Finances-Other

Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. But with proper financial planning, you’ll be able to determine how much money you’ll need for monthly expenditures, tax payments, and future savings, and be able to manage your finances effectively. Financial experts have differing views on how much money you should keep in savings, how and where to invest your money, and how best to manage your monthly and yearly costs. At times, debt-loads can begin to feel overwhelming. A consumer proposal can help. Through a Licensed Insolvency Trustee (LIT), you can put together a proposal document that offers to pay back creditors in a certain way, under certain terms. Planning for your children’s education costs, as well as your retirement are all important financial considerations. Do you have questions about your current financial situation or debt-load? Would you like guidance or information from a financial expert for yourself, a friend or loved one? Are you looking for resources within your community to help you manage your overall financial picture? Kinjunxion is here to help with sources of support and information.

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Canada.Innovation, Science and Economic Development Canada - Office of the Superintendent of Bankruptcy Canada - Hamilton Central

Supervises the bankruptcy system, provides information on the bankruptcy process to debtors, and responds to complaints from bankrupts and creditors.

Burlington. Finance Department - Burlington City Hall

The City of Burlington Finance Department is responsible for:
* municipal budgets
* financial statements
* property taxes
For property tax reduction / deferral programs, see separate listing here

Burlington. Finance Department - Assessment & Taxation Section - Burlington City Hall

This division of the Finance Department collects property taxes and administers Seniors' grants, charity rebates and vacancy rebates.

For questions regarding property assessment, call the Municipal Property Assessment Corporation 1-866-296-6722

Business Development Bank of Canada - Hamilton Branch

Financial institution owned by the Government of Canada

Financial services: Terms loans * subordinate financing * venture capital

Consulting services: Business planning * financial planning * marketing research * ISO standards * human resources * technology and innovation * business transition

Haltech - Tech Place

Business innovation services include:
* startup services program
* program for Global Scaleups & SMEs
* free market intelligence reports
* access to exclusive funding opportunities (grants, investments)
* entrepreneurship and commercialization workshops
* investment pitch opportunities and startup exhibitions
* referrals to vetted service professionals
* provide valuable business connections and technology partners
* extensive networking and events

Hamilton. Corporate Services - Information for Residents

Provides information to residents relating to the City Clerk's office, access and equity, tax rates and city budgets, procurement, and risk management.

Business Development Bank of Canada - Halton Business Centre

A federal Crown corporation wholly owned by the Government of Canada and mandated as Canada's business development bank * mission is to help create and develop strong Canadian businesses through financing, consulting services and securitization, with a focus on small and medium-sized enterprises.

Supports entrepreneurs in all industries and at all stages of development from more than 100 business centres across Canada and online at bdc.ca.

Major services include:
Financing:
Term loans such as realty and equipment loans, working capital loans, start up loans.

Consulting:
Expert advice to help businesses be more competitive * a national network of consultants who can help businesses solve problems, improve performance and help achieve the most ambitious goals.

BDC Capital:
Offers innovative solutions with terms and conditions tailored to meet the unique needs of entrepreneurs and innovators looking to raise capital for their growth and transition projects.

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full listing here

Burlington. Finance Department - Property Tax Reduction / Deferral - Burlington City Hall

Tax Rebate / Reduction
1. Low Income Seniors Property Tax Rebate
* City of Burlington property tax rebate of $ 525 for eligible seniors (see "Eligibility" below)
* application deadline December 31 each year
Contact or see website for more information and application form

Tax Deferrals
Note: using a tax deferral will make homeowner ineligible for tax rebate, and may have impact on other tax credits

1. Low-Income Seniors and Persons with Disabilities Property Tax Increase Deferral
Defers increases in property taxes
* for low income seniors and low income persons with disabilities (see "Eligibility" below)
* a Region of Halton program, administered by the four local municipalities
* allows eligible homeowners to defer property tax increases to keep payments at a constant level as long as the property is their principal residence
* accumulated total of all deferred amounts is paid when property is sold or no longer the applicant's principal residence
* a lien is registered against the property at the time of the first deferral, and applies to all future deferrals
* application must be made annually, on or before 45 days after the mailing of the final property tax bill, which normally occurs in early June
Contact or see website for more information and application form

2. Older Adults Property Tax Deferral Program
Defers the full amount of property taxes for older adults under a certain income
* deferral is interest-free, but a lien is registered against the property
For more details, see full listing here

Good Shepherd Centres - Notre Dame House

Offers shelter services, a resource center, and a school serving at-risk youth.
Services include:
* 24 Hour a day intake and admissions
* Meets basic needs by providing all meals and snacks, clothing, laundry and hygiene products, etc.
* Advocacy and Case Co-ordination
* Recreational / Therapeutic programming
* On-Site Access to Mental Health Services and Consulting Psychiatry
* On-Site Access to a General Practitioner and/or Nurse Practitioner
* On-Site Addiction / Substance Use Supports (Alternatives for Youth)
* On-Site Withdrawal Management Assessment and Monitoring (St. Joseph’s Hospital)
* Aftercare services through our Community Resource Centre

The Notre Dame Community Resource Centre, is a multi-agency resource centre for at-risk youth residing within the community who are between 16 and 21 years of age. Youth have access to a number of outreach support services and programs to assist them in remaining housed; diverting them from homelessness and street involvement.

A case coordinator assists the youth in navigating community and internal services based on their identified needs.