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Getting Kids Ready for Back to School: Tips for a Smooth Transition

As summer winds down, the excitement and anticipation of a new school year begin to build. Preparing your kids for back to school can be a fun and rewarding experience with a bit of planning and organization. Here are some tips to help ensure a smooth transition: 1. Establish a Routine Start adjusting your child’s sleep schedule a week or two before school begins. Gradually move bedtime earlier and wake them up closer to the time they’ll need to get up for school. This helps their bodies adjust and makes the first week back less of a shock. 2. Organize School Supplies Make a list of necessary school supplies and involve your child in the shopping process. Letting them choose their notebooks, pens, and backpacks can make them more excited about the new school year. Don’t forget to label everything with their name! 3. Create a Study Space Set up a dedicated, clutter-free area for homework and studying. Ensure it’s well-lit and stocked with all the supplies they might need. Having a speci
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A Long-Awaited Revolution: Open Banking Comes to Canada


Change is on the horizon for Canadian banking, and it’s a shift that promises to empower consumers and businesses alike. The buzzword? Open banking. Let’s dive into what this means and why it matters.

What Is Open Banking?

Open banking is a system that gives individuals and businesses greater control over their financial data. It allows them to share this data with other firms, opening up new possibilities for managing money, making payments, and accessing credit.

How Does It Work?

  1. Data Sharing: Consumers can choose to share their banking data with third-party apps and services. For example, budgeting apps can aggregate information from various bank accounts and credit cards, providing a comprehensive view of finances.

  2. Credit Assessments: Lenders can directly access an individual’s banking data, going beyond traditional credit scores. This means fairer assessments and greater financial inclusion.

  3. Democratizing Data: Open banking aims to create a more inclusive and transparent financial system. It’s about empowering people with their own data.

Why Is It Important?

  • Competition: Open banking fosters competition by allowing new players to enter the financial services market. This can lead to better products and services for consumers.

  • Payments Innovation: Simplified payments, automated accounting, and streamlined business finance management become possible.

  • Credit Building: Individuals can use open banking to build credit by showcasing reliable payment history beyond traditional credit scores.

Challenges Ahead

While the potential is immense, gaining trust in Canada won’t be easy. Convincing Canadians to embrace this new system and trust new competitors will be an uphill battle. But it’s a battle worth fighting for a fairer, more inclusive financial landscape.

So keep an eye out for open banking—it’s a quiet revolution that could reshape how we manage our money.


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