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Whether it’s planning for retirement or paying monthly bills, Canadians are woefully unprepared for the future—and lack the skills necessary to make informed decisions when it comes to money and investing in the stock market.In fact, back in April, the Canadian government created a position to help address the country’s lack of financial literacy. Our basic lack of understanding of money management and the stock market are being blamed for poorly managed debt and insufficient retirement savings.This has contributed to Canadians being greatly unprepared for retirement. Roughly 40% of Canadians say they have no savings at all. More than half (54%) say it’s a real struggle or even impossible to save. (Source: ctvnews.ca, “More than one-third of Canadians have no savings,” April 20, 2011; www.ctvnews.ca/more-than-one-third-of-canadians-have-no-savings-1.633861.)And debt levels are rising. As of the second quarter of 2014, Canadian consumers owe $1.44 trillion, up from $1.42 trillion in the first quarter and $1.35 trillion a year ago. The average debt held by Canadians (excluding mortgages) is $20,759! (Source: theglobeandmail.com, “Canadians taking on more debt, but delinquency rate drops, report finds,” September 4, 2014; www.theglobeandmail.com/globe-investor/personal-finance/household-finances/canadians-taking-on-more-debt-but-delinquency-rate-drops-report-finds/article20343607./)The immediate future doesn’t look a lot brighter. Yes, the country’s economic outlook is encouraging, but the ultra-low interest rate environment is inspiring more and more Canadians to take on debt. This could cripple some families if interest rates start to rise in the near term.Stock market and financial literacy is critical to the prosperity and well-being of every Canadian. Far too few are neither getting the message nor taking the opportunity to look out for their financial future.When it comes to taking control of your own finances and building a diversified portfolio, nothing creates wealth like the stock market; more wealth has been created through the stock market than any other business.The stock market is one of the most exciting ways in which individuals can realize a significant return on their savings. Those seeking a greater return on their savings than what the banks provide love the stock market because of its unlimited potential for creating wealth.But it takes more than a casual acquaintance with the stock market to actually be successful. The stock market is also not a place where you learn on the go. Take this approach and you’ll quickly see all your hard-earned money disappear.At Learn-To-Trade.com, we believe it’s important for Canadians to have a comprehensive understanding of the stock market and broader trading strategies. Taking stock trading courses from Learn-To-Trade.com provides investors with in-depth training and techniques aimed at creating successful traders.Learn-To-Trade.com provides our Members with the knowledge, tools, and support required to create a disciplinary approach when trading or investing. Through our proven approach, Learn-To-Trade.com Members gain the confidence to make their own independent investment decisions.The Learn-To-Trade.com course will give you an extensive understanding of the Stock Market, Stock Trading, Stock Option Trading, Stock Index Trading, Futures Trading, Futures Option Trading, Risk management, Capital Preservation, and FOREX Trading.Want to learn how we do it? Learn-To-Trade.com is leading two free two-hour trading workshops this September.The first session takes place on Tuesday, September 16 from 7:00 p.m. to 9:00 p.m. at the Learn-To-Trade.com Inc. corporate head office; conveniently located at 885 Don Mills Road, Suite 123, in Toronto.   The second two-hour free trading workshop takes place on Thursday, September 18 from 7:30 p.m. to 9:30 p.m. at Humber College North Campus at the corner of Finch Ave. W. and Highway 27.Those who attend the free two-hour Learn-To-Trade.com workshop will learn safe and simple strategies that can help them create consistently profitable results while maintaining 100% control of their capital.At the free two-hour Learn-To-Trade.com workshop, you will learn how to insure your stock positions against losses and how to speculate on stocks using options. You will also learn simple techniques designed to help you earn additional income trading the financial markets.At our free two-hour Trading workshop, you’ll also learn about the benefits of the Learn-To-Trade.com Lifetime Membership.We understand that being a successful stock market trader doesn’t happen overnight. It’s a lifetime pursuit. And you’re free to come back and take the Learn-To-Trade.com course whenever you like, for as many times as you like.For further details about Learn-To-Trade.com’s free two-hour trading workshop or to learn more about our Lifetime Membership, attend one of our free two-hour workshops. You can register online at www.learn-to-trade.com, e-mail info@learn-to-trade.com, call us at 416-510-5560, or visit our offices at 885 Don Mills Road, Suite 123, Toronto.