Stress- Stress is a feeling of emotional or physical tension.

It can come from any event or thought that

makes you feel frustrated, angry, or nervous.

Take care of yourself.

Eat healthy, well-balanced meals

Exercise on a regular basis

Get plenty of sleep

Give yourself a break if you feel stressed out

Talk to others. Share your problems and how you are feeling and coping with a parent, friend, counselor,
doctor, or pastor.

Avoid drugs and alcohol. These may seem to help, but they can create additional problems and increase
the stress you are already feeling.

Take a break. If news events are causing your stress, take a break from listening or watching the news.

Recognize when you need more help. If problems continue or you are thinking about suicide, talk to a
psychologist, social worker, or professional counselor.

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CONFLICT- a struggle or clash between opposing forces; battle. a state of opposition between ideas,
interests, etc; disagreement or controversy. a clash, as between two appointments made for the same
time.

Conflicts can be resolved in a variety of ways, including negotiation, mediation, arbitration, and litigation.
Negotiation.

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A mortgage is a debt instrument, secured by the collateral of specified real estate property, that the
borrower is obliged to pay back with a predetermined set of payments.

Request Mortgage Forbearance

Refinance to a Longer-Term Loan

Refinance to Change Your Interest Rate Terms

Challenge Property Taxes

Modify the Loan

Get a Home Equity Loan

Get the Lender to Eliminate Private Mortgage Insurance

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LAte night- a night when a person stays awake until a late hour. a night when a person stays awake until a
late hour

Stick to a regular sleep schedule.

Postpone worrying and brainstorming.

Avoid stimulating activity and stressful situations before bedtime

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A tax is a compulsory financial charge or some other type of levy imposed on a taxpayer (an individual or
legal entity) by a governmental organization in order to fund government spending and various public
expenditures. A failure to pay, along with evasion of or resistance to taxation, is punishable by law. a
sum of money demanded by a government for its support or for specific facilities or services, levied
upon incomes, property, sales, etc. a burdensome charge, obligation, duty, or demand.

Full Payment: paying the amount on the tax notice and avoiding the confrontation with the taxing
authority. Most of the time, this option is not the best option for the taxpayer to resolve their tax
problem, as often the tax bill is inaccurate.

Pay The Correct Tax Only: paying the actual amount of taxes if you can afford it is usually a good
solution to your tax problem. This will entail working with the taxing authority to abate the penalty
assessed. The success of penalty abatement is based on reasonable cause and not willful neglect.

Installment Agreement: paying the tax amount through an installment agreement is a common way to
resolve your tax problem. You should seek professional tax advice, as the taxing authority will usually
request a large monthly payment, while professional tax representatives will work on attaining an
installment agreement that is reasonable and you can live with without causing a financial and
economic hardship on you and your family.

Offer In Compromise:

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Debt is an amount of money borrowed by one party from another. ... A debt arrangement gives the
borrowing party permission to borrow money under the condition that it is to be paid back at a later
date, usually with interest.

Make All Your Minimum Payments. Paying the minimum won’t reduce your balances, but it will
preserve your credit rating. Make a list of every outstanding debt and set up a process to keep up with
at least the necessary minimum payments.

Stop Using Credit. Stop building your credit balances even higher. Use cash instead of credit. Consider
the convenience of debit as an alternative to credit cards.

Take Control of Your Spending. If you can’t control your spending, leave your credit cards at home. If
your credit card company offers to increase your limit – say no. If discretionary spending is running
your repayment plan, track your expense and cut back. Use gift cards to set spending limits at any one
store.

Pay As Much Money Towards Your Debt As You Can. Paying down debt means paying less interest
charges, freeing up money for other needs. The more you apply to debt repayment, the more money
you’ll have available for other things.

Recognize There are Barriers to Paying Down Debt. Debt has been a problem in Canada for years and
more Canadians are suffering from debt vulnerabilities. Learn about the barriers you may be facing
and how to overcome them.

Pay Off High Interest Debt First. Save money on interest costs by paying down high-interest debt like
credit cards first. Paying less interest frees up money to pay off debt faster.

Double Down on Your Payments. Once you pay off one credit card, apply that payment amount to
your next debt. By doubling up on your payments, your overall debt load will fall much faster.

Put Any Extra Cash Towards Debt. Apply any extra money you receive, like a tax refund, Christmas
bonus or a gift of money, towards debt repayment. You’ll benefit in the long-run because you will
reduce your interest costs.

Should You Cash in Your RRSP or Savings? Cashing in existing retirement savings to repay your debts
can have unexpected financial costs and may not be the best strategy as this is money that should be
reserved for your retirement. Most RRSPs are protected in a bankruptcy or consumer proposal. We
recommend speaking with a Licensed Insolvency Trustee before you take this step.

Talk With a Licensed Insolvency Trustee.

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Bullying- the behaviour of a person who hurts or frightens someone smaller or less powerful, often
forcing that person to do something they do not want to do.

If you are being bullied: tell them to stop, get away from the situation, and tell a trusted adult.

If you see someone being bullied, be an upstander: Tell the person to stop, get a trusted adult, reach
out and be friends.

With your children: Listen and support your children. Work with the school to be sure your child is
safe.

In Your School: Learn and help train all adults and youth on how to recognize and respond to bullying.

With Others Who Care: Start a Not In Our School Anti-bullying Club where youth lead in finding
solutions.

In Your School and the Entire Community: Create an identity-safe climate where all people are
respected.

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Work Overload- the situation in which someone has too much work to do
Manage your time. ...

Wipe out bad work habits. ...

Make a list of everything you have to do. ...

Don't try to do it all. ...

Learn to say 'no' ...

Don't let it overwhelm you.

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A business crisis is an event, or a series of events, that causes major disturbance for a business. A crisis
typically occurs suddenly and poses intense difficulty or danger for the business, usually in a situation
where time is short and decisions have to be taken quickly

Anticipate and have a plan. ...

Respond immediately. ...

Do not overtalk. ...

Always tell the truth. ...

Accept responsibility. ...

Select the right spokesperson. ...

Stop rumors and correct misinformation. ...

Show compassion and remorse.

Anticipate.

Create a plan and test it.

Identify your crisis communication team.

Establish notification and monitoring systems.

Communicate, communicate, communicate.

The death of the super injunction.

Post-crisis analysis

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Anxiety is a feeling of unease, such as worry or fear, that can be mild or severe.

Keep your body and mind healthy

Identify and learn to manage your triggers

Do a daily or routine meditation

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A time limit or deadline is a narrow field of time, or a particular point in time, by which an objective or
task must be accomplished.

Create A Prioritization Strategy. Assess each task on your list. ...

Forget The Future, Focus On The Present. ...

Break Your Tasks Down. ...

Ask Yourself What Needs To Be Done Right Now. ...

Stop Procrastinating. ...

Take Contrary Action With Purposeful Slacking. ...

Change How You Think About Pressure. ...

Try The Eisenhower Model.

Clear your work schedule. Start by clearing your schedule and to-do list of anything that isn't a high
priority. ...

Get help from the beginning. ...

Break the project down. ...

Work on it one step at a time. ...

Have a disclaimer in proposals and quotes.

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Poor leaders are characterized by their lack of ability to provide direction to the team, which may stem
from their own lack of vision. Chron says not setting clear expectations keeps workers from
understanding what they actually need to deliver.

Develop your personal leadership style. ...

Learn from experience. ...

Don't be afraid to fail. ...

Have a compelling vision. ...

Polish your people skills. ...

Motivate yourself. ...

Keep people informed. ...

Inspire others.