Chapter 1:	Why You Need to Know	9
Chapter 2:	The Start of Credit	12
Chapter 3:	Credit 101	15
	The What & How	16
	Payday Loans - The Short-term Industry	17
	The First-Timers	19
Chapter 4:	Credit Cards	23
	Card Categories	28
	Credit Limits	30
	Annual Fees	33
	The Free Grace Period	34
	Understanding Credit Card Interest	35
	The Cheap Promotional Rate	38
	Congratulations! You're Pre-selected	39
	Killing Your Credit Card	40
Chapter 5:	Furniture, Fridges and Other Loans	41
	Can You Afford It?	44
	What's Your Net Worth?	46
	Collateral	46
	If They Say No	47
	Buy Now - Pay Later	49
	No Interest Promotions	50
	No Down Payments	51
	No Payments - For a While	52
	Common Finance Arrangements	53

	The Fine Print of Advertisements	56
	Are Lower Rates Really Cheaper?	57
	Borrowing From Friends or Relatives	58
	Don't Forget!	59
Chapter 6:	Automotible Loans	60
	Buy New or Used?	64
	Take the Rebate or Cool Rate?	66
	Down Payments	68
	Zero Percent Financing	69
	Do Not Pay Until 2015	70
	All Those Other Gimmicks	71
	Balloon Financing	76
	Where to Finance	77
	Leasing Made Simple	78
Chapter 7:	Lines of Credit	84
	Secured Lines	86
	Using a Credit Line for Your Mortgage	87
	The Risk of Using Them	88
Chapter 8:	Mortgages	92
	Shopping for a Mortgage	93
	What Happens When You Apply?	98
	Open or Closed?	99
	Amortization vs. the Term	100
	Common Mortgage Types	101
	Mortgage Insurance	103

	Mortgage Rates	105
	The Questions You've Gotta Ask	107
	Changing Your Mortgage	109
	Paying More - Paying More Often	112
	Home Equity Lines of Credit	115
Chapter 9:	Your Credit Bureau File	116
	What's in Your File	117
	What a File Looks Like	118
	How to Check your Information	120
	Mistakes to Look for	120
	How to Fix Stuff	121
	Credit Problems & Repairs	123
	What are Credit References?	126
Chapter 10:	Credit Scoring	127
	The Scorecard Model	128
	Why Your Score Matters	130
	Your Beacon Score	133
Chapter 11:	Budget Stuff	134
Chapter 12:	Debt	139
	Building Financial Success	141
	Is There Good Debt?	143
	It All Starts With a Game-plan	146
	Bad Debt Traps	153
Chapter 13:	SMART aka: Life after Debt	155
Appendixes		162

	Definitions	162
	Statement of Assets & Liabilities	165
	Debt Service & Income Worksheet	166
	Budget worksheet	167
	Mortgage Homework Check-list	169
	Promissory Note	171
	Contact Information	172
	Credit Counseling Agencies	172
	Schedule I Banks in Canada	173
	Credit Unions & Locator	174
	Credit Bureaus	175
	Principal Issuers of Visa and MasterCard	176
Reference Tables & Charts		177
	Credit Card Payment & Savings Calculator	177
	Credit Card Issuers & Comparisons	180
	Low Rate Cards	180
	Standard Rate Cards	181
	Retail & Secured Cards	183
	Student Cards	184
	Finance Payment Tables	185
	Mortgage Payment Tables	190

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