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how-to choose College incentives
Consider these community college benefits
ollege is the next natural step for many students after they finish high school. The process of finding a school begins in junior year of high school, and students and their parents may visit many different colleges and universities throughout the next year. Even though the bulk of the focus might be on four-year schools, students who may not yet have everything all figured out should not overlook the many benefits of community colleges.
Some community colleges also have vocational programs. Community colleges are a viable option for students interested in continuing their education. Undergraduate students studying at community colleges can earn academic credit that will eventually go toward a bachelor’s degree should they choose to continue schooling. The following are some of the benefits of community college.
FLEXIBLE ADMISSIONS PROCESS
Community colleges do not have the same time restrictions and other requirements as schools offering four-year degrees. Interested parties may be able to register for classes at any time and not have to worry about being accepted or not.
PART-TIME SCHEDULING
Community colleges often offer parttime academic coursework, which means
students do not have to take a set number of credits each semester to remain enrolled. This allows students to attend college classes according to their own schedules and work at their own pace.
MORE AFFORDABLE TUITION
Lower tuition is one of the major draws to community colleges. The career planning resource Indeed says that many community colleges further discount their offerings to in-province students. This helps make post-secondary education much more affordable, particularly for those who are not sure about what they want to study.
SMALLER CLASS SIZES
Many community colleges have smaller class sizes that make it easier for students to adjust to the pace of college life.
PROXIMITY TO HOME
As the name implies, community college is a school that serves a particular community. That means it is likely close to home for the majority of students. Students who may not be willing or able to go away to school may appreciate the convenience and proximity of a community college. Community college is an option that students may want to explore as they pursue post-secondary education. ●
Career choices Technical training
Demand is rising for career and technical education
A
four-year college degree is not necessarily the next step for students after they graduate from high school. The rising cost of college tuition has revitalized interest in career and technical education (CTE).
According to data from the National Student Clearinghouse, enrolment at community colleges rose 2.6 per cent in 2023 compared with a year earlier, enhanced by a 16 per cent surge at schools with a focus on CTE. Similarly, a survey by Edge Research commissioned by the Bill & Melinda Gates Foundation found on-the-job training seems to be more valuable to both high school students and non-enrolled graduates than a four-year degree, with 83 per cent of the former stating it is excellent or good in value, compared to 80 per cent for college. Favour for CTE schools is up 63 per cent from the previous year.
The New England Association of Schools and Colleges says CTE has evolved from a traditional vocational school model to one that offers academics and skills for higher education and careers in skilled trades, technology and applied sciences. Demand for this type of education continues to grow, with various state superintendents and
A four-year college degree is not necessarily the next step for students after they graduate from high school.
directors of CTE programs indicating they can only accommodate a fraction of the applicants they get for CTE programs.
While a traditional four-year university might be the right path for some individuals, CTE has proven ideal for many others. New York City schools Chancellor David Banks has said it’s a sentiment being shared across the nation, that there is another way and another track for students to be successful. CTE may help students get more excited about school and view themselves in careers they may not otherwise be exposed to.
Exploring the Career and Technical Education route can be highly satisfying and financially rewarding. Careers are diverse, and students can find a track that enables them to start training and working by investing less than they would if they were to attend a traditional college.
More than an apartment, we’re a community! With 10 uniquely designed amenity spaces open to all residents, Vibe Lofts inspires a new way of living and coexisting. Our Studio, One, and Two Bedroom suites offer 11 feet exposed concrete ceilings, sleek and modern design elements, in-suite laundry in every unit, and various layouts to fit your needs. Contact us today to come feel the VIBE for yourself!
Safety tips Online Protection
4 ways students can reduce their risk of fraud
ike all Canadians, post-secondary students are facing increasing fraud attempts. According to a recent survey from Royal Bank of Canada, almost half of students polled say they have been met with more fraud attempts since starting their post-secondary studies. Still, many students may not be doing enough to keep their money and information safe. Almost 60 per cent of post-secondary students admit they are not as vigilant as they should be when it comes to reducing their risk of fraud.
“With new, sophisticated scams on the rise, and many students managing their finances for the first time, being aware of the risks, knowing how to spot scams and taking steps to protect personal and financial information are key,” says Kevin Purkiss, the bank’s vice president of fraud management.
Purkiss offers four steps students, and all Canadians, can take to reduce their risk of fraud and stay ahead of scammers.
THINK TWICE ABOUT WHO YOU TRUST:
Got a message out of the blue asking for your information or money? Do your research and give the company a call through their official number. Remember fraudsters often impersonate government
officials, bank staff, law enforcement, retailers and other brands to gain your trust.
PROTECT YOURSELF:
Turn on banking alerts, monitor account activity and check your bank and credit card statements regularly. Use multi-factor authentication whenever possible. Change your passwords regularly, making them tough to guess, and use different passwords for different sites. Consider using a passphrase which consists of a sequence of different words.
STAY SAFE ONLINE:
Never enter login information or credit card details unless you’re sure a website is legitimate. Red flags include spelling errors, a URL that doesn’t match the company’s verified site or no security lock symbol in the address bar.
PAUSE BEFORE SHARING… OR ACTING:
Never share your debit card, credit card or banking passwords, and limit sharing personal information on social media. Avoid clicking on links or opening attachments from unknown senders. Watch for anything asking you to respond immediately. If an offer is too good to be true, it usually is. ●
Tuition tips Understanding RESPs
How much money do you need for post-secondary education?
e’re all dealing with a higher cost of living. If you’re the parent of a student heading off to post-secondary school this year, you’re probably feeling the pinch more than most. According to Statistics Canada, 2023/2024 tuition fees for an undergraduate degree across Canada averaged $7,076.
And that’s just for tuition. There are also expenses for textbooks and other course materials, student fees, school supplies and modern-day essentials like a laptop and a cellphone. The CST Foundation projects the cost of a four-year university program while staying at home would be $78,000 in 2042, based on university websites and Statistics Canada data.
If your child wants to go to school out of town, out of province or out of country, they’ll have to factor in the cost of accommodations and meals. Many firstyear students opt to live in residence and sign up for the school’s meal plan. But, if they want to rent an apartment, they should know that most leases are for 12 months, even if they’re only in school for eight.
The good news is there are ways to help offset the costs of attending post-secondary school. Many schools offer admission scholarships based on academic, artistic or athletic achievements. You may also qualify for bursaries or other financial aid
directly from the school, or from charities and foundations.
One of the most common ways Canadian parents can plan for the costs of their child’s education is by opening a Registered Education Savings Plan (RESP). RESPs offer great incentives to help grow your investments. The Canadian federal government, and some provinces, provide ways to accelerate RESP savings through grants and tax-deferred growth.
RESPs offer flexibility for a range of post-secondary options including college, university, trade schools and apprenticeship programs.
Learn more about student awards and RESP options at cst.org. ● – News Canada
Somerset Place Rental Apartments
1209 Richmond Street | London, ON | N6A 3L7
Somerset Place Rental Apartments 1209 Richmond Street | London, ON | N6A 3L7
Somerset Place Rental Apartments 1209 Richmond Street | London, ON | N6A 3L7
somersetplacelondon@realstar.ca
1 bed from $1400* | 2 bed from $1675* | 3 bed from $1995*
*Plus hydro. Pricing and availability subject to change.
*Plus hydro. Pricing and availability subject to change.
*Plus hydro. Pricing and availability subject to change. 226.213.4862
• Fully renovated 1, 2 & 3 bedroom suites
• Fully renovated 1, 2 & 3 bedroom suites
somersetplacelondon@realstar.ca
1 bed from $1400* | 2 bed from $1675* | 3 bed from $1995*
1 bed from $1400* | 2 bed from $1675* | 3 bed from $1995*
• Underground parking
• Underground parking
• Secured entry
• Secured entry
• Underground parking
• Four appliances
• Four appliances
• Fully renovated 1, 2 & 3 bedroom suites
• Heat and water included
• Four appliances
• Heat and water included
• Balconies
• Heat and water included
• Balconies
• Fitness facility
• Balconies
• Fitness facility
• Fitness facility
• Secured entry
• Bus routes #6 and #13 at your doorstep (short ride to downtown) Just a short walk to the University
• Outdoor sports pad • BBQ area • Bus routes #6 and #13 at your doorstep (short ride to downtown) Just a short walk to the University of
• Outdoor sports pad
• BBQ area
• Outdoor sports pad • BBQ area
• Bus routes #6 and #13 at your doorstep (short ride to downtown)
WINDERMERE PLACE
CITY PLACE
life planning
Bridge your training
How newcomers can find meaningful careers in Canada
f you’ve recently moved to Canada and are frustrated by a tough job market, you’re not alone. Many newcomers struggle to find similar positions to those they held back home and take on survival gigs to support their families. Fortunately, there are many things you can do to get closer to your dream job. Here are some tips to get started:
RESEARCH YOUR FIELD IN THE LOCAL ECONOMY
Learning more about your industry in Canada can help you understand the unique challenges and opportunities here, and better position yourself in cover letters and interviews. Plus, it can mean knowing which jobs and skills are most in demand and what competitive salary ranges are.
To get this key info, check out professional association websites, newspaper articles and industry publications. Even expensive insider conferences will post trends and event summaries on their websites.
UPDATE YOUR RESUME FOR THE CANADIAN MARKET
Did you know that in most fields, a resume should be a maximum of two pages? This is shorter than the norm in many other countries, so it’s important to keep
it brief and focus on your main achievements. Hiring managers like to see how past experiences directly relate to the job you’re applying for, specific examples rather than generic skills and numbers to quantify your success.
USE INFORMATIONAL INTERVIEWS TO NETWORK
Informational interviews are popular in Canada, and a great way to get an insider’s perspective from a leader in your field. During an info interview, you’ll be able to have a friendly conversation with them over coffee or virtually and ask questions about their career path, education and more.
Not sure where to find an industry leader to talk to? Contact the CEO or other executives of companies you’re interested in – you’ll be surprised how many are happy to speak with you. Just make sure to keep it casual; this is a longterm networking play, not the time to ask for a job.
LOOK FOR A BRIDGING PROGRAM IN YOUR INDUSTRY
Organizations and a number of post-secondary college programs are dedicated to helping newcomers succeed are a great resource that can help you overcome barriers and get your foot in the door. ●
400 LYLE STREET, LONDON, ONTARIO
These 1, 2 and 3 bedroom suites (many with den options) offer many of the luxuries of condo living, but at rental prices. Not only that, everyday conveniences, green spaces, funky coffee houses, London Transit, Budweiser Gardens and more, are practically outside your door.
BUILDING AMENITIES
• Security/Concierge
• 24-hour fitness centre
• Party room available
• Study lounge/library
• 24-hour ground floor laundry
• Secured underground parking
• Secured bike storage room
• Security cameras throughout
• On-site Super & Management Office
• Floor to Ceiling Windows
• Stainless Appliances
• Quartz Countertops
• Fitness Centre with Yoga Studio
• Concierge
• Theatre Room
• Games Room
• Party Room
Rental Office 561 Sherbourne St. hours
Mon – Thurs 11am–7pm Fri, Sat & Sun 10am – 4pm
habit stacking Start investing
How to help make your money grow
n today’s complicated financial environment, every dollar counts for Canadians. Many may miss the opportunity to maximize their money. The question is: how should Canadians allocate their funds? Should they put it towards personal spending, savings or high-interest debt? What if there was another way to use that money for more financial benefit? Consider investing.
A TD survey found that 47 per cent of Canadians have not made or are not planning to make any contributions to their investments this year. They do not
feel confident in their investment knowledge or that they’ll be able to retire by the time they plan to. This financial education gap may cause many to miss out on strengthening their investment portfolios.
Before making big investment decisions, meeting with an advisor or personal banker who can help you navigate your financial needs can be beneficial.
What should you be investing in to optimize your financial future? You may want to consider taking advantage of registered plans available in Canada, including Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs). Whichever you choose, the important thing is to get into an investing habit and stick to it.
Contributing to investments is essential. If you’re interested in starting your investing journey, financial institutions offer a variety of tools and resources, including personal bankers, to help Canadians reach their financial goals. ● – News Canada
Rivervale Apartments
Be one of the first to call the brand new Rivervale Apartments home! We are thrilled to be renting our perfectly appointed bachelor, one and two bedroom units in our completely renovated and reimagined building. Call, email or visit us today! Our Rental Agents are ready to find you your future home at Rivervale Apartments.
Ogilvie Towers
Ogilvie Towers is perfectly situated for families, students and people of all ages. It is within walking distance to schools, shopping and entertainment. Getting around is easy with public transit running right by the building. Our bright apartments feature a full-size fridge, stove and dishwasher. We are pleased to offer our tenants access to our whirlpool, sauna, fitness room and reading lounge! Smoke free. Contact us today and ask about our recently renovated units!
Starting at $995. Modern fully furnished 1–4 bedrooms suites. 6 appliances. Amenities: music studio, basketball court, art room, 10 study rooms, movie lounge and gym complex. For housing there is nothing like THEO in the heart of Ottawa.
1Eleven
Find the ultimate off-campus student living experience at 1Eleven – Ottawa’s favourite all-inclusive student apartments community! Enjoy premiums like the study lounge, gym/yoga room, concierge-style front desk, and more!
1Eleven is a short walk to the University of Ottawa, grocery stores, shops, and the Byward Market, and a quick bus ride to Carleton U.
Help your teen become
tax savvy
Money smart
Life moves fast. One day you’re holding your baby and the next, you’re teaching your teenager important life skills to prepare them for adulthood – from doing their own laundry and cooking their own meals to searching for their first job.
Doing their taxes is another important skill teens will need to learn. Teaching them doesn’t have to be hard.
A simple way to get started is to introduce them to the Canada Revenue Agency’s interactive “Learn about your taxes” online tool.
Through lessons, quizzes and videos this tool teaches your teen what they’ll need to know about taxes once they start working, how to understand their first pay stub, what benefits and credits are about and what their tax obligations are.
Understanding the basics when they are still young will improve their confidence
when it’s time for them to do their taxes independently.
And, it will help them get the tax refund and benefit and credit payments they may be entitled to at different stages of their life.
Benefits like the GST/HST credit and the Canada child benefit (for grandkids, someday) are administered through the tax system. Doing their taxes on time, every year, will ensure they don’t miss out on any benefit and credit payments.
Though it’s a big change to watch your child grow into an adult, teaching them life skills will help ease the transition.
And, the more independent they are, the more freedom you’ll regain.
We all know that the days are long, but the years are short. Your teen can get started at canada.ca/learn-about-taxes. ● – News Canada
Church Hill Apartments
Want to be surrounded by the beauty and excitement of downtown Halifax? With a Walk Score of 98, Church Hill Apartments is a walker’s paradise. The Historic Halifax Waterfront, shopping, entertainment, restaurants and so much more is at your doorstep! We offer spacious and bright bachelor and one bedroom units. Call us today to book a tour of your new home at Church Hill Apartments.
BUILDING DETAILS
by Renata Valz
Laundry cheat sheet
Laundry isn’t just a rite of passage; it’s an essential life skill that will come in handy for the rest of your life. Before you go tossing all your clothing into the washer/dryer, stop and read the label. Unsure what all those symbols mean? This cheat sheet is guaranteed to help you make sense of it all and, hopefully, have you classroom ready in no time.
FOUR TIPS ABOUT DOING LAUNDRY:
• Laundry should be separated into whites, darks and delicates before being washed.
• Always check and empty your pockets.
• Use cold water to remove stains.
• Add 1/2 cup of baking soda to your wash to help keep clothing bright.
