Benefits Tailored to the Changing Needs of CanadiansWritten by Anna Dorbyk
Increasingly, traditional benefits packages are disappearing from Canadian business landscape. As face of Canadian workforce continually changes, companies are finding it necessary to address these shifts. The reality for many employers is that it is becoming more and more difficult to recruit workers if they are not able to offer an attractive benefits package. It is not simply enough to offer affordable health insurance; there must also be option to choose. Today, many Canadians opt for a ‘cafeteria-style’ benefits package that offers them freedom to design a customized benefits plan.Although flexible benefits, commonly referred to as ‘cafeteria-style’, have been around for more than 20 years, they are only now gaining in popularity. Employers and workers alike are attracted to flexibility they offer. They allow individuals to choose from a menu of benefits what best suits their needs. By designing a unique combination of health care coverage, employees are able to provide themselves with a feeling of security and protection. These benefits can be offered by an employer in their employee benefits package, or can be bought through a private health insurance provider in form of supplemental health coverage.
| | Poor Credit Home Loan – Get The Mortgage Loan You WantWritten by Carrie Reeder
Having poor credit alone cannot hold you back from getting home loan you want. Buying a home that is everything you want in a home, is a very exciting experience. The blemishes on your credit history will not alone keep you from getting home you want and home you deserve.Here are some things to keep in mind when moving forward in application process to get your home loan: Contact or apply to many different lenders or brokers – Online you can fill out many mortgage applications where lender or mortgage service company does not pull your credit history. If they don't ask for your social security number, they usually cannot pull your credit. Brokers usually use initial application or inquiry form and what you tell them about your credit to make a decision about whether they should pursue application and pull your credit or not. Many lenders will tell you that you are not going to get approved anywhere and that if they can’t help you, no one can. That is not true. All mortgage brokers have access to very different mortgage programs and some brokers are more creative in their financing techniques than others. Fill out your application or inquiry as accurately as possible – Inflating your income on your application or inquiry form, to be higher than you know you can verify your income to be, will only delay process of getting pre-approved. The broker will work fastest for you if he/she is working with exact information he/she needs to be able to verify. That’s best way to get approved and through pre-approval process smoothly.
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