czaratwork:
so sorry. i posted the information here on monday but it was deleted and i was also suspended for 2 days. please if you need info on how to convert your ACCA to CPA please let me have your pm and in my response i will send it to you. the process is long so please start now.

Hello,

Please accept my PM request.

(FOR IT SECURITY PEOPLE)

incase you are in Toronto on 12th and 13th September and want to attend a summit organised by information security media group. please pm me. they extended a complimentary invite to me but i wont be in canada then. topics to be covered are : state of payment security, ransomware, insider threat, cyberinsurance, blockchain and cybersecurity, business email compromise, identity management, deception technology, incident response and working with law enforcement, cybercrime trends and creating a data security action plan.

its also an opportunity to network with those in IT SECURITY field. it will hold in delta hotel toronto.

I HOPE THEY WONT BAN ME AGAIN O. PLEASE THIS IS NO ADVERT. IT IS IMMIGRANTS HELPING THEMSELVES.

mail forwarded to interested parties as recieved from CGA-BC. i have also forwarded information security summit group seminar invite mail as well.

thank you

salford1:

i was one of the early casualty..i got the pink slip in late 2015 . The price is still hovering around 45 to 50 per barrel. No one really knows when it would actually rebound..just analysis upon analysis...You are lucky to have survived the bloodbath. i hope you get into gov asap. Pay might not be as much as the oil sector, but still the most secured out there. A dude at my work place was offered a role with a consultancy with the potential of earning double of what he currently earns just after he graduated from school. He declined it for the less wage but more secured job. Aslong as the earning is sufficient, one is good to go. No need to form big boy or girl here...no one really cares except in alot of Nigerian gatherings sha...lol

Exactly. Stability is priceless especially when you have a mortgage and family. The state of the economy doesn't affect my job, I'll get a nice pay cheque every 2 weeks, and I have a nice golden/inflation protected pension waiting for me. Just priceless. I didn't even know or care to check the price of oil lol. 50 isn't too bad.

toyogirl:
Okay, so if one gets a place where the tenant pays utilities, how does the 'OFF-PEAK' play out regarding hydro bills?

I also gathered that when you leave some gadgets/appliances plugged in, they use up power even when not in use...same for opening refrigeratorso too often.

Now, for the appliances that come with most rented apartments/houses, what's their usual energy ratings?

Please our canny seniors, @vcole et Al, set us on the right path ....you know the way it is here, we can open fridge/freezer for Africa and our pockets won't feel it.

Off peak is usually in the summer time for hydro bills. The winter time is peak as the heater is usually running a lot. But whatever the bill is, you must pay. Its that simple. Yes appliances use electricity but no sane person unplugs their fridge when they leave the house. The power they'd take is not that much. Recent appliances nowadays are energy efficient. If an appliance has a "E" status, then its energy efficient.

Thanks!

maternal:


Off peak is usually in the summer time for hydro bills. The winter time is peak as the heater is usually running a lot. But whatever the bill is, you must pay. Its that simple. Yes appliances use electricity but no sane person unplugs their fridge when they leave the house. The power they'd take is not that much. Recent appliances nowadays are energy efficient. If an appliance has a "E" status, then its energy efficient.

.

vcole:
@dupyshoo, how market? They run credit checks oh. As a new immigrant in Canada, you can get a credit card approval on arrival under the newcomers plan which most banks have as they start you off at a credit rating of 700. So it's left to you to maintain good credit or not.
Now, when you wanna purchase a property, you go to a developer or realtor, etc. They tell you the property is going for xyz amount, they will also tell you what their minimum down payment is for example 10%. Then they also require you to obtain a mortgage approval from your preferred lender. Your mortgage lender could be a bank or some other institution.
The requirements for a mortgage approval differ from lender to lender. However there are certain guidelines/rules that do apply to all mortgage lenders.
As regards the interest rates, you can opt for a fixed term rate or a variable rate, all up to you.

The instances where Mr. John Bull chooses to go and find a mortgage lender to approve him for an amount that his current income would in other circumstances not qualify him for, are the exceptions and not the norm.

You cant fix it for long before the next renewal or something like that ...most bank would offer fixed for 5 years, some could give 10 years but at an high rate, sometimes close to 6%.
The exceptions are also quite common nowadays...Due to a lot of mortgage advisors beating the safety net put in place, the interest rate hike recently by the bank of Canada affected a lot of households. Some started defaulting cos they really never could afford the mortgage they signed on for.

Ehrnie:
Interesting conversations going on here - every day's indeed a school day. Thanks y'all

@salford, @ maternal - I envisage you both are engineers and have worked in the "oil patch in Alberta". As an engineer in the same discipline, is there any advise you can share regarding certification/licensing...etc. that will be useful in securing a job in Canada? Other engineers that are silent followers can kindly contribute....

dupyshoo has been very helpful in advising on getting the EIT status via APEGA, but apart from this is there any other thing I can set in motion now before relocating to CAN?

Your help is much appreciated. Many thanks.

Never worked in the patch even when Alberta was on full steam. I worked office roles(design) in Red deer/Calgary.
When all was good in alberta, you could get your advanced class 5 drivers license, safety certifications from enform in calgary or ndt/power/process operator classes at sait or nait, and that would keep some change in your pocket. You could still research those options as you never can tell. You might still be able to break it in with some certifications.

As per licensing...i gave some info on my earlier post. Much also depends on your discipline. Civil guys without their license are still doing alright if you can break into material testing(not met/mat)...still lots of road maintenance going on with lots of OT.

maternal:


Well said. I can speak on this personally. Working in the oil-patch in northern Alberta, back then the oil companies would give people 40k to put a down payment on a house if they lived in town. On top of that, they'd give employees an extra 1,500 per month on top their salaries to help pay for their mortgage every month. Keep in mind back then to get a good house, you'd have to spend close to 1 million dollars. I refused to take such a deal, as I know oil like any commodity, is shaky at best. I said I'd buy a house in either Edmonton or Calgary, where a million dollar house in northern Alberta is worth 400k in those cities. So even if I lose my job, the economies in those two cities are more diverse, that I know I could get a job rather quickly. And my monthly payments are much lower, that even a "survival job" would allow me to pay my bills. But the Nigerians at work wouldn't listen to my advice. They were so eager to get into these new houses, form big boy, and claimed you could never lose appreciation after buying a house.

Well after oil being at 90-100 USD per barrel, it went down to as low as 28 USD by 2016. Massive lay offs occurred. And you guessed it, those cocky fellow Nigerians lost their jobs or salary drastically reduced. The 1500 per month perk was taken away, etc. People literally had to choose between paying their mortgage or buying food/everyday needs. Peoples houses got foreclosed, their houses taken away by the bank, etc. Those 1 million dollar houses were now worth 400-500k at best. At one street I remember seeing 10 houses side by side all for sale "by bank". Those peoples credit is now messed up. I was fortunate enough not to lose my job, and I will be transitioning into the federal government. So I'm official stable (or will be) stable. Everyone will have their strategy and take more risk than others. But you simply cannot walk or run before you crawl. I'd personally get a solid foundation before buying the most expensive thing you'll ever buy in your life. But don't be fooled, a house can definitely depreciate. Though its most likely to appreciate.


http://business.financialpost.com/personal-finance/mortgages-real-estate/if-you-thought-your-housing-market-was-bad-check-out-fort-mcmurray-the-heart-of-canadas-struggling-oilsands/wcm/c2ae649c-6400-4459-8269-66ac657cef1f

The bottom line is that I am not advising people to buy mansions that cost 1 or 10 Millions dollars.
People should pick up something reasonable within their means not to give them headaches later on.
Here in London, there are 2 bedrooms apartments that would cost around $1000 in monthly mortgage.
And to rent a 2 bedrooms apartments would cost almost the same amount.
Why not buying such apartments instead of paying rent on them?
At least later on if you decide to buy a bigger house, you can sell the apartment and use the funds as down payment on the bigger house.

That time of the day again. Lunch at a family owned restaurant in Earl Grey. Earl Gray is a village of just over 200 people in Sask.

Nothing much going on in this village. This is the main street.pic 1 is the main street, almost dead.

pic 2 is the road leading to the village. Untarred gravel road.

Pic 1. A small house on an acreage.

Pic 2. A large proportion of southern sask is farm land, there are some oil fields scattered around too.

I missed a mansion located on an acreage...The house is huge with a garden and a golf course. Its just behind the trees but i missed it from the front.
It even has a mini fountain and all fenced.

Regina.

Hi

I'm so sorry about the ban, I have sent you a PM, pls accept it.

Thanks alot

czaratwork:
so sorry. i posted the information here on monday but it was deleted and i was also suspended for 2 days. please if you need info on how to convert your ACCA to CPA please let me have your pm and in my response i will send it to you. the process is long so please start now.

salford1:
Regina.

I sent u a pm sir

Which field is now the best for those of us that read Economics and are qualified Accountants (ICAN)

honey86:

Human Resources is not a good field in Canada at the moment. Atleast not in Manitoba.

salford1:
Pic 1. A small house on an acreage.
Pic 2. A curvy road somewhere in southern sask on the way to Regina.
Pic 3. A large proportion of southern sask is farm land, there are some oil fields scattered around too.

o boy u are tempting me to migrate ......no okadas no area boy clean air.....

salford1:
Regina.

o boy the orderliness is tempting we are inhaling smoke and chaotic environment in nigeria.....with my Nigerian MBA and work experience in oil and Gas logistic as an operation Manager will i fit in easily and get similar roles easily i got admission to study international business in new Brunswick college post graduate cert i can finance the study ......i get confused cos of write up of Canadian experience and education is needed to get jobs currently earn around 450 k monthly but this country najia is a mess 1.2 m kid writing jamb want a better future for my kids and i doubt if najia can give them the platform to excel

Alikote:
o boy the orderliness is tempting we are inhaling smoke and chaotic environment in nigeria.....with my Nigerian MBA and work experience in oil and Gas logistic as an operation Manager will i fit in easily and get similar roles easily i got admission to study international business in new Brunswick college post graduate cert i can finance the study ......i get confused cos of write up of Canadian experience and education is needed to get jobs currently earn around 450 k monthly but this country najia is a mess 1.2 m kid writing jamb want a better future for my kids and i doubt if najia can give them the platform to excel

i think there is always a demand for transport and logistic professionals. There is a lot of freight(truck and train) activity in Canada. I dont know much about that sector in terms of evaluation of previous qualifications. You dont need canadian edu or experience to get jobs, having them only makes your job search easier. Just make the move if you can, have strong drive and determination, and be optimistic that things would suceed here.

Ekpekus:

Yeah.. you are right. Alternatively, some IMGs go to UK or US for residency and come back here to start practicing.
My belief is this: As far as people get matched via CRAMS, then we fight for our place.. we have put our hands in the plough and no looking back.
Make we relate for one corner @vcole

Very truee @bolded....
Thanks for your contributions vcole,ekpekus,sweetrie........
we shall all get there....
and a support group wouldnt be a bad idea though

sweetrie:
Thank you very much. We will consider other career options. I am aware in Ontario you have to do one year unpaid internship before residency, I was wondering if that applies to all the provinces. God bless you. Will continue researching.

I'm following ur posts bumper to bumper. I'm a Dr and the tots en.. Hmmmm

toyogirl:
Okay, so if one gets a place where the tenant pays utilities, how does the 'OFF-PEAK' play out regarding hydro bills?

I also gathered that when you leave some gadgets/appliances plugged in, they use up power even when not in use...same for opening refrigeratorso too often.

Now, for the appliances that come with most rented apartments/houses, what's their usual energy ratings?

Please our canny seniors, @vcole et Al, set us on the right path ....you know the way it is here, we can open fridge/freezer for Africa and our pockets won't feel it.

my son opens d fridge like it's a career... Opening fridge has charges? I can't even begin to laugh

Ekpekus:

Yeah.. you are right. Alternatively, some IMGs go to UK or US for residency and come back here to start practicing.
My belief is this: As far as people get matched via CRAMS, then we fight for our place.. we have put our hands in the plough and no looking back.
Make we relate for one corner @vcole

So somewhere else for residency and come back will b an great option for one who is single.
But if u r arrived with kids
. How u wan leave ur husband and kids?

ugoiyke79e:



Very truee @bolded....
Thanks for your contributions vcole,ekpekus,sweetrie........
we shall all get there....
and a support group wouldnt be a bad idea though

I completely agree

Loool! That makes 2 of us @ your son...now, one has to learn special skills to explain the implication to then nicely... ...

on a lighter note, have you ever thought of brushing up on skills to deal with kids esp boys without yelling sometimes? Remember you can't even try to use any form of cane there ooo and boys can try someone ehn! ...I have all boys!

Hephgirl:
my son opens d fridge like it's a career... Opening fridge has charges? I can't even begin to laugh

hotD:
I really would love to find out,for those of us in the financial sector what courses or preparation do we need to do to get a good job in canada.

Thank u

Financial sector in Canada is big, in what area are you interested in?

czaratwork:
please when are you landing? your number 1 question is of interest to me because though i am an accountant, i want into IT

There is a lot of opportunities in accounting in Canada too.

seunfoster:
Which field is now the best for those of us that read Economics and are qualified Accountants (ICAN)

You can transfer you ICAN credit to CPA and complete the remaining courses to become a certified accountant. Do you have accounting experience?.

czaratwork:
mail forwarded to interested parties as recieved from CGA-BC. i have also forwarded information security summit group seminar invite mail as well.

thank you

Plz I just sent u a pm. I need info on the ACCA -CPA route. Though I am an ACA but I observed dt I can does not have any MRA etc with them. I don't mind going d ACCA route. I am also considering rewriting CISA.

ugoiyke79e:



Very truee @bolded....
Thanks for your contributions vcole,ekpekus,sweetrie........
we shall all get there....
and a support group wouldnt be a bad idea though

There are a lot of support group for IMGs depends on the city/province you reside. In Alberta, we have AIMGA.
Also you can also see folks online..
Pls check this website RXPGonline dot com