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Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant / Living In Australia/life As An Australian Immigrant (2) (3) (4)
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Re: Living In Canada/Life As A Canadian Immigrant by Lalaska(m): 5:01pm On Aug 29, 2018 |
Forget naija customs o. Avoid those ones. In case of next time it's actually 10k in the currency of the country you are entering except otherwise indicated. hotD: 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by hayor2014(m): 5:02pm On Aug 29, 2018 |
@hotD can you please tell the kind of phone Networks that are available( in Ontario ) , the internet rates/ call rates ....I remember you saying one network was too expensive |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 5:35pm On Aug 29, 2018 |
hayor2014: They have several like rogers,bell,freedom,koodo,telaus or so but the major ones are the rogers and bell.We tried getting the rogers and they requested for credit card,credit history and a canadian photo ID which we did not have,same requirements for bell so we had to pass. On getting to walmart we saw they sell phones with a network provider so we asked d lady and she said as new immigrants without any form of ID we cld sign up for koodo or freedom,i actually needed to get a small phone where i can put my naija line before mtn gives another person after six months den they start using d number to withdraw my money using those short codes. So i picked a small phone and did a monthly plan of $55 which includes 2gig of data,unlimited calls within canada and was it $4 per minute in international call(not too sure).Trouble started when the 2 gig finished within 3days,to buy 1gig it cost $20,i changed plan to $65 per month for 6gig after 4days e finish very different from naija. Hubby is starting work with a telecom so definitely we wld switch to their plan.but once u can get unlimited internet at home,ure phone usage reduces very well and d quote we got was for $85 by rogers.experiences might differ. 21 Likes 6 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 6:43pm On Aug 29, 2018 |
anaxagoras: Read up on enterprise car rental,we had serious difficulty in renting a car infact it was not possible because of our nigeria liscense and no credit card.if u have a credit card they might consider.U-haul accepts our naija passport + the international drivers permit then u have to pay for insurance which is quite costly but u-haul is a truck company. 3 Likes 1 Share |
Re: Living In Canada/Life As A Canadian Immigrant by SOTAJ: 9:03pm On Aug 29, 2018 |
Newmum0615: |
Re: Living In Canada/Life As A Canadian Immigrant by Jaycrakk: 9:25pm On Aug 29, 2018 |
Lalaska: Thanks again, I appreciate |
Re: Living In Canada/Life As A Canadian Immigrant by Hereforthistoo: 9:27pm On Aug 29, 2018 |
Hi, would a credit report from Nigeria be entertained for the purpose of getting teleco, housing, car, insurance etc services? I know we have both local and international credit bureaus/companies in Nigeria that could verify one’s credit score such that they are globally recognized. Has anyone actively pursued this to that length? Cc @hotD @Blackbuddy @Salford1 @thecongo2 @Ballerz @vcole @maternal @fusion23 |
Re: Living In Canada/Life As A Canadian Immigrant by jhoci: 9:44pm On Aug 29, 2018 |
Fidelity bank charged me N3,150 for my card! hotD: |
Re: Living In Canada/Life As A Canadian Immigrant by TheCongo2: 9:56pm On Aug 29, 2018 |
Hereforthistoo: No. We don't even know or consider credit report from the US ... If you have good or bad credit in the US and then move to Canada, you will start life afresh. No one will inquire about your credit in the US. Same as if you move from Canada to the US The funny part is that both US and Canada use Equifax for consumers credit record So, to answer your question, your credit report in Nigeria won't help you in Canada 7 Likes 1 Share |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 10:27pm On Aug 29, 2018 |
Hereforthistoo: We were not given that option at any point,most agent even specify the organization they want your credit report from,i see equifax,credit union and is it narboly report or so and the way this guys are they would not respect anything from Nigeria honestly,i feel more secured holding my naija passport in the US than this place,waiting patiently for PR cards so i can hide the naija passport for only when we are going home(dats d only thing it is very good for honestly). I have registered with credit union thou so i am watching my credit report. 8 Likes 4 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by CPEThorpe(m): 10:54pm On Aug 29, 2018 |
hotD:Hello please does your hubby have Canadian experience and which province did he get the telecom work. I am asking coz I will also like to work with a telco when I land! |
Re: Living In Canada/Life As A Canadian Immigrant by Hereforthistoo: 11:05pm On Aug 29, 2018 |
Thanks for this response. Was actually thinking the credit system would work in the same way criminal and other global checks are conducted - checking with other national partners to foresee any risk. Generally speaking, I’ll be surprised if there’s no existing program in place to bridge this gap. Thanks again. TheCongo2: |
Re: Living In Canada/Life As A Canadian Immigrant by Hereforthistoo: 11:08pm On Aug 29, 2018 |
Thanks. Guess they can’t be blamed for been skeptical... because - Nigeria. Godspeed in getting the PR card. hotD: |
Re: Living In Canada/Life As A Canadian Immigrant by Asinkwa(f): 11:22pm On Aug 29, 2018 |
BHstripes, Bode Thomas, Surulere, Lagos. [My question is this: where in Lagos Nigeria can I get a professional photographer that will take a photo of me in the required specifications? (I will indeed appreciate input about tested and trusted photographers; have you used a photographer and was able to obtain a PR Card using the print out they made for you?) Thank you all. [/quote] 1 Like 1 Share |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 11:27pm On Aug 29, 2018 |
CPEThorpe: No canadian experience but his cv was screaming sales!!sales..he was in marketing in naija so he has work experience in sales/marketing.i think that helped,province is ontario..he had interview with rogers,bell,manulife and can’t remember the last so picked d telecom to add flavour to his CV. Hope this helps!!! 8 Likes 2 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Superb15: 11:56pm On Aug 29, 2018 |
hotD: I know this hotD. Congrats 1 Like |
Re: Living In Canada/Life As A Canadian Immigrant by Lhimeet(m): 12:48am On Aug 30, 2018 |
hotD:Canada oshodi.. Nice experience. I was just smiling all through. And opening my teeth 2 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by Zeiya(f): 5:00am On Aug 30, 2018 |
@hotD thanks for sharing your experiences so far. You have rekindled the fire on this thread .nice one 11 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by Blackbuddy: 5:39am On Aug 30, 2018 |
Hereforthistoo: Hi, yes people have presented credit reports from Nigeria and sadly, it is not respected. Your best bet is to get 2 Canadian credit cards and start building your credit history through promptly monthly payments. 1 Like 1 Share |
Re: Living In Canada/Life As A Canadian Immigrant by DatechMan(m): 5:42am On Aug 30, 2018 |
hotD:I can feel your pain. Well, your Naija passport is a generally accepted Photo ID anywhere in Canada. Until you have a driver's license or in some cases - health card, you can use it as an ID anywhere. Your PR card may not even serve that purpose. PR cards are not considered general purpose ID. You are not expected to carry it with you everywhere. Equifax is more reputable than Credit Union imho. You really don't need to monitor your report. Follow best practices and your rating should be good. You don't want to have too many credit checks. 3 Likes 3 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by voguemum: 6:22am On Aug 30, 2018 |
salford1: This is very helpful @Salford, I went through those links and its obvious one would need a lot of funds/capital to start up as there are alot of licence to be obtained to get started btw those food safety regulations and all. I'm stil doing research for the bridging programs I'll need to take before fitting into the system though from my finding there are more jobs in my field in Alberta and Ontario so focus will remain in those two provinces. As this thread as thought us that research and planning before embarking on this life changing journey is key. Thank you all for you contributions, quite mode reactivated. |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 7:53am On Aug 30, 2018 |
DatechMan: Hmm,naija passport has been rejected on 2 occasion now infact d last time hubby held his temporary drivers liscense and the passport and the lady still insisted she needed a canadian ID,do we go back to challenge her? Yea for the equifax i think it was asking me to pay and i wasn’t interested in that,i just needed something i could use to understand how the credit thing works and how to boost it. Can u tell us some of the best practices,some of us feel somehow about credit(borrowing)its been conscious effort to use the credit cards and honestly for now the only thing i pay for is my phone bill,do i try to look for more ways to use the cards by force to build the credit history because anytime i pay my phone bill i wld go and check if it the score has increased.Please help me understand better 6 Likes 4 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by salford1: 8:33am On Aug 30, 2018 |
hotD:Your phone bill payment won't appear on a credit report; however, if you dont make a bill payment for 2 consecutive month, it could be less or more, then they may report your missed payment. Your credit card balance or other credit facility balance (loans, car finance, line of credit e.t.c) and last date of payment would be reported or updated monthly or once in two months. The report would list all active and closed credit accounts. Your current address would also be reported by your credit card issuer or bank. Everytime you change address. It would be reported. The overall aim is to start building some sort of history on the report. Note that it may take up to two or three month for your new credit facility and address to appear on your report. Just use your card and pay up. You won't have any problem has long as you keep to your financial obligations. I check my report once in 3 months just to ensure that no one is using my indentity to obtain credit facilities. 13 Likes 13 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 8:51am On Aug 30, 2018 |
DatechMan:Hey bros, what do I really need to carry aboard as an IT individual? Landing in Ontario Province next year. Thanks. |
Re: Living In Canada/Life As A Canadian Immigrant by iaatmguy(m): 9:23am On Aug 30, 2018 |
salford1:very insightful and concise 8 Likes 2 Shares |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 9:34am On Aug 30, 2018 |
salford1: Oh wow,thanks so much for this,no wonder my score never change since... Then please i need serious clarity on this tax issue,all this money i wire directly from nigeria into my account,would they be taxed?Secondly,if i want to start a business like real estate and i wire some funds down,i mean some huge funds would the government also tax that one and if they want to,would a proof of funds from back home in nigeria work. Thank you for your time 2 Likes |
Re: Living In Canada/Life As A Canadian Immigrant by iaatmguy(m): 9:35am On Aug 30, 2018 |
Lots of iced cold feet in the house. If you didn't have swirling emotions that would make you inhuman. It's a total life changing decision saying goodbye to loved ones you may see for the last time to a new culture totally different from what you know. Of course you must feel some type of way. |
Re: Living In Canada/Life As A Canadian Immigrant by Jaycrakk: 10:18am On Aug 30, 2018 |
[quote author=Blackbuddy post=70665018] Dear Blackbuddy, I sent u a pm, kindly respond. Thanks |
Re: Living In Canada/Life As A Canadian Immigrant by Trikings2000: 11:31am On Aug 30, 2018 |
hotD: Thanks for the valuable information you have shared. Please permit some questions: 1. Please can you throw more light on the following "U can use the cash machine at the airport". I dont understand how that works. 2. Did u change your funds at the bank in Nigeria to canadian dollars or US dollars? How did you go about it? And in which currency type was ur act opened in canada? 3. I Seem to be drawn to TD bank based on the info presented. He does RBC compare to TD bank? What was the credit card limit provided for TD bank? 4. Is it required to declare funds at the airport in Nigeria? What was your experience like when you did at a certain time? |
Re: Living In Canada/Life As A Canadian Immigrant by Trikings2000: 11:42am On Aug 30, 2018 |
hotD: Please which network do you recommend for unlimited internet at home? What are the prices like? |
Re: Living In Canada/Life As A Canadian Immigrant by rainazoe: 12:31pm On Aug 30, 2018 |
Please is there any email or phone number to contact CIC about my PR card? I landed in May and responded to a passport resubmission request at the end of July. I believe I should have gotten it by now? |
Re: Living In Canada/Life As A Canadian Immigrant by Nobody: 1:32pm On Aug 30, 2018 |
Trikings2000: 1)I meant you can withdraw using your naija dollar card at the cash machine(ATM),u would be paid in canadian dollars 2)I bought US dollar from nigeria,you can negotiate with a BDC person,let him give you the dollar in cash because if he deposits it into your account if u want to withdraw in the bank you would be charged...U bring your dollar here and exchange it in the bank,TD bank exchanged for us at a gud rate,the account they opened was in canadian dollar so they just credited the account with the usd they exchanged for us. 3)I never went to RBC so i can’t tell.TD gave $1000 credit limit,scotia bank gave $2000 4)U declare if u carry more than $10,000,once declared but it didnt favour me in anyway but if u declare here d customs dont bother u...d problem is our naija customs(so sad). 8 Likes 1 Share |
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