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March 30, 2020
Top 5 Employer Options During The Coronavirus Pandemic
Kim Nutz of Sunstone Legal provides a list of the Top 5 Employer Options During The Coronavirus Pandemic...

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Rob Campbell - RE/MAX Real Estate (Central) : Blog : Latest Blog Posts

March 30, 2020
Covid 19 Payroll Subsidy Info
For employers, we are getting more detail on the payroll subsidy:
Business Owner Update - Friday March 27, 2020

Business Owner Update - Friday March 27, 2020

Today the Federal Government and Bank of Canada finally...

Here Is A New Listing That I Just Posted At Calgary

Here is a new listing that I am happy to post at Calgary.

Wow! Great profitable pub in...

COVID 19 - The Emerging "Stress Factor"

In talking to many of you this week, the number one emerging issue is stress.   The rapid...

Misura Berteit & Associates - Resources for Businesses during COVID-19

We at Misura Berteit & Associates understand that the events of the last few weeks have left a lot...



LATEST STORIES For Today's News From Around the Web..

Here is a new listing that I am happy to post at #30 Market BV SE in Airdrie.
Indian Eat in / Take out Restaurant A 35 seat Indian restaurant that combines a seated restaurant with a bit of a Quick Service feel, perfect for the area that it’s in. Surrounded by both residential and commercial districts, the client mix is very diverse. The bulk of the business is Take Out and Delivery with Skip The Dishes, but you also get people coming in for lunch or dinner when they don’t feel like cooking at home. The eat in market segment has room for growth through active flyer marketing. Lots of surface parking for your customers, the rent is $4800 a month with 7years remaining on the current lease and another option. If you would like more details on this business please call and we can discuss it further.
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Business Owner Update - Friday March 27, 2020

Business Owner Update - Friday March 27, 2020

Today the Federal Government and Bank of Canada finally made key announcements to help small businesses:

  • Increased Payroll Subsidies up to 75% - This will be back-dated to March 15.  No link or details yet on the limitations or qualification. I will get them to you as soon as they are posted.  Here is the announcement
  • Government guaranteed, interest free small business loans up to $40,000 – this is a program where, if you go to your bank to borrow money to get through the next few months, the government of Canada will be the guarantor.   Under some circumstances (no details yet), 25% may become forgivable.
  • Bank of Canada drops Prime Rate to 0.25% - this makes the cost of borrowing as close to “free” as it gets.  This is the time for you to replace as much high-cost debt with new low-cost debt.

In addition, you get a deferral of GST remittances on top of all the other deferral of payment programs announced over the past 10 days.  You’ll have to pay your GST owing eventually, but consider the money is better in your pocket for the time being.

These will help those of you who will be able to find work to keep the doors open and if the Alberta Government doesn’t order a lockdown.  If you need to shut the doors, the cheap loans and payment deferrals will help you to weather the storm and re-open later.  

Let’s address the potential of a lock-down.  Yesterday, the Alberta government admitted it is preparing an essential services list. This is a prerequisite to doing a lockdown.  As I reported to you earlier this week, the Alberta list will be based on the Ontario essential services list, likely with more extensive leniency for the oil and gas sector (re-attached).   This is not something the Alberta Government wants to do, but only if covid19 gets out of control.    That number is much higher than we are now (check my website if you like numbers).  However, politics are politics and we still might see one.  

If the government imposes one, my forecast is that we will need to see case numbers trending up significantly (i.e. additional cases each day are more than the additional cased from the day before) for 2-3 more days in a row and the Canadian Emergency Response Benefits become available so the additional layoffs get paid by the Feds, not the Province (i.e. April 6).  I’ll be keeping watch over these numbers for you. 

For you convenience, here is new link summarizing all the Federal program announcements (not yet updated from today).

Let’s do everything we can in our workplaces, with our employees, customers and suppliers to plank this outbreak so we can keep businesses open and everyone working!

Pete Baran                           |       403-973-3531

Chief Business Mechanic  |       Blueneck Consulting Inc.

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Blueneck Consulting - COVID 19 Business Update

Today’s Government Announcement:  No new Federal support announcements today from our PM.   The focus today will be passing emergency measures that give the federal government broader powers to spend money, redirect economic activity and implement further restrictions.


Ontario and Quebec are locking down their provinces at the end of today, except for essential services.  ATTACHED IS A LIST OF ESSENTIAL BUSINESSES IN ONTARIO. On this list is every one of my clients’ business types are included.  Most businesses engaged or supplyingConstruction, Manufacturing, Real Estate, Food, Healthcare and Transportation, among others, are all on the list.  The good news here is that if this becomes the template for other provinces, most of you will be able to continue operations – but please do it SAFELY.

Right now, it is being left to provinces to decide on lock-down measures.   Alberta has the 4th largest population of covid-19 cases, but there seems to be no interest so far to lock down the province.   The Federal Government, however, is passing the Emergency Powers Act andcould intervene.  Most likely, for now, the Provinces are likely to be left to make local decisions and the Federal government will focus on economic stabilization spending and inter-provincial, international travel restrictions.   However, this can change quickly if cases start spiking quickly.

Financial support for your business, employees and clients:

Many of your businesses are now adapting daily business, and making additional preparations.  Below I’ve summarized programs to help ease the difficulty of reducing your workforce and other measures to conserve cash, which is critical over the coming months:

  • Help for your employees to conserve cash:
    • Income Tax owing can be deferred to Aug 31
    • Residential Utility Payments can be deferred for up to 90 days without being disconnected
    • Personal Mortgages and Loan Payments with Alberta credit unions and ATB can be requested to be deferred up to 6 months based on need.  Some national banks are doing the same thing, but also only based on need.
    • Emergency Isolation Payment for Albertans to have covid-19, returning from abroad or have been in contact with someone tested positive with covid-19 can get up to $1,146 until the Federal program is in place.  This is time limited till April 1.
    • Emergency Support for non-EI eligible Workers applies to any of your employees or their spouses are unable to work but cannot get EI.   If they have been asked to self-isolate because they have covid-19, suspected to have covid-19 or need to care for someone with covid-19, they can apply for $900 every two weeks for up to 15 weeks.  They can apply through the CRA MyAccount portal.
  • Reduce the pain of laying off employees by considering job-sharing program.   This allows employees to work part-time for you and get a partial top-up of EI.  If your business can stay open, this is a great way to drastically reduce your payroll and look after you valued staff.  However, this program takes 30 days to be approved, so you must get your application in immediately!


The US is expected to be the next epicentre of Covid-19 spread.  The US is in very bad shape to control this and the President is implying that he is willing to consider accepting high loss of life to keep the economy open.   If this happens, ANY SUPPLY COMING FROM THE US may be at risk.   Please review your US-based supply and monitor your individual situations on a daily basis.

However, China is starting to do phased re-opening of their economy and re-opening hospitals to the public.   It took less than 2 months of lock-down and isolating people.   Strict hygiene measures, quarantining the sick and social isolation/distancing have been the keys.   Please LEARN from this and take implementation of these measures in your work locations SERIOUSLY.  It is the best way to keep you working!

Pete Baran                           |       403-973-3531

Chief Business Mechanic  |       Blueneck Consulting Inc.

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Misura Berteit & Associates - Resources for Businesses during COVID-19

We at Misura Berteit & Associates understand that the events of the last few weeks have left a lot of “unanswer-able” questions.  While we don’t have the answers, we do feel that there are some resources available out there.  We encourage you to review and keep informed with the latest updates:  

1. Government of Canada’s website: Coronavirus disease (COVID-19): Resources for Canadian Businesses:

2.    Government of Canada’s website:  Canada’s COVID-19 Economic Response Plan: Support for Canadians and Businesses:

3. Government of Alberta website: COVID -19 supports for Albertans:

These pages give several links for questions surrounding:

-    Supporting our employees
-    Financial implications and business preparedness
-    Business travel and events
-    Exporting and doing business in international markets

While we feel that all these issues may not be relevant to each of us and there are (still) no firm answers, at least this is a good start.  If you have discovered a good resource – please share it with us!  We’d love to be able to pass onto our clients and entrepreneurs the networks and resources available out there.  

As always, we’re here to support you in any way we can including:

-    Setting up teleconference or video conference meetings 

-    We can send you links to upload your information to so it can be delivered to us digitally and encrypted

-    We have a fax machine; while this is generally thought of as outdated technology, it may still come in handy if that’s the delivery method you prefer to use during this period of social distancing

-    Call us for courier / pick-up outside your door to our door

-    General calls; we know that businesses can feel isolated at times like this – feel free to reach out to us as an entrepreneur who just needs to talk.  We may not have the answers but we are business owners ourselves and just talking can alleviate some of the stress sometimes. 

E:  P: 403-568-4341

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