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Canadian Financial Resources

Right up front. I am not a lawyer nor do I propose to give advice for which I am not qualified. Whatever is included on these pages is simply to give you resources for more information before you contact a lawyer or qualified specialist in the subject area. Also by using these materials you take responsibility for all decisions you make regarding the resources listed here.

These listings DO NOT imply endorsement of the sites.

However I do know that especially in the Province of Ontario it is VERY important to have a will, power of attorney, and living will regarding matters of health.

IF YOU DO NOT HAVE ONE, the Province will appoint a high-priced lawyer to make decisions for you regarding the disposition of your estate and/or if you are incapacitated so you cannot make your own decisions regarding your life and health, those decisions will be made for you by the above said lawyer at high cost to your estate.

MORAL OF THE STORY is ... GET A WILL, GET A POWER OF ATTORNEY, and GET A 'LIVING WILL'

I have simply done searches on the internet and included pages which seem to have information helpful to you. This list is NOT a recommended list of individuals, companies or websites. Most do business in the Province of Ontario.

Financial Books to Read

I heartily recommend a number of books for those who wish to make their financial life easier without working harder and longer hours!

"Personal Finance for Canadians for Dummies" by Eric Tyson, Financial counsellor syndicated columnist, and bestselling author and Tony Martin, Personal finance commentator, national columnist, and co-author of "Investing for Dummies". [in the U.S. the title is the same without the reference to Canadians]
"The ABC's of Making Money" by Dr. Denis L. Cauvier and Alan Lysaght. Dr. Denis Cauvier is a speaker-trainer-consultant, who has made a career out of helping his clients become financially successful, a former personal and corporate lender, accredited personal financial advisor with two of North America's largest banks. Alan Lysaght is a Strategic Planning and financial consultant-trainer specializing in low-cost, high-impact 'turnaround' management solutions for businesses and private individuals, as well as a writer-researcher with degrees in Psychology, Sociology and English Literature. In his spare time, he is an award-winning Documentary Producer.

WILLS

http://www.homelegalcost.com/wills.asp

http://www.legalwills.ca/?ref=gaw_caw_on - At this site you can draw up a will from $34.95. If you want them to store it for you as well, that costs extra. But still a very reasonable cost for an uncomplicated will. They of course, offer advanced services at "advanced prices"!

It is worthwhile to read the following information taken from the site as a warning about "Legal Will Kits". Remember that ALL the information below was taken from their site.

"Is it a legal will? When a document claims to be a legal will you have to understand what that means. If I type on a piece of paper This is the Last Will and Testament of me, John Doe, of Toronto, Ontario. I leave my entire estate to my son James Doe. Then, if I sign the document in front of two witnesses, and date it then I have a legal will. That is how a vendor can get away with calling their product a "legal will kit". Here is another example of a popular will kit, which once again leaves the consumer with the daunting task of trying to figure out how to fill in the blanks."
"You must plan for the unexpected. As lawyers tend to point out, what is missing in these simple will kits is a description of what can go wrong. What happens if John Doe has two children? Or a wife? What will happen if James Doe dies before John Doe? Contrary to popular belief, you are not necessarily free to leave your estate to whoever you please. So a blank piece of paper may be called a legal will kit but the completed document may have no standing in a court of law."
"You need to know what to think about. Some marginally better kits, such as the one pictured above, take account of the "residue clause" in a will (i.e. making an alternate plan in case one of the beneficiaries cannot receive a gift), but this sample is still riddled with problems. Leaving blank spaces for the description of estate distribution could easily result in these common pitfalls:

"You need to know what to think about. Some marginally better kits, such as the one pictured above, take account of the "residue clause" in a will (i.e. making an alternate plan in case one of the beneficiaries cannot receive a gift), but this sample is still riddled with problems. Leaving blank spaces for the description of estate distribution could easily result in these common pitfalls:

What happens if you have any dependents currently in your care? If you provide for them today and they have an established relationship with you, then they may have a claim on your estate (depending on Provincial laws)

What if you have any debts that you owe or have anything owed to you?

What if you want to make a more detailed provision for each of your beneficiaries not being able to receive a particular part of your property. For example, if one beneficiary does not survive you, you may want to name an alternate beneficiary.

What will happen if your spouse or dependents or any of your other beneficiaries are killed in the same accident?

What if you are not absolutely explicit in your wording? Terms like divide my estate equally between my cousins and my friend Bill have at least five different interpretations.

Our Will creation service has been designed to handle all of these issues. Using an informative and comprehensive system such as the one we provide here makes more sense. It is not perfect for every situation, and you can check our Frequently Asked Questions to determine if our service is suitable for you. If it is, then you will benefit from stepping through a series of questions ranging from your family status, your wishes for estate distribution, setting up alternate plans, specifying guardianships and trusts, and setting up charitable donations. We will then build your responses into a legal Will customized for your local jurisdiction and based on templates created from legal reference books (the type that are found on the bookshelves of every estate planning lawyer)."

"We offer several other advantages. We have taken the ability for consumers to write their own legal Will to a whole new level. There are several additional features provided by our service that a do-it-yourself will kit cannot even begin to address. These include:

You can make use of the ultimate convenience of the Internet to create your Will at your own pace, online, 24 hours a day, 365 days a year, and to make changes online at any time free of charge. (Why pay a lawyer every time you need to update your Will?)

Our pay-one-price membership model protects your investment for the rest of your life. There is no need to purchase a do-it-yourself legal will kit in the first place, nor do you need to purchase an upgraded version every year.

If you wish, we can inform you by email about any changes in legislation which may have occurred in your jurisdiction that may require changes to your Will. Or we can send you simple email reminders, no more than once a year, to remind you to consider updating your Will if any significant changes have occurred in your life.

Our wizards, help and information are designed to be the best on the market and are kept up-to-date on an ongoing basis.

We provide you with complete instructions and answer your questions in everyday language, free of legal industry jargon. We have developed this service based on the requirements of the public, not dictated by the legal profession.

The Keyholder ® Advantage. You can take advantage of our unique messaging service which allows you to describe the exact location of your Will and to provide a detailed list of assets for your Executor. All for no extra charge. When you pass away, let us worry about communicating this information to the people you specify. There is simply no other company that provides such a complete and convenient service to their customers. For more information, read about The Keyholder ® Advantage.

We have a strong focus on protecting the privacy and security of your information. We use industry standard encryption algorithms for storing all of your private information, and the design of our services ensures that the contents of your Will are made available to the specific people designated by yourself, and only at the appropriate time.

If you wish, you can even have your final document checked over for consistency and completeness by one of our lawyers."

University of Toronto Law Library gives a list of places to go to get legal help of various forms.

http://www.law-lib.utoronto.ca/Resguide/finding.htm
Self-Counsel Press Publications

Self-Counsel Press publishes various paperback books on a variety of legal topics. These books generally cost $15 or less, are written in plain English by lawyers, and can be found in most bookstores or ordered through the company's website at the address above. Alternatively, you may find that your local library carries several titles from this publisher. In many cases, the information in these books will answer your legal questions, and even if they do not and you are required to hire a lawyer, you will be better informed about your rights and will likely save on legal fees. Sample law-related titles from this publisher include the following (prices are approximate; always make sure you are reading the most current edition):

Divorce Guide for Ontario: Step-by-Step Guide for Obtaining Your Own Divorce , by Sandra Meyrick (15th ed.) $14.95

Employee/Employer Rights: A Guide for the Ontario Work Force, by Ernest Rovet (11th ed.) $8.95
Fight that Ticket in Ontario, by Allen E. Scott (6th ed.) $9.95
Incorporation and Business Guide for Ontario: How to Form your Own Corporation, by M. Stephen Georgas (16th ed.) $14.95
Landlord/Tenant Rights in Ontario, by Ron McInnes (11th ed.) $9.95
Probate Guide for Ontario: Step-by-Step Guide to Probating an Estate, by David I. Botnick (10th ed.) $13.95
Small Claims Court Guide for Ontario: What You Really Need to Know, by Jennifer Young (7th ed.) $10.95
Wills for Ontario: How to Make Your Own Will, by David I. Botnick (15th ed.) $8.95

Federal Publications Inc. [a private company] claims "We're your Best Source for Canadian Government Publications, Maps and Charts. - Here is a list of their services:

          o Budget 2008
          o Building Codes
          o Canada Labour Code
          o Canada Year Book
          o The Canadian Weather Trivia Calendar
          o Criminal Code
          o Customs Tariff
          o Divorce
          o Government of Canada Telephone Directory: Ottawa-Gatineau
          o Immigration Act
          o Income Tax Act
          o Language Training
          o National Occupational Classification 2006 (NOC)
          o Nautical Charts
          o Ontario Probate Kit
          o Wills and Estate Planning
          o F.A.Q.

This is their statement:

    * "Formed in 1985, Federal Publications Inc. is the largest agent for Canadian Government Publishing, and is the only specialist supplier of Canadian federal government publications, maps and charts.
      From our offices located in Toronto and Montreal, we serve customers across Canada and around the world. We spend all day, every day, providing government publications to our customers and dealing with government on their behalf - we know who to talk to and how to get things done"