#Debt Negotiation Services in Calgary

[1prabhatsingh]

A Step-by-Step Guide to Achieve Your Dream Home In Canada 

Realtor Advertising

For many individuals, it is a dream come true to have their own house. Whether you are a first-time buyer or thinking of an upgrade, Canada's real estate market is quite varied enough with lots of offerings.  

With so much realtor advertising going on, it often becomes hard to know what’s the right way to get your dream home. Worry not in this guide, we are going through the steps of fulfilling your dream of owning your own home.

1. Financial Preparation

Budget: Decide on how much you are able to pay. Consider your income, current debts and monthly expenses. Utilize online calculators to compute your mortgage amortisation.

Credit Score: Credit score is a pivotal factor for getting a mortgage. Make sure you check your credit rating and rectify any issues.

Down Payment: Putting money aside for a down payment. In Canada, the minimum set for a home cost up to $500,000 is 5%. However, for the homes with the cost higher than that, the down payment will be increased.

2. Research and Location

Explore Cities: Canada has lively cities including cities like Toronto, Vancouver, Montreal, and Calgary. Research their real estate market, employment possibilities, and scenarios of life there.

Neighbourhoods: Choose the neighbourhoods which match your specific predilections, like nearby workplaces, schools, parks, and amenities.

Market Trends: Analyze local real estate trends. Is it a seller's or a buyer's market? Visit the agents and market reports.

3. Mortgage Pre-Approval

Lenders: To start the process, approach banks, credit unions, or brokers for pre-approval. They’ll scrutinize your financials and issue a pre-approval letter.

Interest Rates: Evaluate the interest rates and mortgage terms.Fixed or variable?Short-term or long-term?

4. Search for a Real Estate Agent

Expertise: A real estate agent knows the market, acts as your rep, and leads you to the destination.

Interview: Meet the potential agents. Ask them about their accomplishments, the stories they have to tell, and how they deal with people

5. House Hunting

Wishlist: Develop a list of must-haves and would-be nice-to-have items. Always look at the size, the plan, and the finish of the bedroom.

Viewings: Attend open houses and spend some time on site. Take notes on features, do a comparison, and contrast different brands.

6. Make an Offer

Negotiation: Together with your agent, prepare to make an offer. Since price, conditions (e.g. home inspection) and closing date are involved, reflect on them carefully.

Deposit: Suggest a deposit (normally it would be from 1 to 5% of the sale price when having the agreement) with the offer in.

7. House Condition and Valuation

Inspection: Get in touch with a thorough professional inspector. They will look at the state and condition of the property. They will check the structural elements, plumbing and electrical components.

Appraisal: But the lender needs to find out the exact worth of the property by hiring the appraisers.

8. Finalize Financing

Mortgage Approval: Once the offer of your purchase is accepted, the loan you have chosen should be finalised with the lender.

Legal Representation: Find a real estate attorney whom you can trust to take care of the legal matters in the sale/purchase of your home.

9. Closing Day

Paperwork: Make sure the dealing is registered, money is transferred, and you pay the closing costs required (e.g., land transfer fee, legal fees).

Possession: Get behind the wheel and start your amazing homeownership journey!

10. Post-Purchase Considerations

Utilities and Services: Use electricity, water, and gas facilities at your service and change your address.

Home Insurance: The best protection against the risks associated with home ownership is home insurance.

Enjoy!: Celebrating your accomplishment is the culmination of a long and hard journey, the easiest part is finally settling home.

Conclusion

Buying your dream house in Canada is a matter of considering and analyzing the options and engaging professional help when needed. Finally, follow through these steps. Within days you will be sipping coffee on your patio with a view of the Canadian countryside.

[personalcoachingcenter]

10 ways women can grow their wealth

New Post has been published on http://personalcoachingcenter.com/10-ways-women-can-grow-their-wealth/

10 ways women can grow their wealth

Women can often have a tougher time than men when it comes to money. That’s not because women are bigger spenders than men or that they simply aren’t interested in building wealth and investing. The truth is, there are real structural roadblocks to attaining financial freedom for women compared to their male counterparts.

We’ve all familiar with the gender gap statistics. A recent Maclean’s article highlighted a 26 per cent gap between full-time wages paid to men and women in Canada.

But it doesn’t end there. Women feel financial headwinds in a lot of areas. Surveys clearly bear this out. For instance, according to a November 2017 survey done by Los Angeles-based Capital Group Companies, one of the largest investment management firms in the world, even though women believe they have more economic power as investors than they do in the workplace, eight out of 10 women have personally experienced negative stereotypes about their investing know-how and financial contributions to the household.

Of course, there’s gender price discrimination, known as a “pink tax” (meaning women pay more for “female” versions of products than men do for similar products), wage bias, career bias, investing bias (where men are seen as better investors than women) and wealth building bias (the idea that since women make less and invest less, they also build less wealth over a lifetime). There are plenty of barriers some women can face to getting ahead financially.

Happily, there’s no better way to overcome these barriers than with a good, old-fashioned emergency fund—or what some women would be right to call an FU-fund, especially if they don’t otherwise have the resources to act as a cushion while getting out of a messy divorce, or while taking some extra time with their kids as a single parent. An FU-fund is a constantly growing stash of cash that allows women the time and financial resources they need to better their lot in life—whether it’s quitting a stalled job, adding more skills training or professional credentials.

“An emergency fund and having some of your own money is really about having choices,” says Calgary-based Rose Raimondo, a certified financial planner and owner of Raimondo and Associates. “You don’t want to be cornered and then feel stuck with no money of your own.”

MoneySense is here to help. Here are 10 things you can now to improve your bottom line for the long term.

1. Shop wisely

That means buying men’s versions of almost anything. In many cases—whether it’s beauty products, haircuts, clothes or dry-cleaning—gender-based pricing is a real thing. Known as the “pink tax” it means women end up paying tens of thousands of dollars more over a lifetime for the same goods and services that men do. In fact, a study done in December 2015 by New York City’s Department of Consumer Affairs found that, on average, products for women cost 7 per cent more than similar products for men and women’s products were priced higher 42 per cent of the time.

So what should you do? “Change the gender gouging to your advantage,” says Rita Silvan, an investment and lifestyle editor with goldengirlfinance.com. “Look at generic items like shampoo, soap, razors, and deodorant and shop the men’s shop first…My mother even goes to a barber for a short pixie cut where she pays $20 instead of $100. At the end of the day, hair is hair.” Silvan also recommends that women keep mental track of how much they’re saving. “It can be substantial,” says Silvan. For instance, if you put $5,000 away each year from shopping with the strategy to avoid the pink tax and for 30 years you put that money in an emergency fund and invest it at a modest 5% average annual return, you’ll have $370,413. They key? Tracking your spending. Learn more here.

2. Ask for a pay raise

Start negotiating a raise every year. “Negotiation is a learned skill,” says Raimondo. “Understand what the job is worth and what you’re worth so you’re in a better position to negotiate a raise.” Silvan recommends taking further steps. “If the answer is ‘no’ when you ask for a raise the first time, keep trying. And before you leave your manager’s office get a firm commitment that the two of you can talk about this again in six months’ time.”

Here are some guidelines for achieving negotiating success. Here are steps on how to actually ask for a raise. And for inspiration, here’s one single mom’s story on how saving an emergency fund helped her make bigger life decisions. Oh, and if you’ve learned you’re being paid less than a male colleague, here’s what you can do about it.

3. Don’t neglect your career

Why do women still flock to fields such as education and health sciences while more men choose engineering? A big part of the answer is societal factors that tend to lead girls to underestimate their own abilities and a lack of role models at top levels. Add in other factors, like the fact that many women drop out of the workforce due to maternity leave or decreased hours to accommodate family responsibilities, and it’s easy to see how women fall off the career track.

What helps in closing the career gap is understanding the ramifications of your decisions. “If you decide to drop out of the workforce for 10 years to raise a family, create a 10-year-plan,” says Caird Urquhart, founder, and president of Newroad Coaching in Toronto. “In years 8 and 9, start planning your re-entry, whether it’s by upgrading your skills, working part-time, or simply working a bit from home.” Still dreaming of scoring your dream job? Here are steps towards landing it.

4. Pay yourself first

That means taking 10% gross from your pay and tucking the money away in your FU-fund. Depending on your situation, you might even want to insist on a monthly allowance for yourself from a wage-earning partner while you’re out of the workforce—whether it’s to raise kids, retrain, or become a caregiver to elderly parents. Save a 10% portion of that and keep topping up your FU fund so you can dip into it as needed. Here’s what you need to know to automate your savings.

5. Set financial goals

Once you’ve paid off debt and have a job you like, sit down and set some goals. “If you’re married, or in a relationship, don’t leave it up to your partner to do this alone,” says Urquhart. “It’s not smart to let men control everything in your life. Help draw up the family budget and weigh in on what the family’s goals should be.” Here’s how to also prioritize your financial goals.

6. Get a good advisor

You need to know how your money is spent and invested. Start by choosing a financial advisor you trust and then meeting with him or her annually. Here’s a cheat sheet on how to find the ideal advisor.

7. Educate yourself

Read a couple of personal finance books. It really doesn’t matter which book you start with and what financial savings path you take—as long as you keep moving forward.

8. Understand asset allocation and risk tolerance

“Women, in general, gravitate to low volatility investments—GICs, bonds, and the like,” says Silvan. “But that’s often because they earn less and have less in savings to work with. Women with larger disposable incomes can take more risk.” Here’s why diversification matters.

9. Keep investments simple and cost-effective

Finding one good balanced fund and putting your emergency savings into it is often all that’s needed. Or, simply opting for one of the new Vanguard Exchange-traded funds (ETFs) that have all the diversification you need built right into one low-fee fund is also a good move. You can learn more on that here.

And while you’re at it, read Jennica’s story of how she built a simple low-cost portfolio with balanced funds. It’s eye-opening.

10. Monitor your wealth

Wealth is the difference between an individual’s assets and liabilities. But the concept of wealth is so much more. It’s the ability to pay for an emergency or other unexpected expense, the freedom to buy a home or pursue higher education and the security of having enough for retirement. In short, wealth is stability and opportunity.

Draw up an annual net worth statement to see if you’re on track with your financial goals—and to ensure you’re topping up your FU-fund if you’ve dipped into it over the course of the year. If you do this one simple step, you’re more likely to have financial success.

MORE ABOUT SALARIES:

Age, not gender, the new income divide in Canada

Pay raises to average 2.79% in 2015

ETF newcomers

Real estate reality

Are annuities the new RRIFs?

You’re paid more than you think

Where to get a raise

Car insurance costs

Source, N;

[mikemortgage]

Enbridge to squeeze in more oil barrels in main pipeline, review operations in bid to lift prices

CALGARY — North America’s largest pipeline company Enbridge Inc. is boosting capacity by as much as 100,000 barrels per day by the middle of next year and reviewing how it operates its flagship oil pipeline to help alleviate discounts plaguing the Canadian oilpatch.

Enbridge president and CEO Al Monaco told analysts during an investor day presentation that the expansion of the company’s mainline, which moves 2.2 million barrels per day out of Western Canada, would relieve the pressure facing domestic producers amid oil discounts that hit $50 below WTI over the past month but have eased slightly in recent weeks.

“We think the system, given its scale and reach, can be a very big part of the solution going forward in this basin,” Al Monaco told investors.

Enbridge also announced plans to hike its dividend by 10 per cent to $2.95 per share annually, simplify its corporate structure and the way it raises funds through debt financing — a series of moves that were widely praised by analysts.

Gavin MacFarlane, Moody’s Investors Service’s senior vice-president and analyst, placed the company and all of its subsidiaries on review for a potential credit upgrade to reflect “the significant steps Enbridge has taken to simplify its corporate structure and reduce structural subordination and leverage.”

The Calgary-based pipeline operator aims to switch its main oil pipeline network from a system that currently operates as the spot market to one that is under-pinned by long-term contracts beginning in 2021 in a move that’s expected to benefit both large and small oil producers.

“We did have as part of developing our approach, the smaller producer in mind. They do not have to sign up for 20 years,” Enbridge executive vice-president and president of its liquids pipeline division Guy Jarvis said, declining to provide more details as negotiations are ongoing.

Enbridge counters claim ‘air barrels’ sent through pipeline

Enbridge eases debt load with $4.3 billion sale to Brookfield

He also said there is broad support for a contracted system from a combination of Canadian oil producers and U.S. refiners.

“They’ve all made multi-billion investments and what we’re hearing strongly from them is they don’t want to have to deal with apportionment,” Jarvis said.

Enbridge has had to ration space on its mainline over the course of 2018 as more oil is currently being produced in Western Canada than can fit in the country’s export pipeline network.

The issue has come into sharp focus as oil companies sharply criticized the pipeline operator for the system’s inefficiencies and as wide differentials for Western Canada Select heavy oil reached record-setting US$50 per barrel discounts relative to West Texas Intermediate.

While differentials have since shrunk back to the US$14 per barrel range, thanks in large part to  Alberta government’s move to force oil companies to curtail their production, domestic producers have continued to scale back spending.

Cenovus Energy Inc. announced a pared back capital budget of between $1.2 billion and $1.4 billion on Tuesday.

Cenovus has said it won’t move forward with new oilsands projects until there is more pipeline capacity, and recently announced oil-by-rail deals to move 100,000 bpd from Alberta to the U.S. Gulf Coast over the course of the next year.

Similarly, Athabasca Oil Corp. announced it would lay off 25 per cent of its staff, reduce executive salaries and cut spending by 30 per cent from planned $140 million in 2018 to between $95 million and $110 million in 2019.

The company also announced it had sold pipelines and an oil storage terminal to Enbridge for $265 million in a move that will improve the company’s liquidity.

There could be a more strategic reason for Enbridge to shift to a long-term contractual system for its mainline, IHS Markit vice-president North American crude oil markets Kevin Birn said.

If competing pipelines such as TransCanada Corp.’s Keystone XL or the federal government’s Trans Mountain expansion are built, there could be fewer barrels flowing through Enbridge’s system.

“We do have a scenario where we could move to a surplus of capacity,” Birn said.

In the meantime, while both the Keystone XL and Trans Mountain projects face delays, Enbridge is working to expand its system before either proceed to construction.

“We’re going as fast as we can,” Monaco said. “We understand the importance of capacity in the marketplace,” he said, noting the company has also embarked on a debottlenecking project designed to boost the capacity of the system by between 50,000 barrels per day and 100,000 bpd by the middle of 2019.

At the same time, the company said it is on track to complete its 370,000 bpd Line 3 replacement project by the end of 2019 and is looking at expand other parts the system in coming years.

“They’ve been remarkable at squeezing more oil into the system,” Birn said of Enbridge, which has intentions to boost its mainline capacity by a total of 800,000 bpd over the next five years.

• Email: gmorgan@nationalpost.com | Twitter: geoffreymorgan

from Financial Post https://ift.tt/2zV9Zj4 via IFTTT Blogger Mortgage Tumblr Mortgage Evernote Mortgage Wordpress Mortgage href="https://www.diigo.com/user/gelsi11">Diigo Mortgage

[startupcanada]

TransGlobe Energy Corporation Announces Declaration of Dividend

CALGARY, Alberta, Aug. 14, 2018 (GLOBE NEWSWIRE) — TransGlobe Energy Corporation (“TransGlobe” or the “Company”) (TSX & AIM:  “TGL” & NASDAQ:  “TGA”) announces that its Board of Directors has declared dividend of US$0.035 per common share, which will be paid in cash on September 14, 2018 to shareholders of record on August 31, 2018.

The dividend is designated as an eligible dividend under the Income Tax Act (Canada).

About TransGlobe TransGlobe Energy Corporation is a Calgary-based, growth-oriented oil and gas exploration and development company whose current activities are concentrated in the Arab Republic of Egypt and Canada. TransGlobe’s common shares trade on the Toronto Stock Exchange and the AIM market of the London Stock Exchange under the symbol TGL and on the NASDAQ Exchange under the symbol TGA. Advisory on Forward-Looking Information and Statements    Certain statements included in this news release constitute forward-looking statements or forward-looking information under applicable securities legislation. Such forward-looking statements or information are provided for the purpose of providing information about management’s current expectations and plans relating to the future. Readers are cautioned that reliance on such information may not be appropriate for other purposes. Forward-looking statements or information typically contain statements with words such as “anticipate”, “believe”, “expect”, “plan”, “intend”, “estimate”, “may”, “will”, “would” or similar words suggesting future outcomes or statements regarding an outlook. In particular, forward-looking information and statements contained in this document include, but are not limited to, the Company’s strategy to grow its annual cash flow; expectations regarding its acquisition efforts; anticipated drilling, completion and testing plans, including, the anticipated timing thereof, prospects being targeted by the Company, and rig mobilization plans; expected future production from certain of the Company’s drilling locations; TransGlobe’s plans to drill additional wells, including the types of wells, anticipated number of locations and the timing of drilling thereof; the timing of rig movement and mobilization and drilling activity; the Company’s plans to file development lease applications for certain of its discoveries, including the expected timing of filing of such applications and the expected timing of receipt of regulatory approvals; anticipated production and ultimate recoveries from wells; to negotiate future military access (including the expected timing thereof), including the anticipated timing of wells on production; TransGlobe’s plans to continue exploration, development and completion programs in respect of various discoveries; future requirements necessary to determine well performance and estimated recoveries; and other matters.

Forward-looking statements or information are based on a number of factors and assumptions which have been used to develop such statements and information but which may prove to be incorrect. Although the Company believes that the expectations reflected in such forward-looking statements or information are reasonable, undue reliance should not be placed on forward-looking statements because the Company can give no assurance that such expectations will prove to be correct. Many factors could cause TransGlobe’s actual results to differ materially from those expressed or implied in any forward-looking statements made by, or on behalf of, TransGlobe.

In addition to other factors and assumptions which may be identified in this news release, assumptions have been made regarding, among other things, anticipated production volumes; the timing of drilling wells and mobilizing drilling rigs; the number of wells to be drilled; the Company’s ability to obtain qualified staff and equipment in a timely and cost-efficient manner; the regulatory framework governing royalties, taxes and environmental matters in the jurisdictions in which the Company conducts and will conduct its business; future capital expenditures to be made by the Company; future sources of funding for the Company’s capital programs; geological and engineering estimates in respect of the Company’s reserves and resources; the geography of the areas in which the Company is conducting exploration and development activities; current commodity prices and royalty regimes; availability of skilled labour; future exchange rates; the price of oil; the impact of increasing competition; conditions in general economic and financial markets; availability of drilling and related equipment; effects of regulation by governmental agencies; future operating costs; uninterrupted access to areas of TransGlobe’s operations and infrastructure; recoverability of reserves and future production rates; that TransGlobe will have sufficient cash flow, debt or equity sources or other financial resources required to fund its capital and operating expenditures and requirements as needed; that TransGlobe’s conduct and results of operations will be consistent with its expectations; that TransGlobe will have the ability to develop its properties in the manner currently contemplated; current or, where applicable, proposed industry conditions, laws and regulations will continue in effect or as anticipated as described herein; that the estimates of TransGlobe’s reserves and resource volumes and the assumptions related thereto (including commodity prices and development costs) are accurate in all material respects; and other matters.

Forward-looking statements or information are based on current expectations, estimates and projections that involve a number of risks and uncertainties which could cause actual results to differ materially from those anticipated by the Company and described in the forward-looking statements or information. These risks and uncertainties which may cause actual results to differ materially from the forward-looking statements or information include, among other things, operating and/or drilling costs are higher than anticipated; unforeseen changes in the rate of production from TransGlobe’s oil and gas properties; changes in price of crude oil and natural gas; adverse technical factors associated with exploration, development, production or transportation of TransGlobe’s crude oil reserves; changes or disruptions in the political or fiscal regimes in TransGlobe’s areas of activity; changes in tax, energy or other laws or regulations; changes in significant capital expenditures; delays or disruptions in production due to shortages of skilled manpower equipment or materials; economic fluctuations; competition; lack of availability of qualified personnel; the results of exploration and development drilling and related activities; obtaining required approvals of regulatory authorities; volatility in market prices for oil; fluctuations in foreign exchange or interest rates; environmental risks; ability to access sufficient capital from internal and external sources; failure to negotiate the terms of contracts with counterparties; failure of counterparties to perform under the terms of their contracts; and other factors beyond the Company’s control. Readers are cautioned that the foregoing list of factors is not exhaustive. Please consult TransGlobe’s public filings at www.sedar.com and www.sec.goedgar.shtml for further, more detailed information concerning these matters, including additional risks related to TransGlobe’s business.

The forward-looking statements or information contained in this news release are made as of the date hereof and the Company undertakes no obligation to update publicly or revise any forward-looking statements or information, whether as a result of new information, future events or otherwise unless required by applicable securities laws. The forward-looking statements or information contained in this news release are expressly qualified by this cautionary statement.

      For further information, please contact:

Investor Relations Telephone: 403.264.9888 Email: investor.relations@trans-globe.com Web site:  http://www.trans-globe.com

      TransGlobe Energy Via FTI Consulting Ross Clarkson, Chief Executive Officer Randy Neely, President Eddie Ok, Chief Financial Officer www.trans-globe.com

      Canaccord Genuity  (Nomad & Joint Broker) +44 (0) 20 7523 8000 Henry Fitzgerald-O’Connor James Asensio       GMP First Energy (Joint Broker) +44(0)207 448 0200 Jonathan Wright       FTI Consulting (Financial PR) +44 (0) 203 727 1000 Ben Brewerton Emerson Clarke transglobeenergy@fticonsulting.com    

    Shared from The Canadian Business Journal https://ift.tt/2LGsdfR Canada Incorporation & Corporate Registry Services

The post TransGlobe Energy Corporation Announces Declaration of Dividend appeared first on Company Formations Canada.

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The Amount Of Their Water Management Process Mainly Depends Upon The Type Of Project That They’re …

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[personalcoachingcenter]

10 ways women can grow their wealth

New Post has been published on https://personalcoachingcenter.com/10-ways-women-can-grow-their-wealth/

10 ways women can grow their wealth

Women can often have a tougher time than men when it comes to money. That’s not because women are bigger spenders than men or that they simply aren’t interested in building wealth and investing. The truth is, there are real structural roadblocks to attaining financial freedom for women compared to their male counterparts.

We’ve all familiar with the gender gap statistics. A recent Maclean’s article highlighted a 26 per cent gap between full-time wages paid to men and women in Canada.

But it doesn’t end there. Women feel financial headwinds in a lot of areas. Surveys clearly bear this out. For instance, according to a November 2017 survey done by Los Angeles-based Capital Group Companies, one of the largest investment management firms in the world, even though women believe they have more economic power as investors than they do in the workplace, eight out of 10 women have personally experienced negative stereotypes about their investing know-how and financial contributions to the household.

Of course, there’s gender price discrimination, known as a “pink tax” (meaning women pay more for “female” versions of products than men do for similar products), wage bias, career bias, investing bias (where men are seen as better investors than women) and wealth building bias (the idea that since women make less and invest less, they also build less wealth over a lifetime). There are plenty of barriers some women can face to getting ahead financially.

Happily, there’s no better way to overcome these barriers than with a good, old-fashioned emergency fund—or what some women would be right to call an FU-fund, especially if they don’t otherwise have the resources to act as a cushion while getting out of a messy divorce, or while taking some extra time with their kids as a single parent. An FU-fund is a constantly growing stash of cash that allows women the time and financial resources they need to better their lot in life—whether it’s quitting a stalled job, adding more skills training or professional credentials.

“An emergency fund and having some of your own money is really about having choices,” says Calgary-based Rose Raimondo, a certified financial planner and owner of Raimondo and Associates. “You don’t want to be cornered and then feel stuck with no money of your own.”

MoneySense is here to help. Here are 10 things you can now to improve your bottom line for the long term.

1. Shop wisely

That means buying men’s versions of almost anything. In many cases—whether it’s beauty products, haircuts, clothes or dry-cleaning—gender-based pricing is a real thing. Known as the “pink tax” it means women end up paying tens of thousands of dollars more over a lifetime for the same goods and services that men do. In fact, a study done in December 2015 by New York City’s Department of Consumer Affairs found that, on average, products for women cost 7 per cent more than similar products for men and women’s products were priced higher 42 per cent of the time.

So what should you do? “Change the gender gouging to your advantage,” says Rita Silvan, an investment and lifestyle editor with goldengirlfinance.com. “Look at generic items like shampoo, soap, razors, and deodorant and shop the men’s shop first…My mother even goes to a barber for a short pixie cut where she pays $20 instead of $100. At the end of the day, hair is hair.” Silvan also recommends that women keep mental track of how much they’re saving. “It can be substantial,” says Silvan. For instance, if you put $5,000 away each year from shopping with the strategy to avoid the pink tax and for 30 years you put that money in an emergency fund and invest it at a modest 5% average annual return, you’ll have $370,413. They key? Tracking your spending. Learn more here.

2. Ask for a pay raise

Start negotiating a raise every year. “Negotiation is a learned skill,” says Raimondo. “Understand what the job is worth and what you’re worth so you’re in a better position to negotiate a raise.” Silvan recommends taking further steps. “If the answer is ‘no’ when you ask for a raise the first time, keep trying. And before you leave your manager’s office get a firm commitment that the two of you can talk about this again in six months’ time.”

Here are some guidelines for achieving negotiating success. Here are steps on how to actually ask for a raise. And for inspiration, here’s one single mom’s story on how saving an emergency fund helped her make bigger life decisions. Oh, and if you’ve learned you’re being paid less than a male colleague, here’s what you can do about it.

3. Don’t neglect your career

Why do women still flock to fields such as education and health sciences while more men choose engineering? A big part of the answer is societal factors that tend to lead girls to underestimate their own abilities and a lack of role models at top levels. Add in other factors, like the fact that many women drop out of the workforce due to maternity leave or decreased hours to accommodate family responsibilities, and it’s easy to see how women fall off the career track.

What helps in closing the career gap is understanding the ramifications of your decisions. “If you decide to drop out of the workforce for 10 years to raise a family, create a 10-year-plan,” says Caird Urquhart, founder, and president of Newroad Coaching in Toronto. “In years 8 and 9, start planning your re-entry, whether it’s by upgrading your skills, working part-time, or simply working a bit from home.” Still dreaming of scoring your dream job? Here are steps towards landing it.

4. Pay yourself first

That means taking 10% gross from your pay and tucking the money away in your FU-fund. Depending on your situation, you might even want to insist on a monthly allowance for yourself from a wage-earning partner while you’re out of the workforce—whether it’s to raise kids, retrain, or become a caregiver to elderly parents. Save a 10% portion of that and keep topping up your FU fund so you can dip into it as needed. Here’s what you need to know to automate your savings.

5. Set financial goals

Once you’ve paid off debt and have a job you like, sit down and set some goals. “If you’re married, or in a relationship, don’t leave it up to your partner to do this alone,” says Urquhart. “It’s not smart to let men control everything in your life. Help draw up the family budget and weigh in on what the family’s goals should be.” Here’s how to also prioritize your financial goals.

6. Get a good advisor

You need to know how your money is spent and invested. Start by choosing a financial advisor you trust and then meeting with him or her annually. Here’s a cheat sheet on how to find the ideal advisor.

7. Educate yourself

Read a couple of personal finance books. It really doesn’t matter which book you start with and what financial savings path you take—as long as you keep moving forward.

8. Understand asset allocation and risk tolerance

“Women, in general, gravitate to low volatility investments—GICs, bonds, and the like,” says Silvan. “But that’s often because they earn less and have less in savings to work with. Women with larger disposable incomes can take more risk.” Here’s why diversification matters.

9. Keep investments simple and cost-effective

Finding one good balanced fund and putting your emergency savings into it is often all that’s needed. Or, simply opting for one of the new Vanguard Exchange-traded funds (ETFs) that have all the diversification you need built right into one low-fee fund is also a good move. You can learn more on that here.

And while you’re at it, read Jennica’s story of how she built a simple low-cost portfolio with balanced funds. It’s eye-opening.

10. Monitor your wealth

Wealth is the difference between an individual’s assets and liabilities. But the concept of wealth is so much more. It’s the ability to pay for an emergency or other unexpected expense, the freedom to buy a home or pursue higher education and the security of having enough for retirement. In short, wealth is stability and opportunity.

Draw up an annual net worth statement to see if you’re on track with your financial goals—and to ensure you’re topping up your FU-fund if you’ve dipped into it over the course of the year. If you do this one simple step, you’re more likely to have financial success.

MORE ABOUT SALARIES:

Age, not gender, the new income divide in Canada

Pay raises to average 2.79% in 2015

ETF newcomers

Real estate reality

Are annuities the new RRIFs?

You’re paid more than you think

Where to get a raise

Car insurance costs

Source, N;

[startupcanada]

TransGlobe Energy Corporation Announces Declaration of Dividend

CALGARY, Alberta, Aug. 14, 2018 (GLOBE NEWSWIRE) — TransGlobe Energy Corporation (“TransGlobe” or the “Company”) (TSX & AIM:  “TGL” & NASDAQ:  “TGA”) announces that its Board of Directors has declared dividend of US$0.035 per common share, which will be paid in cash on September 14, 2018 to shareholders of record on August 31, 2018.

The dividend is designated as an eligible dividend under the Income Tax Act (Canada).

About TransGlobe TransGlobe Energy Corporation is a Calgary-based, growth-oriented oil and gas exploration and development company whose current activities are concentrated in the Arab Republic of Egypt and Canada. TransGlobe’s common shares trade on the Toronto Stock Exchange and the AIM market of the London Stock Exchange under the symbol TGL and on the NASDAQ Exchange under the symbol TGA. Advisory on Forward-Looking Information and Statements    Certain statements included in this news release constitute forward-looking statements or forward-looking information under applicable securities legislation. Such forward-looking statements or information are provided for the purpose of providing information about management’s current expectations and plans relating to the future. Readers are cautioned that reliance on such information may not be appropriate for other purposes. Forward-looking statements or information typically contain statements with words such as “anticipate”, “believe”, “expect”, “plan”, “intend”, “estimate”, “may”, “will”, “would” or similar words suggesting future outcomes or statements regarding an outlook. In particular, forward-looking information and statements contained in this document include, but are not limited to, the Company’s strategy to grow its annual cash flow; expectations regarding its acquisition efforts; anticipated drilling, completion and testing plans, including, the anticipated timing thereof, prospects being targeted by the Company, and rig mobilization plans; expected future production from certain of the Company’s drilling locations; TransGlobe’s plans to drill additional wells, including the types of wells, anticipated number of locations and the timing of drilling thereof; the timing of rig movement and mobilization and drilling activity; the Company’s plans to file development lease applications for certain of its discoveries, including the expected timing of filing of such applications and the expected timing of receipt of regulatory approvals; anticipated production and ultimate recoveries from wells; to negotiate future military access (including the expected timing thereof), including the anticipated timing of wells on production; TransGlobe’s plans to continue exploration, development and completion programs in respect of various discoveries; future requirements necessary to determine well performance and estimated recoveries; and other matters.

Forward-looking statements or information are based on a number of factors and assumptions which have been used to develop such statements and information but which may prove to be incorrect. Although the Company believes that the expectations reflected in such forward-looking statements or information are reasonable, undue reliance should not be placed on forward-looking statements because the Company can give no assurance that such expectations will prove to be correct. Many factors could cause TransGlobe’s actual results to differ materially from those expressed or implied in any forward-looking statements made by, or on behalf of, TransGlobe.

In addition to other factors and assumptions which may be identified in this news release, assumptions have been made regarding, among other things, anticipated production volumes; the timing of drilling wells and mobilizing drilling rigs; the number of wells to be drilled; the Company’s ability to obtain qualified staff and equipment in a timely and cost-efficient manner; the regulatory framework governing royalties, taxes and environmental matters in the jurisdictions in which the Company conducts and will conduct its business; future capital expenditures to be made by the Company; future sources of funding for the Company’s capital programs; geological and engineering estimates in respect of the Company’s reserves and resources; the geography of the areas in which the Company is conducting exploration and development activities; current commodity prices and royalty regimes; availability of skilled labour; future exchange rates; the price of oil; the impact of increasing competition; conditions in general economic and financial markets; availability of drilling and related equipment; effects of regulation by governmental agencies; future operating costs; uninterrupted access to areas of TransGlobe’s operations and infrastructure; recoverability of reserves and future production rates; that TransGlobe will have sufficient cash flow, debt or equity sources or other financial resources required to fund its capital and operating expenditures and requirements as needed; that TransGlobe’s conduct and results of operations will be consistent with its expectations; that TransGlobe will have the ability to develop its properties in the manner currently contemplated; current or, where applicable, proposed industry conditions, laws and regulations will continue in effect or as anticipated as described herein; that the estimates of TransGlobe’s reserves and resource volumes and the assumptions related thereto (including commodity prices and development costs) are accurate in all material respects; and other matters.

Forward-looking statements or information are based on current expectations, estimates and projections that involve a number of risks and uncertainties which could cause actual results to differ materially from those anticipated by the Company and described in the forward-looking statements or information. These risks and uncertainties which may cause actual results to differ materially from the forward-looking statements or information include, among other things, operating and/or drilling costs are higher than anticipated; unforeseen changes in the rate of production from TransGlobe’s oil and gas properties; changes in price of crude oil and natural gas; adverse technical factors associated with exploration, development, production or transportation of TransGlobe’s crude oil reserves; changes or disruptions in the political or fiscal regimes in TransGlobe’s areas of activity; changes in tax, energy or other laws or regulations; changes in significant capital expenditures; delays or disruptions in production due to shortages of skilled manpower equipment or materials; economic fluctuations; competition; lack of availability of qualified personnel; the results of exploration and development drilling and related activities; obtaining required approvals of regulatory authorities; volatility in market prices for oil; fluctuations in foreign exchange or interest rates; environmental risks; ability to access sufficient capital from internal and external sources; failure to negotiate the terms of contracts with counterparties; failure of counterparties to perform under the terms of their contracts; and other factors beyond the Company’s control. Readers are cautioned that the foregoing list of factors is not exhaustive. Please consult TransGlobe’s public filings at www.sedar.com and www.sec.goedgar.shtml for further, more detailed information concerning these matters, including additional risks related to TransGlobe’s business.

The forward-looking statements or information contained in this news release are made as of the date hereof and the Company undertakes no obligation to update publicly or revise any forward-looking statements or information, whether as a result of new information, future events or otherwise unless required by applicable securities laws. The forward-looking statements or information contained in this news release are expressly qualified by this cautionary statement.

      For further information, please contact:

Investor Relations Telephone: 403.264.9888 Email: investor.relations@trans-globe.com Web site:  http://www.trans-globe.com

      TransGlobe Energy Via FTI Consulting Ross Clarkson, Chief Executive Officer Randy Neely, President Eddie Ok, Chief Financial Officer www.trans-globe.com

      Canaccord Genuity  (Nomad & Joint Broker) +44 (0) 20 7523 8000 Henry Fitzgerald-O’Connor James Asensio       GMP First Energy (Joint Broker) +44(0)207 448 0200 Jonathan Wright       FTI Consulting (Financial PR) +44 (0) 203 727 1000 Ben Brewerton Emerson Clarke transglobeenergy@fticonsulting.com    

    Shared from The Canadian Business Journal https://ift.tt/2LGsdfR Canada Incorporation & Corporate Registry Services

The post TransGlobe Energy Corporation Announces Declaration of Dividend appeared first on Company Formations Canada.

from Company Formations Canada https://ift.tt/2KVUA4M

[ryanrusblg]

Once the connections are made, a YES response will start the process. There is normally a flexible tubular relation between the part of the return line 18 connected right to the cooler and the rest of the line 18 which goes back to the transmission.

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Appropriate hydration plays an important function in detoxification. It is imperative to make sure in utilizing potentially harmful fluids they’re not wasted or spilled onto the ground simply to contaminate the surrounding atmosphere. With the growing concern of the possible impact hazardous fluids and the possible possible impact certain different fluids have on the surroundings, it’s prudent to cautiously and carefully handle and use these sort of fluids. The bypass pressure might be set at any desired level to safeguard the transmission being serviced.Regulator 66 is an analog meter type regulator that’s manually controlled, although an automated regulator is contemplated within the range Canada of this invention and might be used. An inline flow gauge is particularly important once the spray gun a part of an automated machine and isn’t designed to be removed easily from the control system.

For any kind of kind of photography whether it’s study in still life or fashion photography, the approach to handling your subject varies a good deal. It does this as a history computer software program, which suggests you do not need to do anything once it’s setup.Many efforts are made to give a satisfactory device to accomplish this function in an efficient and Flo-Dynamics convenient method.

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Source:http://carinasport.com/to-compare-financial-debt-negotiation-business-it-would-be-best-to-attend-a-cost-free-debt-relief/

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