Browse by keyword "Finances"
1. 10 Ways to Spend Less (2009)
Authors: Money Mentors
Collection: Learning Materials
This fact sheet is one of a series prepared by Money Mentors, a non-profit credit counselling and money management organization based in Alberta.
This document includes tips for spending less in a variety of situations, including saving money on household bills; avoiding impulse purchases; and finding things for free. For instance, the authors point out that in addition to books, libraries have collections of DVDs and CDs available for borrowers.
Added: 2010-12-17
2. 8 Tips for Easier Saving (2009)
Authors: Money Mentors
Collection: Learning Materials
This fact sheet is one of a series prepared by Money Mentors, a non-profit credit counselling and money management organization based in Alberta.
It contains a variety of tips for saving, including choosing a goal; setting up an automatic withdrawal plan; and putting loose change in a jar.
Added: 2010-12-21
3. Advancing Social Finance in Canada: Moving Towards Social Impact Bonds (2012)
Authors: Siobhan Harty
Collection: Learning Materials
This presentation explores the opportunities and challenges the Government of Canada faces in advancing social finance initiatives, including social impact bonds (SIBs).
Interest in social finance in Canada is being driven by demand from stakeholders within both the private sector and not-for-profit communities seeking a more strategic investment that provides both a social and an economic return, the author explains.
Human Resources and Skills Development Canada (HRSDC) is leading an interdepartmental working group to identify legal and administrative barriers to the development and implementation of SIBs and similar social finance instruments in Canada. Four broad areas have been identified, including clarification of the treatment of such investments under the Income Tax Act; the need to identify the appropriate mechanisms to allow the government to indirectly pay a profit to investors; accounting and budgeting concerns; and the treatment of intellectual property developed during SIB pilots.
HRSDC will implement a pilot project to test pay-for-performance, private sector upfront investment, return on investment, and new ways of risk-sharing between the federal government and non-government organizations.
The presentation was part of the agenda for the Centre for Literacy’s Fall Institute 2012, held in Saint John, New Brunswick. The centre supports best practices and informed policy development in literacy and essential skills.
Added: 2013-01-21
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4. All About Credit (2009)
Series: Self-help booklets for managing your personal finances
Authors: Consolidated Credit Counseling Services of Canada, Inc.
Collection: Learning Materials
This booklet is a self-help guide for learning about credit and debt. It covers topics like instalment credit and revolving credit; what consumers need to know about credit cards; pros and cons of using credit; and building a credit history.
The authors also discuss how lenders decide to whom to give credit; the responsibilities of the borrower; determining a reasonable debt load; and laws related to credit granting and debt collection.
The authors provide links to several online sources of information about finances.
Added: 2010-03-10
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5. Avoiding Foreclosure (2009)
Series: Self-help booklets for managing your personal finances
Authors: Consolidated Credit Counseling Services of Canada, Inc.
Collection: Learning Materials
This is another in a series of free self-help guides prepared by Consolidated Credit Counselling Services of Canada Inc. The guide is aimed at those who are falling behind on mortgage payments and want to avoid losing their homes. The authors set out the options available and evaluate the relative merits of each option.
The process of foreclosure varies from province to province. While this guide focuses primarily on Ontario, the authors have included a link to a website with information on the regulations governing foreclosure in other parts of Canada.
Added: 2010-06-30
6. Banking Worksheets (2009)
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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7. Bringing Social Impact Bonds to New York City (2012)
Presentation at the Fall Institute 2012, Saint John, NB – October 14 – 16, 2012
Authors: Linda I. Gibbs
Collection: Learning Materials
This presentation offers an overview of a City of New York program aimed at reducing the rate of reoffending among young prison inmates, and funded through an investment vehicle called a social impact bond, which encourages private-sector funding for promising social programs.
The goal of Adolescent Behavioral Learning Experience (ABLE) is to improve decision-making, problem-solving, and self-control skills in order to decrease participants’ likelihood of future criminal behavior. The investment banking firm Goldman Sachs is investing almost $10 million to fund the program, with the investment structured as a loan to the non-profit organization leading the project.
The author explains that the public sector commits to paying the program contractor only if improved social outcomes, confirmed through third-party evaluation, are achieved.
The concept is relatively new and New York City will be the first city in the United States to implement this financing model.
The presentation was given during the Centre for Literacy’s Fall Institute 2012, held in Saint John, New Brunswick. The centre supports best practices and informed policy development in literacy and essential skills.
Added: 2013-01-08
8. Budgeting 101: Your Money Guide for Getting Through School (2009)
Series: Self-help booklets for managing your personal finances
Authors: Consolidated Credit Counseling Services of Canada, Inc.
Collection: Learning Materials
This document, one of a series of free self-help guides prepared by Consolidated Credit Counseling Services of Canada, is aimed at young people moving on to postsecondary education.
The authors discuss the cost of education and offer suggestions for managing debt, budgeting and saving money on expenditures.
Added: 2010-06-30
9. Budgeting Made Easy (2009)
Series: Self-help booklets for managing your personal finances
Authors: Consolidated Credit Counseling Services of Canada, Inc.
Collection: Learning Materials
This is another in a series of free self-help guides prepared by Consolidated Credit Counseling Services of Canada. The goal of the guide is to help the user work out a successful budget and learn strategies to avoid excessive debt.
The guide includes worksheets on fixed expenses, discretionary expenses and credit-card debt, as well as tips for using credit wisely. It also contains personal accounts of families learning to manage their finances.
Added: 2010-02-24
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10. Buying a Home (2009)
Series: Self-help booklets for managing your personal finances
Authors: Consolidated Credit Counseling Services of Canada, Inc.
Collection: Learning Materials
This document, one of a series of free self-help guides prepared by Consolidated Credit Counseling Services of Canada, is aimed at first-time home buyers.
The authors explain how to decide whether you can afford to buy a house and, if so, how big a mortgage you can afford to carry. They discuss the upfront costs of home-buying, including the down payment, appraisal costs and legal fees. They also discuss other costs, like appliances, moving expenses and service hook-up fees, and offer suggestions for cutting down on expenses.
Added: 2010-07-06
© 2012 National Adult Literacy Database
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