General Adulthood, Planning for the Future: Business, College, Budgeting, Investments, etc! $$$ - General

[QUOTE=Alsojames;51929270]How do I convince my girlfriend that buying a condo in Toronto is a bad idea? For anyone who doesn't know, housing prices in Toronto are stupidly high. Any kind of decent one will run you $400k+, which comes to $1300/month plus maintenance fees just to have a place to live, and that's if you're okay with being in debt for 20 years. She's obsessed with the idea of having a condo, specifically one with minimum 1 bedroom+den, but ideally 2 bedrooms so she can have her own massage therapy practice. Ultimately, I think it has something to do with her falling behind in life (she's 28 and going to college for a second time for massage therapy; she did music previously; never had much of a career as far as I know), so she's trying to catch up in a really short amount of time. Her older brother and sister have condos and her mother is pushing condo buying, so that isn't helping. I'm only 21, planning on moving out by the time I'm 23, and the idea of being that in debt for basically my current lifetime-again freaks the ever loving shit out of me. If we split it 50/50 it wouldn't be too out there, but again, that's 20 years of debt and I doubt we'd live in the same place for that long, and we both have student loans to pay for (her twice over) plus everything else involved in living by yourselves. I think she's slowly warming up to the idea, but it's still something that's there. She seems to have her whole life planned out and from what I can see it involves a lot of debt. [sp]We've only been together 8 months and we're already talking about moving out. Yipes![/sp][/QUOTE] I would personally be wary of putting stuff down for a long-term financial commitment like this, especially if it involves a lot of debt. I can understand the attractiveness of running your home business from home but it's going to be super hairy for the first couple of years - my father's business started out as a run-from-home business in 2005 and it's only been since 2010 that he's actually started making profit and expanding. He also had loads of money saved up for this - I don't think your girlfriend's idea is viable, unfortunately. That being said I don't know much about her career path or the Canadian market.

Also running a licensed businesses out of a residential property is often illegal depending on if your business meets the requirements to need to be in a commercial zone or is able to be in a residential zone. Idk how or if Canada makes the distinction on that one. I know locally here the city deems it by if your business requires a public front such as a retail floor, etc. And a licensed medical practice, even for physical therapy has to operate out of a commercially zoned building and adhere to proper health codes which cannot be met if there's people living in that space. Also buying a condo is a huge scam imo, don't do it. What if you guys break up? You're stuck with half the debt on a condo you won't even get to see or use. You're risking your entire financial stability on something you could be fucked out of even getting to use. Beyond that if I needed physical therapy and the therapist's office was in a condo I wouldn't be their patient for a long list of reasons. It's a really bad marketing move. It's like a taxi cab that has a fucked up front end like it was in an accident, you're going to not use that cab company, appearances for a business are everything.

Does anyone have any recommendations for books to read on how to improve your skill at sales?

[QUOTE=HumanAbyss;51937517]Does anyone have any recommendations for books to read on how to improve your skill at sales?[/QUOTE] What kind of sales are we talking about?

[QUOTE=siviz4;51937733]What kind of sales are we talking about?[/QUOTE] Well I sell insurance so I don't know if that's the answer you were looking at. The scenario I feel I need to improve my sales skills for is as follows When a customer comes into our office and is relatively well covered, pushing a higher level of coverage is very hard, and I find myself occasionally stumbling with the sales pitch on the coverages/product. I'm aiming to go into commercial insurance which means I will deal with business owners and the like and will be trying to meet their needs more so than directly telling them what they need.

Anyone have any experience making money from investing, like real estate investment? I really don't want to do the job I'm working right now until I actually get to retirement age and I don't really want to get saddled with the long term debt that comes with college.

[QUOTE=HumanAbyss;51937781]Well I sell insurance so I don't know if that's the answer you were looking at. The scenario I feel I need to improve my sales skills for is as follows When a customer comes into our office and is relatively well covered, pushing a higher level of coverage is very hard, and I find myself occasionally stumbling with the sales pitch on the coverages/product. I'm aiming to go into commercial insurance which means I will deal with business owners and the like and will be trying to meet their needs more so than directly telling them what they need.[/QUOTE] Do you take notes during the meeting or use any other sales tool, like a catalogue or a company-provided tablet?

[QUOTE=Durandal;51938287]Anyone have any experience making money from investing, like real estate investment? I really don't want to do the job I'm working right now until I actually get to retirement age and I don't really want to get saddled with the long term debt that comes with college.[/QUOTE] Haven't picked up my first property yet (and won't be able to for a couple of years at this rate :[ ) but that's kind of my wheelhouse. I'm involved in real estate professionally, have read tons of books, attend investment clubs, blah blah blah. Is there anything in particular you're looking for help understanding?

[QUOTE=Big Dumb American;51938298]Haven't picked up my first property yet (and won't be able to for a couple of years at this rate :[ ) but that's kind of my wheelhouse. I'm involved in real estate professionally, have read tons of books, attend investment clubs, blah blah blah. Is there anything in particular you're looking for help understanding?[/QUOTE] I was toying with the idea of doing wholesales to start out, see how I do with that and if I get enough capital from doing that I'd move into doing rentals without needing a mortgage on the property as well (that way I will be making the most out of it). The main thing I'm concerned about is the best way to start out, secure money, and keep myself covered legally. I will admit I haven't read any books at all yet on the subject, what are some good books I should read?

[QUOTE=Durandal;51938340]I was toying with the idea of doing wholesales to start out, see how I do with that and if I get enough capital from doing that I'd move into doing rentals without needing a mortgage on the property as well (that way I will be making the most out of it). The main thing I'm concerned about is the best way to start out, secure money, and keep myself covered legally. I will admit I haven't read any books at all yet on the subject, what are some good books I should read?[/QUOTE] I'll close off this post with a previous post I made on a few good books to introduce you to real estate investment. I've got to admit that I'm not quite as familiar with the mechanics of wholesaling as I am with buy-and-hold investment properties, or even real estate "fix and flip" trading. That said, all forms of investment and trading in real estate do require being able to find deals that work within your profit margins. A typical rule of thumb for buy-and-hold investments stipulates that you should purchase a property for about 20% below market value. Fix-and-flips require higher margins, since they generally hold a higher risk and greater initial investment in terms of repairs -- somewhere between 30-40%. By extension, to operate as a wholesaler, you would need to be able find deals that not only work for the investors' and traders' margins, but leave enough extra room for [I]you[/I] to profit as well, and in a sufficiently enough to stay ahead of your overall operating expenses. This definitely isn't impossible, given that many people operate very effectively in this market, but it does represent a significant challenge. Wholesaling demands a very active, high-level lead generation effort. I would definitely recommend digging deeper on the subject if it's something you're truly interested in, however! Reach out to some other local wholesalers and see how they do it. Check out bigger pockets, and look for investment clubs in your area that you could attend. Network, ask questions, soak up as much info as you can. If you do attend investment clubs and such, [I]be wary[/I] of "free seminars" on the [I]"secrets of flipping/investing/wholesaling!"[/I] They [I]might[/I] be worth checking out, but they are very often thinly veiled sales presentations designed to exploit naive new real estate investors into purchasing extremely expensive training and mentorship packages. [QUOTE=Big Dumb American;49975256]Rich Dad Poor Dad itself is basically just a gateway book. It offers a philosophy of money and work (admittedly, it gets a bit preachy and political at points, but the overall concepts are solid) more than a solid action plan. Rich Dad Poor Dad piqued my interest in real estate investing, and it was through reading many other books that I started to actually learn the specifics and started putting together an actionable plan. For real estate investing, the four books I would most highly recommend are: 1) [U]Rich Dad Poor Dad (by Robert Kiyosaki)[/U] [I]Like I said, it's a gateway book. Offers a broad look at money and work and the mindset of entrepeneurs and investors and the philosophies of money and work. While there are few specifically actionable plans, this book is essential for building a strong foundation. The followup book "Rich Dad's Guide to Investing" is also a fantastic read that starts focusing more specifically on investments, including stocks and bonds.[/I] 2) [U]The ABC's of Real Estate Investing (By Ken McElroy)[/U] [I]This book builds upon the foundation provided by Rich Dad Poor Dad with some specific information about a variety of important subjects to real estate investors, such as an overview of property analysis, negotiation, minimizing tax obligations, and asset protection. It is fairly broad in scope meaning it doesn't offer many [U]specifically[/U] actionable plans, but understanding the full field of what you need to learn and be aware of as a real estate investor is crucial, and this book is great for that![/I] 3) [U]The Book on Rental Property Investing (by Brandon Turner)[/U] [I]Now we're getting down to the meat and potatoes! This book break down all the specifics of rental property investing, including detailed explanations of all the different kinds of properties, how to do a thorough financial analysis of a property, all the steps of the purchasing process, and even several different outlined strategies for wealth generation on a year-by-year basis. The previous two books build a foundation and a border, this one one erects the structure. To stick with my awkward construction metaphor. Brandon Turner has a couple of other books on real estate investing that are well worth your time, as well, including one on "fix and flip" real estate trading, and another on "No and Low-Money Down" real estate investing, for those looking to get their start without a lot of cash on hand. They are all extremely well written, easy to follow, and packed to the brim with fantastic and actionable advice and investment strategies.[/I] [U]4) Loopholes of Real Estate (by Garret Sutton)[/U] [i]Acquiring properties and generation positive cashflow is the cornerstone of real estate investments, but you must protect your assets! We lived in a highly litigious society, and for any longterm investor it is not a matter of IF you will be sued, but when. "Loopholes of Real Estate" offers a thorough explanation of the various strategies, tools, and legal benefits associated with real estate investing that can be used to help maximize your cashflow, minimize your liability, and protect your assets. Getting into real estate investing without knowing the concepts described in this book is just inviting trouble![/i] I've read a dozen or so other books on the subject as well, and all of them have offered some fantastic information, but these four are excellent introductions to the field. However, if you're just looking for a quick explanation of what a rental property investor does and looks for, I can offer a pretty oversimplified explanation: they look for great deals on properties, crunch the numbers to determine whether they can rent it at a wide enough margin compared to the expenses of the property to make it a sound cashflow investment, and the purchase that property and begin finding tenants for it if all looks well. The basic concept is simple enough, but succeeding at it does require a certain degree of education, experience, and preparation. That said, I think damn near anybody could become competent enough with the basics with just a couple months of dedicated self-study.[/QUOTE]

[QUOTE=snookypookums;51938293]Do you take notes during the meeting or use any other sales tool, like a catalogue or a company-provided tablet?[/QUOTE] When I start doing commercial, yes I will for sure have a huge variety of notes that I will be taking down

[QUOTE=HumanAbyss;51937781]Well I sell insurance so I don't know if that's the answer you were looking at. The scenario I feel I need to improve my sales skills for is as follows When a customer comes into our office and is relatively well covered, pushing a higher level of coverage is very hard, and I find myself occasionally stumbling with the sales pitch on the coverages/product. I'm aiming to go into commercial insurance which means I will deal with business owners and the like and will be trying to meet their needs more so than directly telling them what they need.[/QUOTE] An interesting one for you might be [I]"[URL="https://www.amazon.com/Challenger-Sale-Control-Customer-Conversation/dp/1591844355"]The Challenger Sale[/URL],"[/I] which delves into a sales method that could be highly applicable to your field. The book identifies several loose groups of sales personalities, and breaks down their effectiveness using a variety of data. It identifies the strengths and weaknesses of those particular personalities, and categorically ranks them in order of lowest average performance to highest average performance. What the book identifies as the highest performing type of sales personality is the "Challenger Salesman." The general outline of a Challenger Salesman is relatively simple: he or she challenges their customers' concept of what it is they need out of the salesperson's product or service, and controls the conversation in such a way that the customer feels that the salesman is saving them from making a mistake by [I]not[/I] purchasing their service or product. For example: your business customers may [I]think[/I] they need [I]Awesome Plan #1[/I], but you want to sell them [I]Awesome Plan #2[/I]. Identify flaws or shortcomings in why they [I]think[/I] they need Awesome Plan #1, explain to them that what they [I]actually[/I] need is [I]Awesome Plan #2[/I] based on your professional experience working in this field, and make a case for [I]why[/I] they need [I]Awesome Plan #2[/I], and the potential consequences of sticking with [I]Awesome Plan #1. [/I] It's a pretty interesting read, and will help you better understand the different types of sales personalities (and identify yours) at the very least. The book's primary goal, of course, is to teach you both why and how you should start nurturing the "Challenger Salesman" inside you. I found this one fairly engaging!

[QUOTE=HumanAbyss;51938464]When I start doing commercial, yes I will for sure have a huge variety of notes that I will be taking down[/QUOTE] So good, use the notes to pace yourself and not be caught with your pants down. I sometimes have to help the boss out on sales run or pre-qualifying leads before it seems like he should be brought in. One of the things I do is create a questionnaire list with the questions I need answered to make a qualified guess. Go through it over the course of conversation, not necessarily in order but make sure you cover all the questions. Then, pause, process the information, and move for review "Okay, HumanAbyss, so based on my understanding, you're looking for X,Y, Z, A, Q, and P. Do I have that right?" At this point the customer will mostly nod his/her head. Then make a move for "Based on your current requirements, I can definitely suggest..." and move to the solution. Summarizing gives a good impression to customers because you just made their lives easier by converting their rambling, meandering responses to precise bullet points. Makes you look professional, makes them think they were clear - win, win. Also buys you some mental time to slowly file through possible solutions, pick out a few options to show. I've worked on developing material for one of my other clients in the Life Insurance company (I work in a company that develops serious games, simulations and mil-sims) so keep the sales process exactly as it's taught to you - Problem ID, Solutioning and Presentation. Make that your strategy to process client requirements as well. Identify their pain points, collate that data in a way that makes it easier for you to solution, identify suitable plans and then present it.

Master degree in criminology or sociology worth it?

[QUOTE=The bird Man;51954690]Master degree in criminology or sociology worth it?[/QUOTE] What do you intend on doing with it? That is the question you need to consider. If you have a use for it, then it very well might be worth it. If you consider the knowledge and development to be worth it, it is also worth it. If you just do it for the sake of having a masters, with no way of using it, then it probably isn't worth it.

[QUOTE=Terminutter;51954806]What do you intend on doing with it? That is the question you need to consider. If you have a use for it, then it very well might be worth it. If you consider the knowledge and development to be worth it, it is also worth it. If you just do it for the sake of having a masters, with no way of using it, then it probably isn't worth it.[/QUOTE] I've always been interested in how the human behavior works, if that's now even a thing since we dysfunctionally place each other in an environment we created ourselves.. In criminology and sociology there's lots of demand for applicants in jails/prisons, etc. and there's two focuses: Rehabilitation during the their time and their adaption to society, or the safety of the compound. There's other areas that focuses on the academic part: Statistics, scientific studies, and helping people in general. Some people even combine a criminology degree before applying to law enforcement university, but since I have a few diagnoses I am not allowed to become a police officer. There are civilians that can offer their help, but there's very limited positions in it, so therefore jails/prisons are my safest bet in the job market. I even considered studying behavioral science but that's so far up my country I don't feel motivated for it. So I'd do it for the knowledge and use it to help society. What makes me worried is that working in jails/prisons are very mentally challenging, but I'm so strongly passionated in behavior and security that I feel obligated to go through it. Most people who go through criminology in university aim for a master degree, and it feels safer to follow their path. Sweden is so desperate to get personnel that they even hire young practitioners by giving them a practical 20 week introduction while doing a full-time job with complete salary, so should I really need a degree?, or is it simply for my own personal interest and a safety net in case I can't get a job? So it's all academic and not practical. I even asked my old clan leader who worked in London for 30 years as a criminal investigator (yes there's a difference in criminology and criminal justice) and he told me it was a waste of time. He's the best authorian source I have, so his words makes me question it all.

[QUOTE=The bird Man;51954922]I've always been interested in how the human behavior works, if that's now even a thing since we dysfunctionally place each other in an environment we created ourselves.. In criminology and sociology there's lots of demand for applicants in jails/prisons, etc. and there's two focuses: Rehabilitation during the their time and their adaption to society, or the safety of the compound. There's other areas that focuses on the academic part: Statistics, scientific studies, and helping people in general. Some people even combine a criminology degree before applying to law enforcement university, but since I have a few diagnoses I am not allowed to become a police officer. There are civilians that can offer their help, but there's very limited positions in it, so therefore jails/prisons are my safest bet in the job market. I even considered studying behavioral science but that's so far up my country I don't feel motivated for it. So I'd do it for the knowledge and use it to help society. What makes me worried is that working in jails/prisons are very mentally challenging, but I'm so strongly passionated in behavior and security that I feel obligated to go through it. Most people who go through criminology in university aim for a master degree, and it feels safer to follow their path. Sweden is so desperate to get personnel that they even hire young practitioners by giving them a practical 20 week introduction while doing a full-time job with complete salary, so should I really need a degree?, or is it simply for my own personal interest and a safety net in case I can't get a job? So it's all academic and not practical. I even asked my old clan leader who worked in London for 30 years as a criminal investigator (yes there's a difference in criminology and criminal justice) and he told me it was a waste of time. He's the best authorian source I have, so his words makes me question it all.[/QUOTE] If its not economically viable like you have already explained, then do the research as a hobby.

I'm planning to go to university for a major in Commerce (specialization in finance) with a minor in biomedical communications. I want to get my medschool prereqs done while I get my degree in business - I'll have a concrete decision if I want to get into medicine at the end of second year. I enjoy studying both subjects. Does anyone have any experience with finance majors? I'm having a hard time finding out what kind of work I can expect to do right after graduating, difficulty of actually finding a job, etc.

[QUOTE=polarbear.;51959814]I'm planning to go to university for a major in Commerce (specialization in finance) with a minor in biomedical communications. I want to get my medschool prereqs done while I get my degree in business - I'll have a concrete decision if I want to get into medicine at the end of second year. I enjoy studying both subjects. Does anyone have any experience with finance majors? I'm having a hard time finding out what kind of work I can expect to do right after graduating, difficulty of actually finding a job, etc.[/QUOTE] Business and finance majors are a somewhat oversaturated degree right now, mainly because they are such a general and broad area of education. What you should do is specialize in something like Accounting or Pre-law, and then you could find work as a specialized Accountant or a Paralegal (if you didn't want to become a lawyer). Otherwise business degrees roll into many different areas, including advertising, sales, media, etc; but you have to find your specialty.

Does anyone from the US know where to start looking for health insurance? I turn 26 in August but the big problem is, I'll still be in school with enough studio classes to keep me from having a job that'll pay me well enough to afford most insurances. And with the clusterfuck that health insurance is right now, I have no fuckin' clue where to start or what even will be available. My income right now is almost negligible since I'm only working a few hours here and there to make enough money for gas and groceries. I get a guaranteed 250 a month for helping out at the church with the kids but that all goes to my car payment which is about $200. It's a little frustrating tbh.

So I just got a notification that I am now one step closer to receiving Permanent Residency status in Canada. So :dance: for me. I now need to start planning for a life in Canada and its pretty scary. Does anyone know if theres any good resources for learning the ins and outs of renting a house in Canada and the like? Ive already worked out what I need to set up a bank account, but since Ive never had to rent a house before, Im thoroughly flummoxed. Also, on the off chance that anyones from the GTA in Canada: What are good neighborhoods to look at?

I've already billed 19 hours this week, had 2.5 hours of meetings, and expensed over 150 miles (mostly through traffic) and the latter two are not considered billable time. Also getting 5 new clients over the next couple weeks. I'm quite overwhelmed and it doesn't help that work is pushing the rhetoric of "we're overstaffed and don't have enough to do right now so we're going to be loading you up more soon." How do you guys organize your workflow and deal with stress from too much work?

[QUOTE=snookypookums;51962783]So I just got a notification that I am now one step closer to receiving Permanent Residency status in Canada. So :dance: for me. I now need to start planning for a life in Canada and its pretty scary. Does anyone know if theres any good resources for learning the ins and outs of renting a house in Canada and the like? Ive already worked out what I need to set up a bank account, but since Ive never had to rent a house before, Im thoroughly flummoxed. Also, on the off chance that anyones from the GTA in Canada: What are good neighborhoods to look at?[/QUOTE] I'd also like to know this. Applying to universities at the end of this year.

[QUOTE=Levelog;51966318]I've already billed 19 hours this week, had 2.5 hours of meetings, and expensed over 150 miles (mostly through traffic) and the latter two are not considered billable time. Also getting 5 new clients over the next couple weeks. I'm quite overwhelmed and it doesn't help that work is pushing the rhetoric of "we're overstaffed and don't have enough to do right now so we're going to be loading you up more soon." How do you guys organize your workflow and deal with stress from too much work?[/QUOTE] You need to learn how to prioritize your work. It's a solid skill you need for any management role. You can have a technically great individual but if they cannot organise their deadlines and prioritize then they're effectively useless as they'll spend more time panicking. Learn to deliver bad news earlier, I'm not going to achieve the original deadline by x amount of time due to the lack of support from the company. Advise your clients or senior staff now rather than when the work is meant to be completed.

[QUOTE=Boss;51966351]You need to learn how to prioritize your work. It's a solid skill you need for any management role. You can have a technically great individual but if they cannot organise their deadlines and prioritize then they're effectively useless as they'll spend more time panicking. Learn to deliver bad news earlier, I'm not going to achieve the original deadline by x amount of time due to the lack of support from the company. Advise your clients or senior staff now rather than when the work is meant to be completed.[/QUOTE] It's not much of a deadline issue, they know and I'm getting my shit done in a timely manner for pretty much everything. We've got a board with open ticket counts and my 3 man team is number 1, 2, and 3 for the counts. But yeah, I've been trying a few ways to layout my workload to organize it in a logical manner but nothing seems to quite feel great. How do you?

[QUOTE=snookypookums;51962783]So I just got a notification that I am now one step closer to receiving Permanent Residency status in Canada. So :dance: for me. I now need to start planning for a life in Canada and its pretty scary. Does anyone know if theres any good resources for learning the ins and outs of renting a house in Canada and the like? Ive already worked out what I need to set up a bank account, but since Ive never had to rent a house before, Im thoroughly flummoxed. Also, on the off chance that anyones from the GTA in Canada: What are good neighborhoods to look at?[/QUOTE] Kijiji is pretty handy to find places to rent: [URL]http://www.kijiji.ca[/URL] You should be able to contact the person for any given ad to get further details and they'll make arrangements (tour, where to meet, contract details, etc.). Also you'd typically pay the first and last month of your rent (consider it collateral). I haven't done much renting outside of my first place I'm at now, so my insight may be lacking. edit: Oh, also these convenient webpages if you haven't seen them already: [url]http://www.cic.gc.ca/english/newcomers/live/index.asp[/url] [url]http://www.cic.gc.ca/english/newcomers/after-housing-rent.asp[/url]

[QUOTE=_RJ_;51967402]Kijiji is pretty handy to find places to rent: [URL]http://www.kijiji.ca[/URL] You should be able to contact the person for any given ad to get further details and they'll make arrangements (tour, where to meet, contract details, etc.). Also you'd typically pay the first and last month of your rent (consider it collateral). I haven't done much renting outside of my first place I'm at now, so my insight may be lacking.[/QUOTE] Hey man, thanks for the response and I'll definitely check that out! :smile: So far, I've been looking at extended home stay options to do a first landing in Canada (need to convert my Confirmation of Permanent Residency (COPR) to an actual PR card, a process which apparently takes around 45 - 60 days. I'm most likely going to be just living in an extended stay kinda place for getting this done, flying back to India and planning a proper move in a bit once I've sorted out everything here. One of the items on the agenda while waiting for this PR card was also identifying places and neighborhoods to live in that are cheap and relatively safe. I'm guessing that by two months rent in advance (first + last month), is it separate from a deposit or is it the actual deposit itself?

[QUOTE=snookypookums;51967453]Hey man, thanks for the response and I'll definitely check that out! :smile: So far, I've been looking at extended home stay options to do a first landing in Canada (need to convert my Confirmation of Permanent Residency (COPR) to an actual PR card, a process which apparently takes around 45 - 60 days. I'm most likely going to be just living in an extended stay kinda place for getting this done, flying back to India and planning a proper move in a bit once I've sorted out everything here. One of the items on the agenda while waiting for this PR card was also identifying places and neighborhoods to live in that are cheap and relatively safe. I'm guessing that by two months rent in advance (first + last month), is it separate from a deposit or is it the actual deposit itself?[/QUOTE] It depends on how the landlord arranges things. If there's a deposit then you'd probably just pay first+last month minus the deposit. From what I understand the landlord deposits both the first and last month and you get interest from the last month's amount (interest is paid every month, but you don't actually get it until the last month, i.e. 12th month after the start of your rent). Come the last month you'll either get the interest paid to you, or it'll come as a discount to your next month's payment. The reason last month is taken upfront is if you decide to leave early and send your notice, at that point your last month's payment is already made. Just keep in mind this applies to Ontario, I'm not sure about other provinces. Here's more info: [url]http://www.ontariotenants.ca/law/lastmonthsrent.phtml[/url] Also here's another handy website for a bunch of random info on things in Canada, I always end up coming across them on Google (see their forums section): [url]http://www.redflagdeals.com/[/url]

[QUOTE=DanTehMan;51961557]Business and finance majors are a somewhat oversaturated degree right now, mainly because they are such a general and broad area of education. What you should do is specialize in something like Accounting or Pre-law, and then you could find work as a specialized Accountant or a Paralegal (if you didn't want to become a lawyer). Otherwise business degrees roll into many different areas, including advertising, sales, media, etc; but you have to find your specialty.[/QUOTE] Here, our commerce programs let us specialize in finance, marketing, accounting and HR. I was leaning towards finance, maybe marketing because health PR jobs are apparently a niche market and it'd help me get the foot in the door with a minor in biomedical communications. I'd love to work in an investment banking position though, sounds like a solid and interesting career. I considered law but the market seems horrid right now.

[QUOTE=Levelog;51966381]It's not much of a deadline issue, they know and I'm getting my shit done in a timely manner for pretty much everything. We've got a board with open ticket counts and my 3 man team is number 1, 2, and 3 for the counts. But yeah, I've been trying a few ways to layout my workload to organize it in a logical manner but nothing seems to quite feel great. How do you?[/QUOTE] I just dont put myself in a position where I'm taking on more than I'm willing to put up with. My first proper career job it happened and I ended up demanding a pay hike and got it. Its only work and you come to realize regardless of how much effort you put in now, it isn't going to go away and people wont remember you for it when you've gone. If you really want to put effort into organizing you're work, look into delegation if your company is failing to recognize your utilization is over 100%. If you aren't in a position to delegate just fuck it off until it forces managements hand to act.