Durham Regions Premier Business Networking Group

Accident Benefit Coverage

Posted on 20 July 2018
Accident Benefit Coverage
Auto insurance and accident benefits aren't exactly the most exciting topic, but we are very concerned that you may not be aware of the benefits that are available to you and that it could dramatically affect the financial settlement of your injury claim. It can also be pretty tricky to understand all of the terminology and choices available to you.

However, it is very important for all drivers to understand these coverages and how they affect you.

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident.

This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

Accident benefits cover you on many levels. In the next few weeks we'll explain each portion so you can choose the right level of coverage for yourself and your family.

The coverages we'll be discussing in the coming weeks will include;

  • Injuries
  • Dependent Care, Caregiver & Housekeeping
  • Income Replacement
  • Death and Funeral

Tune in over the next 4 weeks for a simple break down of each coverage, what's included in your policy automatically and your options for increasing coverage if necessary.

Learn more at our video blog https://www.roughleyinsurance.com/accidentbenefits

When you are ready to discuss your accident benefit coverage on your automobile insurance policy, contact us at 905-424-5939, email us at jskelton@roughleyinsurance.com  or visit us at 1000 Simcoe St. N., Oshawa.

Jeff Skelton

Posted in: Latest News  

How to Qualify for a Mortgage using Commission Income

Posted on 9 April 2018
How to Qualify for a Mortgage using Commission Income

Do you earn commission income? Having a hard time qualifying for the mortgage you want?

Real estate agents and insurance brokers are two common businesses that tend to be 100% commission based. Lenders consider commission income with a bit more risk than other types of self-employed business income.

Three things to consider when seeking a mortgage using this type of income:

1.Some lenders do not accept commission income for qualifying purposes. It is important to realize this niche and choose the right lender for your specific income type. A lot of frustration will be avoided by selecting the right lender.

2.Documentation is key. Save those T4As and your employers' commission reports for the last 2 years. Be able to distinguish between gross and net commission amounts.

3.Some of these niche lenders will consider up to 100% of your commission income and there are solutions for borrowers with poor credit.

Sean Stewart at SGH Mortgages Inc. knows this niche well and will work hard to get you the money you deserve. To find out how you can qualify for a mortgage using commission income, start a conversation with Sean today, 905-427-9596.
Posted in: Latest News  

Getting Results with Bloomtools Durham

Posted on 15 February 2018
Getting Results with Bloomtools Durham

Bloomtools Durham Specializes in Getting Results For Their Customers.

We Achieve results online for our customers by:

  • Developing lead generating websites with the Bloomtools System
  • Providing expert digital marketing strategies
  • Providing Sales strategies and advice
  • Leveraging  an all-in-one digital solution for busy businesses (Content Management System, Database Marketing System and a Contact Management System)
  • Expert advice on all print marketing projects


Bloomtools Overview 

Customer Success Stories 
I find that the best way to highlight our services is by sharing success stories from our customers. Don't take our word on how effective our systems are, read our customer success stories below!
Custom Auto Radio & Custone Electromotive Inc.
This site was launched in April 2017 and since then there has been 6,000 Users, 27,000 Page Views to the website, with an average of 3.5 Pages viewed and spending and average of 2 minutes and 40 seconds on the site.
Since launching the site they have received 75 Request an estimate submissions and 50 Contact Us requests!
Now they can promote their services, promote products and sell online.

"Friendly efficient service, build to requirement. Reasonable cost. Regular measurable results. Chris delivers project as promised and on time."

Sandor Csanyi



Tenn Tek
Generated 6 leads within the first month and a half of launching the site and closed two deals paying for the entire site!
The client can easily update their product catalog and content on the website themselves. Resulting in the most up to date product that they are selling is now available on their site.
On average the website receives 2-4 leads a month! Before they were receiving no leads from their website.
"Tenn Tek is pleased with the overall design, look and ease of use in updating the product catalogue.  Working with Chris and his knowledgeable team made the design and transmission from our old website to the new one seamless.

I think overall we achieved the goals we set out to accomplish, we also find very useful the Google Analytics which makes it useful to monitor the traffic to the website.

It is also important to note that we received six new leads generated from the new website and closed two deals within the first two months of having the new website."

Peter Ramsaran

Interested in learning more about our customers success stories? Hear what our happy customers are saying! To start your next website project and get the results you're looking for online, contact Chris at Bloomtools Durham Today!
Chris Downey
Web Consultant
Posted in: Latest News  

Darn IT Group: Cyber Threats To Watch Out For In 2018

Posted on 29 January 2018
Darn IT Group: Cyber Threats To Watch Out For In 2018

As 2017 is winding down, news of major cyber hacks, threats, and data breaches still linger in our heads. Which begs the next question, what will 2018 have in store for us?

2018 The Cyber Security Arms Race Continues

In 2017, the media dominated the airwaves of data breaches, cybersecurity threats, major hacks, which affected companies like Equifax, Verizon, Yahoo, and the WannaCry global incident. Which begs the question to organizations of any caliber are we next?

Various organizations, corporations, governments, public and private sectors, businesses big or small are all likely targets. What will 2018 have in store for us? McAfee and Kaspersky threat predictions identified cybersecurity trends to watch for in 2018:

  • The continuing and increasing "arms race" between defenders and attackers.
  • High-end Mobile Malware for Android and iOS.
  • Sophisticated UEFI and BIOS attacks.
  • Increased router and modem hacks.
  • Ransomware to evolve from traditional PC extortion to IoT, high net-worth users, technologies, and corporate disruption.
  • Consumer app collection of children's content to pose long-term reputation risk.


Global Infrastructure Attacks To Increase in 2018

Critical infrastructure cyber attacks is a major concern, as we come across some of these attack surfaces, many security experts are predicting that we will begin to see an increase of cyber attacks on critical infrastructure in 2018. Here are 16 critical infrastructure sectors that could be attacked in 2018:



  • The Energy Sector
  • The Dams Sector
  • The Financial Services Sector
  • The Nuclear Reactors, Materials, and Waste Sector
  • The Food and Agriculture Sector
  • The Water and Wastewater Systems Sector
  • The Healthcare and Public Health Sector
  • The Emergency Services Sector
  • The Transportation Systems Sector
  • The Chemical Sector
  • The Communications Sector
  • The Information Technology Sector
  • The Defense Industrial Base Sector
  • The Critical Manufacturing Sector
  • The Government Facilities Sector
  • The Commercial Facilities Sector


Why SMB's Need To Focus on Cybersecurity Outsourcing or Augmentation


There is no denying it, there is a shortage of skilled resources within the field of cybersecurity, over 3.5 million positions will go unfilled by 2021. Small to medium businesses will be affected due to budgetary reasons or lack of knowledge on the subject.

The pace of innovation of technology and solutions will help compliment some concerns, however, education for all employees is the key to maintaining the cyber awareness of organizations well into the future. The only problem that these organizations face is that sometimes IT departments lack the skillset or real-world experience in properly protecting an organization from the onslaught of cyber threats in the digital frontier. By outsourcing or augmenting your organization's cybersecurity stance, you allow the company become resilient by implementing cost-saving products and solutions to better equip your staff. Adhering to your businesses regulatory compliances, along with effective 24/7 threat detection and remediation will put your business in the right posture to become resilient to ongoing threats.


Darnley Greson Jr



Posted in: Latest News  

The BizMetrics Marketing Minute

Posted on 8 January 2018
The BizMetrics Marketing Minute

Eight Ways to Increase Your Profits

Increasing your profits might sound like it's an unattainable dream just out of your reach. But there are a finite number of ways that profits can be increased. Once you understand what they are, you'll have clarity on how to best reach your goals.

There are two primary ways to increase profits:

  • Raise revenue
  • Lower expenses

That's not particularly enlightening or instructional, is it? Let's look at four ways you can increase revenues and four ways you can reduce expenses to get clearer on what actions you can take for your business. 

Ways to Increase Revenue

Raise prices
The easiest way to raise revenue is to simply raise prices. However, this is not foolproof and assumes you'll be able to maintain the volume of sales you've achieved in the past. This method is also limited by market demand, what your customers are willing to pay.

Add new customers
Adding new customers is what most entrepreneurs think about when raising revenue. Increasing your marketing or adding new marketing methods is typically the way to add new customers. Another related option is to work hard to keep the customers you already have. You can also potentially contact the customers you lost and ask them to come back.

Introduce new products or services
For some companies, your products and services are changing every year. For others, not so much. To increase revenue, consider adding new products or services that will bring in an additional revenue stream that you didn't have before. Even if your products are changing every year, you can consider adding something completely different that your customer base would love.  For example, a hair salon could add a nail desk, a clothing store could add handbags or shoes, a grocery store could add a coffee bar, a restaurant could add catering, a landscaper could add hardscaping, and so on.

The final way a business can increase revenue is to acquire another business in a merger or acquisition.

Four Ways to Reduce Expenses

Negotiate for a better deal with vendors
If you've been working with a vendor for a while, you may be able to re-negotiate your contract with them. This is especially common with telecom companies. Call you phone provider and ask them for the latest deal. They always favor new customers over long term customers, but they don't want to lose customers either. Just calling them usually yields a better price than what you are paying now.

Change vendors

If a vendor has gotten too expensive, it might be time to look for a new vendor. Health care insurance seems to be in this category. Often, changing providers will lower your costs. 

Reduce headcount
If there is not enough work to support your employees or not enough cash flow to pay them, then it might be time for a layoff or restructuring. You might also consider outsourcing a function that you previously did in-house.

Reduce / rationalize expenses or services
It might be your business no longer needs to spend money on an expense. Perhaps this expense has been automated. In this case, it's an easy decision to cut the expense out entirely. 

Those are some of the ways to increase profits. Which one makes the most sense in your business? Create a plan around these eight ideas to boost your profit this year, and let us know if we can help. For results you can count on, contact us at 1 844 577 7654 or at solutions@bizmetrics.ca  We hope you find all of this useful and, as always, please keep your feedback and suggestions coming.

BizMetrics and Results You Can Count On are trademarks of BizMetrics Incorporated. Copyright © 2017 BizMetrics Incorporated. All rights reserved.


Posted in: Latest News  

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