he fraudulent caller says that if you don’t pay up, somebody will show up at your home and arrest you. Relax. It is fraud. The criminal is the caller, who is committing a federal offense. In April 2019, the Toronto Star reported on a telephone scam aimed at newcomers to Canada living in Canada. The article quoted an Immigration and Refugee Board (IRB) warning about telephone calls in which the caller claims to be a representative of the IRB. The person called is told (incorrectly) that he or she is under investigation, and owes money, typically $1,000. The caller’s phone number is ‘spoofed‘ to look as if the call is coming from a body such as the Immigration and Refugee Board, or the Royal Canadian Mounted Police (RCMP).
In 2018, we alerted our web site viewers to another fraud: the so-called ‘Canadian immigration lottery.’ There is no such program. Click to read our post.
We are collecting the common immigration-related scams on a dedicated page on our web site. Click here to read it.
If you know of a type of fraud that we have not described here, do the following:
Report the fraud attempt to the Canadian Anti-Fraud Centre at 1-888-495-8501;
Advise us too. We will use any information that we can verify to assist folks trying to enter Canada legally.
anadians continue to increase their use of credit and debit cards to make both large and small payments, according to a 2019 study by the Bank of Canada. In the past ten years, cash transactions of all kinds have declined from more than half of all payments to just more than a third of all transactions.
The Bank of Canada is Canada’s central bank, and sole issuer of Canadian bank notes, The Bank of Canada surveys Canadians every four years to find out how the nation pays for things.
The declining use of cash is not unique to Canada. Other countries worldwide are also seeing a rise in the use of electronic means of making payments large and small. Cash, however, remains easy to use. Cash is seen as secure, and cash is nearly universally accepted in Canada. For small-value purchases like a cup of coffee or a snack, cash is a popular payment method. In general, worldwide, the lower the value of the transaction, the more likely the buyer and seller will exchange value with cash.
Implications for immigrants to Canada
Cash, however, comes with some serious drawbacks. Using cash doesn’t build your credit rating, which you absolutely need to borrow money, qualify for a mortgage, or get a credit card. While cash itself is secure in that Canadians recognize the look and feel of Canadian currency, which is very difficult to counterfeit, carrying large amounts of cash has always been risky. Cash is not a good way for an employer to pay wages, or for an employee to be paid for work. Employers need to deduct income taxes; Canada Pension Plan contributions; health care premiums and other essentials ‘at source,’ which means you pay them as you go, rather than trying to find money you may have spent when you file your income taxes in Canada each spring.
Workers paid in cash may find out the hard way that they have no record if they need to claim workers’ compensation for a work-related injury.
Many of our clients prefer to pay us in cash. That’s fine. We accept cash. There is no advantage or drawback to you in paying us in cash. We also accept an e-transfer or a cheque.
Tips for good Canadian money management
In your country of origin:
Have a bank account. Use it, and deposit your cash in your bank account;
Build your credit history by showing that you can responsibly use a credit card, and pay the balance in full each month, or that you can manage a debit card;
You’ll need to show you have liquid assets (securities or cash) to come to Canada. Set up a savings account, separate from your chequing account, where you can save money.
Once you land in Canada:
Move your banking to Canada. Open a bank account with one of the major Canadian banks. Your employer should directly deposit your wages in your main chequing account;
Open a Tax-Free Savings Account (TFSA), and use this registered account to save and invest your money tax-free. You can withdraw and re-contribute the money you have in this account as your circumstances change over the years;
Open a Registered Retirement Savings Plan (RRSP), and make annual contributions of whatever you can. This account accumulates income tax-free until you use the funds, ideally after you have retired. Plan never to use this money during your working career;
Get and use either (or both of) a debit and a credit card for your purchases. You gain an expense record of what you spend money on, which helps you set and manage a personal budget;
Pay your income taxes every year. Filing your income tax return automatically makes you eligible for a wide variety of federal and provincial supports and programs.
Retain and file your financial records. Pay regular attention to how you and your household use money. Canadians generate a formidable trail of payments for the things you must purchase (rent or mortgage; utilities; taxes; transportation; food; clothing and so on) and the discretionary things you spend money on (entertainment, eating out, gifts; etc.). Financial success in a country like Canada is a matter of both increasing your income during your working career, and understanding and managing how you spend money. Keep score, have a plan, you’ll know whether you are winning or losing in the game of life in Canada.
uring late winter or early spring, Upper Canada Immigration Consultants typically travels to the Caribbean to meet with people who would like to come to Canada to live, work, study, visit or do business. Earlier this year, before the COVID-19 situation worsened, we decided to postpone that annual trip to later in the calendar. The global Coronavirus (COVID-19) issue was part of the reason when we made that decision in February. Many of you are contacting us directly as it is, and frankly, this has been a very busy winter season at Upper Canada Immigration Consultants. Remember that you do not have to meet us personally in order to retain our services to assist you. Use the phone, or WhatsApp, please.
If you’d like to work with us on an application, or find out if a visit or a move to Canada is feasible, then contacting us is simple. During this period when travel is perceived as risky, we can safely and securely connect with you by WhatsApp. You and also use e-mail to contact us.
COVID-19 and client contact
During this challenging period when Canadians (and people everywhere) are trying to contain and reverse the Corona Virus. People are being asked to work from home wherever possible, and avoid traveling. We are doing the same, following guidelines about minimizing the chance of contacting the virus, or putting our clients at risk through direct meetings. Like most people in the world who can, we are working from home for the next few weeks at least. Consider calling and doing our business on the phone.
Much of our business is conducted on the web and the phone (or WhatsApp) as it is. In the coming weeks, keep doing business with us, and keep it on the phone, by e-mail and by WhatsApp. Expect that routine things will take longer, mail and packages may take longer to receive, and services that we are used to receiving quickly may take longer, perhaps much longer in the short term, or may be interrupted. Together, by being vigilant and careful, we will all get through the Corona Virus.
host (illegal, non-regulated) immigration consultants are playing would-be immigrants to Canada for fools, and making off with people’s life savings by manipulating non-existent job offers in the Atlantic Canada Immigration Pilot Program (AIPP). Prospective Chinese immigrants seem to be a prime target. On a daily basis UCIC receives inquiries about this program from individuals on every continent . Click on the link below for details and insight on a “money- for-nothing” scheme:
A CBC News story in September 2019 exposed the method of demanding that prospective immigrants in essence pay for their own job by handing over huge sums of money, from which a prospective employer may be ‘paid off’ to make a phony job offer, for which the employer is paid with the applicant’s own funds, and the applicant receives no compensation during the so-called employment period.
Our advice for prospective immigrants to Canada is that there are no tricks, gimmicks or back doors to entry to Canada. You can’t buy your way into the country, and if you fall victim to this type of ghost consultant fraud, you’ll likely lose all your money, and end up back in your country of origin. Worse yet, a fraudulent attempt to enter Canada will also end all your dreams of coming – and staying – legitimately.
e have updated and expanded our Express Entry information page. Be sure to either read it for the first time, or re-read it once more. Have you created your profile yet? By creating a profile, individuals are ‘visible’ to the Department of Immigration, Refugees and Citizenship Canada (IRCC) for program-specific draws and regular draws. From this pool of applicants, regular draws invite applicants with the best scores to apply for Permanent Residency in Canada.
Canada’s strong economy, particularly in its heartland of Ontario, makes this path especially attractive to applicants from the trades and professions; to those with language skills in Canada’s official languages; and to those with family ties to Canada.
This is an especially good time for young, qualified, and motivated individuals who are progressive thinkers to consider coming to Canada. Upper Canada Immigration can assist you in getting into the Express Entry system; help you to maximize your chances; and steer you toward a coveted Invitation to Apply for Permanent Residency if your score has reached the threshold to be drawn. Time works against you. This means if you are serious about coming to Canada, don’t wait that extra year or two before you start the process.
pper Canada Immigration Consultants (UCIC) comes to the Caribbean on an annual basis. We meet with people seriously interested in coming to Canada. There is a small charge for the meeting. This is to ensure that the people who see us make a commitment to their future. We credit the entire meeting charge to your account once you become a client of ours. We’ll be frank and candid with you, and let you know if you have a good chance of succeeding in a desire to come to Canada.
We use Facebook because so many of our clients and prospective clients are on that platform. The Upper Canada Immigration web site has some useful resources for you. If you are serious about coming to Canada to live, work, study or do business, consider retaining UCIC to work with you. Plan to meet with us. We will visit the Caribbean again in 2020:
You may also wish to e-mail Andrea Seepersaud if you are ready to begin the process of immigration to Canada, and wish to see if you are an eligible immigrant. Not everyone is a high-probability prospect. If you are, or if you are not, we will let you know fairly quickly.
Update: Based on some of the questions asked by interested visitors to the Upper Canada Immigration Facebook Page, and from those who have asked to see me in Guyana when I visit in March, I have updated the web site’s Q & A Page. Please be sure to check it.
I was born in Guyana, and came to Canada in the 1980s. Learn more about me. Southern Ontario is home to a large and vibrant Guyana expatriate community. I look forward to returning to the Caribbean each year, and assisting qualified and determined folks on their road to permanent residency in Canada.
Andrea Seepersaud President, Upper Canada Immigration Consultants
pper Canada Immigration Consultants is doing an outreach to folks in parts of the United Kingdom this spring. Perhaps you saw our information on Facebook, in our e-newsletter, or on this web site, and you are wondering what to do next. If you are from the UK, please read this page first. It has lots of handy tips and sound advice for people seriously considering emigrating to Canada.
Call us via WhatsApp or by phone. The sound of a human voice is always best. For your initial consultation, we can arrange a telephone (or Skype or WhatsApp) appointment for a detailed discussion. Because of the time zone difference, mid-evening UK time is still in the midst of the working day in Ontario. If you are in Canada, or plan to come for a visit, we can meet with you. Here is how you can help us work with you:
Our web site is a treasure trove of free information for you. It also offers you a way to write us a short message. For example, you could advise us that you had just filled out the two forms above. Click or touch here to send a message.
What happens after that?
Our staff will assemble your information, and contact you. We will need to know about your academic or trade background and your qualifications and experience. If you have raised a question in a message to us, we can respond briefly, and offer you an introductory consultation. This does not cost you anything, and lasts a short time.
When (or if) it looks as if your inquiry has substance and merit, your consultant will lay out a path for you. At this point, you become a paying client of Upper Canada Immigration Consultants;
After your initial consultation, we follow up with an Engagement Letter if your case would benefit from our services.
Once we have agreed to work together, a Retainer Agreement will detail the scope of our services, the terms of your billing and a tentative timeline. From then onward, you are our client, and we are working on your behalf.
new Government of Canada pilot program will match applicants for permanent residency to jobs in rural Canada. The community-driven initiative aims to address ongoing labour shortages in rural and northern communities of Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, Yukon, Nunavut and Northwest territories.
The objective of the five-year economic immigration pilot project is to stimulate economic growth in communities that have, in recent years, seen population declines, and have job vacancies for mid-level positions that are never filled. The Rural and Northern Immigration Pilot promises to link communities experiencing labour shortages to the one source that can supply a steady stream of human capital – immigration.
Launched in 2019, this pilot program aims to rejuvenate rural Canada, while answering the prayers of thousands of potential new Canadians who are seeking a new start to their lives. Each year during the next five years, Canada will bring 2,750 principal applicants and their families to these outlying areas of Canada. Communities wishing to be a part of the initiative will enroll in the pilot by demonstrating their capacity to respond to the influx of human resources through social capital, supportive infrastructure and readiness to welcome and settle newcomers. The deadline for communities to get on board is March 1, 2019.
Thirty percent of Canada’s GDP is derived from rural Canada, where the workforce between 2001 and 2016 has shrunk by 23 percent. The percentage of retirement-age population has steadily increased, while the potential for work and economic benefits remain. Some 78 percent of immigrants tend to settle in large urban areas in Canada, where friends, family and established ethnocultural communities exist. The vision of newly arrived immigrants is no different. This five-year plan aims to assist rural communities to set themselves up as attractive, welcoming and economically viable for newcomer settlement, by offering supports.
The Northern and Rural Immigration Pilot could tap into the best practices of previous approaches to community-driven programs, where community collaborative efforts have included business and service sectors working closely with government to settle and integrate newcomers into the local environment.
Canada, the second-largest country in the world by land size, welcomes immigrants on an ongoing basis through various programs, initiatives and pilots. The Atlantic Immigration Pilot Program implemented in 2017 has been successful in driving economic growth in the provinces of New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador. So far, 734 principal applicants along with their families totaling 1,562 people, have been approved for permanent residency.
The Government of Canadian has defined participating Northern and rural communities as either:
Cities of 200,000 but classified as remote because of distance from an urban centre; or
Those with a population of less than 50,000, and located at least 75 kilometers from centres boasting a population of 100,000 or more.
The pilot will operate through the respective provincial nominee programs of the identified provinces and territories. The local community and economic development office for each community is expected to play a key role in matching candidates to local job openings. Potential candidates will have to wait until later in 2019 when participating communities would have been designated, and the parameters respecting candidate applications defined.
Contact us for more information, and to discuss whether the Rural and Northern Immigration Pilot might be a route to Canada for you.
pper Canada Immigration uses a mail list manager called Mailchimp. It is a powerful tool. It helps us keep in touch with you, and helps us get you specific information quickly. For a list and description of the open source software we use in our business, and which you can use too, click here.
If you don’t receive our e-mail newsletters, you may want to subscribe. If you do receive our e-mail newsletters, you should check to be sure the information we have on you is complete. A few notes for people unsure of what to share with us:
We assume we are dealing with serious and honest people whose interest in their future is genuine;
To help you, we have a genuine need to know where in the world you live, and how to contact you. Let us know who you are, and where you live. Or, if you receive our newsletter, please spend a few moments checking the information you may have given us earlier;
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ate in 2018, we were still receiving inquiries from individuals all over the globe, and particularly from Africa, about something called a new Canadian Visa Lottery Application that purportedly allows applicants a chance to come to Canada on a permanent resident visa.
I have reviewed the posts and links that people have sent me with Canadian Visa Lottery Application Form 2017/2018 and Canadian Visa Lottery Application Form 2018/2019. This is a scam.
This Canadian Visa Lottery scam is a deliberate attempt to mislead you. It is a fraudulent attempt by certain websites to mislead you, and obtain your personal data, obviously with questionable intent.
Please beware of any posts and websites that tell you there is a chance to ‘win’ permanent residency in Canada through a lottery-type system. The Government of Canada has no such program or initiative.
There are more than 60 programs of the Government of Canadian to facilitate access to Canada, whether for temporary residency, or permanent residency. Additionally, there are special programs, initiatives and pilots that are administered by Canada’s 13 provincial and territorial governments that will allow you, based on their own set of criteria, to legitimately come to Canada.
These, along with a solid and reputable consulting firm like Upper Canada Immigration Consultants, are the only authorities that can provide you a chance to come to Canada. Do not be misled by something that sounds too good to be true, because it likely is just that.
For more information on how you can come legitimately to Canada as a skilled professional, a skilled trade, a visitor, a student, a sponsored family member, or to overcome an immigration hurdle: