In Canada there’s a type of investment termed as a guaranteed investment certificate. This investment insures an individual an income that is assured, for a fixed time-frame. Such as, once invested for three years the profit will be 25% inspite of what occurs in the economy. Because of the GIC rates, this happens to be an extremely common kind of investment across the Canadian banking scene. The major pull of a guaranteed investment certificates or GICs normally is the gain on your investment is guaranteed. Several individuals consider this as a powerful alternative to save their income in something they’re sure could bring them a good return in place of stocks or bonds which even if able to bestow a better earning could also give a reduced yield thanks to the unstable markets which they are positioned in. Because of the structure of guaranteed investment certificates they are known as a low risk investment in contrast to the shares and securities which are seen as a dangerous investment. With regards to the GIC rates that are applied, the percentage is generally influenced by the kind of certificate as well as the time-span for which this certificate is invested in. You’ll be able to earn a higher earning and interest rate earned if you let the GIC invested for 10 years rather than three yrs. The timeframe you can invest for can differ from 6 months to ten years. It’s primarily reliant upon the specific opinion of the person. An additional instrumental element which facilitates working out the interest rate of the guaranteed investment certificate is the interest rate which is set by the Bank of Canada. These interest rates cannot be adjusted and could have a sizable influence on the interest rate earned for every certificate. Alternatively when you prefer the share market indexed guaranteed investment certificate, your interest rate will be decided with the magnitude of growth of the market. This kind of certificate is of course believed to be a low risk investment in comparison to shares and bonds nevertheless could also be considered as a bit risky as opposed to the regular GIC. In case the share market makes bigger profits in that case the odds of having very high interest is confirmed. On the other hand if the stock market does not make any growth or even make losses for a given period, you may end up with insufficient dividends or simply your initial sum. Nonetheless you can simply have a higher limit of 25% return on a 3 yrs time. It doesn’t matter if you invest in the registered or non-registered guaranteed investment certificate; it is clearly a secure means to ensure that the cash which you invest may give a decent income after some yrs. After the certificate matures, you might always select if you need to book profit or retain it. Take care that you get excellent GIC rates. If wish to learn more about GICs and other customized financial programs, go online at once.
Every year, almost 40% of Canadian residents send money to other countries all over the globe. A sizable portion of this money goes to family members in Haiti and the Philippines. But did you know that there are also plenty of people who reside in other countries who transfer money to Canada, as well? It’s not something you hear about much. To be honest, a great many people assume that since Canada is a fairly wealthy, developed nation, its residents have little need of remittance. Did you know that you can send money to Canada without the recipient having a bank account, and without paying the high fees associated with wire services and other “kiosk”-based money services? Sending money via offline wire services can cost close to ten percent of the money sent if you want to transfer money to Canada that same day–and it won’t cost much less if you opt to have it arrive the next day. This is more important than it used to be, with the exchange rate being what it is. Certainly many Canadians are proud that their dollar’s value now runs neck-and-neck (and they no longer have to bear snide, “Canada, where everything’s 30% off!” jokes from U.S. tourists). But this also means that if a friend or relative chooses to transfer money to Canada, it’s just not going to be worth as much as it used to. This heightens the impact of the high percentage fees charged by non-bank wire services. Money orders cost less and are preferred by many people when time is not so much of an issue. However, there is always the question of whether the money will make it safely there. Postal and parcel services are certainly more reliable in North America than in most places around the globe, but the urban legend of the letter than never reaches its destination, exists for a reason. There are also ways to send the money online as well. And if you want to transfer a large amount of money to Canada to someone who rarely receives large amounts via online transfer, the company may temporarily freeze the account to check for fraud. Wire transfers from banks that offer them usually cost $35-$45. Although some may balk at the fee, this can be cheaper than wire transfer services if the amount is several hundred (or more). Pre-loaded debit cards that can be charged via phone or internet connection are becoming more popular. There is at least one service that will deliver the card via the ever-dependable FedEx service. The recipient need only visit one of Canada’s many ATMs to withdraw their cash. There are many different ways to transfer money to Canada, and not every one of them will meet the needs of every situation. With knowledge of the benefits and disadvantages of each method, you can pick the solution that most closely fits your needs. You can also experiment with the different methods until you find one that meets your needs.
You may think that it is really a difficult process to import a car into Canada from the US. It is not that difficult if you follow the clearly outlined rules – step by step. In the end it is a way for Canadians to save big money on the major purchase of purchasing a new vehicle – be it car, truck, van or SUV. First and foremost – do your research on the car. This should be very standard stuff to you. There are a myriad of resources – newspapers, the library, auto dealers, books such as the classic Canadian car purchasers book – “Lemonaid “by the author Phil Edmonston. You can speak to other car purchasers – word of mouth is often the bet form or research. O course you can always do standard research on the internet or even pay a service online or even a person to do the work. Next – go the official government of Canada “Registrar of Imported Motor Vehicles “- whether it by phone or the internet. Research the car on the Riv.ca site (Registrar of Foreign Motor Vehicles) or phone. By checking and verifying online Transport Canada’s list of vehicles admissible from the United States you can check to see if the car is simply importable, that there are no restrictions on your vehicle of choice. If the car is easily importable you may find that are minimal modifications may be needed to certify the car for import into Canada. If major modifications are needed to import your vehicle or if the car is listed in the “inadmissible:” column of the column labeled “ notes” indicates restrictions or modifications needed to import your chosen brand, model or year of vehicle take careful heed and note of these modifications, restrictions or concerns before proceeding in your quest. In order to export the vehicle to Canada (from the U.S. to Canada), fax the required U.S. Customs export documents to the U.S. Customs border office. Next in line at Canada Customs (correctly the Canadian Border Service Agency) you will about $ 300 in Riv fees and provide the proper paperwork and documentation to the Canadian Border Service Agency, Pay the now 5 % GST (General Sales Tax) on the U.S. converted purchase price of the vehicle again to Canada Customs and you are finished the first major hurdle of importing your bargain priced car from the United States into Canada You will also be asked to provide a “Recall Clearance Letter” which will certify that the vehicle has no outstanding vehicle Recalls and that all the manufactures recall upgrades have been done. This document can be simply provided on request by either the car dealer or vehicle manufacturer and must be on official company or dealer letterhead. If you are going to drive your new car or other vehicle home you will need some form of vehicle registration and insurance. One other option is to have the freighted home by a common carrier. Many auto carriers are available who will take pick up your car at the dealer’s lot and transport it to you in Canada or to a point at the American border. Depending on the rules of the state where the vehicle is purchased sales tax may not be charged if the car leaves the dealer’s lot on the truck as opposed to being driven away. In addition the car most likely will be insured during transport by the carrier. In these cases the cost of the sales tax payment saved may well be in excess of any shipping costs. In addition it saves you the time, expense and gas of traveling to pick up the vehicle as well as driving it home. If the vehicle is to be transported to the Canadian border for you’re to clear customs you must ensure that you have the car registered and insured. Often this can be done by your current insurance plan – perhaps an extension of your current insurance or a temporary permit obtained. Either way the car must be registered or insured one way or another if you are to drive the car from the Canadian border port of entry. If driven (and not hauled by truck vehicle transport), your car will need to be “plated” and insured. The dealer, who sold you your car, or the local highway department / sheriff, can assist you in obtaining these documents. As for insurance this can often be provided back home, as an extension of your current auto insurance plan or as a new purchase of car insurance. If you are traveling away from home, the purchase can usually be done over the phone, with documents faxed. You have now passed the first major hurdle of the steps of importing your new vehicle into Canada. Your vehicle will now have to be certified within Canada. Riv (The Registrar of Imported Motor Vehicles) will send you its “Vehicle Inspection Form” within two weeks. You will have 45 days from the time of submission of your documentation to the Canadian Border Service Agencies to complete the necessary modifications. There are a number of straightforward steps in the process are taking your new vehicle for individual certification and inspection. The Registrar of Imported Vehicles of Canada (Riv.ca) (www.riv.ca) has contracted with the well known and available the national auto parts and service center chain Canadian Tire to perform the federal Riv inspection. This fee is included as part of the Riv fee – so that you do not have to pay this fee yet again. The Canadian Tire Service Centers can also perform certain modification work as well, (at your cost), as well as perform many, if not most, of required standard provincial vehicle inspections. Once passed, you will next present the vehicle for the routine Canadian provincial or territorial licensing authority for its inspection and approval. It cannot be stressed enough that although you should be saving money in the process of importing your new vehicle into Canada that the onus is on you to be both current and thorough in your research and documentation. Follow all steps. Do not take shortcuts or foolish chances. The rules can and may change from time to time. The onus is you to check with the relevant authorities – be it the Riv Canada site, the manufacturer of the car, truck or S.U.V., your Provincial highway and traffic authority and your auto insurance company among other authorities and department. The onus is you to check. If not sure phone or email to verify. Remember written documentation is always best. By following the above steps your new car purchase should be an enjoyable and trouble free experience as well as a most economical and thrifty purchase.
Canadian residents are likely to enjoy the many advantages of the internet, and among them, making money from home. In fact, people all over the world make money from the internet through different means, and the geographic restrictions and rules as to how one could make money are getting smaller and smaller. With a decent computer and internet connection, there are a couple of things one can do to earn money. In fact, some could even stay home and get a decent job or business online. Making money online in Canada should not be much of a hassle once you know the things you can do and find opportunities where you can use your knowledge, talents and skills. Here are some ways by which you can do this: 1. Sell items through Amazon or eBay. Amazon and eBay have their Canadian versions, in case you did not know. For Amazon, there’s Amazon.ca and for eBay, there’s eBay.ca. The difference of these sites in comparison to their .com counterparts is that all transactions are made in Canadian dollars, and of course, you are likely to deal with people who are Canadian residents as well. Note that the rules and guidelines are the same. Find items which you can sell at a competitively lower price, and do a little research as to whether a market exists for the item which you wish to sell. 2. Be a freelance writer. If you are good at writing, register at about.com or suite101.com. These sites would have Canadian writers submit articles for them about a range of topics and the pay are decent enough as the rates are the similar between American and Canadian writers. In time you could get a competitive monthly salary and some bonuses too. Now doesn’t this tell you that making money online in Canada is relatively simple? There are many other sites where Canadians are eligible to get paid by writing web content articles and you can use these sites too. 3. Use AdSense. Have you heard about pay-per-click or PPC advertising? Well this is what AdSense is all about. It is sponsored by Google, and all you need to do is sign up and start your own blog or website with which you could put the AdSense code on display. You earn money whenever someone clicks on the advertisement posted on your site. Your goal with AdSense of course, is to drive traffic into your blog or site so that more people would actually notice the ad and click on it. 4. Get hired from home. Look for regular jobs that hire workers online. Some companies like Accentus and Axion Data do this. The application is done online and the nature of the job depends on the nature of the company, but you can expect tasks like data entry, transcription and customer support to be included in this kind of job. You will get to encode data, at times, even answer emails and provide other kinds of services depending on the job requirements. Making money online in Canada shows a good opportunity of having an alternative to the traditional way of doing your job. For working mothers, people with disabilities and people who simply prefer to work at home, online jobs are simply the answer to the most pressing question of how one could earn some more money at home.
Canada is a of those place appealing to a good deal of folks as a second choice after countries in Europe, New Zealand or even the United States but that’s unfortunate. Canada has the greatest land mass of any single country on Earth and is divided into thirteen Provinces and Territories. Law breaking or perhaps more worryingly thefts, assaults and crimes against people and property involving firearms is thankfully uncommon allowing the general public to rest easy overnight. The surprisingly (for such a huge country) low population, numerous lakes and vast coastline to both east and west means great chances to locate ocean or waterfront properties relatively cheaply. This is even considering Canada numbers amongst the worlds richest countries due mainly to its natural resources, timber, fishing, mining and oil. If you’ve ever fancied trying your hand as a farmer land in most out of town areas is still inexpensive enough to start your own hobby-farm. The Okanagan Valley in British Columbia has opportunities for wine growing whereas the wide open Prairies tend to be more concerned with wheat and other cerals. If big city living is more appealing to you, you can amazingly still discover relatively well priced available homes in the central districts of Toronto and Montreal. However, with a direct flight time of 6 hours time from the UK’s Heathrow or Gatwick airports Halifax in Nova Scotia could offer a great possibility for bargains. Halifax is also only 2 hours from New York and year-round flight availability means you don’t get a feeling of being remote from the rest of the world. What makes Halifax and Nova Scotia a property hot-spot is that you are able to purchase smaller 2 or 3 bedroom waterfront properties in tip-top repair for below $375,000. With a population of around 900,000 and territory similar to a country the size of the Irish Republic there is plenty of elbow room in which to work, live & play. The temperate maritime climate is also a bonus. Warmed in wintertime and cooled in the summer by the Atlantic Ocean Nova Scotia avoids the extreme frigid winter months and parched summertime of the Prairie Provinces and States of the Northern US. Although extreme high summer temperatures are avoided some are now adding air conditioning to their homes as humidity can make summer sleeping an issue. If you live in the country although at first it may be great to keep those windows open to breathe in the fresh clean air the cawing of crows or chirruping of frogs may make you reconsider. The daily commute to the main towns of Halifax and Dartmouth is easy with four lane roadways leading into the cities. Each city has its own mix of big box superstores and shopping malls, cinemas and restaurants. Life close to the centre of Halifax can be relatively costly with high-priced properties easy to find however away from the main Downtown district and costs drop significantly. As most people live in the Halifax Regional Municipality many possibilities exist to snap up country cottages for relaxing holidays & weekends. These cottages tend to occupy larger lots and as it is Canada your next-door neighbours will most certainly be warm and friendly.
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