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  • Library

    Libro is building a library of good ideas.

    And we're sharing it with everyone who banks with us along with those who are considering it. There are work-sheets, lists, links and in-depth information; everything you need to either feel great about your financial situation or improve it. Start by taking a quick tour of each following section. Share what you find with friends, neighbours and relatives. And let's help everyone learn to own their lives.

    Be Libro

    10 Reasons to Be Libro

    It’s the passion, boldness and enthusiasm that form the foundation of who we are.

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    The Nine Principles

    On the technical side, we might be on the same level as a bank, but here are nine principles that set us apart.

    Learn More (pdf)

    Profit Sharing

    Libro is a co-operative, which means you have a say in how the business is run and you share in the profit.

    Learn More (pdf)

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    Financial Planning

    Coaching

    We think Coaching is what makes Libro truly different – it can make a difference in your personal life, your business, or both.

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    Compound Interest

    Financial fortune can be produced with one easy formula: patience, time, and the power of compounding.

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    CRA Online Tools

    CRA My Account allows you to register an account online to view your past contributions, limits and other information you need to plan for the upcoming year.

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    Deferred Pension or Commuted Value Transfer

    Should I take the pension option from my employer, or the commuted value? What do I need to consider?

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    Dollar-Cost Averaging

    Dollar-cost averaging is an investment technique that means buying equal dollar amounts of a given investment on a regular basis.

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    Estate Checklist

    You can work together with your Libro Coach to build an estate plan which will provide for your loved ones.

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    Estate Organizer

    The estate organizer gives you the ability to store your personal and financial information in one place.

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    Estate Trustee

    Learn about Estate Trustees, what they do and what stipulations exist for their protection.

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    Financial Happiness

    A simple checklist of things that will help you manage your finances and invest in your future.

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    Insurance Planning

    Making sure your insurance needs are met generally falls in the same place on your to-do list as creating a will.

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    Joint Ownership

    Joint ownership is a popular type of ownership for various types of property including real estate, bank accounts, GICs, term deposits, etc.

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    Power of Attorney

    Establishing your own power of attorney is an important part of taking financial control.

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    RDSPs

    The federal government offers a program to help parents/guardians save for the financial security of a loved one with mental/physical impairment.

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    RESPs

    Are you a parent or grandparent? Then you probably know that post-secondary education has become a big-ticket item.

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    Retirement Checklist

    Bring this information to Libro and work with your Libro Coach to get your retirement date.

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    RRSP & RRIF Beneficiary

    Appointing the beneficiary or beneficiaries of your registered retirement savings requires careful consideration.

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    The Difference Between RRSPs & TFSAs

    Registered Retirement Savings Plans and Tax-Free Savings Accounts are both savings plans registered with the Canadian Government.

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    RRSP vs Mortgage Debate

    With limited savings, the average Canadian struggles with the same question year after year, should I pay down my mortgage first, or invest in RRSPs?

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    Savings

    Saving money is a skill we all wish we were better at. The Coaches at Libro have pulled together ten simple steps to help you hone your savings skills.

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    Savings for Singles

    According to Statistics Canada, singles are now the official majority with 52% of Canadian households being headed by single people.

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    Snow Bird Tips

    Heading somewhere warm and sunny for the winter? Here is some advice for a worry free time away.

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    Tax Efficient Pension Income

    You’ve been saving for that day when you finally decide it is time to make the transition from work to retirement.

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    Tax Loss Planning

    It’s a painful experience to watch an investment go down in value, but it’s something that happens.

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    Tax-Free Savings Account

    The Tax-Free Savings Account (TFSA) is a savings program to help you pay less tax on your savings.

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    Wills

    Think of a will this way: If you die without one, your assets are disposed of according to provincial intestate succession law.

    Learn More (pdf)

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    Borrowing & Mortgages

    Construction Mortgages

    While building your dream home is exciting and rewarding, it can present some complicated challenges – both with finances and schedules.

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    Credit Scores

    Your credit score will help the lender to determine how much you can borrow and what the terms will be.

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    First Time Home Buyers Checklist

    Many costs can take unprepared home buyers by surprise – whether they are unexpected, or unexpectedly large.

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    Tips for First Time Home Buyers

    Purchasing your first time? Here are some helpful tips to get you started.

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    Home Renovations

    Before starting a major home renovation take a moment to think about the entire process.

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    Purchase Plus Improvements

    It's possible to get an insured low down-payment mortgage that will cover the purchase price as well as the cost of repairs or renovations.

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    Title Insured Mortgages

    Title insurance offers one way to protect your home and safeguard your future.

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    Top 10 Reasons to get a Libro Mortgage

    Libro takes the financial stress and surprise out of the home-buying process.

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    ^ Table of Contents

    Business & Farm

    Business Banking at Libro

    Required documentation and information for business banking with Libro.

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    Business Planning

    As you build and grow your business you have more to think about than when you started.

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    Business Services Overview

    Libro has lots to offer new and established businesses on a day-to-day basis.

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    The Nine Principles

    On the technical side, we might be on the same level as a bank, but here are nine principles that set us apart. These principles are what makes Libro unique.

    Learn More (pdf)

    5 Steps to Follow If You're a Victim of Fraud

    You may be a victim of fraud and not even know it. Learn how to recognize it, report it and stop it. 5 steps to follow if you are a victim of fraud.

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    Preventing Cheque Fraud

    Although there are many variations to these frauds, one common trait is that they all seem too good to be true, and they usually are!

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    Preventing Wire Transfer Fraud

    Losses are preventable with appropriate policies and procedures, Owner training and awareness, and monitoring of accounts.

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    Skimming Kit

    This package includes information about the threats associated with debit card skimming, and the necessary tools to detect skimming devices and prevent skimming attacks at your business.

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    Top 5 Fraud Trends

    Fraud can take on many forms and unless you're aware of them you may become an unfortunate victim of fraud yourself.

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    What is Libro Doing to Protect You from Fraud

    What is Libro doing to protect you from fraud? Utilizing modern technologies, like chip technology and enhanced security, to minimize your risk.

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