Experts Matter. Find Yours.
Connect for media, speaking, professional opportunities & more.
UCI expert sources for the Russia/Ukraine Conflict
On Friday, Feb. 25, 2022, UCI’s School of Social Sciences hosted a webinar titled, “Understanding the Russia-Ukraine Crisis.” Several of the experts below offered perspective on key issues surrounding the escalating conflict between Russia and Ukraine. You can watch or listen to the webinar here: https://www.socsci.uci.edu/newsevents/news/2022/2022-02-25-understanding-the-russia-ukraine-crisis.php UCI faculty members available to comment, and their areas of expertise, are found below. Matthew Beckmann, Associate Professor, Political Science. Professor Beckman studies the organizational structures and operational strategies presidents can use to pick their team, invest their time, focus their attention, channel their effort, discipline their thinking, coordinate their subordinates, and, most importantly, make decisions. Contact: beckmann@uci.edu Jeffrey Kopstein, Professor, Political Science. In his research, Professor Kopstein focuses on interethnic violence, voting patterns of minority groups, and anti-liberal tendencies in civil society, paying special attention to cases within European and Russian Jewish history. As pertains to the Russia/Ukraine conflict, he can speak to politics in Russia and Ukraine, Authoritarianism, NATO and the transatlantic alliance, and European Union policy. Contact: kopstein@uci.edu Erin Lockwood, Assistant Professor, Political Science. Professor Lockwood’s research areas include international political economy and global financial politics. She can speak to questions related to economic sanctions, financial sanctions/financial infrastructure and payments systems more generally (for example, the prospect of cutting off Russian access to the SWIFT financial communications system.) Contact: eklockwo@uci.edu David Meyer, Professor, Sociology, Political Science and Planning, Policy & Design. Professor Meyer’s research examines the relationships between social movements and the political contexts in which they emerge. Topics surrounding the Russia/Ukraine conflict that align with his expertise include sanction strategy; the resistance strategy that might emerge in Ukraine in the face of occupation; the history of the Cold War and its influence today; and the possibility of a powerful peace/isolationist movement emerging in the U.S. Contact: dmeyer@uci.edu Gustavo Oliveira, Assistant Professor, Global & International Studies. Professor Oliveira is a specialist in global political economy and critical geopolitics, focusing on the BRICS countries (Brazil, Russia, India, China, and South Africa) and international commodity markets, especially agricultural trade and natural resource governance. He can speak to the basis of the Russia/Ukraine conflict on natural resources, and the repercussions of the conflict for international commodity markets, inflation, and disruptions to global food supply chains. He can also speak about the anti-war movements in Russia, Europe, the United States, and broader political repercussions of the conflict in Brazil, Latin America, and the U.S. Contact: gustavo.oliveira@uci.edu Stergios Skaperdas, Professor, Economics and Director of the Center for Global Peace and Conflict Studies. His general area of research is political economy, the interaction of economics and politics. Among other issues, he has studied conflict and wars, the role of the modern state in economic development, and the interaction of globalization and geopolitics. Contact: sskaperd@uci.edu Etel Solingen, Distinguished Professor, Political Science and Thomas T. and Elizabeth C. Tierney Chair in Peace and Conflict Studies. Solingen studies the reciprocal influence between international political economy and international security, globalization and its discontents. She can discuss the crisis in terms of historical precedents (of international crises), the utility of sanctions, bargaining in crisis, Russia’s economic decline and how it bears on the current crisis. Contact: etel.solingen@uci.edu Media Contacts: • Tom Vasich, Communications Officer, UCI | 949-285-6455 | tmvasich@uci.edu • Heather Ashbach, Executive Director of Marketing and Communications, School of Social Sciences | 719-651-3224 | hashbach@uci.edu
It’s official — President Biden has selected Ketanji Brown Jackson as his nominee to the Supreme Court. If confirmed, she will the first Black woman to sit on the highest court in the nation. This is a momentous occasion for American history and reporters are clamoring to learn more. Our experts are ready with answers to help with your stories. Dr. Martha Ginn, professor of political science at Augusta University, is an expert on the judicial process, constitutional law and the U.S. Supreme Court. She discussed Jackson's credentials and the significance of her nomination. What is Ketanji Brown Jackson’s background and what credentials would bring to the Supreme Court? Why is she President Biden's top choice? President Biden made a campaign promise to nominate a Black woman to the SCOTUS if he had a vacancy to fill. While he had several strong contenders, Judge Brown Jackson is an obvious choice for many reasons. Like all current Justices, excluding Justice Barrett, Judge Brown Jackson has an Ivy League education. She has also clerked at the Supreme Court for Justice Breyer (whom she would replace). Interestingly, Justice Kavanaugh clerked for the Justice he replaced (Justice Kennedy) as well. Background and experience: Judge Brown Jackson was a federal district court judge for eight years (appointed by President Obama) and was just confirmed to the DC Court of Appeals last summer. The DC circuit court is seen as a training ground of sorts for Supreme Court Justices, as many nominees serve there first. What makes Judge Brown Jackson different is her experience as a public defender and then vice chairman of the sentencing commission. Bringing that experience to the Court will provide a much needed perspective on the rights of the accused. The Court recently heard a case regarding implementing the First Steps Act retroactively and it was apparent in the oral argument that some Justices did not appreciate the realities and complexities of sentencing in our criminal justice system. Judge Brown Jackson’s background will help fill that void. What does her appointment signify, seeing as she would be the first Black woman (but only third Black justice) in the history of the Supreme Court, as well as the first former public defender? Having four women on the Court at the same time will be important. More women than men attend law school now but the higher ranks of the profession are still male dominated, so having near parity in the nation’s highest Court is meaningful. Her race is also significant, since she will be only the third Black member of the Court and this would be the first time we have two Black members serving together. It’s likely she and Justice Thomas will be very different ideologically but regardless, demographic representation matters. More than ever the Supreme Court is deciding very controversial matters that impact everyone. Having a Court that represents all voices is significant in maintaining its legitimacy and making sure opposing viewpoints are considered in decision-making. With everything going on currently the nation and world, when do you project a vote will happen, and do you see it going through? Even with all that is going on in the world right now, this will be a top priority to the Democratic Party, particularly with President Biden’s low polling numbers and the upcoming midterm elections. With the slimmest of voting margins possible, the sooner the vote occurs, the better for the Democrats. The Republicans set the precedent with the Barrett nomination that the process can be done in weeks rather than the months taken in previous nominations. I anticipate the Democrats will follow that expedited model. It will be interesting to see if the three Republican senators who voted for her Court of Appeals appointment less than a year ago will oppose her nomination here. Justice Breyer conditioned his retirement on the successful appointment of his replacement. He intends to retire at the end of this year’s term (likely early July), so I would anticipate her confirmation vote by then at the latest. If you are a journalist covering this story, that’s where our experts on this topic can help. Dr. Martha Ginn, professor of political science at Augusta University, is an expert on the judicial process, constitutional law and the U.S. Supreme Court. Ginn is available to speak with media about this topic — simply click on her icon to arrange an interview today.
Operation Allies Welcome -- the official name for the American government's ongoing effort to assist vulnerable Afghans following the U.S. withdrawal from Afghanistan -- is the most significant U.S. resettlement effort since 1975. As of February 2022, some 65,000 Afghans have evacuated and settled in American communities. UConn School of Social work professors Kathryn Libal and Scott Harding have extensively studied the refugee resettlement process in America. In a recent essay for The Conversation, they detailed the resettlement process that refugees face -- and the challenges that individuals, families, agencies, and volunteers are enduring as the effort strains an already overburdened system. U.S. agencies brought in Afghans under humanitarian parole, rather than standard refugee procedures, because of the urgency of the evacuation. But the consequences may be profound. Some parolees had to wait weeks or months for the government or social service organizations to file paperwork granting them the right to work. Another challenge for parolees is securing family members’ admission to the U.S., which requires a high level of proof of threat to that particular individual. Many Afghan parolees should eventually qualify for asylum, but applying is a lengthy and complex process that generally requires significant legal assistance. More than 400,000 asylum cases are pending in the U.S. asylum system. Refugee resettlement organizations and voluntary groups that could normally help with filing asylum claims are already stretched thin. Evacuees’ advocates have called for approval of the Afghan Adjustment Act, which would allow Afghans to apply for lawful permanent resident status without waiting for the asylum system to rule on their cases or processing of special immigrant visa applications. Governors, businesses, celebrities, universities, military members, veterans and individuals across the U.S. have stepped in to support recent Afghan evacuees – many in locales with no history of resettling refugees. The responsibilities of resettlement, however, extend beyond helping evacuees in their first few weeks, to helping them secure a stable future. -- The Conversation, February 18, 2022 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.
Podcast: Germany’s caution over Russian aggression ‘disappointing’ NATO
Russia’s threat to Ukraine has highlighted differences between east and west Germans over handling of Russia, and the country’s cautious foreign policy Aston University academic explains why German soldiers shooting at Russian counterparts would be seen as a “tremendous failure” New Chancellor Olaf Scholz faces massive challenges including how to handle Covid-19, “crumbling” infrastructure, and climate change targets. Germany without its stalwart former leader Angela Merkel faces a number of huge challenges – not least the threat of Russia invading Ukraine. While Germany wants to provide leadership within the European Union, its diplomatic stance over Russia is at odds with many other countries within NATO. Those are the views of Dr Ed Turner, a reader in politics at Aston University, who was interviewed in the latest episode of the 'Society matters' podcast series, presented by journalist Steve Dyson. The episode, subtitled 'What Germany's new government means for the UK, Europe and Russia', follows a political shift following the departure of Chancellor Angela Merkel last year after 16 years in charge, after the defeat of her Christian Democratic Party. Dr Turner said the immediate priority for new Social Democrat Chancellor Olaf Scholz was “undoubtedly the crisis in Ukraine and the positioning of large numbers of Russian troops on Ukraine’s border, and the real worry that Russia will invade”. He said Germany wants the issue addressed, “but is doing so in a way that is really very cautious and is disappointing to many of Germany’s allies”. Dr Turner, who is also co-director of the Aston Centre for Europe, said Germany’s “very different approach” was reflective of its history with Russia. He explained: “There is a strong sense that Germany owes a significant debt, has a particular responsibility towards Russia for the losses incurred in World War One and, particularly, in World War Two. “The perception is that German troops once again firing at Russian soldiers would be a tremendous failure. Germany also places a strong emphasis on diplomacy as a way of engaging in foreign relations rather than hard military interventions.” There were also “economic angles”, he added, with Germany needing Russian energy at a time when it was committed to phasing out coal and nuclear power. Dr Turner, whose fascination with Germany began when he cycled through the country as a teenager, said a “carrot and stick” balance was dividing the country, with 68 per cent of west Germans but only 34 per cent of east Germans last year supporting EU sanctions against Russia. This reflected “really big disparities” more than 30 years after German reunification, with 60 per cent of east Germans feeling they are treated as second class citizens. Dr Turner said post-Merkel Germany faced big challenges including handling Covid-19, large parts of German infrastructure “really crumbling” with a big backlog of investment needed, and a pledge to move faster towards net zero emissions. But he added that UK-German relations in the wake of Brexit were not on the list of big things. “Good relations between the UK and Germany will depend on the nature of the UK’s relations with the European Union,” he said. “If the UK is at loggerheads with the European Union, in particular if there was a worsening of the situation in relation to the Northern Ireland protocol, then relations with Germany would get worse.” But Dr Turner said there was “huge affection” for the UK in Germany. “Germans are willing to disentangle the UK from Brexit and to say ‘we want to move on and don’t think badly of you’. I really want to see bridge-building between the two countries over the coming years.” Dr Turner said Germany remained “nervous” of the advance of the far right, especially if numbers of refugees coming to Germany were to grow. He said Angela Merkel would be remembered for Germany’s “humane response” to the 2015 refugee crisis, but others were “much more critical” over her policy. This, he added, led to German society becoming divided and the far right gaining ground. But Dr Turner acknowledged Mrs Merkel as a “remarkable leader who really broke the mould” as the first woman Chancellor and first from the east. In contrast, her successor is seen as a “steady hand on the tiller” as he heads a “traffic light coalition” of Social Democrats, Greens and Liberals. Episode 6 in series 2 of the ‘Society matters’ podcast and all previous episodes can be found HERE.
Troops are amassing along both sides of the border separating Russia and Ukraine. Diplomatic efforts from leaders from across Europe are in high gear as the concerns of an invasion and potentially all-out war between Russia and Ukraine could send the region into chaos. As the world watches and both sides gather allies for support, there are a lot of questions to ask, history to explore and explanations needed about what’s going on now and why. Dr. Craig Albert, associate professor of political science and director of the Master of Arts in Intelligence and Security Studies at program at Augusta University, sat down with ABC News to answer some of those lingering questions. Q: What is the reason for Russia’s interest in Ukraine? "If NATO allows Ukraine to become a member of NATO, which is what Putin is fearing here, he might think that they might want to go to Belarus next. Where else are they going to go? Georgia, the Republic of Georgia? Putin does not want NATO literally bordering the Russian federation. He thinks that’s a threat and would allow NATO to put missiles and missile defense in those countries, which as you know, is much more of a direct threat to Russia." Q: Maybe it comes down to the possibility of military threats. Why does the US care what’s happening way over there? "So, when you have any type of European possible land mass war, conventional war, that’s going to be a cataclysmic problem for the world. I think of the untold numbers of dead that would happen in some type of land conventional war, kinetic operations on Europe. The last time we had something like that was the wars in the former Republic of Yugoslavia in the early ’90s. That resulted in up to 300,000 to 400,000 dead in two or three years. So, we live in a globalized world, so if you have Eastern or Central Europe that gets confronted with a massive conventional war, that’s going to effect the security and the economy of the entire world including us." Q: So, is it just the US being world police again? "Each side is viewing the other as acting aggressively and I think both sides are just trying to sure up their defenses, just trying to make sure that they can handle the current situation. The United States is entering in what’s called a status quo power cycle, where the United States just wants the power of the international arena to stay where it is.” With news reports of an invasion potentially happening soon, there will be an enormous amount of coverage on this topic – and that’s where the experts from Augusta can help with your stories. Dr. Craig Albert is director of the Master of Arts in Intelligence and Security Studies at Augusta University. He is a leading expert on war, terrorism, and American politics. This is an important national and international issue. Albert is available to speak with media – simply click on his name to arrange an interview today.
Scholarship opportunities for international students in Canada
Pursuing a university or college education in Canada can open many career doors, but unfortunately tuition usually doesn’t come cheap. Tuition fees alone can cost tens of thousands of dollars per year, depending on your school and program of choice. In addition, international students in Canada spend anywhere between $27,000 CAD and $64,000 CAD per year on living expenses. Luckily, there are many fully-funded scholarships available to help international students manage the costs of a post-secondary education in Canada. To get you started, we’ve compiled a list of some of the top scholarships for newcomers that can help you achieve your academic goals in 2022 and beyond. It’s important to note that the application process and deadlines for the various scholarship options vary. For scholarships that are offered by universities or colleges, you’ll usually only be able to apply after you’ve been accepted into a study program. In some cases, you may be automatically considered for scholarships based on your academic or extracurricular achievements, without having to submit a separate application. For graduate-level scholarships awarded by schools, you may also need to be recommended or selected by your department. Be sure to keep track of the scholarships you’re planning to apply for, so you don’t miss out on application deadlines. Undergraduate scholarships for international students Lester B. Pearson International Scholarships This scholarship program at the University of Toronto assists international students who’ve demonstrated significant academic potential, creativity, and leadership. Around 37 international students receive this scholarship each year. Eligibility: You must be an international student (a non-Canadian who requires a study permit), currently in your final year of secondary school or have graduated no earlier than June 2021, and begin your studies at the University of Toronto in September 2022. What it covers: Tuition, books, incidental fees, and full residence support for four years. Deadline to apply: January 17, 2022 Other criteria: To become a Lester B. Pearson Scholar, you must be nominated by your school and apply to undergraduate studies at the University of Toronto. For more information on the application process, visit the Lester B. Pearson International Scholarships webpage. University of British Columbia International Scholars Program These scholarships are distributed based on both merit and need. UBC offers fifty scholarships each academic year, spread across four categories: the Karen McKellin International Leader of Tomorrow Award, the Donald A. Wehrung International Student Award, the International Impact Award, and the Vantage One Excellence Award. Eligibility: You must be an international student on a Canadian study permit entering UBC from a recognized secondary school or transferring from your first year at another college or university. You must have graduated from high school no earlier than June 2021 and be applying for your first undergraduate degree. In addition, you must demonstrate a level of financial need that would otherwise prevent you from pursuing a degree at UBC. What it covers: Awards are based on need, with the university dedicating approximately $10 million CAD a year to the fifty recipients in the program. Recipients also gain access to unique learning opportunities, annual retreats, dedicated advisors, and more. Deadline to apply: December 1, 2021 Other criteria: You only submit one application and don’t choose which award you’d like to receive. Rather, UBC will automatically consider you for all awards you’re eligible for. For more information on the application process, visit the UBC’s International Scholars Program webpage. Carleton Entrance Awards for International Students This program awards international students entering their first year of study at Carleton University with a record of high academic achievement. Eligibility: You must be admitted to Carleton with an average of 80 per cent or higher in high school, as well as meet the university’s language requirements. What it covers: Award amounts vary based on your grade average, but begin at a total of $4,000 CAD ($1,000 x four years) and go up to $16,000 CAD ($4,000 x four years) for the 2022 academic year. Deadline to apply: No separate application required. If you’ve been admitted to Carleton, you’ll automatically be considered for a scholarship. Other criteria: Scholarship value is calculated on your grade average at time of admission and won’t be recalculated based on your final marks. For more information, visit the Carleton’s Entrance Awards for International Students webpage. University of Calgary International Entrance Scholarship This program awards international students beginning their studies at the University of Calgary who have a track record of stellar accomplishments inside and outside the classroom. Currently, this scholarship is awarded two students each year, based on merit. Eligibility: You must be an international student registered full-time in an undergraduate degree program at the University of Calgary that commences in the Fall 2022 term. You must be a new student and present a minimum GPA of 3.20. You also must meet the university’s English Language Proficiency requirement. What it covers: The scholarship is $15,000 CAD, renewable annually in the second, third and fourth years at the University of Calgary, provided you achieve a GPA of 2.60 or more over a minimum of 24.00 units in the previous fall and winter terms. The total award amount is $60,000 CAD. Deadline to apply: December 1, 2021. You can apply for scholarships directly through the UCalgary portal. For more information, visit the University of Calgary’s International Entrance Scholarship webpage. Humber International Entrance Scholarships This program helps new international students enrolled in Graduate Certificate, Diploma, and Advanced Diploma programs at Humber College achieve their academic goals. This scholarship is awarded to ten undergraduate and ten graduate students each year. Eligibility: You must be enrolling at Humber College directly from a recognized secondary school, be a non-transfer student, and have a minimum final admission average of 85 per cent. In addition, you’ll need a 6.5+ score in IELTS (or equivalent) to qualify. What it covers: $2,000 CAD, over the first two semesters of your study Deadline to apply: September intake: the last day of May prior to Fall semester. January intake: the last day of September prior to Winter semester. May intake: the last day of January prior to Spring/Summer semester Other criteria: Even if you receive this scholarship, you’ll still have to pay the full tuition amount up front. The scholarship amount will be credited to your account after the tenth day of classes. In order to be eligible, you’ll need to provide the following: Your Humber Student ID number Confirmed Letter of Acceptance from Humber College for full-time program commencing in the appropriate Semester Personal statement of interest, including your Grade Point Average 2 reference letters Humber College also offers Bachelor’s Degree scholarships to all meritorious international students coming directly from high school with a grade of 75 per cent and above. If you qualify, you’ll automatically be awarded the scholarship without filing a separate application. For more information, visit the Humber International Entrance Scholarships webpage. Graduate scholarships for international students University of Manitoba Graduate Fellowship This program awards more than $2 million each year to full-time masters and PhD students at the University of Manitoba who have a history of academic excellence. Eligibility: All students accepted into these programs without provisions are welcome to apply, regardless of citizenship, given they have a minimum GPA of 3.0 at the time of admission. What it covers: UMGF master’s awards are valued at $14,000 CAD per year for 12 or 24 months, for up to a total of $28,000 CAD. UMGF doctoral awards are valued at $18,000 CAD per year for 12, 24, 36, or 48 months, for up to a total of $72,000 CAD. Deadline to apply: Students must be recommended by their department or unit to the Faculty of Graduate Studies for a UMGF. Consult your department for information on the application process and deadline. For more information, visit the University of Manitoba Graduate Fellowships webpage. Waterloo International Master’s Award of Excellence This scholarship recognizes international students who wish to undertake research-based Masters degree programs at the University of Waterloo. Eligibility: Applicants must be international students with a valid Canadian study permit who are registered full time. The scholarship is awarded to Masters degree students in research-based programs, and only students entering the first term of their program are eligible. Additional academic criteria will be decided upon by the faculty and you must not have any outstanding academic or probation issues. What it covers: The scholarship award is valued at $2,500 CAD per term for a maximum of five terms. Deadline to apply: You’ll be automatically considered for this scholarship with the submission of your regular application. The application deadline for most Masters programs commencing September 2022 fall within January to February 2022. For more information, visit the Waterloo International Master’s Award of Excellence webpage. Pierre Elliott Trudeau Leadership Scholarships This three-year scholarship program provides funding and other opportunities to twelve full-time doctoral students, and is not tied to one specific learning institution. Eligibility: Non-Canadians can be either permanent residents or foreign nationals enrolled in a doctoral program at a recognized Canadian institution. Field of study should be related to the humanities or human sciences with direct relevance to Canada’s future. You must already be accepted into years one or two of a doctoral program and expected to complete your studies by 2025. What it covers: Up to $40,000 CAD per year for three years to cover tuition and reasonable living expenses to focus on their doctoral studies and the Foundation’s leadership program. Additionally, up to $20,000 CAD per year for three years, for the learning of languages, for travel and accommodations for the Foundation’s leadership program, and for research, networking, and travel related to their doctoral research. There will also be access to opportunities to acquire greater proficiency in Canada’s official languages (French and English) as well as Indigenous languages. Deadline to apply: December 21, 2021 at 5 p.m. EST Other criteria: The selection process is a rigorous one involving multiple rounds of interviews. If successful, you’ll be expected to participate in and organize activities related to the Foundation outside your normal course of study. For more information, visit the Trudeau Leadership Scholarships webpage. Ontario Graduate Scholarship (OGS) This scholarship recognizes students enrolled in graduate studies at 19 publicly-funded Ontario universities, including the University of Toronto, University of Guelph, McMaster University, University of Ottawa, Queen’s University, Ryerson University, University of Waterloo, Western University, and York University. Each award is jointly funded by the Province of Ontario (two thirds) and the school offering the award (one third). Eligibility: International students who are studying or plan to study a full-time graduate program (master’s or doctoral level) at one of the 19 participating universities in Ontario under a valid temporary resident visa (student study permit) are eligible for OGS awards (valid study permits must be effective as of the graduate units’ OGS international application deadline). Currently registered international graduate students who have not yet been able to obtain a study permit due to COVID-19 circumstances are also temporarily eligible to apply. Applications are assessed on merit and must meet the criteria set by the participating schools. What it covers: The value of the OGS is $5,000 CAD per term. Thus, awardees may receive $10,000 CAD for two consecutive terms or $15,000 CAD for three consecutive terms. Deadline to apply: Date will be set by your graduate department or unit, who will then forward selected applications to OGS for final consideration. Other criteria: Applicants must submit an OGS application to their proposed graduate unit using their school’s centralized OGS application portal. If you’re applying to multiple participating schools, you’ll need to submit a different OGS application for each school. For more information, visit the Ontario Graduate Scholarships webpage. Where to find more information about scholarships for international students in Canada This list of scholarships is by no means comprehensive, so make sure to do your own research and see what else is out there! Start by checking if your academic institution offers any international student scholarships that you qualify for. You may also be eligible for program-specific or independent scholarships to fulfill your dream of studying in Canada. Educanada, studentawards.ca and scholarshipscanada.com are great resources to help you get started. Other ways to fund your university or college education in Canada While scholarships are a helpful tool, they’re far from the only way to fund a post-secondary education in Canada. Even if you do receive a scholarship, it may have to be supplemented with other sources. As an international student, you may be able to rely on student loans or lines of credit to fund your education in Canada. You may also qualify for student grants or bursaries that are offered by universities, colleges, and other organizations. Alternatively, many international students choose to work while studying to cover their living expenses in Canada. As an international student, studying in Canada can be expensive. However, the Canadian government and universities offer many scholarships to help international students achieve their academic goals. This resource will provide you with a starting point to research scholarship options to fund your education 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.
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.
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.
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.
The landscape of college athletics has changed greatly in the past year. For the first time ever, student athletes can now profit from the use their name, image and likeness. It’s been a hot topic subject for years, and now it’s come to fruition. Dr. David Hunt is an associate professor at Augusta University’s Pamplin College of Arts, Humanities, and Social Sciences and also the faculty athletics representative at AU. “It’s different for Division I and for Division II. For DI, there’s bigger audiences and they have bigger followings. But it isn’t D1, D2 and D3 specific; it just seems like people are willing to put more money into programs at the D1 level,” said Hunt. While some may think NIL deals go to the most popular athletes, that’s not always the case. “There are a lot of NIL opportunities for people who don’t have a huge number of followers, because it tends to hit a particular niche,” added Hunt. It’s not just the notoriety on the court or playing field that can garner an NIL deal, but also a player's social media activity and number of followers. These can be a big tool for student athletes receiving compensation for outside business ventures. “It can be cash or it can be in-kind payments. So for some influencers, companies just send them stuff in an effort to get them wearing it on their social media channels.” Some schools and athletic programs have already negotiated deals for an entire team where all the players can benefit from it, but Hunt said it could lead to legal questions over potential conflict of interest deals. “If a basketball program gets a NIL deal for the whole program with Adidas, can an individual player wear Under Armour? Can an athletic department even do that? It can be helpful and beneficial and monetarily advantageous for those students, but it’s not the students doing that,” said Hunt. All the NIL deals, especially those where schools negotiated them, can be used as a recruiting tool to entice athletes to come play for their program. This could create a recruiting advantage for some states over other states. “One university received NIL deals for every single female athlete. That is a huge advantage compared to other universities. So now some universities can recruit students based on the NIL opportunities and if the university has a support program for it, they can say we have a structure in place that you can take advantage of.” This is an important and emerging topic happening in schools and athletic programs across America, and if you’re a journalist looking to know more, then let us help with your questions and coverage. Dr. David Hunt is available to speak with media regarding student athletes now being able to profit from their name, image and likeness – simply click on his icon now to arrange an interview today.