Aditya Mhatre is empowering immigrants in their financial journey in Canada
TOP 3 SKILLS EVERY RECRUITER SEEKS
York University's Maria João Maciel Jorge urges immigrants to embrace the unexpected FILMS BY IMMIGRANT TALENT CAPTIVATE AUDIENCE AT TIFF
PLAN AHEAD FOR CAREER SUCCESS
PROFILE: Luciana Erregue is dedicated to diverse
NEWS: Rising housing costs prompt nearly one-third of Canadians to consider moving
Innovative spirit: Aditya Mhatre is empowering immigrants in their financial journey in Canada
Plan ahead for career success: Skilled immigrants should research and develop strategies to effectively leverage their international experience in Canada.
CAREER COACH: Top three skills every recruiter seeks
HIGHER LEARNING: Post-secondary life doesn’t have to be overwhelming
IMMIGRATION LAW: Government tightens rules for low-wage foreign workers
PARENTING: Give your child the tools to succeed Bringing goods across the Canadian border
WELLNESS: An attitude of gratitude
CULTURE: Canadian films by immigrant talent captivate audience at TIFF
Academician Maria João Maciel Jorge urges immigrants to follow their passion
MANAGING YOUR FINANCES: Understanding capital gains tax in Canada
ENTREPRENEURSHIP: How to grow and expand your business
VOLUME 21, ISSUE 4 2024
Group Publisher Sanjay Agnihotri
Editor Ramya Ramanathan rramanathan@metroland.com
Co-editor Baisakhi Roy
Editorial Design Safi Nomani
Brand Manager Ricky Bajaj rbajaj@metroland.com
Tel: 416 856 6304
Assistant Manager Laura Jackman ljackman@metroland.com
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LUCIANA ERREGUE Maverick publisher
By Baisakhi Roy
Argentina-born Luciana Erregue has been shaking up Alberta’s literary world with her vibrant energy and dedication to diverse storytelling. Erregue moved to Canada nearly three decades ago with her husband, who was working on his PhD at UBC. The couple eventually settled in Edmonton in the late nineties. Luciana earned a master’s degree in art history from the University of Alberta in 2016 and later worked at the Art Gallery of Alberta.
In 2019, Erregue founded Laberinto Press: to amplify the voices of “hyphenated” Canadians — people with rich, layered identities who are not often represented in mainstream literature. Under Luciana’s guidance, Laberinto Press has since become a beacon for these unique narratives, shining a spotlight on stories that bridge cultures and experiences.
Tell us about your early years in Canada.
I arrived in Canada in the early nineties to accompany my husband as he pursued a graduate degree. My early years were spent homemaking, raising our two children and supporting my husband during his early days as a junior university professor. I had an unfinished law
degree from Argentina, but we lacked the financial means to afford daycare or pay for more education that would have allowed me to enter the workforce.
When did you first discover your love for writing and storytelling?
When I was about four, growing up in Argentina, my grandmother told me stories about a fictitious girl named Luisa. This naughty child had helmet hair with bangs and a crooked smile that twisted up into a grimace whenever anyone offered her a new dish to try; she was the pickiest of eaters, just like me. My grandfather also invented stories about a street urchin kid, called Raoul. Laughter was always part of storytelling. I loved drawing and children’s comic strips. I made up stories that my mother patiently wrote down alongside my scribbles. She was my first “translator.” Roadside signs also fascinated me from an early age; you could say, pre-literacy played an important role in shaping me as a reader and a writer.
How did the idea of Laberinto Press come about?
It came to me a few summers back, while reading American writer Ernest Hemingway’s A Moveable Feast. His vignettes on life as a starving artist in Paris during the 1930s came up in a conversation with a writer friend. Hemingway’s hunger, we concluded, went beyond the culinary, inspiring us to seek out more stories in which food could serve as a pretext to explore other kinds of longing.
And that is how your book project came about…
Yes, that quest became a book project, and we soon found our writers: hyphenated Canadians from all over the world who, like us, called Edmonton home. I needed to apply for support from the Edmonton Arts Council, so my friend sat down with me to crunch numbers and categories over coffee at our local café. At one point he asked, “So, who will be your publisher?” I replied that I had no idea. “Why don’t you become a publisher?” I couldn’t see a reason not to.
My grant application was successful, and in March 2020 I began work on Beyond the Food Court: An Anthology of Literary Cuisines. Injera, biryani, masgouf, and ajiaco together with a trove of memories filled the pages. By August 2020, I had established a sole proprietorship. In October of that year, our book hit the shelves, both real and virtual.
What has been the most challenging and rewarding aspect of running a publishing house?
The difficulties have been many, such as being an immigrant woman of ESL background, suddenly plunged into a predominantly white, maledominated business. The hardest part has been to work patiently to qualify for funding and establish credibility at every step.
The best part is being surrounded by supporters from all over Canada, from universities to literary magazines. We are so proud of having published four anthologies, featuring almost 40 hyphenated Canadian and American authors. In 2022, we were recognized for our efforts at the Book Publishers Association of Alberta, and this year, we are nominated for Best Publisher of the Year. We are also thrilled to support underrepresented communities by attending their markets and fairs throughout Canada.
What advice would you give immigrant writers looking to publish?
If you write in your mother tongue, connect with like-minded authors, join your local Writers' Guild, and attend writing events, launches and readings in any language, even if it is just English or French. These days, audiences crave literature from beyond our borders.
Attend writing workshops, courses and conferences offered through your local guild. Make friends and offer to read their work as they read yours. Seek the advice of established writers. Make sure to read widely, and locally, be adventurous, go beyond your cultural silos while remaining part of your community, and learn how to apply for writing grants.
Rising housing costs prompt nearly one-third of Canadians to consider moving
As immigration rates in Canada continue to climb, a growing number of Canadians, particularly newer arrivals, are contemplating relocating within the country or even leaving Canada altogether. The key reason behind this trend: escalating housing costs. According to recent findings by the Angus Reid Institute, close to 30 per cent of Canadians are seriously thinking about moving to another province, with affordability issues playing a central role. This figure jumps to nearly 40 per cent for those who have lived in Canada for less than ten years.
The findings highlight that many of Canada's newest residents tend to settle in major urban centers where the cost of living is highest, leading to greater uncertainty about their long-term plans.
Toronto and Vancouver, in particular, are seeing higher levels of dissatisfaction. In downtown Toronto, 44 per cent of residents are contemplating leaving, and 22 per cent say this is something they are strongly considering. Similarly, in Metro Vancouver, about one in three residents is uncertain about
staying in the region long term due to the relentless rise in housing prices.
In recent years, Canada has seen a significant surge in housing prices, creating an affordability crisis across the country. Although the real estate market slowed in 2023 following a series of interest rate hikes, prices remain out of reach for many. Meanwhile, rental costs continue to soar, with some provinces experiencing rent increases of over 17 per cent in the past year alone.
The affordability crisis is most acutely felt in British Columbia and Ontario, provinces that have long struggled with high housing costs. However, other regions, including Nova Scotia, are not immune. Onequarter of Halifax residents are considering leaving their province due to the cost of housing. Many Canadians are now searching for more affordable areas to live, whether in other provinces or abroad.
The study finds that people aged 18 to 24 are particularly likely to consider moving, with 42 per cent expressing concerns about housing costs. Across the broader population, one-third of Canadians under the age of 55 are at least thinking about relocating, with a significant portion seriously considering this option.
Renters, in particular, are feeling the financial strain. Nearly 40 per cent of renters across Canada say they are contemplating leaving their province in search of more affordable housing. Homeowners, while less likely to consider moving, are still feeling the pressure — 28 per cent of those with mortgages are also exploring the possibility of relocating.
Newcomers to Canada who have been in the country for less than a decade are even more likely to consider moving due to the high cost of living, with housing being the primary concern. This trend could have long-term implications for Canada's ability to retain immigrants. According to the Institute for Canadian Citizenship, fewer permanent residents are applying for citizenship, with the rate dropping from 75 per cent in 2001 to 45 per cent in 2021.
Moreover, data from BMO shows that cities like Toronto, Montreal and Vancouver have been losing residents to other provinces. Between 2022 and 2023, these three major cities saw a net loss of over 130,000 people through interprovincial migration, highlighting the growing impact of unaffordable housing on urban populations.
INNOVATIVE SPIRIT
Aditya Mhatre: Empowering immigrants in their financial journey in Canada
By Baisakhi Roy
Aditya Mhatre admits that, growing up, he wasn’t considered the smartest person in the family when it came to academics, so expectations weren’t high. He grew up in the nineties in the idyllic environs of Panvel, a small, bustling town in the western part of India known for its lush, pristine greenery and diverse population
“My days were spent cycling in the neighbourhood, hanging out with friends and spending time outdoors,” he recalls.
It was when his father got a personal computer home that Mhatre’s fascination with technology began, and he started teaching himself code and programming from textbooks that were hard to find. He says that he was lucky to have parents who wanted to give him the best they could. They sent him to Belgium as an exchange student, and that’s where he was exposed to a whole new world.
“One of the most eye-opening experiences I had in Belgium was witnessing the seamless fluidity of European borders. Coming from India, where traveling between states often involves navigating checkpoints, it was astonishing to see that you could simply walk across a street and be in another country,” says Mhatre.
“My host family and I would drive to Luxembourg, just 45 minutes away, to refuel because of the lower taxes there. It was surreal how easily you could cross into a new
nation, without any barriers, and it deeply influenced my understanding of globalization,” he reflects. This experience had a profound effect on him, shaping his perspective on the interconnectedness of the world.
He even mastered French by actively communicating with the locals, without relying on English. “From a very early age, I realized that I may not always be the most naturally gifted person in the room, but I had confidence in my ability to outwork others and eventually achieve my goals,” he says.
Creative drive
Though his education was in commerce, Mhatre decided to pursue a master’s program in Computer Science and Information at the famed Carnegie Mellon University in the U.S.
“Coming from a commerce background, the rigorous computer science curriculum was initially overwhelming, but I persisted. I sought help from others and put in significant effort, learning that it was acceptable to not have all the answers but crucial to persevere,” he says. The experience in university was another significant milestone in his life that taught him resilience, a defining trait for his future career.
His drive to be the first mover led him to set up Indicast, one of the first multi-person podcasts at the time, where Mhatre and his cohost engaged in conversations about everything under the sun. Canada came calling soon after
when Mhatre decided to pursue an MBA at the University of Toronto. He was hired by Paytm Canada, a digital payment app company, in his second year of study.
His rise in the company was swift; he successfully led the Bill Payment Service in Canada, which garnered more than 300,000 users in a short period of time, thanks to his proactive and intrepid attitude.
“I made it a practice to advocate for myself and seek learning opportunities,” says Mhatre. “For instance, I expressed my desire to attend board meetings, where I observed high-level discussions and shared insights about the Canadian market, even when my contributions were initially met with skepticism due to Canada’s relatively smaller user base compared to India,” he says. He learned to ask for things. “What’s the most they’d say? No? That’s fine; at least your idea is out there.”
In 2018, Mhatre was finally all set to put down roots in Canada, having just bought a home for his young family. Except that he had to make a slight detour.
“As part of our investor relations process, I visited Tokyo and realized there is a huge potential in the digital payment solutions market in Japan — almost 78 per cent of all consumers still paid in cash! This was a country that had bullet trains way before other countries had even thought about it.”
Aditya Mhatre
Photo by Arthur Mola
Mhatre called his wife and told her to leave their bags unpacked because they were moving to Japan. During his three-year stint there, Mhatre with his team of two — himself included — worked to set up a team of more than 200 employees within a year. They captured 70 per cent of the mobile payment market in Japan, significantly increasing digital payment adoption by two percentage points — an impressive feat for such a large economy.
Simplifying money for newcomers
Back in Canada, Mhatre was hit by the realities that immigrants encounter during their settlement journey.
“Returning to Canada after my time in Tokyo, I struggled to secure a mortgage. This experience made me reflect on the difficulties that many immigrants face in navigating the financial system here. I found that most banks were ill-equipped to serve newcomers effectively. That realization became the spark to create a company dedicated to making the settlement process easier and more manageable for immigrants,” he shares.
Mhatre, along with his co-founder Stuart Szabo, established Beacon — a financial solutions company dedicated to easing the transition for immigrants moving to Canada. They recently unveiled their first
product, Beacon Remit — a service within the Beacon Super App designed to make international money transfers affordable and straightforward. “I know firsthand how challenging it can be to transfer money from India into a Canadian bank account, so we created a solution that allows users to move their money from start to finish with just one app,” he explains.
Through Beacon, Mhatre says that he’s not just building a business but a support system for those seeking to start a new life in a foreign land — just as he once did.
"Immigrants may need to make advanced rent or bill payments. The financial pressure is huge for them. So we want to look at products like rent insurance and digital payments to make the process of settling in easier for a newcomer," he says.
Now, having raised $5 million for their venture, Mhatre, who is also the Chief Product & Technology Officer of Beacon, and Szabo are set to provide a host of essential services, which include Beacon Bank, designed with the immigrant experience in mind.
Advice for entrepreneurial immigrants
For those looking to emulate his entrepreneurial success, Mhatre has some
What you’ll find at the fair:
Careers
• JOBS! Hiring companies and recruiters
Career search interview workshops
• Resumé clinic
Education
University and college info English pronunciation workshop • Foreign credential information Tuition microloans
Settlement
• Inspirational immigrant speakers • Immigration and visa advice Settlement services banking information • & more!
valuable advice. “Getting funding today is more challenging than it once was. "Networking is crucial — many opportunities arise through personal connections, just as I experienced when I met my co-founder. For newcomers, networking may not come easily, so it's important to actively put yourself out there.”
He points out that funding opportunities in Canada are primarily geared toward Series A or growth-stage companies, with few options for seed-stage startups. “Be prepared for many rejections — 50 or even 100 'no's' are common. Building a prototype or a minimally viable product can improve your chances of securing funding,” he advises.
He acknowledges the sacrifices that his wife has made for him to get to this point, as well as the value of having a co-founder whose vision aligns with his. “Often, the toughest challenges drain your energy unexpectedly, and having someone to share these experiences with can provide much-needed support,” he shares. “It's not just about complementary skills — emotional support is crucial too. You may not always feel comfortable discussing work challenges with your spouse, but a co-founder understands the unique pressures of the startup environment, making that partnership especially motivating in a foreign land,” he says.
Why
is a good credit score important?
Because your credit score (which is part of your credit report) allows lenders to assess the risk involved in a loan. This is one of the key elements that determine if you’ll be able to take out a loan, and at what interest rate. It’s like when you look at online reviews for a service or business you’re interested in. Good reviews inspire more confidence. What is a good credit score?
Your credit score is a number between 300 and 900 that changes over time. That’s normal. It’s like a report card in school: the higher your score, the better. Your report card shows your parents if you’re a good student. Similarly, your credit score shows lenders if you’re a good credit risk. In general:
A score of 750 or more is considered very good.
A score between 680 and 749 is good.
A score between 640 and 679 is medium.
A score of 639 or lower makes it difficult to access credit.
The terms and conditions of your loan are likely to be stricter and less advantageous (higher rate, endorser required, etc.).
8 tips to improve your credit score
1. Pay on time
A very important factor in rebuilding your credit: always make your payments on time, no matter what amount you owe. Late payments have a negative impact on your credit score, whether you owe $30 or $1,000. The more late payments you have, the more negative the impact will be. How can you avoid forgetting your payments so you can rebuild your credit? Enter reminders in your calendar.
Even better: schedule automated payments for an amount of your choice, paid when you want.
Tip: You can also set up pre-authorized payments for your entire balance.
For extra security: Take out overdraft protection, like a line of credit linked to the account your payments are debited from. If a payment goes through but you don’t have enough funds in your account, the line of credit will cover it. N.B.: This tip can help you avoid a bad credit score due to an unforeseen event.
Remember: To avoid affecting your credit score, you should pay your entire credit card balance before the due date.
2. Check your credit report regularly
Ask Equifax and TransUnion for a copy of your credit report once a year. You should request your report from both credit bureaus, since they may have different information. You can obtain your credit report for free from the Government of Canada website. However, you may have to pay a fee to consult it online.
Consulting your credit report allows you to:
Monitor changes
See if your credit is in good standing
Confirm that there are no errors or inconsistencies
What if something in your credit report doesn’t add up? You can request a correction. Asking for your credit report has no impact on your score.
Good to know: For a fee, credit bureaus offer services that will alert you of any irregular activities. This can help you quickly detect if your identity is stolen.
3. Don’t carry too high a balance
The balance on your credit card (or line of credit) should stay low compared to your limit. Along with how credit cards work, it’s one of the principles you need to know when you’re rebuilding your credit.
8 tips to build or rebuild your credit score
A bad credit score can happen to anyone. No one is immune to bad luck or financial mistakes. The good news: everyone can take steps to rebuild and improve their credit. Here’s our expert advice on how you can do it without sacrificing your lifestyle.
In an ideal world, your balance should remain below 30% of the maximum granted. If you exceed 50% of the authorized amount, your score could decrease. Make sure you don’t exceed the authorized limit.
Example: Say your credit card limit is $2,000. Ideally, you shouldn’t use more than $600. Exceeding $1,000 could have a negative impact on your credit score.
Pro tip: Are you often close to the authorized limit on your credit card? Request a limit increase so that you have a larger available balance. Proportionally, $500 out of $2,000 is less than $500 out of $1,000. (Don’t worry, there won’t be any more math in this article!)
4. Clean up your credit cards
Spring cleaning your wallet allows to regularly reassess your needs and helps making better use of your credit cards. There’s nothing wrong with having two credit cards, especially in case of emergencies. On the other hand, having several cards requires being careful to avoid oversights and late payments. Misuse of multiple credit cards can negatively impact your credit score.
Did you know?
Using two cards responsibly can also improve your credit score.
Tip: Low interest credit cards can be an interesting option if you don’t pay off your entire balance every month.
5. Don’t submit too many credit applications
As we saw in the previous point, having too many cards is as bad as having too few. The same goes for credit applications. Make sure you don’t submit too many. This applies to:
Credit cards
Lines of credit
Personal loans
Mortgage loans
Car loans
All these credit applications have an impact. Lenders will check your credit record every time you apply for credit. If you submit too many credit applications:
• Lenders may think you’re searching for multiple supplementary credit sources
• You will seem like a riskier borrower
Lenders want to know that you can manage your debts and are able to reimburse them. Applying for credit too many times could make lenders question your repayment ability and have a negative impact on your credit.
Buying a car? It’s a good idea to check out a number of dealerships when you’re shopping for a car. However, it’s better to wait until you’ve made your choice before you authorize a credit check. Too many applications in too little time can be bad news for your credit score.
6. Talk to an expert
You should feel free to ask specialists for help with your financial issues, such as dealing with a bad credit score. You can work together to draw up strategies to repay your debts and improve your situation. Sometimes, just one factor or bad habit can damage your credit score. To improve it, you could:
Apply our proven tips on saving
Learn how to make a monthly food budget
Create a realistic personal budget
Find out how you can get more from your credit card
Apply our tips for saving for your projects
Set up systematic savings to help you put money aside without even thinking about it
• Build an emergency fund
7. Think carefully before endorsing someone
When you endorse a credit application, it’s as if you were lending out your good credit report and credit score. This can really help a person who has bad credit (or who hasn’t yet established a solid credit history) by enabling them to be approved for a loan. However, you will become responsible for their loan.
In case of an unexpected event or if payments are made late or missed, your credit score will take a hit and you may have to repay the debt.
8. Start early
Sometimes the issue is not so much rebuilding your credit, but knowing how to build it in the first place. It can be beneficial to take out a credit card as soon as you reach the age of majority. Use it responsibly and make your payments on time; this will enable you to start building your credit history.
Stay vigilant. A credit card is not the same as a debit card. Are you an immigrant to Canada? Banking systems and credit principles are not the same in different countries. Discover the ABCs of the Canadian banking system to learn how you can build your credit history.
What are your options for living comfortably despite a bad credit score?
Even if you have bad credit, you still have options to realize your projects. While you’re working to build (or rebuild) your credit score, you may still be able to access traditional financing. Everything depends on your credit report. Otherwise, there are other solutions.
Second or third chance credit
Second or third chance credit is a temporary solution offered by lenders (often outside the major banks) to allow people to access credit (such as a personal loan, car loan or mortgage).
Note that they generally come with high interest rates. However, once your credit score improves, you can transfer the loan to a financial institution. By showing that you’re able to meet your commitments, second chance credit can help you rebuild your credit record.
Credit card options
Some credit cards are more easily accessible for people who have a bad credit score. For example, secured cards allow you to make purchases online. If used properly, they can help you rebuild your credit score.
How does it work? Certain credit card issuers will agree to take an amount in security that is equivalent to (or higher than) the credit granted.
Example: To take out a credit card with an authorized limit of $500, you will have to provide at least $500 as security. This amount will be “frozen” until your credit score improves. There’s no fixed timeline for rebuilding your credit. One year, two years, three years or more? It all depends on your situation. It’s like renovating a home: the worse the home’s condition, the longer it will take to repair. Just remember that it’s never too late to adopt good habits. Tell yourself that your efforts will end up paying off, and don’t hesitate to ask for help. We’re here to answer your questions.
For more tips and information visit www.nbc.ca/immigrate
PLAN AHEAD FOR CAREER SUCCESS
Skilled immigrants should research and develop strategies to effectively leverage their international professional experience in Canada
By Gautam Viswanathan
In 2021, Carlos Pinheiro moved from Brazil to Canada, armed with a degree in production engineering and experience in manufacturing kitchen utensils.
Six months prior to his move, he had already started researching the Canadian manufacturing landscape. “Don’t waste your time doing your research once you arrive,” says Pinheiro.
“Living in Canada is expensive. I realized that whatever job I’d need to take up, I’d need a certification or license,” he says. “I began my certification when I landed, because it takes time, about three or four months, minimum.”
Many newcomers like Pinheiro recognize that a number of sectors in Canada including manufacturing have been growing steadily, offering career opportunities across the country.
For example, in August 2024 alone, Ontario’s reported investments totalled $117 million in the manufacturing sector in three cities: Kitchener, Kingston and Mississauga. Since June 2024, British Columbia has announced over $200 million in investments in the sector creating hundreds of
new jobs. To promote local manufacturing and hiring, Quebec has also allocated more than $500 million since June 2024.
Be aware of challenges
While there are multiple opportunities, newcomers often face challenges to have their qualifications recognized in Canada and getting new licenses in regulated professions, which forces them to work in roles not commensurate with their qualifications and experience.
The federal government’s evaluation of the Foreign Qualification Recognition Program, which assesses foreign qualifications for Canadian equivalency, found a need to improve program standardization across provinces and territories. It also noted barriers faced by newcomers, such as the lack of Canadian credentials; long, complex credential recognition processes; and employers not recognizing foreign qualifications, alongside additional barriers for newcomers from developing countries, as well as women and racialized groups.
Many companies are unable to relate to the foreign qualifications of skilled newcomers, says
Shamira Madhany, managing director of World Education Services (WES), which specializes in assessing foreign credentials and determining their Canadian equivalency.
“When a hiring manager or human resources professional sees a résumé from a Canadian-
educated candidate, they often recognize the institution,” said Madhany, in an interview organized by Toronto Region Immigrant Employment Council (TRIEC). “They don’t have that with an international institution or program.”
Madhany says that it goes beyond just credential evaluation; that it requires a change in thinking.
“International experience is an asset and a candidate without ‘Canadian work experience’ is not a liability but a gold mine for new ideas, new perspectives and better results for the business,” she says.
Know the process
Becoming a doctor as an international medical graduate (IMG), meanwhile, can take years. Born in Canada to Indian immigrants, Kowsalya CS graduated as a dentist in India, returning in 2019.
Fully aware that IMGs are required to pass four exams to become certified to practice, she decided to pace herself by spreading them
out, while working as a dental assistant in the meantime. She’s also exploring the university route, which takes two exams off the pathway to full certification.
“I didn’t have any local certifications,” says Kowsalya. “That pushed me to get something, even if only temporarily, so I got my dental assisting license.”
Kowsalya points out that finding a job in healthcare is challenging for IMGs even though Canada has a high demand for medical personnel. According to Health Canada, there is a national shortage of 60,000 registered nurses. Canada anticipates a shortage of 78,000 doctors by 2031 and 117,600 nurses by 2030.
“For every medical profession, this is a job that is all about the survival of the fittest, and at the lower levels, it’s not highly paid,” she says. “The industry is hard to get into, and while you’re obtaining your medical license, you also need to look after your family.
“Your only focus is to get your license, have your spouse support you, and maybe put off having children for three or four years,” she advises. “You must have $50,000 in hand even before you start your exams and have the mental strength not to give up.”
For IMGs, licensure involves registration with the Medical Council of Canada (MCC), credential verification, passing multiple exams and language proficiency tests before eligibility for residency training is determined. All this, while adapting to a new country and working under strict time constraints: being out of medical practice for more than three years puts IMGs in redundancy, further complicating their licensure pathway.
Although the government funds agencies to help newcomers settle, upgrade their skills and find work, they don’t offer IMGs residency placements or clinical practice.
“These barriers persist because medicine is highly regulated, with multiple stakeholders working together — from regulatory bodies to licensing colleges and medical schools,” says Cindy Sinclair, adjunct lecturer and equity, diversity, and inclusion (EDI) advocate at the Department of Family and Community Medicine, University of Toronto, and President of Sinclair Consulting Services. “The former two establish the guidelines and licensure requirements. Medical schools provide training and education, ensuring physicians meet the high standards of competency, safety and ethics. Often, a license is only issued upon the recommendation of the medical school,” she says.
Guyana-born Sinclair, a Canadian Immigrant Top 25 Award winner from 2023, completed
her PhD on social justice education, workplace learning and social change in 2017, investigating the barriers preventing IMGs from practicing in Canada.
Steps are being taken to remove barriers: In October 2023, provincial governments announced expedited foreign credential recognition, providing licensure to qualified physicians and nurses within 90 days after verification and immigration approvals, alongside specialized federal immigration programs.
The federal government also pledged $1.49 million to the Royal College of Physicians and Surgeons of Canada to grow and expedite the Practice Eligibility Route, enabling IMGs to apply for provisional licenses. Another $500,000 is for the MCC to expand Practice Ready Assessments and develop alternative career pathways.
In June 2024, British Columbia streamlined 29 professions, including some in healthcare, such as clinical social workers and veterinarians. Ontario has made it easier for newcomer nurses to qualify for immigration, and has signed an agreement with Alberta to remove interprovincial barriers concerning foreign credential recognition.
Canada’s healthcare sector continues to grow, up from 2.07 million workers in 2019, to nearly 2.3 million people, according to Statistics Canada.
Sinclair offers empowering advice for IMGs. She emphasizes the importance of researching and seeking advice early, building a professional network, finding a mentor, thinking creatively, and looking into alternative healthcare roles early if needed, all the while being resilient.
“The journey can be long and challenging, but with the right approach, success is achievable,” she says.
above Cindy Sinclair
The top 3 skills every recruiter seeks
Mastering them will make you a stronger candidate
Recruiters often focus on three key skills when shortlisting candidates, regardless of the position. Mastering these skills can significantly enhance your marketability and make you a stronger candidate. These are transferrable and applicable across various jobs and industries. By identifying and improving these skills, you can boost your prospects throughout the job application process. Here are the top three skills employers look for, along with some common interview questions for each area.
COMMUNICATION
No matter what job you apply for, demonstrating strong communication skills will give you an edge over other candidates — and this is why recruiters highly value this ability.
Competent communication is a fundamental skill that hiring managers notice. It encompasses how you present yourself, the clarity of your communication and your command of language. Your ability to communicate effectively provides recruiters with insight into your clarity regarding the job and your future career. Remember, communication includes not just your written and verbal skills, but also your non-verbal communication.
TEAMWORK
With hybrid and fully remote work environments becoming the norm, being a team player is increasingly valuable in the workplace. Indeed, it is regarded as the second most important skill. Hiring teams specifically look for candidates who can work independently, collaborate with multiple teams, adapt to different work styles and communicate effectively in various settings.
Things rarely function in isolation anymore. Demonstrating that you can work well with others and build positive working relationships with colleagues can bring out the best in every team member, enhance morale and increase productivity. Employers prefer candidates who can work independently, collaborate effectively, and still deliver excellent results. In an interview, highlight your ability to delegate tasks and manage those you supervise positively. Sharing stories from past employment where you successfully collaborated with colleagues to achieve a significant goal can be particularly effective.
RESILIENCE
Resilience is the ability to face challenges,
obstacles and setbacks, including unexpected events, without allowing them to derail your resolve. In the workplace, resilience helps you function effectively even under pressure, maintaining a positive demeanour. Top performers in every industry demonstrate this grit, which is essential for long-term success. Moreover, beyond simply being affected by stress, your ability to cope with it like a pro can set you apart.
In a typical workday, dealing with multiple personalities, resilience helps you manage and control your emotions without affecting others. Resilient leaders are also self-aware, take good care of themselves, and, most importantly, show their vulnerable side. They don’t hesitate to seek help when needed. Other skills related to resilience include emotional intelligence (EI), mindfulness, purpose, self-care and building positive connections with others.
COMMUNICATION
Below are some common interview questions:
• Can you share an example of how your communication skills helped you successfully complete a task?
• Describe a situation when you had to speak out
in a meeting. How did you communicate your point?
• Tell me about a time when you successfully communicated with someone in a higher position.
• Describe a complex idea you had to explain to a colleague or your team. How did you go about explaining it?
• How do you keep your communication skills updated?
A successful candidate understands the importance of maintaining and developing their professional skills and abilities. Your aim is to underline your approach to professional development at every given opportunity.
Sample answer to: How do you update your communication skills?
“I believe it’s vital to constantly seek out opportunities to improve my knowledge and skills.
I take a keen interest in professional development. I am involved in networking groups related to communications and public relations,
which offer regular training and seminars. Additionally, I stay up to date on emerging trends by reading and researching, especially the impact of social media and AI on communications.”
TEAMWORK
Below are some common interview questions:
• What are your thoughts on working in a team?
• Share an example of how you resolved a challenge as a team.
• How do you motivate team members while working on a project?
• How do you deal with a challenging dynamic within a team?
• Do you prefer to work independently or as a part of a team?
While there are many ways to respond to interview questions about teamwork, the most important thing to remember is to tailor your response to the position you are applying for.
Sample answer to: Do you prefer to work independently or in a team?
“I’m comfortable working both independently
and in a team setting. In fact, I was fortunate to experience both in my previous job. Given a choice, I prefer working in a team, as the best ideas are often developed in collaboration with others. Since childhood, I have been part of sports teams; I played volleyball in high school and currently play on a local team in my community. This experience has greatly contributed to my ability to work effectively with others in a professional setting. My definition of a team is ‘Together everyone achieves more.’”
RESILIENCE
Below are some common interview questions:
• How do you cope with pressure?
• Describe a setback you faced and how you handled it.
• What did you do when something didn’t work out the way you had expected, and what did you learn from it?
• Have you worked with anyone who had a different opinion?
• Can you share how you managed working with someone you didn’t agree with?
• How do you handle criticism of your work or any negative feedback?
To demonstrate your resilience in a recruitment situation, share examples of how you reacted to stressful situations and what constructive strategies you leveraged to manage them. Remember, facts tell but stories sell. Show how you possess both the mental and the emotional stability necessary to adapt to situations and challenges.
Sample answer to: How do you deal with criticism of your work or any negative feedback?
“I know that the fortune is in the feedback. Feedback can be either negative or positive and it can come from clients, customers, peers or managers. I always welcome open, transparent feedback. This is an opportunity to polish my skills in the particular area and improve my performance. I make sure that I don’t become defensive, blame others, or ignore the feedback at all costs.”
Murali Murthy is an acclaimed public speaker, life coach and best-selling author of The ACE Principle, The ACE Awakening, The ACE Abundance and You Are HIRED! He is also chairperson of CAMP Networking Canada. Learn how he can help unlock your magic at unleashyourwow.com.
Post-secondary life doesn’t have to be overwhelming
When negative feelings take hold, it’s time to act
It is not uncommon for new post-secondary students to feel loneliness, anxiety and disappointment, along with the excitement, hope and pleasures that a new stage in life brings. However, negative emotions can take over sometimes and feel overwhelming. When these intense feelings interfere with the tasks ahead or jeopardize your success, some action needs to be taken.
Practice self-care
By acknowledging your feelings, you can better understand them. Once you identify what’s troubling you, you will need to consider solutions and strategies. Undoubtedly, you will try and think about how best to help yourself. Tolerating and managing upsetting emotions is, after all, a part of living.
Although it sounds simple, the usual advice for getting control over your physical and mental health remains key. Exercise promotes wellbeing, as does eating healthy and getting adequate sleep. It is so much easier to tackle new experiences and difficult situations when your body and mind are rested and looked after. Your ability to think clearly and problem solve is more reliable when you are in optimum shape, both physically and emotionally.
The school year can go by quickly and work can pile up, so time cannot be squandered. Anxiety, anger and low moods make concentrating on academic work much more difficult. If you are susceptible to low moods or anxiety, adding preventive measures to your schedule becomes even more crucial. Review what has helped you overcome difficulties in the past. Remind yourself why you are at school and what you want to accomplish. You may need to prioritize problem solving or take some time to distract yourself. Some clear thinking based on your own history will determine this.
Seek professional help when needed
If, despite your best efforts, your emotional distress continues to interfere with your studies and mood, you will want to take action to reduce the impact. While you can attempt this on your own, seeking input from others can help speed up the process and ensure you have full information and perspective. Those who are impartial or know you well, as well as those with expertise in dealing with mental and emotional health issues, can be helpful. Reach out to friends and family who you think know your strengths and vulnerabilities
as well as to your academic advisors and faculty who understand what is required and what can be helpful to you.
Most schools have counsellors who can help you take a step back to look at your situation and who will know if you need to consult with anyone else. Persistent mood problems may have a physical basis and a visit to a physician may be needed. When feelings take over, it is often very difficult to be a good judge of reality. Seeking help can prevent you from making decisions without knowing all the facts and possibilities.
Make a plan that focuses on your problem
Acknowledging emotions is important but that is just the first step. The goal is to develop and execute a plan that puts you back in control.
For instance, if you are too worried about your ability to compete in a tough academic program, you might decide to join a study group, reduce your course load to concentrate on core courses or find a tutor. Academic advisors can help you determine your next steps. If you are new to Canada and feeling homesick, ask yourself what might help, short of returning home. Would a short daily family update help? Can you visit relatives nearby? Do you need photos of your family in your room, or do you need to read
the local news from your home city to still feel connected? Counsellors can help you come up with strategies to address these feelings.
Be proactive about changing your situation
Post-secondary school puts you in charge of your academic work, making social connections, connecting with faculty and managing your finances. All these responsibilities can be overwhelming and the challenges that arise during your post-secondary life, often need to be addressed without some or perhaps all your usual supports.
As you try to rein in distracting emotions, you will also want to curtail self-criticism and avoid undervaluing yourself. Take it one step at a time. Find some courage within yourself to do what is necessary and make the changes you think are essential. Tolerate some failures and take some risks. If you are feeling isolated, initiate a greeting or an invitation. You may also join student clubs where you will meet others with similar interests, or you can attend school events. Making the effort and taking the step, no matter the outcome, is the goal.
Attending post-secondary school may bring uncomfortable feelings. Expect lows along with the highs. Make room for all your feelings but don’t allow them to take control.
Geneviève Beaupré and Susan Qadeer have extensive experience working in university and college settings, providing career, academic and personal counselling to international and immigrant students.
Significant reforms to the Temporary Foreign Worker Program Government tightens rules for low-wage foreign workers
The Canadian government has introduced significant reforms to the Temporary Foreign Worker Program (TFWP), effective September 26, 2024. These changes, focused on low-wage Labour Market Impact Assessments (LMIAs), are expected to have far-reaching consequences for workers and employers across the country, particularly in industries that rely heavily on foreign labour to fill low-wage positions.
The government’s decision comes in response to increasing concerns and criticism of the TFWP. By targeting low-wage industries directly, the reforms aim to reduce employers’ dependence on temporary foreign workers and encourage businesses to prioritize hiring Canadians and permanent residents.
Key changes to the TFWP
These restrictions consist of three key changes. First, low-wage LMIAs will no longer be processed in census metropolitan areas (CMAs) where the unemployment rate is six per cent or higher. However, industries like agriculture, healthcare and construction will be exempt from this rule. Second, employers will be limited to filling only 10 per cent of their workforce with temporary foreign workers in low-wage positions (down from the previous allocation of 20 per cent). Again, exceptions apply to the agriculture, healthcare and construction sectors. And finally, the maximum employment duration for low-wage LMIAs will be reduced from two years to one year.
Impact on low-wage workers
For newcomers or temporary foreign workers seeking low-wage jobs in major cities like Toronto, Vancouver or Edmonton, these changes could significantly impact job prospects. Given that unemployment rates in these cities often exceed 6 per cent, employers may struggle to obtain LMIAs for low-wage roles in large urban centres, where many temporary foreign workers have traditionally been employed.
It is important to recognize that CMAs differ from cities as typically understood. CMAs, as defined by Statistics Canada, include core cities and surrounding areas with a total population of at least 100,000, of which at least 50,000 reside in the core. This means regions like Ottawa-Gatineau, St. Catharines-Niagara and
Retail, hospitality and service industries in these urban areas are expected to be the hardest hit, while sectors such as agriculture, construction and healthcare will continue to offer job opportunities due to their exemptions from certain restrictions.
What workers can do
For those planning to work in Canada, it may be beneficial to focus on exempted industries like agriculture, healthcare or construction, which continue to experience labour shortages despite rising unemployment in other sectors.
Additionally, consider seeking opportunities in small towns or rural areas, where lowwage LMIAs will still be processed. These regions are subject to fewer restrictions, and many provincial nominee programs prioritize candidates in remote or rural locations, which could support long-term plans for securing permanent residency.
It is also crucial to stay informed. This update is one of several recent changes to the TFWP and the broader Canadian immigration system, with more likely to follow. These policy shifts often occur with little warning, and unemployment rates can change rapidly, making it essential for
newcomers and current workers to stay updated on the latest developments and be prepared for future adjustments.
Looking ahead
These reforms are part of a broader government initiative to phase out COVIDera policies in the TFWP. As Canada’s labour market evolves, the government is adjusting its strategies to align with current economic conditions. In a recent interview, Immigration Minister Marc Miller also hinted at further “significant” changes to permanent immigration levels, highlighting the government’s commitment to ongoing policy revisions.
It’s reported that in the coming months, labour market conditions will be closely monitored, with a review scheduled within 90 days. This could result in further updates, potentially affecting high-wage LMIAs, unprocessed LMIA applications and industryspecific exemptions. Even rural areas may face new restrictions as the government seeks to ensure the program addresses genuine labour shortages while preventing misuse.
Maxine Blennerhassett is with Canadian immigration law firm Larlee Rosenberg.
Abbotsford-Mission are also affected.
PARENTING
Give your child the tools to succeed
Create a supportive learning environment
With the start of another school year, students might experience various learning challenges. Some might be hesitant to ask for help, while others aren’t confident enough and will always seek help. How can parents support their children in their learning? Parents play an important role in teaching children essential learning skills and identifying how and whom to ask for help and most importantly, letting children know that asking for help is a sign of strength.
Learning skills
Learning is a lifelong journey. Give your children time and opportunities to identify their learning challenges, problem solve, make mistakes and learn from their experience. Allowing children to learn and overcome their challenges helps build their self-esteem, teaches them to be resilient and develops many life skills.
Learning tools
Ensure that children have the necessary learning tools for their schooling, such as pencils, notebooks, dictionaries, a computer and other technologies that they may need to succeed. Do not forget to pack healthy food for school, as children cannot learn if they are hungry. Depending on the student’s learning abilities and differences, ensure they have additional learning tools, such as headphones and fidget toys to help them concentrate and learn better in classrooms.
School support
Work closely with your child’s teachers to better support their learning needs. Let school administrators know of any additional learning needs or certain diagnosis so that your child may avail of services such as language support. Be specific in asking for what your child needs. It may be extra teaching support in the classroom, extra assignments, customized tips and strategies for your child and online resources. Make sure you check in periodically with the school as your child’s learning needs evolve.
Study groups
Study groups can motivate children to excel in their assignments, gain a better understanding of the material, and collaborate with like-minded classmates. A study buddy — someone who studies with your child — can bring different perspectives to a task, allowing them to scaffold each other's learning. They can also encourage one another and provide opportunities for additional peer learning and socialization.
Tutors and librarians
If your child needs additional support in certain subjects or needs help with homework and assignments, reach out to a tutoring service. Connect with other parents to get referrals to reliable and knowledgeable private tutors. Make sure that the tutor has an understanding of your child’s needs and builds a healthy rapport with your child. Remember that your local library has some great print and online resources, along with experienced librarians who can help with your child’s learning. The local library is also a great space to have your child meet with the tutor if you want in-person tutoring.
Technologies
Use of technologies in students’ learning can be beneficial but be mindful of their negative impact. Learn about your child's school technology policies and ensure that your child is aware and abides by the school rules. There are many great online learning resources such as apps for translation, editing and research. However, keep a check on excessive screentime and over-dependence on artificial intelligence to do assignments.
WE SUPPORT
INTERNATIONALLY EDUCATED NURSES
IENS’ SUCCESS IS OUR SUCCESS
Get personalized career support with one-on-one case management, job shadowing, mentoring, workshops, and employment referrals to advance your career. care4nurses.org
Learning is unique to every child, and it is up to parents to support them and give them the necessary learning tools to succeed in school and identify their
Bringing goods across the Canadian border
Ensure a stress-free return home
Whether you're bringing home gifts, souvenirs or practical purchases, it’s essential to know what items are restricted or require special documentation to enter Canada. Failing to follow these rules can result in delays, fines, or even the seizure of your belongings. Here’s what you need to know to ensure a stress-free return to Canada.
Restricted and prohibited Items
If you are travelling back from the U.S., before loading your car with purchases or souvenirs, be aware that some items are either inadmissible to Canada or require proper documentation to cross the border. For example, restaurant food or leftovers bought in the U.S. may not be allowed, as well as homemade food that isn’t properly labeled. The Canadian Food Inspection Agency (CFIA) has strict guidelines about what food products can enter the country, and these restrictions are particularly important in light of recent public health concerns.
In a recent advisory, the CFIA highlighted the avian influenza outbreak in certain U.S. states. As a result, travellers are being urged to check before purchasing poultry or other related food products that could potentially carry the virus. Similar restrictions exist for other items as well — such as antiques from local gift shops or soiled hiking boots, which could introduce harmful bacteria or foreign plant life into Canada.
If you’re unsure about what can or cannot cross the border, it’s always a good idea to consult the CFIA’s website before shopping or bringing food items across the border.
Declare your goods
If you are landing at any one of Canada’s international airports, you’ll need to declare any goods you’re bringing back using the primary inspection kiosk or an eGate to complete an onscreen declaration.
To save time at the airport, you can submit your declaration before you even arrive in Canada by using the Advance CBSA (Canadian Border Services Agency) Declaration feature in the ArriveCAN app. This can be done up to 72 hours before your arrival.
Travellers may already be familiar with items that they cannot bring or need to have permission for, such as explosives and firearms, and any endangered animals or native plants or animals (dead or alive) from another country. There is a detailed list of food items for personal
use that you cannot bring into the country, especially from the U.S., as well as labeling requirements for certain meat products. Refer to these guidelines before making any purchases.
While cannabis is legal in Canada, bringing it across the border in any form, including oils that may be used for aesthetic or medicinal purposes, without a permit or exemption authorized by Health Canada, is a serious criminal offence.
Items to declare
If you’re entering Canada in a private car, boat or aircraft, you’ll be checking in at the border with a border services officer. Here are some items that you must declare:
• Any goods you’ve purchased.
• Gifts, prizes or awards that may have significant monetary value.
• Items bought at a duty-free shop, whether in Canada or abroad.
Be aware that you might need to pay duty and taxes on these items. If you think your item may be taxable, it’s always a good idea to check with the duty and taxes estimator provided by the CBSA. If you’ve been outside Canada for a certain length of time, you might qualify for a personal exemption, which allows you to bring
goods back without paying regular duty and taxes.
If you’re unsure at the border whether you need to declare your items, it’s best to declare them. The border services officer can then assist you with any applicable duties or taxes you might owe. The amount of goods you can bring back without paying duty and taxes depends on how long you’ve been outside Canada, and you may qualify for a personal exemption.
Goods made in Canada, the U.S., or Mexico are duty-free if they are for personal use. Failure to declare goods or making a false or incomplete declaration can result in your items being seized and potential fines. In some cases, you may pay a fine to have seized goods returned, but this does not apply to tobacco, alcohol or firearms.
Travelling with money and valuables
You must declare any money or monetary instruments (like stocks or bonds) valued at $10,000 or more when entering or leaving Canada. If you’re travelling with valuable items that were acquired in Canada, you can register them with the CBSA before leaving to avoid any hassle upon return.
By following these guidelines, you can make your return to Canada as smooth and hasslefree as possible. Safe travels!
An attitude of gratitude
Practising thankfulness can drastically improve our lives
When asked if my cup was half-full, or half-empty, my only response is that I am thankful I have a cup.” – Anonymous
With the affordability crisis at its peak, conflicts raging in almost every part of the world, and a culture that seems to be spawning impenetrable complexities, it’s hard not to let negativity seep into our lives.
We are so busy trying to keep up with all the demands and pressures of daily life, we let much of the good slip past us. We tend to wear the badge of busyness proudly as if that’s the only option available to us.
It might seem counterintuitive then that the time-honoured tradition of gratitude appears to be out of step with today’s values. Yet, this seemingly simple act has been shown to have measurable improvements on our mental health, decrease the risk of certain diseases and flood our brains with volumes of feel-good serotonin.
The American Psychological Association defines gratitude as ‘a sense of happiness and thankfulness in response to a fortunate happenstance or tangible gift.’
Gratitude is really a state of being. It takes mindfulness and presence to really experience gratitude’s benefits, but simple acts like expressing appreciation for someone in your life, actively listening to another and random acts of kindness can actually amplify our sense of contentment and joy.
On a physical level, gratitude has many documented benefits, including better sleep, increased immune function and reduced symptoms of depression and anxiety.
People who practise gratitude are also more likely to behave less aggressively towards others. They tend to experience more sensitivity and empathy towards problems of another.
Gratitude has also been shown
to have a positive impact on selfesteem. Rather than being envious of the accomplishments of others, grateful people will celebrate the successes of other people.
In a 2021 literature review, Cregg and Cheavens (2021) found that gratitude has a positive correlation with forgiveness, life satisfaction and extraversion among other traits.
In a 2003 study Dr. Robert Emmons states that gratitude has two components. The first is acknowledging that positivity exists in your life. Grateful people give a lot of affirmation to life, enough to say that life is worth living.
The second part, says Emmons, is that gratitude exists outside the self. We can be thankful for others in our lives, nature, the planet, our circumstances, but not to the self. When consciously engaged in the process, we are not only acknowledging all the goodness that life has to offer, but also who to thank for it.
When gratitude is incorporated into the rituals of daily living, it’s considered a strength. When practiced every day and consciously, this strength can be amplified through mindfulness, practice and awareness.
As a new Canadian, you may find that this country has not lived up to your expectations. Perhaps finding that dream job has proven harder than you thought. Perhaps that dream house you wanted has proven to be unaffordable.
As we prioritize material possessions and our health, it’s good to be reminded of the role gratitude can play. While acknowledging our employment, health and education as important, it’s necessary to look beneath the surface as well.
That's where, we can find the quiet pleasure that simple things — like a robust conversation with a friend, an inspiring book, or the joy of a great meal — provide, yet often go unnoticed. Regardless of what
these pleasures offer, by making our thankfulness conscious, we cultivate a practice that takes our gratitude beyond external factors.
There are numerous ways you can begin to cultivate an attitude of gratitude. Meditating, keeping a
gratitude journal or focusing on one element that you are thankful for are good starting points. By making gratitude a conscious part of your daily living, you will start making room for the things that matter most and steer your life in a new, positive direction.
Carter Hammett is a freelance writer with two decades of experience in social work, employment counselling and adult education.
Hazel McCallion Line
CANADIAN FILMS BY IMMIGRANT TALENT CAPTIVATE AUDIENCE AT TIFF
By Baisakhi Roy
Hordes of adoring film fans lined up on King Street West, rechristened Festival Street for the duration of the 2024 Toronto International Film Festival held from September 5 to 15. They were cheering on their favourite stars, including Hollywood royalty
like Angelina Jolie, Denzel Washington, young Australian sensation Jacob Elordi, activist and icon Malala Yousafzai, Korean superstar HyunBin and iconic singer Bruce Springsteen who sparkled on the red carpet and indulged their fans with selfies and autographs.
As the excitement unfolded on the streets, the festival showcased a diverse array of 278 films. Among them, Canadian films made by notable immigrant talent garnered praise from critics and audiences alike. Somali-born K’naan Warsame’s directorial feature Mother, Mother was awarded one of the top prizes at the festival — the FIPRESCI Award, presented by a jury of international critics to a debut feature film having its World Premiere in TIFF’s Discovery programme. Warsame, who was also one of the recipients of Canadian Immigrant’s Top 25 Awards in 2012, is one of Canada’s most accomplished recording artists, having won the Juno award for his debut music album, “The Dusty Foot Philosopher.” His chartbusting single “Wavin’ Flag,” was selected by Coca-Cola as its official song for the 2010 World Cup. In his directorial debut, Warsame tells a stirring tale of familial bonds based in rural Somalia.
China-born Johnny Ma’s The Mother and The
Bear, a touching tale of a Korean widow flying to Winnipeg to care for her comatose daughter received a standing ovation from the audience. Ma, who does not speak Korean, told the audience after the screening that his unfamiliarity with Korean culture was never a factor because the story was universal. “I saw my mother through the character of this woman. So, it just felt right to have this woman telling the story I wanted to. The fact that I’m not from Winnipeg also didn’t matter for this very same reason,” he said.
Another heartwarming story about a family navigating an unfamiliar culture was depicted in Oscar winning animator, Norway-born Torill Kove’s charming film, Maybe Elephants, which was inspired by her own experience of living in Nairobi, Kenya as a teen.
“In our hometown, in Norway, we were allowed to do what we wanted as long as we were home by supper, but in Nairobi, we had to navigate an enormous sprawling city where our parents’ freewheeling parenting approach was neither practical nor safe,” she explains.
“In the middle of all this, we were also just teens being teens, making new friends from all over the world, learning to speak English,
above Halima Elkhatabi. Photo by Maude Chauvin
exploring an exciting city, going dancing, driving around listening to music, skipping school, experiencing falling in love one day and a broken heart the next,” she says.
Kove was cognizant of the fact that she was making a film set in Kenya and consulted the local Kenyan community during the process. “I had some concerns about telling a story based in Kenya because I’m not Kenyan. Throughout the production, we were in dialogue with Kenyan Canadians in Montreal, and with their help, I think we managed to set a high bar for
respectfulness for the film’s location. Our question was always: What would a Kenyan audience think?” she says.
England-born Jason Buxton’s thriller, Sharp Corner, filmed in Halifax, Nova Scotia, kept the audience at the edge of their seats. The film tells the story of a couple traumatized by car accidents that take place with alarming regularity on the front lawn of their suburban home, with the husband developing an unhealthy obsession with being prepared for the next accident.
TIFF is never without its controversies and this time, Russian-born filmmaker Anastasia Trofimova’s documentary Russians at War was at the centre of one. The documentary is told from the perspective of disillusioned Russian soldiers on the frontlines of the war in Ukraine. Large protests by members of the Ukrainian community in Toronto who called the film propaganda aiming to humanise Russian soldiers, and looming security threats forced TIFF organizers to cancel public screenings of the documentary.
Exploring identity and individualism
France-born Halima Elkhatabi has the special distinction of having two of her films showcased at the festival this year. A short film Fantas and a documentary, Living Together. In her eyeopening documentary, the filmmaker portrays the life of young people in Montreal looking for accommodation at a time when the housing shortage is at its worst in years. The filmmaker found her interviewees through Facebook ads and was surprised by their openness, especially post-pandemic. The documentary explores themes of identity, housing and shared living, highlighting the vulnerability of tenants and the power dynamics with landlords.
“I was deeply interested in the concept of home — having a place to live safely and securely. This interest was sparked by the housing crisis in Montreal and other large cities, where many people are forced to share their homes with strangers,” she says. “It's not just young people in their 20s facing this; I encountered people in their 40s and 50s too, who, after a divorce or due to being single, find it challenging to afford
living alone. I realised there was a unique story to tell about the relationships between tenants, something rarely explored in documentaries,” she explains.
Her subjects are vulnerable, seeking to define their individualism while sharing their lives with strangers, talking frankly about their challenges, be it mental health issues, living with special needs or loneliness. Elkhatabi who came to Quebec 24 years ago remembers being pleasantly surprised by how welcoming people were.
“At that time, everyone seemed genuinely curious and friendly, which was quite different from what I had experienced in France,” she says. She finds that things changed after the September 11 attacks, which brought about new laws and political shifts, particularly around immigration. For now, she is looking forward to reconnecting with her culture through her work.
“As I get older, I find myself wanting to make more documentaries about my own roots, like in Morocco. My parents are from there. I realize now that I don’t know as much about my own culture as I’d like, and there’s this urgency to explore and document it before it’s too late,” she says.
above Torill Kove. Photo by Julie Artacho
A scene from Sharp Corner
A scene from Living Together
A scene from The Mother and the Bear
EMBRACING THE UNKNOWN
Academician Maria João Maciel Jorge urges immigrants to follow their passion
By Lisa Evans
Many newcomers arrive in Canada with a clear vision of their new life, driven by the hope that hard work and determination will lead to success. Maria João Maciel Jorge, who now goes by M.J., arrived with an illusion of a dream but no concrete plan. Today, she’s an associate professor of Portuguese and Luso-Brazilian Studies and the associate dean of global and community engagement at York University. Her story is one of resilience, embracing the unknown and forging her own path.
Growing up in the Azores, a tiny island off the shores of Portugal, M.J. lived a fairly isolated life. “I was a girl in a very conservative society,” she says. The predominantly Catholic island upheld traditional gender roles, which this inquisitive young girl struggled to accept. “My destiny was to finish high school, marry some local boy and have herds of children,” she says.
Relatives from the US returned to the Azores with manicured nails wearing provocative clothing and makeup; all of which was very appealing to a young island girl who craved the freedom to make her own choices.
The summer she turned 17, she met a Canadian boy whose parents had immigrated from the Azores. “I was enamoured by the idea of him and what he represented,” she says. They married when M.J. was 18 years old, and she came to Canada with a new husband and $79 in her pocket. “I remember getting on the highway and thinking to myself, ‘Where in the hell are all these people going?’ I couldn’t comprehend how everybody flew in and out of the parallel lanes. The immensity, the vastness — a land that doesn’t end — that was both exciting and terrifying,” she says.
Fascinated by the noise of the urban cities in North America, M.J. was disappointed to find out that her new husband lived in Dresden, a
rural town in southwestern Ontario, not the big city she had imagined when she thought of Canada.
When her marriage ended five years later, M.J. found herself a single mother in a country where she hardly knew anyone and had no plan. “I had no clue what I wanted to pursue,” she admits.
As a young single mother, M.J. worked a series of jobs — in a restaurant, as a hairdresser, and as a maid. She laughs when she recalls being fired from her job as a maid. “He [the employer] said, ‘You may be Portuguese, but you’re not a good cleaner.’ I said, ‘I’m sorry my ethnicity has fooled you. We’re not all the same.’”
Eventually, she landed a job at Dofasco, a factory in Hamilton, and convinced her manager to let her work as a welder. “I started to realize that welders make a lot more money and seemed to have a more creative job. It wasn’t the same repetitive tasks all the time,” she says.
But working in a factory in an industrial city was not the Canadian life that M.J. had fantasized about. Going back to the Azores also wasn’t an option. Being a single mother in a Catholic society would not have been embraced well by her family. “I thought, there’s got to be another way. Look how big this country is. There’s got to be something else I can do,” she says. Unlike the tiny island where she grew up, being in this vast country, M.J. saw an opportunity to do something new.
With some savings from her welding job, M.J. decided to go to university, becoming the first in her family to do so.
“I never dreamed I would be a professor. I didn’t even know that was a job,” she admits. What she did know is that university felt like home. “In university, I was no longer that strange young woman with existential angst. It
answered what I always knew as a child, that I loved learning.”
M.J. earned a degree in French and Spanish, and with encouragement from a professor, pursued a master’s and later a PhD. Most recently, M.J. published The Hyphen: And Other Thoughts From The In-Between, a collection of essays that explores cultural heritage, hyphenated identity and the complexities of immigrant life.
“My entire adult life has been as an immigrant, keenly aware of others like me, never fully belonging but making the most of all iterations of oneself, sometimes multiple identities,” she says.
Her efforts to raise the profile of the Azores abroad, which included the creation of an undergraduate course at York University focused on the culture and literature of the Azores, did not go unnoticed. She received a Medal for Professional Merit from the Government of the Azores in 2019.
Reflecting on her journey, M.J. says, “The beauty of this nation is that it allows us to keep trying.” She now teaches the children and grandchildren of immigrants and sees the same clash between tradition and modernity, between their desires and family’s expectations, that she faced as a young adult. She encourages her students to follow their passions and embrace the unexpected.
“I believe that my early years in Canada as an immigrant of poor means, working in lowpaying jobs and trying to scrape by, gave me a complete understanding of how difficult it is to be an immigrant. My interactions with fellow immigrants, especially women have not just motivated me but also instilled in me a sense of duty to document their struggles, to honour them in everyday acts by never forgetting,” she says.
Daddy, when will you be a doctor again?
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Start planning your financial future today Understanding capital gains tax in Canada
Navigating the world of investing can be overwhelming, especially when it comes to understanding the concept of capital gains. In this guide, we’ll explain capital gains and discuss important tax considerations, including recent rules from the Canada Revenue Agency (CRA). We’ll also highlight the significance of tax and estate planning in managing your investments.
What are capital gains?
A capital gain occurs when you sell an investment for more than its purchase price. Conversely, if you sell an investment for less than you paid, you incur a capital loss.
Investments are assets bought with the expectation that they will grow in value over time or generate income. Common types of investments include stocks, bonds, mutual funds, real estate and even businesses. The purpose of investing is to increase your wealth by providing returns that ideally outpace inflation.
For example, if you buy shares of a company for $1,000 and hold them for several years, you expect their value to increase, allowing you to sell them for a profit in the future.
How to calculate capital gains
To calculate a capital gain, follow these simple steps:
1 Determine the purchase price: This is the amount you paid to acquire the investment. For instance, if you bought a stock for $50 per share and purchased 10 shares, your purchase price is $500.
2 Determine the selling price: This is the amount you received from selling the investment. If you sold those 10 shares at $70 each, your selling price would be $700.
3 Calculate the capital gain: Subtract the purchase price from the selling price.
In this case, you made a $200 capital gain by selling your shares.
New CRA rules on capital gains
In Canada, up to recently, only 50 per cent of your capital gains were included in your taxable income, meaning if you made a $200 capital gain, only $100 would be taxed.
Recent changes introduced by the CRA have revised the taxation of capital gains. For corporations, twothirds of all profits are now included in taxable income. For individuals earning profits exceeding $250,000, 66.67 per cent (or two-thirds) of their capital gains will be included in taxable income. For those earning below this threshold, 50 per cent of capital gains remain taxable. This adjustment is intended to create a fairer tax system, particularly for higher earners and corporations.
The importance of tax planning
Effective tax planning is essential for managing your investments and preparing for tax liabilities. Since capital gains can significantly affect your overall tax bill, it’s wise to strategize when to sell your investments. Here are some strategies to consider:
1 Holding period: Holding onto your investments for more than a year may reduce tax liability since
long-term capital gains are generally taxed at a lower rate. When you buy and sell frequently in a year it could be deemed business income versus investment capital gain.
2 Tax-loss harvesting: If you have capital losses, you can sell losing investments to offset gains from profitable sales, helping to reduce taxable amounts.
3 Tax-advantaged accounts: Contributing to accounts such as RRSPs (Registered Retirement Savings Plans) allows your investments to grow tax-deferred.
4 Consult a professional: A tax professional can provide personalized advice and insights into changes in tax regulations.
Estate planning
In addition to tax planning, it’s important to consider estate planning as part of your overall financial strategy. This involves organizing how your assets will be distributed after your death. This can include investments, properties
and valuable items.
Effective estate planning ensures your heirs benefit from your investments and may help minimize estate taxes. This process often involves setting up wills, trusts, and designating beneficiaries for your accounts to ensure that your assets are passed on according to your wishes.
By addressing both tax and estate planning within your investment strategy, you prepare for future financial implications, mitigate potential tax burdens, and secure a lasting legacy for your assets.
Conclusion
Understanding capital gains and their tax implications is crucial for anyone engaging in the world of investing. Familiarizing yourself with investment concepts, the new CRA rules and the importance of tax and estate planning will empower you to make informed decisions. Start planning your financial future today to navigate the complexities of managing your investments effectively. Happy investing!
Shalini Dharna is a CPA and Investment/Insurance Advisor at Dharna CPA Professional Corporation.
Tips from a successful entrepreneur How to grow and expand your business
Watson Design Inc. (WD) is a custom trophy design studio, crafting boutique awards for businesses around the world. In 2013, Canadian Immigrant interviewed its founder, Andrew Watson, an Australian native who had recently immigrated to Vancouver and started the business.
Over ten years later, the business has expanded and continues to thrive, having worked with a host of well-known clients including Google, Disney and the United Nations. Now a talented tight-knit team of 11, the business was awarded a Silver New York Product Design Award earlier in the year.
Given his wealth of experience, Andrew has shared some of his key learnings and tips for entrepreneurs looking to tackle challenges and grow their business.
Create a winning formula
It’s vital to establish a winning formula that works for your business and stick to it. Before starting WD, I conducted vast amounts of market research and planning to identify a gap in the market and determine how to position the business. A simple SWOT (strengths, weaknesses, opportunities, threats) analysis was extremely helpful in conducting thorough and informative research.
I found that the majority of awards out there were generic and tacky. Traditionally trophy shops would cast awards in metal. I intentionally bucked the trend and decided to work with materials and processes that were not commonly used in the trophy industry.
I decided that clients needed to be involved in the design process to create completely unique and custom, beautiful recognition pieces that recipients would value and would show genuine gratitude.
I believe that the key to success is 40 per cent hard work, 20 per cent talent and 40 per cent pure luck. I have always been mindful to respect the business for its successes and not take it for granted. My formula has been a success, but I am not a gambling type of person and don’t push for major expansion. Bigger is not always better.
Build a business network
A strong business network is key to starting and running a small business. I have surrounded myself with peers to share experiences, which have provided countless solutions to challenges.
I’ve found that building a network of clients has a snowball effect. I have an ethos to never be rude and always provide good professional services and it’s shown that clients will return and share their experience with other businesses. It’s as simple as that. Big or small clients, we treat them all the same.
Develop new skills
There are too many key skills to list that I’ve had to develop since launching WD, but all of them have been important to its continued success. I was a designer with a master’s degree. Then I needed to learn how to be a boss, bookkeeper, HR manager and much more, all while solving every problem that came my way. It’s a lot to take on but my advice is not to get overwhelmed. Just keep an open mind and stick to your business principles; the development of skills outside of your specialization will come over time.
Find and retain the best employees
We have a great team here at WD who have helped with its growth and success. Working with a team of other designers is inspirational and it’s great to experience a range of perspectives within the office. Our team is all very passionate about every project they work on which translates into the quality of our finished products.
We offer what I think is a unique workplace. I aim to be friendly and treat everyone with respect. We provide competitive salaries, a four-day workweek, varied job duties, and each person is self-directed — never micromanaged by me. I think these factors are all important for attracting our amazing employees.
Engage with clients and attract new ones
Having an online presence for old and new clients to find us has been crucial to the growth of WD. I recommend developing a visually attractive, informative and easy to navigate website with strong SEO. Social media has been useful too and we have built a following on social media platforms including Instagram, Pinterest and now LinkedIn, which is proving effective for B2B networking and engagement.
Andrew Watson is an industrial designer and the founder of Watson Design Inc.
