Credit features

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Credit feature story

2010 Edition

• Economic recovery or economic slump? (August)

2009 Edition

• Watch for some customer payments to slow even further (March)
• Opening new credit accounts (April)
• Canadian business expectations remain very pessimistic (May)

2008 Edition

• Basics of creditor-proofing (June)
• And now – Who is next? (July)
• Think seriously about continuing education this fall (September)
• A tale of two credit departments (October)
• Catastrophes that cause creditor losses (December)

2007 Edition

• Merger success hinges on effective integration - How integration can make or break a merger or acquisition (May)
• Credit salaries in 2007 (June)
• Best practices in post-merger integration - Proper integration planning can help a transaction deliver full value (July-August)

2006 Edition

• Credit salaries in 2006 (January-February)
• Application of PIPEDA, Alberta and British Columbia’s Personal Information Protection Acts (PIPAs): Key definitions (March)
• Bank’s notification to customers triggers Patriot Act concerns - Part 1 (April)
• Bank’s notification to customers triggers Patriot Act concerns: Findings and further considerations - Part 2 (May)
• Companies need information quality (IQ) boost to drive growth and profitability (June)
• Addressing human capital elements key to effective sustainable compliance (July-August)
• Canadian-based company shares customer personal information with U.S. parent - Part 1 (September)
• Canadian-based company shares customer personal information with U.S. parent: Findings - Part 2 (October)
• Removing paper pre-authorized debits as payment items acceptable (December)

2005 Edition

• TOP 50 of Non-Financial Co-operatives in Canada (January – February)
• Canadian Payments Association Issues New Cheque Specifications in Preparation for Cheque Imaging (March)
• Foreign Exchange Hedging by Canadian Corporate Accounts (April)
• Guide to the Destruction of Documents that Contain Personal Information (May)
• Insolvencies in Canada in 2004 (June)
• Effective Compliance is Its Own Reward (July – August)
• Reform of the Bankruptcy and Insolvency Act and the Companies’ Creditors Arrangement Act - Part 1 (September)
• Reform of the Bankruptcy and Insolvency Act and the Companies’ Creditors Arrangement Act: Commercial issues - Part 2 (October)
• CASE STUDY – Electronic Payment: Large Value Transfer System – A Proprietary SWIFT Outage (November)
• Business Insolvencies for the Second Quarter 2005 (December)

2004 Edition

• Canada ’s other economy (January-February)
• New Federal privacy Act: What impact will this new law have on credit managers and Quebec firms? (March)
• Cybercrime and business fraud pose significant threats to business (April)
• KPMG 2004 Survey on the risk of manipulation of financial statements – Part 1 of 2 (June)
• KPMG 2004 Survey on the risk of manipulation of financial statements – Part 2 of 2 (July-August)
• Insolvency in Canada in 2003 (September)
• The Sarbanes-Oxley Act: Situation in Canada – Part 1 of 3 (October)
• The Sarbanes-Oxley Act: Provisions of the Act relevant to credit managers in Canada – Part 2 of 3 (November)
• The Sarbanes-Oxley Act: Impact of the reforms on credit managers – Part 3 of 3 (December)

2003 Edition

• Warning Signs: Recovery Strategies in Commercial Credit (May)
• Trust & Ethics: Reflections on Credit Risk Management (June)
• Credit Insurance, the Key to No-Risk Open Account Sales (July-August)
• Insolvency Trends 2003: A Special Summary Report - Part 1 of 3 (September)
• Insolvency Trends 2003: A Special Summary Report: Insolvency in Canada’s Major Economic Sectors - Part 2 of 3 (October)
• Economic Sectors - Part 2 of 3 (October)
• Insolvency Trends 2003: A Special Summary Report: Insolvency in Canada's Six Major Regions in 2002 - Part 3 of 3 (November)
• Credit Insurance: The Credit Manager's Best Friend (November)

To the features

Credit manager's corner

2010 Edition

• Good reasons to check your company’s credit report (July)

2009 Edition

• The recession reaches Canada: What can the credit manager do? (January)
• Understanding the financial controller’s case for not paying bills on time (January)
• Will your credit forms stand up to a legal challenge? (February)
• What causes business to fail - Part 1 (April)
• What causes business to fail – Part 2 - Economic dependence (May)
• Amendments to Canadian Competition Act have some possible effects for credit managers (May)
• What causes business to fail – Part 3 - Management experience (June)
• Considerations before suing an account – Part 1 (July)
• What causes business to fail – Part 4 – Cash flow crunch (July)
• What causes business to fail – Part 5 - Business fraud (August)
• Considerations before suing an account – Part 2 – How will the defendant defend your legal claim? (September)
• Financial analysis for today's credit professional (November)

2008 Edition

• Cheque imaging update: Can cheque images be used as evidence in court? (February)
• The changing world of credit (March)
• Winning and collecting in small claims court (March)
• Small Claims Court: Proper parties and all possible defendants (April)
• Credit application strategy: The dream credit application (May)
• Gaining more productivity from collection staff (May)
• The cheque is not always in the mail – unless you make it happen – Collection practices( June)
• Commercial credit analysis (July)
• Reviewing importance of payment information in the credit decision and monitoring (September)
• Getting the best results from collection agencies and law firms - Part I (October)
• Getting the best results from collection agencies and law firms – Part II – Benefits (November)
• Watching for danger signals (November)
• Red flags of credit application fraud (December)

2007 Edition

• Study: Trade credit and credit rationing in Canadian firms - Part 1 (January-February)
• Study: Trade credit and credit rationing in Canadian firms: Empirical findings on financial motives for trade credit -
Part 2 (March)
• Client visits 10 easy steps (April)
• Company web sites: Getting to know you (May)
• Credit Managers - Know your customer! (June)
• A factor for success! The subtle differences between an insurance policy and a factoring agreement (July-August)
• Do you know the warning signs of your debtor? (September)
• Expanded credit applications due diligence - Beyond bank and trades in Canada and the U.S.A. (October)
• Key steps for organizations in responding to privacy breaches (November)
• The slump in the housing industry in the U.S. is far from over (December)

2006 Edition

• A roadmap to the Sarbanes-Oxley Act - Part 1 (January-February)
• A roadmap to the Sarbanes-Oxley Act: Enhanced Financial Disclosures - Part 2 (March)
• A roadmap to the Sarbanes-Oxley Act: Corporate and criminal fraud accountability - Part 3 (April)
• Predicting insolvency (May)
• Canadian Payments Association issues new cheque specifications in preparation for cheque imaging (June)
• The Art of negotiation - Part 1 (July-August)
• Art of negotiation: The human aspect - Part 2 (September)
• Back-to-back credit on assets: Securities – Part 1 (October)
• Back-to-back credit on assets: Follow up procedures – Part 2 (November)
• Back-to-back credit on assets: Common errors committed by creditors – Part 3 (December)

2005 Edition

• Credit and Collection Policies and Procedures: Basic Elements (January – February)
• Credit and Collection Policies and Procedures - Speak Softly (March)
• Techniques for Better Cash Flow Management (April)
• Setting Credit Limit (May)
• Cost Effectiveness of Disputed Deductions (June)
• Insuring a Credit Decision (July – August)
• Are you Familiar with Interim Loans? - Part 1 (September)
• Are you Familiar with Interim Loans? - Part 2 (October)
• Mitigating Risk and the Cost of Doing Business (November)
• Sarbanes-Oxley Act: Why the Buzz… Should Credit Department Leaders Pay Attention? (December)

2004 Edition

• 7 Observations: The difference between a productive and unproductive credit portfolio – Part 1 of 2 (January-February)
• 7 Observations: The difference between a productive and unproductive credit portfolio – Part 2 of 2 (March)
• Should knowledge management be integrated into credit operations? Part 1 of 3 (April)
• Should knowledge management be integrated into credit operations? Knowledge management versus technology – Part 2 of 3 (May)
• Should knowledge management be integrated into credit operations? Knowledge management versus Training – Part 3 of 3 (June)
• The Large value transfer system (LVTS) payment: a fast, secure and efficient payment option (July-August)
• The financial statement and their contents (September)
• Negotiation between the credit manager and the customer (October)
• Self-audit or self-examination of your credit department (November)
• Cover your assets: Credit policies and procedures, a tribute to the unsung heroes of credit (December)

2003 Edition

• Finding and Getting the Job You Always Wanted (January-February)
• Winning the Never-Ending Search for Talent (March)
• Strengthen your Credit and Sales Relationship with Detective skills (April)
• How Much Credit to Extend? (May)
• Ten Commandments For Credit Managers (June)
• Do You Know The Triangle of Fraud? (July-August)
• What Are You Worth? 2003 Salary Guide (September)
• How to Use the Internet in your Day to Day Work (October)
• How to Analyse and Manage Seasonal Credit - Part 1 of 2 (November)
• How to Analyse and Manage Seasonal Credit - Part 2 of 2 (December)

2002 Edition

• How to Keep Turnover Low and Employees Motivated in Today's Economy (January/February)
• How to Get or Keep the Credit Job of Your Dreams in these Uncertain Times (March)
• Changing the Face of Credit Management: Credit Scoring Models at the R.R. Donnelly Company - Part 1 of 3 (April)
• Changing the Face of Credit Management: Credit Management as a Profession - Part 2 of 3 (May)
• Changing the Face of Credit Management: Credit Management: Art vs. Science - Part 3 of 3 (June)
• The Future of Credit Management Series: There is a Better Way to Manage your Credit Department – Part 1 of 3 (July-August)
• The Future of Credit Management Series: Commercial Credit Management – Part 2 of 3 (September)
• The Future of Credit Management Series: New Crediit Management Tool Number  One – Part 3 of 3 (October)
• How to Get Cooeration from Other Departments (November)
• Improve Employee Motivation (December)

2001 Edition

• What's Going On? (January/February)
• The Entrepreneur in the Year 2001 (March)
• Successful Practices of Credit Managers to Improve Your Credit Department (April)
• The Pause that Refreshes (May)
• Everything I Needed to Know about Collections I Learned from the Movies! (June)
• Adding Value - The Key Ingredient (July/August)
• How to Best Use the Internet in Your Day to Day Work (September)
• How to Keep Yourself Motivated (October)
• CRM (Customer Relationship Management): The Hot New Ingredient (November)
• New Year Resolutions (December)

2000 Edition

• The 12 Most Common signs of Credit Fraud - Beware!!! (January/February)
• The De-Mystification of the Standby Letter of Credit (March)
• The "Networking" of Credit is Endangered (April)
• The Various Benefits of a Credit Department Intranet Web Site (May)
• Hiring Freeze - How to Get the Job Done With Fewer Employees (June)
• Should We Grant Credit After Insolvency? - Part 1 of 2 (July/August)
• Should We Grant Credit After Insolvency? - Part 2 of 2 (September)
• How to Keep Your Staff Motivated (October)
• Top 10 Reasons Why Credit Professionals Have to Play an Active Role in a Professional Credit Organization (November)
• Do You Have a Formal Career Plan? (December)

To the features

Collector's corner

2010 Edition

• It’s time to face up the collection challenge! (January)
• Automated proactive A/R process best practices – Facilitating your dash for cash (February)
• “I’m gonna’ tell!” (March)
• They have never needed us more! (April)
• No access to collectors (May)
• A change in the relationship (June)
• Good cop / Bad cop (July)

2009 Edition

• Strenghtening your collection procedures – Part II – Developing appropriate and efficient collection procedures (January)
• Strenghtening your collection procedures – Part III - Internal methods of accelerating cash inflows and collections (February)
• Strenghtening your collection procedures – Part IV - Effective collection practices: Selling your ideas (March)
• Strengthening your collection procedures – Part V - Effective collection techniques: Assertiveness (April)
• Payment plans and payment arrangements (May)
• 19 characteristics of the most effective collectors (June)
• Twelve simple ideas to manage accounts receivable (August)
• Handling cheques marked “payment in full” (August)
• Can a visit to the dark side help your collection efforts? (September)
• To improve collections – know when to be specific – when to be general (October)
• New automated collection software solution helping you master today’s collection challenges (November)
• Proactively Anticipate Payment Issues – To Get Paid Faster - Cash on Time – Automated eCollection Solution (November)
• Proactively Prevent Past Due Accounts - Don’t Wait until it’s Too Late – Cash on Time – eBilling Solution (December)

2008 Edition

• No more deadbeats! (January)
• Measuring credit and collections results (April)
• Friend or foe? (May)
• So, think you know collections? (July)
• Strengthening your collection procedures - Party I (December)
• Collecting during the Christmas Season (December)

2007 Edition

• Pay attention when making the collection call (January-February)
• A collection con job? (March)
• Terminally ill (April)
• Debtor or animal? (May)
• The last of the collection letters (June)
• 10 Rules for collection performance - Part 1 (July-August)
• 10 Rules for collection performance - Part 2 (September)
• JUST collections? Not if YOU have something to say about it! (October)
• Are you threatening me? (November)
• Focus on collection performance (December)

2006 Edition

• Picking up your collection efforts (January-February)
• Collector’s Corner Quiz (January-February)
• For the want of a nail... (or a screw) (March)
• A collection Peter Principle (April)
• Crossing the line to collect more money (May)
• Who has experienced collectors? (June)
• We were wrong... Then! (July – August)
• CRAZY?... Like a fox! (September)
• QUIZ - Stay on top of your receivables - Part 1 (October)
• QUIZ - Stay on top of your receivables - Part 2 (November)
• Holidays and collections, a fine balance (December)

2005 Edition

• Case Summary: Excessive Disclosures in the Pursuit of a Debt (January – February)
• CASE STUDY: Receivables (March)
• Strategies for Managing your Accounts Receivable (April)
• It’s all in the Timing! (May)
• The Top 10 Ways to Improve in-House Collections (June)
• It Ain’t your Money but it is your Work! (July – August)
• Using Negotiating Power to Collect your Receivables (September)
• Collection Practices: Where and When (October)
• Harmonized List of Prohibited Collection Practices in Ontario(November)
• Honey or vinegar in the collection call? (December)

2004 Edition

• Managing credit and collections – Part 1 of 4 (January-February)
• Managing credit and collections: The simplest things make the biggest difference – Part 2 of 4 (March)
• Managing credit and collections: How to communicate and listen – Part 3 of 4 (April)
• Managing credit and collections: The value of good credit granting and policies – Part 4 of 4 (May)
• Trust yourself - All others get credit checks: Most credit managers look at the ‘’4Cs’’ (June)
• Changes in the Canadian credit industry: Start your collection process as soon as you can (July-August)
• Payment past due: now what? (September)
• How to make a successful collection call (October)
• How to manage your accounts receivable successfully (November)
• Collection Tips: When Perseverence Pays Off (November)
• CASE STUDY: Maximizing cash flow (December)

2003 Edition

• Use C.A.S.H.™ to Strenghen Your Credit and Sales Relationship (January-February)
• 12 Collection Tips (March)
• Collecting the Cash by Saving the Bunny© (April)
• 13 Prohibited Collection Practices in Canada - Part 1 of 2 (May)
• 13 Prohibited Collection Practices in Canada - Part 2 of 2 (June)
• Starting Off on the Right Foot! (June)
• Streamline Your Collection System: Tips & Effective Strategies (July-August)
• How to Recognize Collection Danger Signals Before is too Late (September)
• How to Identify Potential Problem Loans (October)
• Collection Tips: When Perseverence Pays Off (November)
• They Don't Call It "Prime Time" For Nothing! (December)

2002 Edition

• The Relationship between Sales and Credit (January/February)
• The Dynamics Driving Automated Collections (March)
• The Accent is on Collections (April)
• Handling New Accounts that Refuse to Provide Information (May)
• Telephone Collection Techniques (June)
• Ask Carol Column – Excuses, Excuses! (July-August)
• To Reduce or not to Reduce Pay Terms (September)
• Give the Sales Team More Time to Sell (October)
• Training and Review Processes: “You’ve been here for a while, haven’t you? I thought so, it shows!” (November)
• “Connect” with the Sales Team by Walking in their Shoes (December)

2001 Edition

• Strategies to Correct Habitually Slow-Paying Customers (January/February)
• Getting the Sales Department to Cooperate (March)
• How to Collect from Non-Committers (April)
• Collection Tips for Businesses Selling Services (May)
• Improve your Collections from the Software Industry (June)
• The Personal Side of Collections (July/August)
• How to Collect when the Computers are Down (September)
• A Day Late a Dollar Short (October)
• What to do When the "Check's in the Mail" (November)
• Beating the Blockade (December)

2000 Edition

• It is in Your Best Interest to Read This Column! (January/February)
• Got Time for a Nervous Breakdown? (March)
• What's the Good Word? Tips to Build a Debtor Script That Every Collector Should Have (April)
• Collecting From an "F.O.B." (May)
• A New Approach to Collections (June)
• Listen Up! (June)
• Working With and Against Pareto (July/August)
• You Have Less Than Five Minutes! (September)
• Don't Mess With My Customers! (October)
• Ask Carol: The Collections Game (October)
• Ask Carol: Collections Newcomer (November)
• Ask Carol: When are the Best Times to Make Collection Calls? (December)

To the features

Credit news briefs

2010 Edition

• Seeing the end of the global credit crisis, Coface eases 22 country rating outlooks: The threat from bubbles remains treasures (February)

2009 Edition

• RETAIL TRADE: Venerable Woolworths Plc is going out of business in Great Britain (January)
• AUTOMOBILE: Suppliers to big three auto manufacturers appear to be tightening up credit terms extended to their financially challenged customer (January)
• CANADA: Canada succumbing to economic crisis (January)
• RETAIL: 12,000 U.S. retailers predicted to close in 2009 (January)
• Canadian auto parts suppliers face further problems (February)
• CANADA: Business mood turning even more pessimistic (March)
• CANADA: Buy American Program could destroy Canadian businesses (March)
• Amex offers $300 for high risk customers to close accounts (April)
• Credit card debt may be next disaster (April)
• Need evident for deeper and better credit investigations and monitoring (April)
• CONSTRUCTION: Many business people feel federal government stimulus will not have an effect (April)
• Federal government considering allowing banks and other federally regulated financial institutions to offer leasing (May)
• Delayed payments becoming worldwide issue (May)
• STEEL: Companies across Canada will feel ripple effects of steel plant closings (May)
• U.S. credit card reforms which are much needed in Canada (May)
• CREDIT BUSINESS PRACTICES: Federal government instituting new credit card regulations (June)
• COLLECTIONS: Purchase order checklist (September)

2008 Edition

• CANADA: Competition Bureau - Accountants, lawyers, and other professions: Economy would benefit from reduction in regulation (February)
• CANADA: Canadian construction industry to experience similar performance in 2008 as 2007; leveling off expected in 2009 (February)
• CANADA: The revolution begins in earnest in Canada: Canadian manufacturers job losses as the Canadian economy evolves (March)
• CANADA: Bankruptcies continue downward trend in Canada (March)
• CANADA: The good, the bad and the ugly: StatsCan reports corporations earn record profits in 2007 (March)
• CANADA: Business outlook survey – Credit conditions (April)
• CANADA: Canada will escape a recession of its own (May)
• CANADA: Canadian and U.S. economic news
• CANADA: Business bankruptcies continue downward trend in Canada – March 2008 (June)
• CANADA: What happened to the bankruptcy amendments – Bill C-12 update (July)
• CANADA: Credit / Finance management opportunities for improvement and cost savings (July)
• CANADA: Business bankruptcies continue falling but personal bankruptcies rising in Canada (July)
• CANADA: Canada business bankruptcy and insolvency statistics - By province – May 2008 (August)
• CANADA: New report by Grant Thornton suggests auto suppliers at risk (September)
• CANADA: Chrysler exits auto/truck leasing, GMAC cuts subsidized leases (September)
• CANADA: Federal government to stop backing 40-year mortgages (September)
• CANADA: Credit card fraud leads to lengthy U.S. jail terms for two Toronto men (October)
• CANADA: Ownership of existing customers (October)
• CANADA: Venerable Dominion Stores grocery stores to be rebranded to Metro (October)
• CANADA: Business bankruptcies in Canada - August 2008 (October)
• CANADA: Bankruptcies and proposals in Canada - August 2008 (October)
• CANADA: Amazing resilience of Canadian economy continues (November)
• CANADA: Government announces additional support for Canadian credit markets (November)
• CANADA: New PIN credit cards not as secure as advertised (December)
• CANADA: Competition Bureau releases compliance guidelines for business and trade associations (December)

2007 Edition

• CANADA: Canadian Payments Association - Have you updated your cheques to meet the new specs?
Specifications for imageable cheques and other payment items (January-February)
• CANADA: Update on Provincial Small Claims Court limits (January-February)
• MANITOBA: Province boosts access to Small Claims Court (January-February)
• SASKATCHEWAN: Further enhancements to Small Claims Court (March)
• PRINCE EDWARD ISLAND: Franchise laws in force in the province (March)
• CANADA: Canadian Construction Association and the Construction Sector Council release 5-Year forecast (March)
• ONTARIO: Important changes to business law help Ontario compete in global marketplace -
Most significant business law reforms in 50 years set to come into force (April)
• UNITED STATES: Early detection could preclude trade debt - Warning signs could forecast buyer’s financial difficulty (April)
• CANADA: New privacy breach guidelines will help organizations (October)
• SASKATCHEWAN: Further enhancements to Small Claims Court (November)

2006Edition

• WESTERN CANADA: Competition Bureau Challenges Proposed Grain Handling Joint Venture (January-February)
• PRINCE EDWARD ISLAND: Legislation Proposed to Allow for Limited Liability Partnerships (January-February)
• PRINCE EDWARD ISLAND: Regulations Proposed for Franchises (January-February)
• CANADA: Global Capital Continues to Flow to Emerging Markets but Tougher Credit Environment Looms;
Canada a Foreign investment Leader (January-February)
• BRITISH COLUMBIA: New Administrative Fees for Debt Collection Industry (March)
• NEW BRUNSWICK: Legislation Would Ensure Fairness in Franchising (March)
• SASKATCHEWAN: Meadow Lake Pulp Limited Partnership Files for Court Protection (March)
• ALBERTA: Freedom of Information and Protection of Privacy Act (March)
• SASKATCHEWAN: Small Claims Court Changes (April)
• ONTARIO Protecting Consumers from Dishonest Business Practices (April)
• U.S.A.: Consumer Credit Reporting Companies Introduce VantageScoresm (April)
• QUEBEC: Real Gross Domestic Product at Basic Prices by Industry (April)
• QUEBEC: Number of US Patents held by Quebec Companies Increased over Last Decade (April)
• SASKATCHEWAN : Regional Economic Development Authorities Work to Encourage Development in the Oil and Gas Sector (May)
• QUÉBEC : La Financière Agricole Innovates by Circulating Regional Crop Insurance Assessments (May)
• UNITED STATES : Tightened Insolvency Law and the Impact of Hurricane Katrina (May)
• ALBERTA: Bill 20 Would Build More Protections into Freedom of Information and Protection of Privacy Act Legislation (June)
• PRINCE EDWARD ISLAND Becomes Third Province to Enact Franchise Legislation (June)
• CANADA: Profit Squeeze Getting Worse for Some (June)
• MANITOBA: Production Grant Will Boost Growing New Media Industry (July-August)
• NEWFOUNDLAND & LABRADOR: Amendments to Fishery International Act Will
Ensure Adherence to Original Intent of the Act (July-August)
• NOVA SCOTIA: Amendments to Propel Nova Scotia’s Wine Industry (July-August)
• CANADA: InterceptEFT partners with EFT Canada to offer Canadian electronic fund transfers to customers (September)
• CANADA: Canadian companies take more risks with receivables (September)
• MANITOBA: Legislation would allow greater access to Small Claims Court (September)
• ONTARIO: New collection agency rules better safeguard Ontarians (September)
• NOVA SCOTIA: New legislation to protect privacy (September)
• QUEBEC: Collection agency - Metropolitan Credit Adjusters and two representatives plead guilty (October)
• ALBERTA: Information and Privacy Commissioner responds to Ryerson study on workplace monitoring (October)
• ALBERTA: Court fines Imperial Oil for violating its operating approval (October)
• ONTARIO: Government modernizes provincial laws -
New Act strengthens the efficiency and effectiveness of government (November)
• ONTARIO: Government to introduce legislation to help internationally trained professionals –
New legislation and internship program to break down barriers (November)
• QUEBEC: Denis Auger, owner of the Maximum Collection Agency, found guilty (November)
• MANITOBA: Legislation improving cost of consumer credit information coming into force April 1 (December)
• QUEBEC: Presentation of Bill 48 - The Act to Amend the Consumer Protection Act and the Act
respecting the collection of certain debts (December)

2005 Edition

• Joint investigation confirms breaches of provincial/federal legislation (March)
• Recent changes to the Administrative Monetary Penalties System regime following
Canada Border Services Agency six-month review (March)
• Hong Kong Now Open to Canadian Beef (March)
• Coface Establishes Canadian Office (March)
• Investigations Find Alberta Businesses Failed to Protect Personal Information from Identity Thieves (April)
• Competition Bureau Participates in the Creation of an Atlantic Partnership to Combat Cross-Border Fraud (April)
• Financial Action Task Force on Money Laundering Releases Update to List of Non-Cooperative Countries and Territories (April)
• Agriculture, Fisheries & Aquaculture Prince Edward Island Launches Legal Action (April)
• British Columbia - New Law Targets Organized Crime (May)
• Alberta - Identity Theft Kit Developed to Protect Businesses and their Customers (May)
• Ontario - Important Bulletin for Businesses Regulations under the Consumer Protection Act, 2002
and the Travel Industry Act, 2002 (May)
• Saskatchewan - Bee Producers Benefit from Legislative Changes (May)
• Alberta - Photocopiers and Fax Machines Latest Security Risk (June)
• British Columbia - New Rules Make Court Cases Easier and Less Expensive (June)
• Newfoundland and Labrador - Seafood Industry Performs Well in 2004, but Faces Significant Challenges in 2005 (June)
• Agriculture Ministers Focus Discussions on Moving Agriculture Industry Forward (June)
• Business Insolvencies – First Quarter 2005 (July-August)
• ONTARIO – Employees Get Nearly $900,000 Payout From Bankrupt Employer (July-August)
• ALBERTA – Commissioner Releases Investigation Report Regarding Use of Video Cameras in the Workplace (July-August)
• First Issue of the International Journal of Central Banking (July-August)
• BRITISH COLUMBIA – Key Changes to the Small Claims Court, effective September 1, 2005 (September)
• MANITOBA – BSE Recovery Loan Program: One-Year Extension of Low Interest Rates (September)
• ONTARIO – Former Betacom Executives Charged With Accounting Fraud (September)
• CANADA-US Border Requirements Impede Trade and Reduce North American Competitiveness (September)
• ALBERTA: Disclosure and Security of Personal Information by a Collection Agency (October)
• Investigations Group, Debtor Compliance: 49 Files Investigated in Less Than Two Years (October)
• ONTARIO: Adopting the Harmonized List of Prohibited Collection Practices (October)
• ONTARIO: Government Supports Small Breweries $5 Million Investment Strengthens Important Industry
and Creates Jobs (October)
• SASKATCHEWAN: Province Welcomes Major Maple Leaf Foods Investment (October)
• CANADA AND JAPAN Sign Cooperation Agreement on Competition Law Enforcement (November)
• Pharmaceutical Industry Briefs (November)
• Reporting on Internal Controls – SOX North Delayed (November)
• ALBERTA: Collection and Security of Credit Information (November)
• QUEBEC: Quebec Economy Boasts Enviable Ranking on International Scene (December)
• CANADIAN STANDARDS ASSOCIATION: New Service on its Website (December)
• BRITISH COLUMBIA: Amendments Update Forestry Legislation (December)
• NOVA SCOTIA: Act to Increase Small Claims Limit (December)
• MANITOBA: Manitoba Agricultural Services Corporation (December)

2004 Edition

• Personal Information Protection and Electronic Documents Act E-kit for Businesses (January-February)
• Federal, British Columbia and Alberta Commissioners Working Together to Ensure Seamless Privacy Protection
in the Private Sector (January-February)
• Quebec’s an Act Respecting the Protection of Personal Information in the Private Sector (January-February)
• The Thomson Corporation Acquires the Institute of Canadian Bankers (January-February)
• Farm Credit Canada (FCC) Supporting Growth of Alberta Agribusiness (January-February)
• Electronic Cheque Presentment Project Moves Forward (March)
• Debtor Compliance: A Pilot Project has been Put in Place by the Office of the Superintendent of Bankruptcy (OSB) (March)
• Equifax Credit Report Security Breach (April)
• Government of Canada Reinstates Legislation to Deter Capital Markets Fraud (April)
• Canada : Top Location for Food Industry Investment (April)
• Legislation to Deter Capital Markets Fraud Receives Royal Assent (May)
• Alberta and British Columbia Exemption Orders (May)
• Joint International Tax Shelter Information Centre (May)
• Enhancements to the Canadian Agricultural Income Stabilization Program (CAIS) (June)
• Strategic Alliance to Combat Deceptive Marketing Practices (June)
• New Web Site Offers Wealth of Information for Canadian Importers (June)
• A Second Bill to Harmonize Federal Law with the Civil Law of the Province of Quebec (July-August)
• New U.S. Cheque Clearing Legislation May Affect Cross-Border Cheques (July-August)
• Reports of Fraud are on the Rise (July-August)
• Canada’s Internet Security Awareness (September)
• Electronic Invoicing Payment Presentment (EIPP) Adoption Growing Among Large Companies (September)
• Examination Request of Transfer of Personal Information about Canadians across Borders (September)
• Indicted for Fraud Exceeding $16 Million (September)
• Strategy to Reposition Canada's Livestock Industry (October)
• Canada and the U.S. Sign Cooperation Agreement on Competition Law Enforcement (October)
• Those who Commit Capital Markets Fraud Now Face New Offences and Tougher Sentences (October)
• Promoting Natural Resource Industries in China (October)
• Federal and Provincial Support for Seafood Industry in B.C. (October)
• Case Summary: A Bank Provides Inaccurate Information to Credit Agencies (November)
• Organizations in Alberta and British Columbia Receive Exemption from Information Protection Legislation (November)
• Farm Credit Canada Provides $3.4 Billion to Agriculture (November)
• Canadian Manufacturers & Exporters (CME) announces RBC Group as New Partner in Manufacturing 20/20 (December)
• Implementation of the National Initiative to Combat Money Laundering -
Limits on Information Hinder Canada’s Efforts Against Money Laundering and Terrorist Financing (December)
• Amendments to Strengthen the Competition Act (December)
• Neurogenesis Biotech Corp. Changes Name to Stem Cell Therapeutics Corp. (December)
• BC Government Takes Steps to Protect Personal Information of Citizens in Outsourcing Arrangements (December)

2003 Edition

• Financial Stress Rises for Canadians (June)
• Canadian CUs Seek To Capitalize On Consumer Disillusionment With Banks (June)
• Decreased Delinquency Rates Revealed in CBA Consumer Credit Collections Study (June)
• "Call Center Of The Year" Awarded To Convergys Corporation (June)
• Canadian And Swedish Joint Ventures Get One-stop Export Credit (June)
• Government of Canada Announces New Measures to Deter Capital Markets Fraud (July-August)
• Technology Aids Agri-Producers in Risk and Finance Management (July-August)
• Financial Executives Less Concerned About Technology Issues in 2003 (July-August)
• International Association of Commercial Collectors Trends in Commercial Collections (July-August)
• Lack Of Efficient System in U.S. For Electronic Bill Invoicing Seen As Hurdle (July-August)
• Intersections and Carlson Marketing Group Launch Consumer Credit Monitoring Services in Canada (September)
• PanGeo Pharma to sell two brands, Vancouver plant to Jamieson Laboratories (PanGeo-Jamieson) (September)
• Survey: Increase In Online Credit Card Management (September)
• Sears Canada Seeks To Set Up Its Own Bank (September)
• Visa Launches Verified by Visa in China (September)
• MasterCard Smart Tool Kit Helps Asian Law Enforcement Agencies Combat Card-Payment Fraud (October)
• Usefulness and Popularity Grows for EDC Over Difficult Year (October)
• Canadian Central signs exclusive agreement with Everlink Payment Services (October)
• Farm Credit Canada initiatives support Canadian agricultural industry growth (October)
• Online Banking Grows Nearly 80% over Two Years (October)
• Privacy laws signal potential for business advantage: Deadline for compliance looming (November)
• Cracking Down on Cross-Border Scams : Competition Bureau Signs Cooperation Arrangement with UK Counterparts (December)
• Federal Solicitor General Launches New Internet Site for Canadians to Report Economic Crimes (December)
• Commercial Transportation System Critical to B.C. Economy (December)
• TransUnion Acquires Banton Technologies (December)

To the features

Credit Internet

2010 Edition

• Tip of the month – X marks the spot for hidden treasures (February)
• Available access routes (April)
• Pieces of PIE – Political, Industrial and Economic forces at work (June)

2009 Edition

• Researching companies from scratch – going local - News at a premium (February)
• Staying alert – setting electronic snares (June)
• Search basics – Fundamental functions apply (October)
• Tip of the month – A tip from the trunc* (December)

2008 Edition

• Bits and bobbles: The cheque’s in the courier, yaaa right! (January)
• The credit manager’s four-legged research stool (March)
• Interesting website for financial managers (May)
• The perils of Internet searches for credit information (August)

2007 Edition

• URLies directory (January-February)
• Researching companies from scratch: Going local (March)
• Have you hugged a librarian lately? (April)
• Search domains (June)
• Credit Internet tip: Viewing information through a search engine straw (July-August)
• Strategy rules: What’s the plan? (September)
• Tactics from the trenches (October)
• Tip of the month: In-titled to more focused results (November)
• Strategy rules: Conquering the wild, wild web (December)

2006 Edition

• XBRL (eXtensible Business Reporting Language) catching on with regulators (January-February)
• Researching people: Finding mini me - Part 1 (March)
• Using the Internet to reach out and touch some... deadbeat - Part 2 (April)
• Becoming a star* searcher (May)
• Setting snares (June)
• Credit tip of the month: It’s the law (July-August)
• A checklist for conducting searches on a debtor - 10 stones to turn over when tracking a debtor (September)
• Credit tip of the month: It’s the law - Bankruptcy (October)
• Finding information on all types of companies quickly and easily - Part 1 (November)
• Finding information: Search essentials - Part 2 (December)

2005 Edition

• Credit Tip of the Month: There’s Newswires … (January – February)
• Credit Tip of the Month: …Then There’s News Wires (March)
• Credit Tip of the Month: The Web News (April)
• A Credit Professional’s Company Profile (May)
• Credit Tip of the Month: Researching a Company Using a Business Card (June)
• Credit Due – Especially for You (July – August)
• Credit Tip of the Month: Shopping for Business Information: The Price of Free (September)
• Credit Tip of the Month: Shopping for Business Information: You Get what you Pay For (October)
• King of the Domain – Part 1 (November)
• King of the Domain: Searching for suppliers or a financial statement on a company’s Web site – Part 2 (December)

2004 Edition

• Why information literacy in the credit department? (January-February)
• Credit Internet tips (April)
• XBRL (eXtensible Business Reporting Language) promises new future for financial reporting (May)
• Quick tactics for searching private companies (June)
• Plan your search query and get the precise results you need (July-August)
• You have a message… (September)
• Search for the essentials… (October)
• Credit Internet tips of the month (November)
• A day in a life… or how to create your superfile (December)

2003 Edition

• Giving Web Content the Human Touch (January-February)
• Online Client Relations (March)
• Moving Credit into the Front Office: How Credit Risk Scoring Drives Revenues - Part 1 of 3 (April)
• Revolutionizing the Order-to-Cash Process - Part 2 of 3 (May)
• Five Ways Web Based Systems Impact Revenue - Part 3 of 3 (June)
• You've got Invoice! E-Invoicing Saves Time & Money (July-August)
• How's Your Security? E-Invoincing Security Measures (September)

2002 Edition

• User Friendly Web Sites for Credit Professionals (January/February)
• What to do When Your Collections Team won't Use Technology (March)
• How Your Sales People Can Use Technology to Double Their Sales (April)
• How to Use E-mail Efficiently (May)
• How to Market Your Web Site (June)
• Everything you need to know about e-mail, you’ve already learned from dating (July-August)
• Managing Your Website Project (September) • Issues Management on the Web (October)
• Making your website “research friendly” (November)
• Email marketing (December)

2001 Edition

• The Internet - The Future of Credit - Part 3 of 3 (January/February)
• Consulting and Outsourcing Services on the Internet - Part 1 of 2 (March)
• Consulting and Outsourcing Services on the Internet - Part 2 of 2 (April)
• Create a Positive Organizational Culture to Reduce Internet Misuse (May)
• Create an Internet Usage Policy that Works for You! (June)
• Employee Monitoring - Is this Your Organization's Best Choice? (July/August)
• Reclaim Your Company's Internet Profits (September)
• Be Alert to the Signs of Employee Internet Addiction (October)
• A Questionable Internet Misuse Solution: Why Filtering Software May not be Your Company's Best Choice (November)
• How to Use the Other 90% of Your Computer's Capabilities (December)

2000 Edition

• How to Research a Company on the Internet (June)
• Internet Credit Resource Guide (July/August)
• Free Software and Updates Over the Internet - Part 1 of 2 (September)
• Free Software and Updates Over the Internet - Part 2 of 2 (October)
• The Internet: The Future of Credit - Part 1 of 3 (November)
• The Internet: The Future of Credit - Part 2 of 3 (December)

To the features

Credit and sales

2010 Edition

2009 Edition

2006 Edition

2005 Edition

• Credit Negotiation: Find Solutions (March)

2004 Edition

• From Credit to Sales: The garden of accounts ‘Deceivables’ (March)
• Negotiating a strategic relationship (September)
• Credit negotiation: Identify and understand the customer’s problem (December)

2003 Edition

• “Selling” Credit Services to the Sales Team – Part 1 of 2 (May)
• “Selling” Credit Services to the Sales Team – Part 2 of 2 (June)
• The New Sales Rep and YOU: Starting Right! (July-August)
• Us versus Them: How to Deal with Personality Clashes between Credit and Sales (October)
• “Connect” with the Sales Team by Walking in their Shoes (November)

To the features

Credit time management

2010 Edition

• Free your computer from electronic clutter (March)

2009 Edition

• Time management tips checklist (February)

• Free your computer from electronic clutter

2007 Edition

• Some time savers: How to get more done in less time (January-February)
• Email habits that could change your life (March)
• How to stay healthy in a Hi-Tech world (June)
• The biggest reason your work is not engaging... and it’s not what you think (November)

2006 Edition

• Conquer telephone tag (June)
• Do Be Do Be Do... (September)

2005 Edition

• Crisis Management (March)
• Manage Appointments and Scheduled Events (June)
• Ten Time Savers (September)
• 5 Time Management Errors Executives Should Avoid (November)

2004 Edition

• Cut the glut instantly! (November)

2003 Edition

• Stop Wasting Time (January-February)
• Just Say "No" (March)
• Your Time is Worth it! Leverage Time Through Delegation (April)
• Eleven Big Lies Credit Managers Don’t Have Time to Take (May)
• Shifting Back From Vacation Mode: Scheduling Deadlines & Planning Ahead (July-August)
• Time Management In The Palm Of Your Hand - Part 1 of 3 (September)
• Time Management In The Palm Of Your Hand: Synchronize! - Part 2 of 3 (October)
• Time Management In The Palm Of Your Hand: Customize your Applications! - Part 3 of 3 (November)
• For Effective Time Management, you Have to Play the System (December)

2002 Edition

• The Price of (NOT) Training (January/February)
• Some Time Savers - Part 1 of 3 (March)
• Some Additional Time Savers - Part 2 of 3 (April)
• Even More Time Savers! - Part 3 of 3 (May)
• Procrastination Pointers (June)
• Twice as Much! (July-August)
• Five Steps to a Productive Meeting (September)
• Some Time Tips (October)
• Some additional Time Tips (November)
• Leverage Your Time Now! (December)

2001 Edition

• How to Make New Year Resolutions Stick (January/February)
• Multiplying with Networking (March)
• A Higher Rate of Return (April)
• The Boss Question (May)
• Where Does All the Time Go? (June)
• Meeting Madness (July/August)
• You Might Just be a Workaholic (September)
• The Big Hole in Your Day (October)
• Time Management Horse Sense (November)
• Time Management Tips (December)

2000 Edition

• Procrastination - A Small Habit That Leads to Large Nuisances - Part 1 of 2 (March)
• Procrastination - A Small Habit That Leads to Large Nuisances - Part 2 of 2 (April)
• Easing E-Mail (June)
• Five Ways to Not Get Promoted (July/August)
• The Blocks to Employees' Productivity (September)
• Productivity Poker: Upping the Ante Through Technology (October)
• Be Smart About Your Goals (November)
• Holiday Stress Busters (December)

To the features

Credit case study

2001 Edition

• Don't be Fooled by High Sales Figures! (September)

2000 Edition

• Is it a Mistake to Overly Rely on a Security Value? (June)

To the features

International credit

2010 Edition

• Insolvency outlook – Accompanying the crisis, an exceptional growth in insolvencies (January)

2009 Edition

• A world economy in crisis, with no prospect of stabilizing before the end of 2009 (February)
• Business insolvency worldwide – Neither better nor worse (December)

2008 Edition

• Financial markets: In the wake of the US subprime mortgage crisis (January)
• World economy: A further rise in insolvencies in 2008 (March)
• Special report: Legislation risks (April)
• Special report: Legislation risks (May)
• Business insolvency – United States: Increased risks (June)
• The crisis: Act II? (September)
• Business insolvencies across the world: Globalisation put to the test (October)
• 2008 – The year of living dangerously (December)

2007 Edition

• Towards an increase in insolvencies in 2007 (January-February)
• Industry faces the spectre of deflation (March)
• To each according to his needs or to each according to his means? (April)
• Financial markets: Are U.S. rates really likely to fall? (May)
• Country credit risk rating – Global risk map (June)
• Construction: Down in the US, an upturn in Europe (July-August)
• International insolvency update (September)
• World economic growth - An upturn in 2008? (October)
• Financial markets - The foreign exchange market, a political issue (November)
• Canada: Early signs of the ‘Dutch disease’ (December)

2006 Edition

• Two tigers and a dragon: Hong Kong, Taiwan, Mainland China - Part 1 – Mainland China: Towards more balanced growth? (January-February)
• Two tigers and a dragon: Hong Kong, Taiwan, Mainland China - Part 2 – Taiwan: Going up market (March)
• Two tigers and a dragon: Hong Kong, Taiwan, Mainland China - Part 3 – Hong Kong: Strong in services (April)
• 2005 Insolvency worldwide by sector and region (May)
• Sector outlook - Pharmaceuticals: A tonic for growth (June)
• Sector outlook - Automobiles and components: The american disease (July-August)
• Sector outlook - Pulp and paper: A short-lived recovery (September)
• Sector outlook - Steel: The grand manoeuvres have begun (October)
• Sector outlook - Construction in Europe: Eastern Europe with the wind in its sales, an end to the slump for Germany? (November)
• Sector outlook - Retail distribution: Strong pressure on margins and a refocusing on key country markets abroad (December)

2005 Edition

• Trading with the European Union (January – February)
• Evaluating a Foreign Supplier (March)
• Business Etiquette for Foreign Markets (April)
• Construction Sector Looks Pretty Promising (May)
• Brazil – New Bankruptcy Law Enacted (June)
• Canadian Economy is Robust but has to Rely on its Domestic Demand (July – August)
• Insolvencies in United States(September)
• Business Insolvencies Worldwide (October)
• Business Insolvencies in Hong Kong – Down to Below 2,000 Cases (November)
• What are non-energy commodity markets telling us? (December)

2004 Edition

• 10 tips to establish a international partnership (January-February)
• How to obtain information and strategic advice at the international level – Part 1of 2 (March)
• How to obtain information and strategic advice at the international level – Part 2 of 2 (April)
• Canada ’s provinces and territories relying more and more on interprovincial exports – Part 1 of 3 (May)
• Canada ’s provinces and territories relying more and more on interprovincial exports: STUDY: Interprovincial and international trade among the provinces - Part 2 of 3 (June)
• Canada ’s provinces and territories relying more and more on interprovincial exports: STUDY: Interprovincial and international trade among the provinces - Part 3 of 3 (July-August)
• Trade triangles increasingly the norm (September)
• Ethical trade (October)
• Competitive intelligence for exporters (November)
• Bankruptcy declines may be over (December)

2003 Edition

• Cross Border Transactions Canada / United States - Part 6 of 6 (January-February)
• Do you know about the New Accounts Receivable Policy of the Export Development Corporation and London Guarantee Credit? (March)
• Pre-Shipment Financing Program for Exporters from Export Development Canada (April)
• Recovery Interrupted: EDC Global Outlook Forecast 2003 (May)
• The Forum Selection Clause And Your Export Contract (June)
• Eight essential Recommendations for the Development of New Export Markets (July-August)
• Hard to Find: Good Credit Information On Business in China - Part 1 of 2 (September)
• Hard to Find: Good Credit Information On Business in China - Part 2 of 2 (October)
• How to Carry Out a Successful Export Project – Part 1 of 2 (November)
• How to Carry Out a Successful Export Project – Part 2 of 2 (December)

2002 Edition

• China - From a Credit Perspective (January/February)
• Japan: The Economic Quagmire for a Credit Manager (March)
• Business is Good in Mexico (April)
• The Trouble with Foreign Financial Statements (May)
• Managing Foreign Exchange Fluctuations (June)
• Cross Border Transactions – Canada/United States: Differences in U.S. and Canadian Banking system and
   Regulatory Environment (July-August)
• Cross Border Transactions – Canada/United States: Electronic Funds Transfers (September)
• Cross Border Transactions – Canada/United States: Bank Supervision (October)
• Cross Border Transactions – Canada/United States: Commercial Lending Practices in the United States –
   Asset Based Lending (November)
• Cross Border Transactions – Canada/United States: Chart of the Various Types of Lending Granted and Reports Required in United States (December)

2001 Edition

• Early 21st Century International Credit Manager: Circa 2010 - Part 1 of 2 (March)
• Early 21st Century International Credit Manager: Circa 2010 - Part 2 of 2 (April)
• Tips for International Business Travelers (May)
• Cultural Differences: Europe and Russia - Part 1 of 2 (June)
• Cultural Differences: Europe and Russia - Part 2 of 2 (July/August)
• Working with Interpreters (September)
• Cross-Border Transactions (October)
• Letters of Credit Covering Oil Commodity Transactions (December)

2000 Edition

• Should Companies Grant Credit Facilities to Importers? - Part 2 of 2 (January/February)
• Have You Heard of the New Credit Designation Program CICE? (June)
• Are You a Perfectionist? (July/August)
• Factoring: The Smart Way to Finance Your Foreign Receivables (September)

To the features

Credit risk management

2009 Edition

• How do we determine credit risk in a recession? (March)
• Who really owns your customer’s company? (April)
• Action planning in a recession (June)

2007 Edition

• Fundamentals of risk management (January-February)
• Managing tax risk: Weighing risk, opportunity, and transparency in a more restrictive regulatory and
governance environment (March)
• The secrets of the default risk rating (April)
• Credit risk rating: Financial risk analysis - Part 1 (May)
• Financial risk analysis: Income statement - Part 2 (June)
• Financial risk analysis: Risk rating considerations - Part 3 (July-August)

2006 Edition

• Risk in payment systems: Risk exposure in the Automated Clearing Settlement System - Part 2 (January-February)
• The Canadian telecommunications market overcharging and evaluating risk management - Part 1 (March)
• The Canadian telecommunications market analysis and risk assessment - Part 2 (April)
• Granting back-to-back credit on assets - Part 1 (May)
• Analysis of back-to-back credit on assets - Part 2 (June)
• Specialty croppers face challenging outlook (July-August)
• Engineering firm needs a billing system that delivers (September)
• The Canadian banking system - Part 1 (October)
• The Canadian banking system: Loan management - Part 2 (November)
• Integrated risk management: Understanding the elements of an effective risk management strategy (December)

2005 Edition

• Business Resilience: Managing Risk as a Competitive Advantage (January – February)
• Helping Boards “Get on with the Job” of Risk Management (March)
• Credit in Today’s World – A Sale is Only a Sale if it is Paid For! (April)
• Telecommunications and Credit Risks: Telecommunications Market in Canada – Part 1 (May)
• Canadian Corporations Fall Behind the Rest of the World in Managing Escalating Risk (June)
• Telecommunications: Credit Risk Management – Part 2 (July – August)
• Telecommunications: Credit Analysis and Decision Making-Process (September)
• Productivity Basics (October)
• Doing Business in Emerging Markets – Emerging Markets Can Be Lucrative. But How Can You Protect Your Company From Potential Risk? (November)
• Risk in Payment Systems Overview of Risk – Part 1 (December)

2004 Edition

• Do you know what term credit means? - Part 2 of 2 (January-February)
• Make better credit decisions by conducting a break-even point analysis - Part 1 of 3 (March)
• Break-even point analysis: Calculating net cash outflows during the term of the credit – Part 2 of 3 (April)
• Break-even point analysis: Formula for calculating the break-even point – Part 3 of 3 (May)
• Analyzing your credit portfolio – A must! - Part 1 of 4 (June)
• Analyzing your credit portfolio: Understanding risks and developing strategies – Part 2 of 4 (July-August)
• Analyzing your credit portfolio: Industry analysis for credit approval – Part 3 of 4 (September)
• Analyzing your credit portfolio: Credit approval guidelines – Part 4 of 4 (October)
• Difference between a credit scoring system and a risk rating system (November)
• Managing export risk (December)

2003 Edition

• Forecasting Future Cash Flows - Part 3 of 4 (January-February)
• 7 Golden Rules for Improved Lending to Small and Medium-Sized Enterprises (SMEs) - Part 4 of 4 (January-February)
• Forecasting Future Cash Flows - Part 4 of 4 (March)
• Magic Formula To Assess Small Business Credit Risk – Part 1 of 3 (April)
• Requesting Financial Statements (April)
• Magic Formula To Assess Small Business Credit Risk - Part 2 of 3 (May)
• Magic Formula To Assess Small Business Credit Risk - Part 3 of 3 (June)
• Identifying EBITDA Cash Flow Drivers - Part 1 of 4 (July-August)
• Using EBITDA to Calculate Internally-Generated Funds - Part 2 of 4 (September)
• Using EBITDA to Calculate Internally-Generated Funds - Part 3 of 4 (October)
• Using EBITDA to Calculate Internally-Generated Funds - Part 4 of 4 (November)
• Do you Know what Term Credit Means? – Part 1 of 2 (December)

2002 Edition

• How to Grant Credit to Retail Chains - Part 3 of 4 (January/February)
• How to Grant Credit to Retail Chains - Part 4 of 4 (March)
• Using Discounted Cash Flow Analysis to Evaluate the Operations of a Credit Department - Part 1 of 2 (April)
• Using Discounted Cash Flow Analysis to Evaluate the Operations of a Credit Department - Part 2 of 2 (May)
• COD Cash Terms and Credit Risk (June)
• Special Credit Insurance Series: Using Credit Insurance to Lower Bad Debt Reserves (July-August)
• Special Credit Insurance Series: Purchasing Credit Insurance (September)
• Special Credit Insurance Series: Political Risk Insurance (October)
• 7 Golden Rules for Improved Lending to Small and Medium-Sized Enterprises (SMEs) – Part 1 of 4 (October)
• 7 Golden Rules for Improved Lending to Small and Medium-Sized Enterprises (SMEs) – Part 2 of 4 (November)
• 7 Golden Rules for Improved Lending to Small and Medium-Sized Enterprises (SMEs) – Part 3 of 4 (December)
• Forecasting Future Cash Flows – Part 3 of 4 (December)

2001 Edition

• Say Goodbye to Bad Transactions - Part 2 of 4 (January/February)
• Say Goodbye to Bad Transactions - Part 3 of 4 (March)
• Say Goodbye to Bad Transactions - Part 4 of 4 (April)
• Customer Risk Assessment - Part 1 of 2 (May)
• Customer Risk Assessment - Part 2 of 2 (June)
• The Applications of Neural Networks to Credit Scoring - Part 1 of 2 (July/August)
• The Applications of Neural Networks to Credit Scoring - Part 2 of 2 (September)
• What Must a Credit Policy Contain? (October)
• An Application of Value at Risk to an Accounts Receivable Portfolio (November)
• How to Grant Credit to Retail Chains - Part 1 of 4 (December)

2000 Edition

• How to Ensure a Successful Corporate Turnaround - Part 1 of 4 (March)
• How to Ensure a Successful Corporate Turnaround - Part 2 of 4 (April)
• How to Ensure a Successful Corporate Turnaround - Part 3 of 4 (May)
• How to Ensure a Successful Corporate Turnaround - Part 4 of 4 (June)
• Equipment Appraisal: A Way to Facilitate Credit Decisions (June)
• How to Analyze Your Client's Industry Risk - Part 1 of 4 (July/August)
• How to Analyze Your Client's Industry Risk - Part 2 of 4 (September)
• How to Analyze Your Client's Industry Risk - Part 3 of 4 (October)
• How to Analyze Your Client's Industry Risk - Part 4 of 4 (November)
• Say Goodbye to Bad Transactions! - Part 1 of 4 (December)

To the features

Bankruptcy corner

2010 Edition

• Summary of key legislative amendments – Disclaimer and assignment of agreements and asset sales – PART 2 (January)
• Summary of key legislative amendmens – Transfers at undervalue and preferences - Part 3 (February)
• Summary of key legislative amendments: Consumer and other issues – Part 4 (March)
• Interesting and unusual bankruptcy case (July)
• Summary of decision: Real Estate sold to a family member (August)

2009 Edition

• Did you receive payments just prior to a customer’s bankruptcy? (January)
• CANADA: Bankruptcies on the rise (February)
• Canadian bankruptcies continue rising (February)
• Business bankruptcies still lagging indicator of recession (April)
• Extraordinary remedies for creditors (May)
• Creditors role in bankruptcy proceedings in dealing with abuses (June)
• Staggering increase in consumer bankruptcies in March 2009 (June)
• Why so little consequence to bankruptcy? (July)
• Staggering increase in Canadian personal bankruptcies but businesses hanging in (September)
• Twentieth auto parts supplier files for bankruptcy protection (September)
• Danger signs: Which of your customers will file for bankruptcy protection? (November)
• Now what? Your customer has filed for bankruptcy protection (December)
• Summary of key legislative amendments – Part 1 (December)

2008 Edition

• Insolvency case law: Bois Bissbeau Inc., Re (February)
• New bankruptcy rules may come into effect in mid 2008 (March)
• An unofficial early history of bankruptcy (July)
• Bankruptcy and Insolvency - The repossession of 30-day goods law (October)
• The bankruptcy trustee business (December)

2007 Edition

• Insolvency reform: A few reasons why credit managers should pay attention (January-February)
• Business insolvency in Canada in 2006 (March)
• Introduction to some commercial aspects of Bill C-55 (April)
• The debts that just refuse to go away (June)
• Business insolvency statistics - 2nd Quarter 2007 (November)

2006 Edition

• Bill C-55 receives Royal Assent (March)
• Business insolvency in Canada in 2005 (April)
• Bankruptcy basics (May)
• Creditors: Your rights and options when someone owes you money (June)
• Insolvency case law (September)
• Canadian business insolvency for the second quarter 2006 (October)
• Corporate finances: Good or bad? (November)

To the features

Bankruptcy statistics

2010 Edition

• Insolvency statistics in Canada – OCTOBER 2009 (January)
• Insolvency Statistics in Canada — NOVEMBER 2009 (February)
• Insolvency Statistics in Canada — DECEMBER 2009 (March)
• Insolvency Statistics in Canada — JANUARY 2010 (April)
• Insolvency Statistics in Canada — FEBRUARY 2010 (May)
• Insolvency Statistics in Canada — MARCH 2010 (June)
• Insolvency Statistics in Canada — APRIL 2010 (July)
• Insolvency Statistics in Canada — MAY 2010 (August)

2009 Edition

• Summary Canadian and U.S. Bankruptcy statistics for 2008 (April)

2008 Edition

• Bankruptcies for June 2008 continue downward trend (September)

2007 Edition

• DECEMBER 2006 (January-February)
• MARCH 2007 (June)
• JUNE 2007 (October)

2006 Edition

• NOVEMBER 2005 (January-February)
• JANUARY 2006 (April)
• JUNE 2006 (September)
• SEPTEMBER 2006 (November)

2005 Edition

• DECEMBER 2004 (March)
• MARCH 2005 (June)
• JUNE 2005 (September)
• SEPTEMBER 2005 (December)

2004 Edition

• DECEMBER 2003 (March)
• APRIL 2004 (June)
• JULY 2004 (September)
• SEPTEMBER 2004 (November)

2003 Edition

• March
• May
• July-August
• September
• November

2002 Edition

• U.S. and Canadian Bankruptcy Statistics (most recent updates)

2001 Edition

• Bankruptcies Statistics for Canada and United States (April)
• Bankruptcies Statistics for Canada and United States (November)

2000 statistics

• Bankruptcies Statistics for Canada and United States (June)

To the features

Financial statements

2009 Edition

• Questionable financial statements: What’s in it? (April)
• Off-balance sheet items can hold surprises for credit analysts (May)

2008 Edition

• Income statement: The shareholders (January)
• Statement of retained earnings (April)

2007 Edition

• Other liabilities items - Part 1 (January-February)
• Other liabilities items: Deferred income - Part 2 (March)
• The long term debt (April)
• Net worth or shareholder’s equity (capital and surplus) - Part 1 (May)
• The net worth or shareholder’s equity: Insufficient working capital - Part 2 (June)
• What is the income statement? (July-August)
• Income statement - Operating income - Part 1 (September)
• Operating income: Other expenses (October)
• Non-operating income (November)
• Income statement: The creditors (December)

2006 Edition

• The most common problem you must deal with when analyzing inventories (January-February)
• The Balance Sheet: Current Liabilities (March)
• Calculating working capital and liquidity ratios (April)
• Miscellaneous Assets (May)
• Fixed assets - Part 1 (June)
• Fixed assets: The depreciation - Part 2 (July-August)
• Fixed assets: How should allowances for depreciation be considered by credit managers? - Part 3 (September)
• Intangible assets and goodwill - Part 1 (October)
• Intangible assets and goodwill: Patents and trademarks - Part 2 (November)
• Intangible assets and goodwill: Copyrights and goodwill - Part 3 (December)

2005 Edition

• Can we Rely on the Data that Appears in Financial Statements? Auditor's Report (January - February)
• The Balance Sheet - Introduction to the Process of Financial Analysis (April)
• What is a Balance Sheet? (May)
• The Balance Sheet - Cash Assets (June)
• The Balance Sheet - Accounts Receivable - Part 1 (July - August)
• The Balance Sheet - The Importance of Accounts Receivable (September)
• The Balance Sheet - Analysis of the "Inventory" Item - Part 1 (October)
• The Balance Sheet - Definitions Essential to the Analysis of the Inventory Item - Part 2 (November)
• Inventory Turnover Ratio (December)

2004 Edition

• Case study: Is It wise to renew or extend the line of credit of a company that availed itself of the Creditors arrangement Act? –
Part 2 of 2 (January-February)
• Can we rely on the data that appears in financial statements?: Notice to reader (October)
• The key elements to be analyzed by a person who is not familiar with financial statements when a credit request is made
(November)
• Can we rely on the data that appears in financial statements? Review engagement report (December)

2003 Edition

• Analyze Financial Statements in 5 Minutes (May)
• Current and Long-Term Liabilities CASE STUDY (June)
• Case Study: Common Control Accounts Receivables (July-August)
• Big Sales But Little Profit! (September)
• Should credit be extended to a company that pays dividends that sometimes exceed its earnings? (October)
• The Difference between Credit Score Rating and Credit Rating (November)
• Is it Wise to Renew or Extend the Line of Credit of a Company that Availed Itself of the Creditors Arrangement Act?

2000 Edition

• Comparison of Types of Reports Prepared by Public Accountants Concerning Financial Statements - Part 1 of 2 (June)
• Comparison of Types of Reports Prepared by Public Accountants Concerning Financial Statements - Part 2 of 2 (July/August)

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Credit fraud

2010 Edition

• The impact of fraud on your business (July)

2008 Edition

• Economic crime still a problem for Canadian companies (February)
• Economic crime across Canada (April)
• Fraud fundamentals - Part 1 (August)
• Fraud fundamentals: What does this means to the credit manager? - Part 2 (September)

2007 Edition

• The post-mortem of a receivership or bankruptcy hoax (January-February)
• Reduce the risk of fraud – Choosing the right approach to combat fraud (June)

2006 Edition

• Case study: Cheque fraud (September)
• Case study: Counterfeit cheques (December)

2005 Edition

• 10 Basic Rules to Help Uncover Fraud – A seasoned forensic accountant reveals his rules of thumb (January – February)
• Cost of Fraud in Canada – Types of Fraud – Part 1 (May)
• Cost of Fraud in Canada – Signs of Irregularity or Fraud – Part 2 (June)
• Cost of Fraud in Canada – And if Financial Statements were Fraudulent… – Part 3 (July - August)
• How to conduct an appropriate fraud investigation: Would your company be ready to handle this type of examination? (December)

2004 Edition

• Canada remains attractive haven for money laundering/terrorist activities – Banks facing challenge head on (December)

2003 Edition

• Protection Against Check Fraud (January-February)
• KPMG Fraud Survey: Detecting Fraud: 20 Questions survey - Part 1 of 2 (May)
• KPMG Fraud Survey: Detecting Fraud: 20 Questions survey - Part 2 of 2 (June)

2001 Edition

• Money Laundering and its Prevention in Canada: A Survey of Financial Services Providers - Part 1 of 3 (April)
• Money Laundering and its Prevention in Canada: A Survey of Financial Services Providers - Part 2 of 3 (May)
• Money Laundering and its Prevention in Canada: A Survey of Financial Services Providers - Part 3 of 3 (June)

2000 Edition

• New Canadian Money Laundering Legislation (June)
• KPMG Fraud Survey: Fraud and E-Commerce - Part 1 of 3 (July/August)
• KPMG Fraud Survey: Fraud and E-Commerce - Part 2 of 3 (September)
• KPMG Fraud Survey: Fraud and E-Commerce - Part 3 of 3 (October)
• Expert Comment: Combating Fraud Through Education and Awareness - Part 1 of 2 (November)
• Expert Comment: Combating Fraud Through Education and Awareness - Part 2 of 2 (December)

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Credit executive spotlight

2007 Edition

• Decive with confidence - An interview with Dun and Bradstreet Canada's President, Lawrence Franco (September)

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Credit legal matters

2010 Edition

• ONTARIO - Creditors... Carpe Diem (seize the day!): New small claims court limit in Ontario (March)
• The potential perils of payments by credit card (August)

2009 Edition

• ONTARIO - Best practices during a credit crunch (March)
• ONTARIO - To sue or not to sue (April)
• U.S.A. - Overview of U. S. bankruptcy laws (August)
• ONTARIO - Construction companies can use a simple letter to save a fortune (September)

2008 Edition

• CANADA - Impact of the credit squeeze on mergers and acquisitions (February)
• ONTARIO - Can you collect interest on your delinquent accounts? (March)
• INTERNATIONAL : Resolving international contract disputes – Five key steps for corporate counsel – Part 1 (April)
• ONTARIO: Repossession upon default of your lease (May)
• INTERNATIONAL: Resolving international contract disputes – Five key steps for corporate counsel – Part 2 (June)
• CANADA: Cost control in commercial disputes – Are you asking yourself the right questions? (June)
• CANADA: Landlords’ claims can spell trouble for trade creditors (July)
• CANADA: Catching up with a lie: How do you prove those dirty little secrets? (September)
• CANADA: Opposing a discharge from bankruptcy on the basis of debtor fraud (November)

2007 Edition

• ONTARIO - Default judgment: Can debtors still avoid payment? (January-February)
• CANADA - Recognition and enforcement of U.S. class action decisions in Canada - After McDonald’s - Part 2 (January-February)
• ONTARIO - Unsecured creditors beware: The Bulk Sales Act may not protect your interests (March)
• CANADA - The impact of american laws in Canada (April)
• CANADA - Two important decisions from the Competition Tribunal (May)
• BRITISH COLUMBIA - Your electronic documents are producible in litigation - Are you ready? (June)
• ALBERTA - Construction - The time limit for making claims: The Limitations Act - Part 1 (June)
• ONTARIO - Getting debtors to acknowledge their obligations (June)
• ONTARIO - The Limitations Act and debt claims (July-August)
• ALBERTA - Construction: The Limitations Act - Part 2 (July-August)
• ONTARIO - Your customer claims that he does not speak or read english - Can you still enforce the contract? (September)
• ALBERTA - Construction: Limitations Act third party notice - Part 3 (September)
• ONTARIO - Credit Managers - Know your limits, and your torts! (October)
• CANADA - Insolvency reform threatens mortgage security (October)
• ONTARIO - Court of Appeal rules assembly line not lienable (November)
• ONTARIO - Ontario Limitations Act: Two year deadline for legal action (December)

2006 Edition

• CANADA - Protecting privacy: Why having a privacy policy is not enough (January-February)
• ONTARIO - Pursuing your judgment debtor: Finding the assets (January - February)
• ONTARIO - Some practical advice for credit managers concerning the Construction Lien Act - Part 1 (January-February)
• ONTARIO - Construction Lien Act: The trust fund and trust claims - Part 2 (March)
• ONTARIO - Seizure and sale (March)
• ONTARIO - Construction Lien Act: Judgment surviving bankruptcy - Part 3 (April)
• ONTARIO - Knowing how far to push your debtors (April)
• QUEBEC - Corporate directors: Pay close attention to your liability to creditors - Overview of Peoples (April)
• BRITISH COLUMBIA - Alert: Debt collection (May)
• CANADA - Modifications to the Bankruptcy and Insolvency Act and to the Companies’ Creditors Arrangement Act - Part 1 (June)
• CANADA - Modifications to the Bankruptcy and Insolvency Act and to the Companies’ Creditors Arrangement Act: Bankruptcy and receivership - Part 2 (July-August)
• CANADA - Modifications to the Bankruptcy and Insolvency Act and to the Companies’ Creditors Arrangement Act: Creditor arrangements - Part 3 (September)
• BRITISH COLUMBIA - Important recent amendments to Personal Information Protection Act and Freedom of Information and Protection of Privacy Act (September)
• ONTARIO - Options for secured creditors whose debtor files for bankruptcy and then claims to have “lost” the creditor’s collateral (September)
• QUEBEC - Director’s liability in an insolvency context - A Quebec perspective - Part 1 (September)
• QUEBEC - Director’s liability in an insolvency context - A Quebec perspective: Mechanisms of protection - Part 2 (October)
• ONTARIO - Getting your judgment: How long and how much? (November)
• CANADA - Recognition and enforcement of U.S. class action decisions in Canada: Part 1 (December)
• ONTARIO - Liening leasehold improvements: Forcing landlords to pay when tenants won’t (December)

2005 Edition

• CANADA : Taking Debtors to Court (January – February)
• QUEBEC : What Securities can Creditors Ask For in Order to Protect Themselves? Formal Requirements - Part 4 (January – February)
• CANADA : Insolvency Case Law (March)
• QUEBEC : What Securities can Creditors Ask For in Order to Protect Themselves? Hypothec Right - Part 5 (March)
• CANADA : Insolvency Case Law (April)
• QUEBEC : What Securities can Creditors Ask For in Order to Protect Themselves? Hypothec Right - Part 6 (April)
• USA : Beware of Taking a Regular Cheque that Bounces: The Replacement Cheque Might be a Preference! Part 1 (April)
• QUEBEC : What Securities can Creditors Ask For in Order to Protect Themselves? Types of Hypothecary Remedies - Part 7 (May)
• USA : Beware of Taking a Regular Cheque that Bounces: The Replacement Cheque Might be a Preference! Part 2 (May)
• CANADA : The Enforcement of Judgments in Canada and Internationally (June)
• CANADA : Security, Identity Theft and Credit Professionals (June)
• QUEBEC : Rights of Ownership Supersede Those Rights Benefiting to the Trustee in Bankruptcy in Québec (June)
• ONTARIO : Pursuing the Delinquent Debtor (June)
• BRITISH COLUMBIA : Payment Certificates and Certificates of Completion (June)
• CANADA : Do Directors of an Insolvent Corporation Owe a Duty to Creditors? (July – August)
• QUEBEC : What Securities can Creditors Ask For in Order to Protect Themselves? Ranking of the Hypothec – Part 8 (July – August)
• ONTARIO : Bill 174 – An Act to Amend the Consumer Reporting Act – Part 1 (July – August)
• CANADA : Overview Regarding the Application of PIPEDA, Alberta and British Columbia’s Personal Information Protection Acts(September)
• ONTARIO : Bill 174 – An Act to Amend the Consumer Reporting Act- Part 2 (September)
• QUEBEC : Financial Institution Ordered to Pay Damages to Recipient of Misleading Credit Information (October)
• BRITISH COLUMBIA - Insolvency Case Law (October)
• ONTARIO : Pursuing Your Judgment Debtor (November)
• BRITISH COLUMBIA : Significant Changes to British Columbia Civil Litigation Rules (November)
• USA : A Good Time to be a Creditor – How the New Bankruptcy Laws Affect Business-to-Business Collections (November)
• ONTARIO : Pursuing Your Judgment Debtor – Special issues for garnishment (December)

2004 Edition

• CANADA - New privacy legislation: What you need to know - Part 1 of 2 (January-February)
• USA -Preparing a proof of claim in a U.S.A bankruptcy proceeding – Part 1 o 2 (January-February)
• CANADA - New privacy legislation: What you need to know – Part 2 of 2 (March)
• USA - Preparing a proof of claim in a U.S.A. bankruptcy proceeding – Part 2 of 2 (March)
• ONTARIO - Building on land or improving a property: remedies under the Construction lien Act(April)
• USA - Ensuring that your proof of claim against a United States debtor in bankruptcy is timely filed (April)
• CANADA - The Supreme Court of Canada comes to rescue of businesses following a new ruling on reasonable expectation of profit (May)
• ONTARIO - Ontario limitations Act - Significant changes for lenders in Ontario(June)
• USA - “Critical vendor” payments denied by Kmart ruling – Part 1 of 2 (June)
• CANADA - Insolvency case law (July-August)
• USA - “Critical vendor” payments denied by Kmart ruling – Part 2 of 2 (July-August)
• CANADA - Competition/Antitrust: The “Refusal to deal” provision (September)
• QUEBEC - The confidentiality of tax information about individuals and companies is now guaranteed (September)
• CANADA - A review of the principle of consent stipulated in the Personal information protection and electronic documents ACT (PIPEDA)(October)
• QUEBEC - What securities can creditors ask for in order to protect themselves? – Part 1 of 7 (October)
• ONTARIO - Making individuals pay company debts (November)
• ONTARIO - New Ontario limitations Act: Can lenders continue to give defaulting borrowers a break? (November)
• QUEBEC - What securities can creditors ask for in order to protect themselves? The types of property that can be mortgaged –
Part 2 (November)
• NOVA SCOTIA - The Builders’ lien Act… The wait is over! (November)
• USA - Exploring a new defense to U.S. preference claims (November)
• Canada – Subordination of shareholder claims when a company winds up (December)
• Quebec – What securities can creditors ask for in order to protect themselves? The types of obligations that can be secured
by a mortgage – Part 3 (December)

2003 Edition

• Are you Protected with your Credit Application Form or your Authorization to Disclose and Use Personal Information Form? - Part 6 of 6 (January-February)
• Do Creditors have the right to ask for a Client’s Social Insurance Number, Health Insurance Number or Driver’s License Number? - Part 1 of 2 (March)
• Do Creditors Have the Right to Ask for a Client’s Social Insurance Number, Health
• Insurance Number or Driver’s License Number? - Part 2 of 2 (April)
• Key Changes to the Canada Business Corporations Act – Part 1 of 2 (April)
• Beating the Preference Claim: A New Defense? (April)
• Canadian Insolvency Laws Under Review - Part 1 of 2 (May)
• Key Changes to the Canada Business Corporations Act - Part 2 of 2 (May)
• New Limitations Act Brings Two-Year Deadline for Legal Action (May)
• Description of Property and Secured Rights in Quebec (May)
• Critical Vendors’ to U.S. Beware: Pre-petition Claims Harder to Secure (May)
• Personal Insolvency Task Force: Off-The-Record Recommendations To Insolvency Laws - Part 2 of 2 (June)
• When Should a Creditor send a 10-day Notice? (July-August)
• Three Key Issues in Enforcement of Vehicle and Equipment Leases (September)
• Rules on Debt Restructuring in Quebec (September)
• Strategies for Success for Unsecured Creditors on Commercial Bankruptcy Proposals (October)
• The Delinquent Debtor (November)
• The Difference between the Civil Law and the Common Law (December)

2002 Edition

• Do You Know the Chattel Mortgages of Common Law Provinces? A Security that Credit Managers Should Know! (January/February)
• The Canadian Who's Who in Consumer Bankruptcy (January/February)
• Defamation (March)
• Escheatment (March)
• The Trustee Role in Canadian Consumer Insolvency (March)
• Prior Claims of Municipalities: If You Don't Pay Your Taxes Municipalities Can Seize Your Goods (April)
• When to Place an Account for Collection (April)
• Myths about the U.S. Bankruptcy Code (May)
• Are you Familiar with the Legal Implications of a Floating Hypothec in Quebec? (May)
• Bankruptcy Series Continued (June)
• Crown's 'Super Priority' Under Deemed Trusts Ranks Ahead of Real Estate Mortgages (June)
• Reaffirmation of Debt in Bankruptcy under the U.S. Bankruptcy Code (June)
• Are you Protected by Your Credit application Form or Your Authorization to Disclose and Use Personal Information Form? –
Part 1 of 6 (July-August)
• A Creditor’s Rights in Bankruptcy (September)
• Are you Protected by Your Credit application Form or Your Authorization to Disclose and Use Personal Information Form? –
Part 2 of 6 (September)
• Are you Protected by Your Credit application Form or Your Authorization to Disclose and Use Personal Information Form? –
Part 3 of 6 (October)
• Are you Protected by Your Credit application Form or Your Authorization to Disclose and Use Personal Information Form? –
Part 4 of 6 (November)
• Are you Protected by Your Credit application Form or Your Authorization to Disclose and Use Personal Information Form? –
Part 5 of 6 (December)

2001 Edition

• An Overview of Creditors' Rights: Property of Bankruptcy Estate Claims Priority (January/February)
• Consumer Bankruptcy: The Law May be Changing (January/February)
• An Overview of Creditors' Rights: Filing a Proof of Claim with the Bankruptcy Court (March)
• Publication of Ownership, Rights Under Leases and Certain Other Rights (March)
• An Overview of Creditor's Rights: Preferences - A Credit Grantor's Angst (April)
• Consumer Bankruptcy: The Law May be Changing - Part 2 (April)
• How to Perfect a Security Interest in the United States - Part 1 of 5 (April)
• How to Perfect a Security Interest in the United States - Part 2 of 5 (May)
• A Few Words Concerning Guaranty (May)
• How to Perfect a Security Interest in the United States - Part 3 of 5 (June)
• An Overview of Creditors' Rights: Reclamation and Stoppage of Delivery (June)
• How to Perfect a Security Interest in the United States - Part 4 of 5 (July/August)
• An Overview of Creditors' Rights: Extending Credit to Chapter 11 Debtors - The Trade Creditor's Dilemma (July/August)
• Subordination Agreement - A Must Security for Credit Managers (July/August)
• How to Perfect a Security Interest in the United States - Part 5 of 5 (September)
• An Overview of Creditors' Rights: Whether to Serve on a Chapter 11 Unsecured Creditors' Committee (September)
• An Overview of Creditors' Rights: The Chapter 11 Plan (October)
• Are You Secured by a Comfort Letter? (November)
• Producers and Sellers of Perishable Agricultural Commodities from Canada and the Untied States: PACA is Protecting You (December)

2000 Edition

• Proposed Amendment to the Consumer Act with Respect to Credit - Part 8 of 8 (January/February)
• When is a Bankrupt Discharged and is He Discharged from all His Debts? - Part 1 of 2 (January/February)
• Why Does a Court Refuse or Suspend Discharge or Grant Conditional Charge of a Bankrupt? (January/February)
• When is a Bankrupt Discharged and is He Discharged from all His Debts? - Part 2 of 2 (March)
• Consignment (April)
• Two New U.S. Laws Offer Protection Against Y2K-Related Lawsuits (June)
• What are the Consequences of Personal Bankruptcy in Canada? (June)
• Period of Time to Pursue a Guarantee Company in Quebec (July/August)
• An Overview of Creditors' Rights: The United States Bankruptcy Code - Part 1 of 2 (September)
• Small Claims Court in Canada: Maximum Amounts That May Be Claimed (September)
• An Overview of Creditors' Rights: The United States Bankruptcy Code - Part 2 of 2 (October)
• Bankruptcy Discharge: The Other Half of the Bankruptcy One-Two Punch (November)
• Beware of Cheques Marked "Payment in Full" (November)
• The Involuntary Bankruptcy Petition: A Double-Edged Sword (December)
• Does an Insurance Company Have to Pay Benefits when One of Two Shareholders of a Business Intentionally Sets a Fire? (December)

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Credit management

2010 Edition

• CREDIT TIPS: How useful are credit reports in this recession? (January)
• Profiling a successful manager (January)
• CREDIT & COLLECTIONS: Improving work processes – Part 1 (February)
• Improving work processes: Distinguish sources of deficiencies – Part 2 (March)
• Understanding cash flow analysis: The basics - Part 1 (April)
• Understanding cash flow analysis: Cash flow statements - Part 2 (May)
• Monitoring credit accounts - Part 1 (May)
• Intelligent talent management in the finance function (June)
• Monitoring credit accounts: Forms and checklist for existing customers – Part 2 (June)
• Getting the most from training seminars and courses (August)

2009 Edition

• Beware of oral and written commentary with credit reference checks (January)
• Credit card payments: To protect your company (January)
• Survey points to need for credit training and process improvement (January)
• Credit checklist for suppliers (February)
• COLLECTION TIPS: High risk accounts (April)
• CREDIT TIPS: Credit application fallback tips (May)
• CREDIT TIPS: Tips for new managers (July)
• CREDIT TIPS: Hiring a summer student (July)
• CREDIT RESOURCES: Managing in a recession (July)
• CREDIT ANALYSIS: Reviewing credit basics (July)
• CREDIT ANALYSIS: Traditional bad debt chart challenged (September)
• CREDIT TIP: Purchase order checklist (September)
• CREDIT TIP: Credit tip of the month (September)
• CREDIT EDUCATION: The high costs of cutting training (October)
• CONSUMER CREDIT REPORTS: Personal financial oversights you can’t afford to make (October)
• CREDIT ANALYSIS: Providing credit references (October)

2008 Edition

• 18 tips and rules for better negotiations (April)
• Credit terminology – Personal guarantees (June)
• Credit financing – Loan security in Canada (August)
• Incentive / Bonus plans for credit and collection staff - Part I (October)
• Credit tip: New name, new owners, new account? (November)
• Incentive / Bonus plans for credit and collection staff - Part II – Management bonus plans (November)
• If you were asked to take a 5% cut in your department budget for 2009, where would you start? (December)
• The credit department’s greatest resource (December)

2000 Edition

• Company Management as an Important Factor in Assessing Credit Worthiness - Part 1 of 6 (January/February)
• Company Management as an Important Factor in Assessing Credit Worthiness - Part 2 of 6 (March)
• Company Management as an Important Factor in Assessing Credit Worthiness - Part 3 of 6 (April)
• Company Management as an Important Factor in Assessing Credit Worthiness - Part 4 of 6 (May)
• Company Management as an Important Factor in Assessing Credit Worthiness - Part 5 of 6 (June)
• Company Management as an Important Factor in Assessing Credit Worthiness - Part 6 of 6 (July/August)
• 10 Principles of Credit Negotiations (September)
• Determining the Line of Credit Amount to Grant to a Client (October)
• How to Determine Allowances for Bad Debts Without Using Accounting Methods (November)

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Credit manager's quiz

2000 Edition

• When financial statements are prepared by a public accountant, what is the difference between a compilation engagement, a review engagement and an audit? (March)
• How to Have a Successful Business Meeting (May)

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Human resources management

2010 Edition

• Communication review (May)
• How to improve workplace morale through recognition (June)

2009 Edition

• Six ways to improve internal communications (November)
• Change management vs. transformation management (December)

2008 Edition

• Creative conflict resolution: 7 tips for negotiating differences (February)
• In order to become the best you have to get over accepting being average (June)
• In order to become the best you have to get over accepting being average: Collection training methods (August)

2007 Edition

• Are you change challenged? 3 habits to help you become more of a change artist (December)

2006 Edition

• 6 tips for turning around negativity at work (January-February)
• An ounce of prevention: How regular recognition can prevent unnecessary conflict (March)
• How to unload your worries in less than 5 minutes a day (April)
• “The cool company to work for” awards (May)
• Changing behaviour - Old beliefs vs. new findings (July-August)

2005 Edition

• Feeling Caught in Negativity? Go Watch Water! (October)
• Six Reasons People Don't Listen... and Some Interesting Things You can do About it (December)

2000 Edition

• A Method of Conflict Resolution That Will Improve the Working Climate (March)
• Hiring Personnel (April)

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Credit humor

2006 Edition

• A funny credit story: The world of credit is small (January-February)
• A funniest collection story: International specialist completes a contest to discover unusual excuse for not paying a bill (September)
• 5 ways to mess up your seasonal office party (December)

2005 Edition

• Is This the Credit Department? (June)
• Test your HQ (Humour Quotient) (September)
• Quick Tips on How to Use Humour to Diffuse Conflict (November)

2004 Edition

• Sarbanes-Oxley (SOX) , and audit story. Do you want my DNA? (November)
• My first collection call (November)

2003 Edition

• Accident Prone / Missing Check Book (January-February)
• Never in March / Free Lunch (March)
• Telephone Deadlock / Lisa the Knee Breaker (April)

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Credit crossword puzzle

2007 Edition

• Credit crossword puzzle (January-February)
• Credit crossword puzzle (April)
• Credit crossword puzzle (May)
• Credit crossword puzzle (June)
• Credit crossword puzzle (July-August)
• Credit crossword puzzle (September)
• Credit crossword puzzle (October)
• Credit crossword puzzle (November)
• Credit crossword puzzle (December)

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Credit insurance

2009 Edition

• Most effective use of your credit insurance policy (June)

2004 Edition

• Expansion creates credit frustrations: For simple solution, read on…. (November)

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Tips for credit manager

2008 Edition

• What kills businesses (April)

2003 Edition

• An introduction to generally accepted accounting principals (January-February)

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Competitive edge

2003 Edition

• Tips for improving customer servie (March)

2002 Edition

• Skills to Enhance Your Career and Your Personal Life
• 5 Tips to Help Your Employability Quotient (EQ) Today
• Want to Increase Your Business Success and Polish Your Professional Image? Learn How to Mingle in 9 Simple Steps! (June)
• Are You a Business Host with the Most? 10 Tips (July-August)
• Why a Good Handshake is Critical (October)
• Still Invisible: Why Many Corporate Women Hold Themselves Back (November)
• Resolving Conversation Conundrums (December)

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Economic news

2002 Edition

• M&A takes a licking but keep on ticking (May)

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Banker's point of view

2002 Edition

• Improve Your Credit Decisions Through Knowledge of the Business Life Cycles and Fundamental Industry Characteristics –
Part 5 of 5 (January-February)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals –Part 1 of 8 –
Business Cycles and Targeting Financial Needs (March)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 2 of 8 –
Canadian Industry Patterns (April)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 3 of 8 –
Manufacturing Industry Patterns (May)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 4 of 8 –
Manufacturing Industry Patterns (June)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 5 of 8 –
Manufacturing Industry Patterns (July-August)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 6 of 8 –
Service Sector Patterns (September)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 7 of 8 –
Service Sector Patterns (October)
• Improve your Credit Decisions through an Understanding of Industry Fundamentals – Part 8 of 8 –
Service and Real Estate Sectors (November)

2001 Edition

• Causes of Some Real Estate Projects Failure - Part 4 of 4 (January/February)
• Why to Small and Medium-Sized Enterprises Have Problems Getting Venture Capital? (March)
• Suppliers in the 21st Century (April)
• American and Canadian Policy Guidelines to Facilitate Credit to High Technology and Biotech Companies - Part 1 of 2 (May)
• American and Canadian Policy Guidelines to Facilitate Credit to High Technology and Biotech Companies - Part 2 of 2 (June)
• New Tax Measures from the Quebec Budget 2001-2002 - Good News for Quebec Enterprises and U.S. Researchers (July/August)
• Improve Your Credit Decisions Through Knowledge of the Business Life Cycles and Fundamental Industry Characteristics -
Part 1 of 5 (September)
• Improve Your Credit Decisions Through Knowledge of the Business Life Cycles and Fundamental Industry Characteristics -
Part 2 of 5 (October)
• Improve Your Credit Decisions Through Knowledge of the Business Life Cycles and Fundamental Industry Characteristics -
Part 3 of 5 (November)
• Improve Your Credit Decisions Through Knowledge of the Business Life Cycles and Fundamental Industry Characteristics -
Part 4 of 5 (December)

2000 Edition

• The Language of Financial Ratios - Part 1 of 7 (January/February)
• The Language of Financial Ratios - Part 2 of 7 (March)
• The Language of Financial Ratios - Part 3 of 7 (April)
• The Language of Financial Ratios - Part 4 of 7 (May)
• The Language of Financial Ratios - Part 5 of 7 (June)
• The Language of Financial Ratios - Part 6 of 7 (July/August)
• The Language of Financial Ratios - Part 7 of 7 (September)
• Causes of Some Real Estate Projects Failure - Part 1 of 4 (October)
• Causes of Some Real Estate Projects Failure - Part 2 of 4 (November)
• Causes of Some Real Estate Projects Failure - Part 3 of 4 (December)

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Flash bulletin

2002 Edition

• Managing During a Recession (March)
• New Development in 2002: Monetary Jurisdiction of Small Claims Court Has Increased from $3,000 to $7,000
in Quebec (September)
• Development in 2002: Monetary jurisdiction of Ontario small claims court up from $6,000 to $10,000 (October)
• New Development in 2002: Monetary Jurisdiction of Small Claims Court Has Increased from $3,000 to $7,000 in Quebec (October)

2001 Edition

• Offering Your Business More! (July/August)

2000 Edition

• CD-Rom for Small and Medium-Sized Enterprises (March)
• 2000 Federal Budget Highlights Concerning Enterprises (April)
•  Highlights of the Most Important Tax Measures Included in the 2000 Quebec - Budget Concerning Enterprises (April)
• What's New on the Import/Export Scene? (May)

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Yearly fee

$150

2 year fee

$250

(plus taxes if applicable)