Hello I'm Russell Williams and I lead the online digital marketing course at the University of abime the online digital marketing course introduces students to key strategic and tactical Concepts important for both understanding the marketplace the digital marketing place as well as how firms can develop an uh sustainable competitive position within it at a strategic level we'll cover a couple of different concepts one of the key Concepts we'll start with is something called the soak framework sac standing for situation analysis objective setting strategy tactic or tactics action.
And control a second framework we'll look at is something called the race framework race standing for reach act convert and engage we'll also be looking at the important concept of the customer Journey now this is important concept because it highlights to firms where they can have points of contact with customers as the students engage in their decision-making process and the key thing for firms is to try and have or create optimal experiences for the customer at those touch points now moving away from strategy or coming down away from strategy into tactics something about those actual touch points where firms look to engage directly with customers or potential customers will consider a number of important Concepts so for example we'll look at uh the customer experience what exactly do we mean by experience is experience given to the customers.
Or can that experience be more optimally co-created with the customer we'll also look at uh service quality service quality is a well-established concept in the physical world but what does it mean in the digital world and we'll be looking at how we tease that out and how we might measure service quality we'll be looking at uh search engine marketing and in particular search engine optimization how is it that firms can create digital assets that will be um highlighted in the search uh processes of consumers or come up when consumers are looking for things we'll also look at the growing Trend and the growing role of influencer marketing so who are these influencers what makes them so powerful is it something about the influencers themselves their characteristics.
Or is it something about what they do their posts we'll also look at the topic of online trust how do we build trust uh when we're out with on normal experience of physical uh in proximity to another person here our engagement with a firm is mediated by a computer or the web how do we how do we send trust signals as a firm to a consumer that makes them feel secure safe to interact with us especially if we're an unknown brand to them and then we'll also be looking at third-party endorsements what's.
The role of intermediaries in helping to establish Trust between uh firms and consumers so we'll be learning about these Concepts through the course and what I want to highlight just to finish this short post off participants Reed dedicated readings they're pointed to specific readings to engage with and these importantly are also complemented by practitioner readings the module is not just about Theory it's about Theory into practice so we'll hear about the theory but we'll also hear about how practitioners are operationalizing that theory but perhaps most importantly the course also has webinars through the semester the course has eight webinars that's face-to-face uh meetings between the student.
And myself the facilitator the course coordinator and in this webinar or these webinars we'll have the opportunity to test some of these Concepts uh look at how they are applied or could be applied and maybe the limits of their apply action in particular context now finally as a footnote to this introduction we're also going to be introducing uh the concept of AI and augmented reality and virtual reality what do these Concepts or tools or techniques what are they adding to digital marketing or what will be their role in digital marketing going forward I look forward to working with you.
In this session I'm going to demonstrate how to create queries from multiple tables in an Access database we'll create those queries using the query wizard and then in the next session we're going to the advanced query method in order for us to create queries from multiple tables we need to first make sure that the tables have been linked via these relationships here so you can check that from database tools and then relationships and you should see these links and notice here that we have a customer stable just linked to the contacts table so let's say that we want to create a listing or a query as a technical term is of the customer ID the first name last name street address and then this is if state and then we want to also list the contact information for these customers so here's how we do that we'll close this first and.
Now we go here under create and then we go under query wizard and then click on ok and then we are going to go first to customers we're going to pick customer ID first name last name street address cities dibs and then we go to the next table here we go under contacts and then we'll pick up the contact number and then the amount date and type then we click on next and then click on next again and then here is have some kind of meaningful name and then finish notice at this point we have the list where the data that we requested customer first name last name and such and the data has been pulled from both tables so that is creating a query using the query wizard you could do also the similar thing as well if we save this now we can go and create one for invoices so let's say rather see the contract and how many invoices remain to be paid.
So we go here under query wizard and then go under simple query wizard again and we can do this with two other tables so we can go under contracts we can get the contact number and then we can go under invoices and then pick the invoice number the date and whether it's what's paid or not and then next and then give it a meaningful name click on finish and here we have a contact number the customer ID the contract amount date the type the invoice specific number to date that the invoice was issues and whether the invoice was paid so next we are going to learn how to utilize the advanced queries in a database in this session I'm going to briefly demonstrate how to utilize the query design in Access 2016 so far in our access tutorial we have learned how to use the query wizard in defining and designing a query but in most cases in Access 2016.
And previous versions of access a more effective way to utilize queries and design queries is to use a query design the way that works is that instead of you going through step by step and adding specific fields in a query you can actually design this query using this method so to utilize the query design we click here a query design icon and then the big idea here is is that you pick the tables that you want to work with initially so in our case here the tables have been linked by using the relationship module that we saw earlier and now we'll pick the tables that we want to utilize and then click on okay typically the relationship looks like this so we have customers then we have contacts and.
We have invoices the way it works is that you have these tables here with all the different fields from each table and you pick specific fields from each table and you're creating in your query so for example we want here first name last name and let's say the invoice number and typically you can either double click on these fields that you want to add to the query down below or you can simply drag these fields down here like we did a moment ago if you double click on this asterisk sign it will insert all the fields that are part of that table now here we want for example.
The invoice number the contract number and double clicking at this point the item and the amount and then we want also whether it was paid or not now let's assume that these are the fields that we want in our case now you can run this and see what it looks like notice you have the first name last name actually I kind of backwards you can readjust that we can go back and readjust it and.
We have invoices paid or not if we want to tweak this query again we go here under design mode and go into design view and then tweak this again so if we want it prism first name to be first simply drag this to the left and once we move the field four way we want to customize this view the way we want then we can run this again and now no this first name is in the beginning and then you have last name and so on so that's how you briefly utilize the query design in Microsoft Access 2060 in an Access database notice as well if we go back here to the design view you can define the sorting order you can define specific criteria whether the criteria is either.
Or different various criteria by the various fields here and that's what we'll learn next and before they finalize its completely here notice also there are additional parameters that you can utilize here and we'll cover this shortly as well such as the query builder and the totals field and such in this session I'm going to briefly demonstrate how to utilize criteria how to define the criteria within a query in Microsoft Access 2016 using a query design so here's how it works let's say we have this query here called the invoices in contract actually have not named this yet it's query number one we go here under a query design view and now let's say that we wanted to see for example only the invoices that have not been paid if we go under the invoices table and notice here that this is.
A yes or no field to enter a criteria so we see only the invoices that have not been paid we go here under the design view and what we want to do is here under invoices paid notice there is an option for criteria there is a row here that we can put a criteria for this specific field so we want to display only the invoices that have not been paid in that case we want to display those that meet the criteria for no so we simply have to put no in there and now click somewhere else outside of this area and then around this query now notice it's displaying only those that have not been paid if we want it to display the text here whether yes or no or invoices paid earn with the wording no next to it just to be sure we make sure that this check mark and by the way that should be there automatically make sure that has the check mark right here now if we go.
And put on it again notice it says invoice paid no and it's displaying only those if we want to hide that field we go back to this view and then just take out the checkmark and then run it again and it will not display so that's how you insert a criteria within a query using the query design now you can add multiple criteria's as well if we run this query right now notice that there are invoices ranging from a thousand dollars to more than thirty thousand here so let's say we want to see only the invoices that have not been paid of greater than ten thousand dollars so to insert that criteria we go back to the query design here and then under the amount for the specific criteria we want to put them so the both criteria will be met we say greater than equal ten thousand.
And then click anywhere outside of this field and then run this.
So we are saying we want the criteria all these fields plus the amount needs to be greater than or equal to ten thousand and then the invoice needs to be not paid we run this and now notice we have all these invoices display the other thing that we could do is we could sort this and we can go back here to the design view again and customize this further so under the sorting criteria we say we want to sort this in descending order let's see the largest amounts first followed by the smallest ones so notice we are doing things so far click on the run again and now notice the one hundred and five thousand dollar invoice comes first and then the rest are following that then if we go back to the design view we can even insert as many criteria's.
As you want and I hope you get the idea so you could sort for example by a specific zip code or by a specific city and so on under city for is only if I wanted to add an additional field and I want to insert it right there just simply drag it in there and then we could have various criteria so right now I don't have any criteria by city and.
If I run it now this is just going to display the city but let's say that I want the city Lansing or Holland so I'm display those two cities now in my case here I can go back to design view and I'll enter two criteria so one of them will be Lansing and you have to type that correctly and I can say or Holland so it could be either one of them and then run them notice it is displaying only the city Lansing or Holland but then notice that the criteria is not quite what we were expecting earlier notice that we have 2500 says no longer just 10,000 or more the reason for that.
Is because we have here in our criteria stating that the criteria could be Lansing greater than 10,000 and invoice is not paid or anything from the city called Holland so we either have to move this up here or here why is the criteria either or that we are using earlier but then keep in mind that it's not going to apply so we have to put them like this with a or here and the additional two criteria's then we run it and notice these are the only clients that have not paid their invoices yet with the greater than 10000 balance and only Lansing or Holland just for those two cities so that's how the query design works with multiple criteria's within the query you.
Everybody these days needs the help of an attorney at one time or another, and having meaningful access to the courts is really a fundamental right under our constitution and the first amendment. So many Americans that really do require legal help, they often fail to seek it, and there are several explanations for this reluctance for why the public fails to go out and get a good attorney. The first is the perceived high cost of having an attorney. The second is that they don't know where to find the right attorney, and the third would be just the general apathy or malaise to confront their legal issue.
But the American Bar Association recognizes over 80 areas of legal specialties and in many states, attorneys aren't even allowed to say that they specialize in a specific area and that can also be confusing and can deter the public from calling.
So having a legal plan, a group legal plan overcomes a lot of these obstacles. They're more popular these days and they're available through an employer benefit plan or they're also available now through independent insurance providers. And they eliminate many of these obstacles and they help the public get equal access to the legal system.
Group legal plans work a lot like medical insurance and the employee pays into the plan if they ever need a lawyer for basic legal services such as a prenup agreement or a real estate closing or a will or even a bankruptcy, they can call on their plan administrator and they'll get a referral to an attorney that's within the insurance network. So even though the plans do not offer blanket coverage for all legal needs, at the very least, at the very minimum, they offer protection for the minor stuff.
Or the more routine services lawyers would call them the more mundane, but they're just as important.
They include like adoption, divorce, juvenile court proceedings, property protection in my world, real estate transactions or traffic matters, you know, things like that. The availability of legal hotlines also allows consultations for people over the phone and helps people better understand their legal rights without even having to go to an office. So the public, hopefully can view attorneys less like legal bulldogs and more like, you know, advocates, we're problem solvers, but you know, the legal plans, they have their critics.
Number one, if you don't use it, you're paying for a benefit it's a waste of money, but number two, you only get simple services.
So, the critics say that you know, you're, not getting more important services such as business matter issues, copyrights appeal, tax preparation, well, that's not going to usually be covered. Neither is litigation if you're bringing a lawsuit. So the plans will cover like a defensive action or if you're being sued to defend that, but you can't bring an action under these programs. Another criticism is that you are dealing with less experienced attorneys on these plans and they're usually not experienced with more challenging litigation. One other criticism is that when you're paying for lower fees and you're getting less experienced, you're going to be settling sooner and the documents might be rushed.
Finally, a lot of the critics will say that, well, you can get a lot of these programs through your homeowner's insurance program or your auto insurance for the bigger cases. So why would you pay for this plan? The last thing I would say is that just because an attorney is in a plan doesn't mean that you can't find a cost effective attorney outside the plan.
There are a lot of attorneys outside the legal network who are willing to work with you on a payment plan or just a more competitive rate. And that's really what the legal program provides.
For me, the pros of a legal plan, the public is getting better access to legal advice through hotlines and, through newsletters. But the basic problems can pretty much be resolved by telephone and you're getting basic legal documents. You're not getting the most complicated documents, but you'll get simple wills, short correspondences by phone, if you need something more involved you'll have to go into an attorney's office through the network, but then the network will give you a discount. So take advantage of that. So while the service might not be completely covered, it's still made affordable through the group legal program.
My thing is that with the pro of a group legal plan is just access, but if you have a legal plan in your employee benefit package, you should really take a moment to see what the plan covers and you should take into consideration what I just told you about the pros and cons of using attorneys in a legal plan.
Still the best way to find a competent attorney is to check both their professional peer reviews and their client reviews. Also, take some time to interview several attorneys before you hire, regardless if they're in a group plan or not, you know, even if they're not in a legal plan, again, you might find them more accommodating when it comes to legal fees and they might even be more effective, just remember, in my world nothing of value is free, and nothing of value is deeply discounted. So, I'm David Soble and I really appreciate you taking the time for watching. Take care.
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- Hey, there's a lot of videos out there talking about funding your living trust and I have a few myself, but no one talks about what types of assets you should not put into your living trust. Well, in this video, I'm going to break that down for you. All right, let's get started. All right, so as I stated, when it comes to funding the living trust, we have this preconceived notion that we have to put all of our assets into our trust so they can bypass probate. However, there are some specific assets you definitely do not want to try to place into your living trust because it can cause negative tax ramifications, or worse yet, it could bring liability to you.
So what is the first asset that you should not be placing into your living trust? Well, that is vehicles. And I mean things like cars, boats, equipment, mules, I dunno, I'm joking there. But the fact of the matter is is that anything that's a title asset that is a vehicle, there's no point in putting it into a living trust because when you pass away, it's very simple to transfer those assets to a beneficiary.
Meaning that all you need typically is a copy of a death certificate in order to transfer that item to another individual.
So maybe you put it in your final instructions in your trust that you want your vehicle, your truck for instance, to go to your son when you pass away, just write it down there. And then, your successor trustee would then see that and then contact the DMV, get a copy of your death certificate, and then transfer that asset or that vehicle over to the beneficiary. So that's the main reason why we're not putting vehicles in the trust or the number one reason why is that you don't need to 'cause you can transfer 'em without having to go through probate. Now, the second reason why I would not put my vehicles into the living trust is basically lawsuits, asset protection.
You see, when you retitle your vehicle into the name of your living trust, you're just exposing the fact that you have a trust to a potential creditor.
So let's assume that there's a car accident and the vehicle is titled in the trust name. I can guarantee you the plaintiff's attorney, if you're the one that's at fault or the person driving your car is the one at fault, they are going to name your trust as a defendant in a potential lawsuit. So if you want to keep your trust out of lawsuits that are related to vehicle-type accidents or boating accidents, do not put those types of vehicles in the name of your living trust. Keep them in your own name. Now, the other reason, third reason why you don't want to put vehicles into a living trust has to do with insurance.
You know, it just comes down to this, that insurance companies, they seem to get really confused when it comes to figuring out, how do you insure a vehicle that's in a trust name? And so I tend to avoid placing vehicles of any sort into a trust because people just can't figure it out.
Now, there are certain instances where, "Hey, you have to go around, you have to shop for insurer, and you want to definitely put it into a trust if you're looking for anonymity because you've had problems with people in the past and you just don't want that vehicle in your name," I get it, that would make sense. But keep in mind that insurance can be problematic when you're putting a vehicle into a trust. Okay, now, what other types of assets should not go into a living trust?
Well, annuities, right? So annuities are like 401k's or IRAs. These types of assets stay outside of your living trust. In fact, they are trust agreements themselves.
Most people are not aware of this.
And so if you were to try to take that asset and change it over to your living trust and make that the owner of these assets, what you could be doing is creating a taxable event for yourself, basically a liquidation of the asset. And then all of a sudden, you would have immediate tax consequences or you would invalidate the special nature of that particular investment that you're holding. So you want to keep your IRAs, your 401k's, your annuities, do not place them in a living trust. What you'll do with those types of assets though is you'll list your trust as the beneficiary. So when you pass away, then those assets would automatically be paid over to the trustee of your trust or they'll continue on under the control of your trustee to be paid over to the beneficiaries of the trust.
Now, when it comes to 401k's and IRAs and holding those in your trust after you've passed away, it's very important that you set up your trust with explicit provisions on how you can stretch out the control of those assets after you've passed through your trust.
And this comes into play when you have younger beneficiaries, for instance, and you don't intend to leave them the asset outright. So this is a huge mistake that I find with a lot of individuals that we work with on the estate planning side is that they have their 401k or their IRA. And when they opened up the account, they were asked to designate a beneficiary. And many times what they'll do is you'll list your spouse as your initial beneficiary.
And then, there'll be another line for you to list, an alternative or contingent beneficiary if your spouse is no longer living. So people will think, all right, well, I want it to go to my kids.
And so they'll list their children's name down as the contingent beneficiaries, not thinking about the fact that maybe in your estate plan, your kids are not going to receive your estate assets until they hit 45 years of age or some age maturity. But if you were to pass away and your children were 23 and 24 and you have IRAs and 401k's with $600,000 in total value, the children would receive those assets outright if your spouse was no longer living. Maybe you and your spouse are both killed in a car accident, for example.
Then, these assets would pass outside of your estate plan. So with IRAs and 401k plans and annuities, yes, they operate outside of the estate plan but we make the estate plan, the living trust the beneficiary and we give that control over to the trustee to ensure that those assets gets distributed out in a responsible manner per the terms of your trust.
Now, another asset that I would keep outside of my living trust is my life insurance. So this is another example where life insurance, you can name beneficiary, does not have to go through probate. And so that's one of the things that we always look at when we're thinking of assets that we either place or not place into a living trust.
It's that if you can bypass probate, then there's no need to put that life insurance into the trust. What you could do, of course, is name your spouse, just like you did with your 401k, as your primary beneficiary if you're married. And then, have your trust named as the contingent beneficiary. So then, it would receive the life insurance proceeds if your spouse was no longer living. And so I think that's a preferable way to do it or if you might want to consider this, if you have life insurance and it's of considerable value and you live in a state that has a very low estate tax, meaning that if the value of your state maybe is over $2 million and you have a $2 million life insurance policy, maybe you ought to consider setting up an irrevocable life insurance trust.
Actually putting that life insurance policy into a trust to make sure it's not included in your estate. So it would not go into your living trust, but it would go into its own separate trust that is to avoid being included in your estate for estate tax purposes. So those are the main assets when it comes to funding the living trust that you should keep out of your living trust. Put everything else in, of course. It's important you get your trust fully funded.
Otherwise, you will or your state will end up in probate for those assets that are not in there. But the ones that I went through easily pass outside of probate. You just want to make sure you have the proper beneficiary designation so that your estate plan goals are carried out appropriately.
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A lot of curious people have asked me what my thoughts are on Legal Shield and similar companies like MetLife Legal and you know I've been an attorney for over 13 years and I've actually had quite a bit of experience with companies of this nature I have no affiliation with them I just had experience with them and I've heard feedback from others now the first bit of feedback that I've heard is that some of these companies feel kind of scummy they're often times set up on a commission.
Almost with multi-level marketing type structures where somebody is really trying to sell you to get their memberships and they're really pushing you and pushing others to subscribe on sort of a multi-level marketing type basis I've heard the comparison made to extended warranties terrific.
Just sold an extended warranty for a basketball for some people extended warranties on your motor vehicle are a great idea but if you're the type of person that doesn't like getting texts and things like that about why your vehicle's almost out of warranty and why you should sign up with whatever this company is to get your extended warranty then maybe you're the type of person who doesn't love the idea of a company like LegalShield which is kind of a a salesy type of thing number two.
I've heard that it's hard for companies like LegalShield and met life legal to attract attorney providers who are really high quality now I don't want to paint with a broad brush and say there aren't quality attorneys that do work for these organizations I know that's not true but I do understand why that feedback from people might exist I think.
Of the analogy of the struggling restaurant that offers a lot of coupons because they're having a hard time bringing in business you know the busy Steakhouse that has a line around the door, they typically aren't offering big coupons on their steaks because they don't have to because there.
In such demand and companies like Legal Shield and MetLife and all those they ask the attorney providers to give a rate reduction now if you're a really high quality attorney that has kind of a line around the door you're in such high demand why would you offer a discount if you're already in high demand without offering a discount do I want the kind of attorney who's willing to offer discounts or do.
I want the attorney that's in demand such that he doesn't feel the need to offer coupons number three, and I think this is probably the most important is that you are really.
Don't get to pick from the full pool of attorneys in your community if you go with a Legal Shield or MetLife.
Now let me kind of be more specific let's say you need a trust d well you probably don't want to go to just sort of a general provider that MetLife or LegalShield offers you really want to go to the expert the guy who's written thousands of wills and trusts um and if you let's say you got bit by a dog well you probably want to go to the dog bite lawyer you know there are attorneys out there that only handle that type of case when.
You're shopping for an attorney the cheap attorney is not necessarily the best attorney you've heard this saying Penny wise pound foolish well that is definitely true with lawyers who cares if they're cheap if it's not the right lawyer for your case.
I don't want you to think that I'm bashing these companies like Lega.
Shield and met life legal I think they have a purpose you know I've heard feedback that when you need something like a simple demand letter maybe you have a pesky neighbor whose fence is giving you problems well I've heard feedback that these companies do a good job with an attorney to prepared demand letters and things like that and.
I don't want to paint with a broad brush and say that there are no good attorneys that work for these organizations I'm sure there are I'm just talking about my own experience.
And the experience that I've had is that the quality of the work is not topnotch.
I haven't seen for example a high-quality last will in Testament come out of a legal services provider company that's just my experience and the feedback I've heard from others is similar and so.
I think you need to as you're shopping for these things be eyes wide open and instead of shopping for maybe the cheapest attorney maybe you search for the right attorney for your particular need.
I'm on with Mark, and in this video, I'm going to be reviewing over Wealth simple. Wealth simple I've been using them for over eight years now, and they have changed a lot since my last video review. So, let's dive into the pros and cons of Wealth simple. So, you know, if it's the right choice for you. Now, Wealth simple started as just an investment app.
They had two products. They had managed investing where they had a robo investor do it for you or they had self-directed investing and allow you to open up a TFSA, ask P and now an HSA tax advantaged investment investing accounts and also a non-registered one.
And then Wealth simple started expanding their services. They now provide tax filing, my favorite tax filing software. They also provide an actual cash card that you can use to spend on all your transactions.
And they now provide a high interest savings account, too. And they've now also gotten into crypto, allowing you to buy and sell and hold crypto in your Wealth simple account. And when they started this massive expansion into all these different financial products, I didn't really like where they were going because they had a new app for every single feature. But over the last couple of years, Wealth simple has combined all of their apps into one simple app, and that is the Wealth simple app.
Mind you, the taxes are still it's on app, but it's still connected, so it works very seamlessly.
So some of the pros of Wealthsimple, they have no fee self-directed investing accounts. So that means you do not get charged when you buy index funds in your TFSA or RSP or HSA. They also have a high interest savings account and it's one of the highest here says high interest savings accounts that you can get in Canada. And with their cash account, you earn 1% back on all of your spending. And they also have features allowing you to automate your deposits into your retirement accounts and your investment accounts, and also automate the purchasing of your ETFs, index funds or stocks or crypto inside your accounts.
You can even automate your dividend reinvesting. So, whenever you get paid a dividend, it automatically buys more of that index fund.
And of course they allow you to do transfers, direct deposits and bill payments, all for a $0 monthly account fees, which is way better than the big banks, which all charge anywhere between 8 to $25 a month for just basic banking accounts. And if you are ready to sign up for Wealth simple, you can kickstart your account up by getting $25 for free. Using my link down below.
And one thing that as an entrepreneur, I really love a Wealthsimple is they actually allow you as a small business owner or an entrepreneur to set up a corporate high interest savings account or a corporate investment account. Now, you don't you get to do self-directed investing through a corporation with Wealthsimple. But I set this up for my business and it works awesome. I love being able to put my cash in there and put money away into investments and have it just grow automatically. And personally, I've been using Wealthsimple to hold my crypto, which is only a small portion of my total investments, and also to do my self-directed investing because they are a zero fee brokerage.
They're one of my personal favorites and it's a very, very easy to use. And now one of my favorite features of Wealthsimple, which I didn't know in Start until I went traveling down here where I am right now in Mexico, which is Wealthsimple, Tash, which is the card, actually has $0 fees on foreign currency transactions. Now, that's huge because typically when you're traveling or even buying something from the U.S.
In U.S. dollars currency, you are going to be charged anywhere between one and a half to two and a half percent for just exchanging the currency. So it's basically like a two and a half percent tax on all of your spending. But Wealthsimple has eliminated that fee, which has allowed me to save over $300 already in my travels to Mexico here. But of course, there are always some downsides.
So here are the downsides of using Wealthsimple, their saving and spending features where you have your actual card in a high interest savings account. You only have the one high interest savings account where other fintech companies like Cojo or Neo Financial allow you to add and create multiple savings accounts so you can save up for a house in one account and then a car repairs and another account or a vacation in another account. And I really like those features. Wealthsimple does not have that. You only get the one high interest savings account.
So all your money is in one bucket. And in terms of your spending analysis and your actual savings, their features are relatively limited when looking at a comparison like COA. So there's no joint accounts. You can round up your spending to the nearest dollar and put that away in your savings. They don't really have a lot of those features.
And the last con that I have, which is a really small nit picking thing, it's sometimes hard to find certain features like when I want to exchange my Canadian dollars for U.S. dollars in my TFSA. It's actually a pretty lengthy process in order for me to find that where to do that in the app. But overall, Wealthsimple is a pretty awesome app.
I didn't really like them before because they were really complicated to use when they had five different apps going. But now that they've solidified everything into one simple app, it really works well and is quickly becoming my everyday solution for spending, for saving and for investing and of course doing my taxes, which is my favorite tax filing software that I use.
You can watch this video here to actually see where I did a comparison last year when I tried out into my taxes four separate times to find the best tax return in Canada. And if you are ready to sign up for Wealth simple, you can kick start your account off by getting $25 for free using my link down below. So overall, I give Wealth simple a 4.7 out of five stars because I am very quickly falling in love with Wealth simple as my go to app here in Canada to manage all of my finances. And pretty soon I hope to see them do more in the business side of things too, because the Canadian business banking scene is abysmal. And I want to hear what you think about Wealthsimple. Let me know in the comments below this video and subscribe to mine with Mark. If you want more ways to improve your finances, build businesses and work less and live more, so I will see you in the next episode piece.
