MSC Final ENG[1]...deciding on where to get a loan. UÊPayday loans are high-cost loans. If you need money for an emergency, get advice from a qualiﬁed ﬁnancial counsellor. Payday

2013

Money Mattersfinancial lessons for life

Tal k t o your kids about money Young children: If your child is old enough to ride a bike, you should be having discussions with them about money. Children as young as 4 can begin to grasp the concepts of saving and spending.

Teens: If you give an allowance, always explain its value to your children by reminding them what they did to earn it.

Adult children: Help your child be financially independent. If your son or daughter has moved back home after college, support them with advice that will empower them to stand on their own, but don’t negotiate salaries or write resumes for them.

Everyone benef its fr om learning t o manage money

If you are open with your children about money and start planning early, your whole family will be financially independent.

Talking with your kids about saving and investing goes a long way to instill and remind all family members of the importance of money management.

Work on your own spending habits and learn more about setting savings goals online with help from www.mymakeitcount.ca.

92% of parents in Canada want their children t o be money-smart*

Early conversations about money will improve financial literacy

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C onsider thisCanadians today expect to live longer than ever before.

It can be hard to predict how much you’ll need to live in retirement.

It’s never too late to start saving.

Get readyFind out how much the government will let you put into your RRSP.

Get advice on how to maximize your RRSP.

Work with a professional to ensure the money in your RRSPs is invested in a balanced portfolio.

Visit www.investorsgroup.com to learn how we can help.

87% of Canadian boomers feel t hey are not

ready for ret irement*

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Louis Riel Day

Valentine’s Day

27% of Canadians bel ieve t hey have been appr oached wit h a

possible fraudulent investment*

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W hat t o watch for Investment scam artists may approach you through groups you belong to, at investment seminars, or through unsolicited email or phone calls. They’ll do whatever they can to win your confidence.

Be wary of offers that promise high returns with little or no risk.

Scamsters tend to make offers that expire quickly. If you are being rushed into making an investment decision, be very cautious.

Wise investingResearch all investment opportunities.

Visit www.msced.ca to see if the individual or firm selling the investment is registered or if they have had disciplinary action taken against them in the past.

Report any investment opportunities that you think might be a scam to The Manitoba Securities Commission.

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April 2013

St. Patrick’s Day First Day of Spring

Daylight Saving Time Begins

Easter Sunday Good Friday

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Easy ways to increase your tax refundFile your tax return by April 30 to get your refund, to avoid interest or penalties if you must pay a balance due and to receive refundable tax credits throughout the year.

Families benefit from filing taxes together. Start with the lowest income earner to increase credits and refunds with transferable tax provisions.

If you collect a pension, you may be able to report up to 50% of it on your spouse’s return so you can keep more.

Save money by being tax-savvyRecover Refunds: Forgot to claim something? A tax professional can help recover everything from disability and medical tax credits to deductions for your safety deposit box within 10 years.

Increase Refunds: Set money aside all year to invest in an RRSP, increasing your tax credits and refunds.

Tax changes happen all the time. Increase your tax literacy and stay updated by reading breaking tax and investment news at www.knowledgebureau.com.

The average annual tax refund in Canada is $1659*

You may be eligible for a larger tax refund than you expect.

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May 2013March 2013

Earth Day

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Fewer t han 25% of e l igible chi ldren have taken advantage of t he Canada Learning Bond which

can be wort h up t o $2000*

Is your family el igible for this free money?If your child was born in 2004 or later and you receive the National Child Benefit Supplement as part of your Child Tax Benefit you are eligible.

Open an RESP now, and the Government of Canada will give your child free money to further their studies after high school. Even if you don’t have any of your own money to save, this option will still be available to you.

The Canada Learning Bond is worth $500 today, but can add up to $2000 over time.

Start saving t oday!Call 1-800-OCANADA or visit www.smartsaver.org for more information about the Canada Learning Bond.

Visit www.canlearn.ca and learn how to choose a Registered Education Savings Plan (RESP) provider wisely.

SEED Winnipeg offers free RESP workshops. Call 204-927-9947 or visit www.seedwinnipeg.ca for more information.

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W hat t o watch forOlder adults should be wary of pressures to lend money, forfeit goods and sell or give away property.

Exercise extreme caution if someone asks you to make changes to your will and/or power of attorney.

Keep track of your investments and finances and be sure no one is using your property or money without your knowledge or consent.

Pr otect yourselfYou have the right to make your own decisions and live as you wish, provided they do not infringe on the rights or safety of others.

Discuss any concerns you may have with a trusted friend, support or professional and keep records, accounts and lists of property and assets available for examination by them if needed.

Find support for older adults at www.ageopportunity.mb.ca and www.manitobaseniorcentres.com. If you are concerned about possible abuse, call the A & O: Support Services for Older Adults intake line at 204-956-6440 or toll free at 1-888-333-3121 or contact the Senior’s Abuse Support line at 1-888-896-7183.

4 – 10% of Manit obans wi l l exper ience some form of abuse in t heir later years*Staying involved in your finances

is your best protection.

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W hat t o watch for Work hard to gain your trust before they steal your money. They want you to believe that they are your best friend.

Promise high returns with little or no risk.

Rush you into making a decision – they tell you that their offer won’t last long.

Manit oba payday lending rules Payday lenders can’t charge Manitobans more than $17 for every $100 they lend. This includes all charges and fees, including those related to debit and/or credit cards that may be used to provide you with your funds.

You can cancel your payday loan within 48 hours without paying any charges.

For more information about payday lending rules, visit the Consumer Protection Office website at www.manitoba.ca/cca/cpo.

C onsider less cost ly borr owing optionsThere are other types of loans that may cost you less. Consider going to a bank or credit union to see if you can get a line of credit or short-term loan to cover expenses in an emergency.

Shop around to compare borrowing charges before deciding on where to get a loan.

Payday loans are high-cost loans. If you need money for an emergency, get advice from a qualified financial counsellor.

Payday l oans are often t he most expensive way t o borr ow money Although Manitobans are protected by the

toughest payday lending rules in Canada, it’s critical to know your options and borrow wisely.

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July

What to watch for Work hard to gain your trust before they steal your money. They want you to believe that they are your best friend.

Promise high returns with little or no risk.

Rush you into making a decision – they tell you that their offer won’t last long.

W hy government student loans? Government student loans are a great option for many reasons.

You’re automatically assessed for grants and bursaries.

They’re payment-free and interest-free while you’re in school.

They have favourable interest rates.

Learn moreWhether you’re in high school, just graduated from high school, have taken some time off, or you’re at an adult learning centre, Manitoba Student Aid is here to help.

Check us out at www.manitobastudentaid.ca.

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Last year, in addition to loans, Manitoba Student

Aid gave out approximately $30 mil l ion in non-repayable

grants and bursaries*

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Civic Holiday

August

Home buyers should be aware of t he recent changes t o t he O f fer t o Purchase Form and t he new pr otect ion it pr ovides t hem*

Pr operty Disclosure StatementThe new Offer to Purchase form now includes a Property Disclosure Statement (PDS) that is to be signed by the home seller.

A PDS provides a prospective buyer with a more comprehensive understanding of the condition of the home before finalizing the purchase.

The new Offer to Purchase form also includes a provision that a potential home buyer obtain (at buyer’s expense) a home inspection within a reasonable time.

Pr otecting your interestsIf you are buying a home, ask that the seller complete the property disclosure statement.

If you are selling a home, complete the property disclosure statement carefully and make sure it accurately communicates the condition of the house you are selling.

Download the “Protecting the Home Buyer’s Interests” publication at www.mscrealestate.ca for more information.

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Less than half (44%) of al l Manitobans have enlisted the

help of a Financial Adviser*

Benef itsA financial adviser can help you set financial goals, make a plan, choose suitable investments, track progress and adjust your plan as needed.

You can expect your advisor to make clear, specific recommendations for your financial plan, identifying strengths, weaknesses and risks for each.

Payment structures can be flexible. Financial advisers can be paid by salary, flat fee, commission or a combination of all the above.

Finding an adviser you trustAsk family and friends for recommendations when looking for a financial adviser.

Find “Working with a Financial Adviser” and “Questions to Ask when Choosing a Financial Adviser” on The Manitoba Securities Commission website at www.msc.gov.mb.ca.

Check to ensure the adviser you are working with is registered with The Manitoba Securities Commission. Find a list of registered individuals and firms at www.msc.gov.mb.ca under National Registration Search.

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Thanksgiving Day

Halloween

Get t o know your agreementDO read the fine print carefully. Your credit card agreement is a legal contract so be sure you understand what you are signing up for.

DO remember that credit card cash advances charge you interest immediately.

DO pay more than just the minimum monthly payment required. At 19% (a standard credit card interest rate), making only the minimum monthly payments on a $1000 balance means you will spend over 10 years paying it off and an extra $889.40 in interest. Paying JUST $10 more each month can save you $475.79 in interest and pay off the balance in half the time!

Pay off your debts sooner than laterDON’T treat your credit cards as extra cash in your pocket. Borrowed money doesn’t count as income.

DON’T lose money to interest fees. Always try to pay your credit card balance in full prior to the due date. If you can’t pay off the full balance, don’t use your card until the balance is paid.

DON’T assume all credit cards are the same. Compare fees, interest rates and take note of how soon your payments are due. Check out the credit card comparisons at the Financial Consumer Agency of Canada website: www.fcac-acfc.gc.ca.

More t han 74.5 mi l l ion V isa and MasterCards are in use in Canada*

Credit cards can be financially helpful and convenient, BUT they can also start you along the slippery slope into debt.

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Daylight Saving Time Ends

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Increasing your knowledge, ski l ls and conf idence t o make

responsible f inancial decisions wi l l he lp you meet personal goals and

enhance your qual ity of l ife.

Everyday Manitobans are making financial decisions, from budgeting monthly expenses and earnings, to purchasing groceries, clothes and housing, to saving and investing for their future.

Financial literacy is continuous and learned through different stages of life. Having a grasp of the numbers is just the beginning. But sharpening your financial skills, knowledge and confidence will help you make sound decisions, as an individual and on your family’s behalf.

Visit the Financial Literacy Resource website at www.manitoba.ca/finance/literacy for an inventory of existing financial literacy programs and services from various Manitoba government departments, agencies, and provincially-funded community organizations.

– Stan Struthers Minister, Manitoba Finance

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Opening an account Getting a

new jobAcquiring an

education

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Planning for retirement

Getting separated or divorced

Being victimized by fraud

Receiving unexpected

money

Coping with illness and disability Dealing with

dying and death Caring for a loved one Living your

retirement

Buying a car

Getting married

Having a baby

Losing a job

Buying a home

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Financial Literacy

is a skill that we will use throughout our lives. Whether we are buying a home, caring for a loved one or going through a divorce, money and finance come into play. Take some time to think about your personal values, set some goals and make a plan – a financial road map will help you achieve your goals while holding true to your values.

Personal Values

My P lan

Personal Goals

Partners

Seed Winnipeg Inc.Phone: 204-927-9935 Email: [email protected]: www.seedwinnipeg.ca

Knowledge BureauPhone: 204-953-4769 Toll free: 1-866-953-4768Email: [email protected]: www.knowledgebureau.com

Manitoba Healthy Living, Seniors and Consumer Affairs Phone: 204-945-3800Email: [email protected]: www.manitoba.ca/cca/cpo

Investors GroupToll free: 1-888-746-6344Email: [email protected]: www.investorsgroup.com

Manitoba Securities CommissionPhone: 204-945-2548Toll free: 1-800-655-5244Email: [email protected]: www.msced.ca

Manitoba Advanced Education and LiteracyPhone: 204-945-8247Toll free: 1-800-282-8069, ext. 8247Email: [email protected] Website: www.manitoba.ca/ael

Manitoba FinanceEmail: [email protected] Website: www.manitoba.ca/finance

Community Financial Counselling ServicesPhone: 204-989-1900Toll free 1-888-573-2383Email: [email protected]: www.debthelpmanitoba.com

A & O: Support Services for Older AdultsPhone: 204-956-6440Toll free: 1-888-333-3121Email: [email protected]: www.ageopportunity.mb.ca

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Documents

MSC Final ENG[1]...deciding on where to get a loan. UÊPayday loans are high-cost loans. If you need money for an emergency, get advice from a qualiﬁed ﬁnancial counsellor. Payday