Ahhh…Where did Everything go?

Marci • May 26, 2013

How a Simple Backup Can Save You a Ton of Money, or A Common (and Costly) Web Mistake and How to Avoid It.  Your website is down after a move to a new server or a virus. Now what?  The answer depends on how prepared you were!

Did you have a backup of your website? If the answer is Yes, then great, you are one of the few that have backed up your web data or had a trusted web partner do it for you. If your answer is No… you are the majority. You probably figured nothing has ever gone wrong in the past so why would it now? You might even think the people you pay to host your site have it stored somewhere. THINK AGAIN.

Problems After a Move
Your hosting company moved your website to a new server or upgraded the server. Once it was moved, your site no longer had the functionality it once did, if it was able to run at all. The technology of the web server is now top notch, but the technology of your website may be out of date and incompatible with the latest and greatest.

The Dreaded Virus
Many web hosting servers are a favorite target for hackers. Why? These servers host thousands of websites which, in turn, see many visitors on them each day. What better way for a hacker to get more bang for their destructive buck than going after web hosting servers?! It’s safe to say that many viruses will not affect a website’s ability to function, but we have seen viruses that can bring a website to its knees.  As we learned above, it’s not the responsibility of the hosting company you use to keep a backup of your site.

So, how do you get your site back up after one of these disasters? Simple Answer: Be prepared to spend a lot of money, especially if you need it done ASAP.

However, this can all be avoided if you:
Make sure your domain is registered in your name and the contact details are up-to-date
Make sure you have a current copy of your website files (daily/weekly/monthly/annual) to restore from
Make sure your web platform technology and plug-ins (CMS) are kept up to date
Scan your site for viruses regularly
With a “Honey Do” Maintenance package from Get Jacked, not only can the prepaid hours be used for everyday maintenance of you website, they can also be used to ensure you have your domain registration in your control, there is a backup being kept of your website on a schedule that makes sense to your business, your web platform and plug-ins are kept to the most recent versions, and your site is regularly scanned for viruses.

By having a plan and a trusted partner beside you, you can rest at ease knowing everything is in place to prevent your site from going down, and if something does go wrong, you can quickly get your website back up without spending tons of money.

Blog Courtesy of our friends at  getjackedaboutit

 

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RRSP Home Buyers’ Plan Explained: A Smart Way to Buy Your First Home

By Marci Deane • July 22, 2026
Saving for a down payment is one of the biggest challenges first-time buyers face. What many don’t realize is that the Canadian government offers a program designed to make it easier—the Home Buyers’ Plan (HBP) . This program allows you to withdraw money from your RRSP to help purchase your first home, without immediate tax consequences. Here’s how it works: Who Qualifies? To be eligible, you generally need to be a first-time home buyer. In practical terms, this means you must not have owned a home in the past four years, nor lived in a property owned by your spouse or partner during that time. There are also special allowances if you’re living with a disability or helping a relative with a disability. In these cases, you can use the HBP even if you’ve owned a home more recently. How Much Can You Withdraw? Under the program, you can access up to $35,000 from your RRSP as an individual. Couples can combine their withdrawals for a total of $70,000 . These funds must have been in your RRSP for at least 90 days before you take them out. Paying It Back The HBP isn’t “free money”—it’s an interest-free loan from your own retirement savings. You’ll have 15 years to repay the full amount back into your RRSP, starting in the second year after withdrawal. Each year, the CRA will send you an HBP Statement of Account outlining how much needs to be repaid. If you don’t make your repayment in a given year, that amount will be added to your taxable income. Why It’s a Smart Strategy The HBP can give first-time buyers a powerful boost toward homeownership. It helps you put together a larger down payment, which can reduce your mortgage amount and monthly payments. Just remember: it’s important to balance the short-term benefit of homeownership with the long-term impact on your retirement savings. Next Steps Thinking about using the Home Buyers’ Plan? Let’s sit down and review whether it’s the right move for you. Together, we can create a strategy that gets you into your first home while keeping your future financial goals on track. 📞 Reach out anytime—it would be a pleasure to guide you through the process.

Bank of Canada Holds Rate at 2.25% — July 15, 2026

By Marci Deane • July 15, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The tone of today's announcement is notably more optimistic than previous months. Here's what's changed and what it means for you.

Let’s Talk About Getting Top Dollar for Your Property

By Marci Deane • July 8, 2026
When it comes to selling your home, most people think the first call should be to a real estate agent. But the smartest first step often isn’t with your agent—it’s with an independent mortgage professional. Why? Because your mortgage plays a bigger role in your bottom line than most people realize. Planning to Buy After You Sell If selling means you’ll also be purchasing another property, you’ll want to know exactly where you stand financially before listing. Mortgage rules change regularly, and qualifying once doesn’t guarantee you’ll qualify again. Getting a pre-approval in place ensures you know what you can afford and eliminates surprises later. On top of that, reviewing the terms of your existing mortgage could uncover options you may not have considered. For example, porting your mortgage instead of arranging a brand-new one could save you thousands. Selling Without Buying Even if you aren’t planning to buy right away, there’s still an important step: understanding the cost of breaking your mortgage. Unless your mortgage is open, penalties apply—and they can be significant. By reviewing the numbers with a mortgage professional, you might find that simply adjusting your timeline could reduce or even avoid costly fees. Navigating Life Changes In situations like a marital breakdown, it can feel like selling the family home is the only path forward. But that’s not always the case. With the right guidance and a legal separation agreement, one spouse may be able to buy out the other, keeping the home and providing stability for everyone involved. The Bottom Line Selling your property is more than just putting a sign on the lawn—it’s about creating a financial plan that protects your equity and positions you for the best possible outcome. Before you take the leap, let’s sit down and review your options. 📞 If you’re ready to talk strategy and make sure you get top dollar for your property, I’d be happy to connect anytime.