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MEDIA RELEASE: Taylor Avenue in Winnipeg voted Manitoba’s Worst Road

Winnipeg, MB, June 3, 2021 – The votes have been tabulated and the CAA Manitoba Worst Road for 2021 is Taylor Avenue in Winnipeg, making it’s debut on the Top 10 list due to potholes and crumbling infrastructure. Taking the second spot is Provincial Road 307 and another debut in third spot is Provincial Road 250. “Everyone is affected by the quality of our roadways. Potholes and crumbling pavement continue to be the most critical issue identified by Manitoba motorists, followed by traffic congestion, ” says Heather Mack, government and community relations manager, CAA Manitoba. “Cyclists and pedestrians accounted for 10% of the votes and pointed to potholes, poor cycling infrastructure, and sidewalk obstructions as top concerns.” This year’s top 10 list had a significant turnover with more provincial highways topping the list and Winnipeg streets falling off the list due to the City of Winnipeg significantly investing in road renewal since 2015. There were nearly 3000 votes cast in the 2021 CAA Manitoba Worst Roads campaign. A total of 421 roads were nominated spanning 55 municipalities across Manitoba. The CAA Worst Roads campaign is a platform for Manitobans to make roads safer by helping municipal and provincial governments understand what roadway improvements are important to citizens, and where they need to be made. For the full list of the 2021 Worst Roads, please visit caaworstroads.com. The top 10 CAA Worst Roads in Manitoba this year are: Taylor Avenue, Winnipeg Provincial Road 307 Provincial Road 250 Provincial Road 450 Trunk Highway 34 Saskatchewan Avenue, Winnipeg St. James Street, Winnipeg Sherwin Road, Winnipeg Waller Ave, Winnipeg Empress Street, Winnipeg

Expert Says Financial Technologies Can Help Address Climate Change

“Financial technologies offer great promise to tackle climate change and provide pathways for developing sustainable economies and lifestyles,” says Aparna Gupta, a professor of quantitative finance at Rensselaer Polytechnic Institute and co-director of the Center for Research toward Advancing Financial Technologies (CRAFT), the first-ever fintech research center backed by the National Science Foundation. CRAFT brings together industry partners and policy makers to conduct research that is relevant for industry and has potential for commercialization. Dr. Gupta says that blockchain technologies combined with smart contracts and Internet of Things (IoT) devices are set to transform property and casualty insurance that is subject to increasing threats from climate change. Similarly, distributed ledger technologies can be utilized for issuing innovative climate finance securities, such as green bonds and climate derivatives, by facilitating traceable, transparent, and standardized transactions. Regulatory readiness to support blockchain-enabled green bonds and other climate finance securities issuance is underway across the globe. Climate fintech is also set to play a pivotal role in increasing renewable power generation and accelerating the transition to clean energy, according to Dr. Gupta. Digital lending platforms use crowdsourcing models to provide debt financing for residential solar energy systems. Climate-conscious consumers can make spending decisions that minimize their carbon footprint through solutions such as using a credit card that allows them to round up their purchases and use the change for planting trees. In the investment management and advisory space, there is a growing recognition of the need for environmentally sustainable investing. Responding to this need, fintech startups are offering platforms for clean energy investments and enabling investors to construct low-carbon-impact financial portfolios. “Financial technologies innovations are poised to transform almost all aspects of financial services, and in doing so, offer great opportunities to address climate change challenges,” Dr. Gupta says. In addition to her leadership in fintech, Dr. Gupta is at the helm of a team of financial and renewable energy experts developing risk management tools to incorporate renewable energy into the energy market. They will set and standardize risk factors to make it easier for this critical industry to be both productive for investors and creators and systematized for users, similar to the rating system created for the bond market. Dr. Gupta also serves on the Climate Risk Working Group of the Financial Risk Manager Advisory Committee for the Global Association of Risk Professionals tasked with identifying the important climate issues for the training of future global risk professionals. Dr. Gupta is among the many experts and researchers at Rensselaer available to speak on this topic.

Aston University wins share of £118m funding to accelerate its research impact

The Impact Acceleration Account (IAA) investment over three years focuses on maximising impact, knowledge exchange, translation and commercialisation potential within research organisations Funding allows researchers to unlock the value of their work, including early-stage commercialisation of new technologies The University will receive over £580,000 ‘to accelerate UK bright ideas into global opportunities'. Aston University has won a share of £118m in UK Research and Innovation (UKRI) funding. The Impact Acceleration Account (IAA) investment over three years focuses on maximising impact, knowledge exchange, translation and commercialisation potential within research organisations. Funding allows researchers to unlock the value of their work, including early-stage commercialisation of new technologies and advancing changes to public policy and services such as NHS clinical practice. UKRI, a government body responsible for delivering £8bn research and innovation funding each year, is investing £118 million in the latest round of IAAs to translate research across 64 universities and research organisations. Aston University was successful in gaining both Engineering and Physical Sciences Research Council (EPSRC) and Biotechnology and Biological Sciences Research Council (BBSRC) IAA funding – the latter one of only 15 IAA full awards nationally. Luke Southan, technology transfer manager at Aston University, said: “This funding will be transformational for Aston University’s capacity to get the best good from the research it carries out. “We have a pipeline of world-changing inventions, medical treatments, net-zero initiatives and spinout companies that we can give the greatest chance of success through these highly prestigious pots of funding.” UKRI director of commercialisation, Tony Soteriou, said: “The UK is home to some of the brightest, most innovative and creative research teams in the world. They have the ideas and they have the entrepreneurial energy to create businesses and services that could turn sectors on their head. “What they need, what every great commercial idea needs, is support in the critical early stages. The Impact Acceleration Account is the catalyst that allows projects to grow to the next level, attracting investment, forging partnerships and creating jobs. “The breadth of UKRI allows us to work right across the UK’s world-class research and innovation system to ensure it builds a green future, secures better health, ageing and wellbeing, tackles infections, and builds a secure and resilient world.”

MEDIA RELEASE: Voting for the CAA Worst Roads campaign is now open to all Ontarians

Tired of swerving around potholes? Worried about your safety as a cyclist or pedestrian? Voting is now open for the annual CAA Worst Roads campaign and CAA South Central Ontario (CAA SCO) is giving Ontarians the opportunity to voice their concerns about the bad roads in their community. “We know that through CAA’s research, almost three quarters (72 per cent) of Ontarians are venting about the state of our roads to either their spouses, friends or co-workers and not always to local government officials,” says Teresa Di Felice, AVP government and community relations, CAA SCO. “As we kick off another year of the CAA Worst Roads campaign, we are calling on all Ontarians to vote for their Worst Roads today and join the community of drivers, cyclists, transit riders and pedestrians committed to improving Ontario’s roads.” The campaign informs decision-makers across various levels of government which roadway improvements are top of mind for road users, and where improvements could be prioritized. Ontarians can vote on issues ranging from congestion, potholes, poor road signs and the timing of traffic lights to pedestrian and cycling safety. “The key to economic recovery is the investment in roads and supporting infrastructure because when we invest in our roads, we also create jobs,” says Di Felice. “Throughout the pandemic, our roads have been the arteries used every day to keep essential workers, goods and services flowing. Now more than ever, funding for roadway improvements and proper infrastructure needs to be consistent to ensure that quality and safety is maintained for everyone.” According to the 2019 Canadian Infrastructure Report Card, a concerning amount of municipal infrastructure is in poor or very poor condition. The report card also highlights spending $1 on pavement preservation may eliminate or delay spending $6-$10 on costly repairs later. CAA’s research also shows that more than 80 per cent of Ontarians say poor road conditions such as cracks in pavement (89 per cent) and potholes (82 per cent) are still the most common issues in their neighbourhoods. The damage to a vehicle caused by a pothole can range from $300, with some fixes topping $6,000 depending on the make and model of the car. “As the inventory of vehicles continues to remain scarce due to the global semiconductor chip shortage, more people are now trying to hold on to their cars for longer. Not only can poor roads cause damage to vehicles but they also contribute heavily to the wear and tear of tires and increased fuel consumption which is why the maintenance and quality of our roadways is so important.” added Di Felice. Kinga Surma, Ontario’s Minister of Infrastructure echos the importance of investing in quality roadways and infrastructure. “Our government has made a historic investment of an additional $1 billion over the next five years through the Ontario Community Infrastructure Fund (OCIF) that will provide stability and predictability to 424 small, rural and northern communities. This funding will allow them to repair, upgrade, and modernize their critical infrastructure so that they are safer, healthier and more reliable for all. Our government acknowledges the important role that road infrastructure plays in our province, and we recognize the work that the CAA does to engage with our communities to further strengthen Ontario’s critical infrastructure and contribute to the province’s economic growth.” Nominations for CAA’s Worst Roads can be cast at caaworstroads.com until April 19. Once voting is closed, CAA will partner with Ontario Road Builders’ Association (ORBA) to verify and compile a list of the top 10 Worst Roads in Ontario, along with the top five Worst Roads in regions across the province. The regional lists will help shine further light on the state of local roads in municipalities across Ontario. “The goal of the CAA Worst Roads campaign is to get roads repaired in a timely manner by working in partnership with government to invest in road maintenance, repair and replacement,” says Bryan Hocking, CEO, ORBA.” “The Ontario Road Builders’ Association’s role in this campaign is a technical one. We will assess each road on the list, offer a life cycle analysis, and analyze how long the road can last in its current condition and offer an explanation for its deterioration,” added Hocking. CAA will present the list of 2022 Worst Roads to local and provincial officials to help inform future funding and planning decisions.

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.

Aston University encourages SMEs to sign up to Innovation Workshops to support business growth

SMEs with a registered or trading address in Birmingham, Solihull, Redditch, Bromsgrove or the Wyre Forest are invited to attend The full series consists of three workshops hosted by academics from Aston Business School and Birmingham City Business School The workshops are part of the Innovation Vouchers scheme to help drive innovation and business growth SMEs with a registered or trading address in Birmingham, Solihull, Redditch, Bromsgrove, or the Wyre Forest have been invited to attend Aston Business School’s Innovation Workshops. The free1 workshops are part of the Innovation Vouchers project, which is part funded by the European Regional Development Fund. The full series consists of three workshops hosted by academics from Aston Business School and Birmingham City Business School on 2, 9 and 23 February 2022 running from 9.30 am to 5.00 pm at The Eastside Rooms in central Birmingham. The academics include Innovation Vouchers project director Professor Nick Theodorakopoulos and head of Aston Business School Professor Pawan Budhwar. The workshops are on three key areas: 2 February 2022: Envisioning Growth through Innovation 9 February 2022: Leadership & Strategy for Innovation 23 February 2022: Marketing for Innovation Attendees who attend all workshop sessions will receive a ‘Managing Innovation in Business’ certificate from Aston Business School. Nick Theodorakopoulos, professor of entrepreneurship development and Innovation Vouchers project director at Aston Business School, said: “The Innovation Workshops support small-and-medium sized businesses to build their capacity to innovate and grow. “Independent evaluations from the previous project phases have showed that workshops have a positive impact on attendees, resulting in substantial increases in gross value added and new job creation. “The staff who deliver the workshops are experts in their field with excellent industry experience. I would encourage businesses owners to attend the Innovation Workshops and grow their business.” Tickets for the Innovation Workshops are available HERE. Notes to Editors 1The workshops are free for eligible businesses. However, de minimis rules apply. The support we plan to provide through the workshops will comply with the State Aid rules using the de minimis exemption (in accordance with Commission Regulation (EU) No 1407/2013, OJ L 352/1). Under this exemption a single undertaking may receive up to the limit of €200,000 of De Minimis aid from the Member State within which it does business and which provides the aid over any period of three fiscal years. To attend the workshops, you will be asked to complete a Statement of Previous Aid received under the De Minimis exemption and arrange for a director of your business to sign it. Using this information we will assess your eligibility to receive assistance. About Innovation Vouchers European Regional Development Fund The project is receiving up to £803,273 of funding from the England European Regional Development Fund as part of the European Structural and Investment Funds Growth Programme 2014-2020. The Ministry of Housing, Communities and Local Government (and in London the intermediate body Greater London Authority) is the Managing Authority for European Regional Development Fund. Established by the European Union, the European Regional Development Fund helps local areas stimulate their economic development by investing in projects which will support innovation, businesses, create jobs and local community regenerations. For more information visit https://www.gov.uk/european-growth-funding Workshop Times and Dates All Innovation Workshops start at 9.30am and end at 5pm.

Aston University opens applications for Midlands’ Pitch Up investment competition

The Minerva Birmingham Pitch Up Competition is aimed at small business leaders looking for support with gaining investment Ambitious business leaders can improve their ability to win investment while boosting their profile The final will take place at Venturefest on 24 March 2022 at Eastside Rooms. Applications to Minerva Birmingham’s Pitch Up 2022 competition have opened. Formerly known as ‘Pitchfest WM’ and now in its 7th year, participating businesses have the chance to pitch head-to-head to a variety of investors to win a cash prize, and the ultimate accolade of Pitch Up Champion. Pitch Up is a collaboration, co-delivered by the Aston Centre for Growth, University of Birmingham Enterprise, and Minerva Business Angels, part of the University of Warwick Science Park Ltd. The competition provides the opportunity for ambitious business leaders to improve their ability to win investment while simultaneously boosting their business profile. Interested business leaders can apply here, applications close on 28th February. Shortlisted applicants will be supported through a workshop to refine their pitch deck, sharpen their pitching skills and receive valuable feedback in order to improve. The first workshop will take place on 20 January 2022. A select number of successful applicants will then advance to the next stage of the competition and have the opportunity pitch to an investor-led panel to gain more practice and receive more feedback. The best performing businesses will then be selected to pitch at the prestigious Pitch Up Final. This will take place as part of Venturefest WM on 24 March 2022 at Eastside Rooms, Birmingham. Venturefest attracts some 300 delegates including investors, entrepreneurs and innovators. The overall winner will be decided by audience vote and crowned Pitch Up Champion 2022, they will receive a cash prize and the option of additional support from Minerva Birmingham. Last year’s winner, Mark Platt Founder and CTO of Figura Analytics, said: “I was really amazed to win last year’s competition and delighted at the new connections and networks I made as part of the process. “The support received through the competition was fantastic; each workshop I attended allowed me to meet new people, learn new skills and left me energised and eager for more. Our winning pitch was definitely the result of some really insightful advice and feedback from the team and panel members.” The event has put more than 125 entrepreneurs directly in front of investors and helped bring in excess of £40,000,000 of investment to the region's small businesses to date. Paula Whitehouse, director of Aston Centre for Growth, said: “We are delighted to continue this collaboration, Minerva Birmingham Pitch Up exists to boost access to finance for the region’s most exciting and innovative young businesses. “The competition continues to play a crucial role in unlocking opportunities and investment for the future of high growth companies within the region.” Alex Toft, head of Minerva Business Angels, part of the University of Warwick Science Park Ltd. said: “It’s great to be part of such a collaborative relationship building not only support for our entrepreneurs but helping to build that support structure of finance and experience provided by investors. “This is a great opportunity for those earlier in their development cycle who would otherwise struggle to get noticed. We also continue to call on those who have never considered angel investing to join to reach out to us to find out more.” David Coleman, CEO of University of Birmingham Enterprise said: “Within the Midlands, there is a clear disparity between the large proportion of the UK's high-growth companies that are based here, and the investment secured. “That's why collaborative programmes like Pitch Up, which engage a diverse range of investors, are so important to increasing the likelihood of companies securing the funding they need.” Find out more about Pitch Up, by contacting centreforgrowth@aston.ac.uk, visiting Minerva Birmingham Pitch Up or apply now here.

Squid Game: why you shouldn’t be too hard on translators

By David Orrego-Carmona Squid Game has recently become Netflix’s biggest debut ever, but the show has sparked controversy due to its English subtitles. This occurred after a Korean-speaking viewer took to Twitter and TikTok to criticise the subtitles for providing a “botched” translation, claiming: “If you don’t understand Korean you didn’t really watch the same show.” Only this year, Squid Game, Lupin, and Money Heist – all non-English originals – have consistently been at the top of Netflix’s most-watched shows globally. This growing popularity of productions in languages other than English and streaming platforms investing more in them has led to an increase in the visibility of the work of translators. When it comes to translating films and series, subtitling and dubbing are the most common forms of translation. Subtitles show the dialogue translated into text displayed at the bottom of the screen; while in dubbing, the original voices of the characters are replaced with voices in a new language. Translation is not new to viewers, but the instant, almost frictionless access to different language versions of the same film or show definitely is. Streaming platforms allow viewers to swiftly change from watching a film with subtitles to listening to the dubbed version or the original. This creates an opportunity for viewers to compare the different versions. Why do originals and translations differ? Just because the translation doesn’t say exactly the same as the original, it doesn’t mean it’s wrong. Films and TV series are packed with cultural references, wordplay and jokes that require changes and adaptation to make sure what’s said and seen on screen makes sense across languages. Making allowances and adapting what’s said are common practices in translation because, otherwise, the translators would need to include detailed notes to explain cultural differences. Consider the representations of washoku (traditional Japanese cuisine) which are so beautifully embedded in Studio Ghibli films. While additional explanations about the significance of harmony, kinship and care represented in the bowls of ramen in Ponyo or the soft steaming red bean buns in Spirited Away could be interesting, they might get in the way of a viewer who just wants to enjoy the production. Professional translators analyse the source content, understand the context, and consider the needs of the variety of viewers who will be watching. They then look for translation solutions that create an immersive experience for viewers who cannot fully access the original. Translators, similarly to screenwriters and filmmakers, need to make sure they provide good, engaging storytelling; sometimes that implies compromises. For instance, some original dialogue from season two of Money Heist uses the expression “somanta de hostias”. Literally, “hostia” means host – as in the sacramental bread which is taken during communion at a church service. But it is also Spanish religious slang used as an expletive. Original: Alberto, como baje del coche, te voy a dar una somanta de hostias que no te vas ni a mantener en pie. Literal translation: Alberto, if I get out the car, I’m going to give you such a hell (hostia) of a beating that you won’t be able to stay on your feet. Dubbed version: If I have to get out of the car, I’m gonna beat you so hard you don’t know what day it is. Subtitles: Alberto, if I get out of the car, I’ll beat you senseless. The dubbed version of the dialogue adopts the English expression “to beat someone”. The subtitled version uses the same expression but offers a shorter sentence. The difference between the two renderings reflects the constraints of each form of translation. In dubbing, if the lip movements don’t match the sound, viewers often feel disconnected from the content. Equally, if subtitles are too wordy or poorly timed, viewers could become frustrated when reading them. Dubbing needs to match the duration of the original dialogue, follow the same delivery to fit the gesticulations of the characters, and adjust to the lip movements of the actors on the screen. Subtitles, on the other hand, need to be read quickly to keep up with the pace of the film. We talk faster than we can read, so subtitles rarely include all the spoken words. The longer the subtitle, the longer the viewer will take to read it and the less time they will have to watch. According to Netflix policies, for example, subtitles can’t have more than two lines and 42 characters, and shouldn’t stay on the screen for longer than seven seconds. Additionally, in the above example, the translations do not reflect the reference to religious slang, typical of Spanish culture. Rather than fixating on this reference and assuming it is an essential part of the dialogue, a good translator would consider what an English-speaking character would say in this context and find a suitable alternative that will sound natural and make sense to the viewer. New rules of engagement It is encouraging to see that some viewers are so devoted to the content they watch: foreign films and TV shows help promote cultural understanding and empathy. But not all viewers act in the same way and the solutions provided by the translators need to cater to everyone who decides to watch the show. This leads to different viewing experiences, but it only reflects the reality of watching any culturally charged product, even in our own languages. In English, for instance, consider all the references and nuances that a British viewer could miss when watching an English-language film produced in South Africa, Jamaica or Pakistan. Translators do not blindly look for literal translations. On the contrary, in the translation profession, hints of literal translation often signal low-quality work. Translators focus on meaning and, in the case of films and series, will endeavour to provide viewers with a product that will create a similar experience to the original. The case of Squid Game has been instrumental in bringing discussions about translation to the fore. Of course there are good and bad translations, but the main gain here is the opportunity to debate what determines this. Through such discussions, viewers are becoming more aware of the role and complexities of translation.

Aston University to officially launch Cyber Security Innovation Centre at Birmingham Tech Week

It will take place at Conference Aston on 13 October, during Birmingham Tech Week 2021 Line up of speakers includes experts from Security Exports Department for International Trade, DCMS and the IoD The event will be of relevance to companies, alumni, academic staff interested in cybersecurity. The Cyber Security Innovation (CSI) Centre at Aston University will host its inaugural event during Birmingham Tech Week 2021. The CSI Centre, established in 2020, brings together stakeholders from industry, government and leading cyber security research institutions with the aim to deliver industry-aligned research outcomes. CSI members include globally-recognised academics undertaking research projects that address real-world cyber security challenges through innovative solutions. Cyber (In)Security, Requires a Robust Approach Through Continuous Innovation, will see a broad range of contributors taking part across the face-to-face event on 13 October. They include speakers from the UK Defence and Security Exports Department for International Trade, the Institute of the Directors (IoD), Cyber Senior Policy Lead, DCMS, Opel/Vauxhall and Professor Vladlena Benson, Director of CSI Centre. Professor Vladlena Benson, director of the CSI at Aston Business School, said: “I am delighted to officially launch the CSI Centre at Conference Aston during Birmingham Tech Week 2021 and am looking forward to welcoming everyone to our first face-to-face event. “This is a wonderful opportunity to meet face-to-face with industry-leading experts, academics and start-ups. With most of the UK confined to working from home for over a year, there is no better opportunity to meet and build relationships with the people who can help business owners grow, innovate and make their companies more resilient. “Statistics shows that UK small businesses are successfully hacked every 19 seconds2 and new certification standards coming into play for consumer IoT devices and cyber-physical access control systems. It is time to find a robust approach maximising the effectiveness of cybersecurity investment now. “The bad guys are winning the cyber security war - the good guys need to do better. Although organisations are investing more and more in cyber security, the average number of days to detect a breach is increasing year on year, not reducing. So, we need to do something different.” To attend the event on 13 October 2021, you can sign up HERE.

Canadian finances 101: What you should know as a newcomer

Canada’s financial ecosystem is made up of banks, credit unions, trusts, and other financial and insurance companies and it is considered to be one of the most sound and safest in the world. According to the Global Competitiveness Report 2019, published by the World Economic Forum, Canada ranked 9th globally for its financial system, showcasing stability and reliability. As you plan your move, familiarizing yourself with the Canadian banking and financial landscape can help provide context to key tasks like opening bank accounts, building credit history, borrowing money, and filing taxes. In this article: Types of financial institutions in Canada Getting started with taxes: The Canada Revenue Agency (CRA) Canada: A credit-based economy Banking, investments, and money transfers What are the types of financial institutions in Canada? Financial institutions in Canada can be classified into three main categories: 1. Banking institutions These are places where you can deposit, withdraw and borrow money. Examples of such institutions include banks, online-only banks, credit unions, trust companies, mortgage companies, etc. Banks A bank is licensed to receive deposits and make loans. Most banks are managed by the national government. The five largest banks in Canada are often referred to as the “big five” in banking. They are: Royal Bank of Canada (RBC), Toronto-Dominion Bank (TD), Bank of Nova Scotia (Scotiabank), Bank of Montreal (BMO), and Canadian Imperial Bank of Commerce (CIBC). Sometimes, you may hear the term “big six,” including the National Bank of Canada – although, note that its operations are primarily focused in the provinces of Quebec and New Brunswick. Digital-only banks In addition to these banks, there are a few digital-only banks, such as Tangerine (a subsidiary of Scotiabank), Simplii Financial (a subsidiary of CIBC), and EQ Bank. They provide all services online only and do not have any physical branches. Credit unions A credit union is a smaller financial institution that is owned by its members, who are also typically account holders. They operate under provincial legislation and regulations and provide similar services as banks. The main difference between a credit union and a bank is their structure; credit unions are owned by anyone with money in the credit union. The operations are supervised by a democratically elected board of directors made up of local community members. Due to their scale of operations, note that credit unions may have fewer branches and ATMs than a big bank would. Tip: As a newcomer to Canada, you can choose any financial institution of your choice. However, it is helpful to know that the big five banks (like RBC) have newcomer banking packages that specifically cater to permanent residents and international students and are thus better positioned to assist you in your unique situation. Trust companies Trust companies are legal entities similar to banks that act as an agent (on behalf of a person or business) for the purpose of administration, management and the eventual transfer of assets to a party. Mortgage companies Money lending entities such as mortgage finance companies (MFCs) and mortgage investment corporations (MICs) provide real estate financing. MFCs are non-depository financial institutions that underwrite and administer mortgages sourced through brokers. Their lending is funded mainly through securitization or direct sales to third parties, primarily the big six banks. MICs and other private investors typically deal in uninsured, customized mortgage products that are not available through traditional channels. These products include non-prime loans, second mortgages and very short-term mortgages. Key financial authority: The Bank of Canada The Bank of Canada is the nation’s central bank. Its principal role is to promote the economic and financial welfare of Canada. The Bank influences the supply of money circulating in the economy, using its monetary policy framework to keep inflation low and stable. It promotes safe, sound and efficient financial systems, within Canada and internationally, and conducts transactions in financial markets in support of these objectives. Additionally, the Bank of Canada also designs, issues and distributes Canada’s bank notes and acts as the “fiscal agent” for the government of Canada, managing its public debt programs and foreign exchange reserves. It also sets the interest rates in Canada. 2. Insurance companies These are entities that sell insurance to cover the risk of loss in various situations, caused due to a variety of factors. They include homeowner or renter’s insurance, health insurance, car insurance, life insurance, and more. They compensate you for any loss that’s covered by your insurance policy. Once you purchase a specific type of insurance, you are required to make periodic payments, called premiums, to the insurance company to avail of the agreed-upon coverage. 3. Investment companies These are organizations that focus on investing, administering or managing funds or money on behalf of other persons. Examples of such companies are investment banks, hedge funds, underwriters, and brokerage firms. Note: There might be an overlap in the services provided by financial institutions. For instance, a leading bank like RBC offers banking services, mortgages, a wide variety of insurance options, investment solutions, and more. Tip: Beware of predatory lenders offering payday, instalment, and other types of loans with very high interest rates. These lenders often prey upon people who need cash quickly and who have run out of all other options. They usually have exorbitant interest rates, confusing and misleading representations, and a lack of transparency and documentation. Therefore, always double-check money lending claims that seem too good to be true. Note that payday loans are provincially regulated while instalment loans are unregulated. What this means is – while interest rates cannot exceed 60 per cent, lenders are effectively free to change terms and add fees and other charges almost at will. Getting started with taxes: The Canada Revenue Agency (CRA) The CRA administers tax laws for the Government of Canada and for most provinces and territories. It administers various social and economic benefit and incentive programs delivered through the tax system. The CRA website is the go-to place for everything related to your taxes: filing annual tax returns, checking receipt of Government benefits and subsidies, viewing tax documents, etc. Important: To register for CRA’s “My Account,” you must have filed a tax return for the current or a previous year. Download Arrive’s free tax guide for newcomers for insights on how to file your taxes and to make sure you’re prepared to manage the expectations that come with paying taxes in Canada. Note: Beware of a long-running CRA scam with callers posing as representatives of the CRA. The CRA will never use threatening language nor ask for information about your passport, health card, driver’s license, or demand immediate payment by Interac e-transfer, bitcoin, prepaid credit cards or gift cards from retailers such as iTunes, Amazon. Canada: A credit-based economy North American countries such as the U.S. and Canada are known to be credit-based economies. This essentially means that most people use their credit cards (instead of debit cards or using cash) to make purchases and then repay the entire amount owed either at the end of their credit card billing cycle or in installments. You will need to build your own credit history, since this is essential to many aspects of life in Canada. Once you receive your first credit card, start by making payments for small expenses such as phone bills or groceries, and be sure you pay the balance in full by the end of the billing cycle. Tip: Keep in mind that credit cards have limits and do not offer free money. They can carry very high-interest rates, so your balance should be managed and paid down promptly – this will help you maintain a good credit rating. A credit score is a way for financial institutions to measure your ability to repay loans. Some scenarios where you may be asked for a credit report are while renting accommodation, applying to certain jobs, and obtaining mortgages or other loans from the bank. Additional resources Download Arrive’s free Credit guide to learn more about credit cards, credit scores, and credit ratings in Canada. For tips on staying debt-free and building your credit history in Canada, read How to build a good credit score from scratch as a newcomer. Banking, investments, and money transfers in Canada Banking Like many other countries, in Canada, you can conduct all your banking and money transfer transactions by walking into a branch or online, through internet banking. See How to open a bank account in Canada as a newcomer to know the process of opening a newcomer account. The article will also provide tips and resources to help you learn more about credit and direct deposits. Investments There are many financial products available to save and invest your money in Canada. They can be broadly classified into savings accounts, registered savings plans and investment products. Depending on your goals and your appetite for risk, you can choose one or a combination of several of these. Read Savings and investments for newcomers in Canada for deeper insights into all available investment products. Money transfers For domestic peer-to-peer payments (think: sending money to a friend, relative, co-worker, or acquaintance in Canada), there are a couple of ways to send and receive money online: Interac and Paypal. Interac is a bank-based tool, while Paypal is a non-bank, third party service. Among these, Interac e-transfers are the most popular and widely used form of peer-to-peer payments in Canada. You can send money overseas through online or mobile banking, by telephone, by email, or in-person. Banks like RBC have a simplified, affordable, and convenient process for international money transfer through online banking. If you have the recipient’s banking information handy, all it takes is a few clicks! Some popular options for international remittances are: Banks Credit unions Money transfer operators like Western Union, MoneyGram, WorldRemit, etc. Peer-to-peer transfer providers such as Transferwise (now, Wise), CurrencyFair, Paypal, etc. Currency exchange businesses When sending money overseas, the Canadian federal government tracks large sums (over $10,000 CAD) through Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) to prevent money-laundering, terrorism funding, and related crimes. Understanding financial products and regulatory agencies in Canada can make you feel overwhelmed. Start with the basics so you can build awareness and a strong foundation to manage your finances in Canada. Original article located here, published by Arrive.