Nurturing Supporting Relationships: The Foundation to a Secure Future

This handbook provides a guide for actions to take when nurturing supporting relationships for people living with a disability.



Communicating on Race and Racial Economic Equity

This document is a compilation of best practices and recommendations from a wide range of resources that Prosperity Now’s Racial Wealth Divide Initiative (RWDI) and Communications teams thought would be helpful for naming, framing, defining and understanding the issue of racial economic equity. Design guidelines on visually depicting diverse communities and definitions of important terms and concepts for understanding the nuance and complexity of racial economic equity, the racial wealth divide and racial wealth equity are provided.



Creating Financial Security: Financial Planning in Support of a Relative with a Disability

This handbook covers the following topics:

  • An understanding of why financial planning is important and how to align your financial objectives with your life goals and values.
  • An overview of common financial planning components and tools available to individuals with a disability (including the ODSP, RDSP, DTC, and more).
  • Common financial planning strategies for young, middle-aged and older families.
  • Tips for finding a good financial advisor.
  • Common pitfalls people make when it comes to planning for a loved one with a disability, and how to avoid them.



The MIX Challenge Toolkit: Tools & Techniques for Challenge-Based Innovation Partnerships & Procurement

The Municipal Innovation Exchange (MIX) project team created this Toolkit to assist municipalities - individual line managers or project owners, or municipal strategic teams (like a Smart Cities Office) - that are contemplating or undertaking a procurement by means of innovation partnership.

The Toolkit can help municipal staff decide which projects are a good fit for this approach to procurement. It can help them initiate and manage an innovation partnership. It can also help them assess the whole experience afterwards and determine if and how to apply innovation partnership again.

Stop Overpaying, Start Switching

In the past year, 1 in 4 Canadians surveyed renegotiated their contracts or switched providers to take advantage of better deals and services.

This webpage provides information on switching or renegotiating your contract to reduce your monthly bills and get better products and services.



Northwest Territories Income Assistance Handbook

The Income Assistance Program provides Financial Assistance to Northerners to help meet basic and enhanced needs. The program encourages and supports greater self-reliance to improve the quality of lives.

This plain language handbook is for people who may want to play for Income Assistance. It provides information on:

  • The program
  • Who is eligible
  • How to apply or appeal

The handbook also contains helpful contact information on the following resources in the Northwest Territories including:

  • other income security programs
  • health and medical resources
  • renters rights
  • federal disability, seniors, and family supports

 



Guide de recours : Lors d’un conflit avec un fournisseur de communication

A guide for consumers to help with problems related to communications services. Information is provided to allow consumers to better assert their rights and facilitate the resolution of a dispute with communication service providers. (Please note this is a French-language resource.)



Creating Communities Where We Live – A Good Practices Guide

Creating Communities Where We Live - A Good Practices Guide is a locally-driven community-based researched project conducted in Edmonton, Alberta, by e4c and the University of Alberta Community Service-Learning program. The project seeks to add to the knowledge and practice of community care around supporting people to achieve a safe, secure, and affordable housing experience.

The 10 good practices in this guide describe structures, roles, and relationships which promote community and wellbeing for tenants who live in affordable housing. The practices are informed, in part, by research into tenant and staff experiences at affordable housing complexes run by four Edmonton housing providers.



National Strategies for Financial Education: OECD/INFE Policy Handbook

Financial education has become an important complement to market conduct and prudential regulation and improving individual financial behaviours a long-term policy priority in many countries. The OECD and its International Network on Financial Education (INFE) conducts research and develops tools to support policy makers and public authorities to design and implement national strategies for financial education.

This handbook provides an overview of the status of national strategies worldwide,  an analysis of relevant practices and case studies and identifies key lessons learnt. The policy handbook also includes a checklist for action, intended as a self-assessment tool for governments and public authorities.



Helping Consumers Claim their Economic Impact Payment: A guide for intermediary organizations

The Consumer Financial Protection Bureau (CFPB) released a guide to assist intermediaries in serving individuals to access their Economic Impact Payments (EIPs). The guide, Helping Consumers Claim the Economic Impact Payment: A guide for intermediary organizations , provides step-by-step instructions for frontline staff on how to:

  • Discuss the EIP with their clients
  • Determine if clients need to take action
  • Support clients with what to expect and how to troubleshoot common issues



Questions and answers to legal topics in Ontario

The Community of Legal Education Ontario (CLEO) website contains answers to common questions pertaining to a number of legal topics, including: COVID-19, debt and consumer rights, and employment and work.



Youth Reconnect Program Guide: An Early Intervention Approach to Preventing Youth Homelessness

Since 2017, the Canadian Observatory on Homelessness and A Way Home Canada have been implementing and evaluating three program models that are situated across the continuum of prevention, in 10 communities and 12 sites in Ontario and Alberta. Among these is an early intervention called Youth Reconnect.

This document describes the key elements of the YR program model, including program elements and objectives, case examples of YR in practice, and necessary conditions for implementation. It is intended for communities who are interested in pursuing similar early intervention strategies. The key to success, regardless of the approaches taken, lies in building and nurturing community partnerships with service providers, educators, policy professionals, and young people.



Your rights at work

This publication explains a worker’s legal rights under the Employment Standards Act regarding hours of work and pay, overtime, breaks, holidays and vacations, and leave from your job. It also has information about how to make a claim against an employer.



Workers’ Compensation: Making a claim

This resource explains what a worker should do if they have a job-related injury or disease, how they can apply for benefits from the Workplace Safety and Insurance Board, and what happens when the Board gets a report of their injury. It also has sections about what their employer must do, and where injured workers can get legal help.



Building financial capability through financial coaching: A guide for community colleges

This guide was created to be a resource for community college educators, staff, and administrators interested in implementing financial coaching as a way to empower students to build money management skills and make healthy financial decisions. Strategies for integrating financial coaching into a variety of services that can be offered to students in a community college setting are offered. A step-by-step toolkit for implementing financial coaching services, along with recommendations, best practices, and resources is also provided.



Elder Fraud Prevention and Response Networks Development Guide

This guide provides step-by-step materials to help communities form networks to increase their capacity to prevent and respond to elder financial exploitation.

The planning tools, templates and exercises offered in this guide help stakeholders plan a stakeholder retreat and training event, host a retreat, reconvene and establish their network, and expand network capabilities in order to create a new network or to refresh or expand an existing one.



COVID-19: Managing financial health in challenging times

This guide from the Financial Consumer Agency of Canada shares guidelines and financial tips to help Canadians during COVID-19. The topics include: getting through a financial emergency, where to ask questions or voice concerns, what to do if your branch closes, and more.

Seniors: tips to help you this tax season

As a senior, you may be eligible for benefits and credits when you file your taxes. The Canada Revenue Agency has tips to help you get all of them! This page includes tips for seniors at tax time and links to relevant Government of Canada resources. 

How to use your tax refund to build your emergency savings

Learn how your tax return can kickstart your savings. This guide from the Consumer Financial Protection Bureau walks you through some fast and easy ways to use your tax refund to increase your savings.

This guide covers multiple topics including: why save your tax return, how to save money fast, affordable ways to file your taxes, and how to protect yourself from tax fraud. 



Smarter Financial Education: Key lessons from behavioural insights for financial literacy initiatives

This publication presents key findings for financial education, drawn from the IOSCO/OECD joint report “The Application of Behavioural Insights to Financial Literacy and Investor Education Programmes and Initiatives”. It gives a short overview of the ways in which behavioural insights are relevant for financial education and then summarises five key lessons that policy makers can follow, illustrated with the experiences of OECD/INFE members.



Getting Legal Help: A Directory of Community Legal Clinics in Ontario

This resource provides a directory of community legal clinics in Ontario.

Community legal clinics provide information, advice, and representation on various legal issues, including social assistance, housing, refugee and immigration law, employment law, human rights, workers' compensation, consumer law, and the Canada Pension Plan. Some legal clinics do not handle all of these issues, but staff may be able to refer you to someone who can help.

Community legal clinics are staffed by lawyers, community legal workers, and sometimes law students. Each legal clinic is run by a volunteer board of directors with members from the community. All help is private and confidential and provided free of charge.



Introduction to Program Evaluation for Public Health Programs: A Self-Study Guide

This document is a “how to” guide for planning and implementing evaluation activities. The manual, based on Centers for Disease Control and Preventions's Framework for Program Evaluation in Public Health, is intended to assist managers and staff of public, private, and community public health programs to plan, design, implement and use comprehensive evaluations in a practical way.



Coaching and Philanthropy: An Action Guide for Nonprofits

The Coaching and Philanthropy Project was created by CompassPoint in collaboration with Grantmakers for Effective Organizations, BTW informing change and Leadership. This guide uses the data collected during the project to answer a few questions including: What is coaching? How can coaching contribute to my development as a nonprofit leader? What kind of coaching is right for me and my organization? How much is coaching? to assess and advance coaching as a strategy for building effective nonprofit organizations.



2017 Bank On Data Pilot: Accessing Local Data

Bank On coalitions are locally-led partnerships between local public officials; city, state, and federal government agencies; financial institutions; and community organizations that work together to help improve the financial stability of unbanked and underbanked individuals and families in their communities. The CFE Fund’s Bank On national initiative builds on this grassroots movement, supporting local coalitions with strategic and financial support, as well as by liaising nationally with banking, regulatory, and nonprofit organization partners to expand banking access. This tool details the 2017 Bank On Data Pilot and includes instructions for accessing the local Bank On data at the city and zip code level.



Protecting vulnerable clients: A practical guide for the financial services industry

Firms and representatives in the financial services industry occasionally encounter situations where a client’s vulnerability causes the client to make decisions that are contrary to his or her financial interests, needs or objectives or that leave him or her exposed to potential financial mistreatment.

Because of the relationships they develop with their clients and the knowledge they acquire about clients’ financial needs or objectives over time, firms and representatives in the financial sector can play a key role in helping people who are in a vulnerable situation protect their financial well-being. They are instrumental in preventing and detecting financial mistreatment among consumers of financial services. Firms and representatives can also help clients experiencing financial mistreatment get the assistance they need.

This guide proposes possible courses of action to protect vulnerable clients. Its purpose is to provide financial sector participants with guidance on the steps they can take to help protect clients’ financial well-being, prevent and detect financial mistreatment, and assist clients who are experiencing this type of mistreatment.



VITA: A step-by-step guide to increase your impact

In this report, The Common Cents Lab and MetLife Foundation share findings from the experiments we have run over the past several years with VITA providers to improve tax-related outcomes. We encourage you to consider implementing these ideas and engaging in additional conversations about how to use behavioral science to increase financial capability for all taxpayers. 

The report outlines a series of interventions that exemplify
ways these best practices have been implemented in the field and
how to use behavioral science to further extend their impact. We’ve
organized these interventions into two categories:

  • Increasing uptake and retention in VITA, and
  • Increasing refund savings.



Managing spending: Ideas for financial educators

As financial educators know, making day-to-day decisions on spending money is one of the biggest challenges consumers face in keeping their financial lives in order. Many people find it difficult to manage their household finances on a daily basis, let alone over the long term.

This brief from the Bureau of Consumer Financial Protection identifies a few ideas to explore causes of over-spending and ideas to help prevent it. 



Financial Resources for End of Life

There may be resources to help us with the expenses of taking care of our departed. Often these resources are never tapped into but could have helped with the costs taken on by the surviving family or friends. We need to “look under every stone” to ensure that we have found all of these financial tools.

This guide on financial resources for 'end of life' was created by the United Way of Bruce County. 

 



Debt and Consumer Rights: Credit repair

This educational brief from CLEO explains what a credit report is, and what to do if you want to fix your credit report or work with a credit repair agency.



The Little Black Book of Scams (2nd edition)

Scammers are sneaky and sly. They can target anyone, from youngsters to retirees. They can also target businesses. No one is immune to fraud.
Our group of superheroes has found a way to see through the scams. Their secret is simple: knowledge is power!

Read this booklet to find out how you can also become a fraud-fighting superhero. Share this booklet with family and friends and start powering up!



Financial Coaching Program Design Guide: A Participant-Centred Approach

This comprehensive resource from Prosperity Now supports organizations in developing a participant-centered financial coaching program. Grounded in a field survey, over 100 interviews, expert advice and beta-testing with six new financial coaching programs, the Coaching Guide highlights the strengths and limitations of financial coaching, offers designs tools, showcases promising models and practices, and includes resources from program leaders and financial coaches. 



Group RESP Educational Materials

This document explains the basics of group RESPs, including what they are, what they may cost, what you need to know about your group RESP if you are already enrolled in a plan, and how to figure out your options.

Read more about the research behind these materials here.

 

 

The Complaints Process for Retail Investments in Canada: A Handbook for Investors

Canadian investors need more and better information to protect themselves  both when they act on their own and when they retain lawyers. This handbook is intended to help Canadian investors better understand the choices they face when making a complaint and the impact of those choices. It can also serve as a guide to assist them when they work with lawyers, particularly those whose law practice does not focus on assisting Canadian investors in obtaining financial compensation.

What to do when you get an income tax refund


This is a document from the Financial Consumer Agency of Canada explaining tips on how to manage your refund at tax time to make the most of it.



REMPLIR UNE DÉCLARATION PEUT VOUS ÊTRE AVANTAGEUX! – Nouveaux arrivants

Facilitating Intentional Group Learning – A Practical Guide to 21 Learning Activities

Saving for financial shocks and emergencies

Managing Debt & Setting Goals for the Future

Increasing Income & Managing Expenses

Tips for Providing Financial Capability Services to Immigrant Communities

Organizing and managing finances

So You Want to Conduct A Survey?

Selecting Programs for Integrating Financial Capability Services

Backbone Effectiveness: 27 Indicators

A Policymaker’s Guide to Basic Income

Big Money: Structuring Minor’s Trust Programs for Native Communities


This manual is intended to help tribal leaders and their attorneys, financial advisors, and money managers in Native communities in the US think about innovative ways to structure minor’s trust programs. It turns out there are a lot of simple things that can be done to help kids make good decisions when they get their Big Money.


myRA: A New Way To Save for Retirement

Values-Centered Financial Education. Understanding Cultural Influences on Learners’ Financial Behaviors

Beginning with the end in mind: Planning pilot projects and other programmatic research for successful scaling up

Practical guidance for scaling up health service innovations

Worksheets for developing a scaling-up strategy

Low Income Retirement Planning: Four things to think about & Maximizing GIS

Buying and Maintaining a Home: Planning Your Housing Budget

Renewing and Renegotiating Your Mortgage

Tips to save money while you’re in school

Save for Your Child’s Education with an RESP

Shopping Around for a Mortgage

Shopping Around for a Line of Credit

Thinking of Opening a Tax-Free Savings Account (TFSA)?

Understanding your Credit Report and Credit Score

Understanding Variable Interest Rate Mortgages

Be Smart with Your Credit Card: Tips to Help You Use Your Credit Card Wisely

Buying Your First Home: Three Steps to Successful Mortgage Shopping

Cashing your Government of Canada Cheque for Free

Cheque Hold Periods: Your Right to Access Your Money


This is a guide on cheque hold periods when banking in Canada. When you receive a cheque, you may consider two things before deciding where to cash it: When can you get your money? How much will it cost you to cash the cheque? Although cheque cashing services may make money available immediately, they generally charge much higher fees than financial institutions do. If you have an account with a bank or another federally regulated financial institution, there are laws that set out when the institution must make the money from a cheque available to you. In most cases, you can get access to the first $100 right away if you choose to cash your cheque in a branch.


Choosing the Right Chequing Account and Banking Package

Choosing the Right Savings Account

Credit Cards: Understanding Your Rights and Your Responsibilities

How to Make a Complaint

How to Order Your Credit Report

What You Should Know if Your Branch Closes

Managing Debt: Getting Help from a Credit Counselling Agency

Mortgage Prepayment; Know Your Options. Smart mortgage decisions start here

Opening a Personal Bank Account: Understanding Your Rights

Paying off Your Mortgage Faster

Protecting Your Credit Report: How to Correct Errors and Check for Fraud


Your credit report is important for your financial health. It can help you get approved for credit cards and other loans. It can also affect your ability to rent housing or get hired for a job.
Protect your credit report by checking carefully for errors and signs of identity theft. You have the right to dispute any information in your credit report that you believe is wrong. You can ask the credit reporting agencies to correct errors. It’s free.


Aide sociale: règles qui s’appliquent aux couples


Lisez la présente brochure pour connaître les règles que les agents d’Ontario au travail (OT) et du Programme ontarien de soutien aux personnes handicapées (POSPH) appliquent pour décider :
••si 2 adultes qui habitent ensemble sont des conjoints ou conjointes
••si 2 personnes qui habitent ensemble doivent présenter leur demande d’aide sociale en tant que couple


Appel d’une décision en matière d’aide sociale

CPP Disability Benefits

Do you know a woman who is being abused? A legal rights handbook.

Making a humanitarian and compassionate (H&C) application

Humanitarian and compassionate (H&C) applications and refugee claims: how are they different?

Fact Sheet: The Gender Wage Gap in Canada

Fact Sheet: Women and Poverty in Canada

Before You Sign any Contract: 10 Things You Need to Know

Resource Guide: Lifting Asset Limits in Public Benefit Programs

Hosting workshops and sign-up events for families

Working It Out Together. Pikangikum First Nation’s Community Health Needs Assessment

Step-by-Step Guide to Becoming Eligible, Opening, and Managing Your RDSP

Registered Education Savings Plan (RESP) Checklist

Saving for your child’s education. Get the facts about RESPs before you invest

Creating Financially Capable Communities: A Resource Guide

Understanding the Legal Dimensions of Financial Literacy: Power of Attorney

Developing a Personalized Financial Plan. Ontario Edition

Preventing and Intervening in Situations of Financial Abuse. Ontario Edition

Retirement and Savings Options. Ontario Edition

Accessing Government Benefits and Subsidies. Information for Custodial Grandparents Who May Wish to Apply for Government Benefits and Subsidies. Ontario Edition.

Credit and Debt Management. Ontario Edition.

Adopting Effective Banking Practices. Ontario Edition

DE 201 – A Practitioner’s Guide to Developmental Evaluation

How to Design a Monitoring and Evaluation Framework For A Policy Research Project

Performance Management in a Housing First Context – A Guide for Community Entities

Expiring Operating Agreements: A Planning Guide for Ontario’s Former Federal Housing Programs


Welcome to the first in a series of planning guides on the Expiry of Operating Agreements. Housing Services Corporation has been working for a number of years on the issue of expiring agreements. We see this Guide as a living document. We hope that this Guide will become a trusted resource for you not only for the information it contains, which will be kept up to date, but also as we continue to add links to new resources based on work being done by the various organizations that operate in this sector. In addition to the range of information contained in the Guide, the online version allows you to link to additional resources which have been prepared or collected by Housing Services Corporation.


The Field Guide to Human-Centered Design

System Mapping: A Guide to Developing Actor Maps

Considering A Payday Loan? 10 Questions To Ask


If you’re short on cash, a payday loan may seem like a quick way to get money, but there is a high cost. Fees on payday loans are generally much higher than those on other forms of credit, and they will take a big bite out of your budget. Make sure you have all the facts about a payday loan by asking the following questions.


Tools for Development: A handbook for those engaged in development activity

Need welfare? How to apply to Ontario Works

Working while you are on social assistance

Gaining Momentum: Sharing 96 Best Practices of First Nations Comprehensive Community Planning

The Compass Guide to Small-Dollar Credit

Appealing a decision about social assistance


Read this to learn what you can do if you disagree with a decision about assistance from Ontario Works (OW) or the Ontario Disability Support Program (ODSP). This can include a decision to: refuse to give you financial assistance; reduce the amount of assistance you get; cut off your assistance. You may be able to appeal to the Social Benefits Tribunal. But first you must ask the office that made the decision to review its decision.


Child and spousal support when you are on social assistance

Disability benefits in Ontario: Who can get them and how to apply

Tracking Financial Capability: Select and Collect Indicator Data

Integrating Financial Empowerment Strategies into Housing and Homelessness Prevention Programs

Tracking Financial Capability – Identify and Prioritize Your Expected Outcomes

Tracking Financial Capability – Build Your Logic Model

Measuring financial capability using a short survey instrument – Instruction manual