#Union Bank of Canada Building
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Edmonton, AB (No. 3)
Established as the first permanent settlement in the area of what is now Edmonton, the Hudson's Bay Company trading post of Fort Edmonton (also known as Edmonton House) was named after Edmonton, Middlesex, England. The fort's name was chosen by William Tomison, who was in charge of its construction, taking the fort's namesake from the hometown of the Lake family – at least five of whom were influential members of the Hudson's Bay Company between 1696 and 1807. In turn, the name of Edmonton derives from Adelmetone, meaning 'farmstead/estate of Ēadhelm' (from Ēadhelm, an Old English personal name, and tūn); this earlier form of the name appears in the Domesday Book of 1086. Fort Edmonton was also called Fort-des-Prairies by French-Canadians, trappers, and coureurs des bois.
Indigenous languages refer to the Edmonton area by multiple names which reference the presence of fur trading posts. In Cree, the area is known as ᐊᒥᐢᑿᒌᐚᐢᑲᐦᐃᑲᐣ amiskwacîwâskahikan, which translates to "Beaver Hills House" and references the location's proximity to the Beaver Hills east of Edmonton. In Blackfoot, the area is known as Omahkoyis; in Nakota Sioux, the area is known as Titâga; in Tsuutʼina, the area is known as Nââsʔágháàchú (anglicised as Nasagachoo). The Blackfoot name translates to 'big lodge', while the Nakota Sioux and Tsuutʼina names translate to 'big house'. In Denesuline, the area is known as Kuę́ Nedhé, a metonymic toponym which also generally means 'city'.
Source: Wikipedia
#Enbridge Centre#Rice Howard Place by B. James Wensley#Union Bank of Canada Building#Alberta#Canada#summer 2024#travel#original photography#vacation#tourist attraction#landmark#cityscape#architecture#Edmonton#Fairmont Hotel Macdonald by Ross and MacFarlene#Courtyard Edmonton Downtown#wildfire smoke
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hey. hello my friend. i am grabbing you by the shoulders oh so gently. do not become hopeless. that is exactly what they want. blue state governments will give them hell over the next presidential term, and you can rest assured there will absolutely be people in our government fighting for democracy.
the thing we can all do that will have the most direct immediate impact and will lay the groundwork for cultures of help, creativity, and love is to get involved at the local community level.
i’m talking especially to my fellow teens here!!! may not be able to vote but that doesn’t mean we’re not able to help.
for my fellow Angelenos!
Hollywood Food Coalition - free food! you can sign up to volunteer and do meal prep (cooking), meal service (serving food), or help at their food bank. locations are on their website. thanksgiving is coming up and HFC will need volunteers!
My Friend’s Place - free aid for youth homelessness, especially queer youth homelessness. volunteering is for 18 years and older
Los Angeles LGBT Center - exactly what it sounds like. offers a wide range of wonderful services and opportunities for volunteering. also works with school GSAs!
Moonwater Farm - a community farm in Compton with great opportunities for education and sometimes paid fellowships
for people everywhere else! just some general recommendations:
The Trevor Project - queer youth services that have saved my ass a number of times. i don’t know if they call the police as part of their responses or not (offers a single-click-to-leave button in case of emergency)
TrevorSpace - a great queer youth-centered website and a very safe place for queer community and discussion
Debate Me, Bro - a great anarchist newsletter/advice column run by a friend of mine!
The Child And Its Enemies - anarchist child rights-focused podcast also run by that same friend of mine :)
Neocities - make a website! learn some HTML! it’s fun, it’s pretty simple, and it’s a way to get a message out if that’s what you want but it’s also just a great de-stresser
Queer Liberation Library - need i even elaborate on the importance of libraries and access to queer media over the coming few years? (offers a single-click-to-leave button in case of emergency)
American Civil Liberties Union - an activism and aid organization that gave the Republicans absolute hell last time and will continue to do so this time
Blackline (800-604-5841) - a crisis and help hotline prioritizing BI&POC and black queer people. will not call the police!
Trans Lifeline (US: 877-565-8860, Canada: 877-330-6366) - a helpline run by and for trans folks. has a quick escape button and will not call the police!
Wildflower Alliance Peer Support Line (888-407-4515) - a warmline to chat with trained therapists and professionals. will not call the police!
StrongHearts Native Helpline (844-762-8483) - a domestic and sexual violence helpline prioritizing Native Americans and Alaska Natives. has a quick escape button and will not call the police!
Thrive Lifeline (313-662-8209) - a live crisis warmline prioritizing marginalized people. also offers text messaging! will not call the police!
LGBT National Health Center (888-843-4564) - exactly what it sounds like! warmlines for queer people if you need help. has a quick escape button and will not call the police!
Transfeminine Science - a fantastic resource for... transfeminine science. exactly what it says on the tin.
Planned Parenthood - an incredibly prolific and important organization that offers a very wide array of vastly important services. if you live in an at least semi-urban city in the U.S., Planned Parenthood probably has a clinic near you. you should find out if they do!!!
please feel free to add more resources if you know any!!
other recommendations: say hi to a neighbor. bake someone a pie. start a garden. treat homeless people like your neighbors (because they are). propose a community movie night. have a party in your apartment building. call a friend. text a friend. draw something. cook something good. go to a restaurant you like. buy some DVDs. get a new stuffed animal. compliment a stranger’s shirt. ask for a hug. offer someone a hug. listen to music. KEEP LIVING!!!!!!!!!
don't just survive, keep living <3
#faye screams at a rock#politics#us politics#mutual aid#socialism#community organizing#social justice#grassroots#queer rights#los angeles#anarchism#?#queer#trans#trans rights
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Toronto in the 1900s was a different city from the one we know today.
The center of business had moved west of the historical Town of York site and the skyline was undeveloped.
The tallest structures were the Temple Building at 10 stories and the Trader’s Bank Building at 15 stories.
A new downtown to the west of Yonge and King Streets was built. The City of Toronto moved into a new City Hall, built at the head of Bay Street at Queen Street.
Much of this new downtown was destroyed in the Great Toronto Fire of 1904, but it was quickly rebuilt, with new taller buildings.
South of downtown, the railways dominated most of the lands. A new viaduct was built to carry the main lines and eliminate the many at-level crossings.
A single Union Station was built to replace the several railway stations of the rail lines. It sat empty for a while over disagreements between the government and the rail companies.
In the late nineteenth century, Toronto welcomed the rise of Victorian architecture, as well as many of its revival styles.
This style of architecture was thought to be more modern, unique and creative than its successor, characterized by steep gabled roofs, round angles, towers, turrets and dormers, shapely bay windows, stained glass, centric carved woodwork, and bright colored paneling.
This style lent itself well to narrower lots, and thus, Victorian-style housing was most abundant in the city’s traditionally middle-class neighborhoods where individual properties were smaller, most notably Cabbagetown, Trinity-Bellwoods, Parkdale, and The Annex.
These neighborhoods held some of the largest collections of Victorian houses in North America.
Specifically, houses constructed in the Annex developed an individual iteration of the Victorian style, called the “Annex Style House.”
This style contained a variety of diverse and eclectic elements borrowed from many different styles.
Most distinctively, these houses were built of a mix of brick and sandstone, turrets, domes, and decorative ornamentation.
The city received new European immigrant groups beginning in the late 19th century into the early 20th century, particularly Germans, French, Italians, and Jews.
They were soon followed by Russians, Poles, and other Eastern European nations, in addition to the Chinese entering from the West.
As the Irish before them, many of these migrants lived in overcrowded shanty-type slums, such as “the Ward,” which was centered on Bay Street, now the heart of the country’s Financial District.
As new migrants began to prosper, they moved to better housing in other areas, in what is now understood to be succession waves of settlement.
Despite its fast-paced growth by the 1920s, Toronto’s population and economic importance in Canada remained second to the much longer-established Montreal, Quebec.
The Great Depression of the 1930s reversed the employment trend, with approximately one-fourth of the Toronto population unemployed and caused severe financial problems for suburban Toronto.
Capital debt payments could not be met and expenditure on public services—sewage and piped water supply in places remote from the lake, for example—had to be postponed.
However, World War II’s demands for war supplies and soldiers soon changed the employment picture.
Following the war, and into the 1960s, times were prosperous throughout North America.
Toronto’s economy diversified and boomed, greatly altering the cultural and spatial pattern of the city.
Other factors after the war included the baby boom, demand for single-family dwellings, and the proliferation of the automobile.
Suburban sprawl was assisted by the increase in road networks and freeways, thereby consuming some of the best agricultural land in the region.
By 1953, a reorganization of local government had been created, along with the Corporation of Metropolitan Toronto, in an attempt to control development in the surrounding regions.
Suburban growth continued. In 1966, new City of Toronto boundaries were drawn, amalgamating 13 communities, with the Metropolitan government still in place.
By the 1976 census, Toronto passed Montreal to become the largest city in Canada, and the gap between these two cities continued to grow.
(Photo credit: City of Toronto Archives / BlogTO / Wikimedia Commons / Britannica / Flickr).
Updated on: February 6, 2023
#Toronto#1900s#20th century#Great Toronto Fire of 1904#Victorian architecture#Annex Style House#19th century#Great Depression of the 1930s#Rare Historical Photos#vintage photos#Victorian houses
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Chinaphobia: If China Arms Russia, the U.S. Should Kill China’s Aircraft Industry😂😂😂
Beijing’s aerospace future is uniquely dependent on Western companies. U.S. and EU trade sanctions could bring its indigenous aviation sector to a halt.
— Foreign Policy | By Richard Aboulafia | March 20, 2023
A COMAC C919 narrow-body airliner on display during the 2021 China Aviation Industry Conference And Nanchang Air Show on October 30, 2021 in Nanchang, China. Li Tong/VCG Via Getty Images
As Chinese President Xi Jinping meets in Moscow with Russian President Vladimir Putin this week, the war in Ukraine will be high on the agenda. While the Chinese leader might pressure Russia to pursue a peace deal, there are also worries in Western capitals that the authoritarian allies could agree to work together more closely.
A Chinese decision to provide Russia with weapons would change the world. Only China has the stockpiles and industrial capacity to replace Russia’s ruinous equipment losses in its war against Ukraine. Worse, it would help cement a Russia–China alliance, one pitted against Western interests. U.S. President Joe Biden and other Western leaders have warned China’s leadership that providing lethal technologies to Russia, on top of the non-lethal aid already provided, would have serious consequences.
Indeed, the West does have some leverage. One option would be to bring China’s commercial aircraft industry to a halt, thereby striking a blow against Beijing’s economic, technological, and transport aspirations. It would be a major blow to Xi’s prestige, too, since he has made technological self-sufficiency a key priority for the country.
The aviation industry is not just a matter of pride; it is foundational to China’s infrastructure and an essential mode of transport for many middle-class Chinese. According to the World Bank, passenger air traffic in China grew more than tenfold between 2000 and the 2019 peak, from 62 million passengers to 660 million passengers.
The exponential growth in passenger numbers has made China a major customer for Western-made jets: based on manufacturer-reported numbers, in 2000, China took 2 percent of world jetliner production. In 2018, the peak year for imports, it took 23 percent of world jetliner production.
The United States and its allies have already decided to decouple from China when it comes to semiconductors and telecommunications systems. Jetliner manufacturing would be a logical next step. After all, China’s vaunted commercial transports—the MA700 regional turboprop transport, ARJ21 regional jet, C919 narrow-body passenger plane, and proposed CR929 wide-body are heavily dependent upon imported Western technologies and systems.
While China wants to develop home-grown substitutes for these imported components, ultimately creating purely Chinese jets, this will be a very long road. Besides, modern jet producers rely on purchases of best-in-class technologies from a globalized industry; autarky is a very bad way to run a jetliner industry. Even the U.S. jetliner industry has long been wedded to industrial partners in Canada, France, Japan, the U.K., and many other countries.
“Engines are the Weakest Link in China’s Civil Aviation Plans.”
Engines are the weakest link in China’s civil aviation plans. Airframes and aircraft systems and technologies may be difficult to develop, but jet engines are at a completely different level in terms of barriers to entry. In fact, only three companies, located in two countries (General Electric (GE) and Raytheon/Pratt & Whitney in the United States and Rolls-Royce in the U.K.) build commercial jet engines. France’s Safran plays a role as a partner to GE in the CFM joint venture, but otherwise there are no other sourcing options.
Russia could not become a jet engine supplier option for China. The Soviet Union had a second-rate commercial engine industry for mostly domestic applications, but Russia’s efforts to revive it have been uncertain and very slow. Today, Russia remains completely dependent on Western aircraft and engines; it has only been able to keep its existing aircraft flying by illegally evading sanctions.
Only tiny numbers of obsolete Russian models have been manufactured over the last few decades. There are plans for new engines, but international sanctions, massive corruption, and the brain drain of the last year have likely doomed whatever chances Russia’s commercial aviation engine industry once had. Besides, the priority is now military systems.
As a consequence of the limited number of jet engine suppliers, the Commercial Aircraft Corporation of China’s (COMAC) ARJ21 regional jet and C919 are both powered by GE or GE/Safran engines, imported from the United States. For the ARJ21, there is no backup plan to GE’s CF34 engine.
For the C919, China is developing its CJ-1000A engine as an alternative to the GE/Safran Leap-1C, but it won’t enter service until the end of the decade. And the CJ-1000A is also heavily dependent upon key imported Western technologies. Like China’s jetliners, China’s first attempt at a commercial engine could easily be shut down with technology embargoes.
Killing the current CJ-1000 project would bring China back to the jet engine drawing board. Predictably, the Chinese government has been trying to develop its own engine industry independent of imported components, a process involving intellectual property theft and other desperate measures.
But again, the track record of commercial jet engine development outside the United States and U.K. is not encouraging. And as with aircraft, the big three engine suppliers would never think of building engines without relying on suppliers outside their home countries.
With or without Western sanctions, a best-case scenario for China’s aerospace aspirations is a second-rate, home-grown engine available in the mid 2030s. These would power Chinese jetliners which, relative to Western models, would offer lower reliability, higher fuel burn and operating costs, and uncertain product support.
The legal structure for jetliner decoupling is already in place. COMAC’s key parent companies are on the U.S. Military End User (MEU) List, which essentially prohibits technology exports to entities that “represent an unacceptable risk of use in or diversion to a ‘military end use’” in China and other countries.
The MEU List’s application to aerospace exports to China is somewhat opaque, perhaps deliberately. All of China’s thousands of Western jets use U.S. technology. While its parent companies are on the MEU List, COMAC itself is not. But clarifying the situation, by putting COMAC directly on the MEU List, would be a very simple—and economically devastating—move.
China’s MA700 aircraft provides a useful example of how jetliner decoupling would unfold. In September 2021, Canada—in conjunction with the United States—suddenly denied export licenses for the Pratt & Whitney Canada PW150 engine used on this 70-seat airliner. This meant that China’s national 70-seat regional turboprop transport, in development since 2007, was dead in its tracks.
Since then, the MA700 has effectively been airbrushed out of China’s aviation plans, like a disgraced Politburo member erased from Soviet documents. A prototype might have flown sometime last year, possibly with a few engines that had already been imported, but right now this aircraft has no future without access to new production engines.
“Jetliner decoupling, For the Most Part, Would Only Hurt China’s Aviation Industry, Not the West’s.”
A Western decision to starve COMAC of the components needed for its larger jetliners would be deeply embarrassing for China. China’s efforts to build a commercial aviation industry have had little success since they began in the 1970s with the failed Y-10 program.
But since COMAC’s ARJ21 program began in 2002, the government has devoted prodigious resources to the industry’s development. Sash Tusa, an aerospace and defense analyst at Agency Partners, estimated that China had spent at least $67 billion on its jetliner programs over the last 20 years. Tens of thousands of workers are employed in an industry that has figuratively and literally failed to get off the ground.
Killing these programs would represent more than just billions in sunk costs (and probably unemployed workers). It would also mean that China would have no choice but to keep importing Western jets from Airbus and Boeing. The Russian jetliner industry, long dormant but seeking revival, has been hobbled by sanctions and corruption, and doesn’t appear able to build jetliners for internal use, let alone export.
And it isn’t as though China can directly retaliate. Chinese industry plays a negligible role in Western jet-makers’ supply chains (although it does play a more significant role in maintenance, repair, and overhaul work; and in global jetliner finance). Jetliner decoupling, for the most part, would only hurt China’s aviation industry, not the West’s.
Therefore, Chinese officials would face a day of reckoning. The autarkic Made in China 2025 policies espoused by Xi would be exposed as extremely limited, or even a complete fantasy. China would have a simple choice: rethink selling weapons to Russia or admit that plans for a self-reliant national aviation industry are untenable, at least for the next 12 to 15 years.
Of course, if China then doubles down on arming Russia, there would also be the option of sanctioning China’s existing jetliner fleet, which is almost completely Western-made and therefore dependent on a steady stream of spare parts. Chinese aviation’s rapid growth would be replaced with steady capacity decline.
The loss of this key growth market would be very bad news for the entire global aviation industry, but it would also gravely damage China’s economy. An unreliable air transport system, impaired by sanctions, would mean that China, like Russia, would wind up like Iran—dependent on an aging fleet of existing jets, with highly uncertain levels of sustainability and safety.
Aviation decoupling between the West and China is neither inevitable nor desirable. However, the prospect of Russia rearming itself with Chinese weapons, and the two countries allied together against open societies, is worse. The threat of crippling China’s jetliner industry would be a strong weapon for preventing that outcome.
— Richard Aboulafia Is Another Chinaphobic Idiot managing director at AeroDynamic Advisory, an aerospace and defense industry management consultancy. He has followed the industry as an analyst and consultant since 1988.
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NEAR HOSTOMEL, Ukraine—For 20 years, Liudmyla Savenko lived in a small, two-story house on top of a hill, the highest point in her village, near Kyiv. When Russia invaded, she used the vantage point to report enemy movements to Ukraine’s military. Now her house is a pile of rubble.
Located to the northwest of Ukraine’s capital, right between the village of Moshchun and Hostomel Airport, Savenko’s house was on the front lines from the first days of Russia’s full-scale invasion in February 2022. She watched it from her living room window. A 59-year-old first grade teacher, she reported the first flight of 20 helicopters that fluttered over the trees near the Irpin River. When a column of tanks and troops appeared in a nearby field, she called it in, and Ukrainian forces came out to meet them. They pounded each other with artillery.
And then the Russians pounded her house, hitting it with an artillery shell on March 9, 2022. Flames gutted the place, destroying most of her belongings. She spent months living in the basement before finding refuge elsewhere. “We lost everything, even the photos of my children and grandchildren,” Savenko said.
Now, even with the war ongoing, Savenko is looking to start rebuilding. On a recent Sunday morning, a team of around 20 volunteers from Brave to Rebuild, a volunteer initiative that helps people whose homes were damaged by the Russian invasion, arrived to start clearing away the rubble and the debris and the bad memories. Over the past seven months, the team—made up of volunteers from Ukraine, Canada, the United States, and farther afield—has been working to restore nearly 300 shattered houses. They piled spent shrapnel on the stump of a just-felled tree and stacked fresh bricks for the new house. Savenko and her husband don’t have the money to start rebuilding just yet but cherish these first steps.
Ukrainian President Volodymyr Zelensky said this month that some 1,900 Ukrainian cities and villages are in need of reconstruction. It is, he said, “the largest economic project in Europe in several generations.” The Kyiv School of Economics has estimated the total cost of Russia’s invasion at about $144 billion, including damage to the environment and the destruction of railroads, hospitals, and schools. More than 153,000 residential buildings have been either damaged or destroyed, a missile-directed write-off exceeding $50 billion.
As with any remodeling, the final tally will be a lot higher. The World Bank, United Nations, and European Union figure it will take at least $400 billion to rebuild. That’s roughly double Ukraine’s annual GDP: It’s as if the United States were hit with a $46 trillion bar tab. Ukraine plans to fund the reconstruction through a combination of state-organized projects, paid for locally and internationally, and by attracting private capital. U.S. asset management firm BlackRock has agreed to help coordinate investment. Its head, Larry Fink, said in January that Western investors will be “flooding” in after the war and the country could become a “beacon to the rest of the world of the power of capitalism.”
Even now, with fighting ongoing, UkraineInvest, Kyiv’s investment promotion office, is attracting interest. The office has nearly 20 projects worth $2.3 billion running already and expect $3 billion to $5 billion in investment over the next two years in industry alone. Some companies are taking big risks to get ahead of what is expected to be a gold rush. The largest interest so far has come from those who produce construction materials and process agricultural goods.
“Private capital is very important: When it enters Ukraine, it sends a positive signal to other investors,” said Sergiy Tsivkach, the CEO of UkraineInvest. “It will bring technology, access to supply chains, and the best international practices in operating business in a transparent and effective way.”
States are also ponying up, with more than 50 countries pitching in. The United Kingdom is focusing on Kyiv; Denmark is working on Mykolaiv, due to its ties to the city’s shipbuilding industry. British architect Norman Foster, known for his modern creations in steel and glass, offered his services last year to rebuild central Kharkiv for free and has since developed a masterplan for the city. In Kyiv and its now infamous suburbs, roads, malls, and bridges that lay in tatters last year are being brought back to life. Tower blocks that had holes scored into them by missiles have been repaired. Yablonska Street in Bucha, once strewn with the bodies of slain civilians in one of the most tragic episodes of the war, is now dotted with backhoes and construction workers.
The remains of the Irpin-Bucha bridge, under which a crowd of terrified people sheltered from artillery strikes as they tried to flee the area last year, are being turned into a war memorial. The Turkish construction company Onur, which is building a new bridge next to it, said work began last fall and is scheduled to open to traffic by the end of the year. It is funded by the Ukrainian state, although three other bridges Onur is rebuilding are being paid for by U.K. Export Finance, the U.K. government’s export credit agency.
Beyond the famous landmarks of the war, a major test for Ukraine will be its ability to draw investment into the rebuilding of little-known areas, such as the villages and farming settlements in the Donbas region that have been reduced to ash. Donald Bowser, the founder of Support to Ukrainian Recovery Initiative, said there has so far been little donor interest in early recovery work outside of Kyiv or big cities. Most donations to the country are still focused on humanitarian aid.
“People say they don’t want to rebuild as it will get destroyed again. Yet the people who live along the contact line have already suffered for nine years. People still need services and infrastructure,” Bowser said. The initiative attempted to raise $170,000 to rebuild a dairy farm that would employ an entire town last year in Mala Rohan, near Kharkiv, but there was little interest.
Rebuilding is a minefield—literally. Ukraine is now one of the most heavily mined countries in the world, with about 30 percent of the total area contaminated, according to Ukraine’s State Emergency Service. Even if the war ended tomorrow, it would take years to clean up the unexploded ordnance.
Another thing that could blow up is Ukraine’s past reputation for corruption. “Few lessons have been learned from the last nine years of war,” Bowser said. However, Ukraine is not the same country that it was before the full-scale invasion. “There is a new society, who don’t have the tolerance for corruption that they did,” he said, pointing out how many people have been involved in humanitarian and fundraising efforts. “People will watch how the money is spent—they’re not going to sit back while everything gets stolen.”
Some things are going to be harder to rebuild, regardless of ready cash or fresh bricks. For Savenko, who has just begun rebuilding her house, it would take a lot more than an army of tea-drinking volunteers to heal the rift the invasion tore through her family. Her aunt, uncle, and sister live in Minsk, Belarus, and used to visit every year, but now they support Moscow’s “special operation.”
“My sister would say, ‘Your poor country is nothing. Ukraine is a doll in America’s hand,’ and all these phrases from Russian propaganda,” Savenko said, adding that all her family members were born in western Ukraine. When her house was on fire, she sent an image of it engulfed in flames to her sister, but there was no response.
“Now I have deleted her number and erased her address,” Savenko said. “I will never speak to her again.”
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How Canada Is Supporting Immigrant Entrepreneurs In 2025
Canada has long been a welcoming destination for immigrants, and in recent years, the country has placed a strong focus on supporting immigrant entrepreneurs. In 2025, the Canadian government will continue to foster a business-friendly environment for newcomers, recognizing the immense value that immigrant entrepreneurs bring to the economy. Through various programs, resources, and incentives, Canada aims to attract and retain talented entrepreneurs from around the world, offering them the tools to succeed and contribute to the country’s growth.
The Importance Of Immigrant Entrepreneurs In Canada
Immigrant entrepreneurs play a vital role in Canada’s economic growth. According to Statistics Canada, immigrants have been responsible for a large share of the country’s small and medium-sized businesses. These businesses create jobs, increase innovation, and contribute to Canada's diverse and dynamic economy. Canada’s multicultural population, combined with the entrepreneurial spirit of its immigrants, has helped shape the country's thriving startup culture.
As of 2025, the Canadian government is recognizing the significance of this community more than ever. They are not only investing in the attraction of new business owners but are also creating pathways for existing immigrant entrepreneurs to thrive, grow, and innovate in Canada.
Key Programs Supporting Immigrant Entrepreneurs
The Canadian government offers a variety of programs that aim to help immigrant entrepreneurs start and grow their businesses. Here are some of the most noteworthy initiatives:
1) Start-up Visa Program
Canada’s Start-up Visa Program is one of the most popular immigration programs for immigrant entrepreneurs. It provides foreign nationals with the opportunity to launch innovative businesses that can compete globally. This program targets entrepreneurs who have the potential to create jobs for Canadians, generate revenue, and contribute to the overall innovation ecosystem in Canada.
In 2025, the Start-up Visa Program remains a critical pathway for immigrants wishing to establish their businesses in Canada. To qualify, applicants must meet several criteria, including securing a letter of support from a designated Canadian organization, such as a venture capital fund, angel investor group, or business incubator. Once approved, entrepreneurs can gain permanent residence, along with the ability to operate their business in Canada.
2) Business Immigration Program
The Business Immigration Program focuses on attracting experienced entrepreneurs and investors to Canada. This program has been a cornerstone of Canada’s efforts to build its economy through business innovation. In 2025, this program has evolved to focus on supporting those who can help drive growth in Canada’s most promising sectors, including technology, clean energy, and healthcare.
The program provides pathways to permanent residence for those who have business experience and are looking to invest in or establish a business in Canada. For many immigrant entrepreneurs, this is an excellent way to not only enter the Canadian market but also gain long-term stability through permanent residency.
3) Immigrant Entrepreneur Loan Programs
In 2025, Canadian financial institutions are providing increasing access to capital for immigrant entrepreneurs who want to start a business but lack the necessary funds. Programs like the Immigrant Entrepreneur Loan Program offer low-interest loans to newcomers who need financial support to launch their ventures. These loans help immigrants overcome one of the biggest barriers to entrepreneurship—access to funding.
Many banks and credit unions in Canada have dedicated business banking services tailored specifically for immigrant entrepreneurs. This includes advice on how to structure business plans, access government funding, and navigate the Canadian financial system. Immigrants can receive guidance from financial advisors who understand the challenges they face and help them make smart financial decisions for their business.
4) Regional Entrepreneurship Support Programs
In 2025, various provinces and cities across Canada have local programs designed to support immigrant entrepreneurs at a regional level. For example, communities in Ontario, British Columbia, and Quebec offer grants, mentorship programs, and business development opportunities for immigrants.
These regional programs are geared toward supporting entrepreneurs who choose to settle outside major metropolitan areas. By offering tailored support, these initiatives help immigrant business owners thrive in less urbanized areas while addressing regional economic needs. In many cases, these programs also offer networking opportunities and partnerships with local businesses and organizations.
Access To Mentorship and Networking
Another key component of Canada’s support for immigrant entrepreneurs is access to mentorship and business networks. Many newcomer entrepreneurs face challenges in adjusting to the Canadian market, from understanding consumer behavior to navigating government regulations. This is where mentorship programs play a significant role.
In 2025, numerous organizations across Canada are offering mentorship to immigrant entrepreneurs. These programs connect newcomers with experienced business owners who can offer guidance and advice on how to grow a successful company in the Canadian business landscape. Networking events, business incubators, and accelerators also provide immigrant entrepreneurs with valuable opportunities to connect with investors, business partners, and other entrepreneurs.
Immigrant Entrepreneur Tax Incentives
Canada’s tax system offers various incentives for immigrant entrepreneurs that help reduce the cost of starting and growing a business. In 2025, the government continues to offer tax credits for research and development (R&D), as well as other business-related expenses that can make it easier for newcomers to invest in their companies. These tax breaks provide significant savings for businesses that are involved in technological innovation, manufacturing, and other industries that contribute to Canada’s economic development.
Government Resources for Immigrant Entrepreneurs
The Government of Canada has a comprehensive suite of resources available to support immigrant entrepreneurs. These include:
• Canada Business Network:
A government resource provides information on starting and managing a business in Canada. It includes step-by-step guides, funding opportunities, and policies.
• Immigrant Services:
Numerous non-profit organizations and government-funded programs across the country help immigrants navigate entrepreneurship challenges. They offer services like business training, English language courses, and legal assistance.
• Small Business Financing Programs:
These government-backed programs offer financial support and guidance for starting a small business. They make it easier for immigrants to access the capital they need.
Conclusion
In 2025, Canada is continuing to strengthen its support for immigrant entrepreneurs, recognizing their vital contribution to the economy. With programs that offer funding, mentorship, tax incentives, and resources to help entrepreneurs settle in and succeed, Canada is positioning itself as a leader in promoting immigrant-driven innovation.
Whether through the Start-up Visa Program, business loans, or regional support initiatives, the country is committed to ensuring that immigrant entrepreneurs have the tools and opportunities they need to thrive. For newcomers, Canada remains a land of opportunity where business dreams can become reality, contributing to a vibrant and diverse economy.
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Installment Loans Canada: A Flexible Financial Solution for Canadians
When unexpected expenses arise, having access to quick and flexible financial solutions is essential. Installment loans Canada are a popular choice for those who need more time to repay their borrowed amount compared to payday loans. These loans offer larger amounts and longer repayment terms, making them an ideal option for individuals facing significant financial challenges.
What Are Installment Loans Canada?
Installment loans Canada are a type of loan that allows borrowers to repay the borrowed amount in fixed installments over an agreed period, usually ranging from a few months to a few years. Unlike payday loans, which require full repayment on your next payday, installment loans Canada provide a more manageable way to pay off the debt. Borrowers can use the loan to cover a wide range of expenses, from medical bills to home repairs or even consolidating debt.
How Installment Loans Canada Work
Installment loans Canada function similarly to traditional loans, but with the added benefit of flexible repayment terms. Here’s how they work:
Application Process: To apply for installment loans Canada, you need to provide basic financial information, such as proof of income and your credit history (though some lenders may not require a credit check).
Loan Approval: Once you’re approved, the lender will offer a loan amount based on your income and ability to repay. The amount can range from a few hundred to several thousand dollars.
Repayment: The loan is repaid in fixed installments, typically monthly. The repayment schedule is set according to the terms agreed upon at the time of approval.
Benefits of Installment Loans Canada
Installment loans Canada offer several advantages for borrowers in need of financial assistance:
Longer Repayment Period: One of the key benefits of installment loans Canada is the ability to repay the loan over a longer period, often up to several years. This makes the payments more affordable compared to payday loans.
Larger Loan Amounts: Unlike payday loans that typically provide small amounts, installment loans Canada can offer larger sums, making them suitable for significant expenses, such as home renovations or consolidating debt.
Predictable Payments: The fixed monthly installments make it easier to budget, as you know exactly how much you’ll be paying each month. This predictability helps borrowers avoid surprises and plan for the future.
Credit Building Opportunity: Making timely payments on an installment loan can help build or improve your credit score. Lenders typically report your payment history to credit bureaus, which may boost your credit score over time.
Considerations When Taking Out Installment Loans Canada
While installment loans Canada offer many benefits, they also come with certain risks and considerations:
Interest Rates: Interest rates on installment loans Canada can vary significantly based on factors such as your credit score, loan amount, and repayment term. Some lenders may charge higher rates for individuals with lower credit scores.
Longer Commitment: Unlike payday loans, which are paid off in a short period, installment loans Canada require a longer commitment. This means you’ll have ongoing payments for several months or years.
Late Payment Penalties: Missing a payment can result in late fees, and if you miss multiple payments, your loan may go into default. This could negatively impact your credit score and lead to additional charges.
Responsible Borrowing
Before taking out an installment loan in Canada, it’s essential to borrow responsibly. Ensure you can afford the monthly payments and that the loan is necessary for your situation. Only borrow the amount you need, and try to avoid overextending yourself.
Alternatives to Installment Loans Canada
If you’re looking for alternatives to installment loans Canada, here are a few options:
Personal Loans: Personal loans from banks or credit unions often have lower interest rates compared to payday or installment loans. These loans are typically unsecured and can be used for a variety of purposes.
Credit Cards: If you have a credit card with a sufficient limit, you can use it to cover emergency expenses. However, keep in mind that credit card interest rates can be high, so it’s important to pay off the balance quickly to avoid excessive fees.
Lines of Credit: A personal line of credit from your bank may offer more flexibility and lower interest rates than installment loans Canada. With a line of credit, you only pay interest on the amount you borrow, and you can continue borrowing up to your limit as you repay.
Installment loans Canada provide an excellent financial solution for individuals who need to borrow money but require more time to repay. They offer larger amounts and longer repayment periods than payday loans, making them more manageable. However, it’s important to consider the interest rates and the long-term commitment that comes with installment loans Canada. By borrowing responsibly and exploring other financial options, installment loans Canada can be a useful tool for managing your finances during times of need.
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Unlocking Opportunities: A Guide to Small Business Financing in Canada
Starting or expanding a small business in Canada requires not just vision and strategy but also financial resources. For entrepreneurs and small business owners, understanding the various financing options is crucial. This guide delves into the essentials of Canada small business financing, business financing in Canada, Canadian small business loans, and small business finance options, helping you navigate the financial landscape.
Why Small Business Financing Matters
Canada's small businesses form the backbone of its economy, accounting for nearly 98% of all businesses. Financing is a critical component of their success, enabling entrepreneurs to purchase equipment, hire staff, market their services, or manage cash flow during lean times. However, finding the right financial support can often be challenging.
Canada Small Business Financing Program (CSBFP)
The Canada Small Business Financing Program (CSBFP), a government-backed initiative, is designed to assist small businesses in obtaining loans from financial institutions. Key features include:
Loan Amount: Up to $1,000,000 for eligible businesses, with $350,000 available for leasehold improvements or equipment.
Eligibility: Small businesses with annual gross revenues of $10 million or less.
Usage: Funds can be used for purchasing equipment, improving leased property, or financing commercial property.
This program reduces risk for lenders, making it easier for small businesses to access financing.
Types of Business Financing in Canada
Term LoansTerm loans are one of the most common types of business financing in Canada. They provide a lump sum upfront, which is repaid over time with interest. These loans are ideal for funding large projects or purchasing equipment.
Line of CreditA line of credit offers flexibility, allowing businesses to withdraw funds as needed up to a predetermined limit. It’s a great solution for managing cash flow and covering short-term expenses.
Equipment FinancingIf your business requires specialized machinery or technology, equipment financing can help. Loans or leases specifically for equipment acquisition ensure your business has the tools it needs to thrive.
Invoice FinancingFor businesses facing delayed payments from clients, invoice financing provides immediate cash based on unpaid invoices, improving liquidity without waiting for customer payments.
Benefits of Canadian Small Business Loans
Accessing a Canadian small business loan can offer the following benefits:
Affordable Interest Rates: Canadian lenders often offer competitive interest rates for small business loans.
Customizable Terms: Loans can be tailored to meet specific business needs, whether for expansion, operations, or asset acquisition.
Credit Building: Successfully repaying a business loan improves your credit score, enhancing future borrowing opportunities.
How to Apply for Small Business Financing in Canada
Securing the right financing requires preparation. Here’s a step-by-step guide:
Assess Your Needs: Identify how much funding you need and the purpose. Be clear about whether the financing is for operations, equipment, or growth.
Create a Business Plan: A solid business plan demonstrates your goals, revenue projections, and repayment strategy.
Check Eligibility: Different lenders have varying eligibility criteria. Ensure your business qualifies before applying.
Gather Documentation: Commonly required documents include financial statements, tax returns, and proof of business registration.
Compare Lenders: Research financial institutions, including banks, credit unions, and alternative lenders, to find the best terms.
Top Lenders for Small Business Finance in Canada
Banks and Credit Unions: Major banks like RBC, TD, and BMO, as well as local credit unions, offer a range of small business loan products.
Government-Backed Programs: In addition to the CSBFP, regional development agencies provide grants and loans to small businesses.
Online Lenders: Companies like Clearco and OnDeck provide fast, flexible financing solutions tailored to small businesses.
Tips for Successful Financing
Maintain Good Credit: A strong credit score improves your chances of loan approval and better interest rates.
Keep Financial Records Updated: Accurate records demonstrate financial stability and build lender confidence.
Leverage Government Programs: Explore grants and subsidies available for your industry or location.
Conclusion
For Canadian entrepreneurs, accessing the right small business finance can be a game-changer. Whether through government-backed loans, bank financing, or alternative lenders, there are diverse options to support your business's unique needs. By understanding the opportunities available and preparing thoroughly, you can secure the financing needed to turn your business dreams into reality.
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Best Mortgage Broker in Canada | Trusted Mortgage Solutions Nationwide
Best Mortgage Broker in Greater Toronto Area
Navigating the mortgage landscape in the Greater Toronto Area (GTA) can be a daunting task. With a multitude of options and ever-changing market conditions, having a reliable mortgage broker by your side is crucial. As a licensed mortgage broker with extensive experience, I pride myself on being your trusted partner in finding the best mortgage solutions tailored to your needs. Let’s explore why I am the best Mortgage Broker in Greater Toronto Area for your mortgage needs.
Why Choose Me as Your Mortgage Broker
Extensive Experience and Licensing
With years of experience in the mortgage industry, I hold all the necessary licenses to operate as a Best Home Loan Brokers in Canada My extensive background includes working with various clients, from first-time homebuyers to seasoned investors. I understand the complexities of the mortgage market and how to navigate them effectively, ensuring you receive the best options available. My commitment to continuous professional development means I stay updated with the latest regulations, market trends, and mortgage products, so you can be confident in my knowledge and expertise.
Personalized Approach to Mortgage Solutions
What sets me apart is my commitment to a personalized approach. I recognize that every client’s financial situation and goals are unique, which is why I take the time to understand your specific needs. I will listen to your objectives and concerns, allowing me to create a tailored mortgage strategy that aligns with your lifestyle and financial capabilities. This personalized service helps ensure that you get the right mortgage product for your circumstances. Best Home Loan Brokers in Canada
Exceptional Customer Service
My commitment to exceptional customer service is at the forefront of my business philosophy. I prioritize open communication, transparency, and accessibility. From our initial consultation through to the closing of your mortgage, I’m dedicated to providing prompt responses to your inquiries and keeping you informed about each step of the process. You can rely on me to be your advocate, ensuring that your needs are met with the utmost professionalism and care.
Strong Negotiation Skills
In the competitive mortgage market, having a broker with strong negotiation skills can make a significant difference. I leverage my relationships with lenders to negotiate favorable terms and rates on your behalf. My goal is to secure the best possible deal for you, which can save you money over the life of your loan. I advocate fiercely for my clients, ensuring that they receive the value they deserve.
Access to a Wide Range of Lenders
One of the major advantages of working with me is my access to a broad network of lenders, including banks, credit unions, and private lenders. This extensive reach allows me to present you with various mortgage options that suit your financial profile. Unlike working with a single lender, I can compare products and rates across the market, ensuring you have access to competitive offerings that align with your needs.
Financial Literacy and Education
I believe that an informed client is an empowered client. I take the time to educate my clients about the mortgage process, including various loan products, interest rates, and payment structures. I’ll break down complex financial terms and provide you with the knowledge you need to make informed decisions. This educational approach not only enhances your understanding but also builds your confidence as you navigate your mortgage journey.
Commitment to Building Long-Term Relationships
My goal is not just to help you secure a mortgage but to build a lasting relationship based on trust and mutual respect. I aim to be your go-to resource for all things mortgage-related, whether it’s advice on refinancing
in the future or assisting with investment properties. I value long-term relationships and am here to support you throughout your homeownership journey and beyond.
Streamlined Process for Efficiency
I understand that your time is valuable. My aim is to simplify and streamline the mortgage process as much as possible. By utilizing technology and efficient processes, I ensure a smooth experience from application to closing. I handle the paperwork and coordinate with all parties involved, keeping you informed at every step. This efficiency helps reduce stress and allows you to focus on what matters most—finding your new home.
Mortgage Programs Offered
First-Time Homebuyer Program
This program is designed specifically for individuals and families looking to purchase their first home. It provides several benefits, including:
Lower Down Payment Options: Many lenders offer programs allowing first-time buyers to put down as little as 5% or even less in some cases, making homeownership more accessible.
Government Grants and Incentives: Participants may qualify for various government programs, such as the First-Time Home Buyer Incentive, which can assist with down payment costs.
Educational Resources: Clients will receive guidance on the mortgage process, budgeting for a home, and understanding credit scores to ensure they are well-prepared.
Conventional Mortgage
Conventional mortgages are standard loan options available for a wide range of homebuyers. Key features include:
Flexible Loan Amounts: These mortgages can accommodate various loan amounts, allowing buyers to choose a home that meets their needs.
Competitive Interest Rates: With a strong credit score and substantial down payment (typically 20%), clients can benefit from lower interest rates, ultimately saving money over the loan term.
No Mortgage Insurance: Clients who put down at least 20% are not required to pay for private mortgage insurance (PMI), reducing monthly payments.
Investment Property Loans
This program is geared toward investors looking to purchase rental properties. Key highlights include:
Financing Options for Multiple Properties: Clients can secure loans for various investment properties, whether single-family homes, multi-unit buildings, or commercial properties.
Potential for Higher Returns: Investment property loans often offer favorable terms and lower down payment requirements compared to traditional financing.
Rental Income Consideration: Lenders may consider potential rental income when evaluating a borrower’s application, enhancing the client’s borrowing capacity.
Home Equity Line of Credit (HELOC)
A HELOC is a revolving line of credit based on the equity in a client’s home, offering flexibility and financial freedom. Key features include:
Access to Funds as Needed: Clients can withdraw funds as needed, making it an excellent option for home improvements, education expenses, or unexpected costs.
Interest Only Payments: During the draw period, clients may only need to make interest payments, which can ease financial strain.
Potential Tax Benefits: Interest paid on a HELOC may be tax deductible, depending on how the funds are used (consult a tax professional for details).
Refinancing Options
This program is designed for current homeowners looking to adjust their mortgage terms for better rates or cash-out opportunities. Key highlights include:
Lower Interest Rates: Homeowners can refinance to secure a lower interest rate, reducing monthly payments and saving money over the loan’s life.
Cash-Out Refinancing: This option allows clients to access the equity in their home for major expenses, such as renovations or debt consolidation.
Shorten Loan Terms: Homeowners can choose to refinance to a shorter loan term, which may increase monthly payments but significantly reduce the total interest paid over time.
Ready to take the first step toward homeownership? Don’t navigate the mortgage maze alone! Contact me today to schedule a free consultation, and let’s discuss your unique needs. Together, we’ll find the best mortgage solution tailored just for you. Your dream home is closer than you think!
Frequently Asked Questions
What services do you provide as a mortgage broker?
I offer a range of services, including first-time homebuyer programs, refinancing options, and investment property loans. My goal is to tailor solutions to your specific needs.
How much do you charge for your services?
Typically, my services are compensated by lenders, meaning you can access my expertise without paying upfront fees. However, I ensure transparency in all costs involved.
Can you help me with bad credit?
Yes! I work with various lenders who offer solutions for individuals with less-than-perfect credit. Let’s discuss your situation and explore your options.
How long does the mortgage approval process take?
The timeline varies depending on several factors, but I strive to make the process as quick and efficient as possible. Generally, it can take a few days to a couple of weeks.
What do I need to prepare before we meet?
It’s helpful to gather financial documents such as your income statements, credit reports, and any existing loan information. This will allow us to have a productive discussion about your mortgage options.
++ Best Home Loan Brokers in Canada|| Best Home Loan Brokers in Canada|| Best Home Loan Brokers in Canada
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Journey
Standing atop the Calgary Tower, I can almost glimpse the Golden Boy perched on Legislative Building,
his gilded torso gleaming like the stolen gold that paved the railways, connected our concrete hearts.
Rivers flow through my veins, ancient arteries carrying the silt of history,
River current during the spring thaw, bursting its banks.
I trace the lines on yr palm, a map of the Wapiti Valley
the hoodoos of Drumheller rising
In the shadow of the Saddledome, we two-step to heartbeat
Buffalo Hunt pounding like pistons
Watch the prairie crocuses bloom in defiance of winter's grasp,
lay down in the grass by the Leo Mol Sculpture Garden, bronze faces.
Drive across the Prairie provinces, please—
stop at the Inglis Grain Elevators, once-mighty Prairie Giants standing sentinel.
I want to take you to The Forks,
walk across the Esplanade Riel, the bridge a scar across the flayed Red River,
wander the streets of St. Boniface, the cathedral bells, a rebellion song.
Stand on the corner of Selkirk and Main,
Climb the stairs of the Peace Bridge, a steel ribbon
watch the sun set fire to the Rockies, skyline a jagged jaw rising from the jut of yr collar bone.
I want to take you to Nose Hill, trace the outline of yr body in the prairie grass, wildflowers blooming in the hollows,
the whole wide sky watching as we make love, the land itself rising up to meet us, the force of our union.
Drive Icefields Parkway, past glacier-fed lakes turquoise
Plant Saskatoon berries in the back forty of our spines, wild chokecherries in the creases of our thighs,
build a home in the aspen parkland—
Canopy filtering the light, dappled across our faces.
We are two Red River carts hitched together, ruts of our passage marking the land—
I could traverse the Trans-Canada a thousand times and always find my way back to you, my true magnetic north,
We'll blanket fort in the Turtle Mountains, stitch our stories into the fabric of the land,
embroider a new constellation to guide the lost and weary travelers home.
Forget the railroad, forget the Stampede, forget the Hudson's Bay Company, forget the colonial measuring of love.
The next Red River Rebellion, unstoppable as Prairie wildfire
Let the wheat fields bear witness, the canola a sea of yellow sighs, the endless blue sky our cathedral ceiling.
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Events 11.9 (1910-1970)
1913 – The Great Lakes Storm of 1913, the most destructive natural disaster ever to hit the lakes, reaches its greatest intensity after beginning two days earlier. The storm destroys 19 ships and kills more than 250 people. 1914 – SMS Emden is sunk by HMAS Sydney in the Battle of Cocos. 1917 – The Balfour Declaration is published in The Times newspaper. 1918 – Kaiser Wilhelm II of Germany abdicates after the German Revolution, and Germany is proclaimed a Republic. 1921 – The National Fascist Party (Partito Nazionale Fascista or PNF) is founded in Italy. 1923 – In Munich, police and government troops crush the Nazi Beer Hall Putsch. 1935 – The Committee for Industrial Organization, the precursor to the Congress of Industrial Organizations, is founded in Atlantic City, New Jersey, by eight trade unions belonging to the American Federation of Labor. 1936 – American fashion designer Ruth Harkness encounters and captures a nine-week-old panda cub in Sichuan; it becomes the first live giant panda to enter the United States. 1937 – Second Sino-Japanese War: The Chinese Army withdraws from the Battle of Shanghai. 1938 – Kristallnacht occurs, instigated by the Nazis using the killing of German diplomat Ernst vom Rath by Herschel Grynszpan as justification. 1940 – Warsaw is awarded the Virtuti Militari by the Polish government-in-exile. 1942 – Battle of Stalingrad: German forces of the 6th Army under general Friedrich Paulus reach finally the river bank of the Volga, capturing 90% of the ruined city of Stalingrad and splitting the remaining Soviet forces into two narrow pockets. 1943 – An agreement for the foundation of the United Nations Relief and Rehabilitation Administration is signed by 44 countries in the White House, Washington, D.C. 1945 – Soo Bahk Do and Moo Duk Kwan martial arts are founded in Korea. 1953 – Cambodia gains independence from France. 1960 – Robert McNamara is named president of the Ford Motor Company, becoming the first non-Ford family member to serve in that post. He resigns a month later to join the newly elected John F. Kennedy administration. 1963 – At a coal mine in Miike, Japan, an explosion kills 458 and hospitalises 839 with carbon monoxide poisoning. 1965 – Several U.S. states and parts of Canada are hit by a series of blackouts lasting up to 13 hours in the Northeast blackout of 1965. 1965 – A Catholic Worker Movement member, Roger Allen LaPorte, protesting against the Vietnam War, sets himself on fire in front of the United Nations building. 1967 – Apollo program: NASA launches the unmanned Apollo 4 test spacecraft, atop the first Saturn V rocket, from Florida's Cape Kennedy.
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Voice of America 0339 1 Nov 2024
6080Khz 0328 1 NOV 2024 - VOICE OF AMERICA (UNITED STATES OF AMERICA) in ENGLISH from MOPENG HILL. SINPO = 45333. English, "Daybreak Africa" in progress fb news @0330z anchored by Alexis Strope. § Most of the North Korean troops sent to Russia are now deployed near the Ukrainian border and are expected to join the fight against Ukraine “in the coming days,” according to top U.S. and South Korean diplomats and military officials. “We now assess that there are some 10,000 North Korean soldiers in total in Russia, and the most recent information indicates that as many as 8,000 of those North Korean forces have been deployed to the Kursk region,” U.S. Secretary of State Antony Blinken said Thursday. § Five people were killed in northern Israel by projectiles fired from Lebanon, including an Israeli farmer and four foreign workers, authorities said. Lebanon said Israeli strikes killed at least eight people, including six health workers in the country’s south. Meanwhile, Palestinian officials said an Israeli attack in the occupied West Bank killed three people. The Israeli military said it also struck Hezbollah weapons depots and bases in Syria, where it claimed the militant group recently began storing weapons along the Syria-Lebanon border to smuggle them into Lebanon. And in Gaza, at least 46 Palestinians were killed Thursday in Israeli military strikes across the enclave, primarily in the territory’s north, where one attack hit a hospital, local health officials said. The Israeli military accused Hamas of using the hospital for military purposes and said “dozens of terrorists” have been hiding there, which health officials and Hamas denied. § Crews searched for bodies in stranded cars and sodden buildings Thursday as residents salvaged what they could from their ruined homes following monstrous flash floods in Spain that claimed at least 158 lives, with 155 deaths confirmed in the eastern Valencia region alone. § 100s of Ecuadoreans hit the streets for anti-government protests amid widespread power cuts. Ecuador's worst drought in over 60 years has plunged the hydropower-dependent country into an energy crisis as diminished reservoirs leave hydroelectric dams offline, pushing the government to impose power cuts to limit the strain on electricity supplies. § The European Union is investigating Chinese online retailer Temu over suspicions it's failing to prevent the sale of illegal products, the 27-nation bloc's executive arm said on Thursday. Temu started entering Western markets only in the past two years and has grown in popularity by offering cheap goods, from clothing to home products, that are shipped from sellers in China. The company, owned by Pinduoduo Incorporated, a popular e-commerce site in China, now has 92 million users in the EU. § Canadian police dismantled what they said Thursday is the largest, most sophisticated illicit drug “super lab” in the country. The Royal Canadian Mounted Police believe organized crime ran the operation where there was mass-production and distribution of fentanyl and methamphetamine across Canada and internationally. @0335z "International Edition" begins. MLA 30 amplified loop (powered w/8 AA rechargeable batteries ~10.8vdc), JRC NRD-535D. 100kW, beamAz 350°, bearing 84°. Received at Plymouth, MN, United States, 14087KM from transmitter at Mopeng Hill. Local time: 2228.
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First-Time Home Buyer's Guide to Getting a Mortgage in Mississauga
Buying your first home is a significant milestone, but navigating the mortgage process can be challenging, especially in a competitive market like Mississauga. From understanding mortgage types to preparing your application, this guide will walk you through everything you need to know to secure your first mortgage confidently.
Understand Mortgage Basics
What is a Mortgage? A mortgage is a loan specifically designed for purchasing property, with the home as collateral. Typically, you'll make regular payments over an agreed-upon term until the total amount, plus interest, is paid off.
Key Mortgage Terms to Know:
Principal: The initial amount of the loan.
Interest Rate: The percentage you'll pay on top of the principal.
Amortization Period: The total time it takes to pay off the loan, often 25 years in Canada.
Term: The current agreement with the lender usually ranges from 1 to 5 years.
Choose the Right Type of Mortgage
Fixed vs. Variable Interest Rates
Fixed-Rate Mortgages: The interest rate stays the same for the term, making your monthly payments predictable.
Variable-Rate Mortgages: The interest rate may fluctuate based on market conditions, meaning monthly payments can vary.
Open vs. Closed Mortgages
Open Mortgages: Offer flexibility to pay off your mortgage early or make lump-sum payments without penalties.
Closed Mortgages: Have lower interest rates but limit your options for early repayment.
Selecting the right mortgage depends on your financial situation and your comfort with risk.
Check Your Financial Health
Your finances will heavily influence your eligibility and mortgage terms. Lenders typically evaluate:
Credit Score: A higher score (usually 650 and above) may help secure better rates.
Debt-to-Income Ratio: A lower ratio indicates you have enough income to manage new debt.
Down Payment: The minimum down payment in Canada is 5% for homes up to $500,000. For homes between $500,000 and $1 million, you'll need 5% for the first $500,000 and 10% for the remainder.
If your credit score needs improvement, consider paying down outstanding debts and making timely payments on all bills.
Save for a Down Payment
The down payment is a percentage of the property's purchase price and directly affects your mortgage amount. For first-time buyers, saving for a down payment can feel daunting, but the following programs may help:
Home Buyers' Plan (HBP): This allows you to withdraw up to $35,000 from your RRSP for a down payment without tax penalties, provided you repay it within 15 years.
First-Time Home Buyer Incentive (FTHBI): Offers 5-10% of the home's purchase price through a shared equity loan, which is repaid when you sell the property.
Building your down payment savings by setting aside funds regularly and avoiding significant, unnecessary expenses will accelerate your journey to homeownership.
Get Pre-Approved for a Mortgage
A mortgage pre-approval clarifies how much you can borrow and strengthens your offer in the Mississauga real estate market. It also locks in a current interest rate for up to 120 days. To get pre-approved, gather the following:
Proof of Income: Recent pay stubs, T4 slips, or tax returns.
Employment Verification: Letter from your employer confirming your role and salary.
List of Assets and Liabilities: Any assets you own, like vehicles or savings, and liabilities, like credit card debt or student loans.
Identification: To confirm your identity and residency status.
Being pre-approved shows sellers that you're a serious buyer and allows you to focus on homes within your budget.
Find the Right Lender or Mortgage Broker
Finding the right mortgage provider is crucial for favorable terms and a smooth experience. You can work with:
Banks and Credit Unions: Offer mortgages with set terms and typically a higher level of security but less flexibility.
Mortgage Brokers: Act as intermediaries, helping you shop for competitive rates and terms from multiple lenders.
Brokers can be beneficial for first-time buyers. They can guide you through available options and ensure you get the best deal for your financial profile.
Budget for Additional Costs
In addition to the down payment and monthly mortgage payments, other costs include:
Closing Costs: These cover lawyer fees, title insurance, and land transfer tax (usually 1-2% of the home's purchase price).
Home Insurance: Required by lenders to protect the property.
Property Taxes and Utilities: These are regular costs you'll need to budget for monthly expenses.
Maintenance and Repair: Planning for ongoing upkeep, especially if the home is older.
Having a financial cushion for these additional costs will reduce stress and prevent unpleasant surprises post-purchase.
Submit Your Mortgage Application and Close the Deal
After you've chosen a lender and been pre-approved, it's time to finalize your mortgage application. Be prepared to provide further documentation if requested. Once approved, you'll sign the mortgage agreement and close the sale. During this phase:
Hire a Real Estate Lawyer To review the contract, conduct a title search, and finalize all paperwork.
Finalize Insurance: Ensure adequate property insurance coverage from the closing date.
With the closing paperwork complete, you're officially a homeowner!
Final Thoughts
As a first-time home buyer in Mississauga, securing a mortgage takes careful preparation and informed decisions. By understanding each step of the mortgage process, strengthening your financial profile, and choosing the right experts to guide you, you'll be ready to make your homeownership dreams a reality. Owning a home is both a valuable investment and a significant milestone. With this guide, you're set to navigate the process confidently, knowing you've built a strong foundation for a successful purchase in Mississauga's dynamic real estate market. Contact us more information
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How to Start a Trucking Business with One Truck in Canada: Growing Your Business.
Starting a trucking business with one truck in Canada can be a rewarding venture. Whether you're seeking independence, flexibility, or the potential for growth, the trucking industry offers numerous opportunities. This guide will walk you through the essential steps to get your business off the ground and provide strategies for scaling up successfully.
Understanding the Market
Before diving into the logistics, it’s crucial to understand the Canadian trucking market. Researching the industry trends, demand for trucking services, and competitors will give you a solid foundation. Look into the types of freight that are most commonly transported, the regions with the highest demand, and the typical rates charged.
Legal Requirements and Permits
To start a trucking business with one truck in Canada, you need to comply with various legal requirements. Here are the key steps:
. Register Your Business
Choose a business name and register it with the appropriate provincial or federal authorities. This step ensures that your business is recognized legally.
. Obtain a Business Number and GST/HST Account
Register for a business number through the Canada Revenue Agency (CRA) and set up a GST/HST account if your revenues are expected to exceed $30,000 annually.
. Secure Necessary Permits
Depending on your location and the type of freight you plan to transport, you might need several permits and licenses, such as:
Commercial Vehicle Operator's Registration (CVOR)
International Registration Plan (IRP) for operating across provinces or into the U.S.
International Fuel Tax Agreement (IFTA) for fuel tax reporting
Financing Your Trucking Business
Securing financing is a critical step in starting your trucking business. Consider the following options:
. Personal Savings
Using personal savings is a common way to finance your business initially. It reduces the burden of debt and interest payments.
. Bank Loans
Approach banks or credit unions for business loans. Prepare a solid business plan to present to lenders, highlighting your market research, revenue projections, and business strategy.
. Leasing or Financing Your Truck
Explore leasing or financing options for your truck. This can help manage upfront costs and improve cash flow.
Choosing the Right Truck
Selecting the right truck is essential for the success of your business. Consider factors such as fuel efficiency, maintenance costs, and the type of freight you'll be hauling. It’s also crucial to ensure that the truck complies with Canadian safety and environmental standards.
Building Your Brand and Finding Clients
Building a strong brand and client base is vital to growing your business. Here are some strategies to consider:
. Create a Professional Image
Develop a professional brand with a logo, website, and business cards. A strong online presence will help attract clients.
. Network
Networking is key in the trucking industry. Attend industry events, join trucking associations, and connect with potential clients through social media and professional networks.
. Market Your Services
Use digital marketing strategies, such as search engine optimization (SEO), pay-per-click (PPC) advertising, and social media marketing, to reach potential clients. Highlight your reliability, safety record, and competitive rates.
Managing Operations and Growth
Efficient operations management is critical as your business grows. Implementing effective systems and processes will help you scale up smoothly.
. Invest in Technology
Invest in fleet management software to streamline operations, track deliveries, and manage maintenance schedules.
. Hire Skilled Drivers
As your business expands, hiring skilled and reliable drivers is crucial. Ensure they have the necessary licenses and provide ongoing training to maintain safety standards.
. Plan for Expansion
Develop a strategic plan for growth. This might include adding more trucks to your fleet, expanding to new regions, or offering additional services.
Starting a trucking business with one truck in Canada is a challenging but rewarding endeavor. By understanding the market, complying with legal requirements, securing financing, and building a strong brand, you can set a solid foundation for your business. Efficient operations management and strategic growth planning will help you scale up successfully. For more guidance on managing compliance and operations in your trucking business, consider partnering with eldmandate. They offer valuable resources and support to ensure your business thrives. Remember, growing your business starts with a single truck and a solid plan.
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Breaking Barriers: How Foreigners Can Start a Business in Canada
Canada has long been known for its welcoming stance towards immigrants and its robust economy. For foreigners, this makes it an attractive destination not only to live but also to start a business. However, navigating the Canadian business landscape as a non-citizen can be complex. This blog aims to break down the barriers and provide a comprehensive guide on how foreigners can start a business in Canada, ensuring their future success in this promising land.
Why Choose Canada?
Before diving into the specifics of starting a business, it's important to understand why Canada is such an appealing option for foreign entrepreneurs. Here are a few reasons:
1. Stable Economy
Canada boasts one of the most stable economies in the world. Its banking system is robust, and the country has consistently demonstrated resilience against global economic downturns. This stability provides a solid foundation for new businesses.
2. Supportive Business Environment
The Canadian government actively supports entrepreneurship. There are numerous grants, loans, and tax incentives available to businesses, particularly those in innovative sectors like technology, clean energy, and health sciences.
3. Diverse and Skilled Workforce
Canada's multicultural society means a diverse and highly skilled workforce is readily available. This diversity can be a significant advantage in a globalized market.
4. Quality of Life
Canada consistently ranks high in quality of life indices. Its healthcare system, education, and social services are top-notch, making it an attractive place for entrepreneurs and their families.
5. Access to Markets
With its strategic location, Canada offers easy access to both the U.S. market and other international markets through trade agreements like USMCA (United States-Mexico-Canada Agreement) and CETA (Comprehensive Economic and Trade Agreement) with the European Union.
Step-by-Step Guide to Starting a Business in Canada
1. Determine Your Eligibility
Before you can start a business in Canada, you need to determine your eligibility. Canada has several immigration programs that cater to entrepreneurs, each with its own set of requirements.
a. Start-Up Visa Program
This program is designed for innovative entrepreneurs who want to build a business in Canada. To qualify, you must have a business that is supported by a designated organization, meet language requirements, and have sufficient settlement funds.
b. Provincial Nominee Programs (PNP)
Each Canadian province and territory has its own PNP that targets entrepreneurs. These programs have different criteria and application processes. It’s crucial to research the specific requirements of the province where you wish to establish your business.
c. Self-Employed Persons Program
This program is for individuals who will be self-employed in cultural or athletic activities. Applicants must have relevant experience and intend to make a significant contribution to Canadian cultural or athletic life.
2. Develop a Business Plan
A well-crafted business plan is essential. It not only guides your business strategy but is also a critical component of your immigration application. Your business plan should include:
Executive Summary: A brief overview of your business concept.
Market Research: Analysis of your target market and competition.
Marketing Strategy: How you plan to attract and retain customers.
Operational Plan: Details of how your business will operate.
Financial Plan: Projections of your revenue, expenses, and profitability.
3. Secure Funding
Securing adequate funding is one of the biggest challenges for any entrepreneur. As a foreigner, you might have additional hurdles, but Canada offers several resources to help you.
a. Personal Savings
Using personal savings is the most straightforward way to fund your business. It demonstrates your commitment and reduces reliance on external funding.
b. Government Grants and Loans
Canada has numerous grants and loans available to small businesses. Research programs like the Canada Small Business Financing Program and regional development agencies that offer financial support.
c. Investors and Venture Capital
If your business has high growth potential, you might attract investors or venture capital. The Start-Up Visa Program, for instance, requires support from designated venture capital funds, angel investor groups, or business incubators.
4. Choose a Business Structure
Selecting the right business structure is crucial for legal and tax purposes. In Canada, the common business structures include:
Sole Proprietorship: Simplest form, but the owner is personally liable for business debts.
Partnership: Involves two or more people. There are general partnerships and limited partnerships, each with different levels of liability.
Corporation: A separate legal entity from its owners, offering limited liability. This structure is more complex and expensive to set up but is beneficial for larger businesses.
Co-operative: Owned and operated by a group of individuals for their mutual benefit.
5. Register Your Business
Once you've chosen a business structure, you need to register your business. The registration process varies by province, but generally involves:
Choosing a Business Name: Ensure your business name is unique and complies with provincial naming regulations.
Registering with the Government: This may include registering for a Business Number, GST/HST, payroll, and import/export accounts.
Incorporation: If you're setting up a corporation, you'll need to file articles of incorporation with the federal or provincial government.
6. Comply with Legal Requirements
Understanding and complying with Canadian laws is crucial. Here are some key areas to consider:
a. Permits and Licenses
Depending on your industry and location, you might need specific permits and licenses to operate. Check with local, provincial, and federal authorities to ensure compliance.
b. Employment Laws
If you plan to hire employees, you must adhere to Canadian employment laws, including minimum wage, working hours, and workplace safety regulations.
c. Taxation
Understand your tax obligations. This includes federal and provincial taxes, GST/HST, payroll taxes, and potentially customs duties if you're importing goods.
7. Open a Business Bank Account
A separate business bank account is essential for managing your finances. Most Canadian banks offer tailored services for businesses, including checking accounts, credit cards, and loans.
8. Set Up Accounting and Bookkeeping
Proper accounting and bookkeeping are vital for tracking your business performance and ensuring compliance with tax laws. Consider hiring an accountant or using accounting software to manage your finances.
9. Market Your Business
Effective marketing is crucial for attracting customers. Here are some strategies:
a. Online Presence
Create a professional website and use social media platforms to reach your audience. Consider online advertising and search engine optimization (SEO) to increase visibility.
b. Networking
Join local business associations and attend networking events to build relationships and promote your business.
c. Traditional Marketing
Depending on your target market, traditional marketing methods like print advertising, direct mail, and public relations can also be effective.
10. Leverage Support Networks
Canada offers various support networks for entrepreneurs, including:
Business Development Canada (BDC): Provides financing, advisory services, and resources.
Canada Business Network: Offers information on planning, starting, and growing a business.
Chambers of Commerce: Local chambers offer networking opportunities and support for businesses.
Overcoming Common Challenges
Starting a business as a foreigner in Canada comes with its own set of challenges. Here are some common hurdles and how to overcome them:
1. Cultural Differences
Understanding Canadian business culture is crucial. This includes communication styles, business etiquette, and customer expectations. Take the time to learn about these cultural nuances to avoid misunderstandings and build strong relationships.
2. Regulatory Hurdles
Navigating the regulatory landscape can be daunting. Seek legal advice to ensure compliance with all regulations. Joining business associations can also provide valuable guidance and support.
3. Access to Capital
Accessing capital can be more challenging for foreigners. Building a solid business plan and demonstrating your commitment can help attract investors. Additionally, explore government grants and loans specifically designed to support new businesses.
4. Building a Network
Building a network from scratch can be challenging. Attend networking events, join local business groups, and engage with your community to build valuable connections.
5. Language Barrier
If English or French is not your first language, consider taking language courses to improve your proficiency. Effective communication is essential for business success.
Success Stories of Foreign Entrepreneurs in Canada
Many foreign entrepreneurs have found success in Canada. Here are a few inspiring stories:
1. Elon Musk
Before becoming a household name, Elon Musk moved from South Africa to Canada. He attended Queen’s University in Ontario before transferring to the University of Pennsylvania. Musk’s entrepreneurial journey in North America began in Canada, where he laid the foundation for his future ventures.
2. Mohamad Fakih
Mohamad Fakih, originally from Lebanon, founded Paramount Fine Foods, a chain of Middle Eastern restaurants. He started with a single location in Mississauga, Ontario, and has since expanded to multiple locations across Canada. Fakih’s success story highlights the potential for growth and expansion in the Canadian market.
3. Reetu Gupta
Reetu Gupta, of Indian descent, is the CEO of the Easton’s Group of Hotels. She has played a significant role in expanding the family business and making it one of Canada’s largest private hotel development firms. Gupta’s journey showcases the opportunities available in the hospitality industry for foreign entrepreneurs.
Conclusion and Call to Action
Starting a business in Canada as a foreigner is a challenging yet rewarding endeavor. The country’s stable economy, supportive business environment, and high quality of life make it an attractive destination for entrepreneurs. By understanding the eligibility requirements, developing a robust business plan, securing funding, and complying with legal regulations, you can overcome barriers and pave the way for your business success in Canada.
Whether you’re inspired by success stories or motivated by the numerous opportunities, Canada offers a promising landscape for foreign entrepreneurs. Take the first step towards securing your future by exploring the Canadian business landscape and turning your entrepreneurial dreams into reality.
If you’re ready to start your business journey in Canada, begin by researching the immigration programs and developing a solid business plan. Reach out to local business associations and leverage available resources to ensure a smooth transition. With determination and the right support, you can break barriers and achieve success in the Canadian business landscape.
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