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10 resume mistakes to avoid when applying for jobs in Canada

As a newcomer to Canada, applying for your first job can be stressful. The recruitment process may be different from what you’ve experienced back home and it can take some time to understand what will make your application stand out in Canada’s competitive job market. As you look for your first job in Canada, your resume will likely be key in determining whether or not you get the role. In Canada, most companies run the resumes they receive through a resume-scanning software to filter ones that best match the requirements laid out in the job description. If you’re shortlisted, your resume and cover letter will be sent to a recruiter or hiring manager, and they’ll decide whether you’re an ideal candidate for the position. Since your resume will determine the first impression you make on the hiring manager, there’s a lot riding on what you include––or not. Should you really submit that extra page? (Maybe.) Is it okay to exaggerate your credentials? (No!) What about using a fun font? (Better not to.) Here are 10 common resume mistakes newcomers tend to make and guidance on how to avoid them. 1. Using the same resume for different job applications Landing your first job in Canada can take a few months and it’s easy to get overwhelmed and exhausted by the process. When you’re applying to hundreds of job positions, the idea of using the same generic resume for multiple positions can be tempting. However, customizing your resume significantly improves your chances of being selected. Every job is unique––and your application should be too. While your applicant profile won’t vary significantly from one application to the next, the way in which you present it should be customized for each company and job opening. A good way to do this is to look for keywords in each job posting and sprinkle them throughout your resume where they make sense. This will help your resume get past both the resume-scanning software and human recruiters tasked with reading dozens, if not hundreds of applications. Be sure to include experience and behavioural traits mentioned in the job posting. (For example, if the ideal candidate is proficient with a certain type of software, you should definitely mention any experience you have with it.) At the same time, remove experiences and skills that aren’t a match, so whoever reads your resume isn’t distracted by non-essential items. 2. Not reading the job description before creating your resume Reading the job description will give you vital information about the role and the potential candidate an organization is looking for, including key skills and experiences. Not only will this information help you determine if you’re a good candidate, it’ll also help you craft the perfect resume. Many Canadian employers use applicant tracking systems (ATS) to screen resumes and shortlist ones that match the job description. This means it’s essential your application takes the job ad into consideration. As mentioned above, you’ll want to look for keywords and descriptions you can include in your cover letter and resume. It’s also a good idea to include some synonyms and similar words to these keywords. The idea is to include just enough keywords for your resume to pass the ATS, while ensuring that it reads well for a human recruiter. Only include keywords where it makes sense to do so and don’t include too many in a row. Your cover letter and resume should always be grammatically correct, easy to read, and flow naturally. 3. Listing job responsibilities instead of achievements Unlike some countries where resumes are supposed to outline your past roles and responsibilities, in Canada resumes focus on achievements. Listing past job responsibilities doesn’t tell future employers how you performed in a role. The goal is to make you stand out from every other applicant with similar job experience, so make sure you emphasize what you brought to a company or team as an individual. The best way to do this is by listing achievements, citing numbers or data that may grab an employer’s attention, or describing challenges you overcame. This isn’t the time to be modest! You want to share what makes you special. 4. Grammatical errors and typos in your resume Proofread, proofread, and proofread again before hitting “send.” Missing grammatical errors and typos is the worst resume mistake you can make and can cost you a job, even if you’re a good candidate for the role. Grammatical errors will make your resume stand out in all the wrong ways, undermining your credibility and bringing into question your attention to detail. If possible, have a friend, family member, or mentor proofread your cover letter and resume as well. This is even more important if English isn’t your first language. You can use spell check as a guide, but don’t rely on it to catch all your errors. 5. Creating a resume that’s too long or too short One of the biggest questions Canadian job seekers have is how long their resume should be. The exact answer depends on the specific job at hand and an applicant’s work experience, but generally resumes should be one to two pages long. A cover letter should be no longer than one page, but not shorter than three to four paragraphs. The more years of work experience you have under your belt, the closer to two pages your resume can be. If you’re fresh out of school or less than a decade into your career, it’s better to stick to one page. As you progress in your career, it’s also normal to cut out early-career work experience and keep educational experience to a single line. A recruiter for a senior-level position doesn’t need to read about your early-20’s internships or time spent in debate club. 6. Not using action verbs You want to use powerful and impactful language in your resume, which means using action verbs. Action verbs are verbs that imply that the subject (you) is doing something. These are a great way to showcase your initiative, rather than passively saying you were “responsible for” something. Good examples of action words to use in a cover letter or resume include “led,” “managed,” “succeeded,” “surpassed,” “created,” and “delivered.” Try to use a mix of action words and avoid repeating the same ones in consecutive points. 7. Including information not typically included in Canadian resumes In Canada, you’re not supposed to include information like your marital status, religion, gender, age, or sexual orientiation in your cover letter or resume. Unless you’re applying for a modelling or acting job, you’re also not supposed to include a photo or headshot. Not only will this extra information take up valuable page space, it could cause a potential employer to avoid your resume for fear of accusations of unintentional or intentional discrimination. It’s actually illegal in Canada for an employer to ask for information like your sexual orientation, age, or ethnicity in a job application process or interview. To avoid putting a recruiter or employer in an awkward situation, it’s best to stay away from these topics. It’s also considered improper to include salary expectations or irrelevant personal hobbies in your application. In Canada, you can skip writing “references available upon request,” as that’s understood and doesn’t need to be stated. 8. Submitting a cluttered or improperly-formatted resume First and foremost, a resume should always be organized and easy to read. An employer should be able to easily pick out your work experience, any volunteer experience, and educational background. Be sure to leave enough white space around text. This typically means 1 or 1.5 line spacing and wider margins. Job applications also aren’t the time to get creative with fonts. Stick to classics like Times New Roman, Arial, or Calibri with a size of at least 10, but not larger than 14. Avoid mixing fonts or using too many different font sizes. Also avoid going overboard with bolding, underlining, or italicizing. If you need more guidance on formatting your resume in the Canadian style, you’ll find the tips and templates you need in our article on Canadian resumes and cover letters. 9. Listing inaccurate contact information It doesn’t matter how great your resume is if a potential employer can’t contact you. If you’ve recently moved or changed your phone number or e-mail address, make sure the information included in your cover letter and resume is up to date. Either way, proofread this information multiple times to avoid typos. It’s also important to make sure your email address is professional (avoid using contact email addresses like cutiepie468@hotmail.com or rockstar732@yahoo.com). Ideally, it should be formatted firstname.lastname or using your initials and not include any nicknames or slang language. 10. Lying on your resume You may be tempted to exaggerate your experience or accomplishments, but this is a big ethical no-no and a dealbreaker for any potential employer. Many Canadian recruiters and employers will verify your credentials and background through other sources, whether that’s by calling references, conducting background checks, or looking you up on LinkedIn or other social media platforms. If you lie, you’re very likely to get caught. If you’re worried about an employment gap, it’s better to plan to explain it than cover it up with a lie. As a newcomer, landing a first job can be challenging. However, it’s important to avoid the urge to embellish or lie to make your resume more impressive. Remember, most employment contracts include a clause that allows an employer to terminate your position if they find you lied on your job application. That’s not the type of stress you need hanging over your head! Having a good resume is crucial for your job search. Your resume is essentially your first interaction with a prospective employer and it should convey why you’re an ideal candidate for the job. By avoiding these common mistakes, you can make a positive impression and stand out among a pool of candidates to land a job in Canada. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all.

Widening participation expert joins Aston University as visiting professor

Liz Thomas is a leading researcher in widening participation and closing the achievement gap She has a very strong international and national reputation for using her research to inform policy and practice Professor Thomas will work within the University’s College of Business and Social Sciences. A leading researcher whose work addresses patterns of under-representation in higher education has joined Aston University as a visiting professor. Liz Thomas is an expert in widening participation and closing the achievement gap. She has joined the University’s College of Business and Social Sciences to work largely with Aston Business School on inclusivity and employability. Professor Thomas has previously worked on the Teaching Excellence Framework Main Panel (Widening Participation Expert), been Chair of Advisory Group, Evaluation of pre-16 outreach work, Office for Fair Access (now Office for Students) as well as an International member of the Vice Chancellor’s Quality Review, University of South Wales, Australia. During the next Research Excellence Framework (REF) period her research will focus on higher education student and graduate experiences in the ‘new new normal’. The COVID-19 pandemic resulted in an emergency pivot by higher education providers worldwide, from predominantly present-in-person teaching, to primarily or exclusively remote and online learning. As the pandemic has progressed, HE providers have adapted to the new normal, providing a range of hybrid learning, engagement and support opportunities. Employers are also seeing the advantages of more flexible and hybrid ways of working, and this suggests that graduates will need demonstrate additional skills and competencies in relation to autonomy and time management, team working, digital skills and effective communication through a wider range of media. Professor Liz Thomas said: “I am very excited to have been appointed visiting professor in the College of Business and Social Sciences at Aston University. “I'm very much looking forward to working with colleagues on equity in higher education and employment. “Belonging will continue to be an important theme within my research, both conceptually and practically, and within higher education and employment, in the post-pandemic world. We need to capitalise on the advantages that have emerged, and ensure inclusion, and equitable outcomes for all.” Professor Helen E Higson, associate dean accreditations at Aston Business School, said: “I am looking forward to welcoming Liz to Aston Business School to share her knowledge on inclusivity and employability. “She will bring further leadership internally in areas which fit very well with Aston University’s values, student demographics and objectives. “She has a very strong international and national reputation for using her research-informing policy. Much current practice and policy in HE in the UK is influenced by her work.”

How to move to Canada: A checklist for newcomers

Moving to Canada from another country is no easy task. Whether you plan to settle in Canada permanently or relocate for better career or study options, it takes a lot of time and organization to ensure a smooth transition into life in a new country. We’ve created a handy moving to Canada checklist, which will provide you with a step-by-step guide of all the things you need to do, from deciding which immigration program to apply for to preparing for your life in Canada. In this article: Determine the best immigration pathway for you Get ready to apply for Permanent Residence (PR) Start your PR application process Wait for your PR application to be processed Get ready to travel Determine the best immigration pathway for you Choose between temporary and permanent residence When you’re first considering a move to Canada, you’ll have to choose between several immigration pathways. Many newcomers apply for Permanent Residence (PR) directly, which allows them to live and work in Canada permanently and even become Canadian citizens down the line.  The other option is to apply for temporary residence, either in the form of a study permit or work permit, so you can experience life in Canada before deciding whether you want to stay permanently or return to your home country. Due to ongoing delays in the immigration process, many newcomers who were originally planning to apply for PR (or were awaiting a response on their application) are now exploring temporary ways of moving to Canada. However, it’s important to evaluate the pros and cons of each pathway before making a decision. For instance, while it’s easier and faster to get a study permit, it’s a longer road to PR. Also, the cost of education for international students is quite high, and even though you may be allowed to work part-time while studying in Canada, you’ll still have to rely on your savings to cover living expenses during your study period.  Having Canadian work experience or educational credentials makes it easier to qualify for PR, so if your estimated Comprehensive Ranking System score is low, it may be better to try for a study permit or work permit first. Get ready to apply for Permanent Residence (PR) Decide which province you want to live in The province you choose to settle in will determine the job opportunities that’ll be available to you, the quality of life you’ll have, the cost of living, schooling options for your children, and the cultural environment. Many provinces also have Provincial Nominee Programs through which they invite newcomers whose skills are needed to fill in-demand jobs in the region. Do some research to learn about Canada’s provinces and territories, the major cities that newcomers prefer to live in, and the job market. This will help you decide which province you want to live in before you apply for PR. Identify the right PR program for you Canada has several immigration programs for PR, both at the federal and provincial levels. The Express Entry program is the most popular among newcomers and includes streams for foreign skilled workers, skilled tradespeople, and foreign nationals with Canadian work experience who want to settle in Canada permanently. The Express Entry program uses a point-based system known as the Comprehensive Ranking System (CRS) to rank and evaluate individual immigration applications based on factors such as skills, education, language ability, work experience, age, and more. Immigration, Refugees, and Citizenship Canada (IRCC) conducts periodic draws to determine the CRS cut-off and, if your score is higher than the cut-off, you’ll receive an Invitation to Apply (ITA) for PR. If you’re certain about the province you want to live in, you can apply through the Provincial Nominee Program instead. Securing a provincial nomination adds 600 points to your CRS score, significantly increasing your chances of qualifying for PR. Start your PR application process Gather essential documents for your application As you start filling in your PR application, you’ll be asked to upload various documents, including: Education credentials assessment (ECA): An ECA verifies that your foreign educational degree, diploma, or certification is valid and equal to a Canadian one. The ECA process takes time, so start the process at least two months before you plan to submit your PR application. Language proficiency test scores: If your first language isn’t English or French, you’ll need to take an English and/or French language test. For English, the IRCC accepts IELTS and CELPIP test scores, while for French, you’ll need to take the TEC Canada or the TEF Canada test. Passport: Your PR application will be linked to your passport number, so be sure to check the validity of your passport and get it reissued if it’s scheduled to expire soon. Fill in and submit your Express Entry or PNP profile Once you gather all the essential documents, you’re ready to create your application. For Express Entry, you’ll need to create an account on IRCC and create a profile under one of the three streams. You’ll also need to pay an application fee, which includes the fee for a biometrics test. Once your profile is submitted, you’ll be entered into the Express Entry pool of candidates to await the next CRS draw. Your Express Entry profile will be active for 12 months or until you receive an Invitation to Apply (ITA), whichever is sooner.  Some PNP programs may require a separate application. You can find more information on the application process for these programs in our Provincial Nominee Program series. Respond to the Invitation to Apply (ITA) Depending on the immigration program you apply to, you’ll typically have 30 to 60 days to respond once you receive an ITA. At this time, you’ll be asked to provide documentation to support the information you provided in your profile. Some of this paperwork can take time to source, so we recommend gathering these essential documents well in advance.  Proof of settlement funds: You’ll require bank statements and letters from your financial institution to prove you have sufficient funds to cover living expenses for your first few months in Canada. Police certification: Your local police authorities will need to certify that you don’t have a criminal background in your country. Work experience letters: Depending on your professional history, you may be required to submit letters from your past and current employers verifying your employment history, including the dates of your employment, working hours, job title and responsibilities, and salary. Birth and marriage certificates: If you’re applying for PR as a family. Job offer letter: If you already secured a job offer in Canada. Medical exam: You’re only required to take a medical test if you receive communication from the IRCC or province asking you to do so.  Wait for your PR application to be processed How long does it take for your PR to be processed? The processing time for permanent residence applications varies based on the program you apply under. In most cases, it takes at least six months, but due to ongoing COVID-19 related delays, there’s a significant backlog and you may have to wait over a year to get your Confirmation of Permanent Residence (COPR). However, there are some things you can work on while you wait to make your transition into life in Canada easier. Prepare for the Canadian job market  Finding your first job in Canada takes time. Use this extra time to prepare for your job search. Explore the job market in the city you’re planning to settle in and look at job descriptions posted for employment opportunities in your field. You can also start building a professional network in Canada through LinkedIn, virtual coffee chats, and online networking events.  Before you start applying to jobs, create a Canadian-style resume and cover letter and customize it for each role. Since most companies now conduct interviews remotely, you should also start interview preparation, so you’re ready to start actively applying for jobs as soon as you get your COPR. Work on your language skills English and French are the two official languages in Canada, although English is more common everywhere except Quebec. If you need to work on your communication skills, this wait period is the perfect opportunity to sign up for language classes or practice at home. Research the basics of living in Canada Life in Canada may be very different from what you’re used to back home. As part of your preparation, be sure to research the types of accommodation available in Canada and use Arrive’s monthly expenses calculator to estimate the cost of living in your target city. Find out about provincial health coverage, the process of getting a driver’s licence, the public transportation system, and, if you have children, the school system in your future province. Familiarize yourself with the financial system, including the role of credit scores, and research banking options that are best-suited to your situation.  Many newcomers also experience culture shock when they first arrive in Canada, so spend some time learning about cultural differences you can expect and connect with any friends and family in Canada to learn from their experiences. Prepare to move to Canada Get your visa stamped Once you receive your COPR, you’re all set to prepare for your move. The first step is to submit your passport for a visa stamp and give your biometrics at the authorized agency in your country. The communication you receive from IRCC along with your COPR will have detailed instructions on these steps. Get ready to travel With your visa and COPR in hand, you’re ready to book your flight tickets to Canada. Since it usually takes some time to find long-term rental accommodation, most newcomers book temporary accommodation, such as a hotel, B&B, or hostel for their first few weeks.  Next, you’ll need to start packing the belongings you intend to bring with you. As you do that, you can also fill out the personal effects documentation, or forms B4 and B4A (BSF186 and BSF186A), which you’ll need to present to border officials at your port of entry. While you only need these forms at the airport, it’s much easier to fill them out as you pack. You may also have belongings you won’t bring with you to Canada, such as your furniture, vehicle, large electronics, and other items. If you intend to sell these goods before you leave, make sure you allocate enough time to do so. Start applying to jobs in Canada Now that you have a landing date planned, it’s time to start actively applying for jobs. Keep in mind you’re only allowed to start working for a Canadian employer after you receive your PR, but if your initial interviews go well, you can always explain your situation to the employer and negotiate a joining date that’s after you land. Get your documents in order In addition to the documents you submitted along with your PR application, you’ll also need the following during your travel or for your life in Canada: Driver’s licence and extract: If you have prior driving experience in your country, getting a driver’s licence extract from your local authority can help you get a full Canadian licence faster.  Travel insurance: In some provinces, the provincial health coverage has a wait period and you’ll need travel insurance to cover you during that time. Medical records, prescriptions, and any ongoing medication References from past employers  Quarantine plan: If you’re travelling to Canada during the COVID-19 pandemic, you also need a quarantine plan for your first few weeks after you land. At present, fully-vaccinated travellers are exempt from the mandatory quarantine, but the final decision is up to officials at your port of entry. Passport and tickets Start the process to open a Canadian bank account A Canadian bank account will be foundational for your financial success in Canada. You’ll need access to your funds during your first few weeks in Canada, so, if possible, you should start the process of opening a bank account before you arrive. Some financial institutions, like RBC, allow you to start the bank account opening process virtually from your home country.  Once you’re in Canada, you can visit your local bank branch or set up a virtual appointment to open your account. You’ll also need to apply for a credit card, so you can start building your credit history in Canada. Prepare for your first few days in Canada  There are several things you’ll need to get done in your first few days in Canada and, with a little advance preparation, you can arrive all set to accomplish everything on your list.  Bring some Canadian currency, ideally in small bills, to cover your expenses until you get a debit or credit card. If you arrive in the winter, pack some warm winter clothes in your carry-on luggage (winter temperatures in Canada are often below freezing!).  Look at public transit maps in your city and make note of the bus stops or subway stations close to your temporary accommodation.  Carry a travel adapter for your electronics (standard voltage in Canada is 120 V).  Buy an international calling card or purchase a Canadian SIM card online and have it delivered to your temporary address. Note: you may be able to purchase a Canadian SIM card upon arrival at certain airports in Canada. Many newcomers from across the world come to Canada with the goal of working and settling here. If you’re exploring immigration pathways to Canada, this moving to Canada checklist will provide you with the information you need to choose a suitable immigration program, apply for permanent residence, and plan your move to Canada. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all.

Most in-demand jobs in British Columbia (B.C.) for newcomers

British Columbia is Canada’s third most populous province after Ontario and Quebec, with a large portion of its residents living in the Lower Mainland, which includes the coastal city of Vancouver and surrounding municipalities. The province attracts newcomers from all over the world with its cultural diversity, career opportunities, and enjoyable temperate climate. The government of British Columbia periodically invites newcomers with the skills and experience to meet the province’s growing labour requirements to work and settle in B.C. as Permanent Residents (PR) through the British Columbia Provincial Nominee Program (BC PNP). This article provides information on British Columbia’s job market, including key industries and in-demand occupations for newcomers in B.C., along with NOC codes and median wage estimates, so you can arrive prepared to kick-start your career in Canada. What are the top industries in British Columbia? Services industry: The services sector is the largest contributor to the province’s GDP and the biggest employer in British Columbia. Some key service industries include real estate, construction, banking and financial services, health care, entertainment, retail, education, and professional, scientific, and technical services. Manufacturing industry: Top manufacturing industries include aerospace, clean technology, life sciences, information and communication technology, and paper. Mining and natural gas industry: B.C. has more than 700 mining and mineral companies, and employs over 25,000 people in mining and natural gas extraction and processing. The province is rich in precious metals and non-metallic minerals. Agriculture, aquaculture, and food processing industry: A wide range of agricultural and seafood products support a varied food processing industry in the province. Forestry: B.C. is one of the world’s largest exporters of wood products and the industry employs over 55,000 people. Which cities have the most job opportunities in BC? Lower Mainland, including Vancouver, Surrey, Burnaby, and Richmond: The most populous area in all of B.C., the Lower Mainland region offers ample job opportunities in services, trade, technology, film and television, tourism, natural resources, and construction. Victoria: The capital city of Victoria has large industries centred around advanced technology, tourism, education, health, retail, construction, and agriculture. Abbotsford: Abbotsford is known for its large agribusiness industry. It also offers employment opportunities in technology and aerospace industries. Kelowna: Kelowna has a diverse economy with opportunities in agriculture, health care, manufacturing, tourism, and service industries. What jobs are in demand in British Columbia? Construction and engineering jobs in B.C. Construction managers (NOC 0711): To get a job as a construction manager, you may require a management degree and can expect to earn a median income of $41 CAD per hour. Civil, electrical, electronic, and mechanical engineers (NOC 2131, 2133, 2132): These in-demand jobs in B.C. pay between $36 CAD and $43 CAD per hour. However, you’ll need an engineering degree and a provincial licence to work as an engineer. Technology jobs in B.C. Information systems analysts and consultants (NOC 2171): IT analysts and consultants earn a median income of $36 CAD per hour. Computer programmers and interactive media developers (NOC 2174): As a programmer or developer, you can expect to make around $43 CAD per hour. Computer network technicians (NOC 2281): Technicians make a median income of $28.85 CAD per hour in B.C. Software engineers and designers (NOC 2173): Software engineering jobs in B.C. are highly paid, with a median hourly pay of $52 CAD. You’ll need an engineering degree to qualify. Business and administration jobs in B.C. Administrative officers and assistants (NOC 1221 and 1241): These roles typically pay between $23 CAD and $26 CAD per hour. Financial auditors and accountants (NOC 1111): For finance and accounting roles, you’ll need a graduate degree or diploma in relevant courses. Auditors earn an average salary of $28 CAD per hour in B.C. Accounting technicians and bookkeepers (NOC 1311): Bookkeepers are paid a median hourly wage of $24 CAD. Health care jobs in B.C. Specialist physicians, general practitioners and family physicians (NOC 3111, 3112): Most of the in-demand occupations in health care require a provincial licence. To practise as a physician in B.C., newcomers also need to take a qualifying examination. Physicians, depending on their specialization, make a median annual income between $164,237 CAD and $256,202 CAD in British Columbia. Registered nurses and psychiatric nurses (NOC 3012): Registered nurses earn a median income of $41 CAD per hour and require a provincial nursing licence. Licensed practical nurses (NOC 3233): This in-demand occupation pays a median wage of $29 CAD per hour. Medical sonographers (NOC 3216): Sonographers make between $35 CAD and $39 CAD per hour in B.C. Nurse aides, orderlies, and patient service associates (NOC 3413): Nurse aides and orderlies earn between $18 CAD and $25 CAD per hour, depending on their experience and seniority. Education and social services jobs in B.C. Social and community service workers (NOC 4212): These jobs pay around $21 CAD per hour in B.C. Educators for universities, colleges, vocational institutes, and early childhood education (NOC 4011, 4021, and 4214): University and college professors and lecturers require a provincial teaching credential to work in BC. The median hourly pay for these occupations is $43 CAD. Early childhood educators earn a median income of $19 CAD per hour. Sales and services jobs in B.C. Retail and wholesale trade managers (NOC 0621): Managers in trade earn a median hourly wage of $30 CAD in BC. Restaurant and food service managers (NOC 0631): The median hourly wage for these positions is $26 CAD. Corporate sales managers (NOC 0601): Managerial jobs in sales make an average of $31.25 CAD per hour. What is the minimum wage in British Columbia? As of June 1, 2021, the minimum wage in British Columbia is $15.20 CAD per hour. What is the unemployment rate in B.C.? In November 2021, the unemployment rate in British Columbia was 5.4 per cent. How do I move to British Columbia? In addition to the federal Express Entry program, the province also invites skilled immigrants to come to B.C. as permanent residents through the British Columbia Provincial Nominee Program (BC PNP). To work in B.C. temporarily, you’ll require a work permit. You’ll also have a better chance of finding a job if your skills match the province’s in-demand occupations. British Columbia is also home to some of the best universities in Canada, which welcome thousands of students each year. After graduating from your study program, you may be eligible for a Post-Graduation Work Permit and can gain valuable work experience that will make it easier for you to settle permanently in Canada. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now. * Based on market capitalization

How Express Entry to Canada works: Moving as a Permanent Resident (PR)

The Express Entry program is one of the most sought after and popular ways to immigrate to Canada, mainly due to its simplicity and quick processing timelines. Express Entry is ideal for skilled individuals who want to settle in Canada permanently. Here are 5 steps to apply for PR through Express Entry: 1. Determine if you qualify for Express Entry In order to apply through Express Entry, you must be eligible for one of the three economic immigration streams: Federal Skilled Worker (FSW) program: This program is for applicants with significant foreign work experience and/or a high level of education who want to immigrate to Canada permanently. Federal Skilled Trades Program (FSTP): This program is for skilled tradespeople who want to immigrate to Canada. Canadian Experience Class (CEC): This program is for foreign nationals who have been working in Canada for a period of at least one year to apply for Permanent Residence (PR). To understand the key differences in these three programs, check out the comparison table provided by the government of Canada. Confused about which immigration program you qualify for? Immigration, Refugees, and Citizenship Canada (IRCC) also have an easy-to-use tool to determine the immigration program you qualify for; all you need to do is answer a few questions online, and you will receive your results. This tool gives you a number at the end (a personal reference code). Use this number to move your information from the tool to your Express Entry profile. Note: Consult an immigration lawyer to know your best options and be sure to check their credentials to avoid scams. 2. Create an IRCC account and an Express Entry profile If you qualify for one of the Express Entry programs, first, you will need to create an account on the IRCC website and submit your profile to formally enter the Express Entry pool of candidates. During this step, you won’t need to upload any documents. However, based on the information you enter on your profile, once you are selected and invited to apply for PR, you will need to upload copies of relevant documents to support your application. What do you need to create an Express Entry profile Occupation: Your National Occupational Classification (NOC) number. It is a system that the Canadian government uses to classify various jobs and occupations, which are grouped based on categories and skill levels. Education: Your education credential assessment (ECA) report. An ECA is used to verify that your foreign degree, diploma, or certificate (or other proof of your credential) is valid and equal to a Canadian one. There are different types of ECAs. You need to get an ECA for immigration purposes. If you have another type of ECA, you may be able to get it reissued, depending on the type of ECA and/or issuing organization. You will have to include your ECA report and the reference number in your Express Entry profile. Language skills: Results from an approved language test. Canada has two official languages — English and French. You can provide language test results from any one of these two languages. Each of these tests evaluates your language skills on four parameters: speaking, reading, listening and writing. For English: International English Language Testing System (IELTS) or Canadian English Language Proficiency Index Program (CELPIP) For French: Test d’évaluation de français (TEF Canada) Test de connaissance du français (TCF Canada) Note: Your test results have to be less than two years old at the time of submitting your application. 3. Calculate your Comprehensive Ranking Score (CRS) Canada uses a point-based system (considering factors such as skills, education, language ability, work experience, etc.) to rank and evaluate individual immigration applications. The CRS tool is very intuitive; upon answering a few questions, it generates your score. This score can be used to check if you rank above the minimum required points from the most recent round of invitations. Candidates for Express Entry are awarded up to 1200 points under the Comprehensive Ranking System (CRS) meant to identify candidates who are most likely to succeed in Canada. 500 points: Core human capital factors which include age, education, language and Canadian work experience. 100 points: Skill transferability which is a combination of foreign qualifications, work experience, education and language ability. 600 points: A provincial nomination certificate. 50-200 points: For arranged employment through a valid job offer — this requires very specific criteria to be met. Note: (1) Express Entry only awards points for skilled work experience (NOC skill type O, A or B). These should be selected based on job duties performed, not your job title. You will also have to provide proof of work experience to claim these points. (2) Applicants can also be awarded points for bonus factors including having a Canadian sibling or for studying in Canada. These bonus points are often what can make a difference for a non-competitive profile and convert it to a competitive one. Tip: If your CRS is slightly lower than the scores for latest Express Entry draws, you may still want to consider submitting your profile, mainly because: - You may have a chance at being selected through the Provincial Nomination Program (PNP). - There is no cost associated with submitting an Express Entry profile. 4. Submit your profile Your Express Entry profile enables you to enter the pool of potential candidates for immigration. Once you fill out your profile and submit it online, you’ll be ranked in the Express Entry pool using a points-based system — the CRS. This score is based on the information in your profile. Note that submitting an Express Entry profile is not the same as submitting a PR application. Everyone intending to immigrate submits a profile, but only the high-ranked candidates are invited to apply for PR. Profiles may remain in the candidate pool for up to one year. If during this time, any of your ranking factors change, you must ensure you update your profile in the candidate pool. Those who do not hold a qualifying job offer can register with Canada Job Bank. Candidates are encouraged to promote themselves to prospective employers in order to increase their chances of being invited to apply. This is not mandatory but may be a good way to connect with employers. Note: Each applicant is given a personalized document checklist while filling out the PR application. Ensure you review it and the document requirements thoroughly before submitting. 5. Receive an invitation and apply for PR Draws from the candidate pool occur every few weeks, and the highest-ranked candidates in the Express Entry pool receive an Invitation to Apply, after which they have 60 days to complete an application for PR in Canada. Do not wait until the last minute to submit your application as deadlines cannot be extended. Once you are invited to apply, you will need to submit supporting documents. Some of them are: Passport or travel document Language test results ECA report Work experience certificates Police certificates Medical exams Proof of funds It is a good idea to keep a copy of the application you submit. After submission, IRCC estimates a total processing time of approximately six months. At first glance, the Express Entry process may seem complicated. The resources provided by the government of Canada along with advice from authorized immigration lawyers/consultants, can make your Canadian dreams come true. Sources: Immigration, Refugees, and Citizenship Canada (IRCC) Green and Spiegel Immigration Law Firm Note: The information provided in this article is general, is subject to frequent changes and does not constitute legal advice. For specific immigration legal advice that you can rely on, please contact Green and Spiegel. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now. * Based on market capitalization

8 myths about Canadian credit scores newcomers need to know

Having a good credit history and credit score is fundamental for your long-term financial success in Canada. Your credit score is an indicator of your creditworthiness and you’ll need a good credit score to qualify for loans, mortgages, and even apartment rentals. As a newcomer in Canada, you might be unsure about how credit scores work or have some misconceptions about healthy credit practices. Here are eight myths about Canadian credit scores that newcomers need to safeguard themselves against in order to build a good credit score. Myth 1: Credit history from my home country counts in Canada Before arriving in Canada, you might already have a substantial credit history in your home country. Many newcomers believe that this credit history from their home country will transfer over to Canada, and that they will not need to start afresh. However, this is not true. Countries have different credit agencies and ways of calculating credit scores. As a result, your credit score and history from your home country are not transferable to Canada. Your Canadian credit history only starts after you arrive and get credit in the form of a credit card, loan, line of credit, or mortgage, from a Canadian financial institution. If you’re moving to Canada from the United States, the same credit agencies, Equifax and TransUnion, might be responsible for tracking your credit history in both countries. However, these agencies don’t share information across international borders, so you’ll need to start building your credit history from scratch in Canada. That being said, starting with no credit history is not the same as starting at the bottom of the credit scale. Once you start using and paying off your credit card bills, your credit score will likely start in the “fair” range. Myth 2: Money in my savings account counts towards my credit score As a newcomer, it is usually a good idea to set aside some money in a chequing or savings account for future expenses and emergencies. A high-interest s raavings account (HISA) can even help you grow your money. However, these funds have no impact on your credit score. Savings and chequing accounts are not listed on credit reports because no borrowing or debt is involved in these accounts. Since your credit score and history reflects your ability to repay debt, only financial products that involve credit, such as credit cards, loans, lines of credit, or mortgages, are included in your credit report. However, the money in your chequing and savings account can be used to pay off debt and maintain a regular payment schedule for your credit products, especially in times when your income isn’t enough to cover these payments. Ensuring you make regular debt payments will help improve your credit score. Myth 3: Credit scores don’t matter – I won’t take credit unless I need it Many newcomers come to Canada from countries that are credit-averse, where getting into any kind of debt is frowned upon. In such a case, you may either have limited experience with credit or your instinct may be to only take credit when you need it. In Canada, however, credit plays a crucial role in the economy and having a good credit history is essential for your financial success. A credit score is an assessment of your creditworthiness, or the likelihood that you’ll pay off your debt based on your past financial history. While you may not need credit today, building your credit history early will help you qualify for loans and lower int erest rates when you apply for a car loan, education loan or mortgage later. In fact, in some cases, you’ll also need a good credit score for your application to rent a home, obtain a cell phone plan, and even on an employment application. As a newcomer, getting and using a credit card is the easiest way to build your credit history. Start paying for routine purchases like groceries and household essentials with your credit card instead of cash to get comfortable with the concept of credit. Then pay off the balance of your credit card each month from your chequing or savings account. Myth 4: My credit score is based on my income Many newcomers think that you need to be rich to have a good credit score. In truth, however, your earnings are not directly factored into the calculation of your credit score and are not included in your credit history. Credit scores reflect your payment history, or how well you repay debt, rather than how much money you have available. A high income is no guarantee that you’ll use that money to pay off your bills. Regardless of your income, you should be careful about only taking credit that you can pay off in a regular, timely manner. Credit utilization ratio, or the percentage of your overall available credit that is currently being used, is another factor that impacts your credit score. RBC advisors typically recommend using up to 35 per cent of your credit limit, in order to build your credit score. Increasing your credit limit will increase the amount of credit you can use without having a negative impact on your credit score. Your earnings can have an indirect influence when you’re applying for new credit products or for an increase in your credit limit, as financial institutions will usually take both your income and credit history into account. Myth 5: Getting more credit cards is the best way to improve my credit score As a newcomer, it can be tempting to believe that getting multiple credit cards will help you build your credit score faster. However, that’s not necessarily true. Having multiple credit cards can either help or hurt your credit scores, depending on how you use them. While multiple credit cards will give you access to a larger total credit limit, your credit score will be determined by how you use that limit. If you’re using your credit cards wisely and paying off all the bills in full, on time, then having multiple credit cards can work to your advantage. Since your credit utilization ratio takes into account the limits of all your credit cards and other credit products, maintaining the same level of spending even after you get additional credit cards can lower your overall credit utilization and improve your credit score. However, having several credit cards can also create a situation where you end up spending more than you can easily repay. This can result in delayed payments, which in turn, lead to high interest and penalties. It can also negatively impact your credit score. You should speak with a financial advisor to better understand which credit card options may be right for your unique situation and whether you need multiple cards. Myth 6: Checking my own credit score will lower it When you’ve just started building your credit history, it’s important to keep track of your credit score to make sure it’s heading in the right direction. This can also help you identify and report errors or instances of identity fraud in a timely manner. However, many newcomers mistakenly believe that checking their credit score will negatively impact it. The fact is that when you check your own credit score or credit report, it counts as a “soft” inquiry and doesn’t hurt your score. However, a “hard” inquiry, such as by a financial institution or lender, can lower your score by a few points. Hard inquiries are usually initiated by banks, lenders, or mortgage providers to check your creditworthiness before they can issue a new loan, credit card, or other credit product to you. It’s important to note that when multiple inquiries for the same type of loan are made within a short period of time, such as when you’re shopping around for mortgage rates, they are typically counted as one inquiry. Some banks like RBC allow customers to check their credit score for free, at any time, using their online banking portal. You can also get copies of your detailed credit report through Equifax or TransUnion. Myth 7: I just need to pay the minimum balance on my credit card to keep my credit score up One common misconception that newcomers have is that carrying balance on a credit card improves your credit score. This is inaccurate and, if regularly practiced, can negatively impact your credit score. If you’re only paying off the minimum balance on your credit card for a particular month, it doesn’t count as a missed payment, so there may not be an immediate direct impact on your credit score. However, you’ll be charged interest for the remaining balance in the next payment cycle. Credit instruments like credit cards typically have very high rates of interest, and putting off paying balances in full can make it harder for you to pay off your debt later. In addition, most financial institutions and creditors look at how much you owe compared to how much credit you have available. Therefore, carrying a balance from one month to the next can increase your overall credit utilization ratio. This can adversely impact your credit score. That being said, if you’re in a situation where you’re struggling to cover expenses, prioritize debt payments based on the interest rates they carry. Wherever possible, make at least the minimum payment and pay off the remaining amount as soon as possible. Speak to a financial advisor to get advice that is specific to your financial situation. Myth 8: My credit score will be the same with every agency The two national credit reporting agencies, Equifax and TransUnion, have their own independent scoring criteria for calculation of credit scores. Although they take similar factors into account—your payment history, credit utilization ratio, duration of credit, etc., your score could vary slightly based on which agency’s report you’re looking at. When a financial institution or lender runs an inquiry on your credit score, they might look at reports from any credit reporting agency. It’s a good practice to keep a close eye on your credit reports with both major credit agencies to stay up-to-date on your financial position. A good credit score will be crucial as you navigate the financial system as a newcomer in Canada. The task of building a great credit score from scratch in a new country may seem daunting. But by knowing what can harm or improve your credit position and practicing healthy financial habits, you can uncover your path to financial success in Canada. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now. Learn about your banking options in Canada and be prepared.

Top 6 reasons to study in Canada: Advantages for International Students

Canada is one of the most attractive destinations for international students wishing to study abroad. The country is known for its world-class education system and a wide variety of study programs for undergraduate, graduate, and post-graduate students. If you’re exploring the option of studying overseas, the fact that Canada is home to some of the top universities in the world is reason enough to add it to your list of study destinations. Nine Canadian universities feature in the top 200 academic institutions worldwide, according to the U.S. News & World Report’s Best Global Universities 2022, which compared institutions across 90 countries. Besides the quality of education and institute rankings, there are many other reasons that make Canada a great study destination. This article compares some of the most popular study destinations and outlines six factors that make Canada one of the best countries in the world for international students. Why is Canada an attractive study destination? 1. Affordable study programs compared to other countries As an international student, one of your key criteria for choosing a study destination may be tuition fees. While the cost of education abroad can be quite high, the average tuition fee for study programs in Canada is lower compared to other popular study destinations like the United States (U.S.), the United Kingdom (U.K.), and Australia. 2. Better quality of life and lower cost of living in Canada Tuition fees will not be your only expense when you’re studying abroad. You’ll also need to account for non-tuition fees, such as additional university fees, health insurance, and ancillary fees. And of course, you need to budget for your living expenses, which include accommodation costs, the cost of food, travel, your phone bill, and more during your period of study. In Canada, international students can expect to spend between $19,000 and $28,000 CAD on living expenses in their first year. This includes the cost of accommodation (on- or off-campus), food, transportation, insurance, books, and other personal expenses. In addition, you’ll also need to pay the application fees for your study permit or student visa and for the institutions you’re applying to. According to a recent cost of living comparison, the cost of living plus rent indices for Canada, the U.S., the U.K., and Australia are 54.62, 57.60, 53.24, and 61.51 respectively (these indices are relative to New York City). This means that it’s comparatively more expensive to live in the U.S. and Australia than in Canada. On average, living in the U.K. is slightly more economical than in Canada, but the cost of living may be higher in larger cities where universities are located. Quality of life is usually a factor of several aspects, such as quality of education, health care, employment, job security, environmental quality, and individual freedom. In the recent 2021 Best Countries Ranking, Canada was ranked the best country to live in. Australia ranked #6 on the list, but the U.S. and the U.K. did not make it to the top 10. 3. It can be easier to get admission into Canadian study programs Compared to the U.S., it can be relatively easier to get admission into Canadian universities or colleges. For admission into bachelor’s programs as an international student, Canadian universities typically take your high school academic track record into account. In the U.S., international students applying for undergraduate programs also need to get a good score on the SAT or ACT exam and there’s more emphasis on overall extra-curricular development. If you’ve been focusing on academics over these other criteria, you may have better chances of getting accepted to a Canadian university. Australia and the U.K. have eligibility criteria similar to Canada. Canadian universities also tend to have a better acceptance rate compared to similarly ranked U.S. institutions, so your chances of securing admission into an institute and study program of your choice are higher. 4. Ample post-graduate job opportunities in Canada As an international student, one of your criteria for choosing a study destination might be the possibility of staying and working abroad after your graduation. In most cases, this will mean applying for and getting a work permit, and being able to find a suitable job after you graduate or complete a higher education program. In Canada, the process of getting a Post-Graduation Work Permit (PGWP) is fairly simple and you can apply for one immediately after finishing your study program or within 180 days of its completion. You may be eligible for a work permit if you’ve studied at an authorized Designated Learning Institution (DLI) with a valid study permit and if you were enrolled in a full-time study program that was at least eight months long. The validity of your work permit in Canada will depend on the length of your study program and can range from eight months to three years. So if you’ve completed a Bachelor’s program in Canada, you’ll likely qualify for a three-year PGWP. The Canadian PGWP is an open work permit, so you can choose to work in any field, regardless of whether it’s related to your study program. There are no restrictions on the time period within which you must find employment. It is also comparatively easier to find for international students to find a job in Canada after completing their studies. With a PGWP, you can choose to work part-time, full-time, or start your own business in Canada. In comparison, the post-graduate work permits or Graduate visas granted by the U.K. are typically two years long for international students who’ve completed their undergraduate or graduate program on a valid student visa or Tier 4 (General) student visa in the U.K. A three-year work permit is only issued to international students who’ve completed a doctoral program in the country. This visa allows students to work, or look for work, at any skill level. In the U.S., international students who’ve completed a study program that’s at least one year long on an F-1 visa are eligible to apply for a one-year Optional Practical Training to gain work experience related to their education. Students in STEM majors can get a 24-month extension on their OPT. However, international students on OPT cannot remain unemployed for more than 90 days, which means that you’ll need to find and start a job within three months of completing your degree. While you’re completing your OPT, your employer can sponsor an H-1B work visa lottery application on your behalf once per year. However, since the H-1B visa is lottery-based, not everyone who applies will get it. 5. Multicultural classrooms and workforce Another advantage of studying in Canada is that you’ll usually be a part of a multicultural classroom, and after graduation, a diverse workplace. Canada welcomes international students from all parts of the world and consequently, you’ll have a chance to stay connected to your roots and learn about other cultures. As an international student, understanding cultural differences within the classroom fosters an environment of inclusivity and respect, which will help you be better prepared as you enter the global workforce. Canada’s leading university, the University of Toronto, for instance, has around 21 per cent of international students who come to study in Canada from 168 countries. In comparison, the top U.S. universities have between 11 and 17 per cent of international students enrolled. 6. Canadian immigration pathways for international students One of the main reasons Canada is a popular study destination among international students is because it’s easier to immigrate and get permanent residence (PR) after your study program. The country offers many immigration pathways, and for Express Entry streams like Canadian Experience Class (CEC), Federal Skilled Worker (FSW) program, and Federal Skilled Trades Program (FSTP), you may be able to get extra points for your Canadian education to improve your Comprehensive Ranking System (CRS) score. Some of these streams require you to have Canadian work experience for which you’ll first need to apply for a Post Graduate Work Permit after completing your education. Many Provincial Nominee Programs (PNPs) also have specialized streams for international students who’ve completed a study program in specific Canadian provinces. Depending on the immigration stream you choose, you may be eligible to apply for Permanent Residence soon after graduation or with 12 to 24 months of Canadian work experience. Once you receive your PR, the duration of your residency in Canada as an international student and temporary foreign worker can also be taken into account while determining when you’ll be eligible to apply for citizenship. Canada plans to welcome over 400,000 new permanent residents per year between 2021 and 2023, and getting a Canadian degree or diploma can increase your chances of being selected for PR. In comparison, in the U.S., fewer green cards are issued and there may be long wait times, depending on your country of birth, even if you do qualify. In the U.K., you’ll need to complete five years in a post-graduation job to be eligible for an “indefinite leave to remain (ILR) Visa”. As an international student, choosing a country to go to for higher education is a big decision. You’ll need to evaluate not just the quality of universities and study programs, but also the opportunities the country offers to work and stay after your graduation. Canada’s world-class education system, coupled with the immigration pathways the country offers, makes it one of the best study destinations for international students. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now.

How to protect yourself against financial fraud as a newcomer in Canada

As a newcomer in Canada, your financial security is of prime importance. However, fraudsters and scammers recognize that newcomers can be easy targets, as they don’t necessarily have the information needed to protect themselves against fraud. Being in a new country, you may not be aware of the ways in which financial fraud occurs, how to identify fraudulent situations, or where to report fraud. This article gives you an overview of the various types of financial fraud and scams that occur in Canada and provides valuable tips to help protect you against financial fraud as a newcomer. Recognizing common financial fraud and scams in Canada Phishing emails or text messages Phishing emails or text messages are often designed to look like they are from a source or website you trust, like your bank or an online store. The sender will ask you to click on a link or download a file, or will try to create a sense of urgency, such as saying there has been some suspicious activity from your account or that you need to update your payment information to keep your account active. Be sure to check the email address the email originated from. If the domain name doesn’t match the organization’s name, it’s likely a phishing attempt. Other red flags can be bad grammar, a generic greeting, or unsolicited attachments in the message. If you suspect that an email or text is fraudulent, call the organization to verify before clicking on any links or sharing any personal information. Generally, Canadian banks will never ask you to share personal information, such as account numbers or Social Insurance Number (SIN), over email or text message. Debit or credit card fraud Debit or credit card fraud happens when someone steals your credit card, PIN, or bank card information and uses it to make purchases or withdrawals from your account. Fraudsters can use different ways to get your credit card information, including stealing bank statements from your mailbox or garbage, hacking into company databases to steal information, prompting you to use your credit card on a fake website, or through phishing emails. You can prevent debit and credit card fraud by keeping your credit card and personal information safe. Check your bank statements or banking app regularly to ensure that you can identify all the transactions. If you think you have been a victim of credit card fraud, call the phone number on the back of your credit card immediately to get in touch with your bank and lock your card to avoid additional fraud. Immigration and citizenship fraud There are several private immigration consulting organizations that specialize in helping newcomers come to Canada. However, if you come across a website that asks you to pay for immigration or application forms or guides that are otherwise available for free on the Immigration, Refugees, and Citizenship Canada (IRCC) website, it might be fraudulent. You may also receive fraudulent phone calls or emails from someone posing as an immigration or citizenship service provider, claiming that they can guarantee entry into Canada, provide jobs, or fast-track your immigration processing for a fee. Never share your financial details with such organizations without contacting the website owner and checking online reviews to confirm the legitimacy of the business. Also, learn about the immigration and citizenship process so you can identify fake claims. Employment fraud While looking for a job as a newcomer in Canada, be on your guard against fake “employment agencies” who ask you to pay for “training” in order to get a job or promise you a guaranteed job if you pay a large upfront fee. Legitimate recruiters or agencies in Canada will never guarantee job placements or force you to undergo mandatory training. Typically, when employers use external recruiters or agencies to find candidates, the organization, not the candidate, pays the agency’s fee. Fake phone calls from “CRA” or tax fraud Many newcomers receive fraudulent phone calls from someone claiming to be from the Canada Revenue Agency (CRA) or Service Canada. Typically, the caller (or recorded message) will state that you have unpaid tax liabilities or that your Social Insurance Number (SIN) has been compromised. In some instances, scammers may even claim there is a warrant out for your arrest, which can be quite alarming. They may ask you to share your SIN number or make a payment through wire transfer, bitcoin, or prepaid gift cards. These callers are often aggressive and use threatening language to scare the recipient. In a variation of this type of fraud, the caller (supposedly the CRA) will claim that you’re entitled to a tax refund and will need to share your banking information to get it. The CRA typically contacts individuals by message in their secure online portal, so if there is an issue with your tax return, you will see a message about it there. If you’re unsure about the legitimacy of a call, hang up and call the agency to verify its authenticity. Educate yourself on the ways legitimate government agencies can contact you and the questions they may ask. Pyramid or Ponzi schemes A pyramid scheme is a business model where you’ll be offered payment or commission for enrolling other members, rather than for selling actual products or services. You’ll be asked to pay an upfront “membership fee,” with promises of being able to turn a profit once you start bringing in more members. A Ponzi scheme is a type of fraud where you’re lured into investing money with the promise of very attractive dividends. In reality, your money is not being invested anywhere and is instead being used to pay “dividends” to other investors. Investors may receive lucrative dividends for some time until the pool of new investors dries up. If the promised returns seem too good to be true, it may be a Ponzi scheme. Be sure to carefully vet investment opportunities or speak to your financial advisor before making any investments. Catphishing or romance fraud If you’re active on dating sites or apps, keep an eye out for romance fraud. Catphishing, or catfishing, is when a person pretends to be someone else online, using a fake name, photograph, or story. A fraudster may spend time talking to you online, and once they’ve established a romantic connection, they’ll ask you for money, claiming that they need it to help a sick relative or get over a bad stretch. In some cases, the scammer may even meet you in person to make the relationship seem more legitimate. Fake computer virus or ransomware In this type of scan, the victim gets a call or email claiming that their computer has been infected with a virus. The scammer may ask for money to remove the virus or could try to access personal information and passwords through their device. Be sure to install an anti-virus to protect your laptop and mobile device. Fake prizes If you receive a message, email, or phone call saying you’ve won a prize for something you don’t remember participating in, it’s probably a scam. Fraudsters may use this opportunity to collect your personal information or verify your contact details, so avoid responding to such messages or sharing any information. If you’re unsure about the legitimacy of the prize, check the organization’s website to confirm whether the contest or offer is real. Tips to protect yourself against financial fraud as a newcomer Financial fraud can impact your financial stability and, as a newcomer, it’s important to safeguard yourself against potential threats and fraudulent activities. Here are some key things you should keep in mind to protect yourself against financial fraud: Keep close track of finances. Review your bank account, credit card statements, and credit report regularly and report any inconsistencies early. If you’re unsure about what to look for, speak to a financial advisor for more information. Protect your personal and financial information. Change your banking passwords often and don’t write them down. Keep your credit card and credit card information safe, and don’t use your credit card on untrustworthy websites. Don’t share your personal or financial information, including your SIN, unless you know why it’s needed and how it will be used. Educate yourself on who can ask for your SIN or credit history, and only share this information if it’s absolutely necessary. Learn to identify fraud. If an offer seems too good to be true, it’s likely fraudulent. Always review the terms and conditions of the service or financial product you’re purchasing before making any payments. Borrow only from trustworthy financial institutions. Credit is an essential part of Canada’s financial ecosystem. Financial institutions like banks, credit unions, mortgage providers can provide you with credit to cover your expenses. Avoid going to illegitimate local lenders or payday loan providers as they could misuse your financial information or lead you into debt. Verify suspicious phone calls or emails and report fraud. If you’re unsure about the legitimacy of an email or call you received, check for signs of phishing or contact the organization or agency to verify whether the information is accurate. Don’t share your financial or personal information with anyone or click on any links until you’ve verified the authenticity of the message. If you suspect that you’ve received a fraudulent phone call or email, report it to the Canadian Anti-Fraud Centre by telephone at 1-888-495-8501, through their website, or by email (info@antifraudcentre.ca). If your SIN has been stolen, report it to Service Canada at 1-866-274-6627 as soon as possible. Keep your laptop and mobile devices safe. Never give physical or virtual access to your devices to someone who isn’t an authorized service professional or someone you didn’t contact for service or repair. Your devices may contain saved passwords, login details, or other personal information that fraudsters can extract and misuse. Always wipe your devices by restoring factory settings before selling or scrapping used laptops or mobile phones. As a newcomer in Canada, receiving phone calls from someone posing as a CRA official can be alarming. By learning to recognize common financial scams and verifying potentially fraudulent claims, you can safeguard yourself against fraud. Remember, by reporting fraudsters, you are protecting not just yourself but also countless others who may otherwise be targeted by financial scams. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now. Learn about your banking options in Canada and be prepared.

Provincial Nominee Program (PNP): Moving to Canada as a permanent resident (PR)

Canada has specific immigration programs designed to enable individuals with different skills, education, and work experience to settle in Canada and contribute to the Canadian economy. For those intending to move to Canada as a permanent resident (PR), the permanent residence programs managed through the Express Entry system are the most popular options, but not the only ones. There are other options such as the Provincial Nominee Programs (PNP), Family sponsorship, Atlantic Immigration Pilot (AIP), the Rural and Northern Immigration Pilot (RNIP), the Caregiver program, and the Start-up Visa program. In this article, we will be focusing on the Provincial Nominee Programs (PNP) to help you understand how the various processes work, and the steps to be followed to apply for permanent residency through a PNP. How do Provincial Nominee Programs (PNP) work? According to Immigration, Refugees, and Citizenship Canada (IRCC), Provincial Nominee Programs (PNP) are primarily aimed at individuals who: 1. Have the skills, education and work experience to contribute to the economy of a specific province or territory, 2. Intend to settle permanently in that province or territory, and 3. Want to become permanent residents of Canada. Each province and territory has its own Provincial Nominee Program streams (immigration programs that target certain groups such as new graduates, business people, skilled workers in specific professions, or semi-skilled workers), and unique requirements. Understanding PNP application options There are two ways to apply for PR through the PNPs: 1. Paper-based process (involves submitting a physical application and supporting documents) 2. Express Entry (online application) The mode of application will depend on the PNP stream under which you apply. How to apply for PNP: Paper-based process The paper-based process involves two stages: Stage 1: Receiving a nomination certificate from the province or territory you intend on settling in permanently. Stage 2: Applying to IRCC for PR status after the province or territory nominates you. Here’s a step-by-step approach on how to apply for permanent residency as a Provincial Nominee, through the paper-based process. Stage 1 includes steps 1 to 4, while steps 5 and 6 are part of stage 2. Step 1: Identify where you want to live in Canada Canada has ten provinces and three territories. To apply for PR status as a Provincial Nominee, it is important to decide where you want to settle – more specifically, in which province or territory. You might want to take into consideration factors such as the cost of living, employment opportunities, and the type of lifestyle you want to adopt. Step 2: Check the PNP eligibility criteria To be nominated by a province or territory, you must follow the instructions on their website and contact them directly. To check the eligibility criteria, here are the PNP websites for each province/territory: • Alberta Immigrant Nominee Program (AINP) • British Columbia Provincial Nominee Program (BCPNP) • Manitoba Provincial Nominee Program (MPNP) • New Brunswick Provincial Nominee Program (NBPNP) • Newfoundland and Labrador Provincial Nominee Program (NLPNP) • Northwest Territories Nominee Program (NTNP) • Nova Scotia Nominee Program (NSNP) • Ontario Immigrant Nominee Program (OINP) • Prince Edward Island Provincial Nominee Program (PEI PNP) • Saskatchewan Immigrant Nominee Program (SINP) • Yukon Nominee Program (YNP) Nunavut is currently only accepting applications for entrepreneurs wanting to start their business in the territory. Applicants intending to settle permanently in the Province of Quebec should contact the province directly for instructions on how to apply for PR status – they should not use the below guidance. Step 3: Apply to the Canadian province or territory where you intend to live Each province has various PNPs designed to fill their specific labour market needs. Applicants should review the PNP streams for their province of interest carefully, as each will have unique eligibility criteria, and application intake processes. In general, applicants can either: 1. Apply to the province directly for a provincial nomination, OR 2. Be invited to apply to the province for a provincial nomination. Tips: While applying to a specific province/territory through the paper-based process, you must select a non-Express Entry stream AND meet the eligibility requirements of the chosen stream for the province/territory. Many provinces have very specific deadlines for application submissions. Applicants may wish to begin gathering necessary documents before they are invited, so they can ensure everything will be available within the deadline imposed by the province. Step 4: Wait for the nomination After submitting an application, if you meet the program’s eligibility criteria including demonstrating an intention to settle in that province, you will receive a provincial nomination certificate. You may refer to specific provincial or territorial PNP websites for processing timelines. Step 5: Apply Once you’ve been nominated by a province or territory, you can submit your application for Permanent Residence to Immigration, Refugees and Citizenship Canada. The application package for Provincial Nominees includes the instruction guide, document checklist, and all the forms you need. Tip: Be honest, accurate, and truthful while completing your application. If you are found to have misrepresented any information in your application, it may lead to a refusal of your application, and you could be found inadmissible to Canada and barred for up to five years. The next step in the application process is to pay the fees. As of April 30, 2020, these fees have increased from $1,040 CAD per adult applicant and an additional $150 CAD per child, to $1,325 CAD per adult applicant and $225 per dependent child. This amount includes: • Processing fees for you and anyone you include on your application. • The Right of Permanent Residence Fee (RPRF) – $500 CAD which must be paid by all adult applicants on the application; you can opt to hold on to it and pay at the next step. Although the application is paper-based, you must pay the fees online and print out a copy of your payment receipt to be included in the application. For biometrics: You must also pay a biometrics fee of $85 per adult applicant, to a maximum of $170 per family. You must include proof of having paid these fees in your application. After your application is received, you will receive a confirmation letter with instructions on how to submit your biometric data. Biometrics (fingerprints and photo) are required to be given in-person at various collection centres worldwide. You will have 30 days from the date of the letter to complete this process. You must book an appointment at a collection point close to you and show the confirmation letter when you give your biometrics. Third-party fees: Depending on your situation, you may need to pay third parties for medical exams, police certificates, language testing, and educational credential assessment (ECA). The instruction guide for your application will help you understand which fees apply to you. After completing the application package and gathering all the supporting documents, you have to mail your application along with the online payment receipt to the address in the instruction guide. Remember, do not send the application to your local visa office; it must be sent to the Centralized Intake Office in Canada, after which it may be transferred to your local visa office abroad. Tip: To avoid rejections, before you send your application, ensure you answer all questions, sign your application and all forms, and include the correct processing fee, and supporting documents. You must also include a copy of the valid nomination certificate that the province or territory sent you. If your nomination has expired, you should contact the issuing province or territory. Step 6: Receive the Confirmation of Permanent Residence and arrive in Canada The processing time for each application depends on which visa office is processing it. After submitting your application, at any time, you can check the application processing times and status of your application online. As of April 2020, the average processing time for paper-based applications is 15 to 19 months. While your application is being processed, you will be informed when to submit medical exams and police certificates if they were not provided with your initial application, or have expired since submitting. Medical exams: You and all dependent family members (even if they are not moving to Canada with you) will be required to complete a medical examination from a designated panel physician. Police certificates: You may need a police certificate from any country or territory in which you have spent six months in a row or more since the age of 18. In some countries, it can take a long time to get a police certificate. Therefore, you may want to get them early. If you meet program and admissibility criteria, IRCC will reach out to request the documents required to finalize the application, including your passport (or passport copies) and photos. You’ll also need to pay your Right of Permanent Residence fee, if you haven’t already. At this stage, you must update IRCC on any significant changes to your circumstances, such as family status or new medical concerns. If no changes are reported, IRCC will finalize your application and issue you a: • Confirmation of permanent residence (COPR) document • Permanent resident visa (if you are from a country where you need a visa) • Letter with important information about your COPR and other requirements Tip: Keep your COPR document in a safe and secure place. Do not alter your COPR in any way, and do not sign the document until your arrival in Canada as a permanent resident. Arrival in Canada Once your application has been approved, you must travel to Canada to complete the Permanent Resident landing process – this is the final stage in processing, and once complete, your permanent residence status will be granted! During the landing process, upon your arrival to Canada you must present your COPR, and your PR visa (if you need one). You will also need to show your passport, and you may be asked for proof of funds to support yourself and your family. The officer will ask you a few questions to make sure you still meet the terms to immigrate to Canada. They will be similar to the ones you answered when you applied. Once satisfied that you remain admissible to Canada, the officer will allow you to enter Canada as a PR. The officer will also confirm your Canadian mailing address, and your PR card will be mailed to you at this address. Note: You don’t have to apply separately for a PR card, if you provide a Canadian mailing address. The application for a PR card is submitted by the officer at the time of completing your landing formalities. If you are already in Canada, you can make an appointment at an IRCC office near where you live in Canada to complete the landing process and have your permanent resident status granted. You can also leave Canada and return through a Canadian port of entry (an international airport or a Canadian land border) to complete the landing process. How to apply for PNP: Express Entry process There are two ways to apply for PNP through the Express Entry process: Option 1: You contact the province You contact the province or territory and apply for a nomination under their Express Entry stream. If the province or territory agrees to nominate you, you can then proceed to create an Express Entry profile (or update your profile if you already have one) and show you have been nominated. Option 2: Province contacts you You create an Express Entry profile first and indicate the provinces and territories you are interested in while creating the profile. If a province or territory sends a notification of interest to your account, you can contact them directly and apply through their Express Entry stream. Tip: In both cases, you will need to create an Express Entry profile during the process, so you should do it right from the start. Here’s a step-by-step approach on how to apply for PNP through the Express Entry process. Each step outlines the approach for option 1 and 2. Tip: In our blog, Express Entry: Moving to Canada as a PR, we’ve outlined a step-by-step approach to creating and submitting an Express Entry profile. We encourage you to read it and follow the instructions mentioned. Step 1: Get provincial nomination For option 1: If you are already in the Express Entry pool, and you wish to be considered for the PNP, certain streams allow you to apply to the province/territory directly through the Express Entry stream. For option 2: If a province/territory contacts you with a notification of interest for PNP and you want to be nominated by that province or territory, you must contact them directly and apply to their PNP Express Entry stream. (This process will happen between you and the province or territory – you will not use your IRCC account). Note: The notification of interest is not a provincial nomination and does not guarantee you will be nominated. The next steps for both options are similar to Step 2 and 3 of the paper-based process as outlined above, with the only exception of specifically choosing the Express Entry immigration stream while applying on the provincial/territorial PNP websites. Once the province/territory agrees to nominate you, • You must update your profile with the nomination and share your Express Entry profile number and Job Seeker Validation Code with the province/territory; OR • Wait for the province or territory to confirm your nomination with IRCC and accept or reject the nomination in your IRCC Express Entry account within 30 calendar days. Step 2: Apply for PR Once you receive your nomination, there are two things to consider – 1. If you accept the nomination • o The Express Entry system will generate a letter in your account that confirms your nomination. o You will be awarded 600 additional points in your Express Entry profile, which will help you get invited to apply. Note: 600 points is the maximum number of points you can be awarded under the ‘additional’ factors. If you were previously awarded points for having a job offer and/or study in Canada, these points will not be listed in your CRS score. However, as they may be relevant to your ability to meet the criteria of the Express Entry program, you should provide proof of this in your Express Entry application. Upon receiving the invitation to apply, you will have 60 days to submit your online application for PR. Average processing times for Express Entry applications are generally 6 months – you can check the status of your application in your Express Entry account. 2. If you reject the nomination o Your profile will remain in the Express Entry pool, and you may be invited to apply under any other program. o You won’t be eligible for the PNP unless another province nominates you. Step 3: Receive the Confirmation of Permanent Residence and arrive in Canada Refer to Step 6 of the paper-based process. Preparing to settle in Canada Once you receive your COPR and PR visa (if required), there are things you can do to prepare for life in Canada. Pre-arrival • Use free pre-arrival services, which help you find out more about living and working in Canada. • Take steps to get recognition in Canada for your education, work experience, and professional licences/certificates. • Read about living and finding work in Canada. • Learn about the networking culture in Canada, work on your resume, and start building your personal brand. Post-arrival • Find immigrant services which will help you settle and adapt to life. • Read the Welcome to Canada guide to help you adjust. • Use the Living in Canada tool to find the right services. You can use the following Arrive resources to prepare for your job search, even before you arrive in Canada. • Read the Arrive career guide • Improve your resume • Craft and practice your elevator pitch • Practice interview questions • Start building your Canadian network from home • Understand the Canadian market before leaving • Read the newcomer stories on the Arrive blog Arrive supports newcomers step of the way. What can you bring to Canada Before you travel to Canada, see the Canada Border Services Agency (CBSA) website to find out what you can and cannot bring into the country. Remember: You must tell the border officer if you arrive in Canada with more than $10,000 CAD. If you do not disclose this, you may be fined and your funds will be seized. The PNP process may seem daunting as there are many steps involved. However, if you follow the instructions provided by the Government and consult with authorized immigration representatives, you will be able to successfully realize your dream of moving to Canada! Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now

Will Biden’s Plan to Resettle Afghans Transform the U.S. Refugee Program?

Among the high-profile anti-immigration policies that characterized the four years of Donald Trump’s presidency was a dramatic contraction in refugee resettlement in the United States. President Biden has expressed support for restoring U.S. leadership, and increased commitment is needed to help support the more than 80 million people worldwide displaced by political violence, persecution, and climate change, says UConn expert Kathryn Libal. As Libal writes, with co-author and fellow UConn professor Scott Harding, in a recent article for the Georgetown Journal of International Affairs, the rapid evacuation of more than 60,000 Afghans pushed the Biden administration to innovate by expanding community-based refugee resettlement and creating a private sponsorship program.  But more resources are needed to support programs that were severely undermined in previous years and to support community-based programs that help refugees through the resettlement process:  Community sponsorship also encourages local residents to “invest” in welcoming refugees. Under existing community sponsorship efforts, volunteers often have deep ties to their local communities—critical for helping refugees secure housing, and gain access to employment, education, and health care. As these programs expand, efforts to connect refugees to community institutions and stakeholders, which are crucial to help facilitate their social integration, may be enhanced. As Chris George, Executive Director of Integrated Refugee and Immigrant Services in New Haven, Connecticut, has observed, “It’s better for the refugee family to have a community group working with them that knows the schools and knows where to shop and knows where the jobs are.” As more local communities take responsibility for sponsoring refugee families, the potential for a more durable resettlement program may be enhanced. In the face of heightened polarization of refugee and immigration policies, community sponsorship programs can also foster broad-based involvement in refugee resettlement. In turn, greater levels of community engagement can help challenge opposition toward and misinformation about refugees and create greater public support for the idea of refugee resettlement. Yet these efforts are also fraught with significant challenges. Sponsor circle members may have limited capacity or skills to navigate the social welfare system, access health care services, or secure affordable housing for refugees. If group members lack familiarity with the intricacies of US immigration law, helping Afghans designated as “humanitarian parolees” attain asylum status may prove daunting. Without adequate training and ongoing support from resettlement agencies and caseworkers, community volunteers may experience “burn out” from these various responsibilities. Finally, “successful” private and community sponsorship efforts risk providing justification to the arguments of those in support of the privatization of the USRAP and who claim that the government’s role in resettlement should be limited. Opponents of refugee resettlement could argue that community groups are more effective than the existing public–private resettlement model and seek to cut federal funding and involvement in resettlement. Such action could ultimately limit the overall number of refugees the United States admits in the future. December 11 - Georgetown Journal of International Affairs. If you are a journalist looking to know more about this topic – then let us help with your coverage and questions. An associate professor of social work and human rights, Kathryn Libal is the director of UConn's Human Rights Institute and is an expert on human rights, refugee resettlement, and social welfare. She is available to speak with media – click on her icon now to arrange an interview.