14th print 2013 English cover 4/10/13 11:20 AM Page 1

OUTSIDE Front cover 14th print 2013 English cover 4/10/13 11:20 AM Page 3

POTENTIALP TO PROSPERITYP

TheTTh Potential to Prosperity webw site provides ininformation on credential rerecognition and licensing pprocedures for ininternationally educated pprofessionals looking to wwork in .

wwww.cfeep2p.com

BUILDING FUTURES IN CANADA

The Building Futures in Canada web site provides assistance to individuals who are considering Canada as a destination, are planning to come to Canada, or have recently arrived in Canada.

See videos of past immigrantsmigrants to CCanadaanada tetellinglling ththeireir ststories.oriess. There are links to a wide variety of websites that can help you.

www.buildingfuturesincanada.ca

110 Eglinton West, Suite 201 ■ Toronto, M4R 1A3 Tel: 416-968-2236 ■ Toll free: 1 (888) 570-7610 ■ Fax: 416-968-0488 Email: [email protected] ■ Web site: www.cfee.org

INSIDE Front cover i 14th printing 2013 4/25/13 2:25 PM Page i

Newcomers to Canada DayPlanner

Produced by

Written by Gary Rabbior

Contact Information Canadian Foundation for Economic Education 110 Eglinton Avenue West, Suite 201,Toronto, Ontario, Canada M4R 1A3 Phone: 416-968-2236 | Fax: 416-968-0488 Toll Free Number: 1-888-570-7610 E-mail: [email protected] | Web site: www.cfee.org

Our sponsors are pleased to support CFEE in providing you with this Newcomers to Canada DayPlanner. To find out more about the ® Scotiabank StartRight Program1 for Newcomers: visit startright.scotiabank.com/srpn

Printed in Canada © Canadian Foundation for Economic Education 2004 Revised Edition, 2013 Visit www.cfeedayplanner.com

® Registered trademarks of The Bank of . 1The Scotiabank StartRight Program, created for Canadian Landed Immigrants from 0-3 years in Canada, International Students and Foreign Workers. ii-x 14th printing 2013 4/10/13 10:26 AM Page ii

CFEE wishes to express its appreciation to the following individuals for their help and guidance in producing this DayPlanner. [Note that positions shown are those at the time of the original development of the DayPlanner]

Bob Cook Sandra Salesas Executive Director Conseillère d’orientation Canadian Technology Human Commission scolaire Marguerite- Resources Board (CTHRB) Bourgeoys

Robyn David Karamjit Sangha-Bosland Project Manager, Career Awareness Job Skills Specialist The Canadian Council for Human YMCA Employment and Community Resources in the Environment Services Industry (CCHREI) Jan Sheppard Kutcher Sareena Hopkins Employment Services Manager If you are a newcomer to Canada – or if you are considering Canada as your Co-Executive Director Metropolitan Immigrant Settlement new home – this DayPlanner has been designed for you. Its goal is to give Canadian Career Development Association (MISA) you quick and easy access to things yo Foundation here, such as: Al Sovani Justyna Jurczykowska Manager/Senior Business Consultant - b AIESEC Representative Community Business Resource - fi AIESEC Centre Centennial College Centre of - c Becca Leopkey Entrepreneurship - information about Canada’s health care system, education systems, and Project Manager, Communications and g Programming Tony Tavares - learning more about house prices, credit card rates, car leasing, dentists, Canadian Tourism Human Resource Consultant, ESL and International taxes, your rights and responsibilities in Canada, training programs, Council (CTHRC) Languages e Department of Education Danuszia Mordasiewicz and Training The focus of the Day Career Information Specialist career, and so on. But there is also some general information throughout that Human Resources Skills Development Althea Williams we think you will find useful. Skills Information Division Manager, Language and Innovations Citizenship and Immigration Canada We hope this Planner, and it companion web site, can help you.The Planner Audrey Rosa has a number of boxes on each page with some helpful information.The Career Practitioner/Counsellor Deborah Wolfe boxes have key themes.They are: for Newcomers Director Education, Outreach & Algonquin College Research Canadian Council of Professional Engineers (CCPE)

CFEE also wishes to note that the statistical information included in the “Did You Know” sections of the DayPlanner is based upon statistics provided by Statistics Canada.The web site for Statistics Canada is www.statcan.gc.ca.

ii ii-x 14th printing 2013 4/10/13 10:26 AM Page iii

r their shown

rite-

mmunity

g r If you are a newcomer to Canada – or if you are considering Canada as your ement new home – this DayPlanner has been designed for you. Its goal is to give you quick and easy access to things you need to know as you build a new life here, such as: onsultant - buying or renting a home, rce - finding a job, of - checking out your qualifications and credentials, - information about Canada’s health care system, education systems, and government programs, - learning more about house prices, credit card rates, car leasing, dentists, onal taxes, your rights and responsibilities in Canada, training programs, employers, starting a business, and common business practices. cation The focus of the DayPlanner is on economic matters such as money, a job, your career, and so on. But there is also some general information throughout that we think you will find useful. vations Canada We hope this Planner, and it companion web site, can help you.The Planner has a number of boxes on each page with some helpful information.The boxes have key themes.They are: ch & • Jobs & Business s onal • Careers • Money Matters • Government t e • Education & Training ovided • Did You Know…? n gc.ca. • Dates/Events/History iii ii-x 14th printing 2013 4/10/13 10:26 AM Page iv

If you are particularly interested in “job” information, you can browse through the Planner and review all of the available “job” information by looking at the same box on each page. Many of the information boxes refer to helpful web sites.To help you link to these sites, we have developed a “Newcomers to Canada” web site as a companion to this Planner.To get to any link mentioned, simply go to the Planner’s web site at www.cfeedayplanner.com. Once there, go to the “Links” section and click on the number for the link you want to reach. It will take you to the information you need.The web site also provides additional infor- mation, help, and contacts.

Using the DayPlanner

The DayPlanner has been designed to let you set the start date.This means you will need to enter the day and date on each page. There is a section in the front for you to record personal information as well as space to list some key contacts and their numbers. Use the DayPlanner to record your meetings, appointments, contacts, events, “to do lists,” and so on for each day. Look through the Planner to see the information available and what is most useful to you. Who Produced this DayPlanner The DayPlanner was developed by the Canadian Foundation for Economic If you read about a web site you’d like to visit, simply note its reference Education (CFEE), a number.Then go to the Planner’s web site at www.cfeedayplanner.com, CFEE works with schools and educators, governments, businesses, and click on the “Links” section, select that number, and you’re there! other organizations to try to help build a successful future. Note that some key information is listed in the back of the DayPlanner. You can contact CFEE directly at: A list of this information is on page xi. Address: 110 Eglinton Avenue West, Suite 201 There is also more information available to you on the DayPlanner’s web site. T Use this DayPlanner in whatever way is helpful to you. Make it yours. Phone: 4 Fax: 4 We hope the DayPlanner helps you as you build a new life in Canada. So, E-mail: m “Welcome to Canada.” We hope your life here is happy, healthy and successful. Web Site: w We have also developed three other web sites to assist newcomers: Building Future Potential to Prosperity (P2P) (h Adviser (h If you have any comments, questions, or suggestions for the DayPlanner, CFEE would love to hear from you.We hope this DayPlanner helps you to build a successful future iv ii-x 14th printing 2013 4/10/13 10:26 AM Page v

hrough g at the

ink e as a he “Links” l take a infor-

means n as well

, events,

most Who Produced this DayPlanner The DayPlanner was developed by the Canadian Foundation for Economic ce Education (CFEE), a not-for-profit, non-partisan, charitable organization. m CFEE works with schools and educators, governments, businesses, and other organizations to try to help Canadians build a successful future. r. You can contact CFEE directly at: Address: 110 Eglinton Avenue West, Suite 201 web site. Toronto, Ontario M4R 1A3 Phone: 416-968-2236 or toll-free at 1-888-570-7610 Fax: 416-968-0488 .So, E-mail: [email protected] u cessful. Web Site: www.cfee.org We have also developed three other web sites to assist newcomers: Building Futures in Canada (http://www.buildingfuturesincanada.ca), Potential to Prosperity (P2P) (http://www.cfeep2p.com), and The Virtual Adviser (http://www.virtualadviser.ca) If you have any comments, questions, or suggestions for the DayPlanner, CFEE would love to hear from you.We hope this DayPlanner helps you to build a successful future in Canada. v ii-x 14th printing 2013 4/10/13 10:26 AM Page vi

The Personal Information Page

Name: The Government of Canada provided funding and assistance to CFEE to produce the DayPlanner and the DayPlanner web site. CFEE would like to Address: extend our thanks to the Government of Canada for the support provided. Tel: The Canadian government is also interested in helping newcomers build a Fax: successful future here.The following are some key government web sites and E-mail: contact numbers where you can get information that can help you as you Place of Employment: begin a new life here. Work Number: 1. Government of Canada DOCTOR: Name: • Main Telephone Number: 1-800-O-Canada (1-800-622-6232) • TTY: 1-800-926-9105 T • Main Web Site: www.canada.gc.ca 2. Service Canada DENTIST: Name: • Main Telephone Number: 1-800-O-Canada T • TTY: 1-800-926-9105 • Main Website: www.servicecanada.gc.ca LAWYER: Name: 3. Citizenship and Immigration Canada T • Main Telephone Number: 1-888-242-2100 • TTY: 1-888-976-8502 INSURANCE AGENT: Name: • Main Web Site: www.cic.gc.ca T 4. Foreign Credentials Referral Office (Citizenship and Immigration Canada) • Main Telephone Number: 1-888-854-1805 BANK: Contact: • TTY: 1-800-926-9105 T • Main Web Site: www.credentials.gc.ca 5. Services for Newcomers to FINANCIAL A • Main Web Site: www.cic.gc.ca/new 6. Human Resources and Skills Development Canada’s Foreign Credential Recognition Program • Main Web Site: www.hrsdc.gc.ca/eng/workplaceskills/credential_recognition/index.shtml IMPORTANT DATES TO REMEMBER 7. Working in Canada Web Site Date Occasion • Email: [email protected] • Main Web Site: www.workingincanada.gc.ca 8. Information on Health Care in Canada (Health Canada/Santé Canada) • Main Telephone Number: 1-866-225-0709 • TTY: 1-800-267-1245 • Main Web Site: www.hc-sc.gc.ca vi ii-x 14th printing 2013 4/10/13 10:26 AM Page vii

Personal Information Page

Name: to e to Address: vided. Tel: u d a Fax: es and E-mail: you Place of Employment: Work Number: DOCTOR: Name: Telephone: Address: DENTIST: Name: Telephone: Address: LAWYER: Name: Telephone: Email: INSURANCE AGENT: Name: Telephone: fi Canada) Email: BANK: Contact: Telephone: Email: FINANCIAL ADVISOR: Contact: Telephone: dential Email: x.shtml IMPORTANT DATES TO REMEMBER Date Occasion

nada)

vii ii-x 14th printing 2013 4/10/13 10:26 AM Page viii

Before Coming to Canada • P We Recommend that You … t a 1. Do research on where you plan or hope to live in Canada. s Consider possible locations and compare them. The Building t Futures in Canada web site (www.buildingfuturesincanada.ca) can help • B you learn more about different cities in Canada as can the “Living a in Canada” web site www.cic.gc.ca/lctvac/english/index and the “Come c to Canada” web site www.cic.gc.ca/ctc-vac/cometocanada.asp w 2. Do research to see what languages are spoken in the area that you 6. Prepare and bring with you all the documents and paperwork plan to live in Canada. Canada has two official languages—English necessary for your career and your successful settlement (including and French. In some parts of Canada, French is more commonly reports and documents from college/university showing your spoken than English, particularly in the Province of . If accomplishments, degrees, or diplomas; your driver’s licence; English or French is not your first language, make use of your pre- your birth certificate; other licences or credentials. Check out departure time to improve your English or French speaking and www. listening skills. Learn about language training programs and 7. Choose a Canadian bank and begin to set up your financial assistance available in Canada.You can learn more about such management resources before you land in Canada. Canadian banks programs at the Building Futures in Canada web site. [Link #25] may be located in your home country. If so, you can contact them 3. Do research to learn more about working in Canada, such as what there and open an account. Or, if they are not, you can link to the kinds of jobs are in demand and where they are and which jobs sites of Canada’s major banking institutions by going to the web are “regulated” and require a licence or professional credentials. site of the Canadian Bankers Association. [Link #107] Check out The Working in Canada Tool can help you learn more about www. Canada’s labour market. www.workingincanada.gc.ca or [Link #23] 8. Learn 4. If you are a trained professional, do research to learn more about system, i how to get your professional credentials assessed and recognized. gov The Foreign Credentials Referral Office can help, as can the can use to learn about Canada prior to your arrival. Many links to Potential to Prosperity web site and the Working in Canada Tool. learn about Canada can be found on the Building Futures in www.credentials.gc.ca or [Link #154] Canada web site. [Link #25] 5. Try to learn more about your occupation and the workplace 9. Learn more about the wide range of sports, programs, schools, camps, culture in Canada. Sites like Settlement.org can help. [Link #23] and other experi • Learn about other work options or alternative career pathways if you have children. Most Canadian communities have programs set if you are unable to practice in your chosen field of work right up so that childre away. Make • Research employers and begin to correspond and apply for immunization records, and medical records—and note any allergies positions. The Building Futures in Canada web site and the to f Working in Canada Tool can help. [Links #25 and #23] 10. Identify and contact settlement agencies and organizations that • Learn about career and employment development options that help newcomers in Canada and see how they can help you.You are available in Canada such as mentorship programs, internship opportunities, programs where you can get work experience can find a list of some of these organizations on page 211. while in school or training, and bridging programs that help you to get Canadian work experience. viii ii-x 14th printing 2013 4/10/13 10:26 AM Page ix

• Prepare a presentation of your personal information, education, training, and work experience that can be used to help you to apply for employment. Do not make it too long, and try to make sure that it is well and clearly written and presented.You may want g to get some help if English or French is not your first language. an help • Begin to develop networks that can assist you upon arrival, such “Living as the professional associations that are related to your chosen e “Come career. Links can be found on the Building Futures in Canada web site. [Link #25] hat you 6. Prepare and bring with you all the documents and paperwork fi —English necessary for your career and your successful settlement (including mmonly reports and documents from college/university showing your ec.If accomplishments, degrees, or diplomas; your driver’s licence; fi our pre- your birth certificate; other licences or credentials. Check out n and www.cic.gc.ca/lctvac/english/index for more information. n 7. Choose a Canadian bank and begin to set up your financial ch management resources before you land in Canada. Canadian banks #25] may be located in your home country. If so, you can contact them h as what there and open an account. Or, if they are not, you can link to the h jobs sites of Canada’s major banking institutions by going to the web ntials. site of the Canadian Bankers Association. [Link #107] Check out ut www.cic.gc.ca/lctvac/english/index for more information on bank accounts. 23] 8. Learn more about Canada—its health care system, the education about system, its weather, its customs, its history, its government and gnized. government services, and so on. There are many web sites that you fi he can use to learn about Canada prior to your arrival. Many links to da Tool. learn about Canada can be found on the Building Futures in Canada web site. [Link #25] a e 9. Learn more about the wide range of sports, programs, schools, camps, #23] and other experiences that are available in your future community a hways if you have children. Most Canadian communities have programs set k right up so that children can participate in a wide range of youth activities. Make sure to bring your children’s birth certificates, school records, y for immunization records, and medical records—and note any allergies he to food or medication. 10. Identify and contact settlement agencies and organizations that ns that help newcomers in Canada and see how they can help you.You n ernship ience can find a list of some of these organizations on page 211. help

ix ii-x 14th printing 2013 4/10/13 10:26 AM Page x

x xi, xii, 1 14th printing 2013 4/10/13 10:27 AM Page xi 3p

Index of Where to Find Some Key Information * Please note that boxes indicated with an * throughout the DayPlanner have content particularly relevant to the Canadian Citizenship Test. Also, note that some text in the Dates/Events/History boxes is taken from, or based on * Please note that boxes indicated with an * throughout the DayPlanner have material in the Government of Canada’s content particularly relevant to the Canadian Citizenship Test. Also, note that found at www.cic.gc.ca/english/resources/publications/discover/index.asp some text in the Dates/Events/History boxes is taken from, or based on How to use the DayPlanner: iv material in the Government of Canada’s Discover Canada book, which can be found at www.cic.gc.ca/english/resources/publications/discover/index.asp Things to do before you arrive: v Topic: Page Reference: Career exploration and planning: How to use the DayPlanner: iv 3 Things to do before you arrive: viii, ix, 27, 37, 115 Finding a job: 3, 7, 9, 29, 31, 33, 35, 37, 39, 43, 45, 47, 49, 51, 53, 55, 57, 59, 61, 63, 65, 67, 6 Career exploration and planning: 3, 5, 13, 15, 19, 23, 25, 29, 39, 49, 59, 75, 215 Banking: 3 Finding a job: 3, 7, 9, 29, 31, 33, 35, 37, 39, 43, 45, 47, 49, Credential assessment and recognition: 51, 53, 55, 57, 59, 61, 63, 65, 67, 69, 71, 73, 7 75, 77, 79, 81, 83, 107, 108, 143, 155, 216 Rights and re Banking: 3, 9, 11, 13, 15, 17, 19, 21, 23, 25, 29, 31, 35, 37, 193, 236, 237 Starting a business: Credential assessment and recognition: 7, 11, 13, 15, 17, 19, 94, 102, 127, 135, 8 137, 139, 167, 220, 221

Rights and responsibilities: 113, 117, 119, 121, 123, 127, 140, 156, Health care i 218, 225, 226

Starting a business: 87, 123, 145, 170, 173, 187, 191, 193, 197, Help from the Government of Canada: 199, 201, 203, 205, 207, 209, 234, 235 v Health care in Canada: 70, 72, 74, 76, 78, 80, 89, 224 Help from the Government of Canada: vi, 9, 11, 13, 15, 21, 27, 33, 59, 62, 65, 66, 81, 85, 86, 89, 90, 91, 94, 95, 96, 98, 103, Credit cards and borrowing money: 104, 107, 108, 110, 111, 112, 114, 115, 3 116, 117, 119, 141, 160, 164, 168, 169, Language training: 179, 195, 210, 219, 223, 234 2 Credit cards and borrowing money: 39, 41, 83, 85, 99, 101, 238 Organizations helping new Language training: 21, 27, 67, 79, 81, 83, 129, 131, 211, 214

Organizations helping newcomers: 211, 220

xi xi, xii, 1 14th printing 2013 4/10/13 10:27 AM Page xii

2013

January February March J Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 2 12345 12 345 67 89 1 6 7 8 9 10 11 12 345 67 89 10 11 12 13 14 15 16 5 6 7 8 9 10 11 13 14 15 16 17 18 19 10 11 12 13 14 15 16 17 18 19 20 21 22 23 12 13 14 15 16 17 18 20 21 22 23 24 25 26 17 18 19 20 21 22 23 24 25 26 27 28 29 30 19 20 21 22 23 24 25 Fr Sa 27 28 29 30 31 24 25 26 27 28 31 26 27 28 29 30 31 23 910 April May June 16 17 Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 23 24 12 34 56 12 34 234 56 78 1 30 31 7 8 9 10 11 12 13 5 6 7 8 9 10 11 9 10 11 12 13 14 15 6 7 8 14 15 16 17 18 19 20 12 13 14 15 16 17 18 16 17 18 19 20 21 22 13 14 15 16 17 18 19 21 22 23 24 25 26 27 19 20 21 22 23 24 25 23 24 25 26 27 28 29 20 21 22 23 24 25 26 Fr Sa 28 29 30 26 27 28 29 30 31 30 27 28 29 30 12 8 9 August September 15 16 Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 22 23 12 34 56 1 2 3 1 2 3 45 67 1 29 30 7 8 9 10 11 12 13 4 56 78 910 8 9 10 11 12 13 14 6 7 8 9 10 11 12 14 15 16 17 18 19 20 11 12 13 14 15 16 17 15 16 17 18 19 20 21 13 14 15 16 17 18 19 21 22 23 24 25 26 27 18 19 20 21 22 23 24 22 23 24 25 26 27 28 20 21 22 23 24 25 26 Fr Sa 28 29 30 31 25 26 27 28 29 30 31 29 30 27 28 29 3 1 7 8 14 15 October November December O 21 22 Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 28 29 1 2 345 1 2 1 2 3 4 5 67 1 3456789 8 9 10 11 12 13 14 1 6 7 8 9 10 11 12 5 6 7 8 9 10 11 13 14 15 16 17 18 19 10 11 12 13 14 15 16 15 16 17 18 19 20 21 12 13 14 15 16 17 18 20 21 22 23 24 25 26 17 18 19 20 21 22 23 22 23 24 25 26 27 28 19 20 21 22 23 24 25 Fr Sa 27 28 29 30 31 24 25 26 27 28 29 30 29 30 31 26 27 28 29 30 31 1 78 14 15 Notes and Dates 21 22 28 29 xi, xii, 1 14th printing 2013 4/10/13 10:27 AM Page 1

2014 h January February March Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 2 1 789 12 34 1 2345678 14 15 16 5 6 7 8 9 10 11 2345678 9 10 11 12 13 14 15 21 22 23 12 13 14 15 16 17 18 9 10 11 12 13 14 15 16 17 18 19 20 21 22 28 29 30 19 20 21 22 23 24 25 16 17 18 19 20 21 22 23 24 25 26 27 28 29 26 27 28 29 30 31 23 24 25 26 27 28 30 31

April May June Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 1 678 12345 123 1234567 13 14 15 6 7 8 9 10 11 12 4 5 678910 8 9 10 11 12 13 14 20 21 22 13 14 15 16 17 18 19 11 12 13 14 15 16 17 15 16 17 18 19 20 21 27 28 29 20 21 22 23 24 25 26 18 19 20 21 22 23 24 22 23 24 25 26 27 28 27 28 29 30 25 26 27 28 29 30 31 29 30 ber July August September e Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 2 5 6 7 12345 3 4 5 67 89 1 2 3 456 12 13 14 6 7 8 9 10 11 12 10 11 12 13 14 15 16 7 8 9 10 11 12 13 19 20 21 13 14 15 16 17 18 19 17 18 19 20 21 22 23 14 15 16 17 18 19 20 26 27 28 20 21 22 23 24 25 26 24 25 26 27 28 29 30 21 22 23 24 25 26 27 27 28 29 30 31 31 28 29 30 ber October November December e Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa Su Mo Tu We Th Fr Sa 1 5 6 7 1 2 34 2 3 4 5 6 78 1 2 3 4 5 6 12 13 14 5 6 7 8 9 10 11 9 10 11 12 13 14 15 7 8 9 10 11 12 13 19 20 21 12 13 14 15 16 17 18 16 17 18 19 20 21 22 14 15 16 17 18 19 20 26 27 28 19 20 21 22 23 24 25 23 24 25 26 27 28 29 21 22 23 24 25 26 27 26 27 28 29 30 31 30 28 29 30 31

Notes and Dates 002-51 14th printing 2013 4/10/13 10:28 AM Page 2

Government Dates/Events/History The head of the federal National Flag Day government—the Prime National Flag Day is February 16. On this Minister—is the leader of day in 1965, the new Canadian maple leaf the political party that wins flag was raised over for the most seats in a federal election.To win a “majority,” the first time.This date is celebrated but a political party needs to is not a holiday for workers. win 50% of the 308 federal “seats.” Since there are more than two parties, a “minority” government is Money Matters possible. [DayPlanner web Parliament Buildings located on Parliament Hill, site – Link #241] See page Canadian currency . Canada’s national government is based in 210 for the Government Canada’s Ottawa, Ontario. Canadian flag tops the Peace Tower. of Canada web site.* coins include: Month: • the $2 coin (often called the “toonie”) • the $1 coin (often called the “ Monday Date: Tuesday Date: • the 25¢ coin (the quart • the 10¢ coin (the dime) • the 5¢ coin (the nickel).

Careers Planning a care Wednesday Date: Thursday Date: No one in Canada tells people what care or what job they will do. Each person must decide if he/she wants a career, and if so, it is best to make a plan. Career planning is encouraged in Canada and starts in school. Students are encouraged to explore career options, learn about different kinds of jobs, and identify the education and training needed.T provides videos and information on about 185 different occupations in Canada. h login.php. career planning and development. Check it out at Friday Date: Saturday Date: www.manitobacareerdevelopment.ca/CDI/ Jobs & Business Getting a job If you plan to work in Canada, you may not get a job in the same field or at the same level that you had in your home country.Tip: apply for a variety of different jobs at different levels when you arrive in Canada.You may hold several different jobs before Sunday Date: you find a job that is in your field.The non-regulated job market is an excellent place to begin your career in Canada.The “Working in Canada” tool provided by the federal go #184] http://www.workingincanada.gc.ca 2 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 3

Dates/Events/History Did You Know....? deral National Flag Day Canada has a public health care system Prime National Flag Day is February 16. On this known as “medicare.” It provides medical eader of day in 1965, the new Canadian maple leaf insurance for health care services to all y that wins flag was raised over Parliament Hill for Canadian citizens and permanent a federal residents.You must have a valid health “majority,” the first time.This date is celebrated but card and number to get eligible health eeds to is not a holiday for workers. 08 federal care costs covered. See page 224 for re are more information. arties, a nment is Money Matters Education/Training er web ee page Canadian currency The provincial/territorial rnment Canada’s currency is the Canadian dollar. Canadian governments in Canada e.* coins include: are responsible for public • the $2 coin (often called the “toonie”) school education, the years of schooling prior • the $1 coin (often called the “loonie”) to college and university. • the 25¢ coin (the ) Post-secondary education— • the 10¢ coin (the dime) colleges and universities— • the 5¢ coin (the nickel). is a shared responsibility between the provinces/ territories and the federal government. See page 227 for key education contacts. Careers Planning a career No one in Canada tells people what career they will have or what job they will do. Each person must decide if he/she wants a career, and if so, it is best to make a plan. Career planning is encouraged in Canada and starts in school. Students are encouraged to explore career options, learn about different kinds of jobs, and identify the education and training needed.The VECTOR website provides videos and information on about 185 different occupations in Canada. http://www.vector.cfee.org/english/ login.php. Manitoba has a website that can help you with career planning and development. Check it out at www.manitobacareerdevelopment.ca/CDI/

Jobs & Business Getting a job If you plan to work in Canada, you may not get a job in the same field or at the same level that you had in your home country.Tip: apply for a variety of different jobs at different levels when you arrive in Canada.You may hold several different jobs before you find a job that is in your field.The non-regulated job market is an excellent place to begin your career in Canada.The “Working in Canada” tool provided by the federal government can assist you in your job search. [DayPlanner web site – Link #184] http://www.workingincanada.gc.ca CFEE’s DayPlanner Web site: www.cfeedayplanner.com 3 002-51 14th printing 2013 4/10/13 10:28 AM Page 4

Government Dates/Events/History Canada has three levels of Every July in Collingwood, Ontario there government: federal, provincial is an “Elvis Festival” celebrating the life or territorial, and municipal. and music of Elvis Presley. Performers Canada is a federation with imitate Elvis and compete to win the title a parliamentary system of government.Those serving of “Festival Grand Champion.” There is a in government at the federal party and vendors sell Elvis mem- and provincial level represent orabilia. political parties that are voted into office by Canadians during elections. Municipal Money Matters politicians are elected by Pictured is the Rogers Pass that provides a passage voters and are not necessarily Insurance on your money through the Canadian Rocky Mountains bordering affiliated with political parties.* It is very and . institutions. Even if a financial institution did get into financial trouble, those that are members of the Month: Canada Deposit Insurance Corporation (CDIC) will Monday Date: Tuesday Date: insure the money you deposit in an account up to $100,000. Not all deposits are insurable. [DayPlanner web site – Link #109]

Careers Planning a care Wednesday Date: Thursday Date: Many programs, resources, and organizations in Canada provide help with career planning. Key sources to help with career information are the Sector Councils.The Sector Councils work to help ensure key sectors of our economy have the labour resources they need. Each Sector Council fo or sector of the economy.They provide career and industry information and resources. For a listing of Canada’s Sector Councils see pages 229–231. Friday Date: Saturday Date: [Dayplanner we Jobs & Business Occupational Fa Are you an internationally trained individual looking for guidance on foreign credential recognition in yo • understand the general re Sunday Date: • understand the steps that you can take while you are still in your home country • find the most reliable sources of information Visit www.credentials.gc.ca

4 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 5

Dates/Events/History Did You Know....? vels of Every July in Collingwood, Ontario there Canada’s national health insurance l provincial is an “Elvis Festival” celebrating the life program (Medicare) covers the cost of municipal. and music of Elvis Presley. Performers necessary hospital and doctor services. t on with imitate Elvis and compete to win the title It involves the health care plans of all y tem of e serving of “Festival Grand Champion.” There is a provinces and territories and aims to be the federal street party and vendors sell Elvis mem- equitable for all. Not all medical services epresent orabilia. or procedures are covered by public t are voted health care. fi dians M nicipal Money Matters Education/Training c ed by ecessarily Insurance on your money The federal government fi l It is very safe to keep your money in Canadian financial has a program (as of April institutions. Even if a financial institution did get into 2014) in some provinces financial trouble, those that are members of the to help people cover the Canada Deposit Insurance Corporation (CDIC) will costs of apprenticeship insure the money you deposit in an account up to and skilled trades training. $100,000. Not all deposits are insurable. [DayPlanner If interested, check out web site – Link #109] the Canada Job Grant. It may be able to help with up to $15,000 in assistance.

Careers Planning a career Many programs, resources, and organizations in Canada provide help with career planning. Key sources to help with career information are the Sector Councils.The Sector Councils work to help ensure key sectors of our economy have the labour resources they need. Each Sector Council focuses on a different industry or sector of the economy.They provide career and industry information and resources. For a listing of Canada’s Sector Councils see pages 229–231. [Dayplanner web site – Link #11]

Jobs & Business Occupational Fact Sheets Are you an internationally trained individual looking for guidance on foreign credential recognition in your profession in Canada? Occupational Fact Sheets can help you: • understand the general requirements you must meet to work in your profession • understand the steps that you can take while you are still in your home country • find the most reliable sources of information Visit www.credentials.gc.ca

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 5 002-51 14th printing 2013 4/10/13 10:28 AM Page 6

Government Dates/Events/History Canada has ten provinces New Year’s Day is January 1. Celebrations that differ significantly in begin on “New Year’s Eve.” People gather size. Each has its own to wish each other a happy and pros- government and Premier. perous coming year. People often party to celebrate the year past and the year Two are island provinces: ahead. Horns and other noisemakers are used at midnight to celebrate the “new and Newfoundland and year” and people often kiss, hug, and sing Labrador—both on the “Auld Lang Syne.” east coast. Canada also has three territories in Money Matters the North. Quebec is the Empress Hotel in downtown Victoria,British Columbia largest province, and New Bank account (B.C.).Victoria is the capital city of B.C. Brunswick is the only It is easy to open a bank account at one of Canada’s official bilingual province.* financial institutions. Most offer a variety of chequing and savings accounts.Ask your financial institution to Month: explain what account would be best for your needs Monday Date: Tuesday Date: and what the cost wo web sites that link to financial institutions. [DayPlanner web site – Link #107]

Careers Job titles Wednesday Date: Thursday Date: Job titles and descriptions can differ from country to country.What your occupation was called in your home country may be different than what it is called in Canada. Canada uses the National Occupational Classification (NOC) system to classify over two million job titles.T visit Day Occupational Classification website at www5.hrsdc.gc.ca/noc/english/noc/2006/welcome.aspx Friday Date: Saturday Date: Jobs & Business Recognition of your qualific In Canada, there are two types of jobs: regulated and non-regulated. Jobs that are regulated re Credentials Referral Office web site and use the Working in Canada Tool to find out Sunday Date: whether the job you want is regulated in the location where you plan to work and what organization to contact to get your credentials assessed. [DayPlanner web site – Link #154] or visit w

6 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 7

Dates/Events/History Did You Know....? ovinces New Year’s Day is January 1. Celebrations The ancestors of Aboriginal peoples are fi ntly in begin on “New Year’s Eve.” People gather believed to have migrated from Asia own to wish each other a happy and pros- many thousands of years ago. In the perous coming year. People often party to Premier. 1970s, the term began to celebrate the year past and the year ovinces: ahead. Horns and other noisemakers are be used.Today, about half of First Nations and used at midnight to celebrate the “new people live on reserve land in about n and year” and people often kiss, hug, and sing 600 communities while the other half on the “Auld Lang Syne.” live off-reserve, mainly in urban centres.* a also es in Money Matters Education/Training ec is the and New Bank account Council of Ministers only It is easy to open a bank account at one of Canada’s of Education, Canada (CMEC) fi ovince.* financial institutions. Most offer a variety of chequing and savings accounts.Ask your financial institution to There is a great deal of explain what account would be best for your needs information on Canada’s and what the cost would be. See page 236 for a list of education system available web sites that link to financial institutions. [DayPlanner from the Council of web site – Link #107] Ministers of Education, Canada (CMEC).This council brings together Ministers and Deputy Ministers from all jurisdictions to focus on Careers education issues. See page 227 for contact Job titles information. www.cmec.ca Job titles and descriptions can differ from country to or DayPlanner web site – country.What your occupation was called in your Link #208. home country may be different than what it is called in Canada. Canada uses the National Occupational Classification (NOC) system to classify over two million job titles.To learn more about your occupation, visit DayPlanner web site – Link #69 or the National Occupational Classification website at www5.hrsdc.gc.ca/noc/english/noc/2006/welcome.aspx

Jobs & Business Recognition of your qualifications obtained outside of Canada In Canada, there are two types of jobs: regulated and non-regulated. Jobs that are regulated require you to have a licence before you can begin work.Visit the Foreign Credentials Referral Office web site and use the Working in Canada Tool to find out whether the job you want is regulated in the location where you plan to work and what organization to contact to get your credentials assessed. [DayPlanner web site – Link #154] or visit www.credentials.gc.ca

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 7 002-51 14th printing 2013 4/10/13 10:28 AM Page 8

Government Dates/Events/History Canada’s federal government Valentine’s Day is required by law to pro- Valentine’s Day is February 14. It is a vide services throughout celebration dating back to the third Canada in English and century. People show their affection to French.Today, there are 18 those they love with gifts such as flowers million Anglophones (peo- and candy. This is not a holiday for workers. ple who speak English as a first language) and 7 million Francophones (people who speak French as their first Money Matters language). Capilano Suspension near , British is the only officially bilin- Bank account Columbia (B.C.).Vancouver is the largest city in B.C. gual province in Canada.* You can withdraw money from your account by using a debit card at an ATM – “Automatic Teller Machine” sometimes called an ABM – “Automatic Banking Machine.” Month: You can also write a cheque or use the serv Monday Date: Tuesday Date: teller – the person who helps the bank customers. There may be fees to take money out of your account with a debit card. Check and find out.

Careers Options and opportunities Wednesday Date: Thursday Date: Education and training is needed to pursue most care After that, the challenge is to find a job. Occupations may fit into diffe may work in many different sectors of the economy). Job seekers should be aware of this and consider how their talents and skills may fit into different areas of the workplace.

Friday Date: Saturday Date: Jobs & Business Planning to work in Canada? A The Newcomers Workbook helps internationally trained individuals who are considering mov information about living and working in Canada.Visit w Sunday Date: Also, Citizenship and Immigration Canada has a web site to help newcomers in many ways. It is called “Living in Canada” (w

8 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 9

Dates/Events/History Did You Know....? vernment Valentine’s Day When they came to Canada, many early w to pro- Valentine’s Day is February 14. It is a French fur traders and some English fur oughout celebration dating back to the third traders married First Nations women. and century. People show their affection to Their descendants are called the Métis e are 18 those they love with gifts such as flowers people. Most Métis live in Canada’s nes (peo- and candy. This is not a holiday for workers. prairie provinces and speak their own n lish as a dialect—Michif. * fi 7 million eople who heir first Money Matters Education/Training runswick fi y bilin- Bank account Service Canada Canada.* You can withdraw money from your account by using Service Canada provides a debit card at an ATM – “Automatic Teller Machine” help in finding all kinds sometimes called an ABM – “Automatic Banking Machine.” of schools located across You can also write a cheque or use the services of a Canada.You can visit their teller – the person who helps the bank customers. site at www.servicecanada. There may be fees to take money out of your account gc.ca or at DayPlanner with a debit card. Check and find out. web site – Link #209.

Careers Options and opportunities Education and training is needed to pursue most careers. After that, the challenge is to find a job. Occupations may fit into different sectors (for example, engineers may work in many different sectors of the economy). Job seekers should be aware of this and consider how their talents and skills may fit into different areas of the workplace.

Jobs & Business Planning to work in Canada? An essential workbook for newcomers The Newcomers Workbook helps internationally trained individuals who are considering moving to Canada or who have recently arrived. It will help you gather information about living and working in Canada.Visit www.credentials.gc.ca Also, Citizenship and Immigration Canada has a web site to help newcomers in many ways. It is called “Living in Canada” (www.cic.gc.ca/lctvac/english/index).

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 9 002-51 14th printing 2013 4/10/13 10:28 AM Page 10

Government Dates/Events/History The House of Commons Those elected to the Family Day is the third Monday of federal government are February in Alberta, Ontario, and Members of Parliament, or . It is a holiday for many MPs.They sit as members in the House of Commons in workers in those provinces. the Parliament Buildings in Ottawa.There are periods when the House of Commons is in session and members meet to consider, Money Matters debate, and vote on The Royal Canadian Mounted Police (RCMP) has a legislation proposed by the Bank account government. [DayPlanner “musical ride” that performs at events across Canada. web site – Link #243]* To open an account at a fin show personal documents (for example, passport, Social Insurance Number, driver’s licence). Financial Month: institutions may charge service fees for writing Monday Date: Tuesday Date: cheques, r Machines (ATMs), and so on. Check services and fees beforehand to know your bank can pro your fees as low as possible. [DayPlanner web site – Link 108]

Careers Foreign Credentials Referral Office Wednesday Date: Thursday Date: The Foreign Credentials Referral Office (FCRO) is part of Citizenship and Immigration Canada. It provides information, path-finding and referral services in foreign credential recognition to help foreign-trained workers succeed and put their skills to work in Canada more quickly. Visit www.credentials.gc.ca

Friday Date: Saturday Date: Jobs & Business Recognition of your qualific There are organizations that can assess your credentials to determine their Canadian equivalency. association or regulatory body before spending money on an assessment that may Sunday Date: not be required or accepted. Use the Working in Canada Tool to find out who you need to contact.Visit w DayPlanner we

10 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 11

Dates/Events/History Did You Know....? mons Family Day The first four provinces to join Confeder- he Family Day is the third Monday of ation as “Canada” in 1867 were Ontario, Quebec, Nova Scotia, and New Brunswick. are February in Alberta, Ontario, and Canada’s first Prime Minister was Sir John ament, or Saskatchewan. It is a holiday for many m mbers in A. MacDonald. Manitoba joined in 1870, mmons in workers in those provinces. BC in 1871, PEI in 1873, NWT in 1880, dings in in 1898, Saskatchewan and Alberta e periods in 1905, Newfoundland and Labrador in o 1949 and in 1999. sion and consider, Money Matters Education/Training on ed by the Bank account Public schools P anner 243]* To open an account at a financial institution you must Each Ministry or show personal documents (for example, passport, Department of Education Social Insurance Number, driver’s licence). Financial has a web site where you institutions may charge service fees for writing can learn a great deal cheques, receiving statements, using Automated Teller about education, and the Machines (ATMs), and so on. Check services and fees education system, in the beforehand to know which apply to you. Someone at province/territory where your bank can provide information on how to keep you live or are planning to your fees as low as possible. [DayPlanner web site – live.You can link to any Link 108] ministry or department of education site from DayPlanner web site – Careers Link #210 or the Council Foreign Credentials Referral Office of Ministers website at The Foreign Credentials Referral Office (FCRO) is part www.cmec.ca. See page of Citizenship and Immigration Canada. It provides 227 for a list of contacts. information, path-finding and referral services in foreign credential recognition to help foreign-trained workers succeed and put their skills to work in Canada more quickly. Visit www.credentials.gc.ca

Jobs & Business Recognition of your qualifications obtained outside of Canada There are organizations that can assess your credentials to determine their Canadian equivalency.There is usually a cost. Make sure you check with the professional association or regulatory body before spending money on an assessment that may not be required or accepted. Use the Working in Canada Tool to find out who you need to contact.Visit www.workingincanada.gc.ca and www.credentials.gc.ca or DayPlanner web site – Link #154.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 11 002-51 14th printing 2013 4/10/13 10:28 AM Page 12

Government Dates/Events/History Each level of government St. Patrick’s Day is March 17 and is a has certain areas of respon- provincial holiday in Newfoundland sibility.The federal govern- though not an official national holiday in ment’s major responsibilities Canada. It is a celebration of St. Patrick, are defence, foreign policy, the patron saint of Ireland who is credited regulation of banking, postal service, criminal law, with bringing Christianity to Ireland. Many immigration, and citizen- people dress in green colours to celebrate ship.The federal govern- the day. Some cities have parades. ment shares responsibility with the provinces and Money Matters territories for agriculture produces large quantities of wheat.The and immigration. [Day- Stop payment wheat is stored in grain elevators for shipping to markets. Planner web site – Link If you write a cheque, #244]* about paying, you can call your bank and put a “stop payment” on the cheque. So long as the cheque has Month: not “cleared” the bank, the bank can stop the payment. Monday Date: Tuesday Date: The bank charges a fe you bought a product that did not work when you got it home, a product that does wo

Careers The prov Wednesday Date: Thursday Date: help people assess their career interests, research career options, make career decisions, and develop a career plan.Y http://alis.alberta.ca/ec/cp/cpt/CAREERinsite.html

Friday Date: Saturday Date: Jobs & Business Recognition of your qualific Some professions, skilled trades, or apprenticeable trades require licensing or certification. Depending on the province or territory where you want to work, requirements may be different.Visit the Working in Canada website— Sunday Date: www.workingincanada.gc.ca— Credentials Referral Office (FCRO) will also be helpful. [w You may web site at w 12 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 13

Dates/Events/History Did You Know....? nment St. Patrick’s Day is March 17 and is a Canada’s Pacific coast province is British of respon- provincial holiday in Newfoundland Columbia.The Prairie provinces are Alberta, a govern- Saskatchewan, and Manitoba. though not an official national holiday in refers to Ontario and Quebec.The North onsibilities Canada. It is a celebration of St. Patrick, means the three territories: the Yukon, the gn policy, the patron saint of Ireland who is credited , and Nunavut.“Maritimes” k ng, with bringing Christianity to Ireland. Many refers to the three provinces of New minal law, Brunswick, Nova Scotia, and Prince Edward c tizen- people dress in green colours to celebrate Island.“Atlantic provinces” refers to those govern- the day. Some cities have parades. three plus Newfoundland and Labrador.* onsibility e and Money Matters Education/Training r culture [Day- Stop payment Public schools – Link If you write a cheque, and then change your mind Every Canadian commu- about paying, you can call your bank and put a “stop nity has free public school payment” on the cheque. So long as the cheque has for all children from not “cleared” the bank, the bank can stop the payment. kindergarten (at age 5) The bank charges a fee for doing this. If, for example, plus 12 years of schooling. you bought a product that did not work when you got Many communities offer it home, you might want to stop payment until you get junior kindergarten a product that does work. starting at age 4. Schools with grades up to 6 or 8 are often referred to as elementary schools. [DayPlanner web site Careers – Link #211] The province of Alberta has developed a website to help people assess their career interests, research career options, make career decisions, and develop a career plan.You can check out “CAREERinsite” at http://alis.alberta.ca/ec/cp/cpt/CAREERinsite.html

Jobs & Business Recognition of your qualifications obtained outside of Canada Some professions, skilled trades, or apprenticeable trades require licensing or certification. Depending on the province or territory where you want to work, requirements may be different.Visit the Working in Canada website— www.workingincanada.gc.ca—for more information.The website of the Foreign Credentials Referral Office (FCRO) will also be helpful. [www.credentials.gc.ca] You may also wish to check out the help available on CIC’s “Come to Canada” web site at www.cic.gc.ca/ctc-vac/cometocanada.asp. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 13 002-51 14th printing 2013 4/23/13 10:09 AM Page 14

Government Dates/Events/History Your community will have Investor Education Month is celebrated an elected Member of every April throughout North America. Parliament (MP) repre- The Investor Education Month campaign sentative.The member will have a local office.There promotes investor awareness and will be times when your MP understanding. November is financial will be there and you can literacy month in Canada. arrange to meet with him or her.You can send letters or e-mails to your MP if there are issues that concern you. Locate your Money Matters MP’s office in the phone Many Aboriginal Canadians celebrate their heritage. book or through the Banking: Questions or complaints Internet. [DayPlanner web Some are pictured here at the Stampede. site – Link #244] If you hav financial institution, first speak with someone at the institution. See if they can help. If not, get tips on “how Month: to complain” by contacting the Canadian Bankers Monday Date: Tuesday Date: Association. [ Link #110]

Careers Getting started with care Wednesday Date: Thursday Date: One of the biggest questions in planning a career is deciding where suggestions about getting start web site – Link #14 for more information. Keep in mind that “ “passion” fo important to your happiness and success.The University of Waterloo has a resource to help with career decision making.You can check it out at www.careerservices.uwaterloo.ca/resources/ Friday Date: Saturday Date: CareerDecisionMaking.pdf Jobs & Business Recognition of your skills: Q Employers may ask for evidence, a record, or an assessment of your professional and academic qualific education and qualifications with you to Canada. Also, make sure you bring the Sunday Date: addresses and contact information of former employers so they can be used as references. [w

14 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 15

Dates/Events/History Did You Know....? ll have Investor Education Month is celebrated More than 80% of Canada’s population e of every April throughout North America. live in towns and cities that are within pre- The Investor Education Month campaign 250 kilometres of the U.S. border.The mber will fi There promotes investor awareness and U.S. borders Canada to the south.The n your MP understanding. November is financial United States is Canada’s largest trading you can literacy month in Canada. partner. w th him nd letters r MP if at e your Money Matters Education/Training fi hone t e Banking: Questions or complaints Public schools er web If you have a question or complaint about your Public schools offering financial institution, first speak with someone at the grades 7 to 9 or grades 7 institution. See if they can help. If not, get tips on “how and 8 are often referred to complain” by contacting the Canadian Bankers to as middle schools or Association. [www.cba.ca or Dayplanner web site – junior high schools. Link #110] Schools with grades 9 to 12 or 10 to 12 are often called high schools or secondary schools. Some may be called technical schools, vocational schools, or composite Careers schools depending on the Getting started with career planning types of courses and One of the biggest questions in planning a career is programs that they offer. deciding where to start. See page 215 for a few In Quebec, CEGEPs suggestions about getting started, or visit DayPlanner provide two or three web site – Link #14 for more information. Keep in years of schooling after mind that “doing what you love to do” and having a Grade 11. [DayPlanner “passion” for your work and career can be very web site – Link #212] important to your happiness and success.The University of Waterloo has a resource to help with career decision making.You can check it out at www.careerservices.uwaterloo.ca/resources/ CareerDecisionMaking.pdf Jobs & Business Recognition of your skills: Qualifications and credentials Employers may ask for evidence, a record, or an assessment of your professional and academic qualifications. Bring all papers, records, and references related to your education and qualifications with you to Canada. Also, make sure you bring the addresses and contact information of former employers so they can be used as references. [www.workingincanada.gc.ca or DayPlanner web site – Link #184]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 15 002-51 14th printing 2013 4/10/13 10:28 AM Page 16

Government Dates/Events/History Under legislation passed by April Fool’s Day Parliament, federal elections April Fool’s Day is celebrated on April 1. must be held on the third Monday in October every It is when people play practical jokes on four years following the most family and friends.This day is not a recent general election.The holiday for workers. Prime Minister may ask the Governor General to call an earlier election. Canadian citizens who are 18 years or older may run in a federal election.The people who Money Matters run for office are called Beef cattle is an important industry in Canada— candidates.There can be Cheques—clearing especially in western Canada. Pictured here are cattle many candidates in an When yo in Alberta. electoral district.* institution to transfer a certain amount of money to someone else. Once the cheque is cashed, it takes Month: about one day for the cheque to “clear”, that is, for the Monday Date: Tuesday Date: money to be transferred from your account to their account. Make sure you have enough money in your account to cov

Careers National Occupational Classific Wednesday Date: Thursday Date: in Canada Tool The NOC system is a framework used to help Canadians understand the approximately 80,000 occupational titles that represent the jobs in Canada’s labour market. Each job (or occupational title) is characterized by code that defin type and level of skill required for a particular job.The Working in Canada Tool allows you to obtain a detailed labour marke (containing job duties, skill requirements, wage rates, etc.) for a chosen location in Canada. [Visit w Friday Date: Saturday Date: or DayPlanner web site – Link #32] Jobs & Business The Pan-Canadian Fra of Foreign Qualific The Pan-Canadian Framework for the Assessment and Recognition of Foreign Qualifi- cations states that governments across Canada are working together towards better pre-arrival services, assessments that are fair, transparent, consistent and timely across Sunday Date: Canada, and improved workforce participation services for newcomers.These services will help internationally-trained workers put their training and knowledge to work sooner. Find out more about the Framework and what it means for you at: www.hrsdc.gc.ca/eng/workplaceskills/publications/fcr/pcf.shtml 16 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 17

Dates/Events/History Did You Know....? ssed by April Fool’s Day According to the 2006 Census, 6,186,950 foreign-born people lived in Canada. Not all lections April Fool’s Day is celebrated on April 1. h third foreign-born people who live in Canada have r every It is when people play practical jokes on English or French as their mother tongue. family and friends.This day is not a In the 2006 census, people reported their g the most mother tongue as: c on.The holiday for workers. • Chinese 18.6% • German 5.4% y ask the • Italian 6.6% • Tagalog 4.8% o call an • Punjabi 5.9% • Arabic 4.7% a adian • Spanish 5.8% 8 years or a federal p e who Money Matters Education/Training called can be Cheques—clearing Public schools n an When you write a cheque you are telling your financial is institution to transfer a certain amount of money to ultimately the respon- someone else. Once the cheque is cashed, it takes sibility of the provincial about one day for the cheque to “clear”, that is, for the and territorial govern- money to be transferred from your account to their ments. Schools and school account. Make sure you have enough money in your boards are operated by account to cover any cheques. the local municipalities with funding provided by the provincial or territorial government. Local school board or school district offices Careers coordinate the school National Occupational Classification and The Working activities in the local in Canada Tool community. The NOC system is a framework used to help Canadians understand the approximately 80,000 occupational titles that represent the jobs in Canada’s labour market. Each job (or occupational title) is characterized by a four-digit code that defines the broad occupational area and the type and level of skill required for a particular job.The Working in Canada Tool allows you to obtain a detailed labour market report based on your occupation (containing job duties, skill requirements, wage rates, etc.) for a chosen location in Canada. [Visit www5.hrsdc.gc.ca or DayPlanner web site – Link #32] Jobs & Business The Pan-Canadian Framework for the Assessment and Recognition of Foreign Qualification The Pan-Canadian Framework for the Assessment and Recognition of Foreign Qualifi- cations states that governments across Canada are working together towards better pre-arrival services, assessments that are fair, transparent, consistent and timely across Canada, and improved workforce participation services for newcomers.These services will help internationally-trained workers put their training and knowledge to work sooner. Find out more about the Framework and what it means for you at: www.hrsdc.gc.ca/eng/workplaceskills/publications/fcr/pcf.shtml CFEE’s DayPlanner Web site: www.cfeedayplanner.com 17 002-51 14th printing 2013 4/10/13 10:28 AM Page 18

Government Dates/Events/History Federal political parties Loonie and Toonie There are four major political In 1987, Canada replaced the one dollar parties at the federal level in bill with a coin—now called a “Loonie.” Canada: the Bloc Québécois, In 1996, the two dollar bill was replaced the Conservative Party, the by a coin—now called a “Toonie.” Liberal Party, and the .The Bloc Québécois has representa- tives only from the Province of Quebec. See page 240 for Money Matters a list of contact information for each of these parties. A popular tourist destination in Canada is Lake Louise Cheques—Not Sufficient Funds (NSF) [DayPlanner web site – Link If there i (pictured here) in Banff,Alberta. #246] a cheque you write, the cheque can “bounce.” If this happens, the bank will notify you that the cheque is Month: “NSF.” The bank will charge you a fee when the cheque Monday Date: Tuesday Date: bounces.T not have been paid, and may charge you an additional fee of their ow your cre an NSF cheque.

Careers Career counselling Wednesday Date: Thursday Date: Many organizations across Canada provide career counselling serv plan and mov research national, provincial/territorial, and local career counselling serv DayPlanner we is also a possible career area for those who are interested and willing to obtain the training. Career Professionals of Canada has a website for those interested in helping others with career development. Friday Date: Saturday Date: You can check this site out at w Jobs & Business Additional tra Before you take additional courses or training in Canada to improve your work- related qualific for advice.You want to make sure that you are spending your time and money wisely. Sunday Date: Visit the Working in Canada Tool web site for more information. www.workingincanada.gc.ca o

18 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:28 AM Page 19

Dates/Events/History Did You Know....? arties Loonie and Toonie The Inuit, which means “the people” in the r political In 1987, Canada replaced the one dollar Inuktitut language, live in small, scattered ral level in bill with a coin—now called a “Loonie.” communities across the Arctic.Their Québécois, In 1996, the two dollar bill was replaced knowledge of the land, sea and wildlife Party, the by a coin—now called a “Toonie.” enabled them to adapt to one of the t e New harshest environments on earth.About 65% The Bloc of the Aboriginal people are First Nations, p esenta- while 30% are Métis and 4% Inuit.* e Province ge 240 for Money Matters Education/Training f rmation parties. Cheques—Not Sufficient Funds (NSF) Public schools s te – Link If there is not enough money in your account to cover Teachers in the public a cheque you write, the cheque can “bounce.” If this schools require training happens, the bank will notify you that the cheque is and certification. Principals “NSF.” The bank will charge you a fee when the cheque and vice-principals who bounces.The person you wrote the cheque to will still are responsible for not have been paid, and may charge you an additional running individual schools fee of their own. Having a cheque bounce can hurt must have additional your credit rating (see page 101).Try to avoid writing training and qualifications. an NSF cheque. Schools across Canada vary quite significantly in terms of the number of students attending.There Careers may be some differences Career counselling in the courses and Many organizations across Canada provide career programs offered. counselling services.These organizations help people plan and move forward in their career path.You can research national, provincial/territorial, and local career counselling services and organizations by visiting DayPlanner web site – Link #16. Career counselling is also a possible career area for those who are interested and willing to obtain the training. Career Professionals of Canada has a website for those interested in helping others with career development. You can check this site out at www.careerprocanada.ca Jobs & Business Additional training or education Before you take additional courses or training in Canada to improve your work- related qualifications or credentials, ask a professional association or regulatory body for advice.You want to make sure that you are spending your time and money wisely. Visit the Working in Canada Tool web site for more information. www.workingincanada.gc.ca or DayPlanner web site – Link #184.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 19 002-51 14th printing 2013 4/10/13 10:28 AM Page 20

Government Dates/Events/History The Queen is represented Each year around April 10, the birth date in Canada by the Governor of Jack Miner, a pioneer in Canada’s General.The Queen and her conservation movement, Canada representatives primarily celebrates National Wildlife Week. have a ceremonial responsi- Canadians are encouraged to celebrate bility.The Governor General delivers the Speech from the our natural heritage and participate in Throne that is written by the conservation efforts. Prime Minister’s team in the House of Parliament.The Throne Speech describes what Money Matters the government hopes to Skiing is a popular winter sport in Canada—in western accomplish during the next Overdraft protection Canada (Rockies) and smaller ski hills in central and session of Parliament. [Day- Overdraft pro Planner web site – Link #247]* . case you write a cheque for more money than you have in your account.The bank will “clear” the cheque Month: but charge you interest on any “overdraft” amount that Monday Date: Tuesday Date: results.The bank will set a limit on your overdraft protection based on your credit rating.

Careers Canada has identifie Wednesday Date: Thursday Date: that are important in the workplace.The Office of Literacy and Essential Skills (OLES) website has helpful information fo literacy and essential skills. w workplaceskills/LES/index.shtml

Friday Date: Saturday Date: Jobs & Business Language Instruction for Newcomers The Gov community colleges and immigrant-serving organizations, offers free language training across the country to adult permanent residents. In most provinces, the name of the program is LINC. (In French, this program is known as CLIC, for Cours de langue pour Sunday Date: les immigrants au Canada.) LINC can also assess your current language skills to find out which training pro classes in yo

20 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 21

Dates/Events/History Did You Know....? esented Each year around April 10, the birth date The name “Canada” comes from the Governor of Jack Miner, a pioneer in Canada’s Huron-Iroquois word “kanata” meaning en and her conservation movement, Canada village or settlement, and the name was r marily celebrates National Wildlife Week. used by the early explorer Jacques esponsi- Canadians are encouraged to celebrate Cartier.The word Canada started or General h from the our natural heritage and participate in appearing on maps in the 1550s.* t en by the conservation efforts. eam in the ent.The cribes what Money Matters Education/Training opes to he next Overdraft protection Parents ent. [Day- Overdraft protection is a way of protecting yourself in Be aware that schools L nk #247]* case you write a cheque for more money than you encourage parents to have in your account.The bank will “clear” the cheque become involved in their but charge you interest on any “overdraft” amount that child’s school. Most have results.The bank will set a limit on your overdraft Parent Councils and protection based on your credit rating. organize parent meetings. There are often opportu- nities to volunteer for sports, school trips, and so forth. Contact your child’s school if you are interested in volunteering or if you Careers would like to meet with Canada has identified a number of “Essential Skills” your child’s teacher. that are important in the workplace.The Office of Literacy and Essential Skills (OLES) website has helpful information for those who would like to improve their literacy and essential skills. www.hrsdc.gc.ca/eng/ workplaceskills/LES/index.shtml

Jobs & Business Language Instruction for Newcomers to Canada (LINC) The Government of Canada, in cooperation with provincial governments, school boards, community colleges and immigrant-serving organizations, offers free language training across the country to adult permanent residents. In most provinces, the name of the program is LINC. (In French, this program is known as CLIC, for Cours de langue pour les immigrants au Canada.) LINC can also assess your current language skills to find out which training program would be best for you.To find out where you can take LINC classes in your area, go to the CIC website at www.cic.gc.ca/lctvac/english/index.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 21 002-51 14th printing 2013 4/10/13 10:29 AM Page 22

Government Dates/Events/History The provinces in Canada Mother’s Day are responsible for Mother’s Day is the second Sunday in education, health, natural May and is a day to show appreciation resources, property and for the “Moms” or “Mums” in your life as civil rights, and highways. well as those who serve as a mother-like Federalism allows different figure in the lives of others. provinces to adopt policies tailored to their populations, and gives provinces the flexibility to Money Matters experiment with new ideas There are still glaciers in the Canadian Rockies. and policies.* Certified cheques Pictured here is the Athabasca Glacier located in Some people will ask fo the Columbia Ice Fields. you have enough money to cover the cheque.To certify a cheque, write it in the normal way and take it to the Month: bank.The bank takes the money from your account Monday Date: Tuesday Date: immediately There is usually a fee for this service.

Careers VECTOR Wednesday Date: Thursday Date: VECTOR is an online resource that lets you view videos on 185 occupations in Canada. Each occupational profile describes the education and training needed, the skills and interests associated with the job, and the approximate salary earned. VECTOR also provides links to hundre help with info web site – Link #18] www.vector.cfee.org Friday Date: Saturday Date: Jobs & Business Skills for jobs To plan a career or to seek out a job in a specific line of work, it is important to know the skills that are the kinds of skills and training that are needed for different kinds of jobs. Sunday Date: www.vector.cfee.org o different occupations in Canada can be found on the National Occupational Classification we www5.hrsdc. 22 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 23

Dates/Events/History Did You Know....? Canada Mother’s Day The Acadians are the descendants of French o Mother’s Day is the second Sunday in colonists who began settling in the natural May and is a day to show appreciation Maritime provinces in 1604. During the war r y and for the “Moms” or “Mums” in your life as between Britain and France, 1755–1763, hways. well as those who serve as a mother-like more than two-thirds of the Acadians were s different figure in the lives of others. deported from their homeland. Despite this pt policies “Great Upheaval,” the Acadians survived and maintained their unique identity.* g ves fl bility to Money Matters Education/Training new ideas Certified cheques Parents and Guardians Some people will ask for a certified cheque to prove Schools schedule Parent you have enough money to cover the cheque.To certify Nights or Meet the a cheque, write it in the normal way and take it to the Teacher Nights to provide bank.The bank takes the money from your account parents and guardians with immediately and stamps the cheque as “certified.” a chance to meet with There is usually a fee for this service. teachers and discuss the progress of their child in school. Parents are highly encouraged to attend these meetings, which are often arranged at the time when report cards are Careers given out. Report cards VECTOR are usually given out two VECTOR is an online resource that lets you view to three times a year and videos on 185 occupations in Canada. Each occupational provide information to the profile describes the education and training needed, the parent/guardian on their skills and interests associated with the job, and the child’s progress in school. approximate salary earned. VECTOR also provides Other meeting times can links to hundreds of organizations in Canada that can be arranged by calling the help with information on jobs and careers. [DayPlanner school. web site – Link #18] www.vector.cfee.org

Jobs & Business Skills for jobs To plan a career or to seek out a job in a specific line of work, it is important to know the skills that are required.A number of web sites provide information about the kinds of skills and training that are needed for different kinds of jobs. www.vector.cfee.org or DayPlanner web site – Link #156. Information on the different occupations in Canada can be found on the National Occupational Classification web site of Human Resources and Skills Development Canada. www5.hrsdc.gc.ca/NOC/English/NOC/2011/Welcome.aspx. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 23 002-51 14th printing 2013 4/10/13 10:29 AM Page 24

Government Dates/Events/History Canada’s parliament has three parts: the Sovereign Victoria Day is the first Monday preceding (Queen or King), the Senate May 25. It is a statutory holiday through- and the House of Commons. out Canada. Originally celebrating the The Prime Minister selects the Cabinet ministers and is birth of Queen Victoria,today it is a responsible for the operations celebration of the birthday of the British and policy of the government. King or Queen. The House of Commons is made up of Members of Parliament elected by the Money Matters people. Senators are Many Canadians enjoy the parks and wilderness of appointed on the advice ATMs Canada. Canoeing is a popular activity and pictured of the Prime Minister.* Automatic T here are canoeists on a lake in Banff,Alberta. Banking Machines (ABMs) enable people to do “self- serve banking,” such as making deposits or withdrawing Month: money u Monday Date: Tuesday Date: transfer money from one account to another.Try to use ATMs that belong to your own financial institution. When you use another financial institution’s ATM, you usually have to pay extra fees.

Careers Service Canada has a we Wednesday Date: Thursday Date: help you explore careers. Its quizzes help you explore your career interests. Check these out at www.jobsetc. If you speak French and are looking to live and work in a Francophone community, Citizenship and Immigration Canada has a we communities in Canada. (www.cic.gc.ca/english/newcomers/francophone)

Friday Date: Saturday Date: Jobs & Business Human re Larger companies have human resource departments.These departments are responsible fo and experience that are needed.When seeking a job with a larger company, a person Sunday Date: will often write to and be interviewed by people from the human resources department of the company.

24 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 25

Dates/Events/History Did You Know....? t has Victoria Day The beaver is an official symbol of overeign Victoria Day is the first Monday preceding Canada as is the maple leaf, which is the Senate May 25. It is a statutory holiday through- featured on the Canadian flag. Maple Commons. out Canada. Originally celebrating the syrup and butter tarts are two foods e selects often seen as distinctly Canadian.* ters and is birth of Queen Victoria,today it is a operations celebration of the birthday of the British overnment. King or Queen. mmons is b rs of d by the Money Matters Education/Training a e dvice ATMs Canadians are encouraged s er.* Automatic Teller Machines (ATMs) or Automatic to respect religious Banking Machines (ABMs) enable people to do “self- differences. Schools will serve banking,” such as making deposits or withdrawing aim to recognize, and be money using debit cards.You can also use an ATM to sensitive to, religious transfer money from one account to another.Try to holidays and customs.Talk use ATMs that belong to your own financial institution. with your school’s When you use another financial institution’s ATM, you principal if you have usually have to pay extra fees. questions or concerns.

Careers Service Canada has a website called Job Bank that can help you explore careers. Its quizzes help you explore your career interests. Check these out at www.jobsetc.gc.ca/eng/toolbox/quizzes/quizzes_home.do If you speak French and are looking to live and work in a Francophone community, Citizenship and Immigration Canada has a web site with information on Francophone communities in Canada. (www.cic.gc.ca/english/newcomers/francophone)

Jobs & Business Human resource departments Larger companies have human resource departments.These departments are responsible for ensuring that the company has employees with the skills, knowledge, and experience that are needed.When seeking a job with a larger company, a person will often write to and be interviewed by people from the human resources department of the company.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 25 002-51 14th printing 2013 4/10/13 10:29 AM Page 26

Government Dates/Events/History There is a clear distinction in Father’s Day Canada between the head of state—the Sovereign—and the Father’s Day is the third Sunday in June head of government—the Prime and is a day to celebrate, and extend Minister, who actually directs thanks to, those who are “Dads” and the governing of the country. The Sovereign is represented those who serve as father-like figures in in Canada by the Governor the lives of others. General.The Sovereign appoints the Governor General on the advice of the Prime Minister, usually for five years. In each of the ten provinces the Sovereign Money Matters is represented by the Lieutenant Governor, who is appointed by Canada is a major producer of oil—especially in the Governor General on the ATMs or ABMs western Canada and off the east coast.An oil well and advice of the Prime Minister, To use an ATM or ABM, you will need a card from your drill is pictured above. also normally for five years.* bank.This card is called a client card or debit card.You also need a Personal Identification Number (PIN) to Month: use the card Monday Date: Tuesday Date: can use it without your permission. Make sure your PIN is a number you can easily recall.Without a PIN, you will not be able to use an ATM machine.

Careers Training, Careers and Workers Wednesday Date: Thursday Date: The Training, Careers and Workers site can be very helpful for anyone involved in career exploration and planning. It is full of information, links, and contacts. [DayPlanner web site – Link #20] or visit http://www.jobsetc.gc.ca/eng/

Friday Date: Saturday Date: Jobs & Business Learning English or Fre One of the most import French. Once you learn one or both of these languages, you will find it easier to get a job, to understand Canada and to commu French at school. Knowing both languages is strongly encouraged because bilingualism makes it Sunday Date: easier to integrate into Canadian society, especially into the labour force. The Gove colleges and immigrant-serving organizations, offers free language training across the country to adult permanent residents. Visit www. 26 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 27

Dates/Events/History Did You Know....? ction in Father’s Day The fur trade led many early explorers ead of across Canada and encouraged early —and the Father’s Day is the third Sunday in June the Prime and is a day to celebrate, and extend settlement. Canoes were used to navigate y directs thanks to, those who are “Dads” and rivers and to open up trade routes.This ountry. resented those who serve as father-like figures in expanded settlement further west across vernor the lives of others. Canada from the Atlantic shores. gn appoints a on the Minister, fi n each of e Sovereign Money Matters Education/Training e Lieutenant pointed by a on the ATMs or ABMs Public school Minister, To use an ATM or ABM, you will need a card from your School boards or districts fi years.* bank.This card is called a client card or debit card.You or divisions have elected also need a Personal Identification Number (PIN) to members who help run use the card. Keep your PIN secret so that no one else them.These individuals are can use it without your permission. Make sure your elected at the time of PIN is a number you can easily recall.Without a PIN, municipal elections. you will not be able to use an ATM machine. Anyone who is interested in running can arrange to be nominated and added to the list of candidates. Those elected usually serve a term of two years. Careers This is another way you Training, Careers and Workers can get involved in The Training, Careers and Workers site can be very education in Canada. helpful for anyone involved in career exploration and planning. It is full of information, links, and contacts. [DayPlanner web site – Link #20] or visit http://www.jobsetc.gc.ca/eng/

Jobs & Business Learning English or French One of the most important skills you will need to adapt to life in Canada is to speak English or French. Once you learn one or both of these languages, you will find it easier to get a job, to understand Canada and to communicate with your children, who will be busy learning English or French at school. Knowing both languages is strongly encouraged because bilingualism makes it easier to integrate into Canadian society, especially into the labour force. The Government of Canada, in cooperation with provincial governments, school boards, community colleges and immigrant-serving organizations, offers free language training across the country to adult permanent residents. Visit www.www.cic.gc.ca/lctvac/english/index. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 27 002-51 14th printing 2013 4/10/13 10:29 AM Page 28

Government Dates/Events/History Each provincial and territorial is a day to government has an elected celebrate the unique heritage, cultures and legislature where provincial contributions of First Nations, Inuit, and and territorial laws are passed. Métis people in Canada. June 21 was The members of the legislature chosen because of the cultural significance are called members of the of the solstice and because many Legislative Assembly (MLAs), Aboriginal groups mark this day as a time members of the National to celebrate their heritage. Assembly (MNAs), members of the Provincial Parliament Money Matters (MPPs), or members of the Canada’s prairie provinces—Alberta, Saskatchewan, House of Assembly (MHAs), Tax Free Savings Account (TFSA) and Manitoba—are major food producers.Wheat depending on the province or This is a new fields, such as this one in Saskatchewan, are common. territory.* living in Canada should consider.The money you save and invest can grow tax-free.The money you deposit Month: to a TFSA is not tax deductible.You can invest the Monday Date: Tuesday Date: money y investments. Learn more at DayPlanner web site – Link #103 or w

Careers Youth Canada is a we Wednesday Date: Thursday Date: explore career options. It helps with résumé writing, cover letters, interview skills and more. Check it out at www.youth.gc.

Friday Date: Saturday Date: Jobs & Business Finding a job: R When you apply for a job, many employers will want to see your résumé.A résumé is a brief document—usually your education, work experience, skills, abilities, and career objectives.There are many Sunday Date: different kinds of résumés and numerous web sites that provide advice and examples. Note that this will sometimes be referred to as a “C.V.” [DayPlanner we

28 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 29

Dates/Events/History Did You Know....? erritorial National Aboriginal Day is a day to Babies and small children must ride in e ected celebrate the unique heritage, cultures and properly installed “car seats” designed r vincial contributions of First Nations, Inuit, and and approved to protect them.When are passed. Métis people in Canada. June 21 was buying a child’s car seat, make sure it is e legislature chosen because of the cultural significance “approved.” of the of the summer solstice and because many y (MLAs), Aboriginal groups mark this day as a time onal to celebrate their heritage. members r ament Money Matters Education/Training s of the MHAs), Tax Free Savings Account (TFSA) Public schools rovince or This is a new saving and investing option that people Most schools have a living in Canada should consider.The money you save library or resource centre and invest can grow tax-free.The money you deposit that students and teachers to a TFSA is not tax deductible.You can invest the can use. Many have money you have in a TFSA in mutual funds, and other guidance or counselling investments. Learn more at DayPlanner web site – Link offices and services to #103 or www.tfsa.gc.ca help students. Most schools have one or more gyms or gymnasiums for athletic activities, and some have swimming pools. Do not hesitate Careers to talk with school Youth Canada is a website to help young people counselors if you think explore career options. It helps with résumé writing, they can help your child. cover letters, interview skills and more. Check it out at www.youth.gc.ca/

Jobs & Business Finding a job: Résumé (#1) When you apply for a job, many employers will want to see your résumé.A résumé is a brief document—usually one to three pages—that will provide a summary of your education, work experience, skills, abilities, and career objectives.There are many different kinds of résumés and numerous web sites that provide advice and examples. Note that this will sometimes be referred to as a “C.V.”– curriculum vitae. [DayPlanner web site – Link #157]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 29 002-51 14th printing 2013 4/10/13 10:29 AM Page 30

Government Dates/Events/History Municipal governments hold Every April 22, many Canadians join 500 elections usually every 3–4 million people from around the world in years. Candidates usually do staging events and projects celebrating not represent political Earth Day.The global festivity is the parties.The head of a largest, most celebrated environmental municipal government is called the Mayor or Reeve. event addressing local and international Councillors are elected to issues. sit with the Mayor on the municipal Council to govern. Municipal governments Money Matters provide most local services At the end of every summer, the Canadian National such as water, sewage, Line of credit Exhibition (CNE), pictured here, is held in Toronto for snowplowing, fire, police, and A line of cre public transit.* two weeks. account you have at a bank.Your bank pre-approves an amount of money that it is willing to loan to you.You Month: use the money from that loan account when you need Monday Date: Tuesday Date: to withdraw the bank.Whenever you use your line of credit, the bank charges yo Each month yo decide if you want to make any repayment of the loan.

Careers Apprenticeship T Wednesday Date: Thursday Date: The Canadian Apprenticeship Forum provides a wide range of information, help, and links for those interested in apprenticeship training in Canada. [DayPlanner web site – Link #22]

Friday Date: Saturday Date: Jobs & Business Finding a job: R When writing a résumé, try to emphasize your key skills and abilities.Avoid presenting yo won’t be able to do any of them well. Focus on what you do best. Sunday Date:

30 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 31

Dates/Events/History Did You Know....? nts hold Every April 22, many Canadians join 500 It is illegal in Canada to: very 3–4 million people from around the world in • hit your spouse; usually do staging events and projects celebrating • touch another person in a sexual way l tical Earth Day.The global festivity is the without the other person’s permission; of a largest, most celebrated environmental ment is • make unwanted sexual advances/ r Reeve. event addressing local and international comments in the workplace. e ected to issues. on the o govern. m nts Money Matters Education/Training services wage, Line of credit Public schools fi olice, and A line of credit is a way of borrowing money on an Students in kindergarten account you have at a bank.Your bank pre-approves an to grade 8 have little amount of money that it is willing to loan to you.You choice in the courses and use the money from that loan account when you need school programs that they to withdraw more than you have in your account at study.That is, most of the the bank.Whenever you use your line of credit, the curriculum that outlines bank charges you interest on the amount you borrow. what they will learn is Each month you pay the interest charges, but you compulsory, meaning that decide if you want to make any repayment of the loan. every student must take those subjects.After Grade 8, students have more choice.They can Careers choose from among course Apprenticeship Training options or “electives.” The Canadian Apprenticeship Forum provides a wide However, some courses range of information, help, and links for those are required or interested in apprenticeship training in Canada. compulsory even at the [DayPlanner web site – Link #22] higher grade levels.

Jobs & Business Finding a job: Résumé (#2) When writing a résumé, try to emphasize your key skills and abilities.Avoid presenting yourself as someone who can do many jobs.The employer may think you won’t be able to do any of them well. Focus on what you do best.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 31 002-51 14th printing 2013 4/10/13 10:29 AM Page 32

Government Dates/Events/History Canadian law secures the National Volunteer Week right to a secret ballot. A special time is set aside in the last This means that no one week of April to salute the millions of can watch you vote and volunteers who build and strengthen no one should look at how communities by donating their time and you voted.You may choose energy to fellow Canadians. to discuss how you voted with others, but no one, including family members, your employer or union Money Matters representative, has the The Fairmont Chateau Laurier in Ottawa is one of right to insist that you tell Direct deposit Canada’s oldest hotels and links to the days when rail them how you voted.* Some employ travel was a more common means of transportation. directly into their employees’ bank accounts.This makes deposits easy and fast for employees. It is called Month: direct deposit or payroll deposit.You can find out from Monday Date: Tuesday Date: your employer whether they will pay you by direct deposit or cheque.

Careers Labour Marke Wednesday Date: Thursday Date: The Working in Canada T your job search. It accesses information from six national labour marke report that is tailored to your occupation and to the city, town, o [DayPlanner web site – Link #23]

Friday Date: Saturday Date: Jobs & Business Finding a job: R A good résumé is important in helping you to find a job.There are many community organizations that help newcomers, and some offer free services to help prepare a résumé. Check to see if such services are available in your community. See Sunday Date: pages 216–218 for tips on job hunting.

32 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 33

Dates/Events/History Did You Know....? res the National Volunteer Week Bargaining is less common in Canada ballot. A special time is set aside in the last than in many other countries. People do no one week of April to salute the millions of not usually bargain when they are o e and volunteers who build and strengthen shopping in stores. However, people k at how communities by donating their time and often do bargain for the best price on ay choose energy to fellow Canadians. larger items such as a house or a car. ou voted no one, m mbers, r union Money Matters Education/Training a the t you tell Direct deposit Public school o ed.* Some employers arrange to deposit pay cheques The length of the school directly into their employees’ bank accounts.This day, as well as the length makes deposits easy and fast for employees. It is called of class periods, varies direct deposit or payroll deposit.You can find out from from school to school. your employer whether they will pay you by direct Some schools may start deposit or cheque. classes at 8:00 a.m., whereas others may not start until 8:45 a.m. Schools also end at different times. It is customary for teachers to be available at the end of Careers the school day if students Labour Market Information or parents wish to speak The Working in Canada Tool is a great place to start with them. It is a good your job search. It accesses information from six idea to call and arrange an national labour market databases and can produce a appointment if you wish report that is tailored to your occupation and to the to meet with your child’s city, town, or region where you want to settle. teacher. [DayPlanner web site – Link #23]

Jobs & Business Finding a job: Résumé (#3) A good résumé is important in helping you to find a job.There are many community organizations that help newcomers, and some offer free services to help prepare a résumé. Check to see if such services are available in your community. See pages 216–218 for tips on job hunting.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 33 002-51 14th printing 2013 4/10/13 10:29 AM Page 34

Government Dates/Events/History In elections, candidates Quebec , also known as Saint appeal to voters to try to Jean Baptiste Day, is celebrated on June 24. win their votes.To vote, a On this day, French Canadians honour their person must be on the patron saint, Saint Jean-Baptiste (John the official voters list as well Baptist).The province observes this legal as being a Canadian citizen holiday, (Fête Nationale des Québécois), and at least 18 years old with solemn ceremonies followed by lively on voting day. (Contact festivities and art and sporting events. your local government offices if you have ques- tions.) Voters on the voting Money Matters list will receive a notice in Stratford, Ontario, is home of the Stratford Festival the mail prior to the elec- Safety deposit box Theatre featuring plays by William Shakespeare—along tion telling them where Most banks re with others. they vote.* store small valuables and important papers.The box stays safely in the bank. For your protection, both keys Month: are required to open a safety deposit box.The bank Monday Date: Tuesday Date: will have a key and you will have a key.There is a fee for this service.

Careers Employability skills Wednesday Date: Thursday Date: The Conference Board of Canada has developed a summary of Employability Skills.These are the skills seen as important by employers when they consider hiring employ looking for work and is also useful in completing a per- sonal skills inv skills you have and can emphasize to possible employ- ers. [DayPlanner web site – Link #24]

Friday Date: Saturday Date: Jobs & Business Finding a job: I When you apply for a job, an employer who is interested will want to interview you to learn more about you, find out if you have the necessary experience and qualifica- tions, and compare you with others who are applying for the job. Competition to get Sunday Date: a job is very common.There are many different kinds of questions employers may ask.There are also some questions they cannot ask. See page 218 for a list of some of these. [DayPlanner web site – Link #158]

34 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 35

Dates/Events/History Did You Know....? ates Quebec National Day, also known as Saint Canada is sometimes called the “Great to try to Jean Baptiste Day, is celebrated on June 24. White North.” It is the second largest o vote, a On this day, French Canadians honour their country in the world, after Russia. o the patron saint, Saint Jean-Baptiste (John the Canada’s area is almost 10 million square fi s well Baptist).The province observes this legal kilometres. Canada consistently ranks in an citizen holiday, (Fête Nationale des Québécois), the top ten countries of the world for its e rs old with solemn ceremonies followed by lively ontact festivities and art and sporting events. standard of living and quality of life.* ment fi ques- the voting Money Matters Education/Training notice in the elec- Safety deposit box Public school where Most banks rent safety deposit boxes where you can Students who complete store small valuables and important papers.The box public school will receive stays safely in the bank. For your protection, both keys a graduation diploma or are required to open a safety deposit box.The bank certificate. Students in will have a key and you will have a key.There is a fee Canada are strongly for this service. encouraged to complete high school. Research has shown that students who do not complete high school struggle to find employment.After high school, most students go Careers on to college, university, or a training program of Employability skills some kind. Most jobs The Conference Board of Canada has developed a require some form of summary of Employability Skills.These are the skills “post-secondary” educa- seen as important by employers when they consider tion or training. hiring employees.The list is a good reference for those looking for work and is also useful in completing a per- sonal skills inventory, which involves identifying the skills you have and can emphasize to possible employ- ers. [DayPlanner web site – Link #24]

Jobs & Business Finding a job: Interviews When you apply for a job, an employer who is interested will want to interview you to learn more about you, find out if you have the necessary experience and qualifica- tions, and compare you with others who are applying for the job. Competition to get a job is very common.There are many different kinds of questions employers may ask.There are also some questions they cannot ask. See page 218 for a list of some of these. [DayPlanner web site – Link #158]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 35 002-51 14th printing 2013 4/10/13 10:29 AM Page 36

Government Dates/Events/History Human rights laws protect Canada Day the rights and freedoms of Canada Day is . Canada Day is a people living in Canada. statutory holiday throughout Canada and These rights and freedoms is a celebration of the day in 1867 when are important and are the first colonies of British North highlighted on the next America entered Confederation as the few pages. Human Rights of Canada. Commissions help to protect human rights. [DayPlanner web site – Money Matters Link #249]* The Château Frontenac Hotel is located in Québec Online banking City—the capital city of the province of Québec. Many Canadians do their banking online. secure, personal number from their bank that lets them access their account thro Month: view account balances, pay bills, transfer money, and Monday Date: Tuesday Date: more from a personal computer. Contact your financial institution for more information. Once again, be careful to protect your personal password to your online account so that no one can use it without your per- mission.

Careers The Building Future Wednesday Date: Thursday Date: The Building Futures in Canada web site provides infor- mation and links to help newcomers explore possible careers in Canada. It also links to a wide range of other sources of help. DayPlanner web site – Link #25.

Friday Date: Saturday Date: Jobs & Business Finding a job: I Often a person looking for a job will get an interview because of his or her résumé and qualifications.The interview enables the employer to find out more about your experience and qualifications.The employer will also want to find out more about Sunday Date: you as a person and whether you would be a good “fit” with the company.

36 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 37

Dates/Events/History Did You Know....? protect Canada Day According to Statistics Canada, as of edoms of Canada Day is July 1. Canada Day is a October 2012, approximately 35 million a ada. statutory holiday throughout Canada and people are living in Canada. More than reedoms is a celebration of the day in 1867 when half of Canada’s population lives in the are the first colonies of British North central region, and more than one third ext America entered Confederation as the of the population lives in the province of Rights Dominion of Canada. Ontario. p to ghts. ite – Money Matters Education/Training

Online banking Public school Many Canadians do their banking online.They get a The courses of study, or secure, personal number from their bank that lets them subjects, that students access their account through the Internet.They can take in school is referred view account balances, pay bills, transfer money, and to as the curriculum.The more from a personal computer. Contact your financial curriculum is the respon- institution for more information. Once again, be careful sibility of the provincial or to protect your personal password to your online territorial Ministry or account so that no one can use it without your per- Department of Education. mission. As a result, curriculum does differ across the country.Although courses of study have many simi- Careers larities, there are also significant differences.Yo u The Building Futures in Canada web site can review curriculum The Building Futures in Canada web site provides infor- through your province’s mation and links to help newcomers explore possible ministry or department of careers in Canada. It also links to a wide range of other education website. sources of help.Visit www.buildingfuturesincanada.ca or DayPlanner web site – Link #25.

Jobs & Business Finding a job: Interviews Often a person looking for a job will get an interview because of his or her résumé and qualifications.The interview enables the employer to find out more about your experience and qualifications.The employer will also want to find out more about you as a person and whether you would be a good “fit” with the company.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 37 002-51 14th printing 2013 4/10/13 10:29 AM Page 38

Government Dates/Events/History The Canadian Charter of In Newfoundland and Labrador, Canada Rights and Freedoms guar- Day is known as Memorial Day and is antees Canadians equal observed on the Monday nearest July 1. treatment under the law It commemorates the death of and equal protection and Newfoundlanders in the Battle of benefit of the law without Beaumont Hamel as part of the Battle of discrimination. It also guar- the Somme in World War I. antees them the right to participate in political activities, to vote, and to Money Matters be elected to political Each year at the Quebec Winter Carnival, there is a office. [DayPlanner web Credit cards canoe race across the ice floes in the St. Lawrence site – Link #250]* Credit card River. used to borrow money for purchases.The interest costs are Month: debt by the due date shown on the bill to avoid inter- Monday Date: Tuesday Date: est charges. Learn more about credit cards.Try to pay off credit card debts quickly since costs are high. If you have trouble doing so, consider a loan so that you can pay a lower rate of interest. [DayPlanner web site – Link #111]

Careers Career fairs Wednesday Date: Thursday Date: Communities across Canada hold “career fairs” at vari- ous times. Information on these events often appears in local and community newspapers. Career fairs provide opportunities fo possibilities and to connect with employers and train- ing programs. I interview in case the opportunity to meet with an employer should arise.

Friday Date: Saturday Date: Jobs & Business Finding a job: I Different companies have different kinds of working environments or “cultures.” During the interview, the employer may be trying to find out if you would work well in their culture. For example, the company may be creative, or conservative, or Sunday Date: require that the staff handle stress well.

38 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 39

Dates/Events/History Did You Know....? rter of In Newfoundland and Labrador, Canada The capital city of Canada is Ottawa. oms guar- Day is known as Memorial Day and is Ottawa is located on the Ontario side equal observed on the Monday nearest July 1. of the Ontario/Quebec border. Canada’s the law It commemorates the death of federal government and parliament build- t on and Newfoundlanders in the Battle of ings are located there. Ottawa was first fi without Beaumont Hamel as part of the Battle of called “Bytown”—named after Colonel a so guar- the Somme in World War I. By who led the construction of the r ght to Rideau Canal.* t cal and to Money Matters Education/Training i cal fi web Credit cards Public school * Credit cards go by many brand names, but they are all The courses that students used to borrow money for purchases.The interest take in high school (also costs are high—often 18% or higher. Pay off credit card referred to as “secondary debt by the due date shown on the bill to avoid inter- school”) can affect the est charges. Learn more about credit cards.Try to pay programs that they can off credit card debts quickly since costs are high. If you “get into” or take at col- have trouble doing so, consider a loan so that you can lege or university. Colleges pay a lower rate of interest. [DayPlanner web site – and universities require Link #111] that students complete certain courses in order to be considered for spe- cific programs. Students Careers should seek advice when making their high school Career fairs course selections. If they Communities across Canada hold “career fairs” at vari- drop one or more cours- ous times. Information on these events often appears in es, it may prevent them local and community newspapers. Career fairs provide from getting into certain opportunities for people to learn more about career programs after high possibilities and to connect with employers and train- school. It may be possible ing programs. If you attend, dress appropriately for an to pick up needed courses interview in case the opportunity to meet with an through summer school employer should arise. or by some other means.

Jobs & Business Finding a job: Interviews Different companies have different kinds of working environments or “cultures.” During the interview, the employer may be trying to find out if you would work well in their culture. For example, the company may be creative, or conservative, or require that the staff handle stress well.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 39 002-51 14th printing 2013 4/10/13 10:29 AM Page 40

Government Dates/Events/History The Canadian Charter of First Monday in August Rights and Freedoms The first Monday of August is a holiday guarantees legal rights— across Canada and is known by different the right to be presumed names including “,” British innocent until proven Columbia Day (in B.C.), and New guilty, the right to have a Brunswick Day (in New Brunswick). lawyer represent you (and to be told that you have this right), and the right to an interpreter in court Money Matters proceedings if you need is Canada’s second largest city and the one. [DayPlanner web site Credit cards largest city in the province of Quebec. – Link #250]* When yo a credit card slip.The store keeps one copy.You get a copy so that you can check your purchases against Month: your credit card bill. Keep your copies safe. Don’t Monday Date: Tuesday Date: throw them away.You don’t want others to get the information on those slips. Not all businesses accept credit card certain cre

Careers Internships Wednesday Date: Thursday Date: A very good way to develop skills, experience, and a career is through an internship program. Internship programs provide an opportunity for someone planning a career to work with an employer and develop knowledge and experience in that field. Many interns are paid during the time they work with the employer. A period of internship is re For more information on internship programs, see DayPlanner web site – Link #26. Friday Date: Saturday Date: Jobs & Business Finding a job: I In the interview, an employer may expect you to have a career plan.You may be asked how this job wo Try to be prepared for such a question. Sunday Date:

40 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 41

Dates/Events/History Did You Know....? rter of First Monday in August The legal drinking age is 18 in the oms The first Monday of August is a holiday provinces of Alberta, Quebec, and r ghts— across Canada and is known by different Manitoba. It is 19 elsewhere in Canada. r sumed names including “Civic Holiday,” British Children under these ages may not be oven Columbia Day (in B.C.), and New able to enter certain restaurants/pubs/ o have a Brunswick Day (in New Brunswick). bars where alcohol is sold. ou (and ou have e right to court Money Matters Education/Training u need web site Credit cards Public school When you buy something with a credit card, you sign Colleges and universities a credit card slip.The store keeps one copy.You get a consider applicants on the copy so that you can check your purchases against basis of their grades your credit card bill. Keep your copies safe. Don’t received in high school. throw them away.You don’t want others to get the The grades required to information on those slips. Not all businesses accept get into programs will credit cards but most do. Some may only accept differ from university to certain credit cards and not others. university and college to college.The more popular universities can have higher requirements. Check the web site of Careers your province/territory to Internships see if there are programs A very good way to develop skills, experience, and a to help people apply to career is through an internship program. Internship colleges/universities. programs provide an opportunity for someone planning a career to work with an employer and develop knowledge and experience in that field. Many interns are paid during the time they work with the employer. A period of internship is required in some professions. For more information on internship programs, see DayPlanner web site – Link #26.

Jobs & Business Finding a job: Interviews In the interview, an employer may expect you to have a career plan.You may be asked how this job would fit in to your career plan and what you hope to do and accomplish. Try to be prepared for such a question.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 41 002-51 14th printing 2013 4/10/13 10:29 AM Page 42

Government Dates/Events/History The Canadian Charter Throughout National Police Week, of Rights and Freedoms celebrated in the second week of May, guarantees mobility community groups and police agencies rights—the right to enter organize events throughout Canada to and leave Canada and to promote the concept of police and move to any province or communities working together to territory. [DayPlanner web enhance and ensure public safety and site – Link #250]* security. Money Matters

Le Bonhomme is the symbol of the Québec Winter Telemarketing Carnival held every winter in Québec City. Telemarke ing to sell products and services. Be cautious. Some callers may Month: give out personal information such as credit card or bank Monday Date: Tuesday Date: account numbers or your Social Insurance Number.

Careers Co-op opportunities Wednesday Date: Thursday Date: Co-operative Education (Co-op) provides opportunities for students to work in career-related companies as part of their education.The school the student is attending will help to find a “co-op placement” for the student in a company.The student then dev working with that company. Learn more about co- operative education at DayPlanner web site – Link #27.

Friday Date: Saturday Date: Jobs & Business Finding a job Looking for and finding a job usually takes quite a bit of work.There is research to do, job listings to find, a résumé to write, applications to send, calls to make, interviews to attend, and so on. Finding a job may not happen as quickly or easily as Sunday Date: you would like.Think positively and try to learn from each experience. Many web sites provide suggestions for how and where to look for a job. [DayPlanner web site – Link #159] See pages 216–218 fo

42 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 43

Dates/Events/History Did You Know....? rter Throughout National Police Week, Canada has two official languages: English edoms celebrated in the second week of May, and French.There are many programs to y community groups and police agencies help newcomers to Canada improve o enter organize events throughout Canada to their English or French skills.The majori- and to promote the concept of police and ty of French-speaking Canadians live in v nce or communities working together to the province of Quebec. New Brunswick nner web enhance and ensure public safety and is the only officially bilingual province in * security. Canada.* Money Matters Education/Training

Telemarketing Public school Telemarketers may call you on the phone at home try- Students must usually ing to sell products and services. Be cautious. Some attend the public school callers may be trying to take advantage of you. Never that is in their neighbour- give out personal information such as credit card or bank hood. In some cases, it account numbers or your Social Insurance Number. may be possible to attend a school out of the local area. If you are interested in other schools, you should first contact the local school.

Careers Co-op opportunities Co-operative Education (Co-op) provides opportunities for students to work in career-related companies as part of their education.The school the student is attending will help to find a “co-op placement” for the student in a company.The student then develops his or her knowledge and skills while working with that company. Learn more about co- operative education at DayPlanner web site – Link #27.

Jobs & Business Finding a job Looking for and finding a job usually takes quite a bit of work.There is research to do, job listings to find, a résumé to write, applications to send, calls to make, interviews to attend, and so on. Finding a job may not happen as quickly or easily as you would like.Think positively and try to learn from each experience. Many web sites provide suggestions for how and where to look for a job. [DayPlanner web site – Link #159] See pages 216–218 for tips on job hunting.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 43 002-51 14th printing 2013 4/10/13 10:29 AM Page 44

Government Dates/Events/History The Canadian Charter of Rights and Freedoms Labour Day is the first Monday of guarantees language September. It is a statutory holiday rights—the right, in throughout Canada and celebrates the general, to use either contributions of labour/workers in English or French in Canada. communicating with the federal government and with some of the provincial/territorial Money Matters governments. [DayPlanner The St. Lawrence Seaway is a major commercial route web site – Link #250]* Delaying payment leading from the Atlantic Ocean to the Great Lakes Some store and running through the province of Quebec. anything for a period of time (for example, a year or fifteen months) when you purchase an item. Check the Month: details.You may in fact have to pay a fee and taxes at Monday Date: Tuesday Date: the time of purc you are to complete payment, make sure you do so. If you do not, i the loan.

Careers Mentoring Wednesday Date: Thursday Date: A great way to gain experience and learn more about how to build a career and develop a “life plan” is to work with a mentor.A mentor is an individual who volunteers his or her time to work with another individual and provide advice and guidance. Mentors have usually been successful in their own careers and want to help others achiev sites that provide information on mentoring and contacts with mentoring organizations. [DayPlanner Friday Date: Saturday Date: web site – Link #28] Jobs & Business Finding a job: R Often an employer will want you want to provide some references. References are people who know tell the employer something about you. Newcomers often have not had a chance to Sunday Date: obtain Canadian employment references. If that is the case, obtain references from the jobs you had before coming to Canada.You can also use references from volunteer or commu

44 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 45

Dates/Events/History Did You Know....? rter of Labour Day Canada is a land of lakes, rivers, and oms Labour Day is the first Monday of streams.Approximately 20% of the age September. It is a statutory holiday world’s fresh water is located here. n throughout Canada and celebrates the her contributions of labour/workers in h in Canada. th the t and al Money Matters Education/Training yPlanner #250]* Delaying payment Public school Some stores advertise that you do not have to pay The local school anything for a period of time (for example, a year or system may provide busing fifteen months) when you purchase an item. Check the for students who live details.You may in fact have to pay a fee and taxes at some distance from the the time of purchase.Also, if there is a date by which school. If you move to a you are to complete payment, make sure you do so. If location some distance you do not, interest may apply to the entire period of from your local school, the loan. check to see if busing is available.

Careers Mentoring A great way to gain experience and learn more about how to build a career and develop a “life plan” is to work with a mentor.A mentor is an individual who volunteers his or her time to work with another individual and provide advice and guidance. Mentors have usually been successful in their own careers and want to help others achieve success.There are web sites that provide information on mentoring and contacts with mentoring organizations. [DayPlanner web site – Link #28]

Jobs & Business Finding a job: References Often an employer will want you want to provide some references. References are people who know you, have information about your abilities and experience, and can tell the employer something about you. Newcomers often have not had a chance to obtain Canadian employment references. If that is the case, obtain references from the jobs you had before coming to Canada.You can also use references from volunteer or community work that you have been involved with since your arrival in Canada.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 45 002-51 14th printing 2013 4/10/13 10:29 AM Page 46

Government Dates/Events/History The Canadian Charter of International Day of Families Rights and Freedoms Observed on May 15, this day is intended guarantees minority to increase awareness of family issues language education and encourage nations to create rights—this means that comprehensive guidelines to help tackle French and English serious family-related problems. minorities in every province have the right to be educated in their own language. [DayPlanner web Money Matters site – Link #250]* A wide variety of farming activity is carried on all Taxes in Canada across Canada. Pictured here is a farm in New Governments in Canada pro Brunswick. services, including health care, education, , and defence.To provide these, governments collect taxes. Month: Types of taxes include income tax, sales tax (for Monday Date: Tuesday Date: example, Canadians often debate what governments need to provide and the taxe you pay t complete and send in your income tax forms on time—April 30th fo

Careers Volunteering Wednesday Date: Thursday Date: Volunteering—providing your time and services without payment—is an excellent way to learn more about a career that interests you. It is a good way to get experience and to create a network of contacts. There are many opportunities for volunteering in communities across Canada.There are also organizations that can assist yo volunteering. See page 220 for a list of some of these organizations, and visit the DayPlanner web site – Link Friday Date: Saturday Date: #29 to contact more Jobs & Business Finding a job: B One of the most important things to do to find a job is to start to develop a network of contacts.T do. Identify key organizations. Build a list of contacts, and keep a record of each Sunday Date: contact’s name, phone number, fax number, e-mail address, and so on. Many web sites provide suggestions for building good networks. [DayPlanner web site – Link #160]

46 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 47

Dates/Events/History Did You Know....? rter of International Day of Families “Quebecers” are the people of Québec. oms Observed on May 15, this day is intended Most are descendents of 8,500 French i y settlers from the 1600s and 1700s and to increase awareness of family issues maintain a unique identity, culture and and encourage nations to create language.The House of Commons that comprehensive guidelines to help tackle recognized in 2006 that Quebecois form h serious family-related problems. a nation within a united Canada. One million English Quebecers form a vibrant right to part of the Québec fabric.* eir own nner web Money Matters Education/Training * Taxes in Canada Public school Governments in Canada provide many products and Some schools in Canada services, including health care, education, roads, and are separate from the defence.To provide these, governments collect taxes. public school and operate Types of taxes include income tax, sales tax (for with a particular affiliation example, GST, PST, HST), property tax, and gasoline tax. or association. For exam- Canadians often debate what governments need to ple, there may be a local provide and the taxes that should be paid. Make sure public high school as well you pay the taxes you are required to pay and as a local Catholic high complete and send in your income tax forms on school. Parents can con- time—April 30th for most people. tact the local school board to explore the dif- ferent kinds of schools in Careers their neighbourhood. [DayPlanner web site – Volunteering Link #215] Volunteering—providing your time and services without payment—is an excellent way to learn more about a career that interests you. It is a good way to get experience and to create a network of contacts. There are many opportunities for volunteering in communities across Canada.There are also organizations that can assist you if you are interested in volunteering. See page 220 for a list of some of these organizations, and visit the DayPlanner web site – Link #29 to contact more.

Jobs & Business Finding a job: Building a network One of the most important things to do to find a job is to start to develop a network of contacts.Talk with people. Call people. Learn about people and what they do. Identify key organizations. Build a list of contacts, and keep a record of each contact’s name, phone number, fax number, e-mail address, and so on. Many web sites provide suggestions for building good networks. [DayPlanner web site – Link #160]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 47 002-51 14th printing 2013 4/10/13 10:29 AM Page 48

Government Dates/Events/History In Canada, women have the Day is the second Monday same rights as men.Women of October. It is a statutory holiday must be treated the same throughout Canada and is a day when as men in the workplace. people give thanks for the “harvest” and Women cannot be denied the good things in life. Many families work opportunities, including celebrate by coming together for dinner. promotions, because of their gender.All governments in Canada encourage equal treatment of, and oppor- Money Matters tunity for, women of all ages. During the early days of European settlement, fortresses [DayPlanner web site – Link Door-to-door sales were built in many centres in Canada.The Fortress of #255] Some people may come to your home to ask for a Louisbourg in Cape Breton, Nova Scotia, is pictured here. donation or try to sell you a product or service (for example, grass-cutters or painters trying to get new Month: business). Be cautious. If you don’t wish to do business Monday Date: Tuesday Date: at your door, thank them, say that you don’t conduct business at the door, and say goodbye.The best way to send a donation to an organization you want to support is by mail or in person at the office of the organization. It is best not to give cash to someone who comes to your door; it’s hard to verify who they are and the organization they represent. Careers Career centre Wednesday Date: Thursday Date: Many of Canada’s colleges and universities have career centres on their campuses. If you are looking for assistance in exploring or pursuing a career, visit a local college or university and ask if you can use the services of the career centre. Most will be pleased to try to help you with career information.

Friday Date: Saturday Date: Jobs & Business Finding a job: B When building a network, try to reach out to different groups in the community. Expand yo has some help in terms of networking. Go to BCjobs.ca and click on Career Advice. Sunday Date: Citizenship and Immigration Canada has a web site to help link newcomers to immigrant services in your area. Find services in your area at www.cic.

48 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:29 AM Page 49

Dates/Events/History Did You Know....? have the Thanksgiving Day is the second Monday The border between Canada and the n Women of October. It is a statutory holiday United States is the longest undefended h same throughout Canada and is a day when border in the world. It stretches over kplace. people give thanks for the “harvest” and 8,800 kms.There are many border e denied the good things in life. Many families crossings.There are limits to the value s including celebrate by coming together for dinner. of goods that can be taken across the se of their border. * ments in equal oppor- Money Matters Education/Training of all ages. s e – Link Door-to-door sales Public school Some people may come to your home to ask for a The school system donation or try to sell you a product or service (for provides most textbooks example, grass-cutters or painters trying to get new and some supplies used in business). Be cautious. If you don’t wish to do business public schools.There are at your door, thank them, say that you don’t conduct some exceptions to this. business at the door, and say goodbye.The best way to Students usually need to send a donation to an organization you want to support is provide their own pencils, by mail or in person at the office of the organization. It is pens, erasers, paper, and best not to give cash to someone who comes to your rulers. door; it’s hard to verify who they are and the organization they represent. Careers Career centres Many of Canada’s colleges and universities have career centres on their campuses. If you are looking for assistance in exploring or pursuing a career, visit a local college or university and ask if you can use the services of the career centre. Most will be pleased to try to help you with career information.

Jobs & Business Finding a job: Building a network When building a network, try to reach out to different groups in the community. Expand your range of contacts.This can help open up new opportunities. BCjobs.ca has some help in terms of networking. Go to BCjobs.ca and click on Career Advice. Citizenship and Immigration Canada has a web site to help link newcomers to immigrant services in your area. Find services in your area at www.cic.gc.ca/english/newcomers/map/services.asp.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 49 002-51 14th printing 2013 4/10/13 10:29 AM Page 50

Government Dates/Events/History In addition to rights and Daylight Saving Time freedoms, Canadian citizens Daylight Saving Time begins on the also have responsibilities. second Sunday in March and ends on the These include understanding and obeying Canadian laws, first Sunday in November. Clocks are set voting in elections, allowing forward one hour at 2:00 a.m. other Canadians to enjoy their rights and freedoms, taking care of the environ- ment, and helping to strengthen our multicultural society. It Money Matters is considered very important Peggy’s Cove in Nova Scotia is a popular tourist for Canadians to show Income Tax (1) respect for the rights and destination. well-being of others.* When income is earned in Canada, a must be completed and returned to the Canada Revenue Agency.The date by which most income tax Month: forms have to be sent in is April 30. Some return dates Monday Date: Tuesday Date: are later—such as if you earn self-employment income. Accountants and tax companies can help you complete your taxe

Careers Apprenticeship (1) Wednesday Date: Thursday Date: Some professions require a period of apprenticeship to develop the needed skills.An apprentice will have completed a certain amount of schooling. He or she then spends a period of time working with a trained professional to learn the skill as a certified journey- person.A Qualification” upon completion of the specified training and be licensed as a trained professional in that field. Provinces and territories are responsible for apprentice- Friday Date: Saturday Date: ship training. [ Jobs & Business Finding a job: M When you are looking for a job, you are trying to present your talents, skills, and experience to an employ for the job. Don’t be afraid to talk about your strengths and stress how your skills fit Sunday Date: the job. But be sure to avoid exaggerating your skills and experience. Be confident in your abilities.

50 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 002-51 14th printing 2013 4/10/13 10:30 AM Page 51

Dates/Events/History Did You Know....? s and Daylight Saving Time Much of Canada’s trade is with the United a citizens Daylight Saving Time begins on the States. In 2011, 72% of our exports went to bilities. the U.S.; 61% of our imports came from second Sunday in March and ends on the d rstanding there. Central Canada (Ontario and Quebec) d an laws, first Sunday in November. Clocks are set is the industrial and manufacturing heartland , allowing forward one hour at 2:00 a.m. of Canada.The prairie provinces (Alberta, o enjoy Saskatchewan, Manitoba) are known for eedoms, their fertile agricultural land and energy nviron- resources.* trengthen society. It Money Matters Education/Training mportant s ow Income Tax (1) Public school g ts and rs.* When income is earned in Canada, an income tax form Students are expected to must be completed and returned to the Canada be at school on time, and Revenue Agency.The date by which most income tax lateness will be recorded. forms have to be sent in is April 30. Some return dates The school may ask for an are later—such as if you earn self-employment income. explanation as to why a Accountants and tax companies can help you complete student is late. Students your taxes for a fee. are also expected to attend school and should bring a note from a parent or guardian explaining any absence. Students are usually required to bring a Careers note from their parent/ Apprenticeship (1) guardian if they need Some professions require a period of apprenticeship permission to leave the to develop the needed skills.An apprentice will have school before the end of completed a certain amount of schooling. He or she the school day. then spends a period of time working with a trained professional to learn the skill as a certified journey- person.A successful apprentice will get a “Certificate of Qualification” upon completion of the specified training and be licensed as a trained professional in that field. Provinces and territories are responsible for apprentice- ship training. [DayPlanner web site – Link #30]

Jobs & Business Finding a job: Making a positive impression When you are looking for a job, you are trying to present your talents, skills, and experience to an employer as best you can.You will often be competing with others for the job. Don’t be afraid to talk about your strengths and stress how your skills fit the job. But be sure to avoid exaggerating your skills and experience. Be confident in your abilities.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 51 052-105 14th printing 2013 4/10/13 10:37 AM Page 52

Government Dates/Events/History Canada’s judicial and court Halloween is October 31. People carve system enables you to take pumpkins and dress in costumes. action against any person Children go “shelling out” or “trick-or- you believe has violated treating,” collecting treats from neigh- your rights.Talk with a bors. Halloween dates back to 700 lawyer or contact a and comes from Druid belief that the government office to get souls of the dead returned to mingle legal advice and assistance. with the living on “hallowed eve.” A person who cannot afford a lawyer may qualify Money Matters for legal aid. [DayPlanner Fishing is popular in Canada and the fishing industry is web site – Link #256]* Income Tax (2) large on the west and east coasts. Pictured is a fisher- Employe man fixing nets in Cape Breton, Nova Scotia. paycheques and send it to the government.This is called “withholding tax.” At tax time, the amount of tax Month: you need to pay will be compared with how much tax Monday Date: Tuesday Date: the employer has submitted.You will then either pay the difference or receive a refund.You may be eligible for “tax credits” that can reduce the amount of tax you have to pay. Make sure to use the tax credits available to you.

Careers Apprenticeship (2) Wednesday Date: Thursday Date: There is a “Red Seal” Program that sets pan-Canadian standards for mobility of certified journeypersons across Canada.The program is administered by the Canadian Council of Dire (CCDA), an inter-jurisdictional partnership that facili- tates labour mobility in Canada. [ Link #31] Contacts fo provincial and the territorial levels can be found at www.red-seal.ca/[email protected]?#contact_. Friday Date: Saturday Date: Jobs & Business Finding a job: M There are two types of skills required for many jobs. One type is the specific knowl- , education, and training needed to do a specific job.These skills relate more to what you do in the job.The other type is the personal attributes, attitudes, and abili- Sunday Date: ties that often relate to “how you work” and do the job. Be prepared to talk about both. In Canada, a number of “essential skills” have been identified.You can learn more about these at w

52 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:37 AM Page 53

Dates/Events/History Did You Know....? nd court Halloween is October 31. People carve Canada has more than 200,000 kilometres ou to take pumpkins and dress in costumes. of coastline, including the Pacific Ocean y person Children go “shelling out” or “trick-or- on the west, the Atlantic Ocean on the i lated treating,” collecting treats from neigh- east, and the Arctic Ocean on the north. w th a bors. Halloween dates back to 700 B.C. a and comes from Druid belief that the to get souls of the dead returned to mingle ssistance. with the living on “hallowed eve.” nnot ay qualify Money Matters Education/Training Planner 256]* Income Tax (2) Public school Employers will deduct income tax from employees’ Students can be paycheques and send it to the government.This is suspended or expelled called “withholding tax.” At tax time, the amount of tax from school for improper you need to pay will be compared with how much tax behaviour. Students are the employer has submitted.You will then either pay expected to be respectful. the difference or receive a refund.You may be eligible Violence, of any kind, is for “tax credits” that can reduce the amount of tax you not tolerated at school. have to pay. Make sure to use the tax credits available Students can also get into to you. trouble for using foul language, harassing or bullying other students, not completing work, or Careers showing disrespect to a teacher, other students, or Apprenticeship (2) to school property. There is a “Red Seal” Program that sets pan-Canadian standards for mobility of certified journeypersons across Canada.The program is administered by the Canadian Council of Directors of Apprenticeship (CCDA), an inter-jurisdictional partnership that facili- tates labour mobility in Canada. [DayPlanner web site – Link #31] Contacts for the Red Seal Program at the provincial and the territorial levels can be found at www.red-seal.ca/[email protected]?#contact_.

Jobs & Business Finding a job: Making a positive impression There are two types of skills required for many jobs. One type is the specific knowl- edge, education, and training needed to do a specific job.These skills relate more to what you do in the job.The other type is the personal attributes, attitudes, and abili- ties that often relate to “how you work” and do the job. Be prepared to talk about both. In Canada, a number of “essential skills” have been identified.You can learn more about these at www.hrsdc.gc.ca/eng/workplaceskills/les/index.shtml

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 53 052-105 14th printing 2013 4/10/13 10:37 AM Page 54

Government Dates/Events/History A person is eligible to apply for Canadian citizen- Remembrance Day is November 11. ship if he or she is 18 years In Canada, it commemorates Canadians of age or older, has been a who died serving their country in legal resident of Canada various wars and conflicts over the for three of the last four years. years, can communicate in English or French, and has a knowledge of Canada including the rights and Money Matters responsibilities of citizen- Halifax is the capital city of Nova Scotia.A number of ship. [DayPlanner web site Income Tax (3) connect Halifax to Dartmouth. – Link #257]* Newcomers to Canada complete a special income tax form in their first year here.The form is also returned to a special add Month: DayPlanner web site – Link #112. Monday Date: Tuesday Date:

Careers Common mistake Wednesday Date: Thursday Date: There are some common mistakes that people make when trying to build a career. See pages 215 and 216 for a list of some of the common mistakes. [DayPlanner we

Friday Date: Saturday Date: Jobs & Business Finding a job: M Be aware that many employers will provide training for specific jobs. Employers are less able to build attitudes or wo often want to learn a lot about your personal skills, work habits, attitude, and so Sunday Date: forth.

54 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:37 AM Page 55

Dates/Events/History Did You Know....? e to Remembrance Day The state of Alaska, in the far northwest, n citizen- Remembrance Day is November 11. is part of the United States. It borders s 18 years In Canada, it commemorates Canadians Canada’s Yukon Territory on the east. as been a who died serving their country in To the west, across the Bering Strait, anada various wars and conflicts over the is Russia. a t four years. u icate in , and has C nada t and Money Matters Education/Training citizen- web site Income Tax (3) Bullying Newcomers to Canada complete a special income tax A school may have a form in their first year here.The form is also returned problem with “bullying” to a special address. For more information on this, see where one or more DayPlanner web site – Link #112. students pick on or bother one or more other students. If you notice any change in your child’s behaviour that makes you think this might be happening, talk with your child and with the teacher or principal at the school. Careers Bullying is not permitted. Common mistakes School officials aim to There are some common mistakes that people make prevent it. when trying to build a career. See pages 215 and 216 for a list of some of the common mistakes. [DayPlanner web site – Link #15]

Jobs & Business Finding a job: Making a positive impression Be aware that many employers will provide training for specific jobs. Employers are less able to build attitudes or work habits in employees.Therefore, employers will often want to learn a lot about your personal skills, work habits, attitude, and so forth.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 55 052-105 14th printing 2013 4/10/13 10:37 AM Page 56

Government Dates/Events/History Canada encourages newcomers Canada Health Day to become Canadian citizens Each year on May 12, hundreds of public and allows “dual citizenship.” An Application for Citizenship health units and health facilities and can be obtained from a govern- agencies from coast to coast participate ment call centre or down- in one of Canada’s foremost health loaded from the web site of events, Canada Health Day. Citizenship and Immigration Canada.A processing fee and refundable “Right of Citizen- ship” fee will be required.You will receive a booklet to help Money Matters prepare you for questions The Citadel is a fortress built in Halifax at the time of you will be asked. Income Tax (4) early European settlement. [DayPlanner web site – Some settlement agencies that wo Link #258] offer assistance with completing income tax forms. If you need help, check with a settlement agency in your Month: community.These agencies can help you find and use Monday Date: Tuesday Date: tax credits for which you are eligible.They can also help you find the government programs that can assist you.A list of some agencies is on page 211. N with taxe

Careers Essential skills Date: Date: Wednesday Thursday The Essential Skills are a set of defined “enabling” skills that people use to carr and in their wo Skills at the lev a greater degre include: reading text, document use, writing, numeracy, oral commu ers, computer use, and continuous learning. Learn more about Essential Skills by workplaceskills/les/index.shtml o Friday Date: Saturday Date: – Link #33 Jobs & Business Finding a job: M Many newcomers to Canada have the personal characteristics and attitudes that are attractive to come to a new country. Be sure to point out these kinds of things to prospective Sunday Date: employers.

56 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:37 AM Page 57

Dates/Events/History Did You Know....? ewcomers Canada Health Day As of 2005, life expectancy at birth in a citizens Each year on May 12, hundreds of public Canada is 78 years for men and 82.7 t zenship.” years for women.The United Nations Citizenship health units and health facilities and m a govern- agencies from coast to coast participate has, for quite some years, recognized r down- in one of Canada’s foremost health Canada as one of the best countries eb site of events, Canada Health Day. in the world to live in. migration ng fee and f Citizen- quired.You l t to help Money Matters Education/Training estions Income Tax (4) Respect i e – Some settlement agencies that work with newcomers It is important that each offer assistance with completing income tax forms. If student respect other you need help, check with a settlement agency in your students regardless of community.These agencies can help you find and use race, colour, gender, and tax credits for which you are eligible.They can also so forth. If one student help you find the government programs that can assist shows disrespect to you.A list of some agencies is on page 211. Not all help another, the school can with taxes. punish that student.The student may be suspended or expelled.

Careers Essential skills The Essential Skills are a set of defined “enabling” skills that people use to carry out tasks in their daily lives and in their work.Those workers that possess Essential Skills at the level required for certain occupations have a greater degree of employability. Essential Skills include: reading text, document use, writing, numeracy, oral communication, thinking skills, working with oth- ers, computer use, and continuous learning. Learn more about Essential Skills by visiting www.hrsdc.gc.ca/eng/ workplaceskills/les/index.shtml or DayPlanner web site – Link #33 Jobs & Business Finding a job: Making a positive impression Many newcomers to Canada have the personal characteristics and attitudes that are attractive to employers.That is because it often takes initiative, planning, and courage to come to a new country. Be sure to point out these kinds of things to prospective employers.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 57 052-105 14th printing 2013 4/10/13 10:37 AM Page 58

Government Dates/Events/History Information on the National Road Safety Week is a co– Government of Canada ordinated effort among police agencies If you need to find a across the country to ensure drivers federal government exercise safe-driving practices.The week department or service, begins with the first holiday weekend of call 1-800-622-6232.The the summer and is a key component of website for Citizenship meeting the national goal of making and Immigration Canada is Canada’s roads the safest in the world. www.cic.gc.ca. Money Matters See page 210 for info on Cape Breton, Nova Scotia, is a unique part of Canada. Citizenship and The Investor Education Fund’s web site has information It is common for Canadians and tourists to tour Cape Immigration Canada. about money, banking, saving, investing and more.There Breton by car. are also helpful videos on the site.To learn more, visit: www.getsmarteraboutmoney.ca. Month: Monday Date: Tuesday Date: November in Canada is “Financial Literacy Month.” Activities are of Canadians to undert confidence and competence.

Careers Exploring your intere Wednesday Date: Thursday Date: Many people are not sure of what they want to do in terms of a career and occupation.There are many “tools” available to help people explore their interests and abilities.These tools try to help you decide what your career interests may be. Many are available online. [DayPlanner web site – Link #34]

Friday Date: Saturday Date: Jobs & Business Finding a job: M Try to make a positive impression in an interview by dressing appropriately. Professional, conservative dress is common for interviews. If you are unsure of how to dress, dress more business-like than casual. Some kinds of jobs require less formal Sunday Date: dress.

58 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:37 AM Page 59

Dates/Events/History Did You Know....? e National Road Safety Week is a co– The majority of Canadians identify themselves nada ordinated effort among police agencies as Christians.The largest religious affiliation is Roman Catholic, followed by various a across the country to ensure drivers Protestant churches.The numbers of Muslims, t exercise safe-driving practices.The week begins with the first holiday weekend of Jews, Hindus, Sikhs and members of other vice, religions, are also growing.Together, these 32.The the summer and is a key component of meeting the national goal of making diverse groups, sharing a common Canadian enship identity, make up today’s multicultural society.* Canada is Canada’s roads the safest in the world. Money Matters Education/Training nfo on The Investor Education Fund’s web site has information Suspension/expulsion a a. about money, banking, saving, investing and more.There If a student does some- are also helpful videos on the site.To learn more, visit: thing that is against the www.getsmarteraboutmoney.ca. rules/regulations of the school, the student can be punished. Usually, the pun- November in Canada is “Financial Literacy Month.” ishment will depend on Activities are undertaken to help improve the ability what the student has of Canadians to undertake their financial decisions with done. A suspension is a confidence and competence. set number of days the student cannot attend school. Expulsion means the student cannot return Careers to the school. Exploring your interests Many people are not sure of what they want to do in terms of a career and occupation.There are many “tools” available to help people explore their interests and abilities.These tools try to help you decide what your career interests may be. Many are available online. [DayPlanner web site – Link #34]

Jobs & Business Finding a job: Making a positive impression Try to make a positive impression in an interview by dressing appropriately. Professional, conservative dress is common for interviews. If you are unsure of how to dress, dress more business-like than casual. Some kinds of jobs require less formal dress.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 59 052-105 14th printing 2013 4/10/13 10:37 AM Page 60

Government Dates/Events/History The Prime Minister (PM) During February, Canadians celebrate the and the ministers of the culture, achievements, and contributions government are called the of Black Canadians. Black History Month Cabinet.They make was officially recognized by the Govern- important decisions about ment of Canada in 1995, following a how the country is motion by the Honourable Jean Augustine, governed.They prepare the the first Black Canadian woman elected budget and can propose to Parliament. new laws.All members of Parliament are able to ask Money Matters questions of the PM and St. John’s is the capital city of the province of ministers in the House of GST Newfoundland and Labrador. Pictured is the lighthouse Commons.* You must pay the federal Goods and Services Tax at the entrance to St. John’s Harbour. (GST) on most of the products and many services you buy. In most provinces, 5% GST is added to the price. Month: In some provinces, the GST is combined with the Monday Date: Tuesday Date: provincial sales tax and appears as the HST (Harmonized Sales Tax).You will pay the GST, PST, or HST as part of your bill.

Careers Personal skills inventory Wednesday Date: Thursday Date: When planning a career or job search, you should develop a personal list of your skills and abilities.This is often referred to as a Skills Inventory. Some web sites offer tools to help you develop your own skills inventory.A skills inventory can help you when preparing a résumé and planning for job interviews. [DayPlanner web site – Link #35]

Friday Date: Saturday Date: Jobs & Business Finding a job: M When looking for a job, do your research and try to identify specific target aspects of work and specific potential employers. Join professional associations and business organizations if they can help you.Try to show you are focused and have a plan. Sunday Date:

60 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 61

Dates/Events/History Did You Know....? r (PM) During February, Canadians celebrate the Canada has ten provinces and three of the culture, achievements, and contributions northern territories: British Columbia, c lled the of Black Canadians. Black History Month Alberta, Saskatchewan, Manitoba, ke was officially recognized by the Govern- Ontario, Quebec, New Brunswick, o s about ment of Canada in 1995, following a Nova Scotia, Prince Edward Island, s motion by the Honourable Jean Augustine, Newfoundland and Labrador, the Yukon, pare the the first Black Canadian woman elected the Northwest Territories and Nunavut.* ropose to Parliament. mbers of le to ask Money Matters Education/Training M and House of GST Public school You must pay the federal Goods and Services Tax Most schools offer (GST) on most of the products and many services you students extracurricular buy. In most provinces, 5% GST is added to the price. activities.These may In some provinces, the GST is combined with the include sports, clubs, provincial sales tax and appears as the HST participation in a musical (Harmonized Sales Tax).You will pay the GST, PST, band or choir, and they or HST as part of your bill. may be provided at no additional charge. Some- times fees will need to be paid.Teaching staff usually supervise extracurricular Careers activities. Personal skills inventory When planning a career or job search, you should develop a personal list of your skills and abilities.This is often referred to as a Skills Inventory. Some web sites offer tools to help you develop your own skills inventory.A skills inventory can help you when preparing a résumé and planning for job interviews. [DayPlanner web site – Link #35]

Jobs & Business Finding a job: Making a positive impression When looking for a job, do your research and try to identify specific target aspects of work and specific potential employers. Join professional associations and business organizations if they can help you.Try to show you are focused and have a plan.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 61 052-105 14th printing 2013 4/10/13 10:38 AM Page 62

Government Dates/Events/History “Welcome to Canada” National Access Awareness Week Citizenship and Celebrated in the first week of June, this Immigration Canada (CIC) week was established to promote better has a web site to help access for people with disabilities. It was newcomers to Canada. created in response to a request from It is full of information, Rick Hansen, following his Man in Motion tips, and links of interest to World Tour. newcomers. See pages 210 and 211 for information on the site.* Money Matters www.cic.gc.ca/new Pictured is the monument to Marconi on Signal Hill in Most provinces have a provincial sales tax (PST) in St. John’s, Newfoundland, the site of the world’s first addition to the federal Goods and Services Tax (GST). radio transmission. Like the GST, the PST is a percentage of the price you pay for a product or service. For example, PST is 8% in Month: Ontario and 5% in Saskatchewan. If you are “tipping” for a service, you can base your tip on the cost or Monday Date: Tuesday Date: price of the service before the tax is added. See page 240 for a list of tax rates.

Careers Change Wednesday Date: Thursday Date: Most people will experience a number of job changes over the course of their working life in Canada. It is much less common today for a person to work at one job over the course of their working years. It is not uncommon for a person to have five or six different careers.There are sources of help for how to handle periods of care web site – Link #36]

Friday Date: Saturday Date: Jobs & Business Finding a job: C When you send your résumé or application to an employer, you should include a cover letter.The cover letter will often be different for each potential job.The letter should state how your interests, skills, and experience fit the job that is available. It Sunday Date: should add and highlight information you think is important. Make sure there are no grammar or spelling mistakes.

62 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 63

Dates/Events/History Did You Know....? ada” National Access Awareness Week Canada celebrates its birth date as a Celebrated in the first week of June, this nation on July 1.The day is called Canada a (CIC) week was established to promote better Day, and there are many fireworks elp access for people with disabilities. It was displays.There is a celebration on nada. created in response to a request from Parliament Hill in Ottawa.* tion, Rick Hansen, following his Man in Motion nterest to World Tour. pages 210 mation on Money Matters Education/Training

Most provinces have a provincial sales tax (PST) in Public school addition to the federal Goods and Services Tax (GST). Many public schools now Like the GST, the PST is a percentage of the price you have their own web sites. pay for a product or service. For example, PST is 8% in Parents and guardians can Ontario and 5% in Saskatchewan. If you are “tipping” visit the web site and for a service, you can base your tip on the cost or learn more about the staff, price of the service before the tax is added. See page the programs, the 240 for a list of tax rates. curriculum, extracurricular activities, parent nights/meetings, and so on. Check with your local school to find out if it has a web site. Such web sites Careers often enable you to stay more closely in touch Change with your child’s home- work, project assignments, Most people will experience a number of job changes tests, and results. over the course of their working life in Canada. It is much less common today for a person to work at one job over the course of their working years. It is not uncommon for a person to have five or six different careers.There are sources of help for how to handle periods of career change and transition. [DayPlanner web site – Link #36]

Jobs & Business Finding a job: Cover letter When you send your résumé or application to an employer, you should include a cover letter.The cover letter will often be different for each potential job.The letter should state how your interests, skills, and experience fit the job that is available. It should add and highlight information you think is important. Make sure there are no grammar or spelling mistakes.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 63 052-105 14th printing 2013 4/10/13 10:38 AM Page 64

Government Dates/Events/History Canada has two official National Public Service Week, observed languages—English and during the second week of June, cele- French. If necessary, there brates the dedication and contributions are programs available to of public service workers in improving help you improve your English the quality of life of Canadians across the or French skills.An example country. is the LINC program (Language Instruction for Newcomers to Canada). Visit www.cic.gc.ca/ Money Matters lctvac/english/index or Canada reaches north to the Arctic. Pictured here is DayPlanner web site – Link The Canada Child Tax Benefit Frobisher Bay in the Northwest Territories. #260. The Canada Child T a benefit for those who have children.You are eligible to receive the Canada Child Tax Benefit if you are a Month: resident of Canada and live with a child under age 18. Monday Date: Tuesday Date: Call 1-800-387-1193, or see DayPlanner web site – Link #113, for information.

Careers Corporate sites Wednesday Date: Thursday Date: Many of Canada’s corporations provide information about careers with their company or industry on their web sites.You can search out the name of a company in an industry you are interested in on the Internet and see if it has career information. Many post jobs that are available with the company or provide information on the kinds of jobs in the company

Friday Date: Saturday Date: Jobs & Business Finding a job: P When you submit a cover letter, a résumé, or complete an application, make sure it is typed or neatly check these for you.You want to make a good impression.A neat presentation with Sunday Date: proper spelling and grammar is essential and important.

64 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 65

Dates/Events/History Did You Know....? ficial National Public Service Week, observed Canada still regards the British monarch h and during the second week of June, cele- as its head of state, but the monarch ry, there brates the dedication and contributions plays no role in governing the country. i able to of public service workers in improving The Queen is represented in Canada ur English the quality of life of Canadians across the by the Governor General.The Queen’s example country. representative in the provinces is known ram as the Lieutenant Governor.* t on for anada). / Money Matters Education/Training or te – Link The Canada Child Tax Benefit Preschool/nursery school The Canada Child Tax Benefit is unique to Canada. It is Prior to junior a benefit for those who have children.You are eligible kindergarten (age 4) or to receive the Canada Child Tax Benefit if you are a kindergarten (age 5), resident of Canada and live with a child under age 18. parents or guardians may Call 1-800-387-1193, or see DayPlanner web site – choose to enroll their Link #113, for information. child in a preschool or nursery school.These programs are offered for children of various ages. The parent or guardian will usually have to pay for these programs. Some are Careers half-day programs, and Corporate sites some are full-day Many of Canada’s corporations provide information programs. [DayPlanner about careers with their company or industry on their web site – Link #216] web sites.You can search out the name of a company in an industry you are interested in on the Internet and see if it has career information. Many post jobs that are available with the company or provide information on the kinds of jobs in the company.

Jobs & Business Finding a job: Proofread your materials When you submit a cover letter, a résumé, or complete an application, make sure it is typed or neatly written or printed. Check the spelling and grammar. Have someone check these for you.You want to make a good impression.A neat presentation with proper spelling and grammar is essential and important.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 65 052-105 14th printing 2013 4/10/13 10:38 AM Page 66

Government Dates/Events/History Many organizations in Canadian Multiculturalism Day Canada help newcomers June 27 celebrates the diversity within to Canada. Citizenship and Canada and recognizes the economic, Immigration Canada lists social, and cultural benefits that stem these organizations on its from the nation’s cultural diversity. web site. Provincial govern- ment sites also have infor- mation on such organiza- tions. www.cic.gc.ca/english/ department/partner/index. Money Matters asp. [DayPlanner web site – Charlottetown is the capital city of the province of Link #261] Making a will Prince Edward Island—Canada’s smallest province. It is import will take care of your children and receive or distribute your possessions when you die. Decisions about care Month: for your children, as well your possessions, may be Monday Date: Tuesday Date: made by resources available to help you prepare your will. Lawyers will also help yo charge fo Give a copy to your lawyer.

Careers Skills Canada Wednesday Date: Thursday Date: Canada needs people with skills in the trades, including electricians, plumbers, carpenters, mechanics, and so forth. Skills Canada helps encourage people to choose, and pursue, careers in the skilled trades area. Information on skills training and trades is available from DayPlanner web site – Link #37. Make sure you consider the skilled trades as a care there is a need for skilled workers in Canada.

Friday Date: Saturday Date: Jobs & Business Finding a job: T Be aware that many jobs in Canada are not advertised. Employers will often look for employees by working through their network: their current employees, their clients, people they know, the companies they deal with, and so on.That is why it is so Sunday Date: important for you to network. Contact people.Tell them about your interests and skills.There is good information available on the Internet about the hidden job market. www.workingincanada.gc.ca h

66 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 67

Dates/Events/History Did You Know....? s in Canadian Multiculturalism Day Canada is the 7th largest producer of oil omers June 27 celebrates the diversity within in the world and the 2nd largest holder nship and Canada and recognizes the economic, of proven oil reserves.The Unites States a a lists social, and cultural benefits that stem imports more oil from Canada than from ns on its from the nation’s cultural diversity. any other country in the world. a govern- ave infor- o ganiza- ca/english/ n r/index. Money Matters Education/Training web site – Making a will Language Immersion It is important to have a legal will.A will indicates who Programs will take care of your children and receive or distribute Some schools offer your possessions when you die. Decisions about care language immersion for your children, as well your possessions, may be programs. Students made by others if you die without a will. There are wishing to learn English or resources available to help you prepare your will. French can take most of Lawyers will also help you create a will.There is a their studies in that charge for this service. Keep your will in a safe place. language while in school. Give a copy to your lawyer. Students usually have to start in these programs at a young age. [DayPlanner web site – Link #217] Careers Skills Canada Canada needs people with skills in the trades, including electricians, plumbers, carpenters, mechanics, and so forth. Skills Canada helps encourage people to choose, and pursue, careers in the skilled trades area. Information on skills training and trades is available from DayPlanner web site – Link #37. Make sure you consider the skilled trades as a career option since there is a need for skilled workers in Canada.

Jobs & Business Finding a job: The “hidden” job market Be aware that many jobs in Canada are not advertised. Employers will often look for employees by working through their network: their current employees, their clients, people they know, the companies they deal with, and so on.That is why it is so important for you to network. Contact people.Tell them about your interests and skills.There is good information available on the Internet about the hidden job market. www.workingincanada.gc.ca has a detailed section on how to build a network.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 67 052-105 14th printing 2013 4/10/13 10:38 AM Page 68

Government Dates/Events/History You need a Social Insurance On September 8, International Literacy Number (SIN) to work in Day, the United Nations invites the Canada or to obtain some global community to celebrate the government benefits. Get a importance of literacy as an instrument SIN application from a local of empowerment for people everywhere federal government office, and as tool to promote development, a post office, or local organi- tolerance, and peace. zation working with new- comers.You can also down- load the application from the web site. [DayPlanner Money Matters web site – Link #262] Pictured is the tallest wooden church in North Power of attorney Visit: www.servicecanada.gc.ca/ America located in Digby, Nova Scotia. Power of attorney eng/sin/forms.shtml to make decisions for you if you are unable to make your own decisions. For example, if you had a brain Month: injury, the person with your power of attorney could Monday Date: Tuesday Date: make decisions for you.You will need the services of a lawyer for this. People who develop dementia or Alzheimer’s power of attorney

Careers Working at home Wednesday Date: Thursday Date: More and more Canadians are able to work from their home because computers, fax machines, the Internet, and so on make it possible. If you are interested in a home-based business, you can get more information by visiting DayPlanner web site – Link #38. Some companies will also let employ homes, a

Friday Date: Saturday Date: Jobs & Business Finding a job: L Frequently, you may be interviewed and then not get the job. If that is the case, try to learn fro can improve.Ask if there may be other openings in the future.Try to learn as much as Sunday Date: you can.

68 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 69

Dates/Events/History Did You Know....? surance On September 8, International Literacy Canada’s major federal political parties work in Day, the United Nations invites the include the Liberal Party, the in some global community to celebrate the Conservative Party, the Bloc Québécois, fi s. Get a importance of literacy as an instrument and the New Democratic Party.The om a local of empowerment for people everywhere party with the most elected MPs forms t office, and as tool to promote development, the government.The second place party fi al organi- tolerance, and peace. is the Official Opposition. t new- so down- n from P anner Money Matters Education/Training 2 2] Power of attorney Private and nada.gc.ca/ Power of attorney gives someone you trust the power alternative schools m to make decisions for you if you are unable to make Some students attend your own decisions. For example, if you had a brain “private” or “alternative” injury, the person with your power of attorney could schools.The cost of make decisions for you.You will need the services of a attending such schools can lawyer for this. People who develop dementia or vary significantly.These Alzheimer’s disease may also need someone to have schools can also have power of attorney, to make decisions for them. different approaches to education and learning. For students to receive official credit, they have to follow the provincial Careers curriculum. [DayPlanner web site – Link #218] Working at home More and more Canadians are able to work from their home because computers, fax machines, the Internet, and so on make it possible. If you are interested in a home-based business, you can get more information by visiting DayPlanner web site – Link #38. Some companies will also let employers work from their homes, at least part of the time.

Jobs & Business Finding a job: Learn from the interview Frequently, you may be interviewed and then not get the job. If that is the case, try to learn from each experience.Ask why you didn’t get the job.Ask if there are ways you can improve.Ask if there may be other openings in the future.Try to learn as much as you can.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 69 052-105 14th printing 2013 4/10/13 10:38 AM Page 70

Government Dates/Events/History Health insurance The annual Run is held in and services Canada every September to commem- Provincial/territorial govern- orate his Marathon of Hope.The Run is ments in Canada provide a non-competitive event to raise money basic health services. Each in Terry’s name for cancer research, family member needs a celebrate Terry’s legacy, and help to keep health card.You can get an application from a provincial/ his dream of finding a cure for cancer territorial health ministry alive. office, a doctor’s office, a hospital, or a pharmacy. See Money Matters pages 224–225 for a list of Fredericton is the capital city of the province of New health care services covered Protecting your valuables Brunswick. Fredericton is located on the St. John River. by Canada’s medicare You should hav program. theft, or damage to your property.You may need proof of what yo Month: records of major purchases. Make a videotape of your Monday Date: Tuesday Date: possessions.That way, you have a record of what you own. Store these receipts and videos in a safe place. For added safety, keep these receipts and videos some- where outside your home. You may want to keep important records in a safety deposit box so that they are not destroyed or lost by fire or theft.

Careers Careers Wednesday Date: Thursday Date: There is no compulsory military service in Canada. However, serving in the regular (navy, army choice (w time navy, ence, skills and contacts.Young people can learn discipline, responsibility and skills by getting involved in the cadets (www.cadets.ca) emergency serv force or fire department. By helping to protect your com- munity, you follow in the footsteps of Canadians before Friday Date: Saturday Date: you who made sacrifices in the service of our country.* Jobs & Business Finding a job: E There are programs and organizations in Canada which help people find jobs. Many communities hav available or find people who can help you with your job search. Look in the phone Sunday Date: book for numbers for local employment centres, or check with someone at the town or city hall, or contact local settlement and newcomer service agencies. See page 219 for a list of some of the fe site – Link #161] 70 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 71

Dates/Events/History Did You Know....? The annual Terry Fox Run is held in The total value of goods and services Canada every September to commem- produced in Canada in 2010, according l govern- orate his Marathon of Hope.The Run is to the World Bank statistics was just provide a non-competitive event to raise money under $1.6 trillion. c s. Each in Terry’s name for cancer research, eds a celebrate Terry’s legacy, and help to keep a get an rovincial/ his dream of finding a cure for cancer ministry alive. fi fice, a rmacy. See Money Matters Education/Training r a list of e covered Protecting your valuables Home schooling care You should have insurance in case you have a fire, a An alternative to the theft, or damage to your property.You may need proof public school system of what you owned. If you can, keep invoices and is “home schooling.” records of major purchases. Make a videotape of your Parents/guardians may possessions.That way, you have a record of what you choose to have one or own. Store these receipts and videos in a safe place. more of their children For added safety, keep these receipts and videos some- educated at home.They where outside your home. You may want to keep need to arrange for at- important records in a safety deposit box so that they home instruction and to are not destroyed or lost by fire or theft. ensure their children study the same learning material that is covered by Careers schools. Home schooling is not common in Canada. Careers in the Military [DayPlanner web site – There is no compulsory military service in Canada. Link #219] However, serving in the regular Canadian Forces (navy, army and air force) can be an excellent career choice (www.forces.ca).You can serve in your local part- time navy, militia or air reserves and gain valuable experi- ence, skills and contacts.Young people can learn discipline, responsibility and skills by getting involved in the cadets (www.cadets.ca).You may also serve in the Coast Guard or emergency services in your community such as a police force or fire department. By helping to protect your com- munity, you follow in the footsteps of Canadians before you who made sacrifices in the service of our country.* Jobs & Business Finding a job: Employment centres There are programs and organizations in Canada which help people find jobs. Many communities have employment centres where you can learn about jobs that are available or find people who can help you with your job search. Look in the phone book for numbers for local employment centres, or check with someone at the town or city hall, or contact local settlement and newcomer service agencies. See page 219 for a list of some of the federal government’s employment centres. [DayPlanner web site – Link #161] CFEE’s DayPlanner Web site: www.cfeedayplanner.com 71 052-105 14th printing 2013 4/10/13 10:38 AM Page 72

Government Dates/Events/History Medicare does not cover Women’s History Month, celebrated in some health care services, October, provides Canadians with the for example, ambulance opportunity to learn more about the services, prescription drugs, historic achievements and contributions dental care, and glasses and contact lenses. Some com- of women in Canadian society.The panies do provide insurance purpose is to encourage Canadians to coverage for some services continue working together towards the that are not covered by goal of full equality for women. government plans. Contact your province/territory to check your coverage and Money Matters ask your employer what Student loans St. John, New Brunswick, is Canada’s oldest incorporated coverage your workplace city, dating back to 1785. provides. The cost of a college or unive quite high. Government loan programs help students who qualify to cov Month: loans when they complete their education.There will be Monday Date: Tuesday Date: a six-month interest-free period after completing school. See DayPlanner web site – Link #114.

Careers Parks Canada has more Wednesday Date: Thursday Date: Canada.They work at national parks, national historic sites, national marine conservation areas, national his- toric canals, a Some examples of jobs include park wardens, interpreters, historians, archaeologists and trades people. For more information on jobs available, visit the Parks Canada website at w

Friday Date: Saturday Date: Jobs & Business Finding a job: W Although many job openings in Canada are not advertised, many are. Most daily newspap notice boards in community employment centres.There are also many web sites that Sunday Date: provide information on jobs that are available. See pages 219 and 220 for a listing of some of the web sites that provide job and employer information. See pages 216–218 for tips on job hunting.

72 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 73

Dates/Events/History Did You Know....? cover Women’s History Month, celebrated in Canada’s unemployment rate for 2012 ervices, October, provides Canadians with the was 7.0%.The unemployment rate does, u ance opportunity to learn more about the however, vary throughout the country. t on drugs, historic achievements and contributions Statistics Canada is responsible for sses and me com- of women in Canadian society.The determining and reporting key Canadian insurance purpose is to encourage Canadians to statistics. e services continue working together towards the red by goal of full equality for women. s Contact r tory to age and Money Matters Education/Training e what Student loans Regard for public schools rkplace The cost of a college or university education can be Be aware that “public quite high. Government loan programs help students schooling” is held in high who qualify to cover these costs. Students repay the regard and is respected loans when they complete their education.There will be in Canada. Students who a six-month interest-free period after completing graduate from the public school. See DayPlanner web site – Link #114. school system are considered, in general, to have received a good, high quality education.

Careers Parks Canada has more than 4,000 employees across Canada.They work at national parks, national historic sites, national marine conservation areas, national his- toric canals, administrative offices and service centres. Some examples of jobs include park wardens, interpreters, historians, archaeologists and trades people. For more information on jobs available, visit the Parks Canada website at www.pc.gc.ca.

Jobs & Business Finding a job: Want ads/classifieds Although many job openings in Canada are not advertised, many are. Most daily newspapers list “job postings” in the Classified sections. Jobs are often posted on notice boards in community employment centres.There are also many web sites that provide information on jobs that are available. See pages 219 and 220 for a listing of some of the web sites that provide job and employer information. See pages 216–218 for tips on job hunting.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 73 052-105 14th printing 2013 4/10/13 10:38 AM Page 74

Government Dates/Events/History Medical services are Citizenship Week available from hospitals, The third week of October is a time to doctors, health clinics, and recognize the value of citizenship and other health care providers. immigration in building a diverse society. In emergencies, you can During this event, Canadians focus on usually call “911” and explain the emergency to the privileges, rights, and responsibilities the person who answers. If of citizenship. there is no “911” service in your community, dial “7267” (RCMP).An ambulance or Money Matters paramedics may be sent if Pictured are the skyline and CN Tower in Toronto.The necessary.You can also go Financial aid, bursaries, grants, and scholarships CN Tower was once the tallest self-supporting building to the “Emergency” In addition to loan assistance, in the world. department of a hospital. saries, grants, and scholarships available to help students pay for college, university or training programs. Some Month: of these help students who have trouble paying the Monday Date: Tuesday Date: cost of schooling. Others are granted to students who have achieved a high standing or have an exceptional ability. You can visit the DayPlanner web site – Link #115 to see what it takes to qualify and the application deadlines.

Careers The federal go Wednesday Date: Thursday Date: interactive quiz that helps you to explore your skills and abilities. I you might be interested in.To learn more, visit www.jobsetc. DayPlanner web site – Link #301.

Friday Date: Saturday Date: Jobs & Business Finding a job: L Most communities in Canada have one or more public libraries.These libraries have different kinds of resources available—books, magazines, newspapers, and so on. Many libraries are also Community Access Program (CAP) sites with computers that will Sunday Date: help you connect with resources on the Internet. Libraries, and the people who work there can be great sources of help and information.

74 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 75

Dates/Events/History Did You Know....? e Citizenship Week In 2011, the five top categories for itals, The third week of October is a time to Canadian exports were: n cs, and recognize the value of citizenship and 1. Industrial goods and materials roviders. immigration in building a diverse society. ou can 2. Energy products During this event, Canadians focus on and 3. Machinery and equipment ncy to the privileges, rights, and responsibilities 4. Automotive products swers. If of citizenship. 5. Agricultural and fishing products service in d al “7267” l nce or Money Matters Education/Training e sent if also go Financial aid, bursaries, grants, and scholarships Learning disabilities y” In addition to loan assistance, there are also many bur- Schools may help parents spital. saries, grants, and scholarships available to help students to recognize if a child has pay for college, university or training programs. Some a learning disability. of these help students who have trouble paying the Parents may also be aware cost of schooling. Others are granted to students who of a child’s learning disabil- have achieved a high standing or have an exceptional ities. If so, talk with your ability. You can visit the DayPlanner web site – Link child’s teacher. In either #115 to see what it takes to qualify and the application case, the school and deadlines. teachers will be willing to help. [DayPlanner web site – Link #220] Careers The federal government’s Job Bank website has an interactive quiz that helps you to explore your skills and abilities. It also shows you some of the careers you might be interested in.To learn more, visit www.jobsetc.gc.ca/toolbox/quizzes/abilities_quiz.do or DayPlanner web site – Link #301.

Jobs & Business Finding a job: Libraries Most communities in Canada have one or more public libraries.These libraries have different kinds of resources available—books, magazines, newspapers, and so on. Many libraries are also Community Access Program (CAP) sites with computers that will help you connect with resources on the Internet. Libraries, and the people who work there can be great sources of help and information.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 75 052-105 14th printing 2013 4/10/13 10:38 AM Page 76

Government Dates/Events/History Health card The Scotiabank Caribana Festival happens Insurance coverage for each summer in Toronto. It is the largest essential medical services Caribbean festival in North America. It is provided to all Canadian runs for three weeks and attracts over citizens. Each member of a 1million visitors.To learn more, visit: family must have a health card http://www.caribana.com/ and present it when seeking medical care. Each province/ territory has its own requirements to obtain a health card. Contact the Money Matters Ministry of Health for Canada’s Wonderland is Canada’s premier amusement information on how to obtain Employment Insurance (EI#1) park. It is located in Vaughan just north of Toronto. a health card. [DayPlanner Employment insurance amounts are web site – Link #263] workers’ pay.This money goes into a fund to help those who lose their jobs.T Month: Insurance if you lose your job, you must apply and qual- Monday Date: Tuesday Date: ify.To qualify, you need to have been employed for a certain period of time.You will also have had to con- tribute to EI.T apply and qualify.You will also have to meet certain rules to re web site – Link #116]

Careers BioTalent Canada is the compre Wednesday Date: Thursday Date: economy skills development and human resource infor- mation. C the application of living organisms to industrial, agricul- tural, medical and other pro maintain and build on this leadership, the sector needs highly trained, job-ready people. By acting as a national hub and central re students, educators and government agencies, BioTalent Canada helps make this happen.To learn more about its resourc Friday Date: Saturday Date: Link #41, o Jobs & Business Finding a job: L One of the most common reasons Canadian employers give for not hiring new immigrants to Canada is insufficient language skills. If you have difficulty with English or French, one of the best things to do to help you get a job is to get language Sunday Date: training.You can get help with assessing your language skills from many organizations. See page 214 for a list of some of these.Visit DayPlanner web site – Link #162.

76 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 77

Dates/Events/History Did You Know....? The Scotiabank Caribana Festival happens Major television networks: the CBC, CTV, for each summer in Toronto. It is the largest and Global are the three English networks; services Caribbean festival in North America. It Radio-Canada,TVA, and TQS are the three Canadian runs for three weeks and attracts over French networks.The CBC and Radio- mber of a Canada are two networks funded by the 1million visitors.To learn more, visit: government; the rest are privately owned. health card http://www.caribana.com/ n seeking Cable and satellite services provide province/ hundreds of stations.There is a fee for own these services. obtain a act the Money Matters Education/Training h for w to obtain Employment Insurance (EI#1) Continuing education P anner Employment insurance amounts are deducted from Colleges and universities 63] workers’ pay.This money goes into a fund to help have schools of those who lose their jobs.To claim Employment “Continuing Education” Insurance if you lose your job, you must apply and qual- for adults who wish to ify.To qualify, you need to have been employed for a return for more study. certain period of time.You will also have had to con- High schools/secondary tribute to EI.There will be a “waiting period” while you schools can help adults apply and qualify.You will also have to meet certain who wish to complete rules to receive employment insurance. [DayPlanner their Grade 12 education. web site – Link #116]

Careers BioTalent Canada is the comprehensive source for bio- economy skills development and human resource infor- mation. Canada is a world leader in biotechnology— the application of living organisms to industrial, agricul- tural, medical and other processes and products.To maintain and build on this leadership, the sector needs highly trained, job-ready people. By acting as a national hub and central resource for employers, job seekers, students, educators and government agencies, BioTalent Canada helps make this happen.To learn more about its resources and programs, visit DayPlanner web site – Link #41, or call (613) 235-1402. Jobs & Business Finding a job: Language One of the most common reasons Canadian employers give for not hiring new immigrants to Canada is insufficient language skills. If you have difficulty with English or French, one of the best things to do to help you get a job is to get language training.You can get help with assessing your language skills from many organizations. See page 214 for a list of some of these.Visit www.cic.gc.ca/lctvac/english/index or DayPlanner web site – Link #162.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 77 052-105 14th printing 2013 4/10/13 10:38 AM Page 78

Government Dates/Events/History Canadian citizens and Hockey Canada Week permanent residents in all Celebrated in the second week of provinces/territories are November, this is a national initiative to eligible for health insurance celebrate the start of the hockey season coverage. Some others and promote hockey in Canada. (for example, temporary workers, foreign students, refugees with a status confirmed by the Immigration and Refugee Money Matters Board) are also eligible in Ottawa is the capital city of Canada. It is located on some provinces/ Employment Insurance (EI#2) the Ontario side of the Ottawa river.Across the river territories. [DayPlanner Your employ is the city of , formerly known as Hull. web site – Link #264] as Employment Insurance and sends it to the government of Canada. If you lose your job, need Month: maternity or parental leave when a baby is born, or Monday Date: Tuesday Date: need sickness benefit some Employment Insurance support for a limited time.You can learn more about employment insurance at www.serv DayPlanner web site – Link #116.

Careers The Canadian A Wednesday Date: Thursday Date: apprenticeship programs across Canada.The CAF has a variety of projects to promote and increase access to appre or call (613) 235-4004.The Canadian Supply Chain Sector Council is committed to enhancing the sector’s ability to attract and re across the full range of functions, and to advancing the skills of those workers. [Dayplanner web site – Link #43]

Friday Date: Saturday Date: Jobs & Business Finding a job: L As with any language, there can be a difference between knowing the language and communicating effe language skills, you may want to seek some help with developing effective communi- Sunday Date: cation skills to help you when seeking a job or when you are working at a job.

78 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 79

Dates/Events/History Did You Know....? and Hockey Canada Week Canada has a large network of roads.The e ts in all Celebrated in the second week of Trans-Canada is over 8,000 kms r es are November, this is a national initiative to long and runs from the west coast to the nsurance celebrate the start of the hockey season east coast.There are relatively few “toll o hers and promote hockey in Canada. roads” in Canada.* m orary s udents, t tus fi efugee Money Matters Education/Training l gible in Employment Insurance (EI#2) Attending college or l nner Your employer deducts a small part of your paycheque university 264] as Employment Insurance and sends it to the Many young people go to government of Canada. If you lose your job, need college or university right maternity or parental leave when a baby is born, or after high school. need sickness benefits, you may be eligible to claim However, it is possible to some Employment Insurance support for a limited go to college/university at time.You can learn more about employment insurance any age. If you are older, at www.servicecanada.gc.ca/eng/sc/ei/index.shtml or at and interested in attending DayPlanner web site – Link #116. a college or university, contact any you would like to attend. Careers The Canadian Apprenticeship Forum works to support apprenticeship programs across Canada.The CAF has a variety of projects to promote and increase access to apprenticeship.Visit DayPlanner web site – Link #42, or call (613) 235-4004.The Canadian Supply Chain Sector Council is committed to enhancing the sector’s ability to attract and retain workers at all levels and across the full range of functions, and to advancing the skills of those workers. [Dayplanner web site – Link #43]

Jobs & Business Finding a job: Language As with any language, there can be a difference between knowing the language and communicating effectively. In addition to seeking ways to improve English or skills, you may want to seek some help with developing effective communi- cation skills to help you when seeking a job or when you are working at a job.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 79 052-105 14th printing 2013 4/10/13 10:38 AM Page 80

Government Dates/Events/History If you have a health card Veterans’ Week, which occurs the second and travel in Canada, you week of November, reminds Canadians will be covered for a of the sacrifices and achievements made period of time in another by Canada’s veterans during times of war province or territory. and peace. It is an opportunity to honour However, if you move to those who served Canada and continue or stay in another province/ to defend the values that Canada’s territory for an extended veterans fought and died for. time, you should contact the provincial or territorial Money Matters Ministry of Health to Pictured is the Museum of Civilization located in check out your coverage. Budgeting Gatineau, (formerly known as Hull), Quebec. A budget is a re helps you to track where your money is going. It also helps you manage your money. With a budget you can Month: see how much you save.You can also set a target for Monday Date: Tuesday Date: saving.A budget prevents you from getting into debt trouble by showing you how to avoid spending more than you earn.Y pay off yo and a financial plan. [DayPlanner web site – Link #119]

Careers The federal go Wednesday Date: Thursday Date: interactive quiz that helps you to explore the ways you like to work with people and things. Once you complete the quiz, i your answers. From there, you can explore your interest in them.To learn more, visit w toolbox/quizzes/dpt_quiz.do o Link #302.

Friday Date: Saturday Date: Jobs & Business Finding a job: L Most types of work have words, terms, and phrases that are commonly used. If you are going to look for work in a particular field, try to become familiar with these terms and phrases. Continue to develop your language and communication skills even Sunday Date: after you find a job.

80 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:38 AM Page 81

Dates/Events/History Did You Know....? h card Veterans’ Week, which occurs the second A person can join Canada’s military at ada, you week of November, reminds Canadians the age of 16.The primary role of or a of the sacrifices and achievements made Canada’s military in recent times has nother by Canada’s veterans during times of war been to support the United Nations’ tory. and peace. It is an opportunity to honour efforts around the world.* move to those who served Canada and continue r province/ to defend the values that Canada’s xtended veterans fought and died for. contact territorial Money Matters Education/Training h to verage. Budgeting Colleges and universities A budget is a record of your income and expenses. It Canada has an outstanding helps you to track where your money is going. It also system of colleges and helps you manage your money. With a budget you can universities across the see how much you save.You can also set a target for country. In general, univer- saving.A budget prevents you from getting into debt sities concentrate on trouble by showing you how to avoid spending more academic study and training than you earn.You can use a budget to help you plan to and include professional schools (such as medicine pay off your debts. It is a good idea to have a budget and law), and post-graduate and a financial plan. [DayPlanner web site – Link #119] studies. Community colleges tend to focus more on skill development Careers and specific occupational training, although there are The federal government’s Job Bank website has an certainly academic studies interactive quiz that helps you to explore the ways you at all colleges. [DayPlanner like to work with people and things. Once you web site – Link #221] complete the quiz, it suggests occupations that fit with your answers. From there, you can explore your interest in them.To learn more, visit www.jobsetc.gc.ca/ toolbox/quizzes/dpt_quiz.do or DayPlanner web site – Link #302.

Jobs & Business Finding a job: Language Most types of work have words, terms, and phrases that are commonly used. If you are going to look for work in a particular field, try to become familiar with these terms and phrases. Continue to develop your language and communication skills even after you find a job.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 81 052-105 14th printing 2013 4/10/13 10:38 AM Page 82

Government Dates/Events/History Dental costs The Toronto Film Festival is one of the Most dental care is not largest film festivals in the world. Many of covered by Canadian the world’s best films have the opening health insurance and it at “TIFF”.To learn more, visit: can be quite expensive. http://tiff.net Your employer may have an insurance program that pays for some dental treat- ment for you and your family. Money Matters

Pictured is a view of Niagara Falls, Ontario, from a Are you getting into money trouble? (#1) helicopter. Watch fo debt trouble. Month: • You fin • You are Monday Date: Tuesday Date: • You are using your savings to pay off your debts. • You are missing payments or paying bills late. See page 238 for sources of help. [DayPlanner web site – Link #118]

Careers The Canadian T Wednesday Date: Thursday Date: one-stop source for career information, programs, and assistance to help newcomers with entry into Canada’s technology

Friday Date: Saturday Date: Jobs & Business Finding a job: L If you plan to improve your language skills for living in Canada, make sure you know the language most commonly some parts of Canada, and English is more common in others. In some parts, it is Sunday Date: beneficial to know both languages.

82 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 83

Dates/Events/History Did You Know....? The Toronto Film Festival is one of the It is illegal to grow, sell, or smoke s not largest film festivals in the world. Many of marijuana in Canada. However, use of an the world’s best films have the opening marijuana has been approved for people nd it at “TIFF”.To learn more, visit: who can show that they need it as a e sive. http://tiff.net medicine. ay have g am that ntal treat- your Money Matters Education/Training

Are you getting into money trouble? (#1) Colleges and Watch for the danger signs that you are getting into universities debt trouble. Most colleges and universities in Canada are • You find you cannot save money. publicly funded.The •You are always worrying about money. tuition fees vary from • You are using your savings to pay off your debts. school to school. In • You are missing payments or paying bills late. general, tuition costs are higher at university than See page 238 for sources of help. at college.Tuition fees also [DayPlanner web site – Link #118] vary from province to province. [DayPlanner web site – Link #222] Careers The Canadian Technology Immigration Network is a one-stop source for career information, programs, and assistance to help newcomers with entry into Canada’s technology professions. http://ctin.ca

Jobs & Business Finding a job: Language If you plan to improve your language skills for living in Canada, make sure you know the language most commonly used where you will live. French is more common in some parts of Canada, and English is more common in others. In some parts, it is beneficial to know both languages.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 83 052-105 14th printing 2013 4/10/13 10:39 AM Page 84

Government Dates/Events/History Dental care is usually of a The Montreal Jazz Festival takes place in very high quality, and there late June or early July.This festival are dentists in most com- attracts some of the leading jazz artists munities. Make sure you in the world. For more information visit: use the services of a www.montrealjazzfest.com licensed dentist in a licensed dental facility.To learn more, visit DayPlanner web site – Link #265 to link to dental Money Matters associations. is the capital city of the province of Are you getting into money trouble? (#2) Manitoba—one of Canada’s prairie provinces. Watch fo debt trouble. Month: • Your cre • You are borrowing money to pay back other debts. Monday Date: Tuesday Date: • You are borrowing to pay for basic living costs such as fo • You are confused about how much you owe. See pages 238–239 for sources of help.

Careers The federal go Wednesday Date: Thursday Date: interactive quiz that helps you to explore what you feel is important in terms of a work environment. To learn more values_quiz.do o

Friday Date: Saturday Date: Jobs & Business Industry associations Many industries in Canada have their own associations.These industry associations provide information on the specific industry and often provide employment infor- mation.They are interested in trying to help make sure that the businesses in the Sunday Date: industry can find the trained and skilled workers that they need. See pages 228–229 for a list of some of the major industry associations. [DayPlanner web site – Link #163]

84 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 85

Dates/Events/History Did You Know....? ally of a The Montreal Jazz Festival takes place in Corruption is rare in Canada’s police and there late June or early July.This festival services. Police officers can usually be ost com- attracts some of the leading jazz artists trusted. Payoffs or bribes are uncommon u e you in the world. For more information visit: and illegal. It is expected that police will o a www.montrealjazzfest.com show you respect and that you will a respect the police. lity.To s te – Link ental Money Matters Education/Training

Are you getting into money trouble? (#2) Colleges and Watch for the danger signs that you are getting into universities debt trouble. Graduates of colleges and universities receive a • Your credit cards are at their maximum. degree, diploma, or certifi- • You are borrowing money to pay back other debts. cate of some sort.The • You are borrowing to pay for basic living costs such degree received varies as food and rent. with the type of program studied and the length of • You are confused about how much you owe. the program. See pages 238–239 for sources of help. Undergraduate degrees usually require three to four years of study. Careers Master’s degrees involve one or more years of The federal government’s Job Bank website has an study after completing an interactive quiz that helps you to explore what you undergraduate degree. feel is important in terms of a work environment. A doctorate degree can To learn more, www.jobsetc.gc.ca/toolbox/quizzes/ involve several more years values_quiz.do or DayPlanner web site – Link #303. of study after completing a master’s degree.

Jobs & Business Industry associations Many industries in Canada have their own associations.These industry associations provide information on the specific industry and often provide employment infor- mation.They are interested in trying to help make sure that the businesses in the industry can find the trained and skilled workers that they need. See pages 228–229 for a list of some of the major industry associations. [DayPlanner web site – Link #163]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 85 052-105 14th printing 2013 4/10/13 10:39 AM Page 86

Government Dates/Events/History Governments try to help International Volunteer Day: December 5 people who are unable to provides an opportunity for volunteer provide for themselves and organizations and individual volunteers their families. Government to work together in worldwide programs include: campaigns to bring an increased visibility • Canada Child Tax Benefit to the contributions of volunteers to • Canada Pension Plan economic and social development at • Old Age Security local, national, and international levels. • Guaranteed Income Supplement • Workers’ Compensation • Employment Insurance Money Matters • Social Assistance Regina is the capital city of the province of Insurance—property [DayPlanner web site – Link Saskatchewan—one of Canada’s prairie provinces. You will want to insure #266] own, such as your home, car, jewelry, furniture, boat, and other valuables a Month: Insurance Bureau of Canada lists companies that offer Monday Date: Tuesday Date: property insurance at h insurance and experience a fire, theft or loss you will need to contact yo “claim”.The company will work with you to set a value on the claim and possible pay

Careers ECO Canada (Env Wednesday Date: Thursday Date: Canada) offers numerous resources and programs to help those who are ronment industry. Learn more about ECO Canada at DayPlanner we 0748. Engineers Canada offers information on pro- grams and services related to professional engineering. It is the national organization of all the associations regulating engineering, and licensing engineers, in Canada. Learn more about Engineers Canada at DayPlanner we Friday Date: Saturday Date: Jobs & Business In a part nership agreement is needed, and a lawyer should help to prepare it. Usually, at least one part sibility fo the owner(s) with unlimited liability can be seized and sold to pay back company Sunday Date: debts. [DayPlanner web site – Link #199]

86 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 87

Dates/Events/History Did You Know....? o help International Volunteer Day: December 5 Hockey is Canada’s national winter sport nable to provides an opportunity for volunteer and lacrosse is Canada’s national summer elves and organizations and individual volunteers sport. Hockey is particularly popular, and v rnment to work together in worldwide many young people participate in both campaigns to bring an increased visibility these sports as well as soccer, baseball, enefit to the contributions of volunteers to swimming, and other sports.* an economic and social development at local, national, and international levels. upplement n ation ance Money Matters Education/Training Insurance—property Colleges and te – Link You will want to insure the more valuable things you universities own, such as your home, car, jewelry, furniture, boat, Colleges and universities and other valuables against damage or loss.The offer a very wide range of Insurance Bureau of Canada lists companies that offer programs and areas of property insurance at http://www.ibc.ca. If you have study.The DayPlanner web insurance and experience a fire, theft or loss you will site – Link #223 provides need to contact your insurance company to make a a link to colleges and uni- “claim”.The company will work with you to set a value versities across Canada.To on the claim and possible payment. see the kinds of programs offered, select a university or college and click on Calendar or Programs. Careers ECO Canada (Environmental Careers Organization of Canada) offers numerous resources and programs to help those who are interested in a career in the envi- ronment industry. Learn more about ECO Canada at DayPlanner web site – Link #46, or call (403) 233- 0748. Engineers Canada offers information on pro- grams and services related to professional engineering. It is the national organization of all the associations regulating engineering, and licensing engineers, in Canada. Learn more about Engineers Canada at DayPlanner web site – Link #47, or call (613) 232-2474.

Jobs & Business In a partnership, two or more individuals join together to set up the business.A part- nership agreement is needed, and a lawyer should help to prepare it. Usually, at least one partner must have “unlimited liability,” which means this partner accepts respon- sibility for any debts of the company. If the company fails, the personal property of the owner(s) with unlimited liability can be seized and sold to pay back company debts. [DayPlanner web site – Link #199]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 87 052-105 14th printing 2013 4/10/13 10:39 AM Page 88

Government Dates/Events/History There are certain require- National Day of Remembrance and ments for obtaining federal Action on Violence Against Women: government benefits. In December 6 marks the anniversary of some cases, a person must the deaths of fourteen women who were have contributed to the killed in 1989 at l’École Polytechnique in program. In other cases, Montréal, Québec.The day represents a the benefit is limited to time to reflect on the continuing those who earn below a violence committed against women. certain level of income. To qualify for benefits, a Money Matters person must have a Social is the second largest city in the province of Insurance Number. Travel insurance Saskatchewan. Canada’s leave the country. If you travel outside of Canada, you may need to get “out of country” insurance. This Month: insurance may not be part of your regular insurance Monday Date: Tuesday Date: plan. If you have an insurance agent, see if you are pro- tected outside of Canada. If not, find out how to get private, out-of-country medical insurance. [DayPlanner web site – Link #123]

Careers The federal go Wednesday Date: Thursday Date: interactive quiz that helps you to explore your inter- ests and the way ests can help you decide on a career direction.To learn more, visit: w interests_quiz.do o

Friday Date: Saturday Date: Jobs & Business Volunteering: W Volunteering is a good way to get work experience in Canada, make connections, develop skills, and create a network.There are many opportunities in most communi- ties to do volunteer work. If you are interested, talk with people at the city or town Sunday Date: hall, churches, synagogues, mosques, temples, community centres, and so on.You will often find opportunities to volunteer.There may be more opportunities in some fields of work than others. [DayPlanner web site – Link #165]

88 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 89

Dates/Events/History Did You Know....? require- National Day of Remembrance and Canada has seven teams in the National ng federal Action on Violence Against Women: Hockey League (NHL): December 6 marks the anniversary of fits. In • Calgary Flames • Ottawa Senators r on must the deaths of fourteen women who were o the killed in 1989 at l’École Polytechnique in • Oilers • Toronto Maple Leafs cases, Montréal, Québec.The day represents a •Vancouver Canucks • Montréal Canadiens ed to time to reflect on the continuing b low a violence committed against women. • Winnipeg Jets come. n fits, a Money Matters Education/Training e a Social e Travel insurance Colleges and universities Canada’s health care coverage is limited when you Canada’s community leave the country. If you travel outside of Canada, you colleges tend to offer more may need to get “out of country” insurance. This skills and occupational insurance may not be part of your regular insurance training than universities plan. If you have an insurance agent, see if you are pro- do. Universities tend to tected outside of Canada. If not, find out how to get emphasize academic study. private, out-of-country medical insurance. [DayPlanner If you are interested in a web site – Link #123] training program, the Association of Canadian Community Colleges web site provides a list of its member colleges in each Careers province and territory with web links for The federal government’s Job Bank website has an program information. interactive quiz that helps you to explore your inter- www.accc.ca/xp/index.php ests and the way you like to work. Knowing your inter- /en/members/member ests can help you decide on a career direction.To learn institutions or DayPlanner more, visit: www.jobsetc.gc.ca/toolbox/quizzes/ web site – Link #224. interests_quiz.do or DayPlanner web site – Link #304.

Jobs & Business Volunteering: Workplace experience Volunteering is a good way to get work experience in Canada, make connections, develop skills, and create a network.There are many opportunities in most communi- ties to do volunteer work. If you are interested, talk with people at the city or town hall, churches, synagogues, mosques, temples, community centres, and so on.You will often find opportunities to volunteer.There may be more opportunities in some fields of work than others. [DayPlanner web site – Link #165]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 89 052-105 14th printing 2013 4/10/13 10:39 AM Page 90

Government Dates/Events/History Social assistance refers to The Vikings were the first Europeans to government efforts to help arrive in Canada. Ruins of some of their people in need.This type of early times here can still be seen in support, often called welfare, Newfoundland and Labrador. provides help to those who do not qualify for other benefits. Social assistance is usually provided by munic- ipal and provincial/territorial governments and may help to pay for food, shelter, Money Matters clothing, daycare, prescrip- Pictured is the dam at Nipawin, Saskatchewan. tion drugs, and health serv- Social safety net ices. [DayPlanner web site – In Canada, e Link #267] basic living costs of food, clothing, and shelter. Social assistance pro Month: Annual Income, and Old Age Security, provide support Monday Date: Tuesday Date: to those in financial need. For more information on the programs that provide income assistance, and to find out if yo eng/subjects/benefits/index.shtml o site – Link #120. S wages in each part of Canada.

Careers The Canadian Council of Pro Wednesday Date: Thursday Date: works to ensure fish harvesters have the knowledge and skills to meet the needs of Canada’s try. Learn more about CCPFH at DayPlanner web site – Link #48, o Council of Technicians and Technologists works to ensure that Canada’s technicians and technologists have the know as world leader in the application of new technology. Learn more about CCTT at DayPlanner web site – Link #49, o Friday Date: Saturday Date: Jobs & Business There are a number of major newspapers and magazines in Canada that provide information on Canadian and international businesses.The two national newspapers are the G larger cities. [ Sunday Date:

90 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 91

Dates/Events/History Did You Know....? fers to The Vikings were the first Europeans to Canada has one Major League Baseball t to help arrive in Canada. Ruins of some of their team, the Toronto Blue Jays, and one h s type of early times here can still be seen in National Basketball Association (NBA) d welfare, Newfoundland and Labrador. team, the Toronto Raptors.The Toronto ose who Blue Jays have won the World Series of ther baseball twice in 1992 and 1993. fi stance is b munic- / erritorial may help helter, Money Matters Education/Training prescrip- a th serv- Social safety net Colleges and web site – In Canada, every person should be able to afford the universities basic living costs of food, clothing, and shelter. Social Many universities have assistance programs, such as welfare, Guaranteed special schools associated Annual Income, and Old Age Security, provide support with them.These schools to those in financial need. For more information on the focus on specific profes- programs that provide income assistance, and to find sional training, such as out if you qualify, visit http://www.servicecanada.gc.ca/ business, law, medicine, eng/subjects/benefits/index.shtml or DayPlanner web engineering, and so on. site – Link #120. See page 233 for info on minimum Most university web sites wages in each part of Canada. provide links to these special programs.The costs to attend these Careers special programs can be higher than regular tuition The Canadian Council of Professional Fish Harvesters fees. works to ensure fish harvesters have the knowledge and skills to meet the needs of Canada’s fishing indus- try. Learn more about CCPFH at DayPlanner web site – Link #48, or call (613) 235-3474.The Canadian Council of Technicians and Technologists works to ensure that Canada’s technicians and technologists have the knowledge and skills to maintain Canada’s position as world leader in the application of new technology. Learn more about CCTT at DayPlanner web site – Link #49, or call (613) 238-8123.

Jobs & Business There are a number of major newspapers and magazines in Canada that provide information on Canadian and international businesses.The two national newspapers are and the National Post.There are also major local papers in larger cities. [DayPlanner web site – Link #205]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 91 052-105 14th printing 2013 4/10/13 10:39 AM Page 92

Government Dates/Events/History A person injured at work John Cabot sailed from Europe to the may be able to receive Americas in 1497 and claimed the “New benefits.A provincial or Found Land” for . He was the territorial Workers’ first to map the east coast of Canada. Compensation Board makes decisions about who qualifies for benefits and assistance.The Board will look at medical reports and other evidence to Money Matters determine whether or not Canada’s prairie provinces have large areas of flat the injury was related to Watch out for high interest costs and fees lands—ideal for growing crops.The picture here is “Payday near Cudmore, Saskatchewan. work. loaning services often charge fees and interest rates that are higher than those charged by banks. People Month: sometimes need money before they get their next Monday Date: Tuesday Date: paycheque.Try to budget your money to last through until payday; this way, you don’t need to use high cost money s

Careers The Blueprint fo Wednesday Date: Thursday Date: help you to discover the skills, knowledge, and attitudes to manage yo eng/blueprint/categories.jsp?category_id=1100&root_id =1080&call_id=615 o

Friday Date: Saturday Date: Jobs & Business If you are planning to work in Canada you will probably welcome all the help you can get.The Government of Canada has produced a workbook called “Planning to work in Canada?” You can find this workbook at www.credentials.gc.ca/immigrants/workbook/workbook.pdf. Sunday Date: Be aware that in Canada a worker has the right to refuse unsafe work.You can learn more about this at the following web sites: http://www.servicecanada.gc.ca/eng/about/publication/workers_rights.shtml http://www.servicecanada.gc.ca/eng/about/publication/foreign/index.shtml 92 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 93

Dates/Events/History Did You Know....? t work John Cabot sailed from Europe to the Canadian football is different from e eive Americas in 1497 and claimed the “New soccer or rugby.The eight Canadian fi al or Found Land” for England. He was the Football League (CFL) teams are: s’ first to map the east coast of Canada. • British Columbia Lions • Calgary Stampeders ard • Edmonton Eskimos • Hamilton Tiger-Cats about who • Montréal Alouettes • Toronto Argonauts fi ts and • Winnipeg Blue Bombers • Saskatchewan Roughriders oard will eports ce to Money Matters Education/Training er or not l ted to Watch out for high interest costs and fees Colleges and “Payday loans,” “cheque-cashing services” and cash universities loaning services often charge fees and interest rates In addition to publicly that are higher than those charged by banks. People funded community sometimes need money before they get their next colleges, there are also paycheque.Try to budget your money to last through privately funded training until payday; this way, you don’t need to use high cost colleges. DayPlanner web money services. site – Link #225 provides a link to many of these private training colleges. Here you can review the kinds of training programs they offer as well as the Careers costs to attend. Check The Blueprint for Life/Work Quiz and Learning Plan can that the school is help you to discover the skills, knowledge, and attitudes accredited and well to manage your life.To learn more, visit www.jobsetc.gc.ca/ regarded. eng/blueprint/categories.jsp?category_id=1100&root_id =1080&call_id=615 or DayPlanner web site – Link #305.

Jobs & Business If you are planning to work in Canada you will probably welcome all the help you can get.The Government of Canada has produced a workbook called “Planning to work in Canada?” You can find this workbook at www.credentials.gc.ca/immigrants/workbook/workbook.pdf. Be aware that in Canada a worker has the right to refuse unsafe work.You can learn more about this at the following web sites: http://www.servicecanada.gc.ca/eng/about/publication/workers_rights.shtml http://www.servicecanada.gc.ca/eng/about/publication/foreign/index.shtml CFEE’s DayPlanner Web site: www.cfeedayplanner.com 93 052-105 14th printing 2013 4/10/13 10:39 AM Page 94

Government Dates/Events/History Many newcomers want to From 1534 to 1542, Jacques Cartier know how to have their made three voyages to what was to education and qualifications become Canada. He charted the Gulf assessed in Canada.The of St. Lawrence and, having heard the Foreign Credentials Referral Iroquoian word “kanata”, is credited with Office of Citizenship and naming Canada. Immigration Canada provides information, path-finding, and referral services that help internationally trained Money Matters individuals get their creden- Edmonton is the capital city of the province of tials assessed in Canada. Financial Consumer Agency of Canada (FCAC) Alberta. [DayPlanner web site – Link The FCA #268] www.credentials.gc.ca in providing answers to questions about money and banking.Their web site provides help with information Month: on how to choose the right credit card, manage credit Monday Date: Tuesday Date: and borr visit: www.fcac-acfc.gc.ca.

Careers The Fore Wednesday Date: Thursday Date: a loans program to help internationally trained individuals with the costs of getting their credentials assessed and recognized. L

Friday Date: Saturday Date: Jobs & Business Name of your Occupation in Canada In Canada, your job may be known by a different name.The “Working in Canada Tool” can help yo name of your job and the tool will search for the name it goes by in Canada.To learn Sunday Date: more, visit: w

94 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 95

Dates/Events/History Did You Know....? want to From 1534 to 1542, Jacques Cartier Canadian inventions include: e their made three voyages to what was to • electric light bulb • insulin a fications become Canada. He charted the Gulf a.The of St. Lawrence and, having heard the • garbage bag • jetliner l Referral Iroquoian word “kanata”, is credited with • heart pacemaker • kerosene fi p and naming Canada. • hydrofoil boat • newsprint* provides nding, c s that trained Money Matters Education/Training i creden- C nada. Financial Consumer Agency of Canada (FCAC) Colleges and s te – Link The FCAC is a federal government agency. It can help universities ntials.gc.ca in providing answers to questions about money and The costs to attend banking.Their web site provides help with information college and university can on how to choose the right credit card, manage credit be quite high.This is espe- and borrowing, basic banking and more.To learn more, cially true if a student is visit: www.fcac-acfc.gc.ca. living away from home. If a student, or his or her family, is not able to afford the tuition costs, many programs provide student loans, grants, bursaries, and scholarships. Day- Careers Planner web site – Link #226 links to many of the The Foreign Credential Recognition Program is piloting programs that offer this a loans program to help internationally trained individuals kind of financial assistance. with the costs of getting their credentials assessed and recognized. Learn more about this program on page 223.

Jobs & Business Name of your Occupation in Canada In Canada, your job may be known by a different name.The “Working in Canada Tool” can help you find the name and description of your occupation.You simply enter the name of your job and the tool will search for the name it goes by in Canada.To learn more, visit: www.workingincanada.gc.ca/content_pieces-eng.do?cid=1&lant=eng.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 95 052-105 14th printing 2013 4/10/13 10:39 AM Page 96

Government Dates/Events/History The federal government In 1535, Samuel de Champlain arrived in maintains a “Job Bank” web Canada and sailed up the St. Lawrence site listing job vacancies River. Champlain eventually founded across Canada. There are Quebec City in 1608—the first permanent other “job bank” sites as European settlement in Canada. well such as “Job Connect” in Ontario. Some sites enable you to post your résumé online for review by potential employers. Money Matters Some sites require a fee. Pictured are the unique “Hoodoos” located east of [DayPlanner web site – Types of accommodation Drumheller in the province of Alberta. Link #269] There are http://www.jobbank.gc.ca houses, townhouses, apartments, co-ops, and so on.You can choose to re Month: what you can afford and how you want to live. Some Monday Date: Tuesday Date: rentals will require a “lease” where you will have to pay a monthly rent for the period of the lease—for exam- ple, one year. Some places rent month to month. Visit DayPlanner web site – Link #124 to learn more about these different types of housing.

Careers The Police and Security Skills Collaborative Wednesday Date: Thursday Date: national initiative to identify common human resource challenges and to fin human resource issues in the policing community. [Dayplanner we

Friday Date: Saturday Date: Jobs & Business Minimum wage When you become an employee, there is a minimum wage that an employer has to pay you.The minimum wage is different from province to province. See page 233 for a list of the minimum wage levels in each province and territory. For the most Sunday Date: up-to-date information, go to DayPlanner web site – Link #167.

96 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 97

Dates/Events/History Did You Know....? ment In 1535, Samuel de Champlain arrived in Canadian inventions include: Bank” web Canada and sailed up the St. Lawrence • music synthesizer • telephone c ncies River. Champlain eventually founded here are Quebec City in 1608—the first permanent • lawn sprinkler • wireless radio s tes as European settlement in Canada. • screw propeller • zipper Connect” ites • snowmobile • snowblower* s your r review oyers. Money Matters Education/Training r a fee. ite – Types of accommodation Colleges and There are many different types of housing in Canada— universities nk.gc.ca houses, townhouses, apartments, co-ops, and so on.You One way to save for can choose to rent or buy accommodation based on future education and what you can afford and how you want to live. Some training is through a rentals will require a “lease” where you will have to pay Registered Education a monthly rent for the period of the lease—for exam- Savings Plan (RESP).The ple, one year. Some places rent month to month. return on investments in Visit DayPlanner web site – Link #124 to learn more an RESP program is tax about these different types of housing. free.This enables the savings to grow faster. Learn more at http://www.hrsdc.gc.ca/ Careers eng/learning/education The Police and Security Skills Collaborative (PSC) is a _savings/index.shtml or national initiative to identify common human resource DayPlanner web site – challenges and to find innovative solutions to urgent Link #227. human resource issues in the policing community. [Dayplanner web site – Link #52]

Jobs & Business Minimum wage When you become an employee, there is a minimum wage that an employer has to pay you.The minimum wage is different from province to province. See page 233 for a list of the minimum wage levels in each province and territory. For the most up-to-date information, go to DayPlanner web site – Link #167.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 97 052-105 14th printing 2013 4/10/13 10:39 AM Page 98

Government Dates/Events/History

Citizenship and In 1610, Étienne Brûlé became the first Immigration Canada, a European to see and sail in the Great department of the federal Lakes of Ontario, Huron, and Superior. government, funds a web site that provides links to information that will be useful for newcomers to Canada. [DayPlanner web site – Link #270] See page 210 for contact informa- Money Matters tion for Citizenship and Calgary is the largest city in Alberta and was host to Immigration Canada.* Borrowing the 1988 Winter Olympic Games. www.cic.gc.ca If you need money emergency, you can try to obtain a loan from a financial institution.You will need to apply and qualify.Your Month: income and credit rating will be important factors Monday Date: Tuesday Date: which will determine if yo loan.The amount you can borrow, and the interest rate you pay, history w institution for more information. [DayPlanner web site – Link #122]

Careers JobsTVnew Wednesday Date: Thursday Date: on different careers and career-related information.To learn more, visit h web site – Link #306.

Friday Date: Saturday Date: Jobs & Business Average work week and overtime The average work week is usually between 35 and 40 hours. Before you start a job, you should ask what the hours of work will be.The average work day is usually 7 to 8 hours. If that is agreed to as the expected of amount of time, you may be eligible for Sunday Date: “overtime pay” if you work for more hours. Hours of work and overtime pay are governed by provincial or territorial labour legislation.

98 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 99

Dates/Events/History Did You Know....?

In 1610, Étienne Brûlé became the first Canadian inventions include: a, a European to see and sail in the Great • walkie-talkie • electric streetcar e federal Lakes of Ontario, Huron, and Superior. s a web • frozen food • chocolate nut bar inks to • IMAX • five-pin bowling will be • instant potatoes • electron microscope* mers to ner web ee page n orma- Money Matters Education/Training h p and a.* Borrowing Colleges and If you need money to buy a house or a car, or for an universities emergency, you can try to obtain a loan from a financial Many students live away institution.You will need to apply and qualify.Your from home when they income and credit rating will be important factors study at a college or which will determine if you are eligible to receive the university. Most colleges loan.The amount you can borrow, and the interest rate and universities have resi- you pay, depend on your income, credit rating, and dences or dormitories history with the lending institution. Contact a financial (nicknamed dorms) that institution for more information. [DayPlanner web site – can accommodate some Link #122] students. Other students live in houses or apart- ments while they are away Careers at school.The residences usually provide meals for JobsTVnews.com is a website that has over 600 videos students. Students living in on different careers and career-related information.To a house or apartment learn more, visit http://jobstvnews.com or DayPlanner have to arrange for their web site – Link #306. own meals.

Jobs & Business Average work week and overtime The average work week is usually between 35 and 40 hours. Before you start a job, you should ask what the hours of work will be.The average work day is usually 7 to 8 hours. If that is agreed to as the expected of amount of time, you may be eligible for “overtime pay” if you work for more hours. Hours of work and overtime pay are governed by provincial or territorial labour legislation.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 99 052-105 14th printing 2013 4/10/13 10:39 AM Page 100

Government Dates/Events/History Federal and provincial/ In 1670, King Charles II granted the territorial laws are in place Hudson Bay Company the rights to the to protect workers.These lands which had water flowing into laws set health and safety Hudson’s Bay.The company is a significant standards, hours of work, part of Canada’s history and exists to provisions for maternity this day. leave, and so on.As an employee, you are entitled to certain rights. See page 225 for a list of some Money Matters rights you should be aware Logging, lumber, and pulp and paper are major industries of. Credit rating in Canada—especially in B.C. and New Brunswick.This When yo picture is near Squamish, B.C. interested in your credit rating.There are companies that keep a record of how good you are at paying your Month: bills and paying them on time. Pay your bills, and pay Monday Date: Tuesday Date: them on time, to keep a good credit rating. For more information on checking your credit rating and score, visit www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02179.html.

Careers Citizenship and Immigration Canada has dev Wednesday Date: Thursday Date: an International Qualifications Network web site (www.cre of this web site is to promote collaboration on information re of international qualifications.The IQN Web site enables registered members to share information about their own initiatives and provide feedback on others.

Friday Date: Saturday Date: Jobs & Business Labour unions Employees of some companies will be members of a workers’ union.The union leaders will re protect the workers’ rights and ensure workplace safety. Unions will bargain for Sunday Date: wages, salaries and benefits on behalf of the members. Members will pay “dues” to support union activities and staff. [DayPlanner web site – Link #168]

100 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 101

Dates/Events/History Did You Know....? cial/ In 1670, King Charles II granted the Canadian inventions include: in place Hudson Bay Company the rights to the • Muskol • snow shoes rs.These lands which had water flowing into • paint roller • kayak n safety Hudson’s Bay.The company is a significant of work, part of Canada’s history and exists to • pablum • undersea telegraph cable ternity this day. • toboggan • green ink used in money* As an entitled See page ome Money Matters Education/Training be aware Credit rating Colleges and When you apply for a loan, financial institutions will be universities interested in your credit rating.There are companies Some job opportunities that keep a record of how good you are at paying your are available for students bills and paying them on time. Pay your bills, and pay at colleges and universi- them on time, to keep a good credit rating. For more ties. Students can work information on checking your credit rating and score, as teaching assistants, visit www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02179.html. research assistants, in the library, and so on. Interested students can contact the college or university to learn what opportunities are available. Careers Citizenship and Immigration Canada has developed an International Qualifications Network web site (www.credentials-competences.gc.ca/).The purpose of this web site is to promote collaboration on information related to the assessment and recognition of international qualifications.The IQN Web site enables registered members to share information about their own initiatives and provide feedback on others.

Jobs & Business Labour unions Employees of some companies will be members of a workers’ union.The union leaders will represent the employees in dealings with the owners/managers and to protect the workers’ rights and ensure workplace safety. Unions will bargain for wages, salaries and benefits on behalf of the members. Members will pay “dues” to support union activities and staff. [DayPlanner web site – Link #168]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 101 052-105 14th printing 2013 4/10/13 10:39 AM Page 102

Government Dates/Events/History If you plan to work in a The French and British fought for regulated occupation that control of the Americas in the 1700s. In requires licensing or certifi- 1759 the British won at the Battle of the cation before you can start Plains of Abraham at Quebec City and working, you may have to won control over the Americas. pass an exam or take a test. Visit the Foreign Credentials Referral Office web site and use the Working in Canada Tool to find out who you need to contact. [Day- Money Matters Planner web site – Link Vancouver is located on Canada’s beautiful west coast #154]* Car Insurance and was host to the 2010 Winter Olympics. www.credentials.gc.ca If you drive a car, you must have auto insurance. Some www.workingincanada.gc.ca provinces (Saskatchewan, Manitoba, and British Columbia) hav Month: companies.The better your driving record, the lower the cost of insurance. Get quotes from different Monday Date: Tuesday Date: companies and compare violations, and number of accidents will affect the cost of your insurance. Do not drive a car unless you have insurance. Driving without insurance is against the law. If you get in an accident, the costs related to repairs and injuries can be very high.

Careers The federal go Wednesday Date: Thursday Date: an idea of what people are paid in various occupations across Canada.You can enter a province or territory and an occupation, a much that position (in that area) is usually paid.To learn more, visit w labour_marke web site – Link #307.

Friday Date: Saturday Date: Jobs & Business Vacations When you work as a full-time employee for a company, you should receive some paid vacation time ov the length of time yo Sunday Date: or longer.You should be paid for this time.Vacation time is governed by labour legisla- tion which varies from province to province.You also need to make arrangements with your employ that applies to you, visit the DayPlanner website – Link #300. 102 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 103

Dates/Events/History Did You Know....? in a The French and British fought for Canadian inventions include: ion that control of the Americas in the 1700s. In • laser sailboat • acetylene or certifi- 1759 the British won at the Battle of the an start Plains of Abraham at Quebec City and • Trivial Pursuit • anti-gravity suit ave to won control over the Americas. • roller skates • electric car heater ake a test. Credentials • JAVA computer programming language fi b site and • automatic postal sorter* n Canada fi ho you Day- Money Matters Education/Training – Link Car Insurance Colleges and universities c ca If you drive a car, you must have auto insurance. Some The academic year for a ada.gc.ca provinces (Saskatchewan, Manitoba, and British college or university tends Columbia) have government-owned insurance to run from September companies.The better your driving record, the lower to April.This provides the cost of insurance. Get quotes from different students with a summer companies and compare.Your driving record, traffic period that is about four violations, and number of accidents will affect the cost months long.This is when of your insurance. Do not drive a car unless you have many students get insurance. Driving without insurance is against the law. summer jobs to earn If you get in an accident, the costs related to repairs and injuries can be very high. money towards their tuition or living costs. Many employers offer Careers summer positions because The federal government has a website that lets you get their full-time workers an idea of what people are paid in various occupations take summer vacations. across Canada.You can enter a province or territory Many seasonal summer and an occupation, and the website will show how jobs are available to much that position (in that area) is usually paid.To students. It is also possible learn more, visit www.hrsdc.gc.ca/eng/workplace.skills/ to enrol in summer labour_market_information/index.shtml or DayPlanner programs at colleges and web site – Link #307. universities.

Jobs & Business Vacations When you work as a full-time employee for a company, you should receive some paid vacation time over the course of the year.The amount of time will usually depend on the length of time you have worked for the company. It can be one week, two weeks, or longer.You should be paid for this time.Vacation time is governed by labour legisla- tion which varies from province to province.You also need to make arrangements with your employer for the time you will take off. For details on the labour legislation that applies to you, visit the DayPlanner website – Link #300. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 103 052-105 14th printing 2013 4/10/13 10:39 AM Page 104

Government Dates/Events/History The Working in Canada In 1775, during the Battle of the Plains of Tool can help newcomers Abraham, both the leader of the British to Canada decide where to forces (James Wolfe) and the French live and work.A newcomer forces (Marquis de Montcalm) were can get information on job killed while leading their troops. descriptions and job prospects and links to cur- rent job offers and lan- guage training resources for anywhere in Canada. Money Matters www.workingincanada.gc.ca Downhill skiing is a popular winter sport in Canada. or visit DayPlanner web Buying a home: Prices vary A popular ski area is Blackcomb/Whistler Mountain in site – Link #272. The cost of a home varies acro Whistler, B.C.—pictured above. to cost less in smaller and more rural communities. According to the Canadian Real Estate Association, the Month: average price of a home in Canada in A Monday Date: Tuesday Date: about $350,192. Homes tend to be most expensive in cities such as Vancouver and Toronto. Because of rising costs, more people are buying condominiums and more “condos” are being built. See page 239 for a list of average home prices across Canada. [DayPlanner web site – Link #126]

Careers The Canadian T Wednesday Date: Thursday Date: motes professionalism within Canada’s tourism indus- try. It focuses its work on tourism training, professional certification, and helping to address the industry’s labour needs. L DayPlanner web site – Link #55, or call (613) 231-6949. The Canadian Trucking Human Resources Council works to assist the Canadian trucking industry to recruit, train, and retain the labour resources needed by the industry. Learn more about the CTHRC at DayPlanner we Friday Date: Saturday Date: Jobs & Business Statutory holidays There are some days when most companies close for the day and workers are given a holiday Full-time employees are paid for these holidays. Usually, part-time and contracted Sunday Date: workers are not paid for these holidays. [DayPlanner web site – Link #169]

104 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 052-105 14th printing 2013 4/10/13 10:39 AM Page 105

Dates/Events/History Did You Know....? anada In 1775, during the Battle of the Plains of For the most part, Canada uses the wcomers Abraham, both the leader of the British metric system of measurement.There e where to forces (James Wolfe) and the French are still some places, and some industries, newcomer forces (Marquis de Montcalm) were that use non-metric measurements. on on job killed while leading their troops. 1 metre = 3.281 feet job 1 kilometre = .621 miles ks to cur- 1 kilogram = 2.205 pounds d lan- s urces Canada. Money Matters Education/Training nada.gc.ca er web Buying a home: Prices vary Colleges and The cost of a home varies across Canada. Homes tend universities to cost less in smaller and more rural communities. The Association of According to the Canadian Real Estate Association, the Universities and Colleges average price of a home in Canada in August 2012 was in Canada (AUCC) web about $350,192. Homes tend to be most expensive in site provides links to cities such as Vancouver and Toronto. Because of universities and colleges rising costs, more people are buying condominiums and across Canada.Visit more “condos” are being built. See page 239 for a list www.aucc.ca or of average home prices across Canada. [DayPlanner DayPlanner web site – web site – Link #126] Link #228.

Careers The Canadian Tourism Human Resource Council pro- motes professionalism within Canada’s tourism indus- try. It focuses its work on tourism training, professional certification, and helping to address the industry’s labour needs. Learn more about the CTHRC at DayPlanner web site – Link #55, or call (613) 231-6949. The Canadian Trucking Human Resources Council works to assist the Canadian trucking industry to recruit, train, and retain the labour resources needed by the industry. Learn more about the CTHRC at DayPlanner web site – Link #56, or call (613) 244-4800.

Jobs & Business Statutory holidays There are some days when most companies close for the day and workers are given a holiday. Many of these are national holidays all across Canada.A few are provincial. Full-time employees are paid for these holidays. Usually, part-time and contracted workers are not paid for these holidays. [DayPlanner web site – Link #169]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 105 106-157 14th printing 2013 4/10/13 10:53 AM Page 106

Government Dates/Events/History The federal government In 1758 there was a legislative assembly employs over 400,000 elected in Halifax, Nova Scotia. It was the Canadians.A web site lists first legislature to be elected by the the government jobs avail- people in British North America. able in different locations. You can apply online but you must be: • a Canadian citizen • a permanent resident • or have authorization in Money Matters writing to work in Canada. Sunset over Howe Sound in British Columbia. www.jobs-emplois.gc.ca When you sell your home, you have three options: [DayPlanner web site – • to sell through a real estate agent, who will usually Link #273] charge from 3% to 6% of the sale price, Month: • to sell through a company that charges a flat fee to help yo Monday Date: Tuesday Date: • to sell on yo You can investigate all these options by talking to the companies and agencies and searc sure to get advice from a lawyer when you sell your home. [Day

Careers The federal go Wednesday Date: Thursday Date: specialty job sites where you can search jobs in a wide range of occupations.To learn more, visit www.jobsetc. &crumb=42 o

Friday Date: Saturday Date: Jobs & Business Vacation pay Often, employers provide vacation pay as a percentage of net pay for the period of time wo time workers.The percentage of pay for paid vacation time is governed by provincial Sunday Date: or territorial labour legislation.

106 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 107

Dates/Events/History Did You Know....? ment In 1758 there was a legislative assembly Canadian products have labels in both 0 000 elected in Halifax, Nova Scotia. It was the official languages: English and French. site lists first legislature to be elected by the Food products should also have labels obs avail- people in British North America. with ingredients and nutritional value. ocations. l ne but en dent zation in Money Matters Education/Training in Canada. s gc.ca When you sell your home, you have three options: Colleges and ite – universities • to sell through a real estate agent, who will usually charge from 3% to 6% of the sale price, Colleges and universities • to sell through a company that charges a flat fee to each operate quite help you advertise and list your home, or independently from one • to sell on your own privately. another, and each differs in terms of location, You can investigate all these options by talking to the programs, costs, and so companies and agencies and searching the web.And be on. Compare colleges and sure to get advice from a lawyer when you sell your universities prior to home. [DayPlanner web site – Link #127] making a choice. Students can apply to a number of schools. Careers The federal government has a website with links to specialty job sites where you can search jobs in a wide range of occupations.To learn more, visit www.jobsetc.gc.ca/eng/categories.jsp?category_id=2600 &crumb=42 or DayPlanner web site – Link #308.

Jobs & Business Vacation pay Often, employers provide vacation pay as a percentage of net pay for the period of time worked, rather than providing time off.This method is most common for part- time workers.The percentage of pay for paid vacation time is governed by provincial or territorial labour legislation.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 107 106-157 14th printing 2013 4/10/13 10:53 AM Page 108

Government Dates/Events/History The federal government In 1776, when the southern colonies provides online services to declared their independence from Great help job seekers choose a Britain (to form the United States) more career, identify training than 40,000 “loyalists” fled north to opportunities, and plan Nova Scotia and Quebec. their work search.The sites provide step-by-step guides, information, links, and much more. CFEE’s VECTOR website can also Money Matters help.Visit these two sites Pictured are Totem Poles in in Vancouver, B.C., at www.jobsetc.gc.ca and Buying a home: Mortgage created by some of Canada’s Aboriginal people. www.vector.cfee.org. Most people borr used to buy a home is called a mortgage.You can get a mortgage through a financial institution.The amount of Month: money you borrow for a mortgage is the “principle.” Monday Date: Tuesday Date: The amount you can borrow for a mortgage can be limited to a certain percentage of the price you pay. Visit Day about mortgage savings, preparing an offer, and closing a deal on a home.

Careers The Construction Sector Council tries to ensure Wednesday Date: Thursday Date: Canada has the most skilled and professional construction workforce in the world. Learn more about the CSC at D call (613) 569-5552.The Cultural Human Resources Council works to strengthen the skills and talents of Canada’s CHRC at Day 562-1535.

Friday Date: Saturday Date: Jobs & Business Full-time/part-time There are full-time and part-time jobs. Full-time jobs are usually 35 to 40 hours a week. Part-time jobs can vary from a few hours a week to a few days. Many people work at part-time jobs. Some hold a number of part-time jobs rather than one full- Sunday Date: time job. Full-time jobs often provide “benefits” to employees. Most part-time jobs do not.Ask your employer about “benefits” offered with your job.

108 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 109

Dates/Events/History Did You Know....? ment In 1776, when the southern colonies Canada’s national anthem is “.” vices to declared their independence from Great (The words are on page 232). It was choose a Britain (to form the United States) more adopted as Canada’s official national a ning than 40,000 “loyalists” fled north to anthem in 1980.* plan Nova Scotia and Quebec. h The by-step o , links, CFEE’s e can also Money Matters Education/Training wo sites c ca and Buying a home: Mortgage Canada student loans org. Most people borrow money to buy a home.A loan A major source of finan- used to buy a home is called a mortgage.You can get a cial assistance for students mortgage through a financial institution.The amount of is the Canada Student money you borrow for a mortgage is the “principle.” Loans Program. This program The amount you can borrow for a mortgage can be provides loans to students limited to a certain percentage of the price you pay. to assist them with their Visit DayPlanner web site – Link #128 to learn more studies.The student must about mortgage savings, preparing an offer, and closing begin to pay back the a deal on a home. loan a short time after graduation. For more information, visit http://www.hrsdc.gc.ca/ Careers eng/learning/canada_ student_loan/index.shtml The Construction Sector Council tries to ensure that or DayPlanner web site – Canada has the most skilled and professional Link #229 construction workforce in the world. Learn more about the CSC at DayPlanner web site – Link #57, or call (613) 569-5552.The Cultural Human Resources Council works to strengthen the skills and talents of Canada’s cultural workforce. Learn more about the CHRC at DayPlanner web site – Link #58, or call (613) 562-1535.

Jobs & Business Full-time/part-time There are full-time and part-time jobs. Full-time jobs are usually 35 to 40 hours a week. Part-time jobs can vary from a few hours a week to a few days. Many people work at part-time jobs. Some hold a number of part-time jobs rather than one full- time job. Full-time jobs often provide “benefits” to employees. Most part-time jobs do not.Ask your employer about “benefits” offered with your job.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 109 106-157 14th printing 2013 4/10/13 10:53 AM Page 110

Government Dates/Events/History The Canadian government In July of 1793 Alexander Mackenzie was created the “Discover the first explorer to travel west and Canada” booklet.This reach the Pacific Ocean. booklet can help immigrants prepare for the Canadian Citizenship Test.You can get this booklet online by going to www.cic.gc.ca/ english/resources/ publications/discover/ Money Matters index.asp Victoria is the capital city of the province of British Buying a home: “Open” and “closed” mortgages Columbia. When yo negotiate “terms.” The term sets the interest rate and payments you have to make for that period of time Month: (e.g. 6 months, 1 year, 3 years, 5 years, etc.).An “open” Monday Date: Tuesday Date: mortgage means that, during the term, you can pay off any part of your loan at any time.A “closed” mortgage means yo for the time yo “term.” When the term ends, you can pay off as much as you like

Careers The federal go Wednesday Date: Thursday Date: explore and consider the “trends” that can affect the labour market and the demand for jobs in different occupations.T pieces.jsp?category_id=404&crumb=42 o web site – Link #309.

Friday Date: Saturday Date: Jobs & Business Notice of layoff/termination Notice should be given to a worker if he or she is to be laid off or let go—which are the other terms used fo is governed by the labour legislation that applies to your province or territory. Sunday Date:

110 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 111

Dates/Events/History Did You Know....? ernment In July of 1793 Alexander Mackenzie was You must have a Social Insurance over the first explorer to travel west and Number (SIN) to work in Canada or This reach the Pacific Ocean. to qualify for government benefits. mmigrants For information on how to obtain a C nadian Social Insurance Number you can call Y u can I-800-O-CANADA (1-800-622-6232). o line by You can also visit a Service Canada . c.ca/ location for assistance.* / er/ Money Matters Education/Training

Buying a home: “Open” and “closed” mortgages There is a great need for When you take out a mortgage you will need to “skilled trades” in Canada. negotiate “terms.” The term sets the interest rate and Students are being payments you have to make for that period of time encouraged to consider (e.g. 6 months, 1 year, 3 years, 5 years, etc.).An “open” the skilled trades as a mortgage means that, during the term, you can pay off career option.There are any part of your loan at any time.A “closed” mortgage many opportunities for means you must pay back the amount you agreed to, women in the skilled for the time you agreed to, when you selected the trades.Their participation “term.” When the term ends, you can pay off as much is encouraged. as you like and decide on a new term.

Careers The federal government has a website that lets you explore and consider the “trends” that can affect the labour market and the demand for jobs in different occupations.To learn more, visit www.jobsetc.gc.ca/eng/ pieces.jsp?category_id=404&crumb=42 or DayPlanner web site – Link #309.

Jobs & Business Notice of layoff/termination Notice should be given to a worker if he or she is to be laid off or let go—which are the other terms used for being “fired” from a job or losing a job.The length of notice is governed by the labour legislation that applies to your province or territory.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 111 106-157 14th printing 2013 4/10/13 10:53 AM Page 112

Government Dates/Events/History Service Canada Centres The Act of Union in 1841 united Upper provide services for indi- Canada and Lower Canada into the viduals who want to get .This was a result of their credentials assessed, Lord Durham’s recommendation after identify their occupation’s the rebellions in the two . He regulatory and assessment was also trying to reduce the influence body, and learn more about of French language and culture. the labour market.To find the nearest Service Canada centre, call 1-888-854-1805 Money Matters or go to DayPlanner web Located on Canada’s west coast,Vancouver is Canada’s site – Link #276. Buying a home: Amortization third largest city. www.servicecanada.gc.ca The time period it will take mortgage is the amortization period.The longer the amortization period, the greater the total cost you will Month: pay for your home since you will pay more interest. Monday Date: Tuesday Date: Example: a $100,000 mortgage at 7% for 10 years has a total cost of $138,713.The same loan over 25 years would cost $210,123. Keep your amortization period as short as possible to pay less for your house. [DayPlanner web site – Link #129]

Careers The Forum fo Wednesday Date: Thursday Date: works to develop international trade training programs to ensure high professional standards in the area of international trade. DayPlanner web site – Link #59, or call (613) 230- 3553.The Mining Industry Human Resources Council works to address the labour needs of Canada’s mining industry Learn more about MiHR at DayPlanner web site – Link #60, or call (613) 270-9696 Friday Date: Saturday Date: Jobs & Business Labour/Employment standard In Canada, labour or employment standards (laws) provide protection to workers. Human Rights legislation (law to be aware of these protections as well as your responsibilities to employers and Sunday Date: to others.You can learn more about employment standards in Canada at www.hrsdc.gc.ca/eng/labour/employment_standards/index.shtml

112 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 113

Dates/Events/History Did You Know....? ntres The Act of Union in 1841 united Upper A political party must win over 50% of f r indi- Canada and Lower Canada into the the seats in Canada’s Parliament to form to get Province of Canada.This was a result of a majority government. However, because sessed, Lord Durham’s recommendation after Canada has more than two political par- upation’s the rebellions in the two Canadas. He ties, minority governments are possible. sessment was also trying to reduce the influence For a political party to form a minority more about of French language and culture. government, it will need support from t To find one or more other parties. ce Canada -854-1805 Money Matters Education/Training ner web Buying a home: Amortization Apprenticeship da.gc.ca The time period it will take you to pay off your entire One way to obtain mortgage is the amortization period.The longer the training in a skill or amortization period, the greater the total cost you will professional area is pay for your home since you will pay more interest. through an apprenticeship Example: a $100,000 mortgage at 7% for 10 years has a program where a person total cost of $138,713.The same loan over 25 years works alongside a profes- sional to develop skills and would cost $210,123. Keep your amortization period obtain certification. It may as short as possible to pay less for your house. be possible to get recogni- [DayPlanner web site – Link #129] tion for experience you gained prior to coming to Canada. Bring reference letters with you.Visit the Careers website of the Canadian Apprenticeship Forum The Forum for International Trade Training (FITT) (www.caf-fca.org) or works to develop international trade training programs DayPlanner web site – to ensure high professional standards in the area of Link #231 provides links international trade. Learn more about FITT at to information on appren- DayPlanner web site – Link #59, or call (613) 230- ticeship programs. 3553.The Mining Industry Human Resources Council works to address the labour needs of Canada’s mining industry and the training needs of mining workers. Learn more about MiHR at DayPlanner web site – Link #60, or call (613) 270-9696

Jobs & Business Labour/Employment standards and human rights In Canada, labour or employment standards (laws) provide protection to workers. Human Rights legislation (laws) protect the rights of each individual. It is important to be aware of these protections as well as your responsibilities to employers and to others.You can learn more about employment standards in Canada at www.hrsdc.gc.ca/eng/labour/employment_standards/index.shtml

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 113 106-157 14th printing 2013 4/10/13 10:53 AM Page 114

Government Dates/Events/History The mandate of the federal The Reciprocity Treaty in 1854 helped to government’s Foreign increase trade between the provinces Credentials Referral Office and the United States by reducing or is to provide internationally eliminating the duties on goods crossing trained individuals with the border. information and help to get their credentials assessed and recognized.You can learn more about the help the government can provide at Money Matters www.credentials.gc.ca. The is held every summer in Buying a home: Mortgage term Calgary, Alberta. You pay the same rate of interest for a mortgage over a set period of time called the “ pay 6% on your mortgage for a five-year term.After Month: five years, you must renew the mortgage with your Monday Date: Tuesday Date: lender.T Compare the rates of different lenders when your terms ends. If you think interest rates are likely to fall, you may want to consider a shorter term. If you think rates may That way term. [DayPlanner web site – Link #131] Careers This website links yo Wednesday Date: Thursday Date: torial websites that have information on apprenticeship. To learn more categories.jsp?category_id=1971&crumb=12&crumb =42&crumb=36 o

Friday Date: Saturday Date: Jobs & Business When planning to come to Canada to live You do not need to hire Canadian citizenship; immigration representatives do not have special connections with Canadian government officials and cannot guarantee you a visa; only authorized Sunday Date: officers at Canadian embassies, high commissions and consulates can decide whether or not to issue a visa; b of Citizenship and Immigration Canada (CIC) is w Learn more 114 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 115

Dates/Events/History Did You Know....? e federal The Reciprocity Treaty in 1854 helped to Canada has hosted the Olympic Games e gn increase trade between the provinces on three occasions—the 1976 Summer al Office and the United States by reducing or Games in Montreal; the 1988 Winter r ationally eliminating the duties on goods crossing Games in Calgary; and the 2010 Winter s with the border. Games in Vancouver. elp to get a sessed u can learn e p the p ovide at Money Matters Education/Training g .ca. Buying a home: Mortgage term CanLearn You pay the same rate of interest for a mortgage over The federal government a set period of time called the “term.” For example:You created and maintains the pay 6% on your mortgage for a five-year term.After CanLearn web site.This five years, you must renew the mortgage with your site provides information lender.The lender will set a new rate of interest. on, and links to, many Compare the rates of different lenders when your education, learning, and terms ends. If you think interest rates are likely to fall, training programs. It also you may want to consider a shorter term. If you think provides access to online rates may rise, you may want to choose a longer term. counsellors who can assist those seeking training, That way, your interest rate can be set for the full employment, and help term. [DayPlanner web site – Link #131] with career development. * Visit www.canlearn.ca or Careers DayPlanner web site – Link #232. This website links you to all of the provincial and terri- torial websites that have information on apprenticeship. To learn more, visit www.jobsetc.gc.ca/eng/ categories.jsp?category_id=1971&crumb=12&crumb =42&crumb=36 or DayPlanner web site – Link #310.

Jobs & Business When planning to come to Canada to live or work, note: You do not need to hire an immigration representative to apply for a visa or for Canadian citizenship; immigration representatives do not have special connections with Canadian government officials and cannot guarantee you a visa; only authorized officers at Canadian embassies, high commissions and consulates can decide whether or not to issue a visa; beware of internet scams and false websites.The official website of Citizenship and Immigration Canada (CIC) is www.cic.gc.ca. Learn more about fraud by visiting www.immigration.gc.ca/fraud CFEE’s DayPlanner Web site: www.cfeedayplanner.com 115 106-157 14th printing 2013 4/10/13 10:53 AM Page 116

Government Dates/Events/History The federal government The first Queen’s Plate horse race was operates the Canada Pension run in June of 1860. It still runs to this Plan (CPP). Employees day, and is the oldest continuously run contribute to this plan while they work.When they retire, horse race in the world. they will receive a pension payment based upon the number of years worked in Canada and the average salary earned. Residents of Québec pay into the Québec Pension Plan (QPP) instead. Money Matters Employers contribute to the Canada has beautiful mountain ranges and waterfalls. pension plan too. [Day- Buying a home: Down payment Pictured is Virginia Falls on the Nahanni River in the N.W.T. Planner web site – Link When yo #278] payment” or lump sum toward the purchase price. The balance of the price will be paid through a Month: mortgage loan.The larger your downpayment the Monday Date: Tuesday Date: better since yo There will be a certain percent of the value of the house that yo payment. [

Careers The Motor Carr Wednesday Date: Thursday Date: works to improve the knowledge and skills of those working in Canada’s Learn more about the MCPCC at the DayPlanner web site – Link #61, o Processing HR Council is the HR voice for Canadian food processors and manufacturers. Learn more about the Council at the Day call (613) 237-7988.

Friday Date: Saturday Date: Jobs & Business Human rights Canada has a Charter of Human Rights and Freedoms.These laws are designed to protect personal rights and pre activities in the workplace. See page 226 for more information on human rights in Sunday Date: Canada.You can learn more about “equality in the workplace” at w eng/labour/equality/index.shtml

116 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 117

Dates/Events/History Did You Know....? ment The first Queen’s Plate horse race was Most people will become uncomfortable da Pension run in June of 1860. It still runs to this if you stand too close to them. ees day, and is the oldest continuously run Whenever possible, give people some an while hey retire, horse race in the world. “personal space,” for example, the pension distance of a handshake. In crowded o the situations such as on a bus or subway, orked in this may not be possible. erage dents of he Québec ) nstead. Money Matters Education/Training ute to the Day- Buying a home: Down payment Studying in Canada ink When you buy a home, you usually pay a “down The Government of payment” or lump sum toward the purchase price. Canada provides The balance of the price will be paid through a assistance and links mortgage loan.The larger your downpayment the for those interested better since you can borrow less and pay less interest. in studying in Canada—as There will be a certain percent of the value of the an international student, house that you will have to pay as a minimum down to upgrade education and payment. [DayPlanner web site – Link #130] skills, or to attend a primary or secondary school. For more information visit http://www.cic.gc.ca/ Careers english/study/index.asp or The Motor Carrier Passenger Council of Canada DayPlanner web site – works to improve the knowledge and skills of those Link #233 working in Canada’s motor carrier passenger industry. Learn more about the MCPCC at the DayPlanner web site – Link #61, or call (905) 884-7782. The Food Processing HR Council is the HR voice for Canadian food processors and manufacturers. Learn more about the Council at the DayPlanner web site – Link #62, or call (613) 237-7988.

Jobs & Business Human rights Canada has a Charter of Human Rights and Freedoms.These laws are designed to protect personal rights and prevent discrimination in all aspects of life including activities in the workplace. See page 226 for more information on human rights in Canada.You can learn more about “equality in the workplace” at www.hrsdc.gc.ca/ eng/labour/equality/index.shtml

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 117 106-157 14th printing 2013 4/10/13 10:53 AM Page 118

Government Dates/Events/History When you work, you will The Charlottetown Conference—which contribute some of your ran from September 1–9, 1864—put earned income to the Canada on the road to becoming a Employment Insurance nation.Those who took part are known Program.This program as the “Fathers of Confederation.” provides some income, for a short period of time, to a worker who becomes unemployed and is qualified to receive those benefits. Money Matters Employers contribute to Toronto is the capital city of Ontario and is Canada’s this program too. Buying a home: Payments largest city. You can pay less interest over the term of your mortgage if you pay more frequently. For example, if you make payments bi-weekly or bi-monthly, you can Month: pay less total interest than if you pay monthly.When Monday Date: Tuesday Date: you work out the terms of your mortgage, look at the different pay affect yo #132]

Careers The federal go Wednesday Date: Thursday Date: Apprenticeship Grants.An eligible apprentice can receive up to $4,000 to help pay for tuition, travel, tools, or other expenses.T www.servicecanada.gc.ca/eng/goc/apprenticeship/ index.shtml.

Friday Date: Saturday Date: Jobs & Business Jobs: Pre It is possible that a person looking for a job may run into a situation where he or she is not hired because of “prejudice.” That is, an employer may not hire an individual who is of a certain race, skin colour, religion, and so on.This is not legal in Canada. Sunday Date: Employers are not allowed to discriminate on the basis of such things as gender, sexu- al orientation, skin colour, racial background, religion, and so on. [DayPlanner web site – Link #171]

118 CFEE’s DayPlanner Web site: www.cfeedayplanner.com English 2013 Insert.qxd 4/10/13 1:19 PM Page 1

DŽŶĞLJ ĂŶĚ zŽƵƚŚ ŝƐ dŚĞ ĂŶĂĚŝĂŶ &ŽƵŶĚĂƟŽŶ ĨŽƌ ĐŽŶŽŵŝĐ ĚƵĐĂƟŽŶ͛Ɛ ŶĞǁĞƐƚ ƌĞƐŽƵƌĐĞ ĨŽƌ ƉĂƌĞŶƚƐ͕ ŐƵĂƌĚŝĂŶƐ͕ LJŽƵƚŚ͕ ĂŶĚ ƚĞĂĐŚĞƌƐ͘

The goal of the book is to ŚĞůƉ LJŽƵƚŚ ďƵŝůĚ Ă ĨŽƵŶĚĂƟŽŶ of knowledge and skills so ƚŚĂƚ ƚŚĞLJ ĂƌĞ ďĞƩĞƌ ĂďůĞ ƚŽ ƵŶĚĞƌƚĂŬĞ ƚŚĞŝƌ ĨƵƚƵƌĞ ĮŶĂŶĐŝĂů ĚĞĐŝƐŝŽŶƐ ĂŶĚ ĂĐƟŽŶƐ ǁŝƚŚ ĐŽŶĮĚĞŶĐĞ ĂŶĚ ĐŽŵƉĞƚĞŶĐĞ͘ Money and Youth has been developed to be engaging for youth to consider their own views, skills, and goals, and to ƉƌŽǀŝĚĞ ŝŶĨŽƌŵĂƟŽŶ ŝŶ ĐůĞĂƌ ůĂŶŐƵĂŐĞ͕ ĂŶĚ ƉƌĞƐĞŶƟŶŐ ŝŶĨŽƌŵĂƟŽŶ ƚŚĂƚ ŝƐ ůŝĨĞͲƌĞůĞǀĂŶƚ for many young people. Its goal is not to tell young people what decisions to make and how to live their lives but to empower them to make good decisions, think about what they want out of life, and take control to try and achieve their goals.

This resource is primarily used by youth ages 14 and older.

Available in English and French. Money and Youth is free – although there may be costs for postage and handling – and can be obtained by emailing [email protected] , ĐĂůůŝŶŐ͕ ƚŽůů ĨƌĞĞ͕ ϭͲϴϴϴͲϱϳϬͲϳϲϭϬ͕ Žƌ ƐƵďŵŝƫŶŐ Ă ƌĞƋƵĞƐƚ Ăƚ ŚƩƉ͗ͬͬŵŽŶĞLJĂŶĚLJŽƵƚŚ͘ĐĨĞĞ͘ŽƌŐͬĞŶͬĐŽŶƚĂĐƚƵƐ͘ƉŚƉ

M&Y insert v#4.indd 1 2013-03-28 3:32 PM English 2013 bleeding Insert.qxd 4/16/13 4:17 PM Page 2

dŚĞ ŝŐŝƚĂů ĂLJWůĂŶŶĞƌ ŝƐ dŚĞ ĂŶĂĚŝĂŶ &ŽƵŶĚĂƟŽŶ ĨŽƌ ĐŽŶŽŵŝĐ ĚƵĐĂƟŽŶ͛Ɛ ŶĞǁĞƐƚ ƌĞƐŽƵƌĐĞ ĨŽƌ ŶĞǁĐŽŵĞƌƐ ƚŽ ĂŶĂĚĂ͘

dŚĞ KŶůŝŶĞ ŝŐŝƚĂů ǀĞƌƐŝŽŶ ŽĨ ƚŚĞ ĂLJWůĂŶŶĞƌ ŝƐ Ă ĨƵůůLJ ŝŶƚĞƌĂĐƟǀĞ ĂLJWůĂŶŶĞƌ ƚŚĂƚ ǁŝůů ĞŶĂďůĞ LJŽƵ ƚŽ ĞŶƚĞƌ ĂŶĚ ŬĞĞƉ ƚƌĂĐŬ ŽĨ ĂƉƉŽŝŶƚŵĞŶƚƐ ĂŶĚ ĐŽŶƚĂĐƚƐ͘ /ƚ ǁŝůů ĂůƐŽ ĞŶĂďůĞ LJŽƵ ƚŽ ƌĞǀŝĞǁ Ăůů ƚŚĞ ĐŽŶƚĞŶƚ ŽĨ Ă ƉĂƌƟĐƵůĂƌ ƐĞĐƟŽŶ ;Ğ͘Ő͘ ŝŶĨŽƌŵĂƟŽŶ ĂďŽƵƚ ͞DŽŶĞLJ͟Ϳ Ăůů Ăƚ ŽŶĞ ƟŵĞ ŝĨ LJŽƵ ǁŝƐŚ͘ ůů ůŝŶŬƐ ĂƌĞ ŚLJƉĞƌůŝŶŬĞĚ ƚŽ ĐŽŶŶĞĐƚ LJŽƵ ĚŝƌĞĐƚůLJ ǁŝƚŚ ƚŚĞ source and resources. It is free and available in English or French. ŚĞĐŬ ŝƚ ŽƵƚ Ăƚ ŚƩƉ͗ͬͬĐĨĞĞĚĂLJƉůĂŶŶĞƌ͘ĐŽŵͬ English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 3

Scotiabank – A CFEE DayPlanner Supporter

As one of CFEE’s DayPlanner supporters, Scotiabank is helping us to get the DayPlanner to both newcomers in Canada and those who are planning to come to Canada. In recognition of their support and efforts to help newcomers, CFEE is pleased to share with you some information on how Scotiabank helps those who are looking to build a new life in Canada.

ABOUT SCOTIABANK Scotiabank is one of North America’s leading financial institutions and Canada’s most international bank, with operations in more than 55 countries. Scotiabank has operated for over 180 years and has been ranked as Global Bank of the Year† in 2012. Scotiabank brings a unique perspective on the needs of newcomers with more than 81,000 employees who speak a wide range of languages.The Bank serves about 19 million customers worldwide, with some $668BN in total assets. Scotiabank has over 1,000 branches across Canada as well as over 3,000 ABMs.Their multilingual ABMs can serve you in English, French, Simplified and Traditional Chinese, and Spanish.

You can see why CFEE is pleased to have Scotiabank as a supporter of the DayPlanner project.

ABOUT THE SCOTIABANK STARTRIGHT® PROGRAM1 FOR NEWCOMERS

The Scotiabank StartRight Program has products and services to help permanent residents/landed immigrants, foreign workers, and international students. It is possible to set up a bank account, get a credit card 2, get a small safety deposit box3, get financing for a car at certain car dealers4, transfer money via Western Union5, get financing for a mortgage to buy a home 6, make different kinds of investments, and so on. Some of the products and services have special bonus features or cost discounts to help out those who ha ve come to Canada to build a new future. Scotiabank’s branch locator feature enables newcomers to easily locate the closest branch. To locate your nearest Scotiabank with advisors who speak your language, check the Branch and ABM locator at maps.scotiabank.com/en/index.php. In addition, Scotiabank has a website dedicated to the needs of newcomers and the site is available in eight different languages.The site has links to helpful resources about life and .You can visit the StartRight website at scotiabank.com/startright for complete details. We extend our thanks to Scotiabank f or supporting us and allowing us to share the following information from their website. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 4

TIPS FOR NEWCOMERS TO CANADA

HOUSING Visit the Canada Mortgage and Housing Corporation Newcomer site for valuable resources on renting or buying a home, cmhc.ca/ourhome.

SOCIAL INSURANCE NUMBER You will need a Social Insurance Number (SIN) to w ork in Canada and to file an income tax return. Make plans to apply for a Social Insurance Number for you and members of your family as soon as you arrive. For more information on obtaining a SIN card, please visit servicecanada.gc.ca/eng/sc/sin/index.shtml.

APPLYING FOR A HEALTH INSURANCE CARD You should apply for a health insurance card as soon as you arrive in Canada. Each member of your family, even babies, must have their own health insurance card. All Canadian citizens and permanent residents/landed immigrants are eligible for Medicare.To apply for a health insurance card, contact the Ministry of Health in the province or territory where you live.

EDUCATION FOR CHILDREN Public education is run by the province and territories and is paid for through your taxes. Public education is free and available to every child in Canada. Parents must register children at the local school or school boar d office. School boards are listed in the blue pages of the telephone book.

ORGANIZATIONS IN CANADA HELPING NEWCOMERS Canada has hundreds of organizations that help newcomers settle into life in Canada. Many of them represent a number of different multicultural agencies and associations, so they can help you in several ways.They may provide language training, or help you find housing or look for a job.Visit Citizenship and Immigration Canada’s listing of organizations at servicecanada.gc.ca/eng/home.shtml.

DRIVER’S LICENSE A valid driver’s license is required to operate a vehicle in Canada.Your foreign driver’s license may be valid for only a short time. More information can be obtained from your Provincial Motor Vehicle Licensing Agency.

FREE BASIC ENGLISH AND FRENCH CLASSES Language instruction for newcomers to Canada is a program available across the country for permanent residents/landed immigrants. For more information please visit servicecanada.gc.ca/eng/goc/linc.shtml. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 5

CREDENTIAL ASSESSMENT SERVICES IN CANADA Most people who plan to come to Canada to settle permanentl y and who wish to enter the labour force will need to know the value of the education, training, and experience they have acquired outside Canada. The Canadian Information Centre for International Credentials (CICIC) is a central source of information about the services and organizations around Canada that can help with the accr editation of internationally acquired skills. For more information, please visit the website at cicic.ca.

OPENING YOUR FIRST BANK ACCOUNT

A Canadian bank account will help you to manage your day-to-day banking transactions. It will also help if you need to transfer and deposit funds from your country of origin to Canada. At Scotiabank, you can make such transfers into a Canadian, US or Euro bank account. A bank account will also help you to keep your cash in a safe place, pay any bills, and deposit cheques if you receive any payments. When you open your bank account you will receive a bank card. For example, if you were to open your account with Scotiabank, you would get a ScotiaCard ®. You would also get a Personal Identification Number − or PIN. This card and PIN are important and you should take care to keep the card safe and the PIN secret from others. With them you should be able to get ser vice at all of your bank’s branches (e.g. over 1,000 branches if you are banking with Scotiabank), online banking services, telephone banking, and 24 hour, 7-day a week access to ABMs. You can also use your bank card to pay for things (note: you can pay for goods and services directly from your selected bank account), and through the Global ATM Alliance you can make cash withdrawals at over one million ATMs that display the VISA** or PLUS** symbols around the world. Note that to open your bank account and benefit from the Scotiabank StartRight Program for Newcomers, you will need: • Proof of Permanent Resident/Landed Immigrant Status, or Work or Study permit • Valid photo identification such as a f oreign passport, driver’s license issued in Canada, or Permanent Resident Card

Note: You don’t need a credit history, an initial deposit, or to be employed to open your bank account. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 6

GLOSSARY OF SOME BANKING TERMS

CHEQUE Filling out a cheque correctly, and signing it, is a way to transfer money from your bank account to someone else to whom y ou want to make a payment or to whom you owe money.You will show, on the cheque, the person or organization that is to receive the money, how much they are to receive, and the date you are making the payment. Note that you can “post-date” a cheque. For example, if today’s date was February 13th and you didn’t want to make the payment until February 20th, you put the February 20th date on the cheque and the bank will not “cash it” and transfer the money until February 20th.

CHEQUING ACCOUNT To write a cheque, you must have money in a chequing account − and you must have enough money in the account “to cover” the cheque.Therefore, if you write a cheque for $128, there will need to be at least $128 in the chequing account. In some countries this type of account is also kno wn as a Current Account. If you don’t have enough money in the account, the cheque will “bounce” − and will be returned “NSF” − which means “not sufficient funds” in the account to co ver the cheque. If this happens, the person will not receive any of the money you were going to transfer and both you and the person you were going to pay, will be charged a fee.

CHEQUE HOLD When someone writes a cheque to you, money will be transferred from their bank account to your bank account. For this reason, when you deposit a cheque that you have received, the bank may put a “hold” on the deposit of the cheque f or a number of days to make sure it can “clear” − that is, that the person who wrote you the cheque had enough money in that account to cover the payment.A hold however provides no guarantee that a cheque won’t be returned as invalid or otherwise after the hold period has expired.

CREDIT HISTORY Your credit history is a record of how you have paid off past debts or loans. If you have not paid off some debts or made late pa yments, this will hurt your credit rating and make it more difficult for you to borrow money. It will be a record of your debts − how much you borrowed − when you borrowed − how much you still owe − and when you paid off debts.Your credit rating is made up by reports that are sent to “credit rating agencies” by organizations from which you have borrowed money in the past or still o we money.Your credit rating is used by those from whom you are looking to borrow money. It helps them to make a decision as to whether to lend you money or not.The better your credit rating, the more likely lenders will lend you money.Your credit history is held by Canada’s major credit bureaus such as Equifax and TransUnion and you can check your own credit history − which you should from time to time. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 7

PERSONAL IDENTIFICATION NUMBER (PIN) Your PIN is your personal number that lets you get access to your bank accounts at ABMs using your bank card.You also use it, with your bank card, to make “debit” purchases at stores and other retailers such as gas stations. Each time you use your bank card, you will be asked to enter your PIN on a key pad.This is a type of security so that others are not able to get access to y our account. Protect your PIN. Do not let others see it when y ou enter it on the key pad.

ESTABLISHING YOUR CREDIT HISTORY IN CANADA

It is also important to establish a credit history – and to protect your credit rating.This will affect your ability to get credit cards, take out a loan, obtain a mortgage for a house, and so on. To help you build your credit history, the Scotiabank StartRight Program for Newcomers includes a Scotiabank credit card.When your eligibility for a credit card2 is considered, the unique situation of newcomers is taken into account. Building your credit history will help you to build your financial foundation in Canada.Your credit history in Canada is a measure of your credit-worthiness − that is, your reputation for paying bills and paying back money you have borrowed.

HOW DO YOU BUILD A GOOD CREDIT RATING? • Pay your bills on time, especially credit card bills • Borrow only what you need and what you can afford • Always make your loan payments on time Getting a credit card can help you to build your credit history − and get you started on building a good credit rating in Canada. Building a good credit history − by effectively managing your use of a credit card, or a gas company’s card, or a retailer store’s card − can help you when it comes to getting a phone connected or borrowing money for a new business. A NOTE FROM SCOTIABANK:

Scotiabank is pleased to support CFEE in providing you with this DayPlanner for newcomers to Canada.

To find out more about the Scotiabank StartRight Program for Newcomers: • Visit scotiabank.com/startright.Available in eight languages: English, French,Traditional Chinese, Simplified Chinese, Spanish, Punjabi,Arabic and Korean. • Call 1-866-800-5159 (from Canada and US) for assistance in English, French, Mandarin, Cantonese, Punjabi and Spanish. •To locate your nearest Scotiabank with advisors who speak your language, check the Branch and ABM Locator at maps.scotiabank.com/en/index.php. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 8

1 The Scotiabank StartRight Progam, created for Canadian Landed Immigrants from 0–3 years in Canada, International Students and Foreign Workers. The Scotiabank StartRight Mortgage Program, created for Canadian Landed Immigrants and Foreign Workers from 0–5 years in Canada. 2 Subject to meeting Scotiabank’s credit criteria and security requirements.An unsecured VISA card may be available up to certain credit limits; a secured VISA card requires security equal to 100% of a pproved credit limit for Foreign Workers and Permanent Residents and 120% of approved credit limit for International Students.VISA card security can be cash security, Canada Savings Bonds or Guaranteed Investment Certificate. In addition, to be eligible for a personal borrowing product, you must be a Canadian resident and have reached the age of majority. 3 Subject to availability and signing the Safety Deposit Box lease. 4 Currently the Auto Finance Program is available through select car dealerships in Canada. Special financing rates are available from the following manufacturers: Kia, Chrysler, General Motors, Hyundai, Jaguar/Land Rover, Mazda, Mitsubishi and Volvo.This program is only available for Landed Immigrants and Foreign Workers. Subject to Scotiabank financing terms and conditions. Downpayment required. 5 Scotiabank is an authorized agent facilitating Western Union Money Transfer®* services.Western Union Money Transfer fees vary based on amount sent and destination. Information on Western Union Money Transfer fees can be obtained at a participating Scotiabank branch. A Scotiabank day-to-day banking account is required for use of Western Union Money Transfer services from a participating Scotiabank branch. 6 Applicable to residential mortgages only and subject to Scotiabank lending criteria for residential properties. CMHC/Genworth Financial Canada mortgage default insurance may be required for Loan to Value ratios (LVRs) greater than 50% to a maximum of 95%. Maximum LVRs available may be less than 95%. † Ranked by The Banker magazine, a Financial Times publication, November 2012. ® Registered Trademarks of The Bank of Nova Scotia. ®* The WESTERN UNION name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries and are used with permission. ** VISA Int./Lic. user The Bank of Nova Scotia.

CFEE is very grateful to ScotiabankUpdated for November helping 2011 us to1 Scotiabank StartRight Logos help newcomers and those who are planning to come English to Canada.We are sure that Scotiabank could also be helpful to you.

StartRight_ENG_485_®.eps StartRight_ENG_Red_CMYK_®.eps StartRight_ENG_Black_®.eps (Offset printing, professional design software, scalable, no background) (Offset printing, professional design software, scalable, no background) (Offset printing, professional design software, scalable, no background)

StartRight_ENG_White_®.eps StartRight_ENG_Red_RGB_®.jpg StartRight_ENG_Black_RGB_®.jpg (Offset printing, professional design software, scalable, no background) (Screen display and web, non-scalable, PowerPoint, white background) (Screen display and web, non-scalable, PowerPoint, white background)

StartRight_ENG_Red_RGB_®.png StartRight_ENG_White_RGB_®.png StartRight_ENG_Red_CMYK_®.tif (Screen display and web, non-scalable, PowerPoint, no background) (Screen display and web, non-scalable, PowerPoint, no background) (4 colour digital print, non-scalable, Word and Excel, white background)

This colour is used here to display white logos. It does not appear in the logo file. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 9

Welcome to Canada

Kia Canada would like to extend a big welcome to you. No doubt, an exciting new path awaits you in this great country; one filled with plenty of opportunities and discoveries. While this can be an exciting time, we know it can also be a challenging one. From finding housing and employment, or enrolling in school, to obtaining all sorts of documents and purchasing your first vehicle – the truth is, there’s a lot to do.

One of the first things you may want is a driver’s licence. After all, Canada is over 5,000 kilometres wide from coast to coast and has the second largest land area of any country in the world. In fact, Canada has more than 900,000 kilometres of roads – enough to circle the world 22 times! Thus, driving is a major mode of transportation for many Canadians, so if you are planning on driving in Canada there are several important things you need to know.

5,514 km

Over the next few pages we would like to inform you of some basic Canadian driving essentials, such as laws, safety, weather conditions, driving permits, and how to purchase your first vehicle. English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 10

Laws and Safety

In Canada, each province administers its own transportation laws. For the most part, the minimum driving age is 16. Drivers usually begin with a learner’s permit that must be obtained as part of a graduated licensing system. A vision test and a written test demonstrating your knowledge of road rules must also be taken. For more details on what’s required, check your province’s website. (You can find it at the back of this book.)

While not mandatory in every province, it is a good idea to enroll in a driver education school where you can get in-car driving lessons from an instructor. Not only will it prepare you for your driving test, you will gain practical driving experience. This is especially important for Canadian weather.

As you are no doubt aware, Canadian winters can be extreme. As a result, winter driving can be extreme. Therefore, we recommend that you learn how to drive in these unfavourable conditions. Here are 10 essential winter driving tips to keep you safe on the road*:

1. Get your vehicle ready for winter in the fall. 2. Install four matching winter tires. 3. Pack an emergency kit (blanket, flashlight, candle and snacks). 4. Learn and practice winter driving techniques before you need them. 5. Plan your trip; check road and weather conditions. 6. Remove all snow from your vehicle before each trip. 7. Give yourself extra travel time in bad weather. 8. Avoid using cruise control on slippery roads. 9. Travel with a fully charged cell phone. 10. Slow down and always wear your seatbelt.

*Source: English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 11

Drinking and Driving

Drinking and driving is a serious criminal o ense in Canada and is punishable by imprisonment. If someone is killed by a drunk driver, the accused can receive a life sentence if found guilty.

The unfortunate truth is that every year in Canada thousands of people are killed by drunk drivers. In 2009, 2,575 individuals were killed in motor vehicle crashes in Canada. Of those, an estimated 1,074 of these fatalities were impairment-related.**

As a proud sponsor of Mothers Against Drunk Driving (MADD Canada), a national organization dedicated to ending alcohol- related driving fatalities, Kia Canada has created a pledge for students and all Canadians not to drive under the influence of drugs and alcohol. We invite you and your family to learn more by visiting Kia Canada’s Facebook page (facebook.com/kiacanada).

TAKE THE PLEDGE TO DRIVE SAFE AND SOBER

Targa Forte Koup

Again, drinking and driving is a very serious matter. In Canada, driving while intoxicated is illegal and highly frowned upon by society. If you know you are going to drink, plan ahead. Either have a designated driver who will not drink at all, call a friend, or plan to take a taxi home. DO NOT DRINK AND DRIVE.

**Source: MADD Canada English 2013 bleeding Insert.qxd 4/10/13 1:19 PM Page 12

Your First Car

When you are ready to purchase your first vehicle, there are several things you need to know. In addition to holding a valid driver’s licence, you will also need adequate insurance coverage. In Canada, there are many auto insurance companies to choose from. Be sure to shop around for the best price. Costs will depend on several factors, such as the value of the vehicle and your driver history. If you do not have a history, your costs may increase but can decrease as you build a good driving record.

In Canada, the most common methods of paying for a car are financing and leasing. Kia Canada is proud to partner with the Scotiabank® Auto Loan Program to help newcomers to Canada purchase their first vehicle.

2014 Forte Sedan

In addition to helping you arrange a Scotiabank® Auto Loan, a Kia dealer will gladly help you register your vehicle with your province and put licence plates on your car. Visit kia.ca or visit your local Kia dealer whenever you’re ready. And don’t forget . . . with Kia Member Rewards, you can enjoy exclusive privileges while earning points for every dollar you spend on your Kia. Start on the right foot and save on all future purchases!

KIA MEMBER REWARDS Earn points towards big savings. It’s FREE and it’s incredibly rewarding. 106-157 14th printing 2013 4/10/13 10:53 AM Page 119

Dates/Events/History Did You Know....? ou will The Charlottetown Conference—which There are many newspapers, radio f your ran from September 1–9, 1864—put stations, and television stations that focus o the Canada on the road to becoming a on cultural groups in Canada. Many of ance nation.Those who took part are known the newspapers and radio stations can be o ram as the “Fathers of Confederation.” accessed on the Internet. [DayPlanner ome, for web site – Link #1] ime, to comes i qualified benefits. Money Matters Education/Training bute to Buying a home: Payments Distance learning You can pay less interest over the term of your Those who want to take mortgage if you pay more frequently. For example, if educational or training you make payments bi-weekly or bi-monthly, you can programs often live far pay less total interest than if you pay monthly.When away from the colleges or you work out the terms of your mortgage, look at the universities offering the different payment options—see how the options can programs. In Canada, affect your total cost. [DayPlanner web site – Link distance education #132] programs enable people to take programs without attending classes. Instruction and assign- ments may be exchanged Careers by mail or through the Internet. [DayPlanner web The federal government has a program that offers site – Link #234] Apprenticeship Grants.An eligible apprentice can receive up to $4,000 to help pay for tuition, travel, tools, or other expenses.To learn more, visit www.servicecanada.gc.ca/eng/goc/apprenticeship/ index.shtml.

Jobs & Business Jobs: Prejudice and discrimination It is possible that a person looking for a job may run into a situation where he or she is not hired because of “prejudice.” That is, an employer may not hire an individual who is of a certain race, skin colour, religion, and so on.This is not legal in Canada. Employers are not allowed to discriminate on the basis of such things as gender, sexu- al orientation, skin colour, racial background, religion, and so on. [DayPlanner web site – Link #171]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 119 106-157 14th printing 2013 4/10/13 10:53 AM Page 120

Government Dates/Events/History Canadian citizens, or per- The Quebec Conference in October manent residents living 1864 put forth 72 resolutions that laid here for at least 10 years, the foundation for the union of the receive a modest Old Age provinces into the country of Canada. Security pension at the age of 65. Low-income seniors may be eligible for other benefits as early as 60. Some or all of this pension may be “clawed back” Money Matters through the tax system if a Montreal is a very busy port city located on the person’s income is above a Buying a home: Conditions of your offer St. Lawrence River. certain level. [DayPlanner When yo web site – Link #279] “offer.” A real estate agent can represent you.You can put certain conditions in your offer for a home. Having Month: a professional inspect the property before closing the Monday Date: Tuesday Date: purchase is a good condition.“Conditional on financing” can give you time to arrange a mortgage. In some cases, t home so yo buyers. [DayPlanner web site – Link #133]

Careers The Petro Wednesday Date: Thursday Date: works to ensure the availability of skilled labour to meet the needs of Canada’s more about the PHRCC at DayPlanner web site – Link #63 or call (403) 516-8100.T Communications Technology Council pushes for inno- vations to provide labour market intelligence, lifelong career development, and quality education and training for Canadians involved in the ICT industry. Learn more about ICTC at DayPlanner web site – Link #64, or call (613) 237-8551. Friday Date: Saturday Date: Jobs & Business Personal re In the same way that a person has rights in Canada—as a worker and as a citizen— each person has responsibilities.This means following laws, treating others with respect, and participating productively in the community. Sunday Date:

120 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:53 AM Page 121

Dates/Events/History Did You Know....? or per- The Quebec Conference in October Famous Canadians include Jim Carrey, ving 1864 put forth 72 resolutions that laid Céline Dion, Shania Twain,Christopher 10 years, the foundation for the union of the Plummer,Wayne Gretzky, Justin Bieber, Old Age provinces into the country of Canada. James Cameron, Michael J. Fox, and Mike at the age Myers.To learn more about “famous e seniors Canadians,” you can link to a number of r other web sites. [DayPlanner web site – Link #2] fi 60. i pension ack” Money Matters Education/Training ystem if a s above a Buying a home: Conditions of your offer Many Canadian companies yPlanner When you find a home you want to buy, you put in an provide training for cur- 279] “offer.” A real estate agent can represent you.You can rent employees and those put certain conditions in your offer for a home. Having they hire. Many employers a professional inspect the property before closing the will look for employees purchase is a good condition.“Conditional on with highly developed financing” can give you time to arrange a mortgage. In “employability skills” and some cases, there may be more than one offer on a then provide the specific home so you may be competing with other interested training needed for the job. buyers. [DayPlanner web site – Link #133] Those looking for employ- ment will want to improve their employability skills and find employers that Careers provide opportunities for training on the job.Visit The Petroleum Human Resources Council of Canada the Conference Board of works to ensure the availability of skilled labour to Canada’s website at meet the needs of Canada’s petroleum industry. Learn www.conferenceboard.ca more about the PHRCC at DayPlanner web site – to learn more about key Link #63 or call (403) 516-8100.The Information and “employability skills”. Communications Technology Council pushes for inno- vations to provide labour market intelligence, lifelong career development, and quality education and training for Canadians involved in the ICT industry. Learn more about ICTC at DayPlanner web site – Link #64, or call (613) 237-8551.

Jobs & Business Personal responsibilities In the same way that a person has rights in Canada—as a worker and as a citizen— each person has responsibilities.This means following laws, treating others with respect, and participating productively in the community.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 121 106-157 14th printing 2013 4/10/13 10:53 AM Page 122

Government Dates/Events/History In some locations, govern- The British North America Act in 1867 ments may provide support united the Province of Canada, Nova for childcare services for Scotia, and New Brunswick as the parents or guardians who work. Publicly funded day- Dominion of Canada—and the country care can reduce the cost of Canada was born. of childcare for those who qualify because their income is low.Those earn- ing higher levels of income must pay for private child- care services. There are Money Matters also “waiting lists” at many There are auto races in Canada in the summer held in daycare facilities. Costs are Buying a home: Buying a new home various communities. often tax deductible. [Day- When you buy a newly built home, certain things are Planner web site – Link #280] guaranteed. For example, the builder is responsible for certain repairs or changes that might be needed. Inspect Month: your new home carefully.You may want to visit the site Monday Date: Tuesday Date: while it is being built to examine the quality of construction. Guarantees are good for a set time only so find out how long the work will be guaranteed. For more information, go to the Canadian Home Builders’ Association web site at http://www.chba.ca. information from the Canada Mortgage and Housing Corporation’s Careers People with disabilities can ap Wednesday Date: Thursday Date: tance—which may help with self-employment, develop- ing skills for employment, and getting devices that can help a person to enter the labour marke more, visit w or DayPlanner web site – Link #311.

Friday Date: Saturday Date: Jobs & Business Employment equity Canada has laws to ensure that each person has an equal opportunity for employ- ment.An employ colour, creed, religion, gender, or sexual orientation. Many companies will have their Sunday Date: own equity policies. Often these are on the company web site.

122 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 123

Dates/Events/History Did You Know....? govern- The British North America Act in 1867 Some 33,000 passengers bound for the d support united the Province of Canada, Nova United States on 9/11 were rerouted to v ces for Scotia, and New Brunswick as the Canada.This included about 6,600 ans who n ed day- Dominion of Canada—and the country passengers who were rerouted to he cost of Canada was born. Gander, Newfoundland. Gander has a ose who population of around 10,000. e r se earn- o income e child- e are Money Matters Education/Training ” at many Costs are Buying a home: Buying a new home Entrepreneurs b e. [Day- When you buy a newly built home, certain things are nk #280] Many programs provide guaranteed. For example, the builder is responsible for training to improve entre- certain repairs or changes that might be needed. Inspect preneurial skills and abili- your new home carefully.You may want to visit the site ties. Some of these are while it is being built to examine the quality of construction. offered through colleges Guarantees are good for a set time only so find out how and universities, and long the work will be guaranteed. For more information, go others are offered to the Canadian Home Builders’ Association web site at privately. DayPlanner web http://www.chba.ca.You can also get more helpful site – Link #235 provides information from the Canada Mortgage and Housing links to programs, organi- Corporation’s website at http://www.cmhc-schl.gc.ca zations, and resources that Careers help those wanting to start their own business People with disabilities can apply for financial assis- to develop entrepreneurial tance—which may help with self-employment, develop- skills.The website ing skills for employment, and getting devices that can www.mvp.cfee.org can help a person to enter the labour market.To learn help. more, visit www.servicecanada.gc.ca/eng/of/index.shtml or DayPlanner web site – Link #311.

Jobs & Business Employment equity Canada has laws to ensure that each person has an equal opportunity for employ- ment.An employer cannot discriminate against a person because of his or her race, colour, creed, religion, gender, or sexual orientation. Many companies will have their own equity policies. Often these are on the company web site.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 123 106-157 14th printing 2013 4/10/13 10:54 AM Page 124

Government Dates/Events/History There is no national day- In the years following confederation in care program in Canada. 1867, settlement spread west.As it did, Daycare centres are set up the need for law enforcement arose.The and run locally. Be aware Northwest Mounted Police were formed that they can vary quite a in 1873.This force would later become bit in terms of size, servic- the Royal Canadian Mounted Police es, and number of care- (RCMP). givers. Daycares should be “licenced” to show they meet government stan- Money Matters dards. Prince Edward Island is Canada’s smallest province. Leasing/renting accommodation It has popular red sand beaches. Many people in Canada re buy it.They may rent a house, townhouse, condomini- um, apartment, and so forth.To rent or lease, you will Month: usually need to sign a lease with a landlord. Leases are Monday Date: Tuesday Date: often signed for a period of one year. If you need to “break the lease”—that is, move before the year is over—there may be a cost.The landlord is the owner or manager of the property.

Careers The Wood Manu Wednesday Date: Thursday Date: the skilled labour needs of Canada’s wood products industry. site – Link #66, or call (613) 567-5511.

Friday Date: Saturday Date: Jobs & Business Workers Workplaces across Canada will, in many cases, be designed to enable workers with disabilities to have an equal opportunity for employment. Government employers make particular efforts to ensure that workplaces are designed to accommodate Sunday Date: those with disabilities.There are associations in Canada to help those with disabilities find employment. See page 220 for a list of some of these organizations. [DayPlanner web site – Link #172]

124 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 125

Dates/Events/History Did You Know....? al day- In the years following confederation in There were 280,681 new immigrants to Canada. 1867, settlement spread west.As it did, Canada in 2010.The top five source are set up the need for law enforcement arose.The countries were the Philippines, India, e aware Northwest Mounted Police were formed People’s Republic of China, the United y quite a in 1873.This force would later become Kingdom and the United States. z , servic- the Royal Canadian Mounted Police f care- (RCMP). hould be w they t stan- Money Matters Education/Training

Leasing/renting accommodation Database of training Many people in Canada rent their home rather than programs buy it.They may rent a house, townhouse, condomini- Canada’s colleges provide um, apartment, and so forth.To rent or lease, you will education and training in usually need to sign a lease with a landlord. Leases are virtually every field of often signed for a period of one year. If you need to study. For links to these “break the lease”—that is, move before the year is institutions, visit the over—there may be a cost.The landlord is the owner Association of Canadian or manager of the property. Community Colleges web site at www.accc.ca/xp/ index.php/en/members/ memberinstitutions or DayPlanner web site – Careers Link #236. The Wood Manufacturing Council works to address the skilled labour needs of Canada’s wood products industry. Learn more about WMC at DayPlanner web site – Link #66, or call (613) 567-5511.

Jobs & Business Workers with Disabilities Workplaces across Canada will, in many cases, be designed to enable workers with disabilities to have an equal opportunity for employment. Government employers make particular efforts to ensure that workplaces are designed to accommodate those with disabilities.There are associations in Canada to help those with disabilities find employment. See page 220 for a list of some of these organizations. [DayPlanner web site – Link #172]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 125 106-157 14th printing 2013 4/10/13 10:54 AM Page 126

Government Dates/Events/History Be aware that it is against Alexander Graham Bell first demonstrated the law to leave young his invention—the telephone—in Canada children unattended at in 1874.The first phone call was made in home or in a car.The legal Boston in 1875—and the first long age may vary, and you distance call was in Canada in 1876. should check local laws if you are concerned about this. It is common for parents/guardians to hire local “babysitters” or care- Money Matters givers to watch their chil- Log cabins were an early form of housing in Canada. dren while they go out. Leasing/renting accommodation Pictured is a man building one recently in the Yukon. It is best if babysitters have If you sign a lease to re training and experience. lease will indicate such things as how much rent you will pay p Month: such as utilities like hydro, gas, and cable TV. Check a Monday Date: Tuesday Date: lease carefully before signing it. Keep a copy of your lease in case you need to refer to it.You may want to consider re there be fire, damage or theft while you are renting.

Careers You can get info Wednesday Date: Thursday Date: network effectively) through McGill University’s Career Planning Service.To learn more, visit w caps/students/job-searc web site – Link #312.

Friday Date: Saturday Date: Jobs & Business Women in the workforc Women in Canada have an equal status to men in the workplace, and no woman should be denied a job or an opport gender.There are organizations in Canada that help to protect women’s rights. Be Sunday Date: aware that it is not necessary to discuss your marital status or other similar personal information in a job interview. [DayPlanner web site – Link #173]

126 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 127

Dates/Events/History Did You Know....? against Alexander Graham Bell first demonstrated According to the 2006 Census, 6,186,950 y ung his invention—the telephone—in Canada people living in Canada were born in d d at in 1874.The first phone call was made in another country.That represents 19.8%, he legal Boston in 1875—and the first long or one in five of the total population. you distance call was in Canada in 1876. a laws if e about n for to hire ” or care- Money Matters Education/Training heir chil- o out. Leasing/renting accommodation The Professions tters have If you sign a lease to rent a property as your home, the If you are interested in a r ence. lease will indicate such things as how much rent you professional career area in will pay per month as well as what will be included, Canada such as becoming such as utilities like hydro, gas, and cable TV. Check a a doctor, lawyer, engineer, lease carefully before signing it. Keep a copy of your dentist, or business execu- lease in case you need to refer to it.You may want to tive, DayPlanner web site consider renters’ insurance to protect yourself should – Link #237 will connect there be fire, damage or theft while you are renting. you to many of the professional schools in Canada. Check the quali- fications needed in Canada for the different professions. Careers Make sure any program you want to register for You can get information on networking (and how to is accredited, is necessary, network effectively) through McGill University’s Career and will be recognized. Planning Service.To learn more, visit www.mcgill.ca/ caps/students/job-search/networking or DayPlanner web site – Link #312.

Jobs & Business Women in the workforce Women in Canada have an equal status to men in the workplace, and no woman should be denied a job or an opportunity for work or advancement on the basis of gender.There are organizations in Canada that help to protect women’s rights. Be aware that it is not necessary to discuss your marital status or other similar personal information in a job interview. [DayPlanner web site – Link #173]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 127 106-157 14th printing 2013 4/10/13 10:54 AM Page 128

Government Dates/Events/History Some employers or Railways helped to link the different workplaces provide parts of Canada.The last spike of the daycare services for the railway running all across Canada was children of employees.This driven in Eagle Pass, British Columbia on may be something you November 7, 1885. want to check with a prospective employer. Local schools can usually provide information on daycare as well. Money Matters

Red Rocks in the province of Prince Edward Island. Leasing/renting accommodation The person pay the tenant or lessee.The person who owns/manages the property is called the landlord or lessor. Both the Month: tenant and landlord have rights.Visit DayPlanner web Monday Date: Tuesday Date: site – Link #134 to re

Careers The Canadian Skills A Wednesday Date: Thursday Date: The Canadian Skills Alliance helps coordinate information related to the activities of the various Sector Councils.You can learn more about the Sector Council netwo do, by visiting the DayPlanner web site – Link #67.

Friday Date: Saturday Date: Jobs & Business Payroll deductions Often, part-time workers don’t receive the non-statutory benefits that full-time workers receive.As a result, they often don’t have the same deductions from their paycheques.The best examples of these discretionary benefits are contributions to Sunday Date: retirement savings plans and medical and prescription benefits.This can mean a higher net pay for part-time workers than if they had to pay the deductions—but they also don’t receive the benefits.

128 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 129

Dates/Events/History Did You Know....? r Railways helped to link the different Immigrants to Canada in 2010 came e parts of Canada.The last spike of the from the following regions of the world. r the railway running all across Canada was Asia and the Pacific – 63,145 o ees.This driven in Eagle Pass, British Columbia on Europe – 21,336 g you November 7, 1885. Central and South America including th a the Caribbean – 13,513 yer. Africa and the Middle East – 34,399 usually United States – 4,578 on on Money Matters Education/Training

Leasing/renting accommodation Language classes The person paying rent to live in a property is called There are many the tenant or lessee.The person who owns/manages opportunities to learn the property is called the landlord or lessor. Both the English and French in tenant and landlord have rights.Visit DayPlanner web Canada. Often there are site – Link #134 to review the rights of both. classes on weekend for people who work Monday to Friday. Learning English or French is an important part of finding a job.Visit http://www.servicecanada. gc.ca/eng/goc/linc.shtml for more information and Careers help.* The Canadian Skills Alliance The Canadian Skills Alliance helps coordinate information related to the activities of the various Sector Councils.You can learn more about the Sector Council network in Canada, and what Sector Councils do, by visiting the DayPlanner web site – Link #67.

Jobs & Business Payroll deductions Often, part-time workers don’t receive the non-statutory benefits that full-time workers receive.As a result, they often don’t have the same deductions from their paycheques.The best examples of these discretionary benefits are contributions to retirement savings plans and medical and prescription benefits.This can mean a higher net pay for part-time workers than if they had to pay the deductions—but they also don’t receive the benefits.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 129 106-157 14th printing 2013 4/10/13 10:54 AM Page 130

Government Dates/Events/History It may be possible for you National Hockey League teams play to obtain help with daycare today for the Stanley Cup.The Stanley while you participate in Cup was donated by Governor General language-training programs. Lord Stanley and was won first by Check with the language- Montreal who defeated Ottawa 3–1 training program to find on March 22, 1894. out if financial assistance is available for daycare and for transportation. Money Matters

Fishing at Laverty Falls in Fundy, New Brunswick. Leasing/renting accommodation When a person signs a lease to re often for a period of a year. Some leases are month-to- month. S Month: of a lease, a new lease can be signed if the landlord and Monday Date: Tuesday Date: tenant agree on the terms of the new lease. In some cases you may be able to rent from month to month, without a lease. ment in writing with your landlord.

Careers During yo Wednesday Date: Thursday Date: career, you may be eligible for one or more govern- ment benefits to assist you financially.To see whether any of these benefit Benefits” site at w

Friday Date: Saturday Date: Jobs & Business Being fir There are a number of terms used to describe when a worker has lost his or her job.A worker who is fired, or terminated, loses his/her job because the employer decides that the worker has not done a good job, has made a serious mistake, or has Sunday Date: done something illegal. You can also be “let go” if you do not meet the terms of your contract—or if the company no longer requires your position. An employer must have a good reason for firing an employee. If there is not a good reason, the employ- ee can claim “wrongful dismissal” and take the employer to court. 130 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 131

Dates/Events/History Did You Know....? for you National Hockey League teams play According to the 2011 Census, people th daycare today for the Stanley Cup.The Stanley whose mother tongue is neither English p te in Cup was donated by Governor General nor French represented 19.8%, or one- programs. Lord Stanley and was won first by fifth, of the population. a guage- Montreal who defeated Ottawa 3–1 to find on March 22, 1894. fi stance is are and n Money Matters Education/Training

Leasing/renting accommodation There are many programs When a person signs a lease to rent a property, it is available to help those often for a period of a year. Some leases are month-to- whose first language is not month. Some can be for longer than a year.At the end English or French. Check of a lease, a new lease can be signed if the landlord and with local immigrant- tenant agree on the terms of the new lease. In some serving agencies to find cases you may be able to rent from month to month, ESL (English as a Second without a lease. If you do, you should have some agree- Language) or FSL (French ment in writing with your landlord. as a Second Language) programs in your area.*

Careers During your search for a job, or while planning your career, you may be eligible for one or more govern- ment benefits to assist you financially.To see whether any of these benefits apply to you, visit the “Canada Benefits” site at www.canadabenefits.gc.ca

Jobs & Business Being fired There are a number of terms used to describe when a worker has lost his or her job.A worker who is fired, or terminated, loses his/her job because the employer decides that the worker has not done a good job, has made a serious mistake, or has done something illegal. You can also be “let go” if you do not meet the terms of your contract—or if the company no longer requires your position. An employer must have a good reason for firing an employee. If there is not a good reason, the employ- ee can claim “wrongful dismissal” and take the employer to court. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 131 106-157 14th printing 2013 4/10/13 10:54 AM Page 132

Government Dates/Events/History There are increasing Wilfred Laurier became Canada’s first numbers of organizations French-Canadian Prime Minister when he helping with “eldercare,” led the Liberal Party to victory over the that is, care of older Conservatives on June 23, 1896. persons.A good place to check for information on this is with local ethnic/cultural groups and organizations. Money Matters

Camping is a popular summer activity in Canada. Leasing/renting accommodation Shown here are campers in Point Pelee, Ontario. Before signing a lease to rent a property, you should check the following: • The term of the lease—how long you are agreeing to Month: pay rent for • The monthly Monday Date: Tuesday Date: • Whether or not utilities (electricity, gas cable,TV, Internet) are included • If there • If there • Details on garbage pick up and property maintenance • Is there an inspection before you move in—so you can check that everything is in good order Careers If, in planning yo Wednesday Date: Thursday Date: post-secondary education courses on a part-time or full-time basis and need financial aid, you may be eligible for some fin pay for continuing education.The federal government’s “CanLearn” site can help you learn about getting money for school that does not need to be paid back, such as scholarships, g learn how to use government-registered savings plans to pay for your studies at an accredited university, college or trade school.Visit w Friday Date: Saturday Date: Jobs & Business Layoffs/cutbacks/downsizing When a business is selling less of its products or services, it usually makes less money or loses money This often means fewer workers are required. Some workers may be “laid off” as a Sunday Date: result of the “cutbacks” or “downsizing” of the company.The loss of jobs may be temporary or permanent depending on how well the company does thereafter.

132 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 133

Dates/Events/History Did You Know....? ng Wilfred Laurier became Canada’s first As of 2011, 50% of the people living in zations French-Canadian Prime Minister when he Toronto were not born in Canada. e care,” led the Liberal Party to victory over the Toronto is one of the most multicultural der Conservatives on June 23, 1896. cities in the world. 39.6% of the people p ace to living in Vancouver were not born in a ion on Canada. oups and Money Matters Education/Training

Leasing/renting accommodation On-the-job training Before signing a lease to rent a property, you should Many companies provide check the following: opportunities for on-the- • The term of the lease—how long you are agreeing to job training. Even if you pay rent for don’t have the exact • The monthly rental charge qualifications for the job, • Whether or not utilities (electricity, gas cable,TV, the company may think Internet) are included • If there is parking and, if so, is there an added cost you have potential and be • If there is snow removal/lawn services willing to hire and train • Details on garbage pick up and property maintenance you to do a specific job. • Is there an inspection before you move in—so you can Employers will be check that everything is in good order interested in those who have well-developed Careers “essential skills” and “employability skills”.Visit If, in planning your career, you are considering taking www.conferenceboard.ca post-secondary education courses on a part-time or or www.rhdcc-hrsdc.gc.ca/ full-time basis and need financial aid, you may be eligible eng/workplaceskills/ for some financial assistance.There are many ways to essential_skills/general/ pay for continuing education.The federal government’s home.shtml “CanLearn” site can help you learn about getting money for school that does not need to be paid back, such as scholarships, grants, and bursaries.You can also learn how to use government-registered savings plans to pay for your studies at an accredited university, college or trade school.Visit www.canlearn.ca.

Jobs & Business Layoffs/cutbacks/downsizing When a business is selling less of its products or services, it usually makes less money or loses money. In such times, the business may cut back on how much it produces. This often means fewer workers are required. Some workers may be “laid off” as a result of the “cutbacks” or “downsizing” of the company.The loss of jobs may be temporary or permanent depending on how well the company does thereafter.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 133 106-157 14th printing 2013 4/10/13 10:54 AM Page 134

Government Dates/Events/History The federal government In 1896 a group of gold miners discov- has a policy of official ered gold in Bonanza Creek—a tributary bilingualism.This means of the Klondike River.This discovery led that all Canadians have the many people—about 100,000—north to right to communicate with try and find gold.This period is called the the federal government in Gold Rush. either English or French.* [DayPlanner web site – Link #281] www.pch.gc.ca/ eng/1266413216352/ Money Matters 126824/92 Wildlife is common throughout Canada. Pictured is a Financial advisers male deer at Waterton Lake, Alberta. Some people want help to manage and inv money. Financial advisers are trained professionals who can give Month: financial advisers are licensed to offer specific services. Monday Date: Tuesday Date: Check that your adviser can provide the services you need and is qualified to do so. Know what the fees are for different services. Make sure that you trust their qualifications and that you know their fees. [DayPlanner web site – Link #135]

Careers Professions Wednesday Date: Thursday Date: Some professions require licensing or certification (for example: teachers, physicians, tilesetters, truck drivers) that may differ depending on the province or territory where you want to work.Visit the Working in Canada Tool to learn more. [DayPlanner web site – Link #184]

Friday Date: Saturday Date: Jobs & Business Severance vers When a business experiences a difficult period, it may need fewer workers.At such times, it may things improve.The business may also give severance to workers if the job is over Sunday Date: permenantly.Visit DayPlanner web site – Link #174 for more information.

134 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 135

Dates/Events/History Did You Know....? ment In 1896 a group of gold miners discov- Canada’s population is made up of 200 ficial ered gold in Bonanza Creek—a tributary different ethnic origins. By comparison, means of the Klondike River.This discovery led the 1901 Census counted about 25 differ- s have the many people—about 100,000—north to ent ethnic groups in Canada. cate with try and find gold.This period is called the nment in Gold Rush. French.* ite – pch.gc.ca/ 52/ Money Matters Education/Training

Financial advisers Cost of tuition Some people want help to manage and invest their There are significant money. Financial advisers are trained professionals who differences in the cost of can give you financial planning advice for a fee. Some college and university financial advisers are licensed to offer specific services. tuition—the fee paid to Check that your adviser can provide the services you attend the college or need and is qualified to do so. Know what the fees are university.Tuition fees are for different services. Make sure that you trust their often between $2,000 and qualifications and that you know their fees. [DayPlanner $6,000 per year. Contact web site – Link #135] the college or university directly, or visit their web sites, to review and compare tuition costs. Careers [DayPlanner web site – Professions Link #238] Some professions require licensing or certification (for example: teachers, physicians, tilesetters, truck drivers) that may differ depending on the province or territory where you want to work.Visit the Working in Canada Tool to learn more. [DayPlanner web site – Link #184]

Jobs & Business Severance versus layoff When a business experiences a difficult period, it may need fewer workers.At such times, it may lay off workers.This means the workers may come back if or when things improve.The business may also give severance to workers if the job is over permenantly.Visit DayPlanner web site – Link #174 for more information.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 135 106-157 14th printing 2013 4/10/13 10:54 AM Page 136

Government Dates/Events/History Many governments in Canada first sent troops overseas in Canada, including the federal 1899 to fight in the Boer War in South government, have policies to Africa. ensure that Canada is a multicultural society. Newcomers are encour- aged to hold on to impor- tant customs and traditions as they build a new home and adapt to life here. In Money Matters many ways, Canada cele- Much of Canada is covered in forest. Pictured here is a brates and takes pride in Investing: Professional help rain forest on the Pacific Rim in B.C. its cultural diversity. [Day- There are Planner web site – Link #282] and oversee investment companies and advisers. These organizations protect investors. See DayPlanner Month: website – Links #135 and #140 for more information Monday Date: Tuesday Date: on investing and advisers.

Careers Recognition of your qualific Wednesday Date: Thursday Date: of Canada Some jobs in Canada re registration.These are called “regulated occupations” and may apprenticeable trades. Licensing requirements may be different, d you want to work. For a list of some of the regulated professions in Canada, see pages 220-221. If you are trained or have worked in a regulated occupation, you can get help fro Friday Date: Saturday Date: Credentials Referral Office. w Jobs & Business Severance pay Usually when a worker is “fired without cause,” “let go,” “dismissed,” or “laid off” without notice, will usually depend on how long the worker has been employed at the company. Sunday Date: The money is given to help the worker through the initial period of unemployment. Notice periods and severance pay are issues that are determined by provincial or territorial labour legislation. I through a labour tribunal or through a challenge in the courts. 136 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 137

Dates/Events/History Did You Know....? in Canada first sent troops overseas in According to the 2011 Census, nearly the federal 1899 to fight in the Boer War in South one out of three Canadians was a baby- policies to Africa. boomer (born between 1946 and 1965). d is a There were approx. 4.4 million e y. Canadians aged 55 to 64 and approx. e cour- 1.3 million Canadians aged 80 and over. o impor- traditions w home re. In Money Matters Education/Training d cele- p ide in Investing: Professional help Costs other than tuition ty. [Day- There are many organizations in Canada that regulate In addition to tuition, L nk #282] and oversee investment companies and advisers. students will have other These organizations protect investors. See DayPlanner costs.These can include website – Links #135 and #140 for more information books and materials, on investing and advisers. accommodation, food, student fees, and so on. There are some resources available to help estimate the total cost of college or university. Visit www.canlearn.ca for help or DayPlanner web site – Careers Link #239 Recognition of your qualifications obtained outside of Canada Some jobs in Canada require a licence, certificate, or registration.These are called “regulated occupations” and may also be called professions, skilled trades, or apprenticeable trades. Licensing requirements may be different, depending on the province or territory where you want to work. For a list of some of the regulated professions in Canada, see pages 220-221. If you are trained or have worked in a regulated occupation, you can get help from the federal government’s Foreign Credentials Referral Office. www.credentials.gc.ca Jobs & Business Severance pay Usually when a worker is “fired without cause,” “let go,” “dismissed,” or “laid off” without notice, the worker will receive severance pay of some amount.The amount will usually depend on how long the worker has been employed at the company. The money is given to help the worker through the initial period of unemployment. Notice periods and severance pay are issues that are determined by provincial or territorial labour legislation. In some instances, individuals can appeal severance, either through a labour tribunal or through a challenge in the courts. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 137 106-157 14th printing 2013 4/10/13 10:54 AM Page 138

Government Dates/Events/History The opposition party with In August of 1905 Roald Amundsen sailed the most members of the across the north of Canada proving that House of Commons is the there was a northwest passage connect- Official Opposition or Her ing the Atlantic Ocean with the Pacific Majesty’s Loyal Opposition. Ocean across the north of Canada. The other parties (those not in power) are known as opposition parties.The role of opposition parties is to peacefully oppose or Money Matters try to improve government Nahanni in Canada’s Northwest Territories. proposals. Investing: Managing your own investments Some people pre without the help or cost of a professional.You can set up your own investment account at a discount broker- Month: age, or with a financial institution.There are still costs Monday Date: Tuesday Date: associated with buying and selling these investments but the costs are often less than what it costs to use an adviser. advice on which investments to buy and sell—or when to buy and sell. S these. [DayPlanner web site – Link #136]

Careers Value of newcomers Wednesday Date: Thursday Date: Be aware that more and more companies are recognizing and needing the cultural knowledge, skills, and awareness of newcomers.These are becoming more valuable to companies as they expand their business activities internationally. Many companies will, therefore, value newcomers and be attracted to the skills and know

Friday Date: Saturday Date: Jobs & Business Probationary periods Many employers will hire workers for a probationary period. During this time, the employe probationary period, the employee will usually either be offered a permanent job or Sunday Date: be let go.A typical probation period is about three months. Often an employee will not receive “benefits” until after the probationary period is over.

138 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 139

Dates/Events/History Did You Know....? rty with In August of 1905 Roald Amundsen sailed According to Statistics Canada, Canada’s rs of the across the north of Canada proving that population grew by 5.9% between 2006 ons is the there was a northwest passage connect- and 2011. fi n or Her ing the Atlantic Ocean with the Pacific position. Ocean across the north of Canada. s (those e known t es.The n parties ppose or Money Matters Education/Training o ernment Investing: Managing your own investments Assessing credentials Some people prefer to manage their own investments Colleges and universities without the help or cost of a professional.You can set will help to assess your up your own investment account at a discount broker- academic credentials once age, or with a financial institution.There are still costs you apply. Bring all records associated with buying and selling these investments of your education and but the costs are often less than what it costs to use training with you. Bring an adviser. But, in this case, you will not be given any names of contacts at the advice on which investments to buy and sell—or when schools if you can. Don’t to buy and sell. See page 236 for a list of some of pay private assessors these. [DayPlanner web site – Link #136] unnecessarily.The Canadian Information Centre for International Careers Credentials [CICIC] can also be helpful.The Value of newcomers schools can provide the Be aware that more and more companies are information you need. recognizing and needing the cultural knowledge, skills, Visit www.cicic.ca and awareness of newcomers.These are becoming more valuable to companies as they expand their business activities internationally. Many companies will, therefore, value newcomers and be attracted to the skills and knowledge they can bring to the company.

Jobs & Business Probationary periods Many employers will hire workers for a probationary period. During this time, the employee will work to show if he or she can do the job effectively.At the end of the probationary period, the employee will usually either be offered a permanent job or be let go.A typical probation period is about three months. Often an employee will not receive “benefits” until after the probationary period is over.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 139 106-157 14th printing 2013 4/10/13 10:54 AM Page 140

Government Dates/Events/History The Canadian justice sys- The first stone for Canada’s Parliament tem guarantees everyone Buildings was laid on September 1, 1860. due process under the law. The Parliament Buildings were destroyed In Canada, everyone is by fire in 1916 but the Library of innocent until proven Parliament was saved. guilty. Canada has an organized system of laws to guide people in our society.These laws are made by elected represen- Money Matters tatives.The courts settle Hiking is a popular activity in Canada. Pictured are hik- disputes and the police Investing: Types of investments ers in Kluane Park in Canada’s Yukon Territory. enforce the laws.* Do you hav Investing can help the value of your savings grow more quickly—especially when interest rates are low.There Month: are many types of investments, including GICs, bonds, Monday Date: Tuesday Date: stocks, a their possible risk and return—the higher the possible return the higher the risk. F the web site of the Canadian Securities A www.csa-acvm.ca.

Careers Private, Wednesday Date: Thursday Date: organizations Organizations in Canada tend to fall into one of four categories: 1. public or government organizations 2. private businesses 3. non-government organizations (charities, associations) and 4. volunteer organizations Job seekers should consider these different options. Friday Date: Saturday Date: Jobs & Business Employment insura When you are working, Employment Insurance, or EI, is subtracted from your pay. This is money that is paid to the federal government to support programs designed to assist those who are unemployed or underemployed. If you lose your job, you may Sunday Date: be able to collect Employment Insurance while you look for another job.There are rules and regulations that determine when you get EI, how much you get, and how long you can get it.Visit w web site – Link #175. 140 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 141

Dates/Events/History Did You Know....? ce sys- The first stone for Canada’s Parliament According to Statistics Canada more veryone Buildings was laid on September 1, 1860. than four-fifths of Canadians live in urban e the law. The Parliament Buildings were destroyed areas and fewer than one in five Canadians o e is by fire in 1916 but the Library of live in rural areas. ven Parliament was saved. an of laws n our w are represen- Money Matters Education/Training s settle olice Investing: Types of investments Deciding on a college or * Do you have savings that you would like to invest? university Investing can help the value of your savings grow more Before deciding on a col- quickly—especially when interest rates are low.There lege or university, visit are many types of investments, including GICs, bonds, their web site. Compare stocks, and mutual funds. Investments differ in terms of programs and costs.Visit their possible risk and return—the higher the possible the campus if you can.Talk return the higher the risk. For more information, visit with others who studied the web site of the Canadian Securities Administrators there. Before you make www.csa-acvm.ca. [DayPlanner web site – Link #137] your decision, think about what is most important to you or your child. Careers Private, public, non-government, and volunteer organizations Organizations in Canada tend to fall into one of four categories: 1. public or government organizations 2. private businesses 3. non-government organizations (charities, associations) and 4. volunteer organizations Job seekers should consider these different options.

Jobs & Business Employment insurance When you are working, Employment Insurance, or EI, is subtracted from your pay. This is money that is paid to the federal government to support programs designed to assist those who are unemployed or underemployed. If you lose your job, you may be able to collect Employment Insurance while you look for another job.There are rules and regulations that determine when you get EI, how much you get, and how long you can get it.Visit www.servicecanada.gc.ca/eng/sc/ei/index.shtml or DayPlanner web site – Link #175. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 141 106-157 14th printing 2013 4/10/13 10:54 AM Page 142

Government Dates/Events/History There are different types of Income tax was introduced as a tempo- police in Canada.There are rary measure in 1917 to help cover the provincial police forces in costs of World War I. Income tax Ontario and Quebec and remains in place to this day. municipal police depart- ments in all provinces.The Royal Canadian Mounted Police (RCMP) enforce federal laws and serve as the provincial police in all Money Matters provinces and territories Mountain climbers who reached the top of Mount except Ontario and Investing: Rate of return Logan—Canada’s highest mountain. Quebec, as well as in some When yo municipalities. * amount of money you make will depend on the rate of return. In general, the greater the possible gain, the Month: greater the possible loss.That means that investments Monday Date: Tuesday Date: with higher possible re you choose to make a risky investment, make sure you can handle the risk of losing that money web site – Link #138]

Careers Occupations Wednesday Date: Thursday Date: There are opportunities in a number of different sectors for many occupations. If you are interested in information, education, and training for a particular occupation, information on the following pages should help. Note that there are many more occupations than those identifie Canada we occupations. w

Friday Date: Saturday Date: Jobs & Business Profits, g Often the number of people working for a company is related to how well the company company sells more, it will need to produce more.This will increase the company’s Sunday Date: need for workers.Therefore, when looking for a job, it is good to look for companies that are doing well—selling lots of goods and services, earning profits, and likely to grow.

142 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 143

Dates/Events/History Did You Know....? types of Income tax was introduced as a tempo- The main source of population growth in There are rary measure in 1917 to help cover the Canada is now immigration. Immigration orces in costs of World War I. Income tax currently accounts for more than two- bec and remains in place to this day. thirds of Canada’s population. epart- nces.The ounted orce erve as ce in all Money Matters Education/Training r tories nd Investing: Rate of return Tax credit in some When you invest money, you hope to make money.The There is a tax credit, to amount of money you make will depend on the rate a maximum amount, of return. In general, the greater the possible gain, the available for money spent greater the possible loss.That means that investments on education. Check with higher possible returns are usually more risky. If to see if any of your you choose to make a risky investment, make sure you education expenses, or can handle the risk of losing that money. [DayPlanner those of family members web site – Link #138] are eligible for the tax credit.There can also be a tax credit for moving expenses related to Careers schooling. Occupations There are opportunities in a number of different sectors for many occupations. If you are interested in information, education, and training for a particular occupation, information on the following pages should help. Note that there are many more occupations than those identified on the following pages.The Working in Canada website can also be very helpful in exploring occupations. www.workingincanada.gc.ca

Jobs & Business Profits, growth, and new jobs Often the number of people working for a company is related to how well the company is doing in terms of selling the products and services it produces. If the company sells more, it will need to produce more.This will increase the company’s need for workers.Therefore, when looking for a job, it is good to look for companies that are doing well—selling lots of goods and services, earning profits, and likely to grow.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 143 106-157 14th printing 2013 4/10/13 10:54 AM Page 144

Government Dates/Events/History Most communities have Canadians helped to win the Battle of public libraries that are Vimy Ridge (April 9–12 1917) and built and maintained by Passchendaele (November 6, 1917) as municipal and provincial part of World War 1.April 9 is Vimy or territorial governments. Day—a day when we remember the These are open to the 3,578 Canadians killed and approximately public to use for research, 7,000 wounded. leisure, access to reading material, school work, and more. Libraries are often Money Matters open during the evening Green Garden Trail in Gros Morne Park in and provide access to books Investing: Bonds Newfoundland. and other resources at no Bonds are cost. a way of borrowing money.When you invest in bonds, you receive a guaranteed rate of interest over a period Month: of time (for example, 4% a year for 10 years). Bonds Monday Date: Tuesday Date: are bought and sold through the bond market, which is similar to the stock market.The government of Canada sells Canada Sav safe inve bond before you decide to invest.

Careers Entrepre Wednesday Date: Thursday Date: Interested in learning more about being an entrepreneur and starting your own small business? If so, many resources can help you explore possibilities in this career area.Visit the DayPlanner web site – Link #71 to link to information regarding education and training in this fie

Friday Date: Saturday Date: Jobs & Business Salary Employees working for a company are usually paid a salary or a wage.A salary is the total pay payments such as once a week, once every two weeks, or twice a month. For example, Sunday Date: if a person earning $39,000 is paid every two weeks, he/she would receive $1,500 every two weeks minus deductions such as income tax, Canada Pension Plan contributions, E or “net pay.” 144 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 145

Dates/Events/History Did You Know....? have Canadians helped to win the Battle of According to the 2011 Census, Canada at are Vimy Ridge (April 9–12 1917) and had six metropolitan areas with more n d by Passchendaele (November 6, 1917) as than one million people:Toronto, o incial part of World War 1.April 9 is Vimy Montréal,Vancouver, Calgary, Ottawa- rnments. Day—a day when we remember the Gatineau, and Edmonton. o the 3,578 Canadians killed and approximately esearch, 7,000 wounded. eading work, and r often Money Matters Education/Training evening s to books Investing: Bonds Professional schools at ces at no Bonds are issued by governments and corporations as colleges/universities a way of borrowing money.When you invest in bonds, Some professions (for you receive a guaranteed rate of interest over a period example, medicine, law, of time (for example, 4% a year for 10 years). Bonds engineering) have are bought and sold through the bond market, which is professional schools at the similar to the stock market.The government of Canada colleges and universities. sells Canada Savings Bonds.These are considered as These programs can be safe investments. Consider the rate of return on any more expensive than bond before you decide to invest. others. Check the costs with the university or college. Careers Entrepreneur Interested in learning more about being an entrepreneur and starting your own small business? If so, many resources can help you explore possibilities in this career area.Visit the DayPlanner web site – Link #71 to link to information regarding education and training in this field.

Jobs & Business Salary Employees working for a company are usually paid a salary or a wage.A salary is the total pay for a year, for example, $39,000 a year.The salary will be divided into payments such as once a week, once every two weeks, or twice a month. For example, if a person earning $39,000 is paid every two weeks, he/she would receive $1,500 every two weeks minus deductions such as income tax, Canada Pension Plan contributions, Employment Insurance, and so on.The result is your “take home pay” or “net pay.” CFEE’s DayPlanner Web site: www.cfeedayplanner.com 145 106-157 14th printing 2013 4/10/13 10:54 AM Page 146

Government Dates/Events/History Most urban municipal In Halifax on December 6, 1917, a muni- governments provide local tions ship exploded killing almost 2,000 public transit such as and injuring about 9,000. buses, subways, and street- cars. Users of public transit pay a fare to use the transit system. Often the exact fare or a token is required. Many larger municipal governments try Money Matters to encourage use of public Some hearty Canadians go winter camping. Campers transit to reduce traffic Investing: Stocks congestion and air pollu- shown are in Auyuittuq, Northwest Territories. Stocks are bought and sold through stockbrokers and tion caused by cars. the stock exchange.To invest in stocks, you must set up an investment account at a financial institution.You Month: must pay a commission to the financial institution to Monday Date: Tuesday Date: buy and sell stocks.Y professional advice. Using the services of a broker will cost an add with advice for your investments in stocks – also called equities. [ 237 for c tions in Canada. Careers Business Wednesday Date: Thursday Date: There are many business courses, schools, and pro- grams across Canada. If you would like to explore opportunities for business training, visit DayPlanner web site – Link #72.

Friday Date: Saturday Date: Jobs & Business Wages Employees can be paid a salary or wage.A wage is an hourly rate of pay such as $10 per hour, $15 per hour, and so on.The total pay will depend on how many hours are worked each week. Over a certain number of hours, a worker may receive “over- Sunday Date: time” pay. Each province and territory has determined a minimum wage that must be paid to workers.

146 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 147

Dates/Events/History Did You Know....? pal In Halifax on December 6, 1917, a muni- According to Statistics Canada, Canada’s v de local tions ship exploded killing almost 2,000 native-born population grew by just h as and injuring about 9,000. approximately 379,000 people between nd street- 2007 and 2011, whereas 1 million b ic transit immigrants arrived in Canada during the those five years. en the en is rger ments try Money Matters Education/Training of public raffic Investing: Stocks Diplomas versus degrees r pollu- Stocks are bought and sold through stockbrokers and Some schools, or school rs. the stock exchange.To invest in stocks, you must set up programs, offer “diplomas,” an investment account at a financial institution.You not “degrees,” to graduates. must pay a commission to the financial institution to If you are interested in a buy and sell stocks.You may also hire a broker for particular career, see if a professional advice. Using the services of a broker will degree or diploma is cost an additional fee but he or she will provide you required. with advice for your investments in stocks – also called equities. [DayPlanner web site – Link #139]. See page 237 for contact information on key financial associa- tions in Canada. Careers Business There are many business courses, schools, and pro- grams across Canada. If you would like to explore opportunities for business training, visit DayPlanner web site – Link #72.

Jobs & Business Wages Employees can be paid a salary or wage.A wage is an hourly rate of pay such as $10 per hour, $15 per hour, and so on.The total pay will depend on how many hours are worked each week. Over a certain number of hours, a worker may receive “over- time” pay. Each province and territory has determined a minimum wage that must be paid to workers.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 147 106-157 14th printing 2013 4/10/13 10:54 AM Page 148

Government Dates/Events/History The federal government Many Canadians played a significant role runs Canada Post, the in World War I in Europe. Of the nation’s postal service. 620,000 Canadians who served in the Canada’s postal service is War, 67,000 were killed and 173,000 quite efficient and reliable were wounded. [Source: (however, don’t send cash Companion to the First World War in the mail). Regular mail is Nicholson, Longman 2001, pg. 248 usually delivered within two to four business days. You can pay a higher fee to Money Matters get faster delivery—such Pictured is a beautiful winter scene—Cameron Creek, as next day delivery. [Day- Investing: Mutual funds Waterton Lakes National Park. Planner web site – Link A mutual fund pools the money #284] funds are invested by a professional money manager. Investors pay for this professional service through Month: administrative fees.The past performance of a fund Monday Date: Tuesday Date: does not indicate its future performance. Many things change.A fund’s performance and return can change a great deal from year to year. Some funds are riskier than others.Visit DayPlanner web site – Link #140 for information on mutual funds and links to different mutual funds for comparison.

Careers Public re Wednesday Date: Thursday Date: Interested in learning more about a career in public relations? The Canadian Public Relations Society (CPRS) has a web site with career information. It also has an Employ free service for public relations and communications professionals seeking opport site – Link #

Friday Date: Saturday Date: Jobs & Business Contracts/letter of agre Rather than working as an employee with a company, some people will “contract” their services to a company. In this case, an individual or the individual’s own company will sign a contract to do a certain job for a set amount of money.The company hiring the contracted worker/company will draw up a contract or letter of agreement Sunday Date: that will describe the work to be done, the period of time the work will take, and the amount that will be paid. No deductions are made from the payment. No benefits are provided. I department. 148 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:54 AM Page 149

Dates/Events/History Did You Know....? ment Many Canadians played a significant role As of 2011, the populations of some of t the in World War I in Europe. Of the Canada’s largest cities: vice. 620,000 Canadians who served in the Toronto ...... 5,583,064 ervice is War, 67,000 were killed and 173,000 Montreal...... 3,824,221 fi reliable were wounded. [Source: The Longman Vancouver ...... 2,313,328 end cash Companion to the First World War (Colin Ottawa/Gatineau . . . . 1,236,324 l r mail is Nicholson, Longman 2001, pg. 248) Calgary ...... 1,214,839 within Edmonton ...... 1,159,869 n ss days. her fee to Money Matters Education/Training y—such e y. [Day- Investing: Mutual funds Diploma programs – Link A mutual fund pools the money of many investors.The Many schools offer funds are invested by a professional money manager. legitimate and respected Investors pay for this professional service through “diploma” programs. Be administrative fees.The past performance of a fund aware that some offer does not indicate its future performance. Many things poor quality or poorly change.A fund’s performance and return can change a regarded diplomas. Check great deal from year to year. Some funds are riskier out the reputation of a than others.Visit DayPlanner web site – Link #140 for school and make sure it is information on mutual funds and links to different government approved or mutual funds for comparison. an accredited institution.

Careers Public relations Interested in learning more about a career in public relations? The Canadian Public Relations Society (CPRS) has a web site with career information. It also has an Employment Opportunities web site.This is a free service for public relations and communications professionals seeking opportunities. [DayPlanner web site – Link #73]

Jobs & Business Contracts/letter of agreement Rather than working as an employee with a company, some people will “contract” their services to a company. In this case, an individual or the individual’s own company will sign a contract to do a certain job for a set amount of money.The company hiring the contracted worker/company will draw up a contract or letter of agreement that will describe the work to be done, the period of time the work will take, and the amount that will be paid. No deductions are made from the payment. No benefits are provided. It is a straight fee for service.This income must be reported to the tax department. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 149 106-157 14th printing 2013 4/10/13 10:54 AM Page 150

Government Dates/Events/History Laws require children to On May 8, 1919, a U.S. Navy flying boat attend school up to a certain (NC-4) left Trepassey, Newfoundland and age.Young people are completed the first successful trans- encouraged to stay in school Atlantic flight. It arrived in Lisbon, as long as possible to prepare Portugal on May 27. for the world of work. Dropping out is strongly discouraged since it reduces a young person’s chance of building a successful career. Money Matters It is possible to “home Pictured is the beautiful Georgian Bay shoreline in school” children. For more Investing: Making money on stocks Ontario. information, visit Day- An investor can make money on stocks in two ways: Planner web site – Link #285. Dividends: Owning stock means owning a share of the Month: company its to shareholders as dividends. Monday Date: Tuesday Date: Capital gains: Investors make money when they sell a stock that rises in value after they buy it.The money they make is called a capital gain. Income earned from dividends and cap employment income—usually at a lower tax rate.

Careers Insurance industry Wednesday Date: Thursday Date: Interested in learning more about a career in the insur- ance industry? If so, you can visit DayPlanner web site – Link #74 to link to information about insurance jobs in Canada.T courses and qualifications.

Friday Date: Saturday Date: Jobs & Business Compassionate leave It is possible, in some cases, for workers to receive compassionate leave if there is a death or serious illness in the family. Larger companies may have policies that will determine this. Such leave in smaller companies is usually determined by the business Sunday Date: owner.Workers should find out about the company’s policy in case they face such a situation.The federal government has also established a program for compassionate leave to help support individuals who are assisting family members dealing with terminal illnesses. 150 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:55 AM Page 151

Dates/Events/History Did You Know....? en to On May 8, 1919, a U.S. Navy flying boat According to the 2011 Census, after o a certain (NC-4) left Trepassey, Newfoundland and Canadian (57.8%), the other most re completed the first successful trans- frequently reported origins were English, y n school Atlantic flight. It arrived in Lisbon, French, Scottish, Irish, German, Italian, o prepare Portugal on May 27. Chinese, North American Indian, and work. Ukrainian. t ongly t reduces hance of u career. Money Matters Education/Training h me For more Investing: Making money on stocks Request to employers Day- An investor can make money on stocks in two ways: If it would be valuable to Link #285. Dividends: Owning stock means owning a share of the your job, ask your employ- company. Many companies pay out some of their prof- er about possible addi- its to shareholders as dividends. tional education or train- ing.The employer might Capital gains: Investors make money when they sell a pay all or some of the stock that rises in value after they buy it.The money cost if the program would they make is called a capital gain. Income earned from help to improve your work. dividends and capital gains can be taxed differently than employment income—usually at a lower tax rate.

Careers Insurance industry Interested in learning more about a career in the insur- ance industry? If so, you can visit DayPlanner web site – Link #74 to link to information about insurance jobs in Canada.There is also information on the required courses and qualifications.

Jobs & Business Compassionate leave It is possible, in some cases, for workers to receive compassionate leave if there is a death or serious illness in the family. Larger companies may have policies that will determine this. Such leave in smaller companies is usually determined by the business owner.Workers should find out about the company’s policy in case they face such a situation.The federal government has also established a program for compassionate leave to help support individuals who are assisting family members dealing with terminal illnesses. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 151 106-157 14th printing 2013 4/10/13 10:55 AM Page 152

Government Dates/Events/History It is illegal in Canada to In May of 1920, a group of Canadian emotionally, physically, painters came together to exhibit their verbally, or sexually abuse a spouse, child, or any other paintings.The painters, largely landscape person. Controlled “spanking” artists, became known as the Group of to discipline a child on their Seven.Their works are prominent in “bottoms” was recently Canada today. ruled as legal. It is illegal to touch, in any sexual way, another person without his or her consent. If a person suspects that he or she has been abused in some way, Money Matters charges can be laid and a Pictured above is the Painted Canyon on the Nahanni case can be brought to Investing: Registered Retirement Savings Plans River, NWT. court. [DayPlanner web site (RRSPs) – Link #286] You can open a Registere (RRSP) at any financial institution to save for Month: retirement. Money invested in an RRSP is tax Monday Date: Tuesday Date: deductible and grows tax-free until withdrawn.At age 71, you must convert the RRSP into a Registered Retirement Income Fund (RRIF) or buy an annuity. Talk with a fin financial institution.T investment. [DayPlanner web site – Link #141]

Careers Skilled tra Wednesday Date: Thursday Date: Interested in learning more about a career in skilled trades? If so, many resources can help you explore pos- sibilities in this career area.Visit DayPlanner web site – Link #75 to link to info tion and training in this field.

Friday Date: Saturday Date: Jobs & Business Current tre If you are looking for a job, you probably want to start first with what you like to do and the career fields where you have skills and experience.At the same time, you will probably be interested in current trends, that is, the job areas that are growing and Sunday Date: providing the most opportunity. Note that these can change, sometimes quite quickly. A number of web sites keep up-to-date lists of current job trends. [DayPlanner web site – Link #176] See pages 219–220 for sites that help with job information.

152 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:55 AM Page 153

Dates/Events/History Did You Know....? da to In May of 1920, a group of Canadian According to the 2006 Census, the cally, painters came together to exhibit their visible minority population accounts for ly abuse a a y other paintings.The painters, largely landscape 16.2% of Canada’s population. “spanking” artists, became known as the Group of l on their Seven.Their works are prominent in cently Canada today. i egal to way, thout his a person r she has e way, Money Matters Education/Training d and a t to Investing: Registered Retirement Savings Plans PLAR r web site (RRSPs) PLAR, or Prior Learning You can open a Registered Retirement Savings Plan Assessment Reports, is an (RRSP) at any financial institution to save for examination of learning retirement. Money invested in an RRSP is tax that students have deductible and grows tax-free until withdrawn.At achieved before entering a age 71, you must convert the RRSP into a Registered program. It is an effort to Retirement Income Fund (RRIF) or buy an annuity. assess what has already Talk with a financial advisor or someone at your been learned and how. financial institution.They can help you with your RRSP [DayPlanner web site – investment. [DayPlanner web site – Link #141] Link #240]

Careers Skilled trades Interested in learning more about a career in skilled trades? If so, many resources can help you explore pos- sibilities in this career area.Visit DayPlanner web site – Link #75 to link to information resources for educa- tion and training in this field.

Jobs & Business Current trends If you are looking for a job, you probably want to start first with what you like to do and the career fields where you have skills and experience.At the same time, you will probably be interested in current trends, that is, the job areas that are growing and providing the most opportunity. Note that these can change, sometimes quite quickly. A number of web sites keep up-to-date lists of current job trends. [DayPlanner web site – Link #176] See pages 219–220 for sites that help with job information.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 153 106-157 14th printing 2013 4/10/13 10:55 AM Page 154

Government Dates/Events/History As an expression of national In December 1921,Agnes Macphail pride after the First World became the first woman to be elected War, Canada adopted an as a member of Canada’s House of official coat of arms and a Parliament. She represented the national motto, A Mari Usque Progressive Party. Ad Mare, which in Latin means “from sea to sea.” The arms contain symbols of England, France, Scotland and Ireland as well as red Money Matters maple leaves.Today the arms Fires occur in the forests of Canada during the summer can be seen on dollar bills, Investing: Registered Retirement Savings Plan months. Pictured is a fire scorched forest in Banff National government documents and The amount of tax-deductible money public buildings.* Park. RRSP each year depends on your income, how much you have contributed in previous years, and how much Month: you have contributed to a private pension plan.The Monday Date: Tuesday Date: Canada Rev much tax-deductible money you can contribute to an RRSP in the coming ye Link #142]

Careers Education Wednesday Date: Thursday Date: Interested in learning more about a career in educa- tion? If so, many resources can help you explore possi- bilities in this field.Visit DayPlanner web site – Link #76 to link to info training in this field.

Friday Date: Saturday Date: Jobs & Business Job fairs Some employers and communities hold job fairs. A job fair brings employers and potential employ interview in case the opportunity arises.Also, take copies of your résumé—and Sunday Date: business cards if you have them.

154 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:55 AM Page 155

Dates/Events/History Did You Know....? f national In December 1921,Agnes Macphail According to Statistics Canada, the s World became the first woman to be elected average tuition fee for an undergraduate p ed an as a member of Canada’s House of student at a Canadian university in fi and a Parliament. She represented the 2012–2013 was reported as $5,581. ari Usque Progressive Party. atin sea.” symbols Scotland as red Money Matters Education/Training y the arms l ar bills, Investing: Registered Retirement Savings Plan The cost of post- ments and The amount of tax-deductible money you can put in an secondary education can RRSP each year depends on your income, how much be pretty high. Saving and you have contributed in previous years, and how much investing to cover costs you have contributed to a private pension plan.The such as tuition, books, Canada Revenue Agency will be able to tell you how supplies, and even much tax-deductible money you can contribute to an transportation expenses RRSP in the coming year. [DayPlanner web site – are important. Financial Link #142] advisers can help with education saving strategies. They can tell you how to use an RESP,the Canada Education and Savings Careers Grant, the Canada Learning Bond, and other means to Education save for education. Interested in learning more about a career in educa- tion? If so, many resources can help you explore possi- bilities in this field.Visit DayPlanner web site – Link #76 to link to information resources for education and training in this field.

Jobs & Business Job fairs Some employers and communities hold job fairs. A job fair brings employers and potential employees together. If you go to a job fair, dress as you would for an interview in case the opportunity arises.Also, take copies of your résumé—and business cards if you have them.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 155 106-157 14th printing 2013 4/10/13 10:55 AM Page 156

Government Dates/Events/History One right available to In 1922, Canadians Frederick Banting, every person in Canada is Charles Best, J.J.R. MacLeod, and J. B. the right to “legal repre- Collip were awarded a Nobel Prize for sentation.” You have the their discovery of insulin. Insulin helps right to have a lawyer those with diabetes manage their disease. represent you if you are arrested or accused of a crime. If you can’t afford a lawyer, legal aid will provide legal services, but Money Matters only for certain kinds of Wildlife is common throughout Canada. Pictured is an charges and crimes. Credit Education Week is around the second week in elk in Jasper National Park in Alberta. November each year. Efforts and activities are under- taken in this week to help Canadians handle credit and debt wisely. For more information, visit the website of Month: Credit Canada: Debt Solutions at w Monday Date: Tuesday Date:

Careers Forestry Wednesday Date: Thursday Date: Interested in learning more about a career in forestry? If so, many resources can help you explore possibilities in this career area.Visit the DayPlanner web site – Link #77 to link to info and training in this field.

Friday Date: Saturday Date: Jobs & Business Labour marke Labour market information can help a job seeker by providing some information regarding job trends, labour needs, and possible future labour needs and shortages. The Working in Canada Tool can produce a report with information on job descrip- Sunday Date: tions and job prospects, along with links to current job offers and language-training resources for anywhere in Canada. [DayPlanner web site – Link #32]

156 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 106-157 14th printing 2013 4/10/13 10:55 AM Page 157

Dates/Events/History Did You Know....? to In 1922, Canadians Frederick Banting, Canada’s federal government officially anada is Charles Best, J.J.R. MacLeod, and J. B. adopted a policy of “multiculturalism” repre- Collip were awarded a Nobel Prize for in 1971. a e the their discovery of insulin. Insulin helps yer those with diabetes manage their disease. you are ed of a t afford will v ces, but Money Matters Education/Training inds of es. Credit Education Week is around the second week in Vision impaired November each year. Efforts and activities are under- Anyone who is blind or taken in this week to help Canadians handle credit and has impaired vision can debt wisely. For more information, visit the website of contact the Canadian Credit Canada: Debt Solutions at www.creditcanada.com. National Institute for the Blind (CNIB) for help. Visit their web site at www.cnib.ca or DayPlanner web site – Link #105.

Careers Forestry Interested in learning more about a career in forestry? If so, many resources can help you explore possibilities in this career area.Visit the DayPlanner web site – Link #77 to link to information and resources for education and training in this field.

Jobs & Business Labour market information Labour market information can help a job seeker by providing some information regarding job trends, labour needs, and possible future labour needs and shortages. The Working in Canada Tool can produce a report with information on job descrip- tions and job prospects, along with links to current job offers and language-training resources for anywhere in Canada. [DayPlanner web site – Link #32]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 157 158-209 14th printing 2013 4/10/13 11:07 AM Page 158

Government Dates/Events/History Communities across The Statute of Westminster was a Canada offer fire protection key document in Canada’s history. It services. In smaller commu- authorized the Balfour Report in 1931. nities, the fire department The report granted autonomy and may be made up of volun- equality to Canada in its relationship teers. Larger communities have permanent fire depart- with Great Britain. ments. Like the police, the fire department can often be reached by dialing “911.” In more remote areas, Money Matters dial “7267” (RCMP).Visit Cross-country skiing is a popular winter sport. A skier is DayPlanner web site – Link Investing: Registered Education Savings Plans (RESPs) pictured here on Chester Lake in Kananaskis Country, #288 to learn more about You can sav Alberta. the “911” emergency service. education in a Registered Education Savings Plan (RESP).The federal government will match some of Month: the money you save each year.The lower your level of income, the more the government may contribute. Date: Date: Monday Tuesday RESP money is not tax-deductible. However, there is no tax on any gains on investments in the RESP. Also, check into the “Canada Learning Bond.” If you earn below a certain level of income, the government may provide more support for paying education costs. [DayPlanner web site – Link #144] Careers Nursing Wednesday Date: Thursday Date: Interested in learning more about a career in nursing? If so, you can link to information on education programs, employment opportunities, and more by visiting DayPlanner web site – Link #78.

Friday Date: Saturday Date: Jobs & Business Unemployed A person is considered to be unemployed in Canada if he or she is 15 years of age or older and try that he or she is trying to get a job.The person must also have been previously Sunday Date: employed and made contributions to EI. [DayPlanner web site – Link #177]

158 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 159

Dates/Events/History Did You Know....? ss The Statute of Westminster was a According to Statistics Canada, in 2011 rotection key document in Canada’s history. It the average number of hours worked in r commu- authorized the Balfour Report in 1931. a week, by those employed in Canada fi rtment The report granted autonomy and was 36.4 hours. On average, men spent o volun- equality to Canada in its relationship more hours at work (39.3) than women munities fi e depart- with Great Britain. (33.0). o ice, the fi n often l ng “911.” reas, Money Matters Education/Training P).Visit s e – Link Investing: Registered Education Savings Plans (RESPs) If you are interested in re about You can save money for your children’s future working in the field of n y service. education in a Registered Education Savings Plan education in Canada, the (RESP).The federal government will match some of EducationCanada.com the money you save each year.The lower your level of website has links to job income, the more the government may contribute. opportunities.To learn RESP money is not tax-deductible. However, there is more, visit no tax on any gains on investments in the RESP. Also, www.educationcanada.com check into the “Canada Learning Bond.” If you earn below a certain level of income, the government may provide more support for paying education costs. [DayPlanner web site – Link #144] Careers Nursing Interested in learning more about a career in nursing? If so, you can link to information on education programs, employment opportunities, and more by visiting DayPlanner web site – Link #78.

Jobs & Business Unemployed A person is considered to be unemployed in Canada if he or she is 15 years of age or older and trying to find a job.To collect Employment Insurance, a person must show that he or she is trying to get a job.The person must also have been previously employed and made contributions to EI. [DayPlanner web site – Link #177]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 159 158-209 14th printing 2013 4/10/13 11:07 AM Page 160

Government Dates/Events/History Canada has embassies and In May 1932, Parliament established the consulates around the world. publicly funded Canadian Radio If you are travelling in other Broadcasting Commission, which became countries and you need assis- tance, contact the embassy the Canadian Broadcasting Corporation or consulate. If you visit in 1936.The CBC is Canada’s public another country, you may broadcaster to this day. wish to “register” with the embassy or consulate and indicate where you will be staying and for how long. Check the web sites of Money Matters embassies and consulates for The Changing of the Guard is a ceremony that takes travel alerts. Visit www.inter Car: Can help with employment place at the Parliament Buildings in Ottawa. national.gc.ca or DayPlanner Having a car can help impro web site – Link #289. able to get to and from a job that would be difficult otherwise. Some jobs also require the use of a car. At the same time, there are costs to owning, operating, and Month: maintaining a car. Compare the costs with the benefits before investing in a car. Monday Date: Tuesday Date:

Careers Health industry Wednesday Date: Thursday Date: Interested in learning more about a career in the health industry? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #79 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Stress fro It can be difficult to find a job. Unemployment can cause a lot of stress for a person. It can low depression. If you experience these kinds of personal problems, visit DayPlanner web Sunday Date: site – Link #178.

160 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 161

Dates/Events/History Did You Know....? es and In May 1932, Parliament established the According to Statistics Canada, the five he world. publicly funded Canadian Radio occupational groups where most women g n other Broadcasting Commission, which became were employed in 2009 were: need assis- the Canadian Broadcasting Corporation 1. Business, Finance and Administrative embassy 2. Sales and Service u visit in 1936.The CBC is Canada’s public 3. Occupations in Social Science, Education, ou may broadcaster to this day. Government Service and Religion with the 4. Health ate and 5. Management u will be w long. es of Money Matters ulates for ww.inter Car: Can help with employment D yPlanner Having a car can help improve your chances of getting a job.With a car you may be 2 9. able to get to and from a job that would be difficult otherwise. Some jobs also require the use of a car. At the same time, there are costs to owning, operating, and maintaining a car. Compare the costs with the benefits before investing in a car.

Careers Health industry Interested in learning more about a career in the health industry? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #79 to link to information resources for education and training in this field.

Jobs & Business Stress from unemployment It can be difficult to find a job. Unemployment can cause a lot of stress for a person. It can lower the person’s self-confidence and self-esteem. It can lead to feelings of depression. If you experience these kinds of personal problems, visit DayPlanner web site – Link #178.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 161 158-209 14th printing 2013 4/10/13 11:07 AM Page 162

Government Dates/Events/History Governments try to In August 1932, the Co-operative ensure that Canadians are Commonwealth Federation (CCF) vaccinated against prevent- was founded as a political party. This able diseases. Parents will often be asked by schools democratic socialist party evolved to to provide proof that their become the New Democratic Party in children have been vacci- Canada. nated for diseases such as measles, smallpox, and tuberculosis. Check with a local doctor if you need to arrange for vaccinations for Money Matters your child. Local health The West Edmonton Mall, pictured here, is one of the centres and employers may Compound interest largest shopping malls in the world. also help with vaccination “Compound intere services. if you invest $1,000 at 5% for one year, your money becomes worth $1,050 at the end of that year.The next year, you earn 5% on $1,050—the principle plus the Month: interest. By earning “interest on your interest,” your money “compounds,” or grows Monday Date: Tuesday Date: faster.To determine how long it will take money to double in value, use the “Rule of 72”—divide 72 by the rate of return. If you earn a 6% return on an investment it will double in 72 ÷

Careers Law and legal services Wednesday Date: Thursday Date: Interested in learning more about a career in law and legal services? If so, visit http://www.flsc.ca/en/foreignlawyers/foreignlawyers.asp t careers in law and legal services as well as qualifications that are required, law schools, a

Friday Date: Saturday Date: Jobs & Business Canada’s Canada’s labour force is made up of all the people who are 15 years of age or older and who are Canada’s labour force including both sexes in April 2012 was approximately 18.8 Sunday Date: million (17.5 million employed and 1.3 million unemployed). [DayPlanner web site – Link #179]

162 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 163

Dates/Events/History Did You Know....? o In August 1932, the Co-operative According to Statistics Canada in 2009, ans are Commonwealth Federation (CCF) the five occupational groups where most men were employed were: t prevent- was founded as a political party. This ents will 1.Trades,Transport, and Equipment democratic socialist party evolved to y schools Operators that their become the New Democratic Party in 2. Sales and Service n vacci- Canada. 3. Management s such as 4. Natural and Applied Sciences x and 5. Business, Finance and Administrative ck with a u need to nations for Money Matters health oyers may Compound interest c ination “Compound interest” enables savings to grow more quickly over time. For example, if you invest $1,000 at 5% for one year, your money becomes worth $1,050 at the end of that year.The next year, you earn 5% on $1,050—the principle plus the interest. By earning “interest on your interest,” your money “compounds,” or grows faster.To determine how long it will take money to double in value, use the “Rule of 72”—divide 72 by the rate of return. If you earn a 6% return on an investment it will double in 72 ÷ 6 = 12 years.

Careers Law and legal services Interested in learning more about a career in law and legal services? If so, visit http://www.flsc.ca/en/foreignlawyers/foreignlawyers.asp to link to information on careers in law and legal services as well as qualifications that are required, law schools, and more.

Jobs & Business Canada’s labour force Canada’s labour force is made up of all the people who are 15 years of age or older and who are either employed or unemployed.According to Statistics Canada, Canada’s labour force including both sexes in April 2012 was approximately 18.8 million (17.5 million employed and 1.3 million unemployed). [DayPlanner web site – Link #179]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 163 158-209 14th printing 2013 4/10/13 11:07 AM Page 164

Government Dates/Events/History Living in Canada Portal The was formed in 1934. The Government of It is responsible for monetary policy in Canada has developed a Canada.The Bank can affect the money web site specifically supply and interest rates and operates designed to assist and independently from the federal government. support newcomers to Canada. [DayPlanner web site – Link #290] www.cic.gc.ca/lctvac/english/ index Money Matters

Bears usually stay away from settled areas and should Car: Lease or buy? be avoided.They often visit rural garbage dumps. It is possible to purc and disadvantages to both buying or leasing.There are advantages and disadvantages to new a Month: Monday Date: Tuesday Date:

Careers Food sciences Wednesday Date: Thursday Date: Interested in learning more about career possibilities in the area of food sciences? If so, visit DayPlanner web site – Link #81 to link to the Canadian Institute of Food Science and Technology web site where you can download a publication on “Careers in the Fo

Friday Date: Saturday Date: Jobs & Business Canada’s Canada’s unemployment rate represents the percentage of people in the labour force (those 15 years of age and older) who want to work, are looking for work, but cannot find a job. [DayPlanner web site – Link #180] According to Statistics Canada, in Sunday Date: February 2013 there were 8,556,800 men 25 and over in Canada’s labour force, and 7,628,700 wo rate for men was 6%, and for women 5.7% and for youth 13.6%.

164 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 165

Dates/Events/History Did You Know....? Portal The Bank of Canada was formed in 1934. The average earnings of a man in Canada of It is responsible for monetary policy in in 2011 was $46,500.The average earnings ped a Canada.The Bank can affect the money of a woman was $31,700. fi y supply and interest rates and operates nd independently from the federal government. rs to ner web c/english/ Money Matters

Car: Lease or buy? It is possible to purchase a new or used car or to lease one.There are advantages and disadvantages to both buying or leasing.There are advantages and disadvantages to new and used cars.Visit DayPlanner web site – Link #145 for more information.

Careers Food sciences Interested in learning more about career possibilities in the area of food sciences? If so, visit DayPlanner web site – Link #81 to link to the Canadian Institute of Food Science and Technology web site where you can download a publication on “Careers in the Food Sciences.”

Jobs & Business Canada’s Unemployment rate Canada’s unemployment rate represents the percentage of people in the labour force (those 15 years of age and older) who want to work, are looking for work, but cannot find a job. [DayPlanner web site – Link #180] According to Statistics Canada, in February 2013 there were 8,556,800 men 25 and over in Canada’s labour force, and 7,628,700 women 25 and over, and 2,843,400 youth ages 15 to 24.The unemployment rate for men was 6%, and for women 5.7% and for youth 13.6%.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 165 158-209 14th printing 2013 4/10/13 11:07 AM Page 166

Government Dates/Events/History The Business Development In 1939 Canada’s National Film Board Bank of Canada (BDC), was created.The Film Board exists to owned by the federal this day. It has produced a wide range of government, focuses on quality film productions and has won loans and services to small Academy Awards for its work. businesses, especially firms involved in technology and exporting.The BDC also offers financial advice and small-business consulting. It has more than 80 offices Money Matters across Canada.To qualify The hotel Château Lake Louise in Alberta in winter. for a loan, you must be a Car: Lease or buy? Canadian citizen or perma- When yo nent resident. you agree to buy the car, make sure you that you know about all costs that are part of the deal, s Month: amount “due upon delivery”—that is, an amount you have to pay when you pick up Monday Date: Tuesday Date: the car. Make sure you know what this amount is.

Careers Retail industry Wednesday Date: Thursday Date: Interested in learning more about a career in the retail industry? If so, visit DayPlanner web site – Link #82 to link to explore careers in retail.The Retail Council of Canada site provides career information as well as information on education and training programs and scholarships.

Friday Date: Saturday Date: Jobs & Business For “regulated” occupations, you will need to have your credentials recognized.This can take time. If so, you may need to find a job in a non-regulated profession while you wait.T (www.cicic. information on Canada’s regulated professions. (w Sunday Date:

166 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 167

Dates/Events/History Did You Know....? lopment In 1939 Canada’s National Film Board The average income of a person with less BDC), was created.The Film Board exists to than a high school graduation certificate d ral this day. It has produced a wide range of in Canada in 2006 was $20,833.The ses on quality film productions and has won average income for a person with a s to small Academy Awards for its work. university degree was $58,767. i lly firms o ogy and DC also fi ce and nsulting. 80 offices Money Matters o qualify ust be a Car: Lease or buy? or perma- When you buy a car, you can usually negotiate the price with the salesperson. Before you agree to buy the car, make sure you that you know about all costs that are part of the deal, such as options, taxes, shipping, freight, and preparation.There will be an amount “due upon delivery”—that is, an amount you have to pay when you pick up the car. Make sure you know what this amount is.

Careers Retail industry Interested in learning more about a career in the retail industry? If so, visit DayPlanner web site – Link #82 to link to explore careers in retail.The Retail Council of Canada site provides career information as well as information on education and training programs and scholarships.

Jobs & Business For “regulated” occupations, you will need to have your credentials recognized.This can take time. If so, you may need to find a job in a non-regulated profession while you wait.The Canadian Information Centre for International Credentials (CICIC) (www.cicic.ca) and the Foreign Credentials Referral Office (FCRO) both provide information on Canada’s regulated professions. (www.credentials.gc.ca)

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 167 158-209 14th printing 2013 4/10/13 11:07 AM Page 168

Government Dates/Events/History Service Canada’s goal is By declaring war on Germany on to provide Canadians with September 10, 1939, Canada joined one-stop personalized Britain and France in the battle against service they can access Adolf Hitler and Nazi Germany. however they choose—by telephone, on the Internet, or in person with more than 595 points of service across Canada. Call 1-800- 622-6232 to find a Service Money Matters Canada Centre near you. Buffaloes were once very common in North America but www.servicecanada.gc.ca Car: Lease or buy? were almost eliminated.The population has grown again. When yo (Waterton Lakes National Park.) for the car. Car loans often have to be paid back within five years. Look for financing deals when yo Month: to get your business.The business of buying and selling cars is very competitive—and Monday Date: Tuesday Date: there are many sellers. Compare prices offered by several sellers before you decide where to buy.

Careers Grocery/food industry Wednesday Date: Thursday Date: Interested in learning more about a career in the grocery/food industry? If so, visit DayPlanner web site – Link #83 to link to the Agricultural Institute of Canada’s career site. It is designed to help those who are seeking career opportunities in the agricultural sector.

Friday Date: Saturday Date: Jobs & Business New to Canada? W Learn how to put your skills and knowledge to work faster, visit w

Sunday Date:

168 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 169

Dates/Events/History Did You Know....? oal is By declaring war on Germany on In terms of capitals and major cities, d ans with September 10, 1939, Canada joined St. John’s, Newfoundland has the largest a ized Britain and France in the battle against amount of precipitation each year access Adolf Hitler and Nazi Germany. (1,487 mm and 217 wet days).Yellowknife oose—by in the Northwest Territories has the e nternet, lowest (267 mm and 118 wet days). h more o service a l 1-800- fi Service Money Matters ear you. da.gc.ca Car: Lease or buy? When you buy a car, you can often arrange financing.That means getting a loan to pay for the car. Car loans often have to be paid back within five years. Look for financing deals when you are buying a car. Dealers will sometimes offer lower borrowing costs to get your business.The business of buying and selling cars is very competitive—and there are many sellers. Compare prices offered by several sellers before you decide where to buy.

Careers Grocery/food industry Interested in learning more about a career in the grocery/food industry? If so, visit DayPlanner web site – Link #83 to link to the Agricultural Institute of Canada’s career site. It is designed to help those who are seeking career opportunities in the agricultural sector.

Jobs & Business New to Canada? We can help you succeed. Learn how to put your skills and knowledge to work faster, visit www.cic.gc.ca/new

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 169 158-209 14th printing 2013 4/10/13 11:07 AM Page 170

Government Dates/Events/History If you own a business or On August 19, 1942, some 5,000 are thinking of starting a Canadian soldiers were among those business that would sell who landed at Dieppe to test the goods and services to the strength of the German army. In one day, federal government, there 900 were killed and almost 1900 taken is a web site that provides prisoner. information on how the government buys goods and services and what it buys. [DayPlanner web site Money Matters – Link #291] Ice skating is a popular winter sport in Canada. Here are Car: Lease or buy? skaters in Muskoseepi Park in Grande Prairie,Alberta. The value of a car depre depreciation is fastest in the first two years of ownership.That is why some people buy used cars rather than new cars. Most car dealers also sell used cars. Used cars Month: are also advertised in newspapers and special magazines. If you buy a used car, see if a Monday Date: Tuesday Date: “warranty” of any kind applies or is available.

Careers Child care Wednesday Date: Thursday Date: Interested in learning more about a career in child care? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #84 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Negotiating a salary Although companies use “salary scales” to determine the salary for a job, in some cases, an employee will be in a position to negotiate a salary.That is, there will not be a firm wage or salary for a position.The pay will be determined on the basis of the Sunday Date: employee’s education, experience, abilities, and negotiating skill. If you are in such a situation, make sure that you represent yourself well and seek out a fair and appro- priate wage or salary. [DayPlanner web site – Link #183]

170 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 171

Dates/Events/History Did You Know....? ess or On August 19, 1942, some 5,000 In 2011, 3,633,447 people worked for rting a Canadian soldiers were among those governments in Canada and 427,069 u d sell who landed at Dieppe to test the worked for the federal government and e to the strength of the German army. In one day, 356,830 worked for provincial and terri- nt, there 900 were killed and almost 1900 taken torial governments. provides prisoner. ow the oods what it r web site Money Matters

Car: Lease or buy? The value of a car depreciates (goes down) as it gets older and the rate of depreciation is fastest in the first two years of ownership.That is why some people buy used cars rather than new cars. Most car dealers also sell used cars. Used cars are also advertised in newspapers and special magazines. If you buy a used car, see if a “warranty” of any kind applies or is available.

Careers Child care/nannies Interested in learning more about a career in child care? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #84 to link to information resources for education and training in this field.

Jobs & Business Negotiating a salary Although companies use “salary scales” to determine the salary for a job, in some cases, an employee will be in a position to negotiate a salary.That is, there will not be a firm wage or salary for a position.The pay will be determined on the basis of the employee’s education, experience, abilities, and negotiating skill. If you are in such a situation, make sure that you represent yourself well and seek out a fair and appro- priate wage or salary. [DayPlanner web site – Link #183]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 171 158-209 14th printing 2013 4/10/13 11:07 AM Page 172

Government Dates/Events/History The federal government is One Canadian Division and two responsible for regulating Canadian Brigades were involved in the Canada’s financial invasion of Normandy on June 6, 1944. institutions and trying This invasion began the movement to ensure stable financial toward victory over Hitler and the liber- markets. No Canadian ation of Europe. financial institution has failed in quite some time, and government regulations try to ensure Money Matters that the institutions are Pictured is Mount Logan in the Yukon Territory.This is managed so that they Car: Lease or buy? Canada’s highest mountain. remain secure. You won’t be able to lease a car privately.You can only purchase a used car privately. If you decide to buy a car privately, you should have it inspected by a professional mechanic befo Month: can help you arrange an inspection. See if it has been “certified” by a mechanic. Monday Date: Tuesday Date:

Careers Leisure, Wednesday Date: Thursday Date: Interested in learning more about a career in leisure, sports, and recreation? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #85 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business A business can be incorporated at the fe become a corporation.This means owners/investors have “limited liability” and can only lose what they multinational corporations, w Canadian Federation of Independent Business (CFIB) is an association that helps small Sunday Date: businesses in Canada.You can get information on starting a business from the CFIB website at w

172 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 173

Dates/Events/History Did You Know....? ment is One Canadian Division and two According to the Department of ulating Canadian Brigades were involved in the Finance, Canada’s level of federal debt fi invasion of Normandy on June 6, 1944. was $582.2 billion as of December 2012. ying This invasion began the movement nancial toward victory over Hitler and the liber- adian ation of Europe. fi has me time,

ensure Money Matters ns are they Car: Lease or buy? You won’t be able to lease a car privately.You can only purchase a used car privately. If you decide to buy a car privately, you should have it inspected by a professional mechanic before closing the deal.The service garages attached to many gas stations can help you arrange an inspection. See if it has been “certified” by a mechanic.

Careers Leisure, sports, and recreation Interested in learning more about a career in leisure, sports, and recreation? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #85 to link to information resources for education and training in this field.

Jobs & Business A business can be incorporated at the federal or provincial level in Canada and become a corporation.This means owners/investors have “limited liability” and can only lose what they have invested.There are small corporations, large corporations, and multinational corporations, which conduct business in more than one country.The Canadian Federation of Independent Business (CFIB) is an association that helps small businesses in Canada.You can get information on starting a business from the CFIB website at www.cfib.ca.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 173 158-209 14th printing 2013 4/10/13 11:07 AM Page 174

Government Dates/Events/History The federal government On April 4, 1949 Canada and eleven is responsible for issuing other countries signed the North passports.A Canadian Atlantic Treaty (NATO)—a step toward citizen can complete a closer ties with the U.S. and more inde- passport application at a pendence from Britain. local passport office. It can take quite a bit of time to get a passport, and there is a cost. [DayPlanner web site – Link #292] Money Matters www.ppt.gc.ca Many religions are practiced in Canada and places of Car: Lease or buy? worship of all types can be found across the country. When yo number of kilometres you can drive, on average, per year.When you return the car, the mileage will be checked.You will be charged a fee for each kilometre over your Month: limit.You must return the car in reasonable condition. If the car is damaged or has not Monday Date: Tuesday Date: been properly maintained, you may have to pay an additional cost when you return it. Most leases are for 36 or 48 months.

Careers Investment industry Wednesday Date: Thursday Date: Interested in learning more about a career in the investment industry? If so, visit DayPlanner web site – Link #86 to link to the Canadian Securities Institute web site and the section on “Career Paths and Licensing.” There is a great deal of good infor- mation on the industry

Friday Date: Saturday Date: Jobs & Business Usually m with one another to convince potential customers that their product or service is better than that of their competitors. C harder and try want. Caveat emptor means consumers should be aware of what they are buying and Sunday Date: try to make good decisions.

174 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 175

Dates/Events/History Did You Know....? ment On April 4, 1949 Canada and eleven Fewer and fewer homes receive direct ssuing other countries signed the North mail delivery in Canada. Increasingly, a ian Atlantic Treaty (NATO)—a step toward Canadians go to a central mailbox area te a closer ties with the U.S. and more inde- to pick up their mail.There is no mail n at a pendence from Britain. delivery in Canada on the weekend. fi e. It can f time to d there is er web Money Matters

Car: Lease or buy? When you lease a car, you pay a monthly lease cost.There will be a limit on the number of kilometres you can drive, on average, per year.When you return the car, the mileage will be checked.You will be charged a fee for each kilometre over your limit.You must return the car in reasonable condition. If the car is damaged or has not been properly maintained, you may have to pay an additional cost when you return it. Most leases are for 36 or 48 months.

Careers Investment industry Interested in learning more about a career in the investment industry? If so, visit DayPlanner web site – Link #86 to link to the Canadian Securities Institute web site and the section on “Career Paths and Licensing.” There is a great deal of good infor- mation on the industry and career options.

Jobs & Business Usually more than one company produces a good or service. Businesses compete with one another to convince potential customers that their product or service is better than that of their competitors. Competition encourages businesses to try harder and try to improve their product or service by responding to what customers want. Caveat emptor means consumers should be aware of what they are buying and try to make good decisions.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 175 158-209 14th printing 2013 4/10/13 11:07 AM Page 176

Government Dates/Events/History The federal government In 1956, Canadian Lester B. Pearson and collects a Goods and others at the United Nations organized Services Tax (GST) on steps to end the Suez Canal crisis. many items sold in Canada. Pearson was awarded the Nobel Peace The GST is added on to Prize for his efforts. your bill. GST is not charged on some items, such as insurance services. Some provinces blend the two taxes—Provincial Sales Money Matters Tax (PST) and GST— Golfing is a popular sport in Canada.There are many together in a Harmonized Retirement golf courses—like this one at Beaverlodge in Alberta. Sales Tax, or HST. Many Canadians plan to re important to plan for retirement to make sure that there will be enough money to live on. Everyone needs to plan ahead, to estimate how much money he or she needs Month: to save for retirement. Keep in mind that people are living longer these days.An Monday Date: Tuesday Date: advisor can help you with retirement planning.That advisor may charge you a fee for these services. [DayPlanner web site – Link #203]

Careers Banking Wednesday Date: Thursday Date: Interested in learning more about a career in banking? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #87 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business On-the-job tra Some employers will provide opportunities for “on-the-job” training.That is, they will seek out workers with the education and work habits they want and provide an opportunity for them to develop the skills while working on the job.This is a great Sunday Date: option especially if you have the personality, education, and experience that enables you to learn well on the job.

176 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 177

Dates/Events/History Did You Know....? ment In 1956, Canadian Lester B. Pearson and As noted by “Random History”, a black nd others at the United Nations organized bear cub from Winnipeg was donated on steps to end the Suez Canal crisis. to the Zoo in 1915.“Winnie” Canada. Pearson was awarded the Nobel Peace became a favourite of Christopher Robin d on to Prize for his efforts. Milne and inspired the stories written by ot his father A.A. Milne called “Winnie the tems, Pooh.” services. b end the ncial Sales Money Matters ST— monized Retirement Many Canadians plan to retire in their late 60s. Over the course of one’s life, it is important to plan for retirement to make sure that there will be enough money to live on. Everyone needs to plan ahead, to estimate how much money he or she needs to save for retirement. Keep in mind that people are living longer these days.An advisor can help you with retirement planning.That advisor may charge you a fee for these services. [DayPlanner web site – Link #203]

Careers Banking Interested in learning more about a career in banking? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #87 to link to information resources for education and training in this field.

Jobs & Business On-the-job training Some employers will provide opportunities for “on-the-job” training.That is, they will seek out workers with the education and work habits they want and provide an opportunity for them to develop the skills while working on the job.This is a great option especially if you have the personality, education, and experience that enables you to learn well on the job.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 177 158-209 14th printing 2013 4/10/13 11:07 AM Page 178

Government Dates/Events/History Federal and provincial On April 1, 1959 the St. Lawrence governments periodically Seaway was opened.With its opening, present a budget to outline ocean ships were able to travel from how the government plans Montreal, through the Great Lakes, to to spend money and how Lake Superior. it will fund that spending. A budget may be a deficit, surplus, or balanced budget. Canadians can listen to the federal “Budget Speech” on Money Matters radio or television, order Winter carnivals are popular across Canada. Pictured a copy, or read it on the Car: Lease or buy? is the one held in Montreal. Internet. [DayPlanner web One reason people choose to lease a car is that yo site – Link #293] car every three or four years.When one lease expires, you sign a new lease on a new car.You “turn in” the previous car and lease a new one. Others prefer to buy a car Month: and keep it for longer. Owning a car gives you an asset—something that you can sell Monday Date: Tuesday Date: for money.You can’t sell your leased car.

Careers Dentistry Wednesday Date: Thursday Date: Interested in learning more about a career in dentistry? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #88 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Service Canada Centre On behalf of the Foreign Credentials Referral Office, Service Canada provides telephone and in-person serv to get their credentials assessed in Canada. Service Canada agents also provide Sunday Date: important job-related information. [DayPlanner web site – Link #276] You can visit the Service Canada website at w

178 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 179

Dates/Events/History Did You Know....? cial On April 1, 1959 the St. Lawrence Most Sector Councils have information odically Seaway was opened.With its opening, and resources on career opportunities in o outline ocean ships were able to travel from their sector. Check out the many m nt plans Montreal, through the Great Lakes, to resources and programs available by and how Lake Superior. visiting the web sites of the Sector pending. Councils.You can link to them all by deficit, visiting the DayPlanner web site – ed budget. Link #3. t n to the peech” on Money Matters n order n the Car: Lease or buy? er web One reason people choose to lease a car is that you can exchange it and get a new car every three or four years.When one lease expires, you sign a new lease on a new car.You “turn in” the previous car and lease a new one. Others prefer to buy a car and keep it for longer. Owning a car gives you an asset—something that you can sell for money.You can’t sell your leased car.

Careers Dentistry Interested in learning more about a career in dentistry? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #88 to link to information resources for education and training in this field.

Jobs & Business Service Canada Centres On behalf of the Foreign Credentials Referral Office, Service Canada provides telephone and in-person services for individuals who need information about how to get their credentials assessed in Canada. Service Canada agents also provide important job-related information. [DayPlanner web site – Link #276] You can visit the Service Canada website at www.servicecanada.gc.ca

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 179 158-209 14th printing 2013 4/10/13 11:07 AM Page 180

Government Dates/Events/History Canada has a Defence On August 4, 1960 the Canadian Bill of Department and a Military Rights was passed.This Bill meant that Service. For many years, the civil rights and freedoms of all the Canadian military has Canadians had to be guaranteed and pro- concentrated primarily tected by the federal government. on peacekeeping roles and responsibilities.The propor- tion of Canada’s Gross Domestic Product (the value of all goods and services produced in Canada) that is Money Matters spent on the military is not Fly-in fishing is popular in northern areas of Canada— high compared to many other Car: Lease or buy? shown here in Margaret Lake,Alberta. industrialized nations. [Day- If you lease a car yo Planner web site – Link #294] to pay for the maintenance costs, such as oil changes and brake adjustments. Some companies may Month: Check the details before you sign a lease. Monday Date: Tuesday Date:

Careers Professional sales Wednesday Date: Thursday Date: Interested in learning more about a career in professional sales? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #89 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Seasonal employment Most of Canada has distinct seasons, ranging from warm to cold winters.As a result, some jobs in Canada, particularly in some industries, are seasonal—meaning that the jobs are only available at certain times of the year. Examples are in the Sunday Date: forestry industry, farming, tourism, fishing, and so on. If they qualify, people who work in seasonal jobs may be able to obtain employment insurance benefits when the jobs are not available.

180 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 181

Dates/Events/History Did You Know....? ce On August 4, 1960 the Canadian Bill of Many of the Sector Councils have links Military Rights was passed.This Bill meant that to companies/employers in their sector. y ars, the civil rights and freedoms of all Visit the Sector Council web sites to ry has Canadians had to be guaranteed and pro- explore the links to employers. a ily tected by the federal government. [DayPlanner web site – Link #3] o es and propor- ross ( he value r ices a) that is Money Matters ry is not many other Car: Lease or buy? ns. [Day- If you lease a car you must have your own car insurance. In addition, you usually have Link #294] to pay for the maintenance costs, such as oil changes and brake adjustments. Some companies may include oil changes and basic maintenance in the cost of the lease. Check the details before you sign a lease.

Careers Professional sales Interested in learning more about a career in professional sales? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #89 to link to information resources for education and training in this field.

Jobs & Business Seasonal employment Most of Canada has distinct seasons, ranging from warm summers to cold winters.As a result, some jobs in Canada, particularly in some industries, are seasonal—meaning that the jobs are only available at certain times of the year. Examples are in the forestry industry, farming, tourism, fishing, and so on. If they qualify, people who work in seasonal jobs may be able to obtain employment insurance benefits when the jobs are not available.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 181 158-209 14th printing 2013 4/10/13 11:07 AM Page 182

Government Dates/Events/History Governments require peo- In 1967, Montreal hosted Expo ’67— a ple to have licences for World’s Fair that was held in conjunction various activities, and these with Canada’s Centennial Year —its need to be acquired from 100th birthday as a nation. government offices for a fee. Licences can differ from province to province and can include a driver’s licence to drive a car, a licence for each individual Money Matters car, a marriage licence, a Sunset is a special time in all parts of Canada with hunting licence, a fishing Frauds and scams spectacular scenery on many evenings—especially in licence, a boating licence, There are summer. and so on. anyone who phones offering a deal, asking for money, or saying you won a contest. Never give out personal information. Don’t respond to people who request money Month: or your personal information (especially banking information) over the Internet. Monday Date: Tuesday Date: Unfortunately, some people will try “scams” to take money from others. [DayPlanner web site – Link #146]

Careers Veterinary medicine Wednesday Date: Thursday Date: Interested in learning more about a career in veterinary medicine? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #90 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Sick days Most employers will allow employees to take a certain number of sick days each year. The employee still receives his or her pay for days missed due to illness. If the person is sick for more than the number of days allowed, the worker may lose pay for those Sunday Date: days missed or be expected to use up vacation days. Most employers will be consid- erate if a family emergency occurs that requires the worker to take time off work. The employee should contact the employer if he or she is going to be absent. [DayPlanner web site – Link #187] 182 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 183

Dates/Events/History Did You Know....? ire peo- In 1967, Montreal hosted Expo ’67— a In 1984, Marc Garneau became the first es for World’s Fair that was held in conjunction Canadian to travel in space (aboard the and these with Canada’s Centennial Year —its U.S. Shuttle Challenger). In 1992, Roberta r d from 100th birthday as a nation. Bondar became the first Canadian fi s for a woman to travel in space, aboard the differ U.S. Shuttle Discovery. rovince driver’s car, a ndividual Money Matters ence, a shing Frauds and scams cence, There are always some people who try to take advantage of others. Be careful with anyone who phones offering a deal, asking for money, or saying you won a contest. Never give out personal information. Don’t respond to people who request money or your personal information (especially banking information) over the Internet. Unfortunately, some people will try “scams” to take money from others. [DayPlanner web site – Link #146]

Careers Veterinary medicine Interested in learning more about a career in veterinary medicine? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #90 to link to information resources for education and training in this field.

Jobs & Business Sick days Most employers will allow employees to take a certain number of sick days each year. The employee still receives his or her pay for days missed due to illness. If the person is sick for more than the number of days allowed, the worker may lose pay for those days missed or be expected to use up vacation days. Most employers will be consid- erate if a family emergency occurs that requires the worker to take time off work. The employee should contact the employer if he or she is going to be absent. [DayPlanner web site – Link #187] CFEE’s DayPlanner Web site: www.cfeedayplanner.com 183 158-209 14th printing 2013 4/10/13 11:07 AM Page 184

Government Dates/Events/History Provinces/territories issue In 1972, Canada played a historic hockey driver’s licences for drivers series against the Soviet Union. Canada and vehicles.A driver’s won the eight game series in a dramatic licence is a good document comeback victory with a goal by Paul to have for personal Henderson. identification. New drivers are required to pass a driver’s test before a licence is issued. If needed, check to see if you can take the test in your first Money Matters language. Check with a Pictured above is Bow Lake in Banff,Alberta. licence office to see if you Frauds and scams need to obtain a new Take good care of your personal papers, especially papers about your identity, bank- licence to replace yours. ing, credit cards, and bills. Keep these in a safe place.You wouldn’t want such informa- tion to get into the hands of others.T Month: Many office stores sell “shredders.” It is a good idea to shred personal papers before Monday Date: Tuesday Date: throwing them away.

Careers Accounting Wednesday Date: Thursday Date: Interested in learning more about a career in accounting? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #91 to link to information resources for education and training in this field.

Friday Date: Saturday Date: Jobs & Business Employer expectations Employers will have some common expectations of employees.They will expect employees to be on time, dress appropriately, work productively, get along with work associates, show respect to work associates and customers and clients, and take an Sunday Date: honest and responsible approach to work.They will expect employees to take proper care of equipment and materials, work safely and with a concern for the safety of others, learn on the job to improve, to get more experience, and to complete tasks on time. 184 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 185

Dates/Events/History Did You Know....? es issue In 1972, Canada played a historic hockey In 1981,Terry Fox ran his “Marathon of or drivers series against the Soviet Union. Canada Hope” to raise money to fight cancer – iver’s won the eight game series in a dramatic the disease that took his leg. During his document comeback victory with a goal by Paul run, he became ill again and died that nal Henderson. year from the disease. He raised millions drivers of dollars and each year there are “runs” ass a r a in his name around the world. needed, o can ur first Money Matters w th a e if you Frauds and scams new Take good care of your personal papers, especially papers about your identity, bank- yours. ing, credit cards, and bills. Keep these in a safe place.You wouldn’t want such informa- tion to get into the hands of others.Tear up such papers before throwing them away. Many office stores sell “shredders.” It is a good idea to shred personal papers before throwing them away.

Careers Accounting Interested in learning more about a career in accounting? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #91 to link to information resources for education and training in this field.

Jobs & Business Employer expectations Employers will have some common expectations of employees.They will expect employees to be on time, dress appropriately, work productively, get along with work associates, show respect to work associates and customers and clients, and take an honest and responsible approach to work.They will expect employees to take proper care of equipment and materials, work safely and with a concern for the safety of others, learn on the job to improve, to get more experience, and to complete tasks on time. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 185 158-209 14th printing 2013 4/10/13 11:07 AM Page 186

Government Dates/Events/History In Canada, you need to be There are people in Quebec who would 18 or 19 to buy and drink like to establish a separate country. A alcohol depending on the Referendum was held in 1980 and 60% province you live in. of Quebecers voted against negotiating Drinking and driving laws sovereignty. are strict, and the penalties are severe if a person has had more than the legal limit. Police will check for drivers who have been Money Matters drinking.You cannot drink Loons are common in lakes across Canada and have a alcohol at work. [DayPlanner Frauds and scams very distinctive calling sound. web site – Link #295] Be very or appealing for help. Most are trying to take advantage of you. Never e-mail personal banking or cre Month: them. Never fill in forms or provide personal information on a website unless it is a Monday Date: Tuesday Date: site you know and trust.The Government of Canada has a Canadian Anti-Fraud Centre to help protect Canadians from frauds and scams.You can find this help at http://www.

Careers College/univers Wednesday Date: Thursday Date: Interested in learning more about a career as a college/university professor? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #92 to link to information resources for education and training in this field

Friday Date: Saturday Date: Jobs & Business If a business’s file for bankruptcy. If so, the assets of the company will be sold to try to raise money to pay off the debts. I or more file for protection from creditors to try to restructure the company to save it from Sunday Date: bankruptcy. [DayPlanner web site – Link #202]

186 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 187

Dates/Events/History Did You Know....? d to be There are people in Quebec who would In April of 1813, the Americans burned d drink like to establish a separate country. A the town of York during the War of g on the Referendum was held in 1980 and 60% 1812. In retaliation, the British burned n. of Quebecers voted against negotiating the White House in Washington. In 1834, ng laws sovereignty. York became known as Toronto.* e penalties rson has e legal heck for been Money Matters not drink DayPlanner Frauds and scams 295] Be very cautious about e-mails you receive that offer you deals, products, and prizes or appealing for help. Most are trying to take advantage of you. Never e-mail personal banking or credit card information to anyone unless you are sure that you can trust them. Never fill in forms or provide personal information on a website unless it is a site you know and trust.The Government of Canada has a Canadian Anti-Fraud Centre to help protect Canadians from frauds and scams.You can find this help at http://www.antifraudcentre-centreantifraude.ca/english/home.html.

Careers College/university professor Interested in learning more about a career as a college/university professor? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #92 to link to information resources for education and training in this field

Jobs & Business If a business’s income and assets cannot cover its debts, the company may have to file for bankruptcy. If so, the assets of the company will be sold to try to raise money to pay off the debts. If the business is not incorporated, the personal assets of one or more of the owners can be seized and sold to cover the debts.A corporation can file for protection from creditors to try to restructure the company to save it from bankruptcy. [DayPlanner web site – Link #202]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 187 158-209 14th printing 2013 4/10/13 11:07 AM Page 188

Government Dates/Events/History It is against the law in In 1980, Canada’s Ambassador to Iran, Canada to ride in a car Ken Taylor, became a hero by helping six without wearing a seatbelt. Americans escape from Iran during the If you drive, you should hostage crisis. Other hostages were held also make sure any for 444 days. passengers are wearing their seatbelts.There are fines if drivers or passengers are stopped by police and are not wearing Money Matters seat belts. [DayPlanner web Sailing is a popular activity in lakes across Canada. site – Link #296] Job application scam Be aware or more people trying to get you to submit a job application which provides them with your personal information first.Try to make sure the job ad is a real one by Month: calling the company and checking first. Monday Date: Tuesday Date:

Careers Social services Wednesday Date: Thursday Date: Interested in learning more about a career in social services? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #93 to link to information resources for education and training in this field

Friday Date: Saturday Date: Jobs & Business Employee Expectations (1) Employees will have some common expectations of employers. Employees will expect to work in a safe work with equipment that is in good condition, be paid appropriately and on time for Sunday Date: service rendered, and be treated fairly in all work-related matters.

188 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 189

Dates/Events/History Did You Know....? w in In 1980, Canada’s Ambassador to Iran, In 1837, rebellions in Upper Canada (led a car Ken Taylor, became a hero by helping six by W.L. Mackenzie) and Lower Canada a seatbelt. Americans escape from Iran during the (led by Louis-Joseph Papineau) set the s ould hostage crisis. Other hostages were held stage for the arrival of Lord Durham to ny for 444 days. try and deal with the concerns that led to the rebellions. He recommended inviting earing Upper and Lower Canada into the h re are Province of Canada—starting Canada on fi the road to nationhood. pped by t wearing Money Matters anner web Job application scam Be aware that job advertisements may occasionally be false. It may be a scam by one or more people trying to get you to submit a job application which provides them with your personal information first.Try to make sure the job ad is a real one by calling the company and checking first.

Careers Social services Interested in learning more about a career in social services? If so, many resources can help you explore possibilities in this career area.Visit DayPlanner web site – Link #93 to link to information resources for education and training in this field

Jobs & Business Employee Expectations (1) Employees will have some common expectations of employers. Employees will expect to work in a safe and clean environment, receive proper training and preparation, work with equipment that is in good condition, be paid appropriately and on time for service rendered, and be treated fairly in all work-related matters.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 189 158-209 14th printing 2013 4/10/13 11:07 AM Page 190

Government Dates/Events/History In Canada you are pre- The Canada Act of 1982 was passed by sumed innocent until the British House of Commons on proven guilty. If you are March 8, 1982 and adopted by the House questioned by police or of Lords on March 25.This Act ended arrested, do not resist. If British legislative jurisdiction over arrested, you have the right Canada. to know why and to have a lawyer and a translator if you need one. Money Matters

Those new to Canada should be prepared for snow in Starting a business winter—a time to dress warmly and be prepared for Many new snowy roads and . run a successful business. Governments in Canada will try to help people who have good ideas and a desire to start a new business.There are programs and services, Month: including grants and loans, available but it can be a challenge to complete the applica- Monday Date: Tuesday Date: tion forms and qualify. [DayPlanner web site – Link #148]

Careers Not-for-pro Wednesday Date: Thursday Date: Many organizations in Canada are not-for-profit organizations.These charitable organ- izations are set up to provide services to the public and communities without the goal of earning a profit on these activities.They are involved in charity work, commu- nity work, c ple in Canada work for the not-for-profit or NGO (Non-Government Organization) sector. [Day

Friday Date: Saturday Date: Jobs & Business Employee Expectations (2) Employees will have some common expectations of employers. Employees will expect fair opportunity for advancement, recognition for work well done, reasonable holidays and vacation time, and consideration of personal matters that may arise such as an ill- Sunday Date: ness or death in the family.

190 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 191

Dates/Events/History Did You Know....? pre- The Canada Act of 1982 was passed by There are a number of organizations in until the British House of Commons on Canada that work to support and assist ou are March 8, 1982 and adopted by the House small and medium-sized businesses. l ce or of Lords on March 25.This Act ended These organizations can help business r sist. If British legislative jurisdiction over owners with advice and information. See e the right Canada. pages 228 and 229 for a list of some of to have a these business organizations. [DayPlanner s ator if web site – Link #197] Money Matters

Starting a business Many newcomers to Canada start their own small businesses. It isn’t easy to start and run a successful business. Governments in Canada will try to help people who have good ideas and a desire to start a new business.There are programs and services, including grants and loans, available but it can be a challenge to complete the applica- tion forms and qualify. [DayPlanner web site – Link #148]

Careers Not-for-profit organizations (NGOs) Many organizations in Canada are not-for-profit organizations.These charitable organ- izations are set up to provide services to the public and communities without the goal of earning a profit on these activities.They are involved in charity work, commu- nity work, children’s programs and sports, and many, many other activities. Many peo- ple in Canada work for the not-for-profit or NGO (Non-Government Organization) sector. [DayPlanner web site – Link #94]

Jobs & Business Employee Expectations (2) Employees will have some common expectations of employers. Employees will expect fair opportunity for advancement, recognition for work well done, reasonable holidays and vacation time, and consideration of personal matters that may arise such as an ill- ness or death in the family.

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 191 158-209 14th printing 2013 4/10/13 11:07 AM Page 192

Government Dates/Events/History Most governments In 1983, Jeanne Sauvé was appointed as discourage smoking. Smoking the first female Governor General in is not permitted in public Canada. buildings, offices and working environments, restaurants, public transit, and so forth. Sometimes separate rooms are set aside for smokers. In general, it is customary to check whether smoking is permitted before Money Matters smoking. Life and health Canada has hosted two international expositions—Montréal insurance rates are higher If you are looking for answers to your questions about banking, credit cards, etc., in 1967 and Vancouver in 1986.The Vancouver site is shown for smokers. [DayPlanner the Financial Consumer Agency of Canada can help.You can visit their site at above. web site – Link #298] www.fcac-acfc.gc.ca Month: Monday Date: Tuesday Date:

Careers The web site of the Canadian Plastics Sector Council offe Wednesday Date: Thursday Date: and information to career seekers interested in jobs in the plastics industry.The web site prov colleges, and online. [DayPlanner web site – Link #51]

Friday Date: Saturday Date: Jobs & Business Types of businesses There are a number of different types of businesses in Canada.A sole proprietorship is owned by a single individual (this is often a small business and the most common type of business in Canada).A partnership is owned and operated by two or more Sunday Date: people or groups working according to a business agreement.A corporation is a “legal entity” and owned by shareholders.A co-operative is owned by members of the co-op. [DayPlanner web site – Link #188]

192 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 193

Dates/Events/History Did You Know....? In 1983, Jeanne Sauvé was appointed as Some common business practices would Smoking the first female Governor General in include: i public Canada. • being on time for meetings fi working • using a firm handshake as a greeting taurants, • dressing appropriately for a meeting o forth. • starting a meeting with talk about a e rooms something other than business (for mokers. example, weather or sports), often stomary called “small talk.” r smoking re Money Matters ealth r higher If you are looking for answers to your questions about banking, credit cards, etc., Planner the Financial Consumer Agency of Canada can help.You can visit their site at 298] www.fcac-acfc.gc.ca

Careers The web site of the Canadian Plastics Sector Council offers a wide range of services and information to career seekers interested in jobs in the plastics industry.The web site provides information on plastics-related training offered at Canadian universities, colleges, and online. [DayPlanner web site – Link #51]

Jobs & Business Types of businesses There are a number of different types of businesses in Canada.A sole proprietorship is owned by a single individual (this is often a small business and the most common type of business in Canada).A partnership is owned and operated by two or more people or groups working according to a business agreement.A corporation is a “legal entity” and owned by shareholders.A co-operative is owned by members of the co-op. [DayPlanner web site – Link #188]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 193 158-209 14th printing 2013 4/10/13 11:07 AM Page 194

Government Dates/Events/History It is against the law in The Canadian Charter of Rights and Canada to carry, sell, buy, Freedoms—in effect as of April 17, 1982 or use various illegal drugs —guarantees all Canadians fundamental such as heroin, marijuana, rights including democratic rights, hashish, speed, and cocaine. mobility rights, legal rights, equality rights, Be cautious about buying and linguistic rights. any kind of drug product from anyone other than a pharmacist. If you are uncertain about the legality Money Matters of any kind of drug Canada’s north has many beautiful wilderness areas. product, ask. Identity theft Pictured is a pond beneath Mount Thor in the Northwest Identity theft is a crime that is gro Territories. your personal information and pretends that they are you.They might use your name to take out a loan, use your credit card to make a purchase, or access your bank Month: accounts to withdraw money. Protect your personal information. Monday Date: Tuesday Date:

Careers CanLearn.ca is a site that pro Wednesday Date: Thursday Date: education and career planning.You can check out the wide range of help provided by this site at w

Friday Date: Saturday Date: Jobs & Business Profits A privately owned business (owned by an individual, partners, or shareholders) will try to earn a profit to stay in business.A business will incur costs to produce goods and services and will earn revenues from the sales. If the revenues are greater than Sunday Date: the costs, the business makes a profit.A business will need to make a reasonable profit to stay in business or else the owners will seek out some other form of work in order to generate the return on their investments of time and capital that they desire. [DayPlanner web site – Link #189] 194 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 195

Dates/Events/History Did You Know....? w in The Canadian Charter of Rights and Some common business practices and ell, buy, Freedoms—in effect as of April 17, 1982 customs would include: e al drugs —guarantees all Canadians fundamental • not swearing in business meetings arijuana, rights including democratic rights, • paying for a lunch or dinner if you d cocaine. mobility rights, legal rights, equality rights, extended the invitation t buying and linguistic rights. • ensuring there is no unpleasant body product odor e than a are he legality Money Matters u Identity theft Identity theft is a crime that is growing worldwide. It happens when someone gets your personal information and pretends that they are you.They might use your name to take out a loan, use your credit card to make a purchase, or access your bank accounts to withdraw money. Protect your personal information.

Careers CanLearn.ca is a site that provides a wide range of information to help with both education and career planning.You can check out the wide range of help provided by this site at www.canlearn.ca

Jobs & Business Profits A privately owned business (owned by an individual, partners, or shareholders) will try to earn a profit to stay in business.A business will incur costs to produce goods and services and will earn revenues from the sales. If the revenues are greater than the costs, the business makes a profit.A business will need to make a reasonable profit to stay in business or else the owners will seek out some other form of work in order to generate the return on their investments of time and capital that they desire. [DayPlanner web site – Link #189] CFEE’s DayPlanner Web site: www.cfeedayplanner.com 195 158-209 14th printing 2013 4/10/13 11:07 AM Page 196

Government Dates/Events/History In Canada, some health On January 1, 1989 the Free Trade products such as lotions, Agreement between Canada and the liniments, and headache United States came into effect.This remedies can be purchased agreement significantly reduced or elimi- at many stores. Some drugs nated trade barriers between Canada can only be purchased with and the U.S. a prescription from a doctor.These drugs can only be obtained from a licensed pharmacist. If you need a drug, a doctor will Money Matters write you out a prescrip- Canada geese are very common in Canada. tion, which you can take to Keeping financial records a pharmacy or drugstore Keep your important personal papers in a safe place, such as in a safety deposit box to have filled. at a bank.This would include papers such as your will, property deeds, passports, birth and marriage certificates, leasing documents, and contracts. Keep receipts for Month: your purchases.You may need these to return an item or to prove when you bought Monday Date: Tuesday Date: it so you can use the warranty.

Careers Jobserve Wednesday Date: Thursday Date: site will also help you with information on developing your résumé.You can check it out at w

Friday Date: Saturday Date: Jobs & Business Starting a business Anyone who wishes to is free to try to start a business in Canada so long as it fits within the law not easy, but it can be very rewarding. It is important to have experience and to Sunday Date: understand what will be involved.A business needs a good business plan and enough money to support it.A business must also provide a product or service that enough people will want to buy so that the business can make – Link #190] 196 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 197

Dates/Events/History Did You Know....? ealth On January 1, 1989 the Free Trade Some common business practices and otions, Agreement between Canada and the customs would include: a ache United States came into effect.This • not smoking in meetings, particularly in urchased agreement significantly reduced or elimi- workplaces and public places where ome drugs nated trade barriers between Canada smoking is prohibited by municipal and h sed with and the U.S. provincial legislation m a s can • being honest and ethical in business from a matters i t. If you ctor will Money Matters p escrip- an take to Keeping financial records ugstore Keep your important personal papers in a safe place, such as in a safety deposit box at a bank.This would include papers such as your will, property deeds, passports, birth and marriage certificates, leasing documents, and contracts. Keep receipts for your purchases.You may need these to return an item or to prove when you bought it so you can use the warranty.

Careers Jobserve is a site helping those looking for work to find jobs that are available.The site will also help you with information on developing your résumé.You can check it out at www.jobserve.ca

Jobs & Business Starting a business Anyone who wishes to is free to try to start a business in Canada so long as it fits within the laws and regulations that govern business activity. Starting a business is not easy, but it can be very rewarding. It is important to have experience and to understand what will be involved.A business needs a good business plan and enough money to support it.A business must also provide a product or service that enough people will want to buy so that the business can make a profit. [DayPlanner web site – Link #190] CFEE’s DayPlanner Web site: www.cfeedayplanner.com 197 158-209 14th printing 2013 4/10/13 11:07 AM Page 198

Government Dates/Events/History All countries have ways to The Meech Lake Accord was an effort to recognize outstanding citi- bring Quebec into Canada’s zens. Official awards are Constitution. However, opposition, par- called honours, consisting of ticularly in Newfoundland and Manitoba, orders, decorations and medals. led to its collapse in June of 1990. After using British honours for many years, Canada start- ed its own honours system with the in 1967, the centennial of Con- federation. Information on Money Matters nominations for many of Every province has its own parliament buildings in these honours can be found Money and Youth the provincial capital. Pictured is the Quebec at www.gg.ca/document. The Canadian Fo National Assembly building in Quebec City. aspx?id=70 people—ages 14–18—that helps them learn about money, making decisions, credit cards, moving out, and more.There is also a web site that goes along with the book. Month: You can get a free copy of Monday Date: Tuesday Date: the web site at w

Careers National Occupational Standard Wednesday Date: Thursday Date: The Canadian Plastics Sector Council (CPSC) has developed its National Occupational Standards.Workers from the industry, including newcomers to Canada, can evaluate their skills against industry-based standards and obtain a certification if qualified.The Standard

Friday Date: Saturday Date: Jobs & Business Entrepre An entrepreneur is a person who identifies a product or service that is needed and starts a business to provide that product or service. Successful entrepreneurs are usually those who love what they do, have a strong desire to accomplish personal Sunday Date: goals, are good team builders, and are willing to work hard. Entrepreneurs often help to increase and improve jobs, competition, quality, and incomes in their communities. Are you a prospective entrepreneur? See page 234 to learn more about the charac- teristics of an entrepreneur. [DayPlanner web site – Link #191]. 198 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 199

Dates/Events/History Did You Know....? ways to The Meech Lake Accord was an effort to Some common business practices and d ng citi- bring Quebec into Canada’s customs would include: fi are Constitution. However, opposition, par- • offering coffee, tea, water, or juice to nsisting of ticularly in Newfoundland and Manitoba, those visiting you in your place of work a d medals. led to its collapse in June of 1990. • taking the lead from your host when onours attending a meeting nada start- • confirming appointments in advance of r system nada in attending a meeting a of Con- a on on Money Matters any of be found Money and Youth ument. The Canadian Foundation for Economic Education (CFEE) has a free book for young people—ages 14–18—that helps them learn about money, making decisions, credit cards, moving out, and more.There is also a web site that goes along with the book. You can get a free copy of Money and Youth by calling 1-888-570-7610.You can visit the web site at www.moneyandyouth.cfee.org/en

Careers National Occupational Standards (English/French) The Canadian Plastics Sector Council (CPSC) has developed its National Occupational Standards.Workers from the industry, including newcomers to Canada, can evaluate their skills against industry-based standards and obtain a certification if qualified.The Standards can be accessed through DayPlanner web site – Link #95.

Jobs & Business Entrepreneurs An entrepreneur is a person who identifies a product or service that is needed and starts a business to provide that product or service. Successful entrepreneurs are usually those who love what they do, have a strong desire to accomplish personal goals, are good team builders, and are willing to work hard. Entrepreneurs often help to increase and improve jobs, competition, quality, and incomes in their communities. Are you a prospective entrepreneur? See page 234 to learn more about the charac- teristics of an entrepreneur. [DayPlanner web site – Link #191]. CFEE’s DayPlanner Web site: www.cfeedayplanner.com 199 158-209 14th printing 2013 4/10/13 11:07 AM Page 200

Government Dates/Events/History Canada joined international In 1991 the Goods and Services Tax organizations such as the came into effect.This replaced a manu- United Nations (UN). It facturers’ tax with a consumer-based tax. participated in the UN It is known as the GST. operation defending South Korea in the Korean War (1950–53), with the loss of 500 dead and 1,000 wound- ed. Canada has taken part in numerous UN peace- keeping missions in places Money Matters including Egypt, Cyprus and Pictured above are the Butchart Gardens in Haiti, and security opera- Building Futures Network tions (in former Yugoslavia The Canadian Fo Victoria, B.C. and Afghanistan).* saving—and especially saving for education.The web site has tips for saving and infor- mation on go Month: www.buildingfuturesnetwork.com Monday Date: Tuesday Date:

Careers Workopolis is a site that helps to connect those who are Wednesday Date: Thursday Date: employers.You can learn about jobs that are available and post your résumé for employe

Friday Date: Saturday Date: Jobs & Business Funding for a new business Small and medium-sized businesses are the most common in Canada and create many new jobs.That is why governments try to encourage and assist new business start- ups.There are programs to help people develop skills, develop business plans, and Sunday Date: obtain money to start up a business. See page 234 for some of the key organizations that try to help new entrepreneurs. [DayPlanner web site – Link #192]

200 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 201

Dates/Events/History Did You Know....? rnational In 1991 the Goods and Services Tax Some common business practices and h as the came into effect.This replaced a manu- customs would include: UN). It facturers’ tax with a consumer-based tax. • providing follow-up to a meeting in a e UN It is known as the GST. timely, efficient manner i g South • participation of a diverse group of ean War he loss of people reflecting the diversity of the 00 wound- workplace ken part eace- in places Money Matters C prus and opera- Building Futures Network Y goslavia The Canadian Foundation for Economic Education (CFEE) has a web site to help with * saving—and especially saving for education.The web site has tips for saving and infor- mation on government programs that can help with education savings.Visit www.buildingfuturesnetwork.com

Careers Workopolis is a site that helps to connect those who are looking for work with employers.You can learn about jobs that are available and post your résumé for employers to review.You can check out this site at www.workopolis.ca

Jobs & Business Funding for a new business Small and medium-sized businesses are the most common in Canada and create many new jobs.That is why governments try to encourage and assist new business start- ups.There are programs to help people develop skills, develop business plans, and obtain money to start up a business. See page 234 for some of the key organizations that try to help new entrepreneurs. [DayPlanner web site – Link #192]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 201 158-209 14th printing 2013 4/10/13 11:07 AM Page 202

Government Dates/Events/History In the past, most Canadians In 1993 became Canada’s of Asian descent were first female Prime Minister when she denied the vote in federal succeeded Brian Mulroney as leader of and provincial elections. In the Conservatives. However, she lost the 1948 the last of these, the next federal election to the Liberals. Japanese–Canadians, gained the right to vote.Aboriginal people were granted the vote in 1960. Rules in Canada, which gave preference to Money Matters Europeans, were removed Pictured is a log rolling contest—part of Klondike Days from immigration laws in Virtual Adviser held every year in Alberta. the 1960s.* The Canadian Fo answers questions about “MONEY” and “WORK”. It also provides you with other sources of help.To learn more, visit w Month: Monday Date: Tuesday Date:

Careers Jobboom.ca is an online re Wednesday Date: Thursday Date: There are job postings, employment news, and career advice.You can check it out at www.jobboom.ca

Friday Date: Saturday Date: Jobs & Business Business plan Any new business will need a business plan.The business plan will guide the start-up of the business and, if necessary, also be used to help raise money for the business. See page 235 for a list of the sections that are common in a business plan.There are Sunday Date: also sample business plans and business plan guides available on the Internet. [DayPlanner web site – Link #193]

202 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 203

Dates/Events/History Did You Know....? Canadians In 1993 Kim Campbell became Canada’s Canadian troops played a significant role were first female Prime Minister when she in the liberation of Holland in World War n federal succeeded Brian Mulroney as leader of II.To this day, many Dutch participate in ctions. In the Conservatives. However, she lost the activities to thank Canadians for the role hese, the next federal election to the Liberals. they played. a s, gained Aboriginal ted the n Canada, nce to Money Matters emoved aws in Virtual Adviser The Canadian Foundation for Economic Education (CFEE) has a web site that answers questions about “MONEY” and “WORK”. It also provides you with other sources of help.To learn more, visit www.virtualadviser.ca

Careers Jobboom.ca is an online recruiting site that specializes in the Canadian job market. There are job postings, employment news, and career advice.You can check it out at www.jobboom.ca

Jobs & Business Business plan Any new business will need a business plan.The business plan will guide the start-up of the business and, if necessary, also be used to help raise money for the business. See page 235 for a list of the sections that are common in a business plan.There are also sample business plans and business plan guides available on the Internet. [DayPlanner web site – Link #193]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 203 158-209 14th printing 2013 4/10/13 11:07 AM Page 204

Government Dates/Events/History Quebec experienced an era On October 25 1993, Jean Chrétien won of rapid change in the 1960s a majority victory for the Liberal Party. known as the Quiet Revolution. He would go on to win two other majority Many Quebecers sought to governments before being succeeded by separate from Canada.The Paul Martin Jr. movement for Quebec sov- ereignty gained strength but was defeated in two referendums in the province in 1980 and 1995.The autonomy of Quebec within Money Matters Canada remains a lively There are vast areas of rural countryside throughout topic—part of the dynamic Managing Your Money in Canada Canada. Above is farmland near Weyburn, Saskatchewan. that continues to shape our The Canadian Fo country.* organized by “life events.” That is, people often look for help when they have a “life event”—for example, getting a job, getting married, having a baby, retiring.To learn Month: more, visit w Monday Date: Tuesday Date:

Careers NextSteps.org has helpful info Wednesday Date: Thursday Date: ing for a job interview and so on. Check it out at w

Friday Date: Saturday Date: Jobs & Business Identifying opportunities To be successful,a new business will have to respond to a real “opportunity,” that is, address a need, a want, or a problem.An entrepreneur will then set up a business to produce a product or service that responds to the need, want, or problem. If it is a Sunday Date: real opportunity, enough people will buy the product or service to enable the busi- ness to make a profit. Be aware that many good “ideas” are not “opportunities.” [DayPlanner web site – Link #194]

204 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 205

Dates/Events/History Did You Know....? d an era On October 25 1993, Jean Chrétien won Hearing impaired t e 1960s a majority victory for the Liberal Party. Anyone who is hearing impaired or deaf Revolution. He would go on to win two other majority can contact the Canadian Hearing s ught to governments before being succeeded by Society (CHS).The CHS can help with n da.The Paul Martin Jr. information on career possibilities and ebec sov- ength but opportunities and how to explore wo options in Canada.You can visit their e province website at www.chs.ca The bec within Money Matters l vely dynamic Managing Your Money in Canada s ape our The Canadian Foundation for Economic Education (CFEE) has a web site that is organized by “life events.” That is, people often look for help when they have a “life event”—for example, getting a job, getting married, having a baby, retiring.To learn more, visit www.mymic.ca

Careers NextSteps.org has helpful information on exploring careers, looking for a job, prepar- ing for a job interview and so on. Check it out at www.nextsteps.org

Jobs & Business Identifying opportunities To be successful,a new business will have to respond to a real “opportunity,” that is, address a need, a want, or a problem.An entrepreneur will then set up a business to produce a product or service that responds to the need, want, or problem. If it is a real opportunity, enough people will buy the product or service to enable the busi- ness to make a profit. Be aware that many good “ideas” are not “opportunities.” [DayPlanner web site – Link #194]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 205 158-209 14th printing 2013 4/10/13 11:07 AM Page 206

Government Dates/Events/History Once an election has been In 1994, the Free Trade Agreement called, Elections Canada mails between Canada and the United States a voter information card to was expanded to include Mexico.That each elector whose name is in agreement became known as NAFTA— the National Register of the North American Free Trade Electors.The card lists when and where you vote. Even if Agreement. you do not receive a voter information card, you can still be added to the voters’ list up to the day of the election.To Money Matters vote either on Election Day La Ronde Amusement Park was built for the world exhibi- or at advance polls, go to the Potential benefits tion held in Montreal in 1967—Canada’s Centennial year. polling station listed on your Many companies offe voter information card.* for work. Benefits can include additional health insurance coverage, life insurance, pension plans, d Month: ers, to find out about the kinds of benefit packages that are offered, or provided, to Monday Date: Tuesday Date: employees.

Careers Careerbuilder. Wednesday Date: Thursday Date: www.careerbuilder.ca

Friday Date: Saturday Date: Jobs & Business Testing your business plan Before starting a business, an entrepreneur will want to “test” the business plan by asking some people with knowledge and experience to look over the plan and pro- vide opinions on it. If the entrepreneur is trying to raise money for the business, Sunday Date: those considering investment will be one test for the plan.There are organizations that will try to help entrepreneurs by reviewing their business plans. [DayPlanner web site – Link #195]

206 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 207

Dates/Events/History Did You Know....? been In 1994, the Free Trade Agreement “Earning Your Wheels” nada mails between Canada and the United States The Canadian Trucking Human Resources ard to was expanded to include Mexico.That Council has a guide to help those inter- name is in agreement became known as NAFTA— er of ested in becoming professional truck the North American Free Trade sts when drivers.The course provides help with e Even if Agreement. both practice and theory.You can obtain a voter more information at the CTHRC web o can still site. [DayPlanner web site – Link #106] t rs’ list up ection.To Money Matters t on Day go to the Potential benefits d on your Many companies offer benefits to employees in addition to a wage or salary in return ard.* for work. Benefits can include additional health insurance coverage, life insurance, pension plans, dental plans, and so on. Check with employers, and potential employ- ers, to find out about the kinds of benefit packages that are offered, or provided, to employees.

Careers Careerbuilder.ca helps to link job seekers with employers.You can check it out at www.careerbuilder.ca

Jobs & Business Testing your business plan Before starting a business, an entrepreneur will want to “test” the business plan by asking some people with knowledge and experience to look over the plan and pro- vide opinions on it. If the entrepreneur is trying to raise money for the business, those considering investment will be one test for the plan.There are organizations that will try to help entrepreneurs by reviewing their business plans. [DayPlanner web site – Link #195]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 207 158-209 14th printing 2013 4/10/13 11:07 AM Page 208

Government Dates/Events/History The First Nations have band In 1997, the Confederation Bridge chiefs and councilors who opened.The bridge connected Prince have major responsibilities Edward Island to the mainland and on First Nations reserves, allowed cars and trucks to drive onto including housing, schools and off of the island without having to and other services.There travel by ferry. are a number of provincial, regional and national Aboriginal organizations that are a voice for First Money Matters Nations, Métis and Inuit Many cities in Canada have public gardens. Pictured are people in their relationships Life and Disability Insurance the Botanical Gardens in Montreal. with the federal, provincial You may and territorial governments. disabled, this could be difficult for your family financially. Life and disability insurance can help pro Month: provide help, go to DayPlanner web site – Link #200. Monday Date: Tuesday Date:

Careers The Unive Wednesday Date: Thursday Date: ning.You can it out at h $50 for use of the manu

Friday Date: Saturday Date: Jobs & Business Support for small business in Canada The fact that so many people in Canada own or work for small businesses—and the fact that small businesses help to create jobs—means that there is a great deal of support for small business in Canada.There are programs in most high schools that Sunday Date: teach students about entrepreneurship.There are also courses and training programs at many colleges and universities. [DayPlanner web site – Link #196]

208 CFEE’s DayPlanner Web site: www.cfeedayplanner.com 158-209 14th printing 2013 4/10/13 11:07 AM Page 209

Dates/Events/History Did You Know....? have band In 1997, the Confederation Bridge Business associations ors who opened.The bridge connected Prince There are a number of business associa- n ibilities Edward Island to the mainland and tions in Canada that business people join r serves, allowed cars and trucks to drive onto as members.They join to get information, schools and off of the island without having to services, advice, and assistance from the s There travel by ferry. associations. See pages 228 and 229 for a list p ovincial, of some of Canada’s major business associa- nal tions. [DayPlanner web site – Link #206] z tions o First Money Matters d Inuit l tionships Life and Disability Insurance p ovincial You may be the most valuable asset your family has. If you should die or become v rnments. disabled, this could be difficult for your family financially. Life and disability insurance can help protect you and your family. For a list of insurance companies who can provide help, go to DayPlanner web site – Link #200.

Careers The University of Waterloo has developed an online manual to help with career plan- ning.You can it out at https://emanual.uwaterloo.ca.There is a cost of approximately $50 for use of the manual.

Jobs & Business Support for small business in Canada The fact that so many people in Canada own or work for small businesses—and the fact that small businesses help to create jobs—means that there is a great deal of support for small business in Canada.There are programs in most high schools that teach students about entrepreneurship.There are also courses and training programs at many colleges and universities. [DayPlanner web site – Link #196]

CFEE’s DayPlanner Web site: www.cfeedayplanner.com 209 210-242 14th printing 2013 4/10/13 11:13 AM Page 210

Some Additional Information ORGANIZATIONS ASSISTING NEWCOMERS FEDERAL AND PROVINCIAL/ AND LANGUAGE TRAINING TERRITORIAL GOVERNMENTS Some Organizations in Canada Helping Government of Canada Provincial and Territorial Newcomers to Canada Access government departments and Web Sites Citizenship and Immigration Canada’s M agencies at the federal level. listing of organizations Web Site: www.canada.gc.ca The provinces and territories have Web Site: w specific web sites to help newcomers. You can find the list of these sites at Newfoundland Citizenship and www.cic.gc.ca. Immigration Canada Association for New Canadians Alberta 144 Military Road Canada’s citizenship and immigration pro- www.gov.ab.ca St. John’s grams help build a community of citizens Tel: (709) 722-9680 respected throughout the world.The CIC British Columbia web site (www.cic.gc.ca) is your official www.gov.bc.ca Nova Scotia source for immigration, citizenship, settle- ment, resettlement and multiculturalism Manitoba Immigrant Settlement & Integration Services information and services. www.gov.mb.ca Web Site: www.cic.gc.ca 6960 Mumfo New Brunswick Halifax, NS B3L 4P1 The Working in www.gnb.ca Tel:(902) 423-3607 Canada Tool Newfoundland and Labrador Prince Edward The Working in Canada Tool is a great www.gov.nf.ca PEI Association for Newcomers to Canada place to start your job search. It can Northwest Territories 25 Unive produce a report with information that is Holman Building (4th floor) tailored to your occupation and to the www.gov.nt.ca Confederation Court places where you want to settle. Nova Scotia Charlottetown, PE C1A 8C4 Web Site: www.workingincanada.gc.ca/ Tel:(902) 628-6009 welcome.do?long=en www.gov.ns.ca Nunavut New B Foreign Credentials www.gov.nu.ca Centre d des immigrants du Sud-Est du Referral Office (FCRO) Ontario Nouve The Foreign Credentials Referral Office www.gov.on.ca 319 St. George Street (FCRO) is part of Citizenship and Moncton, NB E1C 1W8 Immigration Canada. It provides informa- Prince Edward Island Tel: (506) 382-7494 tion, path-finding and referral services www.gov.pe.ca on foreign credential recognition to help Miramichi Regional Multicultural Association foreign-trained workers succeed by putting Quebec their skills to work in Canada more quickly. www.gouv.qc.ca Miramichi Settlement Serv Web Site: www.credentials.gc.ca 1808 Saskatchewan Miramichi, NB E1N 1B6 www.gov.sk.ca Tel: (506) 773-5272 Yukon Multicultural Association of Fredericton Inc. www.gov.yk.ca 123 York Street, Suite 201, Fredericton, N 210 Tel:(506) 454-8292 210-242 14th printing 2013 4/10/13 11:13 AM Page 211

ORGANIZATIONS ASSISTING NEWCOMERS AND LANGUAGE TRAINING

Some Organizations in Canada Helping orial Newcomers to Canada Citizenship and Immigration Canada’s Multicultural Association of Greater listing of organizations Moncton Area e Web Site: www.cic.gc.ca/new 22 Church St., Suite C170 mers. Moncton, NB E1C 0P7 fi s at Newfoundland Tel:(506) 858-9659 Association for New Canadians 144 Military Road Saint John Y St. John’s, NF A1C 5R6 130 Broadview Ave. Tel: (709) 722-9680 Saint John, NB E2L 5C5 Tel: (506) 634-4860 Nova Scotia Quebec Immigrant Settlement & Integration Carrefour d’intégration Services du Nord 6960 Mumford Road, Suite 2120 255, Crémazie Est, 8e étage, Halifax, NS B3L 4P1 bureau 8.01 Tel:(902) 423-3607 Montréal (Québec) H2M 1L5 rador Prince Edward Island Tel:(514) 864-9191 PEI Association for Newcomers to Canada Carrefour d’intégration du Sud 25 University Avenue, Suite 400, 800, boulevard de Maisonneuve Est Holman Building (4th floor) (Place Dupuis, rez-de-chaussée) Confederation Court Mall Montréal (Québec) H2L 4L8 Charlottetown, PE C1A 8C4 Tel: (514) 864-9191 Tel:(902) 628-6009 New Brunswick Ontario Catholic Immigration Centre of Ottawa Centre d’accueil et d’accompagnement 219 Argyle Avenue des immigrants du Sud-Est du Ottawa, ON K2P 2H4 Nouveau-Brunswick Tel: (613) 232-9634 319 St. George Street Moncton, NB E1C 1W8 CultureLink Tel: (506) 382-7494 2340 Dundas Street West, Suite 301 Toronto, ON M6P 4A9 Miramichi Regional Multicultural Association Tel: (416) 588-6288 Miramichi Settlement Services 1808 Water Street Kababayan Community Centre Miramichi, NB E1N 1B6 Multicultural Services Tel: (506) 773-5272 1313 Queen Street West, Suite 133 Toronto, ON M6K 1L8 Multicultural Association of Fredericton Inc. Tel: (416) 532-3888 123 York Street, Suite 201, Fredericton, NB E3B 3N6 Tel:(506) 454-8292 211 210-242 14th printing 2013 4/10/13 11:13 AM Page 212

Kitchener – Waterloo YMCA Welcome Centre – Ajax Immigration and Multiculturalism Division I Cross Cultural & Community Services 458 Fairall Street, Unit 5 Manitoba Labour and Immigration 800 King Street West, 3rd Floor Ajax, ON L1S 1R6 500 – 213 Notre Dame Avenue Kitchener, ON N2G 1E8 Tel:1-877-761-1155 Winnipeg, MB R3B 1N3 Tel:(519) 579-9622 Tel:(204) 945-6300 Welcome Centre – Markham North London Cross Cultural Learner Centre 8400 Woodbine Ave, Suite 102-103 International Centre of Winnipeg 505 Dundas Street Markham, ON L3R 4N7 2nd floor – 406 Edmonton Street London, ON N6B 1W4 Tel:1-877-761-1155 Winnipeg, MB R3B 2M2 Tel:(204) 943-9158 Tel:(519) 432-1133 Welcome Centre – Markham South Kennedy Fields Plaza Welcome Place (Manitoba Interfaith New Canadians’ Centre of Excellence Inc. 7220 Kennedy Road Immigration Council Inc.) 660 Ouellette Avenue, 2nd Floor Markham, ON L3R 7P2 521 Bannatyne Ave. Windsor, ON N9A 1C1 Tel:1-877-761-1155 Winnipeg, MB R3A 0E4 Tel:(519) 258-4076 Tel:(204) 977-1000 Welcome Centre – Newmarket Ontario Council of Agencies Serving 16655 Yonge Street, Unit #26 Immigrants (OCASI) Saskatchew Newmarket, ON L3X 1V6 110 Eglinton Avenue West, Suite 200 Regina Open Door Society Tel:1-877-761-1155 Toronto, ON M4R 1A3 1855 Smith Stre Tel:(416) 322-4950 Welcome Centre – Pickering Regina, SK S4P 2N5 1400 Bayly Street, Unit 5 Tel:(306) 352-3500 Parkdale Intercultural Association Pickering, ON L1W 3R2 1257 Queen Street West Tel:1-877-761-1155 Saskatoon Open Door Society Toronto, ON M6K 1L5 247 First Ave. N. Tel: (416) 536-4420 Welcome Centre – Richmond Hill Saskatoon, SK S7K 1X2 South Hill Shopping Centre Polycultural Immigrant and Community Tel:(306) 343-8303 9325 Yonge Street, Services Richmond Hill, ON L4C 0A8 3363 Bloor Street West Alberta Tel:1-877-761-1155 Toronto, Ontario M8X 1G2 Alberta Association of Immigrant Serving Tel: (416) 233-0055 Welcome Centre – Vaughan Agencies 9100 Jane Street, Building H, Units 56-67 915 – 33 Stre Quinte United Immigrant Services Vaughan, ON L4K 0A4 Calgary,AB T2A 6T2 41 Octavia, Belleville, ON K8N 3N3 Tel: 1-877-761-1155 Tel:(403) 273-2962 Tel: (613) 968-7723 YMCA Newcomer Centre Downtown South London Neighbourhood Resource Calgary Catholic Immigration Society Toronto Centre 5th Floor, 20 Grosvenor Street 1119 Jalna Boulevard Calgary,AB T2R 0G5 Toronto, ON M4Y 2V5 London, ON N6E 3B3 Tel: (403) 262-2006 Tel:(416) 975-9622 Tel:(519) 686-8600 Manitoba Calgary Immigrant Women’s Association Thorncliffe Neighbourhood Office #200, 138 – 4 A 18 Thorncliffe Park Drive L’Accueil francophone du Manitoba Calgary,AB T2G 4Z6 Toronto ON M4H 1N7 104 – 420 rue Des Meurons Tel: (403) 263-4414 Tel:(416) 421-3054 Saint-Boniface, MB R2H 2N9 Thunder Bay Multicultural Association Tel: (204) 975-4250 Centre for Newcomers 17 North Court Street 1010, 999 – 36 Street NE Immigrant Women’s Counselling Service Thunder Bay, ON P7A 4T4 Calgary,A 200–323 Portage Avenue Tel:(807) 345-0551 Tel:(403) 569-3325 Winnipeg, MB R3B 2C1 Tel: (204) 940-2172 212 210-242 14th printing 2013 4/10/13 11:13 AM Page 213

Immigration and Multiculturalism Division Immigrant Services Calgary Manitoba Labour and Immigration 1200, 910 – 7 Avenue SW 500 – 213 Notre Dame Avenue Calgary,AB T2P 3N8 Winnipeg, MB R3B 1N3 Tel:(403) 265-1120 Tel:(204) 945-6300 rth Jewish Family Service Calgary 103 International Centre of Winnipeg #420 5920 – 1A Street SW 2nd floor – 406 Edmonton Street Calgary,AB T2H 0G3 Winnipeg, MB R3B 2M2 Tel:(403) 287-3510 Tel:(204) 943-9158 outh Lethbridge Family Services — Welcome Place (Manitoba Interfaith Immigrant Services Immigration Council Inc.) 703-2nd Avenue South 521 Bannatyne Ave. Lethbridge,AB T1J 0C4 Winnipeg, MB R3A 0E4 Tel:(403) 320-1589 Tel:(204) 977-1000 British Columbia Saskatchewan Affiliation of Multicultural Societies and Regina Open Door Society Service Agencies of BC (AMSSA) 1855 Smith Street 205 – 2929 Commercial Drive Regina, SK S4P 2N5 Vancouver, BC V5N 4C8 Tel:(306) 352-3500 Tel: (604) 718-2780 or 1-888-355-5560 Saskatoon Open Door Society Gladwin Language Centre 247 First Ave. N. 210 – 2580 Cedar Place ll Saskatoon, SK S7K 1X2 Abbotsford, BC V2T 3S5 Tel:(306) 343-8303 Tel:(604) 854-8160 Alberta Province of British Columbia Immigrant Integration and Alberta Association of Immigrant Serving Multicultural Branch Agencies 5th Floor, 605 915 – 33 Street NE s 56-67 Vancouver, BC V6B 5J3 Calgary,AB T2A 6T2 Tel:(604) 660-2203 Tel:(403) 273-2962 S.U.C.C.E.S.S. w town Calgary Catholic Immigration Society 28 West Pender Street 5th Floor, 1111 – 11 Avenue SW Vancouver, BC V6B 1R6 Calgary,AB T2R 0G5 Tel:(604) 684-1628 Tel: (403) 262-2006

Calgary Immigrant Women’s Association #200, 138 – 4 Avenue SE, oba Calgary,AB T2G 4Z6 Tel: (403) 263-4414

Centre for Newcomers 1010, 999 – 36 Street NE Service Calgary,AB T2A 7X6 Tel:(403) 569-3325

213 210-242 14th printing 2013 4/10/13 11:13 AM Page 214

Language Training Organizations JOB SEARCH, JOB SEEKING, Centre for Canadian Language Benchmarks CAREER BUILDING,AND VOLUNTEERING www.language.ca/ The Centre for Canadian Language Benchmarks (CCLB) is a national, not-for-profit organization, primarily serving the adult English as a Second Language community in Canada including learners, teachers, program administrators, materials, and curriculum Tips for Getting Started with Career Planning and test developers. In choosing a new career direction, what conditions do you want your choice Languages Canada to satisfy (e.g. desired income, interest area, education level, location, lifestyle)? www.languagescanada.ca/index.php In choosing a career direction, gather information about the types of work that Languages Canada is a language training organization representing language programs interest you, then talk to people in those lines of work. Can you get direct in both of Canada’s official languages: English and French. experience by volunteering, working part-time or job shadowing? Look for related possibilities while you explore the ones you have already identified. Language Instruction for Newcomers to Canada – LINC Evaluate yo www.cic.gc.ca/english/newcomers/before-language-training.asp stage of your life.What are the advantages and disadvantages of each The Government of Canada, in cooperation with provincial governments, school alternative? boards, community colleges, and immigrant-serving organizations, offers free language D training across the country for adult permanent residents. In most provinces, the name reality? What might prevent you from doing so? How will you overcome the of the program is LINC.The web site shown above lists LINC assessment centres problems you anticipate? across Canada.These centres can assess your language training needs and refer you to D the right LINC classes for your needs. www.cic.gc.ca/new and re The Canada Language Benchmarks Planning a career move is much like mapping your route for a road trip. If you An important part of education for many newcomers is to develop their English don’t and/or French language skills.The Canada Language Benchmarks online self-assessment Think about your school, work and volunteer experiences.What would you like tool can help you assess your language skills at www.clb-osa.ca. to be the same, and what would you want to be different in the future? Relate career planning to school.What were your best subjects at school? Experience has shown that one of the biggest factors affecting a newcomer’s W opportunity to get a job is language skills and being able to speak English or French. If needed, work on improving your ability to speak English or French to help you in W getting a job. yo Apply this to your career choice. Source: ALIS (Alberta Learning Information Service) w Some Common Mistake Build a Care Focusing on only a few options. Don’t miss out on what might have been a gre N you have acquired can be applied to many different career areas. See where yours may apply. N idea of where you want to go. If not, you might not like where you end up. N to do something you love to do. M m declining. 214 210-242 14th printing 2013 4/10/13 11:13 AM Page 215

JOB SEARCH, JOB SEEKING, CAREER BUILDING,AND VOLUNTEERING profit u ity in u riculum Tips for Getting Started with Career Planning In choosing a new career direction, what conditions do you want your choice to satisfy (e.g. desired income, interest area, education level, location, lifestyle)? In choosing a career direction, gather information about the types of work that rograms interest you, then talk to people in those lines of work. Can you get direct fi experience by volunteering, working part-time or job shadowing? Look for related possibilities while you explore the ones you have already identified. C Evaluate your career options and decide which are the best ones for you at this stage of your life.What are the advantages and disadvantages of each ol alternative? anguage Develop a plan of action.What will you have to do to make your decision a the name reality? What might prevent you from doing so? How will you overcome the ntres problems you anticipate? er you to Decide what you want from your next career move by identifying your needs and relevant interests, values, skills and abilities. Planning a career move is much like mapping your route for a road trip. If you l sh don’t know where you are going, you can’t decide on how to get there! s essment Think about your school, work and volunteer experiences.What would you like to be the same, and what would you want to be different in the future? Relate career planning to school.What were your best subjects at school? Would you be willing to take some further education or training? French. ou in What kind of environment do you like to work in (for example, outdoors, near your home, in the city, with a small group of people, in a large organization)? Apply this to your career choice. Source: ALIS (Alberta Learning Information Service) www.alis.gov.ab.ca Some Common Mistakes Made When Trying to Build a Career Focusing on only a few options. Don’t miss out on what might have been a great career by not looking for it. Not applying your knowledge and skills broadly. Often the skills and experience you have acquired can be applied to many different career areas. See where yours may apply. Not having a plan. It doesn’t have to be a detailed one—but you should have an idea of where you want to go. If not, you might not like where you end up. Not following your heart. Passion is one of the biggest factors in success.Try to do something you love to do. Misreading, or not reading, the market.Try to learn about changes in the labour market.Try to fit your career plan with where jobs are stable or growing—not declining. 215 210-242 14th printing 2013 4/10/13 11:13 AM Page 216

Not sticking with it. Sometimes the early going can be the toughest part.There Create Your Own Job may be some education, training, or early work challenges to overcome, but it A wealth of experience and skills can be gained from starting your own company. may well be worth it in the end. Consider this option in your job search.There are many useful books and Internet Not networking.There is so much to learn from others—and many resources to help you on this exciting career path. opportunities to explore. But you can’t learn if you don’t ask and talk with Do a Little Bit Each Day those who can help. If you are searching for employment, don’t try to cram your day full of tasks. If you set Not starting early.You don’t need to know exactly what you want to do—but aside a little bit of time each day you can accomplish a lot. Spread out the workload, don’t find you have closed doors to your future by some of the choices you but make sure to keep at it! make early in life. Always Include a Cover Letter Source: The Government of Manitoba [Copyright Notice: www.gov.mb.ca/legal/copyright.html; Nothing is more frustrating to employers than receiving a résumé with no indication Disclaimer Notification: www.gov.mb.ca/legal/disclaimer.html ] of its purpose, what position is being applied for, or to whom the résumé should be Tips for Job Hunting directed. Look T Research Companies Before Applying to Them It is important to think and plan strategically. Be sure to consider a career in an Do your homework and research a firm to better understand their needs. If you are industry with a strong future and potential for growth.Which industry sectors are unable to find information about a particular employer, write them and ask to be sent more promising than others? literature such as an annual report. Tailor Y Have a Professional Résumé When preparing a cover letter make sure that you tailor it to the specific job you are Nothing puts your résumé more quickly at the bottom of an employer’s pile—or applying for.A cover letter that has been sent out in bulk, or involves ‘filling in the worse, in their garbage can—than a hand-written or illegible résumé.Your résumé blanks,’ will be the first to be thrown out! must be in a concise and easy-to-read format. Don’t Give Up! Put Yourself in an Employer’s Shoes If your résumé is not getting you any interviews, consider rewriting it or asking people If you were looking to hire, what strengths and qualities would you look for in a you know and trust to review it. Don’t allow rejections to deflate your self-confidence candidate? What characteristics would lead you to choose one applicant over another? and your sense of self-wo These are the same traits that you should market to employers. Believe in Yourself Looking For a Job is Hard Work Self-confidence is important to any successful job search.You have to believe in Understand from the beginning that looking for employment is a full-time job in itself. yourself before you can get others to believe in you. Remember: you have a lot to It requires a tremendous amount of dedication, hard work and patience. Be prepared offer a prospective employer! to stay on track! Follow Give Thought to Your References Every contact you make should be followed up in some way.Whether it’s with a Ensure that your references will complement your job search. Make sure that your phone call, a thank you letter, or a card, following up will make you stand out in the references are aware of your job search and ask each for his or her permission to be mind of a potential employer and help to get you noticed. used as a reference. Expect Some Rejection Before You Get Hired Be Realistic in Your Expectations Expecting rejection may appear self-defeating, but nobody can land a job on the first Don’t turn down employment simply because it isn’t your ‘ideal job.’Also, don’t apply try every time! Learn to accept from the beginning that you will encounter rejection for positions that you’re not qualified for. Keep an open mind and realistically assess all and that it should not be take job opportunities. Network as Much as Possible Keep Track of All Contacts The saying,‘It’s not what you know, but who you know’ contains a good deal of truth. Make a list of every résumé you send, every phone call you make, and the name and Talk to friends, relatives, teachers, etc. Get out into your professional and local title of everyone you talk to in your job search.This will help you in your follow-up community and meet people who share similar interests. efforts and allow you to closely monitor your progress.

216 210-242 14th printing 2013 4/10/13 11:13 AM Page 217

t.There Create Your Own Job e but it A wealth of experience and skills can be gained from starting your own company. Consider this option in your job search.There are many useful books and Internet resources to help you on this exciting career path. with Do a Little Bit Each Day If you are searching for employment, don’t try to cram your day full of tasks. If you set do—but aside a little bit of time each day you can accomplish a lot. Spread out the workload, fi you but make sure to keep at it! Always Include a Cover Letter ml; Nothing is more frustrating to employers than receiving a résumé with no indication of its purpose, what position is being applied for, or to whom the résumé should be directed. Look Towards Industries with a Future It is important to think and plan strategically. Be sure to consider a career in an ou are industry with a strong future and potential for growth.Which industry sectors are fi be sent more promising than others? Tailor Your Cover Letter to the Job When preparing a cover letter make sure that you tailor it to the specific job you are —or applying for.A cover letter that has been sent out in bulk, or involves ‘filling in the umé blanks,’ will be the first to be thrown out! Don’t Give Up! If your résumé is not getting you any interviews, consider rewriting it or asking people a you know and trust to review it. Don’t allow rejections to deflate your self-confidence another? and your sense of self-worth! Believe in Yourself Self-confidence is important to any successful job search.You have to believe in b n itself. yourself before you can get others to believe in you. Remember: you have a lot to p epared offer a prospective employer! Follow-up, Follow-up, Follow-up Every contact you make should be followed up in some way.Whether it’s with a t your phone call, a thank you letter, or a card, following up will make you stand out in the on to be mind of a potential employer and help to get you noticed. Expect Some Rejection Before You Get Hired Expecting rejection may appear self-defeating, but nobody can land a job on the first n t apply try every time! Learn to accept from the beginning that you will encounter rejection fi assess all and that it should not be taken personally. Network as Much as Possible The saying,‘It’s not what you know, but who you know’ contains a good deal of truth. e and Talk to friends, relatives, teachers, etc. Get out into your professional and local ow-up community and meet people who share similar interests.

217 210-242 14th printing 2013 4/10/13 11:13 AM Page 218

Apply to Small-sized Firms as Well as Larger Ones Federal Government Service Centres Don’t restrict your job search just to the larger, better-known firms. In many cases, www.servicecanada.gc.ca/cgi-bin/hr-search.cgi?app=hme&ln+eng it’s the smaller companies which are expanding and in need of more employees. To find information about a location, you can search the web site.You may search For info on smaller firms have a look at business directories. centres by province or territory, city or town, or postal code. Visit a Human Resource Centre of Canada Web Sites Providing Job and Employer Information Human Resource Centres of Canada provide employment counselling and placement, Alberta Jobs N job training, labour market information, services to employers, and Unemployment www.albertajobs.com Insurance administration. British Columbia Jobs Source: The Government of Manitoba [Copyright Notice: www.gov.mb.ca/legal/copyright.html; www.britishcolumbiajobs.com Disclaimer Notification: www.gov.mb.ca/legal/disclaimer.html ] Canada Jobs Sample Questions Employers May Ask www.canadajobs.com in a Job Interview Manitoba Jo 1. Why do you want to work in this 11. What do you like to do in your www.manitobajobs.com field? leisure time? 2. Why do you specifically want to 12. What are a couple of accomplish- New Brunswick Jobs work for this company? ments in your life that have given www.atlanticjobs.com 3. What do you know about our company? you the most satisfaction and why? Newfoundland Jobs 4. Why do you feel you are the right 13. What are some skills that you feel www.atlanticjobs.com candidate for this job? What do you you have gained from your past think you can bring to this company? employment and education? Northwest Territories Jobs www.nwtjobs.ca 5. What things are important to you in 14. What motivates you to put forth the type of position you want? your best effort? List of Jo 6. How has your education prepared 15. What is your greatest strength? Canada Jo you for this type of job? 16. What is your greatest weakness? 7. Which school courses did you like 17. What are your salary expectations? www.jobbank.gc.ca most and why? 18. What hours are you willing to Canada Jobs 8. Do you plan to continue your work? www.canadajobs.com education? 19. Are you flexible in these hours? Can 9. What are your short-term goals? you work overtime if necessary? Canjobs 10. Where do you see yourself in 20. Are you willing to travel? www.canjobs.com 5 years? CareerExchange Source: The Government of Manitoba [Copyright Notice: www.gov.mb.ca/legal/copyright.html; www.care Disclaimer Notification: www.gov.mb.ca/legal/disclaimer.html] Questions Employers May Not Ask in a Job Interview 1. What health problems do you have? 12. How old are your children? Current “Hot Jobs” 2. Do you have any disabilities? 13. Where were you born? 3. Have you ever been denied health 14. What church are you a member of? Labour Market Information J insurance? 15. Does your religion prevent you http://www. 4. When were you hospitalized the from working weekends or holidays? /labour_marke last time? 16. Are you a member of any religious 5. Is any member of your family disabled? group? Alberta Occupational Pro 6. Do you have AIDS? 17. What’s your sexual orientation? alis.gov.ab.ca/occinfo 7. Have you ever been addicted to drugs? 18. Are you married, divorced, Canadian Care 8. When was your last medical checkup? separated, or single? www.canadiancareers.com/sector.html 9. How old are you? 19. Were you ever arrested? 10. When were you born? 20. What is your economic situation or 11. When were you married? status? 218 Source: www.careerblueprint.com 210-242 14th printing 2013 4/10/13 11:13 AM Page 219

Federal Government Service Centres ases, www.servicecanada.gc.ca/cgi-bin/hr-search.cgi?app=hme&ln+eng e s. To find information about a location, you can search the web site.You may search fi centres by province or territory, city or town, or postal code. Web Sites Providing Job and Employer Information cement, Alberta Jobs Nova Scotia Jobs yment www.albertajobs.com www.atlanticjobs.com British Columbia Jobs Nunavut Jobs www.nunavutjobs.net ml; www.britishcolumbiajobs.com Ontario Jobs Canada Jobs www.ontariojobs.com www.canadajobs.com Prince Edward Island Manitoba Jobs www.atlanticjobs.com our www.manitobajobs.com Quebec Jobs www.quebecjobs.com plish- New Brunswick Jobs given www.atlanticjobs.com Saskatchewan Jobs www.saskjobs.com nd why? Newfoundland Jobs you feel www.atlanticjobs.com Yukon WorkinfoNET ast www.yuwin.ca ? Northwest Territories Jobs www.nwtjobs.ca forth List of Job Search Sites ngth? Canada Job Bank EmployCanada.com kness? ctations? www.jobbank.gc.ca www.employcanada.com to Canada Jobs Jobboom.com www.canadajobs.com www.jobboom.com fl urs? Can ary? Canjobs Monster.ca www.canjobs.com www.monster.ca CareerExchange Workopolis ml; www.careerexchange.com www.workopolis.com rview ? Current “Hot Jobs” ber of? Labour Market Information JobProfiles.org you http://www.hrsdc.gc.ca/eng/workplaceskills www.jobprofiles.org holidays? /labour_market_information/index.shtml r ligious National Occupational Classification (NOC) Making Career Sense of Labour Alberta Occupational Profiles www5.hrsdc.gc.ca/NOC/ Market Information alis.gov.ab.ca/occinfo t on? Canadian Skills Alliance makingcare Canadian Careers Industry Information www.councils.org www.canadiancareers.com/sector.html ation or

219 210-242 14th printing 2013 4/10/13 11:13 AM Page 220

Associations in Canada Helping Those with • Opticians • Disabilities to Find Employment • Optometrists • Paramedics (Emergency Medical National Educational Association of Persons with Disabilities Online Assistants) Disabled Students www.pwd-online.ca • Pharmacists www.neads.ca Workink • Psychologists Neil Squire Society www.workink.com • Physicians www.neilsquire.ca • Physiotherapists • Podiatrists/Chiropodists Helpful Organizations if You Are Interested • Public Accountants in Volunteering Charity Village CREDENTIAL ASSESSMENT SERVICES www.charityvillage.com IN CANADA Charity Village Volunteer bulletin board posts current volunteer positions available across the country. The Canadian Information Centre for Volunteer Canada International Credentials (CICIC) www.volunteer.ca 95 St. Clair Avenue West, Suite 1106 Volunteer.ca is Volunteer Canada’s Web Site for information on volunteering.Volunteer Toronto, Ontario M4V 1N6 Canada Canada is the national voice for volunteerism and has provided leadership on issues Tel:(416) 962-9725 and trends in the Canadian volunteer movement since 1977.Volunteer Canada actively www.cicic.ca/2/home.canada engages in research, training, and other national initiatives designed to increase community participation across the country.Volunteer.ca provides details and links to Albert the Canada Volunteerism initiative, national events, a directory of organizations, and International Qualifications Assessment statistics and facts about volunteering in Canada. Service (IQAS) Alberta Employment, Immigration and Industry 9th Floor, 108th Street Building EXAMPLES OF SOME REGULATED PROFESSIONS 9942 – 108 Street Edmonton,A Tel:(780) 427-2655 Fax: (780) 422-9734 • Acupuncturists • Engineering Technicians and Web Site: e • Agrologists Technologists • Engineers • Architects British Columbia • Audiologists/Speech Language • Foresters Pathologists • Geoscientists International Cre 3700 Willingdon Avenue • Certified General Accountants • Hearing Aid Practitioners Burnaby, British Columbia V5G 3H2 • Certified Management Accountants • Home Economists Tel:(604) 432-8800 Fax: (604) 435-7033 • Chartered Accountants • Land Surveyors E-mail: [email protected] • Chiropractors • Landscape Architects Web Site: w • Community/Urban Planners • Lawyers Manitoba • Dental Assistants • Licensed Practical Nurses/ Academic Cre Registered Nursing Assistants • Dental Hygienists —M • Dental Technicians • Massage Therapists Manitoba Labour and Immigration, Settle- • Dentists/Dental Specialities • Medical Laboratory Technologists ment & Labour Market Services Branch • Denturists • Medical Radiation Technologists 5th Floor, 213 Notre Dame Avenue, • Dietitians • Midwives Winnipeg, Manitoba R3B 1N3 • Embalmers/Funeral Directors • Naturopathic Physicians Tel: (204) 945-6300 Fax: ( • Occupational Therapists Web Site: h 220 210-242 14th printing 2013 4/10/13 11:13 AM Page 221

• Opticians • Real Estate Agents • Optometrists • Registered Nurses • Paramedics (Emergency Medical • Registered Psychiatric Nurses Assistants) • Respiratory Therapists • Pharmacists • Social Workers • Psychologists • Teachers • Physicians • Translators/Interpreters • Physiotherapists • Veterinarians • Podiatrists/Chiropodists Source: • Public Accountants Canadian Information Centre for International Credentials (CICIC)

CREDENTIAL ASSESSMENT SERVICES IN CANADA able The Canadian Information Centre for Ontario International Credentials (CICIC) World Education Services-Canada 95 St. Clair Avenue West, Suite 1106 (WES Canada) Volunteer Toronto, Ontario M4V 1N6 Canada 2 Carlton Street, Suite 1400 ssues Tel:(416) 962-9725 Toronto, ON M5B 1J3 d actively www.cicic.ca/2/home.canada Tel:(416) 972-0070 Alberta Fax: (416) 972-9004 inks to Toll-free: (866) 343-0070 n , and International Qualifications Assessment (from outside the 416 area code) Service (IQAS) Contact Form: www.wes.org/ca/contact.asp Alberta Employment, Immigration and Industry Web Site: www.wes.org/ca/ 9th Floor, 108th Street Building ONS 9942 – 108 Street Quebec Edmonton,Alberta T5K 2J5 Centre d’expertise sur les formations Tel:(780) 427-2655 Fax: (780) 422-9734 acquises hors du Québec (CEFAHQ) Web Site: employment.alberta.ca/ Ministère de l’Immigration et des Immigration/4512.html Communautés culturelles (MICC) e British Columbia 255, boulevard Crémazie Est, 8 étage, Montréal, Québec H2M 1M2 International Credential Evaluation Service (ICES) Tél: (514) 864-9191 ou (877) 264-6164; 3700 Willingdon Avenue Fax: (514) 873-8701 Burnaby, British Columbia V5G 3H2 E-mail: [email protected] Tel:(604) 432-8800 Fax: (604) 435-7033 Web Site: www.immigration-quebec.gouv.qc.ca/ E-mail: [email protected] en/education/comparative- Web Site: www.bcit.ca/ices/ evaluation/index.html Manitoba Saskatchewan Academic Credentials Assessment Service ts International Qualifications Assessment — Manitoba (ACAS) Service (IQAS)* Manitoba Labour and Immigration, Settle- Alberta Employment, Immigration and Industry o ogists ment & Labour Market Services Branch 9th Floor, 108th Street Building ogists 5th Floor, 213 Notre Dame Avenue, 9942–108 St., Edmonton,Alberta T5K 2J5 Winnipeg, Manitoba R3B 1N3 Tel:(780) 427-2655 Fax: (780) 422-9734 Tel: (204) 945-6300 Fax: (204) 948-2148 Web Site: employment.alberta.ca/ Web Site: http://www.immigratemanitoba.com/ Immigration/4512.html working-in-manitoba/acas/ 221 210-242 14th printing 2013 4/10/13 11:13 AM Page 222

Northwest Territories Other Services Foreign Credential Recognition Program International Qualifications Assessment Comparative Education Service (CES) Service (IQAS)* The Government of Canada is committed to streamlining foreign credential recogni- University of Toronto Alberta Employment, Immigration and tion so that skilled newcomers are able to find meaningful work that contributes to Industry 158 St. George Street Canada’s economy and overall prosperity. 9th Floor, 108th Street Building Toronto, Ontario M5S 2V8 Human Resources and Skills Development Canada’s (HRSDC) Foreign Credential Tel:416-978-2400 9942 – 108 Street Fax: 416-978-6666 Recognition Program (FCRP) works with partners and stakeholders to ensure that Edmonton,Alberta T5K 2J5 Web Site: learn.utoronto.ca/ces.htm foreign credentials are assessed in a fair, consistent, transparent and timely manner Tel: (780) 427-2655 Fax: (780) 422-9734 across Canada.Through contribution agreements, the FCRP offers financial support Web Site: employment.alberta.ca/ International Credential Assessment to provincial and territorial governments and stakeholders including regulatory Immigration/4512.html Service of Canada (ICAS) bodies and national associations for projects that streamline the assessment and Ontario AgriCentre recognition of international credentials.The FCRP does not provide direct financial Other provinces and 100 Stone Road West, Suite 102 Guelph, Ontario N1G 5L3 support to individuals. territories Tel:(519) 763-7282 For furt Toll-free: (800) 321-6021 For credential evaluation services in New Fax: (519) 763-6964 Foreign Credential Recognition Program Brunswick, Newfoundland and Labrador, E-mail: [email protected] Human Resources and Skills Development Canada Nova Scotia, Prince Edward Island, Web Site: www.icascanada.ca/ Portage IV – 5th Floor, Nunavut or Yukon, you can contact any Gatineau, Q of the services listed here. Engineers Canada Engineering International-Education Foreign Credential Recognition Loans Pilot Project * The Governments of Saskatchewan and Assessment Program (EIEAP) of the Northwest Territories provide this 180 Elgin Street, Suite 1100 For many internationally trained individuals, the cost of licensing exams and skills service through an interprovincial agree- Ottawa, Ontario K2P 2K3 upgrading can present a significant barrier to credential recognition. In addition, ment with the Government of Alberta. Tel: (613) 232-2474 Fax: (613) 230-5759 many re E-mail: [email protected] Canadian financial institutions. In 2011, the Government of Canada announced the Web Site: www.engineerscanada.ca/ FCR Loans Pilot project to test models of community-based partnerships that The Foreign Credentials Referral Office (FCRO) would help internationally encounter during the FCR process. The Foreign Credentials Referral Office (www.credentials.gc.ca) is part of Citizenship and The FCR Loans Pilot pro Immigration Canada. It provides information, path-finding and referral services on foreign credential recognition to help foreign-trained workers succeed and put their skills to work in provides funding to nine community-based organizations across Canada to increase Canada more quickly. their capacity to deliver financial assistance to eligible professionals seeking to have The FCRO web site www.credentials.gc.ca offers general information about finding a job and their cre features the following resources: For further information, please contact: Planning to Work in Canada? An essential workbook for newcomers will help you better • S.U.C.C.E.S.S., in British Columbia (h prepare, plan and gather information about living and working in Canada. • Immigrant Access Fund, in Alberta (h The Working in Canada Tool will help you learn about job descriptions, wages, skills, • Immigrant A language training and job opportunities by producing a report tailored to your needs. • SEED Winnipeg Inc., in Manitoba (h The Occupational Facts will guide you through the process of foreign credential recognition and the general requirements you must meet to work in your profession in Canada. • WIL Employment Connections, in London, Ontario In Canada, Service Canada provides telephone and in-person services for individuals seeking (http://www.wil.ca/immigrants-newcomers/skilled-immigrant-loan-program) information about where to go to get their credentials assessed in Canada. Service Canada • Association Communautaire d’emprunt de Montréal (ACEM), in Québec agents help individuals identify more quickly their occupation’s appropriate regulatory and (http://www. assessment body as well as provide important job-related information about specific occupations. • New Brunswick Multicultural Council Inc. (h For assistance related to foreign credentials you can reach Service Canada by telephone at 1-888- • Canada Microcredit Educators Group, in Prince Edward Island 854-1805 or TTY 1-800-926-9105 (in Canada only).The telephone agents will also be able to direct (http://www.microloanscanada.ca/index.asp) you to the nearest Service Canada centre for in-person service. • Immigrant Settlement and Integration Services, in Nova Scotia For further information visit www.credentials.gc.ca 222 (http://www. 210-242 14th printing 2013 4/10/13 11:13 AM Page 223

Foreign Credential Recognition Program

CES) The Government of Canada is committed to streamlining foreign credential recogni- tion so that skilled newcomers are able to find meaningful work that contributes to Canada’s economy and overall prosperity. Human Resources and Skills Development Canada’s (HRSDC) Foreign Credential Recognition Program (FCRP) works with partners and stakeholders to ensure that h m foreign credentials are assessed in a fair, consistent, transparent and timely manner across Canada.Through contribution agreements, the FCRP offers financial support ent to provincial and territorial governments and stakeholders including regulatory bodies and national associations for projects that streamline the assessment and recognition of international credentials.The FCRP does not provide direct financial support to individuals. For further information: Foreign Credential Recognition Program Human Resources and Skills Development Canada Portage IV – 5th Floor, 140 Promenade du Portage Gatineau, QC K1A 0J9 Web site: www.hrsdc.gc.ca t on Foreign Credential Recognition Loans Pilot Project ) For many internationally trained individuals, the cost of licensing exams and skills upgrading can present a significant barrier to credential recognition. In addition, 0-5759 many recent immigrants do not have sufficient credit history to borrow from ada.ca Canadian financial institutions. In 2011, the Government of Canada announced the ca/ FCR Loans Pilot project to test models of community-based partnerships that ) would help internationally trained individuals overcome financial barriers they encounter during the FCR process. and The FCR Loans Pilot project is a three year $18 million research project that r ign ork in provides funding to nine community-based organizations across Canada to increase their capacity to deliver financial assistance to eligible professionals seeking to have job and their credentials recognized. For further information, please contact: o better • S.U.C.C.E.S.S., in British Columbia (http://www.fcrloan.ca/); • Immigrant Access Fund, in Alberta (http://www.iafcanada.org/); k lls, • Immigrant Access Fund, in Saskatchewan (http://www.iafcanada.org/); needs. • SEED Winnipeg Inc., in Manitoba (http://seedwinnipeg.ca/programs/detail/recognition-counts); ecognition da. • WIL Employment Connections, in London, Ontario a s seeking (http://www.wil.ca/immigrants-newcomers/skilled-immigrant-loan-program); a ada • Association Communautaire d’emprunt de Montréal (ACEM), in Québec and (http://www.acemcreditcommunautaire.qc.ca/en/loans-for-foreign-credential-recognition); fi pations. • New Brunswick Multicultural Council Inc. (http://nb-mc.ca/index.php/english/programs); at 1-888- • Canada Microcredit Educators Group, in Prince Edward Island e to direct (http://www.microloanscanada.ca/index.asp); and • Immigrant Settlement and Integration Services, in Nova Scotia (http://www.isisns.ca/employment/for-immigrants/career-pathway-loan-project/) 223 210-242 14th printing 2013 4/10/13 11:13 AM Page 224

Insured surgical-dental services—are services provided by a dentist in a HEALTH, SAFETY,HUMAN RIGHTS, hospital, where a hospital setting is required to properly perform the AND EDUCATION procedure. Ex (nursing home intermediate care and adult residential care services), and the Canada’s Health Care System: Quick Overview health aspects of home care and ambulatory care services. Health Canada www.hc-sc.gc.ca/hcs-sss/index_e.html Some Rights Related to Health and Safety Standards Canada has a predominantly publicly financed health care system. Our national health insurance program is achieved through thirteen interlocking provincial and territorial Canadian Centre for Occupational Health and Safety (CCOHS) health insurance plans, linked through adherence to national principles set at the www.ccohs.ca/oshanswers/legisl/responsi.html federal level. What are general responsibilities of governments? General re The aim of the Canada Health Act is to ensure that all eligible residents of Canada have reasonable access to medically necessary insured services on a prepaid basis, without enforcement of occupational health and safety legislation direct charges at the point of service. w A shared responsibility dissemination of information The federal government is responsible for: promotion of training, education and research resolution of Occupational Health and Safety disputes setting and administering national principles or standards for the health care system; What are the employees rights and responsibilities? assisting in the financing of provincial health care services; Employees responsibilities include the following: delivering direct health services to specific groups including veterans, native re Canadians, persons living on reserves, military personnel, inmates of federal and regulations penitentiaries and the Royal Canadian Mounted Police, and fulfilling other health-related functions such as health protection, disease responsibility to use personal protective equipment and clothing as directed prevention, and health promotion. by The provincial and territorial governments are responsible for: responsibility to report workplace hazards and dangers responsibility to work in a manner as required by the employer and use the managing and delivering insured health services; prescribed safety equipment planning, financing, and evaluating the provision of hospital care, physician and allied health care services, and Employe managing some aspects of prescription care and public health. right to refuse unsafe work right to part Health Care Services Covered by Canada’s Joint Health and Safety Committee (JHSC) or as a worker health and safety Medicare Program representative right to know, or the right to be informed about actual and potential dangers There are two groups of services covered by the Canada Health Act: in t Insured health care services—are medically necessary hospital services, What are the supervisor’s responsibilities? physician services and surgical-dental services provided to insured persons. Insured hospital services—include medically necessary in-patient and out- As a supervisor, he or she: patient services such as standard or public ward accommodation, nursing m services, diagnostic procedures such as blood tests and X-rays, drugs m administered in hospital, and the use of operating rooms, case rooms and anaesthetic facilities. m Insured physician services—are generally determined by physicians in of workers conjunction with their provincial and territorial health insurance plans. 224 210-242 14th printing 2013 4/10/13 11:13 AM Page 225

Insured surgical-dental services—are services provided by a dentist in a hospital, where a hospital setting is required to properly perform the procedure. Extended health care services—are certain aspects of long-term residential care (nursing home intermediate care and adult residential care services), and the health aspects of home care and ambulatory care services.

Some Rights Related to Health and Safety Standards health rritorial Canadian Centre for Occupational Health and Safety (CCOHS) the www.ccohs.ca/oshanswers/legisl/responsi.html What are general responsibilities of governments? General responsibilities of governments for occupational health and safety include: ada have without enforcement of occupational health and safety legislation workplace inspections dissemination of information promotion of training, education and research resolution of Occupational Health and Safety disputes h care What are the employees rights and responsibilities? fi Employees responsibilities include the following: tive responsibility to work in compliance with Occupational Health and Safety acts eral and regulations fi e responsibility to use personal protective equipment and clothing as directed by the employer responsibility to report workplace hazards and dangers responsibility to work in a manner as required by the employer and use the prescribed safety equipment n and Employees have the following three basic rights: right to refuse unsafe work right to participate in the workplace health and safety activities through Joint Health and Safety Committee (JHSC) or as a worker health and safety representative right to know, or the right to be informed about actual and potential dangers in the workplace s What are the supervisor’s responsibilities? ons. o t- As a supervisor, he or she: i g must ensure that workers use prescribed protective equipment devices must advise workers of potential and actual hazards d must take every reasonable precaution in the circumstances for the protection of workers

225 210-242 14th printing 2013 4/10/13 11:13 AM Page 226

What are the employer’s responsibilities? Education Contacts An employer must: Council of Ministers of Education, A establish and maintain a Joint Health and Safety Committee, or cause workers Canada to select at least one health and safety representative www.cmec.ca take every reasonable precaution to ensure the workplace is safe Association of Canadian Community train employees about any potential hazards and in how to safely use, handle, Colleges store and dispose of hazardous substances and how to handle emergencies www.accc.ca/english/index.cfm supply personal protective equipment and ensure workers know how to use the equipment safely and properly Ministry/Department of Education Web Sites immediately report all critical injuries to the government department responsible for Occupational Health and Safety Alberta Education N appoint a competent supervisor who sets the standards for performance, www.education.alberta.ca and who ensures that safe working conditions are always observed British Columbia Ministry of Advanced Human Rights Information in Canada Education www.gov.bc.ca/aved Equitas, formerly the Canadian Human Rights Foundation, is a non-governmental organization (NGO) dedicated to the defence and promotion of human rights through British Columbia Ministry education, in Canada and around the world. Visit its web site (www.equitas.org) to get www.gov.bc.ca/bced information on programs, publications, and various activities. Manitoba Department of Advanced Under the Canadian Human Rights Act, it is against the law for any employer or Education and Literacy provider of a service that falls within federal jurisdiction to discriminate on the basis of: www.edu.gov.mb.ca/ael/ Race Manitoba Depart National or ethic origin www.edu.gov.mb.ca/edu/ Colour Religion New Brunswick Department of Age Education and Early Sex (including pregnancy and childbearing) Development Sexual Orientation www.gnb.ca/0000/index-e.asp Marital status New Brunswick Department of Post- Family status Secondary Education,Training and Physical or mental disability (including dependence on alcohol or drugs) Labour Pardoned criminal conviction www.gnb.ca/0105/index-e.asp The Canadian Human Rights Commission tries to resolve complaints of discrimination Newfoundland and Labrador Department filed against federally regulated employers, unions and service providers. If a complaint of Education cannot be resolved, the Commission may investigate the case further, and may www.gov.nl.ca/edu ultimately request that the Canadian Human Rights Tribunal hear the case.

Source: www.chrc-ccdp.ca

226 210-242 14th printing 2013 4/10/13 11:13 AM Page 227

Education Contacts Council of Ministers of Education, Association of Canadian Universities and orkers Canada Colleges www.cmec.ca www.aucc.ca/programs-services/

Association of Canadian Community Canadian Education Association handle, Colleges www.cea-ace.ca ncies www.accc.ca/english/index.cfm to use Ministry/Department of Education Web Sites

Alberta Education Northwest Territories Department of e, www.education.alberta.ca Education, Culture and Employment www.ece.gov.nt.ca/ British Columbia Ministry of Advanced Education Nova Scotia Department of Education www.gov.bc.ca/aved www.ednet.ns.ca ntal s through British Columbia Ministry of Education Nunavut Department of Education rg) to get www.gov.bc.ca/bced www.edu.gov.nu.ca/apps/ authoring/dspPage.aspx?page=home Manitoba Department of Advanced y r or Education and Literacy Ontario Ministry of Education basis of: www.edu.gov.mb.ca/ael/ www.edu.gov.on.ca

Manitoba Department of Education Ontario Ministry of Training, Colleges www.edu.gov.mb.ca/edu/ and Universities www.tcu.gov.on.ca/eng/ New Brunswick Department of Education and Early Childhood Prince Edward Island Department of Development Education and Early Childhood www.gnb.ca/0000/index-e.asp Development www.gov.pe.ca/education New Brunswick Department of Post- Secondary Education,Training and Ministère de l’Éducation, Loisir et Sport s Labour www.mels.gouv.qc.ca www.gnb.ca/0105/index-e.asp Saskatchewan Education mination Newfoundland and Labrador Department www.sasked.gov.sk.ca fi omplaint of Education y www.gov.nl.ca/edu Yukon Department of Education www.education.gov.yk.ca

227 210-242 14th printing 2013 4/10/13 11:13 AM Page 228

Credit Institute of Canada I BUSINESS ORGANIZATIONS AND LABOUR www.creditedu.org MARKET INFORMATION Federation of Canadian Municipalities www.fcm.ca

Some of the Major Industry Associations Federation of Law Societies of Canada www.flsc.ca Advocis, The Financial Advisors The Canadian Federation of Agriculture Association of Canada www.cfa-fca.ca Information Technology Association of www.advocis.ca Canada Canadian Federation of Independent www.itac.ca The Agricultural Institute of Canada Business www.aic.ca www.cfib.ca Institute of Canadian Bankers www.icb.org Association of Canadian Search, Canadian Healthcare Association Employment & Staffing Services www.cha.ca Insurance Bro www.acsess.org www.ibac.ca Canadian Manufacturers & Exporters Canadian Association of Importers and www.cme-mec.ca Canadian Skills A Exporters Canadian Skills Alliance www.importers.ca Canadian Medical Association 151 Slater Street, Suite 608 www.cma.ca Ottawa, Ontario K1P 5H3 Canadian Automobile Association Tel: (613) 565-3637 www.caa.ca Canadian Mental Health Association Fax: (613) 231-6853 www.cmha.ca Web Site: w Canadian Bankers Association www.cba.ca Canadian Real Estate Association TASC Members crea.ca Aboriginal Human Resource Council Canadian Bar Association (AHRC) www.cba.org Canadian Securities Institute 708 – 2nd Avenue North www.csi.ca Saskatoon, Saskatchewan S7K 2E1 Canadian Centre for Occupational Tel:(306) 956-5360 Health and Safety Canadian Society for International Health Fax: (306) 956-5361 www.ccohs.ca www.csih.org Web Site: w

Canadian Chamber of Commerce The Canadian Society for Professional Apparel Human Resources Council www.chamber.ca Engineers (AHRC) www.cspe.ca 6750 Avenue de l’, Suite 360 Canadian Council for International Montreal, Quebec H2V 4M1 Co-operation Canadian Teachers’ Federation Tel:(514) 388-7779 www.ccic.ca www.ctf-fce.ca Fax: (514) 388-6926 Web Site: w Canadian Dental Association Canadian Translators,Terminologists,and www.cda-adc.ca Interpreters Council cttic.org BioTalent Canada Canadian Education Association 1100 – 85 A www.cea-ace.ca The College of Family Physicians of Ottawa, Ontario K1P 6A4 Canada Tel:(613) 235-1402 www.cfpc.ca Fax: (613) 233-7541 228 Web Site: w 210-242 14th printing 2013 4/10/13 11:13 AM Page 229

Credit Institute of Canada Insurance Institute of Canada R www.creditedu.org www.iic-iac.org Federation of Canadian Municipalities The Investment Funds Institute of Canada www.fcm.ca www.ific.ca

Federation of Law Societies of Canada Investment Industry Regulatory www.flsc.ca Organization of Canada culture www.iiroc.ca/English/Pages/home.aspx Information Technology Association of Canada Medical Council of Canada dent www.itac.ca www.mcc.ca

fi Institute of Canadian Bankers Retail Council of Canada www.icb.org www.retailcouncil.org

Insurance Brokers Association of Canada Transportation Association of Canada www.ibac.ca www.tac-atc.ca ters Canadian Skills Alliance

Canadian Skills Alliance Canadian Agricultural Human Resource 151 Slater Street, Suite 608 Council (CAHRC) Ottawa, Ontario K1P 5H3 1283 Algoma Road, Suite 202 Tel: (613) 565-3637 Ottawa, Ontario K1B 3W7 on Fax: (613) 231-6853 Tel:(613) 745-7457 Web Site: www.councils.org Fax: (613) 745-0119 TASC Members Web Site: www.cahrc-ccrha.ca Aboriginal Human Resource Council Canadian Apprenticeship Forum (CAF) (AHRC) 116 Albert Street, Suite 812 708 – 2nd Avenue North Ottawa, Ontario K1P 5G3 Saskatoon, Saskatchewan S7K 2E1 Tel:(613) 235-4004 Tel:(306) 956-5360 Fax: (613) 235-7117 l Health Fax: (306) 956-5361 Web Site: www.caf-fca.org Web Site: www.aboriginalhr.ca Canadian A Canadian Council for Aviation & R s ional Apparel Human Resources Council Aerospace (CCAA) S (AHRC) 955 Green Valley Crescent, Suite 155 C 6750 Avenue de l’Esplanade, Suite 360 Ottawa, Ontario K2C 3V4 ( Montreal, Quebec H2V 4M1 Tel:(613) 727-8272 203–57 Auriga Tel:(514) 388-7779 Fax: (613) 727-7018 Drive Fax: (514) 388-6926 Web Site: www.avaerocouncil.ca Web Site: www.apparelconnexion.com/ sts, and home.php Canadian Council of Professional Fish Harvesters (CCPFH) BioTalent Canada 712 – 1 Nicholas Street 1100 – 85 Albert Street Ottawa, Ontario K1N 7B7 s of Ottawa, Ontario K1P 6A4 Tel:(613) 235-3474 Tel:(613) 235-1402 Fax: (613) 231-4313 Fax: (613) 233-7541 Web Site: www.ccpfh-ccpp.org Web Site: www.biotalent.ca 229 210-242 14th printing 2013 4/10/13 11:13 AM Page 230

Canadian Steel Trade and Employment ECO Canada (Environmental Careers Motor Carrier Passenger Council of Congress Organization of Canada) Canada (MCPCC) profit Sector 234 Eglinton Avenue East, Suite 800 Suite 200, 308 – 11th Ave. SE 306 – 9555 Yonge Street et Toronto, Ontario M4P 1K7 Calgary, Alberta T2G 0Y2 Richmond Hill, Ontario L4C 9M5 E5 Tel:(416) 480-1797 Tel:(403) 233-0748 Tel:(905) 884-7782 Fax: (416) 480-2986 Fax: (403) 269-9544 Fax: (905) 884-8335 Web Site: www.cstec.ca/index.asp Web Site: www.eco.ca Web Site: w ca Canadian Supply Chain Sector Council Electricity Human Resources Canada Petroleum Human Resources Council of Council (CSCSC) 130 Slater Street, Suite 600 Canada (PHRCC) Tel:(905) 897-6700 Ottawa, Ontario K1P 6E2 5055–11 Street NE Suite 500 Web Site: www.supplychaincanada.org Tel:(613) 235-5540 Calgary,Alberta T2E 8N4 G3 Fax: (613) 235-6922 Tel:(403) 516-8100 Canadian Tourism Human Resource Web Site: www.electricityhr.ca Fax: (403) 516-8171 Council (CTHRC) Web Site: w org 151 Slater Street, Suite 608 Excellence in Manufacturing Consortium Ottawa, Ontario K1P 5H3 Tel:1-866-323-4362 Tel:(613) 231-6949 Web Site: www.emccanada.org TASC Associate Members Fax: (613) 231-6853 Asia-Pacific Gateway Skills Table Web Site: www.cthrc.ca Food Processing HR Council 15 Gore Avenue 2008 – 2249 Carling Ave. Vancouver, British Columbia V6A 2Y8 Canadian Trucking Human Resources Ottawa, Ontario K2B 7E9 Tel: (604) 684-1471 Council (CTHRC) Tel: (613) 237-7988 Web Site: w 720 Belfast Road, Suite 203 Fax: (613) 237-9939 Ottawa, Ontario K1G 0Z5 Web Site: www.fphrc.ca Association of Canadian Community Tel:(613) 244-4800 Colleges (AC Fax: (613) 244-4535 Forum for International Trade Training (FITT) 1 Rideau Street, Suite 701 Web Site: www.cthrc.com 116 Lisgar Street, Suite 300 Ottawa, Ontario K1N 8S7 Ottawa, Ontario K2P 0C2 Tel:(613) 746-2222 Construction Sector Council (CSC) Tel: (613) 230-3553 Fax: (613) 746-6721 220 Laurier Ave West, Suite 1150 Fax: (613) 230-6808 Web Site: w Ottawa, Ontario K1P 5Z9 Web Site: www.fitt.ca Tel: (613) 569-5552 Canadian Council of T Technologists (CCTT) Fax: (613) 569-1220 Information and Communications 400-14 Concourse Gate Web Site: www.csc-ca.org Technology Council (ICTC) Ottawa Ontario K2E 7S6 116 Lisgar Street, Suite 300 Tel:(613) 238-8123 Cultural Human Resources Council (CHRC) Ottawa, Ontario K2P 0C2 Fax: (613) 238-8822 17 York Street, Suite 201 Tel:(613) 237-8551 Web Site: w Ottawa, Ontario K1N 9J6 Fax: (613) 230-3490 Tel: (613) 562-1535 Web Site: www.ictc-ctic.ca Engineers Canada Fax: (613) 562-2982 180 Elgin Stre Web Site: www.culturalhrc.ca Mining Industry Human Resources Ottawa, Ontario K2P 2K3 Council (MiHR) Tel:(613) 232-2474 260 Hearst Way, Suite 401 Fax: (613) 230-5759 Kanata, Ontario K2L 3H1 Web Site: w Tel:(613) 270-9696 Fax: (613) 270-9399 Web Site: www.mihr.ca 230 210-242 14th printing 2013 4/10/13 11:13 AM Page 231

eers Motor Carrier Passenger Council of Police and Security Skills Collaborative – Canada (MCPCC) PSC 306 – 9555 Yonge Street 303–1545 Carling Ave. Richmond Hill, Ontario L4C 9M5 Ottawa, Ontario K1Z 8P9 Tel:(905) 884-7782 Tel: (613) 729-2789 Fax: (905) 884-8335 Fax: (613) 729-9691 Web Site: www.buscouncil.ca Web Site: www.policecouncil.ca a ada Petroleum Human Resources Council of Wood Manufacturing Council (WMC) Canada (PHRCC) 130 Albert Street, Suite 1016 5055–11 Street NE Ottawa, Ontario K1P 5G4 Calgary,Alberta T2E 8N4 Tel:(613) 567-5511 Tel:(403) 516-8100 Fax: (613) 567-5411 Fax: (403) 516-8171 Web Site: www.wmc-cfb.ca Web Site: www.petrohrsc.ca nsortium TASC Associate Members Asia-Pacific Gateway Skills Table Installation, Maintenance and Repair 15 Gore Avenue Sector Council and Trade Association Vancouver, British Columbia V6A 2Y8 180 Attwell Drive, Suite 300 Tel: (604) 684-1471 Toronto, Ontario M9W 6A9 Web Site: www.apgst.ca Tel:(905) 602-8877 Fax: (416) 679-9234 Association of Canadian Community Web Site: www.imrsectorcouncil.ca Colleges (ACCC) National Association of Career Colleges ng (FITT) 1 Rideau Street, Suite 701 Ottawa, Ontario K1N 8S7 (NACC) Tel:(613) 746-2222 442 Grey Street, Unit G Fax: (613) 746-6721 Brantford, Ontario N35 7N3 Web Site: www.accc.ca Tel: (519) 753-8689 Fax: (519) 753-4712 Canadian Council of Technicians and Web Site: www.nacc.ca/ Technologists (CCTT) 400-14 Concourse Gate Polytechnics Canada Ottawa Ontario K2E 7S6 1410–130 Albert Street Tel:(613) 238-8123 Ottawa, Ontario K1P 5G4 Fax: (613) 238-8822 Tel:(613) 688-0899 Web Site: www.cctt.ca Web Site: www.polytechnicscanada.ca/

Engineers Canada 180 Elgin Street, Suite 1100 s Ottawa, Ontario K2P 2K3 Tel:(613) 232-2474 Fax: (613) 230-5759 Web Site: www.engineerscanada.ca

231 210-242 14th printing 2013 4/10/13 11:13 AM Page 232

Minimum Wage Levels in Canada Some Magazines of Interest to Newcomers Current and Forthcoming Minimum Hourly Wage Rates for Experienced Adult Canadian Immigrant Magazine Canadian Newcomer Magazine Workers in CANADA www.canadianimmigrant.ca/aboutci www.cnmag.ca Jurisdiction Effective Date Wage Rate

Federal Canada’s National Anthem Alberta 01-Sep-2012 $9.75 British Columbia 01-May-2012 $10.25 O Canada! Manitoba 01-Oct-2012 $10.25 O Canada! New Brunswick 01-Apr-2012 $10.00 Our home and native land! Newfoundland and Labrador 01-Jul-2010 $10.00 True patriot love in all thy sons command. Northwest Territories 01-Apr-2011 $10.00 Nova Scotia With glowing hearts we see thee rise, Nunavut 01-Jan-2011 $11.00 The True North strong and free! Ontario 3 From far and wide, Prince Edward O Canada, we stand on guard for thee. Quebec 01-May-2012 $9.90 God keep our land glorious and free! Quebec 0 O Canada, we stand on guard for thee. Saskatchewan 01-Sep-2011 $9.50 Yukon

1. In most jurisdictions, these rates also apply to young workers. More information is av The Oath of Citizenship “Curr and Specific Occupations.” I swear (or affirm) 2. The fe That I will be faithful authority by virtue of the Constitution, such as international and interprovincial And bear true allegiance transport 3. There is a special minimum wage rate for inexperienced employees. See “Current To Her Majesty Queen Elizabeth the Second and Fo Queen of Canada Occupations.” 4. The minimu Her Heirs and Successors jurisdiction is the general adult minimum rate of the province or territory where And that I will faithfully observe the employ The laws of Canada 5. On A annu And fulfill my duties as a Canadian Citizen of W

Source: Human Resourc

Canada’s Unemployment Rate The unemployment rate in 2012 was 7.2%. For updated information on current employment rates visit Statistics Canada at w

232 210-242 14th printing 2013 4/10/13 11:14 AM Page 233

Minimum Wage Levels in Canada

Current and Forthcoming Minimum Hourly Wage Rates for Experienced Adult 1 Workers in CANADA Jurisdiction Effective Date Wage Rate

Federal2,4 18-Dec-1996 Alberta 01-Sep-2012 $9.75 British Columbia 01-May-2012 $10.25 Manitoba 01-Oct-2012 $10.25 New Brunswick 01-Apr-2012 $10.00 Newfoundland and Labrador 01-Jul-2010 $10.00 Northwest Territories 01-Apr-2011 $10.00 Nova Scotia3 01-Apr-2013 $10.30 Nunavut 01-Jan-2011 $11.00 Ontario 31-Mar-2010 $10.25 Prince Edward Island 01-Apr-2012 $10.00 Quebec 01-May-2012 $9.90 Quebec 01-May-2013 $10.15 Saskatchewan 01-Sep-2011 $9.50 Yukon5 01-May-2012 $10.30

1. In most jurisdictions, these rates also apply to young workers. More information is available on special rates for young workers and specific occupations under “Current and Forthcoming Minimum Wage Rates in Canada for Young Workers and Specific Occupations.” 2. The federal jurisdiction includes labour market sectors coming under federal authority by virtue of the Constitution, such as international and interprovincial transportation, telecommunication and banking. 3. There is a special minimum wage rate for inexperienced employees. See “Current and Forthcoming Minimum Wage Rates in Canada for Young Workers and Specific Occupations.” 4. The minimum wage rate applicable in regard to employees under federal jurisdiction is the general adult minimum rate of the province or territory where the employee is usually employed. 5. On April 1 of each year, this rate increases by an amount corresponding to the annual increase for the preceding year in the Consumer Price Index for the city of Whitehorse.

Source: Human Resources and Skills Development Canada (HRSDC)

Canada’s Unemployment Rate The unemployment rate in 2012 was 7.2%. For updated information on current employment rates visit Statistics Canada at www.statcan.gc.ca/.

233 210-242 14th printing 2013 4/10/13 11:14 AM Page 234

Common Sections in a Business Plan SMALL BUSINESS AND ENTREPRENEURSHIP The first two sections should appear at the beginning of your plan. It is not as critical that the others follow in the order given, but this sequence will likely work well. The Characteristics of an Entrepreneur Executive Summary This is by far the most important part of your plan. It should be no more than two Entrepreneurs are different from each other, but successful entrepreneurs tend to pages in length, or less. State the idea, the opportunity, how much money you need, share certain characteristics. Not all of them have developed each of the following where you hope to get it, how it will be spent, and how you will pay it back. Readers attributes to the same degree, but they tend to have developed most of them to some who are interested may then go on to read the rest of your plan. Be warned, if your degree. Here are some common characteristics of successful entrepreneurs. executive summary is more than three pages long, it will likely not be read. Entrepreneurs tend to: Your Planned Venture be passionate about achieving their goals Describe your idea as clearly as possible, with diagrams, photographs or any other medium necessary to communicate it to the reader. Back up the idea with a have a spirit of adventure (in fact, the word “adventure” is derived from the description of the target market, tell why the opportunity exists, and why your idea Latin word meaning “to venture”) will capture that market. have a strong need to achieve and seek personal accomplishment be self-confident and self-reliant Market Research be goal-oriented Explain how you determined the product or service was appropriate to the market. Include explanations of the “ be innovative, creative, and versatile be persistent Background and History be hardworking and energetic Tell who you are, what experience and skills you bring to this venture, and whether or have a positive attitude not you’ve run your own businesses in the past. Describe and explain their successes or failure be willing to take initiative have a strong sense of commitment Manag Provide the names, and short bios of the people you will use to fill the key positions Source: Mentors,Ventures and Plans web site (CFEE) – www.mvp.cfee.org in the business. Start-up Plan Government Programs/Key Organizations Helping Tell when and where New Entrepreneurs frame and location. Operational Plan BeYourOwnBoss.org Canada Youth Business Foundation Describe, www.beyourownboss.org www.cybf.ca service areas if appropriate. Biz Bound Business Owners’ Idea Café Marketing Plan www.bizbound.com www.businessownersideacafe.com Describe, in detail, how you will attract customers or clients and how you will deliver your product or service to them. Business Development Bank of Canada Mentors,Ventures and Plans www.bdc.ca www.mvp.cfee.org Financial Plan Provide a detailed financial plan, including a cash-flow projection, that accounts for the Business Start-Up Assistant Self Employment on Mazemaster money y bsa.cbsc.org www.mazemaster.on.ca investors. Appendix Include yo market research and any other information that is too detailed to be included in the body of the plan.

Source: Mentors,Ventures and Plans web site (CFEE) – w 234 210-242 14th printing 2013 4/10/13 11:14 AM Page 235

Common Sections in a Business Plan IP The first two sections should appear at the beginning of your plan. It is not as critical that the others follow in the order given, but this sequence will likely work well. Executive Summary This is by far the most important part of your plan. It should be no more than two d to pages in length, or less. State the idea, the opportunity, how much money you need, owing where you hope to get it, how it will be spent, and how you will pay it back. Readers m to some who are interested may then go on to read the rest of your plan. Be warned, if your executive summary is more than three pages long, it will likely not be read. Your Planned Venture Describe your idea as clearly as possible, with diagrams, photographs or any other medium necessary to communicate it to the reader. Back up the idea with a m the description of the target market, tell why the opportunity exists, and why your idea will capture that market.

fi Market Research Explain how you determined the product or service was appropriate to the market. Include explanations of the “four Ps” (price, product, promotion, placement). Background and History Tell who you are, what experience and skills you bring to this venture, and whether or not you’ve run your own businesses in the past. Describe and explain their successes or failures. Include your own, short, biography here. Management Team Provide the names, and short bios of the people you will use to fill the key positions in the business. Start-up Plan ping Tell when and where you plan to start the business and why you chose this time frame and location. Operational Plan n Describe, in detail, how your business will operate. Include diagrams of production or service areas if appropriate. Marketing Plan Describe, in detail, how you will attract customers or clients and how you will deliver your product or service to them. Financial Plan Provide a detailed financial plan, including a cash-flow projection, that accounts for the money you will need (borrow) and the repayment plan and return on investment to investors. Appendix Include your own and your team’s detailed biographies here as well as additional market research and any other information that is too detailed to be included in the body of the plan.

Source: Mentors,Ventures and Plans web site (CFEE) – www.mvp.cfee.org 235 210-242 14th printing 2013 4/10/13 11:14 AM Page 236

PERSONAL FINANCE,TAXATION, BANKING, Key Financial Associations AND INVESTMENT Canadian Life and Health Insurance Association Inc. 1 Queen Street East, Suite 1700 Links to Financial Some Companies Where Toronto, Ontario Institutions and Planners You Can Invest M5C 2X9 Tel:(416) 777-2221 da Banks in Canada CIBC Wood Gundy Fax: (416) 777-1895 help www.cba.ca/index.php?option=com_ Tel:1-866-271-9393 Web Site: w fi ed content&view=category&id=61% Email: [email protected] 3Abanks-operating-in-canada& Canadian Bankers Association Itemid=54&lang=en Investors Group Box 348 The banking industry includes 24 domes- Tel: 1-888-746-6344; Commerce Court West tic banks, 25 foreign bank subsidiaries and In Québec: 1-800-661-4578 199 Bay 24 full-service foreign bank branches and Contact Form: Toronto, Ontario m five foreign bank lending branches oper- www.investorsgroup.com/english/ M5L 1G2 ating in Canada. contactUs/default.asp Tel:(800) 263-0231 or (416) 362-6093 Fax: (416) 362-7705 Financial Sector Scotia iTrade Web Site: w www.osfi-bsif.gc.ca/osfi/index_e.aspx? Tel:1-888-872-3388 DetailID=568 E-mail: [email protected] Canadian Securities Institute The Office of the Superintendent of 200 Wellington Stre Financial Institutions’ web site provides Royal Bank Action Direct Toronto, Ontario links to Canada’s banks, trust companies, Tel: 1-800-769-2560 M5V 3C7 and Credit Union Centrals. Contact Form: Tel:416-364-9130 or (866) 866-2601 www.rbcdirectinvesting.com Fax: (866) 866-2660 Credit Unions/Caisses Populaires Web Site: w www.fcac-acfc.gc.ca/eng/links-eng.asp TD Waterhouse Financial Consumer A #credit Tel:1-800-465-5463 427 Laurier Avenue West, 6th Floor This Financial Consumer Agency of E-mail: [email protected] Ottawa ON K Canada web site provides links to the Tel: 1-866-461-FCA nine provincial Credit Union Centrals BMO InvestorLine Fax: 1-866-814-2224 and three Federations of caisses Tel: 1-888-776-6886 Web Site: w populaires. E-mail: [email protected]

Investment Funds Industry HSBC InvestDirect Financial Planners Standards Council www.ific.ca/Home/HomePage.aspx Tel:1-866-865-4722 902 – 375 University Avenue The Investment Funds Institute of Canada E-mail: [email protected] Toronto, (IFIC) speaks for Canada’s investment M5G 2J5 funds industry, including fund managers, Tel:(416) 593-8587 distributors, and industry service organi- Toll Free: 1-800-305-9886 zations. IFIC’s strategy focuses on four Fax: (416) 593-6903 key areas: representation and advocacy; Web Site: w member services; public awareness; and education.

236 210-242 14th printing 2013 4/10/13 11:14 AM Page 237

Securities Regulators in G, Key Financial Associations Canada Canadian Life and Health Insurance Mutual Fund Dealers Association Inc. Association of Canada Alberta 1 Queen Street East, Suite 1700 121 King Street West, Suite 1000 Alberta Securities Commission Where Toronto, Ontario Toronto, Ontario Ste. 600–250, 5th Street SW M5C 2X9 M5H 3T9 Calgary,AB T2P OR4 Tel:(416) 777-2221 Tel:(416) 361-6332 or 1-888-466-6332 Tel:(403) 297-6454 Fax: (416) 777-1895 Web Site: www.mfda.ca Fax: (403) 297-6156 Web Site: www.clhia.ca E-mail: [email protected] Investor Education Fund British Columbia Canadian Bankers Association 20 Queen Street West, Suite 1907, Box 32 Box 348 Toronto, Ontario British Columbia Securities Commission Commerce Court West M5H 3S8 701 West , 12th Floor 199 Bay Street, 30th Floor Fax: 416-309-4491 P.O. Box 10142, Pacific Centre Toronto, Ontario Web Site: www.GetSmarterAboutMoney.ca Vancouver, BC V7Y 1L2 M5L 1G2 Tel:(604) 899-6500 Tel:(800) 263-0231 or (416) 362-6093 The Investment Funds Institute of Fax: (604) 899-6506 Fax: (416) 362-7705 Canada Toll free (BC & AB): 1-800-373-6393 Web Site: www.cba.ca 11 King Street West, 4th Floor E-mail: [email protected] Toronto, Ontario Manitoba Canadian Securities Institute M5H 4C7 Manitoba Securities Commission 200 Wellington Street West, 15th Floor, Tel: (416) 363-2150 500-400 St. Mary Ave. Toronto, Ontario Toll Free: 1 (866) 347-1961 Winnipeg, MB R3C 4K5 M5V 3C7 Fax: (416) 861-9937 Tel:(204) 945-2548 Tel:416-364-9130 or (866) 866-2601 Web Site: www.ific.ca/ Fax: (204) 945-0330 Fax: (866) 866-2660 E-mail: [email protected] Web Site: www.csi.ca Credit Union Central of Canada 151 Yonge St., Suite 1000 New Brunsw Toronto, Ontario Financial Consumer Agency of Canada Securities Administration Branch 427 Laurier Avenue West, 6th Floor M5C 2W7 85 Charlotte Stre Ottawa ON K1R 1B9 Tel:(416) 232-1262 Saint John, NB E2L 2J2 Tel: 1-866-461-FCAC (3222) Toll Free: 1 (888) 367-1386 Tel:(506) 658-3060 Fax: 1-866-814-2224 Web Site: www.cucentral.ca/ Fax: (506) 658-3059 Web Site: www.fcac-acfc.gc.ca/eng/ om E-mail: [email protected] index-eng.asp Advocis,The Financial Advisors Association of Canada Newfoundland and Labrador Financial Planners Standards Council 390 Queens Quay West, Suite 209 Department of Government Services 902 – 375 University Avenue Toronto, Ontario Consumer & Commercial Affairs Branch Toronto, Ontario M5V 3A2 2nd Floor, M5G 2J5 Tel:(416) 444-5251 P.O. Box 8700 Tel:(416) 593-8587 Toll Free: 1-800-563-5822 St. John’s, NF A1B 4J6 Toll Free: 1-800-305-9886 Fax: (416) 444-8031 Tel:(709) 729-4189 Fax: (416) 593-6903 Web Site: www.advocis.ca Fax: (709) 729-6187 Web Site: www.fpsccanada.org E-mail: [email protected]

237 210-242 14th printing 2013 4/10/13 11:14 AM Page 238

Sources of Help if You Are Getting into Common Expenses in a Budget Money Trouble Income Canadian Bankers Association Salary “Resolving problems with your Bank.” Bonuses This site can help if you run into a problem with your bank. Contracts www.cba.ca/en/component/content/category/44-resolving-problems-with-your-bank Interest Income Tax refund The Canadian Bar Association (BC) Other Income “When you can’t pay your debts.” If you run into problems paying your debts, you can find help at this web site. Regular Expenses www.cba.org/bc/public_media/credit/253.aspx Mortgage/Rent Property Tax CanadaBenefits.gc.ca Utilities (Gas,Water, Electricity) Connects you to government benefits. Cable TV Telephone/Internet Credit Canada: Debt Solutions Car payments Suite 810 – 45 Sheppard Avenue East,Toronto, ON M2N 5W9 Gasoline/Oil Tel:(416) 228-3328 | Fax: (416) 228-1164 Other Transportation Toll Free: 1-800-267-2272 Insurance (Auto, Life) E-mail: [email protected] Entertainment/Recreation Web Site: www.creditcanada.com Food (Gro Medical/Dental Credit Counselling Canada 401 Bay Street, Suite 1600, Toronto ON M5H 2Y4 Tel:1-866-398-5999 | Fax: 416-929-5256 Average Home Prices across Canada Email: [email protected] Web Site: www.creditcounsellingcanada.ca/ January 2013 For more locations across Canada: www.creditcounsellingcanada.ca/ Halifax-Dartmouth ...... $291,000 WeCanHelp/FindaCounsellorNearYou/tabid/67/Default.aspx Ottawa ...... $343,000 Greater T Canada Mortgage and Housing Corporation Winnipeg ...... $249,000 www.cmhc-schl.gc.ca This site can help you with your mortgage questions and issues. Regina . Calgary Gamblers Anonymous Edmonton . If you think you may have a gambling problem, Gamblers Anonymous may be able ...... $749,000 to help. www.gamblersanonymous.org Source:The Canadian Real Estate A

Office of the Superintendent of Bankruptcy Canada This site can help those who are facing bankruptcy. www.ic.gc.ca/eic/site/bsf-osb.nsf/eng/home

Veterans Affairs Canada Offers help to Canadian veterans. www.veterans.gc.ca/ Call 1-866-522-2122 238 210-242 14th printing 2013 4/10/13 11:14 AM Page 239

Common Expenses in a Budget Common Expenses in a Budget Income Income Irregular Expenses Salary Salary Home Repairs/Maintenance Bonuses Bonuses Auto Repairs/Maintenance Contracts Contracts Clothing Interest ur-bank Interest Gifts/Charitable Donations Income Tax refund Income Tax refund Vacation/Holiday Other Income Other Income Savings, Loan Expenses, Regular Expenses fi te. Regular Expenses and Contributions Mortgage/Rent Mortgage/Rent Regular savings Property Tax Property Tax Loan/debt payments Utilities (Gas,Water, Electricity) fi Utilities (Gas,Water, Electricity) RSP Cable TV Cable TV Education Fund Telephone/Internet Telephone/Internet Other Car payments Car payments Gasoline/Oil Gasoline/Oil Other Transportation Other Transportation Insurance (Auto, Life) Insurance (Auto, Life) Entertainment/Recreation Entertainment/Recreation Food (Groceries, Eating Out) Food (Groceries, Eating Out) Medical/Dental Medical/Dental

Average Home Prices across Canada January 2013 Halifax-Dartmouth ...... $291,000 Ottawa ...... $343,000 Greater Toronto ...... $483,000 Winnipeg ...... $249,000 Regina ...... $300,000 Calgary ...... $419,000 Edmonton ...... $324,000 e able Greater Vancouver ...... $749,000

Source:The Canadian Real Estate Association (CREA)

239 210-242 14th printing 2013 4/10/13 11:14 AM Page 240

Provincial Sales Tax Rates in Canada Goods and Provincial Harmonized Services Tax Sales Tax Sales Tax Province (GST) (PST) (HST)

Alberta 5% — — British Columbia 5% 7% 12% Manitoba 5% 7% — New Brunswick — — 13% Newfoundland & Labrador — — 13% Northwest Territories 5% — — Nova Scotia — — 15% Nunavut 5% — — Ontario — — 13% Prince Edward Island 5% 10% — Quebec 5% 9.975% — Saskatchewan 5% 5% — Yukon 5% — —

Source:Taxtips.ca—Canadian Tax and Financial Information, 2013. www.taxtips.ca/salestaxes/sales-tax-rates-2013.htm

Contact Information for Canada’s Major Political Parties Bloc Québécois 3730, boul. Crémazie est, bureau 502 National Office Montréal, Québec H2A 1B4 81 Metcalfe St., Suite 600 Tél: (514) 526-3000 Ottawa, Ontario K1P 6M8 Téléc.: (514) 526-2868 Tel: (613) 237-0740 Web Site: Fax: (613) 235-7208 www.blocquebecois.org/joindre.aspx Web Site: www.liberal.ca/contact/

Conservative Party of Canada New Democratic Party of Canada #1204 – 130 Albert Street Federal Office Ottawa, Ontario K1P 5G4 300 – 279 Laurier West Toll free: (866) 808-8407 Ottawa, Ontario K1P 5J9 Tel: (613) 755-2000 Tel: (613) 236-3613 Fax: (613) 755-2001 Fax: (613) 230-9950 Web Site: Web Site: www.ndp.ca/contact www.conservative.ca/?page_id=72

240 210-242 14th printing 2013 4/10/13 11:14 AM Page 241

nized s Tax T)

— % — % % — % — % — — — —

t/

Canada 210-242 14th printing 2013 4/10/13 11:14 AM Page 242

We hope this DayPlanner has been useful to you. If you would like any additional copies, or if CFEE can help in other way, please contact us.

Canadian Foundation for Economic Education 110 Eglinton Avenue West, Suite 201 Toronto, Ontario M4R 1A3 Tel: 416-968-2236 Toll free: 1 (888) 570-7610 Fax: 416-968-0488 Email [email protected] Web site: www.cfee.org

The Kia team will be pleased to help you as you build a new future in Canada—and with all your driving needs.

To find a member of our team near you, please visit: www.kia.ca

2013 Rio5 SX 14th print 2013 English cover 4/10/13 11:21 AM Page 4 RGA O NEWCOMERS FOR PROGRAM

INSIDE BACK cover 14th print 2013 English cover 4/10/13 11:20 AM Page 2

Our publications are a click away!

CANADA Visit cic.gc.ca/publications for online and e-book versions of TO WELCOME Discover Canada, Welcome to Canada and other publications.

OUTSIDE Back cover