Classifieds the free

For Sale For Sale

LAND FOR SALE NEAR MANDEVILLE JAMAICA: A little over 1/3 acre residential land just a few minutes outside of Mandeville and the Northern Caribbean University (NCU). This affordable lot is located in the cool and peaceful New Wales community. Tel: 647-884-8977

2009 JEEP CHEROKEE: 4x4, extremely great condition, certified in January, keyless entry. Asking $7000 selling as is. Call 647-8584660

LAND SALE AT REDUCED PRICE IN TRINIDAD 2 PARCELS FLAT LAND IN FINAL STAGE OF APPROVAL FROM TOWN AND COUNTRY in Freeport - 10 mins off the highway. Great for Pre-Fab Housing Project already present in TT, residential homes, warehousing etc. Please call: 905-660-4744 Email: shahs@rogers.com

For Sale Help Wanted Help Wanted

LIVE IN CARE GIVER: Available to work. Prefer live in position.

905-240-0271

HIRING FOR GENERAL LABOUR: Looking for a helper to do general labour, garden cleaning, landscaping, and winter snow removal. Cash paid weekly. Located at Morningside & Lawrence in Scarborough. Please call: (416) 269-5174 | 416-729-4772

LIST UP TO 30 WORDS FREE!

647-722-6298

Some

PART TIME

DELIVERY DRIVERS: Approximately 4-6 hours commitment every second Wednesday.

Drivers needed for:

• Scarborough/Pickering/ Ajax

• North York/Rexdale/ Malton

• Brampton/Mississauga

Driver must have SUV or Van. Call 647-722-6298 to apply.

APARTMENT FOR RENT: 2 Bedroom Appt $1600 all inclusive available for 1st May No Parking, No Pet, no Smoking, No Drugs. call 416-283-5450

Personal

LOOKING TO CONNECT: Senior Christian lady on ODSP looking to trade frugal recipes and frugal living tips. Email: SisterSuHotelDieu @gmail.com

For Sale Worship

SUNDAY SERVICE: Fountain of Truth Ministries Pastor: Reverend Maxine Campbell Worship Address: 2170 Kipling Avenue, Etobicoke Percy Johnson School – Cafeteria Sundays: 10.am – 2. pm Teaching, Worship, Ministering For info call: 416 748 0211

MISSISSAUGA: Mississauga Missionary Baptist Church invites you to join us at 1620 Dundas St West, each Sunday at 10am for praise, worship and in-depth Bible teaching with Pastor Sean, 416-219-9137

Sales Reps Wanted

We are in the process of expansion and constantly looking for the best of the best! Dedicated salespeople; people interested in opportunities to help others while also being able to help themselves. For more information, please contact Trish 647-722-6298 or trish@carib101.com

Three ways to improve your credit rating

Do you have a low credit rating? You may have had a few hard knocks, but you can improve your credit standing with a bit of patience and discipline. It won’t change overnight, but it’s important to take control of things right now; your efforts will be well worth it if you want to have a more secure financial future. Here are three tips to get you pointed in the right direction.

1. Pay your bills on time

Get into the habit of paying your bills before the due date. Even if you can only manage the minimum amount due on your credit card this month, make sure you pay it on time. You’re much better off paying the minimum on time than the full balance late.

2. Don’t max out your cards

Don’t push the set limits on your credit cards. Experts believe that you should keep your credit utilization ratio (what you use versus how much you have to use) below 30 percent. This rule applies to each individual card, and to the cumulative debt of all your cards.

3. Limit your applications for credit

Each time you apply for a loan — a line of credit, personal loan, car loan, or credit card — your application appears on your credit rating. Multiple requests can negatively affect your score, as creditors wonder if all your credit queries are hiding a serious financial problem.

Are you wondering if you should go to one of those companies that promise to improve your credit rating? Be careful; Industry Canada’s Office of Consumer Affairs says that only your creditors themselves have the power to change the information that is recorded in your credit report. One thing you can do is order a copy of your credit report before you apply for a loan to ensure there are no errors. To do that, all you have to do is contact one of the Canadian credit bureaus, either Equifax (www. equifax.ca) or TransUnion (www.transunion.ca).

How to make your money grow

If you have a stable budget and hardly any debt, this is the right time to start some kind of deliberate savings plan. Don’t wait a minute longer; the sooner you start, the sooner you’ll see your savings grow.

You don’t need to have a lot of money to begin saving. You can get going by opening a tax free savings account and depositing any amount you’d like to start with. You can deposit up to $5,500 annually in a TFSA; any investment income it generates is tax free. Even cash withdrawals won’t be taxed. The TFSA is a great tool to meet and

The Canadian Home Buyers’ Plan can help you purchase your first home. Since 1992, the year of its creation, the HBP has helped many Canadians to do just that. Are you interested in benefiting from this program? Here’s what you should know.

To take advantage of the program, you must already have money placed in a registered retirement savings plan. The HBP allows you to withdraw up to $25,000 per person from your RRSP to purchase or build a home in Canada. Several types of homes even exceed your financial goals.

Another great way to start saving is to open a registered retirement savings plan. There are many eligible investments, and the interest rates are better than with regular savings accounts. Your contributions are tax deductible, and your gains are tax free until you withdraw them. Investing in an RRSP is recommended by financial experts as one of the most effective financial strategies for retirement planning.

A representative of a financial institution can help you determine your investor

Interested in the HBP?

are eligible. In other words, a couple who meets the eligibility requirements may withdraw up to $50,000, tax-free, as capital for their home.

Participants have 15 years to repay the money back into their RRSPs. Each year, the reimbursement must equal at least one-fifteenth of the funds withdrawn. If you wish, you can choose to repay the total amount faster. One way or another, the amount used to repay the HBP cannot be used as a deduction on your tax return. If profile. This involves deciding how to spread your precious money among high- and lowrisk savings and investment tools. Once you have a better idea of your profile, you can follow an action plan that is tailored to your personal circumstances. On top of a TFSA and RRSPs, you may decide to buy some government savings bonds, guaranteed investment certificates issued by banks, mutual funds, stocks, and other financial products designed to give you worthwhile returns. you’re unable to repay the required annual amount — in part or in full — it will be treated as income on your tax return.

To learn more about the Home Buyer’s Plan, visit the Service Canada website (www.servicecanada.gc.ca) or the Canada Revenue Agency (www.cra-arc.gc.ca). You could also make an appointment with a representative of your financial institution to find out more about your home-buying options.

Do your teenagers know how to manage money?

As part of a recent study on general education levels of teenagers around the world, the Organisation for Economic Cooperation and Development tested 29,000 15-year-olds on their financial literacy. The OECD asked teens from 18 different countries to answer a series of questions that would evaluate their grasp of basic money management skills, including understanding a bank statement, figuring out the long-term cost of a loan, and understanding how insurance works.

The results showed that when it comes to money matters, young North Americans fall mid-range compared to their peers from other countries. This is particularly troubling in light of the fact that young people are going into debt sooner and in greater numbers in order to pay for further education. About one student in seven who participated in the test was unable to make even simple decisions concerning expenditures.

A few tips for parents

Here are four ways to improve your children’s knowledge of personal finances.

• Explain the difference between gross and net salaries, as well as paycheque deductions.

• Teach them to develop a healthy relationship with money through open and honest conversations about personal finances.

• Encourage them to start managing their own money when they’re mature enough.

• Suggest they manage the budget of an upcoming activity or a fictitious project. You could ask them to budget the next trip to the grocery store, a family vacation, or expenses related to a first apartment.

The easiest way to clean your car’s upholstery

Cars can get messy, especially if you have kids and pets. The good news is that there are tried and true methods of removing stains and cleaning your car’s upholstery. Here are a few.

Stains

Try this homemade solution to remove stains:

• 2 cups water

• 1 cup vinegar

• 1 tablespoon dish soap

Mix the ingredients in a spray bottle and apply them to the stains. Let the solution sit for about 15 minutes, then wipe it clean with a wet cloth. You can also try commercial spot-removing solutions available at your local automotive shop.

Pet hair

If vacuuming doesn’t remove all the pet hair in your car, here’s a simple and inexpensive solution. Use a rubber-dipped glove to brush away the fur with your hand. The hair sticks to the glove, and your upholstery will be fur-free.

Smells

Eliminate nasty smells by mixing 1 cup of baking soda with 4 or 5 drops of essential oil such as lavender or ylang-ylang. Put the mixture in a sealed plastic bag or glass jar for a day. Then shake up the baking powder and sprinkle it on the floor. After about 20 minutes, vacuum up the powder. The fresh scent will remain for days.

How to jumpstart your car

Knowing how to jumpstart a car is something every vehicle owner should know how to do. Jumpstarting a car isn’t hard if you have a set of jumper cables. Here’s what to do.

• Pull both cars close enough to each ot¬her to connect the jumper cables. Set the parking brakes in each vehicle.

• Open the hood of each vehicle and locate the battery. Identify the positive (red) and negative (black) terminals. If they’re overly corroded, clean them with a wire brush.

• Connect the red clamp of the jumper cable to the red positive terminal on the dead battery.

• Connect the red clamp on the other end of the cable to the working battery.

• Connect the black negative clamp to the black terminal on the working battery.

• Connect the other end of the black clamp to the black terminal on the dead battery or any other unpainted metal surface of the car.

• Start the car with the working battery. Wait a minute or two before starting the vehicle with the dead battery.

If the car starts, let it run for a while to recharge the battery. If your vehicle doesn’t start, you may have an issue with your starter. In this case, you should call your local automotive shop for help.