Three Reasons Why You Should Use Your Local Credit Union’s Services

As a consumer, you have access to an incredible number of financial institutions to work with. Thanks to the Internet, you can even complete your banking activities with banks located in different states and that do not have a local branch. This gives you access to hundreds of financial institutions. While you have many financial institutions to consider banking with when applying for a new loan or opening a new account, there are a few good reasons why you should choose to bank with your local credit union for your personal or business banking needs.

A Nearby Branch Location

You may be able to complete most of your banking activities over the phone or through the bank’s website or mobile app, and you may have limited needs to visit a branch location. However, there are always times when you need to visit a branch location and receive live assistance. When you bank with a local credit union, you can enjoy the convenience of having a branch location nearby. You likely have access to several credit unions in your hometown, and you may qualify for membership at a few of them.

Better Rates and Terms

Credit unions are well-known for having attractive rates and terms. This means that you can typically benefit from a higher interest rate on savings accounts as well as a lower interest rate on loans. You may have minimal or no fees on your checking account as well. The unfortunate reality is that bank fees and interest charges can add up, and they can negatively impact your financial situation without you being aware of the situation. Banking with a credit union is a great way to save money.

Friendly Customer Service

Many people have had the unfortunate experience of receiving poor service from their current bank or lender at least once or twice. Such incidents can be stressful. In many cases, you may not reach a desirable result for an issue you are dealing with. A credit union is often known for providing friendly, helpful customer service. They typically approach customer service from a local, personal standpoint to provide you with a better banking experience. To learn more, visit Windsor Family Credit Union and learn from their online resources.

Many credit unions have all of the same features, services and financial products that other financial institutions have. For example, they often have a well-developed website as well as a mobile app that adds convenience to your banking experience. However, they also offer more enhanced services and improve your banking experience in many ways. If you have never banked with a credit union, consider learning more about membership requirements and benefits at a few of the credit unions close to you today.


How to Choose a Paper Shredding Company

If you are concerned about your personal security or the security of your company, you may want to have documents shredded on a regular basis. Doing so will eliminate any paper trail that could be used against you or your business by thieves or others wishing to blackmail you. It may also provide another layer of protection for clients, employees or vendors who don’t want their information available to others for an indefinite period of time.

How to Choose a Document Shredding Company

The first step in choosing a document shredding company is to find one that is certified to do the job correctly. This ensures that all documents in its possession will be destroyed according to best practices in the industry. It also ensures that protocols are in place that ensure that no one views or copies any sensitive paperwork that is scheduled to be destroyed.

The next step is to talk with the owner of the company or others who have used a service that you are interested in hiring. Doing so will give you more insight into how seriously it takes the security of your documents prior to shredding and that they are thoroughly destroyed during the shredding process. During these conversations, you may want to ask if the company is insured or has any other ways to protect you in the event of a breach.

Work With a Local Company Whenever Possible

Ideally, you will work with a local document shredding company compared to one that is in another city or another state. This is because your documents have fewer miles to travel, which means that there is less time for them to be lost or otherwise compromised. Furthermore, you may be able to make arrangements to retrieve any paperwork that was scheduled for destruction by mistake, which could prevent documents from being shredding before you are legally able to do so.

Don’t Forget to Create Electronic Records if Necessary

While you may not be required to keep paper copies of certain records, you may still be required to keep them on file. Therefore, make sure that you make an electronic copy of all records that you need for reference or if the government asks to see them. Examples of important records include tax documents that are less than three years old, audits done by your accounting team or any employment records for those still with the company or who have worked there within the last three years.

Paper shredding can be a great way to improve security and get rid of clutter in the office. However, before you decide to destroy paper documents, make sure that you talk with one or more companies in your area that are qualified to do the job right the first time. Please visit for additional information.


How Moving to a New Location Can Help You to Escape Poverty

Escaping poverty may seem like an impossible dream given your present circumstances, but the reality is that it may be easier to do than you might think. In your current location, there may be a number of factors working against you to hold you down in poverty. However, you may be able to adjust one or more of those factors with a change in location. Where you choose to live can have a dramatic impact on your financial situation, but you need to choose your new location with care. Consider how each of these factors can impact your finances as you make a final decision about relocation.

The Cost of Living
There is a considerable difference in the cost of living from city to city. Some cities, such as New York or Los Angeles, may have a very high cost of living. Others, such as rural locations, may have a lower cost of living. Keep in mind that the income in different locations may also vary, so you will need to compare the cost of living against the average income in an area to determine the best place to live.

Better Job Opportunities
If escaping poverty is your goal, you also need to explore different job opportunities in cities with an affordable cost of living. Ideally, there will be numerous job opportunities for those with your skill set to apply for, and these positions may pay more than what you are currently making. When it comes to escaping poverty, even an extra dollar or two per hour can add up considerably. This is particularly true if you are moving to a place with a more affordable cost of living.

Closer to Family and Friends
You may not think that living closer to family and friends would impact your financial situation, but it actually might. For example, your mother may no longer work, and she may be able to care for your children while you go to work. This could eliminate the need to pay childcare expenses, and this could be a tremendous savings to you. Some family and friends may even be able to help you get a better job or assist you in other ways while you go back to school.

Where you choose to live can play a major role in your financial situation. If you are currently struggling in the depths of poverty and cannot seem to pull yourself out, consider the benefits of relocating to a new place. It may still take a considerable amount of work to get out of poverty, but your efforts to relocate may be just what is needed to jump start the effort. Additional resources can be found at


Why Fixed-Gear Bikes Are Growing In Popularity

It is not surprising that fixed gear bikes, also known as fixies, are currently trendy. With magazines writing about them and biking outlets recording heightened interest, some people have gone as far as saying this trend is now over, which always is a sign that something was a hit. However, the trend isn’t over, at least not yet. Super dedicated bikers, and most of those who aren’t always ahead of fashion are still wondering why fixed gear bikes have become so popular and whether they should jump on the wagon. Below are reasons why fixies are growing in popularity.

1. The subculture factor
Most people love subcultures, particularly when its principal characteristics are perceived as cool. You probably know that skateboards quickly became popular because kids wanted to resemble some cool Californian teenagers who rode them. Fixies are from the culture of bike messengers and were probably adopted for their convenience. As simple bikes, fixies are extremely low maintenance and rarely attract thieves. However, they are now kind of a cult in the bike messenger culture, which means they come with some savvy element.

2. Affordability
To an average individual, high-quality, designer, and foldable bikes can all be a little bit expensive. On the other hand, fixed gear bikes are relatively affordable. Finding an old and beat-up road bike, purchasing a new hub, and throwing away all the extraneous hardware might have been the solution for many. However, you can always make a fixed gear bike unique by adding your personal touch.

3. Simplicity
Long gone are the days when biking meant having a bulky bicycle with lots of accessories. People are currently looking for simple models capable of getting the job done as the integration of bikes into our daily lives intensifies. In addition, frugal living and being simple are some of the most desirable values today, at least for some segments. As such, the simplicity afforded by fixies fits right in. With thin tires, light frames, and no gears, this type is as clean and simple as any bike can get.

4. Endless customization
Although you can always customize and modify almost every kind of bicycle, there is an entire culture of customizing fixies that has undoubtedly contributed to the growing popularity. When it comes to fixies, there is an endless possibility on just how unique you can make yours.

5. The feeling that accompanies speed and danger
Extreme sports are so popular because people probably love activities that provide some connection with the environment and are also slightly dangerous. The shock of adrenaline is irresistibly attractive to many people. Although fixed gear bikes are not a sport, they fit the description. You are constantly pedaling since you cannot coast with this type of bicycle, which means you are always accelerating and the bike might get really fast.

For more information, there are additional resources available at Regal Bicycles Inc..


How to Revise Your Child Custody Agreement

There are many reasons why you may want to revise your child custody agreement that was originally agree upon during the divorce process. In some cases, you and your ex may agree to a change in child custody arrangements, and in other cases, you may need to fight your ex in court for revised custody with the help of a family law professional. With both situations, there is a due process that must be followed to alter the existing agreement established in a court of law. To learn more about child custody agreements, you may want to consult with the online resources from the Matrimonial Home website.

family-unit-blue-light-circle Hire a Family Law Expert to Represent You
If you want to revise your child custody agreement, the first step to take is to hire a family law expert. He or she can draft the paperwork that needs to be filed with the courts, and this professional will know the ideal wording to include in the document in hopes of swaying the judge in your favor. Keep in mind that not all family law experts have experience in this area of the law. Because of this, it is best to interview attorneys carefully to determine their experience level and to find a professional who you may be able to work well with on a regular basis until this matter is resolved.

family-unit-blue-light-circle Submit the Required Forms to the Court
Each state has a different petitioning process, but generally, the family lawyer will need to draft a petition or fill out a standardized form provided by the court to make the adjustment. The paperwork typically requires you to cite a specific reason why the request is being made. This may include everything from citing poor living conditions in the child’s present home to the custodial parent getting remarried and adding several new children to the household. These and other reasons may be accepted by the court as a reason to grant a change in the original and standing court order.

family-unit-blue-light-circle Wait for Your Hearing
Each state also has a different process for reviewing the required paperwork. Some will approve the petition or paperwork without a hearing, but in many cases, you and the other parent will be required to appear in court. In some instances, the child may also be required to appear in court. This is particularly true when deciding the living location for older children and teens who may be able to effectively communicate their preference for living conditions.

The revision of a child custody agreement may take several months or longer to approve, and there is a considerable process that must be walked through. Your family law professional can guide you through this process and work closely with you to help you achieve your goals.


Preparing Your Items to Take to a Recycling Station

Across Canada, many individuals have grown increasingly concerned about the state of the environment, and they are eager to do their part to protect the planet from harm. One of the most harmful elements that almost everyone contributes to is waste. Like others around the world, Canadians produce a significant amount of waste on a daily basis. Finding an effective way to deal with the waste can benefit the planet’s health, and taking your waste to recycling stations is a great option to consider. If you have not visited a recycling station personally, you may wonder what to do to recycle your items. This process is easy to complete with just a few steps.

Find the Right Stations to Visit

One of the first steps you should take is to research the different recycling stations in your area to learn more about the type of waste they accept as well as the submission method. For example, on all plastic items, there is a triangular recycling logo with a number inside of it. This number indicates if the plastic is recyclable or not. Some stations only accept plastics with a certain number inside of this circle. In addition, some do not accept glass items or other types of waste. Many will not accept large items, such as appliances. In some areas, individuals may need to visit multiple stations in order to recycle all of their waste. You may be interested in the Waste Wise Products Inc. website if you would like more information.

Sort Your Trash

After you have found the right stations to visit deposit your waste with, take time to review their waste submission methods. Some, for example, want paper goods broken down and tied in neat bundles with a twine rope. Others want the plastics sorted by number. Some, however, will not require you to sort trash before submitting it to them. Ensure that you are agreeable with the amount of prep work required for the facility that you are thinking about before you make your submission.

Recycling your waste is a great idea that can benefit your whole family in the years and decades to come. It can keep waste out of the landfills, prevent the unnecessary manufacturing of additional goods and more. This is one of the best things that individuals can and should do to protect the planet, and you can get started on it today. Simply research recycling stations close to your area as a first step to get started.

Wage garnishment

Wage Garnishment Issues in Canada

Wage garnishment is a legal process that originated as part of the legal system in the UK. Today, both the United States and Canada permit wage garnishment under limited circumstances. Essentially, “garnishment” allows a creditor who has obtained a valid judgment to require an employer to withhold a portion of a judgment debtor’s wages to satisfy the judgment. The requirements for garnishment in Canada vary according to specific provincial laws, and you should speak to a professional wage garnishment counsellor to better understand your situation.

Two Types of Garnishment

The tax collecting agency in Canada, as a branch of the Canadian government itself, enjoys broad powers of garnishment. For instance, when a citizen of Canada owes money to the Canada Revenue Agency, taxing authorities possesses discretionary authority to garnish wages.

Similarly, employers may be ordered to garnish a portion of an employee’s wages in order to pay unpaid child support judgments. Although Canadian provinces do not permit the garnishment of more than 15% to 30% of wages, courts allow the percentage deducted for the support of children to exceed that limit in rare and limited cases.

Private Garnishment

Creditors owed money in Canada may go to court to garnish wages in some instances. Basically, two types of private garnishments of assets occur. Before a court case, a creditor may seek prejudgment garnishment to prevent the other party in a lawsuit from disposing of assets which would be required to pay a judgment should the plaintiff win the lawsuit. This type of garnishment does not apply to wages. It may prevent a party to a lawsuit from selling land or other property, however.

After obtaining a final court judgment, creditors may seek the garnishment of the losing party’s wages in order to pay the judgment. In this situation, laws in all provinces limit the percentage of wages garnished by the judgment creditor. Why? Possibly because no one would keep working if they did not earn any money at all. Employees subject to garnishments may find 15% up to 30% of their wages withheld by an employer to pay a judgment as a result of a court’s order.

Garnishment And Social Media

Creditors seeking to enforce the a civil judgment sometimes use social media sources to obtain information about judgment debtors and their places of employment, in addition to other sources of information. However, anyone representing a creditor seeking to enforce an order for a garnishment much recognize that the verifying accuracy of the information remains important. Attempting to garnish the wages of the wrong individual or the wages of someone not subject to a final judgment could prove expensive.

In the past, employers sometimes sought to terminate employees subject to garnishments because of the hassle involved. Now this area has become the subject of extensive regulation.


Mistakes To Avoid When Hiring A TBI Lawyer

If you or someone you know has experienced a traumatic brain injury (TBI) and it is the fault of another party, it is important that you have a lawyer on your side. This will ensure that you are able to get any damages that are owed to you without placing too much stress on yourself. Here are some mistakes you should avoid along the way

Choosing At Random

Selecting a TBI lawyer is not as simple a task as selecting which socks you are going to wear. There is plenty involved with the situation and it is important that you don’t end up with inadequate representation. You should conduct research on any lawyer you are considering. This includes searching for reviews and speaking with others who may have had experience with them.

Hiring An Inexperienced Attorney

Sometimes there are attorneys that are fresh out of law school and your case is given to them when signing up with a firm. This is never a good idea, even if this person was at the top of their class. The problem is that they do not have direct experience with TBI cases, which means that it will reduce your chances of doing well. Even if they have dealt with a couple of personal injury cases, that is irrelevant if it wasn’t this particular type.

Being Unclear About Rates

This is perhaps one of the most common problems people have when it comes to hiring an attorney. How in the world can you expect to pay decent rates if you don’t research things thoroughly before proceeding. There is no magic number that is charged by each firm, so you will have to talk to several candidates and get quotes before making a decision.

Unfortunately, there are some lawyers who will lead you to believe that the amount you will be charged is quite low, then you are shocked when you receive a large bill. When you are told a lawyer’s rates, make sure that every fee is discussed. This way you will know exactly what will be expected of you.

There are countless personal injury attorneys in Toronto. With that said, choosing the right one will help you get the compensation you deserve. Avoiding all of the mistakes mentioned here will increase the chances of you finding a solid lawyer to help you win your case.


Finding The Best Personal Injury Lawyer

Do you need a great personal injury lawyer in Toronto? Many people find themselves need an attorney for many different reasons. You need a personal injury lawyer if you find yourself or a loved one injured, physically or mentally, due to someone’s negligence. How do you find the best personal injury lawyer for your case? Read on for some helpful tips at

First of all, ask your trusted friends and family members if they’ve worked with a great lawyer that they would recommend. Ask any questions you can think of and talk with your friend or family member about the lawyer in question. You will want to find out how they were treated, the outcome of the case, the charges, and more.

Next, do your research. Find out about the best personal injury lawyer in Toronto by looking online. A quick search should bring up websites of lawyers along with reviews by those who have used these law offices. Taking a few minutes to read this information should give you a good idea.

After that, contact the lawyer to find out what they think of your case. Talking with the lawyer or his or her representative should give you a good idea of how the law office operates and if you want to continue your case with them.

Once you find a law office to take your case, you will meet with the best personal injury lawyer in Toronto. This meeting is very important so you will want to be prepared. Bring along any documentation you have that pertains to the injury. You may have accident reports, insurance paperwork, doctor’s notes, and more. Any documents you have should be brought with you just in case they are needed.

After meeting with the lawyer, you should have even more information. You lawyer and representatives will need time to look over all of the evidence and decide on a course of action. Try your best to be patient so they can take the time to create a plan.

Your and your lawyer will likely meet many times to discuss the personal injury case. Be sure you are open and honest with the attorney so they have all of the information that they need. The more information you share, the better the lawyer can help you in your case. Don’t hesitate to ask questions, too, as this will help you and the lawyer learn.


What Does Tax Lawyer Toronto Do?

Tax lawyers in Toronto enjoy a higher pay, compared to any other lawyers practicing as private lawyers. These lawyers have a wide scope of duties including service oriented roles to clients. For this reason, they must be sharp-minded, have a good communication skills, and outgoing.

The tax lawyers deal in many business transactions and specialize in many aspects of the law including negotiating, tax laws, intellectual property, financial reporting, code compliance financial reporting and many other areas. Ask for experts online to

Tax lawyers also perform other kinds of duties including being an advisor to business executives and can act on behalf of the company in a court of law. They may also be charged with the responsibility of studying the draft contract, handle all matters that facilitate merger as well as dealing with human resource issues at the tax level. The lawyers spend most of their time studying laws and may be involved in drafting necessary documents.

Tax lawyers are service oriented; work with other lawyers from other companies including brokering deals. They must ensure that they comply with other applicable laws and are expected to have exceptional written and oral skills.

At the law school, tax lawyers get an opportunity to interact with many people in the tax world especially during the internship where they interact with people who have a big influence on the future success of their career. Those who pursue a career in the legal counsel go into the business of serving as attorneys or can choose to teach tax law at the law school.

It is important to note that tax lawyers participate in day to day activities of the company such as paperwork, contract writing, and constant monitoring of business, communication and transactions.
If hired by a large firm, tax lawyers will mostly practice litigation including carrying out research and writing. Those who do this kind of work hardly get involved in arguing the law.
They may also get involved in a number of activities such as mergers, insolvency, bankruptcy tax finance, real estate and banking.
The attorneys may also be asked to perform other tasks that are performed by any other lawyer who is not practicing as tax lawyers. Anyone who is serving as a junior will be given other tasks such as finalizing relevant contracts, ensuring that money exchanges hands and many more. They may also be charged with the responsibility of ensuring that they keep track of documents, establish their authenticity and many others. In some cases, they may be responsible of ensuring that all documents are prepared and signed accordingly.

After executing and ensuring that the exchange has taken place, the junior cooperate lawyers must ensure that all the documents are put together and must compile all the documents delivered after the closing. This is a difficult task that may involve determining the right document version, the right signature page and other details that may be difficult to track. Lastly, they must find proof for certain documents and statements.