TheCongo2:
Does any one has any idea on how to find and buy a foreclosed home?
I know that is the cheapest way to buy a house. So, how to find one?

maternal
salford
SlowlybtSurely
CoCoLav

Good question...In Calgary, some people having been walking away from their mortgage payment and dropping off the keys at the bank. There is a law in Alberta that does not allow the banks to go after their other assets. Not sure if the law is still in effect.

My amiable seniors in the house, can each of you share your experiences upon landing at the airport in Canada.

Did u ve to go through the regular immigration queues or there were special queues for new immigrants?

What questions were u asked.?

Did they ask for POF? Hw did u show/prove it?

Did u have to carry physical cash?

Did u have to land in the chosen province?

Am sure a lot of us will benefit from ur experiences. Thanks

maternal:


I can't think of any jurisdiction in the world where one works there but isn't required to pay taxes. Moreover, you'll be using Ontario's infrastructure to and from work, so why wouldn't you have to pay the province of Ontario taxes ? Lastly people lie. Nobody really knows the case between that person you read about and the CRA (Canadian revenue agency). He must have had a nice lawyer or got tax credit through some sort of business. But if CRA caught him living in Quebec but working in Ontario, he's paying those taxes period. Well all have to deal with rent/mortgage, child care,etc but we're not breaking the law. If you've gotten your PR, remember any illegal activity can get you deported. Is it worth it just to save some money ? Lastly, despite what people think on here, the cost of living isn't really that much cheaper in Quebec.

No need then. It doesn't make financial sense in the end.

WellEndowed:


I have a brother who drives like a Nigerian in Nigeria but drives like a decent man in obodo oyibo. I don't know how he does it though . He's never lost points.

I don't drive in Nigeria....Oh well not entirely true, I started again last year from point A to Point B which was about 0.3metres . I swear obodo oyibo road tamed me

A case of "When you are in Rome. . ."

deesmom:



Please check York university. They have an accelerated program. I intend to go through this route too, however I will wait till I get PPR before I commence preparation. This is to enable me apply as a PR . Target is February 2018.

Thanks alot. Already checked them out. The criteria no be here. Heard it's becoming way too competitive to get into. Requiring high GPA + some course prerequisites. Will apply to about 3 and hope to get into one.

Ofcourse, I'm applying as a PR. This is just the planning phase.

CoCoLav:


Depends on your location, they usually approve join requests based on location.

Ottawa for instance has more than 10 groups. Schools also have their groups. There are also groups for specific categories like baby things, clothes etc. Some groups like Buy, Sell, Trade or Free Ottawa, Ottawa Black Market, Ottawa Student Market, Snowpie.ca Black market. Some of the things are even free. For instance, this was posted as free today, first come, first served.

Other cities have similar groups, try to search Facebook and send a join request.

Thanks. Will sure be checking them out.

TheCongo2:
Does any one has any idea on how to find and buy a foreclosed home?
I know that is the cheapest way to buy a house. So, how to find one?

maternal
salford
SlowlybtSurely
CoCoLav

No idea whatsoever. I'm still outside of Canada.

perks:
My amiable seniors in the house, can each of you share your experiences upon landing at the airport in Canada.

Did u ve to go through the regular immigration queues or there were special queues for new immigrants?

What questions were u asked.?

Did they ask for POF? Hw did u show/prove it?

Did u have to carry physical cash?

Did u have to land in the chosen province?

Am sure a lot of us will benefit from ur experiences. Thanks

I think many of them landed as students.

SlowlybtSurely:


No need then. It doesn't make financial sense in the end.

So, Ottawa it is...

salford:

Good question...In Calgary, some people having been walking away from their mortgage payment and dropping off the keys at the bank. Their is a law in Alberta that does not allow the banks to go after their other assets. Not sure if the law is still in effect.

One time I asked one of my bankers how to find a foreclosed home, he had no idea neither.
His advise was to check with real estates companies.

perks:
My amiable seniors in the house, can each of you share your experiences upon landing at the airport in Canada.

Did u ve to go through the regular immigration queues or there were special queues for new immigrants?

What questions were u asked.?

Did they ask for POF? Hw did u show/prove it?

Did u have to carry physical cash?

Did u have to land in the chosen province?

Am sure a lot of us will benefit from ur experiences. Thanks

I landed in YYC(Calgary), after declaring my Nigerian food stuffs, I was shown the way to the new immigrants registration room.

However, you would be on the regular immigration queue till you get to an official who redirects you, after seeing your visa.

No questions were asked, the official just told me to sign, and welcome to Canada, I should update my address and PR card Would be sent there.

No questions on POF, and I carried physical cash.

I then moved to another room to declare goods to follow (can't remember the name again)

Calgary was where I intended to land, but you can change your POE as long as it is not Quebec

TheCongo2:
Does any one has any idea on how to find and buy a foreclosed home?
I know that is the cheapest way to buy a house. So, how to find one?

maternal
salford
SlowlybtSurely
CoCoLav

Your realtor would have that info. A foreclosed house would go for less, as the banks wants to get rid of it right away. So I know where you're going here. But remember, you usually have investors with deep pockets who usually buy these houses, fix them up, and re-sell or rent them out. So if you think you'll get a nice house for dirt cheap think again. You'll have competition without a doubt.

SlowlybtSurely:


A case of "When you are in Rome. . ."

Na so

maternal:


The province of Quebec has a level of autonomy regarding their immigration system. They're paranoid to lose their french language/ID so the province at times is not welcoming to people who don't attempt to assimilate to their language/culture. Montreal is obviously different, but try going to Quebec city. I also think to immigrate there as a PNP, you need to speak french. I could be wrong. But at the end of the day, people go where the jobs are. Toronto and the west coast, mainly Alberta, is where good paying jobs are.

Lastly, such insurance quotes are usually for people who live in Toronto. Insurance in Ottawa and other city's are not that high. In Toronto a lot of south east Asians commit accident fraud which costs the insurance industry millions per year, while Nigeria just steal the cars outright and send them to naija. These cost the industry hundreds of millions per year, and they're not in the business to lose money. So it's passed on to the consumers. These are the type of insurance fraud that happens literally everyday on Toronto streets. Why won't premiums be high ?




https://www.youtube.com/watch?v=xZJjDLnZ5ZA


https://www.youtube.com/watch?v=PXuEcfLl698

Oh Ok. So people really do commit accident fraud? why is Montreal different from Quebec? It is also French speaking? or they are just not as paranoid as Quebec?

WellEndowed:


Oh Ok. So people really do commit accident fraud? why is Montreal different from Quebec? It is also French speaking? or they are just not as paranoid as Quebec?

Montreal is the biggest city in Quebec and the second biggest city in Canada after Toronto.
Montreal is much more multicultural than the rest of Quebec.
You will find people from almost every corners of the planet in Montreal whereas the rest of Quebec is mostly White (French-Canadian)
There is a huge English Speaking community in MOntreal.
Some English speaking people in Montreal can't speak French at all.

Bear in mind that Quebec has a French language police for businesses.
If you run a business in Quebec and don't label any of your products in French, you will get in trouble with the province’s language police that will result in a fine.
Quebec’s Charter of the French Language requires that public signs, posters and commercial advertising be in French. If another language is used, French must be “markedly predominant.”

TheCongo2:


Any new immigrant who walks into a RBC branch will automatically be given a credit card with at least $1000 regardless of job status and there is no credit check. The person has to be in Canada for less than 2 years.
RBC also have program to help new immigrant purchase their first home in Canada with no credit check.

i even got mine with $2000 credit limit, Awon onigbese pipu

TheCongo2:



Montreal is the biggest city in Quebec and the second biggest city in Canada after Toronto.
Montreal is much more multicultural than the rest of Quebec.
You will find people from almost every corners of the planet in Montreal whereas the rest of Quebec is mostly White (French-Canadian)
There is a huge English Speaking community in MOntreal.
Some English speaking people in Montreal can't speak French at all.

Bear in mind that Quebec has a French language police for businesses.
If you run a business in Quebec and don't label any of your products in French, you will get in trouble with the province’s language police that will result in a fine.
Quebec’s Charter of the French Language requires that public signs, posters and commercial advertising be in French. If another language is used, French must be “markedly predominant.”

Thanks TheCongo. Ooops sorry I meant is Montreal different from Quebec city in terms of more job options for non French speaking people?

I hear Montreal is more cosmopolitan. How true is that?

WellEndowed:


Thanks TheCongo. Ooops sorry I meant is Montreal different from Quebec city in terms of more job options for non French speaking people?

I hear Montreal is more cosmopolitan. How true is that?

I am not familiar with Quebec City, sorry about that.
Yes, Montreal is more cosmopolitan given that you will find almost all nationality there. It is the second biggest city in Canada.

debbiejosh:


I landed in YYC(Calgary), after declaring my Nigerian food stuffs, I was shown the way to the new immigrants registration room.

However, you would be on the regular immigration queue till you get to an official who redirects you, after seeing your visa.

No questions were asked, the official just told me to sign, and welcome to Canada, I should update my address and PR card Would be sent there.

No questions on POF, and I carried physical cash.

I then moved to another room to declare goods to follow (can't remember the name again)

Calgary was where I intended to land, but you can change your POE as long as it is not Quebec

Thanks for sharing. Please can you elucidate on the bolded part.

CoCoLav:


Depends on your location, they usually approve join requests based on location.

Ottawa for instance has more than 10 groups. Schools also have their groups. There are also groups for specific categories like baby things, clothes etc. Some groups like Buy, Sell, Trade or Free Ottawa, Ottawa Black Market, Ottawa Student Market, Snowpie.ca Black market. Some of the things are even free. For instance, this was posted as free today, first come, first served.

Other cities have similar groups, try to search Facebook and send a join request.

I just stumbled on this thread, a very good place for furniture is kijiji.ca, you can go to the free section and look for items you like,many times the cost will be you picking up and transporting the item back to your home

40manlappy:


Thanks for sharing. Please can you elucidate on the bolded part.

I am sure she meant that it is not mandatory that you land in the poe you filled out in your application form. You can fill out vancouver but land in toronto. Only place you cant land is anywhere in the province of Quebec.

mosquitoway:


I just stumbled on this thread, a very good place for furniture is kijiji.ca, you can go to the free section and look for items you like,many times the cost will be you picking up and transporting the item back to your home

We already talked about kijiji for free furnitures/beddings. One runs the risk of bringing home bugs from free stuffs obtained from kijiji or any other immigrant NGO where furnitures/beddings are given for free. It's a hit-or-miss situation and people miss alot.lol

Hello and greetings to every one. What kind of affordable house rental is suitable for a new immigrant family of four in GTA, Ontario. Does house rent include utilities (water, electricity, heater etc).

sollyjo:
Hello and greetings to every one. What kind of affordable house rental is suitable for a new immigrant family of four in GTA, Ontario. Does house rent include utilities (water, electricity, heater etc).

Some do and some don't.

salford:

I am sure she meant that it is not mandatory that you land in the poe you filled out in your application form. You can fill out vancouver but land in toronto. Only place you cant land is anywhere in the province of Quebec.

Kindly indulge me a little, why is that @bolded?

40manlappy:


Kindly indulge me a little, why is that @bolded?

I believe it's because Quebec runs its own skilled migration program separate from the federal EE program. Dats my thought though subject to Wat my seniors here think.

40manlappy:


Thanks for sharing. Please can you elucidate on the bolded part.

The express entry that you applied through excludes Quebec from the FSWP.

It states it expressly that if the interest is Quebec, go through their route.

I really don't know why, but you would also be told the same by ICRC.


Your COPR goes a long way, and since Quebec is out of the arrangement, why should they be the one to stamp you in, moreover they Only have the capacity to receive new Immigrants on their program.

Subsequently, after being a PR, I have landed in Quebec.

Thank you @debbiejosh, perks

maternal:



I can’t answer everything, just the things I’m sure about, as it’s been a while.

# Was first in Ontario now Alberta. With Alberta having oil I found there were more jobs, and Alberta has one of the lowest taxes in the country. Sales tax is only 5 percent.

# Live in a middle-class neighborhood. I have no complaints. Choosing a neighborhood depends on you personally, nobody can answer that. Mortgage plans depends on your credit score, the down payment you’ve made, etc. Again this is something personal that nobody can answer.

#It’s not hard to settle in a civilized/developed country. All schools are decent really.

#You can combine work and taking care of the kids, but it’ll be hard and you may not see the kids as much. Welcome to North America.

# Other than the cold which you’ll become climatize, there’s no real culture shock. Everyone from around the world lives here, and western culture is popular and not as foreign as other cultures. Plus you have enough Nigerians here to feel comfortable if you start feeling homesick.

# Just buy warm clothes. As for the cold weather, you have heaters literally everywhere you go. Plus we get a good 6 months of warm weather, so it’s not cold 12 months out of the year like stereotyped.

# A naija dish can go for 10-12 dollars a plate. Jelloff, stew, goat meat, and a can of coke for example.

#You can start any business you want as long as you follow rules/regulations

# How much someone can survive on depends on that family. Again, this is a personal question.

Calgary is a good, clean, and progressive city. I find Alberta to be more progressive than other provinces. Choosing Calgary was a wise choice in my opinion. What made you pick Calgary ? Welcome to Calgary.


https://www.youtube.com/watch?v=wpnO1HOmtfE


https://www.youtube.com/watch?v=U9Fhp-XJ6xo&t=9s

hello, please reply your mail

mzhorlah:
hello, please reply your mail

Ask me what you need to ask me here

maternal:


Ask me what you need to ask me here

lol... Seems like my brother is not interested in making money on the side as most of those agents do on Nairaland ... lol.

Hello All,

Please I read some provinces take up to 3 months to issue health card, is this correct? which provinces take a shorter time & how long?

Also does the health card cover a new PR expecting a baby, if not what's the estimated out of pocket costs

Thanks

maternal:


I can't think of any jurisdiction in the world where one works there but isn't required to pay taxes. Moreover, you'll be using Ontario's infrastructure to and from work, so why wouldn't you have to pay the province of Ontario taxes ? Lastly people lie. Nobody really knows the case between that person you read about and the CRA (Canadian revenue agency). He must have had a nice lawyer or got tax credit through some sort of business. But if CRA caught him living in Quebec but working in Ontario, he's paying those taxes period. Well all have to deal with rent/mortgage, child care,etc but we're not breaking the law. If you've gotten your PR, remember any illegal activity can get you deported. Is it worth it just to save some money ? Lastly, despite what people think on here, the cost of living isn't really that much cheaper in Quebec.

For Canada, the statement in bold is not correct. In Canada, you pay both federal and provincial income taxes. The federal tax rate does not depend on which province you live but the provincial part of the tax depends on the province in which you are living in on December 31st of the tax year irrespective of the province you work in even if you lived in that province only on the last day of the year (i.e December 31). However, you must be able to show/proof that you live in the province you claim to live in on December 31 of the tax year. For example, if you lived in Ontario from January 1 to December 30 and them moved to Quebec on December 31 you will file your income tax for that year with Revenue Quebec irrespective of the province where you were working for the whole year. The same way, if you lived in Quebec from January 1 to December 30 and moved to Ontario on December 31, you will file your income tax for that year with Revenue Canada irrespective of the province where you were working in that year.

Granted that the provincial income tax that your employer deducts from each of your pay cheque is initially calculated by your employer based on the tax rate for the province where you work but when you file your income tax between January and April of the following year, you have to file it with the province you lived in on the last day of the tax year (December 31) and the tax you will have to pay eventually will be the tax rate for the province you lived in on the last day of the tax year and not that of the province you worked in.