The evidence garnered from employee satisfaction surveys given in over 1000 large and small businesses in Canada clearly supports importance of health benefits. In addition to being a determining factor in decision to join a company, many employees stated that being offered health benefits directly impacted their performance at work. Employees indicated that having health coverage gave them an increased sense of wellness, knowing that they were protected in event of illness or emergency. As a result, employees felt that they were less likely to miss work due to stress (a decrease in absenteeism). The survey results also indicated that employees were more loyal to their company when they felt that they were adequately provided for.

Joint Bank Account: Your income, financial assets, and credit history - and your spouse's - are considerations for a joint account. No matter who handles household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports credit history of a joint account to credit bureaus must report it in both names.

An application combining financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for credit, each is responsible for debt.