Ranks of foreign workers growing: StatsCan 2006

The number of foreign workers admitted to Canada on a temporary basis more than doubled in a 10-year period, census data shows.
Similar growth in temporary worker programs was seen in many industrialized countries, Statistics Canada said Tuesday. .
More than 112,000 foreign-born nationals were working in Canada on census day in 2006, according to census figures. That number was 118 per cent higher that the figure from the 1996 census. About 94,000 were working full-time.
Many of these workers were admitted under the Temporary Foreign Worker Program, which is designed to help employers address labour shortages in Canada. The program restricts non-permanent resident workers to a specific job or location as a condition of entry.
There are a variety of programs that allow foreign-born nationals to come to Canada to work. Some programs bring in skilled workers, while some target unskilled workers. Other programs allow some non-resident students to work for up to six months while on an exchange program..
A minority of non-permanent residents — mainly refugee claimants — are granted work permits that allow them to accept almost any job with no restrictions.
"The increase in the number non-permanent residents working in Canada may be a result of increased labour market requirements during the economic expansion which ended in the latter part of 2008," Statistics Canada said.

Diverse lot

Who are these foreign-born non-resident workers? Statistics Canada's analysis of the 2006 census data shows they are diverse, depending on the program that brought them to Canada.
While many came from developing parts of the world, including South East Asia, Latin America and South Asia, many others came from high-GDP areas like the United States and western Europe.
Women made up 40 per cent of all non-resident workers, most often working as caregivers or domestics — many from the Philippines.
Men who hailed from Mexico, Central America and the Caribbean were more often employed in agriculture. In Leamington, Ont. — the greenhouse capital of Canada — non-resident foreign nationals account for 9.1 per cent of the town's full-time labour force.
Non-resident workers from high-GDP economies like the United States and western Europe were more likely to be working as university professors, post-secondary teaching and research assistants, computer programmers and senior managers.
The census analysis notes that non-permanent residents account for less than one per cent of the total full-time workforce in Canada. In some occupations, however, they represent a much bigger share.
For instance, more than 20 per cent of all full-time nannies or parents' helpers in Canada in 2006 were non-permanent residents. More than 13 per cent of post-secondary teaching and research assistants were non-residents — many also going to school in Canada, too. Nine per cent of farm labourers, eight per cent of nursery workers and six per cent of all physicists and astronomers working in Canada were also non-permanent residents.

Not to compete

Generally speaking, non-resident workers are not supposed to compete with permanent residents for jobs. Employers are often required to obtain a federal certificate stating that no qualified Canadians are available to do the work.
Still, the presence of non-resident employment programs in times of higher unemployment has attracted some criticism over the years, even though employers like them and some international treaties like NAFTA sometimes oblige Canada to admit non-resident workers.
On Monday, the federal government cancelled a program that makes it easier for foreign workers to fill vacant technology jobs in Canada — especially in software development.
Federal officials say the shortage of highly skilled technology workers in the late 1990s no longer exists. Employers will now have to show that no suitable Canadian is available to do a job before a foreign national can be brought in.


Expenses in Canada: Taxes and other expenses.

Taxes in Canada

Canadians enjoy many government-funded benefits, such as healthcare, education systems, interconnecting highways, clean drinking water and sanitation systems. Canadians pay a variety of taxes to the federal and provincial governments to support these benefits.
Each year, you determine your final tax obligation. On the return, you list your income and deductions, calculate federal and provincial or territorial tax, and determine if you have a balance of tax owing for the year, or whether you are entitled to a refund of some or all of the tax that was deducted from your income during the year.

Sales Taxes

When you purchase an item or a service one or more types of tax may be added:
  • Goods and Services Tax (GST) - A 5% federal tax applies to most goods and services sold in Canada.
  • Provincial Sales Tax (PST) - With the exception of Alberta, the provinces also tax many new and used items (but not services). The rate varies by province.
  • Harmonized Sales Tax (HST) - In Nova Scotia, New Brunswick, and Newfoundland and Labrador, the GST and PST are combined into a single tax - the HST. The HST is 13% (5% GST plus 8% PST) and is added to the cost of the goods or services for the final total price.
Provincial/Territorial tax rates (combined chart)*
Provinces/TerritoriesRate(s)
Newfoundland and Labrador7.7% on the first $31,061 of taxable income, + 12.8% on the next $31,060, + 15.5% on the amount over $62,121
Prince Edward Island9.8% on the first $31,984 of taxable income, + 13.8% on the next $31,985, + 16.7% on the amount over $63,969
Nova Scotia8.79% on the first $29,590 of taxable income, + 14.95% on the next $29,590, + 16.67% on the next $33,820 + 17.5% on the amount over $93,000
New Brunswick10.12% on the first $35,707 of taxable income, + 15.48% on the next $35,708, + 16.8% on the next $44,690, + 17.95% on the amount over $116,105
QuebecContact Revenu Québec
Ontario6.05% on the first $36,848 of taxable income, + 9.15% on the next $36,850, + 11.16% on the amount over $73,698
Manitoba10.8% on the first $31,000 of taxable income, + 12.75% on the next $36,000, + 17.4% on the amount over $67,000
Saskatchewan11% on the first $40,113 of taxable income, + 13% on the next $74,497, + 15% on the amount over $114,610
Alberta10% of taxable income
British Columbia5.06% on the first $35,716 of taxable income, + 7.7% on the next $35,717, + 10.5% on the next $10,581, + 12.29% on the next $17,574, + 14.7% on the amount over $99,588
Yukon7.04% on the first $38,832 of taxable income, + 9.68% on the next $38,832, + 11.44% on the next $48,600, + 12.76% on the amount over $126,264
Northwest Territories5.9% on the first $36,885 of taxable income, + 8.6% on the next $36,887, + 12.2% on the next $46,164, + 14.05% on the amount over $119,936
Nunavut4% on the first $38,832 of taxable income, + 7% on the next $38,832, + 9% on the next $48,600, + 11.5% on the amount over $126,264
Source: http://www.cra.gc.ca as of September 18, 2009

Pay Deductions

The following deductions are standard for all employees in Canada. The deductions are automatically taken out from your paycheck before you receive your pay.
  • Income taxes
  • Canada Pension Plan or Quebec Pension Plan
  • Employment Insurance
  • Union dues - if you belong to a union
  • Contributions to a retirement or pension plan
  • Any other necessary or agreed upon deductions between you and your employer
The above deduction could reduce your pay by as much as 25% to 35% of your total income.

Transportation

If you plan to live in a city and will not have a car, budget for public transportation. Public transportation in Canada is reliable and safe, and is reasonably priced.
If you will be buying a motor vehicle, budget for gasoline, maintenance, and repairs and automobile insurance, along with the cost of the vehicle.

Insurance

Canadians purchase a number of different types of insurance. Some are required by law and some are purchased to provide financial security. Common types are:
  • Automobile insurance (required to drive a vehicle)
  • Property insurance (to protect your home and your belongings from theft or damage)
  • Medical insurance (addition provincial health coverage)
  • Life insurance (to protect your family if anything should happen to you)
  • Creditor's insurance (to cover outstanding debts if you are unable to work)

Expenses in Canada: Comunications, Education and Healthcare.

Various cellular phones from the last decadeImage via Wikipedia

Communications

  • Telephones - You can buy your own telephone, or rent one from the telephone company. Major home phone companies are: Rogers, Bell and Primus
  • Average Cost of Telephone (Monthly): $20 - $40 plus long distance charges.
  • Cellular phones - Many Canadians have a cellular (cell), or mobile, phone instead of or in addition to a land-line. You will need to purchase a phone and pay for the monthly phone service. Major cell phone retailers are: Rogers, Bell, Fido, Telus, Virgin Mobile, Solo and Koodo.
  • Average Cost of Cell Phone (Monthly): $40 + Cost Initial Cost of Phone
  • Cable or satellite television - you may need to purchase cable or satellite service. There is a monthly fee for such service, and it usually varies depending on the provider, the scope of the package and the options you choose.
  • Average Cost of Cable (Monthly): $25 - $50
  • Internet - Many Canadians subscribe to an Internet service, which allows them to surf the web or send emails from their home computer. You can purchase Internet service from most cable or telephone companies.
  • Average Cost of Internet (Monthly): $20 - $60
To keep in touch with your relatives abroad, get a free $5 calling card when you sign up for the Scotiabank StartRight Program

Education

Education is important to Canadians, and attendance is mandatory for children between the ages of six and 16. In Canada, children are eligible to receive free elementary and high school education through the government-funded public education system. Budget for additional expenses such as school supplies, some books, sports equipment and musical instruments.
Scotia® RESP (Registered Education Savings Plan) will help you to provide for your child's post-secondary education, especially when you invest early and regularly. Find out more.

Average costs for Undergraduate or post-secondary education
Province2008-2009 Undergraduate tuition fees (avg. per academic year)*
Newfoundland and Labrador$2,632
Prince Edward Island$4,530
Nova Scotia$5,932
New Brunswick$5,590
Quebec$2,167
Ontario$5,643
Manitoba$3,276
Saskatchewan$5,015
Alberta$5,361
British Columbia)$5,040
Source: Statistics Canada as of March 26th, 2009

About Canada's Health Care

One of the most important things you need to do as soon as you arrive in Canada is to apply for a health insurance card. All members of your family, even newborn babies, must have their own card. You can get an application form from the provincial ministry of health office, any doctor's office, a hospital or a pharmacy.
To apply for a health card, you will need your birth certificate or Confirmation of immigration status in Canada (IMM 5292) and passport. Your Permanent Resident card may also be presented. In most provinces, you will receive coverage as soon as you apply.
Health-care services covered by medicare include:
  • examination and treatment by family doctors;
  • many types of surgery;
  • most treatment by specialists;
  • hospital care;
  • X-rays;
  • many laboratory tests; and
  • most immunizations.
Health-care services not covered by medicare, and for which you will have to pay, include:
  • ambulance services;
  • prescription drugs;
  • dental care; and
  • glasses and contact lenses.
ScotiaLife Financial™1 can help protect you and your family from life's unexpected events. Find out more.

Medical Expenses

Canadian residents enjoy a healthcare system that is publicly funded. Many health services are paid for from taxes and are free to all residents of Canada who hold a provincial health card.
However, not all medical expenses are covered. Depending on the province in which you live, you may have to pay for services such as:
  • Dental care
  • Eye examinations and prescription eye wear
  • Treatment provided by psychologists, chiropractors, physiotherapists, massage therapists, acupuncturists, dietitians and naturopaths
  • Cosmetic or elective surgery

Expenses in Canada

Scotiabank at Queen Street West and McCaul Str...Image via Wikipedia
When you move to Canada, your expenses may be different from those you are used to. Canada is a very large country, and costs can vary significantly depending on where you live. When you move to Canada, it's helpful to know a little about the money that you'll be using when you get there.
Coins come in six denominations. Each is a distinct size, shape and color for easy identification.
  • penny = 1¢
  • nickel = 5¢
  • dime = 10¢
  • quarter = 25¢
  • dollar = $1.00 (known as the "loonie")
  • two dollar = $2.00 (known as the "toonie")
Paper money is all the same size, but each bill is different in color.
  • $5 - blue
  • $10 - purple
  • $20 - green
  • $50 - red
  • $100 - brown
It's a good idea to exchange some of your money into Canadian currency before you leave your home country, so that you have cash on hand for small purchases as soon as you arrive. Once you're here, there are several ways to exchange your money for Canadian currency.
Financial institutions - Scotiabank offers competitive exchange rates. By visiting a branch, you can exchange money from just about anywhere in the world.
Foreign exchange outlets - you can find foreign exchange outlets in select locations across Canada, including airports and tourist attractions.

Housing

You've arrived in Canada. One of the most important tasks ahead of you is finding a place to live. This is likely to be one of your biggest expenses.
Many people rent their home for their first few years in Canada, which usually costs less than buying a home.

Did you know that you can own your first home with a hassle-free mortgage designed specifically for Newcomers to Canada? Find out more

Generally speaking, housing is less expensive outside of cities, whether you rent or buy.
Average Cost of a house in Canada and Renting in Canada

Avg. Cost of House*Avg. Monthly Rent for 2 Bedroom**
British Columbia$ 461,931$ 1,045
Alberta$ 346,955$ 884
Saskatchewan$ 234,655$ 613
Manitoba$ 204,465$ 709
Ontario$ 325,364$ 931
Quebec$ 228,184$ 738
New Brunswick$ 160,400$ 637
Prince Edward Island$ 148,885$ 642
Nova Scotia$ 203,725$ 799
Newfoundland and Labrador$ 211,844$ 651
Yukon$ 281,420$ 556
Northwest Territories$ 331,696$ 1,365
Source: June 2009 The Canadian Real Estate Association
** Source: Study in Canada

Utilities

You will need to set aside money in your budget to cover these essential services.
  • Heat - most homes in Canada are heated by natural gas, oil or electricity.
  • Electricity - your home will also require electricity to power lights, electronic equipment, appliances and air conditioning units.
  • Water - if you live in or near a city, the municipality will charge a fee for providing water and sewage services.
Average Cost of Living in Canada
Utilities (Monthly)$20 - $100
Phone (Monthly)$20 - $40
Cell Phone (Monthly)$40
Cable (Monthly)$25 - $50
Internet (Monthly)$40
Groceries(1-2 Person Monthly)$200-$300
Transportation (One way)$2.75
Fast Food Meal (1 Person)$4 - $6
Average Restaurant Meal (1 Person)$10 - $25
Gas$1.15 - $1.50 / Liter
Entertainment (Movie)$11.50 - $13
*** Source: Study in Canada

New Immigrants and taxes in Canada.

Geopolitical map of CanadaImage via Wikipedia
The following information applies only for the first tax year that you are a new resident of Canada for tax purposes. After your first tax year in Canada, you are no longer considered a newcomer for tax purposes.
If you immigrate to Canada, we consider you to have acquired (deemed acquisition) almost all your properties at fair market value on the day you immigrated. If you are re-establishing Canadian residency and you had a deemed disposition when you left Canada, see Dispositions of property.

Residency status

You become a resident of Canada for income tax purposes when you establish significant residential ties in Canada, usually on the date you arrive in Canada.
Newcomers to Canada who have established residential ties with Canada may be:
  • persons in need of protection;
  • people who have applied for or received permanent resident status from Citizenship and Immigration Canada; or
  • people who have received approval-in-principle from Citizenship and Immigration Canada, to stay in Canada.
If you were a resident of Canada in an earlier year, and you are now a non-resident, you will be considered a Canadian resident when you move back to Canada and re-establish your residential ties.
Residential ties include:
  • a home in Canada;
  • a spouse or common-law partner (see the definition in the General Income Tax and Benefit Guide) and dependants who move to Canada to live with you;
  • personal property, such as a car or furniture; and
  • social ties in Canada.
Other ties that may be relevant include:
  • a Canadian driver's licence;
  • Canadian bank accounts or credit cards;
  • health insurance with a Canadian province or territory.
If you want an opinion about your residency status, complete and submit Form NR74, Determination of Residency Status (Entering Canada).

Your tax obligations

As a resident of Canada, you:
  • must report "world income" (income from all sources both inside and outside Canada) on your Canadian income tax return;
  • must ensure that you pay the correct amount of taxes according to the law;
  • have the right and responsibility to verify your income tax status each year;
  • can claim all deductions, non-refundable tax credits, and refundable federal, provincial, or territorial credits that apply to you.
As a newcomer to Canada, you should be aware that most individuals who reside in Canada file only one income tax return for the tax year, because the Canadian government collects taxes on behalf of all provinces and territories except the Province of Quebec.
Note
If you live in the province of Quebec, you may need to file a separate provincial income tax return. For information about your provincial tax liability, contact theRevenu Québec.
As a resident of Canada for part or all of a tax year (January 1 to December 31), you must file a tax return if you:
  • owe tax; or
  • want to receive a refund.
Even if you have no income to report or tax to pay, you may be eligible for certain payments or credits. In order to receive the following payments or credits, you must file an income tax return.
For more information, please see "Do you have to file a return?" in the General Income Tax and Benefit Guide.
For the tax year that you are a newcomer to Canada and for each tax year that you continue to be a resident of Canada for tax purposes, use the General Income Tax and Benefit Guide and the forms book for the province or territory where you live on December 31 of the tax year.
  • It is important to use the forms book for your province or territory because tax rates and tax credits are different in each province and territory.
  • If you live in the province of Quebec, you may need to file a separate provincial income tax return. For information about your provincial tax liability, contactRevenu Québec.
Your income tax return has to be filed on or before:
  • April 30 of the year after the tax year; or
  • if you or your spouse or common-law partner carried on a business in Canada (other than a business whose expenditures are mainly in connection with a tax shelter), the return has to be filed on or before June 15 of the year after the tax year.
NoteA balance of tax owing has to be paid on or before April 30 of the year after the tax year, regardless of the due date of the tax return.

Entitlement to benefits and credits

As a newcomer to Canada, you may be eligible for the goods and services/harmonized sales tax (GST/HST) credit, the Canada Child Tax Benefit (CCTB), and/or the Universal Child Care Benefit (UCCB) payments in the year you became a resident of Canada.

Building your credit history in Canada.

Credit cardsImage via Wikipedia


What is a credit history?

Your credit history or credit rating starts from day one - the first time you get a credit card in your name, a loan or line of credit from a bank.
A credit history is a collective report about how you have handled and managed debt historically.
Your credit file is like a financial report card. It tracks how much money you borrow, and how quickly you pay it back. Every month when you borrow money, use your credit card or pay bills, information about your financial transactions is sent to a credit-reporting agency. The agency uses this information to come up with your credit rating and your credit score.
Your credit rating contains a number and a letter. The number - between 0 and 9 - shows how fast you pay your bills. "1" means you pay your bills within 30 days of billing date and you've had no more than one late payment, while "9" means a bad debt, a debt been placed with a collection agency, having moved without providing a new address, or Bankruptcy.

Establishing Credit History

As a newcomer you will have to build a new credit history in Canada. Credit cards are one of the most effective ways to build a Canadian credit history. Credit cards can be used as a form of identification when renting an apartment or a car or signing up for a new cell phone. A good credit history and score will also help you when you’re making a significant purchase, such as a car, home or setting up/purchasing a new business.

Build a Strong Credit History

Using and making regular payments on time will help you establish a good credit history. Some helpful tips include:
  • Pay your bills in full and on time. Or at least pay the minimum amount shown on your statement.
  • Don't go over the limit on your credit card. The higher your balance, the more it affects your credit score.
  • Don't apply for credit too often.
  • Use a credit card wisely.
  • Pay off your debts as quickly as possible.

Credit Reporting Agencies

There are two main credit reporting agencies, also known as Credit Bureaus, in Canada:
These private agencies collect information about borrowers from other credit grantors.

International Credit Reports

Canadian credit-reporting agencies such as Equifax or TransUnion, only collect information from creditors about consumers' financial experiences in Canada. Despite this, financial institutions may be willing to recognize your earlier credit history outside of Canada. This may involve, for example, requesting a copy of your credit report from the credit-reporting agency in the other country. You may want to consider bringing in a copy of your credit report form your home country (if available) and present it with your credit and loan application.
Source: Scotiabank.com

Quebec Immigrant Investor warming after the New Deal

Castle Peak Bay Immigration Centre and Immigra...Image via Wikipedia
Immigration Canada news, federal investment project will be 201,171 migrants from the date of implementation of the New Deal, from 1 to clear the next 630 days will only receive 700 applications. Canadian Immigration Minister Jason · Kenney said that despite the immigration department to improve the investment threshold of immigrants, but still received an excessive amount of applications; to limit the application of the new measures will reduce the backlog process, while ensuring that the amount of the trial department of the trial. For this phenomenon, the general manager Liu Jianjie Shenzhen and made the following analysis:

Has been documented for the applicant is a good news

Taking into account the Canadian Immigration processing of approximately 3000 to 4000 investment immigration applications (some of this capacity has been maintained), the “brakes” for the client application has been submitted is actually a good thing to avoid more crowded, which makes the documented relative to the processing cycle is no longer the customer is more extended.

For the preparation of immigration applicants should be objective and rational

1. The launch of the Canadian Federal Department of Immigration limit 700 applicants for the world, if the Chinese market can be assigned to 400 places, while China’s hundreds of legal immigration agency, shows that “these 700 places into the queue “with considerable difficulty, only the level of policy research and strong professional experience in handling cases have greater ability to help companies more successful delivery of the applicants case. In other words, each of which will test the strength of a company’s overall immigration, work efficiency, the case of sectoral coordination and delivery speed.

2. The applicant in this process should be sufficient to maintain an objective and rational. Applicants should make every effort to prepare the relevant information with immigration company, pre-prepared as possible to save time.

3. Federal and Quebec Immigrant Investor immigrant investment conditions in the application of great similarity, coupled with the end of Quebec to improve the application from the standards, the volume of applications received far less than the amount of the federal application, so if the applicant’s their conditions in line with Canada Quebec Immigrant Investor, you should focus on preparing the application documents submitted to consider Quebec Immigrant Investor program, instead of blindly to competition for limited federal quota. Based on past experience and current situation to determine the federal Reform immigration policy to 71 days after the Quebec Department of Immigration may be adjusted in the near future, so the Quebec investments that meet the conditions of immigration applications to customers, it is recommended to be fully use the current opportunity to plan ahead. (Li)
Source: Finance Online

Capital region keeps adding jobs

The entrance to Canada's Parliament Hill in Ot...Image via Wikipedia

Published on July 8, 2011
OBJ Staff  RSS Feed
Ottawa Business Journal
The National Capital Region continued its run of strong employment growth last month, adding 2,600 new jobs and pushing the unemployment rate down to its lowest level in more than a year and a half, according to Statistics Canada.
Topics : 
Statistics Canada , U.S. Labor Department ,Canadian PressQuebec , Ottawa , Ontario
That brings the number of new jobs created in Ottawa and Gatineau in 2011 to 14,100. By comparison, the region added 6,000 new positions in all of 2010.
In June, most of the local growth came in Gatineau, where 1,900 new jobs were added.
The employment gains, combined with a reduction in the size of the labour force in Ottawa, brought the region’s unemployment rate down from 6.1 per cent to 5.8 per cent. That’s the lowest level since November 2009, when it stood at 5.6 per cent.
Year-over-year, the biggest gains were in the service sector, specifically retail, wholesale, transportation, warehousing, accommodations, food services as well as professional, scientific and technical positions.
The region’s tech sector was flat at 46,000 jobs. Despite reports that the federal government has started eliminating positions within the civil service, the number of public administration positions only declined modestly, to 163,600 jobs in June 2011 compared to 164,100 a year earlier.
Nationally, the Canadian economy created 28,000 jobs last month, helped by a gain the part-time jobs to post its third consecutive month of growth.
The country's unemployment rate held steady in June at 7.4 per cent as the number of people entering the workforce increased, according to Statistics Canada.
The increase in jobs was mainly in the part-time sector, which added 21,000 jobs, compared with 7,000 new full-time jobs.
Economists had expected an overall increase of 10,000 jobs.
The public sector added 51,000 jobs in the month, while there were 22,000 new jobs in the private sector.
However, those gains were offset by a drop of 44,000 in the number of self-employed people in Canada.
The gains were led by the transportation and warehousing industry which saw a gain of 15,000 jobs, while the professional, scientific and technical services sector lost 19,000 jobs.
The construction and manufacturing sectors were little changed for the month.
Ontario, Alberta and Nova Scotia all posted employment gains in June, while Quebec and Newfoundland and Labrador saw losses.
Employment was up 40,000 jobs in Ontario following a slight drop in May.
South of the border, hiring slowed to a near-standstill last month. Employers added the fewest jobs in nine months and the unemployment rate rose to 9.2 per cent.
The U.S. Labor Department says the economy generated only 18,000 net jobs in June.
-With reports from the Canadian Press and Associated Press

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