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

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

Wordle: How to Play (and Win) Like a Linguist

Wordle. If you haven’t heard of it, maybe you're on vacation, on a remote island, with no WiFi. If you have, maybe you've seen friends post their results to Twitter or Facebook and wondered what it was about. Maybe you heard about the game from reading the news. Either way, you're probably in deep. But for those of us who are unfamiliar, what is the game and how does it work? Why is it just so popular? And most importantly, how do you win? To answer these questions and more, we spoke with Villanova University professor and linguist Grant Berry, PhD. "I think word games have to some degree always been popular (think of Scrabble or the New York Times crossword, for example), and a big reason for that is that every human being has a lifetime of experience with language—it's familiar ground for all of us who speak a given language," Dr. Berry says. The appeal of the game, then, makes a lot of sense. It's not a new phenomenon. Rather, it's a reimagining of an established pastime. And Wordle is delightfully simple; each player is tasked with guessing a five-letter word in six tries. The tiles turn gray to show when letters are not in the word, yellow when letters are in the word but in the wrong position and green when letters are in the word and in the correct position. "To start, you need to find a five-letter word that maximizes the likelihood that you'll find at least one of the letters in the target word," Dr. Berry says. "I parsed a word list from powerlanguage’s GitHub page (the person who created Wordle), and the five most frequent letters in that list are A (7,646), E (7,563), S (6,612), O (5,007) and R (4,937). There is one word in English that contains all of these: SOARE (a young hawk). This word is not very common, and it's very unlikely to be the correct word, but it should give you a few pieces of the puzzle. Odds are the target word is fairly common, so it's unlikely to have the least common letters: W, V, Z, X, J or Q." Okay, so you should now have one or two correct letters. If not, Dr. Berry recommends "guessing a word (with the other two vowels) that doesn't contain any letters we've tried yet." (Some options are CUMIN, UNTIL, TULIP and INPUT.) After this, start thinking about common sequences of letters in English using the letters you've uncovered. "The ten most common consonant clusters in the dataset were ST, CH, TS, SH, TH, NG, NT, NS, LL and LY. Alternatively, you could appeal to the tendency in English syllable structure to favor what's called sonority sequencing." For those non-linguists out there, sonority sequencing means, "you're more likely to see harder, obstruent sounds like P, T, C, D, B and G followed by more resonant or continuant sounds like R, L, N, H or S at the beginning of syllables (i.e., before a vowel) and the opposite order at the end of syllables (i.e., after a vowel). For example, DRINK follows this principle." And a helpful tip? "If you have an S in the word and not much other information besides vowels, your best bet is to put it at the beginning of the word or at the very end," Dr. Berry says. "The S sound is the only one in English that can form consonant clusters with more than two distinct sounds (e.g., STRAP); it's also commonly found at the end of words in plurals." Congratulations, you're on a roll! "From this point, move forward without forgetting what you've learned so far, meaning that if a letter is gray from a previous guess, do not use it in another guess. Similarly, if a letter was in yellow in a previous guess, use it in a different position. If the new position is wrong, choose a third position that's different from the previous two. This way you aren't throwing away the useful positional information from your previous failed guesses." And there you go. With some expert tips and a bit of calculated guessing, you've uncovered the word of the day! Now that we know what Wordle is and how to win, we talked with Dr. Berry about the puzzle's virality. "The short duration of the game and its simplicity make it easily shareable, and the fact that there's only one word per day makes it easy for a large group of people to have common ground and a central topic of discussion. Those two things combined are the recipe for a viral phenomenon." Ever finish someone's sentence? Wordle taps into that experience and in a sense replicates it. "There’s strong evidence to suggest that human beings are capable of tracking distributions of words and sounds, using them to help predict what's coming next when reading or listening," Dr. Berry says. "In a sense, then, this game is asking players to do what they've always done: use what you know about the structure of words in English alongside feedback you get to come up with the appropriate target." How many tries did it take you to uncover the word of the day? With Dr. Berry’s help, you probably have a score worth bragging about.

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

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

‘Boilerplate language’ is preventing non-professional investors from making sound decisions, new research finds

Aston University’s Dr Ozlem Arikan looked at the impact of the style of corporate information on investor decisions Companies arguably avoid being specific by using ‘boilerplate language’ to avoid negative reactions of the investors Dr Arikan’s research suggests that boilerplate information is not useful for investment decisions and investors lose trust in managers who use boilerplate language New research from Aston University has found boilerplate language used by managers is preventing their non-professional investors from making sound decisions. Dr Ozlem Arikan examined the impact of the style of corporate information on non-professional investor decisions. The term ‘boilerplate’ refers to standardised text, copy, documents, methods or procedures that may be used over again without making major changes to the original. In the context of risk disclosures as studied by Dr Arikan, boilerplate description of risks entails a generic list of risks that are common to all industry, rather than including details relating to risks specific to that entity. Regulators are concerned about generic disclosures which they label as boilerplate; they warn that disclosures which do not have enough details do not help investors to make sound decisions. An example of a boilerplate can be found in Google’s risk disclosure which cites social media companies as its main competitors without specifying Facebook, an obvious competitor to Google in terms of generating online advertising revenues. Dr Arikan found that although some investors are less likely to invest in a company when its disclosure is specific, this only happens when they had some knowledge about the issue disclosed. However, when the disclosed risk materialises, investors rate boilerplate managers as less credible than specific managers and are less likely to invest in these companies. Dr Ozlem Arikan, senior lecturer in accounting at Aston Business School, said: “My research suggests the Financial Reporting Council has been right all along about ‘boilerplate language’ preventing non-professional investors from making sound decisions, and it is not good for companies either. “When companies are evasive about their risks, they neither help themselves nor their investors. “Companies arguably avoid being specific to avoid negative reactions of the investors. For example, Google presumably avoids mentioning Facebook as it does not want to make Facebook’s threat to its business too explicit. However, my research suggests that companies do not necessarily avoid negative reactions by being boilerplate. “Regulators may wish to guide companies in how to make more specific disclosures, which are more useful to investors in their decision-making than their boilerplate counterparts. “Importantly boilerplate language does not give enough warnings to investors as those who read a boilerplate risk warning are more surprised when the risk materialises and they correct their previous decisions to a greater extent than investors who read the specific information” You can read the full paper, The effect of boilerplate language on nonprofessional investors’ judgments, HERE. You can find out more about Dr Arikan’s previous research HERE.

The use of swear words declines by more than a quarter in the UK since the 1990s – new research

Aston University’s Dr Robbie Love compared the use of 16 of the most common swear words between 1994 and 2014 He found the amount of swearing has fallen by 27.6 per cent during the 13-year period The study also found that the f-word has overtaken 'bloody' as UK's most popular curse word Researchers from Aston University have found that the use of swear words in Britain has declined by more than a quarter since the 1990s. Dr Robbie Love, based in the College of Business and Social Sciences, looked at how swearing changed in casual British English conversation between 1994 and 2014. As part of the study, which is published in Text & Talk: An Interdisciplinary Journal of Language, Discourse & Communication Studies, Dr Love used two large bodies of transcriptions to analyse the use of language, including: The Spoken British National Corpus gathered in 1994 and the same corpus from 2014. Both texts include over 15 million words, although it was found that swear words accounted for less than one per cent. In total, the amount of swearing was found to have fallen by 27.6 per cent, from 1,822 words per million in 1994 to 1,320 words per million in 2014.The research findings also suggest that the f-word has overtaken 'bloody' as the most popular curse word in the UK. In the study, Dr Love compared the use of 16 of the nation's most common swear words, including p***, c*** and s**g, from the 1990s to the 2010s. He also found that trends in the type of swear words used have changed over the last few decades , with 'bloody' being the most common curse word in the 1990s and the f-word taking precedent in the 2010s. The analysis suggests that this is largely down to a big decline in the use of 'bloody',while the f-word has remained relatively steady over the years. It was also found to be the second most commonly used swear word in 1994, followed by s**t, p***, b****r and c**p. Other key findings of the study included: Over a twenty year period b****r had fallen from the fifth most common curse to the ninth, while b*****d dropped from seventh to 10th. The big climbers include s**t, from third to second, a**e, from eighth to sixth and d***, from tenth to seventh. T**t also rose from the 16th most common swear word in the 1990s to 13th by the 2010s. Dr Love then analysed demographics and discovered that, although swearing is more common in men than women, the difference between the genders has decreased notably from 2.33 times more frequent in men in 1994 to 1.68 times in 2014. Another change concerned how much people swear as they age. In both data sets, swearing is most common among people in their 20s, and then declines with age. However, the decline was less steep in the 2010s, suggesting that people continue swearing later in life more than they did in the 1990s. Dr Robbie Love, lecturer in English at Aston University, said: “This research reinforces the view that swearing plays a part in our conversational repertoire, performs useful functions in everyday life and is an everyday part of conversation for many people. “Despite this, it is relatively under-researched precisely because it is considered to be taboo. “Swearing performs many social functions including conveying abuse and humour, expressing emotion, creating social bonds, and constructing identity. “The strong social conditioning around swear words makes them more psychologically arousing and more memorable than other words, and something different happens in the brain when saying them compared to euphemistic equivalents, such as saying "f***" compared to ‘the f-word’.” You can read the full study, Text & Talk: An Interdisciplinary Journal of Language, Discourse & Communication Studies, HERE If you want to explore how the written and spoken word works in society, Aston University's innovative English language and literature degrees are for you. We emphasise practical applications, linking your studies to the real world through professionally relevant modules in areas such as Language and Literature in Education, The Language of the Law, Psychology of Language and Communication or Language at Work.

How to find a job in Canada and position yourself as an ideal candidate

Whether you’ve just received your Confirmation of Permanent Residence (CoPR) or have recently moved to Canada, finding employment and getting back in your field of work is always top of mind for many. As you begin your job search in Canada, there are a few things that are must-haves: A Social Insurance Number (SIN) – A nine-digit number that you need to work in Canada or to have access to government programs and benefits. Credential assessment for occupations such as teachers, accountants, medical professionals, engineers, social workers, etc. Credential assessment is a process through which you can get certified, registered, or licensed to practice your occupation in Canada. A Canadian-style resume and cover letter. Remember to customize your resume for each job application. Tip: To learn about the scope of your role in Canada and get deeper insights into specific job markets such as Information Technology (IT), Finance, Sales and Marketing, Project Management, Healthcare, Human Resources (HR), and others, download Arrive’s free guide for the Canadian job market. Once you’re equipped with these basic tools and resources, you’re ready to start looking for relevant opportunities. Here are a few ways you can get started with your job search in Canada. 8 ways to find a job in Canada 1. Browse job search websites Most job seekers use job search websites as the starting point while looking for opportunities. In Canada, many locally-popular sites provide more than just job listings. You can get access to employment trends, salary trends, career-planning tools, and industry information. The Canadian government’s Job Bank website is one such exhaustive resource. It is a job-listing aggregator so it pulls listings from multiple job sites which makes it convenient to browse opportunities. You can also check the provincial and territorial websites for more newcomer employment resources. What are the best job sites in Canada? Some popular job search websites are: LinkedIn Jobs, Indeed, Monster, Glassdoor, Workopolis, CareerBuilder, and SimplyHired. If you’re looking for freelancing opportunities or remote work, sites like UpWork, Fiverr, Jobboom, Jobillico, and Jobspresso are good options. 2. Network and volunteer One of the things to know as a job seeker is that Canada has a hidden job market. The hidden job market refers to positions that are filled without the employer advertising for it publicly. It is said that as much as 65-85 per cent of the jobs are not posted online. This is why networking is crucial to finding relevant opportunities – and LinkedIn is an excellent tool to get you started. You can use websites like Eventbrite and Meetup to locate industry-specific networking events near you. These events are excellent forums to find people from your field of work and strengthen your professional network. Giving back to the community (or volunteering) is usually well-regarded and valued in Canadian society. It can help you gain Canadian experience and learn the local culture and serves as a good way to meet other people and build your network. Tip: Volunteering can help you build your network and earn Canadian experience. To discover the importance of volunteering in Canada and learn how to find volunteering opportunities, read The benefits of volunteering as a newcomer in Canada. 3. Enrol with immigrant-serving organizations In Canada, there are various government-funded organizations such as ACCES Employment and COSTI that help newcomers find employment. Some are province and city-specific, so you can look up the government website to find one closest to you. These organizations help newcomers with a wide range of online and in-person career services such as resume building, interview preparation, language assessment, and finding a job. 4. Attend job fairs Many immigrant-serving organizations also organize job fairs. Some of these fairs are virtual and span a couple of days, while others are in-person events. Prepare for Canada, and JVS Toronto are organizations that do online job fairs periodically. One of the benefits of enrolling with a government-funded settlement organization is getting alerts for these job fairs. Following the social media channels for these organizations and browsing sites like Eventbrite and Meetup are also good ways to find upcoming job fairs. 5. Reach out to employment agencies and recruiters There are many employment agencies and specialized recruiters that can help you find a job in your field in Canada. These agencies and recruiters match jobseekers to employer positions. You can search for recruiters from your industry on sites like LinkedIn. Recruitment agencies in Canada may be nationally and/or internationally licensed. Those with a national license are only authorized to assist job seekers within Canada, while those with an international license can recruit overseas employees wanting to work in Canada. Who are the top recruitment agencies in Canada? Some popular employment agencies in Canada are Robert Half, Randstad Canada, and Hays Canada. Employment/recruitment/placement/staffing agencies cannot demand a fee from a jobseeker to help them find work. However, they can charge for additional services such as resume preparation, interview preparation, and job skills training. Tip: Beware of any employment agencies or recruiters asking you to pay a fee in exchange for a job offer, especially if you haven’t moved to Canada yet. Learn more about employment scams in Canada in the article, Common scams that newcomers to Canada should know about. 6. Browse career sections on company websites A good way to go about your job search is to make a list of organizations you would like to work at and then check the career sections on their respective websites. Most websites will let you send a job application for open positions directly through their site. Reach out to current or past employees through LinkedIn for a coffee chat to better understand the organizational structure and learn more about your desired role – this will also help you prepare for your interview. These conversations are also a great way to know about future job openings at the organization. Tip: Check out the list of top 100 employers in Canada and find organizations from your industry. 7. Enrol in bridging programs Bridging programs are designed for internationally-trained professionals and tradespeople who want to work in their field in Canada. They can help you get a licence or certification and integrate into the Canadian workplace. Some of the bridging programs’ services include courses, education and skills assessment, practical or workplace experience, exam preparation for licenses or certificates, language training, and action and learning plans to help you identify the training you may need. These programs may be virtual, or in-person or a combination of both. Usually, classroom training or work experience is part of the program. Depending on the bridging program you choose, there may be a fee associated with it. Contact a newcomer settlement agency near you or check local university or college websites to learn more about enrolment processes and eligibility criteria for specific bridging programs. 8. Look for a mentor Many Canadian professionals and industry leaders provide free advice and coaching to newcomers settling in Canada. This is a good way to learn how to adapt your skills and experience for the local job market and find relevant opportunities. You can look for a mentor through organizations like: Immigrant Services Association of Nova Scotia (ISANS) Calgary Region Immigrant Employment Council (CRIEC) Toronto Region Immigrant Employment Council (TRIEC) Edmonton Region Immigrant Employment Council (ERIEC) Ottawa Community Immigrant Services Organization (OCISO) How to position yourself as an ideal candidate and get a job offer The job market in Canada is competitive. Once you’ve identified a job position that’s a good fit for your skills and experience, it’s time to stand out from the crowd and market yourself as the ideal candidate. Positioning yourself as a strong candidate to an employer begins with building your personal brand. Here are a few other aspects to keep in mind as you prepare for a job application. Be confident and tell your story Practise responses to basic interview questions and have an elevator pitch so you’ll be more confident during the interview. Elevator pitches are a good way to introduce yourself and make an impression at the start of an interview. They can also serve as an answer to the “tell me about yourself” question. Think of your achievements and use specific examples or stories to demonstrate how you are a good fit for the role. Job interview resources: How to prepare for a job interview 10 common job interview questions and how to answer them The interview process in Canada may seem nerve-wracking. Prepped is an excellent resource for you to practise your interview skills and confidently prepare for the interview process. 6 Tips for improving your job search in the Canadian market 1. Customize your resume and add a cover letter A generic resume and cover letter sent to multiple employers may not yield much success in your job search journey. Be sure to customize your resume to each position that you’re applying for by tailoring your work experience, skills, and any additional information to the role. The cover letter is a good way to justify any gaps in your resume or provide any additional info that your resume can’t. Adding a custom, well-written cover letter to your resume can make you stand out from the competition, thus improving your chances of being approached for an interview. 2.Research the company and the role Be sure to research the company you are interviewing with – this will help you have more meaningful conversations with the employer and ask relevant questions. Look up the company mission, vision, some of its history, and market standing. Align your responses to the organization’s goals. Candid reviews on sites like Glassdoor can help you get insight into the operations and culture of the company. Get the names and titles of people who will be interviewing you and learn a bit about their background – this information can come in handy while making small talk with interviewers. Network with current or past employees through LinkedIn to learn more about the company and identify their needs – it will help you suggest potential solutions during the interview. 3. Polish your LinkedIn profile In Canada, it is common for employers and recruiters to search your name online. Brush up and polish your LinkedIn profile so that it’s up-to-date with your experience and qualifications. Also, ensure your social media or blogs don’t raise any red flags about you or portray you in a negative light. 4.For virtual interviews: Check your connectivity and surrounding environment With the coronavirus pandemic, many organizations have their employees working remotely. There is also a growing trend of candidates being interviewed virtually or over the phone. With this new setup, it is essential to showcase soft skills such as self-motivation and communication and demonstrate your comfort level using technology to connect. Be sure to check your phone reception, internet bandwidth and hardware or software requirements to ensure a smooth audio/video call for your interview. Avoid taking such calls from a coffee shop or a place where background noise levels may be high. 5.Be punctual and dress for the job you want Whether it’s a virtual or an in-person interview, make sure you’re punctual and dress for the job you want. For in-person interviews, plan your journey beforehand and consider the traffic and weather conditions. With the dress code, you can never go wrong with formals – this applies to in-person as well as virtual interviews. 6.Follow-up after the interview After the interview, take the time to send a thank you note to each of your interviewers. While this reflects your enthusiasm for the position, it also ensures the interviewer remembers you while deciding whom to hire. Finding meaningful employment in Canada can take anywhere from a few weeks to a few months. Preparation, persistence, determination, a positive attitude, and access to the right resources will help you find relevant opportunities. Original article located here, published by Arrive.

How to rent an apartment with no credit history or job letter in Canada

For the first few months or even a couple of years, most newcomers moving to Canada consider renting accommodation versus buying property. As an essential and high priority task, this often turns out to be challenging as in addition to the rent deposit, landlords usually ask for an employment letter, a credit report, and references. And with just having moved to Canada, newcomers often aren’t able to meet these additional requirements. So, as a newcomer, how can you find permanent accommodation in Canada with no credit history and no job offer letter? In this article, we will share a few tips and workarounds on how to position yourself as a reliable tenant so you can find a suitable place for you and your family. Moving to Canada soon and looking for more tips on renting a place? See How to rent your first home as a newcomer in Canada. To build a stronger case as a reliable tenant, you can try combining as many tips as you can from the ones outlined below 8 tips to find a rental unit without credit history and job letter in Canada 1. Provide proof of savings from a bank account You can demonstrate your reliability as a tenant by showing proof of savings to cover a few months of rent. To do this, you don’t need to provide a detailed bank statement. Speak with your banking advisor to know your options; it may be possible to obtain a letter indicating that you are in possession of the funds to pay the rent. Moving to a new country comes with many challenges. Book an appointment with an RBC Advisor or call 1-800-769-2511 to find answers to any financial questions you may have. RBC’s phone services are available in up to 200 languages. Once you have your appointment booked, an advisor will reach out to check whether you’d like to meet via phone, video or in-branch. 2. Provide a local guarantor or co-signer A guarantor or a co-signer is someone who agrees to pay rent on your behalf if you are not able to. Being a guarantor or co-signer is legally-binding, and usually, only close friends or relatives will agree to act as a guarantor for you. You should also consider the impact on your relationship with them should you fail to hold up your end of the bargain. 3. Look for house-share or apartment-share arrangements You can try to find a shared accommodation by – Subleasing from an existing tenant; or Co-signing the lease agreement with a roommate who has a good credit history; or Leasing from a landlord who lives in the same apartment or house. What is a sublease? A sublease allows you to rent a room from the original tenant of an apartment. Rent payments are made to the existing tenant who, in turn, pays the landlord. Generally, rooms that are subleased by tenants don’t require you to provide a credit report or employment letter. This may differ from place to place and depends on the urgency of the tenant who is subletting. In Canada, many people seek out roommates for their living arrangements. Instead of signing a sublease with the existing tenant, you could explore the option of co-signing the lease with a roommate who has a good credit history, to meet the credit history requirement. Landlords renting out a room in their own house or apartment may be willing to overlook the requirement for credit history and/or employment letter. You can start your search by looking for shared accommodation listings on sites like Kijiji, Craigslist, and some provincially popular options like Home Zone on Facebook (for Toronto and GTA listings). Tip: Sites like Kijiji and Craigslist tend to have many scammers. If a listing seems too good to be true, it’s probably a scam. Do not make any payments until you verify the place in-person and sign the appropriate paperwork. 4. If you can, offer more than expected deposit Each province in Canada has legal guidelines on rent deposit payments to be made by tenants before moving in. For example, in Ontario, renters are required to pay first and last month rent; there’s no security deposit. But in British Columbia, you will be required to pay a security deposit equivalent to half the monthly rent. In the absence of a credit report and employment letter, you can offer the landlord a few more months of rent upfront – this can be a huge incentive for the landlord to accept your application over another. Remember, the landlord cannot legally ask you for any additional amount beyond the specified norms. So be sure to check the guidelines for the province you are moving to and accordingly present your offer to the landlord. 5. Explore condos rented out by individual owners It can be relatively easier to find a condo or apartment that’s owned by individual landlords versus those that are owned by property management firms or large institutional investors. The application process for apartments located in rental buildings is usually very strict and offers little to no flexibility in terms of credit and employment verification. However, in a condo setting, most landlords are individuals and might be open to accepting you as a tenant, subject to your reliability. 6. Consider neighborhoods that are away from prime locations Finding a place in the heart of the city or the city centre is usually challenging even for those who have credit history and employment records to show. Broadening your search and considering the suburbs or neighbourhoods that are on the radius of the city may prove helpful in finding a suitable place. While you do this, if you don’t have a car, keep a close eye on public transportation and commute time to the city centre. 7. Book temporary accommodation for the first couple of months If you have friends or family already residing in Canada and they’re open to hosting you, it may be a good idea to plan your stay with them for the first few months. For those who cannot leverage this option, you can try booking long-term stays at an Airbnb, a hotel, or a hostel. Hostels in Canada are clean, secure, and extremely budget-friendly; some even provide free breakfast. Often, you’ll be able to choose between staying in a mixed dorm or a male or female-only dorm. Some hostels also provide private rooms at a higher cost. Try exploring sites like HostelWorld, HI Hostels, Booking.com, or Kayak to find good deals. If you are moving to Toronto as a single young professional, you can now skip the temporary accommodation part entirely and book a SoulRoom. Get a fully furnished room in one of the great locations in the city, at an affordable price. All rooms at SoulRooms come at a minimum six-month lease and are ready to live, equipped with high-speed internet, cable and utilities with shared living spaces. Just unpack your bags and be at home! Some landlords are willing to rent to tenants with a two or three-month credit history. Booking or arranging temporary accommodation for the first few months will give you a couple of months of time to build your credit. For a deeper understanding of how to build your credit, download Arrive’s guide onCredit and credit scores in Canada. How to obtain a credit report It takes at least a few weeks to a month for newcomers to receive their first Canadian credit card and a few additional months of credit transactions to generate a credit history. EQUIFAX and TransUnion are the two major credit rating organizations in Canada, and you can choose either one to get your credit report. Detailed instructions to obtain the report are available on the respective websites. 8. Take up a survival job and/or volunteer Survival jobs are lower-skilled jobs where significant education or extensive professional experience is usually not required. For example, working as a driver with a ride-sharing service, warehouse or factory worker, cashier at a grocery store, barista at a coffee shop, food delivery person, sales associate, telemarketing associate, cleaner, or a server at a restaurant. Volunteering is an integral part of Canadian culture, and giving back to the community is usually well-regarded and valued in Canadian society. It involves giving personal time freely for the benefit of another person, group, or cause. Both survival jobs and volunteering are good ways to earn Canadian experience, practice your language skills, build your network locally, and gather references for your rental application. Survival jobs will also provide you with an employment letter and cover basic living expenses while still allowing you to continue looking for your desired role. Helpful articles: Taking up survival jobs as a newcomer in Canada: All you need to know The benefits of volunteering as a newcomer in Canada Finding your first long-term permanent accommodation in Canada can be stressful and challenging. Following the tips outlined in this article will ensure you have a place to stay while you build your credit history and find employment. And over time, you will be well-positioned to find a place you can call home! Original article located here, published by Arrive.

10 tips to adapt to life in Canada

As a newcomer experiencing Canada for the first time, there may be some cultural differences you’re not familiar with. Adjusting to a new environment and culture can be difficult if you have no idea what to expect. In this article, we will share a few tips, resources and advice that will help you to better adapt to life in Canada and avoid culture shocks. 1. Be polite – use the words “please,” “sorry,” and “thank you” frequently Canadians are known to be very polite – the words, ‘please,’ ‘sorry,’ ‘thank you,’ ‘may I,’ and ‘excuse me’ are frequently used in social settings and interactions. Being polite is valued and expected, even with strangers. Note that these common courtesies don’t necessarily signal a desire to be friendly; they’re merely a social standard. Fun Fact: Canadians use the word ‘sorry’ so much that in 2009 they had to pass an Apology Act in Ontario. It means that if any Canadian says ‘sorry’ at the time of a crime or incident, it won’t count as an admission of guilt – just an expression of sympathy. Without this, there’d probably be many apologetic Canadians in prison. 2. Be punctual In Canada, punctuality is a sign of respect – everyone does their best to arrive on time for all personal, professional and social engagements. If you’re late, people will worry that something has happened to you or that you have forgotten about your appointment. It may also come across as being disrespectful. If you anticipate reaching late or if you cannot make it, social protocol dictates that you inform the host or meeting organizer about your change in schedule and remember to do this as much in advance as possible. 3. Network as much as you can Canada is an attractive destination for talent from all across the world. Many candidates have relevant qualifications, compelling track records, and winning personalities. This makes Canada diverse and multicultural, with a competitive job market. Tapping into the hidden job market and gathering valuable referrals are just two of the many benefits that networking offers; it also serves as a way to stand out from the competition and get noticed. The hidden job market refers to positions that are filled without the employer advertising them publicly. As much as 65-85 per cent of the jobs are not posted online, and approximately 40 per cent of positions are filled through a referral. This is why building your network in Canada can be very helpful in finding a job. Tip: When reaching out to a connection to ask for a job referral, establish a “warm” connection first. Start by asking your contact to learn more about their career journey through an informational interview and share your learnings and experiences as well. Resources to help you learn more about networking in Canada: How to build your network in Canada: The basics Where to build your network in Canada How to build your network: The coffee interview Coffee chats: Questions you should ask to network better 8 ways to meet new people and grow your network in Canada 4. Reach out to settlement services when you need help Settlement services and agencies exist in Canada to provide free support to newcomers at every step of the newcomer journey. They are available in both pre- and post-arrival and are funded partially or fully by the Canadian government to promote the comfortable integration of newcomers into Canadian society. Settlement services provide support in various areas, including career, housing, healthcare, immigration, education, and more. When you begin using settlement services in Canada, you may be connected with a settlement worker who will work with you one-on-one to support your settlement process. Tip: You can also visit the Immigration, Refugees and Citizenship Canada (IRCC) website to learn about settlement agencies and newcomer centres in your area that offer free newcomer services near you. Accessing settlement services in pre-arrival can fast-track your transition to Canadian life and help you adapt better. See Pre-arrival settlement services for newcomers to Canada for detailed information on various programs that may be available to you in your home country. 5. Familiarize yourself with cultural differences and keep an open mind Canada is a diverse and multicultural nation – people from different countries, all with their unique values, traditions, faith, languages, food and cultures reside here. An important part of adapting to Canadian life is being open to learning about other cultures and making a conscious effort to live in harmony while acknowledging the differences that exist. Having a positive attitude and keeping an open mind is key to this transition. Remember that in Canada, everyone is treated equally and with respect, irrespective of their gender, occupation, race, religion, or sexual orientation. Therefore, you shouldn’t let any stereotypes, biases or prejudices influence your words and actions while interacting with others. Respect personal space and privacy Canadians value their personal space and privacy. It’s best to stay away from discussing topics related to salary, family life, weight, religion, political views, etc. Disruptive behavior such as cutting in line, speaking out of turn, shouting, talking loudly are frowned upon. And remember to always ask permission before using anything that’s not yours. Allergies and sensitivities are common in Canada Allergies are very common in Canada. It is estimated that one in 13 Canadians have at least one food allergy. Most prevalent food allergies include shellfish, tree nuts, peanuts, milk, fish, egg, wheat, sesame, and soy. Hence, before offering food to someone, it is always advisable to check with them for allergies. Some people also have sensitivities. For instance, strong colognes and perfumes aren’t recommended because many people have sensitivities or allergies to strong scents. 6. Volunteer often Volunteering is an integral part of Canadian culture. Children are encouraged to do it, and high school students must complete mandatory volunteer hours. Adults volunteer their time and skills at charities, non-profit organizations, political parties, religious faith organizations, youth groups, and many other places. According to Statistics Canada, in 2013, 44 per cent of the population, aged 15 years and older, participated in some form of volunteer work. Volunteering involves giving personal time freely for the benefit of another person, group, or cause. It can help you – Build and grow your network: During your initial days or months as a newcomer in Canada, you may not know many people. Volunteering offers a forum to meet other like-minded individuals – newcomers and locals alike – and build your social and professional networks. Gain Canadian experience: Volunteering can help you bridge gaps in your work history while you look for a job and is a good way to gain the much-coveted, Canadian experience. Moreover, you can always ask the company you volunteered with to provide reference letters, which can be useful in your job applications. Volunteering also offers the opportunity to learn new skills and brush up on your English or French language skills. Integrate with Canadian society: Besides offering career-specific benefits, volunteering in non-traditional setups such as at your local religious/faith organization, at your child’s school, or at a park in your neighbourhood will help you broaden your social circle and smoothen your transition to Canadian life. To discover the importance of volunteering in Canada, and learn how to find volunteering opportunities, read The benefits of volunteering as a newcomer in Canada. 7. Tipping for services is ingrained in Canadian life Canada, like many other countries, has a prominent tipping culture. Tipping (also called, leaving gratuity) when receiving any services tells the staff how good you thought their service was. It is not mandatory but in certain situations it is customary and expected. Not tipping for services is considered rude. Why tips matter In Canada, service and hospitality industry workers (such as bartenders, servers, hairdressers, drivers, food delivery persons, etc.) are generally paid only minimum wage. Some provinces have a separate (lower) minimum wage for the hospitality industry: the expectation is that tips earned will make up the difference for these workers. Who should you tip It is common to tip when paying for services in the hospitality industry. This includes but isn’t limited to: restaurant wait staff, food or grocery delivery personnel, bartenders, coat check personnel, hotel staff (like, housekeeping, maids, bellhop, valet, and room service), hair stylists, beauticians and masseurs, taxi drivers and ride-share (Uber/Lyft) drivers. Note: You are not expected to tip for counter service (e.g. at coffee shops and cafes – where you place an order over the counter, food trucks, ice cream shops, bakeries, etc.). You’ll often see tip jars at these places. You can tip if you receive good or exceptional service, but it isn’t expected. Tip: Sometimes the tip may be automatically added to the bill; be sure to check that so you don’t tip twice. Read Tipping in Canada: Things to know as a newcomer to learn how to calculate tips and get information on average tips for varied services. 8. Customize your resume and cover letter to the position you’re applying for Merely having a one-page Canadian-style resume and cover letter isn’t enough. You should customize it to suit the job description and requirements of the position you are applying for. Tailor your work experience, skills, and any additional information to the role. Include keywords from the job posting and always start your sentence with relevant action verbs like spearheaded, achieved, managed, trained, etc. Also, remember to craft a compelling summary for your resume. While working on your resume, avoid including very detailed information for each position you have held; you can share relevant details in the interview instead. Recruiters and hiring managers prefer seeing quantified accomplishments on resumes. The ‘CAR’ approach is a good way to help you structure individual sentences: C = what was the Challenge, A = what Action did you take, and R = what the Result was. For free, downloadable resume templates and more valuable tips on creating a stand-out resume and cover letter see, Canadian resume and cover letter: Format, tips, and templates. 9. Familiarize yourself with Canadian slang You may have heard of the famous Canadian phrase ‘eh’ – some locals append it to the end of almost any sentence. Other popular slangs are: Toque = beanie (winter hat) $1 CAD coin = loonie $2 CAD coin = toonie Kilometre = klick or click 6ix = Toronto Timmies = Tim Hortons (chain of coffee shops) Double-double = a coffee with two milks and two sugars; only used at Tim Hortons Mickey = a 375 ml (26 oz) bottle of liquor Two-four = a case of 24 beers Pop = soda, a soft drink, or any flavored carbonated beverage That’s jokes = something is hilarious or funny Darts = cigarettes Mounties = The Royal Canadian Mounted Police (RCMP) Parkade = a multi-story parking lot Washroom = Canadian term for a bathroom or restroom Beavertail = deep-fried dessert pastry resembling a beaver’s tail 10. Familiarize yourself with ice-breakers and small talk It is very common for Canadians to open any conversation/meeting/coffee chat with small talk. So, don’t be shy to initiate small talk – it’s part of Canadian culture. You can chat about the weather, your hobbies, how you spent your weekend, things you do outside of work, food, fitness, your travel to the meeting location, or sports. Avoid sensitive topics such as politics, religion, physical appearance, or age. As you settle in, common courtesy combined with curiosity will enable you to better understand Canadian culture. When in doubt or if you’re confused, it’s a good idea to ask people around you. Patience, understanding and immersion in local culture will help you to learn and adapt faster. Original article located here, published by Arrive.

Canadian finances 101: What you should know as a newcomer

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

Over 2850 people supported by eye health education and vision screening delivered by Villa Vision

“Aston University and Aston Villa Foundation have a strong social purpose and the successful delivery of Villa Vision in our local schools demonstrates this perfectly. Eyesight problems shouldn’t hold any child back.” Jack Dromey, MP for Birmingham, Erdington The Villa Vision initiative is raising awareness of the importance of eye health to children in schools and individuals in local community setting It is a joint project between the Aston Villa Foundation, Aston University’s Optometry School and optical lens supplier Essilor Vision for Life Jack Dromey, MP for Birmingham Erdington, visited Aston University campus to learn more about it Jack Dromey, MP for Birmingham Erdington, visited Aston University campus on Friday July 23 to learn about a unique initiative to deliver good eye health to communities in Birmingham. Villa Vision, a joint project between the Aston Villa Foundation, Aston University’s Optometry School and optical lens supplier Essilor Vision for Life, aims to benefit the local community through the provision of free eye care and to raise awareness of the importance of eye care for all. Pupils from the poorest backgrounds are more likely to suffer from uncorrected vision problems. Left untreated, vision problems may result in the need for more learning support at school and can lead to health and vision consequences in later life. Aston University worked alongside the Aston Villa Foundation and Citizens UK to listen to the local community, which identified that children and adults in the local area face a number of challenges when it comes to accessing eye care, including a lack of parental support, awareness, accessibility, language barriers and a misconception about cost. In addition, it has been shown that children from less affluent areas are nearly 30% less likely to have an eye test than children from more affluent areas, with this number significantly increasing among adults. Funded by the Premier League and the Professional Footballers’ Association (PFA), the project is designed to fill a crucial lack of knowledge surrounding the importance of having an eye test and how preventative measures can ensure, among a host of benefits, a lifetime of good vision. The Villa Vision team is delivering a programme of eye-health awareness lessons in the classroom, as well as free vision and colour vision screening, followed by a more comprehensive eye test and free glasses to those children who require them, using a fully operational custom-designed mobile eye care unit. So far, the initiative has engaged with over 1750 local children and adults through classroom workshops and have vision and colour vision screened around 1100 local primary aged children. Jack Dromey, MP for Birmingham, Erdington, said: “Aston University and Aston Villa Foundation have a strong social purpose and the successful delivery of Villa Vision in our local schools demonstrates this perfectly. Eyesight problems shouldn’t hold any child back.” “Poor vision can often go unnoticed, particularly amongst children so Villa Vision will provide the opportunity for children to have a free vision screening check at school. In addition to this, for those children requiring further investigation the initiative will also provide a full eye examination and glasses if required for free using a fully equipped mobile eyecare unit.” Nikhil Sonpal, Villa Vision project manager and optometrist said: “Children may not always recognise whether there is something wrong with their vision and it is particularly damaging if vision problems go undetected. “We understand that, particularly in more deprived communities, many children and adults may face a number of significant challenges and barriers when it comes to accessing eye care services,” Mr Sonpal added. Dr Angela Jeffery, director of regional strategy at Aston University, said: “Engaging with communities on Villa Vision has provided insights into the challenges local people face and helped to shape Aston University’s Civic Agreement.” “Our approach to public engagement draws on innovative community-facing activities across the University and we are constantly developing new and exciting ways of engaging with the public and look to the diverse communities around us to contribute, collaborate and coproduce initiatives with us.” Professor Leon Davies, professor of optometry and physiological optics and head of the School of Optometry at Aston University said: “We are delighted to be working with Aston Villa and Essilor to share our clinical and research expertise in providing evidence-based eye care. “Designed for our region, Villa Vision will benefit our local community through the provision of free eye care and by raising awareness of the importance of eye health for all.”