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Christmas is here! And with the hustle and bustle of shopping and scouring the internet for that perfect gift or deal, odds are there are people lurking in the dark corners hoping to stuff their stockings with scams if you’re not too careful. At Thanksgiving, when the official start to the shopping season began – the experts from Indiana University’s Kelley School of Business were front and center answering media calls and doing interviews about this very topic Scott Shackelford, a professor at Indiana University specializing in cyber security, said there are some red flags to be on the lookout for while shopping online. “There’s some easy ones to spot right off the bat, including if on the URL,” said Schackelford. “If you see it just as HTTP and not HTTPS. That S stands for secure, which means your information is encrypted when you use that site.” Shackelford also said to be on the lookout for funny wordplay involved on the website. Maniscalo says most of these fake websites originate from outside the country. “English is not their native tongue, so they will a lot of times have misspellings, or say things in kind of an awkward way, not how we would say it, or how we would print it out there,” said Maniscalo. There is also the problem of what Shackelford calls Grinch Bots. These are automated bots that monitor major retail sites to see what items are the hottest and buy them out as soon as they are restocked. “There’s actually been bills that have been proposed in Congress to deal with example of that phenomenon. But of course, they’re not enacted yet, so it’s still up to consumers,” said Shackelford. November 25 – Fox News It’s going to be a busy holiday shopping season – and if you’re a journalist looking to cover this important top, then let us help. Scott Shackelford is an Assistant Professor of Business Law and Ethics at Indiana University’s Kelley School of Business. He’s an expert in the field of cybersecurity law and policy. Scott is available to speak with media about this subject – simply click on his icon now to arrange an interview today.
Emory Experts - Why Companies Invest in Local Social Media Influencers
Companies seek local influencers to pitch products. Even though most influencers amass geographically dispersed followings on social media, companies are willing to funnel billions of sponsorship dollars to multiple influencers located in different geographic areas, effectively creating sponsorships that span cities, countries, and in some cases even, the globe. The desire to work with local influencers has spawned advertising agencies that specialize in connecting companies with influencers and may soon redefine the influencer economy. This trend has merit, our research team finds. In a new Journal of Marketing study, we show a positive link between online influence and how geographically close an influencer’s followers are located. The nearer a follower is geographically to someone who posts an online recommendation, the more likely she is to follow that recommendation. To investigate whether geographical distance still matters when word of mouth is disseminated online, our research team examined thousands of actual purchases made on Twitter. We found the likelihood that people who saw a Tweet mentioning someone they follow bought a product would subsequently also buy the product increases the closer they reside to the purchaser. Not only were followers significantly associated with a higher likelihood to heed an influencer’s recommendation the closer they physically resided to the influencer, the more quickly they were to do so, too. We find that this role of geographic proximity in the effectiveness of online influence occurs across several known retailers and for different types of products, including video game consoles, electronics and sports equipment, gift cards, jewelry, and handbags. We show the results hold even when using different ways to statistically measure the effects, including state-of-the-art machine learning and deep learning techniques on millions of Twitter messages. We posit that this role of geographic proximity may be due to an invisible connection between people that is rooted in the commonality of place. This invisible link can lead people to identify more closely with someone who is located nearby, even if they do not personally know that person. The result is that people are more likely to follow someone’s online recommendation when they live closer to them. These online recommendations can take any form, from a movie review to a restaurant rating to a product pitch. What makes these findings surprising is that experts predicted the opposite effect when the internet first became widely adopted. Experts declared the death of distance. In theory, this makes sense: people don’t need to meet in person to share their opinions, reviews, and purchases when they can do so electronically. What the experts who envisioned the end of geography may have overlooked, however, is how people decide whose online opinion to trust. This is where cues that indicate a person’s identity, such as where that person lives in the real world, come into play. We may be more likely to trust the online opinion from someone who lives in the same city as us than from someone who lives farther away, simply because we have location in common. Known as the social identity theory, this process explains how individuals form perceptions of belonging to and relating to a community. Who we identify with can affect the degree to which we are influenced, even when this influence occurs online. Our findings imply that technology and electronic communications do not completely overcome the forces that govern influence in the real world. Geographical proximity still matters, even in the digital space. The findings also suggest that information and cues about an individual’s identity online, such as where he/she lives, may affect his/her influence on others through the extent to which others feel they can relate to him/her. These findings on how spatial proximity may still be a tie that binds even in an online world affirm what some companies have long suspected. Local influencers may have a leg up in the influence game and are worth their weight in location. For these reasons, companies may want to work with influencers who have more proximal connections to increase the persuasiveness of their online advertising, product recommendation, and referral programs. Government officials and not-for-profit organizations may similarly want to partner with local ambassadors to more effectively raise awareness of—and change attitudes and behaviors towards—important social issues. Goizueta faculty members Vilma Todri, assistant professor of Information Systems & Operations Management, Panagiotis (Panos) Adamopoulos, assistant professor of Information Systems & Operations Management, and Michelle Andrews, assistant professor of marketing, shared the following article with the American Marketing Association to highlight their new study published in the Journal of Marketing. To contact any of the experts for an interview regarding this topic, simply click on their icon to arrange a time to talk today.
Emory Experts - Ad-blockers Shave $14.2 Billion Off Consumer Spending, Says New Research
Digital advertising is big business. So big, in fact, that it is well on track to become the most dominant form of advertising. Estimates suggest that spending on digital ads in the U.S. alone will reach a staggering $201 billion by 2023 – more than two-thirds of total spend. And it makes sense. With consumers increasingly shopping online, advertisers continue to ramp up their use of data and technologies to find innovative new ways to reach target audiences. The Flip Side to Digital Advertising Success The sheer ubiquity of online advertisements is driving a corollary upswing in the use of another digital technology. Ad blockers are easy-to-install and free-to-use software that consumers can deploy to hide unwanted ads on their screens, and they are gaining huge popularity worldwide. The numbers are hard to determine, but some evidence points to anywhere from 600 million to two billion Internet users having downloaded some form of ad-blocking in the last three years or so – well over 11% of the global internet population. Also hard to gauge is the impact on advertising revenue that ad-blockers are having – that is, until now. A new paper by Vilma Todri, assistant professor of information systems and operations management at Goizueta, sheds stunning light on the effect of ad-blocking on online search and purchasing behaviors among internet users. And what she has found should give advertisers serious pause for thought. According to her analysis, ad-blockers decrease consumer online spending by an average of 1.45%. Now, assuming that around 615 million internet users have downloaded some kind of ad-blocking software in recent years, the actual impact puts the loss in revenue from digital advertising around the $14.2 billion mark, year over year. And that’s not all. Todri also finds that ad-blocking seems to have the effect of limiting consumer spending disproportionally on certain brands over others. Users who opt out of seeing digital ads tend to continue to purchase mostly those products or services they are already familiar with, and not engage with new brands; they are less likely to use different search channels or visit new e-commerce websites as a result of ad-blocking. Analyzing Customer Engagement from 300 Million Internet Visits To get at these insights, Todri analyzed data from a U.S. web behavior dataset spanning a three-year period, from January 2015 to December 2018. She looked at web-wide visits, transaction behaviors and demographic identifiers across a total of 92,000+ users and more than 300 million internet visits. To measure the effect of ad-blocking, Todri matched all of this data with an ad-blocker dataset from the same source – a well-known U.S. measurement and analytics company – which shows that around 10% of users had installed an ad-blocker at some point during this three-year window. Crunching the numbers, Todri finds that the effect of using ad-blocking software on these users is to reduce their online search engine sessions by 5.6%. They also spend 5.5% less time visiting e-commerce websites. In other words, consumers who opt out of seeing ads end up browsing and shopping significantly less than others. And in terms of what these users are buying, the data shows that they are much less likely to spend on brands they don’t know or have not experienced before (and conversely, more likely to stick to familiar brands.) Digging even deeper, Todri also finds that this negative effect penalizes the brands that invest most heavily in advertising online more that those that don’t. In other words, ad-blockers are hurting those who advertise online most. Todri’s paper is the first to expose the quantitative, negative impact of ad-blocking on consumer spending. And her findings should be on the radar of any company looking to market its products and services online, she says. “The data clearly shows that ad-blockers reduce online spending by 1.45%, which amounts to something in the order of $14.2 billion in lost revenue given that about 600 million people around the world have installed this kind of software,” she says. “And the figures suggest that it’s the brands that heavily invest on online advertising who are bearing the brunt of this drop-off in consumer spending.” Search Behaviors, Interrupted “Advertisers also need to look at the fact that ad-blockers inhibit search behaviors,” adds Todri. “The figures point to a drop of around 5% when users have installed ad-blockers, which in turn means that they are not discovering and spending on new brands. They’re sticking with what they already know.” There’s an imperative here for companies to interpret these findings and reflect on what they say about ad-blocking, and also about what constitutes “acceptable advertising practices,” she says. “It’s reasonable to assume that people who use ad-blockers simply don’t like ads and aren’t influenced by them. Yet the data points to a different conclusion: if consumer purchasing falls after installing ad-blockers, it would suggest that advertising does work – seeing advertisements does drive searching and purchasing behaviors. So taken together, there’s a likely imperative here for advertisers to find new formats in terms of reaching their targets, and to strengthen their organic channels and social presence online.” Digital advertising clearly does impact search and purchasing behaviors, says Todri, so firms need to get creative while being cognizant of the fact that some consumers find current advertising practices annoying. Vilma Todri is an Assistant Professor of Information Systems & Operations Management at Emory University’s Goizueta Business School. Previously, she worked for Google where she was developing integrated cross-platform advertising strategies for large business clients that partnered with tech giant. Vilma is available to speak with media about this subject – simply click on her icon now to arrange an interview today.
IDC Quarterly Tech Brief: Your Guide For The Digital-First World
September 2021 Editor's Comments Happy September! We hope you got a chance to recharge and enjoy the summer. Now that we’re looking into the last half of 2021, our experts agree that we’re not going back to the pre-pandemic normal, but we can’t help but be optimistic with recent news on vaccinations, lifting of restrictions, kids going back to school, and some of us returning to the office. As the world slowly moves from a pandemic to a digital-first state, we will see permanent shifts in the way we live, work, play and learn. IDC expects the next 3 years to remain highly fluid due to the growing range of global challenges. And now, more than ever, business and government leaders will need to operate and invest in increasingly digital-first markets, while building digital infrastructures, enabled by an intelligent, empowered, and a well-connected workforce. In this edition of IDC Canada's Quarterly Tech Brief, we’ll explore insights on the digital-first world, best practices, and digital transformation stories from Canadian tech leaders at our upcoming IDC CIO Series webinar on September 22, and as usual, we also reveal the latest research, survey results and market forecasts. And last but not least, we're happy to announce IDC Canada's biggest technology event of the year, IDC Connections 2021 is coming up on November 4th. Save your seat today! FEATURED IDC CIO Panel Series – Part 2: Building Resiliency & Innovation into Your Canadian Journey Join us on Wednesday, September 22 at 2 p.m. ET for the latest session of our IDC CIO Panel webinar series where we will dive into what digital resiliency means for you, and how to leverage the latest Digital Infrastructure and Digital Innovation trends to your advantage. Hear from industry-leading tech executives, Antoine Haroun, CIO at the Peel District School Board, Irene Zaguskin, CTO at The Printing House, and Michael Kurek, VP of Sales & Operations, Data Center Solutions at Dell Technologies as they unpack how the pandemic accelerated their digital transformation journey, and their best practices for planning and managing IT during uncertain times. Our experts will also host 3 sessions around how the Future Enterprise operates in a Digital-First World, a look ahead at the forces of change heading into 2022, the Future of Digital Infrastructure, and the need to strive for a balance between digital innovation and resiliency to remain relevant and competitive. Your Canadian Research Checklist Here are some of our most popular Canadian reports of the quarter to help you understand changing market conditions and succeed in 2021. ✓ IDC Market Glance: Service Providers in Canada, 2Q21 ✓ The Rise of Canadian Cloud Ecosystems ✓ Canadian Cybersecurity Market Snapshot, 2Q21 ✓ Canadian Cybersecurity Buyer Persona: Managed Security Services Benefits ✓ Canadian Managed Cloud Services Adoption, 2021 Forecast Highlights ✓ Canadian Wireless Services Forecast, 2021–2025: Wireless Wars 18 ✓ Canadian Internet of Things Forecast, 2021–2025 ✓ Outlook for Canadian SaaS Applications, 2021 ✓ Worldwide Managed Cloud Services Forecast, 2021-2025 ✓ IDC's Forecast Scenario Assumptions for the Canadian ICT Market, April 2021 IDC THOUGHT LEADERSHIP: DIGITAL RESILIENCY SCORECARD Explore IDC's new Digital Resiliency Scorecard Does resiliency still matter in a "post-pandemic" world? Quite simply, it does. In IDC's recent Digital Resiliency Benchmark Survey, we found that 65% of U.S. buyers and 55% of Worldwide buyers have plans to invest in resiliency over the April 2021-April 2022 timeframe. Watch The Digital Resiliency Scorecard webinar to learn more ICYMI: BLOG HIGHLIGHTS FROM THIS QUARTER Future of Customer - More Human Experience - Over 34% of executives point to transforming the customer experience as the top business function. Learn more about the Future of Customer framework with IDC’s Keyoor Adavani. Read More → Major Smartwatch Market Consolidation: A Canadian Take - In May Google announced a new unified smartwatch platform in partnership with Samsung. Learn how this partnership is expected to shake up the market dynamics in Canada with Shahd ElAshri. Read More → Telesat Vying For LEO Constellation Leadership - A new commercial space race has begun and among the entrants for Low Earth Orbit (LEO) satellite constellations, Telesat is an emerging leader in this multi-billion-dollar market. Learn more from IDC's Lawrence Surtees. Read More → Federal Budget Innovation Goals and What’s Next for Recovery - COVID-19 fast-tracked innovation and digitization. See how the federal budget plans to support digital transformation, and learn how customer centricity and AI can set you apart from the competition with IDC's Mark Schrutt. Read More → UPCOMING VIRTUAL EVENT IDC Connections 2021 Canada: Accelerating Your Path to a Digital-First Enterprise Mark your calendars! IDC Connections is back this year and we can't wait for you to take a front-row seat. Don't miss an afternoon full of IDC experts' insights, special guests, networking, and hear from the tech leaders who are driving this new era of rapid transformation. This year's highlights include: A special closing keynote on the Future of Sports and Entertainment with Humza Teherany, Chief Technology & Digital Officer at Maple Leaf Sports & Entertainment Creating digital innovation & experiences at your organization, with IDC's Chief Research Officer, Meredith Whalen Embracing digital infrastructure, with IDC Canada's Dave Pearson Leveraging new industry ecosystems, with IDC Canada's Nigel Wallis Guidance from our popular CIO Best Practices Panelists PODCASTS WORTH A LISTEN Find out why clients are raving about our new podcast series! In an era seemingly filled with uncertainty, the Future Enterprise podcast is a must-listen. It's a podcast for business and tech executives, aimed at helping you leverage technology to achieve innovative, disruptive, and productive business outcomes. Listen in as IDC host, Joseph Pucciarelli, Group Vice President & IT Executive Advisor interviews C-level executives from around the world on their digital transformation initiatives touching on each of the "Future of X" digital initiatives. Senior IDC research leaders often join in the conversation. Listen Now → Thanks for being a part of our IDC Quarterly Tech Brief Newsletter community! Don’t forget to subscribe to be notified quarterly when the next issue comes out.
How to find a job in Canada and position yourself as an ideal candidate
Whether you’ve just received your Confirmation of Permanent Residence (CoPR) or have recently moved to Canada, finding employment and getting back in your field of work is always top of mind for many. As you begin your job search in Canada, there are a few things that are must-haves: A Social Insurance Number (SIN) – A nine-digit number that you need to work in Canada or to have access to government programs and benefits. Credential assessment for occupations such as teachers, accountants, medical professionals, engineers, social workers, etc. Credential assessment is a process through which you can get certified, registered, or licensed to practice your occupation in Canada. A Canadian-style resume and cover letter. Remember to customize your resume for each job application. Tip: To learn about the scope of your role in Canada and get deeper insights into specific job markets such as Information Technology (IT), Finance, Sales and Marketing, Project Management, Healthcare, Human Resources (HR), and others, download Arrive’s free guide for the Canadian job market. Once you’re equipped with these basic tools and resources, you’re ready to start looking for relevant opportunities. Here are a few ways you can get started with your job search in Canada. 8 ways to find a job in Canada 1. Browse job search websites Most job seekers use job search websites as the starting point while looking for opportunities. In Canada, many locally-popular sites provide more than just job listings. You can get access to employment trends, salary trends, career-planning tools, and industry information. The Canadian government’s Job Bank website is one such exhaustive resource. It is a job-listing aggregator so it pulls listings from multiple job sites which makes it convenient to browse opportunities. You can also check the provincial and territorial websites for more newcomer employment resources. What are the best job sites in Canada? Some popular job search websites are: LinkedIn Jobs, Indeed, Monster, Glassdoor, Workopolis, CareerBuilder, and SimplyHired. If you’re looking for freelancing opportunities or remote work, sites like UpWork, Fiverr, Jobboom, Jobillico, and Jobspresso are good options. 2. Network and volunteer One of the things to know as a job seeker is that Canada has a hidden job market. The hidden job market refers to positions that are filled without the employer advertising for it publicly. It is said that as much as 65-85 per cent of the jobs are not posted online. This is why networking is crucial to finding relevant opportunities – and LinkedIn is an excellent tool to get you started. You can use websites like Eventbrite and Meetup to locate industry-specific networking events near you. These events are excellent forums to find people from your field of work and strengthen your professional network. Giving back to the community (or volunteering) is usually well-regarded and valued in Canadian society. It can help you gain Canadian experience and learn the local culture and serves as a good way to meet other people and build your network. Tip: Volunteering can help you build your network and earn Canadian experience. To discover the importance of volunteering in Canada and learn how to find volunteering opportunities, read The benefits of volunteering as a newcomer in Canada. 3. Enrol with immigrant-serving organizations In Canada, there are various government-funded organizations such as ACCES Employment and COSTI that help newcomers find employment. Some are province and city-specific, so you can look up the government website to find one closest to you. These organizations help newcomers with a wide range of online and in-person career services such as resume building, interview preparation, language assessment, and finding a job. 4. Attend job fairs Many immigrant-serving organizations also organize job fairs. Some of these fairs are virtual and span a couple of days, while others are in-person events. Prepare for Canada, and JVS Toronto are organizations that do online job fairs periodically. One of the benefits of enrolling with a government-funded settlement organization is getting alerts for these job fairs. Following the social media channels for these organizations and browsing sites like Eventbrite and Meetup are also good ways to find upcoming job fairs. 5. Reach out to employment agencies and recruiters There are many employment agencies and specialized recruiters that can help you find a job in your field in Canada. These agencies and recruiters match jobseekers to employer positions. You can search for recruiters from your industry on sites like LinkedIn. Recruitment agencies in Canada may be nationally and/or internationally licensed. Those with a national license are only authorized to assist job seekers within Canada, while those with an international license can recruit overseas employees wanting to work in Canada. Who are the top recruitment agencies in Canada? Some popular employment agencies in Canada are Robert Half, Randstad Canada, and Hays Canada. Employment/recruitment/placement/staffing agencies cannot demand a fee from a jobseeker to help them find work. However, they can charge for additional services such as resume preparation, interview preparation, and job skills training. Tip: Beware of any employment agencies or recruiters asking you to pay a fee in exchange for a job offer, especially if you haven’t moved to Canada yet. Learn more about employment scams in Canada in the article, Common scams that newcomers to Canada should know about. 6. Browse career sections on company websites A good way to go about your job search is to make a list of organizations you would like to work at and then check the career sections on their respective websites. Most websites will let you send a job application for open positions directly through their site. Reach out to current or past employees through LinkedIn for a coffee chat to better understand the organizational structure and learn more about your desired role – this will also help you prepare for your interview. These conversations are also a great way to know about future job openings at the organization. Tip: Check out the list of top 100 employers in Canada and find organizations from your industry. 7. Enrol in bridging programs Bridging programs are designed for internationally-trained professionals and tradespeople who want to work in their field in Canada. They can help you get a licence or certification and integrate into the Canadian workplace. Some of the bridging programs’ services include courses, education and skills assessment, practical or workplace experience, exam preparation for licenses or certificates, language training, and action and learning plans to help you identify the training you may need. These programs may be virtual, or in-person or a combination of both. Usually, classroom training or work experience is part of the program. Depending on the bridging program you choose, there may be a fee associated with it. Contact a newcomer settlement agency near you or check local university or college websites to learn more about enrolment processes and eligibility criteria for specific bridging programs. 8. Look for a mentor Many Canadian professionals and industry leaders provide free advice and coaching to newcomers settling in Canada. This is a good way to learn how to adapt your skills and experience for the local job market and find relevant opportunities. You can look for a mentor through organizations like: Immigrant Services Association of Nova Scotia (ISANS) Calgary Region Immigrant Employment Council (CRIEC) Toronto Region Immigrant Employment Council (TRIEC) Edmonton Region Immigrant Employment Council (ERIEC) Ottawa Community Immigrant Services Organization (OCISO) How to position yourself as an ideal candidate and get a job offer The job market in Canada is competitive. Once you’ve identified a job position that’s a good fit for your skills and experience, it’s time to stand out from the crowd and market yourself as the ideal candidate. Positioning yourself as a strong candidate to an employer begins with building your personal brand. Here are a few other aspects to keep in mind as you prepare for a job application. Be confident and tell your story Practise responses to basic interview questions and have an elevator pitch so you’ll be more confident during the interview. Elevator pitches are a good way to introduce yourself and make an impression at the start of an interview. They can also serve as an answer to the “tell me about yourself” question. Think of your achievements and use specific examples or stories to demonstrate how you are a good fit for the role. Job interview resources: How to prepare for a job interview 10 common job interview questions and how to answer them The interview process in Canada may seem nerve-wracking. Prepped is an excellent resource for you to practise your interview skills and confidently prepare for the interview process. 6 Tips for improving your job search in the Canadian market 1. Customize your resume and add a cover letter A generic resume and cover letter sent to multiple employers may not yield much success in your job search journey. Be sure to customize your resume to each position that you’re applying for by tailoring your work experience, skills, and any additional information to the role. The cover letter is a good way to justify any gaps in your resume or provide any additional info that your resume can’t. Adding a custom, well-written cover letter to your resume can make you stand out from the competition, thus improving your chances of being approached for an interview. 2.Research the company and the role Be sure to research the company you are interviewing with – this will help you have more meaningful conversations with the employer and ask relevant questions. Look up the company mission, vision, some of its history, and market standing. Align your responses to the organization’s goals. Candid reviews on sites like Glassdoor can help you get insight into the operations and culture of the company. Get the names and titles of people who will be interviewing you and learn a bit about their background – this information can come in handy while making small talk with interviewers. Network with current or past employees through LinkedIn to learn more about the company and identify their needs – it will help you suggest potential solutions during the interview. 3. Polish your LinkedIn profile In Canada, it is common for employers and recruiters to search your name online. Brush up and polish your LinkedIn profile so that it’s up-to-date with your experience and qualifications. Also, ensure your social media or blogs don’t raise any red flags about you or portray you in a negative light. 4.For virtual interviews: Check your connectivity and surrounding environment With the coronavirus pandemic, many organizations have their employees working remotely. There is also a growing trend of candidates being interviewed virtually or over the phone. With this new setup, it is essential to showcase soft skills such as self-motivation and communication and demonstrate your comfort level using technology to connect. Be sure to check your phone reception, internet bandwidth and hardware or software requirements to ensure a smooth audio/video call for your interview. Avoid taking such calls from a coffee shop or a place where background noise levels may be high. 5.Be punctual and dress for the job you want Whether it’s a virtual or an in-person interview, make sure you’re punctual and dress for the job you want. For in-person interviews, plan your journey beforehand and consider the traffic and weather conditions. With the dress code, you can never go wrong with formals – this applies to in-person as well as virtual interviews. 6.Follow-up after the interview After the interview, take the time to send a thank you note to each of your interviewers. While this reflects your enthusiasm for the position, it also ensures the interviewer remembers you while deciding whom to hire. Finding meaningful employment in Canada can take anywhere from a few weeks to a few months. Preparation, persistence, determination, a positive attitude, and access to the right resources will help you find relevant opportunities. Original article located here, published by Arrive.
How to rent an apartment with no credit history or job letter in Canada
For the first few months or even a couple of years, most newcomers moving to Canada consider renting accommodation versus buying property. As an essential and high priority task, this often turns out to be challenging as in addition to the rent deposit, landlords usually ask for an employment letter, a credit report, and references. And with just having moved to Canada, newcomers often aren’t able to meet these additional requirements. So, as a newcomer, how can you find permanent accommodation in Canada with no credit history and no job offer letter? In this article, we will share a few tips and workarounds on how to position yourself as a reliable tenant so you can find a suitable place for you and your family. Moving to Canada soon and looking for more tips on renting a place? See How to rent your first home as a newcomer in Canada. To build a stronger case as a reliable tenant, you can try combining as many tips as you can from the ones outlined below 8 tips to find a rental unit without credit history and job letter in Canada 1. Provide proof of savings from a bank account You can demonstrate your reliability as a tenant by showing proof of savings to cover a few months of rent. To do this, you don’t need to provide a detailed bank statement. Speak with your banking advisor to know your options; it may be possible to obtain a letter indicating that you are in possession of the funds to pay the rent. Moving to a new country comes with many challenges. Book an appointment with an RBC Advisor or call 1-800-769-2511 to find answers to any financial questions you may have. RBC’s phone services are available in up to 200 languages. Once you have your appointment booked, an advisor will reach out to check whether you’d like to meet via phone, video or in-branch. 2. Provide a local guarantor or co-signer A guarantor or a co-signer is someone who agrees to pay rent on your behalf if you are not able to. Being a guarantor or co-signer is legally-binding, and usually, only close friends or relatives will agree to act as a guarantor for you. You should also consider the impact on your relationship with them should you fail to hold up your end of the bargain. 3. Look for house-share or apartment-share arrangements You can try to find a shared accommodation by – Subleasing from an existing tenant; or Co-signing the lease agreement with a roommate who has a good credit history; or Leasing from a landlord who lives in the same apartment or house. What is a sublease? A sublease allows you to rent a room from the original tenant of an apartment. Rent payments are made to the existing tenant who, in turn, pays the landlord. Generally, rooms that are subleased by tenants don’t require you to provide a credit report or employment letter. This may differ from place to place and depends on the urgency of the tenant who is subletting. In Canada, many people seek out roommates for their living arrangements. Instead of signing a sublease with the existing tenant, you could explore the option of co-signing the lease with a roommate who has a good credit history, to meet the credit history requirement. Landlords renting out a room in their own house or apartment may be willing to overlook the requirement for credit history and/or employment letter. You can start your search by looking for shared accommodation listings on sites like Kijiji, Craigslist, and some provincially popular options like Home Zone on Facebook (for Toronto and GTA listings). Tip: Sites like Kijiji and Craigslist tend to have many scammers. If a listing seems too good to be true, it’s probably a scam. Do not make any payments until you verify the place in-person and sign the appropriate paperwork. 4. If you can, offer more than expected deposit Each province in Canada has legal guidelines on rent deposit payments to be made by tenants before moving in. For example, in Ontario, renters are required to pay first and last month rent; there’s no security deposit. But in British Columbia, you will be required to pay a security deposit equivalent to half the monthly rent. In the absence of a credit report and employment letter, you can offer the landlord a few more months of rent upfront – this can be a huge incentive for the landlord to accept your application over another. Remember, the landlord cannot legally ask you for any additional amount beyond the specified norms. So be sure to check the guidelines for the province you are moving to and accordingly present your offer to the landlord. 5. Explore condos rented out by individual owners It can be relatively easier to find a condo or apartment that’s owned by individual landlords versus those that are owned by property management firms or large institutional investors. The application process for apartments located in rental buildings is usually very strict and offers little to no flexibility in terms of credit and employment verification. However, in a condo setting, most landlords are individuals and might be open to accepting you as a tenant, subject to your reliability. 6. Consider neighborhoods that are away from prime locations Finding a place in the heart of the city or the city centre is usually challenging even for those who have credit history and employment records to show. Broadening your search and considering the suburbs or neighbourhoods that are on the radius of the city may prove helpful in finding a suitable place. While you do this, if you don’t have a car, keep a close eye on public transportation and commute time to the city centre. 7. Book temporary accommodation for the first couple of months If you have friends or family already residing in Canada and they’re open to hosting you, it may be a good idea to plan your stay with them for the first few months. For those who cannot leverage this option, you can try booking long-term stays at an Airbnb, a hotel, or a hostel. Hostels in Canada are clean, secure, and extremely budget-friendly; some even provide free breakfast. Often, you’ll be able to choose between staying in a mixed dorm or a male or female-only dorm. Some hostels also provide private rooms at a higher cost. Try exploring sites like HostelWorld, HI Hostels, Booking.com, or Kayak to find good deals. If you are moving to Toronto as a single young professional, you can now skip the temporary accommodation part entirely and book a SoulRoom. Get a fully furnished room in one of the great locations in the city, at an affordable price. All rooms at SoulRooms come at a minimum six-month lease and are ready to live, equipped with high-speed internet, cable and utilities with shared living spaces. Just unpack your bags and be at home! Some landlords are willing to rent to tenants with a two or three-month credit history. Booking or arranging temporary accommodation for the first few months will give you a couple of months of time to build your credit. For a deeper understanding of how to build your credit, download Arrive’s guide onCredit and credit scores in Canada. How to obtain a credit report It takes at least a few weeks to a month for newcomers to receive their first Canadian credit card and a few additional months of credit transactions to generate a credit history. EQUIFAX and TransUnion are the two major credit rating organizations in Canada, and you can choose either one to get your credit report. Detailed instructions to obtain the report are available on the respective websites. 8. Take up a survival job and/or volunteer Survival jobs are lower-skilled jobs where significant education or extensive professional experience is usually not required. For example, working as a driver with a ride-sharing service, warehouse or factory worker, cashier at a grocery store, barista at a coffee shop, food delivery person, sales associate, telemarketing associate, cleaner, or a server at a restaurant. Volunteering is an integral part of Canadian culture, and giving back to the community is usually well-regarded and valued in Canadian society. It involves giving personal time freely for the benefit of another person, group, or cause. Both survival jobs and volunteering are good ways to earn Canadian experience, practice your language skills, build your network locally, and gather references for your rental application. Survival jobs will also provide you with an employment letter and cover basic living expenses while still allowing you to continue looking for your desired role. Helpful articles: Taking up survival jobs as a newcomer in Canada: All you need to know The benefits of volunteering as a newcomer in Canada Finding your first long-term permanent accommodation in Canada can be stressful and challenging. Following the tips outlined in this article will ensure you have a place to stay while you build your credit history and find employment. And over time, you will be well-positioned to find a place you can call home! Original article located here, published by Arrive.
Canadian finances 101: What you should know as a newcomer
Canada’s financial ecosystem is made up of banks, credit unions, trusts, and other financial and insurance companies and it is considered to be one of the most sound and safest in the world. According to the Global Competitiveness Report 2019, published by the World Economic Forum, Canada ranked 9th globally for its financial system, showcasing stability and reliability. As you plan your move, familiarizing yourself with the Canadian banking and financial landscape can help provide context to key tasks like opening bank accounts, building credit history, borrowing money, and filing taxes. In this article: Types of financial institutions in Canada Getting started with taxes: The Canada Revenue Agency (CRA) Canada: A credit-based economy Banking, investments, and money transfers What are the types of financial institutions in Canada? Financial institutions in Canada can be classified into three main categories: 1. Banking institutions These are places where you can deposit, withdraw and borrow money. Examples of such institutions include banks, online-only banks, credit unions, trust companies, mortgage companies, etc. Banks A bank is licensed to receive deposits and make loans. Most banks are managed by the national government. The five largest banks in Canada are often referred to as the “big five” in banking. They are: Royal Bank of Canada (RBC), Toronto-Dominion Bank (TD), Bank of Nova Scotia (Scotiabank), Bank of Montreal (BMO), and Canadian Imperial Bank of Commerce (CIBC). Sometimes, you may hear the term “big six,” including the National Bank of Canada – although, note that its operations are primarily focused in the provinces of Quebec and New Brunswick. Digital-only banks In addition to these banks, there are a few digital-only banks, such as Tangerine (a subsidiary of Scotiabank), Simplii Financial (a subsidiary of CIBC), and EQ Bank. They provide all services online only and do not have any physical branches. Credit unions A credit union is a smaller financial institution that is owned by its members, who are also typically account holders. They operate under provincial legislation and regulations and provide similar services as banks. The main difference between a credit union and a bank is their structure; credit unions are owned by anyone with money in the credit union. The operations are supervised by a democratically elected board of directors made up of local community members. Due to their scale of operations, note that credit unions may have fewer branches and ATMs than a big bank would. Tip: As a newcomer to Canada, you can choose any financial institution of your choice. However, it is helpful to know that the big five banks (like RBC) have newcomer banking packages that specifically cater to permanent residents and international students and are thus better positioned to assist you in your unique situation. Trust companies Trust companies are legal entities similar to banks that act as an agent (on behalf of a person or business) for the purpose of administration, management and the eventual transfer of assets to a party. Mortgage companies Money lending entities such as mortgage finance companies (MFCs) and mortgage investment corporations (MICs) provide real estate financing. MFCs are non-depository financial institutions that underwrite and administer mortgages sourced through brokers. Their lending is funded mainly through securitization or direct sales to third parties, primarily the big six banks. MICs and other private investors typically deal in uninsured, customized mortgage products that are not available through traditional channels. These products include non-prime loans, second mortgages and very short-term mortgages. Key financial authority: The Bank of Canada The Bank of Canada is the nation’s central bank. Its principal role is to promote the economic and financial welfare of Canada. The Bank influences the supply of money circulating in the economy, using its monetary policy framework to keep inflation low and stable. It promotes safe, sound and efficient financial systems, within Canada and internationally, and conducts transactions in financial markets in support of these objectives. Additionally, the Bank of Canada also designs, issues and distributes Canada’s bank notes and acts as the “fiscal agent” for the government of Canada, managing its public debt programs and foreign exchange reserves. It also sets the interest rates in Canada. 2. Insurance companies These are entities that sell insurance to cover the risk of loss in various situations, caused due to a variety of factors. They include homeowner or renter’s insurance, health insurance, car insurance, life insurance, and more. They compensate you for any loss that’s covered by your insurance policy. Once you purchase a specific type of insurance, you are required to make periodic payments, called premiums, to the insurance company to avail of the agreed-upon coverage. 3. Investment companies These are organizations that focus on investing, administering or managing funds or money on behalf of other persons. Examples of such companies are investment banks, hedge funds, underwriters, and brokerage firms. Note: There might be an overlap in the services provided by financial institutions. For instance, a leading bank like RBC offers banking services, mortgages, a wide variety of insurance options, investment solutions, and more. Tip: Beware of predatory lenders offering payday, instalment, and other types of loans with very high interest rates. These lenders often prey upon people who need cash quickly and who have run out of all other options. They usually have exorbitant interest rates, confusing and misleading representations, and a lack of transparency and documentation. Therefore, always double-check money lending claims that seem too good to be true. Note that payday loans are provincially regulated while instalment loans are unregulated. What this means is – while interest rates cannot exceed 60 per cent, lenders are effectively free to change terms and add fees and other charges almost at will. Getting started with taxes: The Canada Revenue Agency (CRA) The CRA administers tax laws for the Government of Canada and for most provinces and territories. It administers various social and economic benefit and incentive programs delivered through the tax system. The CRA website is the go-to place for everything related to your taxes: filing annual tax returns, checking receipt of Government benefits and subsidies, viewing tax documents, etc. Important: To register for CRA’s “My Account,” you must have filed a tax return for the current or a previous year. Download Arrive’s free tax guide for newcomers for insights on how to file your taxes and to make sure you’re prepared to manage the expectations that come with paying taxes in Canada. Note: Beware of a long-running CRA scam with callers posing as representatives of the CRA. The CRA will never use threatening language nor ask for information about your passport, health card, driver’s license, or demand immediate payment by Interac e-transfer, bitcoin, prepaid credit cards or gift cards from retailers such as iTunes, Amazon. Canada: A credit-based economy North American countries such as the U.S. and Canada are known to be credit-based economies. This essentially means that most people use their credit cards (instead of debit cards or using cash) to make purchases and then repay the entire amount owed either at the end of their credit card billing cycle or in installments. You will need to build your own credit history, since this is essential to many aspects of life in Canada. Once you receive your first credit card, start by making payments for small expenses such as phone bills or groceries, and be sure you pay the balance in full by the end of the billing cycle. Tip: Keep in mind that credit cards have limits and do not offer free money. They can carry very high-interest rates, so your balance should be managed and paid down promptly – this will help you maintain a good credit rating. A credit score is a way for financial institutions to measure your ability to repay loans. Some scenarios where you may be asked for a credit report are while renting accommodation, applying to certain jobs, and obtaining mortgages or other loans from the bank. Additional resources Download Arrive’s free Credit guide to learn more about credit cards, credit scores, and credit ratings in Canada. For tips on staying debt-free and building your credit history in Canada, read How to build a good credit score from scratch as a newcomer. Banking, investments, and money transfers in Canada Banking Like many other countries, in Canada, you can conduct all your banking and money transfer transactions by walking into a branch or online, through internet banking. See How to open a bank account in Canada as a newcomer to know the process of opening a newcomer account. The article will also provide tips and resources to help you learn more about credit and direct deposits. Investments There are many financial products available to save and invest your money in Canada. They can be broadly classified into savings accounts, registered savings plans and investment products. Depending on your goals and your appetite for risk, you can choose one or a combination of several of these. Read Savings and investments for newcomers in Canada for deeper insights into all available investment products. Money transfers For domestic peer-to-peer payments (think: sending money to a friend, relative, co-worker, or acquaintance in Canada), there are a couple of ways to send and receive money online: Interac and Paypal. Interac is a bank-based tool, while Paypal is a non-bank, third party service. Among these, Interac e-transfers are the most popular and widely used form of peer-to-peer payments in Canada. You can send money overseas through online or mobile banking, by telephone, by email, or in-person. Banks like RBC have a simplified, affordable, and convenient process for international money transfer through online banking. If you have the recipient’s banking information handy, all it takes is a few clicks! Some popular options for international remittances are: Banks Credit unions Money transfer operators like Western Union, MoneyGram, WorldRemit, etc. Peer-to-peer transfer providers such as Transferwise (now, Wise), CurrencyFair, Paypal, etc. Currency exchange businesses When sending money overseas, the Canadian federal government tracks large sums (over $10,000 CAD) through Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) to prevent money-laundering, terrorism funding, and related crimes. Understanding financial products and regulatory agencies in Canada can make you feel overwhelmed. Start with the basics so you can build awareness and a strong foundation to manage your finances in Canada. Original article located here, published by Arrive.
Your First Week as an International Student in Canada
Canada is one of the world’s leading study destinations, due to its high quality of education, diverse culture, and overall quality of life. Each year, the country welcomes thousands of international students and sets them on a path to academic and personal success. Whether you have just started researching options on where to study or have already been accepted into a Canadian university of your choice, this article will serve as a handy guide for what to expect during your first week in Canada as an international student. In this article: Getting settled in Following quarantine protocol Financial basics for international students Registration at your university Familiarizing yourself with the neighbourhood and campus Getting connected Understanding student life Getting settled in Once you’ve completed your landing formalities at the airport, you are ready to get started on your exciting journey as an international student in Canada. The first item on your agenda will be getting settled into your new accommodation or temporary quarantine location. You can use ride-sharing services like Uber or Lyft or ask a friend or relative to pick you up at the airport and take you to your accommodation. Note: Due to quarantine restrictions, all international travellers landing in Canada are required by law to go directly to their accommodation or quarantine location, without making any stops on the way. As an international student, you will need to secure accommodation (at least on a temporary basis) prior to your arrival in Canada. You can choose to live either on- or off-campus, depending on your budget and requirements. If you haven’t been able to secure accommodation on-campus, there are plenty of other housing options available for international students. Following quarantine protocol The Canadian government has recently eased border restrictions for fully vaccinated travellers, including international students. All international students, regardless of vaccination status, must have a quarantine plan in place and need to follow quarantine protocol as per the Government of Canada ArriveCAN app (this is unrelated to the Arrive app for newcomers). Fully vaccinated students are now exempt from most mandatory quarantine requirements. However, in addition to the pre-arrival COVID-19 (Coronavirus) test, you will also be required to take another COVID test upon arrival in Canada and must quarantine until a negative test result is received. International students who are NOT fully vaccinated will be required to: Take a COVID test immediately after arrival, Book a three-day stay at a government-approved hotel, where they must remain in quarantine until they obtain a negative result to their first post-arrival COVID test. You may leave the hotel as soon as the result comes in, without having to wait the full three days, and go to your personal quarantine location. Get a second post-arrival COVID test on day 8 before exiting their quarantine on day 15. Tip: Your Designated Learning Institution (DLI) may have a quarantine protocol in place for international students. Before arranging short-term accommodation for your first few days in Canada, check if your DLI will be making quarantine arrangements in an on-campus dorm. Financial basics for international students As an international student in Canada, there are some essential financial basics you will need to complete in your first few days here. You might be able to begin some of these tasks during your quarantine period to get a head start on your checklist. Obtaining a SIN If you plan to work part-time while you study in Canada, you will require a Social Insurance Number (SIN). Depending on the airport you land in and your time of arrival, you may be able to get your SIN at the airport. If you are unable to obtain a SIN at the airport, you have the option to apply online or by mail. Opening a bank account Use your quarantine period to explore the different banking options and offers available for international students. As an international student, you want a trusted partner who understands your banking needs and is committed to newcomer success. Some banks (like RBC) are currently allowing international students to open student bank accounts remotely while in quarantine. To open a student bank account with RBC, you will require the following documents: Your passport Student permit (IMM 1442) or Temporary Resident Visa (TRV) Proof of enrollment (optional, good-to-have) Social Insurance Number (SIN) or proof of residence (optional, good-to-have) Information: Book an appointment with an RBC Advisor to get answers to your questions about student banking, and to learn more about opening an RBC student bank account remotely while in quarantine. Getting a credit card Having a good credit score is essential for financial success in Canada. As an international student, you may need a credit score for accommodation rental or lease application, or a car loan. Getting a credit card is your first step towards building a good credit history in Canada. Credit cards are a convenient option for making payments, without having to carry cash. Unlike a debit card, a credit card allows you to make purchases first and pay later. However, credit cards typically have very high interest rates, and late payments can result in high penalties. Make sure you speak with your banking advisor to have a good understanding of how your credit card works before signing your contract. You can gradually build your credit history by paying off your credit card bills on-time and in full. Creating a budget A good budget can help you plan your expenses, save money for the future, and prevent financial worries as you study in Canada. As an international student, your biggest expense aside from tuition fees will likely be accommodation. In addition, you will also need to budget for utilities, transportation, food, groceries, phone and internet expenses, furniture, insurance, and entertainment. It is also a good practice to set aside a small sum each month for emergency expenses. Tip: The cost of living in Canada may be very different compared to your home country. The Arrive Monthly Expenses Calculator can help you estimate and plan your monthly budget in Canada. Registration at your university With quarantine and social distancing considerations in place, the registration and course enrollment process at your university might be fully or partially virtual. Check your university website or contact your university to get information about your semester timetable, the dates and process for class registration, and getting a student card. You can also sign up for the International Student Identity Card (ISIC) for special discounts from featured partners in Canada. Many universities in Canada are offering a mix of virtual and in-person classes, and your class schedule may vary depending on the course you’ve enrolled in. Sign up for orientation classes to prepare for your academic journey. Familiarizing yourself with the neighbourhood and campus You will likely be spending a lot of time in and around your campus. Walk around your campus and new neighbourhood (if you are living off-campus) to familiarize yourself with the area. Review your campus map or ask around to locate the gym, health services, library, dining hall, class buildings, restaurants, and grocery stores. Don’t hesitate to check if the stores or restaurants you visit offer discounts to students. Most cities in Canada have an extensive public transportation network. Whether you plan to commute to campus or explore the neighbourhood, the public transit system can be a convenient way of getting around. Learn about the transit system in your city, get a transit pass, and start exploring. Information: Get to know more about public transportation in key Canadian cities through our Getting Around article series for Toronto, Ottawa, Edmonton, Montreal, Calgary, Vancouver, and Winnipeg. Getting connected With “virtual” becoming the norm in student life, staying connected to your friends, family, and university will likely be on your list of essentials. In Canada, you have the option of choosing between a pay-as-you-go (prepaid) or postpaid phone plan. However, since postpaid plans typically require a credit check, most international students start with a prepaid phone service. Some carriers also allow you to purchase a prepaid SIM card online and have it delivered to your address. International students living on-campus typically have internet access through their local Wi-Fi network. If you are living off-campus, you may need to sign up for an internet service. The cost of a monthly internet plan typically ranges between $50 to $80 CAD, depending on the provider and plan. Do your research on comparative costs, offers, and typical usage limits, before selecting a phone and internet provider. Understanding student life Student life in Canada is about more than just academic success. Take the time to meet your new classmates, either in-person or virtually, to forge new connections and friendships. Many universities have on-campus student groups where you might find people with similar interests or backgrounds. Most academic institutions will be offering a mix of virtual and in-person classes in the coming semesters. Use your first week to ensure that you’re all set up for online learning, technology-wise, to avoid interruptions in classes later. Once you have your course timetable, keep your schedule in mind while planning extracurricular activities, such as socializing, sports, exercising, exploring the city, or working part-time. Working part-time can not only bring in extra income but can also help you build skills, grow your network, and explore future career opportunities. If your study permit allows you to work part-time as an international student, evaluate how many hours you might reasonably be able to work, without impacting your academic success. Your first week as an international student in Canada may seem overwhelming at first as you get the basics in place. But with some prior research and planning, you will be able to settle into your new schedule, make the most of your student life, and set yourself up for long-term success. The Arrive mobile app is your essential companion to prepare for and navigate life as an international student in Canada. Whether you’re just exploring study options in Canada or are getting ready for your move, you’ll get the information and resources you need, when you need them, all in one place. Original article located here, published by Arrive.
A new model of health care is coming to Wilmington’s Riverside neighborhood and the Kingswood Community Center. ChristianaCare Virtual Health is now available at The Coker Family Resource Center, inside Kingswood Community Center. It offers convenient, personalized, always-accessible care that makes it easier for people to connect with the care they need and stay well. “This is an entirely new model of health care powered by data and technology to make it easier for people to access care when they need it, and one that fosters strong relationships between patients and their care team,” said Janice E. Nevin, M.D., MPH, president and CEO of ChristianaCare. “In our commitment to make a positive impact on health for everyone in the communities we serve, we’re excited to bring this leading-edge model of care to our neighbors at Riverside. We’re grateful for the partnership of The WRK Group and Kingswood Community Center in this collaborative effort that will support the health and wellbeing of the people in this community.” At The Coker Family Resource Center, patients can connect to ChristianaCare Virtual Health for a virtual appointment with a primary care provider or a member of their care team and also receive access to medical services such as vaccines, blood pressure checks and in-person exams. But care doesn’t have to happen at Kingswood Community Center. Patients can have a virtual visit with their care team anytime and from anywhere they have access to the internet with a smartphone, tablet or laptop with a camera. “Throughout the pandemic, many people have learned the convenience of having a video visit with their doctor instead of coming in for an in-person appointment. At ChristianaCare, we’ve actually been developing this kind of care since the launch of our Virtual Primary Care practice for ChristianaCare caregivers in 2018, in addition to our CareVio data-powered care management platform,” said Sharon Anderson, RN, MS, FACHE, chief virtual health officer at ChristianaCare. “What we’re able to provide today is not just video visits, but an entirely new kind of care that’s always on—it enables patients to interact with their care team when they need support through video visits, secure text messages and other ways that provide care in ways that fit into each person’s lifestyle.” Sharon Anderson, RN, MS, FACHE, chief virtual health officer at ChristianaCare In addition to the on-site medical services provided at the Kingswood location, patients can also receive in-person help with the technology so that they can become comfortable with this new model of care, and ask questions or get help when they need it. Kingswood Community Center, a member of The WRK Group (The Warehouse, REACH Riverside, and Kingswood Community Center), has been a pillar of the Riverside community for 75 years and is located at 2300 Bowers St, Wilmington, DE 19802. In-person appointments are available every Tuesday and Thursday from 12:30 – 2:30 (times may vary). Information and appointments are available by calling 302-428-2400. Establishing easily accessible health care within the Riverside neighborhood marks a long-time goal of The WRK Group. “We are incredibly thankful for this partnership with ChristianaCare Virtual Health as they become the first primary care service provider that exists within Riverside,” said Logan S. Herring, Sr., CEO of The WRK Group. “ChristianaCare has created a nimble solution for our neighbors that includes valuable in-person services and care as well as virtual appointments. Creating this physical and virtual space is an achievement for our community and one in a series of initiatives The WRK Group plans to bring to the local area.” The WRK’s Group managing partner, REACH Riverside, is currently overseeing a $250M holistic revitalization project which includes building a new and improved community center, developing a mixed income housing community, and investing in physical capital to create a thriving and vibrant neighborhood. Introducing the Coker Family Resource Center The Coker Family Resource Center is a new addition to the Kingswood Community Center, made possible by the generous donation of the Coker family, a pillar in the Riverside and Wilmington community. From matriarch and civil rights leader Beatrice “Bebe” Coker and her activism efforts to daughters Dr. Joan Coker, Laurie Coker Reid, and Julie Coker's collective philanthropic and community work, the Coker family embodies the values of Kingswood Community Center and The WRK Group’s collective mission to empower the community to reach its full potential. “Thank you to the entire Coker family, who have dedicated themselves to bettering our community for decades, as well as for providing the needed funding to create the physical space that ChristianaCare Virtual Health inhabits,” Herring continued. “The Coker family has once again demonstrated the value of believing and investing in their community. As we look to the future and continue to dream big about the new Kingswood Community Center, I am excited by the prospect of what this space will evolve into and what additional services we can offer our community.” For more information about ChristianaCare Virtual Care at Kingswood Community Center, click here. About ChristianaCare Headquartered in Wilmington, Delaware, ChristianaCare is one of the country’s most dynamic health care organizations, centered on improving health outcomes, making high-quality care more accessible and lowering health care costs. ChristianaCare includes an extensive network of primary care and outpatient services, home health care, urgent care centers, three hospitals (1,299 beds), a freestanding emergency department, a Level I trauma center and a Level III neonatal intensive care unit, a comprehensive stroke center and regional centers of excellence in heart and vascular care, cancer care and women’s health. It also includes the pioneering Gene Editing Institute. ChristianaCare is nationally recognized as a great place to work, rated by Forbes as the 5th best health system to work for in the United States and by IDG Computerworld as one of the nation’s Best Places to Work in IT. ChristianaCare is rated by HealthGrades as one of America’s 50 Best Hospitals and continually ranked among the nation’s best by U.S. News & World Report, Newsweek and other national quality ratings. ChristianaCare is a nonprofit teaching health system with more than 260 residents and fellows. With its groundbreaking Center for Virtual Health and a focus on population health and value-based care, ChristianaCare is shaping the future of health care. About The WRK Group The WRK Group, which is comprised of three organizations and over 130 employees, shares a collective mission to empower the community to reach its full potential by eliminating the barriers of structural racism and revolutionizing teen engagement. REACH Riverside, overseeing a $250M holistic revitalization, also serves as the managing partner for Kingswood Community Center, a pillar of the Northeast Wilmington neighborhood for 75 years, and The Warehouse, an educational and recreational oasis for teens. The Warehouse: Developed "For Teens, By Teens" - Innovative, one-stop center serving ages 13 to 19 Teen-driven programming focused on recreation, education, arts, career, and health Collaborating with over 140 youth-serving organizations Three goals: safety, educational support, and workforce readiness REACH Riverside: Developed "With the Community, For the Community" Member of the national Purpose Built Communities Redevelopment: Up to 600 units of high quality, mixed-income housing Education: cradle-to-college and career readiness pipeline Community Health: health, wellness, safety services, and programming Kingswood Community Center Empowering the Community of Riverside and Northeast Wilmington since 1946 Early Learning Academy: high quality, evidence-based programming (ages one through five) School-age services (ages six through twelve): before, after-school, and summer programming Jimmy Jenkins Senior Center: activities to remain healthy and self-sufficient Kingswood Academy: alternative school, located at The Warehouse (seventh through twelfth grade) Preparing for the development of a new, state-of-the-art facility that will replace and enhance the current community center ####
Experts available to comment on G7 summit discussions
A range of experts from the University of Bristol are available to comment on the upcoming G7 summit taking place in Cornwall, UK. Professor Simon Tormey, Professor of Politics and Dean of Social Sciences and Law at the University of Bristol can speak about what G7 means for UK, reboot of US-China relations, climate change, and taxes on large corporations. Simon can also do interviews in French. Dr David Matthews, Reader in Virology in the School of Cellular and Molecular Medicine at the University of Bristol and a member of the 'G2P-UK' National Virology Consortium, can discuss vaccines and global health security. Dr Kate Hendry, Associate Professor of Geochemistry at the University of Bristol can discuss ocean action including net zero oceanographic capability. Dr Tommaso Jucker, Research Fellow at the University of Bristol’s Cabot Institute for the Environment, can cover: supporting the transition to a low carbon economy – the role of forest conservation and reforestation in mitigating climate change, and action to halt and reverse biodiversity loss – ecosystem restoration. Dr Kristen Reyher, Reader in Veterinary Epidemiology and Population Health at the University of Bristol, is able to discuss antimicrobial resistance, antimicrobial stewardship, antimicrobial use, and epidemiology. And Professor Awais Rashid, Professor of Cyber Security at the University of Bristol, is available for the following topics: Internet safety including protecting children and online fraud, darknet markets, privacy issues and data exploitation.
