I hope your 2018 was as successful as you hoped it would be back in January. At Scrivens, we are grateful for all of our clients and their loyalty from year-to-year. Continue...

Starting Nov. 1, 2018, Canada’s federal Personal Information Protection and Electronic Documents Act (PIPEDA) will require organizations that suffer a data breach involving personal information to: Continue...

Recently, the United States, Canada and Mexico came to an agreement on a revised trade deal that could replace the North American Free Trade Agreement (NAFTA). The new deal, which is being referred to as the U.S.-Mexico-Canada Agreement (USMCA), was signed November 30, 2018. Continue...

No matter your industry, chances are your organization will rely on the help of a third party to fulfill certain business needs. Business arrangements with contractors and vendors can open you up to a number of risks — risks that need to be accounted for through insurance. Continue...

In Ontario, automobile insurance rates are regulated by the Financial Services Commission of Ontario (FSCO). Because of this, there are few ways you are able to reduce your premium immediately. Of course, the best way to keep your premium low is to practice defensive driving techniques and avoid accidents altogether. Continue...

We have already seen a lot of snow and cold weather and this Winter is expected to be snowier than usual. Winter is always an unsafe time to be driving but with more snow in the forecast, taking extra precaution is even more important. Here are 10 safety tips to remember while driving your car this winter. Continue...

Have you made arrangements for your final expenses? That is, your funeral and associated expenses that will occur when you pass away? Oh – and the additional income tax that may be owing on your final tax return as a result of taxable dispositions upon your death (such as the remaining balance on your Retirement Income Fund investments)? If not, is your executor aware of this – since they will be responsible for looking after these costs? Continue...

An article in a recent business magazine referred to 2019 as “The Year of Fear” in investment markets. Certainly, we saw the return of volatility to investment markets in 2018. At the end of October, we witnessed two weeks of mostly declining equity markets, possibly bringing back unpleasant memories of 2008. Continue...

What’s the contribution deadline for 2018? Continue...

According to a recent study, the average person touches their phone 2,617 times per day. As some of the biggest online users in the world, Canadians visit more sites and spend more time on the internet than any other country. Continue...