READY FOR RESILIENCE
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Financial
Health

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Additional help lists:
Legal health
political health
Starting a business?

Managing Money

Finances for Health
  • ​Basic Health Insurance - MSP
  • Advance Care Directive BC
  • Pharmacare - if your income drops by 10% or more, you are eligible for a review of your threshold amounts (need CARE card and most recent CRA Notice of Assessment)
  • Extended health insurance - employer or pension or private pay, such as:
    • Johnson
    • Pacific Blue Cross 
    • Green Shield
  • ​​Dental insurance -employer or pension or private pay, see above
  • Travel insurance
    • travel immunizations
Funding an Education
  •  Internet for Good - Telus internet access for low-income families with children
  • Your high school graduation info
    • MSS Scholarships 2023
  • StudentScholarships.org (based in West Kelowna)
  • Federal programs:
    • SkillsCanadaBC
  • Provincial programs for BC:
    • BC government grants, scholarships, bursaries
    • EducationPlannerBC
    • StudentAidBC​
  • Financial institutions:
    • Interior Savings grants for graduating students
    • TD bank
  • BC Arts Council grants for individuals and non-profit groups
  • Johnson Insurance Co scholarships (company connection required) 
​
Housing 
  •  Wildfire Resilience Construction checklist
    ​
    There are also links below to info on flood resilience and other climate hazards.​
  • Ask Wellness subsidized housing

Keeping the Money

Taxes
  • ​Income tax
    • ​deductions for senior living renovations
    • Disability Tax Credit 
      • sample application form
    • online tax software 
  • BC Fuel Tax Refund
  • Property tax- Merritt  TNRD​​
  • Canadian Taxpayers Federation
    • Gas Tax Honesty Report​​
  • ​The Blunt Bean Counter - Tax prep tips
Financial How-To Info
  • When to Change your Will - it maybe more often than you thought
  • Money Milestones for every decade of life - financial planning 
  • Equifax - Personal Finance Education articles and videos
  • www.consumerprotectionbc.ca/Consumer Protection BC
  • The Blunt Bean Counter: Stress Testing your Spouse's Financial Readiness if you were to Die Suddenly and many other topics
  • Reverse mortgages (Canada info) (general info USA)
  • 21 Day Financial Fast Washington Post article by Mischelle Singletary
  • ​The Blunt Bean Counter info blog
    • ​Advice for Entrepreneurs​
  • Signing or breaking a contract?
    • Consumer Protection BC​​​
  • Debt collection issues
  • Find money in your old accounts:
    • Canada - Bank of Canada
    • USA - MissingMoney.com
Retirement Planning
​​Canada.ca : 
  • Programs and Resources for Seniors
  • delaying CPP start date

BC Gov : SeniorsBC.ca and
           BC Seniors Guide (download)
Other resources:
  • ​7 Best Retirement Planning Spreadsheets
  • Option Open: The Guide for Mapping your Best Aging Journey by Sue Lantz - Purchase this guide book
  • Planning for Ageing, not just Retirement
  • Nidus - Personal Planning Resource Centre
  • Retirement costs
    • ​Living to 100
    • ​When I'm 64 booklet
    • Ageing in place​
    • Guide to Aging in Place

Security Issues

Documents to keep in a safe place:
  • income tax documents and notices of assessment (current and previous 6  years)​​
  • vehicle purchase records
  • land titles and mortgage records
  • insurance policies​​
  • marriage, divorce, and death certificates
  • ​passports
Insurance:
  • Insurance Bureau of Canada
    • Tips for buying insurance
    • Insurance 101
    • About Buying home insurance
    • About Natural Disaster insurance
    • About Water damage insurance
    • Insurance dispute resolution​
  • ICBC insurance discount for disabled drivers and car owners (including joint owners over 16)

Resilience to Climate Challenges:
  • Institute for Catastrophic Loss Reduction
    • Info for homeowners
    • ​ resources and publications
  • Intact Centre on Climate Adaptation (U. Waterloo)
    • Wildfire Resilience Construction checklist
  • FireSmartBC
    • Fire-resistant plant list for Merritt (Zone 6)
Online Privacy and Digital Security:
  • Online Safety Guide for Seniors 
  • 2024 Ultimate Internet Safety
  • Check if your email has been compromised by hackers:  haveibeenpwned.com/
  • ​Privacy Settings Guide article in Washington Post
  • Internet safety for seniors - easy to follow
  • Little Black Book of Scams 
  • GLUU    "Unscammable" video series
  • Guide to Digital Safety - NYT article
  • Online harassment​​ - Washington Post article
  • Foolproof Me - financial care guides (recognizing scams, privacy issues) for kids, parents, teachers
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