คาสิโนออนไลน์ แจกเครดิตฟรี _เว็บการพนัน _sodazaa ดูบอลสด https://www.google.com//84d Your Guide to Life in Canada Tue, 21 Nov 2017 09:22:24 +0000 en-US hourly 1 https://wordpress.org/?v=4.8.7 /84d/wp-content/uploads/2017/08/canadian-newcomer-magazine-150x131.png Canadian Newcomer Magazine https://www.google.com//84d 32 32 ESL: At Home With LINC https://www.google.com//84d/esl-at-home-with-linc/ /84d/esl-at-home-with-linc/#respond Tue, 21 Nov 2017 09:01:27 +0000 /84d/?p=3560 You want to improve your English, but you can*t go to school every day. Maybe you have a job. Or a beautiful new baby that you need to stay home and take care of. Then again, maybe you can*t attend because of medical reasons. Or because you live too far from an English school.

Well, you*re not alone. There are many newcomers in such situations. And Ontario*s LINC program is reaching out to help more of them each year.

How? With the increasingly successful LINC Home Study program.

※It*s great!§ says Emmy, a make-up artist who came to Canada from China. ※I don*t need to go out to school in bad weather. It*s very convenient.§

Emmy is staying home now to take care of her new baby girl. She does LINC homework online when she has a chance 每 usually three or four times a week.
※It depends on the housework and on my children. Sometimes my daughter says, play with me, play with me!§

Emmy used to attend LINC day classes and evening classes, and she plans to return to school when her children are older. But for now, she says, the Home Study program is an excellent alternative.

The program offers the LINC curriculum for levels 2 to 7. Learners have a choice of two study options:? online (using the Learning Management System) or correspondence (using books and CDs).

In both cases, a learner works through LINC materials, and other study materials, with an experienced TESL-qualified instructor. The instructor guides and corrects the learner*s written work, and speaks with the learner by phone for a half hour each week.

The phone conversations help newcomers build confidence speaking on the phone in English, while improving their listening skills. Because of these and other benefits, many learners find the weekly phone conversations one of the most enjoyable and useful parts of the program.

※I like speaking with my teacher Laurie,§ says Seyhi. ※She is very helpful. When I have a question, she can give me the answer. She also corrects my pronunciation. We talk about Canadian culture and I tell her about Turkish culture, and we discuss many other topics.§

Seyhi was and is a busy man. The former high school language teacher (in Russia as well as his native Turkey) took a LINC day class and a TOEFL class after he came to Canada. But he couldn*t continue his in-class English studies because he was taking a high school diploma program 每 and a personal support worker (PSW) program. He now works as a PSW in two part-time jobs, and studies English in his spare time at home.

※Seyhi is very, very nice,§ says Laurie. ※A pleasure to talk to. I help him with idioms and grammar, a subject he really likes. I also helped him prepare for his citizenship test.§

Laurie has 15 other students as well. ※They*re quite an interesting mix,§ she notes. ※They come from many places including Pakistan, Ethiopia, Columbia, Kazakhstan, and China. Some have been here several years, others just one year.

※I like teaching this way because it helps you get to know students well. Which is a bit ironic, because in this program you don*t meet your students face-toface. But you can really customize the program to meet the learning needs of each student.§

Clearly learners like the special attention they receive. The program began in 1995 with six students. There are now 600.

※More and more newcomers are expressing interest in joining LINC Home Study,§ says program coordinator Igor Rosic. ※As well, we survey our students on a regular basis and we receive very positive feedback. Learners appreciate the program*s flexibility, our instructors, and the personalized, one-to-one teaching approach.§

For these and other reasons, Igor adds, ※The program has grown strongly year by year in both organization and curriculum. In 2007 we revised our learning materials. We developed additional content for LINC Levels 4 and 5, and we launched Levels 6 and 7.
In 2008, we plan and expect to continue to grow.§

Currently the program serves newcomers living in 15 regions throughout Ontario. This includes areas around Toronto 每 such as Richmond Hill, Vaughan, Thornhill, Markham, and Mississauga (where the program is based, at the Centre for Education & Training) 每 but it doesn*t include Toronto itself. That may change, however, as the program expands. The LINC Home Study program now has over 30 instructors. As more students register, more instructors (including those living in Toronto) are needed.

※There are a number of attractions to teaching ESL this way,§ explains Lily, a teacher with the program since 2000 who also teaches a LINC class with equal enjoyment. ※You can be very creative in tailoring the program to your learners. And then there*s the freedom. To a large extent you can decide when you work, and where. You can even do your work with your laptop computer on a dock at the cottage, with the birds and pines and fresh air.§

These advantages, she says, are in addition to the fulfillment you feel helping some remarkable people achieve their learning, career and life goals in a new country.

Hidrom is one of those remarkable people. The TV, radio and newspaper journalist from Eritrea came to Canada in 2004. Soon after immigrating, he found he had another, even bigger, challenge to deal with. ※I was going blind. I had glaucoma,§ Hidrom recalls. ※It was very difficult. I couldn*t communicate in English, find my way around. The Home Study program, and especially my teacher Lily, made things easier. Also, I have a computer that reads aloud so I don*t need to see the screen. I can stay home and learn,

I don*t have to cross roads and wonder who is going to help me.§

Hidrom didn*t let his big challenges stop him. He went on to graduate from LINC Level 5 每 and was chosen to be the Home Study valedictorian at a LINC graduation ceremony.

Since then he has moved on to Level 6/7, is working as an interpreter, and intends to once again work as a journalist 每 but now in Canada, in English.

Students, teachers and anyone else wishing to learn more about the LINC Home Study program can do so online at ถ่ายทอดสดฟุตบอลwww.tcet.com/linchomestudy/ or by contacting the Centre for Education & Training at (905) 279-0024 ex. 1257 or toll-free at 1-866-277-5462.

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Work: Finding a Job https://www.google.com//84d/work-finding-a-job/ /84d/work-finding-a-job/#respond Wed, 08 Nov 2017 13:51:18 +0000 /84d/?p=3463 By Karen Bridson-Boyczuk

Karen Bridson-Boyczuk is a journalist, author, personal fitness trainer and mother. She has published two books on fitness and health for women.

Finding a job in Canada can be very hard for newcomers. About 70% of new immigrants have trouble finding work, says a study of new immigrants by Statistics Canada. These people had trouble for many reasons, including language troubles, not knowing anyone and their qualifications from their home country not counting here.

The good news is that 44% of newcomers found work within six months of coming to Canada. Of those people, eight in ten had full-time jobs, the others had part-time jobs. Another 37% were still looking for jobs.

Dr. Jarka Hrabal said before she came to Canada she was a respected dentist working at a university in Yugoslavia, but she &was nobody* when she came to Canada.

※I had no language, I had no money,§ said Hrabal, who said she and her husband struggled to put a roof over their children*s heads while they also paid for her to retake her dentist classes.

Between October 2000 and September 2001, Statistics Canada and Citizenship and Immigration Canada asked 12,000 of the 165,000 immigrants who came into the country a number of questions about six months after they arrived. They put their answers together in a Statistics Canada study in 2001. The study found:

  • 70% of all newcomers had jobs
  • immigrants aged 25 to 44 had the most jobs, with half of these people getting a job within six months of coming to Canada
  • newcomers who came to the country with lots of money had more jobs than those who came with less money
  • more than half of newcomers who could speak English or French had jobs when asked, but only one-third of those who couldn*t speak those languages had jobs
  • six out of ten people who had jobs were not working in the same jobs they did in their home country
  • most newcomers work in sales and service, processing and manufacturing jobs
  • before coming to Canada, men mostly worked in sciences and management and women mostly worked in business, finance, administration, social science and education
  • 42% of newcomers with jobs were looking for another job
  • 76% of newcomers had at least one foreign credential (schooling higher than high school)
  • having no experience and trouble with credentials were problems for 26% of newcomers with credentials
  • 22% of newcomers with credentials said language was a problem finding work and 9% said not having a job made it hard to find better jobs
  • by six months after arrival, 26% of immigrants with credentials had one credential verified
  • by six months after arrival, 45% of newcomers had pursued some kind of schooling
  • 28% of newcomers had taken one or more classes toward a degree or certificate and 12%.

Today she is a successful dentist, but she remembers how hard times were then.
When people first arrive in Canada they are usually given work permits quite quickly, then directed to a number of agencies in the community that can help them get settled and find work.

Josie DiZio, Director of Employment Services with COSTI, is a person who tries to help new Canadians find work. One program she helps provide is called the Centre for Foreign Trained Professions and Trades. ※These programs are for people with any professional background who are unemployed,§ she said.
The program is three weeks long and is in a group setting. Students learn about job planning, finding jobs while going to school, how to get a job full-time and working on interview skills.

At the end of the program, workers in the program try to help people find jobs. Another program COSTI offers is Job Connect Internationally Trained Individuals Program. This is a more flexible program, giving students one- on-one help and job search help. Students in this program can get $400 to put towards buying business clothes, setting up a telephone and things they need to get a job.

※We help people find jobs,§ DiZio said.

The ProConnect program is a two-week job search program with individual support. This is another option for newcomers with training past high school from their home country. For those who are not specially trained, COSTI also has 12 Employment Resource Centres across the GTA to help them.

※They are like a library,§ she said. ※They can*t get one-on-one counseling but they can use the computers and use the books.§

There is also a JobConnect Youth Program for younger people looking for work. COSTI also offers many language services to help people learn English. Even with the help of these programs, it is still hard for newcomers to find jobs. But more and more employers want to hire newcomers these days, said DiZio.
※We*ve been working quite a bit to raise the awareness of employers that this is the labour market now and that it is a good business practice to hire new Canadians,§ she said. ※Word is out and employers are much more receptive today than they were even a year ago.§

Banks are one of the places newcomers are hired the most, she said. The City of Toronto, Canadian Tire and Home Depot are also among the companies that hire many new Canadians.

The Access to Professions and Trades Ontario

A new online resource (www.211ontario.ca/apt/) is helping skilled newcomers pursue jobs in Ontario with skills in a profession or trade.※More skilled immigrants will have access to information that will help them continue to practice their profession or trade in Ontario,§ said Mary Anne Chambers, Minister of Training for the province.

The site also has a list of 1,500 services that can help newcomers find work. Newcomers can also dial 211 on the telephone and get free help finding information in many languages.

The Statistics Canada study said many newcomers think getting more schooling is important for their finding jobs they want here.

The study said 67% plan to get further training.

One place that is helping newcomers get on that path is Skills For Change, a Toronto-based organization helping internationally-trained professionals. Ramsay Kane is the manager of the Skills for Change STIC (Sector Terminology, Information and Counseling) program. The program helps people find work in four sectors: accounting, engineering, health care professionals and information technology. These four areas of work are where people are needed in Ontario.
※We provide six weeks of classroom training,§ said Kane, who said the accounting program is 12 weeks long. In the program people learn many things in the classes, including tips on how to find jobs, how to write a good r谷sum谷, how to be interviewed and what words they will need in their jobs in Canada. They also receive counseling.

※Coming to a new country, some of these people are coming from pretty traumatic situations,§ he said. ※These people also have other issues they are facing. Some of these people may have been imprisoned or persecuted or had a family member murdered. Dealing with these issues is number one. And they have (very little) money and sometimes no support. They need to be dealt with in a really compassionate way.§

The technical words they used in engineering in their country may not be the words used here, he said, so STIC teaches them the words they will need. They also learn what*s going on with people in that area of work and help them learn about what schooling they will need, what certifications they will need and what their schooling at home is worth in Canada.

Some people who come into this program have already done some schooling in Canada and are ready to get jobs. Others have just started the job of finding work.
※We link them up with the world they will be working in,§ he said. Skills for Change can also help them learn to speak better English. For people who don*t have special skills, Skills for Change offers help finding work in sales and secretarial jobs.

Programs like these are important because many of the professionals in Canada today were first trained outside of the country. About one-third of the 65,000 licensed engineers in Ontario were educated outside Canada, said David Smith, of Professional Engineers Ontario (PEO).

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What is Violence Against Women? https://www.google.com//84d/what-is-violence-against-women/ /84d/what-is-violence-against-women/#respond Wed, 08 Nov 2017 11:36:18 +0000 /84d/?p=3404 By Sally McBride

Violence means fighting, hostile or cruel action against others. The opposite of violence is peace. We all would like to have peace in our homes and families, but some unfortunate women do not.

The United Nations says that violence against women means any act of violence towards a woman, not only hitting. It can be physical, sexual or psychological harm or suffering. It can happen in private, at home, or in public. It can happen to anyone, rich or poor, old or young, immigrant or native-born. Countries belonging to the United Nations, including Canada, agree that this is always wrong.

Why do some men hurt women?This might be because the man feels weak or powerless and must make the woman feel small. This makes him feel bigger. He wants to control her. Especially if a woman is smart or pretty, an abusive man feels that he has to break her spirit. Some men may feel it is ※okay§ to hit or threaten a wife or girlfriend, because they saw their fathers strike their mothers or sisters. They might have a very bad temper and not know how to control it.

It doesn*t have to be a punch or slap to be violence. There are different ways to hurt.

Physical violence This could be anything from pushing and shoving, to hitting, beating, use of a weapon, torture, mutilation or even murder.

Emotional and mental violence This kind of violence is against a woman’s self-confidence and feelings about her own value as a person. It could be yelling, insults, mockeries, and threats. If a man curses at you or humiliates or harasses you, or shows contempt, that is a form of violence. He might hold back any form of care for you, or keep you away from friends and family.

Sexual violence Any form of forced sexual activity that a woman does not agree to. This is everything from harassment, unwanted sexual touching, to rape. This form of violence also includes incest (sex between family members, such as father and daughter).

Financial violence This is when a man takes control of all the money, even what you should have for yourself. He might take away your pay. He might keep you from having your own bank account or savings. He might forbid you to get a job or do anything to earn money.

Neglect Failure to provide for a person’s basic needs and human rights, such as food, shelter and clothing. If you are refused food, or told you cannot see a doctor if you are sick or hurt, this is neglect, a form of violence against you.

You have the right as a human being to have respect, care and attention. If your man hits or abuses you (or your children) in any of these ways, and you do not feel safe, then you must ask yourself if it is wise to stay with him. He may say he loves you and is sorry for hitting you, but still he hits you. It is wrong for him to do this, and you can seek help. Remember, you are not the only woman to suffer. There are many people and services ready to help you and others like you.

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Insurance: Quick EI Tips https://www.google.com//84d/insurance-quick-ei-tips/ /84d/insurance-quick-ei-tips/#respond Tue, 07 Nov 2017 10:33:04 +0000 /84d/?p=3372 By Veronica Leonard

1. EI accepts discrimination such as verbal or physical harassment as grounds for quitting a job. Keep a record of everything but to speak to your employer, union or health & safety committee first to see if it can be resolved.

2. Penalties for employers and employees who lie on a record of employment about hours and income are very severe. Do not try it.

3. If you are regularly laid off from your job and you want to take a course (including ESL or upgrading) ask your employment centre about The Seasonal Feepayer program. The course has to be during your lay-off and you agree to leave the course if you are called back early. Although you have to pay for the course, you will continue to get your EI.

4. Maternity leave of 15 weeks is only for mothers who are giving birth, but Parental leave of 35 weeks can be taken by either parent or shared by both.

5. You cannot work while you are on parental leave but you can attend a course at your own expense as long as you are providing child care part of the day.

6. Never EVER quit a job to go to school, unless it has been approved first in writing by your employment centre case manager and provincial training department as part of a training action plan.

7. If you are thinking of starting your own business, you may be able to get income support from EI for up to 40 weeks as well as training on running a business in Canada. Ask your local employment centre.

8. If you are still unemployed after your EI has run out, even if you have to apply for Social Assistance, you are still eligible to apply for financial support for training programs, including support for tuition, books, childcare & transportation as well as living costs from EI.

9. Never listen to advice of friends about EI, go to your local Service Canada centre or call EI Toll Free 1-800-206-7218 and ask. Guidelines and programs are continually changing depending on the economy and government policies.

10. Never be ashamed to apply for Employment Insurance, it can be the door to new opportunities.

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Valuing Newcomers https://www.google.com//84d/valuing-newcomers/ /84d/valuing-newcomers/#respond Mon, 06 Nov 2017 14:40:26 +0000 /84d/?p=3364 In Canada, the P.Eng. designation represents the highest standards of engineering knowledge, experience and professionalism. It tells employers that you are committed to engineering excellence; that you have the right skills, education and attitude; and that you’re a responsible professional with proven problem solving abilities. To practise professional engineering in Canada, you must obtain the P.Eng. licence in the provincial/territorial jurisdiction in which you are employed. In Ontario, only those individuals who have demonstrated that they possess the necessary qualifications and have been licensed by Professional Engineers Ontario (PEO) can call themselves professional engineers, take responsibility for professional engineering work and use the P.Eng. title.

A leader among regulators in Canada, PEO has worked hard for many years to enable newcomers to better use the skills, education, and experience they bring with them. Since 2000, applicants from over 1000 institutions world-wide have been granted licences by PEO. One-third of the association*s 75,000 licence holders were educated outside of Canada.

To help ensure that newcomers arrive in Ontario with full knowledge of our licensing requirements and a head start,PEO enables prospective immigrants to begin the process from outside Canada, before they finalize their immigration plans, and to continue the process when they arrive. Its website?www.peo.on.ca?includes information on licensing requirements, application procedures and downloadable application forms.

To help international engineering graduates obtain experience for licensure, PEO created the provisional licence in 2003 for applicants who have met all the requirements for licensing as professional engineers except the required 12 months work experience under a Canadian professional engineer. A provisional licence tells potential employers that the holder is qualified academically and has demonstrated knowledge of the profession*s high professional practice and ethics standards.

In 2007, PEO introduced the Engineering Intern Financial Credit Program (FCP) to remove potential economic hurdles to licensure application for engineering graduates and newcomers to Canada. Under the program, international engineering graduates and Canadian university graduates may be eligible to apply for a licence at no cost and be enrolled in the first year of PEO*s Engineering Intern (EIT) Program. Full details on the program are available at?www.peo.on.ca/FCP/FCP1.html.

※While a professional engineer licence is not required for engineering employment in Ontario when a professional engineer supervises and is responsible for the work, most employers want to know if a prospective employee would be eligible to become a professional engineer,§ says PEO President J. David Adams, P.Eng., MBA, FEC. ※Our process provides a front-end assessment of credentials and through the EIT program applicants and their employers are guided to complete the remaining requirements for licensure.§

In 2010, at PEO*s request, the provincial government eliminated the requirement to be a citizen or to have the status of a permanent resident of Canada to obtain a P.Eng. licence, provisional licence or limited licence. Now, qualified applicants may arrive in Canada with many of the licensing requirements already met so they can enter the engineering workforce sooner.

For more information on obtaining a licence to practise professional engineering in Ontario, visit?ถ่ายทอดสดฟุตบอล.

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Using Children As Interpreters https://www.google.com//84d/using-children-as-interpreters/ /84d/using-children-as-interpreters/#respond Mon, 06 Nov 2017 14:19:34 +0000 /84d/?p=3358 By Aruna Papp

Research shows that immigrant children learn English faster than their parents, therefore it is understandable why some parents use their children as interpreters. Parents requiring assistance might be reluctant to ask questions because they feel that their English is weak, their questions might be embarrassing, or they may not know the proper vocabulary to transfer thoughts and emotions from their native language into English.

Parents may not know that the services of a qualified interpreter are available to them, and if they do, they sometimes worry that they live in a small community where everyone knows each other and the interpreter will gossip about them.

This is an ungrounded fear. Interpreters are trained professionals. Just like counsellors, doctors and nurses they are bound by ethical principles to keep client information confidential. Clients should not fear about their private information being shared in the community.

As a counsellor I do not allow children to be used as interpreters for many reasons.

Regardless of their age, children often have a personal stake in the information being passed between the service provider and the parent . Children may be embarrassed by the information, not agree with the information or may edit the information giving their own version of the situations.

When dealing with medical concerns, domestic violence or parent and teacher meetings, using the children as interpreters puts them in a very difficult emotional situation which can have a detrimental impact on them. If the medical news is bad the child might want to protect the parent from the bad news. If there is domestic violence they will want to shield one or both of the parents. In a situation with school they might not relay the correct information from the teacher to the parent.

It is also possible that the children may withhold important information from the service provider because they do not want their family to look bad and the family may not receive appropriate care.

A doctor friend shared with me how hard it was for a fourteen year old daughter to explain in English a very common problem called &heart burn* in English. In Punjabi, which the mother spoke, there are many different ways to explain this problem but translating it into English is very difficult.

Finally, when children are under stress they may not be able to keep information confidential. They might share the information with their friends, relatives, teachers or other people they trust.

The child might also feel guilty as keepers of important information and worry about the consequences. For example, if there is domestic violence the child might worry that the family is going to break up and they might lose one or both parents. Sharing &adult* information with children, regardless of their age can impact a child*s emotional and mental health. They do not know how to deal with &adult problems*.

Children who have adult information also have new power over their parents and this creates an imbalance of power and role reversals in the family. The child can choose what information to share with the parent. The child can decide what help the parent should receive.
In addition to the reasons mentioned above, there may be cultural, religious, spiritual and moral restrictions against involving children in adult situations and discussions (e.g., sexual practices, reproductive health, substance use and abuse, and domestic violence). The majority of the social services and many of the doctors* offices will have an interpreter for you if you make that request at the time of making your appointment.

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Training: Back to School or Back to Zero https://www.google.com//84d/training-back-to-school-or-back-to-zero/ /84d/training-back-to-school-or-back-to-zero/#respond Mon, 06 Nov 2017 13:03:21 +0000 /84d/?p=3312 Over three years ago, Sabine moved from her home country, Germany, to Toronto, where she has been working as a journalist and translator ever since. Up to this day, she still lovers everything about Canada 每 apart from the winters.

Ever since high school, I knew I wanted to become a journalist, partially because I*m nosy by nature, partly because my teachers told me I had a real talent for writing. Knowing how competitive this field was, I had already authored stories for different newspapers while I was studying politics and media science at university and I was extremely lucky to find a full time job as an online editor immediately after graduating with an M.A.

A few years later, though, my so well laid out career plan took an unexpected turn: I decided to leave my home country and move to Canada, not for matters of professional advancement but for matters of the heart. In case you have done the same 每 and it doesn*t make a difference whether you immigrated for the love of a spouse or the love for economical and political freedom 每 you probably know that living here can come at a price: the permanent, abrupt and often painful break-up from a profession you had also loved.

Admittedly, my heartache could have been worse and it wasn*t even completely over between me and journalism. I have been able to continue working for the publishing company I used to work for back in Germany, and it didn*t take me too long until I got the opportunity to write for the wonderful magazine you are holding in your hands right now.

Yet, I had to realize pretty fast that I was never going to have the same chances to find a full-time job in media as any native English-speaking, Canadian-graduated writer would have.

As we all know, spending money is a lot easier than earning it. Soon enough, the dangerous combination of plenty of spare time and my attraction to big malls and not so cheap yoga studios made it necessary for me to find more work. After some investigation into the Canadian labour market, I came up with two options: scrape the rest of our savings together, head back to school to take a course in English journalism and update my credentials, or swallow my pride and do something that required barely any qualifications, let alone eight draining semesters of studying at university. Of course the later choice didn*t seem all too appealing, especially when I imagined how my family back home would react when I told them I was now serving coffee for a living. ※And this is what we paid years of education for?§ weren*t words I was keen on hearing, ever.

Enrolling in one of Canada*s bridging programs (courses especially designed for immigrants that help them get licensed or certified in their previous profession in order to be able to work here) can make a lot of sense for newcomers, especially in fields like education or health care. A friend of mine from India used to drive a cab to pay his dues, until he decided to take the course that was necessary to allow him to return to his former profession as college teacher. Although in his case he found a job afterwards, makes good money now and loves being in his old job, two more years of studying and almost 5,000 dollars in fees surely aren*t for everyone. The lady who used to clean my house while I was working full-time took a different course of action: before leaving Ukraine she had been a university teacher, but because her English wasn*t great when she first moved here, she started working as a maid. A few years later, she decided to become an entrepreneur by taking a management course and starting her own cleaning company. She now runs a very successful business with several employees.

In my case, our sad-looking bank account told me that I neither had the time nor the money to sign up for a college program and go for another couple of years with barely any income. Yet, sheer luck was on my side again: literally a few minutes after I had breathed a big sigh and filled out the job application form to start working at Loblaws, I received a phone call from a company that was interested in hiring me as their full-time translator. By pure coincidence they had found my r谷sum谷 posted on a German-Canadian commerce website. Although becoming a translator had not even occurred to me before, of course I accepted gladly and soon I fell in love all over again: with my new workplace, the interesting position and my nice colleagues. Plus, I ended up earning almost as much as I used to make back in Germany and certainly a lot more than I would have as a cashier at a grocery store. Almost the best part about it: I got to go shopping for a whole new business wardrobe and this time I was even able to justify my spending!

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Tax Matters: Give Wisely https://www.google.com//84d/tax-matters-give-wisely/ /84d/tax-matters-give-wisely/#respond Sun, 29 Oct 2017 16:19:02 +0000 /84d/?p=3179 By Michael Crawford

Canadians are a generous people. Currently there are over 85,000 registered charities in Canada that cater to a variety of goals such as the relief of poverty; advancement of education or religion or ※other purposes beneficial beneficial to the community…§. This issue I will examine rules about charities and the Income Tax Act. I will also look at some of the warning signs when a charity’s intentions are less than honourable.

Registered Charities

If you are considering giving to a charity you should go to the List of Charities on the Canada Revenue website and make sure the ถ่ายทอดสดฟุตบอลcharity of your choice is registered. If it is not registered you may want to reconsider your donation. A charity that is not registered is not permitted to issue charitable donation receipts for your tax return. Some charities do exist that do good work but are not registered with the Canada Revenue Agency (CRA). If you are familiar with such a charity, and wish to support their work you may, of course, give them your money but you will not be able to receive a credit on your tax return.

It’s a Good Feeling

A donation (also called a ※gift§ in tax terms) ※…is a voluntary transfer of property without valuable consideration to the donor.§ In other words, you are giving something up and expect nothing in return (except feeling good about yourself, which is okay because good feelings are not taxable). This gift usually takes the form of cash, but it doesn’t have to. Donations of securities, property, land, art, cultural property and more are all acceptable forms of donation.

What’s In It For Me?

Receipts. If you give $20 cash, you get a receipt for $20. If you give securities, their value will be determined by their Fair Market Value (FMV) immediately before you donated them. As a practical matter, the value of securities would be determined by referring to the closing number on the listing exchange (e.g. TSX) on the day the securities are donated. Other forms of donation worth more than $1000 have to be appraised by an appraiser familiar with the class of object to be valued. Gifts of less than $1000 do not need to be appraised but the donor should keep all documents relating to the value of the gift given. Also if you are donating capital property you must be aware that your donation may trigger a capital gain or loss that you must also take into consideration in your tax planning.

How Much is Too Much

How much should you give? Well that is between you and your budget, however, keep in mind, generally, you may not deduct more than 75% of your net income (Line 236 on your tax return). I have never seen anyone donate 75% of their net income to charity other than in the year they died and the rules for charity and death are a whole other article.

Things To Watch Out For:

1. Buy Low Sell High is a great mantra [saying] if you are investing in the stock market but it is a great big red flag when it comes to charity. The scam works something like this: you agree to purchase something, usually multiple copies of software or several pieces of art, at a deep discount because you are buying in volume. You immediately donate these goods back to the charity for its retail value which is the amount of your receipt. For example; WeBScammers offers you the opportunity to buy 100 copies of Junkware 2.0 software for $2 a copy; so you write a cheque for $200. Junkware 2.0 retails for $20 a copy in the stores, so WeBScammers gives you a receipt for $2,000. This will save you $552 in federal taxes and another $100 to $300 in provincial taxes depending on your province’s tax rates. Sounds like a great deal….but it’s illegal. Don’t fall for it!

2. Someone calls you up to thank you for your pledge and request a cheque. The problem is that you don’t remember making a pledge. Are you becoming senile [forgetful]? No. This is simply another tactic to separate you from your money. Don’t fall for it. If you don’t remember making a pledge and have never heard of the charity just hang up the phone.

3. Don’t recognize the number on your phone display? Reputable charities do not hide their identities. In fact honest charities do everything they can to promote themselves including allowing their phone number to show up on your call display. The Income Tax Act and other related legislation are large and complex laws that frustrate even the professionals at times. This article is intended to increase your awareness of issues that affect you and encourage you to look more closely at the ones that relate directly to your situation. You are encouraged to seek professional guidance specific to your unique situation.

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Work: The Workplace of the Future https://www.google.com//84d/work-the-workplace-of-the-future/ /84d/work-the-workplace-of-the-future/#respond Sat, 21 Oct 2017 18:15:06 +0000 /84d/?p=3227 by Sandra Fletcher

(Picture of Asimo courtesy of American Honda Motor Co. Inc)

CNMAGIn the 1980s it was thought by many that employment in the year 2000 would have us all balancing work and leisure using technology to assist us to a perfect state of peace of mind. We would simply fly our jet pack to work, speak into our computers, and whisk ourselves away to the spa for a relaxing afternoon massage!

So serious were the predictions that York University in Toronto in the early 1980s offered a course on ※leisure time§ management. The course focused on how to help people structure their lives to help them avoid the stress of too much free time.

While their predictions were somewhat correct in that we do rely more and more (and even MORE) on technology each passing day with our cell phones, PDAs, BlackBerry in the car, computers, wi-fi access in the donut shop and Blue Tooth headsets in the bathrooms, these tools have not made our lives easier but even more complicated. Far from the reality of being unplugged and relaxed, today*s workers are overworked, stressed and plugged-in around the clock.

Ch-ch-ch-changes

The workplace is always changing. ※With 26 percent of our current work force preparing to retire in the next decade, it is crucial that we harness this knowledge prior to them leaving our organizations and industries. The utilization of technology to harness this is critical, especially if we want to remain effective, efficient and competitive in the global market,§ says Cary Redstone, CEO of MMC Learning and Development, an international multimedia e-learning company.

As baby boomers (people born between 1940 and 1963) reach the age of retirement, the face of our workplaces will change. A younger, more technologically savvy worker will evolve not only the way workplaces look and feel but also how employees will be satisfied with their work. ※e§ (or electronic) is a key concept in the future. It is essential that workers who want to ensure their jobs are computer, internet and technologically experienced.

The internet makes our world MUCH smaller. For example, gone are the days where it took weeks to process payments and send cheques. Today accountants and bookkeepers use technology to wire funds instantly around the world. And because the world is ※shrinking§ it is increasingly easier to communicate. Faxes, paperless workplaces, emails and even texts make it possible to talk to anyone, anywhere, anytime.

Business Directions

CNMAGThe face of the Canadian workplace is changing every day. There is no doubt that immigration makes for a multicultural workplace. But a lot of companies are starting to realize that cultural awareness is important to their bottom line. Employment industry specialist and General Manager of vpi inc., Thea Aldrich says that ※our company is committed to recognizing cultural diversity in the workplace. What is important to our employees is also important to us as an organization.§

More and more companies are finding that the make ? up of their workforce has changed. Since the 1930s women have held a growing percentage of jobs. As these women have become better at their jobs, more educated and diverse, they have taken on bigger and more responsible roles. But, while women now make up over half of the Canadian workforce, female managers are outnumbered 2:1 by males and very few women lead Canadian companies.

Lets get Physical

How our work environment looks is changing too. In the 1990s many companies switched from business formal attire for their employees to business casual. The theory behind this move was that a more comfortable employee was a more productive employee.

Employers are also adjusting that dress code to accommodate the shift in cultural diversity. Burkahs, saris, salwar kurtas and ethnic and religious head coverings are becoming more common place in Canadian offices. Diversity recognition is an easy accommodation for employers to make.

How employers accommodate several changes at once is a testament to the dizzying pace of today*s economic and technologically evolving times. If employers want to keep well-educated, ethnically diverse and happy workers with skills and attributes they value, they will have to make changes. One of these changes is telecommuting.

IBM reports that over 54 percent of its current US employees do some of their work through ※telecommuting§. Telecommuting is a work arrangement that allows the worker to perform some or all of their work while at another location. Many workers find working at home a sensible alternative to traveling into an office each day and find they are more productive and consequently happier in their jobs.

Many companies, however, are reluctant to introduce telecommuting to their employees, fearing that productivity will be negatively affected. To make telecommuting an effective arrangement a company has to consider how its managers monitor their employees, the nature of the work being done, security of information; and balance these concerns with employee satisfaction.

One of the most successful telecommuting employee/employer arrangements is Pizza Pizza and its virtual call centre concept. At any given time up to 50percent of the company*s representatives are working remotely from their own homes. It is an efficient, cost effective, forward thinking system for the company and a great alternative for today*s technologically aware worker who wants flexibility in their career.

What DOES the future hold?

But what if your job doesn*t have you working from home OR using technology? What if your job has you working hard and not having ANY time for leisure? Honda has designed some help for you.

In Japan, ASIMO, a robot butler, can definitely help you out around the house. It can walk, run, perform tasks and recognize commands you program in and for a mere million dollars, ASIMO could change your life!

The last word

Truthfully, we have no idea what will happen at work. None of us can really predict the future. But, in order for the Canadian workplace to change we have to change the attitude of both the Canadian employer and the Canadian worker. It*s the enlightened employee, well educated and well researched, who will benefitfrom all the leisure time promised two decades ago intheir future workplace.

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The taste of the Danforth https://www.google.com//84d/the-taste-of-the-danforth/ /84d/the-taste-of-the-danforth/#respond Sat, 21 Oct 2017 18:11:36 +0000 /84d/?p=3224 The Taste of the Danforth 2008, 15th celebration of Greek cuisine in Toronto, looked more like a celebration of umbrellas than food. The rain, a frequent visitor this summer, made the starts of the show 〞souvlakis, sosaties and brochettes〞 almost invisible.

But it was only an illusion. Every time it stopped raining, people rushed to get their meals on sticks.

More than just a celebration of Greek food 〞 these days you can easily find Cuban, Indian or Thai goodies〞 it is also an entertainment event, with singers, dancers and even yoga classes all over the place. Visitors enjoyed kebabs, skewers, souvlaki, sosaties, satays or brochettes; played on the volleyball fields or took pictures of their painted-face kids.

The Taste of Danforth started in 1994, with 5,000 visitors and 23 restaurants. By the third year the city started closing Danforth Avenue and the number of visitors grew to 500,000. Today, over 1 million people attend the annual event, coming from as far away as Quebec or the USA. It*s mostly about the food〞 but the atmosphere and the entertainment are important part of Toronto*s Greek town experience.

The Taste of the Danforth runs every second weekend of August for three days. So, if you missed it this time, just be patient and wait for next year. In the meantime it may be a good idea to start saving some space for all the food you can get at Toronto*s Greektown.

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