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Canada: Finance, Real Estate, Insurance, Immigration

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Сайт рассылки: http://arbetov.ca
Открыта: 26-03-2010

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Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration:#26 Is Portability important?


Dear readers,

Today we get to know about:

1.FAQ:Canada Travel Insurance

2.Canada Work Permit Job Vacancies

3.Is Portability important? By Elana Rendell, AMP

4.Super Visa is Good News for Many

Video content:

Immigration to Canada Provincial Nomination Program
Super Visa Visitors Canada Medical Insurance
 Сrisis 2008 Vancouver, Canada
RESP savings plans for their children's education
An insurance agent in Vancouver, British Columbia

FAQ:Canada Travel Insurance

What kind of coverage is included in travel insurance?

There are many variations of travel insurance plans. Some typical coverages include the following:

1. Coverage for vacation and trip cancellation

2. Coverage for travel interruptions, delays and cancellations

3. Coverage for missed connections

4. Coverage for medical emergency; dental emergency; other health-related expenses (often including medical evacuation coverage)

5. Coverage for expenses due to lost or delayed baggage

6. Coverage for accidental death or dismemberment.

If you purchase travel insurance, you should examine what is covered under your own plan.

What is not covered?

What is not covered can be as important as what is covered. It is recommended that you examine your cover

age carefully and learn what is not covered. For example:

1. Cancellation for war is probably not covered

2. Cancellation for terrorism may be covered if your destination has experienced recent (often within 30 days) terror attacks

3. Cancellation because of bad weather is likely to be covered only if the weather is extremely threatening. If airlines have stopped flying to the area, for example.

4. Cancellation because of an outbreak of disease will likely not be covered.

Are you going travel to Canada?
Buy Visitors To Canada Insurance On-line

Super Visa Canada Medical Insurance

Canada Dental Insurance

What benefits is gained by purchasing trip insurance?

Many things cannot be anticipated. Trip insurance can provide some financial protection if you have to cancel because you or a traveling companion or immediate family member suffers an injury or sickness or death, or if you need emergency assistance during the trip.

Are pre-existing conditions a problem?

Yes, this is a frequent problem area. You should be sure you understand what your policy says about pre-existing conditions beforehand if you have any medical conditions.

Unstable pre-existing conditions that may flare up during your trip are generally not covered. But, some premium plans include a feature that will cover a sudden recurrence of a pre-existing condition. What constitutes a pre-existing condition varies from policy to policy.

Some travel insurance policies will waive exclusions (i.e. they will cover pre-existing conditions) if you buy your insurance close to the time (often within a couple of weeks) that you paid for your trip.

Again, it is recommended that you know how your particular policy handles pre-existing conditions so you know what to expect. For example, many cruise line policies do not cover pre-existing conditions.

Isn’t travel insurance an unnecessary expense? Do many people actually get paid for their claims?

A recent estimate indicates that between 5% and 10% of people who buy travel insurance actually file claims against the coverage. Some claims for expensive trips or cruises can be for significant amounts of money that the traveler might otherwise have to pay out of his or her own pocket, if not for trip or travel insurance.

Your prepaid expenses would likely be covered by your travel insurance plan if you are prevented from taking your trip by reasons such as:

What are some reasons for canceling my trip that would generally be covered under airline trip cancellation coverage?

1. Sickness, injury or death to you or your traveling companion, or a close family member of you or your traveling companion

2. A strike or severe weather that causes the airline or other common carrier to stop all service for a specified period of time (often 4 days or more)

3. Fire, flood or other unforeseen event that destroys your home or your travelling companion’s home, or burglary of your home or your traveling companion’s home within a specified number of days before the start of your trip

4. Criminal assault against you or your traveling companion within a specified number of days before the start of your trip

5. Terrorist attack in a city you are scheduled to visit within a specified number of days before the trip is to begin

6. Your unavoidable requirement to appear as a witness in a court case (not involving your travelling companion), or if you must be present for jury duty, or if you are detained for other unforeseen causes such as being highjacked or subjected to a medical quarantine

7. You or your travelling companion are called to emergency military duty (usually for a national disaster but not a war)

8. You or your travelling companion are prevented from taking the trip because of a traffic accident on the way to the departure point

9. Your trip is cancelled by the travel company

You should read carefully all the provisions of the coverage to know exactly what you are buying.

Read next->

Canada Work Permit Job Vacancies

Work Permit Job VacanciesCanada is one of the foremost countries for foreners looking for a better life. Canada needs skilled workers and professionals. Canada needs businessmen who are ready to invest in the country. Construction companies, restaurants, hotels, farms and other companies are looking for new workers. New applicants are applying every day. Some of them will immigrate to Canada through a Work Permit or Provincial Program. Look at the following opportunities. They might be for you

Attention: below are some job opportunities available for the applicants who are looking toimmigrate to Canada under Temporary Work Permit or under Permanent Immigration programs.
Keep following us as this list will be constantly updated

  • Restaurant Managers
  • Roofers
  • Glaziers
  • Genaral Construction Workers
  • Welders
  • Long Haul Truck Drivers
  • Heavy Equipment Operators
  • Automotive Technicians/Mechanics
  • General Farm Workers
  • Spray Painters
  • Retail Sales Associates (no vacancies for now)
  • Delivery Drivers (no vacancies for now)
  • Bottle Depot Cashiers (no vacancies for now)
  • Plumbers
  • Aviation Mechanics
  • Electricians
  • Motel Managers
  • Hotel Front Desk Managers
  • Food Counter Supervisors
  • Cooks
  • Indian Tandoori Cooks
  • Bakers
  • Food Counter Attendents
  • Kitchen Helpers
  • Bartenders
  • Waitresses
  • Hotel Front Desk Clerks
  • Room Attendants/Housekeepers
  • Bookkeepers
  • Office Adminstrators
  • Retail Store Managers
  • Head Cashiers
  • Cashiers
  • Carpenters
  • Drywall Installers
  • Stucco Workers/Applicators
  • Concrete Finishers
  • Flooring Workers
  • Framers (steel/wood stud)
  • Construction Painters
  • Cabinetmakers/Wood Finishers
  • Dry Cleaners
  • Grocery Store & Gas Station Managers
  • Grocery Store & Gas Station Assistant Managers
  • Coal Miners
  • General Line Assembly Workers
  • Mushroom Farm Workers
  • Medical Secretaries
  • Nursing Staff supervisors
  • Store Managers (Adult Stores)
  • Foremen
  • Mechanics
  • Agricultural Labourers
  • Framers

Terms of Employment: Permanent, Full Time
Salary: TBD (depending on the position and region)
Education: Depending on the position
Credentials: Depending on the position
Experience: Depending on the position
Languages: Beginner and/or Moderate and/or Advanced English depending on the position
Other details: These positions are open for any applicants from overseas.

Time for visa application is different depending on the embassy from where the application will be sent.
Please apply by email and send resume with photo to: vibcjobscanada@gmail.com Please highlight the positions you are applying for.


Is Portability important? By Elana Rendell, AMP
Job Search in BC. Accountant.

Selling your current home and moving into a new one can be stressful enough, let alone worrying about your current mortgage and whether you’re able to carry it over to your new home.

Porting enables you to move to another property without having to lose your existing interest rate, mortgage balance and term. And, better yet, the ability to port also saves you money by avoiding early discharge penalties.

It’s important to note, however, that not all mortgages are portable. When it comes to fixed-rate mortgage products, you usually have a portability option. Lenders often use a “blended” system where your current mortgage rate stays the same on the mortgage amount ported over to the new property and the new balance is calculated using the current interest rate.

With variable-rate mortgages, on the other hand, porting is usually not available. As such, upon breaking your existing mortgage, a three-month interest penalty will be charged. This charge may or may not be reimbursed with your new mortgage.

Porting conditions

While porting typically ensures no penalty will be charged when you sell your existing property and buy a new one, some conditions that may apply include:

∙ Some lenders allow you to port your mortgage, but your sale and purchase have to happen on the same day. Other lenders offer a week to do this, some a month, and others up to three months.

∙ Some lenders don’t allow a changed term or force you into a longer term as part of agreeing to port your mortgage.

∙ Some lenders will, in fact, reimburse your entire penalty whether you are a fixed or variable borrower if you simply get a new mortgage with the same lender – replacing the one being discharged. Additionally, some lenders will even allow you to move into a brand new term of your choice and start fresh.

∙ There are instances where it’s better to pay a penalty at the time of selling and get into a new term at a brand new rate that could save back your penalty over the course of the new term.

While this may sound like a complicated subject, I can explain all of your options and help you select the right mortgage based on your own specific needs.

Interest rates are the lowest they’ve been in history and they have nowhere to go but up. Industry professionals believe that as rates begin to rise, they’ll continue to rise for some time.

CALL ELANA @ 604-809-3202 for all your mortgage needs!

Elana Rendell, AMP
Mortgage Planner
www.elanarendell.com

Michael Arbetov
http://arbetov.ca/investing-thinking-aloud

Gold & Silver in Canada

August 5, 2012

Item Buys CAD Sells CAD Buys US Sells US
1 OZ GOLD BAR
(1 – 9 BARS)		 $1,593.00 $1,646.00 $1,591.00 $1,640.00
1 OZ GOLD BAR
(10 – 49 BARS)		 $1,593.00 $1,642.00 $1,591.00 $1,636.00
1 OZ GOLD BAR
(50 – 99 BARS)		 $1,593.00 $1,640.00 $1,591.00 $1,634.00
1 OZ GOLD BAR
(100+ BARS)		 $1,593.00 $1,638.00 $1,591.00 $1,632.00
5 OZ GOLD BAR
(1 – 19 BARS)		 $7,954.00 $8,185.00 $7,945.00 $8,155.00
5 OZ GOLD BAR
(20+ BARS)		 $7,954.00 $8,175.00 $7,945.00 $8,145.00
10 OZ GOLD BAR
(1 – 9 BARS)		 $15,889.00 $16,350.00 $15,871.00 $16,291.00
10 OZ GOLD BAR
(10+ BARS)		 $15,889.00 $16,330.00 $15,871.00 $16,271.00
20 OZ GOLD BAR
(1 – 4 BARS)		 $31,718.00 $32,520.00 $31,681.00 $32,401.00
20 OZ GOLD BAR
(5+ BARS)		 $31,718.00 $32,479.00 $31,681.00 $32,361.00
1 KILO GOLD BAR (32.15 TROY OZ.) $50,986.00 $52,275.00 $50,927.00 $52,085.00
1 KILO GOLD BAR
(5+ BARS)		 $50,986.00 $52,211.00 $50,927.00 $52,020.00
1 OZ GOLD MAPLE – .9999 (1-9 COINS) $1,600.00 $1,664.00 $1,598.00 $1,658.00
1 OZ GOLD MAPLE (10 – 49 COINS) $1,600.00 $1,659.00 $1,598.00 $1,653.00
1 OZ GOLD MAPLE (50 – 99 COINS) $1,600.00 $1,658.00 $1,598.00 $1,652.00
1 OZ GOLD MAPLE (100+ COINS) $1,600.00 $1,656.00 $1,598.00 $1,650.00
1/2 OZ GOLD
MAPLE		 $813.00 $868.00 $813.00 $865.00
1/4 OZ GOLD
MAPLE		 $411.00 $442.00 $410.00 $441.00
1/10 OZ GOLD MAPLE $168.00 $185.00 $167.00 $184.00
1/20 OZ GOLD MAPLE $84.00 $109.00 $84.00 $108.00
1 OZ GOLD MAPLE
.99999 RCMP		 $1,605.00 $1,693.00 $1,603.00 $1,687.00
1 OZ GOLD MAPLE OLYMPIC $1,600.00 $1,664.00 $1,598.00 $1,658.00
1 OZ GOLD MAPLE DAMAGED / .999 $1,580.00 $0.00 $1,579.00 $0.00
1 OZ SILVER MAPLE (1 – 49 COINS) $28.60 $30.93 $28.57 $30.82
1 OZ SILVER MAPLE (50 – 499 COINS) $28.60 $30.73 $28.57 $30.62
1 OZ SILVER MAPLE (500-2,999 COINS) $28.60 $30.53 $28.57 $30.42
1 OZ SILVER MAPLE (3,000+ COINS) $28.60 $30.33 $28.57 $30.22
1 OZ SILVER MAPLE MOOSE (2012) $28.60 $33.24 $28.57 $33.12
1 OZ SILVER MAPLE COUGAR (2012) $28.60 $33.24 $28.57 $33.12
1 OZ SILVER ROUND (1 – 99 ROUNDS) $27.75 $30.18 $27.72 $30.07
1 OZ SILVER ROUND (100 – 499 RNDS) $27.75 $29.93 $27.72 $29.82
1 OZ SILVER ROUND (500+ ROUNDS) $27.75 $29.68 $27.72 $29.57
10 OZ SILVER BAR
(1 – 9 BARS)		 $278.00 $300.00 $277.00 $299.00
10 OZ SILVER BAR (10 – 99 BARS) $278.00 $297.00 $277.00 $296.00
10 OZ SILVER BAR (100+ BARS) $278.00 $295.00 $277.00 $294.00
100 OZ SILVER BAR (1 – 9 BARS) $2,775.00 $2,938.00 $2,772.00 $2,927.00
100 OZ SILVER BAR (10 – 49 BARS) $2,775.00 $2,913.00 $2,772.00 $2,902.00
100 OZ SILVER BAR (50+ BARS) $2,775.00 $2,893.00 $2,772.00 $2,882.00
1 OZ PLATINUM
BAR		 $1,378.00 $1,471.00 $1,376.00 $1,466.00
1 OZ PLATINUM MAPLE $1,417.00 $1,508.00 $1,415.00 $1,503.00

We recommend to visit websites:

Life insurance Ideas is the best way to get peace of mind.
Insurance hints help you to save money on life and disability insurance.
Lowest Insurance Quotes From Top Insurance Companies There are so many ways on how to get low insurance quotes. When you have full access to the internet, you will notice that there are hundreds of sites that offer low business insurance quotes which your company can afford.
Best Dental Insurance blog helps you to find proper advice how to get the best appropriate dental coverage for your family and you.

Insurance for Super Visa and for visitors to Canada

Business sites(catalogs):

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