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ALL BANGLADESHI APPLICANTS FORUM

KFH

Star Member
Jan 28, 2013
159
0
Category........
Visa Office......
SVO
Job Offer........
Pre-Assessed..
Med's Request
Oct 2012
Med's Done....
completed babys medical on 28 Feb 2013
Interview........
Alhamdulillah waived
Passport Req..
Submitted on 05/07/2013 via Fedex
VISA ISSUED...
July 2013
LANDED..........
Alhamdulillah on September 2013
Saydul said:
I don't know. Expecting on Sunday...
Alhamdulillah congrats to both of you
 

KFH

Star Member
Jan 28, 2013
159
0
Category........
Visa Office......
SVO
Job Offer........
Pre-Assessed..
Med's Request
Oct 2012
Med's Done....
completed babys medical on 28 Feb 2013
Interview........
Alhamdulillah waived
Passport Req..
Submitted on 05/07/2013 via Fedex
VISA ISSUED...
July 2013
LANDED..........
Alhamdulillah on September 2013
Saydul said:
6. Fund issue
Regarding fund Issue i would like to add one point to verity. Money order or cashiers check(its not available in Bangladesh) might be acceptable as cash equivalent at POE. Shamimbd Bhai has done landing with USD amount as well.

Would be nice if the jotted discussions are posted here after the party...and ;D ;D ;D ;D ;D

Pls pray for us as we are preparing for landing.
 

hhshumon

Hero Member
Jan 21, 2013
612
30
We had a long afternoon g2g today 24th August, Saturday, 3 PM onwards, we all:
01. Hoquejamal,
02. hhshumon
03. haq_bd
04. Joya
05. neel123
06. SKY BLUE
07. Aditto and
08. Saydul Were present. It was fun. We discussed the following:

01. Things to do before departure, (transcripts and certificates, experience certificates, etc)
02. Things to accompany list (I have a soft copy of things to accompany list, will mail to all of you if given the mail id.)
04. IOM ticket issue: many of us already got tickets, few of us are exploring IOM.
05. Luggage issue, cartoon with luggage, saves money and space.
06. Fund issue: take cash usd 2000 from bank (city) and 3000 cad from money exchange,
07. Original Driving licence are to be accompanied with a previous old one showing 5 years experience atleast and can be sourced from BRTA mirpur office gate with few quids.
08. We keep on keeping close contacts with each Other.

Thanks everyone for coming and giving me the privilege to know you guys.
Take care and maley Bari........ ;D
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
[size=10pt]Looking after your own money is a big part of looking after yourself[/size]

. In Canada, it is easier to spend than to save. It is important to budget on net income rather than on gross income. Gross income is the salary you earn before deductions are made.

. Housing: In Canada, most people spend about one-quarter of their pay cheques on shelter costs. These costs include:

. rent or mortgage payments
. heating
. property taxes
. utilities (water, electricity, sewer rates)
. telephone
. cable television (option)


. If you rent an apartment, the landlord may pay all the utilities except the telephone and cable television and automatically add these costs to the rent. In other words, you are paying for all these things in your shelter costs, whether you write the cheques yourself or whether you pay one amount to your landlord, who then pays the separate utility bills.

. Food: In Canada, food costs usually account for approximately one-eighth of each pay cheque. This can easily double if people eat regularly in restaurants, buy luxury foods, or include alcohol and cigarettes as part of their food budget. Alcohol and cigarettes are expensive in Canada because they are heavily taxed.

. Clothing: Clothing in Canada is a necessary expense. Cautious shopping can hold clothing expenses well under one-tenth of a person’s pay cheque.

. Luxuries are those items you do not absolutely need. There are many goods and services that are both practical and luxurious. Cars, clothes, travel, and longdistance telephone calls can be called either business necessities or luxuries, depending on the nature of each person’s business or point of view.

. Many immigrants feel that they would like to own a car. For many Canadians, a car is not absolutely necessary, but it is desirable. For most car owners, a car is a semi-luxury: it is used not only to get to and from work, but also for convenience and pleasure. Many people forget that the price paid for a car is NOT the total price of ownership. License and insurance are legal yearly expenses: gasoline, oil, repairs and maintenance are continuing costs of ownership.

. Credit cards: are obtained from banks. You can also get credit cards from department stores or gasoline companies. Note however that store or company credit cards usually charge more interest than bank credit cards. Credit cards are a major convenience, but they have costs that are not immediately noticeable. Many people find themselves losing control of their financial affairs because of incautious use of credit.

Note: I f you pay only the «minimum payment due», all you are doing is paying the credit card company interest on money it has loaned to you. You are NOT paying your debt.

. Advertisement: In Canada, you will see many things that you might like to own. Through advertising, companies encourage you to buy their products, even if you do not really need them or cannot afford them. Some salespeople and acquaintances may try very hard to sell you things. You may feel pressured to borrow and spend money. It is important to be careful and informed.

Note: Some stores have special programs that let you pay up to one year later for the things you buy. They may be advertised with slogans "Do not pay until…." Be careful to read all the details of the purchase agreement. If you fail to pay on time, you will be charged interest from the day you actually took the item home from the store.

. Tip: Major lifetime purchases, such as a house, require down payments of cash, for which people save. People who are more cautious with their money prefer to save for most of their purchases instead of using credit, for which they must pay interest charges.

. Most Canadians save money in banks, credit unions, caisses populaires, cooperatives or trust companies.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
hhshumon said:
We had a long afternoon g2g today 24th August, Saturday, 3 PM onwards, we all:
01. Hoquejamal,
02. hhshumon
03. haq_bd
04. Joya
05. neel123
06. SKY BLUE
07. Aditto and
08. Saydul Were present. It was fun. We discussed the following:

01. Things to do before departure, (transcripts and certificates, experience certificates, etc)
02. Things to accompany list (I have a soft copy of things to accompany list, will mail to all of you if given the mail id.)
04. IOM ticket issue: many of us already got tickets, few of us are exploring IOM.
05. Luggage issue, cartoon with luggage, saves money and space.
06. Fund issue: take cash usd 2000 from bank (city) and 3000 cad from money exchange,
07. Original Driving licence are to be accompanied with a previous old one showing 5 years experience atleast and can be sourced from BRTA mirpur office gate with few quids.
08. We keep on keeping close contacts with each Other.

Thanks everyone for coming and giving me the privilege to know you guys.
Take care and maley Bari........ ;D
Shumon vi

Sent you a PM. please check.

Regards
muk
 

Leo12

Hero Member
Oct 12, 2012
404
2
Job Offer........
Pre-Assessed..
muk said:
[size=10pt]Looking after your own money is a big part of looking after yourself[/size]

. In Canada, it is easier to spend than to save. It is important to budget on net income rather than on gross income. Gross income is the salary you earn before deductions are made.

. Housing: In Canada, most people spend about one-quarter of their pay cheques on shelter costs. These costs include:

. rent or mortgage payments
. heating
. property taxes
. utilities (water, electricity, sewer rates)
. telephone
. cable television (option)


. If you rent an apartment, the landlord may pay all the utilities except the telephone and cable television and automatically add these costs to the rent. In other words, you are paying for all these things in your shelter costs, whether you write the cheques yourself or whether you pay one amount to your landlord, who then pays the separate utility bills.

. Food: In Canada, food costs usually account for approximately one-eighth of each pay cheque. This can easily double if people eat regularly in restaurants, buy luxury foods, or include alcohol and cigarettes as part of their food budget. Alcohol and cigarettes are expensive in Canada because they are heavily taxed.

. Clothing: Clothing in Canada is a necessary expense. Cautious shopping can hold clothing expenses well under one-tenth of a person's pay cheque.

. Luxuries are those items you do not absolutely need. There are many goods and services that are both practical and luxurious. Cars, clothes, travel, and longdistance telephone calls can be called either business necessities or luxuries, depending on the nature of each person's business or point of view.

. Many immigrants feel that they would like to own a car. For many Canadians, a car is not absolutely necessary, but it is desirable. For most car owners, a car is a semi-luxury: it is used not only to get to and from work, but also for convenience and pleasure. Many people forget that the price paid for a car is NOT the total price of ownership. License and insurance are legal yearly expenses: gasoline, oil, repairs and maintenance are continuing costs of ownership.

. Credit cards: are obtained from banks. You can also get credit cards from department stores or gasoline companies. Note however that store or company credit cards usually charge more interest than bank credit cards. Credit cards are a major convenience, but they have costs that are not immediately noticeable. Many people find themselves losing control of their financial affairs because of incautious use of credit.

Note: I f you pay only the «minimum payment due», all you are doing is paying the credit card company interest on money it has loaned to you. You are NOT paying your debt.

. Advertisement: In Canada, you will see many things that you might like to own. Through advertising, companies encourage you to buy their products, even if you do not really need them or cannot afford them. Some salespeople and acquaintances may try very hard to sell you things. You may feel pressured to borrow and spend money. It is important to be careful and informed.

Note: Some stores have special programs that let you pay up to one year later for the things you buy. They may be advertised with slogans "Do not pay until...." Be careful to read all the details of the purchase agreement. If you fail to pay on time, you will be charged interest from the day you actually took the item home from the store.

. Tip: Major lifetime purchases, such as a house, require down payments of cash, for which people save. People who are more cautious with their money prefer to save for most of their purchases instead of using credit, for which they must pay interest charges.

. Most Canadians save money in banks, credit unions, caisses populaires, cooperatives or trust companies.
Thanks.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
Welcome to Canada Checklist

□ Find a place to live
□ Apply for a Social Insurance Number (SIN)
□ Apply for a Health Card (OHIP)
□ Apply for the Canada Child Tax Benefit (CCTB)
□ Open a bank account
□ Apply for a driver’s licence
□ Get information about finding a job
□ Find a settlement agency close to your home
□ Find a Community Health Centre close to your home
□ Find an Employment Resource Centre (ERC) close to your home
□ Find a public library close to your home
□ Learn about your rights as an employee
□ Learn about your rights as a tenant
□ Find out how to register your children in school
□ Get maps of streets and bus routes
□ Find English classes for you and your family
□ Find out where to shop
□ Look for information on www.settlement.org
 

Leo12

Hero Member
Oct 12, 2012
404
2
Job Offer........
Pre-Assessed..
muk said:
Welcome to Canada Checklist

□ Find a place to live
□ Apply for a Social Insurance Number (SIN)
□ Apply for a Health Card (OHIP)
□ Apply for the Canada Child Tax Benefit (CCTB)
□ Open a bank account
□ Apply for a driver's licence
□ Get information about finding a job
□ Find a settlement agency close to your home
□ Find a Community Health Centre close to your home
□ Find an Employment Resource Centre (ERC) close to your home
□ Find a public library close to your home
□ Learn about your rights as an employee
□ Learn about your rights as a tenant
□ Find out how to register your children in school
□ Get maps of streets and bus routes
□ Find English classes for you and your family
□ Find out where to shop
□ Look for information on www.settlement.org
Dear muk and forum friends,

Need to know some thing about school. Is it possible to admit children in school on January? As I know all the school Start from the beginning of September.

Thanks.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
About Ontario

Weather


Ontario is a large province. Temperatures vary from region to region. The temperature can be different within the same region. Usually, January is the coldest month of the year and July is the warmest. Radio and TV news give temperatures in degrees Celsius (C). Sometimes they also give the temperature in degrees Fahrenheit (F).

Ontario has 4 seasons:

Spring: March 20 - June 20

Spring is a rainy season in most of Ontario. Daytime temperatures rise throughout the season, but the nights are cool. The average temperature during the day is about 12°C in March, April and early May.

Summer: June 21 - September 21

Summer begins on June 21 but, to most Ontarians, July and August are the main months of summer. In summer, the weather is very warm in most parts of the province. In southern Ontario, daytime temperatures are usually above 20°C and often rise above 30°C. It can be hot and very humid in the summer. On TV and radio you will hear warnings about health problems caused by heat, sun and smog.

Fall (also called autumn): September 22 - December 20

Fall begins in September. The weather gets cool and the leaves on many trees change colour and fall to the ground. It can also be very rainy at this time of year. In some northern parts of Ontario, it can snow in late October. In these months, the average daytime temperatures are about 10°C - 12°C in most of the province. The temperatures get lower as winter approaches.

Winter: December 21 - March 19

In winter, it is cold and snows often. During the winter months (December, January and February), the temperature in most of the province is usually below 0°C, day and night. Temperatures in some parts of the province can drop below -25°C. In most of Ontario, snow can be on the ground from the middle of December until the middle of March. In the northern parts of Ontario, the winter is longer and colder than in Southern Ontario.


Winters in Ontario can be very cold and snowy. If you come from a warm country, you might be surprised by how cold it can get. Winter is a time for fun in the snow, but it is important to learn about the dangers of the cold and how to stay warm. Here are some of the winter clothes you will need:

 Thick, windproof coat
 Scarf – for around your neck or across your face
 Gloves or mittens
 Warm underwear
 Winter hat that covers your ears
 Warm boots that are lined and/or waterproof
 

hoquejamal

Hero Member
Mar 19, 2012
276
3
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Doc's Request.
Oct 2010
File Transfer...
In process - 08 March 2012
Med's Request
15 Nov 2012 (issued), 29 Nov 2012 (received)
Med's Done....
Med 04 Dec 2012, Other Doc 10 Dec 2012
Passport Req..
25 Feb 2013, Submitted 26 Feb 2013, Recieved by Visa office 1 March 2013
VISA ISSUED...
9 April 2013
LANDED..........
6 September 2013
hhshumon said:
We had a long afternoon g2g today 24th August, Saturday, 3 PM onwards, we all:
01. Hoquejamal,
02. hhshumon
03. haq_bd
04. Joya
05. neel123
06. SKY BLUE
07. Aditto and
08. Saydul Were present. It was fun. We discussed the following:

01. Things to do before departure, (transcripts and certificates, experience certificates, etc)
02. Things to accompany list (I have a soft copy of things to accompany list, will mail to all of you if given the mail id.)
04. IOM ticket issue: many of us already got tickets, few of us are exploring IOM.
05. Luggage issue, cartoon with luggage, saves money and space.
06. Fund issue: take cash usd 2000 from bank (city) and 3000 cad from money exchange,
07. Original Driving licence are to be accompanied with a previous old one showing 5 years experience atleast and can be sourced from BRTA mirpur office gate with few quids.
08. We keep on keeping close contacts with each Other.

Thanks everyone for coming and giving me the privilege to know you guys.
Take care and maley Bari........ ;D

It was great meeting you all. I wish to get in touch with you. keep us in your prayers. thanks all!

P.S. shumon vai, mailed you already. please check. take care.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
Leo12 said:
Dear muk and forum friends,

Need to know some thing about school. Is it possible to admit children in school on January? As I know all the school Start from the beginning of September.

Thanks.
Part 1

Register your children in school

Parents must register children for school. This can be done at the local school or school board office. A school board is an organization that oversees public schools in your area. For more information about the school boards in your area, visit the Ministry of Education website for the province or territory in which you live. You can also find the Ministry of Education for your province or territory listed in the blue pages of your local telephone book.

When you register your child, you must bring the following documentation:

Permanent Resident Card, Record of Landing (IMM 1000) or Confirmation of Permanent Residence (IMM 5292)
Your child’s birth certificate
Your child’s vaccination certificate

You should also bring records from your child’s previous school. If the originals of the documents are in languages other than English or French, you should have them translated into English or French. Translation services available in your community are listed in the yellow pages of your telephone book.

Choosing a school

Your choice of school will be based on where you live and which system you prefer for your child. There are anglophone and francophone school systems, as well as immersion programs in which, for example, anglophone students are taught some or all subjects in French. Since French is the official language of Quebec, children of newcomers are usually required to attend a French school until the end of their secondary school studies.

Contact your local school board for more information about how to register your children in school and to find out what options are available.

New student assessment

In some cases, students who have arrived from other countries may be tested before they can enroll in school. The purpose of this testing is to gather information about a student’s educational background so they can be placed in the right grade. Tests or assessments are done in two key areas: mathematics and language.

If the tests show that a child needs additional language training, the child might be placed in an English as a Second Language (ESL) class. If the tests show that a student will succeed in regular classes, the student is placed in the appropriate grade.

Schools monitor and revise placements regularly. Children are moved between classes depending on their skills and needs.

Transportation to school

Many schools are not within walking distance of children’s homes. When this is the case, children often take school buses provided by the school at minimal or no cost to you. Depending on where you live, your child may also be able to take public transportation to get to school or they may even be able to walk to school. Parents may also decide to drive their children to and from school each day.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
Leo12 said:
Dear muk and forum friends,

Need to know some thing about school. Is it possible to admit children in school on January? As I know all the school Start from the beginning of September.

Thanks.
Part 2

Enrolling Children in School

The Canadian government provides free public education for every Canadian child. Depending on the province or territory, public education begins at age 4 or 5 and continues up to the age of 15 or 16. The education system is funded, through taxes, by federal, provincial and local governments.
The Canadian education system is categorized into elementary, secondary and post-secondary levels, however there are some differences between provinces and territories.

Many Canadian parents home-school their children rather than using the public education system.

It is the responsibility of the parents to register children in school by visiting the local school or school board office. There are various options to consider when choosing the type school, for your children, in Canada. In some cases, a child may have to go through an assessment test (language and mathematics) in order to ensure that the child is placed in the right class.

Transportation to school may be provided to children depending on how far they live from the school at a reasonable cost or no cost. Some parents may decide to drive their children to school and back.

You will require the following documents when registering you children in school:

• Confirmation of Permanent Residence (PR card);
• Your child's birth certificate;
• Your child's vaccination certificate;
• Your child's old school records.

Most children begin school at age 4, with part time schooling called Kindergarten. Elementary school generally runs between grades 1 to 8, and Secondary, or "high school" between 9 and 12 (though some provincial and private institution variations exist). The school year runs from September to June, five days a week, for generally six hours a day. Lunches and snacks must be brought from home or purchased at the school cafeteria.

What type of School is best for your child?

There are multiple types of schooling available for your children in Canada:

Public - The public school system in Canada is free. Children are not required to wear uniforms.
Separate - The separate school system is also free. There is a religious Catholic education component involved in its curriculum. Some separate schools require the students to wear uniforms.
Private - Private schools charge tuition fees, and can be expensive. Some offer a specialized curriculum based on language, religion or academic ability. Uniforms are required at some private schools.
Home schooling - Parents can choose to teach their children at home, but they are expected to meet the same standards and follow the requirements of the public system.
 

muk

Hero Member
Oct 4, 2010
360
6
Category........
Visa Office......
Singapore
Job Offer........
Pre-Assessed..
App. Filed.......
May 2010
Passport Req..
Aug 22 2012 Submitted: Sep 02 2012
VISA ISSUED...
Sep 10 2012 Received: Sep 24 2012
Leo12 said:
Dear muk and forum friends,

Need to know some thing about school. Is it possible to admit children in school on January? As I know all the school Start from the beginning of September.

Thanks.
Part 3

Elementary and secondary education

Secondary education in Canada, The Canadian government guarantees access to education for all children including those with special needs, such as hearing or visual impairment.

In Canada, education starts with an elementary school, from Kindergarten to Grade 7. Some regions then break schooling down into middle school or junior high, but, in most cases, students progress right to high school, Grades 8 through 12.

Schools generally operate on weekdays from 8:30 or 9 a.m. to 3:30 or 4 p.m., from September through June, with many extracurricular activities such as sports practices and games, as well as school club meetings, taking place following school hours.

Schools usually close for one or two weeks over the winter holidays and also close for a week in March or April for spring break.

All publicly funded schools are co-educational, meaning they accept boys and girls, and usually do not require children to wear uniforms.

Schools accept students based on their geographical location (each school has a geographical “catchment” area). However, it is possible for a student to request permission to attend a different school beyond the catchment area for special considerations, such as specialty programs.

Enrolling your child in school

To enrol your child in the public school system, contact the school board in the district in which you live. If there is a school in your neighbourhood, you may even simply go to the school to ask about enrolling your child. Generally, children will be enrolled in the school nearest to their home, although in some regions students may have to be bussed to a farther school.

A math or English language test might be administered to place your child in an appropriate grade. It is not unusual for immigrant children to be held back a grade if their language skills are low, or to even be able to skip a grade as secondary school curriculum might be more advanced in your native country.

The following documents might be necessary for enrolment:

• Birth certificate
• Immigration landing papers
• Passport
• Medical and immunization records
• Previous school records and transcripts

ESL in schools

Newcomer children who don’t yet know English will have access to English as a Second Language programs to help them learn English. These classes are often administered between regularly scheduled courses or in place of English taught to those who already speak the language.

Three types of schools

In actuality, you have a choice of the type of school you send your children to. There are three kinds of schools: public schools, private schools and charter schools.

Most children attend public schools where education is funded by the government. You do not have to pay for your child to attend school, but you will be expected to contribute for school supplies and extracurricular activities such as field trips.

The curriculum at public schools is set by provincial governments and is not allowed to impose any one religion as they must be impartial to people from different backgrounds.

A smaller percentage of students attend private schools, the majority of which are religious-based. In Canada, it is rarely elitism that makes parents send their children to private school; usually it is an appeal to a particular religion, an all-girls/all-boys environment or a belief that private education is of a higher standard. Unlike public schools, however, private schools charge tuition and have the right to select their students. They reserve the right to refuse those who do not fit their criteria.

A charter school is a public school, but it functions under a particular charter that declares its special purpose such as a concentration in one discipline (i.e., fine arts, English language). It is still required to teach the provincial curriculum, however. It also must have a board of governors and be strictly accountable to the agency that grants its charter. However, it may hire its own non-union staff, choose its own equipment and set its own budgets.

The quality of education is largely equal in public and private schools. Unlike in the United States, in Canada it certainly has no bearing on university admission for your child later on.

Getting involved in your kid’s school

Parents are encouraged to get involved or even volunteer in the school.

Most elementary and high schools offer parents an option of participating on a Parent Advisory Council (PAC). Being involved in such a group means that you, as a parent, will be involved in decisions regarding field trips, extracurricular activities, books and equipment, and other matters concerning your child’s school. This is a very good way to better understand the education system and to make new friends among other parents.

Some teachers, particularly in elementary, also encourage parents to come help the class for certain special projects or activities. Don’t be shy to take part of at your children’s school.
 

GreenBD

Star Member
Dec 8, 2012
138
21
Category........
Visa Office......
LVO
Job Offer........
Pre-Assessed..
App. Filed.......
19-11-2010
Doc's Request.
18-03-2012
Nomination.....
n/a
AOR Received.
24-02-2011
IELTS Request
sent with initial application
Med's Request
feb'2013
Interview........
exempt
Passport Req..
July 2013
VISA ISSUED...
March 2014
LANDED..........
In sha Allah 1st week of April 2014
muk said:
[size=10pt]Looking after your own money is a big part of looking after yourself[/size]

. In Canada, it is easier to spend than to save. It is important to budget on net income rather than on gross income. Gross income is the salary you earn before deductions are made.

. Housing: In Canada, most people spend about one-quarter of their pay cheques on shelter costs. These costs include:

. rent or mortgage payments
. heating
. property taxes
. utilities (water, electricity, sewer rates)
. telephone
. cable television (option)


. If you rent an apartment, the landlord may pay all the utilities except the telephone and cable television and automatically add these costs to the rent. In other words, you are paying for all these things in your shelter costs, whether you write the cheques yourself or whether you pay one amount to your landlord, who then pays the separate utility bills.

. Food: In Canada, food costs usually account for approximately one-eighth of each pay cheque. This can easily double if people eat regularly in restaurants, buy luxury foods, or include alcohol and cigarettes as part of their food budget. Alcohol and cigarettes are expensive in Canada because they are heavily taxed.

. Clothing: Clothing in Canada is a necessary expense. Cautious shopping can hold clothing expenses well under one-tenth of a person's pay cheque.

. Luxuries are those items you do not absolutely need. There are many goods and services that are both practical and luxurious. Cars, clothes, travel, and longdistance telephone calls can be called either business necessities or luxuries, depending on the nature of each person's business or point of view.

. Many immigrants feel that they would like to own a car. For many Canadians, a car is not absolutely necessary, but it is desirable. For most car owners, a car is a semi-luxury: it is used not only to get to and from work, but also for convenience and pleasure. Many people forget that the price paid for a car is NOT the total price of ownership. License and insurance are legal yearly expenses: gasoline, oil, repairs and maintenance are continuing costs of ownership.

. Credit cards: are obtained from banks. You can also get credit cards from department stores or gasoline companies. Note however that store or company credit cards usually charge more interest than bank credit cards. Credit cards are a major convenience, but they have costs that are not immediately noticeable. Many people find themselves losing control of their financial affairs because of incautious use of credit.

Note: I f you pay only the «minimum payment due», all you are doing is paying the credit card company interest on money it has loaned to you. You are NOT paying your debt.

. Advertisement: In Canada, you will see many things that you might like to own. Through advertising, companies encourage you to buy their products, even if you do not really need them or cannot afford them. Some salespeople and acquaintances may try very hard to sell you things. You may feel pressured to borrow and spend money. It is important to be careful and informed.

Note: Some stores have special programs that let you pay up to one year later for the things you buy. They may be advertised with slogans "Do not pay until...." Be careful to read all the details of the purchase agreement. If you fail to pay on time, you will be charged interest from the day you actually took the item home from the store.

. Tip: Major lifetime purchases, such as a house, require down payments of cash, for which people save. People who are more cautious with their money prefer to save for most of their purchases instead of using credit, for which they must pay interest charges.

. Most Canadians save money in banks, credit unions, caisses populaires, cooperatives or trust companies.
Really important and valuable informtation.
Thanks for the information.

Regards,

Green
 

GreenBD

Star Member
Dec 8, 2012
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In sha Allah 1st week of April 2014
muk said:
Welcome to Canada Checklist

□ Find a place to live
□ Apply for a Social Insurance Number (SIN)
□ Apply for a Health Card (OHIP)
□ Apply for the Canada Child Tax Benefit (CCTB)
□ Open a bank account
□ Apply for a driver's licence
□ Get information about finding a job
□ Find a settlement agency close to your home
□ Find a Community Health Centre close to your home
□ Find an Employment Resource Centre (ERC) close to your home
□ Find a public library close to your home
□ Learn about your rights as an employee
□ Learn about your rights as a tenant
□ Find out how to register your children in school
□ Get maps of streets and bus routes
□ Find English classes for you and your family
□ Find out where to shop
□ Look for information on www.settlement.org
It's surely a helpful checklist to follow.
Thanks for the information.

Best Regards,

Green