Archives for: 2011
The Debt Ceiling Crisis in Everyday English
Check out the WiseBread website for a recent post about the debt ceiling crisis in the United States.
The Government of Canada's Aboriginal Portal features an online, interactive tool to help you find different types of funding available specifically for Aboriginal peoples in Canada.
Click here to access the Aboriginal Funding Tool.
The Provincial Mediation Board's Credit Counseling and Debt Management Services can help you find solutions to your debt problems. For more information, please visit the Credit Counseling and Debt Management Services website.
Get Credit Smart
The Squawkfox and Wise Bread websites are jam-packed with ideas for how to live a good life within your means!
Save $500 a Month
Save An Extra 8% Per Year
Slash Your Grocery Bill
GENERAL MONEY MANAGEMENT
Are You Saving As Much As the Average Canadian?
Emergency Fund – How Much Should It Be?
Got a Short-Term Savings Goal? Here’s Where to Put Your Money
Increase Your Insurance Deductibles
Pay Yourself First vs. Draw Up a Budget
Saving for Your Child’s Education
Using Software to Track Spending
Visualize the Payoff
HOME BUYING & SELLING
The Saskatchewan Real Estate Commission is an independent, non-governmental agency responsible for the regulation of the real estate industry. The Commission is mandated to protect consumers and to provide services that enhance and improve the industry and the business of industry members.
Make Extra Mortgage Payments
Build a GIC Ladder
GICs vs Bonds
Safety in GICs
When To Use a Tax-Free Savings Account
Library magazines & newspapers:
Investor's Digest of Canada
How Much Money Will I Need to Retire?
Reduce Your Retirement Needs
Reinvest to Ramp Up Your RRSP
Smart Ways to Use Spousal RRSPs
What’s A Realistic Savings Goal?
The Canada Revenue Agency’s (CRA) Community Volunteer Income Tax Program helps eligible individuals who are not able to complete their income tax and benefit returns by themselves. Find out if you’re eligible but visiting the CRA’s website.
Double Your Tax Savings
TEACHING CHILDREN ABOUT MONEY
Sesame Street has created a series of videos including: Learning to Save, Learning to Wait, Making Choices and Job Song!
You have a product and a venue, and you’ve done your research - now you need customers and a profit! Consider the following:
• How will you brand your product or service?
• What is your advertising budget?
• Should you use social media?
Advertising Guidelines for Small Retailer Firms
Association of Canadian Advertisers
Canadian Marketing Association
Canadian Public Relations Society
Marketing and Sales
Marketing Checklist for Small Retailers
Market Research & Company Information
Location, location, location!
There are many things to consider when selecting a location for your business.
• Is the area zoned for retail business?
• What will your property taxes be?
• How much space will you need?
City of Regina Assessment & Tax
City of Regina Bylaws
Store Location – “Little Things” Mean A Lot
What legalities do you need to follow as a business? Here are some things to consider:
• Has your business been registered with various levels of government?
• Do you have a Business Number for taxation and payroll purposes?
• Do you need any special permits?
The Saskatchewan Government’s BizPal website is especially helpful for determining which permits and licenses you will need for your business.
Information Services Corporation (ISC) is a Crown corporation in Saskatchewan responsible for registries. Its website contains useful information about regulation and registration for businesses.
Consulting a lawyer will ensure that you correctly follow the steps to making your business legal. The Canada-Saskatchewan Business Service Centre's Guest Advisor Program allows you to speak with a lawyer or business consultant for 30 minutes free of charge!
Business Name and Registration
Canadian Intellectual Property Office
Legal Issues in Starting a Business
Regina and Area Agencies Providing Licenses and Government Information
Saskatchewan Electronic Tax Services
Saskatchewan Provincial Sales Tax Vendor's License & Business Assets Declaration forms
Butterworths Wrongful Dismissal Practice Manual
Canadian Labour Arbitration
O'Brien's Encyclopedia of Forms
Preparing Your Corporate Tax Returns
You will need to decide how much money is needed to open and operate your business. Financing may come from a variety of sources including a financial institution, government agencies such as the Business Development Bank of Canada, or charitable groups like the Canada Youth Business Foundation.
The Canada-Saskatchewan Business Service Centre's Guest Advisor Program allows you to speak with an accounting advisor for 30 minutes free of charge!
Canadian Venture Capital Association
Dealing with Your Banker and Other Lenders
Financial Consumer Agency of Canada
Financing Your Business
Lending – The Basic Criteria
Saskatchewan Angel Investor Network
Small Business Loans Association
SME Benchmarking Tool
Canadian Directory of Foundations and Corporations (contains information on over 2,200 Canadian grant-making foundations and over 150 American foundations with a history of granting in Canada). Note: In-Library use only.
Financial Services Canada
Your business plan is an essential point of reference for your business that:
• Defines your business
• Analyzes your market
• Explains your finances, and much more!
Business Plan Guide
Business Planning (includes templates & samples)
Regina Business Planning Competition
Gale Virtual Reference Library (includes an electronic version of the Business Plans Handbook)
Small Business Resource Centre (click the “Sample Business Plans” button)
The Right Business for You
WHAT KIND OF BUSINESS DO YOU WANT TO START?
• Sole proprietorship
• Corporation, or
Forms of Business Organization – Canada Business
Forms of Business Organization – Enterprise Saskatchewan
ARE YOU STARTING YOUR BUSINESS FROM SCRATCH?
This is a risky option but it allows the most freedom in terms of how the company will develop. Taking the time to develop a sound business idea is essential. Here are some things you should consider:
• Is your idea original?
• Will people pay for your product or service?
• How do you promote and distribute the product or service?
• What are the benefits & challenges?
Developing Your Ideas
DO YOU WANT TO BUY AN EXISTING BUSINESS?
This option may offer an existing client base and venue, but before proceeding, you must ask yourself a number of questions:
• Why is the business for sale?
• What is the business worth?
Buying a Business – Canada Business
Buying a Business – Enterprise Saskatchewan
WHAT ABOUT A FRANCHISE?
A franchiser can supply a product or service as well as training and other support to a franchisee. Other questions to consider:
• How do I find a franchise to own?
• What are the terms of the franchise contract?
• How do I franchise my existing business?
Canadian Franchise Association
Checklists for Franchisees
STARTING A HOME-BASED BUSINESS?
Is working from home an option for you? Here are some things to consider:
• Do you have a designated work area in your home?
• Do you have all of the necessary permits and licenses?
City of Regina Home-Based Business Zoning Approvals & License Application
Expansion of Your Home-Based Business
Home-Based Business in Saskatchewan
Being an entrepreneur can be exciting but unpredictable. Is this the lifestyle for you?
Feasibility Checklist for Starting a Small Business
Is Entrepreneurship for You?
Points to Consider When Starting Your Own Business
How Do I Start a Business in Regina?
Your first step is research!
The Canada Business, Enterprise Saskatchewan, and Information Services Corporation websites, along with the numbered subheadings to the left can help you get started!
You can borrow books, magazines & DVDs on a wide variety of business topics free of charge. Just bring two pieces of ID to any Regina Public Library location for your free Library card!
Want to read business information online? No problem!
With your Library card, get free access to a wide variety of electronic databases with information from Canadian, U.S., and international sources including:
Canadian Directory to Foundations and Corporations
This database contains information on over 2,200 Canadian grant-making foundations and over 150 American foundations with a history of granting in Canada.
Note: In-Library use only.
Consumer Reports Online
ConsumerReports.org provides ratings and reviews, recommendations and buying advice across several franchises. Each product includes an overview and a ratings report card, as well as tester reviews & recommendations.
Gale Virtual Reference Library
Access the Encyclopedia of Business and Finance and the Business Plans Handbook through the Gale Virtual Reference Library. The Business Plans Handbook contains actual business plans compiled by, and aimed at, entrepreneurs seeking funding for small businesses.
Read eBooks or listen to audiobooks on your computer or mobile device! Titles include: 78 Tax Tips for Canadians for Dummies, 101 Secrets to Building a Winning Business, and The First-Time Manager.
Check out this information to help you get started with eBooks and audiobooks!
Read today's newspapers in full-color, full-page format! PressDisplay has more than 400 newspapers from over 65 countries in over 35 languages. Up to a 60 day archive is available.
Note: Only a limited number of concurrent users are allowed on at one time so please log off when you are finished.
Click here to view our other business databases.
Meeting rooms are available for rent at most Regina Public Library locations. Rooms can be booked during the Library's hours of operation. Rooms are booked on a first come, first served basis. For general inquiries, call 306-777-6000 or send us an email message.
Internet, Computer & Scanning Services
At the Regina Public Library, use of computers is FREE with your library card! Many workstations are equipped with internet access and a range of software including Microsoft Word, PowerPoint and Excel. Each Regina Public Library location also offers scanning services in JPG or PDF format.
Click here to make a reservation to use a computer.
Before using the computers, please read our Library Internet Access Policy.
Business Agencies in Saskatchewan
Small Business Internship Program
Are you taking advantage of the possibilities offered by e-business? Industry Canada's Small Business Internship Program seeks to improve the competitiveness of small or medium-sized businesses by supporting them to actively market on-line and improve their competitiveness with e-business practices and technologies.
For more information and to apply, click here!
Spin Master Innovation Fund
The Canadian Youth Business Foundation, (CYBF) has teamed up with one of Canada’s most innovative companies, Spin Master Ltd., to launch a new program, aimed at young entrepreneurs with big ideas.
The Spin Master Innovation Fund is offering 10 valuable start-up packages that provide up to $50,000 in seed capital and the customized support needed to transform an innovative idea into a booming business. The official program launch is April 27th.
To learn more, visit: www.cybf.ca/innovation
Canada Get Your Business Online!
If you’re a business owner without a website, you probably have a good reason for it. Maybe you thought it was too expensive or took too much time? Maybe you were overwhelmed by the technology and didn’t know where to start?
Canada Get Your Business Online is a new program that provides businesses a fast, free, and easy way to get online.
Here’s what you get:
* Free, easy to build website
* Free web address
* Free advice and resources
Click here to get started!
Business Start-Up Financing from CYBF!
The Canadian Youth Business Foundation (CYBF) offers financing opportunities for your business:
Start and Grow with up to $45,000
-Qualified entrepreneurs could be offered up to $45,000 in financing based on character and a great business idea, not collateral.
Starting up: Get up to $45,000 in start-up financing!
-Eligible young entrepreneurs could be provided with start-up financing of up to $15,000, with flexible three to five year repayment terms. CYBF approved applicants have access to two Business Development Bank of Canada (BDC) dollars for every one CYBF dollar. That’s a total of up to $45,000 in seed capital with one application!
Growing the Business: Expansion financing up to $30,000
-Once entrepreneurs have launched their business, supplementary financing may be required to grow or expand it. CYBF offers qualified entrepreneurs, who have been in operation between 36 to 60 months, with expansion financing of up to $30,000 with one application.
For more information and to apply for financing, contact the CYBF!
Create Summer Jobs for Students
Canada Summer Jobs 2011 is a Government of Canada initiative that provides funding to help employers create summer job opportunities for students.
The program is focused on encouraging not-for-profit organizations, public sector employers and small businesses with 50 or fewer employees to create jobs that not only meet their needs, but also benefit students looking to gain work experiences.
For more information, call 1-800-935-5555 or check out the Service Canada website.