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'U~]f`Cz~rm5׷ٜ!-h0&͡h$ UKOh+'0, px    CHAPTER 1 your name IRWIN37A.DOT jason_giles2@J6@j @v@v FMicrosoft ClipArt GalleryMS_ClipArt_GalleryMS_ClipArt_Gallery.59qAll CategoriesC:\Program Files\Common Files\Microsoft Shared\Clipart\cagcat50\bs00580_.wmf@ &r>M 0 jCaolan80 $&) :600:$:P;46@40}p:Zibh|u`Ojp40p9nuLN:7X:6\ Personal Financial Planner Preface This Personal Financial Planner is packaged free with each copy of Personal Finance, Third Canadian Edition, by Kapoor, Dlabay, Hughes and Ahmad purchased from McGraw-Hill Companies. This resource booklet is designed to help you create and implement a personal financial plan. The worksheets in this Personal Financial Planner are divided into the following main sections: A  Personal Data and Goals B  Money Management and Budgeting C  Tax Planning D  Banking Services E  Consumer Credit F  Housing G Insurance H  Investments I  Retirement and Estate Planning J  Financial Plan Summary Items to consider when using this Personal Financial Planner 1. Since this publication is designed to adapt to every personal financial situation, some of the sheets may be appropriate for you at this time, and not at other times in your life. 2. Each of the sheets in the first 9 sections is referenced to specific page numbers of Personal Finance, Third Canadian Edition, to help you better understand a topic. In addition, each sheet has one of the following symbols to highlight if it should be used in the planning, research, or summary phase of your financial decision making: Planning Sheet  Research Sheet  Summary Sheet 3. Some sheets may need to be used more than once (such as preparing a personal cash flow statement or a budget). You are encouraged to photocopy additional sheets as needed. 4. To assist you with using the internet for financial planning information, Web sites are listed on the opening page of each section. 5. Finally, remember personal financial planning is an ongoing activity. With the use of this booklet, the textbook, and your efforts, an organized and satisfying personal economic existence can be yours. Note: The sheets in this booklet along with other financial planning calculation tools, are available on the Windows version of Personal Finance, Third Canadian Edition, CD-ROM. Personal Financial Planner Table of Contents A. Personal Data and Goals Sheet 1 Personal information sheet Sheet 2 Financial institutions and advisors Sheet 3 Goal setting sheet Sheet 4 Monitoring current economic conditions Sheet 5 Time value of money calculations B. Money Management & Budgeting Sheet 6 Financial documents and records Sheet 7 Personal balance sheet Sheet 8 Personal cash flow statement Sheet 9 Cash budget Sheet 10 Annual budget summary Sheet 11 University education cost analysis/savings plan C. Tax Planning Sheet 12 Current income tax estimate Sheet 13 Tax planning activities Sheet 14 Income tax preparer comparison D. Banking Services Sheet 15 Planning the use of financial services Sheet 16 Using savings to achieve financial goals Sheet 17 Savings plan comparison Sheet 18 Chequing account comparison Sheet 19 Chequing account cost analysis Sheet 20 Chequing account reconciliation E. Consumer Credit Sheet 21 Current and future transportation needs Sheet 22 Used car purchase comparison Sheet 23 Buying vs. leasing an automobile Sheet 24 Automobile ownership and operation costs Sheet 25 Consumer credit usage patterns (debt inventory) Sheet 26 Credit card/charge accounts comparison Sheet 27 Consumer loan comparison F. Housing Sheet 28 Current and future housing needs Sheet 29 Renting vs. buying of housing Sheet 30 Apartment rental comparison Sheet 31 Housing affordability and mortgage qualification Sheet 32 Mortgage company comparison Sheet 33 Mortgage refinance analysis G. Insurance Sheet 34 Current insurance policies and needs Sheet 35 Home inventory Sheet 36 Determining needed property insurance Sheet 37 Apartment/home insurance comparison Sheet 38 Automobile insurance costs comparison Sheet 39 Determining life insurance needs Sheet 40 Life insurance policy comparison Sheet 41 Disability income insurance needs H. Investments Sheet 42 Setting investment objectives Sheet 43 Assessing risk for investment Sheet 44 Evaluating investment information Sheet 45 Using stocks to achieve financial goals Sheet 46 Using bonds to achieve financial goals Sheet 47 Using mutual funds and other investments Sheet 48 Investment broker comparison I. Retirement and Estate Planning Sheet 49 Retirement housing & lifestyle planning Sheet 50 Retirement plan Comparison Sheet 51 Forecasting retirement income Sheet 52 Estate planning activities Sheet 53 Will planning sheet Sheet 54 Trust comparison sheet J. Financial Plan Summary Sheet 55 Financial data summary Sheet 56 Savings/investment portfolio summary Sheet 57 Progress check on major financial goals and activities Sheet 58 Planning summary for money management, budgeting and tax planning Sheet 59 Planning summary for banking services & consumer credit Sheet 60 Planning summary for housing activities Sheet 61 Planning summary for insurance Sheet 62 Planning summary for investments Sheet 63 Planning summary for retirement and estate planning Section A Personal data and goals The worksheets in this section are to be used with Chapter 1 of Personal Finance, Third Canadian Edition. Sheet 1 Personal information sheet  textbook page 3 Sheet 2 Financial institutions and advisors - textbook page 6 Sheet 3 Goal setting sheet - textbook page 11 Sheet 4 Monitoring current economic conditions - textbook page 15 Sheet 5 Time value of money calculations - textbook page 17 Web sites for Financial PlanningCanadian MoneySaverwww.canadianmoneysaver.caSympatico.cahttp://finance.sympatico.ca/Webfin.comwww.webfin.comMotley Fool HYPERLINK "http://www.cnnfn.com/index.html"www.fool.comCBC Business Newswww.cbc.ca/businessNetscape Canadawww.netscape.ca/channels/finance/index2.jspMoneySense.cawww.moneysense.caConsumer Price Index & inflation datawww.statcan.cawww.bank-banque-canada.caCalculators for the time-value of moneywww.rbcroyalbank.com/tools.htmlwww.freebuck.com/tools/calculators/calculator.htmhttp://emerson.thomsonlearning.com/finance/students/timevalue.htmThe Financial Advisors Association of Canadawww.advocis.ca/The Financial Planners Standards Councilwww.cfp-ca.org/Canadian Business Magazinewww.canadianbusiness.comMoneySense Magazinewww.moneysense.caMaclean s Magazinewww.macleans.caCA Magazinewww.camagazine.comNational Postwww.nationalpost.comThe Globe and Mailwww.globeandmail.com Sheet 1  Personal information sheet Purpose: To provide quick reference for vital household data. Instructions: Provide the personal and financial data requested below.For use with Personal Finance, 3rd Canadian Edition Page 3 NameBirthdateMarital StatusAddressPhonee-mailSocial Insurance No.Drivers License No.Place of EmploymentAddressPhonePositionLength of ServiceChequing Acct. No.Financial Inst.AddressPhone Dependent data NameBirthdateRelationshipSocial Insurance No. Sheet 2  Financial institutions and advisors Purpose: To create a directory of commonly used financial institutions and financial planning professionals. Instructions: Provide the information in the spaces proved.For use with Personal Finance, 3rd Canadian Edition Page 6 LawyerCredit card 1NameIssuerAddressAddressPhonePhoneFaxFaxe-mailAcct. No.Exp. DateLimit Primary financial institutionCredit card 2NameIssuerAddressAddressPhonePhoneFaxFaxChequingAcct. No.Acct. No.Exp. DateSavingsLimitAcct. No.Loan No. Insurance (home/auto)Tax preparerAgentNameCompanyFirmAddressAddressPhonePhoneFaxFaxPolicy No.e-maile-mail (continued) Sheet 2 (continued) Insurance (life/health)Real estate agentAgentNameCompanyCompanyAddressAddressPhonePhoneFaxFaxe-maile-mailPolicy No. Investment brokerInvestment companyNameNameAddressAddressPhonePhoneFaxFaxe-mailAcct. No.Acct. No.e-mailWeb site Sheet 3  Goal setting sheet Purpose: To identify personal financial goals and create an action plan. Instructions: Based on personal and household needs and values, identify specific goals that require action.For use with Personal Finance, 3rd Canadian Edition Page 11 Short-term monetary goals (less than two years) DescriptionAmount neededMonths to achieveAction to be takenPriorityExample: pay off credit card debt$85012Use money from pay raiseHigh Intermediate and long-term monetary goals DescriptionAmount neededMonths to achieveAction to be takenPriority Non-monetary goals DescriptionTime frameActions to be takenExample: set up file for personal financial records and documentsnext 2-3 monthslocate all personal and financial records and documents; set up files for various spending, saving, borrowing categories Sheet 4  Monitoring current economic conditions Purpose: To monitor selected economic indicators that influence various saving, investing, spending, and borrowing decisions. Instructions: Using The Globe and Mail, World Wide Web, or other sources of economic information, obtain current data for various economic factors.For use with Personal Finance, 3rd Canadian Edition Page 15 Economic FactorRecent trendsPossible influences on financial planning decisionsExample: Mortgage ratesdecline in mortgage ratesconsider buying a home; consider refinancing an existing mortgageInterest ratesConsumer pricesOther: Other: Other:  Sheet 5  Time value of money calculations Purpose: To calculate future and present value amounts related to financial planning decisions. Instructions: Use a calculator or future or present value tables to compute the time value of money. For use with Personal Finance, 3rd Canadian Edition Page 17 Future value of a single amount to determine future value of a single amountcurrent amounttimesfuture value factorequalsfuture value amountto determine interest lost when cash purchase is made(Use Exhibit A-1 in the Appendix)$ x$ =$  Future value of a series of deposits to determine future values of regular savings depositsregular deposit amounttimesfuture value of annuity factorequalsfuture value amountto determine future value of regular retirement deposits(Use Exhibit A-2 in the Appendix)$ x$ =$  Present value of a single amount to determine an amount to be deposited now that will grow to desired amountfuture amount desiredtimespresent value factorequalspresent value amount(Use Exhibit A-3 in the Appendix)$ x$ =$  Present value of a series of deposits to determine an amount that can be withdrawn on a regular basisregular amount to be withdrawntimespresent value of annuity factorequalspresent value amount(Use Exhibit A-4 in the Appendix)$ x$ =$   Section B Money management and budgeting The worksheets in this section are to be used with Chapter 2 of Personal Finance, Third Canadian Edition. Sheet 6 Financial documents and records - textbook page 38 Sheet 7 Personal balance sheet - textbook page 41 Sheet 8 Personal cash flow statement - textbook page 43 Sheet 9 Cash budget - textbook page 51 Sheet 10 Annual budget summary - textbook page 52 Sheet 11 University education cost analysis/savings plan - textbook page 53 Web sites for Financial Recordkeeping, BudgetingStandard & Poors personal finance sitewww.personalwealth.comFinanCenterwww.financenter.com HYPERLINK "javascript:redirect('http://www.yourmoney.cba.ca/eng/index.htm',11);"There's Something About Moneywww.cba.caCanadian Foundation for Economic Educationwww.cfee.org/en/Budgeting informationwww.rbcroyalbank.comwww.americanexpress.com/studentThe Budget Zonehttp://investingcanada.about.com/library/blbudgets.htmTD Canada Trustwww.tdcanadatrust.com/lending/index.jspCanLearn Interactivehttp://canlearn.ca/ Sheet 6  Financial documents & records Purpose: To develop a system for maintaining and storing personal financial documents and records. Instructions: Indicate the location of the following records, and create files for the eight major categories of financial documents.For use with Personal Finance, 3rd Canadian Edition Page 38 ItemHome fileSafe deposit boxOther (specify)Money management records budget, financial statementsPersonal/employment records current rsum, social insurance card educational transcripts birth, marriage, divorce certificates citizenship, military papers adoption, custody papersTax recordsFinancial services/consumer credit records unused, cancelled cheques savings, passbook statements savings certificates credit card information, statements credit contractsConsumer purchase, housing, and automobile records warranties, receipts owner s manuals lease or mortgage papers, title deed, property tax info automobile title auto registration auto service recordsInsurance records insurance policies home inventory medical information (health history)Investment records broker statements dividend reports stock/bond certificates rare coins, stamps and collectiblesEstate planning and retirement will pension, RRSPs Sheet 7  Personal balance sheet Purpose: To determine your current financial position. Instructions: List the current values of the asset categories below; list the amounts owed for various liabilities; subtract total liabilities from total assets to determine net worth.For use with Personal Finance, 3rd Canadian Edition Page 41 balance sheet as ofAssetsLiquid assetsChequing account balanceSavings/money market accounts, fundsCash value of life insuranceOther __________Total liquid assetsHousehold assets & possessionsCurrent market value of homeMarket value of automobilesFurnitureStereo, video, camera equipmentJewelryOther __________Other __________Total household assetsInvestment assetsSavings certificatesStocks and bondsIndividual retirement accountsMutual fundsOther __________Total investment assetsTotal Assets LiabilitiesCurrent liabilitiesCharge account and credit card balancesLoan balancesOther __________Other __________Total current liabilitiesLong-term liabilitiesMortgageOther __________Total long-term liabilitiesTotal Liabilities Net Worth(assets minus liabilities) Sheet 8  Personal cash flow statement Purpose: To maintain a record of cash inflows and outflows for a month (or three months). Instructions: Record inflows and outflows of cash for a one (or three) month period.For use with Personal Finance, 3rd Canadian Edition Page 43 for month endingCash InflowsSalary (take-home)Other income:Other income:Total IncomeCash OutflowsFixed expensesMortgage or rentLoan paymentsInsuranceOther _________Other _________Total fixed outflowsVariable expensesFoodClothingElectricityTelephoneWaterTransportationPersonal careMedical expensesRecreation/entertainmentGiftsDonationsOther _________Other _________Total variable outflowsTotal OutflowsSurplus/DeficitAllocation of surplusEmergency fund savingsFinancial goals savingsOther savings _________ Sheet 9  Cash budget Purpose: To compare projected an actual spending for a one (or three) month period. Instructions: Estimate projected spending based on your cash flow statement, and maintain records for actual spending for these same budget categories.For use with Personal Finance, 3rd Canadian Edition Page 51 Budgeted amountsActualIncomedollarpercentamountsVarianceSalaryOther Total income100%ExpensesFixed expenses Mortgage or rentProperty taxesLoan paymentsInsuranceOther Total fixed expensesEmergency fund/savings Emergency fundSavings for Savings for Total savingsVariable expenses FoodUtilitiesClothingTransportation costsPersonal careMedical and health careEntertainmentEducationGifts/donationsMiscellaneousOther Other Total variable expensesTotal expenses100% Sheet 10  Annual budget summary Purpose: To see an overview of spending patterns for a year. Instructions: Record the monthly budget amount in the first column and actual monthly spending in the appropriate column.For use with Personal Finance, 3rd Canadian Edition Page 52 ExpenseMonthly Budget AmountJanFebMarAprMayJunSavingsMortgage/rentHousing costsTelephoneFood (at home)Food (away)ClothingTransportationCredit paymentsInsuranceHealth careRecreationReading/educationGifts/donationsMiscellaneousOther Other TotalSheet 10 (continued) Year TotalsExpenseJulAugSepOctNovDecActualBudgetSavingsMortgage/rentHousing costsTelephoneFood (at home)Food (away)ClothingTransportationCredit paymentsInsuranceHealth careRecreationReading/educationGifts/donationsMiscellaneousOther Other TOTAL Sheet 11  University education cost analysis, savings plan Purpose: To estimate future costs of university and calculate needed savings. Instructions: Complete the information and calculations requested below.For use with Personal Finance, 3rd Canadian Edition Page 53 Estimated cost of college education Current cost of university education$(including tuition, fees, room, board, books, travel and other expenses) Future value for ______ years until starting university at an expected annual inflation of _______ percent (use future value of $1, Exhibit A-1 in the Appendix)$Projected future cost of university adjusted for inflation(A) $ Estimated annual savings to Projected future cost of college for inflation(A) $ Future value of a series of deposits for ______ years until starting university and expected annual rate of return on saving and investments of ______ percent (use Exhibit A-2 in the Appendix)(B) $ Estimated annual deposit to achieve needed education fund A divided by B$Section C Tax planning The worksheets in this section are to be used with Chapter 3 of Personal Finance, Third Canadian Edition. Sheet 12 Current income tax estimate - textbook page 77 Sheet 13 Tax planning activities - textbook page 86 Sheet 14 Income tax preparer comparison - textbook page 88 Web sites for Tax PlanningCanada Customs and Revenue Agencywww.ccra-adrc.gc.caProvincial and territorial linkswww.ccra-adrc.gc.ca/tax/business/prov_links-e.htmlTax softwarewww.taxwiz.cawww.grifftax.cawww.cantax.comFile your taxes onlinewww.intuit.com/canada/quicktax/Ernst & Youngwww.eycan.comKPMGwww.kpmg.ca/taxH&R Blockwww.hrblock.caDeloitte & Touchewww.deloitte.caCanadian Tax Foundationwww.ctf.ca Sheet 12  Current income tax estimate Purpose: To estimate your current federal income tax liability. Instructions: Based on last year s tax return, estimates for the current year, and current tax regulations and rates, estimate your current tax liability.For use with Personal Finance, 3rd Canadian Edition Page 77 Total income (salary, commission, fees, tips, bonuses, investment income, passive income and other income.)$Less Deductionscontributions to registered deferred income plans$union and professional dues$moving expenses$child care expenses$expenses to pay for an attendant for disabled people$interest $other deductions$Total Deductions-$Equals Net income=$Less Other allowable deduction orLosses carried over-$Equals Taxable income=$Federal tax (based on current tax bracket)$Less Tax credits-$Plus Net provincial taxes+$Equals Tax due (or refund)=$ Sheet 13  Tax planning activities Purpose: To consider actions that can prevent tax penalties and may result in tax savings. Instructions: Consider which of the following actions are appropriate to your tax situation.For use with Personal Finance, 3rd Canadian Edition Page 86 Action to be taken (if applicable)CompletedFiling status/withholding Change filing status or deductions due to changes in life situation Change amount of withholding due to changes in tax situations Plan to make estimated tax payments (due the 15th of March, June, September, and December)Tax records/documents Organize home files for ease of maintaining and retrieving data Send current mailing address, correct social insurance number to CCRA, place of employment, and other income sourcesAnnual tax activities Be certain all needed data and current tax forms are available well before deadline Research tax code changes and uncertain tax areasTax savings actions Consider tax-exempt and tax-deferred investments If you expect to have the same or lower tax rate next year, accelerate deductions into the current year If you expect to have the same or lower tax rate next year, delay the receipt of income until next year If you expect to have a higher tax rate next year, delay deductions since they will have a greater benefit If you expect to have a higher tax rate next year, accelerate the receipt of income to have it taxed at the current lower rate Start or increase use of tax-deferred retirements plans Other  Sheet 14  Income tax preparer comparison Purpose: To compare the services and costs of different income tax return preparation sources. Instructions: Using advertisements and information from tax preparation services, obtain information for the following.For use with Personal Finance, 3rd Canadian Edition Page 88 Local tax serviceNational tax serviceLocal accountantCompany nameAddressTelephonee-mailWeb siteCost of preparation of federal or provincial tax returnCost of electronic filingAssistance provided if CCRA questions your returnOther services provided Section D Banking services The worksheets in this section are to be used with Chapter 4 of Personal Finance, Third Canadian Edition. Sheet 15 Planning the use of financial services - textbook page 104 Sheet 16 Using savings to achieve financial goals - textbook page 114 Sheet 17 Savings plan comparison - textbook page 117 Sheet 18 Chequing account comparison - textbook page 118 Sheet 19 Chequing account cost analysis - textbook page 119 Sheet 20 Chequing account reconciliation - textbook page 128 Web sites for Banking ServicesCurrent rates for savings instrumentswww.cbc.ca/business/personalfinance/banks.htmlwww.webfin.comSuperintendent of Financial Institutionswww.osfi-bsif.gc.caCanadian Deposit Insurance Corporationwww.cdic.caCanadian Saving Bondswww.csb.gc.caCanadian Bankers Assn.www.cba.caFinancial service charges calculator http://strategis.ic.gc.caRoyal Bank of Canadawww.royalbank.comNational Bank of Canadawww.nbc.caTD Canada Trustwww.tdcanadatrust.comScotiabankwww.scotiabank.comCIBCwww.cibc.comBank of Montrealwww.bmo.comCitizens Bank of Canadawww.citizensbank.ca/menuId/60001 Sheet 15  Planning the use of financial services Purpose: To indicate currently used financial services and to determine services that may be needed in the future. Instructions: List (1) currently used services with financial institution information (name, address, phone); and (2) services that are likely to be needed in the future.For use with Personal Finance, 3rd Canadian Edition Page 104 Types of financial servicesCurrent financial services usedAdditional financial services needed Payment services (chequing, automated teller machine, money orders) Financial Institution    Savings services (savings account, investment certificates, savings bonds) Financial Institution    Credit services (credit cards, personal loans, mortgage) Financial Institution    Other financial services (insurance protection, investments, real estate, tax assistance) Financial Institution     Sheet 16  Using savings to achieve financial goals Purpose: To monitor savings for use in reaching financial goals. Instructions: Record savings plan information along with the amount of your balance or income on a periodic basis.For use with Personal Finance, 3rd Canadian Edition Page 114 Regular savings accountSavings goal/Amount needed/Date needed:Acct. NoFinancial institutionInitial deposit:Date$Balance:Date$AddressDate$Date$PhoneDate$ Term deposit/GICsSavings goal/Amount needed/Date needed:Acct. NoFinancial institutionInitial deposit:Date$Balance:Date$AddressDate$Date$PhoneDate$ Canadian Savings BondsSavings goal/Amount needed/Date needed:Purchase locationPurchase date:Maturity date:Amount:Maturity date:AddressPurchase date:Maturity date:PhoneAmount:Maturity date: Other SavingsSavings goal/Amount needed/Date needed:Acct. NoFinancial institutionInitial deposit:Date$Balance:Date$AddressDate$Date$PhoneDate$ Sheet 17  Savings plan comparison Purpose: To compare the benefits and costs associated with different savings plans. Instructions: Analyze advertisements and contact various financial institutions to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 117 Type of savings plan (Regular savings account, special accounts, term deposits, GICs, other)Financial institutionAddress/PhoneWeb siteAnnual interest rateFrequency of compoundingEffective annual rate (EAR)Interest computation method day of deposit, day of withdrawal average daily balance low balance other Insured by CDICMaximum amount insuredMinimum initial depositMinimum time period savings must be on depositPenalties for early withdrawalService charges/fees transaction fee for more than set number of withdrawalsOther costs/fees Free gifts (item, amount of deposit, interest lost) Sheet 18  Chequing account comparison Purpose: To compare the benefits and costs associated with different chequing accounts. Instructions: Analyze advertisements and contact various financial institutions (banks, savings and loan associations, or credit unions) to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 118 Institution nameAddressPhoneWeb siteType of account (regular chequing, interest-earning account, or other)Minimum balance for  free chequingMonthly charge for going below minimum balance Free chequing accounts for full-time students?On-line banking services Other fees/costs printing of chequesstop payment orderoverdrawn accountcertified chequeATM, other chargesBanking hoursLocation of branch offices and ATM terminals Sheet 19  Chequing account cost analysis Purpose: To compare the inflows and outflows of a chequing account. Instructions: Record the interest earned (inflows) and the costs and fees (outflows) as requested below. Note: Not all items will apply to every chequing account.For use with Personal Finance, 3rd Canadian Edition Page 119 InflowsOutflowsStep 1Step 2Multiply average monthly balance $ ____________ by Monthly service charge $ _______ X 12 =$average rate of return _______ % to determine annual earningsAverage number of cheques written per month _______ X charge per cheque (if applicable) X 12 =$Average number of deposits per month _______ X charge per deposit (if applicable) X 12 =$Fee incurred when going below minimum balance _______ X times below minimum =$Lost interest: opportunity cost _______ % X required minimum balance $ _______ =$= Total Estimated InflowTotal Estimated Outflow$$ Estimated inflows less outflows = Net earnings for account -Net cost for account +/- $ Note: This calculation does not take into account charges and fees for such services as overdrafts, stop payments, ATM use, and cheque printing. Be sure to also consider those costs when selecting a chequing account. Sheet 20  Chequing account reconciliation Purpose: To determine the adjusted cash balance for your chequing account. Instructions: Enter data from your bank statement and chequebook for the amounts requested.For use with Personal Finance, 3rd Canadian Edition Page 128 Date of bank statementBalance on bank statement$Step 1Subtract total of outstanding cheques (cheques that you have written but have not yet cleared in the banking system)Cheque No.AmountCheque No.Amount-$Step 2Add deposits in transit (deposits you have made but have not been reported on this statement)DateAmountDateAmount+$Adjusted cash balance$ Current balance in your chequebookStep 3Subtract fees or other charges listed on your bank statement (including ATM withdrawals)ItemAmountItemAmount-$Step 4Add interest earned+$Add direct deposits+$Adjusted cash balance$ (The two adjusted balances should be the same; if not, carefully check your math and check to see that deposits and cheques recorded in your chequebook and on your statement are for the correct amounts.) Section E Consumer credit The worksheets in this section are to be used with Chapters 5 and 6 of Personal Finance, Third Canadian Edition. Sheet 21 Current and future transportation needs - textbook page 138 Sheet 22 Used car purchase comparison - textbook page 138 Sheet 23 Buying v !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~  s. leasing an automobile - textbook page 139 Sheet 24 Automobile ownership and operation costs - textbook page 139 Sheet 25 Consumer credit usage patterns (debt inventory) - textbook page 141 Sheet 26 Credit card/charge card comparison - textbook page 163 Sheet 27 Consumer loan comparison - textbook page 164 Web sites for Using Credit Wisely and comparing Credit CostsCanadian Black Bookwww.canadianblackbook.comCanadian Red Bookwww.canadianredbook.comCarQuotes.ca www.carquotes.ca/CarCostCanada.comwww.carcostcanada.com/en/Autonet.cawww.autonet.caTransport Canada  Road safetywww.tc.gc.ca/roadsafety/rsindx_e.htmTransport Canada  Vehicle Recalls and Defectswww.tc.gc.ca/roadsafety/recalls/recintro_e.htmCrash Testing Results & Other Highway Safety Informationhttp://www.hwysafety.org/Natural Resources Canadahttp://oee.nrcan.gc.ca/vehicles/home.cfmSocit de l'Assurance Automobile du Qubecwww.saaq.gouv.qc.ca/Credit card rateswww.webfin.comConsumer Connectionhttp://strategis.ic.gc.ca/sc_consu/consaffairs/engdoc/oca.htmlThe Fraser Institutewww.fraserinstitute.ca/Credit card costs calculatorhttp://strategis.ic.gc.ca/SSG/ca00458e.htmlCanadian Broadcasting Corporationhttp://cbc.ca/consumersYour Money Networkwww.yourmoney.cba.ca/eng/yourmoney_net/network.htmCredit reports informationwww.equifax.cawww.tuc.caFinanCenterwww.financenter.comFinancial Consumer Agency of Canada (FCAC)www.fcac-acfc.gc.caBankruptcyCanada.comwww.bankruptcycanada.comCredit Wizard online credit card sitewww.creditwizard.caRoyal Bank of Canadawww.royalbank.com Sheet 21  Current and future transportation needs Purpose: To assess current and future transportation. Instructions: Based on current needs and expected needs, complete the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 138 Current situation: Date Vehicle 1Vehicle 2Year/ModelYear/ModelKilometresKilometresConditionConditionNeeded repairsNeeded repairsEstimated annual costsEstimated annual costsgas, oil, repairsgas, oil, repairsinsuranceinsuranceloan balanceloan balanceEstimated market valueEstimated market value Expected and projected changes in transportation needs Personal desires and concerns regarding current transportation Analysis of future desired transportation situation Description of new vehicle situation Time when this situation is desired Financing resources needed Available and projected financial resources Concerns that must be overcome Realistic time when transportation of choice may be achieved Sheet 22  Used car purchase comparison Purpose: To research and evaluate different types and sources of used cars. Instructions: When considering a used car purchase, use advertisements and visits to new and used car dealers to obtain the information below.For use with Personal Finance, 3rd Canadian Edition Page 138 Automobile (year, make, model)NameAddressPhoneWeb siteCostKilometresCondition of autoCondition of tiresRadioAir conditioningOther optionsWarranty (describe)Items in need of repairInspection items: any rust, major dents?oil or fluid leaks?condition of brakes?proper operation of heater, AC, wipers, other accessories?Other information Sheet 23  Buying vs. leasing and automobile Purpose: To compare costs of buying and leasing an automobile or other vehicle. Instructions: Obtain costs related to leasing and buying a vehicle.For use with Personal Finance, 3rd Canadian Edition Page 139 Purchase costsTotal vehicle cost, including sales tax ($ _________ )Down payment (or full amount if paying cash)$Monthly loan payment $ _________ times _______ month loan (this item is zero if vehicle is not financed)$Opportunity cost of down payment (or total cost of the vehicle if bought for cash)$ ________ times number of years of financing/ownership ______ times ________ percent (interest rate which funds could earn)$Less: estimated value of vehicle at end of loan term/ownership$Total Cost to Buy $Leasing costsSecurity deposit$Monthly lease payments $ _________ times _______ months $Opportunity cost of security deposit:$ _________ times _______ years times _______ percent$End-of-lease charges (if applicable*)$Total Cost to Lease $ *With a closed-end lease, charges for extra mileage or excessive wear and tear; with an open-end lease, end-of-lease payment if appraised value is less than estimated ending value. Sheet 24  Auto ownership and operation costs Purpose: To calculate or estimate the cost of owning and operating an automobile or other vehicle. Instructions: Maintain records related to the cost of categories listed belowFor use with Personal Finance, 3rd Canadian Edition Page 139 Model yearMake, size, model Fixed ownership costsDepreciation*Purchase price $ ______ divided by estimated life of _____ years$Interest on auto loanAnnual cost of financing vehicle if buying on credit$Insurance for the vehicleAnnual cost of liability and property$License, registration fee and taxes$Cost of registering vehicle $Total Fixed Costs $Variable costsGasoline______ estimated Km per year divided by ______ Km per litre _________ times the average price of $ _______ per litre$Oil changesCost of regular oil changes during the year$TiresCost of tires purchased during the year$Maintenance/repairsCost of planned or other expected maintenance$Parking and tollsRegular fees for parking and highway toll charges$Total Variable Costs $Total costs$Divided by Km per yearEquals cost per Km$ (*This estimate of vehicle depreciation is based on a straight-line approach equal depreciation year; a more realistic approach would be larger amounts in the early years ownership, such as 25-30% in the first year, 30-35% in the second; most cars lose 90 percent of their value by the time they are seven years old.) Sheet 25  Consumer credit usage patterns Purpose: To create a record of current consumer debt balances. Instructions: Record account names, numbers, and payments for current consumer debts.For use with Personal Finance, 3rd Canadian Edition Page 141 Date Automobile, education, personal and installment loans Financial institutionAccount numberCurrent balanceMonthly payment Charge cards and credit cards  Other loans (overdraft protection, home equity, life insurance loan) Totals Debt payment-to-income ratio =  EMBED  Sheet 26  Credit card/charge cards comparison Purpose: To compare the benefits and costs associated with different credit cards and charge cards. Instructions: Analyze ads, credit applications, and contact various financial institutions to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 163 Type of credit/charge cardsName of company/accountAddress/phoneWeb siteType of purchases which can be madeAnnual fee (if any)Annual percentage rate (APR) (interest calculation information)Credit limit for new customersMinimum monthly paymentOther costs: credit report late fee other Restrictions (age, minimum annual income)Other information for consumers to considerFrequent flyer or other bonus points Sheet 27  Consumer loan comparison Purpose: To compare the costs associated with different sources of consumer loans. Instructions: Contact or visit a bank, credit union, and consumer finance company to obtain information on a loan for a specific purpose.For use with Personal Finance, 3rd Canadian Edition Page 164 Type of financial institutionNameAddressPhoneWeb siteAmount of down paymentLength of loan (months)What collateral is required?Amount of monthly paymentTotal amount to be repaid (monthly amount x number of months + down payment)Total finance charge/cost of creditAnnual percentage rate (APR)Other costs credit life insurance credit report other costsIs a co-signer required?Other informationSection F Housing The worksheets in this section are to be used with Chapter 7 of Personal Finance, Third Canadian Edition. Sheet 28 Current and future housing needs - textbook page 184 Sheet 29 Renting vs. buying housing - textbook page 185 Sheet 30 Apartment rental comparison - textbook page 190 Sheet 31 Housing affordability and mortgage qualification - textbook page 193 Sheet 32 Mortgage company comparison - textbook page 199 Sheet 33 Mortgage refinance analysis - textbook page 201 Web sites for HousingRenting vs. buyingwww.financenter.comCanada Mortgage and Housing Corporationwww.cmhc-schl.gc.ca/en/index.cfmCitizenship and Immigration Canada http://cicnet.ci.gc.ca/english/newcomer/fact_02e.htmlCanoe Webfinwww.webfin.com/en/mymoney/house/Property listingswww.mls.cawww.remax.cawww.sutton.comwww.ireba.caHome buying guidewww.movingincanada.comwww.ired.comThe Canadian Real Estate Associationwww.crea.caMortgage informationwww.cibc.comwww.citizensbank.ca/mortgagewww.canmortgage.comwww.themortgage.comhttp://canadamortgages.com/Variable rate mortgageswww.cannex.com/canada/english/ Sheet 28  Current and future housing needs Purpose: To assess current and future plans for housing. Instructions: Based on current and expected future needs, complete the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 184 Current situation:DateRentingBuyingLocationLocationDescriptionDescriptionAdvantagesAdvantagesDisadvantagesDisadvantagesRent $Mortgage payment $Lease expirationBalance $Current market value Expected and projected changes in housing needs Personal desires and concerns regarding current housing situation Analysis of future desired housing situation Description of new housing situationTime when this situation is desiredFinancing resources needed/availableConcerns that must be overcomeRealistic time when housing of choice may be achieved Sheet 29  Renting vs. buying housing Purpose: To compare cost of renting and buying your place of residence. Instructions: Obtain estimates for comparable housing units for the data requested below.For use with Personal Finance, 3rd Canadian Edition Page 185 Rental costsAnnual rent payments (monthly rent $ _______ X 12)$Renter s insurance$Interest lost on security deposit$(deposit times after-tax savings acct. interest rate)Total Annual Cost of Renting$Buying costsAnnual mortgage payments$Property taxes (annual costs)$Homeowner s insurance (annual premium)$Estimated maintenance and repairs$After-tax interest lost because of down payment and closing costs$Less: financial benefits of home ownershipGrowth in equity$-Tax savings for mortgage interest$-(annual mortgage interest times tax rate)Tax savings for property taxes$-(annual property taxes times tax rate)Estimated annual depreciation$-Total Annual Cost of Buying$ Sheet 30  Apartment rental comparison Purpose: To evaluate and compare rental housing alternatives. Instructions: When in the market for an apartment, obtain information to compare costs and facilities of three apartments.For use with Personal Finance, 3rd Canadian Edition Page 190 Name of renting person or apartment buildingAddressPhoneMonthly rentAmount of security depositLength of leaseUtilities included in rentParking facilitiesStorage area in buildingLaundry facilitiesDistance to schoolsDistance to public transportationDistance to shoppingPool, recreation area, other facilitiesEstimated other costs:ElectricTelephoneGasWaterOther costsOther information Sheet 31  Housing affordability and mortgage qualification Purpose: To estimate the amount of affordable mortgage payment, mortgage amount, and home purchase price. Instructions: Enter the amounts requested, and perform the required calculations.For use with Personal Finance, 3rd Canadian Edition Page 193 Step 1Determine your monthly gross income (annual income divided by 12)$Step 2With a down payment of at least 10 percent, lenders use 30 percent of monthly gross income as a guideline for the CDS ratio and 40 percent of monthly gross income as a guideline for the TDS ratio. XStep 3Subtract other debt payments (such as payments on an auto loan), if applicable-Subtract estimated monthly costs of property taxes and homeowners insurance-Affordable monthly mortgage payment$Step 4Divide this amount by the monthly mortgage payment per $1,000 based on current mortgage rates (see Exhibit 7-7, text p. 195 ). For example, for a 10 percent , 25-year loan, the number would be $8.94)Multiply by $1,000X$1,000Affordable mortgage amount$Step 5Divide your affordable mortgage amount by 1 minus the fractional portion of your down payment (for example, 0.9 for a 10 percent down payment)Affordable home purchase price$ Note: The two ratios used by lending institutions (Step 2) and other loan requirements are likely to vary based on a variety of factors, including the type of mortgage, the amount of the down payment, your income level, and current interest rates. If you have other debts, lenders will calculate both ratios and then use the one that allows you greater flexibility in borrowing. Sheet 32  Mortgage company comparison Purpose: To compare the services and costs for different home mortgage sources. Instructions: When obtaining a mortgage, obtain the information requested below from different mortgage companies.For use with Personal Finance, 3rd Canadian Edition Page 199 Amount of mortgage$Down payment$YearsCompanyAddressPhoneWeb siteContact personApplication, credit report, property appraisal feesLoan origination feeOther fees, charges (commitment, title, tax transfer)Fixed rate mortgageMonthly paymentVariable rate mortgagetime until first rate change frequency of rate changeMonthly paymentInterest rate capRate index usedCommitment periodOther information Sheet 33  Mortgage refinance analysis Purpose: To determine savings associated with refinancing a mortgage. Instructions: Record financing costs and amount saved with new mortgage in the areas provided.For use with Personal Finance, 3rd Canadian Edition Page 201 Costs of refinancing:Application fee$Credit report$Legal fees$Title search$Title insurance$Appraisal fee$Inspection fee$Other fees$Total refinancing costs(A) $Monthly savings:Current monthly mortgage payment$Less:new monthly payment$Monthly savings(B) $Number of months to cover finance costsRefinance costs (A) divided by monthly savings (B)monthsSection G Insurance The worksheets in this section are to be used with Chapters 8 and 9 of Personal Finance, Third Canadian Edition. Sheet 34 Current insurance policies and needs - textbook page 217 Sheet 35 Home inventory - textbook page 225 Sheet 36 Determining needed property insurance - textbook page 229 Sheet 37 Apartment/home insurance comparison - textbook page 230 Sheet 38 Automobile insurance cost comparison - textbook page 234 Sheet 39 Determining life insurance needs - textbook page 245 Sheet 40 Life insurance policy comparison - textbook page 256 Sheet 41 Disability income insurance needs - textbook page 265 Web sites for InsuranceArticles on insurance www.canadianmoneysaver.caHealth Canada Onlinewww.hc-sc.gc.caLife and Health Insurance Foundation for Education (LIFE)www.life-line.orgMinistry of Health and Long-Term Carewww.health.gov.on.caProtection for policyholders www.compcorp.caThe Canadian Life and Health Insurance Associationwww.clhia.caInsurance Adjusters Resource Centrewww.adjust-it.com Online quote and informationwww.manulifedirect.com/direct/html/index.htmlwww.rbcinsurance.comwww.kanetix.comwww.trustco.cawww.consumerterm.comwww.lifeinsurancebrokers.comBroker Searchwww.ibac.caA.M. Bestwww.ambest.caInsurance-Canada.cawww.insurance-canada.caInsurance Bureau of Canadawww.ibc.ca Sheet 34  Current insurance policies and needs Purpose: To establish a record of current and needed insurance coverage. Instructions: List current insurance policies and areas where new or additional coverage is needed.For use with Personal Finance, 3rd Canadian Edition Page 217 Current coverageNeeded coveragePropertyCompanyPolicy No.Coverage amountsDeductibleAnnual premiumAgentAddressPhoneWeb siteAutomobile insuranceCompanyPolicy No.Coverage amountsDeductibleAnnual premiumAgentAddressPhoneWeb siteDisability income insuranceCompanyPolicy No.CoverageContactPhoneWeb siteHealth insuranceCompanyPolicy No.Policy provisionsContactPhoneWeb siteLife insuranceCompanyPolicy No.Type of policyAmount of coverageCash valueAgentPhoneWeb site Sheet 35  Home inventory Purpose: To create a record of personal belongings for use when settling home insurance claims. Instructions: For areas of the home, list your possessions including a description (model, serial number), cost and date of acquisition.For use with Personal Finance, 3rd Canadian Edition Page 225 Item, descriptionCostDate acquiredAttic Bathroom Bedrooms Family room Living room Hallways Kitchen Dining room Basement Garage Other items Sheet 36  Determining needed property insurance Purpose: To determine property insurance needed for a home or apartment. Instructions: Estimate the value and your needs for the categories below.For use with Personal Finance, 3rd Canadian Edition Page 229 Real property (this section not applicable to renters)Current replacement value of home$Personal propertyEstimated value of appliances, furniture, clothing and other household items (conduct an inventory)$Type of coverage for personal propertyactual cash valuereplacement value Additional coverage for items with limits on standard personal property coverage such as jewellery, firearms, silverware, photographic, electronic and computer equipment ItemAmount Personal liabilityAmount of additional personal liability coverage desired for possible personal injury claims$Specialized coveragesIf appropriate, investigate flood or earthquake coverage excluded from home insurance policies$ Note: Use Sheet 37 to compare companies, coverages and costs for apartment or home insurance. Sheet 37  Apartment/home insurance comparison Purpose: To research and compare companies, coverages and costs for apartment or home insurance. Instructions: Contact three insurance agents to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 230 Type of building:apartmenthomecondominiumLocation:Type of constructionAge of building Company nameAgent s name, address and phoneCoverage: Dwelling $ Other structures $ (does not apply to apartment/condo coverage)PremiumPremiumPremiumPersonal property $Additional living expenses $Personal liability Bodily injury $ Property damage $Medical payments per person $per accident $Deductible amountOther coverage $Service charges or feesTotal Premium Sheet 38  Automobile insurance cost comparison Purpose: To research and compare companies, coverages and costs for auto insurance. Instructions: Contact three insurance agents to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 234 Automobile (year, make, model, engine size) Driver s age ______________ Sex ___________Total Km driven in a year _______________ Full- or part-time drive? ____________________Total Km driven in a year _______________ Accidents or violations within the past three years? ___________________________________ Company nameAgent s name, address and phonePolicy length(6 months, 1 year)Coverage: Bodily injury liability per person $ per accident $PremiumPremiumPremiumProperty damage liab. per accident $Collision deductible $Comprehensive deductible $Medical payments per person $Uninsured motorist per person $per accident $Other coverageService chargesTotal Premium Sheet 39  Determining life insurance needs Purpose: To estimate life insurance coverage needed to cover expected expenses and future family living costs. Instructions: Estimate the amounts requested for the categories listed.For use with Personal Finance, 3rd Canadian Edition Page 245 Household expenses to be covered Final expenses (funeral, estate taxes, etc.)1$Payment of consumer debt amounts2$Emergency fund3$Tuition fund4$Expected living expenses: Average living expense$ Spouse s income after taxes$- Annual government benefits$- Net annual living expenses$ Years until spouse is 90$ Investment rate factor (see below)$Total living expenses(net annual expenses times investment rate factor)5$Total monetary needs (1+2+3+4+5)$Less: Total current investments$Life insurance needs$ Investment rate factors Years until spouse is 902530354045505560conservative investment2022252730313335aggressive investment1617192021212223 Note: Use Sheet 40 to compare life insurance policies. Sheet 40  Life insurance policy comparison Purpose: To research and compare companies, coverages, and costs for different life insurance policies. Instructions: Analyze ads and contact life insurance agents to obtain the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 256 Age: CompanyAgent s name, address and phoneType of insurance (term, straight/whole, limited payment, universal)Type of policy (individual, group)Amount of coverageFrequency of payment (monthly, quarterly, semi-annual, annual)Premium amountOther costs: service charges physical examRate of return (annual percentage increase in cash value; not applicable for term policies)Benefits of insurance as stated in ad or by agentPotential problems or disadvantages of this coverage Sheet 41  Disability income insurance needs Purpose: To determine financial needs and insurance coverage related to employment disability situations. Instructions: Use the categories below to determine your potential income needs and disability insurance coverage.For use with Personal Finance, 3rd Canadian Edition Page 265 Monthly expensesCurrentWhen disabledMortgage (or rent)$$Utilities$$Food$$Clothing$$Insurance payments$$Debt payments$$Auto/transportation$$Medical/dental care$$Education$$Personal allowances$$Recreation/entertainment$$Contributions, donations$$Total Monthly Expenses When Disabled$Substitute incomeMonthly benefit*Group disability insurance$Employment Insurance$Canada and Quebec pension plans$Workers compensation$Short or long term welfare$Other income (investments, etc.)$Total Projected Income When Disabled$ If projected income when disabled is less than expenses, additional disability income insurance should be considered. (*Most disability insurance programs have a waiting period before benefits start, and may have a limit as to how long benefits are received.) Section H Investments The worksheets in this section are to be used with Chapters 10-13 of Personal Finance, Third Canadian Edition. Sheet 42 Setting investment objectives - textbook page 279 Sheet 43 Assessing risk for investments - textbook page 284 Sheet 44 Evaluating investment information - textbook page 303 Sheet 45 Using stocks to achieve financial goals - textbook page 328 Sheet 46 Using bonds to achieve financial goals - textbook page 363 Sheet 47 Using mutual funds and other investments - textbook page 386 Sheet 48 Investment broker comparison - textbook page 333 Web sites for Investment InformationYahoo Canada Financehttp://ca.finance.yahoo.com/Canadian Financial Networkwww.canadianfinance.comThe Globe and Mail  Report on Businesswww.theglobeandmail.com/businessCanadianBusiness.comwww.canadianbusiness.comCNN Financial Newswww.cnnfn.com/index/htmlBloombergwww.bloomberg.comBusiness Weekwww.businessweek.com/investor/index.htmlSEDARwww.sedar.comThe Investor Learning Centrewww.investorlearning.caCanadian Securities Institute (CSI)www.csi.ca/index.htmlInvesting Online Resource Centerwww.investingonline.orgInvestorCanada.comwww.canadian-investor.comThe Stingy Investorwww.ndir.com/SI/index.htmThe Canadian Securities Administratorswww.csa-acvm.caThe Investment Dealers Association of Canadawww.ida.caCanadian Investor Protection Fund (CIPF)www.cipf.caMarket Regulation Services Inc. (RS)www.rs.ca/en/home/ Investment Clubshttp://ticonline.com, www.shareowner.caNational Bank Financial economic data and investment recommendations.www.anguswatt.comStock quotes & related datawww.stockhouse.ca, www.valueline.comThe World Federation of Exchangeswww.fibv.comTSX Venture Exchangewww.tsx.comMontreal Stock Exchangewww.m-x.caContinued Web sites for Investment InformationNew York Stock Exchangewww.nyse.comNASDAQ Canadawww.international.nasdaq.com/nasdaq-canada/nasdaqCanada.aspAnnual report informationwww.adviceforinvestors.com, www.reportgallery.com, www.wilink.comBond information and ratingwww.bondsonline.com, www.bondcan.com, www.moodys.com, www.dbrs.com, www.investinginbonds.com, www.standardpoor.comCanadian Saving Bondswww.csb.gc.caCanadian T-Billwww.bankofcanada.ca, www.treasurybills.caMutual Fund Dealers Association (MFDA)www.mfda.caInvestment Funds Institute of Canada (IFIC)www.ific.caFundLibrary.comwww.fundlibrary.comBasic mutual fund informationwww.fundata.com, www.investcom.com/page/mutual.html, www.globefund.com, www.morningstar.ca, http://mutualfunds.yahoo.ca/ Sheet 42  Setting investment objectives Purpose: To determine specific goals for an investment program. Instructions: Based on short and long term objectives for your investment efforts, enter the items requested below.For use with Personal Finance, 3rd Canadian Edition Page 279 Description of financial needAmountDate neededInvestment goal (safety, growth, income)Level of risk (high, medium, low)Possible investments to achieve this goal Note: Sheets 45, 46, and 47 may be used to implement specific investment plans to achieve these goals. Sheet 43  Assessing risk for investments Purpose: To assess the risk of various investments in relation to your personal risk tolerance and financial goals. Instructions: List various investments you are considering based on the type and level of risk associated with each.For use with Personal Finance, 3rd Canadian Edition Page 284 Loss of market valueType of riskLevel of risk(market risk)Inflation riskInterest rate riskLiquidity riskHigh riskModerate riskLow risk Sheet 44  Evaluating investment information Purpose: To identify and assess the value of various investment information sources. Instructions: Obtain samples of several investment information that you might consider to guide you in your investment decisions.For use with Personal Finance, 3rd Canadian Edition Page 303 Criteria EvaluationItem 1Item 2Item 3Location (address, phone)Web siteOverview of information provided (main features)CostEase of accessEvaluation: reliability clarity value of information compared to cost Sheet 45  Using stocks to achieve financial goals Purpose: To plan stock investments for specific financial goals. Instructions: Use current and projected stock values and dividends to create an investment plan for achieving a goal.For use with Personal Finance, 3rd Canadian Edition Page 328 Financial goal/amount Stock Date:Company:Purchase price per share: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per share: $Price per share: $Price per share: $Total value: $Total value: $Total value: $ Financial goal/amount Stock Date:Company:Purchase price per share: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per share: $Price per share: $Price per share: $Total value: $Total value: $Total value: $ Financial goal/amount Stock Date:Company:Purchase price per share: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per share: $Price per share: $Price per share: $Total value: $Total value: $Total value: $ Note: Different stocks can be used for each financial goal, or a portfolio of several stocks can be used for a single financial goal. Sheet 46  Using bonds to achieve financial goals Purpose: To plan bond investments to achieve specific financial goals. Instructions: Use current and projected interest income and bond prices to create an investment plan for achieving a goal.For use with Personal Finance, 3rd Canadian Edition Page 363 Financial goal/amount Corporate Bond Date:Organization:Purchase Price: $Type of bonds:Interest rate annual amount ______%: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per bond: $Price per bond: $Price per bond: $Total value: $Total value: $Total value: $Interest earned: $Interest earned: $Interest earned: $ Financial goal/amount Corporate Bond Date:Organization:Purchase Price: $Type of bonds:Interest rate annual amount ______%: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per bond: $Price per bond: $Price per bond: $Total value: $Total value: $Total value: $Interest earned: $Interest earned: $Interest earned: $ Financial goal/amount Corporate Bond Date:Organization:Purchase Price: $Type of bonds:Interest rate annual amount ______%: $Total cost including commission: $Value 1Value 2Value 3Date:Date:Date:Price per bond: $Price per bond: $Price per bond: $Total value: $Total value: $Total value: $Interest earned: $Interest earned: $Interest earned: $Note: Different investments can be used for each financial goal, or a portfolio of several investments can be used for a single financial goal. Sheet 47  Using mutual funds and other investments Purpose: To plan for using mutual funds and other investments to achieve specific financial goals. Instructions: Use current and projected investment values and incomes to create an investment plan for achieving a goal.For use with Personal Finance, 3rd Canadian Edition Page 386 Financial goal/amount Mutual Fund Date:Company:Type of fund:Purchase price: $Number of shares:Total cost including fees: $Value 1Value 2Value 3Date:Date:Date:NAV (net asset value):NAV (net asset value):NAV (net asset value):$$$Total value: $Total value: $Total value: $ Financial goal/amount Mutual Fund Date:Company:Type of fund:Purchase price: $Number of shares:Total cost including fees: $Value 1Value 2Value 3Date:Date:Date:NAV (net asset value):NAV (net asset value):NAV (net asset value):$$$Total value: $Total value: $Total value: $ Financial goal/amount Mutual Fund Date:Company:Type of fund:Purchase price: $Number of shares:Total cost including fees: $Value 1Value 2Value 3Date:Date:Date:NAV (net asset value):NAV (net asset value):NAV (net asset value):$$$Total value: $Total value: $Total value: $Note: Different investments can be used for each financial goal, or a portfolio of several investments can be used for a single financial goal. Sheet 48  Investment broker comparison Purpose: To compare the benefits and costs of different investment brokers. Instructions: Compare the services of an investment broker based on the factors listed below.For use with Personal Finance, 3rd Canadian Edition Page 333 Broker s nameOrganizationAddressPhoneWeb siteYears of experienceEducation and trainingAreas of specializationCertifications heldProfessional affiliationsEmployer s stock exchange and financial market affiliationsInformation services offeredMinimum commission chargeCommission on 100 shares of stock at $50/shareFees for other investments: corporate bonds mutual funds stock optionsOther fees: annual account fee inactivity fee otherSection I Retirement & estate planning The worksheets in this section are to be used with Chapters 14-15 of Personal Finance, Third Canadian Edition. Sheet 49 Retirement housing and lifestyle planning - textbook page 413 Sheet 50 Retirement plan comparison - textbook page 418 Sheet 51 Forecasting retirement income - textbook page 426 Sheet 52 Estate planning activities - textbook page 436 Sheet 53 Will planning sheet - textbook page 440 Sheet 54 Trust comparison sheet - textbook page 445 Web sites for Retirement and Estate PlanningPlanning, assistance & articleshttp://finance.sympatico.ca/rrsp/http://argent.canoe.comwww.hrsdc.gc.ca/en/gateways/individuals/audiences/seniors.shtmlwww.rbcinvestments.com/retirementplan.htmlSeniors Canada Onlinewww.seniors.gc.caCanadian Assn. of Retired Personswww.fifty-plus.netBenefits Canadawww.benefitscanada.comPension planswww.hrsdc.gc.ca/en/home.shtmlwww.rrq.gouv.qc.ca/fr/accueil/00.htmCPP Investment Boardwww.cppib.ca/index_en.htmlEstate planning informationwww.rbcinvestments.com/estateplan.htmlwww.tdcanadatrust.com/trusts/index.jspWills & estate planning informationwww.gov.mb.ca/shas/ http://www.gov.on.ca/ont/portal/!ut/p/.cmd/cs/.ce/7_0_A/.s/7_0_252/_s.7_0_A/7_0_252/_l/en?docid=EC001064#wills www.preplannet.com/www.wills-net.com/web/canada/ Sheet 49  Retirement housing and lifestyle planning Purpose: To consider housing alternatives for retirement living, and to plan retirement activities. Instructions: Evaluate current and expected needs and interest based on the items below.For use with Personal Finance, 3rd Canadian Edition Page 413 Retirement housing plans Description of current housing situation (size, facilities, location) Time until retirement ________ years Description of retirement housing needs Checklist of retirement housing alternatives present homeprofessional companionship arrangementhouse sharingcommercial rentalaccessory apartmentboard and care homeelder cottage housingcongregate housingrooming housecontinuing care retirement communitysingle-room occupancynursing homecaretaker arrangement Personal and financial factors that will influence the retirement housing decision Financial planning actions to be taken related to retirement housing Retirement activities What plans do you have to work part-time or do volunteer work? What recreational activities do you plan to continue or start? (Location, training, equipment needs) What plans do you have for travel or educational study? Sheet 50  Retirement plan comparison Purpose: To compare benefits and costs for different retirement plans. Instructions: Analyze advertisements and articles, and contact your employer and financial institutions to obtain the information below.For use with Personal Finance, 3rd Canadian Edition Page 418 Type of planName of financial institution or employerAddressPhoneWeb siteType of investmentsMinimum initial depositMinimum additional depositsEmployer contributionsCurrent rate of returnService charges/feesSafety Insured? By whom? AmountPayroll deduction availableTax benefitsPenalty for early withdrawal:other penaltiesOther features or restrictions Sheet 51  Forecasting retirement income Purpose: To determine the amount needed to save each year to have the necessary funds to cover retirement living costs. Instructions: Estimate the information requested below.For use with Personal Finance, 3rd Canadian Edition Page 426 Estimated annual retirement living expenses Estimated annual living expenses if you retired today$Future value for ____ years until retirement at expected annual income of ____ % (use future value of $1, Exhibit A-1 of the Appendix)xProjected annual retirement living expenses adjusted for inflation (A) $ Estimated annual income at retirement Public Pension Plans$Employee pension, personal retirement account income$Investment and other income$Total retirement income (B) $ Additional retirement plan contributions (if B is less than A) Annual shortfall of income after retirement (A-B)$Expected annual rate of return on invested funds after retirement, percentage expressed as a decimal$Needed investment fund after retirement A- B (C) $Future value factor of a series of deposits for ____ years until retirement and an expected annual rate of return before retirement of ____ % (Use Exhibit A-2 in the Appendix)(D) $Annual deposit to achieve needed investment fund (C divided by D) $ Sheet 52  Estate planning activities Purpose: To develop a plan for estate planning and related financial activities. Instructions: Respond to the following questions as a basis for making and implementing an estate plan.For use with Personal Finance, 3rd Canadian Edition Page 436 Are your financial records, including recent tax forms, insurance policies, and investment and housing documents, organized and easily accessible?Do you have a safe-deposit box? Where is it located? Where is the key?Location of life insurance policies. Name and address of insurance company and agent.Is your will current? Location of copies of your will. Name and address of your lawyer.Name and address of your executorDo you have a listing of the current value of assets owned and liabilities outstanding?Have any funeral and burial arrangements been made?Have you created any trusts? Name and location of financial institution.Do you have any current information on estate taxes?Have you prepared a letter of last instruction? Where is it located? Sheet 53  Will planning sheet Purpose: To compare costs and features of various types of wills. Instructions: Obtain information for the various areas listed based on your current and future situation; contact lawyers regarding the cost of these willsFor use with Personal Finance, 3rd Canadian Edition Page 440 Type of willFeatures that would be appropriate for my current or future situationCost Lawyer, Address, Phone Sheet 54  Trust comparison sheet Purpose: To identify features of different types of trusts. Instructions: Research features of various trusts to determine their value to your personal situation.For use with Personal Finance, 3rd Canadian Edition Page 445 Type of trustBenefitsPossible value for my situationSection J Financial plan summary The following worksheets are designed to summarize the actions needed to assess, plan, and achieve your personal financial goals: Sheet 55 Financial data summary Sheet 56 Savings/investment portfolio summary Sheet 57 Progress check on major financial goals and activities Sheet 58 Summary for money management, budgeting, and tax planning Sheet 59 Summary for banking services and consumer credit Sheet 60 Summary for housing activities Sheet 61 Summary for insurance Sheet 62 Summary for investments Sheet 63 Summary for retirement and estate planning As you complete the various sheets in the previous sections, transfer financial data, goals, and planned actions to the summary sheets in this section. For example: SheetActions to be takenPlanned completion dateCompleted ()6 (financial documents & records)locate and organize all personal financial documentswithin 2-3 months12 (current income tax estimate)sort current tax data, compute estimate to determine tax amountFebruary 15 Sheet 55  Financial data summary DateBalance sheet summaryAssetsLiabilitiesNet worthCash flow summaryInflowsOutflowsSurplus/deficitBudget summaryBudgetActualVarianceDateBalance sheet summaryAssetsLiabilitiesNet worthCash flow summaryInflowsOutflowsSurplus/deficitBudget summaryBudgetActualVariance Sheet 56  Savings/investment portfolio summary  DescriptionOrganization contact/phone/ web sitePurchase price/dateValue/ dateValue/dateValue/dateValue/date Sheet 57  Progress check on major financial goals and activities Some financial planning activities require short-term perspective. Other activities may require continued efforts over a long period of time, such as purchasing a vacation home. This sheet is designed to help you monitor these long-term, ongoing financial activities. Major financial objectiveDesired completion dateInitial actions and dateProgress checks (date, progress made, and other actions to be taken) Sheet 58  Summary for money management, budgeting and tax planning activities (Text Chapters 2-3) SheetActions to be takenPlanned completion dateCompleted () Sheet 59  Summary for banking services and consumer credit activities (Text Chapters 4-6) SheetActions to be takenPlanned completion dateCompleted () Sheet 60  Summary for housing activities (Text Chapter 7) SheetActions to be takenPlanned completion dateCompleted () Sheet 61  Summary for insurance activities (Text Chapters 8-9) SheetActions to be takenPlanned completion dateCompleted () Sheet 62  Summary for investment activities (Text Chapters 10-13) SheetActions to be takenPlanned completion dateCompleted () Sheet 63  Summary for retirement and estate planning activities (Text Chapters 14-15) SheetActions to be takenPlanned completion dateCompleted ()      EMBED Microsoft ClipArt Gallery   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