How To Immigrate To Canada From Africa Without Job Offer – 2023 Partway

Many people wish to migrate to Canada but step back with the worry of not having a offer in-hand. However, this is no longer a concern for people willing to gain Permanent Residency in Canada. The main immigration programs offered by Canada, including Express Entry System and Provincial Nominee Program, have been offering ways to Canada immigration without a job offer.

Yes! you heard it right.

Agreed that having a offer from a Canadian employer does add extra points under the Express Entry Program, but there are still existing programs in the Express Entry pool that enables you to migrate to Canada without a work offer and all you need to ensure is the right immigration program to proceed with the application process.

Immigration Programs to ensure Canada PR for applicants without a job offer

There are few a programs available, that offer Canadian PR for applicants without a offer:

1. Federal Express Entry System

One of the most known and fastest, online point-based immigration systems was launched in 2015 by the Canadian federal Government. The applicant has marked points in the Express Entry system based on six factors (of which the last two are not marked mandatory but having it could be beneficial). The selection factors include

  • Education
  • Employment experience or record
  • Age
  • Language skills (French and English)
  • Adaptability
  • Arranged Employment

Different programs in the Express Entry pool that encourages such immigration applications are:

A Federal Skilled Worker Program

The FSW program is one of the three available ways in the Express Entry which enables an individual to work in Canada, for the applicants (skilled workers) that have extensive work experience and education.

B Federal Skilled Trades Program

The FST program is the program for applicants who aim to PR based on their qualified expertise in a skilled trade.

C Canadian Experience Class

The CEC is the gateway for the applicants who previously were employed or studied in Canada and aiming for permanent residency.

2. Provincial Nominee Program

Many provinces in Canada offer different Provincial Nominee Programs as a part of PR in Canada. This PNP as we are aware accounts for 600 points in the CRS score. This major score contributor is as well your way to Canada for applicants without work offers. One of the points to be noted in this program is not all the available programs under this PNP offer PR without work offer requirements.

The Nominee Programs that offer PR without work offers are listed below with their named subcategories providing this opportunity or eligibility. They are namely,

A Saskatchewan Immigrant Nominee Program(SINP)

Saskatchewan’s provincial program has been very promising for newcomers with a high employment rate at around 76%.

There are three categories of immigration to Saskatchewan:

  • Occupation in-demand category
  • Express Entry Subcategory

B Nova Scotia Nominee Program(NSNP)

This program was launched in the year 2003. It address economic and labour market needs through its immigration program. Thus, welcoming close to 7,000 new immigrants every year.

Below are the streams of immigration to Nova Scotia:

  • Nova Scotia Experience: Express Entry
  • Nova Scotia Labour Market Priorities
  • Nova Scotia Physicians
  • Nova Scotia Demand express entry
  • Nova Scotia Skilled Worker
  • Nova Scotia Entrepreneur
  • Nova Scotia International Graduate Entrepreneur
  • Nova Scotia Occupations In Demand

C Ontario Immigrant Nominee Program (OINP)

Ontario Immigrant Nominee Program was launched in the year 2007. Ontario offers a variety of jobs, a high income, and a diverse population. It nominates around 8,000 newcomers every year.

There are three categories of immigration to Ontario:

  • Human Capital Category
  • Masters or PhD Category
  • Employer Job Offer Category
  • Business Category

DManitoba Provincial Nominee Program (MPNP)

Manitoba Provincial Nominee Program was Canada’s first PNP program and it was launched in the year 1998. It nominates around 5,000 new immigrants every year.

If you wish to migrate to Manitoba, You can choose from the following categories.

  • Skilled Worker in Manitoba Stream
  • Skilled Worker Overseas Stream
  • Manitoba Business Investor Stream
  • International Education Stream
  • Morden Community Driven Initiative

EAlberta Immigrant Nominee Program (AINP)

Alberta Province targets Immigrants with skills and experience to meet skill shortage. There is great demand for Individuals who intend to acquire or set up a business. If nominated for this province, candidates can apply for permanent residence with their spouse and dependent children.

If you wish to migrate to Alberta, You can choose from the following categories.

  • Alberta Opportunity Stream for skilled workers
  • Alberta General Express Entry Stream
  • Alberta Accelerated Tech Pathway
  • Rural Renewal Stream

Essential tips for Indians to secure a job in Canada

Wondering ways to start working in Canada from India? We have a few tips listed for you.

1Register a job Bank account

Register a job Bank account

When an applicant creates their express entry profile, if he wants to get a work offer, it is suggested to create a bank account, during his profile registration in Express Entry System.

2Scan through Job sites

scan through job sites

Search through the sites like monster.com, indeed.com, etc. for updated or current opportunities in Canada.

3Contact Placement Consultants

contact placement consultants

Recruitment agencies and consultants also have great options and suggestions to search and apply for jobs internationally from India.

4Leverage LinkedIn Profile

leverage linkedIn profile

LinkedIn is currently a very active source for building business connections and searching for jobs. This medium can be as well useful for your search for Canadian jobs. A tip here is to connect or add a Canadian employer, which could improve your visibility to possible working opportunities..

Prioritize gaining Permanent Residency and follow it with job search in Canada

You can first focus on getting approval for PR and then proceed with the search or applying in the country as the Canadian PR has a validity of a year i.e. equal to your medical certificate’s validity term, which was attached to your Visa application process.

Henceforth, you need to relocate to Canada within a year, or else it would lead to the expiry of PR approval. These 12 months are the time you gain for landing in the country and securing a job in the province or city.

Concluding Remarks:

Unlike many other developed countries, Canada provides ample opportunities for immigrants to land in the country before even securing a job. This shows their willingness and friendly welcoming culture and their belief in equal opportunity for international expertise all along. Being highly versatile and dynamic the Canadian immigration system has been trying to ensure a more balanced distribution of benefits of immigration throughout the country.

How To Immigrate To Canada From Africa Without Job Offer – 2023

Many people wish to migrate to Canada but step back with the worry of not having a offer in-hand. However, this is no longer a concern for people willing to gain Permanent Residency in Canada. The main immigration programs offered by Canada, including Express Entry System and Provincial Nominee Program, have been offering ways to Canada immigration without a job offer.

Yes! you heard it right.

Agreed that having a offer from a Canadian employer does add extra points under the Express Entry Program, but there are still existing programs in the Express Entry pool that enables you to migrate to Canada without a work offer and all you need to ensure is the right immigration program to proceed with the application process.

Immigration Programs to ensure Canada PR for applicants without a job offer

There are few a programs available, that offer Canadian PR for applicants without a offer:

1. Federal Express Entry System

One of the most known and fastest, online point-based immigration systems was launched in 2015 by the Canadian federal Government. The applicant has marked points in the Express Entry system based on six factors (of which the last two are not marked mandatory but having it could be beneficial). The selection factors include

  • Education
  • Employment experience or record
  • Age
  • Language skills (French and English)
  • Adaptability
  • Arranged Employment

Different programs in the Express Entry pool that encourages such immigration applications are:

A Federal Skilled Worker Program

The FSW program is one of the three available ways in the Express Entry which enables an individual to work in Canada, for the applicants (skilled workers) that have extensive work experience and education.

B Federal Skilled Trades Program

The FST program is the program for applicants who aim to PR based on their qualified expertise in a skilled trade.

C Canadian Experience Class

The CEC is the gateway for the applicants who previously were employed or studied in Canada and aiming for permanent residency.

2. Provincial Nominee Program

Many provinces in Canada offer different Provincial Nominee Programs as a part of PR in Canada. This PNP as we are aware accounts for 600 points in the CRS score. This major score contributor is as well your way to Canada for applicants without work offers. One of the points to be noted in this program is not all the available programs under this PNP offer PR without work offer requirements.

The Nominee Programs that offer PR without work offers are listed below with their named subcategories providing this opportunity or eligibility. They are namely,

A Saskatchewan Immigrant Nominee Program(SINP)

Saskatchewan’s provincial program has been very promising for newcomers with a high employment rate at around 76%.

There are three categories of immigration to Saskatchewan:

  • Occupation in-demand category
  • Express Entry Subcategory

B Nova Scotia Nominee Program(NSNP)

This program was launched in the year 2003. It address economic and labour market needs through its immigration program. Thus, welcoming close to 7,000 new immigrants every year.

Below are the streams of immigration to Nova Scotia:

  • Nova Scotia Experience: Express Entry
  • Nova Scotia Labour Market Priorities
  • Nova Scotia Physicians
  • Nova Scotia Demand express entry
  • Nova Scotia Skilled Worker
  • Nova Scotia Entrepreneur
  • Nova Scotia International Graduate Entrepreneur
  • Nova Scotia Occupations In Demand

C Ontario Immigrant Nominee Program (OINP)

Ontario Immigrant Nominee Program was launched in the year 2007. Ontario offers a variety of jobs, a high income, and a diverse population. It nominates around 8,000 newcomers every year.

There are three categories of immigration to Ontario:

  • Human Capital Category
  • Masters or PhD Category
  • Employer Job Offer Category
  • Business Category

DManitoba Provincial Nominee Program (MPNP)

Manitoba Provincial Nominee Program was Canada’s first PNP program and it was launched in the year 1998. It nominates around 5,000 new immigrants every year.

If you wish to migrate to Manitoba, You can choose from the following categories.

  • Skilled Worker in Manitoba Stream
  • Skilled Worker Overseas Stream
  • Manitoba Business Investor Stream
  • International Education Stream
  • Morden Community Driven Initiative

EAlberta Immigrant Nominee Program (AINP)

Alberta Province targets Immigrants with skills and experience to meet skill shortage. There is great demand for Individuals who intend to acquire or set up a business. If nominated for this province, candidates can apply for permanent residence with their spouse and dependent children.

If you wish to migrate to Alberta, You can choose from the following categories.

  • Alberta Opportunity Stream for skilled workers
  • Alberta General Express Entry Stream
  • Alberta Accelerated Tech Pathway
  • Rural Renewal Stream

Essential tips for Indians to secure a job in Canada

Wondering ways to start working in Canada from India? We have a few tips listed for you.

1Register a job Bank account

Register a job Bank account

When an applicant creates their express entry profile, if he wants to get a work offer, it is suggested to create a bank account, during his profile registration in Express Entry System.

2Scan through Job sites

scan through job sites

Search through the sites like monster.com, indeed.com, etc. for updated or current opportunities in Canada.

3Contact Placement Consultants

contact placement consultants

Recruitment agencies and consultants also have great options and suggestions to search and apply for jobs internationally from India.

4Leverage LinkedIn Profile

leverage linkedIn profile

LinkedIn is currently a very active source for building business connections and searching for jobs. This medium can be as well useful for your search for Canadian jobs. A tip here is to connect or add a Canadian employer, which could improve your visibility to possible working opportunities..

Prioritize gaining Permanent Residency and follow it with job search in Canada

You can first focus on getting approval for PR and then proceed with the search or applying in the country as the Canadian PR has a validity of a year i.e. equal to your medical certificate’s validity term, which was attached to your Visa application process.

Henceforth, you need to relocate to Canada within a year, or else it would lead to the expiry of PR approval. These 12 months are the time you gain for landing in the country and securing a job in the province or city.

Concluding Remarks:

Unlike many other developed countries, Canada provides ample opportunities for immigrants to land in the country before even securing a job. This shows their willingness and friendly welcoming culture and their belief in equal opportunity for international expertise all along. Being highly versatile and dynamic the Canadian immigration system has been trying to ensure a more balanced distribution of benefits of immigration throughout the country.

Canada Wants To Welcome One Million Immigrants From Congo, Others In 2023

According to Canada’s 2023–2025 Immigration Levels Plan released on Tuesday, the North American country embraces immigration as a strategy to help businesses find workers.

Canada’s Minister of Immigration, Refugees and Citizenship, Sean Fraser, said the plan will attract the skills required in key sectors like health care, manufacturing and technology.

Canada is famed for its multiculturalism, cosmopolitan and green cities, beautiful lakes, robust economy, low crime rate, and Canadians unparalleled hospitality. Canada is a North American country with the longest freshwater beach measuring 202,080 km.

In order to visit and explore this alluring country, a visa must be issued by the Canadian authority which will authorize your stay. Canadian Visa is issued when an immigrant or visitor requests to visit, study, live or work in the country. The visa offers authorization to either study, visit, live or work.

Obtaining a Canada visa can be onerous and frustrating, the entire process involves a lot of paperwork and money obviously. But hey do not despair, Canada is among few countries that are generous to immigrants. There are different types of Canadian visa, and they all have their unique requirements. But do you know you can travel to Canada without a visa? I am sure you are feeling enthusiastic about visiting the home of ‘Poutine’.

Citizens of certain countries are privileged to travel to Canada without the hassle of acquiring a visa. Just their valid passport will suffice and their entry into Canada is guaranteed.

Not long ago the Canadian government introduced ETA (Electronic Travel Authorization), nationals of visa-exempt countries who wish to enter Canada by air has to apply for ETA online before their departure to Canada. ETA is not required for nationals of visa-exempt countries who are entering Canada by road.

Who Needs An ETA (Electronic Travel Authorization)

Are you are a citizen of visa-exempt countries? Are you transitioning by air through Canada? If your answer is affirmative then you need an ETA.

United States of America Citizens and Permanent Resident

U.S. citizens only need their valid passport to enter Canada, citizens of the United States are not required to apply for ETA. However permanent resident of the United States of America must apply for an ETA before their departure to Canada through the air.

Dual Citizens

If you are a proud owner of a Canadian Passport and a citizen of another country, you are exempted from ETA. However, your Canadian passport must accompany you during your entry into Canada via air.

Canadian Permanent Residents

Canadian permanent residents need only their travelling documents when travelling to Canada.

Applying For An ETA

ETA application can be done online seamlessly in minutes and it costs only $7 CAD, approved ETA validity is five years once granted. ETA is an electronic document, you will not be issued a physical document by the Canadian government.

List Of Visa Exempt Countries

Citizens of the following countries are visa exempted when entering Canada but requires ETA when boarding a flight.

  • Andorra
  • Australia
  • Austria
  • Bahamas
  • Barbados
  • Belgium
  • British citizen
  • British National (Overseas)
  • British overseas citizen (re-admissible to the United Kingdom)
  • British overseas territory citizen with citizenship through birth, descent, naturalization or registration in one of the British overseas territories of:
    • Anguilla
    • Bermuda
    • The British Virgin Islands
    • Cayman Islands
    • Falkland Islands (Malvinas)
    • Gibraltar
    • Montserrat
    • Pitcairn Island
    • Saint Helena
    • Turks and Caicos Islands
  • British Subject with a right of abode in the United Kingdom
  • Brunei Darussalam
  • Bulgaria
  • Chile
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong Special Administrative Region of the People’s Republic of China must have a passport issued by Hong Kong SAR.
  • Hungary
  • Iceland
  • Ireland
  • Israel must have a national Israeli passport
  • Italy
  • Japan
  • Republic of Korea
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Mexico
  • Monaco
  • Netherlands
  • New Zealand
  • Norway
  • Papua New Guinea
  • Poland
  • Portugal
  • Romania (electronic passport holders only)
  • Samoa
  • San Marino
  • Singapore
  • Slovakia
  • Slovenia
  • Solomon Islands
  • Spain
  • Sweden
  • Switzerland
  • Taiwan must have an ordinary passport issued by the Ministry of Foreign Affairs in Taiwan that includes the personal identification number
  • United Arab Emirates
  • The United States, lawful permanent resident of
  • Vatican City State must have a passport or travel document issued by the Vatican.

How To Apply

Before you apply kindly go through the listed below as it would help you during your application

1. Your Personal Finance:

Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.

When planning personal finances, the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment in private equity, (companies’ shares, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of and- or employer-sponsored retirement plans, social security benefits, and income tax management.

2. Insurance :

The decision to get insurance depends on your circumstances and your stage in life, such as:

  • moving in with your partner
  • starting a family
  • buying a home or renting a home or an apartment
  • starting a business
  • buying a new vehicle
  • taking a loan or getting a credit card

Insurance can protect you and your loved ones from financial loss or hardship.

Insurance can help cover costs if something unexpected happens to:

  • you or your family
  • your vehicle
  • your home
  • your belongings
  • your job

There are many insurance products that cover different types of risks.

Understand your insurance policy

An insurance policy is a legal contract between you (the insured) and the insurance company (the insurer).

An insurance policy specifies:

  • which risks are covered by your insurance company
  • under what circumstances the insurer will make a payment to you
  • how much money, or what type of benefit, you’ll get if you make a claim

Usually the policyholder is the person who owns the insurance policy. In some cases, the policyholder isn’t the insured, but rather a family member or loved one.

The amount of money or benefit you’ll get if you make a claim depends on:​

  • ​the amount of damage or loss to your car or home
  • your policy for life or health insurance

Make sure you understand what your insurance policy covers and doesn’t cover. Ask questions about anything you don’t understand.

Premiums

To get insurance you pay a fee called a premium. Usually, you pay the premium monthly, quarterly or yearly. The amount you pay as a premium may change over time for some types of insurance.

The amount you’ll pay as a premium is based on the probability that you’ll make a claim. Insurance companies charge higher premiums to people they think are more likely to make a claim.

Generally, the amount you pay as a premium depends on factors such as:

  • the type of insurance
  • your age
  • your gender
  • your medical history for life and health insurance
  • the value of the goods insured for home insurance
  • the type of car you drive for car insurance
  • the amount of coverage you need
  • your deductible
  • your claim history
  • the amount you owe for credit protection insurance

When you pay premiums, your insurance company agrees to pay a certain amount of money for any loss or damages that your policy covers.

Impact of your credit rating on premiums

When you get car or home insurance, an insurance company can charge higher premiums based on your credit rating.

Some provinces have regulations that ban the use of credit reports and credit scores in determining insurance premiums for certain types of insurance.

These provinces are:

  • Alberta: car insurance
  • Ontario: car insurance
  • Newfoundland and Labrador: home and car insurance

The Insurance Bureau of Canada(IBC) represents most home and car insurance companies in Canada. They provide standards to protect consumers when insurers choose to use credit information.

Insurance companies agree to:

  • request your consent before collecting and using your credit information
  • advise you of your right to opt out of releasing credit information
  • advise you of the consequences of opting out of releasing credit information (for example, you may not qualify for the insurer’s best rate or discounts if you have a good credit report)

To confirm if your insurance company is allowed to collect and use your credit information when determining your coverage and premiums, contact your provincial or territorial insurance regulator.

3. Mortgages in Canada :

What is a mortgage

When you buy a home, you may only be able to pay for part of the purchase price. The amount you pay is a down payment. To cover the remaining costs of the home purchase, you may need help from a lender. The loan you get from a lender to help pay for your home is a mortgage.

A mortgage is a legal contract between you and your lender. It specifies the details of your loan and it’s secured on a property, like a house or a condo.

With a secured loan, the lender has a legal right to take your property. They can do so if you don’t respect the conditions of your mortgage. This includes paying on time and maintaining your home.

Unlike most types of loans, with a mortgage:

  • your loan is secured by a property
  • you may have a balance owing at the end of your contract
  • you normally need to renew your contract multiple times until you finish paying your balance in full
  • you may have to meet qualification requirements including passing a stress test
  • you need a down payment
  • you may need to break your contract and pay a penalty
  • your loan is typically for an amount in the hundreds of thousands of dollars

What to consider when getting a mortgage

When you shop for a mortgage, your lender or mortgage broker provides you with options. Make sure you understand the options and features. This will help you choose a mortgage that best suits your needs.

This includes your:

  • mortgage principal amount
  • amortization
  • payment frequency

 

Apply Here

Canada Unveils Plan To Welcome 1.45 Million Migrants From Congo, Others In 2023

According to Canada’s 2023–2025 Immigration Levels Plan released on Tuesday, the North American country embraces immigration as a strategy to help businesses find workers.

Canada’s Minister of Immigration, Refugees and Citizenship, Sean Fraser, said the plan will attract the skills required in key sectors like health care, manufacturing and technology.

Canada is famed for its multiculturalism, cosmopolitan and green cities, beautiful lakes, robust economy, low crime rate, and Canadians unparalleled hospitality. Canada is a North American country with the longest freshwater beach measuring 202,080 km.

In order to visit and explore this alluring country, a visa must be issued by the Canadian authority which will authorize your stay. Canadian Visa is issued when an immigrant or visitor requests to visit, study, live or work in the country. The visa offers authorization to either study, visit, live or work.

Obtaining a Canada visa can be onerous and frustrating, the entire process involves a lot of paperwork and money obviously. But hey do not despair, Canada is among few countries that are generous to immigrants. There are different types of Canadian visa, and they all have their unique requirements. But do you know you can travel to Canada without a visa? I am sure you are feeling enthusiastic about visiting the home of ‘Poutine’.

Citizens of certain countries are privileged to travel to Canada without the hassle of acquiring a visa. Just their valid passport will suffice and their entry into Canada is guaranteed.

Not long ago the Canadian government introduced ETA (Electronic Travel Authorization), nationals of visa-exempt countries who wish to enter Canada by air has to apply for ETA online before their departure to Canada. ETA is not required for nationals of visa-exempt countries who are entering Canada by road.

Who Needs An ETA (Electronic Travel Authorization)

Are you are a citizen of visa-exempt countries? Are you transitioning by air through Canada? If your answer is affirmative then you need an ETA.

United States of America Citizens and Permanent Resident

U.S. citizens only need their valid passport to enter Canada, citizens of the United States are not required to apply for ETA. However permanent resident of the United States of America must apply for an ETA before their departure to Canada through the air.

Dual Citizens

If you are a proud owner of a Canadian Passport and a citizen of another country, you are exempted from ETA. However, your Canadian passport must accompany you during your entry into Canada via air.

Canadian Permanent Residents

Canadian permanent residents need only their travelling documents when travelling to Canada.

Applying For An ETA

ETA application can be done online seamlessly in minutes and it costs only $7 CAD, approved ETA validity is five years once granted. ETA is an electronic document, you will not be issued a physical document by the Canadian government.

List Of Visa Exempt Countries

Citizens of the following countries are visa exempted when entering Canada but requires ETA when boarding a flight.

  • Andorra
  • Australia
  • Austria
  • Bahamas
  • Barbados
  • Belgium
  • British citizen
  • British National (Overseas)
  • British overseas citizen (re-admissible to the United Kingdom)
  • British overseas territory citizen with citizenship through birth, descent, naturalization or registration in one of the British overseas territories of:
    • Anguilla
    • Bermuda
    • The British Virgin Islands
    • Cayman Islands
    • Falkland Islands (Malvinas)
    • Gibraltar
    • Montserrat
    • Pitcairn Island
    • Saint Helena
    • Turks and Caicos Islands
  • British Subject with a right of abode in the United Kingdom
  • Brunei Darussalam
  • Bulgaria
  • Chile
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong Special Administrative Region of the People’s Republic of China must have a passport issued by Hong Kong SAR.
  • Hungary
  • Iceland
  • Ireland
  • Israel must have a national Israeli passport
  • Italy
  • Japan
  • Republic of Korea
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Mexico
  • Monaco
  • Netherlands
  • New Zealand
  • Norway
  • Papua New Guinea
  • Poland
  • Portugal
  • Romania (electronic passport holders only)
  • Samoa
  • San Marino
  • Singapore
  • Slovakia
  • Slovenia
  • Solomon Islands
  • Spain
  • Sweden
  • Switzerland
  • Taiwan must have an ordinary passport issued by the Ministry of Foreign Affairs in Taiwan that includes the personal identification number
  • United Arab Emirates
  • The United States, lawful permanent resident of
  • Vatican City State must have a passport or travel document issued by the Vatican.

How To Apply

Before you apply kindly go through the listed below as it would help you during your application

1. Your Personal Finance:

Personal finance is the financial management which an individual or a family unit performs to budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.

When planning personal finances, the individual would consider the suitability to his or her needs of a range of banking products (checking, savings accounts, credit cards and consumer loans) or investment in private equity, (companies’ shares, bonds, mutual funds) and insurance (life insurance, health insurance, disability insurance) products or participation and monitoring of and- or employer-sponsored retirement plans, social security benefits, and income tax management.

2. Insurance :

The decision to get insurance depends on your circumstances and your stage in life, such as:

  • moving in with your partner
  • starting a family
  • buying a home or renting a home or an apartment
  • starting a business
  • buying a new vehicle
  • taking a loan or getting a credit card

Insurance can protect you and your loved ones from financial loss or hardship.

Insurance can help cover costs if something unexpected happens to:

  • you or your family
  • your vehicle
  • your home
  • your belongings
  • your job

There are many insurance products that cover different types of risks.

Understand your insurance policy

An insurance policy is a legal contract between you (the insured) and the insurance company (the insurer).

An insurance policy specifies:

  • which risks are covered by your insurance company
  • under what circumstances the insurer will make a payment to you
  • how much money, or what type of benefit, you’ll get if you make a claim

Usually the policyholder is the person who owns the insurance policy. In some cases, the policyholder isn’t the insured, but rather a family member or loved one.

The amount of money or benefit you’ll get if you make a claim depends on:​

  • ​the amount of damage or loss to your car or home
  • your policy for life or health insurance

Make sure you understand what your insurance policy covers and doesn’t cover. Ask questions about anything you don’t understand.

Premiums

To get insurance you pay a fee called a premium. Usually, you pay the premium monthly, quarterly or yearly. The amount you pay as a premium may change over time for some types of insurance.

The amount you’ll pay as a premium is based on the probability that you’ll make a claim. Insurance companies charge higher premiums to people they think are more likely to make a claim.

Generally, the amount you pay as a premium depends on factors such as:

  • the type of insurance
  • your age
  • your gender
  • your medical history for life and health insurance
  • the value of the goods insured for home insurance
  • the type of car you drive for car insurance
  • the amount of coverage you need
  • your deductible
  • your claim history
  • the amount you owe for credit protection insurance

When you pay premiums, your insurance company agrees to pay a certain amount of money for any loss or damages that your policy covers.

Impact of your credit rating on premiums

When you get car or home insurance, an insurance company can charge higher premiums based on your credit rating.

Some provinces have regulations that ban the use of credit reports and credit scores in determining insurance premiums for certain types of insurance.

These provinces are:

  • Alberta: car insurance
  • Ontario: car insurance
  • Newfoundland and Labrador: home and car insurance

The Insurance Bureau of Canada(IBC) represents most home and car insurance companies in Canada. They provide standards to protect consumers when insurers choose to use credit information.

Insurance companies agree to:

  • request your consent before collecting and using your credit information
  • advise you of your right to opt out of releasing credit information
  • advise you of the consequences of opting out of releasing credit information (for example, you may not qualify for the insurer’s best rate or discounts if you have a good credit report)

To confirm if your insurance company is allowed to collect and use your credit information when determining your coverage and premiums, contact your provincial or territorial insurance regulator.

3. Mortgages in Canada :

What is a mortgage

When you buy a home, you may only be able to pay for part of the purchase price. The amount you pay is a down payment. To cover the remaining costs of the home purchase, you may need help from a lender. The loan you get from a lender to help pay for your home is a mortgage.

A mortgage is a legal contract between you and your lender. It specifies the details of your loan and it’s secured on a property, like a house or a condo.

With a secured loan, the lender has a legal right to take your property. They can do so if you don’t respect the conditions of your mortgage. This includes paying on time and maintaining your home.

Unlike most types of loans, with a mortgage:

  • your loan is secured by a property
  • you may have a balance owing at the end of your contract
  • you normally need to renew your contract multiple times until you finish paying your balance in full
  • you may have to meet qualification requirements including passing a stress test
  • you need a down payment
  • you may need to break your contract and pay a penalty
  • your loan is typically for an amount in the hundreds of thousands of dollars

What to consider when getting a mortgage

When you shop for a mortgage, your lender or mortgage broker provides you with options. Make sure you understand the options and features. This will help you choose a mortgage that best suits your needs.

This includes your:

  • mortgage principal amount
  • amortization
  • payment frequency

 

Apply Here

Apply for a Work Visa in Canada in This Year

If you really have what it takes to immigrate to Canada and start a new life, then besides being a spectacular country with breath- taking process, Canada welcomes non-natives who are looking for a greener pasture in order to improve their life.

The country offers varieties of job openings for many skill sets in which includes the public and private sectors. And according to Skilled worker, a global reclamation agency for professed professionals from all over the world, there are 15 jobs that Canada is presently falling short of. And jobs in the service sector such as Health care, technology and colorful business diligence are high in demand in Canada for this year (2022).

The below details shows that emigrants are the backbone of Canada’s nippy profitable recovery since the jobs lost were incontinently filled by emigrants. And it goes without saying that Canada is a largely- developed country which explains why so many people are willing to immigrate to Canada in the expedient of a better future for themselves and their families. Also, it  has lately been reported that the Canadian government is presently addressing the labour shortage in Canada.

So if you are ready to start your trip and apply for a Canadian work visa, we will take you through the way to get you started.

As a way forward, the preface of the Temporary Foreign Worker which is ‘TFW’ Program Quebec Pilot Program will be running until December 31, 2023. And the TFW program presently accommodates advanced professed workers-though the forthcoming perpetration of the NOC C position occupations will be effective from May 24, 2022. And the increment of (NOC C) occupations has given room for more inflexibility in addressing the labour force needs.

So, if you qualify for a work permit in Canada and you ’re wondering if your skill set is high in demand in Canada. Just below information will help you find the top job openings in Canada for the (2022) market with its specified NOC C position occupations that separate the colorful skill situations.

Then here are the top job Openings in Canada for the year  2022

High in demand job | NOC C position occupations| Anticipated payment

The Software Developer NOC  is 2174 and the payment is $74,997

The Marketing Manager NOC is 0124 and the payment is $84,376

The Registered Nurse  NOC is  3012 and the payment is $78,000

The Delivery Truck Driver NOC is 7514 and the payment is $33,150

The Customer Service Representative NOC is  6552  and the payment is $33,150

The Welder  NOC is 7237  and the payment is $49,725

The Engineer NOC is 2131 and the payment is $80,340

The Accountant NOC is 1111 and the payment is $69,712

The Human Resources Manager NOC  is 0112 and the payment is $96,993

The Electrician NOC is 7241  and the payment is $103,116

So by now you must have recognized your skill set and you ’re ready to find out what the coming way involves to get a work visa in Canada.

So in order to gain a Canadian work visa or work permit, individualities would have to show evidence of eligibility to immigrate to Canada. But still, you can only apply for a work permit once you ’ve successfully secured an offer of employment from a Canadian employer.

The Step by Step Guideline

Stage1: Choosing the right work permit

It’s not a must, you will need a work permit because some applications don’t demand it in Canada. And again, it will be pressing the situation in which a work permit is demanded to immigrate to Canada. And you need to conclude on the right work permit that’s suitable for you. So we have  essential types of work permits and they includes:

>> Employer-specific work permit – So this type of work permit must misbehave with the conditions of the job which would outline applicable information pertaining to the job.

The permit is more formal, in that it also allows an outsider to undergo some redundant procedures that is similar to also carrying out a Labour ”’Market Impact Assessment…. (LMIA) from ”’Employment and Social Development Canada”. The document stands as an authorization to all the Canadian employers who wish to hire an outsider to fill the employment part. So while this step substantially applies to the employer, it’s important to understand the process involved when applying as an outsider for a work visa in Canada.

Stage2: Opening  work permit

Just know that this permit is intended for a specific job. Again, an outsider is also allowed to work for any country’s employer as long as the employer also complies with the guidelines that’s being mapped out by the Canadian government. And if you qualify for an open work permit, you may not need an LMIA or evidence of an employment offer letter.

Stage3. Finding out if you’re eligible to work in Canada.

Again, it also depends on your country in which you are running the application from, all aspirants have specific conditions that should be met. And whether you ’re an international students or a outsider who has a job lined up in Canada, these are the conditions for all aspirants:

  • Just provide a proof that you intend to leave Canada immediately the quested time of your work permit;
  • And if you ’re an transnational pupil or a partner or a common law mate of a professed worker;
  • You must have the capability to give for yourself or a family member should they join you;
  • You must a police clearance instrument that shows you have no felonious record;
  • Then, to observe the law and chorus from any felonious exertion in Canada;
  • Again, have a medical test that proves you ’re in good health;

So to make sure that you only work for Canadian employers who misbehave with the guidelines, for instance, an employers who aren’t involved in felonious exertion or anything that the government takes as unlawful or illegal for their employers, and

And again, tp give any other outstanding form similar as an LMIA that shows you ’re allowed to enter the country.

Stage3:  Applying  for a work permit in Canada

All the people applying for a work permit in Canada must surely be vaccinated and as well as exempted themselves  from [‘COVID-9’] restrictions. And a good place to start would be the Canadian government where you would have to elect where you ’re applying from  or whether or not you ’re applying inside or outside the country.

Stage4: Posting application on what happens after you submit your work visa operation?

Again submit your biometrics that correspond to your fingerprints and print, and in case your application is from outside of Canada. And are there applications that don’t bear biometrics which is true. But according to Canadian government, you don’t need to give your biometrics if:

  • You’re 17 old or young enough, And 61 times old or aged.
  • If you ’re someone who had your Canadian visa preliminarily approved.

Likewise, the Immigration, Regulation and Citizenship Canada (IRCC) would reuse your operation and corroborate the following information:

  • Again to confirm the genuinity of the employer and as well know they’ve followed the employer guidelines set out by the Canadian government; and
  • Again, if you qualify for a work permit, a medical test would conceivably have to be presented.

So once the information is verified, you’ll receive an acceptance letter which is a letter that confirms you ’re eligible to work in Canada. And again, don’t mistake the blessing letter for your work permit as this letter should be shown to the border services officers at the harborage of entry. And you’ll get your work permit at the border once you land in Canada.

Stage5. Prepare for the day you arrive in Canada

This is the season of appearance in Canada,  And you have to ensure that you have all documents prepared for the border services officer. Then you should have the following and important documents required.

  • Your Passport
  • Your  Work visa
  • Your Letter of blessing,
  • LMIA, and
  • Any other outstanding documents that prove you ’re eligible to apply for a work permit and shows that your application was successful

And note: Your work permit will be published after the border officers have verified all your documents. And it’s important to double check your permit for any miscalculations before leaving the harbor of entry.

Stage6:  Then what are the conditions of the work permit?

At this point, you ’ve proven eligibility to apply for a work permit and you ’ve been approved by the border officers….. As you are prepared to start your new job in Canada, but before you do so, you need to note the following:

  •  Ensuring you understand the conditions of your work permit and that you meet those conditions.
  • Familiarizing yourself with the Social Insurance Number (SIN) which allows you access to colorful government programs.
  • Making sure you understand Canada’s labour laws, contract and casing which plays a vital part in making your stay comfortable.

The FAQ’s

So for how long will it take to get a work permit in Canada 2022?

Actually, the waiting can be disappointing for foreign citizens, including those who want to immigrate to Canada. But different Canadian visas will have different processing times depending on your skill set or occupation position. And the Immigration, Refugees and Citizenship Canada (IRCC) will be recycling all documents and this depends on the backlog of visa operations

Then what’s the age limit for a working visa in Canada?

Again, the candidates in their 30s are generally in the peak of their careers and are looking to also give professional growth. So Canada’s Express Entry system for immigration operates on a point ranking system for those who are seeking to immigrate to Canada for better financial earnings. And the ideal of the points systems is to attract those between 18 to 30. And Canada wants to attract youthful, skillful candidates who can add value to the Canadian economy.

Immigrate To Canada As A Fashion Designer

 

Immigrate To Canada As A Fashion Designer – Are you are fashion designer and you are looking for how to immigrate to Canada? Well, there is good news for you and the news is that you can actually immigrate to Canada and easily too.

The Canadian government in a bid to reach its immigration target because of how the pandemic affected immigration to the country has extended its target to 1.23 million immigrants within the next three years. With this, it has initiated over a hundred immigration programs through which immigrants can go through to immigrate to Canada irrespective of your occupation or profession as long as it is among the occupations in-demand in the country.

Fashion designers are highly in demand in Canada presently as we all know that fashion is a trending business in the world today alongside entertainment. Who doesn’t want to look good? Being a fashion designer requires lots of creative and there are many opportunities for you a fashion designer in Canada as there are many fashion houses in the country.

You can also decide to study fashion design in Canada as there are some school in Canada for fashion designing like the Ryerson University of Fashion and George Brown College in Ontario. They offer great courses in fashion designing and prepare you for the fashion world.

Immigrating to Canada means you stand to enjoy lots of benefits like good standard of living, safety, multicultural community to inspire your creativity and many others.

So without further ado, let’s run you through how you can immigrate to Canada as a fashion designer.

How To Immigrate To Canada As A Fashion Designer

Like we mentioned earlier that there are over 100 immigration programs that you can go through if you want to immigrate to Canada and as a fashion designer, there are a few immigration program that you can go through that will make your immigration process easy.

We are going to be looking at two immigration program.

The Express Entry System

The program is seen to be one of the most popular immigration programs in Canada and it is an online program through which immigrants can get permanent residence in Canada. In this program, applicants are to create an online profile with some information like work experience, educational qualification, language proficiency in English or French, proof of sufficient funds to support you in Canada etc.

In this program, applicants are given a score after they must have completed their online profile. They will be ranked based on a comprehensive ranking system in a draw pool and the applicants that meet or exceed the CRS cut-off score will receive an Invitation to Apply (ITA) for permanent residence in Canada.

The draw is done twice in a month and if you were not successful the first time, you can actually improve your CRS score to be able to meet or exceed the CRS cut-off score and qualify for an ITA for permanent residence.

The Express Entry System has three federal immigration programs under it and they are:

  • Federal Skilled Trades Program
  • Federal Skilled Worker Program
  • Canadian Experience Class

How will the Express Entry System Help you Immigrate to Canada as a Fashion Designer?

Under the Express Entry System, the federal program you can go through to immigrate to Canada as a fashion designer is the Federal Skilled Trades Program (FSTP). Since fashion designing is a trade job, it falls into the National Occupation Classification (NOC) 5243 under the FSTP. This program is for qualified trade workers or immigrants withy skills, training, experience or qualifications in trade jobs who want to become permanent residents in Canada.

You don’t really need a job offer when applying for through this program. Let’s look at some of the requirements for this program:

  • You should not be lower than 18 years of age
  • There is no educational requirement for a skilled trade worker but having it can increase you score.
  • You should have a paid work experience of at least two years whether part-time or full-time
  • You must meet the required language level in English or French in each language ability (speaking, writing, reading and listening)
  • You should have sufficient funds to support you to settle in Canada and also take care of any other family member coming with you unless you have a valid job offer
  • You must successfully pass the security background check meaning you have no criminal record
  • You must pass the medical examination check meaning you are in sound health

Still under the Express Entry System, you can still go through the Canadian Experience Class only if you have a Canadian work experience meaning that you must have worked for an employer in Canada for at least one year in the last three years during the application for permanent residence in Canada. It’s either you have worked as a Temporary Foreign worker or as a post graduate student. This experience gives you an opportunity to apply for permanent residence through this program.

The Provincial Nomination Program

This is a provincial immigration program in conjunction with the Immigration, Refugees and Citizenship Canada. The program is designed to help provinces in Canada hire foreign skilled worker to fill up labour shortages in the province and contribute to the economy of the province. The provinces set out their own requirements and are responsible for nominating candidates depending on how eligible they are and if they meet the requirements the province has set out and the Canadian government will then approve the candidates to be invited to Canada.

As a fashion designer, you have the advantage of getting a nomination from a province in Canada as this profession and skill is in demand in many provinces and if you have enough experience, you can easily get a job offer from an employer in any of the province you want to reside in. You can decide to go through the direct application where you will have a submit your application through mail or courier services or the Express Entry application process linked with PNP which is faster as you will have to show interest in a particular province when creating your online profile.

What Cities In Canada Can You Immigrate To As A Fashion Designer?

One thing that would make you immigration to Canada as a fashion designer easy and fast is if you want to live and work in a province where fashion designers are needed and to the best of our knowledge, fashion designers are in high demand in many provinces in Canada especially the top and capital cities of some provinces.

We will be looking at some top cities in Canada where you can immigrate to as a fashion designer:

  • Toronto in Ontario

It is the capital city of Ontario and it is the most populous city in Canada. It is known for finance, fashion, arts, business and the fourth most populous city in North America. The city has lots of amazing perks like good quality of life and commercial business; Toronto is a very industrious city.

It is seen to be the largest fashion home in Canada and you can find different fashion brands in this wonderful city.

As a fashion designer, you could be earning around $50, 659 to $73, 000 as an average annual salary.

  • Vancouver in British Columbia

This is a major city in the western Canada and the most populous city in British Columbia. It is seen as one of the top five cities in the world with a good quality of life though it is expensive to live in. you get to spend some time at the Vancouver Island.

It is one of Canada’s popular fashion cities and you will find the head office of some notable fashion brands like Lululemon, Aritzia and some others in the city. As a fashion designer, you could be earning an average annual salary of about $63, 555 to $109, 507.

  • Montreal in Quebec

This city is the most populous city in Quebec and the second most populous city in Canada. It is the commercial capital of Canada as it has seen many businesses in the city flourish. The primary language in this city is French and it is known as the European capital of Canada. It is a beautiful city that offers you a lot of reasons to live and work there.

It is seen as the French fashion capital and you get to see a lot of fashion homes and boutiques in the city. It is not really easy immigrating to Quebec because it has its own immigration system unlike other provinces in Canada.

As a fashion designer, you could be earning an average annual salary of about $42, 000 to $51, 500.

Why You Need A Sponsor To Get To Canada

What is the easiest way to travel to Canada? When you think about migrating to Canada either with your family or by yourself, the first thing you should think about is how to get to Canada faster or the easiest pathway to Canada. Although, there have been many acclaimed easy routes to Canada, one of the fastest and tested pathways to Canada is through sponsorship.

So, if you want to migrate to Canada fast, you need a job in Canada, or you want to permanently base in Canada, you need a sponsor for that. The Canadian government has made it so easy for family members who are in Canada to bring their relatives, dependent children, grandparents, and parents to Canada using the family sponsorship visa. There is also a sponsorship visa for spouses and conjugal partners to bring their loved ones to Canada.

One interesting part about a Canadian sponsorship visa is that anyone can be sponsored as long as you get a job and you meet the requirements. Employers in Canada are allowed to also sponsor a non-Canadian or an immigrant to Canada provided that there are no other Canadian or permanent residents available for the job or meet the skillset required for the job, and you meet the requirements to migrate and work in Canada.

Why You Need A Sponsor To Get To Canada

Aside from the fact that it is one of the easiest routes to move to Canada with little or no stress at all, you will also be saved from the hassle of searching through thousands of visa programs in Canada looking for the one that is best for you.

As a family, you have the opportunity to bring your loved ones to Canada and unite with them. However, you must be at least 18 years and above, a Canadian citizen, or permanent resident, before you are eligible to become a sponsor.

The entire process of applying and obtaining a Canadian visa (which includes a complicated language testing, documents compilation, and biometric screening. Which will most likely take six months or more in most cases) is so complex that when you are rejected the thought of starting all over again is a nightmare. Having a sponsor will not reducing the requirements needed for the visa, but it will most likely guarantee that when you meet the requirements, you will most definitely be guaranteed a visa to Canada.

Because Canada is in search of skilled workers who can improve their economy, they introduced the Employers Sponsorship Visa program to help attract skilled workers from across the globe to Canada. Majority of the skilled immigrant who is applying for a job in Canada has to either obtain sponsorship from the Canadian government, provincial government, or from a private firm in Canada which are the main source of employment sponsorship visa in Canada. You can also read our guide on how to get sponsorship to Canada.

Some of the best programs through which the Canadian government sponsor foreign workers to Canada is through the Federal Skilled Worker Program and the Canadian express entry, these programs contribute a huge part in the number of skilled immigrants coming to Canada. Once you obtain a job offer from an employer in Canada and you meet the basic requirements for a work permit, you are sure to be sponsored to Canada.

Private firms can also sponsor a foreign worker. To do that, they must first obtain the Labor Market Impact Assessment document which will show or prove that there is a need to hire a particular foreigner to fill up a vacant position.

Why You Need A Sponsor To Get To Canada

How To Get A Sponsor to Canada For Free

Simple ways you can get free sponsorship to Canada is if you have Canadian Citizen or Permanent Resident who is either your relative, spouse, conjugal partner, or child who is above 18 years residing in Canada. And if you don’t have anyone in Canada, don’t beat yourself up because there is another way and we will explain that at some point in this article.

Canada is one of the best and most beautiful countries in the world, it is regarded by many as a safe haven for those seeking a new start and greener pastures. It is also one of the most peaceful countries in the world today. Each year, Canada creates over 100,000 job vacant positions for immigrants and citizens, and if you find a job is your deal, you can always move to Canada to get one.

Thousands of immigrants move to Canada every year through different immigration programs including sponsorship from close relatives, family members, partners, and even employers. It is not very easy getting a sponsor in Canada as there are few persons who are eligible to sponsor you to Canada.

Canada understands the importance of family, that is why family sponsorship has come into existence. With this program, Canadian citizens and permanent residents who have families residing outside Canada are permitted to bring their relatives and family members to Canada

Who is Eligible to Be A Sponsor?

Only a handful of persons in Canada are permitted to sponsor you to Canada they include your close relatives of family members who are Canadian citizens and permanent residents residing in Canada, a conjugal partner or your spouse who is a permanent resident or citizen, and by extension an Employer in Canada who wish to hire an international skilled worker who is in the express entry pool. The employer however must ensure first that no Canadian citizen or permanent resident can fill up the vacant position.

What are the requirements to Become A Sponsor?

To become a sponsor in Canada

  • You must be a Canadian citizen or permanent resident currently residing in Canada.
  • Have enough funds to sponsor your relative or partner. Proof of financial resource is usually required so do well to provide one.
  • Be at least 18 years and above
  • If you were previously sponsored to Canada, you are not allowed to be a sponsor.
  • If you have previously sponsored a family member and failed to meet to requirements to be a sponsor.
  • You must put in the paper an agreement to financially support your relative, partner, who you wish to bring to Canada. The agreement stretches for as long as 20 years, depending on your relationship with who you are sponsoring.
  • Show proof that they have not been in any way subject to the community or social assistance except if they are disabled.
  • If you have been convicted for a serious crime in Canada before or currently, you are not eligible to be a sponsor.
  • You cannot sponsor more than one person to Canada. So if you have sponsored a relative before, or a family member, you will not be eligible again.
  • If you have received immigration loan and you never paid back, or you made a late payment, you may not be allowed to sponsor again.

Ways To Get A Sponsor in Canada

Family Sponsorship

Canada allows Canadian citizens and permanent residents to bring their loved ones to Canada for a family reunion through the family sponsorship program. Eligible sponsors are able to sponsor;

  • Spouse, common-law, or conjugal partner
  • Dependent child
  • Parent
  • Grandparent

Steps to sponsor your loved ones to Canada

  • After you meet all the requirements and show all the documents required, your next move is to apply to sponsor your loved one to Canada.
  • Visit Immigration, Refugees, and Citizenship Canada (IRCC) website or Office and request a sponsorship form.
  • Fill up the form adequately, and provide correct information.
  • Pay all necessary application charges including processing fees, right of permanent residence fee, and biometrics fee. You can pay either on the IRCC website or their office.
  • Done? Mail the filled form back to IRCC and await a response.

Application Charges or Fees You Should Pay

Family Member Application Charges
Dependent Child Sponsorship Fee $80Processing Fee    $80
Spouse, Parents, GrandParents, and Relatives above the 22 years Sponsorship Fee $80Processing Fee    $480Right of Permanent Residence $495
Relatives under the age of 22 years Sponsorship Fee $80Processing Fee    $80Right of Permanent Residence $495

Employment Sponsorship

This is another great way to get sponsorship to Canada if you have no relatives in Canada. And I am going to show you the best ways to go about it. Canadian employers and companies are allowed to hire international workers when they are short of workers, and if there are no Canadian citizens or permanent residents who can fill that position.

The hard task here is finding a Canadian employer willing to hire you because the certificate from your country may not have value in Canada or at least to the employer. Read on to know how to get an employer to sponsor you.

How Do I Find An Employer To Sponsor Me?

You may not have known, but there are many Canadian employers out there even in your country who are currently recruiting foreign workers. You just have to look in the right place. Find a Canadian embassy in your home country, visit them and enquire if there are current business recruiting foreign workers, or if there are job fairs currently being held by businesses based in Canada for your region.

Some universities in your home country may also hold career fairs every now and then which may include Canadian companies. So, try to enquire if any fall in your degree program.