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We are a financial institution offering consulting and guidance on investment decisions for individuals based in Canada

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Even a very experienced and well informed investor will never make his or her own investment decision alone.

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You give us a call at 780-593-2420 or send an email to info@m38a1.ca or contact us via the form.

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Slitting Machines Are Essential For Your Paper Conversion Productivity

reducing the size of paper rollsWhat is a paper slitting machine? It’s not very usual, so I am not expecting you all know it. It is important, though. Have you seen big rolls of paper? I’m pretty sure you are also familiar with the receipts from the ATM whenever you withdraw money. Another example is when you order from a local diner and pay, the receipt that comes out from the cash register.

Let us start with that. It is all made possible with the help of a slitting machine. It is the tool that is used to create smaller rolls or papers, films or foils. Have you ever thought of pulling a piece of paper from a big ton of it? Don’t even try to imagine. It is very important so we can have those papers that we don’t even pay attention. What do you think will happen without it?

A busy day ahead and you are in line waiting for hand written receipts. I sincerely believe that it will be a chaotic day for everyone.

Without slitting machines, it would be a tough task to complete any paper conversion. It is a must have for paper factories. It can lessen your expenses over time as you see the benefits of a slitting machine.

The design of this machine is excellent but the newest technology machines built by RollRazor for instance are far superior.  It’s basically a night and day difference between the older slitter rewinder designs and the precision single blade cut system that RollRazor uses.

How do you think you will get those thinner rolls out of the bigger rolls of paper? Easier production, more products and that is equivalent to more profit. It would not be time-consuming as well. Companies can keep up with the demand of consumers without a sweat. The machinery used can make or break a business. It is always wise to invest and be on top of the competition. It is important though that you find a good machine.

There is another problem with that, though. You can own a machine, yet no one knows how to operate it. Certain sellers provide due training on how to operate the slitting machine. There are also many types of it, so you better be sure which one works for you. The reliability of the device you will invest in is also a key factor. It is important but never settle for shabby untrusted sellers so you can get your moneys worth.

Paper factories may not want it because it is not cheap at all. It’s just that a good investment pays off in the long run. The slitting machine is a very useful tool and helps a great deal when it comes to production. Don’t be pressed with the demands that you can’t meet. Stay on top of your output. Earn your profit the easiest way possible. Try one now and see for yourself.

The benefits of it will make you think again on why you did not purchase this before. Don’t wait that you would have to say, what took me this long to get it for my factory? Ponder your thoughts about it but don’t wait too long and then contact RollRazor.com for more information – there’s no need to consider the older tech when this type of machine is now available.

Four tips on finding the best home loan rates

It requires a ton of push to get an awesome rate on a home loan. The home loan industry investigates different components to figure out if you are qualified to get a home loan and what your rate will be. Contract rates differ starting with one individual then onto the next relying upon these components. On the off chance that you are searching for the best Kelowna mortgage brokers, then call Rampone-Marsh Mortgages and we can walk you through the below tips.

1. FICO ratings

Wondering what your FICO score is? A FICO rating is one of the essential determinants of home loan rate. The higher your FICO assessment is, the lower your home loan rate will be. On the off chance that your FICO rating is least 760, you will get the best home loan rate; else, you will get a higher financing cost. You require a FICO rating of 620 to fit the bill for a home loan. The rate you will get is 5.022%. On the off chance that you have a FICO rating of 760 or higher, your rate will be 3.433%. In the event that you don’t have the base financial assessment, then you have to attempt to enhance it. One approach to do this is to pay off your advances.

2. Wage security

You ought to have an enduring wage in the previous two years to get a decent home loan rate. On the off chance that you have a record of unemployment or declining profit, then it will contrarily affect your home loan financing costs. On the off chance that you are in the same employment throughout the previous two years least or get an advancement or higher pay, then your odds of having a superior loan fee increments. In the event that you are independently employed, then you have to archive all your salary alongside government forms throughout the previous two years.

3. Obligation to-salary proportion

This proportion comes in two structures: the back-end proportion and the front-end proportion. The back-end proportion figures the aggregate of your month to month least obligation installments alongside your new lodging installment and partitioning it by your gross month to month salary. The front-end proportion manages your lodging costs as it were. Banks as a rule need a front-end proportion of 28% or less and a back-end proportion of 36% or less. In this way, you ought to keep up these rates.

4. Initial installment

General guideline is that you require a base up front installment of 20% of the home price tag on the off chance that you need to get a decent home loan rate. On the off chance that you have an up front installment under 20%, then you should have a private home loan protection. At the point when the up front installment assuming more, it turns out to be less unsafe, thus the banks will offer the best home loan rate.

You ought to analyze the home loan rates offered by different establishments but we guarantee that we have access to the best rates. There are numerous online sources which can help you. Bankrate.com is a spot where you can look at home loan rates from various moneylenders. Zillow.com is another site that gives data on home loan banks. You can contact us to get the best home loan rates for your home. Give us a call or visit our website to think about the most recent home loan rates for home.


3 fastest growing companies on NASDAQ

In order to grow fast, a company must have accelerating and extended sales and earnigs growth; they must have a good business model that can solve problems. The management of the company must be good. Here are the 3 fastest growing companies on NASDAQ.

FireEye Inc. (FEYE)


It has a $3.4 billion market cap.It is a cyber security leader today. It provides virtual-machine based security platform. More than 95% of FEYE’s customer evaluations have identified malicious activities that came from outside. They can even stop outbound theft of valuable intellectual property. Initially, the company’s stock price struggled due to high valuations and the lack of financial discipline. As they have a new CFO now, the financial discipline has returned to the company. Last year, for the first 9 months, the operating cash flow was +$28 million. There revenue growth was 55% for the first 9 months of last year. The gross margin of FEYE is expected to be 72%-74%.

Martin Marietta Materials (MLM)


This has a $9.2 billion market cap. It is one of America’s premier suppliers of aggregates, that is, sand, crushed stone and gravel. MLM has significant pricing power due to the localized nature of the aggregates industry and the high cost and political obstacle of building new quarries. During the third quarter of 2015, MLM’s gross margin increased by 480 basis points to 77% year-over-year. The prices of aggregates are expected to rise by 4% annually.

GoDaddy Inc. (GDDY)


It has a $5.2 billion market cap. It is the premier holder of the digital real estate. It is also the leading hosting provider for small businesses and individuals. It has 13.6 million customers and an inventory of more than 61 million domain names. For the year 2015, the company had revenue growth of 16%. It is expected that in the long run, the company revenue will continue to grow at 15%.

These companies are expected to grow more in the future. The other companies who are falling behind must look into the management style and other aspects of these companies and learn from them in order to move forward.


4 things to keep in mind before investing in the market

The market is volatile; you should be careful when making an investment decision. Here are some of the important things you should consider before making an investment decision.

1. Draw a personal financial roadmap

Sit down and take a good look at your financial condition. Identify your goal and risk tolerance. It is better to do this with the help of a consultant. There is no guarantee that your investment will become a profitable venture. But if you plan intelligently, then you can gain financial security over the years.

2. Evaluate your comfort zone in taking on risk

There is some risk in every investment. If you are thinking of investing in stocks or bonds, make sure you understand all the terms and conditions before investing on them. If you take greater risk, you will get more potential return. If you have a financial goal with a long time horizon, then there is more chance of making money by investing in asset categories with greater risk. For short-term financial goals, cash investments are better.

3. Consider an appropriate mix of investments.

The investment returns move up and down under various market conditions. By investing in multiple asset categories, an investor can minimize the risk of losses. So, you will get a smooth return on investment. If you incur loss in one type of investment, you will make profit in another; so your loss will be neutralized.

4. Avoid situations that can lead to loss

Scan artists often use a much publicized news item to attract investors. They do everything to make their opportunity sound more legitimate. You must do necessary research and checks before investing in anything.

Investment is a huge decision; it involves risk. You should not take such decision alone. You should talk to your family members and friends before investing. You should also take help from a professional in this area before investing in any venture.


5 reasons why it is a good time to invest in real estate

There are lots of opportunities for investing in real estate this year. Here are the reasons why it is a good time to invest in real estates.

1. Interest rates of mortgage are low

The mortgage interest rates are low now, so it’s a good time to take loan for buying a house. The monthly repayments will be easy to make.

2. High volume of foreclosures

Due to the downturn of the real estate market few years back, the former homeowners have been displaced due to foreclosure. So, there are many renters in the market. Investors can now buy rented properties, and so don’t have to pay any mortgage payment.

3. Real estate prices are at a low

Real estate is cheap now in many areas. For most people, housing is the biggest expense; so, you may consider relocating to a place where you can get a good property at a reasonable price.

4. The short sale market

The short sale market has created great opportunities. It lets you get a non-foreclosure home at a good price. Short sale is a better option than foreclosure; as with foreclosure you don’t know the background of the previous owner.

5. Real estate is a very good long-term investment

Real estate is a good long-term investment. It is valued much higher than it was years back. It is a very profitable investment.

If you decide to invest on real estate, talk to an investor consultant. He or she will help you to look through possibilities and help you take the right decision.