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HELPING WATERLOO REGION BE RESILIENT TO CLIMATE CHANGE IMPACTS
How to use this toolkit – see inside cover
This section has two focuses. The fi rst is on knowledge that you as an
individual can gain that will help you address coming climate change
impacts. The second is on actions you can take inside your home whether
rented or owned. These actions include changing material aspects of
your home as well as changing your behaviour and habits while using
resources in your home.
Reduce your electricity and energy dependenceClimate change impacts such as more
extreme weather events could lead to
more frequent and longer power outages
and higher fuel prices. Here are some
actions you can take to increase your
ability to function with less or no energy:
Adjust the temperature of your home
Cost: 0 | Time: >
Change the temperature setting
closer to the outside temperature;
even one degree will save energy.
If your thermostat is programmable,
consider programming it to
automatically change the temperature
to save energy when you are usually
out of your home or asleep.
Your Home | Climate Change Adaptation Toolkit 4
Use less energy in your home
Cost: $ | Time: >
Switch from incandescent to compact
fl uorescent bulbs and/or LEDs.
Cook using smaller appliances such
as your barbeque, an electric kettle,
a microwave, or toaster oven rather
than using your oven or stovetop that
use more energy.
Plan ahead and make many meals at
one time for the whole week (uses
the stove/oven less).
Unplug appliances that are not in use
& make other small changes to easily
conserve energy such as locating
work areas near natural light.
When upgrading systems and
appliances try to move towards
more passive methods (e.g. installing
fans instead of air conditioning) and
utilizing energy and resource saving
settings.
Your Home
Know your home
Cost: $ | Time: >>
Understand appliances, spaces,
and systems so you can restart
everything after extended power
outages.
Pay attention to changes and
address them before they become
serious problems (e.g. new wet spot
on basement wall).
Diagram your home energy system
Cost: $$ | Time: >>
Check out CREW Power $aving
Network Electricity Self-Audit
Toolkit from your local library (see
Resources).
Map out all your energy using
systems. Make sure you understand
how your systems are all interrelated.
Include aspects like heat and light
outputs in your document/diagram.
Service your appliances regularly
Cost: $$$ | Time: >>
Appliances that run well are more
effi cient and require less energy
than poorly working ones.
Be aware of when savings might
make it worth upgrading (see
Resources under Natural Resource
Canada).
Make an energy plan
Cost: $ | Time: >>>
Plan for how your household can
function for long periods of time
with unpredictable or no energy
and/or high heat conditions.
Make an appointment with REEP to
get a home energy evaluation that
can tell you what you can change to
save energy and money
(see Resources).
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Asset classes Fund name
Money Market RBC Canadian Money Market GIF
Fixed Income
RBC Canadian Short-Term Income GIFRBC Bond GIFRBC PH&N Total Return Bond GIFRBC Global Bond GIF
BalancedRBC Balanced GIFRBC PH&N Monthly Income GIFRBC Global Balanced GIF*
Canadian Equity RBC Canadian Dividend GIFRBC Canadian Equity GIFRBC O’Shaughnessy All-Canadian Equity GIF
North American Equity RBC North American Growth GIF
U.S. Equity
RBC U.S. Dividend GIF**RBC U.S. Equity GIFRBC O’Shaughnessy U.S. Value GIFRBC U.S. Mid-Cap Equity GIF
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With approximately $250 billion in assets under management, RBC Global Asset Management Inc. is one of Canada’s leading money managers. The firm has one of the most experienced teams in the industry with more than 200 employees and 60 investment professionals in major global financial centres. Over many years, RBC Global Asset Management Inc. has created a proven track record of investment results.
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Phone (302) 892-6900 Toll-Free (800) 441-7698www.rbctrust.com
This brochure has been issued by RBC Trust Company (Delaware) Limited, a non-depository trust company regulated by the Delaware State Bank Commissioner. You should carefully read any risk warnings or regulatory disclosures in this brochure or any other literature enclosed with this brochure or forwarded to you by RBC Trust Company (Delaware) Limited, its subsidiaries or affiliates.
Some of the services detailed in this brochure are not offered in all state or foreign jurisdictions and may not be available to you. This document does not constitute an invitation to buy or the solicitation of an offer to sell securities or any other products or services in any jurisdiction to any person to whom it is unlawful to make such a solicitation in such jurisdiction. Consult with your financial advisor before making your investment decisions. This brochure is intended as general information only and is not intended as taxation, legal, investment or other professional advice. You should always obtain independent professional advice particular to your individual circumstances.
RBC Trust Company (Delaware) Limited, and its affiliates and subsidiaries and their officers, directors, employees and agents are not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your reliance on the brochure, even if the RBC Trust Company (Delaware) Limited, its affiliates or subsidiaries or their officers, directors, employees or agents have been advised of the possibility of these damages.
Investment management products and services described in this brochure are not deposits, are not insured by the Federal Deposit Insurance Corporation or other similar institution, may lose value and contain no bank guarantee. Past performance is not necessarily a guide to future performance and any exposure to foreign currencies may cause additional fluctuation in the value of any investment.
IRS Circular 230 Notice: To insure compliance with requirements imposed by the IRS, we inform you that in compliance with the US Federal Tax Regulations, unless expressly stated in writing otherwise, any discussion of tax matters contained in this communication, (or any attachment hereto), is not intended, or written to be used as, and can not be used as, or considered to be a “covered opinion,” or other written tax advice, and should not be relied upon by any person for the purpose of (i) avoiding any IRC related penalties that may be imposed on a taxpayer or (ii) promoting, marketing or recommending to another party any transaction or tax related matter(s) addressed herein (or attachments hereto) for IRS audit, tax dispute or any other purpose.® Registered Trademark of Royal Bank of Canada. Used under license.
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Your guide to one of the most valuable financial planning tools available today
RBC Wealth Management Dominion Securities Client Guide
WELCOME TO RBC DOMINION SECURITIES
A guide for clients
Professional Wealth Management Since 1901
RBC Dominion Securities Inc.
To help you manage your financial affairs, your RBC Dominion Securities
advisor provides access to a wide range of services in addition to investment
management. Designed to complement your investment strategy, these
services include financial planning, insurance-based wealth protection,
estate-planning services, charitable foundations and more. We also offer
secure online account access and paperless eStatements through our private
client website, DS Online. Please ask your advisor for more information
about any of our services.
Simplify Your BankingPreserve Your WealthMinimize Your Taxes
When providing financial planning services, or engaging in any mutual fund related discussions or activity, private bankers are acting on behalf of Royal Mutual Funds Inc. Products and services such asGICs, personal and business banking, loans, and credit are deposit products provided through Royal Bank of Canada. Royal Mutual Funds Inc. and Royal Bank of Canada are separate legal entities that areaffiliated. Certain services may be provided by member companies of RBC Investments. Royal Mutual Funds Inc. is licensed as a financial services firm in the province ofQuebec. ® Registered trademark ofRoyal Bank of Canada. RBC Investments is a registered trademark of Royal Bank of Canada. © Royal Bank of Canada 2007. All rights reserved.
Tailored Wealth Management for Individuals, their Familiesand their Businesses
For more information, contact Paul Coleman at 604-665-4028 orvisit us online at www.rbcinvestments.com
Life is demanding enough. Managing your finances shouldn’thave to be. Your RBC® Private Banker will take the time tounderstand your personal, family and business needs, and thencraft an integrated, tax-effective financial strategy specifically foryou. If you wish, your Private Banker will liaise with your otherprofessional advisors to ensure a complete financial solution.And as an RBC private client, you receive high-contact,responsive service at all times.
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