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10 resume mistakes to avoid when applying for jobs in Canada

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

Building Trust with Expertise Marketing

With advancements in technology and a number of new channels, it’s important to remember that at the end of the day, people want to deal with people. Studiesconsistently show that we’re more likely to trust other humans when making decisions. While many organizations leverage brand personas to fulfill that human connection, they often overlook the power of their people to lead and support conversations. If your audiences are looking to connect with people, then it only makes sense to give them our best.  Who Is Looking for Expertise? As mentioned in last week’s blog, the ‘About Us’ section of a website is the second most visited area next to the homepage and the reasons for this are simple: people want to see who is behind the scenes. From prospective customers to journalists looking for an expert source, there are a wide range of audiences who want to know who you really are before they engage with your business. Here are just some of the audiences who are taking a close look at your expertise: Customers & Partners: Subject-matter experts are consistently rated as one of the most influential sources of information for buyers (Source: ITSMA), and a whopping 78% of B2B buyers start with a Google search (Source: Demand Gen). Media: Experts who serve as media sources are in high-demand with newspapers, broadcasters and digital outlets – and it’s not just research they want. They often require a plain language explanation of how something works, or insights to help them localize a story for a regional audience. Conference Organizers: Conference organizers and industry associations are constantly looking for experts who can educate their attendees as a panellist, workshop leader or keynote speaker. Alumni & Donors: For institutions, showcasing the relevant work that experts and staff are doing helps alumni better connect to your mission and makes it easier to fundraise and drive larger donations. Government & Foundations: Government bodies and foundations rely heavily on experts to conduct research, develop policy and implement the various programs they fund. They are increasingly focused on reporting the social and economic impact stories of the research they are funding. Better Digital Conversations When we look at audience engagement, your success boils down into three critical stages: Attention, Interaction and Trust. Each of these areas can be addressed by making experts and their content more visible with a sustained, amplified digital presence. Don’t underestimate the value of rich expert profiles; today’s audiences will quickly scroll past a list of names and titles. Expertise marketing is about providing individual credentials and sharing what their collective experience represents for your organization. The richer offering, the more trust you can build. Plus, experts who serve as brand ambassadors are more likely to drive personal, relevant and authentic connections with key audiences. The following framework outlines how you can create an expertise marketing program that empowers your people to better navigate the customer journey: Creating Touchpoints for Expertise Whether it’s a research page on your website or an upcoming speaking engagement, you need to develop touchpoints for key audiences to interact with your experts and their content. This often requires businesses to step back and determine how visible your experts are across your physical and digital environment. As you go through the auditing process, you not only surface gaps in your delivery but in many cases, you’ll also find a wealth of expert content hidden in personal websites, social media and external publications. It surprises many businesses to discover that your experts are already engaging with audiences – just not from within your organization. Make your expertise more coherent by turning a disconnected group of experts into a powerhouse of brand ambassadors. In addition to aggregating their existing content, you’ll need to speak directly with your experts and develop an expertise marketing program that aligns with their professional objectives and incentivizes their continued efforts. This collaborative approach will mutually benefit both your business and your experts while simultaneously generating excitement and buy-in throughout the whole organization. Download The Complete Guide to Expertise Marketing For a comprehensive look at how expertise marketing benefits the entire organization and drives measurable return on investment, follow the link below to download a copy of ExpertFile’s Complete Guide to Expertise Marketing: The Next Wave in Digital Strategy

Citizens UK seeks to work with member organisations to build a citizens’ agenda around local economic and industrial policy

The Nesta study looked at innovation as applied to industrial policy and focussed on migrant micro-enterprises in Birmingham Experts found while there is some face-to-face business support in Birmingham, the majority of it is provided online and in English The Community Organising for Inclusive Industrial Policy study was conducted by Citizens UK Birmingham and the Centre for Research in Ethnic Minority Entrepreneurship (CREME) at Aston Business School. A new report by Aston University and Citizens UK Birmingham has found the UK Government must do more to include micro-enterprises with business support. The Community Organising for Inclusive Industrial Policy study, which was conducted by Citizens UK Birmingham and the Centre for Research in Ethnic Minority Entrepreneurship (CREME) at Aston Business School for Nesta, concluded micro-enterprises in principle can take advantage of business support that is available in Birmingham, but in practice there are several limitations. Experts found while there is some face-to-face business support in Birmingham, the majority of it is provided online with most of the various government and other websites which provide extensive business support information largely in English, and not directly accessible to those who have inadequate English language skills or lack a good level of digital skills. In Birmingham, the business leaders group successfully bid for a local authority contract to create public health videos in community languages, featuring community members in familiar locations as a way of making the content more relatable to the target audience. Professor Monder Ram, director of Centre for Research in Ethnic Minority Entrepreneurship (CREME) at Aston Business School, said: “It is wonderful to see CREME and Citizen UK’s highly impactful initiative on migrant business support receive this recognition from NESTA as an exemplar of ‘grassroots’ social innovation. “Our collaboration demonstrates the value of communities working together to support businesses and tackle common challenges.” You can read the full report HERE.

Aston University linguist awarded prestigious research fellowship

Dr Emmanuelle Labeau is one of three academics to have been appointed Research Fellows by the Arts and Humanities Research Council (AHRC) for the Future of Language Research They will carry out a horizon-scanning exercise which will inform the future of AHRC investment in language research The research team will also engage with language stakeholders from across the UK to inform their work. An Aston University linguist has been appointed to a key language leadership role by the Arts and Humanities Research Council (AHRC). Dr Emmanuelle Labeau, reader in French language and linguistics and director of the Aston Centre for Applied Linguistics (ACAL) at Aston University, has taken up the new post informing the future direction of research funding for languages. Dr Labeau will work to identify existing, new and emerging research themes in language research, as well as relevant policy areas that future language research could address, taking into account the needs and expectations of both academic and non-academic communities, wider stakeholders and government departments. She will work with Professor Nicola McLelland, University of Nottingham and Professor Michelle McLeod, University of Aberdeen, wias part of a research team which brings together a wealth of experience in language research. They will engage with language stakeholders from across the UK to inform their work and help the AHRC decide which areas of language research to support, as well as identifying potential threats, risks, emerging issues and opportunities. In addition, Emmanuelle will be carrying out a survey of the presence of languages in Birmingham. Her project, Birmingham Research for Upholding Multilingualism (BRUM), will focus on languages in education, business, public services and cultures. Dr Labeau said: “I am thrilled to be trusted with such a strategic task for the future of my discipline, while serving the region. I will be bringing to the team my experience of contemporary and relevant language research and teaching that widen participation and serve the needs of the community. I have started contacting stakeholders in Birmingham and I am keen to hear from all of Aston University’s beneficiaries.”

Scholarship opportunities for international students in Canada

Pursuing a university or college education in Canada can open many career doors, but unfortunately tuition usually doesn’t come cheap. Tuition fees alone can cost tens of thousands of dollars per year, depending on your school and program of choice. In addition, international students in Canada spend anywhere between $27,000 CAD and $64,000 CAD per year on living expenses. Luckily, there are many fully-funded scholarships available to help international students manage the costs of a post-secondary education in Canada. To get you started, we’ve compiled a list of some of the top scholarships for newcomers that can help you achieve your academic goals in 2022 and beyond. It’s important to note that the application process and deadlines for the various scholarship options vary. For scholarships that are offered by universities or colleges, you’ll usually only be able to apply after you’ve been accepted into a study program. In some cases, you may be automatically considered for scholarships based on your academic or extracurricular achievements, without having to submit a separate application. For graduate-level scholarships awarded by schools, you may also need to be recommended or selected by your department. Be sure to keep track of the scholarships you’re planning to apply for, so you don’t miss out on application deadlines. Undergraduate scholarships for international students Lester B. Pearson International Scholarships This scholarship program at the University of Toronto assists international students who’ve demonstrated significant academic potential, creativity, and leadership. Around 37 international students receive this scholarship each year. Eligibility: You must be an international student (a non-Canadian who requires a study permit), currently in your final year of secondary school or have graduated no earlier than June 2021, and begin your studies at the University of Toronto in September 2022. What it covers: Tuition, books, incidental fees, and full residence support for four years. Deadline to apply: January 17, 2022 Other criteria: To become a Lester B. Pearson Scholar, you must be nominated by your school and apply to undergraduate studies at the University of Toronto. For more information on the application process, visit the Lester B. Pearson International Scholarships webpage. University of British Columbia International Scholars Program These scholarships are distributed based on both merit and need. UBC offers fifty scholarships each academic year, spread across four categories: the Karen McKellin International Leader of Tomorrow Award, the Donald A. Wehrung International Student Award, the International Impact Award, and the Vantage One Excellence Award. Eligibility: You must be an international student on a Canadian study permit entering UBC from a recognized secondary school or transferring from your first year at another college or university. You must have graduated from high school no earlier than June 2021 and be applying for your first undergraduate degree. In addition, you must demonstrate a level of financial need that would otherwise prevent you from pursuing a degree at UBC. What it covers: Awards are based on need, with the university dedicating approximately $10 million CAD a year to the fifty recipients in the program. Recipients also gain access to unique learning opportunities, annual retreats, dedicated advisors, and more. Deadline to apply: December 1, 2021 Other criteria: You only submit one application and don’t choose which award you’d like to receive. Rather, UBC will automatically consider you for all awards you’re eligible for. For more information on the application process, visit the UBC’s International Scholars Program webpage. Carleton Entrance Awards for International Students This program awards international students entering their first year of study at Carleton University with a record of high academic achievement. Eligibility: You must be admitted to Carleton with an average of 80 per cent or higher in high school, as well as meet the university’s language requirements. What it covers: Award amounts vary based on your grade average, but begin at a total of $4,000 CAD ($1,000 x four years) and go up to $16,000 CAD ($4,000 x four years) for the 2022 academic year. Deadline to apply: No separate application required. If you’ve been admitted to Carleton, you’ll automatically be considered for a scholarship. Other criteria: Scholarship value is calculated on your grade average at time of admission and won’t be recalculated based on your final marks. For more information, visit the Carleton’s Entrance Awards for International Students webpage. University of Calgary International Entrance Scholarship This program awards international students beginning their studies at the University of Calgary who have a track record of stellar accomplishments inside and outside the classroom. Currently, this scholarship is awarded two students each year, based on merit. Eligibility: You must be an international student registered full-time in an undergraduate degree program at the University of Calgary that commences in the Fall 2022 term. You must be a new student and present a minimum GPA of 3.20. You also must meet the university’s English Language Proficiency requirement. What it covers: The scholarship is $15,000 CAD, renewable annually in the second, third and fourth years at the University of Calgary, provided you achieve a GPA of 2.60 or more over a minimum of 24.00 units in the previous fall and winter terms. The total award amount is $60,000 CAD. Deadline to apply: December 1, 2021. You can apply for scholarships directly through the UCalgary portal. For more information, visit the University of Calgary’s International Entrance Scholarship webpage. Humber International Entrance Scholarships This program helps new international students enrolled in Graduate Certificate, Diploma, and Advanced Diploma programs at Humber College achieve their academic goals. This scholarship is awarded to ten undergraduate and ten graduate students each year. Eligibility: You must be enrolling at Humber College directly from a recognized secondary school, be a non-transfer student, and have a minimum final admission average of 85 per cent. In addition, you’ll need a 6.5+ score in IELTS (or equivalent) to qualify. What it covers: $2,000 CAD, over the first two semesters of your study Deadline to apply: September intake: the last day of May prior to Fall semester. January intake: the last day of September prior to Winter semester. May intake: the last day of January prior to Spring/Summer semester Other criteria: Even if you receive this scholarship, you’ll still have to pay the full tuition amount up front. The scholarship amount will be credited to your account after the tenth day of classes. In order to be eligible, you’ll need to provide the following: Your Humber Student ID number Confirmed Letter of Acceptance from Humber College for full-time program commencing in the appropriate Semester Personal statement of interest, including your Grade Point Average 2 reference letters Humber College also offers Bachelor’s Degree scholarships to all meritorious international students coming directly from high school with a grade of 75 per cent and above. If you qualify, you’ll automatically be awarded the scholarship without filing a separate application. For more information, visit the Humber International Entrance Scholarships webpage. Graduate scholarships for international students University of Manitoba Graduate Fellowship This program awards more than $2 million each year to full-time masters and PhD students at the University of Manitoba who have a history of academic excellence. Eligibility: All students accepted into these programs without provisions are welcome to apply, regardless of citizenship, given they have a minimum GPA of 3.0 at the time of admission. What it covers: UMGF master’s awards are valued at $14,000 CAD per year for 12 or 24 months, for up to a total of $28,000 CAD. UMGF doctoral awards are valued at $18,000 CAD per year for 12, 24, 36, or 48 months, for up to a total of $72,000 CAD. Deadline to apply: Students must be recommended by their department or unit to the Faculty of Graduate Studies for a UMGF. Consult your department for information on the application process and deadline. For more information, visit the University of Manitoba Graduate Fellowships webpage. Waterloo International Master’s Award of Excellence This scholarship recognizes international students who wish to undertake research-based Masters degree programs at the University of Waterloo. Eligibility: Applicants must be international students with a valid Canadian study permit who are registered full time. The scholarship is awarded to Masters degree students in research-based programs, and only students entering the first term of their program are eligible. Additional academic criteria will be decided upon by the faculty and you must not have any outstanding academic or probation issues. What it covers: The scholarship award is valued at $2,500 CAD per term for a maximum of five terms. Deadline to apply: You’ll be automatically considered for this scholarship with the submission of your regular application. The application deadline for most Masters programs commencing September 2022 fall within January to February 2022. For more information, visit the Waterloo International Master’s Award of Excellence webpage. Pierre Elliott Trudeau Leadership Scholarships This three-year scholarship program provides funding and other opportunities to twelve full-time doctoral students, and is not tied to one specific learning institution. Eligibility: Non-Canadians can be either permanent residents or foreign nationals enrolled in a doctoral program at a recognized Canadian institution. Field of study should be related to the humanities or human sciences with direct relevance to Canada’s future. You must already be accepted into years one or two of a doctoral program and expected to complete your studies by 2025. What it covers: Up to $40,000 CAD per year for three years to cover tuition and reasonable living expenses to focus on their doctoral studies and the Foundation’s leadership program. Additionally, up to $20,000 CAD per year for three years, for the learning of languages, for travel and accommodations for the Foundation’s leadership program, and for research, networking, and travel related to their doctoral research. There will also be access to opportunities to acquire greater proficiency in Canada’s official languages (French and English) as well as Indigenous languages. Deadline to apply: December 21, 2021 at 5 p.m. EST Other criteria: The selection process is a rigorous one involving multiple rounds of interviews. If successful, you’ll be expected to participate in and organize activities related to the Foundation outside your normal course of study. For more information, visit the Trudeau Leadership Scholarships webpage. Ontario Graduate Scholarship (OGS) This scholarship recognizes students enrolled in graduate studies at 19 publicly-funded Ontario universities, including the University of Toronto, University of Guelph, McMaster University, University of Ottawa, Queen’s University, Ryerson University, University of Waterloo, Western University, and York University. Each award is jointly funded by the Province of Ontario (two thirds) and the school offering the award (one third). Eligibility: International students who are studying or plan to study a full-time graduate program (master’s or doctoral level) at one of the 19 participating universities in Ontario under a valid temporary resident visa (student study permit) are eligible for OGS awards (valid study permits must be effective as of the graduate units’ OGS international application deadline). Currently registered international graduate students who have not yet been able to obtain a study permit due to COVID-19 circumstances are also temporarily eligible to apply. Applications are assessed on merit and must meet the criteria set by the participating schools. What it covers: The value of the OGS is $5,000 CAD per term. Thus, awardees may receive $10,000 CAD for two consecutive terms or $15,000 CAD for three consecutive terms. Deadline to apply: Date will be set by your graduate department or unit, who will then forward selected applications to OGS for final consideration. Other criteria: Applicants must submit an OGS application to their proposed graduate unit using their school’s centralized OGS application portal. If you’re applying to multiple participating schools, you’ll need to submit a different OGS application for each school. For more information, visit the Ontario Graduate Scholarships webpage. Where to find more information about scholarships for international students in Canada This list of scholarships is by no means comprehensive, so make sure to do your own research and see what else is out there! Start by checking if your academic institution offers any international student scholarships that you qualify for. You may also be eligible for program-specific or independent scholarships to fulfill your dream of studying in Canada. Educanada, studentawards.ca and scholarshipscanada.com are great resources to help you get started. Other ways to fund your university or college education in Canada While scholarships are a helpful tool, they’re far from the only way to fund a post-secondary education in Canada. Even if you do receive a scholarship, it may have to be supplemented with other sources. As an international student, you may be able to rely on student loans or lines of credit to fund your education in Canada. You may also qualify for student grants or bursaries that are offered by universities, colleges, and other organizations. Alternatively, many international students choose to work while studying to cover their living expenses in Canada. As an international student, studying in Canada can be expensive. However, the Canadian government and universities offer many scholarships to help international students achieve their academic goals. This resource will provide you with a starting point to research scholarship options to fund your education in Canada. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now.

How to 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.

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.

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

10 tips for choosing the right Canadian study program as an international student

To start your journey as an international student in Canada, you’ll need to find a study program that fits your needs and academic goals. Each year, hundreds of thousands of international students get admission into a variety of study programs in Canadian universities and colleges. If you’re planning to move to Canada for your undergraduate or graduate studies, you’ll have many options to choose from, based on your areas of interest, career objectives, and budget. Choosing the right study program can introduce you to new areas of learning, uncover additional professional pathways, and set you up for a successful career. Here are some tips for choosing the right Canadian study program as an international student. 1. Choosing between university and college As an international student, the difference between university and college may be unclear to you. In many countries, the two terms are used interchangeably, but in Canada, they have different meanings. Both colleges and universities offer post-secondary education programs which students can enrol in after completing high school, but they differ in many ways. Canadian universities Canadian universities offer undergraduate (or bachelor) and graduate (or master’s or doctoral) programs in academic or professional fields. Once you have completed the program, you’ll be awarded a degree. Undergraduate programs typically require three years of study with a fourth “honours” year, if you want admission into a graduate program. Some undergraduate university programs, like Engineering, may require four years to complete. If you’re looking for admission into specialized professional programs such as Medicine, Law, and Dentistry, you may first need to complete two to four years of undergraduate study with relevant courses to qualify. Graduate (Master’s) programs are only offered by universities and you’ll require an undergraduate degree, and in some cases, prior work experience, to be eligible. In addition, many universities also offer doctoral or PhD programs across various fields. Colleges in Canada Canadian colleges offer programs of study that focus on job market readiness, such as technology, trades, or technical training. Typically, college courses lead to a diploma or certification, although some colleges also offer degree programs in applied areas of study. International students also find college programs useful for skill upgrading, continuing education, and language training. Many newcomers who come to Canada with an undergraduate or graduate degree from their home country find it valuable to add a Canadian certification or diploma to their resume to increase their employability in the Canadian job market. A diploma from a Canadian college may also be useful if you’re planning to switch career paths and move to a new industry or job function. Unlike universities, college programs are usually one or two years long. There’s a common misconception that colleges are less serious, but in reality, college programs can be as intensive as university courses, given that they are shorter and more technical in nature. Which is better for you – university or college? Whether you choose a university or college will depend on your career goals and your current educational credentials, the study programs offered, and what you want to achieve from your education. Here are some things to keep in mind while comparing your options: Academic versus technical training: Universities have a more academic approach, with a focus on research, lectures, and assignments. On the other hand, college programs are less theoretical and focus more on applied knowledge and work-related training. Program length and cost: University programs are typically longer and more expensive than colleges. Program flexibility: Many college courses offer the option of part-time study, while university programs are more likely to be rigorous and immersive. However, you may have fewer course options or elective subjects to choose from in a college. 2.  Understand your interests and career goals Before choosing a study program, spend some time thinking about your areas of interest and long-term career goals. This will help you narrow down your options to programs that align with your interest. If you already have a target career in mind, you may also want to go through some job postings in that field to see what education requirements employers are looking for. If you’re unsure, don’t worry. You may still have room to change your mind later. If you’re applying to an undergraduate program or Bachelor’s in Canada, you generally don’t need to commit to a specialization at the time of admission. Instead, you have the freedom to pick a general subject and then opt for specific courses or electives that interest you as you progress in your studies. Universities may offer more flexibility compared to colleges, and you’ll have a wider range of subjects to choose from. 3. Identify top institutions in your field of interest Once you’ve identified the potential programs you might be interested in, the next step is to make a list of top institutions that offer those study programs in Canada. Canada has many prestigious universities and colleges and no matter what subjects you’re interested in, you’ll find some leading institutions that offer it. As an international student, it’s important that you don’t discount colleges while looking for options to study in Canada. College programs can help prepare you for the Canadian work environment faster, especially if you’re interested in technical or applied programs. 4. Review the eligibility criteria for study programs you’re interested in Like in many other countries, you’ll need to meet certain qualifying criteria to be eligible for admission to Canadian study programs. Depending on your chosen field of study or institution, you may require a certain score or GPA (grade point average) in your past academic record, proof that you’ve completed specific courses or credits, proof of language proficiency, or prior work experience. You may also need to sit for a qualifying exam and secure a minimum score to be eligible for some courses. For some competitive programs, you may also require a proven track record of extracurricular activities or volunteer work, a letter of intent or statement of purpose, and professional or academic references to support your application. Once you have a list of study programs you’re interested in, be sure to check the eligibility criteria for international students for the programs at the top universities on your list. This will help you shortlist programs where you’re more likely to qualify for admission. 5. Identify the province or city you want to live in While the quality of education may be your primary deciding factor, you may also want to shortlist programs or institutions based on the province or city they are in. While many international students choose to move to popular provinces like Ontario and British Columbia for their education, you may find the cost of living (and even program costs) to be lower in other provinces. Each province in Canada has something unique to offer, in terms of culture, quality of life, ease of immigration, or future job opportunities. Be sure to learn about the various provinces and territories in Canada and make a decision based on where you’d like to spend your academic years. 6. Make sure the institutions you’ve shortlisted are DLIs A Designated Learning Institution (DLI) is an educational institute that’s approved by the provincial or territorial government to accept international students. You will only be eligible for a study permit for Canada if you receive an acceptance letter from an authorized DLI. Before you apply, be sure to check that the post-secondary schools you’ve shortlisted are on the government’s designated learning institutions list. If you’re planning to start your study program in Canada during COVID-19, you’ll also need to make sure that your DLI has a COVID-19 Readiness Plan in place. 7. Evaluate admission and program costs The cost of studying in Canada as an international student can be high, even though the education cost is generally less expensive compared to countries like the United States or the United Kingdom. The tuition costs vary by program and institution, with the average cost of undergraduate programs being higher than that for graduate programs. If you’re assessing how much it’ll cost to study in Canada, be sure to factor in fees for university/college applications, study permit application, biometrics and medical tests, tuition fee, and living costs, including the funds you’ll need to put in a Guaranteed Investment Certificate (GIC) as part of your application. A full or partial scholarship can offset not only your tuition fee but also your cost of living in Canada during your study period. Be sure to check if your academic institution offers scholarship options for international students. If not, explore other ways in which you can fund your education, such as through student loans, lines of credit, education grants, bursaries, or by working part-time while studying. If you’re planning to apply for a student loan or line of credit, be sure to check your eligibility and the amount you may qualify for before applying for admission to the study program of your choice. 8. Understand future career opportunities after your study program The study program you choose should set the foundation for your future professional success. This means that not only should the program align with your career goals, it should also provide you with the support you’ll need to enter the Canadian job market in terms of skills, professional networking opportunities, workplace readiness, and career support or coaching. Do your research about whether the study program offers co-op or internship opportunities, and whether that work experience is considered to be Canadian experience by recruiters. To further narrow down the list of study programs that meet your requirements, you can check if the universities or colleges you’re targeting offer career resources for resume building, interview preparation, or placement support. At this stage, it’s also a good idea to research the alumni of each program to look at the job roles they are in and their career paths. This will give you a better idea of the types of career opportunities that’ll be available to you after you graduate and the companies that recruit students from different institutions. 9. Explore extra-curricular programs offered by the institution In addition to academic courses, many universities and colleges in Canada also offer extra-curricular programs that can help in your overall development. If you’re interested in sports and athletics, check if the institution has sports clubs or teams. You may also be able to find student clubs around other areas of interest, such as volunteer work, theatre, or politics, or student societies based on culture or religion. Joining student groups is a great way of making friends in your new country, building your professional network, and learning new skills. Some Canadian universities and colleges also offer English as a Second Language (ESL) programs for international students to help them improve their language skills. 10. Check if the program fits your lifestyle Not all Canadian study programs are structured in the same manner. As an international student, it's important to check if the program you’re applying to fits your overall lifestyle. For instance, if you plan to work while studying in order to support yourself financially, you may want to look for a program that has a flexible class schedule or a program that will qualify you for a student work permit. If your objective is to prepare yourself for the Canadian job market, you may be more interested in technical programs or programs that have internship or co-op terms, so you can get some valuable work experience while studying. Some international students also move to Canada with their families, and balancing their studies and family obligations becomes an important priority. In such cases, a hybrid model of course delivery that offers a mix of in-person and online classes might be more suitable than a completely on-campus program. The length of the study program can also be an important factor for many international students, both from a cost and ease of immigration perspective. Studying in Canada is a great way to prepare yourself for the global workforce. Canadian universities and colleges offer a wide range of study programs for international students to choose from. While choosing a program, you should make sure that it meets your needs based on your lifestyle, financial considerations, and your academic and career goals. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all. Working with RBC, Arrive can help you get your financial life in Canada started – right now.

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

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