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.

Resources in ,

Filter


Other People's Money

The Real Business of Finance

The finance sector of Western economies is too large and attracts too many of the smartest college graduates. Financialization over the past three decades has created a structure that lacks resilience and supports absurd volumes of trading. The finance sector devotes too little attention to the search for new investment opportunities and the stewardship of existing ones, and far too much to secondary-market dealing in existing assets. Regulation has contributed more to the problems than the solutions. Why? What is finance for? John Kay, with wide practical and academic experience in the world of finance, understands the operation of the financial sector better than most. He believes in good banks and effective asset managers, but good banks and effective asset managers are not what he sees. In a dazzling and revelatory tour of the financial world as it has emerged from the wreckage of the 2008 crisis, Kay does not flinch in his criticism: we do need some of the things that Citigroup and Goldman Sachs do, but we do not need Citigroup and Goldman to do them. And many of the things done by Citigroup and Goldman do not need to be done at all. The finance sector needs to be reminded of its primary purpose: to manage other people’s money for the benefit of businesses and households. It is an aberration when the some of the finest mathematical and scientific minds are tasked with devising algorithms for the sole purpose of exploiting the weakness of other algorithms for computerized trading in securities. To travel further down that road leads to ruin.

The Financial Rules for New College Graduates: Invest before Paying Off Debt—and Other Tips Your Professors Didn't Teach You

An indispensable guide for any recent graduate that provides simple, easy-to-follow rules for making smart personal finance choices during the first decade of one's career. • Demonstrates how simple choices, especially in the years after college, can guarantee (barring misfortunes such as catastrophic illness or drug addiction) a lifelong, healthy relationship with money • Illustrates how to apply the attitudes inherent in modesty, skepticism, and optimism to all financial decision-making, both upon graduating and in the future • Includes a math refresher for understanding the basic principles of interest rates, credit card debt, investment, and retirement savings • Demystifies without boring, simplifies without condescending to, and above all highlights the relevance and practical applications of financial planning during one's first ten years out of school

Summary of City Government Finances in ...

Bad with Money

The Imperfect Art of Getting Your Financial Sh*t Together

“Humorous and forthright...[Gaby] Dunn makes facing money issues seem not only palatable but possibly even fun....Dunn’s book delivers.” —Publishers Weekly The beloved writer-comedian expands on her popular podcast with an engaging and empowering financial literacy book for Millennials and Gen Z. In the first episode of her “Bad With Money” podcast, Gaby Dunn asked patrons at a coffee shop two questions: First, what’s your favorite sex position? Everyone was game to answer, even the barista. Then, she asked how much money was in their bank accounts. People were aghast. “That’s a very personal question,” they insisted. And therein lies the problem. Dunn argues that our inability to speak honestly about money is our #1 barrier to understanding it, leading us to feel alone, ashamed and anxious, which in turns makes us feel even more overwhelmed by it. In Bad With Money, she reveals the legitimate, systemic reasons behind our feeling of helplessness when it comes to personal finance, demystifying the many signposts on the road to getting our financial sh*t together, like how to choose an insurance plan or buy a car, sign up for a credit card or take out student loans. She speaks directly to her audience, offering advice on how to make that #freelancelyfe work for you, navigate money while you date, and budget without becoming a Nobel-winning economist overnight. Even a topic as notoriously dry as money becomes hilarious and engaging in the hands of Dunn, who weaves her own stories with the perspectives of various comedians, artists, students, and more, arguing that—even without selling our bodies to science or suffering the indignity of snobby thrift shop buyers—we can all start taking control of our financial futures.

1987 Census of Governments: no. 1. Finances of public school systems. no. 2. Finances of special districts. no. 3. Finances of county governments. no. 4. Finances of municipal and township governments. no. 5. Compendium of government finances. no. 6. Employee-retirement systems of state and local governments

The Financial Peace Planner

A Step-by-Step Guide to Restoring Your Family's Financial Health

Provides practical steps to assess the extent of one's financial problems, understand how they developed, create a realistic budget, eliminate debt, repair credit damage, and begin saving and investing

How to Be a Financial Grownup

Proven Advice from High Achievers on How to Live Your Dreams and Have Financial Freedom

Bobbi Rebell, award-winning TV anchor and personal finance columnist at Thomson Reuters, taps into her exclusive network of business leaders to share with you stories of the financial lessons they learned early in their lives that helped them become successful. She then uses these stories as jumping off points to offer specific, actionable advice on how you can become a financial grownup just like them. Financial role models such as Author Tony Robbins, Entrepreneur Ivanka Trump, Shark Tank's Kevin O’Leary, Mad Money's Jim Cramer, Designer Cynthia Rowley, Macy's CEO Terry Lundgren, Zillow's CEO Spencer Rascoff, PwC's CEO Bob Moritz, and twenty others share their stories with you. The book walks you through some of the biggest money decisions you'll make regarding real estate, investing, debt management, careers, friends and money, family finances, and even health and wellness. You're guided by proven examples and given the information you need to make choices that are right for you. How to Be a Financial Grownup will especially appeal to you if you're interested in new ideas to better manage your finances, especially if you're going through life changes where you have to pay more attention to your financial well-being.

State Finances

State Finances

Governmental Finances in ...

City Government Finances in ...

Transforming Central Finance Agencies in Poor Countries

A Political Economy Approach

Enhancing the Capabilities of Central Finance Agencies: Synthesis Report presents the findings of a study of the functions performed by CFAs, defined as government organizations that carry out financial management functions for the whole of government. Using a political economy approach to the analysis of CFAs in ten case studies of low-income countries, the report identifies the principal constraints on the capability of CFAs as: interventions by the head of the state, sometimes outside the provisions of the constitution and budget law, in executive decisions on the institutional arrangements and fiscal policy; deficiencies in management, ranging from excessively centralized and hierarchical decision-making processes to poor staff management and record keeping; and inadequate coordination among donors—and between donors and their clients in finance and planning ministries—in designing and implementing strategies for reforming CFAs and PFM systems. Drawing on results of the cross-country survey of CFAs, the first of its kind, the report presents evidence and offers explanations for an “inverted U-curve” for the concentration of central finance functions across country income groups. In low-income countries, CFA functions are often poorly defined and may be performed by agencies other than the Finance Ministry, leading to fragmented and inconsistent policy implementation. Middle income countries tend to concentrate central finance functions in the Finance Ministry to strengthen their control. In high-income countries, Finance Ministries tend to retain control of policy but delegate operational functions to specialized agencies. The report will be of interest to country authorities seeking to improve coordination across central finance functions and other stakeholders in the reform process

Film Financing

Owner Financing

Creative Financing

Business Financing

corporate finance

Personal & Business Finance

Behavioral Finance

Finance and Accounting

Divorce Finance

Smart Personal Finances

Canada. Innovation, Science and Economic Development - 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

Thrive Counselling - Financial Fitness / Credit Counselling - Oakville Head Office

Provides money management planning, budgeting advice and counselling concerning credit and debt matters

Major services:
* debt and financial stress management
* administration of debt repayment resolution plans
* money management counselling for individuals or couples
* bankruptcy counselling where they have recommended this service to another provider in the community
* third-party advocacy regarding debt and financial problems

* counselling times can be arranged by appointment only for Oakville, Burlington or Milton

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

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

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

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

Hamilton. Corporate Services - Information for Residents - City Hall

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

Haltech - Tech Place

Business innovation services include:
* Haltech HEAT™ startup services program
* HORIZON 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

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.