You may have both a Government Student Loan and a Student Line of Credit if you qualify.

The banks allow students to defer payment of principal for up to one year after graduation. Although you must make interest payments on the borrowed amount during this period, you have time to complete your studies and find employment before starting to repay the principal.

Visit the following financial institutions for specific details:

TD Canada Trust

BMO

CIBC

National Bank

Laurentian Bank

Royal Bank

ScotiaBank

Most scholarships are awarded on the basis of excellence in a particular area such as academics or sports.

Visit CanLearn's Scholarship Search, to access Canada's largest collection of scholarships.

The Government of Canada provides scholarships and bursaries through the Canada Millennium Scholarships Program (including the Millennium Bursary, Excellence Awards and Access Bursary).

The Canada Millennium Scholarship Foundation has delivered more than half a million bursaries and scholarships worth more than $2.2 billion to students across Canada since 2000. The Canada Millennium Scholarship Foundation is a private, independent organization created by an act of Parliament in 1998. It encourages Canadian students to strive for excellence and pursue their post-secondary studies. The Foundation distributes $325 million in the form of bursaries and scholarships each year throughout Canada.

Other Scholarships and Bursaries

The Government of Canada is the largest provider of financial assistance to Canadian students, but there are also other scholarships and bursaries available to support post-secondary education.

• your provincial or territorial student financial assistance office
• student financial aid offices of post-secondary institutions
• ScholarshipsCanada.com
• StudentAwards.com

How to find scholarships

• Register with Scholarship Search.
• Ask your high school guidance office for leads.
• Check with college/university financial aid (or scholarships and awards) offices.
• Read college and university course calendars.
• Check for in-course, faculty or program scholarships if you’re already in college or university.

Bursaries and Grants

A grant is funding given by governments to eligible students of certain groups who demonstrate need.

A bursary is money from governments, schools or private organizations that is given to students on the basis of financial need. Like grants, other factors such as good grades may play a role, too. Grants and bursaries do not have to be repaid.

Discover more about grants and bursaries for Canadian students:

• Apprenticeship Incentive Grant (AIG)
• Canada Study Grants and Canada Access Grants
• Canada Millennium Scholarship Foundation bursaries
• Provincial and territorial grants and bursaries
• Funding for studying abroad

Canada Study Grants and Canada Access Grants can provide money to:

• Students with Dependants
• Students with Permanent Disabilities
• Females Pursuing Doctoral Studies
• Students from Low-income Families
• High-need Part-time Students

Depending on the school or program, tuition can cost between $2,500 and $8,000 a year or more.

Determine Your Eligibility

Canada Student Loans are available for full-time and part-time study at designated schools (including certain postsecondary institutions outside of Canada). To find out more about student financial assistance available in your province or territory of permanent residence or visit CanLearn.ca.

To be eligible for a Canada Student Loan as a full-time student, you must meet all of the following conditions:

• You must be a Canadian citizen or a permanent resident of Canada, or be designated as a Protected Person.
• You must be a permanent resident of a province or territory that issues Canada Student Loans.
• You must demonstrate financial need.
• You must be enrolled in at least 60 percent of a full course load (students with permanent disabilities must enrol in at least 40 percent of a full course load).
• You must be enrolled in a degree, diploma or certificate program of at least 12 weeks of training and study within 15 consecutive weeks at a designated post-secondary educational institution.
• You must pass a credit check if you’re 22 years of age or older and applying for a Canada Student Loan for the first time.
• You must maintain a satisfactory scholastic standard if you’ve already applied for and received a Canada Student Loan.

Application Process

You must apply for the Canada Student Loan through your provincial or territorial student financial assistance office. Applications can be completed online in most provinces.

Applications are available through your high school, post-secondary institution or the Student Assistance Office of your province or territory of residence—many provinces and territories now offer online applications. In general, student loan applications are assessed within 4 to 6 weeks while online applications are often processed more quickly.

It is possible to obtain a full-time Canada Student Loan to attend a post-secondary institution outside of Canada if you plan on studying abroad. You must first contact your Provincial or Territorial Student Assistance Office to determine whether the institution you wish to attend is recognized as a Designated Institution.

Receiving Financial Assistance

A letter of assessment from the provincial or territorial student financial assistance office will be provided to you. Once you have received this assessment two things must happen:

1.  Your school must confirm that you are enrolled.

The Certificate/Student Loan Agreement is valid for only 30 days from the date it is signed by your school and no later than the end of the month shown as the “Period of Study End Date”.

2.  You must read, review, and sign your documents.

        When you sign your loan document, you agree to be bound by those terms and conditions.  They include important commitments, such as:

• you agree to repay your loan (plus interest) beginning 6 months after your studies have ended or after you have left school
• you agree to advise the NSLSC (for federal loans) of any change in contact information
• you acknowledge that for 6 months after you have completed your studies or left school, you will not be required to make payments. Interest, however, will start to accumulate on your loans.

Bring your completed document to the NSLSC at either a Designated Canada Post Outlet or an on-campus NSLSC kiosk.

Normally, your loan amounts will be disbursed twice througout the year depending on the time you applied. 1 during your first term, and 1 during your second term.

Interest

Full-time students: Government student loan programs don’t charge interest until you have left school. Interest accumulates from the month after you leave school, but payments are only required 6 months after.

Part-time students:  Interest accrues and must be paid on part-time Canada Student Loans while you're in school.

Contact Information

• Newfoundland and Labrador
  Student Aid Division
  Tel.: 709-729-5849
  Fax: 709-729-2298
  Toll-free: 1-888-657-0800
  www.edu.gov.nl.ca/studentaid/

• Prince Edward Island
  Student Financial Services
  Tel.: 902-368-4640
  www.studentloan.pe.ca

• Nova Scotia
  Student Assistance Office
  Tel.: 902-424-8420
  Toll-free: 1-800-565-8420 (within Canada)
  TTY: 902-424-2058
  www.studentloans.ednet.ns.ca

• New Brunswick
  Student Financial Services
  Tel.: 506-453-2577 (Fredricton area)
  Toll-free: 1-800-667-5626
  www.studentaid.gnb.ca

• *Quebec
  Aide financière aux études (AFE) reception and enquiries desk
  Tel.: 418-643-3750
  Toll-free: 1-877-643-3750 (within Canada/US)
  www.afe.gouv.qc.ca/en/index.asp

• Ontario
  Student Support Branch
  Tel.: 807-343-7260 (Ontario students attending a post-secondary institution outside Ontario)
  Students attending a post-secondary institution in Ontario must contact the financial aid office at their post-secondary institution for assistance.
  Tel.: 1-866-330-3331 (automated telephone voice response system for status of application; available only in Canada)
  TDD/TTY: 1-800-465-3958
  http://osap.gov.on.ca

• Manitoba
  Student Aid Branch
  Tel.: 204-945-6321
  Tel.: 204-945-2313 (outside Manitoba)
  Toll-free: 1-800-204-1685 (within Manitoba)
  TTY: 1-866-209-0696 (within North America)
  www.manitobastudentaid.ca

• Saskatchewan
  Student Financial Assistance Branch
  Tel.: 306-787-5620 (Regina area and outside Canada)
  Toll-free: 1-800-597-8278
  www.student-loans.sk.ca

• Alberta
  Student Funding Contact Centre
  Tel.: 780-427-3722 (Edmonton)
  Toll-free: 1-800-222-6485 (in Canada)
  www.alis.gov.ab.ca/studentsfinance/main.asp

• British Columbia
  Student Aid BC
  Tel.: 250-387-6100 (Victoria area)
  Tel.: 604-660-2610 (Lower Mainland)
  Toll-free: 1-800-561-1818 (anywhere else in Canada/US)
  TTY: 250-952-6832
  www.studentaidbc.ca

• Yukon
  Students Financial Services
  Tel.: 867-667-5929
  Toll-free: 1-800-661-0408 local 5929 (within Yukon)
  www.education.gov.yk.ca/advanceded/sfa/

• *Northwest Territories
  Student Financial Assistance
  Tel.: 867-873-7190
  Toll-free: 1-800-661-0793
  www.nwtsfa.gov.nt.ca

• *Nunavut
  Student Assistance Office
  Toll-free: 1-877-860-0680 (can be used locally)
  Tel.: 867-473-2600 (Baffin)
  Toll-free: 1-800-567-1514 (Baffin)
  Tel.: 867-645-5040 (Kivalliq)
  Toll-free 1-800-953-8516 (Kivalliq)
  Tel.: 867-983-4031 (Kitikmeot)
  Toll-free: 1-800-661-0845 (Kitikmeot)
  www.gov.nu.ca/education/eng

Updated 12/25/07

5.30% OneUnited Unity Gold E-Savings
$1K to open | $1K to earn stated interest | No fees

5.22% UFB Direct Absolute Savings
$1 to open | $1 to earn interest | No fees

5.11% AmTrust Direct e-Money Market
$1 to open | $1 to earn stated interest | No fees
Note: Rate shown is stated as a promo rate that is fixed for 90 days

5.05% FNBO Direct Online Savings
$1 to open | No min to earn interest | No fees

5.05% E*TRADE Complete Savings
$1 to open | No min to earn interest | No fees

5.05% BancoFortuna Fortuna Savings
$1 to open | No min to earn interest | No fees
Note: English and Spanish versions of the site are available; an online offering from Emigrant Bank

5.00% Savings Square Square Savings Account
No minimum to open | No minimum to earn interest | No fees

5.00% ShoreBank High-Yield Savings
$1 to open | No min to earn interest | No fees
Note: $25 bonus available for new accounts; see fine print on site for promo code

5.00% Umbrella Bank Pot O'Gold Money Market
$1K to open | $1K min to earn stated interest | $1K to avoid fee of $10
Note: Balances less than $1,000 earn 0.60% and are subject to fee

4.90% Apple Bank Grand Yield Direct
$2500 to open | $1 to earn interest | No fees

4.90% iGObanking iGOSavings
No min to open | No min to earn interest | No fees

4.85% M&T Bank e-Money Market
$1 to open | $1 to earn stated interest | No fees

4.75% KeyDirect Signature Money Market Savings
$50 to open | .01 to earn interest | No fees

4.75% Amboy Direct Premium Savings
$1 to open | No min to earn interest | No fees

4.75% WaMu Online Savings
$1 to open | $1 to earn interest | No fees
Note: To earn this rate with this account you must open an online checking account in conjunction with the savings; otherwise, the online savings rate is a pitiful 0.25% APY

4.65% Emigrant Direct AmericanDream SavingsAccount
$1 to open | No min to earn interest | No fees
Note: SavingAdvice offers a sign-up bonus for new accounts

4.59% Ultima Bank Savings
$1K to open | $1K to earn stated interest | $1K min to avoid fee of $10

4.50% E-LOAN Online Savings
$5K to open | No min to earn interest | No fees
Note: Account may be closed if balance is less than $500 for 90 days

4.50% GMAC Bank Money Market Savings
$50 to open | $500 min to earn stated interest | $500 min to avoid $5.00-$7.50 fee

4.40% Presidential Bank Premier Savings
$5K to open | No min to earn interest | No fees

4.40% Capital One Direct High Yield Money Market
$1 to open | No min to earn interest | No fees

4.25% HSBC Direct Online Savings
$1 to open | $1 to earn interest | No fees

4.25% UnivestDirect Anytime Online Savings
$1 to open | $1 min to earn interest | No fees

4.10% ING Direct Orange Savings
$1 to open | No min to earn interest | No fees
Note: $25 bonus available for new accounts

        ING Direct Bank

         ING currently pays 4.30% standard rate - no minimum balance required. Everyone earns the same high yield.
         No Fees - every penny you deposit goes to work for you.
         No Changing Banks - the Orange Savings Account is linked to your checking account.
         24-hour Access To Your Account - you're always ready for opportunities.
         FDIC Insured- your money is always safe and secure.

Disclaimer: This listing is not intended to serve as a comprehensive guide to all terms on each of the listed accounts. Banks may change offers/terms at any time. Neither the poster nor this site are liable for any error, or unreported changes, in value, terms, or other details as listed here. Read each offer, account details, and terms of service on the institution's web site carefully when considering a new account.

[Source]

Rob Cockerham from 20/20 decided to do his own experiement backed with a roll of tape, a digital camera, a blog, and a lot of irritation from those unsolicitated credit cards. In order to mimick ID theft, Rob did some reconstruction of the Chase MasterCard. , He changed the address on the application, to see if Chase would mail the card directly to an identity thief.  And he used his cell phone number, much like a criminal would.  He documented it all, mailed it all in and wondered what would happen.

You can imagine what happened next, the card was received in the mail not much longer.

Take a look at the video.

The credit card company defended itself by saying the address Cockerham used was a former residence tied to his name in their records and that regardless of the state of the application, Cockerham would have received the card anyway. Chase spokesman Paul Hartwick called Cockerham's Web site an "Internet prank." The company, he said, takes fraud detection seriously and employs 1,000 people to "protect our customers."

In the past, credit card companies have been known to issue credit cards in false names such as "Never Waste Trees", as well as issuing credit cards to children and pets.

Cockerham said he got an anonymous e-mail in response to his blog from a credit card industry worker with a confession: His employer tells him to approve literally everything — even applications that come in with the words "stop sending me these."  The issuer figures the consumers might change their minds once they have their hands on the plastic, Cockerham relayed from the e-mail.

So for now, Cockerham has this advice for consumers who are equally frustrated by pre-approved credit card offers.  Tearing them up, it seems, isn't good enough.

"You should probably buy a shredder today," he said.

Learn how to get the loan you want, when you want it. Avoid the 5 most common reasons for credit denial, Improve your chances of getting the loan you need to buy that dream home, new car or to just payoff old debts.

The five most common reasons for credit denial based on a credit report are as follows:

Steps

1. Delinquent credit obligations. Late payments, bad debts, or legal judgments against you make you look like a risky customer. Get A copy of your credit report and remove any errors.
2. Credit application is incomplete. Perhaps you left out some important information or made an error on the application. Any large discrepancy between your application and your credit file can count against you. The lender will wonder if you are hiding something. Always double check your application.
3. Too many inquiries. Inquiries are made whenever you apply for credit. Requesting your own report also counts as an inquiry, but is usually not held against you. At the creditor’s discretion, as few as four inquiries within six months’ time may be considered a sign of excessive credit activity. The creditor may then presume that you are trying desperately to get credit and are being rejected elsewhere.
4. Errors in your credit file. These may arise simply from typing mistakes, or from confusing your name with someone else’s similar name. Since the credit bureaus handle millions of files, the possibility for error is substantial. Errors can be found and corrected only by carefully reviewing your file for accuracy at least once a year and then taking the necessary steps to correct any errors that you do find.
5. Insufficient credit file. Your credit history is too scanty for the type or amount of credit you requested. You need to develop your credit history more fully before qualifying for the level of credit you are now requesting.

 Tips

• Always examine your credit record before applying for credit, because you don't want any surprises and have a credit denial letter sent to you.
• A credit bureau may confuse you with another individual, carry erroneous information in your file, or perhaps include false, incomplete or one-sided information provided by a creditor.
• Most of these credit denial problems can be resolved once you understand the procedures.

• Periodic checking of your credit report is important because credit bureaus can and do make mistakes in their credit information.

This video says it all. (And I thought My credit cards were bad!)

Barclaycard Breathe:

• will only issue online statements 
• all advertising for the credit card will also be done online
• old credit cards will go into a recycling scheme
• the cards themselves will be made out of PETG, a greener alternative to traditional plastic
• Breathe cardholders will receive discounts and lower-rate borrowing when they buy energy saving products or services, such as public transport tickets
• Barclaycard also promises to donate 50% of its after-tax profits from Breathe to environmental projects around the world that are dedicated to reducing carbon emissions

Wells Fargo

• added eco-friendly choices for its reward card holders
• use points to back renewable-energy projects (points ranging from 5,000 to 10,000), to support the development of green power

Bank of America and Citibank

• plan to add green points this year or next

Bright Planet                                                                                  

• will soon introduce Bright Card, which will benefit clean-energy projects
• Earn 1 EarthSmart™ point for every $1 spent in net retail purchases.
• Points are automatically redeemed monthly to help fund renewable energy projects.
• Every 1,000 points will fund an estimated 1 ton of carbon offsets.
• Every 1,000 points is roughly equivalent to taking a car off the road for 2,000 miles, or powering and heating/cooling your home for a month.

Bank of America's WorldPoints Rewards

• use points to buy environmental merchandise
• eventually card holders will be able to donate points to groups that invest in greenhouse gas reduction

Citigroup

• a program of environmental projects that will include credit card green rewards
• its card rewards will soon add environmental products, such as compost systems and recycled milk-carton furniture

Affinity Cards

• provide donations to nonprofit organizations whose logo or image is featured on the card like…
• Amex RED

Salmon Nation Visa Card

• Half of the income generated for Shorebank from the card goes to "Salmon Nation" an economic, cultural and ecological community collective in the bioregion that contains Pacific salmon spawning grounds

• Help Support Salmon Nation

Submitted By: Dhananjayan S

What are you exactly looking for: Huge profits or marginal profits? You have money to invest ; Investing wisely can make you rich. The important things any investor needs to know are Risk, Duration, Returns and Liquidity.

Risk

Most people would like to get the best out of an investment. With every kind of investment there is some risk involved and knowing a few risks would help you manage the risks better.

•Inflation risk is your deposit keeping up with inflation. You may invest in a savings account, or certificate of deposit or bonds. When there is inflation in the economy your deposit is worth less than what you imagined it would be.

•Principal risk is a loss in the initial amount you invested. For example you buy stocks worth $5000 and the stock value has fallen and you find no other option but to sell rather than lose further. You sell all the stock at $2500.
The principal you lost is $2500. If you retain the stock you may still lose if the stock value falls further.

•Interest Rate risk is the fluctuation of the price of stocks or bonds due to a fluctuation in the rates of interest.

•Market risk is the factors outside the control of companies like changes in the economy, government policy or market trade.

•Credit risk is when you invest in bonds and the company is unable to make interest. They return your entire principal. Then your investment has not yielded returns.

Duration

Duration is as important a factor as risk in evaluating your investment. Duration is the time within which investors can get back their investments. Duration and risk determine the investment returns. Duration can be short term or long term and fixed or managed (by investor).

Returns

The Rate of Return (ROR), Return on investment (ROI) or simple return is the money earned or lost to the amount invested. This is a very popular metric used in financial analysis. It is simple and versatile. If an investment does not have a positive ROI then it is not worth investing in it. If the investment has greater ROI then those investments are a better option. Generally investments that involve greater risks are those which promise a greater ROI.

Liquidity

Any asset that you own, be it property, stock, bonds etc… can be converted into cash. Money in the form of cash is the most liquid asset. In case you cannot convert your bond to cash within the term then your asset is illiquid.

Tussle for returns

• Over the long term property and stocks have out performed all the other assets. Real estate grants and real estate software could help you in real estate investments.

• Treasury bonds and other government related bonds are the safest investment for long term benefits.

• A diversified portfolio is a less risky than a concentrated portfolio in one or a few investments. The margin of profits you make will also be counter balanced.

• If you are not sure opt for managed investments instead of direct investments. You would have to pay costs for the management of your investments.

• A bank account is a safe place for cash in case you do not want to choose a high risk investment. Banking services could cost you and so the choice of services could be the best deal you make.

• Credit unions, mutual funds, money market funds, brokerage cash-management account and other options are also available.

• Invest in the energy sector stocks. Oil, natural gas and related stock have risen enormously over the past few years.

• Hotel and travel is another popular target for investment options.

• Mortgage companies are also in the fray for investing your cash. But make a wise choice as many have acquired a dubious distinction of cheating customers.

• Computer related stocks like software, hardware and internet have seen gainers and losers. Big cap stocks like eBay and google are the best bet.

• Investing in gold, platinum or precious stones are also beneficial as these show signs of increase when the currency falls.

Prudence in some investments is always advisable. Learn how the investment market works and then invest.

Take a look at Tony Morrison’s airfare secrets. See, Tony Morrison is a real secret weapon when it comes to flying for no money or very little money compared to what you would normaly pay for a flight. Whenever I am about to fly back home I refer to everything Tony has to say and I suggest that you do the same thing. More so, whenever my partner wants to fly home, which is a 9 hour flight to Europe, Tony’s insights have proven to be invaluable in saving money on almost $1400 per person airplane tickets. This is why you should take a look Tony Morrison’s “Aifrare Secrets”, here.

1. Rule 240: This article from Aviation.com explains Rule 240: “that if an airline [can’t] get you to your destination on time, it [is] required to put you on a competitor’s flight if it would get you there faster than your original airline’s next flight.” - Northwest Airlines will put you on another airline, in first class if necessary, if your original flight is delayed 60 minutes or longer. (This rule may no longer exist but airline companies will provide alternatives…read Rule 240 article for further explaination).
2. Get better deals by not buying directly from the airline. This article, suggests contacting a travel and checking the newspaper for savings. Some agents have affiliate agreements with larger travel companies to negotiates lower rates on their behalf, “often, tour operators will advertise ridiculously low fares and package deals in the Sunday travel section.”
3. Fly First class at Coach Price. Coach tickets can be booked under codes like YUPP, QUPP, or Z, which award ticketholders automatic upgrades to first class. Rick Seaney, president of FareCompare, “a lot of times the YUPPs are matching some sort of low-cost carrier in a particular market.” According to the article, in 2006, a “round trip flight from Dallas to St. Louis on American Airlines, the YUPP fare is $278 — that’s nearly $1,500 cheaper than a regular seat in first class and more than a $1,000 less than the most expensive seat in coach.”
4. Find out which days equal the cheapest tickets. Wendy Perrin’s The Perrin Post “You’ll find cheaper fares and greater seat availability if you fly on a Saturday and return on a Tuesday, instead of going from Thursday to Sunday or Friday to Monday.”
5. Fly by less known airlines. You won’t be able to fly direct from some of these airlines, but a good way to travel on a budget.
6. Fly foreign. You may fly cheaper by flying with your destination airline than American.
7. Re-work your travel schedule. Arrange your travel schedule so that you’re always flying into the cheapest cities.
8. Understand refund policies. Simple
9. Buy consolidated. Buy your tickets from a consolidator. A guide found on wikiHow can walk you through step-by-step. HERE
10. Depart from a larger city to avoid bigger prices. Can save you hundreds of dollars verifying ticket prices and weighing out the costs.
11. Save hundreds of dollars on an international flight.
    Find out if it's a code share. When an airline and its foreign partner both sell seats on the same flight (making it a code share), one carrier's fares could be substantially lower, so check prices on both. The same seat on the same New York-Hong Kong flight could cost hundreds of dollars LESS.
12. Update:     Fly courier. This can save you half the cost if not allow you to even fly free! Read more about flying courier from my previous two articles HERE and HERE.

 Click below for Tony Morrison's

AIRFARE SECRETS