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Your Money Map Workshop November 8th with Money Coaches Canada

November is Financial Literacy Month and this is a great reminder of the many benefits that come along with getting organized with your money; less debt and stress, clarity on your goals, how to measure your progress toward them and better communication with your spouse to name just a few!

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Your Money Map will help you get organized and show you the way to financial peace of mind.

Space is limited and the deadline for registrations is November 3rd so sign up now to avoid disappointment!

Your Money Map
Create a financial road map to your goals!
Do You…

  • Make a good income but feel financially stuck in a rut
  • Feel ready to take your next steps in building your financial knowledge
  • Want a practical system to manage your money and plan for your goals
  • Want to be DEBT FREE!

Join us and you can expect…

  • A full day of learning and DOING!
  • A personalized Money Map that includes:
    • ✔A Personal Goals Statement
    • ✔A Net Worth statement
    • ✔A Spending and Savings Plan
    • ✔A Debt Management Plan
  • A functional system to stay on track, money information, tools and tips in plain language!
  • Clarity on your Next Steps…

When: Saturday Nov 8th 9:30 am – 5:30 pm with optional post workshop support & 1 follow up session on Saturday, December 6th, 2014 from 10am – 12pm
Where: 425 West 8th Ave Vancouver
Cost: $275 per person for workshop only, $375 for workshop and follow up

$425 couples for workshop only, $575 for workshop and follow up

Click here to register

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5 things your bank teller isn’t telling you

This is an intersting and somewhat entertaining article from MoneySense.

  1. We can drop fees. Why dig into your pockets when tellers routinely waive bank draft, certified cheque and overdraft fees? There’s no harm in asking for a break, especially in extenuating circumstances or when service is slow. “If I take forever with a transaction then I waive the fee as a courtesy,” said a teller who has worked at several major Canadian banks.
  2.  We have sales quotas. Most tellers have monthly credit-card and referral quotas based on hours worked and tied to year-end bonuses, so watch out for aggressive over-the-counter sales pitches. Some banks even have special premiums that make bonuses skyrocket after a certain amount of product is sold. Even credit limit increases count toward quotas at some banks.
  3. We overlook details. Tellers often miss the date on postdated cheques and process them anyway. If and when a premature transaction is caught, you will be called by the bank to return the money until the original date transpires. It’s best to double-check when cashing a cheque since the onus is on you.
  4. We’re smarter than you think. Since bank tellers have pretty good insight into your spending habits they tend to offer money-saving suggestions. For instance, a reward card may be suggested to a customer who spends a lot on gas and groceries. “When I see an opportunity to increase a person’s savings or reduce their debt load, I want to help them,” said the teller. “I wish people were a little more receptive to that.”
  5. Some of us love to gossip. Tellers have exclusive access to your chequings, savings and investment accounts. While they’re not supposed to sift through personal transaction details unless there is a reason to, that doesn’t mean it doesn’t happen. “We can see everything and sometimes chat among ourselves about how much money so-and-so is making and spending,” said another source at a bank.

Source: MoneySense magazine