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Canadian Securities Law and Regulation

February 20, 2015 | Christina | Comments (0) Facebook Twitter More...


Money Matters



The Toronto Public Library has titles related to Canadian securities law and regulation.

What's Next for Canada

What's Next for Canada?  Securities Regulation after the Reference, edited by Anita Anand, discusses the future of Canadian security markets and the regulatory framework within which they operate.  For years, the merits of and necessity for a national securities regulator in Canada has been debated.  Seventeen leading academics and practitioners analyze the Supreme Court of Canada's decision, in the Reference Re: Securities Act, examine its implications for both constitutional and administrative law in Canada, and raise important questions about the future of security regulation in Canada.   



The Canadian Securities Law Reporter, published by CCH Canadian, covers all aspects of securities law in all provinces.  The product includes all relevant securities instruments and other documents from securities commissions, recent case law, commentary, statutes, and regulations from across Canada.  

Securities Litigation and Enforcement

Securities Litigation and Enforcement, 2nd Edition, by Joseph Groia and Pamela Hardie, explains practical litigation features and lays bare the complex web of legislation, policy statements and cases, in a revealing introduction to all significant types of Canadian securities litigation. 
“Reproduced by permission of Carswell, a division of Thomson Reuters Canada Limited.”




Here are more titles about Canadian Securities.

Keep calm and do your taxes

February 14, 2015 | Raya | Comments (0) Facebook Twitter More...

Keep calm and do your taxes

(image courtesy of

Tax season is quickly approaching and so is that inevitable sense of dread we always feel at this time of year. But by being organized and doing a bit of research ahead of time you can make the filing process a breeze. Here are a few steps you can take that will keep you calm:

1. As your T4 and other slips start arriving in the mail place them in a separate folder or envelope.

2. Gather your receipts big or small and add them to the same folder. Think about any charitable contributions you made this past year, business expenses you may have incurred, art and fitness programs your children may have attended. These can add up to big savings.

3. There is nothing worse than having to redo your income tax form. You can avoid this by identifying all your income sources, such as employers, banks, mutual funds, etc. This way you won't have a stray form arrive right after you've entered all your information.

4. Consider making an RRSP contribution for 2014. The deadline for making contributions is March 2, 2015. To calculate if you still have contribution room left, check out the Canada Revenue Agency (CRA).

5. Figure out how you are going to do your taxes. If you are planning on filing your return online for the first time this year the CRA provides step-by-step information on how to do so and has a list of free software you can use to file your returns.

6. Did you get married or divorced this past year? Did you have a child? These kinds of changes will affect your taxes. Do some research and be prepared ahead of time.

7. Do you need help preparing your income tax return? Check out the free Income Tax Clinics being held at various branches of the Toronto Public Library.

To help you prepare for tax season, take a look at these books:

Jacks on tax: your do-it-yourself guide to filing taxes online Evelyn Jacks' essential tax facts: secrets and strategies for take-charge people 101 tax secrets for Canadians: smart strategies that can save you thousands 78 tax tips for Canadians for dummies

101 tax secrets for Canadians: smart strategies that can save you thousands Preparing your income tax returns Canadians resident abroad 2014 Tax Planning for You and Your Family 2014



Small Business Network: Come meet CEO and Visionary behind Orchard

February 2, 2015 | Thanusa | Comments (0) Facebook Twitter More...

I hope everyone had an amazing start into the New Year!

North York Central Library's Small Business Network series is back and we sure are excited about the amazing speakers we have lined-up for you this year.

(image courtesy of jairoagua posted on on July 5, 2006. This file is licensed under the Creative Commons Attribution-Share Alike 2.0 Generic license)

If you haven't attended one of our networking sessions, come and join us this month! It's an on-going network event for small business owners or people who are thinking about starting their own business. We invite successful entrepreneurs to share their stories and provide their expertise. There is opportunity to network with others in the group and exchange business cards! Plus, it's free!

Bruno WongOn Wednesday, February 18th, come and meet Bruno Wong, owner of Orchard, a Toronto-based startup focused on changing the way Canadian buy and sell used computer technology.

As a self-taught designer, and entrepreneur, Bruno will share the insights he has gained after taking a business from idea to $250,000 in transactions over a 10-month period.

The session will be held in the Large Study room in the Teen Zone from 6:30pm to 7:30pm.

                                       Please register online!  

 Check out a few of our latest books on Business Start-Ups:

Invent Reinvent Thrive  Start Your Own E-Business Business Start Up in the Digital Age  From Passion to Profit      

Personal Finance: Your Money Matters @ TPL

January 26, 2015 | Christina | Comments (0) Facebook Twitter More...

Money Matters 2
It's that time of year again when the Toronto Public Library focuses on Personal Finance programs.  If you are looking for information on money matters, check out the various programs being offered this year throughout the Toronto Public Library system. 

Personal Finance programs being offered are:

  • Accidental Inheritance:  It's Not About the Money with legal experts Cynthia Woods at Bloor/Gladstone and Edward Olkovich at Richview
  • Ask an Expert:  Estate Planning - Death Can Be Very Taxing - Hosted by Chartered Professional Accountants of Canada (CPAC)
  • Ask an Expert: Identity Theft Protection - Presentation by the Chartered Professional Accountants of Canada
  • Ask an Expert:  Planning for Retirement - The Largest Bill You'll Ever Face - Presented by a member of the Chartered Professional Accountants of Canada
  • Boosting Investment Returns by Being Tax Smart with Ted Retchshaffen, CEO of TriDelta Financial Partners
  • Building Permits 101 with designer Gabriele Guiducci
  • Condo Buyers Seminar
  • Creating Safe Income from Downsizing Your House
  • Effective Tax Strategies - Presented by David Duong from Chartered Professional Accountants Canada
  • Factors that Determine Your Investment Portfolio with Mark Yestrau at Successful Investor Wealth Management Inc.
  • Financial Freedom at 50 with Julia Cazzin, editor from MoneySense magazine
  • Financial Literary 101 for Youth with Michael Goldberg, winner of the 2011 Outstanding Educator in Financial Literacy Award and a Business & Computer Studies teacher at Martingrove Collegiate Institute
  • Financial Matters for New Canadians - Presented by CPA Canada
  • First Time Home Buyers Beware
  • How to File a Tax Return (and do it right the first time) with Jamie Golombek, Tax & Estate Planning, CIBC
  • How to Navigate the Toronto Real Estate Market with Heather Holmes, broker, Re/Max Hallmark Realty Ltd. and Matthew McKillen, Mortgage Architects
  • Income Tax Clinics provided by certified general accountants, using software supplied by Canada Revenue Agency.  Check program description for eligibility.
  • Insurance:  A Consumer's Guide with Ellen Roseman, personal finance and consumer columnist at the Toronto Star
  • Investment Research Online - Learn to use investment databases Financial Post Advisor and Value Line Research Center
  • Knowledge:  The True Path to Financial Freedom with M.D. Henderson, a retired University of Toronto professor
  • Look Before You Leap:  An Introduction to Consumer and Debtor Rights with lawyer Victor Kasowski
  • Low-Income Energy Assistance Program (LEAP)
  • Lower Your Taxes Today! with a financial advisor from Investors Group
  • Maximize Your Retirement Income
  • Meet Consumer Advocate Ellen Roseman, Toronto Star columnist and Moneyville blogger
  • Money 201:  Planning and Investing
  • Personal Finances for Older Women with Bernardine Perreira, financial advisor
  • Pound Foolish:  Exposing the Dark Side of the Personal Finance Industry with Helaine Olen, contributing editor of Pacific Standard
  • Power of Index Investing with Dan Bartolotti, award-winning journalist and investment advisor
  • Real Estate:  Avoid Mistakes with Mark Weisleder, real estate lawyer, author and columnist
  • Real Estate 101 - Buying, Selling, Leasing and Investing with Claude Boiron, real estate broker, investor, developer, author and University of Toronto instructor
  • RRSPs and Your 2014 Income Tax Return
  • Save on Energy Home Assistance Program
  • Tax Efficient Investing for Life - Presented by Investors Group
  • Ten Healthy Habits of Financial Management - Presented by Daisy Fang from Chartered Professional Accountants Canada
  • Upcoming Regulatory Reforms and How They Affect Investors with John DeGoey of Burgeonvest Bick Securities Ltd.
  • Using Technical Analysis to Invest in the Stock Market with Brooke Thackray, research analyst at Horizon ETFs (Canada) Inc.
  • What is Old Age Security and GIS?
  • When I Die:  Financial Planning for Life and Death with Garry Duncan, retired senior tax partner at BDO Dunwoody LLP
  • Women and Money
  • You Can't Take It With You! with Sandra Foster, author of You Can't Take It With You:  The Common Sense Guide to Estate Planning for Canadians

Be sure to pick up a Personal Finance booklet by the Toronto Public Library at your local branch or visit the Personal Finance Program Series web page at the Toronto Public Library web site for details on each program.

Credit Canada

You may also want to visit Credit; a non-profit charity providing free credit counselling and debt help since 1966.  Their website has personal finance information on many topics such as credit counselling, debt management, money management, and news.  There is also a link to a Credit Card Debt Calculator

In February 2015, Credit will have daily tips as part of a "financial boot camp".


Easy financial resolutions for the new year

January 19, 2015 | Raya | Comments (0) Facebook Twitter More...

  Financial resolutions

(photo courtesy of

Fidelity Investment's sixth annual New Year Financial Resolutions Study found that only 31% of people considered making a financial resolution this year, compared with 43% a year ago. Among those considering financial resolutions, three resolutions remained consistent: save more, pay off debt and spend less. The survey also revealed that 42% found it easier to stick to a financial resolution than to other resolutions, like giving up smoking.

In a recent Toronto Star article Gordon Pape, well-known Canadian author, editor, and publisher of the Internet Wealth Builder (IWB), The Income Investor, and Mutual Funds Update, suggests four very simple, no-cost steps that will make it easy to keep your financial resolutions.

Create a budget:

Use free online budgeting tools, such as the one provided at the Financial Consumer Agency website, to keep track of your expenditures. Enter your information into the spreadsheets and see where your money goes. Try to adjust to your spending habits and watch your saving grow.

Review your RRSP:

Keep track of how your RRSP is doing. If it didn't gain at least five to six per cent last year, Pape recommends making some changes. Move from underperforming securities to those with a better return.

Review your TFSA:

TFSAs can be invested in a wide range of eligible securities, not just GICs or high interest savings accounts. As of Jan. 1 you can add an additional $5,500 to your TFSA. By doing just a bit of research on what kinds of investments you can make you will see your money grow faster, with the added satisfaction of knowing those gains will be protected from Revenue Canada.

Get to know your pension plan:

If you have a defined contribution pension plan you should become familiar with the funds in which you are invested. This kind of plan is generally directed by employees from a selection of investment options available within the plan and puts all of the investment risk on the employee. According to Pape, it is worth the time to study all the options available to you and to put them together in a well-balanced portfolio.

The Toronto Public Library has numerous books and ebooks, DVDs, and financial newsletters that can help you get started on achieving your New Year's financial resolutions:

Debt-Proof Living The Money Compass Investing My Way Grow your money

Frugal isn't cheap Get out of debt! The Smart Canadian's Guide to Saving Money Your Money Milestones

2014 Business News Mini Quiz

January 5, 2015 | Christina | Comments (0) Facebook Twitter More...

Another year has come and gone. Can you remember the major business stories of 2014? 

Philip Jackman's Year in Review Quiz 2014 (PDF)  published in The Globe and Mail on Thursday, January 1st, 2015 included business highlights such as:

1.  In its biggest acquisition so far, Facebook announced it was paying $19 billion (U.S) for which company?

2.  Which famous advertising mascot received a makeover, making him slimmer and more dynamic?

3.  The Canada Revenue Agency's website was taken offline for nearly a week in response to an Internet security bug.  Name it.

4.  Who contributed $3 billion to Burger King's takeover of Tim Hortons?

5.  Google executive Alan Eustace made headlines by doing what?

To test your knowledge about other 2014 news stories, visit the complete Year in Review Quiz 2014 (PDF).

For additional information about some of the persons or companies mentioned in the 2014 Business News Mini Quiz, check out the following titles at the Toronto Public Library: 

The Facebook Effect     How Google Works    Essays of Warren Buffett
The Facebook Effect How Google Works Essays of Warren Buffett

If you would like to take an indepth test of your 2014 business news knowledge, try The Star's 2014 Year-End Business Quiz.  It consists of 50 questions!

Happy New Year to All

Answers to the 2014 Business News Mini Quiz:

1.  WhatsApp
2.  The Maytag Repairman
3.  Heartbleed
4.  Warren Buffett
5.  Skydiving from the edge of space

Best Business Books of 2014

December 29, 2014 | Raya | Comments (0) Facebook Twitter More...

Are you interested in starting your own business? Do you want to improve how you run your business? Do you want to know how Pixar has been able to dominate the world of animation? Or are you looking to get better returns on your investments? You can find the answers to all of these questions and more in the following books selected from lists of the Best Business Books of 2014 published by Forbes.comthe New York Times, and the Globe and Mail. Check them out at the Toronto Public Library.

How We Got to Now The Gen Z Effect The Innovators Money Master the Game

How Google Works

  The Hard Thing About Hard Things Lean In Creativity, Inc.

    House of Debt  Capital in the Twenty-First Century How to be a Power Connector The Art of Doing Twice the Work in Half the Time

Tax On Your Mind? I'm Talking about Business Tax!

December 22, 2014 | Thanusa | Comments (0) Facebook Twitter More...

(image courtesy of Steven Depolo posted on on July 15, 2014. This file is licensed under the Creative Commons Attribution-Share Alike 2.0 Generic license)

It will be that time of season again, when we start thinking about preparing our personal income tax. For those aspiring entrepreneurs with the new year's resolution of starting up a business or for those that already have an existing business, you might want to focus on business tax return preparation.

You probably have commonly asked questions that you need answers to such as, What can I claim or write off as expenses to my business?, Should I apply for GHT account?, or Which form should I use to file my small business return?

Come with your questions and join us on January 15th at North York Central Library for the Business Tax 101: Vital Tax Strategies for all Business Owners- New and Seasoned program.

Dale Barrett
Dale Barrett
, Tax Lawyer at Barrett Tax Law and bestselling author of "Tax Survival for Canadians: Stand up to the CRA", will teach you how to keep the business profits in your pocket and not in the government's.

Topics include: corporations and other business structures, HST and other tax compliance, capital gain verses business income, owner and employee compensation structures, recordkeeping and audit preparedness, and much more.


Click Here to Register for the Free Program





Debt and Credit Cards

December 15, 2014 | Christina | Comments (0) Facebook Twitter More...

The average debt held by Canadians is $20,891, according to The Canadian Press article Equifax debt report says Canadians now owe $1.5 trillion. Equifax also states "the increase in consumer demand for new credit has been driven mainly by credit card and auto credit inquiries."

Before applying for new credit, you may be interested in visiting the Canadian Bankers Association website. They have consumer information on Understanding Credit; i.e. how a credit card transaction works, credit card products, budgeting, and avoiding money mishaps. The site also provides statistics and facts regarding credit cards.

The Financial Consumer Agency of Canada has a web page dedicated to credit cards. Credit cards interactive tools such as Credit Card Selector Tool and Credit Card Payment Calculator are provided.

Another website of possible interest is GreedyRates.  This site ranks "the best credit cards for you based on your spending habits." The site helps you find and compare the best low rate credit cards. In addition, you are able to compare credit card programs; i.e. rewards, points, and cash back offers.

For additional information on credit cards, check out the following items at the Toronto Public Library:

Personal Finance for Canadians for Dummies How You Can Profit from Credit Cards       Understanding Credit Basics
Personal Finance for Canadians for Dummies (Book) How You Can Profit from Credit Cards (eBook) Understanding Credit Basics (DVD)


6 tips to avoid holiday debt

December 8, 2014 | Raya | Comments (0) Facebook Twitter More...



Gift Box
image courtesy of

This can be a pricey time of year but by planning ahead you can avoid a financial hangover come the new year. Author and financial expert Gail Vaz-Oxlade has come up with a few financial tips that will take the stress out of shopping and help you stay within your budget during the holiday season.

1. Make a plan. Don't leave shopping to the last minute and avoid using your credit card to purchase everything before actually starting your holiday shopping. Pay off any outstanding balances on your cards beforehand. Vaz-Oxlade suggests saving ahead of time by putting away a certain amount of money each month. Another way to really stay within your budget is to use an envelope for each category (food, gifts, wrapping paper) and write your list on the front and put the cash inside. In addition, she recommends making a list of people for whom you plan to shop and to consider setting a dollar limit on gifts.

2. Buy ahead of time. This tactic will help you avoid jam-packed malls and line-ups. Since we know that we have to buy presents anyways, Vaz-Oxlade recommends that if you see something on sale in August buy it and put it away. Sales happen all the time and if you wait long enough the perfect gift for that hard-to-buy for person will usually go on sale. If you have a hard time staying on budget, Vaz-Oxlade suggests shopping with cash.

3. Use coupons to shop around for the best deal. Check out sites like,, or for deals. Try discount malls and liquidations centres for huge discounts on new items.

4. Don't buy presents for yourself. Avoid the temptation to shop for yourself while shopping for everyone else. This will help you save money, and when the bill comes in it won't be higher than it should have been.

5. Try regifting.  Vaz-Oxlade condones regifting if it is something the person would really like. It can be something you received as a gift but can't really use. Canadian Living Magazine has some helpful tips on how to tactfully regift.

6. Give personalized gifts. If you know a new mother who could really use an evening out with her husband, offer to babysit or perhaps cook dinner for someone who works long hours. Vaz-Oxlade suggests clipping a picture of your "service" stating clearly  how often you will perform this service or try making your own coupon book. These kinds of gifts only require your time and attention and are sometimes more special than a purchased gift.

Check out these books for more helpful hints on how to save money, avoid debt and stay on budget:

Money Rules Fight for your Money How not to move back in with your parents Thrifty

Debt-free forever The Everything Budgeting Book The Cheapskate Next Door Clar Howard's Living Large in Lean Times

Welcome! We are specialized librarians in our business department and we write about current issues for small business owners and those interested in personal finance matters. For more information and resources see our Small Business & Personal Finance page.