Which are Canada's biggest telecommunication and retail companies?

Q. I am researching these industries but I've never been to Canada and don't quite have the feel for the country's economy yet.

A. Canadian Financial & Insurance Companies

.
AGF Management Limited (TSX: AGF.B) � Wealth management, mutual funds.
Brookfield Asset Management Inc. (TSX: BAM.A) � Owns Brookfield Properties.
Bank of Montreal (TSX: BMO) � One of top 5 banks.
Bank of Nova Scotia (TSX: BNS) � One of top 3 banks.
CI Financial Corp. (TSX: CIX) � Wealth management, mutual funds.
Canadian Imperial Bank Of Commerce (TSX: CM) � One of top 5 banks.
Canadian Western Bank (TSX: CWB) � A smaller bank.
Dundee Corporation (TSX: DC.A) � Asset management.
Fairfax Financial Holdings Limited (TSX: FFH) � Diversified financial services.
Great-West
Lifeco Inc. (TSX: GWO) � Life insurance.
Home Capital Group Inc. (TSX: HCG) � Diversified financial products and services.
Industrial Alliance Insurance and Financial Services Inc. (TSX: IAG) -
Intact Financial Corporation (TSX: IFC) � Property and casualty insurance.
IGM Financial Inc. (TSX: IGM) � Manager, distributor of mutual funds.
Laurentian Bank of Canada (TSX: LB) � Smaller, Quebec-based, Canada-wide.
Manulife Financial Corporation (TSX: MFC) � Life insurance.
National Bank of Canada (TSX: NA) � 6th largest bank.
ONEX Corporation (TSX: OCX) � private equity investment firm.
Power Corporation of Canada (TSX: POW) � Owns Power Financial.
Power Financial Corporation (TSX: PWF) � Diversified management and holding company.
Royal Bank of Canada (TSX: RY) � One of top 2 banks.
Sun Life Financial Inc. (TSX: SLF) � Life insurance.
Toronto-Dominion Bank (TSX: TD) � One of top 2 banks.
Thomson Reuters Corporation (TSX: TRI) � Diversified information services.
TMX Group Inc. (TSX: X) � Toronto Stock Exchange.

Original Question

how can I proof my work experience as self employee doctor?

Q. I want to show my work experience to immigration office of Canada.I have worked in my own office for several years.How can I proof that?

A. THis is something yo should have a lawyer help you with.

If you have worked through a CPA they could also help you.

If you accepted insurance payment s you could show immigration your payment history from the insurance companies

You could provide your own insurance for liability and property/casualty.

Have they asked for your tax returns

Talk to a lawyer

Original Question

Can I lease a car in the USA and insure in Canada?

Q. I'm on a work VISA from Canada in New York. I travel from Montreal to New York often.

I want to lease a new BMW in New York/New Jersey. Can I register and insure in Montreal, Canada?
What if my intentions are to stay in the US and my insurance company in Canada offers me a better rate even with the international insurance package. Is there any way I can benefit from the US auto prices and Canadian insurance rates?

A. No, of course not. Since you would not be returning it to the US, the car would have to be imported legally into Canada. The leasing company would lose control, so they would not allow it. Plus, you are not the owner of the property in question to start with. Not only that, a leasing company in New York would not be licenced to collect Quebec sales taxes.

Edit:
You are resident in New York, not Montreal. You are travelling to Montreal, not moving. Your insurance is based on where both you and the car live. If you move to Montreal, you may be able to have the lease transferred to Montreal, assuming the model is compliant with Canadian standards, and is eligible for import, AT THE DISCRETION OF THE LEGAL OWNER, but if your job is in New York, you cannot register and insure in Montreal because you do not live there, period.
And if it were possible, you would have to pay all the taxes and duties up front, anyway.
You are trying to have your cake and eat it too, but it just doesn't work that way.

Original Question

What is the law if someone hits a flashing fire truck?

Q. The fire truck is responding to a call, it is flashing and giving warning siren passing through an intersection and someone hits it at the intersection.

I want to know what all legal action/penalties someone will face.
In US or Canada.

A. Charges - Failure to yield to an emergency vehicle.
Penalties - Damages to the fire truck, damages to any public property. In extreme cases, you can be sued by insurance companies for holding up the fire truck.

Original Question

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Is it legal to charge a higher rent for students vs. non students for the same rental property in Canada?

Q. My 1st rental property, having prospective tenants view the property now. Because the insurance rate for the house is 3 times higher if I rent to students (they are classified as high risk) I want to charge more to students in order to cover the additional cost to me. I would charge $100 less/month to any tenant who is not a student. Legal or not? Thanks
What if I already advertised on Kijiji at two different rates in 2 seperate ads?

A. Do you have rent control laws in your area? If not, you can charge whatever the traffic will
pay. Check with local authorities for any laws involved.

Original Question

What is the best pet insurance available for a Pomeranian puppy?

Q. There are many companies out there and although they don't appear to be true "insurance", I wondered what other people's experiences have been.

A. First I should mention that I am in Canada. My insurance company doesn't serve the US to my knowledge. I have petplan insurance. You can check them out just for comparison at www.petplan.ca. They are a true insurance company, underwritten by Securican General Insurance (who also offer insurance for everything else we get insured). We pay a high price for our two large dogs, but I know that with my family, should they ever be injured we would spend every penny we have to get them healthy. This way we pay a fairly high price each month, but we never have to question whether we should take them to the vet if they are even slightly sick or injured.

The company we have also covers property damage and injuries that your dog might cause to other people. It protects us in the event one of the dogs ever bit someone etc. It provides money should the dog ever be lost or stolen, and even includes a death benefit if the dog dies.

For information on the best companies in your state or country, I suggest asking your local kennel clubs and vet's office. Both will usually have information, and sometimes can offer discounts for club members. Join asap though if you're going to. Many insurers will charge more for an older dog.

Original Question

Italian Citizen in canada going to Bahamas returning back to Canada?

Q. Hello,

My cousin is an Italian citizen and is a visitor right now in Canada and we are planning to take a vacation to the Bahamas. Does my italian cousin need any special permission on going to the Bahamas or retuning back to canada from the Bahamas?

A. Italy is a visa-exempt country for visiting Canada. Provided he only remains in Canada for 180 days each year, he is free to visit Canada, leave, and then come back. He will need his passport to return to Canada.

All entry into Canada by non-citizens are at the discression of Canadian Border Services. In rare cases CBS may require visitors to provide proof of finances, travel medical insurance, proof they will leave Canada at the end of the 180 days (employment, family ties, school, property, etc. in their home country), etc. However, this is rare.

Original Question

What are the requirements in renting an apartment?

Q. I will be moving to Canada and settling alone renting an apartment. I just want to ask how renting works. I am a young adult. Sorry for some of my dumb questions. Do the owner of the apt accept cash or just cheque? Do I need to go to the bank and ask for evaluation for my salary earnings ? Do they do contracts like a year contract or can I leave whenever I want to as long as I pay the whole rent amount (if ever i would want to transfer) ?

A. You can't just move to Canada. For the sake of the rest of the question... I would assume you are a Canadian citizen, permanent resident, or have a valid work or study permit. Otherwise, you'll find living in Canada rather difficult.

There are not hard rules for renting. It depends on what you are renting and from who. Most larger apartments are run by property management companies and will require provincial ID (i.e. your provincial driver's license or a provincial ID card). Most will also run a credit check on you -- which you'll likely fail if you don't have a credit history in Canada. Some may require references. If you try to pay cash... many property managers will have a problem with this. It just isn't safe carrying large amounts of money. No one will accept a check from a non-Canadian bank.

Room rentals, splitting an apartment with someone, rural/poorer neighbourhoods, etc. might not require the credit check or sometimes not even references but... they will typically require Canadian ID.

Vacation rentals, time shares, apartment/condo swaps, and/or house sitting ads might accept credit cards (depending upon who is managing the agreement).

You require proof of legal residency to obtain provincial ID, to open a bank account, to obtain a social insurance number (i.e. work), to attend school, etc.

Original Question

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Which are Canada's biggest telecommunication and retail companies?

Q. I am researching these industries but I've never been to Canada and don't quite have the feel for the country's economy yet.

A. Canadian Financial & Insurance Companies

.
AGF Management Limited (TSX: AGF.B) � Wealth management, mutual funds.
Brookfield Asset Management Inc. (TSX: BAM.A) � Owns Brookfield Properties.
Bank of Montreal (TSX: BMO) � One of top 5 banks.
Bank of Nova Scotia (TSX: BNS) � One of top 3 banks.
CI Financial Corp. (TSX: CIX) � Wealth management, mutual funds.
Canadian Imperial Bank Of Commerce (TSX: CM) � One of top 5 banks.
Canadian Western Bank (TSX: CWB) � A smaller bank.
Dundee Corporation (TSX: DC.A) � Asset management.
Fairfax Financial Holdings Limited (TSX: FFH) � Diversified financial services.
Great-West
Lifeco Inc. (TSX: GWO) � Life insurance.
Home Capital Group Inc. (TSX: HCG) � Diversified financial products and services.
Industrial Alliance Insurance and Financial Services Inc. (TSX: IAG) -
Intact Financial Corporation (TSX: IFC) � Property and casualty insurance.
IGM Financial Inc. (TSX: IGM) � Manager, distributor of mutual funds.
Laurentian Bank of Canada (TSX: LB) � Smaller, Quebec-based, Canada-wide.
Manulife Financial Corporation (TSX: MFC) � Life insurance.
National Bank of Canada (TSX: NA) � 6th largest bank.
ONEX Corporation (TSX: OCX) � private equity investment firm.
Power Corporation of Canada (TSX: POW) � Owns Power Financial.
Power Financial Corporation (TSX: PWF) � Diversified management and holding company.
Royal Bank of Canada (TSX: RY) � One of top 2 banks.
Sun Life Financial Inc. (TSX: SLF) � Life insurance.
Toronto-Dominion Bank (TSX: TD) � One of top 2 banks.
Thomson Reuters Corporation (TSX: TRI) � Diversified information services.
TMX Group Inc. (TSX: X) � Toronto Stock Exchange.

Original Question

how can I proof my work experience as self employee doctor?

Q. I want to show my work experience to immigration office of Canada.I have worked in my own office for several years.How can I proof that?

A. THis is something yo should have a lawyer help you with.

If you have worked through a CPA they could also help you.

If you accepted insurance payment s you could show immigration your payment history from the insurance companies

You could provide your own insurance for liability and property/casualty.

Have they asked for your tax returns

Talk to a lawyer

Original Question

Can I lease a car in the USA and insure in Canada?

Q. I'm on a work VISA from Canada in New York. I travel from Montreal to New York often.

I want to lease a new BMW in New York/New Jersey. Can I register and insure in Montreal, Canada?
What if my intentions are to stay in the US and my insurance company in Canada offers me a better rate even with the international insurance package. Is there any way I can benefit from the US auto prices and Canadian insurance rates?

A. No, of course not. Since you would not be returning it to the US, the car would have to be imported legally into Canada. The leasing company would lose control, so they would not allow it. Plus, you are not the owner of the property in question to start with. Not only that, a leasing company in New York would not be licenced to collect Quebec sales taxes.

Edit:
You are resident in New York, not Montreal. You are travelling to Montreal, not moving. Your insurance is based on where both you and the car live. If you move to Montreal, you may be able to have the lease transferred to Montreal, assuming the model is compliant with Canadian standards, and is eligible for import, AT THE DISCRETION OF THE LEGAL OWNER, but if your job is in New York, you cannot register and insure in Montreal because you do not live there, period.
And if it were possible, you would have to pay all the taxes and duties up front, anyway.
You are trying to have your cake and eat it too, but it just doesn't work that way.

Original Question

What is the law if someone hits a flashing fire truck?

Q. The fire truck is responding to a call, it is flashing and giving warning siren passing through an intersection and someone hits it at the intersection.

I want to know what all legal action/penalties someone will face.
In US or Canada.

A. Charges - Failure to yield to an emergency vehicle.
Penalties - Damages to the fire truck, damages to any public property. In extreme cases, you can be sued by insurance companies for holding up the fire truck.

Original Question

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What are the requirements in renting an apartment?

Q. I will be moving to Canada and settling alone renting an apartment. I just want to ask how renting works. I am a young adult. Sorry for some of my dumb questions. Do the owner of the apt accept cash or just cheque? Do I need to go to the bank and ask for evaluation for my salary earnings ? Do they do contracts like a year contract or can I leave whenever I want to as long as I pay the whole rent amount (if ever i would want to transfer) ?

A. You can't just move to Canada. For the sake of the rest of the question... I would assume you are a Canadian citizen, permanent resident, or have a valid work or study permit. Otherwise, you'll find living in Canada rather difficult.

There are not hard rules for renting. It depends on what you are renting and from who. Most larger apartments are run by property management companies and will require provincial ID (i.e. your provincial driver's license or a provincial ID card). Most will also run a credit check on you -- which you'll likely fail if you don't have a credit history in Canada. Some may require references. If you try to pay cash... many property managers will have a problem with this. It just isn't safe carrying large amounts of money. No one will accept a check from a non-Canadian bank.

Room rentals, splitting an apartment with someone, rural/poorer neighbourhoods, etc. might not require the credit check or sometimes not even references but... they will typically require Canadian ID.

Vacation rentals, time shares, apartment/condo swaps, and/or house sitting ads might accept credit cards (depending upon who is managing the agreement).

You require proof of legal residency to obtain provincial ID, to open a bank account, to obtain a social insurance number (i.e. work), to attend school, etc.

Original Question

If you are renting out a property that you own, are you required to obtain fire insurance?

Q. The property is located in British Columbia, Canada, but I was wondering in general if there is ever a requirement for owners to have fire insurance before they are permitted to rent the property.

A. Legally, no. By contract? Maybe.

If you're using a real estate agent, then they will require you to have property insurance, AND liability insurance, on that property, that you want them to manage.

If there's a LOAN on the property, then your contract with the bank will require you to carry property insurance.

But if you're managing it yourself, and there's no loan, then you don't have to insure it. If the place burns down or tenants vandalize it, though, there isn't any coverage, of course.

Original Question

Do I need to have 3rd party insurance for a financed car in Canada?

Q. I am thinking of buying car by any term of financing. So do I need to have the 3rd party insurance? and can the deler i buy the car form, help me with this, and if anyone know any good deler arround Toronto, London, Windsor, would you pls let me know? Thanks.
I'm in ON.

A. Depends on where you live (which province) and the need of the financial institution. As a minimum you will need collision and public liability/property damage on the vehicle and comprehensive too would help.

Keep your deductible as high as you can so the premiums don't cost you more than the car.

Good luck

Original Question

What percentage of take home pay should one expect after taxes?

Q. I currently take home around 70% of my income in the States. I'm wondering how different the tax rate is in Canada (Vancouver). I'm guessing the rate varies based on income, so assume $100K.
Would there be any other deductions? Is healthcare included in this?

A. I'm looking at a T1 Special income tax form) right now--between $71 190 and $ 115 739 you will pay 26%. That is just federal tax. Then you have to add provincial tax which is 11.6% (Ontario). Then you add union dues etc/property tax (if you own a house) sales tax in Ontario is 14% at present. CPP (Canada Pension Plan-you must pay) /employment insurance all off of your cheque (sales tax of course isn't off your cheque--although eventually it is if you buy something) So having said all that, you'd be lucky to see 50K. Health care is included.

Original Question

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