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Five Tips to Survive an Economic Crisis | Hoyes Michalos

Every week our team meets with people across Ontario who are experiencing debt problems . We hear first hand stories about how hard it is to remain financially afloat when you are living paycheque to paycheque. Here’s what we’re hearing: I am unable to get a reasonably priced loan for a car; I can’t buy a home because I can’t save the down payment; I no longer work overtime so can’t meet my bill payments anymore; I lost my job, can’t pay my bills , and may lose our home. I meet many people who are on “work share”, where they work two or three days a week, and draw unemployment insurance during their down time. I meet with people carrying two and three jobs in order to stay ahead. For years we have been using our homes as an ATM machine. We would build up credit card debt , then re-mortgage our home to pay it off. We even saw one couple that did it five times in five years. They tried one last time, and the bank said “no”. Their incomes had fallen, and their house w
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The cheapest and most expensive places to ski in Europe

If you’re craving some time on the slopes in Europe , there’s still plenty of time left to fit in a trip this ski season. Or, if you’re super organized and looking to next year’s season, you may be wondering just how far your dollars will go. Ski trips can be expensive, even if you manage to find a cheap flight to your snow destination. The U.K. Post Office publishes an annual survey of the most expensive and the most affordable ski resorts in Europe. It looks at the costs for a week of skiing across 30 popular European resorts, comparing the costs of items like lift passes, equipment hire and daily food and drinks on the slopes. Accommodation is excluded, as the costs can vary wildly even at the same resort. Flight costs are also excluded from the survey. If you’re looking to save some pennies, or splash out, here are the two ends of the spectrum when it comes to cost options for 2020 — plus read how to plan your trip with points and miles here . Mo
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What's ahead for the economy and markets in 2020?

Article recommended by Tony Abi Saab Economists, executives and investors are reading the 2020 tea leaves with heightened scrutiny in an effort to divine what this year holds for the U.S. economy and for ordinary Americans. Here are the events they say are most likely to impact and potentially reshape our economic trajectory. Economists say if the 2020 election leads to a divided government like the current one, little will change in a meaningful way for businesses and investors. If a single party ends up controlling the White House and both chambers of Congress, though, the economic impact could be greater. “Equity markets have traditionally performed better under Democrats than Republicans when you average it out on a long-term basis, which defies what most people believe are facts but… financial markets are terrified of the far left wing of the Democratic party,” said Joseph Heider, president of Cirrus Wealth Management. “If Elizabeth Warren or Bernie Sanders look like they
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The world needs business to step up and reclaim its higher purpose

Tony Abi Saab has already set his 10 years sustainable development goals, how about you? Should a company’s responsibility begin and end with shareholders, or extend to customers, communities, and the environment? While hardly an original question, last year saw a renewed focus on debate around the purpose of business — and with sustainability already in the January headlines, from fires in Australia to new figures on climate change, expect it to be a major topic for business leaders in 2020. We now have just 10 years to achieve the Sustainable Development Goals (SDGs), the UN-designated blue-print of a sustainable future. Fortunately, business is ready to embrace the challenge. According to HSBC’s Navigator research, 75 per cent of UK businesses recognise their role in achieving the SDGs — higher than any other European country, and significantly above the global average of 63 per cent. This matters, because the world needs the business community’s help. Global progress
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TikTok expands content rules, cracks down on misinformation

Tony Abi Saab found that this article might interest all the TikTok users, check it below: What’s new: TikTok’s updated community standards are three times the lengthof the old guidelines. The platform has defined 10 issues that its content policies address, including: Dangerous individuals and organizations Illegal activities and regulated goods Violent and graphic content Suicide, self-harm and dangerous acts Hate speech Harassment and bullying Adult nudity and sexual activities Minor safety Integrity and authenticity Threats to platform security Be smart: While TikTok’s old guidelines addressed many of these areas, the new rules go into much greater detail. For example, the company published a lengthy list of who it considers to be dangerous individuals and organizations that can’t use its app, including groups affiliated with hate, extortion, organ trafficking, cybercrime and extremism. And in doing so, it defined what it considers to be a terrorist organ
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Tony Abi Saab this week Suggestion: Toyota plans to build ‘city of the future’ with housing, robots and autonomous vehicles in Japan

Toyota plans to build a “prototype city of the future” on a 175-acre site at the base of Mt. Fuji in Japan to test and develop new emerging technologies such as autonomous vehicles. Akio Toyoda, president of the automaker, described the “Woven City” as a “living laboratory” that will include thousands of residents and will test autonomous vehicles, robotics, personal mobility, smart homes and artificial intelligence in a real-world environment. “Imagine a fully controlled site that will allow researchers, engineers and scientists to freely test technologies,” he said Monday night when announcing the plans in conjunction with the CES technology conference in Las Vegas this week. “This will be a truly unique opportunity to create an entire community or city from the ground up.” The company did not announce a cost or timeframe for completion of the project, which plans to break ground in 2021. A Toyota spokesman did not immediately respond for comment. The
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9 Unconventional Habits That Supersede All Others - Period! - Recommended by Tony Abi Saab

 Image credit: Jetta Productions | Getty Images Tony Abi Saab is pleased to share with his reader this interesting article, originally published at https://www.entrepreneur.com on January 13, 2017. Opinions expressed by Entrepreneur contributors are their own. We’ve all read a hundred and one posts on habits. The lists look pretty much the same and talk about similar ideas. This list I have for you is very different. It’s the habits I’ve compiled from many millionaires and that I’ve practiced and executed myself, so I know they work. No rah-rah, quit-your-job and look-at-how-awesome-I-am talk. Just cold, hard habits that will hopefully scare the pants of you and make you take action. Adopt one of these habits, and you’ll see a significant change. Adopt them all, and you’ll probably join the billionaires club at some point in your life. Read the list of habits, laugh, and say maybe next year, and I’m willing to bet you will remain unfulfilled. The choice is yours. I’m h
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