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1. Dealing with Debt
Many Canadians face a financial crisis at some time.  Most debt problems are easy to solve. Others need professional assistance. The best way to deal with your financial problems is to admit to them and take
control before they get out of hand.
 

This booklet can help you decide whether you have a serious debt problem. It also gives some suggestions for solving your difficulties and avoiding them in the future. The information in this booklet is meant for individuals only and does not apply to corporations.
 

Readers are reminded that this booklet is not meant to be used for legal purposes. Its only aim is to give information to individuals who are having financial difficulties.


2. Smart Consumer Calendar
The Real Estate Council of Ontario (RECO) regulates Ontario’s real estate professionals. Thinking of buying a new home? RECO enforces the standards that real
estate professionals need to meet and maintain, including ethical standards.

RECO also protects the public by:

•Conducting routine inspections of brokerage offices, including records of financial transactions – to make sure they meet the requirements of the Real Estate Business Brokers Act 2002 and to educate brokers.
•Addressing inquiries, concerns and complaints about the conduct of real estate professionals received from all sources – and taking appropriate action.
• Promoting ongoing education for real estate professionals – and making sure they provide competent, knowledgeable and professional service.
When you work with a registered real estate salesperson or broker you benefit from consumer deposit insurance.

Did you know that consumer deposit insurance is part of a mandatory
insurance programarranged by RECO? There is no cost to you – the premiums
are paid for by registered real estate professionals. Consumer deposit
insurance means that your deposit on a new home is insured against loss due to real estate broker fraud, misappropriation of funds, or insolvency.

Find Out More
Get to know RECO before you buy or sell a home! For more information, please visit RECO’s website at www.reco.on.ca.

If you have a question or concern related to the conduct of a real estate
professional, e-mail complaints@reco.on.ca or call 416-207-4800 or
1-800-245-6910.


3. Am I making the most of my money?
Using your money wisely and making informed decisions will help you get more from your money. If you know how to avoid problems and understand marketplace rules, you can protect yourself from consumer traps. The following information addresses some common issues that young people face in developing good marketplace skills. By planning what you will spend and save, you will be able to
reach your financial and consumer goals faster.

How do I use my money wisely?
Money is one of the most important resources you have, and it can cause many problems if not managed properly.

You should always:
• Make sure you are not spending more than you are earning
• Recognize that spending wisely increases the value of your income
• Manage your credit well
• Set aside money each month to take care of unexpected expenses and special events such as birthdays, trips, eating out or shopping
• Set financial goals and follow through on them



4. Dealing with credit
If you are between 18 and 30 years old, you have likely already faced some hurdles in the financial world — maybe you didn’t have all of the information you needed or you just weren’t aware of the obstacles. To avoid going into debt, or to find ways to get out of debt, read the following information.

It will give you a general understanding about the pros and cons of credit.



5. Your Personal Tax Planning Guide 2009/2010
The objective of personal tax planning is to minimize or defer income taxes payable, as part of a long-recognized right for taxpayers to organize their financial/taxation affairs in the most beneficial way possible within legal confines. This requires a thorough understanding of Canada’s Income Tax
Act, plus bulletins, circulars and rulings put forth by the Canada Revenue Agency (CRA), along with other events such as tax rulings in the courts.


This booklet reflects federal legislation to approximately September 15, 2009, plus other draft legislation introduced but not yet passed into law, which are therefore, subject to change before final passage. Unless otherwise stated, the information in this book generally applies to Canadian citizens or residents.






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How to start an investment club
Investment Club Charter
Personal Net Worth
OREO Forms