Wednesday, 17 September 2014
According to CRA every individual, partnership, corporation, organizations and trust has to keep adequate books and records. By definition records are “a thing constituting a piece of evidence about the past, especially an account of an act or occurrence kept in writing or some other permanent form.” Maintaining well-organized financial records is imperative when operating a business. Records include ledgers, journals, vouchers, financial statements and accounts, and income tax and excise tax records. They must be reliable, and supported by original documents such as receipts, bank statements, credit card statements, invoices, cancelled cheques, contracts, payroll documentation and mileage logs.
It is important to keep your records for a minimum of 6 years from the end of the last tax year to which they relate. If records are destroyed before the end of the six-year term without written permission from the CRA, you could face prosecution. Your records will help you provide support for expenses claimed on your tax return, in the event that the amounts are ever questioned by the CRA. If you do not keep adequate records or if you do not provide your documents to Canada Revenue Agency when asked, you may be penalized.
If CRA were to perform an audit of your records certain documents would be required in order to prove the amounts claimed on your income tax, GST/HST or payroll returns. Credit card or bank statements alone are not adequate supporting documentation, and neither are the merchant credit/debit receipts that show only the amount of the payment, method of payment, and vendor name. If you are intending to write-off meal receipts ensure that you use the back of the receipt to detail the purpose of the restaurant visit. In the event of an audit, CRA will typically attack your claim for meal costs, especially if they are high.
Good records will help you save time and money, and support what you have included in your tax returns in the event of an audit.
from the fast track web site http://www.fasttracktocashflow.com/importance-record-keeping/
posted by Alex W Fraser 9/17/14
Monday, 8 September 2014
Selling Cruise Value: Watch Out!
By Kelly Monaghan
One of the great things about selling cruises is that the customer pays one price and everything is included. So going in, the customer knows what he or she will be spending.
The fact is that cruises have never been truly "all-inclusive." There was the issue of port taxes, which could add hundreds of dollars to the cost of a cruise. Thankfully, these are now being quoted by cruise lines as part of the price, taking a burden off the agent.
Then there's the beverage exception. Beer, wine, hard liquor, and even soft drinks cost extra. And the prices charged for these "extras" are "competitive" with onshore bars and restaurants which means they are sold at a steep markup. Of course, teetotalers who stuck to iced tea and coffee make out like bandits under this system. (There's an idea: Target your non-drinking clients as hot prospects for cruising!)
Shore excursions are another added expense on most cruises that can add anywhere from $25 to $100 or more a day to the cost of a cruise. And let us not forget tips for the crew. My own experience is that I am in such an expansive mood by the end of a cruise that I hardly notice the extra money flowing out of my wallet.
Still, these were "standard" exceptions that most experienced cruisers understood perfectly well. And they were simple and straightforward enough for agents to explain them simply, quickly and clearly to novice cruisers. A cruise, along with the all-inclusive resort, was still a vacation product where you could very easily communicate the cost/value ratio to your customers.
Unfortunately, that's not quite as true these days as it once was.
Many cruise lines have started down the slippery slope of a la carte pricing. On Royal Caribbean's Voyager of the Seas, you will pay extra to play miniature golf, to sweat your way up and rappel down the artificial climbing cliff, to ice skate, and even for fancy coffee.
Even the time-honored cruise line lure of three (or four, or five) "free" meals a day, with their multiplicity of courses, and staggering dessert choices is no longer quite what it used to be. A major trend in cruising is the "alternate restaurant." One idea is to provide alternatives for those who don't want a seven-course, three-hour sit-down meal. Another idea is to make some money in the process. Typically that means a "cover charge" or a "mandatory tip" added to the customer's shipboard account. The "ouch factor" for those who don't pay attention can be considerable.
So what's a poor travel agent to do? Here are some suggestions:
• Educate yourself. Call your regional sales managers and ask them for a complete breakdown of all the extras, by ship, for their line. If necessary, visit the ships yourself to get a feeling for how these extra charges play out in practice so you can better advise your customers. (Rats, it looks like you'll have to take some more fam trips!)
• Educate your clients. You owe it to your clients to explain to them very carefully that some of the things they see prominently displayed in those Voyager of the Seas brochures are not included in the quoted fare. You may want to use this as an opportunity to provide value-added service to your clients by providing them with a short course in holding down cruising costs. Make it a brochure or a handout. Make it a general overview or specific to a ship or cruise line.
• Don't gloss over these extra costs. Resist the temptation to skip lightly over (or past) this issue. Presumably, the reason you might do this is fear of losing the sale or making this super vacation look less appealing. Omissions like that have a way of coming back to bite you. Better to handle it both upfront and like a pro, which bring us to . . .
• Work harder to establish the cost/value ratio. These new pricing policies makes it a little harder to establish a clear picture of the cost/value ratio for your customers. But it can -- and should -- be done. Cruising still represents an excellent value when compared to similar vacations that are truly a la carte. Those of you who have my home study course will know all about the cost/value ratio. For others, see the following article.
• Practice your skills. This added level of complexity in cruise pricing should prove no great obstacle to agents who know how to effectively present travel products and handle their customer's concerns. Those of you who have the home study course may want to review Module 3, “How To Sell Travel Like a Pro,” paying special attention to the discussion of how to handle cost concerns.
Posted by Alex W Fraser
Take care and God Bless
Alex W Fraser
Posted by Alex W Fraser
Take care and God Bless
Alex W Fraser
Tuesday, 29 July 2014
from a recent newsletter from Fred S on Puretrim products
Pure trim PRODUCT KNOWLEDGE:
In the past few weeks,we have had many Distributors ask us, what other benefits and uses are there with the Pure Trim Shakes: As a result in order for you to also learn and fully understand the many uses of Pure Trim as a Meal replacement, we decided to put them all in this Newsletter as follows:
-PURE TRIM SHAKES:
For the Weight Loss Program, take two shakes daily(Breakfast & Lunch or Breakfast & Dinner) followed by 2 glasses of water and read the 55 page Pure Trim booklet included, with each Pure Trim order.
2.Optimum Health & Maintenance-
For maintaining optimum health including weight,take one shake a day as a meal replacement followed by 2 glasses of water.
When recovering from any illness to improve digestion,provide nutrients and give an energy boost.(We recommend one to two shakes per day plus one healthy main meal until feeling stronger.
To improve skin conditions(acne,eczema,psoriasis,etc)by the addition of fatty acids,and skin nutrients such as Silica as well as by improving elimination.
For elderly people who do not seem to have the same appetite and are going without meals.The Pure Trim Shakes are full of nutrients and are very easy to digest due to the inclusion of organic vegetable proteins such as brown rice and peas,which are gentler to digest than animal proteins.
When contemplating a change in eating healthier foods while feeling the need to do a form of fast which is not juice based.The shakes are so easy to digest and encourage regularity in bowel function.(Two shakes per day plus vegetable soups for dinner for one week)
The Pure Trim shakes blend of digestive enzymes and fiber encourages proper elimination.Combine the use of one Pure Trim shakes daily with one to two capsules of Experience.Always increase your daily intake of water to aid the body's elimination and to soften the stool.
Nutritional Information about the Pure Trim Shake per Meal:
-Calories-225 per Shake -Total Fat: 8 Grams -Total Carbs: 17 Grams -Protein-21 Grams -Sugar: 1.5 Grams -Vitamins: A, C, D, E,Thiamin, Riboflavin, Niacin, B6, Folate, B12, Biotin, Pantothenic Acid, Calcium(from green plants,Sesame seeds,Kale Leaf,Spinach Leaf)Phosphorus, Iodine, Magnesium, Zinc,Selenium, Copper, Manganese, Chromium Bolybedenum,Sodium(250 mg), Potassium(370 mg)
-Protein Complex: (Non GMO Vegetable Peas and Brown rice Protein) -Mediterranean Essentail Fatty Acid Blend:omega 3/6, safflower oil, almond oil, flaxseed oil and grape seed oil, olive oil, sesame seed oil. -Prebiotic & Enzyme Blend: Fibersol 2(Soluble fiber glucose polymer complex)bromelain, guar gum, gum acacia, inulin, lipase, protease. -Mediterranean Skin & Digestion Blend: Olive leaf extract, artichoke leaf extract, grape leaf extract, pomegranate fruit extract. -Ionic Plant Trace Mineral Blend:from Ocean Plants. -Anti-Stress & Energy Blend: Green tea leaf extract, passion flower, cinnamon twig extract,greater galangal root extract, American Ginseng root extract, apple pectin, cayenne fruit, chamomile flower, citrus pectin, jujube fruit, lemon balm leaf, licorice root extract, Asian ginseng root extract, peppermint leaf, rhodiola root extract. -Skin & Digestive Blend: Olive leaf extract, artichoke leaf extract, grape leaf, pomegranate fruit extract. -Super Greens Blend: Alfalfa Leaf, asparagus spear extract, barley grass, bitter melon, broccoli floret, cabbage leaf, cauliflower floret, mate leaf, chlorella, mustard seed, nettle leaf, spirulina, gum blend, sea salt, silica, stevia leaf extract, cocoa bean.
There is No Soy, No Whey, No Dairy, No Gluten, No Aspartane and No Sucrose in the Pure Trim Shakes, which makes it the most nutritious and most healthy and satisfying meal in the market place.The Pure Trim Shakes come in a Box of 10 Meal Packages, either Chocolate or Vanilla and the New Strawberry Sorbet, and cost only $40.00 Retail.
We encourage everyone who has not yet tried the Pure Trim Shakes to order a few boxes of each Chocolate, Vanilla or Strawberry and see for yourself how good tasting they both are, as well as to how good you feel after having your Shake! To order just go to http://glengarry.puretrim.com
C.FOOD FOR THOUGHT:
THOUGHT OF THE WEEK; CHANGING YOUR ATTITUDE:FROM A TO Z, by Tom Bayer
-Allow time for yourself.
-Benefit others from your successes.
-Climb the highest pinnacle of success.
-Divide your day and conquer.
-Endow yourself and others with wisdom.
-Forgive,forget,and move forward.
-Go in the direction of win-win.
-Help others win.
-Initiate some change each day.
-Jump at the change to improve your life.
-Know that kindness is a necessity on our planet.
-Live today as today,not as a rehearsal for tomorrow.
-Master the highest levels of capacity and control so they come naturally.
-Nourish others with praise.
-Oscillate between work and rest every day.
-Play the hand you are dealt.
-Question your motives when dealing with others.
-Risk intimacy. -Smile often.
-Tally your successes each day.
-Utilize all your talent.
-Visualize your success.
-Work with the stress in your life.
-Xplore all avenues of successful service to others.
-Yield to the best way to change.
-Zip through boring work at the beggining of the day.
If you have questions in respect to the products or business of PureTrim, kindly email or call us anytime.
Be kind to yourself and to someone else, and have a wonder-FULL week!
take care and God Bless
Alex W Fraser
jars924 @ me,com
866 517 2113 or 250 338 6334
Monday, 23 June 2014
Just received this Awareness/Puretrim Newsletter from Fred Saliken, a 5 Star Director
June 23rd, 2014
PureTrim University Achievement-
Course 1:-"Expecting Success"Graduates:
At this time we would like to congratulate the following Distributors, who have completed Course One of the PureTrim University, and have become Certified and obtained their Certificate of completion. The Course One Certified Distributors are:
1.Willie Marks 2.Stephen Mickle 3.Barb Rodgers 4.Delores Wist 5.Keith Sadler 6.Wendolin Munroe 7.Sharon Saliken 8.Kathy Forbes 9.Barbara Bowens
We encourage you, if you have not enrolled or completed Course One of the PureTrim University to date, to take the time(Only 35 minutes) and become Certified. By totally mastering the content of Course One, you will greatly enhance the Success in your PureTrim Home Business.To get into the FREE PureTrim University online just log on: www.puretrimuniversity.com Also, if you have any questions on the PureTrim University, or require assistance, kindly call us at 1-306-682-2347, or email us at: firstname.lastname@example.org
Testimonial on the PureTrim LiverMaster Cleanse Program
We are pleased to share with you aTestimonial, we just received from Dr. Gold, one of our Distributors, from NY, USA.
"I've been taking most of the PureTrim products for a while, including doing the Clear twice yearly, so right along I have felt healthy, energetic, and
However I knew liver cleansing is also important. So last year, since Pure Trim Company didn't have a liver cleanse then, I bought one at a health food store. Although I finished the entire bottle, I didn't feel or see any differences.
Last month, when I'd finished my first box of Liver Master by Pure Trim (I'm now into my second box), I experienced changes way beyond my expectations in terms of elevated mood, more clarity of thinking, and in my creativity. My waist is slimmer, without doing anything different other than taking the product. As for my energy level, it's skyrocketed to where I think my friends and family are finding me annoying!
But the following is perhaps the most unusual result of all:
Up until 10 years ago I had beautiful long fingernails, but then they would not grow much anymore. So for special occasions I'd sometimes put on those artificial nails you can buy at the store, “moderate length size.” My fiancé Steve was well aware of this. While I was taking my first box of Liver Master, one day I noticed my nails were getting longer again. Recently, Steve and I were going to some event, so I went to affix the artificial nails, and noticed that my own nails were longer than the fake ones! Steve was surprised when he said my nails looked nice and I told him they are my own! I'm pleased about this beyond cosmetic reasons, as it indicates to me that something that was "off" inside my body has been improved!
I am so excited to see the great changes that have taken place on the PureTrim LiverMaster program to date, and look forward to seeing even more improvements to my health, in the 60 days remaining to complete the Liver cleanse program."
- Dr. Gold, Ph.D, LMHC, NC
We would like to thank Dr. Gold, for sharing her Life changing testimonial with us
UPDATES & REMINDERS:-For the Week of June 23rd, 2014:
A.LIVE TRAINING CALLS :
1.Business & PureTrim Product Training: Toll Free Call with our Organization-Hosted by Fred & Sharon Saliken- Date & Time:Tuesday, June 24th, 2014, at 9:00 P.M. Eastern &, 8:00 P.M-Manitoba, 7:00 P.M.-Central-Sk, 7:00 P.M Mountain-Alberta & 6:00 P.M.-Pacific-BC Toll Free Call # 1-866-809-6529
access code 7254536#.
-Topic- Month end closing Tips, and the all New PureTrim University Training. Note: We ask that you be on your computer and logged into prior to the call.
We also will have a question and answer segment on the Products and Business as well.
2.Advanced Training,on New DVD Tool Hosted by Gord Allcock, Founding Member-on Wednesday, June 25th, 2014, 2014-9:00 P.M. Eastern-Call in # 1-212-461-5860, Pass code: 6705#
Topic-"Special Live Training-6th Edition- on utilizing the New DVD Tool in your Business" with Co-Host- Dr. Marc Tahiliani
3.Advanced PureTrim Business Training, Hosted by Gord Allcock, Founding Member- on Saturday, June 28th, 2014-12:00 Noon Eastern-Call in # 1-212-461-5860, Pass code: 6705#
B. PRODUCT INFO:
Celiac Disease, & the PureTrim Shakes:
Special diets that totally exclude the protein gluten are essential for people who have celiac disease.This condition,caused by a sensitivity to gluten,is a hereditary defect that usually shows up at an early age.
In those affected, gluten damages the lining of the small intestine, leading to impaired absorption of nutrients.Symptoms can include diarrhea,bloating,weight loss,and anemia.Scrupulously avoiding foods that contain gluten can quickly reverse the symptoms.Gluten is present in wheat, rye, and to a lesser extent in barley and oats, and all processed foods that contain any of these cereals, so it is necessary to read food labels scrupulously. Alternative sources of energy and nutrients include beans, rice, potatoes, corn, nuts and "Pure Trim".Yes, Pure Trim full fledge meal replacement is an excellent meal for anyone suffering from celiac disease, because of the content of the meal using NON-GMO Vegetable Pea and Organic Brown Rice for Protein base in the Chocolate and Vanilla Flavors and Strawberry Sorbet which also includes Organic Lentil and Organic Flaxseed, and all flavors have no wheat at all, and 100% Gluten-FREE.
Negative Calorie Food:
No foods contain negative calories-that is,burn more calories in being digested,than it actually provides itself. However, foods such as celery, contain so few calories that you can eat as much as you like, without putting your weight-control program at risk.
The “Pure Trim” shakes only contain the following calories per Full meal packet-
Strawberry Sorbet- 225 Calories
The above Full Meals also include: 21 Grams of Protein, 400 mg of Plant source Calcium, Prebiotics, Essential Fatty Acids and a Super Raw Anti-Aging Greens blend. To Sharon and I,
the PureTrim Shake is the most perfect Full Fledge Meal, that you can give your body each and every day, at a Retail cost of only $4.00.
Be kind to yourself and to someone else, and have a Wonder-FULL and most Successful week.
In Love and Light,
Peace & Prosperity,
Fred Saliken(Certified Nutritionist) & Sharon Independent Lifestyle Health & Business Coaches & 5 Star Directors, PureTrim
posted by Alex W Fraser, Courtenay, BC
jars924 @ me.com
learn more request a copy of this DVD to watch>>
Tuesday, 27 May 2014
Japanese manufacturers collaborate to increase fuel efficiency, aim for 30% improvement by 2020
The eight largest Japanese car manufacturers – Toyota, Nissan, Honda, Suzuki, Mazda, Daihatsu, Subaru and Mitsubishi – have set up a collaborative organisation, Research Association of Automotive Internal Combustion Engines (AICE), with an aim of improving the fuel efficiency of their petrol and diesel internal combustion engines by 30% by the year 2020.
Despite these manufacturers pumping a lot of resources into the development of electric and alternative fuel powertrains, the creation of AICE is an admission that traditionally-powered cars will remain in widespread use for a lot longer, particularly in developing markets.
for rest of article go to http://paultan.org/2014/05/27/japanese-manufacturers-collaborate-fuel-efficiency/
take care and God Bless
- Alex W Fraser
- Courtenay, BC
Wednesday, 21 May 2014
Saturday, 3 May 2014
The New PureTrim LiverMaster Program
Here is a few Testimonials that we recently received from our Members and Customers who have just started on the PureTrim Liver Master Program:
-"I had a major concern with high levels of blood sugar to the point that my Doctor wanted to put me on Insulin Shots, in a matter of weeks.
I took Fred & Sharon's advise and went on the PureTrim LiverMaster program, and in one weeks time my Blood Sugar went from 18 to 6.8 reading, and has remained constant for the past week. I am so excited, as I tried everything from watching what I ate, to exercising, and nothing was working to lower my blood sugar, till I went on the LiverMaster cleanse. For me the LiverMaster program is a God's sent, as I now do not have to go on Insulin shots that my Doctor was recommending a month ago."- Leasa- Retired Teacher- Brampton, Ontario
-" I started on the PureTrim LiverMaster program after attending Fred & Sharon's Live Health Seminar on April 24th, and hearing how the LiverMaster program works in cleansing and supporting the Liver, Thyroid and Pancreas. Yesterday, being April 29th I weighted myself and to my astonishment, I have
lost 8 lbs in just 5 days. I also have noticed how much better I am feeling each day since starting the program" Nyla-Business Owner-Saskatoon, Saskatchewan.
"We would like to thank Leasa and Nyla for sharing their Testimonials, and if Leasa and Nyla can do it, we can do it too!
From Fred Salken PT Newsletter
A quick preview of what this is all about go to
Enjoy better health
Education comes in many forms
take care and God Bless
Alex W Fraser
866 517 2113 or jars924 @ me.com