#weekly earnings in canada

[inc-immigrationnewscanada]

Know Canada Weekly Earnings In All The Provinces

On January 26, 2023 – Statistics Canada released latest data for average weekly earnings in Canada. They also released the industry-wise and province-wise weekly earnings data. Overall average weekly earnings in Canada increased by 4.2% to $1,180.21. The job openings fell in six provinces, with Newfoundland and Labrador losing the most (-35.3% to 5,500), followed by Manitoba (-26.5% to 20,600),…

[spnfanficpond]

Weekly Pond Newsletter

Admin Michelle here! DC was awesome, and I'm still in recovery mode, so if some weird shit happens in this post, just know I'm probably napping on my keyboard. 🤣

Old Business:

SPNFanFicPond Fic Highlights - We've got THREE excellent fics here for you to read!

A Wish To Build A Dream On by @zepskies - Dean x Latina!Reader. This is part of a series but can be read alone. Canon-compliant and based around the 300th episode, Lebanon.

Haunted by @kickingitwithkirk - Sam x reader. One-shot. Canon-compliant. Whumpish/comfort.

How My Light Is Spent by Edge_of_Clairvoyance (AO3) - No pairing. Canon-compliant. Dean & Sam, Stanford-era. Hurt/comfort.

SPN Rewatch: FanFic Edition - We had a great chat yesterday about 3.03 Bad Day At Black Rock and 3.04 Sin City! The episode docs in The Archive are updated, but the theme docs are not. Your patience is appreciated!

#TweetFicTues prompts -

New Business:

Fishing For Treasures - A new month starts soon, which means a new theme for FFT! October's theme is AU Fics! The @fanficocean will be celebrating non-SPN AU fics next weekend, while we here at the Pond will celebrate the 19th and 20th. We can't wait to see all the fics you guys rec to us!

Angel Fish Awards - The deadline for nominating fics and earning entries into September's raffle is Monday night, midnight, EDT! (You can nominate at any time, but the raffle has a deadline each month.) Click here to read all about how to participate!

New Member Spotlight - The post will go up soon, so keep an eye out!

(Divider by @glygriffe!)

That’s all for this week! To see all Pond events, and also other SPN-related things like conventions and online concerts, check out our Google calendar! Click here for a static view in Eastern US/Canada time (desktop only, no mobile app access, sadly), and click here to add our calendar to your own Google calendar! We try to keep it as up-to-date as possible. If there’s something you want to see on the calendar that’s not there (maybe a convention we missed, cast birthdays, or something similar), send us an ASK and let us know!

Hope you have a great week! - From your Admins and Manta Rays, @manawhaat, @mrswhozeewhatsis, @mariekoukie6661, @thoughtslikeaminefield, @heavenssexiestangel, and @spn-fanfic-reblog-writes!

[brf-rumortrackinganon]

Timeline: Part 9 - December 1-10 2017

For earlier timeline posts: click here or here.

December starts out strong with a daily bombardment of tons of stories about Meghan and/or Harry. Their PR backs off in the middle of the month, but only barely. Luckily for us, there is salvation: Meghan gets her first, second, third, and fourth dose of royal criticism.

Like I mentioned in the November 2017 timeline, this month sees Meghan pulling her support from Star Magazine, US Weekly, and E Online. People Magazine begins to earn her loyalty instead.

Ok, apparently I exceeded the limit of links that can be in a Tumblr post. the December edition is going to be split up into smaller segments. I've got a solution for how to fix this going forward, but it's going to take some time to figure out how to implement it.

12/1/2017: Fleet Street has a fever and the solution is more Harkle coverage.

Doria is papped at a laundromat in California.

Another story about Ninaki's photos of Meghan.

Can Kate cope with Meghan Mania?

Harry and Meghan make their first appearance together at a royal engagement.

Meghan and Pippa look alike.

Meghan and Harry's engagement is straight from Love Actually.

Meghan's old men's magazine photoshoot resurfaces.

Replica of Meghan's ring is an instant bestseller.

Meghan merches her outfit.

Meghan's 1993 Nick at Nite appearance reserfaces.

Meghan is Best Dressed of the Week.

Meghan's resume will seriously surprise us.

Anything Kate can do, Meghan can do better: First Royal Engagement edition.

Meghan's royal style vs her old Suits style.

Meghan leaks intent to visit US and Canada after the wedding in her first official foreign royal tour.

12/2/2017: Meghan's "draw your own box" essay goes viral again, as does her old Larry King Show interview. The Markles sell more pictures of Meghan, Meghan once tried to hook up with Ashley Cole but failed, and she makes a dig at William and Kate with a story about her and Harry holding hands.

12/3/2017: Meghan merches the Botswana camp again. The Times writes about Meghan's old instagram account and Bogart and leads speculation about bridesmaids and pageboys. Et tu, Times?!

Note: December 2 is a Saturday and December 3 is a Sunday. How nice Meghan's PR gave us a break for the weekend. But don't worry...the bombardment is back!

12/4/2017: Harkle Mania continues

About Meghan's ring

Meghan once auditioned for Shakira

All about Thomas Markle

Meghan leaks her expectations of marital bliss.

Meghan leaks that Harry has asked William to his best man. (Note, in Spare, Harry argues that this leak came from Kensington Palace but the source is US Weekly...Meghan's magazine.)

Wedding dress designer predictions

Meghan Markle Under Fire: Why is the Future Princess the Subject of So Much Scrutiny? (From E News, a Meghan affiliate)

Let the Misogynistic Public Shaming of Meghan Markle Now Commence (From Vogue, part of the CondeNast empire, to which People Magazine also belongs...Meghan affiliate)

Meghan Markle the garden influencer

Meghan's photoshoot charity work in Rwanda resurfaces.

What's with Prince Harry, Meghan Markle, and Bananas? (I kid you not, that's the title of the article.)

Will Meghan's wedding be like Pippas?

Meghan and Harry love bananas some more - they merch a banana cake.

12/5/2017: New day, same shit. Senior royals attend the Diplomatic Reception at Buckingham Palace but Meghan and Harry skip it to attend the Henry van Straubenzee Memorial Fund carol concert (pssh...like they were even invited to the Diplomatic Reception in the first place).

Daily Mail promotes Suits

Meghan's style inspiration is Carolyn Bessette-Kennedy.

Meghan merches clothes from when she was a teenager.

Harry appears on Top Gear.

Meet Meghan's celebrity doppelganger.

Meghan wants to wear the Spencer tiara for the wedding.

Meghan merches her engagement ring again.

Meghan the beauty icon.

12/6/2017: (le sigh...)

Who does Meghan curtsey to?

Meghan manifests The Lover's Knots Tiara for the wedding.

Nobody told Meghan she was pretty as a kid. (But did they ask her if she was OK?)

Meghan leaks about Ninaki's betrayal.

Harry attends the London Fire Brigade Carol Service alone, and so does his ex, Cressida. Meghan is upset and leaks that she is in LA visiting her mother.

Meghan merches Strathberry.

Can Meghan rewrite the royal fairytale?

Meghan the fashion influencer

12/7/2017: Another story about Misha Nonoo being the royal matchmaker. Thomas Markle does a papwalk. Meghan merches a pilates workout and is "incredibly moved" by how much people love her.

12/8/2017: The Crown Season 2 is released on Netflix

Meghan's old home video of her driving around LA resurfaces.

How Meghan won over Harry's friends.

Doria gets papped in LA.

Meghan leaks that she and Harry are staying with William and Kate at Anmer Hall for Sandringham Christmas.

Meghan leaks that William is planning Harry's stag party.

Meghan manifests for Selena Gomez to play her on The Crown.

World Vision promotes Meghan's charity work again.

All about Nottingham Cottage and Meghan's interior design style

Kate takes style inspiration from Meghan

12/9/2017: Meghan merches her Toronto rental. Harry quits smoking.

12/10/2017:

Meghan's old Tig article waxing poetic on Ivanka Trump resurfaces.

Harry goes to Germany with friends for a hunting party.

Doria does a papwalk.

Kensington Palace announces that Meghan will attend Sandringham Christmas and that she is expected to attend the Windsor Christmas luncheon at Buckingham Palace.

Old photos from a 2009 TV appearance Meghan did resurface.

William and Harry choose a sculptor for Diana's Kensington Palace statue.

Meghan hailed as a royal fashion asset.

[the-quotable-alberta-hansard]

December 4, 2024

Mr. Guthrie: Mr. Speaker, in the words of Ricky Bobby, “If you ain’t first, you’re last,” and Alberta: they’ve been racking up a whole lot of firsts. Let me walk you through it: lowest personal taxes, lowest corporate taxes, zero sales tax. Per capita GDP growth: number one. Labour productivity? That’s a big ten-four. Average weekly earnings? You got it; number one. This isn’t even fair, Mr. Speaker. We’ve got the strongest economy in Canada, and when you plug in a highly skilled workforce, it means better jobs and bigger paycheques. You know what we call that? Shake and bake. [interjections]

[skrillnetworkblog]

📈 TSX Hits Record High: Key Market Insights 🎯

💡 Highlights at a Glance:

📊 All-Time High: TSX Composite Index climbs 0.53% to 25,816.05.

📄 Jobs Data Effect: Canadian & U.S. jobs data bolster rate cut optimism.

🚀 Tech Stocks Lead: Growth in tech offsets concerns over unemployment.

🔎 TD Bank in Focus: Analysts reassess amid earnings miss and strategic shifts.

🌟 A Record Day for the TSX!

The Toronto Stock Exchange celebrated a historic day, closing at a record 25,816.05, driven by jobs data and rate cut hopes in Canada and the U.S. Despite mixed economic indicators, optimism surged in key sectors.

🖥️ Tech Takes the Spotlight

Tech stocks powered the rally as investors bet on growth-oriented sectors, anticipating lower borrowing costs.

📉 Oil Woes: Energy stocks faltered with Brent crude at $67.53/barrel (-1%).

✨ Gold Holds: Gold prices edged up 0.1% to $2,636/oz, despite weekly declines.

💼 TD Bank Under Scrutiny

Toronto-Dominion Bank (TSX: TD) grabbed headlines after a 7% stock drop following its Q4 earnings miss.

Analyst Actions:

RBC & Scotiabank downgraded TD to "sector perform."

CIBC maintained "outperform" with optimism for long-term growth post-2025.

Incoming CEO Raymond Chun faces pressure to reshape strategy, including potential asset sales and operational changes.

📉 Jobs Data: The Rate Cut Catalyst

Mixed Canadian labor data boosted rate cut expectations:

Unemployment Rate: Rose to 6.8% in November.

Jobs Added: Surpassed forecasts with 50,500 new roles.

Futures markets now show a 68% chance of a 50-basis-point rate cut by December 11.

🌍 Global Market Trends

U.S. Rally: Dow Jones, S&P 500, and Nasdaq gained on rate cut optimism.

Europe: STOXX 600 edged up 0.4%, while FTSE 100 remained steady.

Asia: Chinese tech stocks surged, lifting the MSCI Asia-Pacific Index by 0.2%.

🚀 A Look Ahead: Optimism Prevails

Despite challenges in sectors like energy and banking, TSX's record-breaking performance underscores investor confidence. With rate cuts looming, market momentum is expected to shape the early tone of 2025.

✨ Stay tuned as the TSX navigates this high-stakes environment!

Visit - https://www.skrillnetwork.com/tsx-hits-record-high-boosted-by-jobs-data-and-tech-stocks

[fyntix]

Can you pay off your mortgage at renewal without penalty

Paying off your mortgage at renewal time in Canada can be a strategic move to achieve financial freedom and save on interest costs. However, it's essential to understand the nuances of mortgage terms, prepayment privileges, and potential penalties to make informed decisions.

Understanding Mortgage Renewal in Canada

In Canada, mortgages are typically structured with an amortization period (the total time to repay the mortgage) divided into shorter terms, commonly ranging from one to five years. At the end of each term, you must either renew the mortgage for another term or pay off the remaining balance. This renewal period offers a unique opportunity to reassess your financial situation and mortgage needs.

Paying Off Your Mortgage at Renewal Without Penalty

At the end of your mortgage term, your mortgage is considered "open" for that day, allowing you to pay off any amount of the remaining balance without incurring prepayment penalties. This means you can make a lump-sum payment to fully discharge your mortgage without facing additional fees.

Ratehub

Prepayment Privileges and Penalties

Outside the renewal period, paying off your mortgage entirely or making significant lump-sum payments can trigger prepayment penalties, especially with closed mortgages. These penalties compensate lenders for the loss of interest income they would have earned had the mortgage continued as agreed. The calculation of these penalties varies:

Fixed-Rate Mortgages: The penalty is typically the greater of three months' interest or the Interest Rate Differential (IRD). Government of Canada

Variable-Rate Mortgages: Generally, the penalty is three months' interest on the remaining balance. Government of Canada

However, many mortgage agreements include prepayment privileges, allowing you to make extra payments up to a certain percentage of the original principal each year without penalties. It's crucial to review your mortgage contract to understand these terms.

Strategies to Pay Off Your Mortgage Faster

Increase Regular Payments: Some lenders allow you to increase your regular mortgage payments by a certain percentage, which can significantly reduce the principal over time.

Make Lump-Sum Payments: Utilize your prepayment privileges to make lump-sum payments annually, directly reducing the principal and overall interest paid.

Accelerate Payment Frequency: Switching from monthly to bi-weekly payments can result in extra payments each year, shortening the amortization period.

Considerations Before Paying Off Your Mortgage at Renewal

Financial Liquidity: Ensure that using funds to pay off your mortgage won't leave you cash-strapped or unable to meet other financial obligations.

Investment Opportunities: Compare the interest savings from paying off your mortgage to potential returns from other investments. Sometimes, investing surplus funds elsewhere can yield higher returns.

Tax Implications: In Canada, mortgage interest isn't tax-deductible for personal residences. However, certain investment opportunities might offer tax advantages worth considering.

Recent Developments

As of November 21, 2024, Canada's banking regulator has made it easier for borrowers to switch lenders at renewal without undergoing the stress test, provided the loan amount and amortization period remain unchanged. This change enhances flexibility and could offer better terms upon renewal.

Reuters

Conclusion

Paying off your mortgage at renewal without penalty is a viable option in Canada, offering a pathway to financial freedom and interest savings. However, it's essential to weigh this decision against your overall financial strategy, liquidity needs, and potential investment opportunities. Consulting with financial advisors and thoroughly reviewing your mortgage terms can help you make the best choice for your circumstances.

[calvinjanitorial-services]

Elevate Your Workspace: How Calvin Janitorial’s Office Cleaning Services Benefit Canadian Businesses

A clean and organized office isn’t just about appearances—it plays a vital role in boosting productivity, maintaining employee health, and leaving a strong impression on clients. However, keeping a workspace spotless can be challenging, especially for busy offices. That’s where Calvin Janitorial Services comes in.

With their professional office cleaning services, Calvin Janitorial helps businesses across Canada maintain clean, healthy, and welcoming environments.

The Power of a Clean Office Environment

A clean office directly impacts how employees work and feel. When workspaces are tidy and clutter-free, employees find it easier to concentrate, leading to improved productivity and creativity.

But the benefits don’t stop there. A clean office also promotes better health by reducing dust, allergens, and germs. This creates a healthier atmosphere, helping to minimize sick days and keeping your team at their best.

Why Choose Calvin Janitorial?

Calvin Janitorial Services stands out as a trusted name in office cleaning. Their team of experienced cleaners takes pride in delivering top-notch results for businesses of all sizes.

They offer more than basic cleaning—they provide customized solutions tailored to your office’s unique needs. From daily cleaning to periodic deep cleaning, Calvin Janitorial ensures every corner of your office is spotless, creating a safe and pleasant environment.

Flexible Cleaning Plans to Fit Your Schedule

Every office operates differently, and Calvin Janitorial understands that flexibility is key. They offer customized cleaning plans that fit your specific schedule and requirements.

Whether your office needs daily cleaning during peak hours or a weekly deep clean after business hours, Calvin Janitorial works around your needs. This ensures your workspace stays clean without disrupting your daily operations.

Environmentally Friendly Cleaning Practices

In today’s world, sustainability matters. Calvin Janitorial is committed to using eco-friendly cleaning products and methods. Their green cleaning solutions are free from harsh chemicals, making them safer for your employees and the environment.

These practices not only protect the planet but also improve indoor air quality. This helps create a healthier workspace, which is especially important for employees with allergies or respiratory sensitivities.

Advanced Cleaning Tools for a Healthier Office

Calvin Janitorial uses state-of-the-art equipment to deliver superior cleaning results. Their HEPA-filter vacuums remove fine particles of dust and allergens, improving air quality and making your office more comfortable.

They also focus on high-touch surfaces like keyboards, phones, and door handles, thoroughly disinfecting these areas to prevent the spread of germs. With Calvin Janitorial, your office gets more than just a surface clean—it gets a deep, hygienic clean.

Serving Businesses Across Canada

No matter where your office is located, Calvin Janitorial has you covered. They provide professional office cleaning services in major cities across Canada, including Toronto, Vancouver, Calgary, and more.

With a wide network of skilled local teams, Calvin Janitorial ensures consistent quality and service, making them the perfect partner for businesses with multiple locations.

Testimonials from Happy Clients

Calvin Janitorial’s commitment to excellence has earned them praise from businesses across Canada. Many clients highlight their reliability, thoroughness, and attention to detail.

For example, a tech company in Vancouver shared how Calvin Janitorial’s services transformed their workspace into a clean and welcoming environment. Another client in Toronto praised their flexible scheduling and professionalism, noting how easy it was to work with the team.

These testimonials reflect the high level of satisfaction that Calvin Janitorial delivers to its clients.

Experience the Difference with Calvin Janitorial

A clean office is essential for maintaining a productive and professional environment. With Calvin Janitorial’s expert office cleaning services, you can keep your workspace spotless and focus on growing your business.

Their flexible cleaning plans, eco-friendly practices, and professional team make them the ideal choice for businesses across Canada. Contact Calvin Janitorial today to learn more about their services and discover how they can help keep your office looking its best!

[wavevisa001]

International students in Canada can work 24 hours a week off-campus

Great news for international students in Canada! Starting November 15, 2024, students on study permits can now work up to 24 hours per week off-campus during their academic sessions. This change, announced by Marc Miller, Canada’s Minister of Immigration, Refugees, and Citizenship, increases the previous limit of 20 hours per week and offers students more flexibility to earn income while pursuing their studies.

What’s Changed?

Previously, international students were limited to working 20 hours per week off-campus while their classes were in session. Now, the cap has been raised to 24 hours, providing students with an additional four hours weekly to supplement their income.

This adjustment applies only to off-campus work during active school terms. However, students can still work uncapped hours:

On-campus, during any academic period.

Off-campus, during breaks between terms, such as winter or summer vacations.

Why the Increase?

Minister Marc Miller emphasized that the new 24-hour cap strikes the right balance between allowing students to work more while ensuring their academic success is not compromised. This move also aligns with Canada’s efforts to support international students while maintaining the integrity of its International Student Program.

New Rules for Changing Schools

In addition to the extended work hours, another important update for international students was announced:

Students who wish to change their Designated Learning Institution (DLI) must now apply for a new study permit.

Previously, students could change schools on the same permit by simply updating their IRCC online account.

This change is designed to strengthen oversight and ensure compliance with Canadian immigration regulations.

A Look Back: Work Hours for International Students in Canada

Canada has been evolving its policies on work hours for international students over the years:

Traditionally, students could work up to 20 hours per week during academic terms.

During the COVID-19 pandemic, the Canadian government temporarily allowed students to work up to 40 hours per week to address labour shortages.

The temporary 40-hour policy ended on April 30, 2024, paving the way for the new 24-hour limit.

What Does This Mean for International Students?

The updated 24-hour cap is a step forward for students looking to gain valuable work experience and support themselves financially while studying in Canada. It provides:

More Earning Potential: An extra four hours per week means more income to help cover living expenses, tuition, and other costs.

Flexibility: Students can better balance their academic and financial responsibilities.

Opportunities to Contribute: With Canada’s ongoing need for skilled workers, international students can play a larger role in the economy.

How Wave Visas Immigration Can Help You

Navigating Canada’s immigration rules and study permit requirements can be overwhelming. That’s where Wave Visas Immigration comes in. From helping you apply for study permits to guiding you through work authorization policies, Wave Visas ensures a smooth process so you can focus on achieving your academic and career goals in Canada.

With the recent updates, Wave Visas can assist with:

Applying for a study permit or renewing an existing one

Understanding the new rules around school transfers

Clarifying work eligibility and helping you stay compliant with immigration laws

Final Thoughts

These updates reflect Canada’s commitment to supporting international students while ensuring the integrity of its immigration system. Whether you’re studying, working, or planning your educational journey in Canada, these changes open up new opportunities for growth and success.

If you’re an international student in Canada, take advantage of these updates and enjoy the flexibility to work, learn, and thrive

[nehakumarr]

Understanding New Work Rights for Canadian Student Visa Holders in 2024

In 2024, there are new updates to the work rights for international students in Canada. If you hold a student visa Canada allows, you can gain valuable work experience while you study. This guide breaks down what these changes mean for you and how they can impact your academic and career journey.

1. Overview of Canadian Work Rights for Students

Canada has always been supportive of students who want to work during their studies. This year, students are given more flexible options, making it easier to gain work experience. In 2024, full-time students enrolled in recognized institutions can work up to 20 hours per week during semesters and full-time during breaks.

For specific roles like internships or co-ops, you may need an additional work permit. However, Canada’s government has made it simpler for students to balance work and academics, aiming to enhance real-world skills and job readiness for graduates.

2. The Benefits of Gaining Work Experience

Working while you study offers many benefits. You can earn extra income, gain hands-on experience, and build a professional network in Canada. These opportunities help you understand the Canadian work culture, which can be invaluable for future job applications. Having Canadian work experience on your resume also improves your chances if you plan to stay in Canada after graduation.

For students in specific programs, like engineering or business, internships are often built into the curriculum, which allows you to apply classroom knowledge directly in real-world scenarios.

3. Why Study in Canada?

These flexible work options are one reason many students choose to study in Canada. Canada offers quality education, diverse communities, and numerous work opportunities. The country's welcoming approach to international students, combined with accessible work rights, makes it an ideal choice. Many students see Canada as a place to gain a world-class education while building a career.

Canada’s balanced lifestyle is another reason students find it attractive. The ability to work part-time allows you to gain financial independence while adjusting to a new culture. This work-study balance is a major factor in choosing Canada over other destinations.

4. Important Guidelines for Student Workers

To work while studying, students must meet certain conditions. Your visa must explicitly allow work, and you must be enrolled in a full-time program. If you exceed the 20-hour weekly limit during semesters, you risk violating your visa terms, which can lead to penalties. Be sure to track your hours and stay informed about your rights to avoid any issues.

In some cases, your program may require you to complete a co-op or internship, and this may call for an additional work permit. Speak with your institution's international student office for guidance, and consider reaching out to an overseas education consultancy if you need personalized advice.

Conclusion

Canada’s updated work rights for international students make studying and working easier and more beneficial than ever. With these new guidelines, you can gain valuable skills, earn income, and expand your professional network—all while completing your studies. By understanding and following these rules, you’ll maximize your time in Canada and make the most of your student experience.

Also read :

Game Development and Animation Courses in Canada: Creative Pathways to the Entertainment Industry

The Future of Canadian Education: Key Trends in Sustainability, Technology, and Beyond

[spnfanficpond]

Weekly Pond Newsletter

We are into August, and those of us in the Northern Hemisphere are just hot hot hot hot hot! We're tired of complaining about the heat and would like to complain about some cold, again. 🤣

Old Business:

Angel Fish Awards - The deadline to submit nominations and earn entries for July's raffle has been extended to tonight at midnight, EDT! (Honestly, Admin Michelle probably won't get to it until later than that, so there is some grace if you're still late.) It's a whole new list of prizes, so be sure to get your nominations in!

Giveaway in the Discord server - This weekend, we're giving away a copy of Self-Publishing Websites For Authors Who Want to Conquer the World by Will O'Shire. It's a funny and easy-to-read book on how to set up an author website and more! Drop a link in the giveaway channel to a fic featuring one of the main characters as a writer of any sort to earn an entry into the drawing! Deadline is midnight tonight EDT!

Fishing For Treasures - This weekend is FFT over at the @fanficocean! August's theme is Original Characters. Head over there to read fics with new characters and see how they interact with your old favorites! We will be celebrating FFT the 17th and 18th. The deadline to submit SPN fics with OC's to us will be midnight EDT on Friday the 16th. Submit links to the blog here or drop links in the #fishing-for-treasures channel in the Discord server!

Monthly Prompt for August - The prompt is up and it's Cat vs Dog!! Click here to see all the adorable fuzzies and get inspired!

New Member Spotlight - We got a ton of new members in July! So many, we needed to add a Keep Reading cut to the post! Click here to see the post and hopefully meet a new friend!

Last week's #TweetFicTues prompts -

New Business:

Manta Ray chat in the Discord server - Admin Marie will be hanging out to chat with everyone on Friday evening, 8pm EDT. Having trouble controlling your plot bunnies? Marie has a spray bottle for that! 🤣 Let her encourage you to finish your WIPs or distract you both from writing altogether by asking her what she's baking!

SPN Rewatch: FanFic Edition - On Saturday, we will chat at noon EDT about the next two episodes in our rewatch: 2.19 Folsom Prison Blues and 2.20 What Is and What Should Never Be. Why does Dean fit into prison life so well? Is it the same as how he became such a good PA in Hollywood Babylon or something else? In Dean's perfect life fantasy, why does his lawnmower have no blades? We'll ask these questions and more during our chat, so be sure to join us!

Competitive Writing Sprints - On Sunday next weekend, Manta Ray Arthur will be hosting a session of writing sprints at 2pm EDT in our Discord server. Add words to your WIP and win fabulous prizes!!

(Divider by @glygriffe!)

That's all for this week! To see all Pond events, and also other SPN-related things like conventions and online concerts, check out our Google calendar! Click here for a static view in Eastern US/Canada time (desktop only, no mobile app access, sadly), and click here to add our calendar to your own Google calendar! We try to keep it as up-to-date as possible. If there's something you want to see on the calendar that's not there (maybe a convention we missed, cast birthdays, or something similar), send us an ASK and let us know!

Hope you have a great week! - From your Admins and Manta Rays, @manawhaat, @mrswhozeewhatsis, @mariekoukie6661, @thoughtslikeaminefield, and @heavenssexiestangel!

[immigrationoffers]

Ontario Increases Minimum Wage: Is It Enough to Live On as a Newcomer?

At Esse India, we understand the challenges newcomers face when settling in Canada. As of October 1, 2024, several Canadian provinces, including Ontario, Prince Edward Island, Manitoba, and Saskatchewan, have raised their minimum wage. In Ontario, the wage has increased from $16.55 to $17.20 per hour. For immigrants pursuing Canadian permanent residency (PR) or leveraging opportunities like the Global Talent Stream, these wage changes play a significant role in financial planning during the immigration process.

A full-time worker in Ontario, clocking an average of 39.3 hours per week, can now expect to earn approximately $675.96 weekly or $35,149.92 annually before taxes. However, after accounting for deductions, the net annual income is $29,026, according to Wealthsimple’s tax calculator. With Toronto being a primary destination for newcomers, the cost of living poses a serious challenge.

For those navigating the Canada PR process or consulting with Canada immigration consultants, managing living expenses becomes critical. Rent for a one-bedroom apartment in Toronto averages $2,452 per month, and groceries for one person are estimated at $526.50 monthly. Essentials like utilities, internet, and phone services bring the total to approximately $3,407.84 each month, or $40,894.08 annually—well beyond the net income of a minimum-wage worker.

Many immigrants face this reality as they wait for their foreign credentials to be recognized in Canada. While pursuing recognition, they may be forced to accept minimum-wage positions. With 20% of all occupations in Canada being regulated and requiring licenses, the wait for recognition can stretch beyond initial expectations. This highlights the importance of choosing the right Canada PR consultancy or Canadian immigration consultants who can provide proper guidance throughout the process.

Newcomers often find themselves in lower-paying roles or entering programs like the Provincial Nominee Program (PNP), which offer alternative routes to permanent residency. For those working with Canada immigration consultants in India, weighing the costs of living against potential income is crucial. The same holds true for immigrants interested in Australia PR or Germany PR through Australia immigration consultants or Germany immigration consultants.

The Financial Reality for Newcomers in Canada

While many immigrants aim for higher-paying jobs once their credentials are recognized, the journey can be arduous. Programs such as the Global Talent Stream Canada or BC PNP provide skilled workers a pathway to Canada, but maintaining financial stability during this period is essential. Those applying for visas through Canada spouse visa consultants or seeking Canada tourist visa ETA must also prepare for similar financial pressures.

Despite these hurdles, Canada continues to attract immigrants due to its robust support systems and opportunities for growth. However, at Esse India, we advise prospective immigrants to approach the Canada PR procedure or Canada PR consultancy with realistic expectations, especially those transitioning from regions where the cost of living may differ significantly.

Exploring options like Work and Study in Canada for free, or even considering PR pathways in Australia and Germany, could offer a broader range of opportunities for balancing income with living costs. Whether it’s Canada, Australia, or Germany, it’s important to assess the financial implications thoroughly before making a move.

This content, crafted by Esse India, emphasizes the importance of planning and financial awareness for newcomers pursuing permanent residency in Canada, while also touching on immigration alternatives in Australia and Germany.

@immigrationvisa4uk-blog @immigrationvisa @immigrationvisaaustralia @immigrationvisa4-blog @immigrationnewsdigest @canadavisaconsultantsinhyde-blog @canadavisawithease-blog @canadavisaguide @canadavisapoint-blog @canadavisas-blog

[shosiblog]

Can I Calculate My Maternity Pay? A Simple Guide

Maternity pay is an important aspect of maternity leave, providing financial support as you prepare for and adjust to life with a newborn. Understanding how to calculate your maternity pay can help you plan your finances and ensure you are aware of the benefits you are entitled to. In this blog, we will guide you through the process of calculating your maternity pay and provide a step-by-step guide on writing a maternity leave application. For detailed assistance on crafting your application, read on.

How to Calculate Your Maternity Pay

1. Understanding Your Maternity Pay Components

The calculation of maternity pay depends on several factors, including your country’s regulations, your employer’s policies, and your earnings. Here are the main components to consider:

1.1 Statutory Maternity Pay (SMP)

In many countries, statutory maternity pay (SMP) is provided based on a set formula. Here’s a general overview:

United Kingdom: SMP is calculated as follows:

First 6 Weeks: 90% of your average weekly earnings (AWE) before tax.

Next 33 Weeks: Paid at a flat rate of £172.48 per week (as of 2024) or 90% of AWE, whichever is lower.

1.2 Employment Insurance (EI) Benefits

In Canada, maternity benefits are provided through Employment Insurance (EI). The calculation is generally:

Maternity Benefits: 55% of your average weekly earnings, up to a maximum amount set by the government.

1.3 Paid Parental Leave

Countries like Australia offer paid parental leave that is calculated based on:

Government Scheme: Up to 18 weeks at the national minimum wage (approximately AUD $812.60 per week as of 2024).

1.4 Company-Specific Benefits

Many employers offer additional maternity pay beyond statutory requirements. This can include:

Full Salary Pay: Some companies provide full salary payment during maternity leave.

Enhanced Leave Packages: Additional weeks of paid leave or supplemental payments.

2. Steps to Calculate Your Maternity Pay

2.1 Determine Your Average Weekly Earnings

Calculate your average weekly earnings over a specified period, typically 8 weeks, leading up to your maternity leave. Include all relevant earnings such as bonuses and overtime.

2.2 Apply the Relevant Percentage or Flat Rate

Apply the appropriate percentage or flat rate to your average weekly earnings to determine your statutory maternity pay. For instance:

UK SMP: First 6 weeks at 90% of AWE, followed by 33 weeks at the lower of £172.48 or 90% of AWE.

2.3 Factor in Additional Benefits

If your employer offers additional maternity pay or if you are eligible for enhanced benefits, include these amounts in your calculation.

2.4 Use Online Calculators

Many countries and organizations offer online calculators to help you determine your maternity pay. Check government or employer websites for available tools.

Example Calculation (UK):

Average Weekly Earnings (AWE): £600

SMP for First 6 Weeks: 90% of £600 = £540 per week

SMP for Next 33 Weeks: Flat rate of £172.48 or 90% of £600 = £540 per week (whichever is lower, so £172.48 applies here)

How to Write a Maternity Leave Application: A Step-by-Step Guide

To ensure a smooth transition and receive your maternity pay, a well-written maternity leave application is crucial. Follow these steps to create an effective application:

Step 1: Address the Letter Formally

Begin with a formal salutation, addressing your direct supervisor or HR manager. Use “Dear [Supervisor’s Name]” or “To Whom It May Concern.”

Step 2: State Your Request

Clearly state that you are requesting maternity leave, including the start date and expected duration. Mention your understanding of the maternity pay you will receive, if applicable.

Step 3: Provide Relevant Details

Include your expected due date and any relevant details about your leave. Explain how you plan to manage your responsibilities or transition your work before your leave begins.

Step 4: Offer Assistance

Show your willingness to assist with the transition, such as training a temporary replacement or preparing handover notes.

Step 5: Include Contact Information

Provide your contact details in case your employer needs to reach you during your leave. Specify your preferred method of contact.

Step 6: Close Professionally

End your letter with a professional closing, such as “Sincerely” or “Best regards,” followed by your name and signature.

Calculating your maternity pay and preparing a well-structured application are key to a successful maternity leave experience. For additional guidance on writing your maternity leave application and managing your leave effectively, check out our detailed guide: How to Write a Maternity Leave Application: A Step-by-Step Guide.

Contact us today if you need further assistance with calculating your maternity pay or have any other related questions. We’re here to help ensure your maternity leave is as smooth and stress-free as possible.

[ankitablog21]

What is the maximum number of hours an international student can work in Canada?

This fall, international students in Canada will enjoy an exciting boost in work opportunities, with the weekly off-campus work limit increasing from 20 to 24 hours. This change, announced in April by Immigration Minister Marc Miller, aims to strike the perfect balance, allowing students to earn more without impacting their academic performance.

To read more: https://blog.esseindia.com/the-maximum-number-of-an-student-canwork-canada/

[thedigitalcrates]

CHIKORUSS DROPS NEW TRACK "RARA"

Montreal R&B phenom Chikoruss continues his R&Bounce movement with new track “RaRa” out now via 300 Entertainment. His label-debut single “In 2 Deep” has reeled in millions of Spotify streams and earned critical acclaim, Rated R&B applauded how “‘In 2 Deep’ immediately transports listeners to the 2000s,” and Billboard Canada named it among their weekly “Fresh Sounds Canada” and raved, “With its…