the lender consequently, through your card takings. 

Reimbursements are in this manner connected to your future card receipts, which means if your card takings are low, the sum reimbursed that day will be lower. On your more grounded days, you will reimburse more. This implies, not at all like business advances, there is no set reimbursement term for a vendor loan. Merchant advance cash Canada has been very popular in this sector.

merchant cash advance canada


  • Your reimbursements dealt with for you by the moneylender. They deduct a specified level of your takings, and you get the net figure, implying that when the cash lands in your bank, there are no more installments to make. 
  • You take care of low repayments during calm periods, which means it’s constantly moderate. During your good weeks or months, your installments lessen. When acquiring through a business loan, your reimbursements continue as before every month, which means it could get excessively expensive. 
  • As your business develops, so can your office. Where a getting need remains, you can adequately develop your office by your business development. 
  • Merchant loans can be organized rapidly, which is perfect when you need assets to support a quick and startling occasion. Financing can frequently be organized in as little time as 24 hours. 
  • You realize precisely the amount you need to reimburse, which means the expense of acquiring is obvious from the beginning.
merchant cash advance canada


  • If just a little extent of your takings are taken through your card terminal, you might be not able to secure the degree of financing you need, regardless of whether it is reasonable. 
  • It is solely on the card terminal supplier you use, you might be limited in your selection of moneylenders. This could bring about you taking out more costly subsidizing than is extremely vital. 
  • Important focus to consider before taking out a business loan 
  • Before taking out any type of fund, it’s significant that you consider each likelihood to guarantee you’re settling on the correct choice. 

At last, the question remains ‘is merchant cash advances are the best option?’ The term offered is minimal for conventional business loans. If you are susceptible to the repayments in a shorter period, then you can convert it to longer periods easily which is much preferable.

What Happens at the Cancellation of a North York Condo Project?

It was bad news for the buyers of UrbanCorp’s Kingsclub condos as the developer turn about on their building plans. North York condo rentals will replace these condos for sale in North York in King West. It was a move that staggered 181 buyers. Long back in 2011, many bought these pre-construction condos of King West and have been waiting eagerly that the project stalled out. The plot was just entering the early stages of foundation work. Purchasers were expecting an update from the builder about delays but found the project been cancelled.

condos for sale in north york

What may be the reason for cancellation? Seemingly, the builder did not get funds for the original project but there is no formal declaration on UrbanCorp’s website. Just like the silent cancelling of The Selby at Bloor and Sherbourne a few days before Christmas, builders of condos for sale in North York are trying to step down from projects quietly with fewer media and legal fuss. But the Selby was running in its first month of sales and there could not be many units sold out. So the effect of that declaration was less on consumers. The UrbanCorp case is much different because they were almost sitting on purchaser’s down-payments for a long time and tying their hands from buying anything else. It was not done on purpose of course but the damage to the purchasers is real.

condos for sale in north york

Repaying won’t be enough to conciliate most buyers

Buyers will get their funds back with interest but that interest would be almost minimal. The contracts of the developers refer to the Bank of Canada’s overnight rate as their highest need. Thanks to the latest announcement of BOC for breaking down the rate to 0.75 percent. Hence, the translation of a 20000 dollars investment for three years back is just 20,453 dollars. No one knows about the higher interest rate given in UrbanCorp’s contracts. But in terms of potential earnings, chances are that the interest does not come close to the real losses of buyers.

Think on how much these investments had grown if the buyers would have purchased condos for sale in North York back in 2011. And besides the lost value acknowledgement, purchasers are now experiencing a much more uncooperative North York condo market than they were 3 years back. Hence, the purchasers have to pay more now to buy a similar unit in the other building then had the project not been taken back or had they moved to buy re-sale instead at the time.

condos for sale in north york

Your legal ground is trembling at best

This unfortunate event underlines the problem involved in purchasing on spec and why pre-construction is not a good investment always. If you are an unlucky purchaser of the Kingsclub condos or have bought a different pre-construction North York condo for sale and are worried that this can happen to you as well. What are the legal consequences? The lawyer Mark Youngman says about the matter that the builder is under no commitment to repay buyers beyond the amount mentioned in the purchase agreement that surely includes a section about potential project cancellation if sales are less, offering it adheres to Ontario condominium law. Even though the interest rate given on the contracts is less than that stated in Ontario condo law, then the purchasers need to fight for that additional amount.

Why Investment In Gold Is Beneficial?

To know if gold is a good investment, it is important to understand why people decide to buy it. In times of uncertainty and economic instability, the purchase of gold makes more Sense than the purchase of other resources. Trusting that the banking system and the world economy will continue with the current historical collapse, investment gold could be the best way to secure part of their portfolio of securities. Currently the demand for the famous gold metal is extremely high. Possession of gold can be one of the best ways to preserve your assets and even make a profiting these uncertain times. We all have the same doubt that has remained presenting our society for centuries: how can I guarantee the protection of my savings? And more and more people continue to choose for the oldest answer: buy gold canada

buy gold canada

10 reasons to invest in gold

1. It is the element of value that humanity has naturally adopted for more than 5,000 years.

2. Investing in gold is exempt from paying VAT provided that it is physical gold, i.e. bullion and coins.

3. It is not devalued by any government.

4. Physical gold has been the best vehicle to preserve value and maintain wealth over time.

5. In situations of instability and uncertainty, gold is a good refuge for our heritage.

buy gold canada

6. If purchased in times of top prize, it can cover bad times. In times of economic recession the difference can be made by the gold that we have accumulated in the good times.

7. It can be converted back to money anywhere in the world in any currency. It has immediate liquidity and we will always have a buyer, it does not depend on the markets.

8. It can serve as a complement to the pension plan or an alternative to it.

9. You can start investing in gold from less than 50 Euros in 1 gram weight bullion.

10. As a gift, it is original, elegant and different.

Other reasons to Buy Gold Canada

•  Gold is perfect for long-term investments

•  Controls stability of the precious metal

•  Rising demand

•  Safe value

buy gold canada

How to invest in gold?

To know how to buy Gold in Canada, certain factors must be taken into account in addition to the money.  They will invest, how is the price of gold, the projections of the value of gold and whether or not to bet on gold. Although when its price is rising in the year and the projections give next increases surely it is convenient to buy. As with any investment, you have to be aware of the fluctuations of the market and the economy before and during the investment.

To invest you have to search from a bank that offers this option or a portal that allows you to buy and invest in gold. Luckily there are several options to invest in gold, although like buying coins minted by governments or buying bars or sheets. As well as buying pure gold in coins with denomination of small amount.

What Are The Advantages Of The Various Door And Fiberglass Doors

Door fiberglass was introduced in the 90s and attracted much attention to its low maintenance function, good looks, efficient energy and weather resistance. Today, some home builders and carpenters believe that these fiberglass doors are better than traditional wooden doors. In addition, these doors have fewer scratches and dents than wooden doors. The installation of these doors is especially advantageous if you are looking for a durable and low maintenance door.         

fiberglass doors

However, there are always high-quality products and low-quality products on the market. In the case of fiberglass, choose a superior quality and its poor quality that loses its shine because it is very important and is easily damaged. Installing one of these is a considerable investment and needs to be thoroughly analyzed to save you from low quality issues.        

Main uses Gate fiberglass:

As the main entrance:

Currently, fiberglass doors are widely used for various purposes. They are most often used as main entrances, especially in areas where extreme weather conditions are observed. They are used in these areas because they are weatherproof and, unlike wooden doors, do not deform or expand due to moisture or heat. A common practice is to paint while using these doors as entrance doors to prevent rusting and deformation. However, this is not necessary because these doors are already polished to minimize the appearance of patches such as water.      

fiberglass doors

As an internal door:

Fiberglass doors doors are also widely used in interiors such as room doors. The main advantage of using indoors is the appearance and the charm to add. In addition, glass fiber doors are scratch resistant and are ideal for indoor use, especially when children are at home. However, good quality fiberglass doors are usually more expensive than wooden doors and cannot be used indoors.         

Use as patio door:

Another common use is to install it as a patio door. However, you will always want to have a strong, weatherproof and elegant patio door that gives your home the ideal look you want. The glass fiber of the door is smooth for use with the slide down. It is less susceptible to damage and scratches than a sliding patio door and has a longer life.      

fiberglass doors

Simply put, fiberglass doors are more intelligent and durable, both exterior and interior. They sometimes prevent the swaying of cleaning the doors, and for weatherproof quality, they can stay there for over 10 years. In addition, unlike wooden doors that begin to deform when painted frequently, they can be painted many times to match the decor. Another fact worth mentioning is that fiberglass green is the ideal choice for doors to use because door fiber glass is for those who want to be environmentally friendly.               

Learn more and add great ideas about home renovation products such as the best entrance doors and a variety of custom entry doors that can be used for any shape and size house.  

What the HST means to you

What the HST means to you

From children’s sports activities and home renos to simply driving around, life is about to get more expensive in Ontario.


On July 1, the Ontario government will introduce the new Harmonized Sales Tax (HST). This means that certain purchases that were only subject to the 5% Goods and Services Tax (GST) before this date, will soon be subject to the 13% HST instead.

While the effect will be minor on certain items, it can make a huge difference on bigger ticket items and you should prepare yourself and take advantage of the window of opportunity that exists before July 1.

You can visit the website of the Ontario Ministry of Revenue for a detailed list of the products and services that will be subject to or exempt from the HST at

The following are the major changes that you will experience as a consumer and some financial planning tips for dealing with the upcoming changes and minimizing their impact.

Food and Beverages

Food and beverages are a major expenditure for most families. The good news is that no HST will be charged on basic groceries. Qualifying prepared food and beverages sold for $4 or less will also be only subject to the GST.

The bad news is that alcohol beverages – currently subject to a 10-12% Retail Sales Tax rather than the 8% Provincial Sales Tax – will not go down in price despite being subject to the HST after July 1. This is because the Liquor Control Board of Ontario (LCBO)’s policy of “social responsibility” dissuades a price reduction to keep alcohol abuse and drinkdriving in check.

Home Services

The services in this category that will be subject to HST include electricity and heating, Internet access services, home service calls by electricians, plumbers, carpenters, as well as landscaping, lawn-care and private snow removal services.

While you cannot do much about your ongoing electricity and heating bills, you’d better fix your leaky faucet, repair your furnace or electrical wiring and put your lawn maintenance and snow removal contracts in place before July 1 to save the additional 8% you would need to pay on these services.

RRIFs vs Annuities?

RRIFs vs Annuities?

Selecting between a RRIF or an annuity could be your most important retirement decision.

RRIFs are now favoured over annuities by most retirees contemplating their RRSP maturity options. In making the decision between a RRIF and an annuity, the following factors should be considered:

Guaranteed Payments

This is perhaps the biggest advantage of an annuity. With an annuity product the holder is guaranteed a regular, fixed payment for life. For those with limited funds the guarantee feature of annuities can be very important.

Future Inflation

Considering the affects of future inflation, the guarantee advantage of annuities becomes somewhat diminished. The increase in the costs of living could erode the worth of the annuity payments. RRIFs may provide better protection due to their function as an investment vehicle, in which the holdings may continue to grow through the return of income, interest and capital gains. Thus the holder of an annuity pays for the guarantee feature by having to accept a lower return than they might have with a different investment.


RRIFs offer flexibility through a range of investment options. The holder of a RRIF retains control over his investments and may select among shares listed on Canadian exchanges, bonds and mutual funds, Canadian mortgages, Treasury bills, CSBs, and so on. This is particularly attractive to those retirees who want to remain active in the investment decisions of their estate assets.


RRIFs offer withdrawal flexibility. There is a set minimum amount that must be withdrawn from a RRIF every month; otherwise any amount may be withdrawn, affording the individual flexibility in meeting unexpected demands on finances or other emergencies. While some annuities may be collapsible, there may be economic penalties built into annuities with this option.

Tax Considerations

Interest, income and capital gains accumulate in a RRIF investment on a tax-deferred basis, similar to the investments in an RRSP. Assets in RRIF will continue to grow as long as the individual wishes, allowing an individual to maximize the value of the fund by postponing withdrawals to a future time.


There are pros and cons to both RRIFs and annuities and the choice between the two must be made based on an individual’s personal situation. The following are some general guidelines on which maturity option may be best:

  • If an individual has considerable financial resources available and does not need the protection feature of a life annuity, he or she should seriously consider a RRIF.
  • If an individual foresees the need for emergency funds during retirement, he or she probably should choose a RRIF that allows for flexible withdrawals. A compromise might be to purchase both types of plans. Whatever may be required for emergency purposes could be placed in a RRIF and the remainder invested in an annuity.
  • For those who wish to retain control of their investments, the RRIF is the answer. Consider that whereas sound management will increase the size of the retirement benefit, a downturn in the economy or an unwise investment decision will have the opposite effect.

On the other hand, an individual may welcome the freedom from the worries of managing their own investments, in which case the guarantees of an annuity will seem more attractive.

Perfect Time to revisit Registered Education Savings Plans

Now that the kids are back to school, it’s a great time to talk about the recent changes to Registered Education Savings Plans (RESPs). Changes to RESPs at both the federal and the provincial level, make RESPs a more attractive option than ever for saving towards your children’s education. This summer, the government passed the following changes:

1. More free money. Previously, contributors would get the Canada Education Savings Grant (CESG), which is 20% for every dollar contributed up to a maximum of $2000 of contribution per year. Effective this year, the government has increased the CESG to a maximum of $2500 per year of contribution per year. The government would contribute $500 of CESG based on a maximum $2500 contribution. In my case, I have three children which means I can contribute as much as $7500 for all three kids and the government would put in $1500 for a total contribution of $9000. The maximum CESG that each child can get in a lifetime is $7200 remains unchanged. That means I can contribute the maximum ($2500) for fourteen and a half years to maximize the grant money from the government.

2. Catching up on previous years contributions. If you have not made contributions to the RESP in previous years, you are allowed to do some catch up. The government allows you to contribute a maximum of $5000 per year per child and qualify for the CESG on the entire contribution. In other words, you can only catch up one year at a time. In my case, although I have three children, Jason was born in 2007. Thus, he would not be eligible for contributions for 2006. If I had not made RESP contributions in the past, I could contribute a total of $12,500 for my kids ($5000 for Robbie, $5000 for Connor and $2500 for Jason).

3. No annual maximum contribution. Although the maximum you can contribute to the RESP and still qualify for the CESG is $5000, you can contribute as much as $50,000 lump sum. However, in doing so, you waive your future CESGs. In other words, ff I contributed $50,000 for my youngest son Jason who was born in 2007, I would get the CESG for 2007 or $500. However, no future CESGs would be available. On one hand, I would get tax deferred compounding for Jason for the next 20 years but I would lose $6700 of CESG from the government. I think I would opt to invest the $50,000 into a non-RRSP investment into tax efficient investments and stream $2500 per year into the RESPs to get the CESG grant money.

4. Alberta Centennial Education Savings Plan (ACES). For Alberta only, the government will contribute $500 into an RESP for children born or adopted by an Alberta resident beginning in 2005. The Alberta government will contribute an additional $100 for children when they turn 8, 11 and 14. In my case, I have two of the three kids that were born 2005 and later which means I qualify for $1000 from the Alberta government. Although my oldest, Robbie was born prior to 2005, he will still get the $100 when he turns 8, 11, and 14. All you have to do is open up an RESP and contribute something to the plan to qualify. This grant money and earnings is transferable among siblings.

So there you have four great reasons to start contributing to RESPs. Anyone like grandparents, uncles and aunts can contribute to a child’s RESP but remember these limits discuss are for each child. Make sure there is some communication with the parents if you want to contribute to the RESPs.

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