1. finance
2. grants, scholarships and financial aid
3. scholarships

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VOLUME 8 ISSUE 02 – FEBRUARY 2015
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Page 2
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Vol. 8 Iss. 02 – February 2015
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The Benefits of Digital Access to Your Health Information
(NC) Alexa Thompson of Halifax,
Nova Scotia, credits access to digital
health tools for allowing her to take
control of her health and becoming
an active partner in her care. After
experiencing a severe post-operative
infection, Alexa spent six months
in the hospital and two months in
homecare, and as a result she couldn’t
work outside of the home.
After this experience, Alexa’s doctor
encouraged her to participate in a
pilot project, which allows her to keep
and access her health records online
using a patient portal.
“By having access to my health
information electronically, I feel much
more empowered to talk to my surgeon
and it allows me to ask my entire health
care team the right questions. I feel
more in charge of what is happening
to me than I ever have before,” says
Alexa.
Digital health can empower all
patients to take control of their health
care. For example, a survey found
that 98 per cent of Canadian patients
who had access to their personal
health record electronically said they
have confidence in the information
presented in their test results. Nearly
seven in 10 (69 per cent) of adults said
digital health solutions would allow
them to take more control over how
their health is managed.
For Alexa, a major advantage is being
able to add her own information into
her record, in addition to accessing
information about her. Alexa was
able to record her family history
using the patient portal. Her family
has a history of heart disease, so for
her, it’s imperative that any health
care provider that treats her has this
information.
“Now I am an active participant in
my own care, not just a recipient, and I
think it’s one of the best things that has
ever happened to me,” explains Alexa.
To learn more about how digital
health can impact your life, visit
betterhealthtogether.ca.
Are you sure you’re ready to move in together?
(NC) Love is in the air. You and your
significant other spend winter evenings
bundled up on the couch, your friends
all get along and every day is a new
adventure. You’re together so often
that you might as well take the next
step and move in with one another…
but wait just one minute. Have you
considered all the implications of
cohabitation? Living together can take
a relationship to the next level, though
there are important things to take into
consideration before making that leap,
as follows:
Financial Implications
Now that you’re splitting your
domestic costs, both of you can enjoy
extra savings. Nevertheless, you should
set certain ground rules beforehand,
as money can become divisive. For
instance, will you equally pay for the
rent/mortgage? Who will handle the
bills or paying for groceries? While it
may not sound romantic, deciding on
who is covering what ahead of time
will save misunderstandings down the
road.
Who Owns What?
You’re madly in love; your
relationship is unlike any other; and
it’s on entirely unshakeable ground.
It makes total sense that your books,
records, and other possessions should
come together as one, forever and
always. However, in the very unlikely
event that the two of you should
one day part ways, separating your
possessions can be exceedingly
challenging and painful. Give some
thought to recording what’s yours at
the outset, just in case.
Protect Yourself
Romance comes in many forms. It’s
in the little things, like inside jokes,
spontaneous outings, and surprise
presents, as well as in the big things,
like moving in together. And when you
do the latter, you can take it one step
further and update your insurance
policy.
“If you add someone to your
homeowner’s policy, removing him or
her can be very difficult. In fact, you
may need to resort to halting payments
to have the policy cancelled so you
can remove them,” says James Hall,
an insurance expert with Western
Financial Group. “Instead, either
add the person as what’s called an
‘additional insured’ or have them get
their own tenant package.”
The same should be applied to
updating your car insurance if you
plan to share a vehicle. Whatever you
decide, start by talking to your broker.
Now that you’ve given all of the
above some thought, you can move in
together with a bit more peace of mind.
More answers to questions about the
nuances of insurance when it comes
to cohabitation can be found online at
www.westernfinancialgroup.ca.
5 secrets for winning a post-secondary scholarship
(NC) Each year, thousands of
Canadian students earn scholarships
that help them offset their education
costs. Surprisingly, over $15 million of
the $70 million available each year in
scholarship dollars goes unclaimed,
according to industry estimates.
“Scholarships are a good source of
education funding – one that you don’t
have to pay back,” advises Melissa
Jarman, director of student banking at
RBC Royal Bank. “Don’t write yourself
off as an unqualified candidate. In
addition to funding school with your
savings, a part-time job, or a student
loan, you could receive an unexpected
Page 4
top-up. Even smaller scholarships will
help out with your expenses.”
Scholarships
are
available
throughout the year, so here are five
tips to help you explore your options:
1. Research: Check your college or
university’s financial aid department.
If you are in high school, check
to see what scholarships are
available to graduating students.
Take advantage of online resources
such as studentawards.com and
scholarshipscanada.com that match
you to available scholarships.
2. Be optimistic: If you’re not a
straight-A student, be aware that
not all scholarships are based on
academic standing. Some of them
reward civic engagement, leadership
experience, your heritage, affiliations,
or a particular skill.
3. Tap your network: You may find
scholarships are offered by your
employer, sports league or your bank.
Ask your parents if their employers
offer funding to children of employees.
4. Plan ahead and start early: Be
prepared to devote time towards
fulfilling scholarship criteria. There
are often essays, questionnaires and
school transcripts to submit, so allot
your time wisely for maximum impact.
For Advertising Information please call: 905.420.4123 or 416.779.2523
5. Be conscientious: Proofread your
application and ensure you followed
all the instructions. Ask friends and
family to review your application
before you send it.
Jarman says that RBC provides
over $550,000 in annual scholarships,
including the Students Leading
Change Scholarships, the Aboriginal
Student
Awards
Program
and
Scholarship Program for the Children
of RBC Employees. More information
is available online at scholarships.rbc.
com.
Vol. 8 Iss. 02 – February 2015
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
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Social media gets young adults plugged into retirement
(NC) When you think of young people
today, who do you think of first —
Millennials or Gen Z, now currently
in elementary school? Used to be Gen
Xers — but of course now they're all
settled down and raising families.
But in the world of marketing and
advertising, it appears that these
demographic lines are blurring
because everyone — regardless of
age — is becoming more tech savvy.
Most people today are glued to their
smartphones, fiddling with apps,
getting their news from social media
and watching their favourite shows ondemand or online. So, when it comes
to figuring out how to connect with
youth, marketers and advertisers are
still looking for the elusive Holy Grail.
The financial services industry
has also been dealing with the same
challenge, particularly in the area of
retirement savings — something that
is best started as early as possible.
But, how do you even start the
conversation with young adults when
as far as they're concerned, retirement
is an abstract notion that's a hundred
years away? The simple solution: Plug
in.
Here's an example: A Canadian
video game developer with a young
workforce in their 20s and 30s
wanted to set up a retirement savings
program with a local provider. The
main challenge for this company was
finding a way to engage its people
in a retirement savings conversation
without actually using the word
retirement.
The first step was to create a private,
employee-only Facebook page. This
seemed like a natural choice given that
the company already used a corporate
Facebook group as an internal
communications tool. But this new
group page wasn't very popular. So
the plan provider tried to create a buzz
among the employees by introducing
an app that uses a technology called
augmented reality (AR). AR blurs the
line between reality and the virtual
world by transforming a static image
— like a poster — into a dynamic
video or graphic. It's been used by the
entertainment industry for years. After
launching the app, the user simply
points the device at a target image, as
if taking a picture. The AR provides
the user with a whole new experience
by transforming the static image into
a three dimensional message with
graphics, sounds, games, etc.
As a result of the new AR application,
participation in the Facebook group
increased. The online community was
kept “alive” with fun conversationstarters, financial Q&As, tips, quizzes
and trivia. After 18 months, the
company found that their employees
were increasing contributions and
were active users of their retirement
savings tools, planners and online
statements.
What's the next step for AR in the
financial industry? One thing for
certain is it will continue to play an
important role in financial literacy
and education. And who knows — in
the near future, new employees could
receive their first-day's orientation and
retirement savings plan presentation
by way of a hologram launched from
an AR app.
For more information about
retirement
savings
plans,
visit
Desjardins Insurance at www.
desjardinsinsurance.com.
How to get a little more green every day
(NC) Small actions can contribute to
big change when it comes to making
green choices in the home. Here
are some low-stress steps for your
day-to-day activities to help reduce
your carbon footprint and create a
healthier, greener lifestyle.
• Eat wisely. A few simple changes
to your daily food habits can
have a tremendous impact on the
environment. Choose to go 100%
veggie or eat less meat. Buy organic
and locally grown items when possible
and reduce food waste. According to
the Food and Agriculture Organization
of the United Nations, more than one
third of all food produced worldwide
is wasted (that's a shocking 1.3 billion
tonnes per year). In fact, unused food
in a landfill is one of the top sources of
greenhouse gases.
• Be energy smart. Canadians are the
second largest consumers of energy
per capita in the world. Reduce your
energy consumption by switching
to compact fluorescent light (CFL)
bulbs, buying low-flow showerheads
and fixing leaky windows. Consider
Vol. 8 Iss. 02 – February 2015
getting a home energy audit to see
where you can cut back. Check how
your appliances measure up with the
EnerGuide rating label, and commit to
buying Energy Star qualified products.
• Get water wise. Reduce, repair, and
retrofit. From installing a low-flow
toilet, to using an outdoor rain barrel,
to taking shorter showers − there are
thousands of ways you can save water
at home.
• Travel light. Leave the car at home.
If possible, walk, bike or take public
transportation. If you must drive,
carpool. Buy a fuel-efficient vehicle.
Fly less. Air travel has a massive
carbon footprint—in fact, it's the
mode of freight transport that has
the most emissions. Consider greener
transportation options like buses
or trains, or travel less altogether
and utilize technology like videoconferencing and e-mail.
• Check your trash. The average
Canadian
produces
about
2.2
kilograms of garbage each day—
that's over 30 million tonnes of waste
in total per year. And the majority
ends up in landfills. Be diligent about
recycling and composting. Check
your municipality website or recycling
hotline for details and support the
Compost Council of Canada.
• Buy smart. Make your everyday food
and beverage purchases with the
environment in mind. For example,
replace your usual single-serve coffee
plastic capsule with an eco-friendly
For Advertising Information please call: 905.420.4123 or 416.779.2523
choice, such as 99% biodegradeable
OneCoffee (also certified organic and
fair trade). You will feel good about
making an eco-conscious purchase,
without compromising on quality.
Simple switches in the grocery aisle
have a big impact. Buying them means
you're doing your part to encourage
more and more sustainable products.
Page 5
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
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SCHWARTZ LEVITSKY FELDMAN INC.
LICENSED PROPOSAL ADMINISTRATORS AND CREDIT COUNSELLORS. TRUSTEE IN BANKRUPTCY.
Page 6
For Advertising Information please call: 905.420.4123 or 416.779.2523
Vol. 8 Iss. 02 – February 2015
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The Whitby RETAIL PAGES
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The Whitby RETAIL PAGES
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8 good reasons to take your pet to the vet for checkups
(NC) One thing is certain no matter
whether you’re a dog person or a cat
person: you love your furry pal.
In fact, a Western Financial Group
study showed that half of Canadians
with pet insurance purchased a policy
in case of emergencies or serious
illness, while 26 per cent did it simply
because they see their pet as a family
member.
Page 8
This means that you do everything
in your power to keep him or her safe,
happy, and healthy. You go out for
exercise whatever the weather, you
opt for a nutritious diet, and you make
sure to visit your veterinarian regularly.
Of course, that visit can prove costly
and many pet owners question
whether or not their pet needs to see
their veterinarian on a regular basis.
According to Dr. Bernhard Pukay,
chairman of the Petsecure Veterinary
Advisory Board, the top eight reasons
for regular checkups include:
1. Prevention is better than reaction:
Just like a human, animals need
checkups to ensure they remain
healthy. This way, you can stop many
illnesses long before they become a
problem.
2. Save yourself money: Prevention
is far less expensive than medical
treatment. So, while you may pay more
in the short term for checkups, you
will ultimately conserve cash if your
pet gets ill or has an accident.
3. Compensate for the aging process:
You’ve heard that dog and cat years
happen much faster than the human
equivalent. With that in mind, an
annual checkup for them is like you
waiting several years for your next
physical. Don’t put it off.
4. It doesn’t need to be costly: By
purchasing a pet insurance policy,
you not only protect yourself and your
four-legged pal from the very high cost
of an emergency, you can also reduce
your routine regular vet fees. “Certain
insurance plans from Petsecure
will cover up to four visits per year,”
explains Dr. Pukay. “You should speak
with your insurance provider to learn
more.”
For Advertising Information please call: 905.420.4123 or 416.779.2523
5. Fend off unwanted visitors: Internal
and external parasites and heartworms
can prove very dangerous for your pet,
but preventing these is easy. Talk to
your vet for appropriate medication.
6. Keep the pounds off: Ongoing
nutritional consultation provided
by your vet allows you to control pet
weight gain and loss, making sure
that your canine or feline roommates
are on diets that are designed with
optimal nutrition in mind.
7. Healthy smiles: The majority of
cats and dogs will experience dental
problems in their lifetimes and,
given how much they rely on their
mouths, it’s particularly important to
properly maintain their teeth. A dental
examination is part of every veterinary
exam and, as always, prevention is
better than treatment.
8. You’d do it for your car: It’s true
that we regularly take our cars in for
maintenance and when the mechanic
fails to find anything wrong, we rejoice.
This should be the same approach
with pet care. Moreover, it will give
your veterinarian a baseline – a way to
understand what state your pet should
be in – which makes it easier to treat
them should an illness or injury occur.
More information is available at
www.petsecure.com.
Vol. 8 Iss. 02 – February 2015
www.retailpages.ca
The Whitby RETAIL PAGES
PROMOTIONS
HOURS OF OPERATION: Breakfast - Fri to Sun 9:15am | Matinee - Mon to Sun 12:15pm | Evening - Mon to Sun 7:00pm
Midnight - Mon to Sun 10:15pm | Quickcash - Wed, Thurs,
s, Fri to Sun 6:15pm
p | Quick Cash Latenite - FFri & Sat 1:00am
Twilite - Fri to Sun 3:30pm
S
E
N
I
T
N
E
L
SPECIAL FEATURE VASSaturday February
DAY
Feb
Feb
ebru
ruary 14th
LIC # M490001
SATURDAY,, FEB. 14TH & 28TH PLAYED AT THE 7:00 PM & 10:15 PM SESSION
22 X $1,000.00
BONANZA BLITZ
From February 12th to February 26 every player at each session
will receive a single faced bonanza card. These cards are to be
played at each session (Matinee, Evening & Late) on
February 26th for a guaranteed $1,000 prize
ALL WINNERS GAME
Collect your ballots on Sunday, February 1st through February 22nd
to come back February 22nd and play for $1,000.00 during the
12:15pm and $3,000.00 during the 7:00pm session.
FOOD BANK GAME
This game is played every Wednesday night during the 7:00pm session.
Bring a non-perishable food item or toy to recieve your card to play a
game to win $1,000.00.
On February 28th, the Super Jackpot is a MUST GO
at all sessions
Food Bankk Game
Game
me at every
eve session
ses for
Free Dabbers
at all sessions
FREE Cupcakes on
Valentine’s Day
PROGRAM
$1,000.00
While supplies last
NEW
11 x $500 PROGRAM
For the month of February every matinee session Mon through Friday
playing the 11 x $500 program… final jackpot $1,000. Played on all
9:15am and 3:30pm programs Friday, Saturday and Sunday. 10:15pm
Session Sunday, Monday, Tuesday, Wednesday & Thursday.
22 x $1000 PROGRAM
Played every Friday and Saturday at the 7:00pm Session
FAMILY DAY
FEBRUARY 16TH FREE QUICK CASH SESSION AT 10:30AM
FOLLOWED BY A 5 X $1,000 PROGRAM. DOORS OPEN AT 9AM.
EXTRA 3:30PM SESSION FOLLOWED BY A 6:15PM QUICK CASH SESSION.
$50,000
MONSTER BINGO April 25th at the 7pm session.
Tickets will go on sale March 8th. Don't be disappointed,
reserve your seat early. You must be 18 years or older to play.
COMPLIMENTARY DINNER
SERVED EVERY SATURDAY BETWEEN 6 PM & 7 PM
975 DILLINGHAM ROAD
LIC # M490001
Vol. 8 Iss. 02 – February 2015
1 block south of Bayly off Brock Road
1st right is Dillingham, 3rd driveway on left
HOT LINE 905 831 2421 www.deltabingo.com
For Advertising Information please call: 905.420.4123 or 416.779.2523
LIC # M490001
Page 9
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
“Empowering you to succeed”
ARE YOU UNEMPLOYED?
LOOKING FOR WORK OR RE-TRAINING?
DO YOU HAVE A DISABILITY OR BARRIER TO EMPLOYMENT?
WE CAN ASSIST YOU WITH:
Workshops on effective job search strategies
One-on-one employment counselling
Resume writing and interview skills
Career planning and exploration
Job development & placement support
Second Career applications
Phone: 905-725-0087
Toll Free: 1-866-794-4677
Fax: 905-725-0935
Referral to other community
programs and services
www.metavocational.com
This Employment Ontario project
is funded by the Ontario Government.
EMPLOYMENT
ONTARIO
Choosing a Corporate Name
In previous articles, we have
addressed issues involving
incorporation and its benefits.
Here we go back to the very first
steps of incorporation - choosing
a corporate name.
When incorporating, you
have the option of opting for a
numbered company. If you wish
to have a named company, you
are required to obtain a name
report known as a NUANS report.
The NUANS report compares
your proposed name with the
registered names. The idea is to
avoid not only conflict but major
similarities where customers
or clients might confuse one
business with the other. The
risk is not only that customers
might be misinformed or misled
by a company name but also the
possibility of the Corporation that
registered its name first suing the
second one for loss of profits.
Similarly, names suggesting
connection to the crown or the
levels of government are prohibited.
Representing a company as
involved in a particular activity
which requires a licence from its
Page 10
governing body is also prohibited
without proper written consent.
For example, a company with the
word “engineer” or “engineering”
in its name would need special
permission from Professional
Engineers Ontario.
Searching the yellow pages,
searching on the internet and
any other source where business
names would be available is a
good way to start and identify
conflicts. Each official NUANS
report requires a fee, which
means, if a name is chosen (to
submit and receive a NUANS
report) without adequate due
diligence, one could easily spend
hundreds of dollars trying to find
a unique name that has not been
already registered. Many on-line
service providers offer the NUANS
search report service.
What
should be kept in mind is that
these reports are valid (the name
is reserved) for 90 days. If you do
not incorporate your company
within that time, the NUANS will
expire and another NUANS search
will be required. This means the
fee needs to be submitted again
and depending on how long it has
done based on either provincial
passed since its expiry, the name
or federal incorporations. A
might no longer be available.
provincial NUANS will not work
Once you decide on the name,
for a Federal incorporation.
and established its availability, Should you require assistance
you will need to choose one of
with incorporating your company
six legal endings (the French
at any stage of the process, do not
equivalents are also available)
hesitate to contact Lawson Clark &
being: Incorporated, Limited,
Oldman Professional Corporation
Corporation, Inc., Ltd., Corp.
at 905-683-2741.
These legal elements cannot act
as the distinguishing factor
of the company name.
For example, if there
is a company
RS
TO
existing with the
I
C
LI
name of Red
SO
&
ES
S
G
Roses Inc.,
R
A
E
ST
TG
naming your
RI
R
R
business
MO
BA
L
&
E
CIA
Red Roses
R
T
E
A
M
Ltd. will not
ST
OM
E
C
L
address the
TE &
S
EA
A
R
R
RUST
T
• ORPO
conflict.
&
ES
• C LS - ESTAT
Just as a
Evenings
By Appointment
• WIL
company
905
can
be
incorporated
provincially
65 Old Kingston Road
or federally, the
Pickering Village
NUANS searches are
K
R
A
L
C N
,
N MA
O
S LD
W
O
A
L &
For Advertising Information please call: 905.420.4123 or 416.779.2523
683-2741
Vol. 8 Iss. 02 – February 2015
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
NEED TO HIRE?
LOOKING FOR WORK?
You NEED to LOOK for…
GAS FURNACES
CENTRAL AIR
LOCAL
IN PRINT AND ON-LINE
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DEAD OR ALIVE
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Abandoned & Unwanted
Cars, Trucks & Vans
HIGHEST CA$H GUARANTEED
Fast FREE Tow
www.airflexltd.com
3252 Lawrence Ave. E.
www.localhelpwanted.ca
ALL DEBT COLLECTIONS INC
YOUR ROAD TO RECOVERY OF FUNDS
AND AVOID BANKRUPTCY!
STOP THE HARASSING
PHONE CALLS, LETTERS,
GARNISHMENTS & LAWSUITS
BY FILING A CONSUMER PROPOSAL WITH A
FEDERALLY LICENSED PROPOSAL ADMINISTRATOR
SCHWARTZ LEVITSKY FELDMAN INC.
LICENSED PROPOSAL ADMINISTRATORS AND CREDIT COUNSELLORS.
TRUSTEE IN BANKRUPTCY.
Low monthly payments.
For a FREE Consultation call today:
371-3872
Ask for James
416.780.2214
Advertising doesn
doesn’tt havee to be expensive…
just EFFECTIVE!
We put money back into your pocket
With no cost to you
FISH AND CHIPS
Our halibut and fries are fresh cut
on the premises. Enjoy your meal
and remember…
BY UP TO 70%
*Percentage calculation will be based on individual information provided. Does not include Court Filing Fee.
(416)
Metro License #H16265
A DC I
We Collect Accounts with No Cost to you
NO Collect – NO Commission
Halibut Time is Everytime!
Contact Us:
Tel: 416-371-6654
Email: [email protected]
Web: www.alldebtcollections.com
1645 Dundas St. East
905 438 0100
Advertising doesn’t have to be expensive…
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Advertising just became even more affordable. With prices starting as low as $79.00/month
based on a full colour ad and a minimum booking of 3 months, you can afford to advertise
and keep your name in the public eye without breaking your budget. For more information
please contact us at: [email protected]
P A G E S IN-PRINT & ONLINE
23
YOUR COMMUNIT Y NE WSPA PE R
PICKERING | AJAX | WHITBY & BROOKLIN | OSHAWA | TORONTO EAST
Phone: 905.420.4123 Email: [email protected] Web: www.retailpages.ca
Buying from Factory
Mattress makes dollars
and cents.
MATTRESSES
Futon frames, mattresses
& covers available
Upholstered beds and headboards
Solid wood bunkbeds
Solid Acacia Wood furniture
RE-UPHOLSTERY
Starting
At
$34
99
EACH
Starting At
RE-UPHOLSTER KITCHEN &
DINING ROOM CHAIR SEATS
• Latex Mattresses • Hospitality • For Trucks & Trailers • Custom
• Institutional
• For Boats • Futon Frames
Sewing
Some conditions apply. With coupon only. Not to be combined with any other offer.
Monday to Friday: 10:00 am - 7:00 pm
Saturday: 10:30 am - 6:00 pm
Vol. 8 Iss. 02 – February 2015
99
$399
We Specialize In Custom Mattress Sizes and Shapes
Queen Size Set
Factory Mattress
since 1986
1650 Bayly., Pickering 905.837.0288
www.factorymattress.com
For Advertising Information please call: 905.420.4123 or 416.779.2523
Page 11
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
Check to see if your retirement savings are safe
(NC) Retirement is on the horizon,
so now you are likely spending far
less time dreaming about it, and
more time actually planning it. As
you focus on your hard-earned
savings, are you sure all of your
money is safe? The failure, or the
bankruptcy of a financial institution
is not beyond possibilities in Canada
– and not all deposits are insured.
Take a minute now to understand the
different types of deposits and how
to apply this information to your own
retirement plan.
First,
the
Canada
Deposit
Insurance Corporation (CDIC) is the
federal agency that exists to protect
the savings of Canadians in the event
their bank fails or goes bankrupt. If
you have an eligible account held in
Canadian dollars at a CDIC member
institution, you’re automatically
insured up to $100,000.
The first thing you should know is
that, while deposits up to $100,000
are insured, not all deposits are
covered, as follows:
Insured Deposits
You will receive insurance on:
• Savings and chequing accounts;
• GICs or other term deposits with an
original term to maturity of 5 years or
less;
• Money orders, certified cheques,
travellers’ cheques and bank drafts
issued by CDIC members;
• Accounts that hold realty taxes on
mortgaged properties.
Uninsured Deposits
There is no insurance coverage for:
• Mutual funds and stocks;
• GICs, and other term deposits with
a date to maturity of more than 5
years;
• Bonds and Treasury bills
• Foreign currency, including U.S.
dollar accounts.
You will be covered up to $100,000
separately for each of the eligible
accounts you hold: an account in one
name, an account in joint names, for
a trust account, and for the RRSPs,
RRIFs, and TFSAs you own.
Here, from CIDC are tips for
applying this information to your
retirement plan:
1. Personal Accounts/Joint Accounts
– If you’re looking to maximize your
insurance protection, it’s good to
remember that deposits held in one
name are protected separately from
those held jointly. So, if you have
personal deposits, your spouse has
personal deposits, and you own
deposits jointly, you would have total
coverage of up to $300,000.
2. Trust Deposits – CDIC insures trust
deposits separately from deposits
held personally by the trustee or
the beneficiary. In this instance, the
deposits are separately insured per
beneficiary not per depositor. So
a trust account in which your five
grandchildren have an equal share
could be protected up to $500,000.
3. Spousal RRSPs – Eligible deposits
held in an RRSP are insured
separately from other eligible
deposits. In the case of a spousal
RRSP, the contributor and the
owner are different people. Eligible
contributions are added to other
registered deposits in the name of the
spouse or common-law partner for
whom the plan is established – and
not with the contributor’s deposits.
4. Foreign currency – If you are a
snowbird or considering becoming
one, it’s important to remember
that CDIC does not insure foreign
currency, including U.S. dollar
accounts.
To take responsibility for your
money and to keep it safe in your
retirement, information is available
from your financial advisor, as well
as online at cdic.ca.
How to get through tax season with a smile
(NC) Spring is not far off, but with
one hurdle first: tax time.
Turn it into an advantage for
yourself with a few easy tips:
File, pay on time – and online
If you owe taxes, file and pay on
time and you won’t get charged late
filing penalties and interest. If you
don’t owe taxes, you should still
file on time. This will ensure that
you receive your Canada child tax
benefits or GST/HST credit without
delay. If you’re expecting a refund,
you can have it in your bank account
in as little as eight days if you file
online and sign up for direct deposit. Claim your tax credits
• Medical expenses – You can claim
amounts spent on eligible medical
expenses, including prescription
drugs, medical devices, and special
dietary needs. If you have medical
coverage through your employer,
you can claim the amounts that were
not covered by the plan.
• Charitable donations – If it’s your first
time claiming charitable donations,
or your first time since 2007, you
may get an extra 25% credit your
donation, to a maximum of $1,000. • Fitness and arts credits for kids
– The children’s fitness and arts
tax credits help make the cost of
art lessons and organized fitness
Page 12
activities for your children under 16
a little more affordable. You can
claim up to $1,000 (under proposed
changes) in eligible fitness-related
expenses, and up to $500 in eligible
arts-related expenses per child.
• Family Tax Cut – It’s a proposed
non-refundable tax credit of up to
$2,000 available to eligible couples
with children under the age of 18,
and is effective starting with the 2014
tax year. Ask for help
If you have a modest income, a
simple tax situation, and need help
completing and filing your return,
many community organizations host
tax clinics that may be able to help
you. To see if you are eligible for
the Community Volunteer Income
Tax Program go to www.cra.gc.ca/
volunteer.
Ask for a payment plan
The Canada Revenue Agency
(CRA) understands that some
taxpayers may be going through
a tough time. If you owe taxes but
can’t pay, talk to the CRA about your
situation. You may be able to set up a
payment arrangement which lets you
pay in smaller chunks over time. More
information is available at www.cra.
gc.ca/paymentarrangements. Don’t leave your taxes to chance
Getting a refund or having a
balance owing when you file your
return is not like winning or losing
the lottery. It’s simple math. If you’re
consistently getting a refund, it
means you’re paying too much tax
during the year. If you always have a
balance owing, consider having more
taxes deducted at source, increasing
your instalment payments, or putting
money into a registered retirement
savings plan.
SUDOKU INTERMEDIATE
SUDOKU CHALLENGING
SUDO K U A N S W E R S
SUDOKU EASY
3 9 8
2 5 6
1 7 4
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5 1 7
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YOUR COMMUNITY NEWSPAPER
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Advertising doesn’t have to be expensive…
just EFFECTIVE!
For Advertising Information please call: 905.420.4123 or 416.779.2523
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Download your current issue at: www.retailpages.ca
For pricing information email us at: [email protected]
Vol. 8 Iss. 02 – February 2015
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
Property
Administrator
is a hot new
career choice
Exciting Career: Be a Property Administrator. The field of
Property Administration can open many career opportunities
for the successful graduate.
YOUR COVERAGE
Y O U R
C O S T
NOC 1224 Property Administrator is ranked with GOOD
employment opportunities in the Labour Market of Ontario.
COMMON JOB TITLES:
• Accommodation Officer
• Government Property Manager
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TYPICAL EMPLOYERS:
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FIND IT IN…
P A G E S IN PRINT & ON-LINE
CLASSES STARTING SOON!
416-510-2739
23
CALL TODAY!
YOUR COMMUNIT Y NEWSPAPER
For more information contact us at
[email protected]
2 5
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[email protected]
www.accessbuscollege.com
SUDOKU INTERMEDIATE
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SUDOKU CHALLENGING
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© 2012 KrazyDad.com
Call to book your ad today: 905
Vol. 8 Iss. 02 – February 2015
420 4123 or 416 779 2523
Copyright © 2015 Retail Pages. All Rights Reserved.
For Advertising Information please call: 905.420.4123 or 416.779.2523
MEADOWVALE
HWY 40
MARKHAM RD.
EGLINTON AVE.
INE AVE.
D.
NR
TO
GS
KIN
LAKE ONTARIO
PICKERING
LAKE RIDGE RD
WHITBY OSHAWA
TAUNTON RD
AJAX
ROSSLAND RD
HWY 401
COURTICE RD
LESLIE ST
.
VICTORIA PARK AVE.
LAWRENCE AVE.
WOODB
Retail Pages does not provide an “Exclusive” clause in the agreement to run any advertising. SSpecial
i l positioning
iti i off ads
d cannott bbe
guaranteed, all ads are situated at the discretion of the publisher. Retail Pages assumes no responsibility for any product or service
reported or advertised and will not knowingly publish any editorial content or advertisement which is illegal or in any way mis leading
to its readers. Retail Pages reserves the right to classify all advertising. The publisher assumes no financial liability for typographic
errors or omissions in copy other than cost of the space occupied by the error. Retail Pages will not accept cancellation of any
advertisement after 7 days prior to the date of publication. Please consult your sales representative for ad deadlines.
Our papers are available in all 5 communities through retail outlets including Walmart, community centres, libraries, restaurants,
banks and GO Train stations as well as our growing number of newspaper boxes and racks.
Visit us online at www.retailpages.ca and download all of our current issues. Email us at [email protected] for pricing info.
HWY 401
ELLESMERE RD.
BROCK RD
YOUR COMMUNIT Y NEWSPAPER
SHEPPARD AVE.
DON MILLS RD.
23
FINCH AVE.
SCARBOROUGH
CONC. 3
P A G E S IN PRINT & ON-LINE
Advertising doesn’t have
ave to be expensive…
just EFFECTIVE!
4
STEELES AVE.
LAKE ONTARIO
Page 13
www.retailpages.ca
The Whitby RETAIL PAGES
FREE WORKSHOPS:
CALL FOR DATES
Clinical Research Associate
Pharmaceutical Manufacturing
Technologist
Pharmaceutical Quality Control &
Quality Assurance
Dental Hygiene
Intra Oral Dental Assistant
Medical Lab Technician
REGISTER EARLY !
Page 14
For Advertising Information please call: 905.420.4123 or 416.779.2523
Vol. 8 Iss. 02 – February 2015
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
PAID ING
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R
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If yo ant is up
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If ap Daycare ild
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Child $1,000/ onth
up to $2,000/m
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IF YO NG &
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OUT
N
NG.
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TRA N FUNDI
R
O
F
IO
CAT
EDU
• PROPERTY ADMINISTRATOR
• BANKING AND
FINANCIAL SERVICES
Canadian Securities
Course (CSC)
Canadian Investment
Funds Course (CIFC)
• Business Administration
• Computerized Accounting
and Canadian Payroll
• Customer Service
• Hospitality Management
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• Medical Office Assistant (MOA)
• Administrative Assistant
• Graphic/Web Design
- Receive Adobe CS6 Suite
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Ajax, Ontario
905.427.9933
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Vol. 8 Iss. 02 – February 2015
For Advertising Information please call: 905.420.4123 or 416.779.2523
Page 15
Online at: www.retailpages.ca
The Whitby RETAIL PAGES
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FEBRUARY IS KINGSDOWN MATTRESS MONTH
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CIANI
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est. 1986
UPDATE YOUR FURNITURE
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Vol. 8 Iss. 02 – February 2015