Young & Free Ontario

STUDENT Loans

Kaylie Dame — Wed, 30 May 2012 14:54:19 +0000

STUDENT LOANS are where it's at, and Libro and United have got you covered!

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STUDENT LOANS

Available to Full-Time Students
Up to $8000/year to a max of $25 000 over 4 years
Approved coborrower may be needed: this will secure your loan & improve your interest rate
Interest must be paid monthly
Repayment plan begins 6 months after leaving school

Click here to find and contact a Libro Coach near you!
They will work with you to form the best financial plan for your education and help you keep good standing with your credit.

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STUDENT LINES OF CREDIT

up to $8000/year to a max of $40 000 over 5 years
Interest must be paid monthly
Repayment plan begins 6 months after leaving school
It's an open loan: you can pay amounts on your loan anytime without penalty
Access through ATMs, Interac machines, in branch, online or writing cheques

Click here to find and contact a United Expert near you!
They can set you up with the loan you need and help you arrange payments to build a good credit rating.
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Sure, you can get a loan at any bank and some offer better rates than others. But the difference that counts with United Communities Credit Union and Libro Financial Group is that they don't just throw you to the wolves once they've signed you up. They stick with you and help you to develop a plan for managing and repaying your loans, so you're not stuck in a money mess when you graduate.

I bet there's a stat out there somewhere that says credit union member graduates have less debt than bank client graduates.

Kaylie

STUDENT Credit Cards

Kaylie Dame — Wed, 30 May 2012 02:25:00 +0000

Yesterday, we talked about the awesome scholarship programs that both Libro Financial Group and United Communities Credit Union are hosting this year. (PSSSST... apply here and here by June 15th!) Today, I'm highlighting student credit cards!

Credit cards can seem scary, but they are a great way to help build your credit rating and they can really come in handy in emergencies. And frankly, in today's world there are a lot of things we can't do if we don't have credit cards: book a hotel, shop online, book a trip, etc.

Libro and United both have NO FEE student MasterCard credit cards-- check 'em out!

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STUDENT MASTERCARD

NO FEES
$500 - $2000 limit
Choice Rewards option for $24/year that will allow you to generate points on your purchases

Click here to find and contact a Libro Coach near you!
They will work with you to form the best financial plan for your education and help you keep good standing with your credit.

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STUDENT MASTERCARD

NO FEES
up to $2000 limit
Purchase Protection & Extended Warranty on most card purchases
Automatically enrolled in iCare program: every $1000 spent, $1 donated by United to local health care causes
Choice Rewards option for $24/year that will allow you to generate points on your purchases

Click here to find and contact a United Expert near you!
They can set you up with the credit card you need and help you arrange payments to build a good credit rating.
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Kaylie

SCHOLARSHIPS: 18 Days Left!

Kaylie Dame — Mon, 28 May 2012 22:14:36 +0000

Check out the great scholarships and student awards that Libro and United are awarding this year! The deadline to apply is JUNE 15th. They're both online applications so you don't even have to leave your house to apply--- GET ON IT!

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LIBRO COMMUNITY BUILDER SCHOLARSHIP PROGRAM

Libro Financial Group is awarding ten $3000 scholarships to youth who demonstrate commitment to developing leadership skills while participating in community development projects.

Eligibility:

Community Builder Scholarships are open to youth ages 17 to 25, including Libro staff, Directors, Owner Reps & their children.
You must demonstrate leadership qualities while involved in community development projects.
You must provide proof of enrollment in post-secondary education, including college, university, technical institute, private college, etc.
You must provide proof of minimum course load:
(a) 60% for college or university
(b) 20 hours/week for non-degree private colleges
You must have a minimum C+ or 67% average, based on the current year's marks to date.
You may re-apply for an award in a subsequent year.
Scholarship recipients must be Libro owners. Recipients will receive a coaching session at the time of recieving their scholarship.

Winner Criteria:

Content of a 300-500 word essay in response to:
Explain how you have shown leadership while participating in & leading community development projects.
1 page print-form list of accomplishments
Up to 3 references from school & volunteer organizations.
Transcript of most recent marks.
Proof of enrollment & minimum course load.

Click here to submit your application online NOW!
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MYUNITED STUDENT AWARDS

United Communities Credit Union is awarding $25 000 in awards to students who balance academic achievement with a demonstrated commitment to the social and environmental wellbeing of their school and community. Two $3000 awards will be presented to any 17-25 year old post-secondary student who completes the below Winner Criteria. As well, $1000 will be awarded to an eligible graduating student from each of the following high schools:

Windsor & Essex County
Belle River District High School
Cardinal Carter Secondary School
Ecole Secondaire Lajeunesse
Ecole Secondaire l'Essor
Essex High School
General Amherst High School
Harrow High School
Kingsville District High School
Leamington District Secondary School
Sandwich Secondary
St. Anne High School (Tecumseh)
St. Thomas of Villanova High School
UMEI
Western Secondary School

Huron & Perth Counties
Central Huron Secondary School
Goderich District Collegiate Institute
Listowel High School
South Huron High School
St. Anne's Secondary School (Clinton)

(This means you're not competing against everyone who applies, you're only competing against other students from your school that apply! One award per school will be awarded, for a total of $19 000.)

Eligibility:

You must have a primary home address within Windsor, Essex, Huron or Perth Counties (but may be enrolled in post-secondary school elsewhere).
You must be graduating high school with an academic average of C+ or higher.
You must be enrolled full-time in your first year of Canadian post-secondary college, university, apprenticeship program, technical institute or private college.

Winner Criteria:

List 3 volunteer/leadership experiences
Choose one of the 7 Co-operative principles and describe how it is consistent with your life.
Complete a 300-500 word essay describing how you've balanced academics with a demonstrated commitment to the social and/or environmental wellbeing of your school and community.

Click here to submit your application online NOW!

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What are YOU waiting for? This is FREE MONEY we're talking about here!
Apply away!

Kaylie

TWISTED TALENT VIDEO

Kaylie Dame — Sat, 26 May 2012 23:37:14 +0000

Here are the deets for the TWISTED TALENT VIDEO CONTEST in a more appropriate form... a video!

Kaylie

TWISTED TALENT CONTEST!

Kaylie Dame — Fri, 25 May 2012 02:35:12 +0000

We've all got some type of odd talent that seems useless but can make for fun party tricks, right? Well, we here at Y&F ON want to turn YOUR unusual talent into CASH! That's right, we've kicked off a TWISTED TALENT CONTEST!
How can you turn your party trick into mulah?

ENTRY PHASE: NOW until MONDAY JUNE 25

Upload a YouTube video to our Contest Page showcasing your 'Twisted Talent'. We're not looking for Spielberg films here folks, a shaky phone video will do! We just want to see what YOU can do! Be sure to tag your video "yfonttwistedtalent".

VOTING PHASE: JUNE 26 to JULY 9

Get everyone you know to vote for YOUR video on our site during this period! One vote per email address will be counted.

WINNERS ANNOUNCED: WEDNESDAY JULY 11

The three videos with the most votes will each win CASH prizes!

TOP PRIZE: $500 CASH
SECOND PRIZE: $250 CASH
THIRD PRIZE: $150 CASH

BIG MONEY BIG MONEY! 500 bucks can go a long way, that's for sure! And you can use it for WHATEVER you want!

So get your buns in gear, catch a video of you or your friends doing whatever it is you do, and send it on in to win some cashola! Don't forget to play by the rules, check them out here.

Kaylie

Living Young & Free Show Episode 061: Side Business, Impulse Saving and Lessons Learned

Y&F Ontario Team — Fri, 18 May 2012 21:00:11 +0000

Matt from Indiana talks about running a side business, Michelle in New Mexico looks at impulse savings, and Janelle from Michigan shares her lessons learned as a spokester.

You can also download all of the episodes as a podcast from iTunes and you can watch all previous shows!

The Y&F Ontario Team

NEW CU Branches Announced!

Kaylie Dame — Thu, 17 May 2012 03:59:53 +0000

It was announced today that Libro Financial Group will be opening their sixteenth branch sometime next spring! This will be the fifth branch location in London, located at 915 Southdale Road near Colonel Talbot Road. This will make life much easier for you west-Londoner Libro owners!

This is the outside sketch plan of the new branch, and YES that is a drive-thru ATM you see on the far left! I can't tell you how amazingly handy the drive-thru is, I have one at my local branch and I don't know what I did before I had it!

Through the next year, libro.ca/16 will have updated information on the building progress, career opportunities, opening accounts and more! If you live in the area, I recommend you apply to work at the new branch, Libro is a fabulous company to work with!

Also, United Communities Credit Union announced a few months back that there will be a brand new branch in Goderich, in addition to the new Listowel location! TONS of excitement with the two CUs, I'm lovin' it!

Why are we looking to expand, you ask? Well, we want to make it easier for you to do your banking and because we're want to spread the good word about our credit unions and the fantastic services we offer! Libro and United look out for you, your families and your money, and the more people that switch from a big bank to a smaller CU, the happier everyone is!

I'm excited to see the new branches!

Kaylie

The Importance Of Saving For School

Kaylie Dame — Fri, 11 May 2012 02:40:43 +0000

Hey guys,

I found a great story at GetRichSlowly.com written by J.D. Roth about her success in starting life without student debt. As someone with OSAP loans looming over my head, I thought this would be a great story to share with everyone to help encourage you all to save as MUCH money as you can this summer because the more you save now, the better off you'll be starting off your adult life.

It may not seem like a big deal now, but I highly recommend reading this story to see first-hand how an absence of debt can really make life easier. Roth describes how she worked through high school and banked all that she could and said that she maintained the following:

She was completely responsible for herself when she graduated
She hated debt with a passion
She didn't consider student loans an option for post-secondary funding
She wanted to work a full-time job ASAP

At the end of her college experience, Roth was in a great position as her lack of student loans allowed her to:

Pay cash for a used car
Take vacations
Buy furniture
Contribute to his 401 (k)
Donate money to worthy causes and/or friends in need
Pay off her husband's student loans
Purchase her dream house with more than 20% down

Cheers to saving!

Kaylie

Where Do We Spend Our $$?

Kaylie Dame — Thu, 10 May 2012 02:38:52 +0000

Okay, so I'm on an infographic binge it seems...

Came across this collection of info at Mint.com that outlines where WE are spending our money. Rightfully, the top three expenditures for Canadians are shelter, transportation and food. It's interesting to see the other places we put our dollars. Do you fit with the pattern and what things should be added to this infographic?

Kaylie

CUs vs. BANKs

Kaylie Dame — Wed, 09 May 2012 02:02:18 +0000

Heyo guys!

Thanks to Darryl with Young & Free South Carolina for bringing this infographic to my attention. It's a pretty great way of putting the differences between Credit Unions and Banks into a nice picture. CHECK IT OUT!

Kaylie

Young & Free Ontario

STUDENT Loans

STUDENT LOANS

STUDENT LINES OF CREDIT

STUDENT Credit Cards

STUDENT MASTERCARD

STUDENT MASTERCARD

SCHOLARSHIPS: 18 Days Left!

LIBRO COMMUNITY BUILDER SCHOLARSHIP PROGRAM

MYUNITED STUDENT AWARDS

TWISTED TALENT VIDEO

TWISTED TALENT CONTEST!

ENTRY PHASE: NOW until MONDAY JUNE 25

VOTING PHASE: JUNE 26 to JULY 9

WINNERS ANNOUNCED: WEDNESDAY JULY 11

TOP PRIZE: $500 CASHSECOND PRIZE: $250 CASHTHIRD PRIZE: $150 CASH

Living Young & Free Show Episode 061: Side Business, Impulse Saving and Lessons Learned

NEW CU Branches Announced!

The Importance Of Saving For School

Where Do We Spend Our $$?

CUs vs. BANKs

TOP PRIZE: $500 CASH
SECOND PRIZE: $250 CASH
THIRD PRIZE: $150 CASH