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Opening a bank account and learning about banking in Canada are important things to do once you arrive in Canada. There are probably some differences in the way banking works in Canada compared to your home country – but don’t worry! To help get you started, we’ve put together some basic banking information. Opening a bank account: You’ll need two pieces of identification (ID). Acceptable forms of ID include a driver’s licence, a citizenship card, certification of naturalization, and permanent resident card.Bank account costs: Most of Canada’s banks offer free, no fee or minimal fee accounts to newcomers.Type of bank accounts: A chequing and a savings account are typically standard. A chequing account is where you can cash your paycheques, have money earned from your job deposited and write cheques to make payments for goods and services. Savings accounts are used for short- or long-term savings.Interest rates: Each bank sets their own interest rates. If you receive a loan, the interest rate on that loan will be determined by several risk factors decided by the bank.Credit: Obtaining a Canadian credit card is essential so you can begin to immediately establish a good credit history, which will help you with anything from getting a cell phone contract to leasing a car and buying a home at a lower interest rate. Many banks offer newcomers with no credit history select credit cards with no annual fee upon approval.Savings tools: In addition to a traditional savings account, Canadian banks offer different types of savings programs to help you save money. Some of those include:Registered Retirement Savings Plan (RRSP)Registered Education Savings Plan (RESP) The Canadian Bankers Association has a lot of good information on banking in Canada.There are five major banks in Canada: Royal Bank of Canada (RBC), Toronto Dominion (TD), Bank of Montreal (BMO), Scotiabank and Canadian Imperial Bank of Commerce (CIBC). To learn more about banking plans for newcomers, check out products at Canada's largest bank, Royal Bank of Canada.
About My Premier Locals
My Premier Locals is your exclusive guide to your City and your Neighbourhood.
You will find a wealth of information on Toronto's neighborhoods, including schools, parks, things to do in the area and much more...You will also have access to special discounts, deals and offers, on many of Toronto's best rated independent bars; restaurants; stores; service providers and much more...Feel free to use the Directory and Coupons while you are out and about looking for your dream home, or to help you to get to know your new neighbourhood.Enjoy!!!
Health Care in Canada
If you are a Canadian citizen or permanent resident, you may apply for public health insurance. With it, you don’t have to pay for most health-care services.The universal health-care system is paid for through taxes. When you use public health-care services, you must show your health insurance card to the hospital or medical clinic.Each province and territory has their own health insurance plan. Make sure you know what your plan covers.All provinces and territories will provide free emergency medical services, even if you don’t have a government health card. There may be restrictions depending on your immigration status.If you have an emergency, go to the nearest hospital. A walk-in clinic might charge fees if you don’t live in that province or territory.Waiting period to get public health insurance:In some provinces you must wait, sometimes up to three months, before you can get government health insurance. Contact the ministry of health in your province or territory to know how long you’ll need to wait. Make sure you have private health insurance to cover your health-care needs during this waiting period.Getting a health card:You need a health insurance card from the province or territory where you live to get health care in Canada. You must show this card each time you get medical services.
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Rules and FAQs
To add a job vacancy, go to Positions Available; click on the drop down menu in the top left corner of the screen and select Add Listing.
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What are the benefits of working with a realtor to find a rental?
The Canadian Mortgage and Housing Corp. recently reported a 3.4-per-cent vacancy rate for rental properties across the country. Meanwhile, in Toronto, prices increased 11.7 per cent in 2016, according to data collected by Urbanation.Clearly, rental properties are in high demand. And rentals are now receiving multiple offers, often going to the tenant who bids highest and for above the asking price.So there can be advantages to using a real-estate professional to find a rental. But not all brokers and salespeople handle rentals. As well, the representative would typically show you rentals that are listed on Realtor.ca; landlords are less likely to pay a commission if your agent approaches them through a listing on Kijiji or Craigslist — so you need to discuss and decide on how the real-estate rep would be paid.Also, you likely won’t find lower-priced rental options on Realtor.ca, so be sure that the available options fit your budget.With that in mind, there are still advantages to working with a real-estate professional. For starters, a renter who works with a registered real-estate professional is entitled to the same protections as a homebuyer or seller.Agents can offer a wealth of knowledge and experience from working in the real-estate sector. Real-estate professionals must also treat you and everyone you engage with in the course of a trade with fairness, honesty and integrity. And working with a rep to find a rental property is similar to working with one when you’re buying — a valuable experience if you plan to buy in the future.Before signing any agreement, be sure you and your sales representative have a clear written understanding about the services that will be provided and the amount of commission that is to be paid.Fully discuss what you’re looking for — would you prefer to live in a house or a condo? What is your monthly budget? Do you want a spacious kitchen? How many bedrooms do you need? Be thorough.Your agent can then provide specific details on homes located in and around your desired neighbourhood. This could include whether a rental is located in a family-friendly area, what the nearby amenities are, as well as a detailed history of past issues with the property. If a building has a history of mould, cockroaches or other maintenance issues, you’ll want to know about it. The representative will also arrange for you to see the units you may be interested in viewing.What’s more, working with a registered real-estate professional provides you with insurance that can protect your deposit for the rental.Working with a real-estate representative can help save time, but also eliminate the added stress that may be spent on combing through online listings, booking viewings and travelling to different locations.Joseph Richer is registrar of the Real Estate Council of Ontario (RECO). He oversees and enforces all rules governing real-estate professionals in Ontario.
What is Irish App-Roved all about?
Irish App-Roved is designed to be a one-stop-shop app for the Irish Community in Toronto...from new arrivals to established members of the community and business owners.By partnering with Irish owned businesses, we will help to get new arrivals all the help they need to get settled in Toronto. Whether it's Accommodation; Employment or Immigration Advice, we have a go-to person for you, who has been down your path, and knows how best to help.For business owners, we believe we have created a fantastic platform to let the community know where you are, and what you do. The app offers great visibility; is simple to navigate and information can easily be shared by users.We really want Irish App-Roved to be the central hub for our community. Obviously, a big part of that success will be the social scene. We will be hosting monthly events at some of the top Irish bars and locations across the city.We think that we have created a terrific platform, that can provide a real boost for the Irish Community in Toronto. However, we realize that we need your support. The more users and businesses we can get on board, the more vibrant our Community will become.Thanks for downloading, and please feel free to post any feedback or suggestions in our General Forum.
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