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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.
MEDIA RELEASE: CAA poll finds more than half of Ontarians admit to driving dangerously
A recent survey conducted on behalf of CAA South Central Ontario (CAA SCO) indicates that 55 per cent of Ontario drivers admit to engaging in unsafe driving, while 95 per cent say they have witnessed dangerous driving from other motorists. Some of the most common dangerous driving behaviours over the last year include speeding, distracted driving, unsafely changing lanes and aggressive driving. The survey also identified that many motorists in the province are unaware that some of these dangerous driving behaviours are considered stunt driving. According to the survey, only 24 per cent of Ontario drivers are aware of all the offences that account for stunt driving. “Many motorists think stunt driving is just a combination of excessive speeding and doing reckless tricks, but it also includes aggressive behaviours such as road rage and weaving through traffic,” said Raymond Chan, manager of government relations at CAA SCO. “These reckless actions behind the wheel can have serious consequences and should never occur on our roads, especially in residential areas and community safety zones.” As of July 1, 2021, increased stunt driving penalties have been implemented in Ontario under the Moving Ontarians More Safely (MOMS) Act. Drivers will now face longer vehicle impoundments and may be charged with stunt driving when traveling in excess of 40km/h on roads where the posted speed limit is under 80km/h. As well those who drive 50km/h or more over the posted speed on roads where the speed limit is 80km/h or more, can result in stunt driving charges. Further penalties are expected to come into effect in Fall 2021, including longer licence suspensions and new escalating sanctions for repeat offenders. Of those surveyed, three quarters (74 per cent) agree that stricter penalties and increased fines for stunt driving would help discourage drivers from driving dangerously. “When you engage in stunt driving, it could cost you your driver’s licence, your car, and most importantly, your life or the lives of others,” said Chan. “As we continue to see increased pedestrian and cycling traffic during the summer months, our hope is that tougher penalties will curb driver’s impulse to drive dangerously and help contribute to safer roads for everyone.” The poll, commissioned by CAA SCO and conducted by Campaign Research between March 15th to 22nd, 2021, surveyed 1,504 Ontarians that hold a valid driver’s licence through online surveys. A probabilistic sample of a similar size would have a margin of error of plus or minus 2.5%, 19 times out of 20.
Over 2850 people supported by eye health education and vision screening delivered by Villa Vision
“Aston University and Aston Villa Foundation have a strong social purpose and the successful delivery of Villa Vision in our local schools demonstrates this perfectly. Eyesight problems shouldn’t hold any child back.” Jack Dromey, MP for Birmingham, Erdington The Villa Vision initiative is raising awareness of the importance of eye health to children in schools and individuals in local community setting It is a joint project between the Aston Villa Foundation, Aston University’s Optometry School and optical lens supplier Essilor Vision for Life Jack Dromey, MP for Birmingham Erdington, visited Aston University campus to learn more about it Jack Dromey, MP for Birmingham Erdington, visited Aston University campus on Friday July 23 to learn about a unique initiative to deliver good eye health to communities in Birmingham. Villa Vision, a joint project between the Aston Villa Foundation, Aston University’s Optometry School and optical lens supplier Essilor Vision for Life, aims to benefit the local community through the provision of free eye care and to raise awareness of the importance of eye care for all. Pupils from the poorest backgrounds are more likely to suffer from uncorrected vision problems. Left untreated, vision problems may result in the need for more learning support at school and can lead to health and vision consequences in later life. Aston University worked alongside the Aston Villa Foundation and Citizens UK to listen to the local community, which identified that children and adults in the local area face a number of challenges when it comes to accessing eye care, including a lack of parental support, awareness, accessibility, language barriers and a misconception about cost. In addition, it has been shown that children from less affluent areas are nearly 30% less likely to have an eye test than children from more affluent areas, with this number significantly increasing among adults. Funded by the Premier League and the Professional Footballers’ Association (PFA), the project is designed to fill a crucial lack of knowledge surrounding the importance of having an eye test and how preventative measures can ensure, among a host of benefits, a lifetime of good vision. The Villa Vision team is delivering a programme of eye-health awareness lessons in the classroom, as well as free vision and colour vision screening, followed by a more comprehensive eye test and free glasses to those children who require them, using a fully operational custom-designed mobile eye care unit. So far, the initiative has engaged with over 1750 local children and adults through classroom workshops and have vision and colour vision screened around 1100 local primary aged children. Jack Dromey, MP for Birmingham, Erdington, said: “Aston University and Aston Villa Foundation have a strong social purpose and the successful delivery of Villa Vision in our local schools demonstrates this perfectly. Eyesight problems shouldn’t hold any child back.” “Poor vision can often go unnoticed, particularly amongst children so Villa Vision will provide the opportunity for children to have a free vision screening check at school. In addition to this, for those children requiring further investigation the initiative will also provide a full eye examination and glasses if required for free using a fully equipped mobile eyecare unit.” Nikhil Sonpal, Villa Vision project manager and optometrist said: “Children may not always recognise whether there is something wrong with their vision and it is particularly damaging if vision problems go undetected. “We understand that, particularly in more deprived communities, many children and adults may face a number of significant challenges and barriers when it comes to accessing eye care services,” Mr Sonpal added. Dr Angela Jeffery, director of regional strategy at Aston University, said: “Engaging with communities on Villa Vision has provided insights into the challenges local people face and helped to shape Aston University’s Civic Agreement.” “Our approach to public engagement draws on innovative community-facing activities across the University and we are constantly developing new and exciting ways of engaging with the public and look to the diverse communities around us to contribute, collaborate and coproduce initiatives with us.” Professor Leon Davies, professor of optometry and physiological optics and head of the School of Optometry at Aston University said: “We are delighted to be working with Aston Villa and Essilor to share our clinical and research expertise in providing evidence-based eye care. “Designed for our region, Villa Vision will benefit our local community through the provision of free eye care and by raising awareness of the importance of eye health for all.”
It's breaking news that has taken the sports and gymnastics world by storm - Simone Biles who won four golds and one bronze medal at the 2016 Summer Games and is considered the greatest gymnast of all time removed herself from competition Tuesday. After a vault that saw her go flying forward on what’s normally her strongest apparatus, the top gymnast in the world appeared on the sidelines in her warmup gear. The initial reporting from Tokyo cited USA Gymnastics as saying she’d withdrawn due to a “medical issue.” Later, after the Americans had taken home the silver medal, Biles clarified that it wasn’t a physical injury that had made her withdraw — it was her mental state. "Physically, I feel good. I'm in shape," Biles said on NBC's "TODAY" show. "Emotionally, it varies on the time and moment. Coming to the Olympics and being head star isn't an easy feat." July 25 - MSNBC There are a lot of questions about the mental health and the toll stress can take on athletes being asked - and if you are a reporter covering this breaking news event, our experts are here to help. Dan Gould is director of the Institute for the Study of Youth Sports and a professor of kinesiology. His research interests include the stress-athletic performance relationship and the psychological foundations of coaching. Dan is available to speak with media regardig this topic - simply click on his icon now to arrange an interview today.
How pandemic school closures left children behind
William Schmidt is a University Distinguished Professor and director of the Center for the Study of Curriculum Policy in the College of Education. The following faculty voice is edited for length and repurposed content from a story WalletHub ran titled “2021’s Most and Least Educated Cities in America.” Children have been robbed of over a year of the education to which they were entitled — negatively impacting the knowledge, skills and reasoning abilities that are critical in today’s society. Consider mathematics, a hierarchically structured language that has become critical in today’s technologically oriented and data-driven world. For example, a question we should ask is, “Will the absence of what is not covered in a normal year of 8th grade or covered incompletely or hurriedly due to the pandemic, prepare those students to take algebra or the appropriate next course that they normally would take?” Except for the most talented mathematics students, the answer is a resounding, “No.” This is likely true of other subject matters as well especially English (reading and writing), science and foreign languages. Parents, educators, society writ large, but especially policymakers must not only recognize and understand but more importantly must address this point. Such a discussion will precipitate political controversies and battles. Although uncomfortable, it is not an excuse for no action. The impact of this has and will hurt all children, but it will be especially disastrous for lower social-class children. The harm is not only to their academic preparation but also to their physical, social and emotional well-being. I can speak to this both as an academic and as a parent. When my daughter is asked, she responds, “I hate school. It is so boring and all I do are the exercises on the computer but don’t think I am learning anything.” Additionally, during the height of the pandemic her sports activities and social gatherings were also canceled. That negative attitude toward school coupled with the academic gaps now carries her into her first year of college. Recent research I have published shows that in the U.S., almost a third of the inequality in student performance between children with lower social-class backgrounds versus those with higher social-class backgrounds comes from the differences in what students are taught due to their social class. That disadvantage comes as the distribution of opportunities to learn is impacted by the inequitable distribution provided by schooling. The pandemic-related reduction in both the amount and the nature of the courses has only exacerbated those inequalities upon which learning is based. Aside from the obvious disadvantages associated with altering the mode of instruction, the reduction in the total hours of schooling and the cancellation of academic activities which affect all students, there were additional negative consequences that more severely affected lower-social class students. These include such examples as lack of computer access, lack of a strong digital connection, lack of parental guidance during school hours due to job responsibilities and the inability of poorer schools to provide alternative modes of instruction. Children from lower social-class families likely began the COVID-imposed break already well behind in the nature and amount of opportunities to learn afforded to them by schooling. That said, we will all feel the negative impact of the pandemic in both the short and long term, but none more so than school-aged children and especially those from lower social-class families. To not act on behalf of every child, is a symptom of moral indifference. William H. Schmidt is a University Distinguished Professor at Michigan State University and director of the Center for the Study of Curriculum Policy. He’s available to speak to journalists about the impact of COVID-19 on education in America – simply click on his icon now to arrange an interview today.
A photo speaks louder than words. That’s the proverbial premise behind the Savannah H.O.P.E. Photovoice Project, a visual, community-based research project led by Georgia Southern University researchers that helps identify social, cultural and physical barriers that Black mothers in Chatham County face while breastfeeding. The project won a 2021 Health Innovation Award from Healthy Savannah. As part of a Centers for Disease Control and Prevention’s $3.4 million grant, Healthy Opportunities Powering Equity (H.O.P.E.), the localized project allows those who seldom have the chance to voice their concerns share their experiences with the hope of creating social change. Double Eagle Christina Cook (’16,’19) has assisted Savannah H.O.P.E. Photovoice Project lead Nandi Marshall, DrPH, associate professor in the Jiann-Ping Hsu College of Public Health (JPHCOPH) and associate dean of Academic Affairs, for the last three years. First serving as the JPHCOPH graduate assistant while completing a master’s in public health and now as Marshall’s graduate assistant in the public health doctoral program, Cook has taken pride in helping others amplify their voices. In turn, she found her own. “Personally, what this has done for me is solidify my direction,” said Cook. “As someone who likes to navigate a lot of different paths, and someone who is an intuitive and does-this-feel-right type of person, doing the work has really led me down the path of what I want to do because I am very committed to a sense of justice.” The photovoice method, a groundbreaking visual research methodology that empowers marginalized individuals to document their experiences and communicate their concerns, was utilized, as participants captured images that represent local breastfeeding barriers. Some snapped shots in corporate settings and public areas without access to breastfeeding areas, while others hinted at a lack of family support or pushback based on cultural norms, captured with photos in familial surroundings. “A lot of them are physical barriers,” said Cook. “There is just not a space available. It was really surprising. Even in churches, one of the moms said that whenever she would go to church the only place for her to go was the bathroom. Or someone was ushered into the office to nurse there. “The other ones have been sociocultural like this is something that Black people don’t do or what family members would say. Or going into a public park and people just staring at the moms while they breastfed.” Sessions facilitated by Cook and Marshall allowed participants to talk about the photos, their perspectives and ideas for change with one another to help guide resolutions to overcome barriers for improved local breastfeeding equity. Marshall praised Cook’s integral role in the project. “She is by far an essential team member,” said Marshall. “Her involvement in community-based, participatory research allows her to implement her classroom knowledge while building on skills that will allow her to continue the work of achieving health equity when she graduates. Truly understanding how to engage communities and ensure they not only feel supported but cared for, is a skill that can’t be taught in the classroom. It comes from showing up, by being authentic, being present and keeping the needs of the community in the forefront. Christina continues to show up time and time again. She has proven to be invaluable and a tremendous asset in improving the health outcomes of the communities we work with.” If you are a journalist looking to learn more about the Savannah H.O.P.E. Photovoice Project led by Georgia Southern University and would like to connect with Double Eagle Christina Cook or Nandi Marshal - then let us help. Simply contact Georgia Southern Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Athletes spend years preparing for the Olympic tracks and fields, but their performance may also depend on how they adapt and overcome the pressure cooker of summer heat in Tokyo. July temperatures are topping 90 degrees Fahrenheit this year, with humidity coming in close to 88 percent. That’s hot. In fact, the last time Tokyo hosted the Summer Games, they took place in October so that athletes could compete in relative comfort. But these Games are different, and UConn experts are helping to prepare America’s elite athletes for premier competition while the mercury soars. NBC News recently featured how Dr. Douglas Casa and his team at UConn’s Korey Stringer Institute are getting America’s athletes ready. If you’re a journalist looking to learn more about these techniques and the critical importance of being prepared to compete in adverse weather conditions, then let our experts help. Dr. Casa is a professor of kinesiology and the CEO of the Korey Stringer Institute at UConn – the institute was established in honor of the Minnesota Vikings offensive lineman Korey Stringer, who passed away from exertional heat stroke in 2001. An expert on athletic training, heat illness, and hydration, Dr. Casa is available to speak with media about this topic. Simply click on his icon now to arrange an interview today.
