Wednesday, January 02, 2019

Make the Most of 2019

The New Year is a great time to get organized. Organize your closet, organize your life. Clean up the spice cupboard, set some goals. Being organized helps put your ideas into action, in your personal life and at work.

No time to organize? Start outsourcing work online, get your groceries delivered, or invest in a cleaning person to help you out, and take advantage of the extra time to yourself!

Learn to play an instrument, go outside for a walk, get more sleep, learn a new language, or visit the museum. Set some goals by looking back on the last year, is there anything you would want to improve upon or do more of? Set small, manageable goals that can be met throughout the year. Maybe fitness and education are important to you – take some time to think of how you want to tackle your objectives. Try some different workout classes or online seminars and see what works for you and piques your interest before making any big commitments. Set a plan to see your goals through, whether it is a weekly Wednesday night study session, or signing up for a run club to get ready that 10K. Make sure your ideas are financially viable, and set a time limit.

The New Year is great time to look back on your budgeting and re-assess to see what is and isn’t working for you while you factor in your new goals for the year. Budgeting apps are a good way to get started and get a clearer idea of your spending.  While you’re at – download our new app! With it there is no need to send in receipts, just snap a photo of them and you’re all set. Simply send us an email and we will have you set up right away.

Posted by Margaret Koniuck at 10:09 PM 0 Comments

Friday, October 05, 2018

Winter Woes

Heading into the long weekend, it's hard not to notice that winter is well on its way! Thankfully we have you covered for for several small mishaps that may happen as the temperature dips.

Pull a muscle shovelling? You can claim your RMT massage or physiotherapy.

Lose a filling when you flew off your toboggan? Dental services qualify.

Crash a bit hard playing hockey with your friends? Ambulance charges can be claimed as well.

As long as you haven't been reimbursed by another plan, these expenses qualify! Just remember to keep your receipts. Give us a call or email with any questions and we can advise you what we can help out with.

Posted by Margaret Koniuck at 2:36 PM 0 Comments

Sunday, August 19, 2018

Looking for Inspiration?

When running your own business, sometimes it can be tough to stay ahead of the curve and innovate. If you have been stuck in a rut and need some inspiration, summer is thankfully a great time to re-energize!

Try some of these tips to gain a new perspecrive and generate some new ideas :

Read a book - Joining a book club is a great way to learn not only from some great authors, but also from the perspectives of others in the group. Reading is also a great way to unwind and relax at the end of a long day.

Grab a coffee - Grab your favorite travel mug and choose a new cafe in town. Changing up your routine and meeting new people can be a great way to break out of a rut.

Take a walk - Exploring a new neighborhood is a great way to generate new ideas, and get some exercise to clear your mind. Whether you walk just down the road or somewhere new, you never know what you'll find with an open mind and keen eye!

Talk with coworkers - Having a group you can bounce ideas off of is always helpful in brainstorming new practices. Whether it is coworkers, friends, a mentor, or other businesspeople, a group to network with can be extremely valuable to gain insight and learn about new opportunities.

Try something new - Whether it is related to your line of work or not, doing something you have never done before is a great way to learn and grow. If you fall out of your kayak, or your new filing system flops, at least you've tried and have a better idea how to set yourself up for your next attempt.


What inspires you?

Posted by Margaret Koniuck at 12:00 AM 0 Comments

Wednesday, October 31, 2012

Happy Halloween!

Happy Halloween!

Halloween is a great time for candy snacking and taking about the weather if you are a home grown Winnipegger.  We all remember what the weather was like at various years of growing up on Halloween Day.  In Manitoba, that could mean its anywhere from balmy warm where golfers at still out on the courses to two feet of snow on the ground in minus temperatures.

Halloween is also a time of year to think about UNICEF.  I carried around the UNICEF box at Halloween as a child.  Later in life, I learned more about the work UNICEF does and volunteered my time, eventually acting as the Chairperson for UNICEF Canada.  The little ones don’t take UNICEF boxes out when trick or treating any more, but schools across Canada hold fundraisers to help less fortunate children around the world.  Remember to help these young fundraisers out with a donation or go to  for other ways to make donations.

To get back to the Halloween candy snacking…..I’m often asked: “Can I write off all of my families dental expenses as a business expense?”  The answer is a resounding YES if you are signed up with Corporate Care.  This includes all kinds of dental expenses such as braces, fillings, cleanings, x-rays, etc.  It doesn’t cost anything to sign up with Corporate Care.  We charge a 5% administration fee when you use the program; the lowest fees in the country.  The tax benefits are fantastic.  For most small businesses the monthly premiums for group benefit plans are too expensive and too restrictive.  Corporate Care is a Private Health Services Plan that gives you an tax-friendly alternative.  Check out our web-site at for more information.

I guess the little ones will be bundled up a bit this Halloween so drive careful.

Posted by Margaret Koniuck at 12:00 AM 0 Comments

Friday, February 17, 2012

It’s NEVER TOO LATE to submit those 2011 medical expenses!

If you haven’t done so already, collect up your 2011 medical receipts and send them in.  Think of it as mining for gold.  Each receipt represents a little extra cash in your pocket.  Make sure you have included the following:


·        Massage therapy receipts


·        All dental bills


·        Any premiums paid by your spouse at an outside employment


·        Travel insurance premiums


·        All vision care bills


These are just some of the medical expenses that qualify as a business expense with your Corporate Care benefits.  Here’s a full list:

And remember:  There are NO LIMITS.*

HINT: If you are mining for receipts for 2011, here’s a tip for 2012.  Set up a shoe box or a file folder where you can easily drop in any medical receipt as you get it over the year.  Keep a place at home and a place at work.  It’s easier than trying to remember to bring your receipts home from work or vice versa.

 If you have a question about whether something qualifies, please call us, email us or use the “Ask a question” section of the web-site:  We’re always being asked questions about what may qualify as a medical expense and we’re happy to discuss anything with you.  Often questions are sensitive or confidential in nature.  We respect your privacy and have over ten years of experience with handling all sorts of questions.


*Businesses that are not incorporated have some limitations.  Call us at 204-940-5461 for more details.


Posted by Margaret Koniuck at 4:46 PM 0 Comments

Thursday, December 15, 2011

Gone PHSPing

If a business has a sign like this on the door, you can be sure that it’s a business run by an astute owner.

Corporate Care is a Private health services plan (PHSP).  It’s a flexible and cost effective way for a small business to obtain tax-free health and dental coverage.  It’s a transparent and hassle-free compromise to an insurance plan. 

All sizes of businesses can benefit from a Corporate Care PHSP starting with the single-person business or the business just starting out. With Corporate Care’s no set up fees, no sign up fees commitment, there is no risk to the business owner. All of the costs are controlled by the business owner.

For the company with a few employees, it’s the perfect solution.  Sometimes it’s difficult for employees to agree to what they want covered or don’t want covered in a health benefits plan. Some employees need orthodontic coverage for their children while others have needs for certain prescription drugs or vision care.  PHSPs let the employees pick and choose where to spend their benefits dollars.

The Corporate Care PHSP is even a great benefit when a traditional plan provides the best solution for your company, particularly if you have hundreds of employees.  It can be used as a top up plan to provide a bit of flexibility to employees and help in reducing the premiums from the insurance plan.

Once you’ve figured out how to PHSP, you’ll love it. 


“Gone Fishing”

Fishing has its benefits for business owners, too.  It’s relaxing and gets you in touch with nature.  It gets you outdoors.  There are no age restrictions.  Fishing is a great way to bond with family, from kids to grandparents.


“The Benefits of Fish”

Fish is low in fat, high in protein and an excellent source of omega-3 fatty acids. Researchers have found there are health benefits of eating fish regularly – one or two serves weekly. It reduces the risk of heart disease, lowers blood pressure, helps manage blood sugar levels, an may relieve the symptoms of rheumatoid arthritis, to name a few.

Tags:   health  service plan  PHSP 

Posted by Administrator Administrator at 10:37 AM 0 Comments