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What the Basque Country tells us about 'levelling up' | Aston Angle

What the Basque Country tells us about using local governance to level up By Dr Caroline Gray Lecturer in Politics and International Relations School of Social Science and Humanities January 2022 In a recent interview on his vision of ‘levelling up’, Michael Gove, Secretary of State for Levelling Up, Housing and Communities, cited the Basque Country as one example of where ‘things have been done well’. The Basque Country, an industrial region of northern Spain with a population of just over two million, is widely admired for having undergone a remarkable, industry-focused economic transformation since it was hit by the decline of heavy industry in the 1980s. It is now one of the leading regions in Europe not only in terms of GDP per capita, but also in having a low percentage of population at risk of poverty or social exclusion. Within Spain itself, critics usually attribute this to the way the Basque fiscal autonomy model works, enabling the region to keep more of its own wealth to itself than other similarly prosperous regions in Spain – a form of internal ‘levelling up’ at the expense of other regions. This, however, is not the only contributing factor to the Basque Country’s economic transformation. Effective governance has also played a key role. What takeaways from the Basque experience might be relevant to levelling up in the UK and the devolution framework needed to facilitate it? Through my research on the Basque governance systems, I’ve discovered that some of the most valuable lessons relate to how multi-level governance works within the Basque region itself and how that contributes to economic and social transformation. Devolution does not stop with the powers devolved to regional governments or authorities; the relationship between different stakeholders and layers of governance within a region or locality is equally important. If the UK government wants to learn from what the Basque Country has done well, it should consider the following: 1. Devolution beyond metropolitan areas needs to be flexible and adaptable to place-based specifics In his July 2021 Levelling Up speech, Boris Johnson announced that levelling up would involve extending devolution beyond cities with new deals for the counties. The government must stick to the commitment it made then to shape new devolution deals with local input, avoiding one-size-fits-all approaches. The Basque Country provides valuable evidence for why it’s beneficial to shape governance approaches to the economic geography of an area. As one of Spain’s 17 regions called ‘autonomous communities’, the Basque Country is, in turn, divided into provinces (Araba-Álava, Bizkaia and Gipuzkoa) and municipalities. Counties, which don’t have an administrative body, but which do house county development agencies, make up an additional level between the provinces and municipalities. The economic activity of two of the provinces (Araba-Álava and Bizkaia) is typical of metropolitan areas in that it is centred heavily on their capital cities (Vitoria and Bilbao, respectively), where the provincial councils are based. However, in the third, Gipuzkoa, economic activity is more distributed across different hubs in the province. As a result, in Gipuzkoa, the county development agencies, created in the late 1980s, have acquired a particularly important role, as interviewees from the Basque Institute of Competitiveness explained to me. The counties map particularly well onto the different industrial areas in the province, thanks to the fact that they were designed with the bottom-up input of municipal leaders working together with the provincial council. The county development agencies have, in turn, become a key channel via which the provincial council in Gipuzkoa can reach SMEs more easily, as they are closer to the firms. Such local networks are particularly important in non-metropolitan areas where economic activity can be more dispersed. This is why the UK government must make sure any new devolution framework it designs is flexible enough to allow for local input and adaptations to place-based considerations. 2. Bottom-up, collaborative dynamics are essential to the design and implementation of placed-based strategies Basque economic development has undoubtedly benefitted from the fact that the regional government draws upon input from different levels of administration and a range of other public and private stakeholders in the region when designing its industrial policies. Experiments in collaborative governance have become increasingly innovative over the years, not only at regional but also provincial and local level, designed to reach beyond the largest firms and to engage wider society. The county development agencies in Gipuzkoa, for example, used to provide services to SMEs in an essentially one-way direction – for example, advising them on how to apply policy – but have since evolved more into facilitators of networks for cooperation and mutual learning among public and private actors at county level. This not only facilitates more efficient implementation of regional policies, but also channels local feedback upwards into the policy-making process, adding value. Collaboration among different tiers of governance and different areas, rather than competition, has been the goal of such approaches. Therefore, the UK government needs to reconsider the increasingly competitive dimension of current devolution arrangements. Having areas compete against one another for centrally controlled, often short-term pots of money doesn’t facilitate the formation of robust, collaborative partnerships that could ultimately add value and increase efficiency. Finally, institutional stability is important. From the Regional Development Agencies (RDAs) to the Local Enterprise Partnerships (LEPs), which are now under review, there has been frequent chopping and changing in the institutions and policies meant to tackle the UK’s place-based inequalities in recent decades. The Basque Country shows what can be achieved with a more stable, longer-term institutional and policy framework and vision. If it is to have a meaningful impact in tackling inequalities, the Levelling Up White Paper must provide the basis for a longer-term devolution framework that goes well beyond the current government term, with a clear allocation of resources and responsibility.

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

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

Scholarship opportunities for international students in Canada

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

How to move to Canada: A checklist for newcomers

Moving to Canada from another country is no easy task. Whether you plan to settle in Canada permanently or relocate for better career or study options, it takes a lot of time and organization to ensure a smooth transition into life in a new country. We’ve created a handy moving to Canada checklist, which will provide you with a step-by-step guide of all the things you need to do, from deciding which immigration program to apply for to preparing for your life in Canada. In this article: Determine the best immigration pathway for you Get ready to apply for Permanent Residence (PR) Start your PR application process Wait for your PR application to be processed Get ready to travel Determine the best immigration pathway for you Choose between temporary and permanent residence When you’re first considering a move to Canada, you’ll have to choose between several immigration pathways. Many newcomers apply for Permanent Residence (PR) directly, which allows them to live and work in Canada permanently and even become Canadian citizens down the line.  The other option is to apply for temporary residence, either in the form of a study permit or work permit, so you can experience life in Canada before deciding whether you want to stay permanently or return to your home country. Due to ongoing delays in the immigration process, many newcomers who were originally planning to apply for PR (or were awaiting a response on their application) are now exploring temporary ways of moving to Canada. However, it’s important to evaluate the pros and cons of each pathway before making a decision. For instance, while it’s easier and faster to get a study permit, it’s a longer road to PR. Also, the cost of education for international students is quite high, and even though you may be allowed to work part-time while studying in Canada, you’ll still have to rely on your savings to cover living expenses during your study period.  Having Canadian work experience or educational credentials makes it easier to qualify for PR, so if your estimated Comprehensive Ranking System score is low, it may be better to try for a study permit or work permit first. Get ready to apply for Permanent Residence (PR) Decide which province you want to live in The province you choose to settle in will determine the job opportunities that’ll be available to you, the quality of life you’ll have, the cost of living, schooling options for your children, and the cultural environment. Many provinces also have Provincial Nominee Programs through which they invite newcomers whose skills are needed to fill in-demand jobs in the region. Do some research to learn about Canada’s provinces and territories, the major cities that newcomers prefer to live in, and the job market. This will help you decide which province you want to live in before you apply for PR. Identify the right PR program for you Canada has several immigration programs for PR, both at the federal and provincial levels. The Express Entry program is the most popular among newcomers and includes streams for foreign skilled workers, skilled tradespeople, and foreign nationals with Canadian work experience who want to settle in Canada permanently. The Express Entry program uses a point-based system known as the Comprehensive Ranking System (CRS) to rank and evaluate individual immigration applications based on factors such as skills, education, language ability, work experience, age, and more. Immigration, Refugees, and Citizenship Canada (IRCC) conducts periodic draws to determine the CRS cut-off and, if your score is higher than the cut-off, you’ll receive an Invitation to Apply (ITA) for PR. If you’re certain about the province you want to live in, you can apply through the Provincial Nominee Program instead. Securing a provincial nomination adds 600 points to your CRS score, significantly increasing your chances of qualifying for PR. Start your PR application process Gather essential documents for your application As you start filling in your PR application, you’ll be asked to upload various documents, including: Education credentials assessment (ECA): An ECA verifies that your foreign educational degree, diploma, or certification is valid and equal to a Canadian one. The ECA process takes time, so start the process at least two months before you plan to submit your PR application. Language proficiency test scores: If your first language isn’t English or French, you’ll need to take an English and/or French language test. For English, the IRCC accepts IELTS and CELPIP test scores, while for French, you’ll need to take the TEC Canada or the TEF Canada test. Passport: Your PR application will be linked to your passport number, so be sure to check the validity of your passport and get it reissued if it’s scheduled to expire soon. Fill in and submit your Express Entry or PNP profile Once you gather all the essential documents, you’re ready to create your application. For Express Entry, you’ll need to create an account on IRCC and create a profile under one of the three streams. You’ll also need to pay an application fee, which includes the fee for a biometrics test. Once your profile is submitted, you’ll be entered into the Express Entry pool of candidates to await the next CRS draw. Your Express Entry profile will be active for 12 months or until you receive an Invitation to Apply (ITA), whichever is sooner.  Some PNP programs may require a separate application. You can find more information on the application process for these programs in our Provincial Nominee Program series. Respond to the Invitation to Apply (ITA) Depending on the immigration program you apply to, you’ll typically have 30 to 60 days to respond once you receive an ITA. At this time, you’ll be asked to provide documentation to support the information you provided in your profile. Some of this paperwork can take time to source, so we recommend gathering these essential documents well in advance.  Proof of settlement funds: You’ll require bank statements and letters from your financial institution to prove you have sufficient funds to cover living expenses for your first few months in Canada. Police certification: Your local police authorities will need to certify that you don’t have a criminal background in your country. Work experience letters: Depending on your professional history, you may be required to submit letters from your past and current employers verifying your employment history, including the dates of your employment, working hours, job title and responsibilities, and salary. Birth and marriage certificates: If you’re applying for PR as a family. Job offer letter: If you already secured a job offer in Canada. Medical exam: You’re only required to take a medical test if you receive communication from the IRCC or province asking you to do so.  Wait for your PR application to be processed How long does it take for your PR to be processed? The processing time for permanent residence applications varies based on the program you apply under. In most cases, it takes at least six months, but due to ongoing COVID-19 related delays, there’s a significant backlog and you may have to wait over a year to get your Confirmation of Permanent Residence (COPR). However, there are some things you can work on while you wait to make your transition into life in Canada easier. Prepare for the Canadian job market  Finding your first job in Canada takes time. Use this extra time to prepare for your job search. Explore the job market in the city you’re planning to settle in and look at job descriptions posted for employment opportunities in your field. You can also start building a professional network in Canada through LinkedIn, virtual coffee chats, and online networking events.  Before you start applying to jobs, create a Canadian-style resume and cover letter and customize it for each role. Since most companies now conduct interviews remotely, you should also start interview preparation, so you’re ready to start actively applying for jobs as soon as you get your COPR. Work on your language skills English and French are the two official languages in Canada, although English is more common everywhere except Quebec. If you need to work on your communication skills, this wait period is the perfect opportunity to sign up for language classes or practice at home. Research the basics of living in Canada Life in Canada may be very different from what you’re used to back home. As part of your preparation, be sure to research the types of accommodation available in Canada and use Arrive’s monthly expenses calculator to estimate the cost of living in your target city. Find out about provincial health coverage, the process of getting a driver’s licence, the public transportation system, and, if you have children, the school system in your future province. Familiarize yourself with the financial system, including the role of credit scores, and research banking options that are best-suited to your situation.  Many newcomers also experience culture shock when they first arrive in Canada, so spend some time learning about cultural differences you can expect and connect with any friends and family in Canada to learn from their experiences. Prepare to move to Canada Get your visa stamped Once you receive your COPR, you’re all set to prepare for your move. The first step is to submit your passport for a visa stamp and give your biometrics at the authorized agency in your country. The communication you receive from IRCC along with your COPR will have detailed instructions on these steps. Get ready to travel With your visa and COPR in hand, you’re ready to book your flight tickets to Canada. Since it usually takes some time to find long-term rental accommodation, most newcomers book temporary accommodation, such as a hotel, B&B, or hostel for their first few weeks.  Next, you’ll need to start packing the belongings you intend to bring with you. As you do that, you can also fill out the personal effects documentation, or forms B4 and B4A (BSF186 and BSF186A), which you’ll need to present to border officials at your port of entry. While you only need these forms at the airport, it’s much easier to fill them out as you pack. You may also have belongings you won’t bring with you to Canada, such as your furniture, vehicle, large electronics, and other items. If you intend to sell these goods before you leave, make sure you allocate enough time to do so. Start applying to jobs in Canada Now that you have a landing date planned, it’s time to start actively applying for jobs. Keep in mind you’re only allowed to start working for a Canadian employer after you receive your PR, but if your initial interviews go well, you can always explain your situation to the employer and negotiate a joining date that’s after you land. Get your documents in order In addition to the documents you submitted along with your PR application, you’ll also need the following during your travel or for your life in Canada: Driver’s licence and extract: If you have prior driving experience in your country, getting a driver’s licence extract from your local authority can help you get a full Canadian licence faster.  Travel insurance: In some provinces, the provincial health coverage has a wait period and you’ll need travel insurance to cover you during that time. Medical records, prescriptions, and any ongoing medication References from past employers  Quarantine plan: If you’re travelling to Canada during the COVID-19 pandemic, you also need a quarantine plan for your first few weeks after you land. At present, fully-vaccinated travellers are exempt from the mandatory quarantine, but the final decision is up to officials at your port of entry. Passport and tickets Start the process to open a Canadian bank account A Canadian bank account will be foundational for your financial success in Canada. You’ll need access to your funds during your first few weeks in Canada, so, if possible, you should start the process of opening a bank account before you arrive. Some financial institutions, like RBC, allow you to start the bank account opening process virtually from your home country.  Once you’re in Canada, you can visit your local bank branch or set up a virtual appointment to open your account. You’ll also need to apply for a credit card, so you can start building your credit history in Canada. Prepare for your first few days in Canada  There are several things you’ll need to get done in your first few days in Canada and, with a little advance preparation, you can arrive all set to accomplish everything on your list.  Bring some Canadian currency, ideally in small bills, to cover your expenses until you get a debit or credit card. If you arrive in the winter, pack some warm winter clothes in your carry-on luggage (winter temperatures in Canada are often below freezing!).  Look at public transit maps in your city and make note of the bus stops or subway stations close to your temporary accommodation.  Carry a travel adapter for your electronics (standard voltage in Canada is 120 V).  Buy an international calling card or purchase a Canadian SIM card online and have it delivered to your temporary address. Note: you may be able to purchase a Canadian SIM card upon arrival at certain airports in Canada. Many newcomers from across the world come to Canada with the goal of working and settling here. If you’re exploring immigration pathways to Canada, this moving to Canada checklist will provide you with the information you need to choose a suitable immigration program, apply for permanent residence, and plan your move to Canada. Original article located here, published by Arrive. About Arrive Arrive is powered by RBC Ventures Inc, a subsidiary of Royal Bank of Canada. In collaboration with RBC, Arrive is dedicated to helping newcomers achieve their life, career, and financial goals in Canada. An important part of establishing your financial life in Canada is finding the right partner to invest in your financial success. RBC is the largest bank in Canada* and here to be your partner in all of your financial needs. RBC supports Arrive, and with a 150-year commitment to newcomer success in Canada, RBC goes the extra mile in support and funding to ensure that the Arrive newcomer platform is FREE to all.

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.

Top 6 reasons to study in Canada: Advantages for International Students

Canada is one of the most attractive destinations for international students wishing to study abroad. The country is known for its world-class education system and a wide variety of study programs for undergraduate, graduate, and post-graduate students. If you’re exploring the option of studying overseas, the fact that Canada is home to some of the top universities in the world is reason enough to add it to your list of study destinations. Nine Canadian universities feature in the top 200 academic institutions worldwide, according to the U.S. News & World Report’s Best Global Universities 2022, which compared institutions across 90 countries. Besides the quality of education and institute rankings, there are many other reasons that make Canada a great study destination. This article compares some of the most popular study destinations and outlines six factors that make Canada one of the best countries in the world for international students. Why is Canada an attractive study destination? 1. Affordable study programs compared to other countries As an international student, one of your key criteria for choosing a study destination may be tuition fees. While the cost of education abroad can be quite high, the average tuition fee for study programs in Canada is lower compared to other popular study destinations like the United States (U.S.), the United Kingdom (U.K.), and Australia. 2. Better quality of life and lower cost of living in Canada Tuition fees will not be your only expense when you’re studying abroad. You’ll also need to account for non-tuition fees, such as additional university fees, health insurance, and ancillary fees. And of course, you need to budget for your living expenses, which include accommodation costs, the cost of food, travel, your phone bill, and more during your period of study. In Canada, international students can expect to spend between $19,000 and $28,000 CAD on living expenses in their first year. This includes the cost of accommodation (on- or off-campus), food, transportation, insurance, books, and other personal expenses. In addition, you’ll also need to pay the application fees for your study permit or student visa and for the institutions you’re applying to. According to a recent cost of living comparison, the cost of living plus rent indices for Canada, the U.S., the U.K., and Australia are 54.62, 57.60, 53.24, and 61.51 respectively (these indices are relative to New York City). This means that it’s comparatively more expensive to live in the U.S. and Australia than in Canada. On average, living in the U.K. is slightly more economical than in Canada, but the cost of living may be higher in larger cities where universities are located. Quality of life is usually a factor of several aspects, such as quality of education, health care, employment, job security, environmental quality, and individual freedom. In the recent 2021 Best Countries Ranking, Canada was ranked the best country to live in. Australia ranked #6 on the list, but the U.S. and the U.K. did not make it to the top 10. 3. It can be easier to get admission into Canadian study programs Compared to the U.S., it can be relatively easier to get admission into Canadian universities or colleges. For admission into bachelor’s programs as an international student, Canadian universities typically take your high school academic track record into account. In the U.S., international students applying for undergraduate programs also need to get a good score on the SAT or ACT exam and there’s more emphasis on overall extra-curricular development. If you’ve been focusing on academics over these other criteria, you may have better chances of getting accepted to a Canadian university. Australia and the U.K. have eligibility criteria similar to Canada. Canadian universities also tend to have a better acceptance rate compared to similarly ranked U.S. institutions, so your chances of securing admission into an institute and study program of your choice are higher. 4. Ample post-graduate job opportunities in Canada As an international student, one of your criteria for choosing a study destination might be the possibility of staying and working abroad after your graduation. In most cases, this will mean applying for and getting a work permit, and being able to find a suitable job after you graduate or complete a higher education program. In Canada, the process of getting a Post-Graduation Work Permit (PGWP) is fairly simple and you can apply for one immediately after finishing your study program or within 180 days of its completion. You may be eligible for a work permit if you’ve studied at an authorized Designated Learning Institution (DLI) with a valid study permit and if you were enrolled in a full-time study program that was at least eight months long. The validity of your work permit in Canada will depend on the length of your study program and can range from eight months to three years. So if you’ve completed a Bachelor’s program in Canada, you’ll likely qualify for a three-year PGWP. The Canadian PGWP is an open work permit, so you can choose to work in any field, regardless of whether it’s related to your study program. There are no restrictions on the time period within which you must find employment. It is also comparatively easier to find for international students to find a job in Canada after completing their studies. With a PGWP, you can choose to work part-time, full-time, or start your own business in Canada. In comparison, the post-graduate work permits or Graduate visas granted by the U.K. are typically two years long for international students who’ve completed their undergraduate or graduate program on a valid student visa or Tier 4 (General) student visa in the U.K. A three-year work permit is only issued to international students who’ve completed a doctoral program in the country. This visa allows students to work, or look for work, at any skill level. In the U.S., international students who’ve completed a study program that’s at least one year long on an F-1 visa are eligible to apply for a one-year Optional Practical Training to gain work experience related to their education. Students in STEM majors can get a 24-month extension on their OPT. However, international students on OPT cannot remain unemployed for more than 90 days, which means that you’ll need to find and start a job within three months of completing your degree. While you’re completing your OPT, your employer can sponsor an H-1B work visa lottery application on your behalf once per year. However, since the H-1B visa is lottery-based, not everyone who applies will get it. 5. Multicultural classrooms and workforce Another advantage of studying in Canada is that you’ll usually be a part of a multicultural classroom, and after graduation, a diverse workplace. Canada welcomes international students from all parts of the world and consequently, you’ll have a chance to stay connected to your roots and learn about other cultures. As an international student, understanding cultural differences within the classroom fosters an environment of inclusivity and respect, which will help you be better prepared as you enter the global workforce. Canada’s leading university, the University of Toronto, for instance, has around 21 per cent of international students who come to study in Canada from 168 countries. In comparison, the top U.S. universities have between 11 and 17 per cent of international students enrolled. 6. Canadian immigration pathways for international students One of the main reasons Canada is a popular study destination among international students is because it’s easier to immigrate and get permanent residence (PR) after your study program. The country offers many immigration pathways, and for Express Entry streams like Canadian Experience Class (CEC), Federal Skilled Worker (FSW) program, and Federal Skilled Trades Program (FSTP), you may be able to get extra points for your Canadian education to improve your Comprehensive Ranking System (CRS) score. Some of these streams require you to have Canadian work experience for which you’ll first need to apply for a Post Graduate Work Permit after completing your education. Many Provincial Nominee Programs (PNPs) also have specialized streams for international students who’ve completed a study program in specific Canadian provinces. Depending on the immigration stream you choose, you may be eligible to apply for Permanent Residence soon after graduation or with 12 to 24 months of Canadian work experience. Once you receive your PR, the duration of your residency in Canada as an international student and temporary foreign worker can also be taken into account while determining when you’ll be eligible to apply for citizenship. Canada plans to welcome over 400,000 new permanent residents per year between 2021 and 2023, and getting a Canadian degree or diploma can increase your chances of being selected for PR. In comparison, in the U.S., fewer green cards are issued and there may be long wait times, depending on your country of birth, even if you do qualify. In the U.K., you’ll need to complete five years in a post-graduation job to be eligible for an “indefinite leave to remain (ILR) Visa”. As an international student, choosing a country to go to for higher education is a big decision. You’ll need to evaluate not just the quality of universities and study programs, but also the opportunities the country offers to work and stay after your graduation. Canada’s world-class education system, coupled with the immigration pathways the country offers, makes it one of the best study destinations for international students. 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.

Tune In and Learn from our Experts - The Science of Decision Making

Did you know the average adult makes more than 35,000 decisions each day? The Science of Decision Making is the most recent episode available on The Goizueta Effect podcast. Emory University's Goizueta Business School Professor Ryan Hamilton shares how a better understanding of the human mind can help you make the best decisions in your own life – and position your products, services, and teams for growth. On the podcast you’ll find out more about: Grounding Tenets: The 4R’s of Decision Making How Cognitive Resources Impact the Decision-Making Process The Mental Load of COVID Importance of Reference Points for Businesses Halo Effects: Impact on Perceived Prices and Satisfaction Levels Impact on Satisfaction Levels Impact on Individual Perception Does Hamilton’s Research Influence His Behavior? The link to the podcast is attached below and if you are a reporter interested in learning more about Ryan Hamilton’s research – we’re here to help. Ryan Hamilton, associate professor of marketing at Emory’s Goizueta Business School. He is available to speak with media regarding brands and brand reputation – simply click on his icon to arrange an interview.

New £1.5 million healthcare simulation facilities to open at Aston University

New clinical simulation facilities for medical, pharmacy and optometry students are set to open in 2022 Including an ocular simulation unit facility which will be the only one in Europe, as part of further investment in clinical facilities in the College of Health and Life Sciences at Aston University. The facilities are part funded by the Office for Students which awarded the University £806,226 to set up a ‘high fidelity’ simulation A&E room with further expenditure by Aston University on an ocular simulation unit. Aston Medical and Pharmacy School students will be able to practise in emergency settings using high quality manikins where they will simulate treating patients for acute conditions such as a heart attack or learning how to intubate a patient onto a ventilator. The high-fidelity acute care simulation room will be equipped with recording facilities, a debrief room and control room. The funding will allow for the purchase of other training equipment such as a hospital grade bed and single task trainer simulation equipment. For example, male and female catheterisation models, pelvic and rectal trainers, venepuncture arms, breast trainers and abdominal trainers. Professor Liz Moores, deputy dean of the College of Health and Life Sciences, said: “We are really excited to have the support from both the Office for Students and Aston University in building these state-of-the-art facilities for our students and can’t wait to start using them. “The acute care simulation room will allow us to simulate a variety of emergency resuscitation scenarios that are very difficult to teach in real life situations, such as heart attacks, acute breathlessness and severe allergic reaction and will be of great value in training students of medicine and pharmacy.” Students in the School of Optometry will also be equipped with simulation facilities to carry out treatment on patients. Professor James Wolffsohn, head of the School of Optometry said: “The ocular simulation facility at Aston University will be unique in Europe, allowing students to refine their skills in examining the health of the front and back of the eyes and to experience a wide range of eye disease. “One of the simulators even allows them to utilise their smartphone to practice at home. They can gain direct feedback and be assessed by the simulators, allowing more flexible, diverse and intensive learning than can be achieved with clinical practice placements.” It is hoped these facilities will help plug some of the gaps in clinical placements that are currently affecting students since the COVID-19 pandemic. As a result of the pandemic, alternative ways are being explored to gain high quality authentic ‘clinical’ experiences, whilst not exposing patients, staff, or students, to risk. The health crisis has also increased pressure on the NHS creating a need for alternative but appropriate training facilities, to ensure that students are fully prepared for the medical profession. The simulation facilities are due to be open in time for the September 2022 intake of students.

“Rethink What’s Possible” - MSOE sits down with Sheila Ross and John Bukowy to talk about Humanizing Machine Learning

On Rethink What’s Possible, a podcast by Milwaukee School of Engineering, MSOE students, faculty, staff, alumni and community partners share their inventions, research, industry trends, projects, experiences and how they’re rethinking what's possible. Artificial intelligence. Machine learning. High performance computing. Super computers. These terms have been around for quite a while now, but only in recent years the research has been put into practice and there are no signs of it slowing down. Episode Three, 'Humanizing Machine Learning,' Artificial intelligence (AI) is becoming prominent in more and more industries each day, including health care. Artificial intelligence (AI) is becoming prominent in more and more industries each day, including health care. Join Dr. Sheila Ross and Dr. John Bukowy, AI faculty experts from Milwaukee School of Engineering (MSOE) and student Ethan Hindes as they discuss the advancements of AI in “Humanizing Machine Learning,” part of the MSOE podcast, “Rethink What’s Possible.” They talk about its impact on their research with the Medical College of Wisconsin to identify and assess the severity of damage to blood vessels in kidneys. Hindes also discusses how he found his way to major in computer science. The podcast is available for download and well worth listening to. And, if you are a journalist interested in learning more or arranging an interview with Dr. Ross or Bukowy – simply click on either expert's icon now to arrange an interview today.