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Embrace Pantone’s color of the year with these 6 reversible hacks from an interior designer

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Pantone describes 2019’s color of the year, Living Coral, as “energizing” and “life-affirming” — bold words for an equally bold shade.

Coral looks great under the sea, but how do we incorporate the invigorating hue into our home decor? We turned to Toronto-based interior designer Nicholas Rosaci, who believes there’s no such thing as too bold a color. “If you love it, there are no rules,” insists the designer.







Photo: decasohome/Instagram

That said, coral is undoubtedly an attention hog but it does play well with others. Rosaci recommends pairing coral with cooler greys, poppy yellow, natural materials and textures, or layering it on top of the blush pink trend for a monochromatic look.

“Coral is more like an orange with a little bit of pink in it. It’s got a lot of energy and it’s really juicy,” adds Rosaci. Whether you want to mix it in with your neutrals or throw it on the walls, Rosaci shares six reversible hacks to infuse the energizing color into your space.

1. Pepper coral into your accessories







Photo: sambaporter.arquitetura/Instagram

If you’re just looking to dabble in the trend or wake up a few nooks and crannies, Rosaci recommends peppering the color in your lighting accessories and textiles.

Instead of a basic white or black lampshade, try this simple DIY: get a beautiful coral ribbon or fabric from the craft store and hot glue it around the lampshade. “It’s a fun, easy DIY that adds a bit of drama and makes your space look glowy,” says Rosaci.

Rosaci also recommends layering your bedding and couches with a chunky coral knit throw and accent pillows. “A little coral goes a long way when it comes to punching up the basics,” Rosaci explains.

2. Line the back of your cabinets or bookcases







Photo: asdinteriors/Instagram 

There’s a big trend in the design world to update cabinets — and even kitchen appliances — with punchy colors. If you aren’t ready to take the leap (or like your white kitchen appliances just fine, thank you), consider adding a pop of color to the back of your bookcases and cabinets.

“You can always paint a piece of bristol board or foam-core coral and then trim it to fit the back of your shelves,” the DIY-pro suggests. “It’s not permanent and you’ve just added a pop of unexpected color to a space that might otherwise be dreary.”

3. Paint your door for an unexpected pop of color







Photo: dabito/Instagram 

Painted doors present another opportunity to go big and bold with color. Cover your front door and share your love of coral with the world or introduce the shade in your bathrooms, laundry room and bedrooms. A painted door is a daring addition in smaller spaces, without overwhelming the room.

Want to switch it up from season to season? You can always paint the door another color in an afternoon.

4. Pair coral with florals to make a statement







Photo: anewalldecor/Instagram 

“We’re seeing a reemergence of florals,” explains Rosaci, noting it as a great opportunity to incorporate coral. “You don’t have to cover your whole dining room in a floral wallpaper. Instead, you can wrap a large canvas in the pattern, turning it into an abstract art piece that can always be taken down.”

You can also find plenty of removable options — like large-scale floral murals in punchy corals.

5. Upcycle furniture with a coat of paint







Photo: megmade/Instagram 

A quick and affordable way to incorporate the color of the year is by upcycling furniture. Look around your home for an item that could use a facelift or hunt for a vintage gem at an auction, online listing site, thrift store or garage sale.

“Painting an antique chair or chest of drawers gives your furniture a new lease on life. You can also paint just the inside of the drawers for some contrast,” says the designer.

6. Paint the walls to add some drama







Photo: iamhayleystewart/Instagram 

“Powder rooms and dining rooms call for drama and are a great place to embrace bold color,” suggests Rosaci.

Just beware, a color might be perfect on the swatch, but not in the space. “There are many variations of coral and lighting will affect how you perceive the color,” Rosaci says. “Especially in condos, if you have a den without a window, going full-on Living Coral might be a little too intense. You can always go down a shade or two on the scale.”

Rosaci recommends painting a large test swatch on foam core or bristol board. Then you can move it around your place and see how it reacts to different lighting.

All of these ideas can be painted over, swapped out or upcycled, so you can embrace Pantone’s 2020 shade next year. “I’m sure the color will be really insane,” Rosaci says with a laugh.

Nicholas Rosaci will be presenting a session called “Navigate the Trends, Pantone’s Color of the Year and How to DIY For Living Lux For Less” at the GTA Home and Reno Show on Monday, February 18th from 3pm to 4pm. For more information, visit gtahomeandrenoshow.com.

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Is getting an MBA worth it? How to make a decision

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Obtaining an MBA degree requires a significant amount of investment. You’re not only spending money but investing a large amount of time and effort into it.

While preparing for your MBA, it is important to critically access if the benefits of enrolling in a graduate business school outweigh the costs, according to experts. Your current financial capabilities and commitments are key factors to consider before determining whether applying for an MBA is the right choice for you.

According to experts, one great way to weigh the short-term financial benefits of an MBA is to research the average salary of recent graduates of business schools and compare that figure with the average number of student loan debt.

Of all the ranked business schools that provided salary figures in the U.S. News Best Business Schools ranking, the average starting salary among 2018 graduates from full-time MBA programs was $87,683.88. While for 2018 graduates of full-time MBA program at the ranked business schools, the average debt burden was $51,671.90.

For schools that provided both salary and debt figures, the average salary for MBA graduates was $86,253.72—167% higher than the average debt burden at those schools.

Mike Catania, the founder of the coupon website PromotionCode.org and a student in the executive MBA program at the University of California—Los Angeles Anderson School of Management, noted that one of the major reasons he chose to attend business school was a strong desire to expand his network.

“I got exactly what I wanted – access to brilliant classmates and faculty that I would never have encountered on my own,” he noted. “It’s difficult to ascribe a value to that, but I look at it as only temporarily intangible – the relationships forged over the next few years will positively affect my opportunities as an entrepreneur moving forward.”

According to a financial ROI report on MBA published by Quacquarelli Symonds—a higher education data, consulting and research company—within 10 years of earning an MBA degree, the average MBA graduates from either a U.S. or international business school had an estimated ROI of $390,751—even after deducting tuition and opportunity costs of attending an MBA program. The report also went further to show that the average decade-long ROI of an MBA graduate from the Stanford University Graduate School of Business is higher than $1 million.

While the financial benefit of an MBA degree is a huge factor to consider, experts also note that there are other non-financial factors to consider, such as if getting the degree would either facilitate career change or accelerate career advancement.

“Often candidates have a career progression in mind – ask whether people who have followed that path have been helped by an MBA,” said Mark W. Nelson, the dean of Cornell University’s Samuel Curtis Johnson Graduate School of Management. “Also, consider your personal opportunities for growth. What do you want to work on? Consider how an MBA would help you develop those capabilities.”

For example, with the future of data analyticslooking bright for data scientists, getting an MBA might be what you need to boost your chances of landing a great job.

Another important thing to consider when deciding to pursue an MBA degree is your current lifestyle. It is a venture that requires serious commitments, said Catania.

“It’s just going to eat up so much of your time, and all of the (business) schools make it abundantly clear that this is on par with a job,” he adds.

Also, Nelson noted that an MBA is best suited for individuals who want to begin a major change in their career path. “An MBA is a good path when candidates are looking for a career switch or a significant career advancement,” he said.

However, Elissa Sangster, CEO of the Forté Foundation—a non-profit organization with a mission to increase the representation of women in business schools and corporate leadership positions—warns that an MBA is not necessary for every type of business career.

“You could trick yourself into thinking you need to go and pursue an MBA because, if you’re going to run a yoga studio or you’re going to … open up a car wash or run a food truck, those are all businesses,” she said.

“Getting an expensive MBA degree may not be a smart financial decision for someone who wants to run a small local business, while it could be a strategic move for someone who hopes to start or manage a large, influential corporation.”

According to Phil Strazzulla, an entrepreneur and the founder of two companies in the software sector – Select Software Reviews and NextWave Hire – who earned an MBA from Harvard Business School, he noted that while it is a chance worth taking, it is one that needs to be carefully analysed.

“Chances are, if you’re thinking about getting an MBA, you are an analytically rigorous person who’s done the analysis on whether it makes sense to pay now for future gains in salary,” he said. “And, if you go to a top school, it undoubtedly is. However, the other way I’d recommend thinking about your decision is how it’ll impact your overall happiness.”

Furthermore, SiqiMou, the co-founder and CEO of the tech-driven beauty company HelloAva who earned an MBA degree from Stanford, notes that one of the key advantages of attending a high-quality business school is that it provides exposure to a wide array of career opportunities.

“I would say the advantage of coming to one of these relatively prestigious business schools is that you have a lot of options that are open to you,” she said. “You can go back into finance or consulting types of jobs, or you can also start something yourself.”

Bachenheimer, a clinical professor of management at Pace University’s Lubin School of Business in New York City, added that an MBA provides project-based learning activities that allow students to practice solving real business problems.

“An MBA can be much more than the knowledge and skills acquired through coursework; it can truly expand you and your world,” he said.

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Comment se protéger des risques associés à l’utilisation des outils bancaires

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La technologie financière est en constante évolution. L’introduction continuelle de nouvelles options bancaires en est la preuve.

Fintech (abréviation de technologie financière) est un terme qui désigne tout type d’innovation technologique utilisée pour soutenir ou fournir des services financiers. Une telle innovation entraîne des changements importants dans le secteur financier, et donne naissance à une gamme de nouveaux modèles d’affaires, d’applications, de processus et de produits.

Si les applications financières vous permettent d’accéder facilement à vos finances personnelles, elles peuvent aussi comporter des risques allant du vol de vos renseignements bancaires, tels que votre numéro de carte de débit ou de crédit, votre nom d’utilisateur et votre numéro d’identification personnel.

C’est pourquoi il est important d’être très vigilent en partageant vos informations personnelles et bancaires en ligne. Saviez-vous qu’en fournissant vos informations bancaires ou de carte de crédit à une application financière, vous pourriez risquer de violer l’accord d’utilisation de votre institution financière?

Ce qui veut dire que, quelles que soient les caractéristiques de sécurité mises en place par une application financière, votre institution financière peut vous tenir responsable en cas de vol et d’utilisation de vos renseignements personnels à votre insu ou sans votre approbation.

Voici quelques conseils pour vous aider à protéger vos informations personnelles et bancaires, ou celles de votre carte de crédit lorsque vous utilisez les applications financières :

  • Vérifiez l’accord d’utilisation de votre banque avant de partager vos informations personnelles et bancaires, ou de carte de crédit à travers les applications financières.
  • Consultez la politique de protection contre la fraude de votre institution financière pour savoir qui est responsable de toute transaction non autorisée par vous-même .
  • Cherchez à comprendre quelles mesures de sécurité sont en place et comment vos renseignements personnels pourraient être utilisés.
  • Vérifiez régulièrement votre dossier de crédit pour voir s’il n’y a pas de demande de crédit que vous n’avez pas faite ou encore une transaction que vous n’avez pas effectuée.

Si vous soupçonnez que vos informations ont été compromises, changez immédiatement vos mots de passe. Examinez vos relevés de compte et de carte de crédit pour y détecter toutes anomalies, et signalez toute transaction suspecte à votre institution financière.

Vous pourriez aussi commander et vérifier votre dossier de crédit.

Visitez le site web de l’Agence de la consommation en matière financière du Canada pour de plus amples renseignements sur les risques associés au partage de renseignements bancaires sur des applications financières à canada.ca/argent.

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Comment agir efficacement en cas de fraude

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Chaque année, des milliers de Canadiens perdent des millions de dollars à cause de fraudeurs. Adolescents, aînés, gens d’affaires, tout le monde peut en être victime. Pourtant, seulement 5% des fraudes sont signalées aux autorités.

Si vous avez été victime de fraude, la meilleure chose à faire est de le signaler aux autorités concernées, et peu importe son ampleur. Ne vous sentez surtout pas honteux d’avoir été piégé car vous n’êtes pas seul à être tombé dans le panneau. En rapportant cette fraude, vous allez aider d’autres personnes à ne pas en être victime. De plus, dans la plupart des cas, l’institution financière ouvrira une enquête et vous remboursera l’argent perdu.

Gardez en tête que protéger vos renseignements personnels est essentiel pour éviter la fraude. Voici comment agir si vous suspectez une transaction inhabituelle dans vos comptes :

  • Changez immédiatement votre NIP et signalez la fraude à votre institution financière et au Centre antifraude du Canada. Informez-les également de toute correspondance suspecte que vous recevez au sujet de vos comptes.
  • Lorsque vous communiquez avec votre institution financière, assurez-vous d’utiliser le numéro de téléphone figurant sur votre relevé de compte ou au verso de votre carte de crédit ou de débit.
  • Si vous recevez des courriels trompeurs, vous pouvez envoyer une plainte au Centre de signalement des pourriels. Les escroqueries financières comprennent souvent des offres de vente ou des promotions de produits et services financiers, comme les régimes de retraite, les fonds de placement gérés, les conseils financiers, l’assurance et les comptes de crédit et de dépôt.

Le Bureau de la concurrence du Canada dispose d’un excellent guide appelé le Petit Livre noir de la fraude, et fournit beaucoup d’autres renseignements utiles par l’entremise du Centre antifraude du Canada.

Pour plus d’information, visitez le site web de l’Agence de la consommation en matière financière du Canada qui offre également une foule de renseignements et d’outils pour vous aider à vous protéger contre les fraudes et les escroqueries à canada.ca/argent.

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