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Canada: Finance, Real Estate, Insurance, Immigration

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

Автор
Михаил Арбетов

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Canada: Finance, Real Estate, Insurance, Immigration:#27 Maximizing Mortgage Penalties


Dear readers,

Today we get to know about:

1.Critical Illness Insurance – A Must Have

2.Foreign Credentials Recognition in Canada

3.Maximizing Mortgage Penalties – 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

Critical Illness Insurance – A Must Have

Are you planning for a trip in UK or abroad, but is afraid of the unforeseen and unpredicted events that may take place during the trip, like fight cancellation, sudden illness or natural catastrophes. A simple fracture or a simple injury can cost you a fortune. Apart from health problems, you may lose an expensive item or your baggage; there may even be flight cancellation. To shield your travel from all these problems and to make your trip more pleasant, you should certainly purchase travel insurance

Travel insurance is an insurance purchased from a company to meet the expenses of a tour or tours taken by an individual either for the whole family or for him individually. Travel insurance covers the cost of personal accident, medical expenses, air ambulance, repatriation costs and all other expense that may arise as a result of loss, damage, injury, delay or inconvenience occurring to the client. This policy covers trip cancellation also.

Travel insurance covers the travel insurance deals for:

Single Trip Travel Insurance

Annual Travel Insurance

Ski/ winter sports Travel Insurance

Backpackers Travel Insurance

Adventure Travel Insurance

Business Travel Insurance

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

Super Visa Canada Medical Insurance

Canada Dental Insurance

Single Trip Travel Insurance: It is basically for those who have plans to travel in UK or abroad for once in a year. It is totally flexible and easy to purchase.

Annual Travel Insurance: This type of insurance is sponsored for unlimited trips for a whole year. The couple and the family policies cover all people individually even if they are not traveling together.

Ski / Winter sports Travel Insurance: This type of insurance is provided for winter sports like skiing and snow boarding.

Backpackers Travel Insurance: This type of insurance is perfect for students who are planning long trips abroad or within Europe. The students who are planning to take a gap year can enjoy the full benefits of this policy. Even elder people up to the age of 45 can avail this insurance.

Business Travel Insurance: This is basically the insurance given while one is on a business trip.

Adventurous Travel Insurance: If one needs more than sitting in the beach for hours, then go for an adventurous travel abroad. But before that insure yourself with adventurous travel insurance.

There are certain pre-conditions that need to be fulfilled before your insurance company gives you travel insurance. To avail this insurance policy, one has to be a resident of UK, below the age of 70, should not be instructed by any doctor or medical supervisor not to travel in the next 12 months.

It is a very important task on your part to check all the details of the insurance company before buying travel insurance. Almost all the insurance companies now have websites of their own. So it is easier to shop around for you to search for the right insurance plan.

Foreign Credentials Recognition in Canada


Immigrant employment survey job in Canada

See Canada Work Permit Job Vacancies

Skilled workers have reported that credential evaluation processes are confusing, time consuming and expensive. Only few employers recognize immigrants as professionals. Most of them (small, medium-sized businesses) do not accept foreign education and work experience either.

As a result many immigrants change their profession after they arrive toCanada.

On November 30, 2009 government of Canada announced the release of the Pan-Canadian Framework for the Assessment and Recognition of Foreign Qualifications (Framework). 50 Million Canadian dollars have been aimed by government to achieve the goal within two years.
According to this initiative, the immigrants will get clear information as early as possible during the immigration process. The goal is that within one year of submitting a complete assessment application for licensure, an applicant will know whether his/her credentials have been recognized. If not, the applicant will be given specific directions what to do for certificationor forwarded toward related occupational commensurate with his existing skills or experience.

Canada immigrants certification Working in Canada Tool
By December 31, 2010, it is expected that the necessary processes and supports will be applicable to the following occupations: medical laboratory technicians, occupational therapists, registered nurses,physiotherapists, pharmacists, architects, engineers, financial auditors and accountants.
The following on-line resource HRSDC’s WiC (http://www.workingincanada.gc.ca ) has been developed Under Framework Program. Around 70,000 visitors attended the site in August 2009. It produced over 53, 000 individualized reports.
The Working in Canada Tool will help you to decide where to live and work in Canada. You will be able to receive the most recent information on job descriptions, wages, skill requirements,language training and job opportunities based on your occupation and preferred location. By learning about different occupations and Canadian regions, you will be able to make right settlement decision that will help you and your family to settle down quickly in Canada. This might make your job search in Canada more smooth.
The following question is still unclear: will Canadian employer be loyal to immigrant – job applicant? Is he/she willing to accept internationally trained worker experience and education, recognized by Canadian regulatory bodies, as benefit but not a barrier? (Resource: A Commitment to Foreign Credential Recognition: Government of Canada Progress Report 2009)

Ekaterina Potekhina
Certified employment counsellor,
Member of BC Career Development Association (www.bccda.org )
Member of Society of Translators and Interpreters of BC (www.stibc.org )


Maximizing Mortgage Penalties – By Elana Rendell, AMP
Job Search in BC. Accountant.

Canadians seeking a sure-fire investment return should look no further than their mortgage. Paying it down as quickly as you can will, in most cases, result in a stellar return on your investment.
Prepayment options are worth exploring because paying down even a small amount of principal (the true cost of the mortgage loan minus the interest) has huge benefits over the life of a mortgage.
Mortgages are front-loaded when it comes to interest meaning, in the early years, most of the money you pay goes toward paying the interest on the amount you borrow as opposed to the principal.
For instance, if you borrow 95% of your home’s value, you’re paying $3 of interest for every $1 of principal you pay. So, by paying an extra $1 of principal, that’s $3 less you’ll have to pay in interest, at least in the early stages of a mortgage.
Range of prepayment options.
There are a variety of ways to make prepayments work to pay down your mortgage faster. We can discuss your specific needs, but following are some general rules.
Most lenders allow you to make a lump-sum payment of anywhere between 10% and 25% of the value of your mortgage per year. The lump-sum payment is based on either the original amount you borrowed or the amount currently outstanding. Since mortgages decrease with each payment, it’s best to negotiate a lump-sum payment option based on the original amount you borrow. That way, if you come into an inheritance, a big bonus or save a large sum of money, you can pay down the largest amount possible.
Another factor to consider is when you can make a lump-sum payment. Some mortgages allow prepayments during the year, while others permit it only on the anniversary date. Still others allow you to make prepayments on the day you make your regular payment.
If you can’t pay the maximum prepayment amount, it’s still worth your while to at least make some extra payment, even if it’s a few thousand dollars each year. That will still save you thousands of dollars in interest payments.
Another prepayment option involves taking advantage of flexible payments. Most lenders allow you to increase your regular payment up to a set maximum, such as 15%, while others allow you to double up your payments.
If, for instance, you have a $1,000 per month mortgage payment and increase it by 15% to $1,150, you could shave off as much as five-and-a-half years on a $200,000 mortgage.
You can also pay off your mortgage faster by moving to a different payment schedule. Instead of making monthly payments, make them biweekly or even weekly. Using an accelerated mortgage – where you make payments every two weeks as opposed to twice a month – you actually make one extra payment in the calendar year. By paying more and paying faster, you reduce your principal earlier, which lowers the amount of interest you pay.
Another option is to round up your mortgage payment from, say, $766 to an even figure such as $800, because any extra little bit goes toward the principal.
As always, if you have any questions about paying off your mortgage faster or about your mortgage in general, I’m here to help!

Elana Rendell, AMP
Mortgage Planner
www.elanarendell.com

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

Gold & Silver in Canada

August 28, 2012

Item Buys CAD Sells CAD Buys US Sells US
1 OZ GOLD BAR 
(1 – 9 BARS)		 $1,637.00 $1,689.00 $1,651.00 $1,700.00
1 OZ GOLD BAR 
(10 – 49 BARS)		 $1,637.00 $1,685.00 $1,651.00 $1,696.00
1 OZ GOLD BAR 
(50 – 99 BARS)		 $1,637.00 $1,683.00 $1,651.00 $1,694.00
1 OZ GOLD BAR 
(100+ BARS)		 $1,637.00 $1,681.00 $1,651.00 $1,692.00
5 OZ GOLD BAR 
(1 – 19 BARS)		 $8,173.00 $8,402.00 $8,245.00 $8,455.00
5 OZ GOLD BAR 
(20+ BARS)		 $8,173.00 $8,392.00 $8,245.00 $8,445.00
10 OZ GOLD BAR
(1 – 9 BARS)		 $16,326.00 $16,785.00 $16,471.00 $16,891.00
10 OZ GOLD BAR
(10+ BARS)		 $16,326.00 $16,765.00 $16,471.00 $16,871.00
20 OZ GOLD BAR
(1 – 4 BARS)		 $32,593.00 $33,391.00 $32,882.00 $33,602.00
20 OZ GOLD BAR
(5+ BARS)		 $32,593.00 $33,351.00 $32,882.00 $33,562.00
1 KILO GOLD BAR (32.15 TROY OZ.) $52,394.00 $53,676.00 $52,857.00 $54,015.00
1 KILO GOLD BAR 
(5+ BARS)		 $52,394.00 $53,612.00 $52,857.00 $53,950.00
1 OZ GOLD MAPLE – .9999 (1-9 COINS) $1,644.00 $1,709.00 $1,658.00 $1,720.00
1 OZ GOLD MAPLE (10 – 49 COINS) $1,644.00 $1,705.00 $1,658.00 $1,715.00
1 OZ GOLD MAPLE (50 – 99 COINS) $1,644.00 $1,703.00 $1,658.00 $1,714.00
1 OZ GOLD MAPLE (100+ COINS) $1,644.00 $1,701.00 $1,658.00 $1,712.00
1/2 OZ GOLD 
MAPLE		 $836.00 $892.00 $843.00 $898.00
1/4 OZ GOLD 
MAPLE		 $422.00 $454.00 $426.00 $457.00
1/10 OZ GOLD MAPLE $172.00 $190.00 $174.00 $191.00
1/20 OZ GOLD MAPLE $86.00 $111.00 $87.00 $112.00
1 OZ GOLD MAPLE 
.99999 RCMP		 $1,648.00 $1,739.00 $1,663.00 $1,750.00
1 OZ GOLD MAPLE OLYMPIC $1,644.00 $1,709.00 $1,658.00 $1,720.00
1 OZ GOLD MAPLE DAMAGED / .999 $1,623.00 $0.00 $1,638.00 $0.00
1 OZ SILVER MAPLE (1 – 49 COINS) $31.18 $33.50 $31.46 $33.71
1 OZ SILVER MAPLE (50 – 499 COINS) $31.18 $33.30 $31.46 $33.51
1 OZ SILVER MAPLE (500-2,999 COINS) $31.18 $33.10 $31.46 $33.31
1 OZ SILVER MAPLE (3,000+ COINS) $31.18 $32.90 $31.46 $33.11
1 OZ SILVER MAPLE MOOSE (2012) $31.18 $34.89 $31.46 $35.11
1 OZ SILVER ROUND (1 – 99 ROUNDS) $30.34 $32.75 $30.61 $32.96
1 OZ SILVER ROUND (100 – 499 RNDS) $30.34 $32.50 $30.61 $32.71
1 OZ SILVER ROUND (500+ ROUNDS) $30.34 $32.26 $30.61 $32.46
10 OZ SILVER BAR 
(1 – 9 BARS)		 $303.00 $326.00 $306.00 $328.00
10 OZ SILVER BAR (10 – 99 BARS) $303.00 $323.00 $306.00 $325.00
10 OZ SILVER BAR (100+ BARS) $303.00 $321.00 $306.00 $323.00
50 OZ SILVER BAR $1,517.00 $1,613.00 $1,531.00 $1,623.00
100 OZ SILVER BAR (1 – 9 BARS) $3,034.00 $3,196.00 $3,061.00 $3,216.00
100 OZ SILVER BAR (10 – 49 BARS) $3,034.00 $3,171.00 $3,061.00 $3,191.00
100 OZ SILVER BAR (50+ BARS) $3,034.00 $3,151.00 $3,061.00 $3,171.00
1 OZ PLATINUM 
BAR		 $1,493.00 $1,586.00 $1,506.00 $1,596.00
1 OZ PLATINUM MAPLE $1,533.00 $1,631.00 $1,546.00 $1,641.00

 

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