nova scotia relocation guide
DESCRIPTION
Nova Scotia the ultimate Relocation GuideTRANSCRIPT
RELOCATIONTHE
GuideNOVA SCOTIA
WEL
COM
E
Contents
Designed by: Tri Technology www.tritechnology.caInquiries to [email protected] part of this publication may be reproduced without the express writtenpermission of the owners.
WELCOMEf you’ve started reading this brochure the chances are that you are considering moving to Nova Scotia,
or are in the process of moving. For those who are not here yet, the question is, will it be worth it? Resoundingly, for the vast majority of newcomers the answer is YES. Canadians work hard and play hard, are very open to newcomers and will treat you as you treat them. If there is one truism it’s that, what you give, you will get back in return.
For the vast majority of families looking to move to the Province, the attraction is the people, the lifestyle and increasingly, the opportunities that Halifax presents and will continue to on an increasing basis with large capital projects including the Irving Shipbuilding contract.
Your journey to Nova Scotia will of course have its ups and downs along the way; everyone’s move is unique and this brochure is designed to give you, in this age of Facebook and Google, practical information and advice that is not always easy to find on the internet. It’s often the small things that make a difference: Can I bring my TV and will it work in Canada? Do I have to take a driving test? Will my Claims free driving record be recognized in Nova Scotia?
There are factors that will lead to successful relocation; visas, finances and employment usually being the most important. These factors will affect everything from where you live through to education, healthcare and which car you buy. Planning and decision making from an informed perspective is therefore crucial, and we’re here to help.
From Real Estate and Rentals to Banking and Mobile (Cell) phones, we can help with all aspects of your relocation, and what’s more, our service is completely free to you.
UK 2 Nova Scotia have helped hundreds of families achieve their dream to settle successfully in Nova Scotia. We hope you enjoy the information provided here and look forward to working with you. Remember, we’re never more than an email or phone call away.
I
Mike and Orla Wilson 001 902 860 [email protected]
Our publication is crammed full of useful information for you.Here’s some of our top features:
EMIGRATION PAGE 8Refer to our easy to use checklist toensure you have covered everything
COMMUNICATIONS AND MEDIA PAGE 10Get the lowdown on TV, GamesConsoles, mobile phones and more…
BANKING AND MORTGAGES PAGE 12 Know how your credit rating counts (and how to build it), the basics about mortgages and banking options.
BUILDING YOUR HOME PAGE 24Fancied building your dream home?Then turn to page 24 to learn more…
DRIVING PAGE 42Understand the basic differences betweendriving in the UK and in Canada
EMPLOYMENT PAGE 46 Get the facts on employment optionsand how to construct a great resume
All information is correct at time of print to the best of our knowledge;All opinions are ours alone and for information only, and do not in any wayconstitute de�nitive advice or facts
. THE RELOCATION GUIDE 2
Agricola St
University Ave
Summer St
Albert St
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MSouth St
Salter St
Sackville St
Ogilvie St
Atlantic St
Green St
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Victoria Rd
Kent St
Mclean St
Tobin St
Duke St
Francklyn St
Spring Garden Rd
Argyle St
Young Ave
Tower Rd
Morris St
Fenwick St
tS kraP ht uoS
Harbourview Dr
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Southwood Dr
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Rogers Dr
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Oceanview Dr
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Beaufort Ave
Belle
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Trollop
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Oakland Rd
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VeteransMem’l Ln
Coburg Rd
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Jubilee RdJubilee Rd
Lema
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Vern
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Watt St
Regina Terr
Cedar St
Windsor St
Shirley StPepperell St
Boscobel Rd
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Castine Way
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Albion Rd
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Kirk Rd
Allan StLawrence St
Parkhill R
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Duncan StChebucto Rd
MonasteryLane
Norwood St
Dingle Rd
Cambridge St
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Dublin SttS
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Wyndrock Dr
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Oak St
Seaforth St
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Westgate Dr
Connolly St
Drysdale Rd
Summit St
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First St
Vienna St
Lier Ridge
Fleming Dr
Berlin St
Theakston Ave
Raven
scraig Dr
Almon St
AcornRd
Abrams Way
Edinburgh St
George Dauphinee Ave
Joy ce Ave
Redwood Ave
London St
Invern
ess Ave
Flinn St
Clovis Ave
River Rd
Bridg
eview
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Rd
Reserve
Glenora Ave
Towe
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Circ l
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Thornhill Dr
Crestvie
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Edwa
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ab Ave
Mumford Rd
Spinnaker Dr
Spry Ave
Armshore Dr
Pinegrove Dr
Tartan Ave
Winchester Ave
Feruz Cres
Layton Rd
Dentith Rd
Rockingstone Rd
Cowie Hill RdRidge Valley Rd
Olie St
Mumford Rd
Lewis St
Melwood Ave
Roman
s Ave
Margaret Rd
Mountain RdWithrod Dr
Idlewylde Rd
Olive
t St
Rals t
on A
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Fenwood Rd
Osborne St
Tamarack DrKelly St
Stonehaven Rd
Edgehill Rd
Brook St
Quarr
yRd
White Glove Terr
Milsom S t
Arlington Ave
Doull Ave
Coronet Ave
Piers Ave
Hillcrest St
School Ave
Central Ave Fairbanks StShore Rd
Green RdBoland Rd
Dawson St
Faulkner St
Slayter St
Symonds StBrunswick St
Russell St
Pelzant St
Provo Wallis St
Chappell St
Chapman St
Armament Rd
Jackson
Rd
Primrose
StRosedale Dr
Hester St
Farrell St
Elmwood Ave
Catherine StBrule St
Howe St
Creighton St
Courtney Rd
Carroll Rd
Alfred St
West St
Charles St
Trinity Ave
Gottingen StAdmirals Way
Killick RdNivens Ave
Rutherford St
Springhill Rd
Clifton St
Fuller Terr
Russell St
Vincent St
Bloomfield St
Kaye St
Isleville St
Gladstone St
Bilby St
Veith St
Macara St
King StNovalea Dr
Union StNorth Marginal Rd
Kane St
Kenn
y St
Devonshire Ave
Young St
Rector St
Stairs St
Vestry St
Stanley St
Acadia StKempt Rd
Robie St
Liverpool StCork St
Glebe St
Young St
Lynch St
Prescott St
Bayers Rd
Leaman St
Quartermaster RdWindsor St
Gle be S
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Barracks Dr
Hawk Terr
Robie St
Kencrest Ave
Leeds St
Roslyn Rd
Africville Rd
Edgewood Ave
Stanbury St
Bright St
Basin
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Memo
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Commission St
Chisholm Ave
Bayne S
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Cook Ave
Vaughan Ave
Desm
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Main Ave
Rowe
Ave
Titus S t
Frederick AveRufus Ave
Birch St
AshdaleAve
Alex StLa c ewood Dr
Laurentide Dr
Convoy Ave
Glenforest Dr
Gateway R d
Sherbrooke Dr
Scarlet Rd
Southill Dr
Clay
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Seton Rd
Bishop SttS hcruhC
Ivanh
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Grant St
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Melvin Rd
Tower Terr
Carlto
n St
Fraser St
Bliss St
Binney St
Boulderwood Rd
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Cherry St
ParkerSt
LindenSt
MiltonDr
Waegwoltic Ave
Cornwall StYork St
Yale St
BirchdaleAve
Fairfi
eldRd
Burns Dr
Pinehaven Dr
Mabou Ave
Keyworth
LaneColpitt
Lake Rd
Rand
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Levis St
LeppertSt
Catamaran Rd
Mont S t
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Lynn Rd
Parkd
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AlderwoodDr
B ak e
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Best
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Graham St
Frances St
Artz St
Henry StGrove
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Wallace St
Roberts St
India St
Lovett St
MaySt
Hanover StRichmond St
Windsor
Terr
Demone St
Stone
ham CrtNorth
Ridge R
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Laurie Dr
Heini
shAv
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ValSt
Randall Ave
BraesideLane
Sunnydale Ave
Ferguson Rd
Stairs St
Floral Ave
Bedford St
Westbrook
Ave
George St
John StWilliams St
Dickson St
Mott
St
Brookside Ave
Jamieson St
Middle StYorkshire Ave
Robert Burns Dr
Parkstone Rd
Lahey Rd
Novalea Dr
Newbery
St
Gorsebrook Ave
South Bland St
tS ll
ehcti
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ngton
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Point Pleasant Dr
Chain Rock Dr
Bilton Lane
Rhuland St
Robie
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Belmont Rd
Inglis St
dR lanigraM
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nalB Smith St
Brussels St
BlueWillow Crt
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Murray Pl
Ridgewood Dr
Belmont onthe Arm
MarlboroughWoods
tS teratraC
Dalho
usie
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Hollis
St
Harvey St
Clyde St
WenlockGrove
Mcmanus Rd
Mcnab Dr
Litchfield Cres
Forward Ave
Marte
llo S
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Blowers St
evA e
lavn
rohT
Jennings St
Yukon St
Chebucto Lane
Windsor St
Davison St
Williams StWelsford St
Geldert St
Preston St
Seldon St
Third St
Pryor StDunvegan Dr
Payzant Ave
Armview
Ave Tupper Grove
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Hunter St
Clifton St
Cunard St
Cornwallis St
Falkland St
Gottingen StMaitland St
Gerrish St
Valour Way
Upper Water St
Portland Pl
Uniacke St
Agricola St Cunard St
Armoury Pl
Willow St
Agricola StBelle Aire Terr
Northwood Terr
Sherwood St
Westmount St
Macdonald St
Quinn St
Philip St
Joseph StRoosevelt Dr
Churchill Dr
Armcrescent Ave Fourth St
Second St
Rosebank Ave
Churchill Dr
Swaine StSt Albans St
Mccully St
Almon St
Oxford St
Monaghan DrKaye St
Peter Lowe AveRalph Devlin Dr
Robert Murphy Dr
Doug Smith
DrLexing
ton Ave
Deacon StPacific St
Marjorie
Russell Lane
Stadacona RdPusser Lane
Needham StStrawberryHill St
Kempt Rd
Mackintosh St
Forrester St
High StRosemeade Ave
Hillside Ave
Highland Ave
Normandy Dr
Merson Ave
Cabot StSebastian St
Merkel St
Columbus St
Livingstone St
Roma
ns Av
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deral
Ave
Regent Rd
Micm
ac S
tSt An
drews
Ave
Macdougall St
Connolly St
Dudley St
Maxwell Ave
Cloverdale Rd
Percy
St
Deal
St
Milsom St
Downs Ave
Winter St
Springvale Ave
Rosemount
Ave
Retreat Ave
Briarwood Cres
Plateau Cres
Stoneybrook
Crt
ManorLn
Woodward CresVimy Ave
Sunnybrae Ave
Melrose Ave
Rosedale Ave
Cross St
Coronation AveAdelaide Ave
Main Ave
Dutch
Villa
ge R
d
Alma CresMcfatridge Rd
Scot St
Spruce StElliott StWes
terwa
ld St
Flint St
Borden St
Skeena St
Fiske St
GlendaCres
General Ave
Berts
Dr
Dawn St
Evans Ave
Ford St
St Matthias St Compton Ave
Woodill St
tS mahgni mri B
Isner Ave
Some
rset A
ve
Morningside Dr
Roya
l Pine
Ave
Fielding Ave
Walton Dr
Walcot Run
Keating Rd
Crown Dr
Craigmore
DrRock
wood Ave
Ashb
urn A
ve
Stan
ford S
t
Heml
ock S
tMa
yfield
Ave
Abbott Dr
Penn
ington
St
Bryd
en A
ve
Punch Bowl Dr
Highfield St
Shoreham
Lane
RamsgateLane
Melville Ave
Pearl St
Colin
dale
St Westgate Dr
Shaw Cres
Aurora Ave
dR yelmorB
Mayor Ave
Spencer Ave
Hartlen AveSt Michaels Ave
Lyons Ave
Birchview Dr
Saraguay Pl
Aldergrove Dr
Katrina
CresEmerald Cres
Heather
St
Elgin St
Nelson Ave
Sagewood Lane
Granby Crt
Schnare St
Walter Havill Dr
Halef Crt
Anchor Dr
Lanigan Crt
Walsh Crt
North West Arm Dr
Sackville St
Purcells Cove Rd
Bell RdJubilee Rd
Quinpool Rd
tS drofxO
Williams Lake Rd
Connaught A ve
Sussex St
Old S
ambr
o Rd
Duffus St
Lady Hammond Rd
tS si
lloH
t S ei boR
Windsor S t
Lower Water St
South St
Barrington St
Massachusetts Ave
Massachusetts Ave
Connaught Ave
Bayview RdLacewood Dr
Wyse Rd
Wyse Rd
Albro Lake Rd
WindmillRd
Cogswell St
Joseph Howe Dr
Bedford Hwy
South St
Robie St
Barrington St
Barrington St
Quinpool Rd
Herring Cove Rd
Herring
Cove Rd
Bayers Rd
Chebucto Rd
Jose
ph H
owe D
r
St Margarets Bay Rd
Bedford Hwy
Victoria Rd
Angus L MacDonald Bridge
A Murray
MacKay Bridge
North StConnaught Ave
Williams Lake
HalifaxHarbour
Northwest Arm
The Narrows
ColpittLake
LongLake Catamaran
Pond
FrogPond
MelvilleCove
WhimsicalLake
ChocolateLake
BedfordBasin
Old AshburnGolf Club
HalifaxShopping
Centre
West EndMall
CFB HalifaxStadacona
CFB HalifaxWillow Park
AfricvillePark
SeaviewLook-off Park
MervSullivan
Park
Fort NeedhamMem’l Park
DevonshireArena
HalifaxCommon
IWK Health/QEII Centre
HalifaxInfirmary
DalhousieUniversity
DalhousieUniv. - Carleton
St.Mary’s
University
DalhousieUniv. -Sexton
HalifaxCitadel
Nat’l HistoricSite
PublicGardens
PointPleasant
Park
FlynnPark
Sir SandfordFleming Park
FrogPondPark
102
111
The Hydrostone
Convoy Place
WestEnd
Armdale
SouthEnd
HALIFAX
Melville Cove
Cowie Hill
Boulderwood
0 0.25 0.5 0.75 1 Mile
0 0.5 1 1.5 Km
Halifax Peninsula
What makes a city a great place to live and work in? It’s size, population and industry or its people, charm, future prosperity? That intangible feeling you get walking around, perhaps the blend of old and new that has you wondering what’s around the next corner?
If the latter, then Halifax is the place for you.
Nova Scotia, situated on the eastern seaboard of the Canadian Atlantic provinces, has a population of just under a million, almost half of whom live and work in the Halifax (HRM) and surrounding areas. Halifax, the Capital was founded in 1749 by the British, initially as a military base. The town itself was situated beneath (what was to become) Citadel Hill.
Nova Scotia is all about the sea; nowhere is more than 42 miles from the ocean and this has played a fundamental part in the traditions and outlook of its people.
Nova Scotia is a peninsula, connected through the province of New Brunswick to the rest of Canada and the U.S.A. Halifax boasts an award winning international airport that is the closest Mainland International Airport in North America, to Europe.
Small fishing villages and bays along the coastline, evergreen forests inland; no wonder they call Nova Scotia, Canada’s Ocean Playground.
Steeped in British history and traditions (and especially Scottish influence), Nova Scotia often seems more British than the UK. If anyone could bottle what makes Nova Scotia so special, you would have to say it’s the people. Where in the world can you go, where a visit to the supermarket is really a chance to stop and chat with friends (even though you may not have met them before); community and people looking out for each other is plentiful in Nova Scotia.
Halifax itself is a vibrant city, combining the old and the new. Citadels and Batteries dating back hundreds of years live in harmony with more cafes, and restaurants per head of population than anywhere in North America.
Recreation is part of the Canadian Lifestyle. Halifax and Nova Scotia offer extensive facilities for almost all pursuits; from Skiing, fishing and water sports to Ice Hockey, Football (Soccer) and Rugby. Enjoy unspoilt vistas when hiking, boating or just meandering around. Space is everywhere (OK they’re not making any more of it, but there’s plenty here); no more crowded beaches, queues or drive time nightmare commutes. Come live the dream.
Halifax, or to use its correct title, HRM (Halifax Regional Municipality) is an amalgamation of Halifax, Dartmouth and smaller towns and districts. Located on both sides of the Bedford Basin, Halifax Harbour is the second largest natural Harbour in the world.
Halifax though is growing; a new, world class conference centre, proposed sports stadium and the largest retail park, east of Montreal. The future for Halifax looks bright. This is in no small part due to the Irving Halifax Shipyard and the securing of the Federal Naval Combat contract.
Further out from downtown, good highways connect suburban and rural areas that are always in demand and offer an enviable lifestyle; areas such as Bedford, Fall River, Tantallon and Porter’s Lake are always popular places to live, with commute times to Halifax of around 30-40 minutes.
Nova Scotia has Canada’s warmest weather overall; warmer summers and milder winters than inland Canada.
Halifax also offers world class education and medical facilities, including 5 Universities, as well as two general hospitals and a dedicated Children’s and Women’s Health hospital (IWK).
A thriving theatre and musical culture pervades the entertainment downtown. Try to find a bar or pub or restaurant that doesn’t have regular live music. To complement the downtown scene, Halifax also is home to the Metro Centre (sports and concerts) and the Halifax Casino.
Halifax and Nova Scotia welcomes you.
H A L I F A X A N D N O VA S C O T I A
Looking to rent a home in Nova Scotia?ome families, when they first land in Nova Scotia, will look to
rent in the short to medium term rather than buy a property prior to their move or within the first few weeks (remember that Immigration authorities will require a permanent address).
The best way to find a rental property in Nova Scotia is to seek out the services of an established rental agency/property manager. Rather than browsing through all of the ads listed on internet sites and trying to deal with individual property owners, a rental agency will have access to many properties and local information to help find the best property for your needs. There are many laws and regulations that a visitor may not be familiar with and an agency will look out for your best interests. Some points to consider:
- Location. Looking at a map and comparing your place of work to where you live does not give the full picture. Knowing what the traffic conditions are like at peak times is important when calculating commute times.
- Is there adequate shopping and services available in this area?
- If you have children, are the schools in the area easily accessible. Are they good schools?
- How safe is the area?
- Are there amenities such as parks, churches, playgrounds and
walking trails?
- Utilities. If utilities such as electricity, water, oil, cable, phone and internet are not included in your rent, it is your responsibility to have these services established in your name. Connection times can be as long as 2 weeks so plan ahead and schedule hookups to be in place on or before you arrive. Some utilities will require a refundable deposit for new accounts .
- Prices. Know your budget and stick to it. Prices can vary considerably depending on location, unit condition, type of property, furnished or unfurnished. Expect to pay more for downtown areas as well as oceanfront units as compared to regular subdivisions outside of the city.
- The lease. The lease is a legal binding document between you and the landlord. It is important to know the rules and terms of the lease regarding rental amounts, when and how it is paid, security deposits, important notice dates as well as requirements of you and the landlord. It is advisable to have an agency help you with this and to help you through the negotiation stages.
In NS, half of the first months rent will usually be collected as a deposit. Damage deposit will be collected when the lease is signed. On move in date, the first month is due and often 11 post dated
cheques to cover the whole lease. Also very important to note is that tenants are responsible for tenant insurance. In the event of fire or water damage, the landlord's insurance will not cover the tenant's property.
Most rental properties will have a minimum lease of a year, some with lesser lease periods may charge a premium for the privilege. Although rental properties can be found on internet sites, correspondence internationally with advertisers (or posting your own ad, looking for rental properties) is often not accommodated within the system.
Parking Meters in Downtown Halifax have colour coded caps to indicate Max Time: Red-30mins, Silver-90Mins, Green- 2 Hrs, Yellow- 3.5Hrs
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. THE RELOCATION GUIDE 6
EMIG
RATI
ON
Essential things to bring and arrange before landing
• Summary of medical records from your doctor
• Children’s immunisation records
• School records for children
• Divert post/ mail to new address (or our office)
• Bring tax forms (p60s etc). Con-tact Inland Revenue.
• Bring confirmation of YEARS claim free driving from your previous insurer
• Original Certificates: Birth/ marriage etc. Carry 2-3 copies of important documents. Note Bring FULL birth certificates for
children.
• UK or home country driving licence
• Ensure you have a credit card upon landing (you can’t hire a car without one)
• Goods to follow list for customs
• Proof of finances
• Passport/ Visas/ permits
• Job offer confirmation (if appli-cable); also company contact details.
• Proof of Canadian address (permanent/ temporary)
• Money exchange account
• Shipping contact details both in UK and Canada
• A bank account set up previously is advisable
• A Canadian cell phone/
unblocked UK mobile phone
• Inform your UK bank and credit cards of your move
• Inform utilities
• Inform Pension authorities/ companies
• Travel insurance (although you are covered by MSI from day1)
• Small step up voltage converter
• UK Credit history confirmation if required
• GPS/ map
EMIGRATIONCHECKLIST
The area code for Nova Scotia is 902. International calls from NS will need 011 and the country code. Calls to NS internationally require 001 (+1 from the US).
. THE RELOCATION GUIDE 8
© Howard Sandler | Dreamstime.com
A Dollar Coin is called a Loonie and a Two Dollar Coin is called a Toonie; One cent is often called a Penny, 5 Cents a Nickel, 10 Cents a Dime and 25 Cents a Quarter
COMMUNICATIONS
AND MEDIATVTV in North America runs on the NTSC system; this does not mean that you have to throw your UK TV out as most European TVs are NTSC and the PAL compatible. You will probably have to convert the voltage supplied from 110 to 240 volts by using a step up converter. For example if your UK TV is 300w you will need a 500-750w step up converter (as the wattage ‘spikes’ when turned on).
Note: Scart connections are unavailable in Canada.
DVDs in Canada are region 1 (UK DVDs are region 2) so in order to play both on a player it will need to be ‘multi region’ (called region free in North America). Codes for most DVD players can be obtained from the internet or a cheap multi region/ multi format player can be bought in Canada for around $70.
TV is usually watched via either cable or satellite. Major TV service providers include Eastlink and Bell Aliant. Films, sports and on demand content are readily available. Many Expat families also view UK programmes via custom websites that cater for UK tastes (www.thebox.bz). BBC iPlayer (Global) is also available for iPad and can be played via your TV, this is a subscription service.
Game ConsolesNorth American Games for Xbox and Playstation are region coded 1 and will not play on a UK console. UK games will also be incompatible with Canadian consoles.
UK Consoles only need a small step up converter to work and this provides a medium term solution for most families for existing games.
Mobile/ Cell PhonesThe main difference between Canada and the UK is that generally incoming calls are charged for. Like the UK, there are a myriad of plans and service providers such as Eastlink, Rogers and Bell Mobility. Family packages are available. It is recommended that before committing to a long term package, that your new home area is checked for signal strength.
Home PhoneA home phone service is usually installed as part of a package with a TV/ Internet service provider. First year agreements will normally come at a discounted rate. Local calls will be included free within standard packages but long distance will be charged at an
extra rate (long distance charges will also apply out of your immediate local area as well as between different Provinces).
Phoning the UKThe Internet now provides access to free international phone calls with providers such as Skype. International phone cards are available both online and at many retail outlets. Charges are varied and care should be taken to obtain a No Fee card that charges for the minutes/ seconds used.
InternetThe introduction of Fibre op and Cable Internet, provide high speed internet , to virtually all households, generally in excess of UK speeds. The nature of Canadian houses (wood frame) also means that wifi works very well around the home. Different companies have different download/ upload speeds and sometimes a cap on data transfer per month. Generally, a dedicated Fibre optic cable to your house will have better upload speeds.
Main providers include Eastlink, Bell Aliant and Rogers. Download speeds ranging from 20-200mbs are available.
The introduction of Fibre op and Cable Internet, provide high speed internet, to virtually all households, generally in excess of UK speeds.
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. THE RELOCATION GUIDE 10
BAN
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Bank Accounts, Mortgages and Credit cards can be set up as a non-resident; in fact you don’t even have to live in Canada to initially open up a Bank Account.
ne of the most important factors in relocating to Nova
Scotia/ Canada, from abroad is setting up financial services. This will usually include Bank Accounts, Mortgages and Credit Cards.
Certainly, if moving from outside North America, Credit rating is also a factor, especially with services such as cell/ mobile phone contracts.
Bank Accounts, Mortgages and Credit cards can be set up as a non resident; in fact you don’t even have to live in Canada to initially open up a Bank Account.
Bank accountMost families looking to move to Nova Scotia will initially open a Savings account with a Bank. A bank account will usually have to be set up in person, in Canada. There are some exceptions and the market is moving towards greater flexibility for International clients.
A Chequing account (Current Account) is fairly easy to open when you first arrive. Accounts in Nova Scotia usually attract a monthly fee.
Internet banking is common and offered by all banks. Automated Teller Machines are plentiful and can be found at many store and Mall locations. Most ATMs will allow UK debit card/ credit cards.
To open a bank account you will need two pieces of identification (Passport/ Driving licence) along with a Utility bill to show your
present address.
Credit RatingMoving To Canada from outside North America means that you start without a credit rating. A good credit rating is achieved through a Credit line with your bank, Credit Cards and Loans. Recently, some mortgages will also aid your credit rating. Generally it is a good idea to have secured a bank account and a preapproved Credit card prior to moving to Nova Scotia in order to kick start your rating, ready for your landing.
It is always a good idea (although not mandatory) to bring your UK credit rating with you to Canada. These can be obtained at www.experian.co.ukor www.equifax.co.uk
Credit CardsLiving in Canada without a credit card is a challenge; for example, you can only rent a car with a credit card presented to the rental company.
Ideally, once you have set up your Chequing/ Savings account, enquire about opening a ‘secured’ credit card facility. This will stand you in good stead for when you arrive and also aid your credit rating.
Utilities can take Credit Card payments over the phone
(they will not take Debit Card payments this way).
MortgagesEven if you are not living in Nova Scotia, you can still be pre-approved and obtain a mortgage. For a home purchase banks can loan up to 95% over 25 years but sometimes may require a 35% deposit from new immigrants. Any mortgage over 80% will be subject to an indemnity charge on the amount borrowed; this is usually paid to CMHC (Canadian Mortgage Housing Corporation).There are several different types of mortgage available to a Non Resident and newly arrived Canadian residents such as Equity Mortgages, Work Visa and Permanent Resident mortgages. Deposits usually vary between 10%-35% dependent on circumstances. Income such as pension earnings etc. can often be used on a mortgage application however foreign rental income cannot be used but may aid a case for a mortgage application.
For a Non Resident mortgage (35% down) UK employment/pension income is used.
Most mortgages will be either fixed or variable rate. Interest only mortgages are not available however Home Equity Credit Lines offer interest only. The full length of a mortgage (Max 25 years) is called the amortization period. The mortgage term is the period of the rate guarantee e.g. 3 year fixed.
Like the UK, measurements are a mix of Imperial or Metric. For example, Oven temperatures are usually referred to in °F but road distances are referred to in Km.
BANKING AND MORTGAGES
. THE RELOCATION GUIDE 12
Relocation and Settlement Servicesfrom UK 2 Nova Scotia
UK 2 Nova Scotia provide full relocation and settlement services for you; this includes unlimited advice and information via email and phone, along with individual consultations on all aspects of your move.Moving Countries or Provinces is not something that happens every day so we’re here to help.
Which services to use? How much will it cost?Lifestyle choices including areas to live in, which schools are best, what is the cost of living? We’re here to help with everything and to make your move informed and as seamless as possible.Our service to you is personal and suited to your individual needs.
24/7 email and phone advice and information
www.uk2novascotia.com The best relocation website and facilities available anywhere
Extensive brochures/ fact sheets and schedules to help you plan your move
In depth consultations with you and your family
Discounted services from Shipping to Car Insurance and Shops
Full Real Estate and Rental provision
Continuing care at any stage, to aid your settlement.
Our services to you includesRelocation
Shipping and Pet relocation Shipping Insurance Money Exchange
Banking – Accounts/ Mortgages/ Credit cards Pensions Car hire
Living
House Purchase – House Build Rental accommodation
Communications - Phone/ TV (UK)/ Media Car Purchase/ Lease
Car (Auto)/ Home Insurance Nova Scotia – Education/ Medical/ Cost of living
Additional Services
Immigration Consultancy phone service
Continuing care and support (spousal employment/ business etc)
Social Networking and events
Information seminars
Service contacts: Lawyers/ accountants/ Trades etc
Where is the best hairdresser? How does Tax work?Can I bring my TV to Canada?
Contact us at anytime on: 001 902 860 0845or [email protected]
Nova Scotia is a Canadian Province situated on the Eastern Seaboard of North America. The general region is sometimes referred to as either the ‘Maritimes’ or ‘Atlantic Canada’. This area is generally considered to incorporate Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland and Labrador.
Being the most populous Province in the region, the Capital, Halifax is considered to be the economic heart of Atlantic Canada.
Nova Scotia (New Scotland) is in fact the warmest Province in Canada overall, benefiting from the moderating effects of the surrounding ocean. With a land area of just over 21,000 sq miles (just under half the size of England) and a population of just under a million, most areas are sparsely populated. Apart from the Halifax
region itself (pop: 400,000) other
main centres include the Annapolis Valley, South Shore, New Glasgow, Truro and Sydney in Cape Breton.
Over 90% of the population derive their heritage or language from the British Isles; Scottish and Irish traditions being particularly strong.
Canada’s Ocean playground has a coastline of nearly 7500km and nowhere in the Province are you further than 56Km from the sea.
Falling under the Atlantic Time Zone, Nova Scotia is mostly 4 hours behind the UK and an hour ahead of Eastern Standard time (New York).
Communications are good and a trip of around 5 hours from Halifax will bring you to the US border.
Halifax Stanfield International airport provides the region with excellent air access to Canadian cities, the USA and Europe. In fact, the airport is the closest mainland
International Airport to the UK, in
North America. Flight times are in the region of 5-6 hours.
Three layers of Government, Federal, Provincial and Municipal are represented throughout the Province, with the Queen’s Representative, the Lieutenant Governor residing in Halifax.
Halifax itself is a blend of the old and new, conservative heritage and progressive thinking. A city of diverse interests and vibrant entertainments; an often quoted maxim that ‘there are more bars, pubs and restaurants per capita, than anywhere in North America’…you decide!
A few minutes outside the Capital, areas become visibly more rural, housing more spacious and the lakes plentiful. Popular areas for new immigrants from the UK and US include Bedford, Fall River, Hammonds Plains and Tantallon.
People are friendly and accommodat ing, the pace of life a bit more leisurely than most new residents anticipate. Life is about socialising, the outdoors, community, friends, with a big emphasis on talking about the weather!….
Welcome.
Halifax and Nova Scotia is on Atlantic Daylight Time (ADT) which is -4GMT and +1EST.
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In moving from the UK to Nova Scotia, you will initially require the services of a lawyer in your purchase of a residence, whether it be a house, condominium, or new construction.
Unlike their counterparts in the UK, lawyers in Nova Scotia are both barristers and solicitors, and will personally meet with you to discuss with you your legal needs, review documentation, and provide advice.
In the case of real estate transactions, the lawyer will review the initial contract of purchase and sale, prepare all the real estate documentation to convey title to the property into your name, deal with the mortgage company, prepare and record the mortgage, and advise you of the costs involved so there will be no surprises on closing day.
If you plan to start a new business upon your arrival in Nova Scotia, the lawyer will be able to provide you with advice regarding the benefits of a sole proprietorship or forming a limited company under the laws of the Province of Nova Scotia. Canada, unlike the UK, is a federation of provinces, so there are both provincial and federal laws which must be adhered to.
It is important that your Last Will and Testament complies with the laws of the Province of Nova Scotia, so it is advisable that you meet with your Nova Scotia lawyer to discuss preparation of a new Last Will and Testament, Power of Attorney, and Personal Directive in the event you are incapacitated and unable to make medical decisions.
Any legal matter, from the purchase of a house to a criminal matter, can be stressful, so hiring the right lawyer for you is important.
Size matters. Bigger is not always better when it comes to choosing a law firm to handle your legal matters. Law firms in Nova Scotia range in size from one lawyer to hundreds of lawyers. Being the client of a small law firm has its advantages, as you can be assured the lawyer you hire will be handling your file personally.
“To me, a lawyer is basically the person that knows the rules of the country. We're all throwing the dice, playing the game, moving our pieces around the board, but if there is a problem the lawyer is the only person who has read the inside of the top of the box.” (Jerry Seinfeld)
Provided courtesy of David G. Barrett Law Incorporated
Some things you need to know about hiring a lawyer in Nova Scotia...HIRIN
G A
LAWYER
. THE RELOCATION GUIDE15
The Bedford Basin is the second largest, natural, Ice free harbour in the world (after Sydney, Australia).
in Nova Scotia is known as Medicare and the coverage for this system is known as MSI (Medical Services Insurance). You are eligible for MSI from the day you land, either as a Permanent Resident or on a Temporary Work Permit.
Nova Scotia's Health Insurance Programs are designed to provide eligible residents with coverage for medically required hospital, medical and optometric services, with some restrictions.
The Medical Services Insurance Programs are administered by Medavie Blue Cross on behalf of the Nova Scotia government. The Department of Health and Wellness provides policy direction for the programs. The Hospital Insurance Program is administered directly by the Department of Health and Wellness. The cost of providing these services to Nova Scotians is met through the general revenues of the province. You pay no premiums.
MSI covers all necessary medical and surgical services, GP services and a certain quota of tertiary services, such as physiotherapy. GP’s offer a primary care service, similar to the U.K. and referrals to physicians/consultants are done on a ‘needs’ basis.
Health cardsIt is advisable to get health cards as soon after landing as possible. This will allow you to register for a GP as most surgeries will not take registration without a valid card.
To obtain your Health Card visit the MSI centre without prior appointment, at:
230 Brownlow Ave, Dartmouth NS
(902) 496-7008 or toll free 1-800-563-8880 in Nova Scotia
If you have any enquiries, email: [email protected]
A Health card is usually valid for 5 years for Residents although will usually be valid for one year on a work permit and will need to be renewed periodically.
GP’sA GP finder that will help you assess which GP’s are taking new patients in your area.
https://www.gov.ns.ca/dhw/
MSI will not cover the cost of medications, dental or eye care or extended tertiary care, such as physiotherapy etc. Dental Care is operated totally in the private sector although children under the age of 10 years are offered free dental check-ups and cleaning under MSI. Dentistry services are not restricted by area.
Health Plans/Insurance PlansMost employers will offer a ‘top up plan’/health insurance to cover
most of the cost of those services not covered by MSI this will usually range between coverage of 70-100% reimbursement on Drug and Dental and other medical charges (some conditions may apply).
Health Plans are paid for by the employee within a supplemented corporate scheme e.g. a family cover may cost around $50-100 per month. You can also opt for your own insurance plan; this is not private healthcare, it just supplements the amount you have to pay for those areas not covered by MSI.
Where are the clinics and hospitals?Nova Scotia prides itself on having many state of the art healthcare institutions; centres of excellence such as the IWK Children’s and The Woman’s Health Hospital.
There are many drop-in centres available, especially handy if your GP is unavailable.
Many of the emergency/out of hours GP services will be based at Atlantic Superstores dotted around Halifax.
Outlying Accident and Emergency Centres (ER) available can be found at the Capital Health website, www.cdha.nshealth.ca
It is advisable to get health cards as soon after landing as possible. This will allow you to register for a GP as most surgeries will not take registration without a valid card.
The Healthcaresystem
HEA
LTH
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. THE RELOCATION GUIDE 16
INSU
RAN
CE
nsurance in Nova Scotia is regulated by the Superintendent
of Insurance and all agents and brokers must be licensed.
Home policies are available to insure your primary residence - your home, apartment or condominium, as well as, your cottage or other residence. The type of coverage required (building and/or contents) depends if you own or rent a property. Rates are based on a number of factors, including the location of the home, fire protection, type of heat, amount and type of coverage required, etc. Premium discounts are available to qualified homeowners, condo owners and tenants. Policies will normally have a deductible. Some companies offer the benefit of a reduced deductible over time should no claim be made.
Car (Auto) insurance is mandatory in Nova Scotia for vehicles driving on public roads and highways. Minimum benefits are set by the regulatory body and coverage must include $500,000 Third Party Liability, Accident Benefits,
Uninsured and Unidentified Automobile Insurance. Optional coverage includes loss of or damage to your own vehicle, as well as, other options which can tailor the policy to your needs. Optional coverage will have various deductible available. Rates are based on driver experience, type of vehicle, use of vehicle, coverage required, etc. Premium discounts are available to those who qualify. It should be noted that age or marital status cannot be used by providers to establish rates. Each household car will have a ‘primary’ driver, and additional drivers in the household must be listed.
Rates for new immigrants from the UK will be largely affected by proof of ‘Claims Free’ driving in the UK. It is very advantageous to bring proof of this claims history from the UK as this will be recognised in varying degrees by different providers up to a maximum of 6 years. This information should include previous insurance company name, policy number, the number of years insured, listed drivers and claims history details.
It should be noted that Insurance companies from source countries are often loath to provide driving insurance history to other providers in Canada. As such histories should be secured before moving to Canada as proof of claims free history status.
Natal Day (usually 1st Monday in August although this varies in Halifax) is Nova Scotia’s birthday.
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Car andHomeInsurance
. THE RELOCATION GUIDE 18
DISCO
VERY
DISCOVERYalifax, as a centre of learning in Atlantic
Canada, can look forward to a unique and exciting project for those interested in all aspects of science.
The Discovery Centre, Nova Scotia’s only hands-on science centre and a fixture in Halifax for over 26 years, is embarking on a new era in its evolution. A new, state of the art Discovery Centre is poised to open in late 2014. The seed has been planted with a tremendous gift from Nova Scotia Power – 49,000 square feet of space along Halifax’s pristine waterfront.
The new Discovery Centre will be built on a foundation of
emotion, wonder, amazement and intrigue. It will take learning well beyond books and classrooms not only providing a vital enrichment to science curriculums for all grades but also enriching the lives of all those who walk through the doors.
The Discovery Centre’s education specialists, designers and visionaries are collaborating with local experts to develop exhibits for the new facility. Based on the three pillars of: changing behaviour, creativity and inspiring awe, the new Centre and its exhibits will challenge the public to see science and life through a whole new lens.
H
Unless otherwise notified, speed limits on Urban Roads are 50Km/h and on Highways 100Km/h.
. THE RELOCATION GUIDE19
TOP
TIPS
Emigrating toNova ScotiaHere Are a Few TopTips to Help You
• Most goods attract Harmonised Sales Tax charge on top of the sale price, exceptions where tax is included in the price are Alcohol and Gas/ Petrol.
• Deed transfer tax on a house purchase is usually 1.5%
• Canada is region 1 for DVDs and games
• You are covered by MSI from day one, under a work permit or residency, from outside Canada, when entering Nova Scotia
• House sales usually complete within 4-6 weeks
• Debit cards are not usually taken over the Phone/ internet in Nova Scotia
• Power bills are every two months
• Paper size in North America is letter or legal size (Not A4): change printer default.
• Dates usually written MM/DD/YY in Canada (but not always)
• Steak: Fillet is Tenderloin, Sirloin is Strip loin, and Rump is Sirloin!
• Kilometers are often referred to as clicks
• All electrical equipment will come with moulded 'plugs' , interchangeable plugs are not widely available
• North American PC keyboards will not have a £ sign and the @ will be in a different place
• Crisps are chips and chips are fries (unless they come with fish!)
• Don't park against the traffic on a road, you could be ticketed
• You can usually turn right on a red light (if the way is clear)
• There are few roundabouts in NS, but plenty of 3 or 4 way junctions. When traffic lights are not present, manoeuvres are made in turn
• Unless specified, Coffee will always come with cream, not milk.
• UK bedding sizes differ from North American sizes (except for Double)
• Children can drive from the age of 16
• You must be 19 to buy, drink or sell alcohol in NS
• You need a credit card to hire/ rent a car in Nova Scotia
• You can claim medical and childrens' recreational expenses against your tax return
• Tax return should be submitted by April 30th each year
• Normally, child allowances can be claimed from the date you entered Canada, once you have submitted your tax return (usually child allowances start from July each year)
• Phone the UK = +01144, phone Canada from the UK= 001, from The USA = +1
• If you have a basement, use a dehumidifier in summer
• Sharp are usually the only major brand TV that accommodates
both NTSC and PAL
• Children start school, the year they are 5
• Graduation is normally a 3 year course (up to 24 credits, min 18)
• Orange Pekoe tea is a grade of tea (not orange flavour); try English Breakfast tea or imported tea from the UK at Pete's frootique
• Most Nova Scotians will normally take off their shoes when entering someone's home
• Nova Scotia is Atlantic Standard time (-4GMT, +1 EST)
• Bags are packed for you at supermarkets, unless you use the express tills
• There are 11 bank holidays in Nova Scotia (although Easter Monday is not a full Bank holiday for many people). Boxing Day is celebrated. Remembrance day (11/11) is a full holiday
• Spring/ March break usually falls around the second week of March
• School holidays are usually from around the end of June to the first week of September (no half terms)
Residents of Halifax are known as Haligonians; the city was founded in 1749 and is known as the ‘City of Trees’
. THE RELOCATION GUIDE 20
Booster seats are required for Children up to the age of 9 (or 145cm); Safety seats for Children are required up to 40lb.
BUYI
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SEThe System in Nova Scotia
eal Estate and the house buying process differs
considerably from the system in the UK, especially in terms of representation of a client in a transaction.
Most properties for sale, unless listed privately, will be represented, as in Britain, by a Real Estate Brokerage, through an agent. Real Estate agents are licenced in Nova Scotia and called Realtors®.
The difference occurs in that Realtors® can also represent buyers and can show ANY property on the open market, not just the listings they or their Brokerage’s represent. ALL Real Estate fees are paid by the vendor so in essence, representation through a Realtor®, for a buyer, is free.
Normally a new immigrant to Canada is classed as a first time buyer and uses a Realtor® of choice to view properties in different areas.
Viewing propertiesProperties are normally listed on a Canada wide listing system called the Multiple Listing Service (www.realtor.ca).
During a visit to Nova Scotia, or once you have landed, you may wish to view properties. Your Realtor® will arrange an itinerary
and accompany you throughout these viewings. In most cases the vendor will not be present. At each property you will be supplied with detailed information on the properties.
You’ve found the right house…what now?Once the buyer has chosen their ideal property, the offer process begins. This process is very strategic and is managed by usually quite tight timelines. This allows the buyer to plan and manage their expectations throughout.
The buyer’s realtor® will help draw up the offer document and this will be presented to the seller agent who will, in turn, present to the seller. The offer can either be; accepted, declined or in most circumstances, a counter offer made. If agreement is reached, a contractual basis is reached, dependent on inspections and other criteria such as finance approval. These other criterion are called ‘conditions’.
This means, in effect that a contract exists at the start of the house buying process, unlike the UK where ‘exchange of contracts’ tends to be at a far later stage.
In most cases, the whole buying process takes between 2-6 weeks.
Other considerationsConsiderations (that are often not paramount in the UK) are water
supply and water condition, if supplied by a well; Also the use of septic tanks and oil tanks.
Of course, house construction is different than the UK; most houses have a wood frame, siding (brick/ vinyl or wood), different roof coverings and utility systems. Quite a lot to take in when you first arrive and something that a good Realtor® will lead you through.
The Real Estate system in Nova Scotia is robust and your interests are protected by an active Real Estate Commission (NSREC), the ruling body.
Di�erent types of housingHouse types in Nova Scotia range from Single family 2 story houses (detached) through to Split entry (part above and part below grade (foundations) and bungalows. Many houses have a basement (either finished or unfinished).
All in all, the house buying process is carefully managed and planned to suit both parties whilst ensuring that representation on all sides is confidential and fair.
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. THE RELOCATION GUIDE 22
BUIL
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A new start, in a new country; what could be more fulfilling than building your own custom home? Rooms how and where you want; kitchen design, windows and bathrooms exactly how you have always dreamt of.Is this achievable……absolutely YES.
How Long does it take?In general, a house build takes around 5-6 months; builders have stock plans but can adapt these, or even build from your own existing plan. You will have your choice of heating and water systems, communications, size and distribution of rooms (maybe even a bonus room above the Garage for the kids!).
How to chooseWithin the Halifax region, most available lots are owned by specific builders who have ‘turnkey’ packages which usually
include allowances for kitchen cabinetry and flooring etc; of course you can customize anything depending on your budget. If building a detached family home, the house may be priced to have the main and upper floor finished, or in some cases the basement as well (think media room, extra bedroom, gym etc).
Is �nancing any di�erent?The turnkey package will include the price of the land and the total build; basically the full price is set, subject to any customizations or alterations you may make.
Deposits tend to be larger than a regular house buy (perhaps around $10k) but staged payments usually only come into play if the build is totally custom (Mortgages for full custom builds, for new immigrants are often hard to obtain).
Of course there are extrinsic costs to consider, for example, landscaping may not be included
in the price but conversely, first time buyer and efficiency rebates may be applicable.
Yes, building your own home will usually entail a rental period, may often go over your original budget and require a bit more work on your part. However the process is easier than you may think.
The importance of representationYour builder will usually have a Project Manager to lead you through all the different stages and offer options, your Realtor® will represent you from a Real Estate perspective and also assist invaluably with their experience and their expertise.
Most new builds are also covered by an Atlantic 7 year warranty in Nova Scotia.
The emergency Phone number is 911; Non emergency Halifax Police number 902 490 5020
. THE RELOCATION GUIDE 24
SHIP
PIN
G
ost families will transport their goods and personal
possessions to Canada either via Road or by sea. UK 2 Nova Scotia recommends that you consider bringing as many of your household and personal items as possible. Generally, replacing these goods as new, in Canada will be cost prohibitive. Even items from the UK that will need voltage converters, such as TVs, can be brought over.
As a general rule of thumb, electrical items with a high wattage or that can be easily replaced (White goods and Kitchen electricals) should not be brought over to North America if they are 240v.
Shipping prices are based on Volume (whereas land transport is usually based on weight). An average family will normally look to a 20’ container although 40’
containers are also available. Prices vary but full door to door service from the UK to Nova Scotia for a 20’ container should be in the region of £4-5k and £7k+ for a 40’ container. Insurance will be extra and independent insurance quotes should also be considered.
It is worth getting quotes 2-3 months before actual departure, if possible. Remember, you are charged for the volume of goods transported, not the volume seen/ assessed on your quotation.
General shipping times between the UK and Halifax are around 4-6 weeks door to door, including customs clearance.
Goods will need documentation stamped at the Halifax airport when you arrive on a Work Permit or are landing for residency. These goods will then have to be cleared at Customs in Halifax when they arrive.
Ideally, you should present both your Shipping Inventory and B4 forms to customs officials. The B4 form is required and any extension
needed (and goods arriving with you personally) should be entered on a B4A. The B4 forms should reflect your inventory but also contain resale values in CAD$ with a total amount.
Moving to Canada on a Work Permit (under 3 years) or with Residency will normally allow you to bring most goods in duty free. Be careful not to bring in Firearms, alcohol, plants or food as these will normally require customs officials to search your container and extra duty charges may be applicable.
Cars can be brought over if they are over 15 years old. Do not attempt to bring a car if it is newer than this.
For detailed information visit the CBSA and Canadian Food Inspection agency.
All On-Street Metered parking between 6pm and 8am is FREE. There are over 700+ Metered parking spaces in Downtown Halifax
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Shipping your
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. THE RELOCATION GUIDE 28
anding is the process of activating your Residency
Visas through a Port of Entry (POE)into Canada. Generally this will be the day, after months or even years through an application process, that you become a Canadian resident.
Of course in practice this can take different forms and the terminology suits a myriad of scenarios. For example, some new residents, although they may activate their visas are doing so with the intention of moving permanently at a later date.
Landing processEntering Canada through a POE with Canadian Residency visas in your passports, you will first encounter Canadian Border Service Agency Officials (as you would during a normal visit), after initial questioning, you will usually be directed to Immigration officials who will issue you with relevant residency paperwork. You will need a Canadian address for your Permanent residency card to be sent to you. You will normally be required to present your Goods to follow lists at this point (B4 and B4a forms). Once activated, your visas allow you to retain your residency status subject to certain conditions including a min time of two years spent in Canada within the next
five years.
Once you leave the airport/ POE, you are now a Canadian resident and will have IMM documentation to confirm this status. Your IMM 5292 is a confirmation of your PR status and records details that are correct at the time of your landing. This documentation is not a travel document. To Travel and return to Canada you will need your PR card (not a photocopy).
Permanent residency Cards usually take between 4-8 weeks to be received. If you need to travel outside of Canada and haven’t received your PR card yet, you can apply for a Permanent Resident Travel Document (PRTD).
‘Landing’ but not moving immediatelyIn many cases, families will activate their visas at a POE but will look to move at a later date. This strategy is viable as requirements mean that once activated, a new resident is required to live in Canada for two years out of a period of five years, to keep residency status.
Landing in this scenario however will still entail all the requirements of landing as a new resident including a permanent address within Canada to send Permanent residency cards to etc.
Work PermitsFor many new immigrants, a work permit may be the route that is initially taken to move, live and work in Canada. Usually a
residency application is in process or made from within Canada at a later stage. This would normally entail crossing a POE or visiting a local CIC office, to activate, when obtained.
Landing with a work permit, or receiving work permits at a POE, will also entail customs and border criteria (although no proof of funds).
LandingWelcome to Nova Scotia; now that you have landed permanently, either on a work visa or as a permanent resident, there are a few essentials in those initial days you will need to do!
At The AirportYou will encounter Customs and Immigration Officials at the airport; you will require all your necessary documentation and an address [which can be amended at a later stage]; don’t forget to have your ‘goods to follow’ list with you [B4A] Car Hire; Please note; you are required to be in possession of a credit card; some credit cards will cover Collision Damage Waiver.
Within the first couple of days you will need to apply for your SIN cards [Social Insurance Number] and your MSI [health] cards [see contact numbers sheet]. You will need a Canadian Address. You will be given your SIN number straight away and the card will take approximately 4 weeks to arrive. Your MSI card can be applied for in person (see healthcare section).
‘…some new residents, although they may activate their visas are doing so with the intention of moving permanently at a later date.’
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www.novascotiaimmigration.ca
For centuries, Nova Scotia has been welcoming visitors with
open arms, a tradition that has led to our diverse culture. New
arrivals often become lifelong residents, contributing to the
economic and social development of the province. The Nova
Scotia Office of Immigration offers the Nova Scotia Nominee
Program to assist immigrants who have the sincere intention
and ability to work, live and settle in our province.
What is the Nova Scotia Nominee Program?
The Nova Scotia Nominee Program (NSNP) is a recruitment and
selection program designed to allow Nova Scotia to increase
the benefits of immigration to the province. It enables the
Province of Nova Scotia to nominate immigrants who meet the
labour market and economic needs of the province. As a result
of immigration, our workforce and economy is more diverse.
A person who is “nominated” or recommended by Nova Scotia
is eligible to apply to Citizenship and Immigration Canada
for a permanent resident visa. Nominees approved under this
program may become permanent residents of Canada, subject
to approval by the federal government after health, criminality
and security reviews. The program is made possible through a
federal-provincial agreement.
What are the benefits of the Nova Scotia Nominee Program?
The Nova Scotia Nominee Program is generally a more
accelerated application process for immigration. The federal
government through Citizenship and Immigration Canada
(CIC) attempts to process Nova Scotia provincial nominees as
quickly as possible. While processing times will vary among
federal immigration categories, processing times on average are
significantly less for provincial nominees than for applications
through the other federal classes of immigrants. The Nova
Scotia Office of Immigration allow applicants and Nova Scotia
employers direct access to our friendly expert staff.
How does the NSNP work?
The NSNP is the first step in a two-step application process for a
permanent resident visa to Canada.
STEP ONE
Apply to the Province under the NSNP:
If a potential immigrant decides that he/she wants to settle
and work in Nova Scotia, then he/she should review the NSNP
categories to see if he/she meets the criteria set by the province
for nomination. The applicant must complete a NSNP application
and attach copies of all supporting documentation, as well as
appropriate federal application documents and forward the
complete application package to the Nova Scotia Office of
Immigration. If the applicant is approved by the Nova Scotia
Office of Immigration as meeting the NSNP selection criteria, a
Letter of Nomination is issued, and Citizenship and Immigration
Canada (CIC) is advised of the nomination.
STEP TWO
Apply to a Citizenship and Immigration Canada visa office:
If the applicant receives written notification of his/her
nomination, he/she must then submit the NSNP and federal
immigration application package directly to Citizenship and
Immigration Canada (CIC) within six months of nominee
certificate issuance.
How to Get Additional Information on the Nominee Program?
Please contact the:
Nova Scotia Office of Immigration
1741 Brunswick Street, Suite 110A
PO Box 1535, Halifax, Nova Scotia, Canada B3J 2Y3
Tel: Fax: 1-902-424-7936
Email: [email protected]
www.novascotiaimmigration.ca
Nova Scotia Nominee Program
EMIG
RATI
ON
UK or US citizen can visit Canada usually for up to six
months without a visa and possibly extend this stay from within Canada. CBSA border staff will have to be convinced of a ‘visitor’s’ intention to leave Canada within this timeframe (unless possibly in process for residency).
For most families moving to Canada though, the move will be in conjunction with either full residency status or through a Work Permit. The Immigration governing body in Canada is Citizenship and Immigration Canada (www.cic,gc.ca) and detailed immigration information including current immigration streams can be found on the CIC website.
Each Province will also have some limited Immigration streams and in Nova Scotia for example, this will include Community Identified and Skilled Worker Streams (www.novascotiaimmigration.ca); all applications whether they are Provincial or Federal will always be processed at some point on a Federal level.
Work PermitsWork Permits are a temporary permit to allow a recipient to live
and work in Canada; the permits are usually issued in conjunction with a validated job offer (Validated through a Labour Market Opinion through Service Canada). An ‘open’ work permit for a spouse and Study permits for children may also be applicable.
In most circumstances, a Work Permit will lead to a residency application either through Federal or Provincial streams, from within Canada. It should be noted that a Work Permit is often dependent on continuing employment with an employer who has arranged a LMO, which will be specific to the employer and the position of employment.
Medicals may be needed in certain occupations under a Work Permit.
ResidencyApplications for full Residency can be made through Provincial or Federal Streams; Federal Streams will normally include Skilled Worker, Family and Trade streams.
The Federal Skilled worker stream is a points based system, with points awarded for Age, Education, Canadian Experience and Language, along with other criteria. A Language test (IELTS) has to be completed prior to application. Police checks will also
be necessary along with a medical. Proof of Minimum Financial capital will also be required for a successful application. Timelines vary but expect a full application process to take between 1-3 years depending on current wait times.
A new ‘Trades’ application stream is proposed and either a validated job offer or equivalency of Trade skills required. In many cases this will be an Inter Provincial ‘Red Seal’ trade qualification (www.red-seal.ca)
Once residency is achieved, this can be retained by spending at least 2 years out of 5, physically in Canada.
CitizenshipCitizenship can be applied for once an applicant has spent 3 years physically in Canada; the process can take between 1-2 years. A UK citizen can hold both UK and Canadian Citizenship and hold both sets of passports.
DocumentationA Social Insurance card is required for an employee to be able to work in Canada. This can be issued to new immigrants with either Work Permit or Full residency status.
The legal Drinking age in Nova Scotia is 19
EMIGRATIONA
. THE RELOCATION GUIDE 32
© Howard Sandler | Dreamstime.com © Howard Sandler | Dreamstime.com
PETS
CAN I TAKE MY PET WITH ME?If you own a cat or dog the answer in principle is YES. Additionally most other types of domestic animals including pet rabbits, guinea pigs, birds, snakes, tortoises and mice are permitted for importation into Canada.
Pet birds and tortoises have to meet specific conditions for entry into Canada including an Import Permit, the full details of which can be found on the Canadian Food Inspection Agency website www.inspection.gc.ca
Cats and dogs do not require an import permit and under normal circumstances neither are they subject to quarantine restrictions.
Eligibility guidelines vary from country to country and species, but taking the UK as an example your pet will need to have:-
a) Been resident in UK for a period of six months or since birthb) Not been under quarantine restrictionc) to be at least 10 weeks old at the time of export
Pets are not required to be micro chipped, although this is advisable.
Before leaving the UK it is recommended that your pet’s general vaccinations are up to date, the details of which will need to be recorded by your veterinarian onto your pet’s Export Health Certificate, which will be issued by AVHLA (previously known as Defra). A rabies vaccination is not required but recommended. If your Pet has been vaccinated against rabies it will require to be accompanied by a General Health Certificate sometimes referred to as a “Fit to Fly Certificate” which will be issued by your veterinarian.
A Pet Passport is not required for entry
into Canada, but if you feel your pet may return to the UK, then you may wish consider obtaining one, although this is no longer a requirement. Due to a change of UK Quarantine Rules effective Jan 2012 your pet will no longer be required to undergo a mandatory six month period in quarantine provided that it has met the UK entry requirements.
Whilst not prohibited from importation into Canada, certain breeds of dog are not acceptable for carriage by some airlines.
In addition to the above certain breeds of Brachycephalic Animals (snub nosed) are not accepted for travel by certain airlines. These include Bulldogs, Pugs and Pekinese. For more information please check with Transfur at www.transfuranimals.com
Your pet must travel in an airline approved travel container which has to conform to IATA (International Air Transport Association) standards. The travel container must be of a sufficient size so as to allow your pet to stand up, lie down, sit up and turn around inside it.
Most airlines require pets to travel as manifested cargo. Nova Scotia is served by many international airlines some of whom will require your pet to undergo a transfer procedure at intermediate points en route. It is recommended where possible that direct flights are utilised thus reducing the effects of any stresses and strains the journey may place upon your pet. It also minimises the risks of your pet missing connecting
flights and remaining in en route airports for extended periods of time.
Sedation of pets is not recommended by most veterinarians as their effects at altitude can be unpredictable. It is highly recommended that you consult with your veterinarian before administering any type of sedative or tranquilliser.
The cost of transporting your pet very much depends upon it’s size and the size of travel container it will require. Almost certainly you will be paying for the amount of space your pet’s travel container occupies on the aircraft and not it’s weight.
Whilst it is possible for you to undertake the many necessary procedures required to arrange the transportation of your pet to Canada, increasingly airlines are not prepared to deal directly with members of the public and therefore you may wish to consider making use of a Pet Relocation Service.
Transfuris one of the UK’s leading Pet Relocation companies and a member of IPATA (International Pet and AnimalTransport Association). Transfur is well versed in arranging pet relocation and by putting your pet’s transportation needs into their capable hands not only will you relieve yourself of the stress and strain of the exercise, it will allow you to concentrate upon the other important aspects of your move to Nova Scotia.
For further information in transporting your pet to Canada please contact Andy Symons at www.transfuranimals.com or tel. +44 (0) 1403 212900
Municipal elections in Halifax are held every 4 years on the third Saturday in October.
Relocating your Pets to Canada
. THE RELOCATION GUIDE 34
Apply now.
HALIFAX GRAMMAR SCHOOL
945 TOWER ROADHALIFAX, NS B3H 2Y2
www.hgs.ns.ca
Established in 1958, Halifax
Grammar School is the leading
independent,
co-educational day school in
Atlantic Canada.
From Junior Primary through Grade
12, Halifax Grammar School inspires
and supports students to fl ourish,
to learn and to serve through a
balanced curriculum of academics,
athletics and the arts.
EDU
CATI
ON
ova Scotia has more than 450 public (state) schools for
children. The public system runs from Primary through to Grade 12. There are also some private schools in various areas of the province. Children usually start school (September) in the year they turn 5 years old [cut off December 31st].
All Canadians under the age of 20 are entitled to free education up to the end of secondary school. The Government of Nova Scotia provides free schooling from kindergarten through to Grade 12, available in both English and French. As with other jurisdictions in Canada, all teachers in Nova Scotia’s public education system have a university degree as well as advanced teacher training, and follow a provincially regulated curriculum.
There are many private pre-school centres for children prior to commencement of school (daycare). Some parents in Nova Scotia may opt for home schooling.
The attendance of a particular school is governed by the area in which you live and the local school catchment area. It is mandatory for children to attend school until the age of 16 years.
Children may opt to take the International Baccalaureate which is a two year program. Not all high schools offer this as an option. Most Public schools do not require the wearing of a school uniform.
Most areas in Nova Scotia operate a 3 school stage system
1. Elementary School: 5-11 years2. Middle School/Junior High: 12-13 years3. High School: 14-18 yearsGraduation is a 3 year program (Grades 10-12) dependant on the school.
Children are transported to school by the Yellow School Bus; collection points are usually within a short walking distance. It is worthwhile checking to see where you choose to live is on a bus route. The school bus is usually available for children whose home is more than 2.4Km (Elementary) or 3.6Km (Secondary) from the school.
There are comprehensive websites on all schools within Nova Scotia. Extensive information is available on the facilities and individual schools in and around Halifax Regional Municipality at: http://www.hrsb.ns.ca
You can check out, online, the annual reports which are now mandatory for all schools to publish.
Nova Scotia has a comprehensive system of post-secondaryeducation consisting of universities, technical colleges and apprenticeship programs. Nova Scotia’s post-secondary education facilities offer a full range of programs through its 11
universities and colleges, and 13 professional colleges. Some of the province's degree-grantinginstitutions are highly specialized, others offer a broader range of undergraduate and graduate programs.
FeesAs a general rule, if you or your child wishes to study at any of the university/post secondaryinstitutions and you do not have permanent residency/ citizenship, the tuition fees, on average, may be double that of a student who has PR/ Citizenship and the student will be known as an International undergraduate/graduate.
A very progressive organization is the Nova Scotia Community College (NSCC). This offers a great alternative to degree-granting institutions. As a new immigrant, it may offer a springboard to achieve a Canadian qualification in your chosen field.
http://www.nscc.ca
N
Educationin NovaScotia
. THE RELOCATION GUIDE 36
TAX
Personal exemption for travel outside Canada, of more than 48 Hours is $800 (including Alcohol and Tobacco)
hinking about moving to Nova Scotia? The following is some
basic Canadian tax information that, as a new immigrant to Canada and to Nova Scotia, you will need to know:
• Income taxes are assessed in Canada based upon being resident in Canada for tax purposes – which basically means that you have established Canada as your home. If you move your family here, purchase or rent a home or apartment, and begin to establish ties into the community; you have likely become a resident for tax purposes.
• Residency for tax purposes is not defined the same as being a Permanent Resident of Canada.
• As a Canadian resident, you will be subject to both federal and provincial taxes. These income taxes will be based upon your worldwide income.
• Any income earned outside of Canada before you become a resident for tax purposes will not be subject to taxes in Canada.
• In Nova Scotia the federal and provincial income taxes are administered on a single tax return by the Canada Revenue Agency and are assessed on a calendar
year basis.
• Canada has a graduated tax rate system; therefore, the greater the income that is earned the higher the tax rate will be on that income.
• Every individual files their own individual income tax return that will report all of their income from all sources. As an employee your return and your taxes are generally due by the end of April following the year being reported. However, in certain situations you may qualify for an extension to file your income tax return.
• As an employee, you will have income taxes withheld at source by your employer. You will still be required to file a tax return to report this income; however, you may be able to claim certain deductions and tax credits to lower your overall taxable income and potentially get a refund back of these taxes withheld by your employer. Examples of these deductions and tax credits are union dues, medical expenses, charitable donations, certain employment expenses and contributions to private retirement savings plans to name a few.
• Canada has a tax treaty with the United Kingdom, therefore, if you are subject to tax in the U.K. on certain income, you will be able to claim the U.K. taxes paid as credits on your Canadian income tax return.
T
Courtesy of WBLI Chartered Accountants.
CanadianTax Information
. THE RELOCATION GUIDE 38
MO
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EMoney ExchangeMoving monies across borders will
often mean changing any capital at
the prevailing exchange rates. Many
families use the services of a Money
Exchange company as this will
provide them with both a specialist
company for foreign exchange but
also a better exchange rate than is
easily available through banks.
Most Foreign exchange companies
will offer an online account setup and
also experienced staff who can lead
you through the process of opening a
trading agreement. Opening an
account will normally not attract any
fees.
Money Exchange TipsCurrency broker or bank?
1. Currency brokers get you more for
your money than high street banks
when transferring currency abroad.
Because they trade currency in large
volumes, currency brokers can offer
rates that are up to 4% better than the
banks, and they tend to waive
commission and cover bank transfer
fees.
Dedicated contact
2. When you open an account with a
currency broker you are allocated a
dealer who deals with you personally.
Your dealer will not only strive to get
the best exchange rate for all your
transactions, but they will ensure your
converted currency is transferred
securely to an overseas bank account.
Your dealer will handle your account
over the phone or via email.
3. Choose a currency broker early on
in the emigration process. It's best to
have everything in place early, to save
time later on and to take advantage of
favourable rate fluctuations.
Managing payments
4. The most straightforward
transaction a currency broker offers is
a spot contract. These are simple,
one-off transactions , usually required
with short notice - they are ideal for
moving start-up capital to your new
country or for deposit payments on a
property.
5. One of the most useful facilities
offered by currency brokers is the
forward contract, a type of 'buy now,
pay later' solution. Forward contracts
allow you to fix an exchange rate for
months in advance. Forward
contracts offer peace of mind and
allow you to budget safely. Generally,
a 10% deposit of the total amount to
be transferred is required.
6. Currency brokers also offer regular
payment schemes, which allow you
to transfer money at regular intervals
between the UK and abroad. To help
you budget, you will be able to fix
your rate of exchange for months in
advance. Regular payment schemes
are useful for making mortgage
payments, paying property
maintenance bills, transferring rental
income back to the UK or receiving
your UK pension abroad.
Competitive rates
7. Most currency brokers will offer
competitive exchange rates for
transactions of more than a certain
value; for example on amounts above
£2,000. However, your personal dealer
will discuss the most economical
route with you.
8. Currency brokers charge only a
nominal fee for electronic onward
payment. How much the fee is could
depend on the speed of settlement
required, as well as the destination.
Regulation and security
9. From November 2009 the money
transfer market has been regulated by
the Financial Services Authority (FSA).
This means currency brokers will have
to be registered with the FSA, and
operate within the FSA's 'conduct of
business' rules. More importantly for
consumers, currency brokers will be
answerable to the Financial
Ombudsman Service. This should
reassure consumers that currency
brokers are a safe, efficient alternative
to banks for transferring money
abroad.
10. When choosing which currency
broker to use, be sure that your
money will be held in a transaction
account that's separate and
identifiable from company funds. If
possible, check the company's credit
rating and how long it has been
trading.
The TV system in Canada is NTSC; region codes for DVD and Console games is Region 1.
. THE RELOCATION GUIDE 40
DRI
VIN
Gnce you move to Nova Scotia on a permanent basis your UK/
US or out of Province licence is valid for 90 days. UK or US licences can be exchanged for a Nova Scotia licence at any time. A standard eye test will be required. This licence lasts for 5 years and can be renewed online.
Driving licences are issued by the registry of motor vehicles at Access Nova Scotia locations.
It is a good idea to keep a copy of your UK paper licence as this will be the closest comparable to a Canadian ‘Abstract’.
The Nova Scotia equivalent of a UK MOT is the Motor Vehicle Inspection (MVI) which lasts for 3 years on a new vehicle and 2 years thereafter.
Vehicle Permits (Car Tax) is renewed every two years and is
usually dependent on the weight of the car, the tax sticker being attached to your rear licence plate. Your NS number plate will be yours to transfer when you change vehicle. Insurance is mandatory in Nova Scotia (Min third party).
A certificate of registration is your proof of ownership of a vehicle (and should be kept safely at home); your car Permit will get you your licence plate. Documentation is required to be kept with your vehicle, this includes Insurance and Permit .
You can legally drive a car in Nova Scotia from the age of 16 (with parental permission) under a graduated learning system. A motorbike licence will require a separate exam and cannot be transferred from your UK licence. Approved helmets must be worn.
It is illegal to use hand held mobile/ cell phones whilst driving.
Child safety booster seats are mandatory until a child is 9 (or over
4’9’’). A child seat is required for children under 40lb.
The speed limit on Urban or residential roads is 50Km/h unless otherwise stated.
Buying a CarVehicles are subject to HST. This also applies to second hand cars bought privately. HST is paid upon registration of the vehicle. Finance options are usually available through leases or purchasing agreements at dealerships. Finance options will require a credit check.
Most cars bought from a dealership will have a limited warranty and you will be offered extended Warranty options.
Toll BridgesThe two bridges separating Halifax from Dartmouth, across the Bedford Basin are toll bridges (Toll at time of print is 75c one way). A good idea is to apply for a Macpass (www.macpass.com)
DRIVING INNOVA SCOTIAO
. THE RELOCATION GUIDE 42
WEATH
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Basic Household Expenses for Homeowners
Property Tax – Assessed provincially and the rate set municipally, property tax is based on the assessed value of your property. This can be paid monthly in advance or every six months. Expect $3-5k per year.
Cable Services – Various providers offering TV/ Internet/ Home phone services, often as a bundle. Expect $120-200 per month (inc free local calls)
Electric/ Power – Nova Scotia Power is the only provider. Power usage billed every second month. Expect $150-200+ per month (depending on heating system)
Heating – Most houses will be heated by oil or electric radiators (Baseboards) but increasingly Air Source Heat Pumps and/ or Electric Thermal Storage are popular. Natural gas is rare although many houses will have propane gas service. Expect $200-400 per month
Insurance – Home Insurance based on various factors including cost of replacing or repairing home and contents. Expect around $800-1200 per year.
Halifax is in fact called HRM(Halifax Regional Municipality) and
incorporates both Halifax and Dartmouth.
THE WEATHER “It’s always cold out there”. Nova Scotia, it even sounds cold…
It may surprise you to know that in fact Nova Scotia is the warmest Canadian Province overall and is on the same latitude as Northern Italy. One word would describe the climate: Seasonal. Warm summers, snowy winters and beautiful mild autumns.
Average Temperatures in HalifaxSpring (April-June): 10°to 16°CSummer (July-September): 20°to 25°CAutumn/ Fall (October-November): 12°to 15°Winter (December-March): -2°to 1°CAnnual Rainfall is around 115cm.
. THE RELOCATION GUIDE43
wo main supermarket chains dominate the Halifax and Nova Scotia grocery sector
SobeysFounded over 100 years ago in Nova Scotia, Sobeys has over 300 stores in Canada. Stock based around grocery products, Sobeys is good for their bakery selection along with mainstream foods including Fresh Meat counters, deli and take outs.
Atlantic SuperstoreA Canadian superstore chain (Parent chain Loblaws) with 54 stores in the Atlantic region. Seen by many as more progressive than other major chains, their President’s Choice foods and expanding home ware and clothing sections make this the preferred choice for many new immigrants.
CostcoTwo large bulk buy superstores dominate this sector, one in Bayer’s Lake and the other at Dartmouth crossing. Costco Canada is not restricted to businesses. Meat especially is of the highest quality. A huge range of goods and services make Costco’s an essential element in balancing the family grocery expenses.
Pete’s FrootiqueA Unique fresh food and imported food store, of unparalleled quality. Imported foods from the UK attract a premium price but the range is exceptional. Fresh fruit and vegetables are of a superb quality as is the meat counter (including British Back Bacon!)
Pete’s also offer a discount card which gives 10% off every 10th transaction. Stores located in Halifax, Bedford and Wolfville (along with a thriving vineyard).
NSLCThe Nova Scotia Liquor Corporation has a near monopoly on any liquor sales in Nova Scotia; usually based around a large supermarket (alcohol is not available in the supermarket itself ). Prices are regulated and high but diversity is improving. NSLC also runs agency stores in areas unable to support larger NSLC stores.Prices displayed include tax. The legal age to consume or buy alcohol is 19 in Nova Scotia.Only 4 privately owned (and non regulated priced) stores exist in Nova Scotia.
Farmer’s marketThere are over 20 Farmer’s markets in Nova Scotia, the largest being in Halifax in the Waterfront district in a custom built arena. This market is open 4 days a week and offers a large choice of meats, cheeses and other delicacies.
Other Main StoresCanadian TireA very popular Canadian store combining goods from household, DIY, Sporting and camping along with its core car/ auto based services.
Wal-MartUnlike the US stores, Wal-Mart’s in Nova Scotia do not carry a large range of fresh goods; apart from this, they are very similar to US Wal-Mart’s. Prices are usually
competitive.
Future Shop/ Best BuyBoth part of the same chain, these stores carry all things electrical from TVs to computers, Fridges to IPods. Future shop staff are non commission based. Future shop is slightly higher end than Best Buy. (UK 2 NS discount 5-7%).
DIY storesThe three main stores for Do it Yourself are Home Depot, Rona and Kents.
Furniture shopsThese range from high end to standard and include Ashley Furnishings, The Brick, Gallery One (usually highest quality). Other stores to consider include Wheatons, La-Z-Boy and Nothing Fancy.
Tim’sUniquely Canadian Coffee shop with a ‘speak’ all to itself (Double/single, double/double etc). Good and fast service. Based around Coffee/ tea/ muffins etc. You’re never too far from a Tim’s to start the day. Always, always a queue due to its popularity.
ChaptersLarge book store with an interesting and cosy feel. Usually incorporates a Starbucks to enhance browsing. Stock and diversity of publications is extremely good.
Major Shopping AreasBayers Lake
Dartmouth Crossing
Halifax Shopping Centre
Mic Mac Mall
Sunnyside Mall
Shopping!
SHO
PPIN
G
. THE RELOCATION GUIDE 44
Contact: 001 902 860 0845 [email protected]
Your new Resume hosted online for employers in Atlantic Canada to view.
Digital resume to print, edit and download
Unique URL for your resume to send employers and use on Social Media
RESUMEEMPLOYMENT DATABASE UKTM
Online conversion to changeyour CV to a Canadian Resume automatically
www.reduk.ca
One Price. One Effective Solution
ost families moving to Canada will look to
employment as their main income source and securing a job(s) quickly or even prior to moving to Nova Scotia will be an utmost priority.
There are certain things that will aid your employment search.
Canadian RésuméA Canadian Résumé will differ in format, content and terminology to a British CV. A Canadian Résumé is fairly short, usually 2 pages maximum (you can always have a back up detailed longer Résumé if required). A CV in Canada is more frequently used by Lawyers, physicians etc.
A Canadian Résumé in essence is a promotional and work history document, that is more fluid than a CV so can change for different job applications. Content should include, as a starting point, a summary of your professional skills followed by a work history and also a section on your special skills and qualifications.
REDuk™ (www.reduk.ca) provides an easy, automated, online service to convert your own information into a Canadian Format.
RecruitersRecruiters may often have limited positions available to non-residents. This will change when an applicant has residency status and is physically in Canada. Many recruiters specialise in certain sectors such as Finance, engineering and IT.
Direct Contact With an EmployerMany employers will be open to direct contact through email and certainly meet skilled workers whilst on a trip to the province, with the right approach and the skills required. Often larger companies will have online application processes. It is important to be clear as to your timelines for moving, international contact details are correct and residency (or non residency) status are clearly identifiable.
M
A basic understanding of the work permit and Labour Market Opinion process is also advisable.
NetworkingThis cannot be overemphasised as a means of gaining employment in Nova Scotia and an open attitude will often elicit contacts very quickly when you first arrive; remember, many positions are not advertised!
Business needs talent. Talent needs opportunity. Both need the Connector Program. The Greater Halifax Partnership’s Connector Program is a simple yet highly effective networking program that connects local businesses and organizations with immigrants, international students and young and emerging talent. Through one-on-one meetings, Connectors meet with local talent to share knowledge of current labour market demands and promote their organization and industry, helping participants to build a professional network and improve their local job search. For more information visit www.greaterhalifax.com/connector.
EMPLOYMENTIN CANADA
EMPL
OYM
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. THE RELOCATION GUIDE 46
BlogsAnyone who has ever kept a journal will know how much it can help to catalogue your thoughts, feelings and experiences. Emigrating can be extremely stressful and is without doubt an emotional move. Why not turn your journal into a blog. There are so many ways you can share your blog, the most obvious of course being social media sites. You can create a following and connect to others expats as well. Alternatively, join a Blog to comment and interact on various subjects through an online conversation.
How Social Media Can Help Your Relocation
Other social mediaThere are of course many other social media sites that can be used. Pinterest, Google+,and MySpace, to name but a few.
Internet: Searching websites will probably be your main source of information. Don’t forget to use search engines that are specific to Canada such as Google.ca as this will help you find the sites you need easier, especially in terms of employers in Canada.
LinkedinThe place to be for professional networking. Promote your profile, your online resume and more. If applicable, populate your profile with links to your twitter and Facebook pages (for business) and of course a link to your website. Use to connect with other professionals, interact with businesses and seek out potential employment.
FacebookBy far the largest and most popular of the social networks. Facebook is one of the best ways to keep in touch with people. Send direct messages, share news, photographs etc. It’s a fantastic source of information when you find yourself in a new country. Find places to go, where to eat, shop, find a plumber! Whatever your need, you are likely to find it here.
TwitterHugely popular. A less intimate way to connect with others and whilst you can share pictures and links to videos etc, it’s largely used for short sharp bursts of conversation similar to the way we send text messages. Tweets are limited to 140 characters. It’s like the SMS for the internet. Connect with local services and people from your intended destination and keep up to date with what’s happening.
ForumsAnyone considering emigration has likely already found one or more of these online whilst searching their intended destination. There are many available and if you want to get involved in a community of like minded individuals or get answers to some of your burning questions then this could be the place for you to be. There are thousands of people within these forums who are happy to help. If you define your area, it’s also a great way to make new friends who may already live locally.
The way we communicate and source information today has evolved from how we did in the past. The internet, email and Social networking has transformed the
emigration market and the availability to connect with like minded people as well as accessing both information and shared experiences.
HOW SOCIAL MEDIA CANHELP YOUR RELOCATION
UK 2 Nova Scotia have an extensive social media presence, from Facebook and Twitter to a regular interactive blog on our website.
UK PensionYour UK state pension is based on the number of years you have paid National Insurance contributions up to full pension allowance of 30 years. So, for example, contributions of 15 years will give you half a full state pension. It should be noted that the amount received when first claimed is not index linked (unless you spend over 6 months in the UK).
You can still contribute to your UK State Pension even once you have moved to Canada by buying class 3 contributions.
Canadian Government Pension’sThe Canada Pension Plan (CPP) is a contributory, earnings-related social insurance program. It ensures a measure of protection to a contributor and their family against the loss of income due to retirement, disability and death.
There are three kinds of Canada Pension Plan bene�ts:
• disability benefits (which include benefits for disabled contributors and benefits for their dependent children);
• retirement pension; and
• survivor benefits (which include
the death benefit, the survivor's pension and the children's benefit).
The amount you pay is based on your salary. Half is paid by your employer and half by yourself. If you are self employed you pay both portions. Contributions are payable until the age of 70, until you receive your retirement pension or upon death. You are
eligible to receive the retirement pension payment from CPP as early as age 60.
An Old Age Security (OAS) pension may also be applicable if you are a resident or citizen and have lived in Canada for a minimum of 10 Years after the age of 18. OAS is paid from the age of 65 onwards. In order to receive full OAS you will have to have attained 40 years of residency in Canada between the
ages of 18 – 65. Work Pensions/Personal Saving PlansThere are various types of work pensions that are used in Canada. The most common forms of pensions are: Defined Benefit and Defined Contribution.
Many employers provide a Group Retirement Savings Plan. This is
typically a voluntary plan with the opportunity for the employer to match your contributions to a percentage of your salary.
There are various types of personal savings plans in Canada. Each plan has its unique features. The primary plans to consider are:
• Retirement Savings Plan (RSP)
• Tax Free Savings Account (TFSA)
• Non Registered
ALL ABOUTPENSIONS
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. THE RELOCATION GUIDE 48
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