Some Thoughts & Links During COVID-19

First, keep your eyes on Jesus.

Peace I leave with you; my peace I give to you. Not as the world gives do I give to you.  Let now your hearts be troubled, neither let them be afraid.”  – 1 John 14:27

“Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.  And the peace of God, which surpasses all understanding, will guard your heart and your minds in Christ Jesus.” – Philippians 4: 6 – 7

Second, be gracious as you interact with people whether in the store, gas stations, pharmacies, take-out food services and other essential service providers.  Take a moment to thank them for working and providing services to you and so many others.

Thirdly, do not give in to fear and pressure tactics to purchase insurance products and other products or services that will increase your expenses.

Lastly, consider those around you in your extended family, neighborhoods and communities who could use a friendly voice, helping hand or a listening ear or word of encouragement.  Remember Jesus’ words in Matthew 10:42 “And if anyone gives even a cup of cold water to one of these little ones who is my disciple, truly I tell you, that person will certainly not lose their reward.”

We pray that you, your family and loved ones remain healthy and safe during this time.

 


Thriving During Challenging Times – Ray Borg, April 2020


 

 

Some  helpful resources and tips for this time

 
1) A comprehensive guide for financial assistance in Canada has been posted by the CBC.  Read further 

 

2) Dr. Jennifer Robson, Associate Professor of Political Management at Carleton University has compiled a document in plain-language of useful information during COVID-19.  Dr Robson is not affiliated with this website or its publishers.  CLICK HERE to read document and to find helpful resources. 

3) Some further ideas from Compass Canada:

Filing of 2019 Taxes – Although the deadline for filing has been pushed back until June 1, 2020, it is suggested that you do not delay in filing them.  Even though the deadline for filing has been pushed back, if you delay filing your taxes, you will delay benefiting from some of the incentives the government has put in place to assist people through this difficult time. The GSTC (GST credit) is dependent upon your tax return being filed as is the CCB (Canada Child Benefit). 

Should you be looking for additional tips on accessing benefits and relief, you are encouraged to register at CRA My Account, My Service Canada Account and, if applicable, with your mortgage lender. By establishing an on-line presence, you will be informed of any changes and if your situation changes you have direct access to relief. 

Financial Assistance – For the latest financial assistance available during this time check out:   https://www.canada.ca/en/department-finance/economic-response-plan.html 

Hydro – reduction of daily use rates for Hydro One & the Pandemic Relief Fund. For further information check out: https://www.hydroone.com/

Check out your local hydro company to see what assistance they may provide.

Enbridge Gas – check out their website at:  https://www.enbridgegas.com/covid-19

Cell Phone Providers – check out this website for details: https://www.whistleout.ca/CellPhones/Guides/covid-19-mobile-carrier-response

Cable TV Companies – check out this website for helpful information: https://thelogic.co/news/suspending-data-caps-offering-bill-relief-how-22-canadian-internet-service-providers-are-responding-to-the-pandemic/

Credit Cards – contact your credit card company to find out how much of a rate cut has been provided.

Mortgages – many banks and mortgage companies are providing assistance to customers to address the current crisis. Please contact your bank, mortgage company or mortgage broker for advice and assistance.  Please refer to the following for some information that you may find helpful: https://rates.ca/resources/mortgage-lenders-covid-19-announcements/

Some important things to do in relation to your mortgage: 1) let the lender know well in advance of any issues with payment, and 2) establish an online link with the bank/lender.  Many have an option to “skip-a-payment” but you need to be registered online and then it can be as simple as clicking month-by-month, up to 6 months.  By registering online, you also have access to up-to-the-minute changes in processing, BUT you still have to be diligent – it falls back on the client who is ultimately responsible for letting the lender know about difficulties with making payments.

*the websites suggested are for information only and have not been verified.