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Moving to Canada from India is a big transition for most new immigrants. There are many cultural and societal differences between the two countries. So, it’s important for newcomers to spend some time learning about what you can expect once you arrive.
The more you know about Canada and what to expect, the easier your transition will be. We’ve curated the top things you can expect when moving to Canada from India.
The country is actively seeking immigrants to call Canada home. The Government of Canada plans to bring over 1.2 million newcomers to the country as permanent residents by 2024. The country also has dozens of visa and immigration programs to help you enter. Some of the most common are:
As a permanent resident, you will have access to health care benefits. But all types of medical care are not free. There are certain health costs you will have to pay for. For example, you will not have to pay to see a family doctor or visit the emergency room. But, you will have to pay for prescription medication or elective procedures. You can offset these costs by purchasing private health insurance. This may also be offered through your employee benefits program at work.
Continuing your career at the same level when you move to Canada from India can be a challenge. Regardless of your professional credentials, they may not be recognized by companies in Canada. So you should carefully research your profession in Canada before you arrive. Because it can take years to get accreditation in Canada, especially if you work in a regulated profession. However, with solid research, you can learn what you require to work in Canada before you arrive. And this can save you time, money, and energy!
You can even take steps to transition your career well in advance of your move. This will help you with your job search when you arrive in Canada. Learn more about the importance of education evaluation and credential recognition before you arrive in Canada.
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The city you choose to call your new home can have a significant impact on your cost of living. Cities such as Toronto, Vancouver, Calgary, and Ottawa offer many opportunities, but they also have some of the highest cost of living rates in the country. This includes higher rent and housing prices, insurance, and food.
To get a sense of the cost of rental housing in cities across Canada, visit our Rentals for Newcomers site. Here you can get the most up-to-date rental housing costs. Our Rentals for Newcomers site is a practical and easy-to-navigate site to help you make an easier transition to life in Canada when it comes to finding housing! And you can even determine the average cost of rentals in each city. This is helpful since rental prices change often.
Driver’s licencing is a provincial jurisdiction. No province in Canada currently has a driver’s licence exchange program with India. Driving laws and rules are very different in Canada compared to India. Therefore, you will have to get a Canadian driver’s licence when you move to Canada from India. You will have to pass all licencing requirements in the province you reside in – including a knowledge and road test.
Canada experiences all four seasons – spring, summer, fall, and winter. The temperatures can vary significantly from up to 40 C and humid in the summer to frigid and more than -30 C with the windchill in the winter. Weather can go up and down and be very unpredictable at times. You will need clothing for all seasons. When you move to Canada from India, you’ll have to prepare to dress for winter.
Canada is not only a more expensive place to live than in India, but you will also have to pay tax on almost everything you buy. Taxes are used to fund many public programs in Canada. While you do not pay tax on essential food items, you will pay tax on clothing, consumer goods, energy, cars, and even your property. The tax rates vary by province.
Canada is one of the most culturally diverse nations in the world. It’s just one of the many reasons immigrants choose to come to Canada. People from all over the world of different ethnic origins, creeds, and religions call Canada home. It is a huge part of Canadian identity. And there are large Indian communities in many cities across the country. These communities can help you ease your transition.
It’s important to research as much as possible about Canada before you arrive. Despite what you may read, it will not quite be like your real-life experience. Use the above information to temper your expectations about what it is like to move to Canada. The more you know, the easier it will be to settle in Canada!
Looking for more information about living in Canada? Visit our resource page for free webinars, information, resources and more. We’ll help you to settle in Canada with confidence and ease!
Transferable job skills can open the door to a variety of career opportunities in Canada. People with a diverse skillset can take steps toward different job titles, industries and career paths. And transferable job skills are a vital asset for newcomers,
Moving to a new country often means a shift in your career. As a result, you may take on work in different fields when you first arrive. This could be because you need to acquire new certifications or pass licensing tests to work in your area of expertise in Canada. This can take some time. As a result, you may need to work in an unrelated job to supplement your income until you can resume your career in Canada.
Here we will define transferable skills, how to identify your skills and provide the most in-demand skills in Canada.
Transferable skills are abilities and attributes that you can use in a variety of situations and for different types of work. Most of these skills that you have developed over time through:
Transferable skills include hard skills and soft skills. Hard skills refer to your technical ability. Soft skills include skills such as communication, leadership, critical thinking, and interpersonal skills. While your hard skills are important, it’s your soft skills that help you stand out among other job applicants and succeed in your role. You can learn more about skills and behaviours that Canadians value from this Conference Board of Canada resource.
Everyone has transferable skills. What are yours? Consider your experience and identify the skills you used from your:
Use the list you come up with to search for jobs that call out these skills in the job description. This will help you determine if you are a good match for the role. Once you have a list, add these transferable skills to your Canadian style-resume and LinkedIn profile. This will help employers to search for those skills and find you!
Canadian employers value transferable skills. But it’s helpful if you can clearly explain how your transferable skills relate to the role you apply for. This is an advantage if you apply for a job that doesn’t directly relate to your professional background, but you have the skill set that would allow you to succeed.
Here are the most in-demand transferable job skills right now:
If you’re searching for a job, be sure to emphasize the transferable skills that employers are seeking. Highlight these skills on your resume and LinkedIn profile so employers can see your value.
Transferable job skills are important, especially if you plan to apply for other job titles and industries. Everyone has transferable skills, and taking the time to identify and develop them can open the door to new career opportunities in Canada.
Financial stability is vital for anyone who has recently arrived in Canada. Even if you have a strong financial standing in your home country, you must establish it in Canada. Applying for a credit card is one of the first and most effective steps to build your credit and give yourself a buffer.
Credit cards are a convenient payment option and they help establish your credit history. Paying off your credit card balance each month will help you build your credit score and qualify for larger loans and financial products in the future. This is important especially if you want to get a car loan or qualify for a mortgage.
Applying for a credit card can seem overwhelming, especially if you are a newcomer. You may not know how to apply, what information you need, or if you qualify. Here we will provide you with the information you need to apply for your first credit card in Canada.
You will need the following information to apply for a credit card:
Applying for multiple credit cards can affect your credit score. So, avoid applying for several cards to see which one accepts your application. You must assess your financial situation to know what type of card will best meet your needs.
Ask yourself:
Many types of credit cards offer unique benefits. Depending on your situation and financial needs, these card features may make sense for you:
Join us for an eye-opening session on how to build your financial future in Canada with confidence. This free webinar is hosted in partnership with Scotiabank, a trusted leader in newcomer banking. Together, we’ll guide you through how the Canadian banking system works and share free tools and strategies to help you plan, save, and invest wisely as a newcomer.
REGISTER FOR THE WEBINAROnce you have completed your research, you can complete your credit card application. The most effective way to do this is online through the lender’s website. You can also apply over the phone and through the mail.
If you apply online or over the phone, your application can be processed and approved in just a few minutes. Sometimes you will need to provide additional information to get approved. Once approved, you can expect your credit card in the mail in about five business days.
You have more options to consider than you think. Applying for the right credit card that matches your needs can help build a solid financial foundation.
There are many exciting careers in the construction industry right across Canada. And available jobs will continue to increase with many current workers retiring in the years to come. So if you’re looking to make a career change, there are great possibilities, even if don’t have a construction background.
Linda Ryan is the Provincial Manager (Apprenticeship Services) with BCCA. When it comes to looking for a career, Ryan provides tips on how to successfully make your career change to the Canadian construction industry. BCCA-Integrating Newcomers, is a government funded, Canada-wide, pre-arrival career coaching service for high skilled construction professionals immigrating to Canada (*BCCA-IN). The BCCA-IN team helps newcomers plan for, and achieve, employment success, no matter what city or province they are moving to.
Prepare for Canada: Can you tell us more about the shortage of workers in the construction industry? What types of professions are needed?
Linda Ryan:
With an 80,000 shortfall predicted in workforce numbers over the next decade due to retirements and modest industry growth, it’s fair to say Canada’s construction industry is actively hiring. Like any industry, construction needs tradespeople and specialist professionals such as engineers, architects, estimators, etc. As well, the industry requires strategic professionals for functions such as:
Prepare for Canada: The employee shortfall is great news for job seekers with a construction background. But, what advice do you have for newcomers who want to make a career change? In other words, how can newcomers actually transition their non-construction skills and experience?
Ryan offered these tips to make a career change to the construction industry.
Transitioning your career to a new industry is possible as long as you have a clear plan and are prepared to take lots of small, progressive steps to get there. Accepting that your career transition is a journey, not a destination, is key. It will prepare you for the action and accountability you must assume to make a successful career change.
Answer this question: What’s my goal in moving into the construction industry?
In other words, what will it give you that you don’t currently have? The more honest you are about what and why the more focused you can be about the kind of roles and companies that will suit you. Answering this question will help you confirm what you’re prepared to do to get started because you will have to take a step back in the short term to build your reputation in a new industry.
This is where people make a big mistake. Recruiters will ‘pigeonhole’ you when they read your resume and only consider you for roles that match your experience and industries. So, your old resume won’t cut it. You can overcome this barrier by investing time to look back on your life, hobbies, family influences, volunteer endeavours, and professional experience. Then rewrite a resume and cover letter that shows:
i. An exposure to and interest in construction
II. Key skills and past role achievements that will transfer well into your new target industry.
Start job hunting for roles you’re a realistic fit for in the construction industry. This may mean considering more junior roles. Although you may have transferable skills, employers know that you will have to learn the industry to add 100% of your value, and that takes time. So, know your value but be humble about where you will start your career.
Spend less time applying for jobs and more time tailoring your resume for specific ‘obvious fit’ roles.
Business in Canada relies on a strong network, and even more so in the construction industry. If you’re not prepared to invest time to network and connect with peers online and offline, then you’re not really committed to a career transition.
LinkedIn is a helpful tool to build a professional network and connect with peers. However, don’t connect to ask for a job. Instead, connect because you share a common:
Sometimes it’s as simple as sending a blank connection request on LinkedIn, other times, it’s about asking to connect because you’d value some ‘local industry insights’. Try different approaches. You’ve nothing to lose.
There are many construction associations across Canada. Most are formed as corporate, member-based, not-for-profit organizations. Their mission is to advocate for local construction stakeholders. The associations offer networking events, short in-person and online (inexpensive) courses and are great sources of local industry insights. To find your local Canadian Construction Association, start here: CCA Membership.
These are great tips for anyone looking to make a career change and enter the Canadian construction industry. And BCCA-IN can provide the support and guidance you need.
*The BCCA-Integrating Newcomers program is a free, pre-arrival, Canada-wide service, focused on helping high-skilled newcomers explore and build successful construction careers. Services include one-on-one career guidance, tailored resume, cover letter, LinkedIn advice, and an in-depth skills and education assessment to help newcomers focus on the best career, credentials and connections activities. The Integrating Newcomers team not only has multi-industry experience but are also immigrants who have built successful careers in Canada.
Are you looking to find the highest-paying jobs in Canada? You are not alone. Everyone wants to make a good wage in a career they enjoy. Canada is home to a diverse economy with a wide range of high-paying jobs. You can work in health care, technology, business, finance, e-commerce, oil and gas, and just about any other industry and find yourself in a high-paying position.
Are you starting out in your career? Is it time for a mid-life career change? Or do you want to learn more about the best-paying jobs in your industry? it’s important to know what is out there for you. The best industries to work in and how much jobs pay will depend on the province, city, and many other factors.
Knowing the highest-paying jobs is only the first step. It’s also a good idea to understand the most in-demand roles. But most importantly, you need to know how to apply for these competitive and high-paying jobs if you hope to get one.
Below you will learn about some of the highest-paying and most in-demand jobs in Canada. You’ll also get tips on how to apply for these jobs to improve your chances of getting a call for an interview.
There are many high-paying jobs in Canada. While the industries and type of work you do will vary, they do have some common factors. For example, you will require extensive post-secondary education, training, and certification to qualify for these roles. Here are some of the highest-paying jobs in Canada right now:
There is no surprise to see a doctor on this list. There is a big demand for all types of physicians across the country. Many new doctors come from other countries where they have already completed medical school and the required training. A doctor in Canada can make $150,000 or more per year. Learn more about licensing and other requirements to work as a medical doctor in Canada.
Dentists are always in demand. Everyone needs to see one to ensure they have good oral hygiene. Similar to doctors, you will need extensive education and training. You can make over $100,000 annually. If you specialize in dental surgery or other dental specializations, you can increase your average salary. Find out more about what’s required to work as a dentist in Canada.
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Similar to other roles in the medical profession, pharmacists and related roles in pharmaceutical sciences require you to have extensive training. Again, like other health-related roles, you will be compensated well. You can make about $110, 000 per year or more. Find out more about what you require to work as a pharmacist in Canada.
Engineers work in a variety of different industries and disciplines. You can be a mechanical, software, automotive, aerospace, electrical, or civil engineer. You will need to complete an engineering degree and pass a professional examination. Engineers will make $120,000 or more.
Financial advisors play a key role in helping people and companies manage their investment portfolios. You can work for banks, credit unions, and many other types of financial institutions. Professionals in this field can make $100,000 per year or more. You also have advancement opportunities to work in a number of different roles within the finance industry.
Financial professionals are in demand in Canada and accountants are leading the way. There are many types of companies seeking out accountants. How much you make per year depends on where you work. For example, working for an accounting firm versus working for a large corporation or operating as an independent professional will affect your annual salary. Accountants can make over $100, 000 per year.
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Working in the energy industry is a great opportunity. There is growth in the renewable energy field and how energy is used continues to change. Utility managers plan and operate utility company operations. It is a specialized role that comes with an average annual salary of about $115, 000.
Big data and analytics continue to become more important in the business world. Statistical modelling and data analysis help companies make more accurate forecasts and strategic decisions. They are in demand to assist with making sales, marketing, and strategic decisions. Data scientists can make $90,000 per year or more.
Working in business gives you the opportunity to take on many different roles as you work your way up the corporate ladder. While traditional roles still pay very well, there is an increasing focus on the e-commerce side of business operations. Working in business administration, you can make well over $100,000 per year.
No surprise here. It’s common knowledge that lawyers can make a good salary. You will be required to complete law school in Canada and pass the Bar Exam. An experienced lawyer can make $130,000 on average and up. There is no cap on your earning potential, which makes it an attractive career option.
This is by no means a complete list. There are many additional careers that can pay you just as much as the above jobs.
Another way to think about high-paying jobs is to look at the roles that are in the greatest demand. In-demand roles usually come with a good compensation package and other perks. The most in-demand jobs in Canada in 2021 and for the foreseeable future are as follows:
Each one of these roles can offer you a career with a good salary and the opportunity to advance in the future.
If you want to get a call for an interview for a high-paying job, you need to present yourself as a top candidate. Everything about your job application needs to be on point. Applying for a job has to do with more than presenting a good resume. So here are some great tips to help you apply for the highest-paying jobs in Canada:
If you want a high-paying job, you need a resume that presents you as a top candidate in your field. So rather than list your past skills and experience, focus your resume on your accomplishments. Craft it to convey how your experience and skills will help the organization you want to work for. To do this you will need to customize your resume and application for each job you apply for. Use the information you find on the company website and in the job listing to create a custom application package.
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Expect employers to check you out online when you apply for a job. While not having an online presence won’t change your odds, having a poor online presence will. Make sure you do not post anything controversial or even anything that may cause a hiring manager or recruiter to second-guess you. Mine all your social media channels and delete anything that does not present you in a positive light.
You can make your online presence work for you by being an active participant in your industry community. Have a strong LinkedIn profile, take part in industry groups, and be an active participant. This will help you build name recognition in your industry.
To make yourself a more attractive candidate, work toward making yourself an expert in your industry. There are many ways you can do this that are free or of little cost. For example, you can start a blog, be active on social media, or create a YouTube channel or podcast. You can also take more traditional routes by attending industry conferences, looking for speaking engagements, and getting a role as a board member of your industry associations.
Professional growth and development are an essential part of building a career where you continue to thrive. Always look for opportunities to add new skills, credentials, and certifications. This will show employers that you have a strong drive to succeed. You will also be a more valuable asset to their organization. It’s also helpful to know if your occupation is regulated or unregulated in Canada. Regulated professions may require you to obtain additional certifications.
The people you know are important. People that always seem to find new opportunities tend to have a strong professional network. The more people you know, the greater chance you will have to identify new jobs. Sometimes it can be as simple as getting someone you know to introduce you to a mutual connection.
You get out what you put into the job search process. If you are applying for a high-paying and competitive job you will need to put in the effort. Using this information will help you to identify and apply for the highest-paying jobs in Canada
For information, tools, free webinars, and more visit our finding a job in Canada resource page. Get the help you need to achieve your career goals in Canada!
If you’ve recently arrived in Canada you may need a car that meets your lifestyle, work, and family transportation needs. And buying a used car may be a better option than buying a brand new car, especially when you need to manage your expenses as you transition to life in Canada.
But before you buy a used car it’s helpful to think about your needs to find a good car that fits your budget. Buying a used car comes with other factors to consider. No one wants to buy what they think is a good car only to get stuck with a lemon. If you decide that it’s essential to own a car, here’s what you need to know and do before you buy a used car in Canada.
Knowing how much you want to pay for a vehicle will help you narrow down the vehicles in your price range. Also, when you set a budget, you won’t be tempted to overspend. Carefully managing your money when you arrive in Canada is a key priority.
Determine how you plan to pay for your used vehicle. Do you want to pay cash? Do you need to take out a car loan? If you get a loan, will you get it from the car dealer, bank, or other lender?
You can get almost any car brand, make, or model on the used market. Spend time to narrow down the type of vehicle you want to purchase.
Ensure you are buying the right vehicle for your needs. A good used car can offer years of service at an affordable price. This is helpful especially if finances are tight. Think affordability. Also, the type of vehicle you buy will affect your insurance costs.
A small car will suit a single person or couple. If you have a growing family think about a mid-size car with a bigger back seat and a larger trunk. Mini-vans are ideal if you have a couple of children or an extended family comprised of adults. Minivans offer multiple seats from seven to eight and a larger cargo area.
Sport Utility Vehicles (SUVs) are a good choice, especially for winter driving and safety. An SUV may be ideal if you live in a region with harsh, snowy winters or a rural area with hills and rough roads. But, small four-cylinder cars with a manual transmission are still the most fuel-efficient and affordable cars to buy and maintain.
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Before you look for a car, ensure you are armed with as much information about the specific make and model of vehicle that interests you. Tools such as Canadian automotive websites and the Canadian Black Book, list the value of used cars according to age and condition.
Searching for your first home in Canada? Join this exclusive session for key insights on housing market conditions, affordable options, and renting without credit history. Tailored for newcomers settling in the next six months, register now for valuable tips and a free guide!
REGISTER FOR THE WEBINARResearch vehicles you are interested in and check for manufacturer recalls in the past and common problems that need fixing. Your research will reveal which cars are good or bad and could save you hundreds if not thousands of dollars. Reliability is important when buying a used vehicle. Stick to brands and models that have proven to last the test of time. There are websites you can use to see the top used cars such as Autotrader.ca, and CARFAX.
Insurance costs vary based on the car you drive. Find out how much it will cost to insure the used car before buying it.
Always take a car out for a test drive before you buy it. You should feel comfortable behind the wheel. There is a big difference between how a car looks and how it feels when you are driving it. The test drive also allows you to test out vehicle components and ensure everything works as advertised.
Test drive the vehicle on different road surfaces and at various speeds to check steering, engine noise, vibrations, transmission problems, brakes, shock absorbers, and front-end alignment. Do a few emergency stops and listen closely for transmission, engine, and suspension noises that could indicate trouble ahead. If the vehicle pulls to one side and the steering does not center itself this could spell alignment issues or have been caused by a previous accident.
Always get any used car checked out by a trusted mechanic. You never know what is going on under the hood. A mechanic can tell if the car is in good shape or needs costly repairs.
If you feel positive about the vehicle, take it to a mechanic you trust or a diagnostic center for a thorough inspection before you buy it. A good mechanic will do a thorough check of the car to identify any problems and suggest what work may be needed to keep the car safe and reliable.
There is more to transferring ownership than just handing over the cash when you buy a used car in Canada. You need to follow several steps to transfer ownership. These will vary based on your provincial regulations.
Always ask to see the seller’s Used Vehicle Information Package (UVIP). This will give you an overview of the history of the car. Check the Vehicle Insurance Number (VIN), registration, and lien information to make sure the car is clean. It also serves as the bill of sale.
Regardless of whether you are buying a new or used car, the price is always negotiable. Make an offer you believe is fair and see if the seller is willing to accept it. Buying a used car in Canada is a negotiation.
Consider the value of the vehicle from official trade journals such as the Canadian Black Book and take into account: age, mileage, general condition, upgrades, or extra features- minus any defects or mechanical issues, you see from a mechanic’s report.
Use any flaws in the vehicle to bargain and reach a price both you and the seller are comfortable with. Remember to be calm and rational and don’t let emotion enter your decision. No matter how much you like the car, you do not want to overpay.
Evaluate any counteroffer by the seller, and prepare to walk away if need be, unless you feel inherently the car is worth the money the seller is asking.
If you do not buy the vehicle, be philosophical about it. The used car business is larger than the new car business. And there are plenty of other good used vehicles out there for you. With good basic research and a cautious, knowledgeable approach you can find a decent vehicle to fit your needs at a price within your budget.
Following these tips will ensure you’re spending money wisely on a used car that will meet your driving needs in Canada.
Parenting styles play a vital role in helping children develop emotional and social skills to succeed in Canada. While basic tenets such as love, support, and encouragement are common around the world, you might find being a parent in Canada different from your country of origin. For example, in Canada, many parents encourage individuality in their children. Parents raise and support their children up to 18, when they are legal adults. After age 18, it’s common for children to move away to college and find part-time work.
This independence helps young adults to learn how to manage money and build strong personal and professional connections early on. In many community-based cultures, there is a tradition to live with all family members under one roof. This is unlike the culture in Canada where people in their 20s like to assert their independence.
Along the same lines, children are taught to respect themselves as individuals from a young age. So children learn that physical or mental abuse is not appropriate. While in some countries spanking might be acceptable, it’s not accepted in Canada. Rather, being a parent in Canada is based on mutual respect and treating your child with dignity. So it’s important to foster strong relationships by listening to their children’s thoughts and ideas. Parents influence rather than dictate to their children. This approach also translates for children later in life when they are in school or join the workforce.
Parents must foster self-esteem, confidence, and social skills to help their children succeed in Canada.
While many immigrant parents face more challenges than they expected, they take comfort in knowing they are giving their children a great start in life. As all parents do, immigrant parents have many hopes and dreams for their children. And you want them to be happy, healthy, and successful.
You may have to adapt your cultural expectations and parenting style to meet new norms. Adapting to a different style can help you deal with issues you may face.
In this context, here are some of the issues you may face:
1. Finding the balance between your traditional culture and the Canadian way of life.
2. Helping your kids adapt to school in terms of their studies and day-to-day activities.
3. Helping your kids make friends and deal with discrimination or bullies.
4. Dealing with kids who want to wear clothes and do things you disapprove.
5. Ensuring your kids don’t get involved in violence or drugs.
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REGISTER FOR THE WEBINARAfter living in Canada, many immigrant parents admit that they have changed their methods, styles, and behaviours since coming to Canada. The style you use to raise your children can affect them differently.
Researchers have identified four main styles and their characteristics.
In a permissive style, parents are often warm, accepting, and avoid confronting their children. Parents make few demands of their kids and allow them to regulate their behaviour as much as possible.
Typically, permissive parents do not enforce rules on their children. Research suggests that children of permissive parents have difficulty regulating their emotions and controlling their impulses. Children of permissive parents are more likely to show signs of depression and anxiety and tend to struggle in school. And children may also make poor decisions when their parents provide few guidelines, which can affect their decision-making skills.
Parents with this style can develop a more authoritative habit by introducing and enforcing rules.
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Like permissive parents, uninvolved parents make few demands of their children. However, they show little warmth or responsiveness toward their kids. As you might expect, children of uninvolved parents tend to be the least well-adjusted. Researchers identify that children with uninvolved parents may display low social skills and academic performance.
This style can be quite damaging for children. With little support, love, and structure, children with dismissive parents are less emotionally healthy.
Authoritarian parents have high demands on their children, and they tend to be controlling. Strict parents provide highly structured and well-ordered environments for their children. They emphasize values such as respect for:
With this style, parents expect their children to obey strict standards and rules. They believe that their children should accept their decisions without question or dissent. This may sound familiar to your own upbringing. Or, there may even be some form of corporal punishment, such as spanking, to make children comply. But this is not acceptable in Canada. You could even find yourself in legal trouble if you punish your children physically.
It’s not surprising that children of strict parents are more anxious and withdrawn than other children. They tend to have relatively low levels of self-esteem and high levels of depression. However, these children are less likely to engage in problematic or antisocial behaviour and tend to perform well in school.
If this is your style, you can consider how to adopt a more authoritative style.
Authoritative parents expect their children to respect authority and follow strict standards and rules of conduct. With this style, parents prefer to reason or negotiate with their children when resolving conflict.
Authoritative parents encourage their children to be both assertive and self-controlled. And, it’s no surprise that children of authoritative parents appear to be the best adjusted and tend to have better social skills. They effectively regulate their emotions and impulses and are less likely to engage in problematic or antisocial behaviour. These children have relatively high levels of self-esteem and a happy disposition.
Whatever your style, it’s vital to know how it can affect your child’s development and success in Canada. So, be strong, impart your values, but allow your children some flexibility to discover themselves, determine their futures and shape their own beliefs. With your love and support, you’ll raise healthy and resilient children who will succeed in Canada.
The question “how much mortgage can I afford?” is quite different from “how much mortgage can I get?” So, it’s important to understand the risks involved when a lender offers you a mortgage that is more than you need or expected. When buying a home for the first time, it’s important to consider all of the related costs and expenses. And, when you factor in all of the costs, you’ll be in a better position to answer, “how much mortgage can I afford?”
It may seem like great news to get approved for a higher mortgage amount than you expect. But, this can lead to overspending on housing when you get more money than you need.
Buying a home in Canada is a big dream for many newcomers! But, buying a home that is more than you can afford, can turn that dream into a financial nightmare. If you have a good credit history, and a healthy down payment, your lender may approve you for a mortgage that is higher than what you need. For example, you may have a personal budget of $800,000 to buy your home. And, your lender may pre-approve you for $1,000.000. To get a general idea of how much mortgage you can afford, use this mortgage calculator.
But, does that mean you should borrow that much so you can buy a more expensive home? You need to factor in other costs so that you can answer this key question: how much mortgage can I afford?
This is a common mistake that many first-time homebuyers make. And, this often leads homeowners to a situation where they are “house rich and cash poor”. In other words, they are spending between 30 – 40% (or more) of their total income on:
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When you spend too much of your income on housing, it means you’ll be “cash poor”. And this means you’ll have very little room to afford other expenses such as:
Or, you end up making these purchases on credit, increasing your debt level, and possibly affecting your credit history.
In addition, you need to consider your other expenses such as daycare, saving for retirement, or saving for your children’s education. All important expenses that you may also be saving for.
So, before buying your home, carefully consider how much you can afford and what other financial obligations you have.
Closing costs are typically paid at the end of the homebuying process. Often, people overlook the closing cost that can become expensive. You can expect to pay closing costs in the range of 1.5 – 4 % of the selling price of your home. So, it’s important to include these costs when calculating how much mortgage you can afford.
Closing costs are one-time only expenses that may include:
Getting a home inspection is not required. However, if you are buying a home, it may be a smart thing to consider. A home inspection can provide you with information about the state of the house. You may discover that you will have to spend money on repairs either in the short-term or long-term.
You also want to find out what recent repairs or renovations were completed. A home inspection can provide information about the: insulation; electrical work; and structure.
If the home inspection reveals costly defects, you can try to negotiate with the seller to make the repairs or reduce the selling price.
Homeowners in Canada must pay taxes to fund services such as police and fire, schools, public education, transit, parks and recreation, road maintenance, and many other services. And, property taxes are a major source of revenue for municipalities in Canada.
On top of your mortgage payments, you will have to pay property taxes. Most lenders will collect the property tax and this helps you to avoid a large and unexpected tax bill when your annual taxes are due. So, it’s important to factor your property taxes into your mortgage payments as well.
These legal costs include fees for services that your real estate lawyer will do such as:
This is a tax that home buyers in most provinces must pay. And, It is usually based on the purchase price of the home.
Since your lender has a large stake in your home, they will often require you to purchase insurance against fire and weather-related damage. It is also a good idea for you to purchase ‘contents’ insurance to protect your valuables.
This is special insurance coverage to cover the cost of your mortgage in the event of death or severe illness is available from most lenders.
Your moving costs will vary depending on whether you rent a truck and move your belongings yourself, or if your hire professional movers. If you hire movers, you can expect to pay a minimum of $1,000 depending on the weight of your belongings, travel distance, and even your moving date.
You can reduce your moving costs if you rent a truck, and kindly ask your friends and family to lend you a hand on moving day!
When you set up your utilities, you will be charged a deposit to hook up services and replace the previous owner’s name with your name on the bill.
Many potential homeowners overlook these additional costs, and they can quickly add up. So it’s important to include these costs when considering how much mortgage you can afford.
It’s important to manage all of the costs involved when buying a home. And, knowing how much mortgage you can afford can help you to make the best financial decision for you and your family.
Check out our financial first steps resource page for resources and information to help you achieve your financial goals in Canada!
Your cover letter for a Canadian job will help employers notice you! And importantly, it can help determine whether or not a recruiter contacts you for an interview. While there is some debate over the need for a cover letter, it’s essential. Your cover letter format can help you to stand out among other candidates and give you a key advantage. With a cover letter for a Canadian job, hiring managers will notice a compelling story about your skills and achievements. On the other hand, a poorly written letter reflects a casual attitude that may affect your ability to land a job.
Often, newcomers spend time and energy writing a strong Canadian-style resume, but fail to write a cover letter. This approach can lead nowhere. Without a compelling cover letter, it’s easy to get caught in a spiral of rejection from employers or settle for a job that isn’t well-suited to you.
While it’s time-consuming to write a letter that is worthy of notice, it’s time well spent. Many Canadian employers agree that a great letter can make all the difference when selecting who they will interview. However, if the job posting clearly states that a cover letter is not required, you can avoid it. This will also show that you can follow instructions. So, if you’re wondering if you need a cover letter to include with your resume, the answer is yes!
It’s an important element when you apply for a job in Canada. A proper cover letter format allows you to share information about yourself that goes beyond what’s on your resume or CV.
A strong cover letter uses clear and concise language and states what is relevant to the job posting. It’s like a sales pitch to convince an employer that you are the right candidate for the position.
While you can find many generic cover letter samples, it’s better to write your cover letter yourself and tailor it to the specific job and company that you are applying to.
Research and identify why you want to work at that company. Take the time to express it in your cover letter. If you can’t express why you want to work for the company in your cover letter, you’ll struggle to answer that question in an interview. Thorough research will help you identify if your experience, career goals, and values align with those of the company and the position.
Your research will also help you to identify what you admire about the company. For example, has the company successfully expanded in the marketplace? Has the company won a coveted award? Or is it an industry leader in an area that you are passionate about?
This cover letter sample includes six main sections:
Include your:
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Create a personal LinkedIn profile URL that looks professional and current.
Include this address format for the employer:
If the job description mentions the name of the hiring manager, begin with Dear Ms. (or Mr.) followed by their surname. If you’re unsure of the person’s gender, it’s best to use Dear followed by their first and last names.
When the name of the hiring manager is not provided, try to find their name on the company website or through LinkedIn. Alternatively, it’s appropriate to use “Dear Hiring Manager” for the salutation. But, do make an effort to find a name. It’s that much more personal, and your effort will show.
Avoid using “To Whom It May Concern” or “Dear Sir/Madam”.
A great cover letter format will grab the hiring manager’s eye with a compelling opening statement. Explain why you are interested in the position. Show that you want to work for that specific organization. Convey that you’re excited about the role. Employers love to hear that you’re excited about the company and that you have done your research.
Answer these questions:
Describe what you can offer the employer. Draw on your experience and results that relate directly to the job. And help the reader to see why you’re the best candidate.
Make it easy for the reader to connect the dots. For example, your ability to speak multiple languages makes you an ideal candidate for a customer service role. Describe what makes you different from every other qualified applicant. Ideally, this section should be one to two paragraphs.
Answer these questions:
Asking yourself these questions will help you build a foundation for your cover letter format and make it easier to write.
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DownloadThis final section is more than just closing your letter. It’s about opening the door to further contact. This is where you state what your next action will be. For example, you could state that you will phone or email the reader to follow up or arrange a time for an interview.
It’s also a great opportunity to express your genuine excitement for the role, along with your initiative.
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| DO | DON’T |
|---|---|
| Research the company before you write your cover letter Grab the reader’s attention within the first few sentences Tailor your letter for each job you apply for Explain how you can help the company achieve its goals Be clear and concise Keep your letter to a half- or two-thirds of a page to keep the reader’s attention Proofread your letter for spelling and grammar errors. | Use a generic cover letter Repeat what’s on your resume Cut and paste the job description into your cover letter Provide unnecessary details (recent struggles, or why you were laid off from a job). |
Writing a great cover letter for a Canadian job is a time-consuming process, but the reward it pays is worth your effort. As a result, a well-written cover letter will pave the way for more job interviews and give you a greater chance to secure a job in Canada that’s perfect for you!
Writing an effective Canadian-style resume can be challenging. That’s why we are here to help. Our free Canadian-style resume template will give you all the information you need to create a resume tailored to the Canadian job market. This template takes all the guess work out of creating your resume, so you can focus on what matters the most- getting the job.
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1. Have the right technology for your virtual interview
2. Minimize distractions
3. Ensure you have good lighting
4. Create the right setting
5. Pay attention to your attire
6. Prepare yourself for the interview
7. Conduct research for the virtual interview
A virtual interview (or video interview) is common because it helps recruiters to reach a more diverse and global pool of applicants. It’s also a cost-effective way to screen job candidates. So if you’re searching for a job either from your home country or in Canada, you can expect to attend a virtual interview.
As with a face-to-face interview, it’s important to prepare for a video interview. However, in addition to researching, and preparing answers for common questions, you have to consider technical needs. For example, you need to ensure that you have the basic elements that include a:
– Computer with a built-in or external video camera
– Built-in microphone or headphones
– Reliable internet connection, and
– Suitable location to speak that is free from distractions.
When you consider these extra factors, you can expect to have a successful interview, secure a follow-up interview, and hopefully get the job offer you want! In addition, preparing for the technical aspects of a video interview will ensure that you remain calm before and during your interview. Attending a job interview can be stressful, and a virtual interview may require additional effort to improve your performance.
A virtual interview uses technology to allow for a remote discussion between you and the interviewer. Some common conferencing platforms include:
– Skype
– Zoom
Video interviews are becoming more common as companies look to reduce costs, save time, and increase efficiency. As well, during COVID-19, it offers a way to limit physical contact. However, even when the pandemic is controlled, you can expect that video interviews are here to stay.
To improve the outcome of your interview, you need to prepare for common questions and consider the technical factors. And while there have been many enhancements to video conferencing, you need to prepare for potential issues. For example, during a video interview, you may experience a connection problem, communication delays, or video and audio quality issues. Hopefully, none of these issues occur, but it’s best to be prepared to deal with them.
Knowing that your technology works well before the interview will give you more confidence. And, you won’t have to fumble during the interview if something does not work. You want to show that you’re confident in a virtual setting. When you prepare in advance, you’ll be able to focus on the conversation. These seven tips will contribute to your success.
Ensure your computer’s audio and camera work effectively before the interview. Check that your microphone is not set to mute and your camera is on. It’s also a good idea to use earphones instead of the microphone on your computer to improve the sound quality.
A sharp and clear video image will make you look both professional and presentable. If you have an older computer, you may want to consider buying an external webcam if the video image is poor.
You also want to make sure that you have access to a good internet connection. However, as with any technology, there’s always a possibility that things won’t work. If you think you might have a problem, you may want to ask the interviewer for a telephone number if the video or audio stops working.
It’s a good idea to test your equipment the day before the interview so that you have time to correct any issues.
To improve your performance it’s important to be focused and present. To do this, select a location where background noise is limited. Before the video interview remember to:
– Turn off the TV
– Put your phone on mute
– Turn off any notifications on your computer
– Close windows to avoid honking horns or sirens in the background.
If you have children or pets, keep them out of sight and hearing range.
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Proper lighting for your virtual interview can help you appear engaging and lively. You want to avoid your interview seeing just a dark shadow of your face on the screen. A good forward-facing light source will ensure that you are visible.
Also if the light is coming from behind you from a window or other light source it can create a harsh silhouette.
It’s important to appear professional and that includes paying attention to your backdrop and location. Choose a location that is most like an office. It’s best to sit in front of a background that is simple and neutral. Make sure that the space is neat and organized.
Or, you may choose to use a virtual background if you can’t find a suitable space. You can find free virtual backgrounds for Zoom, Skype, and other video conferencing software.
Some people feel much more relaxed in online environments and that also applies to their dress code. However, it’s important to consider the first impression that you want to make. So dress for success and treat your online interview with the same respect that you would for a face-to-face interview.
It’s safer to err on the side of dressing more formally rather than too casual. Also, avoid wearing accessories and jewelry that might distract the interviewer. You want them to focus on your expertise. You can also consider the colour of your clothing. Some colours that work best on the camera include navy, light blue, grey, beige, and jewel tones.
When you dress the part, you’ll feel polished and professional. And, this can give you an important boost in your virtual interview. How you feel can affect how you speak and sound. As well, your dress and speech convey helpful cues and clues to give a good visual impression to the interviewer.
Even in a virtual setting, you have to be aware of your personal brand. This is a great chance to show your future employer that you are digitally savvy, current, and professional.
Attending a job interview can create stress and anxiety for most people. There is often much at stake which contributes to being nervous. This is completely normal. Some people are very comfortable in a virtual environment, but if you need help to manage nerves pay attention to your body language. These are important things to remember:
– Show interest through your posture and body language
– Remember to smile. Smiling makes you appear confident and comfortable.
– Maintain eye contact with your interviewer. Look at your video camera rather than the screen.
– Speak clearly and slowly to ensure effective communication
– Prepare responses to common interview questions
– Prepare questions for the interviewer.
As you would for a face-to-face interview, thorough research is key. To research any company, you can go directly to the company’s website. This will provide you with the most credible source of information. You can also scan the news for relevant information about the company.
As you conduct your research, think of questions that will show your interest in the company and knowledge of the industry. Interviewers will give you a chance to ask questions during or at the end of your interview. And, well prepared and thoughtful questions show your passion for the role.
You may want to ask the interviewer to describe the ideal candidate for the role. This answer will allow you to assess what skills you have that will contribute to your success in the role. In addition, the interviewer might identify an area or skill that you may not have discussed. This is a great chance to discuss that skill or strength and help them to assess your suitability for the role.
Another helpful step is to research the interviewer. If the interviewer has a profile on LinkedIn, you can get a sense of their background and learn something about their professional background that you have in common. This can provide you with a sense of connection and build rapport during your interview.
As virtual interviews become a common practice with employers, it’s a great chance to show your technical savvy, communication skills, and interest. With these tips, you can ensure that you will have a positive experience and improve your chances of getting the job offer.
For more information, tools, and free webinars visit the finding a job in Canada resource page. Get the help you need to achieve your career goals in Canada!