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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.

A missed opportunity - hospital doctors must stop 'risky' medicines

Hospital doctors and pharmacists should stop ‘risky’ medicines before patients leave hospital - according to researchers at the University of East Anglia. One in two older people are prescribed a medicine which over time has become inappropriate or unnecessary. In a recent National Overprescribing Review titled ‘Good for you, good for us, good for everybody’, the government called on doctors and pharmacists working in GP surgeries to tackle the problem of overprescribing. But research from UEA’s School of Pharmacy has found that nine out of 10 older hospital patients and their family believe that inappropriate or unnecessary medicines should also be spotted and stopped whilst they are in hospital. And the team say that by the time people are back under their GP care, a major opportunity has been missed. Prof Debi Bhattacharya, from UEA’s School of Pharmacy, said: “We know that half of older people admitted to hospital arrive having been prescribed a medicine that over time has become inappropriate for them. These medicines will have more risks than benefits. “And their side effects cause problems, like making them feel drowsy, nauseous or have trouble getting to sleep. These problems impact a person’s quality of life to the extent that they can cause re-hospitalisation. “Our research has shown that very few patients have one of these ‘risky’ medicines stopped whilst in hospital. “Continuing medicines when they are not needed unnecessarily harms people and wastes NHS money. “The time is right to undertake research into ways of safely increasing the number of inappropriate and unnecessary medicines that are stopped,” she added. To tackle the problem, Prof Bhattacharya is leading a £2.4 million trial to stop risky medicines in hospital - in collaboration with researchers at the Universities of York, Newcastle, Leeds and Leicester, the Norfolk and Norwich University Hospital and Addenbrooke’s Hospital in Cambridge. Patient and Public Engagement lead for CHARMER, Katherine Murphy, said: “We are working with hospitals and GP organisations across England to see whether the new strategy works, helps people, causes no harm, and is good value for the NHS. “And for this trial to be meaningful to people, we need to make sure that we look at the things that matter to them when testing whether stopping a medicine has had a positive outcome.” The research team recently surveyed 200 people including patients, informal carers, doctors, nurses, pharmacists, physiotherapists and researchers to find out what they should look at in the trial. On reviewing the results Katherine Murphy said: “It was good to see that what people really want us to look at is whether patients can do the things that they want to do, not how much patients can do. “Being able to walk up a flight of stairs, for example, may be important to some patients but not to others. We need to make sure that medicines are prescribed that support people to get the best quality of life. In the trial, we also need to make sure that the way that we stop risky medicines causes no harm and is good value for the NHS.” For more information about the CHARMER study visit https://www.uea.ac.uk/web/groups-and-centres/charmer/about-the-research The research has been funded by the National Institute of Health and Social Care research.

Indebted Chinese Real Estate Developer Could Become Systemic Risk

Recent speculation surrounding the property developer China Evergrande Group caused the S&P 500 to have its worst day since May. But what we should look out for is systemic risk, according to John Sedunov, PhD, associate professor of finance at Villanova University. Evergrande currently has the biggest debt out of all publicly traded real-estate management or development companies. “The big issue seems to be Evergrande’s ability to repay its debt. The bigger issue is a potential for systemic crises or contagion to unfold,” said Dr. Sedunov. Another possibility is that Beijing could allow Evergrande to default. “Evergrande is a large Chinese developer, and the Chinese government may allow it to fail. It owes a lot of money to financial institutions and other market participants,” says Dr. Sedunov. With these risks, assets were moved from stocks, oil and Bitcoin to much safer options. “What’s potentially at stake is a contagion event where institutions with large exposure to Evergrande experience distress or fail as a result of lost cash flows they are expecting from Evergrande. This scenario is exacerbated if the company is allowed to fail,” said Dr. Sedunov. Does this present any other future concerns? Per Dr. Sedunov, Evergrande’s collapse could also impact the housing market. “More at issue is also that the real estate sector in China looks to be quite overheated (and it may be here as well), and this could be a signal of a collapse in real estate values, which again can bleed back into the financial system,” he said.

Bye-bye Bonnie and Clyde – Brazil is taking bank robbing to a whole new level

The media coverage reads like a scene out of a Michael Bay movie. Bank robbers using drones, strategically planting bombs across the city and taking hostages and placing them atop getaway cars. It’s surreal … but in Brazil, over the top bank heists are becoming the new normal. And the media are looking for experts to try and explain just what it is going on. That’s why the Daily Beast recently contacted Georgia Southern’s expert on Latin America, José de Arimatéia da Cruz, Ph.D. In the predawn darkness last Monday, a group of about 20 heavily armed commandos seized control of the downtown financial block in Araçatuba, a mid-sized Brazilian city in the eastern state of São Paulo. They then proceeded to rob three banks, while the surveillance drones they had deployed kept watch over head. When the heist was complete they accosted several bystanders, shot a man who had been filming them on his phone, and then bound the hostages they’d taken to the tops of their getaway vehicles so as to dissuade police from interfering with their escape…. Since 2015 these kinds of attacks have become so common that Brazilians even have a name for them: Novo Cangaço, which roughly translates into English as “New Struggle.” The name refers to a “social banditry” movement that flourished in Brazil’s hardscrabble northeast in the late 19th and early 20th centuries. The original Cangaço sought to battle back against widespread poverty and inequality. It involved Robin-Hood like figures who plagued wealthy landowners, donated to the poor, and pushed the government to jumpstart economic reforms. “The New Cangaço’s modus operandi is similar” to that of their predecessors, José de Arimatéia da Cruz , Ph.D., told The Daily Beast. The tactics might be alike, but the strategy between the old and new incarnations are quite different, according to da Cruz, who is originally from Brazil but now teaches international relations at Georgia Southern University. “The difference today is that the traditional cangaceiros [peasant bandits] were fighting against politicians. The Novo Cangaço today are attacking banks and are most basically interested in money for different purposes.” This is a sensational chain of events – and if you are a reporter covering these escalating crimes in Brazil – then let us help with your stories. José de Arimatéia da Cruz is available to speak with media regarding this topic — simply reach out to Georgia Southern Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.

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.

How to build a good credit score from scratch as a newcomer in Canada

Having a credit rating or a credit score is essential for life in Canada. A good credit score can ensure you qualify for better interest rates on mortgages and other loans down the line. To get started with building your credit history, having and using a credit card is essential. In this article, we will outline what a credit score is, share valuable tips to help you build a good credit history as a newcomer in Canada, and provide information on how to check your credit score and order a credit report. What is a credit score? When you borrow money from a bank (or lender), certain information is shared with a credit bureau. Over time, additional information, such as whether you’ve paid your bills on time, whether you’ve missed payments, and how much debt you have outstanding, will get shared with the credit bureau. These factors go into calculating your credit score – a three-digit number that indicates to lenders your capacity to repay a loan – as reported on your credit rating report. Credit scores range from – 300: The lowest score or the starting point; to 750: The magic middle number, which will likely qualify you for a standard loan; all the way up to 900: The highest score awarded for excellent credit history. The higher your score, the lower the risk is to the bank, and vice versa. A score under 750 will likely make it more difficult to acquire loans or credit cards – you may receive a lower credit limit and get charged higher interest rates. For newcomers to Canada, however, most banks offer a credit card when you open a newcomer account with them – this usually suffices to get you started on your journey of building a good credit history in Canada. Learn more about credit scores in Canada See Credit in Canada: What every newcomer needs to know for information on the different types of credit in Canada. Get insights on the factors that affect your credit score, understand why building a good credit history is important, and dive into how a credit score is calculated. Who can see and use your credit report? Credit bureaus follow rules that define who can see your credit report and how they can use it. Those allowed to see your credit report include: banks, credit unions and other financial institutions, credit card companies, car leasing companies, retailers, mobile phone companies, insurance companies, governments, employers, and landlords. These businesses or individuals use your credit report to help them inform lending decisions about you. Generally, you need to give permission or your consent, for a business or individual to access your credit report. In the provinces of Nova Scotia, Prince Edward Island and Saskatchewan, a business or an individual only needs to tell you (verbally) that they are checking your credit report. Other provinces require they obtain your written consent to check your credit report. Some provincial laws allow government representatives such as judges and the police to see parts of your credit report without your consent. 5 tips to build a good credit score 1. Make payments on time and pay off your balance in full each month When lenders review your credit report and request to see your credit score, they want to know how reliable you are with paying your bills – because usually, past payment performance is considered a good predictor of future performance. To build a good credit history, it’s important to make all your payments on time. While your credit card bill will always indicate the minimum amount owed, as someone just getting started with building credit in Canada, it’s best to pay off the balance in full each billing cycle. Paying the entire balance each month also helps you avoid racking up credit card debt. 2. Use credit wisely Always stay within your credit limit. If you have a credit card with a $2,000 CAD limit, try to not go over that limit. You should spend only what you can afford to pay back. Spending more than the authorized amount on a credit card can lower your credit score. As a rule of thumb, try to use less than 35 per cent of your total credit in each billing cycle. This includes all your credit products such as: line of credit, credit card from Canadian banks/lenders, loans, etc. For example, if you have a credit card with a $2,000 CAD limit and a $5,000 CAD line of credit from a bank, you should limit your total spending to approximately $2,450 CAD (35 per cent of 7,000) or less, while also maintaining the 35 per cent rule (in this case, $700 CAD) specifically for your credit card. Tip: Start small – use your credit card for groceries, monthly utility payments, phone bills, etc. Over time, this will help you build a strong credit history. If you max out your credit limit each month, lenders perceive you to be a greater risk. This holds true even if you pay your balance in full by the due date. 3. Limit your number of credit applications and/or credit checks As you settle in Canada, it is normal and expected that you’ll apply for credit from time to time. A lender or other organization offering credit-based products may ask to “check your credit” or “pull your report”. When they do so, they are asking to access your credit report at the credit bureau. This results in an inquiry in your credit report. Tip: To build a good credit history faster, it is recommended that newcomers to Canada start off with a single credit card (avoid holding multiple credit cards) and keep paying the balance in full. There are two types of credit checks: hard hits and soft hits. Hard hits: These are credit checks that will appear in your credit report and can impact your credit score. Anyone who views your credit report will see these inquiries. Examples include an application for a credit card or mortgage, some rental applications, and some employment applications. If there are too many (hard) credit checks in your credit report, lenders may think that you’re urgently seeking credit and/or trying to live beyond your means. Soft hits: These are credit checks that appear in your credit report but only you can see them. These checks do not affect your credit score in any way. Examples include requesting your own credit report or businesses asking for your credit score to update their records about an existing account you have with them. To control the number of credit checks in your report: Limit the number of times you apply for credit; When shopping around for a car or a mortgage, get your quotes from different lenders within a two-week period. Your inquiries will be combined and treated as a single inquiry for your credit score; Apply for credit only when you really need it. 4. Report any inaccuracies on your credit report Once you get your report, check for: Errors in credit card and loan accounts, such as a payment you made on time that is shown as late – this could impact your credit score negatively; Mistakes in your personal information, such as a wrong mailing address or incorrect date of birth; Accounts listed that you never opened, which could be a sign of identity theft; Negative information about your accounts that is still listed after the maximum number of years it’s allowed to stay on your report. Any inconsistencies or incidents of fraud should be reported to the respective credit bureaus without any delay and get it corrected. Monitoring your credit on a regular basis can help you spot inaccuracies before they impact your credit rating. Note: A credit bureau can’t change accurate information related to a credit account on your report. For example, if you missed payments on a credit card, paying the debt in full or closing the account won’t remove the negative history. 5. Use different types of credit: card, loan, line of credit The number of credit products you have (such as a credit card, line of credit, loans, etc.) affects your credit score. For newcomers to Canada, it is recommended to start off with a single credit card and gradually apply for other credit products at a later stage. As you become more established in Canada, diversifying your credit and having a mix of credit products may improve your credit score. However, make sure you can pay back any money you borrow, otherwise, you could end up hurting your score by taking on too much debt. How to check your credit score 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. You can check your credit score in the following ways: 1. Through credit bureaus: 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. Your credit score on each credit bureau may slightly differ as each organization may consider different factors while calculating your credit score. Equifax refers to your credit report as “credit file disclosure” while TransUnion refers to it as “consumer disclosure”. Remember: Ordering your own credit report has no effect on your credit score. 2. Through select banks: If you have an account with the Royal Bank of Canada (RBC), you can view your credit score for free, anytime, through online banking. 3. Through third-party companies: Some companies offer to provide your credit score for free. Others may ask you to sign up for a paid service to see your score. Make sure you do your research before providing a company with your information. Carefully read the terms of use and privacy policy to know how your personal information will be used and stored. For example, find out if your information will be sold to a third party. This could result in you receiving unexpected offers for products and services. Beware of fraudsters who offer free credit scores in an attempt to get you to share your personal and financial information. Tips: Consider requesting your report from one bureau/company, then wait six months before you order from the other organization. By spacing out your requests, you may be able to detect problems sooner. Always check to see if a website is secured before providing any of your personal information. A secured website will start with “https” instead of “http.” How to order a credit report in Canada You can get a physical or a virtual copy of your credit report. A physical copy may take some time to be delivered to you while a virtual copy can be obtained immediately. You usually need to pay a fee when you order your credit score online from the two credit bureaus: TransUnion and Equifax. Tip: TransUnion allows you to order your credit report online once a month for free. Note: A free credit report is only available as a physical copy and cannot be ordered online; separate processes exist for both Equifax and TransUnion. You must place your order by phone, mail or fax. How long does information stay on your credit report? Positive information in your credit report stays indefinitely, from the time the report was created. Negative information (that affects your credit score) such as late payments or defaults generally stays on your credit report for six years. However, some information may remain for a shorter or longer period of time. Learn more about the timelines for specific cases on the Financial Consumer Agency of Canada website. Credit is essential to life in Canada and building a good credit history takes time, so, be patient. Being aware of factors that affect your credit rating can help you make better financial choices. Original article located here, published by Arrive.

Your First Week as an International Student in Canada

Canada is one of the world’s leading study destinations, due to its high quality of education, diverse culture, and overall quality of life. Each year, the country welcomes thousands of international students and sets them on a path to academic and personal success. Whether you have just started researching options on where to study or have already been accepted into a Canadian university of your choice, this article will serve as a handy guide for what to expect during your first week in Canada as an international student. In this article: Getting settled in Following quarantine protocol Financial basics for international students Registration at your university Familiarizing yourself with the neighbourhood and campus Getting connected Understanding student life Getting settled in Once you’ve completed your landing formalities at the airport, you are ready to get started on your exciting journey as an international student in Canada. The first item on your agenda will be getting settled into your new accommodation or temporary quarantine location. You can use ride-sharing services like Uber or Lyft or ask a friend or relative to pick you up at the airport and take you to your accommodation. Note: Due to quarantine restrictions, all international travellers landing in Canada are required by law to go directly to their accommodation or quarantine location, without making any stops on the way. As an international student, you will need to secure accommodation (at least on a temporary basis) prior to your arrival in Canada. You can choose to live either on- or off-campus, depending on your budget and requirements. If you haven’t been able to secure accommodation on-campus, there are plenty of other housing options available for international students. Following quarantine protocol The Canadian government has recently eased border restrictions for fully vaccinated travellers, including international students. All international students, regardless of vaccination status, must have a quarantine plan in place and need to follow quarantine protocol as per the Government of Canada ArriveCAN app (this is unrelated to the Arrive app for newcomers). Fully vaccinated students are now exempt from most mandatory quarantine requirements. However, in addition to the pre-arrival COVID-19 (Coronavirus) test, you will also be required to take another COVID test upon arrival in Canada and must quarantine until a negative test result is received. International students who are NOT fully vaccinated will be required to: Take a COVID test immediately after arrival, Book a three-day stay at a government-approved hotel, where they must remain in quarantine until they obtain a negative result to their first post-arrival COVID test. You may leave the hotel as soon as the result comes in, without having to wait the full three days, and go to your personal quarantine location. Get a second post-arrival COVID test on day 8 before exiting their quarantine on day 15. Tip: Your Designated Learning Institution (DLI) may have a quarantine protocol in place for international students. Before arranging short-term accommodation for your first few days in Canada, check if your DLI will be making quarantine arrangements in an on-campus dorm. Financial basics for international students As an international student in Canada, there are some essential financial basics you will need to complete in your first few days here. You might be able to begin some of these tasks during your quarantine period to get a head start on your checklist. Obtaining a SIN If you plan to work part-time while you study in Canada, you will require a Social Insurance Number (SIN). Depending on the airport you land in and your time of arrival, you may be able to get your SIN at the airport. If you are unable to obtain a SIN at the airport, you have the option to apply online or by mail. Opening a bank account Use your quarantine period to explore the different banking options and offers available for international students. As an international student, you want a trusted partner who understands your banking needs and is committed to newcomer success. Some banks (like RBC) are currently allowing international students to open student bank accounts remotely while in quarantine. To open a student bank account with RBC, you will require the following documents: Your passport Student permit (IMM 1442) or Temporary Resident Visa (TRV) Proof of enrollment (optional, good-to-have) Social Insurance Number (SIN) or proof of residence (optional, good-to-have) Information: Book an appointment with an RBC Advisor to get answers to your questions about student banking, and to learn more about opening an RBC student bank account remotely while in quarantine. Getting a credit card Having a good credit score is essential for financial success in Canada. As an international student, you may need a credit score for accommodation rental or lease application, or a car loan. Getting a credit card is your first step towards building a good credit history in Canada. Credit cards are a convenient option for making payments, without having to carry cash. Unlike a debit card, a credit card allows you to make purchases first and pay later. However, credit cards typically have very high interest rates, and late payments can result in high penalties. Make sure you speak with your banking advisor to have a good understanding of how your credit card works before signing your contract. You can gradually build your credit history by paying off your credit card bills on-time and in full. Creating a budget A good budget can help you plan your expenses, save money for the future, and prevent financial worries as you study in Canada. As an international student, your biggest expense aside from tuition fees will likely be accommodation. In addition, you will also need to budget for utilities, transportation, food, groceries, phone and internet expenses, furniture, insurance, and entertainment. It is also a good practice to set aside a small sum each month for emergency expenses. Tip: The cost of living in Canada may be very different compared to your home country. The Arrive Monthly Expenses Calculator can help you estimate and plan your monthly budget in Canada. Registration at your university With quarantine and social distancing considerations in place, the registration and course enrollment process at your university might be fully or partially virtual. Check your university website or contact your university to get information about your semester timetable, the dates and process for class registration, and getting a student card. You can also sign up for the International Student Identity Card (ISIC) for special discounts from featured partners in Canada. Many universities in Canada are offering a mix of virtual and in-person classes, and your class schedule may vary depending on the course you’ve enrolled in. Sign up for orientation classes to prepare for your academic journey. Familiarizing yourself with the neighbourhood and campus You will likely be spending a lot of time in and around your campus. Walk around your campus and new neighbourhood (if you are living off-campus) to familiarize yourself with the area. Review your campus map or ask around to locate the gym, health services, library, dining hall, class buildings, restaurants, and grocery stores. Don’t hesitate to check if the stores or restaurants you visit offer discounts to students. Most cities in Canada have an extensive public transportation network. Whether you plan to commute to campus or explore the neighbourhood, the public transit system can be a convenient way of getting around. Learn about the transit system in your city, get a transit pass, and start exploring. Information: Get to know more about public transportation in key Canadian cities through our Getting Around article series for Toronto, Ottawa, Edmonton, Montreal, Calgary, Vancouver, and Winnipeg. Getting connected With “virtual” becoming the norm in student life, staying connected to your friends, family, and university will likely be on your list of essentials. In Canada, you have the option of choosing between a pay-as-you-go (prepaid) or postpaid phone plan. However, since postpaid plans typically require a credit check, most international students start with a prepaid phone service. Some carriers also allow you to purchase a prepaid SIM card online and have it delivered to your address. International students living on-campus typically have internet access through their local Wi-Fi network. If you are living off-campus, you may need to sign up for an internet service. The cost of a monthly internet plan typically ranges between $50 to $80 CAD, depending on the provider and plan. Do your research on comparative costs, offers, and typical usage limits, before selecting a phone and internet provider. Understanding student life Student life in Canada is about more than just academic success. Take the time to meet your new classmates, either in-person or virtually, to forge new connections and friendships. Many universities have on-campus student groups where you might find people with similar interests or backgrounds. Most academic institutions will be offering a mix of virtual and in-person classes in the coming semesters. Use your first week to ensure that you’re all set up for online learning, technology-wise, to avoid interruptions in classes later. Once you have your course timetable, keep your schedule in mind while planning extracurricular activities, such as socializing, sports, exercising, exploring the city, or working part-time. Working part-time can not only bring in extra income but can also help you build skills, grow your network, and explore future career opportunities. If your study permit allows you to work part-time as an international student, evaluate how many hours you might reasonably be able to work, without impacting your academic success. Your first week as an international student in Canada may seem overwhelming at first as you get the basics in place. But with some prior research and planning, you will be able to settle into your new schedule, make the most of your student life, and set yourself up for long-term success. The Arrive mobile app is your essential companion to prepare for and navigate life as an international student in Canada. Whether you’re just exploring study options in Canada or are getting ready for your move, you’ll get the information and resources you need, when you need them, all in one place. Original article located here, published by Arrive.

Working while studying in Canada: What you need to know

Working during your studies in Canada can be a great way for international students to gain experience, make new connections in Canada, and earn extra money to pay the bills (or treat yourself to something special!). However, there are some restrictions on who can work while studying in Canada and what types of work they can do. Here’s what you need to know before you start your job search. Who can work while studying in Canada It’s important to make sure you qualify to work while studying in Canada before starting a job because, if you do so without qualifying, you could be asked to leave Canada. Your study permit will include information about whether you’re able to work on- or off-campus. International students can work on-campus without a work permit if they meet all of these requirements. (Note that you must stop working on campus the exact day your full-time study ends.) 1. You are a full-time post-secondary student at either: a public post-secondary school, a private college-level school in Quebec that’s at least 50 per cent funded by government grants, or a Canadian private school that can legally award degrees under provincial law. 2. You have a valid study permit. 3. You have a Social Insurance Number (SIN) International students can work off-campus without a work permit if they meet all the following requirements. (Note that you can only start work in Canada once your study program officially begins.) You’re a full-time student at a Designated Learning Institution (DLI) You’re enrolled in either a post-secondary professional, vocational, or professional training program or a secondary-level vocational training program (Quebec only) You’re in a study program that’s at least six months long and leads to a degree, diploma, or certificate You’ve already started studying You have a Social Insurance Number (SIN) If you’re a part-time student, you must meet all of the above requirements and only be studying part-time because you’re in the last semester of your program and don’t need a full course load to complete it. Types of work permitted On-campus work On-campus work means any jobs located in the buildings on your school campus. If your school has more than one campus, you can normally only work on the campus you study at. You can, however, work at other locations if you’re a teaching or research assistant, or if your work is related to a research grant. An on-campus employer can be your school, a faculty member, a student organization, a private contractor that provides on-site services, or even yourself if you run a business that’s physically located on campus. There is no limit to the number of hours you can work on campus. You can learn more about working on-campus here. Off-campus work If you meet all of the requirements for off-campus work, you may work up to 20 hours a week during regular school terms/semesters. During school breaks, such as winter or summer holidays, you’re free to work overtime or take two part-time jobs that add up to a higher than usual number of hours. Note you have to be a full-time student both before and after a break to qualify. This means the summer breaks before and after your study term are not included. You can find more information about off-campus work here. Internships and co-op placements Some study programs include work experience as part of their curriculum. If this applies to your program, you can apply for a co-op or intern work permit as long as you meet these requirements: You have a valid study permit Work is required to complete your program of study in Canada You have a letter from your school that confirms all students in your program need to complete work placements to earn their degree Your co-op or internship makes up less than 50 per cent or less of your study program During COVID, the Canadian government has made some exceptions for remote co-ops and internships. You can learn more about these here. Tips for working while studying in Canada Plan your schedule well. Between work and school, it can be easy to overcommit yourself– especially in your first year of study. It may be best to give yourself some time to adjust to your new schedule before seeking out additional work. Look for opportunities aligned with your field of study or ones that allow you to develop new skills (such as improving your English or French!). Jobs can have more benefits than just making money. Take this opportunity to learn outside the classroom and even make some valuable connections in your field. Consider future employment prospects with your employer. Canadian companies often offer full-time jobs to former interns or employees they’ve already worked with on a part-time basis. Use your co-op or part-time gig as a chance to get your foot in the door. Network in the workplace and ask your manager to give you a referral on LinkedIn to show future employers you’re a valuable asset to their team. In Canada, many positions are filled through recruiters networks, so building your network will be key to hearing about job opportunities. Take this opportunity to meet others in your field. Even if they don’t end up hiring you down the road, they may know someone else looking to fill a position. Be proactive. Don’t be afraid to ask your manager for additional opportunities or express your interest in working on a particular project. If you don’t ask, you don’t get! Ask for help when you need it. Canadian companies tend to be very team-oriented and encourage employees to ask for help when they need it. Asking a colleague or manager for help can be a learning and networking opportunity. Working while studying in Canada is a great way to make the most of your study permit. Finding the right job, internship, or co-op placement gives you an opportunity to learn new skills, make valuable connections, and further define your future career goals. Get access to more career resources and tips for international students by downloading the Arrive app. Original full article located here, published with edits by Arrive.

Aston University graduates among highest paid in the country, new data reveals

"We continue to regularly meet with industry to ensure that the content of our courses meets the needs of the labour market, which is reflected in these findings." Saskia Loer Hansen, Deputy Vice-Chancellor Engagement Median earnings of employed Aston University graduates are £33,400 five years after graduation - the 20th largest in the UK Range of subject disciplines offered at Aston University have high median salaries Graduates from allied health subjects had the 5th largest median salary five years after graduation at £37,200. Graduates of Aston University are among the highest paid in the country five years after graduating, according to new data released by the Department for Education. The 2021 Longitudinal Education Outcomes (LEO) data shows that employed Aston University graduates have the 20th largest median salary overall five years after graduation at £33,400, compared with £24,900 sector average Subject level data in the LEO reveals that graduates from allied health subjects at Aston University had the fifth-largest median salary five years after graduation at £37,200, which is over £11,000 more than the sector average. It’s also good news for sociology and social policy graduates, with the median earnings in those subjects at £32,500 five years after graduation, the fourth largest in the country. Graduates from the materials and technology courses at Aston University earn a median salary of £42,000 five years after graduation which reflects the performance of the University’s logistics graduates. Speaking on the LEO data, Saskia Loer Hansen, Deputy Vice-Chancellor Engagement at Aston University, said: “We are delighted to see this recognition that our graduates are highly employable and go on to secure fulfilling and well-paid jobs once they have graduated. “It is fantastic to see the University appearing in the top 20 when it comes to median salaries five years after graduating, with an increase of £200 compared to last year’s results. “This is the 5th year of LEO and Aston University has always fared well and is among the top 20 largest median salaries five years after graduation for the 2nd year in a row. “We continue to regularly meet with industry to ensure that the content of our courses meets the needs of the labour market, which is reflected in these findings. It once again shows Aston University offers great value for money when it comes to employability. “We also work hard to ensure that students have a positive learning experience when they study with us and I am confident that the quality of this experience contributes to the great longer-term employment outcomes for Aston University graduates as measured by LEO.” The LEO analysis also shows that the University’s new graduates quickly earn good incomes with a median salary of £23,000 one year after the end of their courses, which is £4,400 higher than the sector average of £18,600.

Crossing Space and Time at Japan Society's 2021 Annual Dinner

On June 22, Japan Society celebrated its 2021 Annual Dinner, raising over $1.3 million to take us into the next year and beyond. It was—literally and virtually—a star-studded evening at the intersection of science, art, culture, business, and the U.S.-Japan alliance. After a special message from Japanese Prime Minister Yoshihide Suga, the program included a conversation between former JAXA astronaut Naoko Yamazaki, the second Japanese woman to fly in space, and Ambassador Caroline Kennedy—marking the 60th anniversary of President Kennedy's Moonshot Address, followed by a performance from Japan's Ryoma Quartet. The keynote Fireside Chat brought together two titans of industry, our very own Chairman Joseph Perella, Chairman Emeritus, Perella Weinberg Partners and private equity pioneer Henry Kravis, Co-Chairman and Co-CEO of KKR—also the recipient of this year's Japan Society Award. Mr. Kravis underscored the value of investing in long-term relationships throughout his talk with Mr. Perella, noting, "You have to be patient. You have to set your mission. You have to have a focus on ESG (environmental, social, and governance). Any company today that is not focusing on their ESG and on diversity of their workforce is not going to have much of a future. Today, it's not all about making money. That's a part of it. But it's also very important to ask, 'What are you doing for society, what are you doing to help your country?'" In her conversation with astronaut Naoko Yamazaki, Ambassador Caroline Kennedy cited her father's famous Moonshot Address at Rice University in 1962: "We choose to go to the Moon in this decade and do the other things, not because they are easy, but because they are hard, because that goal will serve to organize and measure the best of our energies and skills, because that challenge is one that we are willing to accept, one we are unwilling to postpone, and one which we intend to win, and the others, too." Yamazaki, who is working to inspire the next generation in aerospace, among other initiatives, is "thrilled to be able to witness the Artemis Program, which is sending the first woman and the first person of color to the moon, with international cooperation. Japan is in charge of the cargo transfer to the Lunar Gateway, the station [that will orbit the moon], and also Toyota and JAXA are developing a pressurized lunar rover to explore the surface of the moon." For Japan Society, the next 50 years will be our own Moonshot, as we move forward into a new post-pandemic inflection point—a significant reopening full of energy and excitement this fall that embodies the best of American and Japanese spirit. It's time to reach beyond the physical space of our landmarked building, which opened to the public 50 years ago in September 1971, re-imagining our enduring mission of connecting American and Japanese people, cultures, and societies across time and space for the next half century. Sixty years ago, President John F. Kennedy's Moonshot Address inspired a generation of Americans to look to the moon in the spirit of adventure, patriotism, and freedom. Today, under new leadership in the United States and Japan, Japan Society starts a new chapter in building our kizuna, our forward-facing energy and deeply interwoven connections, between New York and Japan – and beyond. How do we continue to inspire the next generation of leaders in U.S.-Japan relations? As we think about the next 50 years at Japan Society, much has changed, yet many of the foundations remain the same from our starting point 114 years ago. There's a lot to look forward to as we celebrate significant milestones in 2021-22 and beyond. As Mr. Kravis said, in order to grow and to survive, "You have to keep innovating, you have to keep moving." Japan Society is a convener for the future. With your support, we, too, will overcome the tough challenges facing this world and the U.S.-Japan alliance, together. See you at Japan House and on the far side of the moon! If you missed out on our 2020-21 season, below are some of the highlights. Stay tuned for more exciting events coming this summer and fall, in person and online! Published on June 22, 2021 on Japan Society’s new Watch & Read page.