1. Becky Hanna and Jennifer Paddick How to Manage your Financial Situation

2. Products and Tools for Students  Free student bank accounts  up to 25 transactions.  Student Visa Cards  No fee  Helps develops a credit bureau file  Great for emergencies  Student Lines of Credit  Preferred repayments (lower monthly payment)  Low interest rates  Products for some graduate degrees ie. MBA, law, veterinary

3. TD Canada Trust  Financial Planning Tools  www.tdcanadatrust.com….. “planning” “planning tools” www.tdcanadatrust  Student budget planner - (living expenses)  Debt management calculator - (snapshot of your debt)  Pre-authorized payment calculator - (projects savings plans)  Cash Flow calculator - (budget)  Net Worth calculator - (measure your progress…use this tool every 6 months to ensure your net worth is increasing

4. TD Canada Trust  Investment Options  Savings accounts / automatic savings plans  Large portfolio of mutual fund options  Wide range of Guaranteed Investment Certificates (GIC)  Both of these encompass long and short term investment  Financial Planning Advice  Debt Strategies  Saving Strategies

5. Dealing with Student Loans 2 Basic Goals 1) Cash Flow  Keep your monthly payments manageable  Important when in a transitional time of life 2) Paying down the debt  Reducing your debt once your income is stable

6. How To Manage Student Credit  OSAP  Understand interest relief and repayment options  KNOW THE DEADLINES AND QUALIFIERS Student Lines of credit  Lower monthly payment compared to regular lines  your credit limit will reduce at year end…consolidate!

7. Protect your Credit Rating Only pay your minimum payment Save your extra money in a savings account to create a nest egg to help you with future payments **We can help you save**

8. Starting Early Grows Your Investments Investor “A” - Saves $40 / per week starting at age 25 AND ENDING at age 32 Investor “B” – Saves $40 / per week at age 32 UNTIL age 55

9. Your Contributions Investor “A” : Total amount invested from your own money $14000 Investor “B” : Total amount invested from your own money $66000