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  • Seven weeks working ‘pro bono’ with a charity

    • January 22, 2016
    • Posted by: Brian Poncelet
    • Category: Approved, Business plans
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    Growth through innovation/creativity. Rather than be constrained by ideas for new products, services and new markets coming from just a few people, a Thinking Corporation can tap into the employees.

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  • A digital prescription for the pharma industry

    • January 22, 2016
    • Posted by: Brian Poncelet
    • Category: Approved, Business plans
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    Supported by a robust sales force and tight cost controls, Pharm Ltd. experienced sustained double-digit growth over a number of years, only to find that their supply chain struggled to keep pace. In particular, the initial state of the company’s sales.

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  • Harvest great ideas from your company’s best assets

    • December 25, 2015
    • Posted by: Brian Poncelet
    • Category: Approved, Competitive research
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    In particular, the initial state of the company’s sales and operations planning capabilities limited their ability to account for demand variability or raw material lead times in production and distribution. Improve sales and operations and production planning.

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  • Why you should have written goals

    • May 10, 2015
    • Posted by: Brian Poncelet
    • Category: Disability Insurance, Life Insurance, World News Insurance
    No Comments

    I would like to credit Forbes (Ashley Feinstein) for this story. http://www.forbes.com/sites/85broads/2014/04/08/why-you-should-be-writing-down-your-goals/”> There was a fascinating study conducted on the 1979 Harvard MBA program where graduate students were asked “have you set clear, written goals for your future and made plans to accomplish them?” The result, only 3% had written goals and plans, 13% had

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  • Why Critical Illness insurance is so important

    • March 1, 2015
    • Posted by: Brian Poncelet
    • Category: Approved
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    CI testimonial Every day in our business www.halton.medichair.com we see firsthand how an illness or injury can affect your life and that of your family. We never expected this to happen to us, but Kristin and I are so very thankful that with Brian’s helpful advice we made the decision a long time ago to

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  • Why NHL players are like us.

    • January 14, 2015
    • Posted by: Brian Poncelet
    • Category: Approved, Life Insurance
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    Question what is the average NHL average career? Answer… 5.5 years! Where do most hockey players get their financial advice? Many times its from other ex-hockey players. What do young players do? They buy cars, houses cottages etc. Problem is time is limited and so is money! With real estate buying the biggest home on

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  • The 5 C’s of Credit…credit worthiness

    • November 11, 2014
    • Posted by: Brian Poncelet
    • Category: Annuity, Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance
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    Here is the 5 C’s of credit worthiness: 1. Character What is the history of past repayment of debt. 2. Capacity Can they afford it? See GDS and TDS ratios 3. Capital Really net worth..like house (less mortgage, line of credit) 4. Credit Credit bureau and current debt levels 5. Collateral Can the debt be

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  • TDS ratio (total debt service ratio)

    • November 10, 2014
    • Posted by: Brian Poncelet
    • Category: Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance, World News Insurance
    No Comments

    What is the TDS and what does it mean? A debt service measure that financial lenders use as a rule of thumb to give a preliminary assessment of whether a potential borrower is already in too much debt. More specifically, this ratio shows the proportion of gross income that is already spent on housing-related and

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  • How to figure out: Your GDS (gross debt ratio)…what you need to know before buying a house

    • November 9, 2014
    • Posted by: Brian Poncelet
    • Category: Approved, Life Insurance
    No Comments

    So you want to buy a house? Here is some numbers you need to know first. Gross income Mortgage payment Property taxes Formula is Mortgage payment + Property taxes + heating cost (or 50% of condo fees) ————————————————————————— Gross Income Here is an example: Mortgage payments $1360/ month ($16,320/year) Heating $2,000/year Property Taxes $4,600 Gross

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  • www.Ratesupermarket.ca Insurance riders what are they?

    • September 28, 2014
    • Posted by: Brian Poncelet
    • Category: Approved, Life Insurance
    No Comments

    What are Insurance Riders? Do You Need Them? Here is a link to a blog I helped with on www.ratesupermarket.ca “What is an Insurance Rider? An insurance rider is optional coverage you can add to your policy. “An insurance rider is really enhanced coverage or benefit to the policy holder for a cost above the

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