National Adult Literacy Database

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

This booklet is part of the Newcomers Finances series produced by Ottawa Community Loan Fund (OCLF). The worksheets cover a range of banking matters, including opening an account; cashing a government cheque; making deposits and withdrawals; direct deposit; preauthorized debits; Internet and telephone banking; banking fees; and dealing with banking problems. Each section includes step-by-step descriptions of each banking activity.

There are also real-life examples of banking matters. For instance, one section outlines the steps someone takes to cancel a preauthorized debit for a monthly gym membership once he decides to quit the gym.

Added: 2010-03-24

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See also:

• Services bancaires - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

The worksheets begin with an explanation of credit and debt, including credit history and credit reporting. One worksheet deals exclusively with newcomer loans. Other worksheets explain different kinds of borrowing, like a credit card; loan; line of credit; or payday loan.

Other topics include the cost of borrowing; managing debt; overdraft protection; instalment sales; the difference between a prepaid card and a credit card; and rent-to-own contracts.

One worksheet gives a real-life example of someone who realizes she is unable to pay her phone bill in full one month and the steps she takes to deal with the problem.

Added: 2010-03-24

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See also:

• Crédit - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

This booklet is part of the Newcomers Finances series produced by Ottawa Community Loan Fund (OCLF). It begins by explaining what fraud is, then outlines different kinds of fraud like identity theft and scams.

The booklet includes an exercise on spotting a fraudulent email and a checklist for preventing identity theft. It also explains what to do if you become the victim of fraud.

Added: 2010-04-20

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See also:

• Fraude - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

This booklet is part of the Newcomers Finances series produced by Ottawa Community Loan Fund (OCLF). It begins by outlining some of the areas in which government support programs are available.

The authors describe specific government programs like immigration loans; GST/HST credit; housing programs; and working income tax benefit. They also include sections on programs for children; youth; students; seniors; and people with disabilities.

The booklet also contains some real-life examples to help explain who is eligible for government support programs.

Added: 2010-04-14

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See also:

• Programmes de soutien du gouvernement - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

The worksheets begin by explaining the concept of income tax, including what the government does with the money it collects. It also explains deductions for pensions, taxes and employment insurance.

Other topics include who pays income tax and why; papers to keep for tax time; determining marital status; filing a return; getting help with filing; and dealing with income-tax problems.

Added: 2010-03-24

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See also:

• Impôt sur le revenu - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

This booklet is part of the Newcomers Finances series produced by Ottawa Community Loan Fund (OCLF).

The authors begin by explaining the principle of insurance, then go on to describe different types like property insurance; life insurance; disability insurance; health insurance; and travel insurance.

They explain the subtypes available within each broad category. For example, in discussing life insurance, they differentiate between permanent and term policies. In discussing home insurance, they explain the difference between comprehensive and named-perils policies.

The guide also discusses how to buy insurance; how to make a claim; and how to deal with insurance problems.

Added: 2010-04-14

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See also:

• Assurance - Feuilles de travail

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

This booklet is part of the Newcomers Finances series produced by Ottawa Community Loan Fund (OCLF). It begins with a discussion of the relative risk level of guaranteed investment certificates (GICs); government or corporate bonds; mutual funds; and publicly traded stocks.

The authors then explain the purpose of and regulations governing a Registered Retirement Savings Plan (RRSP); a Registered Education Savings Plan (RESP); a Tax-Free Savings Account (TFSA); and a Registered Disability Savings Plan.

The booklet ends with a section on investment scams and how to avoid them.

Added: 2010-04-14

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See also:

• Investissements - Feuilles de travail

Instructor's Manual

Series: Newcomer Finances Toolkit

Authors: Ottawa Community Loan Fund (OCLF)

Collection: Learning Materials

The manual is designed for teachers in adult language classes or workers at settlement agencies. These instructors are not expected to be experts on financial matters.

Among the topics addressed are banking, credit, income tax, government support programs, investments, insurance and fraud.

Each topic area comes with an overview of the subject for instructors as well as a set of materials to use in the classroom or one-on-one with students. The worksheets have been developed for lower-level English language students, to meet a gap in the resources available from other sources. They focus on the knowledge and skills needed to function effectively in the initial settlement period.

Each topic area also contains references to materials available for higher-level language students and to online resources and calculators that can be used in the classroom.

Added: 2010-03-17

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See also:

• Les nouveaux arrivants et les finances