Waterloo Public Library Digital Collections

Waterloo Chronicle (Waterloo, On1868), 13 Jun 2012, p. 17

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I ,, 77*â€"_â€"_â€"â€"-â€"â€"â€"-â€"â€"â€"â€"n ' mm-mhâ€"tsmz-n ‘ I Graduating into a new financial reality after school s out Graduatesface up to new need toaddress post-haste. post-grad. hill-time student. Provincial grace periods lieinglateordisorganizedwith yourpay- . . . varybyprovlncebut.lnsomecases.areas mentharmsyouraeditrating. financral obligations as they M Mr to... lense- year. figureoutwhattlteyowe Duringyourschoolyearsyoumyhave lookbrbanfmflveneasproyams and how {0 pay 1‘ Wk different loans with difierent lenders that Reach your financial and life goals by will requlre separate pay- Before beginningrepayrnent, checkyour starting now, with an effective personal onmtulations on your ments to each lender. eligibility for loan forgiveness and keep budget and saving plan. A graduation. We|c0me ‘ ‘ ‘ These tips will help you moremoneyinyourpocket. Makesureyou Evenwlthallthecompetingdemands on _ tothemalworld. * v managethem. ' applyifyouareeligible. yourlimttedlncome,thebeststrategytsto f ltsttmetopayhackthose \]()\]\ bulldaregularamountforsavinpintoyour loans you and your parents WWII)!!! (minimum monthly budget that rises as your income ‘ lined up to pay for your edu- increases. 1 cation. It can seem easier to con- You will be able to claim a non-refundâ€" Goodfinancial habitsarethekeytolong- I The average Snider“ grad- . solidate multiple student able federal tax credit of is per cent on the term financial m A professional advi- ‘ mates with 527.000 of debt g loans into onestandardloan interest youpayeachyearonyourstudent aorcanhelpyoumakeyourpersonalfinan- ‘ according to the Canadian ' and one simple payment. But loam chip-h. Federation of Students. consider that convenience But you can't claim the credit If your loan It's also time to find a job. 5.} might cost you more in the has been combined with another kind of pay '0' new W like fur- = long run. because student loan. niture and rent. and to put loans often charge a lower “0 money aside for bigger pur- interest rate than loans Watchmaetlltrathg mmumbymniemup chases to come. such as a car through a financial institu» WWW andmaybeahome. don. Importantlmmdentloan t WMWG‘BWCDMN Post-sud financial pres- RUSS history becomes part ofyour ”mire:- ammonium up» “If” an be MWhelm‘ns- W mmw it rating, Wm both for the grads and their “WW parents who may still be pro- v ‘ viding financial support. -‘ "' '%1€b***9‘* ~. ‘ w . The newly minted grad wants financial “Federal and provincial loan programsf ‘ WW: n x ’ ~ 7. ‘ 4 stabilit ° “'9'“ "a“ “Ming “WWW” » ~ v‘ St. A ‘ y and. sooner rather than later. studies before repayment is required. For w. «“95 financh independence. , Canada student loans. you must begin Here are the key financial issues you mm! six months after 0935118 to be a r FE a i.- ' r r- , ' V 7 SF ' r L I Mambella s looking to soc1al ‘ . . _ ana- use ‘ media to connect With customers ~ ‘ we . at?" ; Whom pg l6 pie coming in my doors.’ wider public that Mambel- 1‘ saidanbin la'sisavailableformostany '-"""â€" I 'Cateringhad gone down One way she sought to occasion. i i I'm ‘ :I .E alums met ”lg I a little bit. but the walk-in shake thing up was to con- For more information on WATERL 0 0N] ." so h New. remained strong} tact the local Small Business Mambella's, visit mambel- The walk-in business Centre and look for ways to Iasdelicafe.com. The webâ€" remained strong even dur- increase her exposure via site includes full menu and ingthemualsiowperiodsof her website and social cateringoptions Orristmas into January. media And you can still order \ ‘5: But when the major She found her Internet by BlackBerry. Brisbin car- -‘ C it management shakeup presence needed some defi- ties one of the devices " x . g ~51“: ‘ occurred in January. leading nite updating. proudly on herhip. ' s c :1 ’3' a?“ v' t to the departure of RIM CEO 'l'm very isolated here so 'I wouldn‘t know what to is“ ‘5 g , ‘ Q t Jim Balsillie, that's when her I have to let people know dowithout it.” shesaid. ‘-’ I k V '7 numbers started to take a that I'm here.’ said £3 x '5 hit. Mambella‘s ~We need -7- “‘3’ 5 4 7 March was slow and get on social media ‘ s ~ A - it _ 7 ‘9. . ; .T hf- ' * that's when the worry start- and start meeting our ‘ - j' "’ . ‘ ' ' ' ' ‘ edtosetin. dailyspecials. " . “v: A . a 'My walk-in started to But she said she's nun-”I. ”a.“ “WM“ slow down. and in April the "0' pm to aban- “martian-swarm: wan-mm” numbers were down again: do" h" loyal cus- - “maids-Mumpa-ssd Wicket-muscular” said Brisbin. 'We used to be tomers â€" she's just i , "mm m lined up for an hour. and looking for a few new if? E , 1 ' you couldn't get in here ones 0 ' " I . 0 0 m noon and . pm. ~o... cum...“ , ii? ,- Contnbute to the Waterloo Chronicle! ‘ 'l never thought this love US and ”I” I” ‘1 T; ‘ ‘ . '-----------â€"------â€"â€"----â€"-â€"--â€"-----â€"--‘ 1 would happen. and I think it our food because it's. ' l I a I Q lot of people in Waterloo fresh: said Brisbin. , x I :m' rd h b muhm M : l and Canada didn't think it “We make our own i - i would happen“ my beef. our [new ,. ‘24? : . O Midadmbrmmaidnsediua I yum : ‘ And while Brishin is con- balls. our sauce. ’ V I I'd ac to pay by 0 VISA 0 W I fident the high-tech giant is 'I really try to pro~ WWIMM I («if M“ I going to come out of this mote a really fresh Iii-dim“ : "â€" EXP. ‘_"-"â€"" : shakeup. the mini-RIM sandwich or meal MM ' Sim; I recession has her thinking made to order, and lib New...“ I I about ways to expand her just lately we started : m: â€"â€"-â€"â€"â€"â€"-â€"â€"â€"â€"_â€"___ : own client base and tap into thinking if welt: m m . a wider Waterloo market to survive this with “M : m' 'â€"_â€"â€"â€"-â€"â€"â€"_-â€" : . instead oi just focusing on 3 them.‘ a“ I City: . m M: â€"â€"-â€" m â€"_ I Which, And ‘he .i'n "III ”mu .--------â€"-----------â€"--------â€"---_-----J W“ I be ank- to hold on once encoruapd RIM an” . I . Tm- with them. because I have employees out from I! 1.5”“ rm 1': am Mr: WATERL O ONICIaE N'- 10 P" and ' "Rd W’- now remind”! "1° ammonia use“ an“. an. it. sua- save-too, on N21 ma I A_ 7 , 7 A l

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