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Covering the rising tensions between Russia and the West? Let our expert help with your questions and coverage featured image

Covering the rising tensions between Russia and the West? Let our expert help with your questions and coverage

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.

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3 min. read
Senior lecturer at Aston University appointed as a Champion of the Microbiology Society featured image

Senior lecturer at Aston University appointed as a Champion of the Microbiology Society

Dr Jonathan Cox, a senior lecturer in microbiology at Aston University, has been made a Champion of the Microbiology Society for the Midlands area, U.K. Microbiology Society Champions are members who help to raise the Society’s profile in their local area by initiating activities and events of their own or participating in Society-led events. They are appointed because of their passion for their subject matter and an enthusiasm to communicate it widely. Jonathan’s research interests surround the discovery of new antibiotics. He leads the Mycobacterial Research Group at Aston University, a multidisciplinary team spanning microbiology, biochemistry, molecular genetics, structural biology and drug discovery. The team’s main focus is to study the physiology of various pathogenic mycobacteria and to discover new ways to treat infections. He also teaches at Aston University and currently leads the teaching for first year microbiology on courses in biomedical science, biology and biochemistry, Jonathan also regularly engages with the press to comment on news stories and issues related to microbiology, infectious diseases and antibiotic resistance. He has been a full member of the Microbiology Society for 10 years and has already contributed in many ways, including hosting the Microbiology Society Roadshow at Aston University in 2021. He has also been featured in Microbiology Today discussing his research. Speaking of his appointment, Jonathan said: “Anti-microbial resistance (AMR) accounts for around 700,000 deaths per annum globally and that number is predicted to rise to 10 million by 2050. The current economic burden of AMR is estimated to be at least €1.5 billion per year in the EU. New antibiotics and an improved understanding of how to use them will help to slow the progression of AMR, saving countless lives in the future. “I am delighted to have been appointed as a Microbiology Society Champion and to use this opportunity to raise the profile of the Society and, in particular, the importance of research into AMR.”

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2 min. read
New £2.8m MRI scanner delivered to Aston University featured image

New £2.8m MRI scanner delivered to Aston University

A landmark moment in the improvement to facilities at Aston Institute of Health and Neurodevelopment (IHN) has been reached with the arrival of its new £2.8m MRI scanner on site. A landmark moment in the improvement to facilities at Aston Institute of Health and Neurodevelopment (IHN) has been reached with the arrival of its new £2.8m MRI scanner on site. The new Siemens MAGNETOM Prisma 3T MRI scanner will enhance the world-class neuroimaging research facilities within the Institute. The old machine has already been removed from the building and internal spaces are currently being refurbished before the new scanner is lifted into the building. Researchers in the Institute use advanced neuroimaging techniques to discover biomarkers of brain health in children with neurological disease. By detecting those biomarkers, they are able to determine those who are at risk of longer term poor cognitive, behavioural and health outcomes with the goal/vision of providing early support to those children who need it most. The new scanner will also enable the Institute to provide the most recent innovations in MRI for patients visiting through the clinical service, Aston University Imaging. Patients visiting for MRI scans come through private referrals, as well as from local institutions such as the Birmingham Royal Ballet and Aston Villa football club. Professor Jackie Blissett, co-director of Aston Institute of Health and Neurodevelopment, said: “The arrival of our new MRI scanner is tremendously exciting. This state-of-the-art equipment is core to our child-focused research programme that delivers a new understanding of development and disease and the interventions that will make a difference.” Aston University Students' Union President, Balraj Purewal added: "It is great that we have a new state-of-the-art MRI scanner being installed on our campus. It will not only help our researchers in their work, but will also be of benefit to patients in the community, including young people, supporting both their diagnosis and treatment." For more information about the Aston Institute of Health and Neurodevelopment, please visit our website.

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2 min. read
Aston University teams up with biotechnology company to develop commercial-scale production of membrane-associated proteins featured image

Aston University teams up with biotechnology company to develop commercial-scale production of membrane-associated proteins

Aston University has teamed up with biotechnology company Biocleave Ltd in a new knowledge transfer partnership (KTP) to develop the company’s capacity to produce membrane-associated proteins on a competitive commercial scale. The partnership will see Aston University’s world-leading expertise provide next-level solutions to a complex problem and provide exciting breakthroughs from both commercial and scientific standpoints. A knowledge transfer partnership (KTP) is a three-way collaboration between a business, an academic partner and a highly qualified graduate, known as a KTP associate. The UK-wide programme helps businesses to improve their competitiveness and productivity through the better use of knowledge, technology and skills. Aston University is the leading KTP provider within the Midlands. Biocleave Ltd produces ‘Research Use Only’ (RUO) proteins. These are used widely in industry and academia to study and develop diagnostics and disease treatments. The process of manufacturing these proteins is known as ‘expression’, requiring host cells to produce them. The company is the first to engineer the non-pathogenic microbe Clostridia as a recombinant protein expression host, enabling them to overcome the typical expression challenges of production host toxicity and costly development cycles. Initial trials have demonstrated advantages to making membrane-associated proteins in Clostridia compared with established production systems. However, these proteins are associated with the fatty membrane that surrounds a cell and are not soluble in water. While Biocleave has well-established proprietary technology for manipulating the microbes, they want to extend their expertise for purifying these challenging membrane proteins, essential to commercialising their production. The Aston University team will be led by Dr Alan Goddard, senior lecturer in biochemistry in the School of Biosciences and founding member of Aston Membrane Proteins and Lipids (AMPL). Dr Goddard’s research focuses on the application of membrane biology to industrially relevant problems. He has nearly 20 years' experience working with membranes and their integral proteins. Dr Goddard will be joined by Professor Roslyn Bill, associate dean (research) for the College of Health and Life Sciences and director of AMPL. Professor Bill’s research focuses on the purification and characterisation of membrane proteins and she has published extensively on yeast as a recombinant expression host. Commenting on the project, Dr Goddard said: “This is a really exciting opportunity to leverage the decades of research experience Professor Bill and I have with expressing and purifying membrane proteins. It will allow Biocleave to enter new markets, many of which are important for drug development and healthcare. Hopefully, the products we make will have positive benefits not only for Biocleave’s customers but also wider society.” Dr Liz Jenkinson, chief executive of Biocleave Ltd, said: “We’ve made great progress in establishing the technology to work with Clostridia, a promising host, and although we’re constantly learning, so much is still unknown about the clostridial membrane. Through this KTP partnership with Aston University, we’re excited to develop the skills of our staff and expand our commercial offering to extend our range of RUO protein targets.” Because the Clostridial membrane adds a new level of complexity, successfully developing the required tools internally to resolve these issues, without input from experts, would take considerable time.

Roslyn Bill profile photo
3 min. read
Scholarship opportunities for international students in Canada featured image

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.

10 min. read
How to choose the best Canadian bank account as a newcomer featured image

How to choose the best Canadian bank account as a newcomer

During your first few days as a newcomer in Canada, you will need to complete certain tasks to set the foundation for your long-term financial success. Opening a bank account and applying for a credit card should be a top priority on your list. The Canadian banking industry is large and you’ll have many options to choose from. However, newcomers to Canada have distinct financial needs and not all products will be well-suited to your requirements. Typically, you should start researching banking options in Canada several weeks before your arrival to avoid delays in the bank account opening process. This article will give you an overview of banks and banking products in Canada and some essential tips on choosing the best bank account and credit card for you. Banking options in Canada Most newcomers opt for one of the “Big Five” banks, given their size and presence across the country. By market capitalization, these include 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). These banks have both a physical and a digital presence. For instance, RBC has 1,201 branches and 4,240 ATMs across Canada, as well as easy-to-use online, mobile, and phone banking options. In addition to the traditional banks, Canada also has a few digital-only banks, such as Tangerine, EQ Bank, Motusbank, and Simplii Financial. These banks also offer financial products, but may not have the full range of services that larger banks offer. Types of bank accounts There are two main types of bank accounts in Canada that serve distinct purposes: Chequing account: Your chequing account is an essential basic account. This is where you keep money that you’ll use for daily transactions, making purchases, and all of your recurring expenses. Typically, with your chequing account, you’ll earn a low or no yearly interest rate on deposits. You may also get a debit card to access this account. Savings account: A savings account is a high-interest account to help you save money over the longer term. This account is not intended for regular, everyday spending transactions. It’s ideal for money that you won’t need daily access to and can set aside as savings for an emergency fund or longer-term needs. Things to keep in mind while choosing a banking partner With all the choices available to you, selecting a banking partner that’s right for your financial needs can be confusing. As this is a crucial decision to make, there are many factors you’ll need to keep in mind to ensure your bank meets your needs. Does the bank have specialized accounts or offers for newcomers or international students? Whether you’re coming to Canada as a permanent resident or an international student, your financial needs as a newcomer will be different from those of residents who’ve been here longer and don’t have financial ties abroad. Some of the larger banks, like RBC, have distinct newcomer banking products that are specially designed to meet your requirements. Does the bank have branches or ATMs near you? Also, look at the overall presence of the banking partner to determine whether you’ll have easy access to your money. You can use the branch locator on the bank’s website to find branches or ATMs close to your home or workplace. Do they have a good reputation of service and does their mission align with your interests? Be sure to check if the bank you’re choosing has a good reputation, has advisors who are able and willing to explain financial products to you, and answers your questions. As a newcomer, you want a trusted banking partner who understands your needs, so compare customer reviews and ask your friends in Canada about their experience with their banks. Also, look at awards or recognitions the banks may have received. For instance, the Global Finance magazine ranked RBC as the #1 World’s Best Bank in North America in 2021. Does the bank offer a wide range of financial products? As a newcomer, your financial needs may be limited initially, but will likely expand over the next few years. Make sure that your bank can offer you the entire range of products from banking basics like chequing accounts and credit cards to products you’ll need over a longer term like mortgages, RESPs, auto loans, and insurance. Does the bank have staff members who speak your language? Language barriers and cultural differences should not stand in the way of your financial success in Canada. If your first language is not English or French, be sure to check if the bank you’re considering has financial advisors who can answer your questions and explain financial products in a language you’re comfortable with. How to choose the right bank account for you Not all bank accounts are the same. The requirements, fees, and account features may vary based on the financial institution and the banking product you’ve picked. Here are some things you should compare to find a bank account that meets your needs: Minimum balance requirements: Some bank accounts require you to maintain a minimum daily or monthly balance. If your balance dips below this required level, you may be charged a penalty. RBC Day to Day Banking, RBC Signature No Limit, and RBC VIP Banking accounts don’t have any minimum balance requirements, allowing you to access all your money, whenever you need it. Speak to a financial advisor to find the best bank account for your needs. Banking fees: Most chequing accounts have a monthly banking fee, which can range from $0 to $30.95. In some cases, the monthly fee can be waived if you maintain a minimum balance in the account. Statement fees: Some banks charge a small monthly fee for issuing paper bank statements. In most cases, you can opt for paperless, e-statements for no charges. Cheque or draft fees: Some chequing accounts come with free personalized cheques or bank drafts. In others, a chequebook with 50 leaves can cost as much as $50 and a bank draft can cost up to $10. Automated Teller Machine (ATM) or Interac e-Transfer limits and charges: Some accounts may have limits for how many ATM withdrawals or peer-to-peer Interac e-Transfers you can make in a month. You should also check if there’s a fee for withdrawing money from another bank’s ATM or making Interac e-Transfers to an account in a different bank. International remittance fees: As a newcomer in Canada, you may want to continue financially supporting your family back home. If you’re planning to make international money transfers regularly, be sure to check the international remittance fees for the chequing accounts you’re considering. RBC offers newcomers up to two free international remittances per month for their first year with an eligible RBC bank account. Interest rates: The interest you’ll receive in savings accounts in Canada may be much less than what you’re used to in your home country. However, High Interest Savings Accounts (HISA) usually offer a higher rate of interest to help you grow your savings faster. Offers: Some bank accounts offer incentives at the time of account opening. For instance, you may receive cash incentives, higher interest rates, or free services if you open a new account and meet some qualifying criteria. As a newcomer in Canada, choosing a bank account will likely be a top priority for you. The banking system and financial products may be very different from those in your home country, so take the time to understand each product and select a bank account and credit card that best fits your needs. Remember that you are not tied down to the banking products you choose when you first arrive, so you can always upgrade to a higher tier account or credit card later. 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.

6 min. read
How to move to Canada: A checklist for newcomers featured image

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.

10 min. read
Most in-demand jobs in British Columbia (B.C.) for newcomers featured image

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

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

5 min. read
Most in-demand jobs in Ontario for newcomers featured image

Most in-demand jobs in Ontario for newcomers

Ontario is one of the most popular provinces among newcomers. Its cultural diversity, economic prosperity, and ever-growing job market are just some of the reasons newcomers from across the world choose to settle in Ontario. The government of Ontario periodically invites newcomers with the skills and experience to meet the province’s growing labour requirements to work and settle in Ontario as Permanent Residents (PR) through the Ontario Immigrant Nominee Program. This article provides information on Ontario’s job market. This includes the top industries that contribute to its economy, the most in-demand occupations for newcomers in the region, NOC codes, and median wage estimates, so you can arrive prepared to kick-start your career in Canada. What are the top industries in Ontario? Services industry: The services sector is the largest contributor to the province’s economy and employs nearly 79 per cent of the people living in Ontario. Some of the key service industries include banking and financial services, professional, scientific and technical services, and arts and culture. Manufacturing industry: Ontario’s manufacturing industry is one of the biggest in North America. Some of the most prominent manufacturing industries are automotive, information and communication technologies, biotechnology, pharmaceuticals, and medical devices. Agriculture: Ontario’s farming sector contributes nearly 25 per cent of Canada’s farm revenue. Mining industry: In addition to being one of the world’s top 10 producers of nickel and platinum, Ontario is also rich in gold, silver, copper, zinc, cobalt, and non-metallic minerals. Southern Ontario also has a sizeable oil and gas industry. Forestry industry: The forestry industry in the province creates nearly 200,000 direct and indirect jobs. Which cities have the most job opportunities in Ontario? Toronto and the Greater Toronto Area (GTA): This is the most populous region in the province, and Toronto is the financial hub of Canada. Other large industries in Toronto and the GTA include technology, real estate, trade, and manufacturing. Ottawa: As the capital of Canada, Ottawa offers significant job opportunities in administration. It is also a major centre for the high technology and finance industries. Brantford: This city is a manufacturing hub and offers job opportunities in food and beverage manufacturing, advanced manufacturing, rubber and plastic production, and warehousing and distribution. In addition, Brantford also has a growing media and entertainment sector. Hamilton: Another manufacturing centre, Hamilton has a large job market in the food processing and agribusiness industry, as well as in advanced manufacturing. Waterloo: The Toronto-Waterloo region is often referred to as the ‘Silicon Valley of the North’ and presents significant opportunities in the technology sector. Which jobs are in demand in Ontario? Health care jobs in Ontario Managers in health care (NOC 0311): Managerial positions in health care typically require a degree in management and pay around $48.21 CAD per hour. • Registered nurses and psychiatric nurses (NOC 3012): You’ll need a nursing degree and a provincial nursing licence to qualify. The median hourly pay for registered nurses in Ontario is $36 CAD. • Medical laboratory technologists (NOC 3211): As a lab technologist in Ontario, you can earn a median income of $38 CAD per hour. • Opticians (NOC 3231): Opticians make between $27 CAD and $34 CAD in Ontario. • Licensed practical nurses (NOC 3233): Licensed nurses make a median hourly wage of $27 CAD. • Nurse aides, orderlies, home support workers, and patient service associates (NOC 3413, 4412): For these occupations, the hourly wage ranges between $17.50 CAD and $20 CAD. Service sector jobs in Ontario To qualify for service sector jobs, you’ll usually require at least an undergraduate or graduate degree from a university. Administrative services managers (NOC 0114): Managerial positions in administration typically pay a median salary of $41 CAD per hour. Banking, credit and other investment managers (NOC 0122): Managers in the finance sector earn a median income of $50 CAD per hour. You’ll usually need a degree in management or finance to qualify. Advertising, marketing, and public relations managers (NOC 0124): These roles require a degree in marketing or management and pay a median income of $40 CAD per hour. Business services managers (NOC 0125): These roles pay an average hourly salary of $43 CAD. Corporate sales managers (NOC 0601): Sales manager roles in Ontario can be fairly high paying, with a median hourly wage of $52 CAD per hour. Restaurant and food services managers (0631): Compared to other managerial positions, restaurant and food services managers have the lowest median wage at $19.23 CAD per hour. Construction managers and managers in transportation (NOC 0711, 0731): Employees in these roles earn a median hourly wage between $38 CAD and $40 CAD. Human resources professionals (NOC 1121): HR professionals make an average income of $35 CAD per hour. Professional occupations in business management consulting (NOC 1122): In Ontario, business consultants make a median hourly salary of $41 CAD. Mathematicians, statisticians, and actuaries (NOC 2161): As a mathematician, you can earn an average of $45 CAD per hour. However, you’ll need an advanced degree in mathematics, statistics, or a related subject. Technology sector jobs in Ontario To work as an engineer in Ontario, newcomers require a licence from the province in addition to an engineering degree. Engineering managers, computer and information systems managers (NOC 0211, 0213): Managerial level in-demand jobs in Ontario pay a median hourly wage between $52 CAD and $53 CAD. To qualify, you may require a degree in engineering, management, or both. Computer engineers (NOC 2147): As a computer engineer, you can earn a median income of $44 CAD per hour. Database analysts, software engineers and designers, computer programmers and interactive media developers (NOC 2172, 2173, 2174): These technology sector roles pay between $40 CAD and $46 CAD per hour in Ontario. While many such positions require an engineering degree, some roles may also be open to applicants with a degree in computer science. Web designers and developers (NOC 2175): Web designers in Ontario can earn a median hourly wage of $31 CAD. Manufacturing jobs in Ontario Manufacturing managers (NOC 0911): Managers in manufacturing make a median income of $43 CAD per hour in Ontario. Machine operators in the mining and processing, chemicals, plastics, woodworking, and food and beverage industries (NOC 9411, 9416, 9417, 9418, 9421, 9422, 9437, 9446, 9461): Machine operators and process control workers typically earn a median hourly wage between $15 CAD and $23 CAD, depending on the industry they are in. Assemblers, fabricators, inspectors, and testers in the electronics and mechanical industries (NOC 9523, 9526, 9536, 9537): The median hourly wage for these jobs is between $16 CAD and $22 CAD. Agriculture jobs in Ontario The median hourly wage for in-demand agriculture jobs is between $14.35 CAD and $20 CAD. General farm workers (NOC 8431) Nursery and greenhouse workers (NOC 8432) Harvesting labourers (NOC 8611) Industrial butchers, meat cutters, poultry workers (NOC 9462) What is the minimum wage in Ontario? The general minimum wage in Ontario as of October 1, 2021, is $14.35 CAD per hour. For student workers, the minimum wage is $13.50 per hour. What is the unemployment rate in Ontario? The unemployment rate in Ontario in September 2021 was 7.3 per cent. However, the province’s economy is still recovering from the impact of the COVID-19 pandemic and, with each quarter, the unemployment rate is inching back towards the pre-pandemic level of under six per cent. How can I move to Ontario? In addition to the federal Express Entry program, the province also invites permanent residents through the Ontario Immigrant Nominee Program. If you’re planning to work in Ontario temporarily, you may be able to qualify for a work permit if your skills align with the province’s in-demand occupations. Ontario also boasts of some of the best universities in Canada and, each year, thousands of students come to Canada on study permits, with the aim of receiving a world-class education and settling permanently 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.

6 min. read
How Express Entry to Canada works: Moving as a Permanent Resident (PR) featured image

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

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

6 min. read