 
Everything you always wanted to know about MONEY and
were afraid to ask.
Make it your business to know how to do it right!
At Lambton Financial we have
a team of experts who weren’t
always so smart about everything they did, but after a few
mistakes, after asking the right questions and asking the
right people, we put all our heads together so that we can
help you get the information you need to make your money
work for you.
Some of our “oh so interesting” stuff
- Keys to a Car
- How to Buy: dealer purchase, private sale
- How to Price: comparison shopping, Black/Red Book, dealer
negotiation
- How to Finance: lease
vs. buy, loan processes, how long does it take, what
about “0%” financing
- What about the other stuff: insurance, maintenance, gas
- Saving and Investing
- Why Save
- How to Save
- Some Product Descriptions: Premium Savings, GICs, Terms,
RRSPs
- Mutual Funds *: description of Mutual Funds * and Stocks
- Maybe your
group is interested in an Investment Club
- Loans and Credit Cards
- Loan Product Descriptions: Term loans, mortgages, lines
of credit, overdrafts
- When to borrow and benefits of short term amortizations
- Credit Cards: teaser
rates, stick with one card, pay in full each month,
pay on time, don’t exceed limit
and emphasize good housekeeping to include: don’t
lend card, report lost and stolen cards immediately,
review all of your statements carefully
- ATM/Debit Cards
- Good housekeeping
rules, Interac® security points, review statements,
don’t lend card or PIN
- Record purchases to monitor spending habits (wants or
needs)
- Student Loans for Post Secondary
- What will it cost me for: community college,
university, residence costs, apprenticeships, books, other
supplies/tools
- How will I pay for it: loans, work, parents,
bursaries, scholarships or combination of all
- Loans: what is available, how do I apply, where do I
go for information, how long will it take to pay back
- Other Good Stuff
- Everyday Banking:
what’s available
at Lambton, comparative fees, electronic services, how
to use the freebies, what are the right questions to
ask when opening an account
- Taxes: what is tax exempt and what is taxable
- Insurance: deposit insurance protection, loan life and
disability insurance
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