{"id":18,"date":"2018-09-12T13:06:06","date_gmt":"2018-09-12T17:06:06","guid":{"rendered":"https:\/\/willbouma.ca\/?page_id=18"},"modified":"2018-09-12T13:10:22","modified_gmt":"2018-09-12T17:10:22","slug":"self-help","status":"publish","type":"page","link":"https:\/\/willbouma.ca\/self-help\/","title":{"rendered":"Self Help"},"content":{"rendered":"<p>If you are looking for an Ontario Government form, you may click on the following link. You can search by form number, form name or search different forms according to the various ministries.<\/p>\n<p><a href=\"http:\/\/www.forms.ssb.gov.on.ca\/mbs\/ssb\/forms\/ssbforms.nsf\/ODAMainPage?openagent&amp;lang=E\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/www.forms.ssb.gov.on.ca\/mbs\/ssb\/forms\/ssbforms.nsf\/ODAMainPage?openagent%26lang%3DE&amp;source=gmail&amp;ust=1535474724898000&amp;usg=AFQjCNEWsLMiCgcjTV60qvl5ew0nrlXeMg\">http:\/\/www.forms.ssb.gov.on.ca<wbr \/>\/mbs\/ssb\/forms\/ssbforms.nsf\/OD<wbr \/>AMainPage?openagent&amp;lang=E<\/a><\/p>\n<p>If you cannot find what you are looking for, please contact Will\u2019s office at 519-759-0361.<\/p>\n<p><strong>Auto Insurance Charges<\/strong><br \/>\nIf you\u2019re a driver and insured in Ontario, you are affected by recent changes to the province\u2019s auto insurance system.<\/p>\n<p>You can now:<\/p>\n<ul>\n<li>Choose the insurance coverage that best meets your protection needs and budget<\/li>\n<li>Customize your level of coverage for medical, rehabilitation, attendant care, caregiver, housekeeping and home maintenance expenses<\/li>\n<li>Better combine your auto insurance with private disability insurance coverage, or individual or group health insurance coverage<\/li>\n<\/ul>\n<p>It is important to understand how these changes affect you, before you renew your existing auto insurance policy or buy a new auto insurance policy. The choices you make will affect your coverage and the price you pay for insurance.<\/p>\n<p>For more information on auto insurance changes, visit the Financial Services Commission of Ontario\u2019s website at\u00a0<a href=\"http:\/\/www.fsco.gov.on.ca\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/www.fsco.gov.on.ca&amp;source=gmail&amp;ust=1535474724898000&amp;usg=AFQjCNFdZhiX4ySQhatZ6-AUh3s-VMknVA\">www.fsco.gov.on.ca<\/a>.<\/p>\n<p><strong>Energy Contracts<\/strong><br \/>\nAs an energy consumer, you should be well informed of your rights and responsibilities. Being informed can help you make the right energy decision for you and your family or small business.<br \/>\nIf you are thinking about switching suppliers by signing a retail energy contract, here are some of the things you should keep in mind:<\/p>\n<ul>\n<li>You have options. Take the time to understand your options and compare the price your utility offers with what the retail supplier is offering<\/li>\n<li>People representing energy retailers are required to present proper identification that displays their photograph, name and the company they represent<\/li>\n<li>You DO NOT have to show a sales agent your energy bill. Treat it like a credit card \u2013 keep it confidential until you\u2019re ready to sign a contract<\/li>\n<li>If you sign a contract with an energy retailer and then you change your mind, you have 10 days to cancel the contract. If you cancel the contract after that time, you may have to pay a cancellation fee.<\/li>\n<\/ul>\n<p>For more information about energy pricing and energy contracts, visit the Ontario Energy Board\u2019s website at\u00a0<a href=\"http:\/\/www.oeb.gov.on.ca\/OEB\/consumers\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/www.oeb.gov.on.ca\/OEB\/consumers&amp;source=gmail&amp;ust=1535474724898000&amp;usg=AFQjCNGNcDbnC5BYIngQtb2OSWd1gv862w\">www.oeb.gov.on.ca\/OEB\/consumer<wbr \/>s<\/a><\/p>\n<p><strong>Dealing with Telemarketers<\/strong><br \/>\nNowadays, many people buy goods and services over the telephone. Sometimes it\u2019s quick and convenient, but be careful \u2013 phoney telemarketers cheat consumers out of millions of dollars each year. While you many not be able to avoid all unsolicited calls, here are some tips from the Ministry of Consumer Services to keep in mind when buying over the telephone:<\/p>\n<ul>\n<li>Ask questions. Make sure you get the company\u2019s name and contact information. Ask how long they\u2019ve been in business.<\/li>\n<li>Never pay any kind of fee for a prize or to claim lottery winnings.<\/li>\n<li>Never share information about your finances, bank accounts or credit cards unless you know the person or company you\u2019re dealing with.<\/li>\n<li>Beware of high-pressure sales tactics. Reputable companies always respect.<\/li>\n<li>Never send money to someone who insists on immediate payment or down payment<\/li>\n<li>Be cautious if someone offers you a business or investment \u2018opportunity\u2019 from an unknown source.<\/li>\n<li>Remember, it\u2019s okay to simply hang up on any high-pressure sales person or a suspicious phone call.<\/li>\n<\/ul>\n<p><strong>Payday Loans<\/strong><br \/>\nThinking about getting a payday loan? Payday loans are a very expensive way to borrow money. Before obtaining a payday loan, explore other credit options. If you require payday loan services, be sure to deal only with licensed payday lenders.<\/p>\n<p>Here\u2019s a checklist to keep in mind:<\/p>\n<ul>\n<li>Payday lenders must clearly set out the following important items on the first page of your payday contract \u2013 the amount you are borrowing, the number of days your loan agreement is for (for example, 10 or 14 days), the amount you will pay for your loan (your \u201ctotal cost of borrowing)<\/li>\n<\/ul>\n<p>Ontario has set a maximum on the total cost of borrowing that payday lenders can charge consumers who enter into a payday loan contract. Payday lenders can charge no more than $21 for every $100 that a consumer borrows<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are looking for an Ontario Government form, you may click on the following link. You can search by form number, form name or search different forms according to the various ministries. http:\/\/www.forms.ssb.gov.on.ca\/mbs\/ssb\/forms\/ssbforms.nsf\/ODAMainPage?openagent&amp;lang=E If you cannot find what you are looking for, please contact Will\u2019s office at 519-759-0361. Auto Insurance Charges If you\u2019re a &#8230; <a title=\"Self Help\" class=\"read-more\" href=\"https:\/\/willbouma.ca\/self-help\/\" aria-label=\"Read more about Self Help\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Self Help - WillBouma.ca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/willbouma.ca\/self-help\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Self Help - WillBouma.ca\" \/>\n<meta property=\"og:description\" content=\"If you are looking for an Ontario Government form, you may click on the following link. 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You can search by form number, form name or search different forms according to the various ministries. http:\/\/www.forms.ssb.gov.on.ca\/mbs\/ssb\/forms\/ssbforms.nsf\/ODAMainPage?openagent&amp;lang=E If you cannot find what you are looking for, please contact Will\u2019s office at 519-759-0361. Auto Insurance Charges If you\u2019re a ... 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