Information about your rights, consumer safety and protecting yourself in the marketplace 2012 CALENDAR

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1 Protect Yourself Information about your rights, consumer safety and protecting yourself in the marketplace 2012 CALENDAR

Important Contacts Addictions Foundation of Manitoba Toll free: 1-866-638-2561 www.afm.mb.ca Age & Opportunity Inc. Phone: 956-6440 Toll free: 1-888-333-1808 www.ageopportunity.mb.ca (SafetyAid program) Canada Revenue Agency Toll free: 1-800-267-2384 www.

ca/fs/cca/cpo Consumer Information Gateway www.consumerinformation.ca Crisis Line Phone: 786-8686 Toll free: 1-888-322-3019 www.klinic.mb.

ca Manitoba Crimestoppers Toll free: 1-800-222-8477 www.manitobacrimestoppers.com Manitoba Gaming Control Commission Phone: 954-9400 Toll free: 1-800-782-0363 www.mgcc.mb.

2 Important Contacts Addictions Foundation of Manitoba Toll free: Age & Opportunity Inc. Phone: Toll free: (SafetyAid program) Canada Revenue Agency Toll free: City of Winnipeg Fire Prevention Branch Phone: Competition Bureau Canada Toll free: Consumers Association Phone: Toll free: Consumer Protection Office Phone: Toll free: manitoba.ca/fs/cca/cpo Consumer Information Gateway Crisis Line Phone: Toll free: Financial Services OmbudsNetwork Toll free: Gambling Helpline Toll free: Manitoba Crimestoppers Toll free: Manitoba Gaming Control Commission Phone: Toll free: Manitoba Public Insurance Phone: Toll free: Manitoba Securities Commission Phone: Toll free: Office of the Fire Commissioner Phone: Toll free: Residential Tenancies Branch Phone: Toll free: manitoba.ca/rtb Royal Canadian Mounted Police (check local detachment listing) Seniors Abuse Support Line Phone: Toll free: Seniors Information Line Phone: Toll free: manitoba.ca/shas Vital Statistics Phone: Toll free: vitalstats.gov.mb.ca Winnipeg Police Service Phone:

Buying Vehicles: New Consumer Protection Consider buying from a registered dealer Avoid curbsiders imposters who pose as private individuals, but are actually in the business of selling damaged or

4 Buying Vehicles: New Consumer Protection Consider buying from a registered dealer Avoid curbsiders imposters who pose as private individuals, but are actually in the business of selling damaged or defective cars to unsuspecting consumers. Private citizens selling their own vehicle are not required to disclose information about the vehicle s history. Buying from a registered dealer provides increased consumer protection. Beginning December 31, 2011, Manitoba car dealers must provide consumers with information about a vehicle s history. This includes information such as: prior damage by fire or flood former use as a taxi, police car or rental car whether it was written off or had significant repairs done This information has to be clearly written in the sales contract, and you should be told about it before you sign. Caution If you leave a deposit, make sure you understand the conditions and find out whether or not you can get your money back. Before you agree to buy a used car, it is a good idea to pay an independent, qualified mechanic to check it out. If you have any questions about consumer protection when buying a vehicle, please contact the Consumer Protection Office at in Winnipeg; toll free in Manitoba at ; or via at consumers@gov.mb.ca.

5 January SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY New Year s Day full new DECEMBER 2011 S M TU W TH F S FEBRUARY S M TU W TH F S

A collection of real-life stories, tips, and strategies on how to help yourself and others

6 I m Worth It Financial Stories, Ideas and Strategies for Women Get The Manitoba Securities Commission s I m Worth It resources for women. A collection of real-life stories, tips, and strategies on how to help yourself and others with financial management all from women s perspectives. Visit and order your free guide. Call us at or

7 February SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY JANUARY MARCH S M TU W TH F S S M TU W TH F S full Valentine s Day Louis Riel Day new Ash Wednesday

Payday Loans Manitoba s New Consumer Protection What you should know about payday loans: Payday lenders can t charge Manitobans more than $17 for every $100 they lend.

All payday lenders operating in Manitoba must be licensed by the Manitoba Consumer Protection Office including Internet payday lenders.

8 Payday Loans Manitoba s New Consumer Protection What you should know about payday loans: Payday lenders can t charge Manitobans more than $17 for every $100 they lend. You can cancel your payday loan within 48 hours without paying any charges. Payday lenders can t make you repay your loan before your next payday. All payday lenders operating in Manitoba must be licensed by the Manitoba Consumer Protection Office including Internet payday lenders. Your payday loan agreement must list all charges and the terms of your loan. You don t have to buy prepaid credit cards, insurance and other options that may be offered. REMEMBER Ask questions about anything you don t understand. Don t sign any documents that aren t clear. Payday loans are often the most expensive loans you can get. If you need money for an emergency, get advice from a qualified financial counsellor. If you have any questions or concerns about payday loans, call the Consumer Protection Office at in Winnipeg; toll free in Manitoba at ; or consumers@gov.mb.ca.

9 March SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY FEBRUARY APRIL S M TU W TH F S S M TU W TH F S Fraud Prevention Month new Daylight Savings Begins Consumer Rights Day St. Patrick s Day full

Always sign and check your lottery tickets.

Winning numbers are available online and in Luck magazine, or you can use the self-serve ticket

Always get the validation slip and signed ticket back, and check both to make sure the ticket

The Manitoba Gaming Control Commission (MGCC) regulates lottery retailers.

10 Always sign and check your lottery tickets. Check your tickets before giving them to a lottery retailer for verification. Winning numbers are available online and in Luck magazine, or you can use the self-serve ticket checkers. Always get the validation slip and signed ticket back, and check both to make sure the ticket numbers are the same. Protect yourself sign it and check it. The Manitoba Gaming Control Commission (MGCC) regulates lottery retailers. If you have a problem or concern, we encourage you to call Western Canada Lottery Corporation ( ) first, as they are able to resolve most issues directly. If a problem cannot be resolved or you have a serious concern, contact the MGCC at (204) in Winnipeg, toll-free at or at complaints@mgcc.mb.ca.

April SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY 1 2 3 4 5 6 7 Palm Sunday Caregiver Recognition Day Good Friday 8 9 10 11 12 13 14 full Passover Easter Sunday 15 16 17 18 19 20 21 22

11 April SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY Palm Sunday Caregiver Recognition Day Good Friday full Passover Easter Sunday new Earth Day MARCH MAY April 15 to 21 National Volunteer Week S M TU W TH F S S M TU W TH F S

SafetyAid helps make homes safer for seniors A partnership between A&O: Support Services for Older Adults, and the Province of Manitoba,

Qualifying lower income older adults can have devices like deadbolts, peepholes, security bars and smoke detector batteries installed at no

prevent falls. A video about preventing crime is also available from the SafetyAid Program.

12 SafetyAid helps make homes safer for seniors A partnership between A&O: Support Services for Older Adults, and the Province of Manitoba, SafetyAid helps older adults live independently. Among its services are free home and property security audits for those aged 65 and older. Qualifying lower income older adults can have devices like deadbolts, peepholes, security bars and smoke detector batteries installed at no cost. Eligible older adults can also receive supplies such as non-slip bathmats, flashlights, nightlights and ice-melting products to help prevent falls. A video about preventing crime is also available from the SafetyAid Program. SafetyAid now serves more than 36 separate Manitoba Communities and surrounding areas. For more information, call A&O at in Winnipeg; toll free at ; or visit

13 May SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY APRIL JUNE S M TU W TH F S S M TU W TH F S full Mother s Day new Victoria Day

The Residential Tenancies Branch Working with both landlords and tenants Landlords and tenants in Manitoba have rights and responsibilities.

the right to: Expect the rental unit will be ready for them on the date promised Have any necessary repairs completed in a reasonable time frame Live in units with secure doors and locks Expect the

14 The Residential Tenancies Branch Working with both landlords and tenants Landlords and tenants in Manitoba have rights and responsibilities. Landlords have the right to: Receive the rent on time Have tenants observe reasonable rules and regulations Expect tenants to keep the unit clean and not damage the landlord s property Tenants have the right to: Expect the rental unit will be ready for them on the date promised Have any necessary repairs completed in a reasonable time frame Live in units with secure doors and locks Expect the landlord to provide any public utilities (ex.: heat, water, electricity) that are included in their tenancy agreement If disputes arise between landlords and tenants, we encourage them to try and work them out themselves but either party may contact us for help in reaching a resolution. To learn more about the Residential Tenancies Branch, please contact one of these offices: Edmonton Street, Winnipeg Phone or toll free in Manitoba , 9th Street, Brandon Phone or toll free in Manitoba Elizabeth Drive, Thompson Phone or toll free in Manitoba

15 June SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY MAY JULY S M TU W TH F S S M TU W TH F S full World Elder Abuse Awareness Day Father s Day new

Hi there! I m Sammy Sammy the Slot Machine.

But do you know how gambling REALLY works?

getgamblingfacts.ca and I ll tell ya everything ya need to know!

16 Hi there! I m Sammy Sammy the Slot Machine. I guess you know that a lot of folks either gamble or they know someone who does But do you know how gambling REALLY works? I ll tell ya Get yourself in front of a computer and visit me at the website, and I ll tell ya everything ya need to know! Addictions Foundation of Manitoba 1031 Portage Avenue Winnipeg, MB R3G 0R8 (204) Toll free: Gambling Helpline:

17 July SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY Canada Day full new JUNE S M TU W TH F S AUGUST S M TU W TH F S

18 Avoid a crash by staying off the phone Using a cell phone and driving is a dangerous mix. That s why it s against the law in Manitoba. Here s how risky it is: If you talk on your cell phone while driving, you re four times more likely to crash If you text while driving, you re 23 times more likely to crash The best way to stay safe is to turn off your cell phone while you re driving. But if your phone happens to be on, here are three tips to reduce your risk of a crash: Pull over and stop before you talk or text on your phone If your phone rings, let the call go to voice mail and listen to it when you re parked Let a passenger take and make calls

19 August SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY JULY SEPTEMBER S M TU W TH F S S M TU W TH F S / full Civic Holiday new full

Did you know? You can check to see if a used vehicle has ever been bought back through CAMVAP on their website at www.camvap.ca. Be sure to check it before you buy a previously-owned vehicle.

CAMVAP covers most domestic and imported vehicles purchased in Canada and manufactured within the past five years.

Follow the dispute resolution steps in the manufacturer s warranty booklets. What does CAMVAP do?

20 Did you know? You can check to see if a used vehicle has ever been bought back through CAMVAP on their website at Be sure to check it before you buy a previously-owned vehicle. Canadian Motor Vehicle Arbitration Plan (CAMVAP) What Vehicles are covered? CAMVAP covers most domestic and imported vehicles purchased in Canada and manufactured within the past five years. Tips Maintain your vehicle well. Work with the dealer and manufacturer to resolve issues. Keep good records. Follow the dispute resolution steps in the manufacturer s warranty booklets. What does CAMVAP do? CAMVAP allows you to resolve disputes with vehicle manufacturers about how your vehicle was assembled or the way the new vehicle warranty is being implemented. Check out CAMVAP at or call for information on how CAMVAP can help you.

21 September SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY AUGUST OCTOBER S M TU W TH F S S M TU W TH F S Labour Day new Rosh Hashanah full

22 Protecting and Managing Your Assets as You Age Here are some ways you can manage and protect your assets as you age: Create a financial plan. A solid long-term plan will meet your needs both today and in the future. Create a Power of Attorney. This allows someone you trust to look after your financial affairs if you are unable to do this yourself. Avoid scams, frauds and financial abuse. Don t allow anyone, even family members, to pressure you into giving them money or control of your assets. Ask questions. Learn as much as you can about managing and protecting your assets. s. For more information about protecting and managing your assets, please contact Healthy Living, Youth and Seniors, Seniors and Healthy Aging Secretariat at in Winnipeg or toll-free in Manitoba at or by visiting

October Seniors and Elders Month Investor Education Month SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY 1 2 3 4 5 6 International Day of Older Persons 7 8 9 10 11 12 13 14 15 16 17 18 19

23 October Seniors and Elders Month Investor Education Month SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY International Day of Older Persons Thanksgiving Day new Yom Kippur SEPTEMBER full Halloween S M TU W TH F S / NOVEMBER S M TU W TH F S

Keep your home safe About 70 per cent of break and enter crimes are through a front or back door. Use a good quality deadbolt to improve door security.

Illuminate your house numbers at night in case emergency workers need to find your home. If you arrive to find your home broken into, don t go inside. Go to a safe place and call the local police.

24 Keep your home safe About 70 per cent of break and enter crimes are through a front or back door. Use a good quality deadbolt to improve door security. Make sure to attach the striker plate to the door frame with at least two, three-inch screws. Automatic light timers give the impression that someone is home in the evenings, even if you re out. Illuminate your house numbers at night in case emergency workers need to find your home. If you arrive to find your home broken into, don t go inside. Go to a safe place and call the local police. The police need your help reporting suspicious vehicles or people in your neighbourhood. Join Neighbourhood Watch/Rural Crime Watch or Citizens on Patrol in your area. Tips solve crimes! Your information helps to solve and deter crime and makes our communities safer. To provide information anonymously on any unsolved crime in rural Manitoba, call Manitoba Crime Stoppers toll free at (TIPS). SUBMIT a secure tip online at TEXT TIPMAN plus your message to CRIMES (274637)

25 November SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY OCTOBER DECEMBER S M TU W TH F S S M TU W TH F S / Crime Prevention Month Daylight Savings Ends Remembrance Day new full

26 Donate wisely! The Canada Revenue Agency (CRA) is the federal regulator for registered charities. To support Canada s donors and charitable sector, the CRA offers information on being an informed donor. View our new videos by visiting or the CRA s YouTube channel. Donate wisely and: make cheques payable to the charity and not to an individual; make sure that you re on a secure site when donating online; think twice about making a donation if you feel inappropriate pressure or if there are signs of fraud; and beware of tax schemes that offer you an official donation receipt for more than you donate. And remember how much you give, and how often you give, is always up to you! (toll free) TIP: Help protect your friends, family, and colleagues from fraud by linking to our new Giving to Registered Charities 101 videocast series on your Web pages or social networking sites.

27 December SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY NOVEMBER JANUARY 2013 S M TU W TH F S S M TU W TH F S International Volunteer Day Hanukkah new 23 Christmas Eve New Year s Eve 31 Christmas Day Boxing Day full

Financial Stories, Ideas and Strategies for

Monty Hall courtesy of Hatos-Hall Productions

e Manitoba Securities Commission s I m Worth It

A collection of real-life stories, tips,

with financial management all from women s

ca and order your free guide. Call us at 1.204.

Luck magazine, or you can use the self-serve

Always get the validation slip and signed

The Manitoba Gaming Control Commission (MGCC)

If you have a problem or concern, we encourage

28 Financial Stories, Ideas and Strategies for Women Use of Let s Make a Deal and images of Monty Hall courtesy of Hatos-Hall Productions and Monty Hall. e Manitoba Securities Commission s I m Worth It resources for women. A collection of real-life stories, tips, rategies on how to help yourself and others with financial management all from women s perspectives. and order your free guide. Call us at or Always sign and check your lottery tickets. Check your tickets before giving them to a lottery retailer for verification. Winning numbers are available online and in Luck magazine, or you can use the self-serve ticket checkers. Always get the validation slip and signed ticket back, and check both to make sure the ticket numbers are the same. Protect yourself sign it and check it. The Manitoba Gaming Control Commission (MGCC) regulates lottery retailers. If you have a problem or concern, we encourage you to call Western Canada Lottery Corporation ( ) first, as they are able to resolve most issues directly. If a problem cannot be resolved or you have a serious concern, contact the MGCC at (204) in Winnipeg, toll-free at or at complaints@mgcc.mb.ca.

2018MoneyMatters. Financial Lessons for Life!

2018MoneyMatters. Financial Lessons for Life! 2018MoneyMatters Financial Lessons for Life! manitobafinancialliteracy.com The Manitoba Financial Literacy Forum is a coalition of organizations and individuals working together to promote lifelong financial