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Advocis Association of Professional Financial Advisors
The Advocis site provides resources on financial planning and professional
financial planners to help you select the right financial planner for your
bank branch Online
This site shares information and tips on many areas of online banking.
bank of Canada
Information about Canada’s central bank, interest rates and inflation rates
Canada Deposit insurance Corporation (CDiC)
The CDIC’s website offers answers to basic questions about banking and
mortgage insurance, along with other topics related to personal finance, and
banking data and statistics.
Canada Mortgage and Housing Corporation (CMHC)
Provides information on all housing matters.
Canada Pension Plan
Site includes links to general, benefit, and payment information.
Canada Revenue Agency (CRA)
The CRA website provides information on taxes, and all related issues: tax
credit, RRSPs, NETFILE, etc.
Canadian bankers Association: the Your Money Network
A web portal resource guide to banking and personal finance basics,
designed to help young adults improve their knowledge of financial matters.
Canadian broadcasting Corporation (CbC)
Site contains information on uses and misuses of credit cards, on how to
regain financial health, and other personal finance topics.
Canadian Financial Network
Over 6,000 international financial resources organized on single site, with
Canadian Foundation for economic education
Financial education for all ages, economic information, career selection tool,
Canadian institute of Mortgage brokers and Lenders
This site provides information on mortgage rates, and it includes calculators.
Canadian Shareowners’ Association
Great information on stocks, mutual funds and many investment ideas
Provides information on interest rates, investments, credit cards, etc.
Consumers’ Association of Canada (CAC)
An independent, non-profit volunteer organization that represents and
informs consumers and advocates.
Citigroup Financial education Program
Here at Citigroup’s financial education website, find a variety of information
about the financial education programs that Citigroup supports worldwide,
educational resources, and the latest news.
Citigroup Financial education Curriculum
Find the contents of the Citigroup Financial Education Curriculum plus
complementary interactive lessons.
Credit Counselling Canada
A national association of not-for-profit credit counselling agencies and Orderly
Payment of Debt programs from all across Canada. They work together to
increase consumer awareness of the available assistance programs, and to
develop a national standard in not-for-profit credit counselling.
Credit education bureau
The Credit Education Bureau website contains Teacher Resources including
classroom presentations, videos, handouts, and other items on credit, money
management, and all financial areas related to credit, plus “calculators” and
Credit Union Central of Canada
This website contains information on Canada’s Credit Union system, and
discusses a lot of consumer issues.
Request your credit report and find other subjects of interest in personal
finance, including how to protect against identity theft.
industry Canada’s Consumer Connection
Information on identity theft, financial privacy financial products, etc.
Ontario Securities and exchange Commission
Learn how the Securities Commission administers and enforces securities
legislation in the province of Ontario.
Like Equifax, TransUnion provides credit reports and other credit information
Use Credit Wisely
This Citi Cards site provides tips for using credit wisely, responsibly, and
safely, as well as a glossary of credit terms.
• Personal Finance. Jack Kapoor, Les Dlabay, Robert Hughes, and
Arshad Ahmad, McGraw Hill Ryerson. 3rd Canadian Edition, 2006.
• Personal Finance For Canadians. Kathleen Brown, Thomas Chambers,
Elliott Currie Pearson Education Canada. 8th edition, 2005.
tOP 10 tiPS FOR GOOD CReDit
After you’ve decided on the type of credit you need and how much you can
afford, follow these steps for maintaining a good credit history:
• Shop around for the best credit terms.
• Understand the terms of the agreement before you accept a loan or
• Save money each payday for emergencies.
• Set a monthly limit for charges and stick to it.
• Shop as carefully with credit as you do with cash.
• Don’t take on monthly credit payments unless you’re certain you can
• Pay bills promptly and in full to keep finance charges low.
• If you charge day-to-day expenses, pay them in full each month.
• Keep credit card information (including phone number of issuer) in a
safe place in case your cards are lost or stolen.
• Keep copies of sales slips and compare charges when bills arrive. If
there’s a mistake, call your issuer right away.
NeW tO CReDit?
If you’re using a credit card for the first time, read the following tips to help
you take charge of your finances…and use your credit card wisely!
KNOW THE RULES
• Pay at least the minimum due every month
The minimum amount due is the least you can pay every month to
keep your account in good standing. Pay more than the minimum
and you’ll pay off your balance faster or reduce the interest you pay
• Avoid late payments
If you miss a due date, you may be charged a late fee. And, a late
payment may be recorded on your credit history. Be sure your
payment arrives on time by sending it 5-7 days before the due date,
even if you use online banking.
• Don’t exceed your credit limit
If you exceed your credit limit, a fee may be assessed. Over-the-limit
fees are charged every month that the amount of money you owe
exceeds your credit limit.
• Use cash advances with discretion
Taking frequent cash advances becomes expensive. Your card issuer
may charge an extra fee for each cash advance and charge a higher
Annual Percentage Rate than for purchases.
• Prevent fraud
Be careful about how and when you use your credit cards. Never
loan your card to anyone. Always check receipts against your
monthly statements and report errors right away.
• Safeguard your identifying information
Minimize your risk for theft by keeping items with personal
information in a safe place at home. Notify your bank and other card
issuers when you change your address or phone number and be sure
to report all lost or stolen cards immediately.
tHAt OFFeR FiNANCiAL eDUCAtiON
AND CONSUMeR ASSiStANCe
ACORN Canada (the Association of Community Organizations for
ACORN is an advocacy group active in protecting consumers from predatory
Community Volunteer income tax Program (CVitP)
Offers free tax help to low- to moderate-income people with tax return
preparation. Volunteers who have received training help prepare basic tax
returns in communities across the country. CVITP sites can be found in
community and neighborhood centers, libraries, schools, shopping malls, and
other locations. Most locations also offer free electronic filing (e-file).
Consumers’ Council of Canada
The Consumers Council of Canada works collaboratively with consumers,
business and government in support of consumers’ rights and
Consumers' Association of Canada (CAC)
CAC is an independent, not-for-profit, volunteer-based, charitable
organization. Their mandate is to inform and educate consumers on
marketplace issues, to advocate for consumers with government and industry,
and work with government and industry to solve marketplace problems.
PiAC: the Public interest Advocacy Centre
PIAC is a non-profit organization that provides legal and research services
on behalf of consumer interests, and, in particular, vulnerable consumer
interests, concerning the provision of important public services.
Stop Mortgage Fraud
Developed by the Mortgage Bankers Association, this website has information
on how to tell whether you are the victim of a predatory mortgage loan and
provides suggestions on where to complain.
• Equifax Canada
P.O. Box 190, Station Jean-Talon,
Montreal, Quebec H1S 2Z2
For a credit report or to report fraud call 1-800-465-7166.
• TransUnion of Canada
P.O. Box 338 L.C.D.I.
Hamilton, Ontario L8L 7W2
For a credit report or to report fraud call 1-877-713-3393.
• If you buy items because they’re on sale, you aren’t saving. It’s not a
bargain if you don’t need it.
• Reconsider luxuries. They have a tendency to become necessities. If
you live a little below your means, your money will go farther.
• Check bills for errors.
• Do things for yourself that you used to pay for (ironing your own
shirts or mowing your lawn, for example).
• Make shopping lists and stick to them.
• Compare prices at three stores before making a major purchase. Buy
used items and seconds when practical.
• Treat everything you own as valuable. Make things last. Don’t throw
things out until they wear out.
KeeP YOUR CReDit SAFe
It’s important to be careful about how and when you use your credit cards.
Never lend them to anyone, and never leave your cards or receipts lying
around, no matter where you live. Heeding a few simple rules can save you
from being a victim of credit card fraud or theft.
• Always know where your cards are and keep them in a safe place.
• Don’t give your account number over the phone unless you know the
company and you made the call.
• Get a card that has added security features, like a photo.
• Draw a line through the blank space above the total on charge slips
to prevent changes and tear up carbons from slips.
• Don’t sign blank charge slips.
• Always check receipts against your monthly statements. Errors must
be reported within 60 days of the statement mailing date.
• Record card numbers, expiration dates and phone numbers. Keep
this record in a safe place separate from your cards. Use it if you
need to report lost or stolen cards.
• Never put your account number or personal identification number
(PIN) on the outside of an envelope or postcard. Never put your PIN
on the card or in your wallet.
• Carry only the cards you need, especially when traveling.
CERTIFICATE OF COMPLETION
this Certifies that
of the Citigroup Financial education Curriculum on