Mortgage insurance is meant to offer peace of mind. Most people pay the premiums and think they’re covered. But some have discovered – when it’s too late – that they aren’t.

Financial Services Commission of Ontario
A regulatory agency of the Ministry of Finance that regulates insurance, pension plans, loan and trust companies, credit unions, caisses populaires, mortgage brokering, and co-operative corporations in Ontario.

The Ontario Securities Commission
The Ontario Securities Commission administers and enforces securities legislation in the Province of Ontario.

The Canada Revenue Agency
The Canada Revenue Agency administers tax laws for the Government of Canada and for most provinces and territories; and various social and economic benefit and incentive programs delivered through the tax system.

Service Canada
Provides Canadians with one-stop, personalized access to Government of Canada services and benefits.

Canada Pension Plan (CPP)
Links to information on the CPP including general, benefit, and payment information as well as fact sheets.

Old Age Security Program (OAS)
OAS general, benefit, and payment information as well as links to OAS fact sheets.

Canadian Education Savings Grant
This grant, from the Government of Canada, can help you start saving for your child’s education after high school. Your child can use the money for full-time or part-time studies in an apprenticeship program, CEGEP, trade school, college, or university.

The Social Insurance Number (SIN)
The Social Insurance Number (SIN) is a nine-digit number that you need to work in Canada or to have access to government programs and benefits.

Tax-Free Savings Account (TFSA)
Canadians can use the TFSA to start saving early for a range of needs they may have in the future. Many Canadians may prefer to use a TFSA to save for pre-retirement needs given the absence of tax consequences on withdrawals and the ability to avoid the use of Registered Retirement Savings Plan (RRSP) room for non-retirement savings needs.

• The Kingston Whig-Standard
• Brockville Recorder & Times
• The Pembroke Daily Observer
• The Globe & Mail
• The National Post
• The Financial Post
• The New York Times
• The Wall Street Journal