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Public Pensions and Our Canadian Economy

June 11, 2014 | Charlene | Comments (0)

For many of us, pensions and retirement are often difficult ideas to grasp let alone plan.   Also troubling, is the fact that retirement security may not be feasible for the generations to come.  Stir in the mix government cutbacks, balanced budgets and public pensions and then you begin to see our retirement benefits slowly disappearing.  And when you throw in buzz words like "OAS" and "CPP" and the "doom and gloom" of our pension system forecasted by political and financial pundits, the water can become murky very quickly.

To understand more about public pensions, why don't you consider attending one of our programs at North York Central Library? The Business Department has an upcoming free program in the Boomers and Beyond series entitled Are Pensions a Thing of the Past?  York University Professor Emeritus, Robert J. Drummond will speak about public pensions such as OAS and CPP and the means to enhance productivity and Canada's economic well-being.  Professor Drummond has written extensively on Canadian public policy and some of his research has included pensions and retirement. 

If you can't make this program or you would like to read about planning for your retirement, here are a few books to help you get started. 

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Program:  Are Pensions a Thing of the Past?

When:      Tuesday, June 24, 2014

Time:       6:30 - 8:00 pm

Where:     North York Central Library - Auditorium

For more information, call the Business Dept. at 416-395-5613.

You can now register for this program online by clicking on the link below:


Boomers and Beyond: Programs for retirement planning

May 28, 2014 | Ashley | Comments (0)


Did you know that June is Senior's month? To celebrate the library has a wide assortment of great programs, workshops, computer classes and of course books for Seniors. Now, you may be thinking about retirement even if you aren't a Senior and that is great, the earlier you start planning the better. That is why we invite people of all ages to come to our Senior's month programs, hence our series title "Boomers and Beyond".

The Business Department at North York Central Library has 3 great programs planned for all you boomers, seniors, young people - everyone:

RRSPs: the Ultimate Wealth Builder

GordonpapeFor most Canadians, an RRSP is the only personal pension plan they will ever have. As employer-sponsored plans become increasingly rare outside the public sector, we must rely on our own savings and money management skills to ensure a comfortable lifestyle after retirement. 

Come hear best-selling financial author Gordon Pape provide the secrets to building a winning RRSP - everything from setting up the right kind of plan at the outset, to proven strategies that will enable you to grow your RRSP over time to a value of several hundred thousand dollars.

Tuesday, June 17, 2014. 6:30 - 8:00pm. Auditorium


Top 10 Financial Tips for Transitioning into Retirement



Common wisdom says retirees can live on a lot less money than when they were in their working years. But how true is that assumption? In this presentation, Robert Walker will outline the questions retirees (and soon-to-be-retirees) should ask themselves to make sure their retirements are as comfortable as possible without making the money run out.

 Thursday, June 19, 2014. 6:30 - 8:00pm. Auditorium



Are Pensions a Thing of the Past?




Is there any hope for retirement security for the generations that follow the baby boomers? Come hear University Professor Emeritus, Robert J. Drummond speak about the answer that lies in public pensions (like OAS and CPP) and in measures to improve the productivity and health of the Canadian economy.


 Tuesday, June 24, 2014. 6:30 - 8:00pm. Auditorium


If you can't make it to the events, maybe you can borrow some of these books on retirement planning:

Retirement1            RRSPs ultimate wealth builder                 Thumb-moolala-rrsp

Other libraries across Toronto are celebrating Senior's month too. There are Internet Safety for Seniors computer classes happening led by library staff to help boomers and seniors be safe online. Topics include being aware of online hoaxes, preventing identity theft and keeping personal information secure when shopping online. Registration may be required, so it is best to contact the branch:

Maria A. Shchuka - Monday, June 16, 2014. 7:00 - 8:30pm. Learning Centre

Agincourt - Wednesday, June 18, 2014. 2:00 - 3:30pm. Learning Centre

Richview - Wednesday, June 25, 2014. 2:00 - 4:00pm. Learning Centre

North York Central Library - Thursday, June 26, 2014. 2pm. Learning Centre

Albert Cambell District Library - Thursday, June 26, 2014. 1:30 - 3:30pm. Learning Centre

Toronto Reference Library - Friday, June 27, 2014. 10am. Learning Centre




To kick off Senior's month the,The  Toronto Senior's Forum invites people to celebrate on Tuesday, June 3 from 11:00am - 2:00pm at Toronto City Hall, Nathan Phillips Square.The Toronto Seniors’ Forum is composed of up to 30 people, who are at least 60 years of age and residents of the City of Toronto, with particular attention to seniors whose voices have been less often heard or unheard.

The City of Toronto delivers more than 40 services for seniors,for more information visit 






 Have a safe and happy Senior's Month everyone!

Keep your New Year's Resolution and Rock your Finances this 2014! You could win a free book!

January 22, 2014 | Ashley | Comments (0)

Here we are again, it is the beginning of the year and I'm sure we are all filled with resolutions. One of the most common ones is to manage our money better, especially after spending over the holidays. New Year's resolutions seem to go by the wayside quite shortly after the new year. 

Next Tuesday, January 28, 2014 from 6:30 - 8:00pm Bruce Sellery will present the program The Moolala Guide to Rockin' Your RRSPs  

In this fun and engaging talk, Bruce Sellery, columnist and author, will bring you "The Moolala Guide to Rockin' Your RRSP". He'll make retirement savings relevant to you, help you to develop a simple plan to rock your RRSP immediately and leave you inspired to get up and take action. 


Moolala RRSPs



The book Moolala Guide to Rockin' your RRSP: Start Rockin' in 5 Easy Steps was just released early January 2014. Actually, the Business Department just received its copy last week. Bruce Sellery has generously offered to give a copy of the book to the first 50 people to attend

Take a look at Bruce Sellery's five week financial challenge:



Go ahead, take the challenge, you've got nothing to lose - especially not your money!

At Toronto Public Library we have a lot of Finance Programs and workshops coming up which will help you maximize your income at all stages of life from student loans to living on your RRSPS. So why not start the year by being mindful of your financial goals, putting your plans into action and attending some free finance workshops?

Some of the finance programs coming up at North York Central Library are:

Identity Theft Protection

IdentitytheftPlease join us for an informative session to better understand fraud and learn how to protect yourself from being victims of fraud. Program is brought to you by Chartered Professional Accountants of Canada.

Thursday, January 23, 2014 | 6:30 p.m. - 7:30 p.m. | Auditorium 


Real Estate 101: Everything from buying, selling, leasing and investing


Real Estate Broker, Investor, Developer, Author of two books, and University of Toronto Instructor Claude Boiron will give an overview of Real Estate ownership, buying, selling, leasing, financing, and answer all questions. This program is free. 

Thursday, February 20, 2014 | 6:30 p.m. - 8:00 p.m. | Auditorium 



Tax Tips for 2013-2014


78 tax tips

Brian Quinlan, chartered accountant and co-author of 78 Tax Tips for Canadians for Dummies, will discuss "what's new in tax." Learn how you can minimize your 2013 taxes as well as plan for your 2014 taxes.

Monday, February 24, 2014 | 6:30 p.m. - 8:00 p.m. | Auditorium 


You can call the Business Department at 416-395-5613 to register or you can always just drop in if space is available - we hope to see you there!

Happy Financial Literacy Month! Are you a good financial role model?

November 13, 2013 | Ashley | Comments (2)

Finace Role Model

Did you know that November is officially Financial Literacy Month in Canada? You may not know because it is a fairly new initiative, this is Canada's 3rd annual Financial Literacy Month. The Financial Consumer Agency of Canada (FCAC) and the Financial Literacy Action Group (FLAG) (which is 7 non profit organizations), launched this event for the first time in November 2011.  Unfortunately, there is a need for this, Canada has one of the highest debt to income ratios (MoneySense), we are struggling financially. In November FLAG and FCAC have organized events all across Canada to educate Canadians about their finances. They have created a calendar of events (most of them are free), you should invest your time wisely and check some out!


According to the The Investor Education Fund (IEF) only 3 out of 10 Ontarians are aware of typical priorities and strategies for long-term saving and even fewer know how financial priorities change with age (IEF). The IEF's website provides unbiased programs and tools to help consumers make better financial and investing decisions. They delivered a program early this year at North York Central Library, where they shared the 8 universal truths about your money, the number one truth on the list:

1. Know your money personality. 
Everyone has a personality: unique attributes, values, goals, worries, tendencies, likes and dislikes that define their character. These traits also apply to your relationship with money – you have a “money personality.” Knowing your money personality can help you meet your financial goals. For example, if you know that you are a spender, you could make saving a habit by setting up an automatic deposit to your savings account every payday.

They have a lot of other great tools on their website including; a mortgage calculators, a wedding budget spreadsheet, student debt calculators, and a  lot more great resources and tips for people in all financial stages of life.



One of the purposes of this month is to help Canadians invest in their future and the future of their children. The Business Department has planned a program to celebrate Financial Literacy Month this November:

Are You a Good Financial Role Model for your Children?

Please join us at the North York Central Library  for an informative financial literacy session. Learn how to understand the goals and challenges of teaching children about money. This Program is brought to you by Chartered Professional Accountants of Canada. 

This program is being held in the auditorium at North York Central Library on Tuesday, November 19, 2013 from 6:30 - 8:00. You can either call 416-395-5613 to register, or just drop in - we'll let you in! 

Of course, you can always visit the North York Central Library's Business Department on the 4th floor and check out all of our personal finance, investment and economics books, DVDs, databases and newsletters. The staff at the reference desk are always happy to help you!

Here are some books to help you get started on teaching your kids about money:

                               MoneysmartkidsMoney savvy kids

                                Financially intelligent parent        Happy money

Thanks for reading, have a Happy Financial Literacy Month!


Mark your calendars. This October is full of awesome programs at North York Central Library!

September 30, 2013 | Ashley | Comments (0)


Craig Asano from the National Crowdfunding Association of Canada
Filmmaker and Successful Crowdfunding user James Cooper


This fall we've already had some great small business programs so far. October is officially Small Business month, but we've already had 3 small business programs here at North York Central Library this past September. The pictures above are from our first program Crowdfunding for Beginners where Craig Asano; Founder and Executive Director of National Crowdfunding Associaion of Canada  (NCFA) and  James Cooper; who used to raise over $26,000 for his film Elijah the Prophet, discussed what it takes to prepare and launch a successful crowdfunding campaign.

It's funny, someone was asking me about crowdfunding on the reference desk in the Business Department, they asked why we had a program on it if it isn't actually fully legal in Canada. Well, it actually is, the legislation has changed and there have been many successful crowdfunding stories across Canada. I learned a lot from the program we had with the NCFA, they've provided a lot of good information on their website. I wrote a blog with some crowdfunding examples and resources a couple weeks ago. We are planning to have more programs on Crowdfunding in the very near future, so not to worry if you missed it!


Fall for small business
Fall for Small Business display created by one of our Business Librarians

We have 3 more small business programs coming up and one personal finance program this week. 

Here are the small business programs happening at North York Central Library, they will all be held in our auditorium  (2nd floor, west side):

Doing Business with the Government of Canada/Tuesday, October 1, 2013. 6:30 - 8:00pm

The Government of Canada purchases approximately $20 billion worth of goods and services each year. Join us with John Lu from the Office of Small and Medium Enterprises and learn how to sell to the Government of Canada, including how to navigate the federal procurement process, how to market your products and services, where to find opportunities and much more. 

The Mentor's Circle: Clearing Your Path to Business Growth/Tuesday, October 15, 2013. 6:30 - 8:00pm

Join author Elizabeth Verwey as she explores the benefits of peer mentoring. Based on her book, the mentors circle provides a way to solve problems, brainstorm, gain new perspectives and take the necessary steps to grow your business. Learn how to clear your path for business growth.

The New Ecology of Leadership - Why Small is Beautiful/ Thursday, October 17, 2013. 6:30 - 8:00pm

Join author David Hurst as he discusses themes covered in his recently published book The New Ecology of Leadership. Learn how best to utilize your own management experiences and education to improve your judgment and organization. Discover the ways that small is truly beautiful! 

This is the personal finance program happening this week:

Carrick on Money/ Thursday, October 3, 2013. 7:00 - 8:00pm

Rob Carrick, the Globe and Mail's personal finance columnist since 1998, talks about the good, bad and the downright awful in Canadian investments. Opinionated and no-nonsense financial advice that you can use.

All programs are free! Call 416-395-5613 to register. Hope to see you there!




Download Online Business eMagazines with Zinio

July 10, 2013 | Ashley | Comments (0)



The library now offers magazines which you can download and actually keep until you decide to delete them, without ever having to worry about returning them. The new service is called Zinio and it gives you access to the most current issue of  300+ popular magazines including; The Economist, Hello!, Rolling Stone, National Geographic, Macleans, Bloomberg Businessweek etc. which you can read on your tablet (e.g. iPad, Samsung Galaxy, Blackberry Playbook etc.), smartphone, e-reader (e.g. Kobo, Kindle, Nook etc.) or computer, for free of course! Above is a Zinio eMagazines video tutorial you can watch for more detail, there's also a complete user guide for using the library version of Zinio available as a PDF and the Richview library is offering a couple of Zinio training classes, one in July and the other in August

It is very easy to use. You begin by creating 2 accounts using the same email address for both (it is recommended to create the accounts on your computer before using the app on your smartphone or tablet):

  1. Go to where you will be prompted to create a new account:Zinioaccount
  2. An account at

Then, to access the magazines from your smartphone or tablet you download the app at To check out new digital magazines you have to do it through and then the magazine will appear automatically in your app. You can not download them directly through the app because you will be prompted to pay. I have been using Zinio myself now and I really enjoy it, I've downloaded it onto my iPhone, Kobo Vox (e-reader) and sometimes view them on the computer when I'm downloading them. I enjoy it on my Kobo the best the resolution is crystal clear, you can zoom in and out nicely, I have access to so many magazines conveniently in one device, its free, and it is a great way to pass the time commuting. 

We have a wide variety of print magazines available in the Business Department at North York Central Library, however they are all reference so you can only read them in the Library. Now with Zinio you can download some of these magazines and read them anywhere you'd like. Here are the business and finance magazines which are available for download on Zinio:

Advisor's edge  Bloomberg   Cdnbusiness  Economist  Forbes Franchisecanada  Kiplingers  Moneysense   MAwardsEnhancedCover   Profit         Rotman

All of the magazines above including back issues are available in the Business Department at North York Central Library (4th floor) with the exception of Franchise Canada Magazine and Rotman: The Magazine of Rotman School of Management. 

Happy Downloading!

Boomers & Beyond Series - Estate Planning: Maximize Your Estate

June 14, 2013 | Ashley | Comments (0)

Estate planning

Join us next Thursday, June 20, from 2:00 - 4:00pm as the Business Department hosts our final Boomers and Beyond Series program this year Estate Planning: Maximize Your Estate.


Garry R. Duncan, FCPA, FCA, CFP and author of "When I Die: Financial Planning
for Life and Death," will explore issues that should be considered when dealing
with an estate plan and suggest methods to maximize the beneficiaries' share of
the estate.

Call 416-395-5613 to register.

Below are some Canadian books which can help you with estate planning, if you're at North York Central Library you'll find these books up on the fourth floor in the Business Department.


   Whenidiebook                 50estateplanningmistakes

   Canadianestateplanning                Estateplanning for dummies

When I die: financial planning for life and death. By: Garry R. Duncan. Call #: 346.71052 DUN

The 50 Biggest estate planning mistakes...and how to avoid them. By: Jean Blacklock & Sarah Kruger. Call #: 346.71052 BLA. (also available as an e-book)

The Canadian guide to will and estate planning: everything you need to know today to protect your wealth and your family tomorrow. By: Douglas A. Gray. Call #: 346.71052 GRA

Wills & Estate Planning for Canadians for Dummies. By: Margaret Hellen Kerr and JoAnn Kurtz. Call#: 346.71052 KER. (Also available as an e-book)

How to Network Your Way into a New Career after Graduation

May 15, 2013 | Ashley | Comments (0)


If you are a student or recent graduate, you probably know how tough it is to find your dream job. Most students don't even end up working in the field that they studied, although really most are looking for meaningful work related to their education - hard to find. In Canada the youth unemployment rate is 14.2% and the general rate is 7.2%.

Lauren Friese is the founder of TalentEgg  which is Canada's most popular job site and online resource for students and new graduates. The site specializes in internships, entry level positions and co-op positions amd was established in 2008 it is like on campus recruitment but online.

On May 21 the Business department will be hosting the second program of our Generation Next Series: How to Hatch Your Career through Networking 

Cassandra Jowett, content manager from will share how she hatched her own career through networking while she was a student at Ryerson University, and provide easy-to-use strategies that will help students and grads become better networkers both online and in real life.

The program is from 6:30 - 8:00pm and is free of charge. You can call 416-395-5613 to register. Hope to see you there!

National Day of Mourning - Remembering lives lost or injured in the workplace

April 27, 2013 | Ashley | Comments (0)

National day of mourning

In 1991, the federal government officially started recognizing April 28 as the National Day of Mourning after passing a Mourning Day Act  on February 1, 1991. This important day commemorates workers who have been killed or injured in the workplace as well as reminding us all to be committed to preventing further deaths and injuries by improving health and safety in the workplace. 

According to the Canadian Centre for Occupational Health and Safety (CCOHS) In 2011, 919 workplace deaths were recorded in Canada and between 1993 to  2011 17, 061 people lost their lives due to work-related causes. According to the International Labour Organization (ILO) 2.02 million people die each year world wide from work related diseases 321,000 from workplace accidents, which means that:

  • Every 15 seconds someone dies from a work related accident or disease

The National day of Mourning also known as Workers' Memorial Day is now recognized by approximately 80 countries around the world including: Argentina, Belgium, Bermuda, Dominican Republic, Gibralter Panama, Peru, United States and many other countries. Workers' Memorial day was actually created by Canadian Union of Public Employees (CUPE) in 1984. The CUPE website has honoured a few of the CUPE workers who have lost their lives since the last National Day of Mourning in 2012:

  • Sylvain Ferland, 49, was killed in an accident while driving a bus in Montreal, Quebec.
  • Normand Gauthier, 53, a longshoreman was killed during loading operations on a Europe bound ship in Port of Matane, Quebec. He leaves behind a wife and 3 children .
  • Claude Picard, 48, a linesman who worked for Hydro Quebecwas killed after falling 13 meters while working on a hydro pole Saint-Félix-de-Valois, Quebec. He leaves behind a wife and a daughter.
  • Hubert Fortin, 67, was killed when he was struck by a roller coaster at La Ronde, a Montreal amusement park where he was working. 
  • Tara Lynn Veri, was killed when her car was hit by a cement truck. She was from Simcoe, Ontario. 

In international news, there are far more fatalities, our standards and regulations for health and safety are quite high in North America.  Just this past week there was a factory that collapsed killing over 200 people, I was watching CBC news yesterday and they said they are still pulling out bodies from the rubble, for more information you can read this article. Below is a video from CBC about improving unsafe work conditions overseas.  



Tomorrow, April 28 businesses are being encouraged to recognize this day and to remember to make worker health and safety a priority. There will be special ceremonies all over the country and in Parliament Hill the Canadian flag will be held at half mast. At the Toronto Public Library 2 minutes of silence will be observed to remember worker's lives which have been lost. In the business department on the 4th floor at North York Central Library, one of the librarians has made a beautiful display to honor the National day of Mourning. You should go up and take a look - here's a sneak peek:

Day of Mourning
National Day of Mourning Display - Business Department

At North York Central Library the Law books are held in the Business Department, we also have a lot of legal directories and leaflets. If you are looking for books on occupational health and safety, worker rights, joint health and safety committees etc. you can find them up on the fourth floor.








Reveal the 8 Universal Truths about Your Money

March 19, 2013 | Ashley | Comments (0)





Even though Money Matters Month is technically over here at North York Library we still have one more personal finance program to offer you 8 Universal Truths about Your Money: The Basics of Financial Planning

Tom Hamza, President of the non-profit Investor Education Fund (IEF) will discuss eight Universal Money Truths that apply to everyone, regardless of their financial situation. Learn practical tips on budgeting, saving, borrowing, investing, and protecting your money from fraud.

FREE. Call 416-395-5613 to register.

Monday, March 27, 2013



There are a lot of great resources and tips on the IEF website for people in all financial stages of life. The IEF provides unbiased programs and tools to help consumers make better financial and investing decisions. Of course, you can always visit the North York Central Library's Business Department on the 4th floor and check out all of our personal finance, investment and economics books, DVDs, databases and newsletters. The staff at the reference desk are always happy to help you!

Welcome to North York Central Library. We're one of the City's most welcoming spaces, open to all for study, research, relaxation and fun.

Our extensive digital and print collections, programs and services are yours to use, borrow and explore. Expert staff are always on hand to help. Meet us in person or join us online.