READY FOR RESILIENCE
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Financial

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Hot Tip for Finances!

A checklist to reduce wildfire risk when doing home construction or renovation: 
Wildfire Resilience Construction checklist
​
There are also links below to info on flood resilience and other climate hazards. 

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 Scholarship booklet 2022
  • 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 
  • Ask Wellness subsidized housing

Keeping the Money

Taxes
  • ​Income tax
    • ​deductions for senior living renovations
    • online tax software 
  • Property tax- Merritt  TNRD​​
  • Canadian Taxpayers Federation
    • Gas Tax Honesty Report​​
Financial How-To Info
  • Equifax - Personal Finance Education articles and videos
  • Foolproof Me - financial care guides (recognizing scams, privacy issues) for kids, parents, teachers
  • 21 Day Financial Fast Washington Post article by Mischelle Singletary
  • ​The Bean Counter info blog
  • Signing or breaking a contract?
    • Consumer Protection BC​​
  • Find money in your old accounts:
    • Canada - Bank of Canada
    • USA - MissingMoney.com
Retirement Planning
​​Canada.ca - Programs and Resources for Seniors
BC Gov - SeniorsBC.ca and
           BC Seniors Guide (download)
​
  • 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
  • Savings/investments
  • Pension(s)
    • delaying CPP start date
  • Earnings
  • Employment Income
  • Other income​
  • sample budget forms

Security Issues

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​

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:
  • ​Privacy Settings Guide article in Washington Post
  • Little Black Book of Scams booklet
  • digital training and security for seniors  GLUU
  • Guide to Digital Safety - NYT article
  • Protect from online harassment​​ - Washington Post article
​​Financial Documents:

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​​
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  • Home
  • Emergency Info
  • Health
  • Seniors' Health
  • Care -Giving and -Receiving
  • Mental Health
  • Community
  • Food Security
  • Hometown Tourism
  • Creativity
  • Financial
  • Legal
  • Business
  • Political
  • Contact
  • About