Owen Hart Home Owners Program Information Package
|
|
- Winifred Alexander
- 5 years ago
- Views:
Transcription
1 Page 1 of 5 16, 2936 Radcliffe Drive SE Main Calgary, Alberta T2A 6M8 Fax Owen Hart Home Owners Program Information Package A program for Calgarians: living on a low income, who have a realistic goal of home ownership. Home ownership is a reality with: money management skills, monthly matched savings, home ownership education, and a growth mindset. THE 2018 OHHO PROGRAM: Start: October 2018 End: September 2019 Education: o 8-10 workshops Wednesday nights at 6:30pm to 8:30pm o 1 or more meetings with Margaret Savings: o You save $100 - $250 per month o Momentum matches your savings by 2 o For example: OHHO Maximum Savings: You: $250 x 12 months = $3000 Momentum: $3000 x 2 matching = $6000 Total $9,000 Home Purchase: o You (and your family) must live in the home in Alberta o You (and your family) may buy the home before September 2020 Application: o Please apply as soon as possible o One homeownership group per year Round 1 application deadline: April 11, Noon Round 2 application deadline: August 22, Noon o 15 participants are accepted into home ownership each year O:\Programs\OHHO\OHHO Intake\OHHO Information Package - March 27, 2018.docx
2 Page 2 of 5 WHO? YOU: Have graduated from a Calgary matched-savings program in the last 5 years (you have finished a program in one of these years: 2013 / 2014 / 2015 / 2016 / 2017 / 2018) Can get a mortgage before September 2020 Are not in bankruptcy, a consumer proposal, judgements, garnishments or other debt repayment programs. Are not going to school full-time, except language or upgrading classes Do not have a mortgage and/or own a property in Canada May complete and give the application with all required documents on time And your family will need a bedroom Your gross yearly whole family income is between the amounts on the chart below # of bedrooms needed* Lowest Yearly Income (before taxes) Highest Yearly Income (before taxes) $33,200 $41,500 $40,800 $51,000 $46,800 $58,500 $55,200 $69,000 $57,200 $71,500 *Bedrooms Needed: Momentum uses the National Occupancy Standards of Canada. One bedroom for: single person a couple family member 18 years or older 2 boys OR 2 girls under age 18 1 boy and 1 girl under 5 years old. O:\Programs\OHHO\OHHO Intake\OHHO Information Package - March 27, 2018.docx
3 Page 3 of 5 OVERVIEW The application has 9 parts to complete: 1. Basic Information 2. Employment 3. Education 4. Income 5. Assets & Savings 6. Debts & Liabilities 7. Monthly Household Budget 8. Your story of why home ownership is for you 9. Required Attachments (see below) ~~~~~~~~~Please give copies of required attachments~~~~~~~~~ You: Your current Credit Report and Credit Score Proof of income: 2 current statements of income Bank statements for savings and investments 2 current pay stubs from each of your job(s) 2017 Notice of Assessment Current T4 slip(s) Your Partner/Husband/Wife (if applicable): Current Credit Report and Credit Score Proof of income: 2 current statements of income Bank statements for savings and investments 2 current pay stubs from each of your job(s) 2017 Notice of Assessment Current T4 slip(s) O:\Programs\OHHO\OHHO Intake\OHHO Information Package - March 27, 2018.docx
4 Page 4 of 5 Credit Report & Credit Score Choose your option: 1. Give Momentum access to your credit report & credit score o Fill in the application form 2. Get your own credit report & credit score A or B A. Internet o Very quick o Go to o Make one-time payment for a credit score and credit report $23.95 o Print a copy o Attach with your application OR B. Fax/mail o 4 to 6 weeks (plan ahead) to get this o Use the form at the end of this document o Give credit card information $11.95 o Send by fax or Canada Post o Attach this to your application WHEN? BEFORE NOON, WEDNESDAY, AUGUST 22, 2018 Please submit application and with all required attachments to: Margaret Yu Financial Literacy Facilitator, Owen Hart Home Owners Program ohho@momentum.org office: Momentum Radcliffe Dr. SE Calgary, AB T2A 6M8 main: fax: O:\Programs\OHHO\OHHO Intake\OHHO Information Package - March 27, 2018.docx
5 Page 5 of 5 Page O:\Programs\OHHO\OHHO Intake\OHHO Information Package - March 27, 2018.docx
6 SECTION 1 ABOUT YOU Owen Hart Home Owners Program Application NAME: FIRST LAST Date of birth is: Year Month Day ADDRESS: POSTAL CODE: PHONE: HOME CELL WORK Social Insurance Number: - - Single person (divorced/separated/widowed) Two parent Family with children Single parent family Other: Two parent Family - no children Your family members: First Name Last Name Date of Birth (day/month/year) Gender Relationship 16, 2936 Radcliffe Drive SE Main Calgary, Alberta T2A 6M8 Fax
7 Your Housing Renting Staying with friends or family no rent paid Own my home Shelter or Transitional Housing Other Who would buy the home? I would buy the home myself I would buy the home with my partner/wife/husband I would buy with someone else; who? How many bedrooms would you need? Is your yearly family income between the minimum and maximum amounts? Yes ( ) No ( ) If you answered no to the above question. Stop filling in the application. Please contact Margaret, MargaretY@Momentum.org or , to talk about your income levels. # of bedrooms needed* Lowest Yearly Income (before taxes) Highest Yearly Income (before taxes) $33,200 $41,500 $40,800 $51,000 $46,800 $58,500 $55,200 $69,000 $57,200 $71,500 Bedrooms Needed: Momentum uses the National Occupancy Standards of Canada. One bedroom for: single person a couple family member 18 years or older 2 boys OR 2 girls under age 18 1 boy and 1 girl under 5 years old.
8 Page 3 of 12 SECTION 2 YOUR FAMILY INCOME Yourself: Job #1 Company Name: Job title: Start date: Hours per week: Hourly pay: Monthly pay before taxes: Job #2 Company Name: Job title: Start date: Hours per week: Hourly pay: Monthly pay before taxes: Previous Job - Company name: Job title: How long did you work at this job? Your Partner/Wife/Husband: Job #1 Company Name: Job title: Start date: Hours per week: Hourly wages: Monthly pay before taxes: Job #2 Company Name: Position/job title: Start date: Hours per week: Hourly wages: Monthly pay before taxes: Previous Job - Company name: Position/job title: How long did s/he work at this job?
9 Page 4 of 12 SECTION 3 YOUR EDUCATION You What is your education? Are you currently going to school? No ( ) Yes, full-time ( ) Yes, part-time ( ) If yes, please tell us more: Do you have plans to go back to school in 2 years? No ( ) Yes, full-time ( ) Yes, part-time ( ) If yes, please tell me more: Your Partner/Wife/Husband What is their educational? Are you currently going to school? No ( ) Yes, full-time ( ) Yes, part-time ( ) If yes, please tell me more: Do you have plans to go back to school in 2 years? No ( ) Yes, full-time ( ) Yes, part-time ( ) If yes, please tell me more:
10 Page 5 of 12 SECTION 4 YOUR FAMILY INCOME Type of Income Gross amount per month (before deductions) My Job 1 $ My Job 2 (if applicable) $ Partner s Job 1 $ Partner s Job 2 (if applicable) $ Employment Insurance $ Income Support $ AISH $ Student Loans $ Student Grant $ Workers Compensation (WCB) $ Other - Please specify: $ Other - Please specify: $ Total: $ What is your current annual household income? $ Do you receive Child Tax Benefit? Yes ( ) No ( ) If yes, how much per month? This is for information only. Please note that this amount is not calculated into your gross income. $
11 Page 6 of 12 SECTION 5 YOUR ASSETS & SAVINGS Do you currently, or have you ever, owned a home before? Yes ( ) No ( ) If yes, please tell me more: Assets inside Canada (include my wife/husband, if applicable) Type of Asset Cash Value Chequing Accounts $ Savings Accounts $ TFSA Accounts $ RRSP funds $ RESP funds $ Investments, stocks, bonds, mutual funds $ Vehicle: $ Other: $ Other: $ Total: $ Foreign assets outside Canada (include your wife/husband if applicable) Type of Asset Cash Value (in Canadian $) Savings accounts $ Investments, stocks, bonds, mutual funds $ Car $ Property $ Other: $ Total: $
12 Page 7 of 12 Savings for Down Payment How much money do you regularly save each month? $ Will you be using your assets to help you with your down payment? Yes ( ) Maybe ( ) No ( ) If yes or maybe, please explain: Will family and friends give or borrow money to help with your down payment? If yes or maybe, please explain: Yes ( ) Maybe ( ) No ( ) Do you have other money to help with your down payment? If yes or maybe, please explain: Yes ( ) Maybe ( ) No ( ) SECTION 6 YOUR DEBTS If you currently have any debt, what is your plan to pay down your debt? Do you pay off your monthly debts in full each month? Yes ( ) No ( ) Have you ever had any debts in collections? been part of a Debt Repayment Plan? been part of a Consumer Proposal? filed for bankruptcy? had a mortgage? Yourself Partner Yes No Yes No If you answered yes to any of the above questions, please give details of what and when they occurred and what their current status is.
13 Page 8 of 12 Please list all of your different forms of credit for yourself and your wife/husband: Type of Credit Yourself: Bank/Name Total Amount Owed Minimum Monthly Payment Credit Card 1: $ $ $ Credit Card 2: $ $ $ Credit Card 3: $ $ $ Credit Card 4: $ $ $ Credit Card 5: $ $ $ Credit Card 6: $ $ $ Line of Credit $ $ $ Loan (car) $ $ $ Loan (student) $ $ $ Pay day loans $ $ $ Other: $ $ $ Other: $ $ $ Other: $ $ $ Your Partner: Credit Card 1: $ $ $ Credit Card 2: $ $ $ Credit Card 3: $ $ $ Credit Card 4: $ $ $ Credit Card 5: $ $ $ Credit Card 6: $ $ $ Line of Credit $ $ $ Loan (car) $ $ $ Loan (student) $ $ $ Pay day loans $ $ $ Other: $ $ $ Other: $ $ $ Other: $ $ $ Total $ $ $ Credit Limit
14 Page 9 of 12 SECTION 7 YOUR MONTHLY BUDGET Monthly Income (after taxes and deductions) Wages or salary (self) Wages or salary (partner/spouse) Child tax credit Child support Income support Other (specify): $ Amount Total monthly income: Monthly Expenses Housing: $ Amount Debts & Savings: $ Amount Rent Credit card payments Mortgage & Condo Fees Loan payments Power/Electricity Emergency Fund Gas/Heat/Water RESP/TFSA/Investments Internet/Cable Transportation Phone(s) Gas Food & Grocery Items Bus / Transit Groceries Car Insurance Toiletries Other: Kids supplies, diapers, etc. Donations Eating out, coffee, etc. Family Support Alcohol / Cigarettes Child Care/ Day Care Lottery / Gambling Memberships Other: Other: Total monthly expenses from both columns: Budget Balance: If you have a budget balance that is a positive amount, that money can go to additional savings or debt payments. If it is a negative balance, review your budget to find ways to increase your income or reduce your expenses. Total Monthly Income Minus ( - ) Total Expenses Equals =
15 Page 10 of 12 SECTION 8 WHY IS HOME OWNERSHIP FOR YOU? What type of home are you planning to buy? ( ) Detached House ( ) Townhouse ( ) Apartment/Condo When would you like to buy a home? How much will you spend on your home? $ Tell us your current income or work situation and future career or education plans. Include your partner s plans as well, if applicable. What makes you a good participant-to-be for the Owen Hart Home Owners program? The OHHO Program may not provide you with the full down payment for a home. What is your plan to come up with a 5% down payment? Is there anything else you want to tell us?
16 Page 11 of 12 ALLOW MOMENTUM TO GET YOUR CREDIT REPORT& SCORE You Yes, Momentum can get my credit report Print Name SIN Social Insurance Number Date Wife/Husband Yes, Momentum can get my credit report Print Name SIN Social Insurance Number Date Signature Signature SECTION 9 MY CHECK LIST Yourself: Your current Credit Report and Credit Score Proof of income: 2 current pay stubs from each of your job(s) 2017 Notice of Assessment Current T4 slip(s) Bank statements for savings and investments Current statements of government funding, income support, etc. Husband/Wife (if applicable): Current Credit Report and Credit Score Proof of income: 2 current pay stubs from each of your job(s) 2017 Notice of Assessment Current T4 slip(s) Bank statements for savings and investments Current statements of government funding, income support, etc.
17 Page 12 of 12 WHEN? BEFORE NOON, WEDNESDAY, AUGUST 22, 2018 Please submit and supporting documents to: Margaret Yu, BA, BSW, RSW Financial Literacy Facilitator, Owen Hart Home Owners Program office: Momentum Radcliffe Dr. SE Calgary, AB T2A 6M8 main: fax: Please read and sign: 1. I agree finishing this application does not mean I will be accepted into the Owen Hart Home Owners program. 2. I agree my late application will not be accepted. 3. I agree that giving dishonest information will automatically withdraw me from this program and other Momentum programs. 4. I agree that all information given is honest. 5. I understand the matched money is for the down payment of a home. Signature: Print name: Date: 16, 2936 Radcliffe Drive SE Main Calgary, Alberta T2A 6M8 Fax
APPLICATION GUIDE. Where can I get help? Who can apply?
APPLICATION GUIDE Where can I get help? If someone is helping you complete your application, such as a support worker with a community or social service agency, please provide their contact information
More informationFinancial Literacy. Budgeting
Financial Literacy Budgeting ACTIVITY SHEET 3-1 The B word budget 1 What do you think about when you hear the word budget? What words or feelings come to mind? Write down any other ideas the group came
More informationFINANCIAL. 1. My information. Name of the person completing this Form (First Middle Last): Date this Form was completed (YYYY/MM/DD):
FINANCIAL INFORMATION Form I 1. My information Name of the person completing this Form (First Middle Last): Date this Form was completed : My financial circumstances My total annual income (before tax
More informationIncome taxes in Quebec module
Income taxes in Quebec module Trainer s introduction Most people are aware that they must file income tax returns in Canada and Quebec, if only to claim back any excess taxes that were withheld from their
More informationYour money goals. Choosing a goal
Choosing a goal 01 Your money goals Next, think about a money goal that you most want to pursue towards that dream. Write down some ideas on how you could start working towards them. My money goal is:
More informationModule 3 - Budgeting ACTIVITY SHEET 3-1. Write down any other ideas the group came up with, especially ideas that fit your situation.
ParticipantHandbook ACTIVITY SHEET 3-1 The B word budget 1 Write down any other ideas the group came up with, especially ideas that fit your situation. What is a budget? Why budget? A way to keep track
More informationCourt of Queen s Bench
Respond Change Spousal Support Court of Queen s Bench Responding to Application To Change Spousal Support Instructions Responding to an Application Before you Begin: There is an important date in the Application
More informationManitoba Indigenous Homeownership Program. Supported by
Manitoba Indigenous Homeownership Program Supported by MANITOBA TIPI MITAWA INC. Manitoba Indigenous Homeownership Program How do I qualify for the program? Qualification is based on the following criteria
More informationCTV GOOD NEIGHBOUR FUND APPLICATION PLEASE READ ALL INFORMATION CAREFULLY BEFORE SUBMITTING THIS APPLICATION
The CTV Good Neighbour Fund is a registered non-profit charitable organization that considers limited assistance to those individuals and families requiring support in exceptional cases not covered by
More informationFinancial Literacy. Saving
Financial Literacy Saving ACTIVITY SHEET 5-1 Setting savings goals Goal setting steps 1. Define a couple of concrete goals for the medium term (this year) or longer term (beyond a year). If you have a
More informationDocument Organizer FINANCIAL LITERACY PERSONAL INFORMATION. INCOME (include T3s, T4s, T4As, T5s, T600s, and invoices) Name: D M Y.
Name: FINANCIAL LITERACY PERSONAL INFORMATION Social Insurance Number Date of Birth D M Y Name Name of Spouse/Partner Name of Dependants 1. 2. 3. 4. Address Apt. # Street Province City Postal Code Telephone:
More informationHow to Bank and Save In Canada
for Newcomers and New Canadians Workbook 1 How to Bank and Save In Canada Welcome! We made this workshop for newcomers to Canada. Knowing more about how banking works here can help you settle in faster,
More informationApplication for Subsidized Housing
Application for Subsidized Housing Eligibility Requirements To be eligible for subsidized housing, you must meet all of the following conditions: At least one member in the household must be 16 years or
More informationRESPs and Other Ways to Save
for Indigenous Peoples Workbook 4 RESPs and Other Ways to Save Copyright 2017 ABC Life Literacy Canada First published in 2016 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada
More informationImportant Rules For Your Rent-Geared-To-Income Subsidy
Important Rules For Your Rent-Geared-To-Income Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy). It is important you read and understand this information
More informationThis application is for ECE professionals working in a childcare facility. Please read through the entire application before you start.
Personal Information: This application is for ECE professionals working in a childcare facility. Please read through the entire application before you start. Last Name Legal First Name Address City Province
More informationImportant Rules For Your Rent-Geared-To-Income Subsidy
Rent-Geared-to-Income (RGI) Subsidy Form - 1 of 9 Important Rules For Your Rent-Geared-To-Income Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy).
More informationBackground Information
Background Information This information will be used to determine your filing status. If you have recently married, be sure that your spouse has a social security number and, that if her name has been
More informationCourt of Queen s Bench
Reduce or Cancel Arrears Court of Queen s Bench Application to Reduce or Cancel Arrears Instructions Reducing or Cancelling Arrears Before you Begin: You must have a divorce file in the Court of Queen
More informationTHE CANADIAN INVESTOR Deal Approval Binder
THE CANADIAN INVESTOR Deal Approval Binder Introduction Approved! Is what every investor likes to hear when they submit a deal. There is a lot of upfront planning with your lending advisor that has to
More informationSTEPP Application. STEPP Homes provide an opportunity for low-income families to become first time homeowners in Brandon, Manitoba.
STEPP Application STEPP Homes provide an opportunity for low-income families to become first time homeowners in Brandon, Manitoba. Application Deadline All applications must be received by the BNRC no
More information1. APPLICANT INFORMATION. Co-Applicant (spouse must be Co-Applicant) Name Male Female Name Male Female
Return by on to: Habitat for Humanity of Greater Plainfield & Middlesex County 2 Randolph Road Plainfield, NJ 07060 Include 25 processing fee in check or money order only. Questions? Call Plainfield Habitat
More informationWorkbook 2. Banking Basics
Workbook 2 Banking Basics Copyright 2017 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD
More informationProfessional Development Loan Application Form
ACCESS Community Capital Fund ( ACCESS ) is a registered charity that helps people facing financial barriers in the Greater Toronto Area and Hamilton get a low-interest loan from banks for professional
More informationHome Buyer Guide. Everything you need to know to help make buying your home easy and successful.
Home Buyer Guide Everything you need to know to help make buying your home easy and successful. Julie Jeffery Partner l Mortgage Agent DLC Elevation Mortgage C. 403.828.4832 Julie@elevationmortgage.ca
More informationChildren s Fund: Oral Health Application (Dental)
Program Information The Oral Health Program has two components: orthodontics and dental treatment. Families may self-refer or they can be referred by health care professionals and community agencies. For
More informationAPPLICATION FORM. Eligibility. Application Process
APPLICATION FORM Eligibility 1. Applicants must be able to manage most or many daily tasks independently, arrange, manage and direct their own care and be responsible for decisions about day-to-day activities.
More informationGoal Setting and Budgeting
Samuel F. B. Morse High School SPE 2011-2012 PERSONAL FINANCIAL LITERACY Goal Setting and Budgeting Completing this assignment will allow students the opportunity to set some real-life goals for themselves
More informationTHE MONEYSENSE COMPLETE FINANCIAL PLAN KIT WORKSHEET #1: PRIORITIZE YOUR GOALS
WORKSHEET #1: PRIORITIZE YOUR GOALS Please rate each financial goal based on how important it is to you (1 = not at all important; 5 = very important) NOT IMPORTANT VERY IMPORTANT Paying down mortgage
More informationChalmers Community Renewal Initiative (CCRI) and Chalmers Neighbourhood Renewal Corporation (CNRC) 2018 Home Buyer Assistance Application
Chalmers Community Renewal Initiative (CCRI) and Chalmers Neighbourhood Renewal Corporation (CNRC) 2018 Home Buyer Assistance Application The purpose of the Home Buyer Assistance program is to provide
More informationREGION OF WATERLOO AFFORDABLE HOME OWNERSHIP Application Form
REGION OF WATERLOO AFFORDABLE HOME OWNERSHIP Application Form The Affordable Home Ownership component of the Canada-Ontario Affordable Housing Program is delivered by the Region of Waterloo on behalf of
More informationFranchise Information
Franchise Information Application Form The information you provide will be held in the strictest confidence and completion of this form in no way constitutes a commitment to or that a franchisee applicant
More informationSchedule J: Your Expenses 12/13
Fill in this information to identify your case: Debtor 1 Debtor 2 (Spouse, if filing) United States Bankruptcy Court for the: District of (State) Case number _ (If known) Check if this is an amended filing
More informationAPPLICATION FORM. Eligibility. Application Process
APPLICATION FORM Eligibility 1. Applicants must be able to manage most or many daily tasks independently, arrange, manage and direct their own care and be responsible for decisions about day-to-day activities.
More informationPLEASE READ EVERYTHING COMPLETELY BEFORE FILLING OUT THE ELIGIBILITY QUESTIONNAIRE
Homebuyer Eligibility Questionnaire Packet The Habitat for Humanity program is one in which you purchase a Habitat house or rehab that you also help build! The qualifications are that you have a need for
More informationLohn Caulder LLP. Comprehensive Checklist for Your 2018 Personal Income Tax Return
Lohn Caulder LLP Comprehensive Checklist for Your 2018 Personal Income Tax Return The filing due date this year will be Tuesday, April 30, 2019 Please fill in the information, or check the applicable boxes,
More informationPersonal Financial Survey
Personal Financial Survey Simplify your financial life so you can spend more time with the people you care about. Enter and Begin with our simple 5-step financial planning process. Financial planning takes
More informationMinistry of Attorney General FAMILY MAINTENANCE ENFORCEMENT PROGRAM RECIPIENT ENROLMENT PACKAGE
Ministry of Attorney General FAMILY MAINTENANCE ENFORCEMENT PROGRAM RECIPIENT ENROLMENT PACKAGE Aug 2017 Anyone a payor or a recipient may choose to enrol in the Family Maintenance Enforcement Program.
More informationApplication for Housing
Application for Housing INSTRUCTIONS This application must be completed in full and all evidence of incomes and expenses (stubs, payment and rent receipts, etc.) must be included with this application
More informationSUPREME COURT OF YUKON FINANCIAL STATEMENT. FINANCIAL STATEMENT OF (Plaintiff/Defendant) I,, of the of,
Form 94 (Rule 63A (1) ) S.C. NO: SUPREME COURT OF YUKON Between: Plaintiff and Defendant FINANCIAL STATEMENT FINANCIAL STATEMENT OF _ (Plaintiff/Defendant) I,, of the of, in Yukon, SWEAR (or AFFIRM) THAT:
More informationYOUNG ARTIST SUMMER PROGRAM FINANCIAL ASSISTANCE APPLICATION FOR CCAR CROSS-BORDER SUMMER SCHOLARSHIP 2018
YOUNG ARTIST SUMMER PROGRAM FINANCIAL ASSISTANCE APPLICATION FOR CCAR CROSS-BORDER SUMMER SCHOLARSHIP 2018 Council for Canadian American Relations Cross-Border Summer Scholarship covers tuition, housing
More informationBeing a Guarantor. This booklet will help you understand all that is involved in being a Guarantor.
is a big responsibility and can have serious consequences. It is important to understand exactly what you are getting yourself into and what the impact of signing the agreement may be. can be a helpful
More informationRegional Ready Renter Program Pre-Application 2018
Regional Ready Renter Program Pre-Application 2018 Instructions Please submit a completed application with all the required documents to be eligible for the affordable rental housing offered through the
More informationApplication for Legal Assistance
Application for Legal Assistance Apply in person at Government Plaza, 205 Government St., Room 427 Check VLP voicemail or website to get current days & times to apply in person To return completed application:
More informationFresh Start. Living DebtFree. By Douglas Hoyes. BA, CA, CIRP, CBV, Licensed Insolvency Trustee. Co-Founder of
Fresh Start A Concise Guide to Living DebtFree By Douglas Hoyes BA, CA, CIRP, CBV, Licensed Insolvency Trustee Co-Founder of Fresh Start A Concise Guide to Living Debt Free By Douglas Hoyes BA, CA, CIRP,
More informationBANKRUPTCY CLIENT QUESTIONAIRRE. Telephone Number HOME:( ) WORK:( ) CELL: ( ) SOCIAL SECURITY NUMBER: - - CITY: STATE: ZIP: COUNTY:
For Office Use Only Payment Information 7 0R 13 Rcpt # $ FF + AF + CR= BANKRUPTCY CLIENT QUESTIONAIRRE NAME: First Middle Last Other names: BIRTHDATE: Email: Telephone Number HOME:( ) WORK:( ) CELL: (
More informationCURRENT INCOME: PART 1
CURRENT INCOME: PART 1 This section deals with your household income. If you are married, information MUST be provided for both spouses, even if only one person is filing. Please provide the husband s
More informationRENT-GEARED-TO-INCOME (RGI) Important Rules for Your RGI Subsidy
Important Rules for Your RGI Subsidy This document has important information about your rent-geared-to-income subsidy (RGI Subsidy). It is important you read and understand this information when completing
More informationAn Initiative by The Native Women s Association of Canada
An Initiative by The Native Women s Association of Canada Financial Health & Wealth An Initiative by The Native Women s Association of Canada 1 The Native Women s Association of Canada has been the national
More informationINCOME AND EXPENSE DECLARATION FL-150
INCOME AND EXPENSE DECLARATION FL-150 GENERAL INFORMATION The Income and Expense Declaration must be completed if either party is requesting spousal support, child support, or family support. Answer every
More informationAPPLICATION FOR TENANCY OF RENTAL UNITS <<SQUAMISH VALLEY>>
SQUAMISH NATION Registry Department 320 Seymour Blvd North Vancouver, BC V7J 2J3 P: 604-982-8607 F: 604-980-6818 ADMIN USE ONLY APPLICATION FOR TENANCY OF RENTAL UNITS PLEASE SUBMIT
More informationC O N F I D E N T I A L
APPLICATION FOR HOUSING PROGRAMS (Excluding Supportive Living / Lodge Accommodation) C O N F I D E N T I A L This application form is to be completed by anyone who is applying for any or all of the following
More information2018 Hamilton Down Payment Assistance Program
Revised: April 2018 1 of 14 2018 Hamilton Down Payment Assistance Program APPLICATION PACKAGE CONTENTS 1. 2018 Application Package 2. Appendix A Household Income Supporting Documentation 3. Appendix B
More informationPaying for care and support
Paying for care and support Adult Social Care Hull City Council This handbook is all about paying for social care services in Hull. It tells you about the financial assessment process and explains what
More informationNon-Residents and Income Tax
Non-Residents and Income Tax 2018 T4058(E) Rev. 18 Is this guide for you? This guide is for you if you were a non-resident or a deemed non-resident of Canada for all of 2018. Generally, you were a non-resident
More informationPROSPECTIVE FRANCHISEE APPLICATION. Kumon Canada Inc.
PROSPECTIVE FRANCHISEE APPLICATION Kumon Canada Inc. 640 Applewood Crescent Vaughan, ON L4K 4B4 Toll-Free: 1-800-266-6681 www.kumon.ca www.kumonfranchise.ca Please email the completed application franchisecanada@kumon.com
More informationCourt of Queen s Bench
Notice to Disclose Court of Queen s Bench Notice to Disclose / Application Instructions Notice to Disclose / Application Before you Begin: You must have a court file in the Court of Queen s Bench to use
More informationBrandon Affordable Housing Council. S.T.E.P.P. (Solutions To End Poverty Permanently) Home Ownership Program Application ELIGIBILITY CRITERIA
STEPP Homes Solutions to End Poverty Permanently Homes provide an opportunity for low-income families to become first time homeowners in Brandon, Manitoba. Brandon Affordable Housing Council S.T.E.P.P.
More informationIdeally your contribution should be made as soon as possible in the year in order to shelter the investment income from tax.
Maximize RRSP Contributions. You should make your maximum RRSP contribution while you are working. You will get a tax deduction now at your current tax rate and you will be able to take the money out later
More informationWHAT IS A LIVING WAGE?
2017 ANNUAL REPORT COWICHAN VALLEY LIVING WAGE SOCIAL PLANNING COWICHAN PREPARED BY SUMMER GOULDEN WHAT IS A LIVING WAGE? A living wage is the hourly pay an individual would need to earn in order to adequately
More informationForm 13: Financial Statement (Support Claims) sworn/affirmed
ONTARIO Court File Number at (Name of Court) Court office address Form : Financial Statement sworn/affirmed Applicant(s) Full legal name & address for service street & number, municipality, postal code,
More informationPermit Information Package
Permit Information Package (STAGE CAUCUS 2 GENERAL) I.A.T.S.E. Local 212 Motion Picture and Stage Technicians International Alliance of Theatrical Stage Employees, Moving Picture Technicians, Artists and
More informationApplication for a Habitat Home
Date: Application for a Habitat Home If you have uestions about how to fill out this form, please call the Habitat office at 250-334-3777 ext.226 and leave a message for Family Services. Someone will return
More informationIn-Situ Priority Application
In-Situ Priority Application Section 1 Eligibility Criteria If you pay market rent and reside in a non-profit or co-operative housing community, you can apply for priority status on your housing provider
More informationGIVE YOUR CHILD A HEAD START
GIVE YOUR CHILD A HEAD START A PROACTIVE INITIATIVE FOR YOUR CHILD S FUTURE! As parents, we do everything we can to nurture our children s potential. We encourage them, read to them, help with homework,
More informationINSTRUCTIONS PART 1: INCOME
at ONTARIO Superior Court of Justice Family Court Branch (Name of Court) Court office address Court File Number Form : Financial Statement sworn/affirmed Applicant(s) Full legal name & address for service
More informationRetirement. Income. Planning. Workbook. What s Inside: Building a Retirement Vision. Retirement is about more than just money. What is your net worth?
Retirement Income Planning Workbook What s Inside: Building a Retirement Vision Retirement is about more than just money What is your net worth? How much are you spending? Welcome to the Retirement Income
More informationTHE ULTIMATE END-ALL-BE-ALL DEFINITIVE GUIDE TO. RRSP or TFSA WHICH WAY SHOULD YOU GO?
THE ULTIMATE END-ALL-BE-ALL DEFINITIVE GUIDE TO RRSP or TFSA WHICH WAY SHOULD YOU GO? The most common question I am asked is, Which is better RRSP or TFSA? And my answer is most often, It depends. Which
More informationHow to Apply for Employment and Income Assistance in Manitoba
How to Apply for Employment and Income Assistance in Manitoba................... Manitoba Families WHAT IS EMPLOYMENT AND INCOME ASSISTANCE (EIA)? The Employment and Income Assistance Program (EIA) provides
More informationHOMEWARD HOUSING CO-OPERATIVE Application for Co-operative Housing
Your application will be kept on file for one calendar year from the date of application. Please notify Homeward Housing every year by letter if you wish to have your application kept on file. Any application
More information*Certain words and expressions have the meaning defined under DEFINITIONS in section G SPECIFIC CONDITIONS of the Loan Contract.
www.iatrust.ca RRSP Loan Report Contract No.: Application No.: *Certain words and expressions have the meaning defined under DEFINITIONS in section G SPECIFIC CONDITIONS of the Loan Contract. DESIGNATED
More information2017 PERSONAL INCOME TAX RETURN CHECKLIST
2017 PERSONAL INCOME TAX RETURN CHECKLIST We cannot E-File without permission in advance. We will provide E-file forms for signature upon completion of personal tax returns. A copy of the form must be
More informationBudgeting Module. a. True b. False
Budgeting Pretest 1. What is gross monthly pay? a. The monthly pay after taxes are deducted. b. The monthly pay before taxes and insurance are deducted. c. The hourly pay times 2080. 2. What is net monthly
More information2017 Canadian Tire Jumpstart Application Form
2017 Canadian Tire Jumpstart Application Form The Canadian Tire Jumpstart Program supports getting kids in the game by assisting with the costs associated with registration, equipment and/or transportation
More informationRepair and Renovation
Saskatchewan Home Repair Program Emergency Repair Make sure you have signed and dated the attached application and Asset Declaration Form in pen. Please return your application to our office with ALL of
More informationShortened life expectancy benefits for teachers
Shortened life expectancy benefits for teachers Overview If you face a shortened life expectancy, you may be able to withdraw the commuted value of your pension before retirement without having to sever
More informationShortened life expectancy benefits
Shortened life expectancy benefits (for pensioners) Overview If you face a shortened life expectancy, you may be able to receive a lump-sum benefit in lieu of further pension payments. The benefit is the
More informationOSAP Credit Check Review Form
Purpose Ministry of Advanced Education and Skills Development Student Financial Assistance Branch Have you failed the credit check on your 2018-19 OSAP application? You can request a review of your failed
More informationAPPLICATION FOR SUBSIDIZED HOUSING
Elgin Branch 110 Centre Street St. Thomas, Ontario N5R 2Z9 Tel (519) 633-1781 Fax (519) 631-8273 Email: admin@cmhaelgin.ca Website: www.cmhaelgin.ca APPLICATION FOR SUBSIDIZED HOUSING If you need help
More informationApplication for a Sussex County Habitat Home
Please return to: Sussex County Habitat for Humanity PO Box 497 Branchville, NJ 07826 Questions? Call Sussex Habitat at 973-948-4850 Or e-mail sussexcountyhfh@yahoo.com Application for a Sussex County
More informationRBF GRANT APPLICATION FORM (please complete fully in Black Ink and Capital Letters)
www.railwaybenefitfund.org.uk welfare@railwaybenefitfund.org.uk REFERENCE: RBF GRANT APPLICATION FORM (please complete fully in Black Ink and Capital Letters) SECTION ONE: RAILWAY WORKER DETAILS TITLE:
More informationLifelong Learning Plan (LLP)
Lifelong Learning Plan (LLP) RC4112(E) Rev. 17 Is this guide for you? Use this guide if you want information about participating in the Lifelong Learning Plan (LLP). The LLP allows you to withdraw amounts
More informationLoan Application Form
Loan Application Form Thank you for your interest in applying for a Refugee Access Loan RefuAid lends up to 10,000 to help resettled refugees pay for courses, training, exams or other costs associated
More informationIf you have questions about how much your fee will be, you may stop by or call with your income information before your appointment.
238 Arsenal Street, Watertown, NY Family Practice Office: (315) 782-6400 Fax: (315) 782-1330 Adult Office: (315) 782-9903 Fax: (315) 788-0087 Dental Office: (315) 788-9834 Fax: (315) 788-5456 7785 N. State
More informationLohn Caulder LLP. Comprehensive Checklist for Your 2013 Personal Income Tax Return
Lohn Caulder LLP Comprehensive Checklist for Your 2013 Personal Income Tax Return The filing due date this year will be Wednesday April 30, 2014 Please fill in the information, or check the applicable
More informationName Date Period. Money Management for Teens
Name Date Period Money Management for Teens Wants Vs. Needs It is not uncommon to hear teens and even adults use the terms wants and needs interchangeably. You might even hear a child say, I need a candy
More informationSickness or Extreme Poverty Cancellation, Reduction or Refund of Property Taxes [Section 323(1)(e) of the City of Toronto Act, 2006]
Information Sheet Sickness or Extreme Poverty Cancellation, Reduction or Refund of Property Taxes [Section 323(1)(e) of the City of Toronto Act, 2006] Important Information If you are unable to pay your
More informationLOAN APPLICATION COMMUNITY FUTURES GRANDE PRAIRIE & REGION 780/ BUSINESS NAME: INCORPORATED: CONTACT: CO-OPERATIVE: PARTNERSHIP:
LOAN APPLICATION COMMUNITY FUTURES GRANDE PRAIRIE & REGION 780/814-5340 BUSINESS NAME: INCORPORATED: CONTACT: CO-OPERATIVE: BUSINESS ADDRESS: PARTNERSHIP: POSITION PROPRIETORSHIP: PHONE #: BUS #: EMAIL
More informationUnit 1. Goals and Budgets. Literacy Level. Objectives:
Goals and Budgets Unit 1 Objectives: Identify goals, including personal, family, educational, and material. Identify income and expenses and create a budget. Identify ways to make adjustments to income
More informationStatement of Affairs. Your name: Your phone number: Appointment date*: Appointment time: Appointment venue: Approved Intermediary (AI): October 2015
Statement of Affairs 30.10.15:Layout 1 28/10/2015 08:51 Page 1 Statement of Affairs Your name: Your phone number: Appointment date*: Appointment time: Appointment venue: Approved Intermediary (AI): October
More informationHome Advantage Collaborative Rapid Re-housing Program
Home Advantage Collaborative Rapid Re-housing Program FamilyAid Boston 727 Atlantic Avenue Boston, Massachusetts 02111 Send Applications to: hacprogram@familyaidboston.org For Inquiries: 617.542.7286 x
More informationVirginia Individual Development Accounts Candidate Application
Virginia Individual Development Accounts Candidate Application VIDA candidates must use this application to show that they meet the five criteria below. This form is also used to establish a VIDA savings
More informationEach Payment. Interest Rate. Total Payment $5000 Monthly 5 5% $94.36 $ $ $5000 Bi-Weekly 5 5% $5000 Monthly 3 5%
WorkPlace Math 20 Finance/Budget Project DUE: Last day of regular classes Name: /45 Using the on-line calculators suggested, fill in the following charts: Loan Chart (5 marks) Use https://www.conexus.ca/personal/toolsandcalculators/calculators/loancalculator/
More informationFull Legal Name: Do creditors know you by any other name? If yes, City Province Postal Code
Information Form Full Legal Name: Do creditors know you by any other name? If yes, Fax Number: Email Address: Telephone: (home) (work) ext# (cell) Mailing Address: Office use only: Bankruptcy: Summary
More informationStudent Aid Alberta STUDENT LOAN REPAYMENT 12/13 HANDBOOK
Student Aid Alberta STUDENT LOAN REPAYMENT HANDBOOK 12/13 IT PAYS TO THINK AHEAD! Leaving school is a new chapter in your life, and change can present both new opportunities and challenges at the same
More informationYMCA of Greenwich Scholarship Application
YMCA of Greenwich Scholarship Application The YMCA of Greenwich enriches the community by promoting positive values through programs that build healthy kids and strong families. Please take your time completing
More informationCompleting your Ontario forms. Form ON428, Ontario Tax. Step 1 Ontario non-refundable tax credits. Line 5808 Age amount
Completing your Ontario forms T he following information will help you complete Form ON428, Ontario Tax, and Form ON479, Ontario Credits and Senior Homeowners' Property Tax Grant. The terms spouse and
More informationIndependent Household Resources Verification Worksheet
Independent Household Resources Verification Worksheet 2015-2016 Your 2015 2016 Free Application for Federal Student Aid (FAFSA) was selected for review in a process called verification. Federal regulations
More informationLifelong Learning Plan (LLP)
Lifelong Learning Plan (LLP) Includes Form RC96 L / RC4112 (E) Rev. 11 www.cra.gc.ca Canada Revenue Agency Agence du revenu du Canada NOTE: In this publication, the text inserted between square brackets
More informationPrivate Committee Account Submission Package. Information for Committee
Private Committee Account Submission Package Information for Committee Why do I file this report? Accounts Submission Package You have been appointed as a Committee under the Patients Property Act. You
More information