Escolar Documentos
Profissional Documentos
Cultura Documentos
Table of Contents
Section I: Overview
a) Financial Savings Planner Guide 3
Financial Planner Calendar Example Appendix A 51-55
b) Tax Returns 4
c) Social Assistance 4-7
d) Ontario Child Benefit 7
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Section 1: Overview
A) Financial Savings Planner Guide
Whether you’re working to save money for your family, your education or to get by, a
financial planner is very helpful. This section will help keep you on track with managing your
goal. The back on track program is designed differently for everyone and to accommodate you
and your needs.
Create a Calendar using the online portal found in the reference document.
TIPS
A Calendar and weekly planner helps to keep busy minds organized without feeling
overwhelmed.
Write everything down- all your goals, your to do’s and your bills.
Create small weekly goals which you can achieve.
Invite a friend to hold you accountable! Meet with them weekly or biweekly to give them
updates on how you are doing.
If you are self employed, keep all your receipts to save money during tax season.
If you’re behind on bills, call the companies to let them know you’re behind.
Communication is key!
Step by step, little by little work towards fixing your credit. Don’t be afraid to ask for
help.
Write down what you’re expecting to make, and see if there is any way to pick up extra
money. Every dollar counts! Babysitting, paper route, selling items on Kijiji are all
helpful ideas to making extra money.
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Tax Returns
Eventually it will be important to speak to an accountant when dealing with large sums of
money. Your accountant can assist you with your tax return which is required for applying for
loans or financial assistance. To find an accountant near you, visit
https://quickbooks.intuit.ca/find-an-accountant/
B) Social Assistance
Ontario has two social assistance programs to help eligible residents of Ontario who are in
financial need.
income support to help with the costs of basic needs, like food, clothing
and shelter
health benefits for clients and their families
Employment assistance to help clients find, prepare for and keep a job. This assistance may
include:
In most cases, a client must agree to participate in employment assistance activities in order to
receive financial assistance. Emergency assistance is also available to people who are in a crisis
or an emergency situation (e.g. people who have lost their homes, are leaving an abusive
relationship and/or are worried about their safety). To be eligible for Ontario Works you must:
live in Ontario
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be in financial need (your household doesn’t have sufficient financial resources to meet
basic living expenses)
be willing to make reasonable efforts to find, prepare for and keep a job (unless you have
specific circumstances that temporarily prevent you from doing so, such as an illness or
caregiving responsibilities)
Other adult members of your household must also agree to participate in employment assistance
activities. You can start the application process either online, by phone or in person.
Once you’ve started the process, an Ontario Works caseworker will contact you to schedule an
in-person meeting .You will be asked to bring specific documents to the meeting, so that the
caseworker can verify:
During your meeting, you will be asked to sign several forms, including a consent form that
gives the Ontario Works office permission to access information about you from other
government programs or organizations (e.g., Ministry of Transportation, Employment Insurance,
Equifax Canada). The Ontario Works office will use the information you provide, along with the
information from other organizations, to determine if you qualify for assistance. A decision will
be made within four business days from when you first contacted the office, as long as you have
provided all of the required information and completed the application. The results you get will
be based on the information you provide. That’s why it’s important to be as accurate as you can.
To answer the questions, you will need specific information about you and the family members
in your household. To find out if you might be eligible for any programs, you will need:
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It would also be helpful if you had the Social Insurance Number cards and the Ontario Health
cards for all family members in your household.
To fill out the full online application, you will need information from other documents, for
example:
birth certificate
immigration papers
tax returns.
It's a good idea to get these documents together before you start filling out the online application.
The Online Application for Social Assistance allows residents of Ontario to find out if they
might be eligible, and to start the application process, for:
Ontario Works can help you with the cost of food and housing if you are in temporary
financial need.
Temporary Care Assistance can help if you are looking after a child in financial need and
you are not the child’s birth or adoptive parent.
Ontario Disability Support Program can help you with the cost of food and housing if you
have a disability and are in financial need.
Note: The online application will only tell you if you may qualify financially for this
program. There are other steps you will need to take to see if you qualify medically.
Assistance for Children with Severe Disabilities can help with some of the extra costs of
caring for a child who has a severe disability.
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Note: The online application will only tell you if you may qualify financially for this
program. There are other steps you will need to take to see if you qualify medically
The Ontario Child Benefit provides a maximum payment of $1,356 per child per year. The chart
below estimates your payments.
Your actual monthly payments are determined by the Canada Revenue Agency (CRA). They are
based on your adjusted family net income on your annual income tax return.
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Generally, following are the minimum requirements for obtaining a driver’s license in Ontario:
You must be 16 years of age to be eligible (please note that the age requirement to pursue
a commercial driver's licence varies).
A newcomer to Ontario who holds any type of driver’s licence from another province or
country must apply for an Ontario driver’s licence within 60 days of moving to the
province.
You must pay the applicable fees. (Fees are subject to change without notice.)
You must pass a vision test, a knowledge test, and a road test(s)
B) Acceptable ID
To obtain your driver’s license, you must present acceptable, valid ID. Documents must be
original and valid. Copies, including certified copies, are not acceptable unless noted in the lists
below. To apply for an Ontario driver’s license at a DriveTest Centre, you will be required to
show proof of your:
Legal name
Date of birth (must state the day, month, and year of birth)
Signature
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Legal name is defined as the one registered at birth or the one changed legally through
adoption, court order/change of name certificate, or marriage. If there is a variation in the names
on the legal identification you present and the name that appears on your license, you will be
required to provide additional supporting documents to link the names together.
Proof of identity requirements can be met by presenting one or multiple documents, depending
on the level of detail available on the documents you choose to show. The following sections
and tables indicate the documentation (or combination of documents) that can be used with
your license application. Please note that, in all the following tables, the symbol • indicates a
particular piece of information is satisfied.
The following tables lists the types of identification that include all the information required to
apply for an Ontario driver’s license. One table is for Canadian citizens; the other table is for
permanent and temporary residents.
Canadian Citizens
Acceptable identity documents Legal name Date of birth Signature
Passport
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Passport
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Note: (•) Satisfies the signature data element only if Form 1442 has a pre-printed area for the
holder’s signature; otherwise, the applicant must provide another piece of acceptable
identification from list 2 to prove proof of signature
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If you do not have one of the acceptable ID documents from the tables above, a
combination of the following documents is also acceptable. In the following tables, two
documents are required to satisfy all three data elements (legal name, complete date of birth,
signature). Direct identification by a parent or guardian is not acceptable. You must present an
acceptable document with your signature. If there is a variation in the names on the legal
identification you present and the name that appears on your license, you must provide additional
supporting documents to link the names together.
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Support documents from the following table are required if one of the following scenarios
occurs:
If the name on the other identity documents is different from what you wish to appear on
your driver’s licence.
If the name differs between two identity documents you provide.
If the date of birth on the immigration paper(s) is incomplete or if it is not possible to
provide. government-issued documents to prove date of birth.
Please note that a snowmobile license cannot be used to fulfill the signature data element.
Marriage Certificate •
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Canadian or foreign
Canadian or foreign •
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F) Applicable Fees
The cost includes a knowledge test, a Class G2 road test (to $158.25
earn your G2 licence), and a five-year licence.
This fee is payable at the time of application.
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Each vision test takes only a few minutes, and any DriveTest customer service agent can
administer a test. Eye tests for driver’s license applicants involve:
Vision tests are completed at DriveTest Centres. ServiceOntario does not administer vision tests
for driver’s licences.
New drivers must take a knowledge test. People who are renewing or reinstating their license
may also need to take a knowledge test.
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This type of test is proctored at a DriveTest Centre to prevent misconduct among test
takers. Anyone discovered cheating or disrupting other test takers will be asked to leave the test
room, receive an unsuccessful mark, lose their test fee, and will have to wait until the following
day to rewrite the test.
Each knowledge test takes typically 20 to 30 minutes and has two or three sections (e.g.,
one section on signs and one section on rules of the road). You must earn a total score of at least
80% to pass the test. If you are unsuccessful, you can pay the fee and try again. Test results are
valid for one year. If you re-try the test within one year, you have to rewrite only the sections
that did not meet MTO standards.
Questions on the knowledge test are based on the official driver’s handbook for the class of
licence you want. While there is a partial version of the handbook on the MTO website, we
recommend purchasing or borrowing a printed copy of the driver’s handbook to study.
A Beginner Driver Education (BDE) course that has been approved by MTO can also teach
you the skills and attitudes you need to be a safe and responsible driver. These courses are
optional. However, if you choose to enroll, we recommend reviewing the MTO-approved driving
schools on the MTO website. A link to the official driver’s handbook is available at
https://www.ontario.ca/document/official-mto-drivers-handbook
I) Road Tests
To ensure the safest roads in North America, Ontario has a graduated licensing program
with two types of road tests for cars, small trucks, and vans – the Class G2 road test and the
Class G road test. Both tests enable professional driver examiners to assess your ability to apply
the rules of road, handle your vehicle, and demonstrate safe driving practices. Road tests for
classes G2 and G are available year-round.
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never driven before, you will be required to gain one year of driving experience before you
qualify for this test. If you take a course at an MTO-recognized driving school, your eligibility
requirement may be reduced by four months. See Car Licenses for details.
When you have met the mandatory wait periods and have enough experience, you can book a
road test. To book, you will require a driver’s license number and the ability to pay the fees.
Remember to write down the dates of your tests in your Financial calendar. Novice drivers in the
graduated licensing program may not book a road test after their driver’s license expiry
date. Book at https://www.drivetest.ca/book-a-road-test/booking.html#/validate-driver-email
Beginner Driver Education (BDE) courses are optional but recommended by the Ministry
of Transportation (MTO). Check out appropriate driving schools found on the
www.mto.gov.on.ca website. Before taking any road test, make sure you study the Official MTO
Driver’s Handbook available at https://www.ontario.ca/document/official-mto-drivers-handbook
The vehicle you use on the day of the test must be in Class G. In preparation, make any
required repairs and ensure the vehicle meets the minimum requirements and is in good working
order. Your road test could be declared “out-of-order” if the vehicle does not meet the standards.
DriveTest Centres do not provide vehicles. For the road test, you must bring a vehicle of the
appropriate class to the DriveTest Centre. The vehicle can be owned, borrowed, or rented. It does
not need to be a driver instructor’s vehicle. Low-speed vehicles (LSVs) cannot be used for road
tests. For more information about LSVs, please visit the MTO’s Low Speed Vehicles website.
As a preparatory measure, you should make plans for getting home after the road test if you are
unsuccessful. You may want to bring an accompanying driver or look for alternate
transportation.
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Please arrive at least 30 minutes early. Road tests take place in any weather, unless you
are otherwise notified. In the cases of extreme weather, your road test may be rescheduled or
postponed for safety. If the weather is bad or changeable, check the Service Disruptions page on
the day of your test. When you arrive for your test, please park your vehicle and go inside the
DriveTest Centre to check in. Most centers have a self-serve kiosk for check in; see a customer
service agent if yours does not. After check in, return to your vehicle and wait for the driver
examiner.
No pets or passengers other than the driver examiner are allowed in the vehicle during a
road test. Passengers will be asked to wait in designated, safe areas. Driver examiners are trained
to accommodate all customers, including people with disabilities. (Visit the Centre Accessibility
page to learn more.) Road test participants can, with consent, use a translator or driving
instructor during check in and at the post-test debrief.
Before you begin, the driver examiner will explain the test. The driver examiner is not
allowed to coach you, so if you have any questions, ask them before you begin. Before getting in
the vehicle, the driver examiner will walk around it to look for damage, safety hazards, and
obstacles to completing the test. The driver examiner may stop or refuse to start the test if:
While you are taking the test, the examiner will evaluate your skills according to set criteria and
complete a form/scoresheet. After the test, the driver examiner will give you a complete report of
your skills. After successful completion, you will receive a temporary driver's license, which is
valid for 90 days or until your permanent/official driver's license photo card arrives in the mail.
If you are unsuccessful, the report will show you where you need to improve. When you have
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had more practice, you can make an appointment to take the test again. You may take as many
road tests as you need to pass, provided your driver’s license is valid. Generally, you must wait
at least 10 days between tests. Applicable road test fees apply.
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By law, before you can drive a vehicle on Ontario roads, you need:
Your vehicle must also meet basic safety and emissions standards. If you get a vehicle used, it is
important that the vehicle first passes the emissions standards.
B) Insurance
All vehicles must be insured for third-party liability for at least $200,000. This covers
you in the event that you injure or kill someone or damage someone's property while driving.
Collision insurance to cover damage to your own vehicle is a good idea, but not required by law.
When driving your own or someone else's vehicle, you must carry the “pink slip” (liability
insurance card) for that particular vehicle. Some examples of insurance companies include:
The co-operators https://www.cooperators.ca/
Guarentee https://www.theguarantee.com/
State farm https://www.statefarm.ca/
C) Registering a Vehicle
When you register as the owner of a vehicle, you will get a green paper permit and
license plates. This process is called “registering” your vehicle. If you buy a vehicle from a
dealer: most dealers will do the paperwork for you. If you buy a used vehicle: you will need to
register the vehicle yourself. Vehicle registration is available at the ministry of transportation.
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You must carry your vehicle permit with you when you drive. You will be asked to
produce this permit — to verify that you are the legal owner of the car you are driving — if you
are pulled over by the police.
D) License Plates and Validation Stickers
To drive a vehicle on the roads, it needs to have:
license plates
a validation sticker showing the date of expiry
In Ontario, if you sell or change vehicles, you keep the license plates and put them on your new
vehicle. If you are not going to use your old license plates, you can return them to a
ServiceOntario center.
E) Vehicle Record (abstract)
A vehicle record (also called an “abstract”) is a document containing information about the
vehicle and its registered owner.
a vehicle description
the current — and any previous — plate number attached to the vehicle
the names of all current and previous registered owners
driver's licence and/or identification numbers of all current and previous registered
owners
date(s) the vehicle was registered to each owner
the vehicle status
You can request a variety of vehicle abstracts (e.g., vehicle history, license plate abstract)
depending on the type of information you want. Vehicle records can be certified or uncertified. A
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certified copy is the official record — issued by the Ministry of Transportation. You may need a
certified record for legal purposes.
By law, certain cars, vans, trucks, motorhomes and buses must pass a Drive Clean test
before they can be licensed to be driven on Ontario roads. The Drive Clean test determines if
your vehicle meets Ontario emissions standards. Before purchasing a used vehicle, buyers are
encouraged to check that vehicle's most recent Drive Clean test results on the Drive Clean
website. All you need is the vehicle identification number (VIN) to conduct this free search.
Although not required, you can also ask the vehicle seller to perform a Drive Clean emission test
and provide you with the results before buying the vehicle to ensure it does not have any
emissions problems. Note that if you purchase a vehicle with a conditional pass test result
received on or after April 1, 2017, you will need to make all required emissions repairs by your
next registration renewal date because your vehicle will not qualify for a consecutive conditional
pass. All 7+ year-old cars need to be tested for registration renewal every two years.
G) Credit
The following information is available on
https://smartasset.com/mortgage/what-credit-score-is-needed-to-buy-a-house
Credit is the ability of a customer to obtain goods or services before payment, based on
the trust that payment will be made in the future. The better credit you have, the more likely a car
dealership will allow you to lease a vehicle. A car lease lets you drive a new vehicle without
paying a large sum of cash or taking out a loan. To lease a car, you simply make a small down
payment — less than the typical 20% of a car's value you'd pay to buy– followed by monthly
payments for the term of the lease. When the term expires, you return the car. It is extremely
important to have credit in good standing when looking to lease a vehicle. Paying all your
current bills, such as phone bill, student loans and insurance on time builds good credit. Using
your financial savings planner, write down the due dates of all your bills and try your best to pay
on time. See Appendix A as an example. Credit is also important when it comes to getting a
credit card and renting or buying a home. Your credit score is a number between 300 and 850
that represents a person’s likeliness to pay off a loan. A higher number corresponds to higher
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creditworthiness, so a person with a FICO score of 850 is almost guaranteed to pay her debts,
whereas a person with a 300 is considered highly likely to miss payments. Step to your financial
advisor at your bank to fix your credit score, or simply start paying your bills on time.
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B) Identification
C) Proof of Income
Proof of income can come in the form of a tax return (see page 4), bank statements or pay stubs.
See Section V on how to find part time/ full time employment opportunities to get pay stubs.
D) Proof of Employment
Proof of employment can be either employee pay stubs or letters of employment. See Section V
E) Credit
Some, but not all properties ask for a credit check. If you don’t have good credit, they may ask
for a 3rd month of rent upon signing the lease. See page 24 on Credit.
Most properties require first and last months rent when signing the lease. It is important to keep a
receipt of this payment.
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G) Home Insurance
Some, but not all properties require home insurance. See page 22 for insurance companies.
Some, but not all properties require you to pay a direct deposit slip. If they require a direct
deposit slip, it’s very important to write down the rent due dates on your financial planner so that
you’re account doesn’t bounce resulting in an NSF fee in your bank account.
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Working at an established company helps secure proof of employment and adds to your
resume. Online websites, such as indeed.ca, monster.ca & jobbank.gc.ca list many part time or
full time opportunities. To apply to these jobs, it helps to have an up-to-date resume, work
experience, volunteer experience and educational background.
B) Volunteer Experience
Volunteer opportunities help fill out your resume without having actual work experience.
If you’re looking for a volunteering opportunity in your area check out sites such as:
www.ovcn.ca/
https://volunteer.ca/
https://ca.indeed.com/Volunteer-jobs-in-Ontario
https://www.kijiji.ca › Ontario › Community
Most, but not all jobs require a high school diploma and/or post – secondary education,
however if you don’t have a high school diploma you aren’t out of luck. See section VI on
Education.
D) Resume
Resume’s are extremely important when applying for a job. The information listed should
be accurate and tailored specifically to each job you apply for. Keep in mind all information can
be looked up and searched on the web including your name, email address and phone number.
To put your information in proper order, resume-now.com is a website used to make resumes
from a template.
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GED stands for General Education Development or General Education Diploma. The GED is an
internationally recognized test. If you pass the GED test, you will earn an Ontario High School
Equivalency Certificate. It can help you get a job or admission to an educational or training program. To
write the GED test, you must:
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B) Applying to College
Appendix B has all the contact and websites for Ontario Colleges. The college programs
range from a single course to 4 year programs. Some options are available online, and some are
in class. It’s important to write down the application deadline for the courses you would like to
take on the financial Planner Calendar, as well as the total amount of money for the course.
Mature student status may be granted to applicants who are over 19 years old and do not
have a high school diploma or GED. It is intended to allow applicants who have not completed
high school the opportunity to be considered for admission, based on the skills and experience
they have acquired since leaving school. Note that if you have completed high school, even
decades ago, you are still considered a high school graduate and you may not apply as a mature
student. Mature students are still required to complete course prerequisites. Exact requirements
may vary from college to college. Individual colleges may contact you with further instructions
on completing tests that may be required in the admission process. Please contact the college(s)
you are interested in to verify that you are eligible for mature student status and to learn the
specific requirements for the program(s) you are applying to.
D) Student Grants
https://www.canada.ca/en/services/benefits/education/grants.html
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Using this worksheet, write your life story in three parts: the past, the present & the
future. Life stories are used to help develop a sense of meaning which contributes to fulfillment.
Identify personal strengths in each of the three sections. In the future section write about what
your ideal future would look like
The Gratitude Journal worksheet begins with a one-page info sheet, followed by several
pages for journaling practice.
Core beliefs are the thoughts a person has that determine how they interpret their
experiences. Challenging negative core beliefs can help develop a healthier understanding of
yourself and the world around you.
Record three daily questions related to your successes, good qualities, and positive experiences.
The Coping Skills: Addictions worksheet organizes skills into five major categories:
Social support, diversions, building new habits, prevention, and managing emotions. Each
section provides a summary of the skill, and how it can be used to reduce the risk of relapse.
F) Triggers 42 &43
This worksheet was intentionally designed to be used with several different treatment
problems, such as anger, substance use, or relationships.
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Each page covers one of five problem solving steps with a rationale, tips, and questions. The
steps include defining the problem, generating solutions, choosing one solution, implementing
the solution, and reviewing the process.
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Canadian Dug Rehab can help you find a drug addiction or alcohol rehab center in the
following Ontario locations: Toronto, Ottawa, Kenora, Ajax, Barrie, Brampton, Burlington,
Cambridge, Cochrane, Dryden, Gravenhurst, Guelph, Kingston, Kitchener, London,
Mississauga, Milton, Niagara Falls, Oakville, Orillia, Oakville, Oshawa, Pembroke,
Peterborough, Richmond Hill, Sault St. Marie, St. Catherines, Timmons, Waterloo, Woodstock
& Windsor. Visit http://www.canadiandrugrehab.ca/ontario-drug-rehab/ to find a center near
you.
ShelterSafe.ca is an online resource to help women and their children seeking safety from
violence and abuse. The clickable map will serve as a fast resource to connect women with the
nearest shelter that can offer safety, hope and support. Their objective is to ensure that women
can seek safety when they need it. Sheltersafe.ca allows you to quickly identify a shelter in a
specific geographic area along with its 24 hour emergency phone number. We want to ensure
that women get the services they need as quickly as possible. Abused women are most at-risk of
extreme violence when they are preparing to leave an abusive relationship. This resource is for
women directly impacted by violence as well as for their concerned friends, family, colleagues
and employers. Sheltersafe.ca is an initiative of Women’s Shelters Canada.
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STIs are very common. Anyone having unprotected sex can get an STI. It makes no
difference if you're straight, lesbian, gay, bisexual, transgender, or questioning (LGBTQ). STIs
can be treated and managed. But if left untreated, they can cause serious health problems
including life-threatening infections and infertility.
Wearing condoms consistently and correctly during all types of sexual activities is the
only way to reduce your risk of getting an STI. You can get an STI by:
Some STIs don't show or cause any symptoms in the early stages. Even if you feel
perfectly fine, you could still pass an STI on to someone else if you have unprotected sex.
Always take steps to protect yourself and others by using condoms consistently and correctly
during sexual activity.
How to find out if you have an STI ?
There is only one way to be 100% sure. You have to take an STI test.
When to get tested?
After you’ve had unprotected sex (i.e., did not use the condom correctly and consistently or the
condom broke during the sexual activity).
Where to go for testing?
a sexual health clinic — you can request an anonymous test where you don’t have to give your
name or any personal information
your doctor or nurse practitioner
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Northern (Timmins)
www.northernc.on.ca
705.235.7222
admissions@northern.on.ca
Ridgetown (Ridgetown)
www.ridgetownc.uoguelph.ca
1.877.674.1610
baoneill@uoguelph.ca
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