Archive for May, 2011

Immigrant Small Business Loan Program

Immigrant Small Business Loan Program

Through a partnership with the Nova Scotia Co-operative Council and the Government of Nova Scotia, credit unions are offering a small business loan program   that aims to help immigrants who are interested in starting, expanding or buying a small business.

This pilot project, which is available exclusively through credit unions, is a joint initiative of the Nova Scotia Co-operative Council, Credit Union Central of Nova Scotia, local credit unions, the Department of Economic and Rural Development and the Office of Immigration.

The Immigrant Small Business Loan Program is an extension of the Small Business Financing Program, also administered by the Nova Scotia Co-operative Council through credit unions.

Program Brochure

The following are answers to frequently asked questions.

Where is this program available?
The program is available across Nova Scotia, through credit unions only.

How do I apply?
Visit a credit union in your area. To find the credit union nearest you, visit www.nscreditunions.ca

What will the credit union require?
The credit union requires a business plan that shows the viability of your business idea. You will also be asked to provide information regarding your net worth, credit history, confirmation of assets, and other documents that are normally required when applying for a business loan.

Does my past credit history count?
Credit history is an important piece of your identity. All financial institutions will check your credit history when you apply for credit of any kind. A credit history report however, is not the only criteria used by a credit union to make a lending decision. Those with credit history issues are still eligible to apply under the Small Business Financing for Immigrant Entrepreneurs program.

Will I need to give personal security or guarantees to the credit union?
Yes. The credit union will evaluate your loan request by following regular credit lending criteria. This will include an assessment of your personal net worth. If your application does not fit normal lending criteria, but the credit union feels your business has potential for success, the credit union can apply for a loan guarantee to offset their risk. The maximum amount of the loan guarantee will be 90 per cent of the value of the loan, up to a maximum of $150,000.

How much can an immigrant entrepreneur borrow?
Under this program, the maximum amount that can be borrowed is $150,000.

What kind of financing does this program cover?
The program can cover loans that are of a traditional debt nature, for working capital or lines of credit.

Are there any restrictions on the type of business eligible?
All types of business are eligible except residential and commercial real estate, beverage rooms and taverns. Also, any venture of a questionable ethical or legal nature, or businesses deemed to be not in the best interest of the Province, will be ineligible. Each application is evaluated on a case-by-case basis, based on the business plan and viability.

What are the terms of a loan?
The terms and conditions of the loan will be negotiated between you and the credit union. The maximum term under this program is seven years.

What is the interest rate?
The interest rate is negotiated between you and the credit union, but will not exceed 12 per cent.

Is there a fee to access this program?
You are required to pay a one per cent administration fee annually, based on the total value outstanding on the loan. This one per cent is a guarantee fee that is remitted by the credit union to the provincial Department of Finance.

Are personal loans eligible?
No. The program only applies to business ventures.

Are there any other requirements under this program?
Access to capital is only one element necessary for business success. Management skills and financial literacy, in addition to a solid business plan are also important. The credit union will assess the strength and validity of the business case being presented, as well as the management strengths and financial literacy of the proponent. If weaknesses are identified, for example, a lack of management expertise, the credit union may request that you have a business mentor as a condition of the loan, and/or request other training such as management, basic financial literacy etc, before a loan is disbursed.

Is there any support available if I need help with putting my business plan and application together?
The Nova Scotia Co-operative Council can assist you with accessing the technical assistance you require to strengthen your plan. You will be referred to other partner agencies who already provide these services.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


The Canadian job market & Employment opportunities in it.

Immigrants come to Canada with dreams of a better life. But their job prospects here are often so minimal, that dream sometimes becomes a nightmare.

In order to increase your changes for a better employment you do need to master the following steps:

First

Writing Your Resume – Your resume is the most effective way to sell yourself.

Job Hunting Tips: -Those who find jobs are successful because they know how to conduct an effective job search.

Preparing For Job Interviews – Perhaps the most important key to a successful interview is to be well prepared for it and to have some knowledge of what to expect.
Employment Programs – Check sections for information on Canadian Government Employment Programs.

Online Employment Resources –  Here you’ll find a list of links in the following categories: 2Careers, Labour Market Info, Resume Help, Starting Your Own Business, Volunteering and Job Search Resources.

There are tons of jobs out there that the Web knows nothing about!
The majority of Canada’s economic growth is concentrated in the four major cities: Toronto, Calgary, Vancouver and Montreal. Unemployment is higher in the Atlantic Provinces, such as Newfoundland and Labrador and Prince Edward Island. If you are seeking employment in Canada and you do not posses a work permit, you should be aware that it is more difficult to find a job this way. A prospective employer would need to obtain a work permit on your behalf. Many companies are reluctant to do this as it involves spending time and money with lawyers.

Qualifications and skills

If you are looking for a well-paid professional position, high bilingualism with paid for. I mean English and French language  skill ability is essential. In Quebec, companies will require excellent knowledge of the French language. Always English-French bilinguals are in demand; many companies have to do business with both English- and French-speaking Canada.
It is important that you find out what types of jobs are in demand now and in the future. This information will be extremely useful in your employment or 2career planning
There is also a significant underground job market in Canada. Many individuals working on construction sites and some other manual labour positions may not have a work permit. Although this is also an option, we do not recommend working without a work permit as this increases the risk of being deported and being forbidden to come back to Canada.

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


Cross Cultural Training for business immigrants

This training has two modules.

 1. Cross Cultural Training for business immigrants who come to start a business or work in Canada.
 2. Language Assesment
 
 
1.Cross Cultural Training for business immigrants who come to start a business or work in Canada.
 
As Canada integrates herself with immigrants in the global economy, attracts foreign capital and acquires companies abroad interaction with the global business community is on the rise. This module is useful for professionals doing business with Canada.

Topics vary from Canadian culture to strategies for interacting, communicating with colleagues, business partners and associates. Real life situations are used to make the interaction lively and useful. The module helps you discover Canada through a combination of slides and photographs.

The deeper purpose of this module is to provide insights so that an expatriate achieves greater success through his professional interaction. Some of the topics covered are:

 
1.  Canada’s culture and social customs. 
2. Verbal communication
3. How do I build bonds with colleagues?
4. Tips on what you need to be careful about? 
5. Business etiquettes. 
6. If the expatriate is a man, nature of interaction with female colleagues. 
7. Virtual tour of Canada 
8. Insights on topics that some people associate with Canada like caste etc. 
 
 
We seek to understand your requirements through a Needs Assessment Form  that is to be filled up by every person who is going to attend the workshop. Based on the feedback received we customize the training for you. 
 
Format:
 
1. One day workshop (includes lunch).
2. What is fundamental to  Canada?
3. Number of participitants – maximum 15-18. 
4. Could be from the same or different companies. 
5. We conduct one to one interactive sessions for CEO’s, Senior Management, Consulate employees and provide comprehensive Business Consulting advice and cross cultural training.
 
 
Who should attend: 
 
1. Business Entrepreneurs who are coming to work in Canada.
2. Expatriates who are doing business with Latin America. 
3. Non Resident immigrants returning to Canada after a number of years. 
4. Employees working for the Hospitality, Information Technology, BPO and Manufacturing sectors and Consulates / Trade Commissions. 
 
 
After the workshop: 
 
1. You are welcome to email us about how deal to with specific situations or any other questions. This would be provided at no cost to you. 
2. You will receive a Newsletter that shares insights, tells you about cultural events and provides links to pictures on Canada etc. 
 
 
Interactive:
 
1. If you have any questions on why Canadians  behave or think the way they do, importance of certain cultural symbols, how to deal with a specific situation at work or any other cross cultural matters email us your queries (go to Contact Us section) and be assured of a prompt reply. 
2. You can share your experiences of working and living in Canada through an article not an exceeding 1000 words. Links to the article would appear on our site. When you send us the article let us know whether we should post name and email id of author on the site. 
 
 
The module is designed and delivered by Mrs Diaz. In addition to his professional roles, Mrs Diaz makes time to run a site www.hinenimedia.memberlodge.org). This site, whose archive now counts over 400 essays and 1,600 pictures single-mindedly, focuses itself on demystifying Canada for Canadians and foreigners alike. corporate/consulting and Hineni backgrounds give her a unique understanding of Canada. 

Facilitation Program for business immigrant and entreprenuers

Facilitation Services
 

Hineni Cross cultural division has been facilitating numerous  Canada-Foreign business ventures since its inception .  Almost every global business venture that the firm has managed invariably included an extensive degree of communicative, cross-cultural and operational facilitation.

Also when business immigrants are ready to start their own franchise, they’ll be able to set their own course, and create their own wealth.   It’s no secret that several people have made millions by running their own franchise, and at Hineni, we have discovered why. When you work a normal job, doing what your boss says, getting the same yearly cost of living increase. No matter how hard you work, you seem to be stuck on a treadmill. But at Franchise Opportunities   abound in Canada as way not only to get established and prosper but to open employment jobs to  others. We believe facilitation programs for business immigrants and entrepreneurs are  a great  idea.

Hineni CC’s principals have more than fifteen years of combined experience in the art of managing day-to-day interactions between Canadians businesspersons and their foreign investors  counterparts. Experience has shown that dedicated facilitation and resolution of communicative and culture generated challenges can be critical to the success of global ventures. Consultative intervention by an experienced facilitator who is intimately familiar with the foreign business environment and its unique cultural mindset, can effectively avert impediments, reduce obstacles and improve overseas business outcomes.

 

Hineni CC’s Facilitation program is an “In-Process” version of our business consulting programs integrated with cross-cultural knowledge elements and personalized coaching services. Whereas consulting and coaching are typically more academic venues, our Facilitation program offers clients an opportunity to acquire real time coaching, insight, challenge analysis, and solution strategies for issues that arise while they are actively engaged in business processes either in Abroad or in Canada. Clients can leverage Hineni’s extensive experience and familiarity with business practices and cultures in both countries to either resolve complications, decode behavior and positions, or simply solicit advice on implementing the most constructive strategies for achieving business harmony and results. 

 

Facilitation services can be provided in person and on-site or can be delivered via phone or email and can include:

  •  Coaching, analysis and support services during negotiations.
  • Advice and support with language and communicative processes. 
  • Support in understanding and deciphering foreign business conduct. 
  • Tuning real time strategy adjustments occurring during the business process. 
  • Suggesting real time, case specific methodologies for motivating business partners. 
  • Support in developing team-building initiatives. 
  • Assistance with conflict evasion issues.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


Canadian Territories (3)

A  job in  Canada may require you to get a work visa. But how do you know if you need to get a visa before looking for jobs in  Canada?

Canada does not apply any restrictions on the access to its labor market by citizens of other USA or . If you’re from the European Union or an EEA country, you will  need a work permit in Canada and if want to live permanently then you  should officially register your plans to relocate to Canada  for further assistance with an immigration attorney.

All others should check with their local  Canadian embassies for work visa requirements first.

Jobs in  the Canadian Northwest Territories aren’t very hard to come by if you’re a good, helpful worker. If you’re already in Canada, take a look at local newspapers or simply ask around. Another – easier – option to find jobs in the territories is to look at local job websites. The following are very popular English sites with Canadian job listings:

•3-12 Month Hands-On Jobs   in  Canada
•  CanadianJobs.com
•  Job Search for Nunavut 

 

If you already speak English or French, your selection of jobs in Canada North increases tenfold. Take a look at below source informative job sites:

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


Jobs in the Canada: Northwest Territories(2)

Jobs in Canada: Northwest Territories

Jobs in Canadian Northwest Territories offer a wide variety of benefits, steady employment, and high pay. Finding a job in Canada North  isn’t as hard; there is a low rate of immigration and a variety of jobs are available especially for trained, skilled professionals and IT workers.

As a non-residents, you can receive a Northwest Territories work permit  with an existing job offer from a Canadian employer, or apply for the “Specialist Worker” status  or so for job skills in short demand.  The Canadian Embassies can help with that.

If you aren’t already located in  Canada during your job search and you can’t get a hold of local newspapers, there’s an easier way. Simply get started with your search for jobs in Canada with these sites that are the most popular among Canadian employers:

If you can’t find anything suitable, have you thought about extending your search to surronding Northwest Territories?, like Yukon and  Nunavut? We have practical tips for finding jobs in  at the rest of the country as well.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


Working in Canada – Advice & Tips

General Advice Sample CV 

Cross cultural specialist Mari tells you below what it takes to get a job in the country well-known for its ‘Multicultural flavor’. However, you need to truly love  Canadian and  Canada  to find a job as foreign job seeker, because jobs are not abundantly present and salaries are not too high in this economy.

Job hunting in Canada

One of the best ways of finding work  in Canada you’ll soon discover is through networking. For an outsider, developing such contacts may be difficult at first.  Try to volunteer. Volunteering can be the antidote to diminished self-esteem, and  it also gets you well connected. You develop a network with other volunteers and agencies so there are shared core values.

However, perseverance after that is often rewarded, as the initiative demonstrated is in itself a recommendation. Speculative applications are likewise often successful.  When you apply for a job make use of a very formal style for your letter and include impressive references with your speculative application. In particular, when accompanied by a good recommendation (“Mentor”) from someone familiar to the company, such as a comunity or social worker,  university professor, a friend, a member of the family, or a company executive, your speculative application stands a greater chance.  An introduction of a well-known person is extremely effective, know that because in Canada the emphasis is more on ‘who’ you know, than on ‘what’ you know (although as a foreign job seeker the right qualifications are essential, even if you have some distant Canadians relatives …).

Furthermore, be aware of the large economical differences between the West  and the East coast of  Canada.

The Cover Letter
In general a  cover letter  should create enough interest to make the potential employer want to look at your application in more detail and hopefully invite you for an interview. Your cover letter, however, should not provide too much information about experience and qualifications; this will be provided in your Resume.

The style of the covering letter must be  conventional and formal, almost with stately English or French language. Explain briefly what can you do for the company and why you are interested in the job and the company. But leave the full explanation about your  deep motivation until the interview when it can be given orally. In  Canada, the information will be better  presented in verbal form. It’s also a test of your language or  communications skills.  Likewise, copies of  certificates, diplomas and references should not be bring or sent together with your cover letter and  resume (CV), but should be brought to the first interview. Of course, if you have really impressive testimonials do send them with your letter.

The covering letter must be typed –  Never an employer  will requests a hand-written letter. The letter should be kept short (1/2 to maximum one page). Application forms are hardly used, except by some (foreign) multi-national firms.

The recruitment process tends to be tedious (long or boring), up to two months. You should check carefully what kind of time delay to expect for a response.

The Resume, Portafolio o Curriculum Vitae (CV)
There are no strict rules for resumes  in Canada. But a resume is best received when it is brief,  two pages long ¬ AND NOT MORE. although online portafolios of four or five pages are not uncommon either ¬ and in chronological order Do not include in your personal details such as your date and place of birth, your nationality,  or your civil status. Do make sure that  your telephone number (including international access code) are. Hobbies are mentioned in your resume  A photo is not requested.

The Application Procedure
The recruitment procedure usually consists of two to three interviews and some psychometric, skills tests. Be prepared for questions about your motivation. As far as qualities are concerned Canadiann employers look for enthusiasm, communication and relationship skills. A fairly informal atmosphere is general, with each recruiting officer following his/her own, usually intuitive style. Only if the personality of the candidate is deemed apt, the recruiter will continue to look at his/her professional experience. Hence the importance to establish good personal rapport during the interview for the interviewee.

Pay a lot of attention to your appearance for the interviews; image says a lot . The way you are dressed is of significant importance for a Canadian employer, it shows your true interest for the job! Salaries are rarely discussed at the first interview, and please do not ask for this!

On-line applications are very  common. In fact, a lot of job agencies, but also employers who publish their vacancies on-line provide the opportunity to complete the job application form on-line.

If we got you started on Canada – think about ordering the guide ”Looking for work in Canada”.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


How to Find Jobs in the Canadian Northwest Territories

Canada  is a huge country: it has  10 provinces and 3 territories.

The three territories of Canada are:

• Nunavut • Yukon • Northwest Territories

Nunavut:

Nunavut, meaning “our land”, is the youngest of the three territories. It was created on April 1, 1999 as a result of the Nunavut Land Claims Agreement.  Nunavut is the largest of the three territories of Canada occupying about one fifth part of land mass of Canada. The two large islands in Canada are Ellesmere Island and Baffin Island. Iqaluit is the capital of Nunavut. The aboriginals called the Inuit consist of the major percentage of this territory’s population. Winters are usually very long and cold in Nunavut. The chief industries in this area are mining, fishing, tourism, packaging of raw meat and fish.

As a significant Inuit homeland, Nunavut prides itself on its deep Inuit roots, cultural traditions and spirit of diversity. Nunavut has a population of approximately 29,400, 85% of which are Inuit, and it spans two million square kilometers extending north and west of Hudson’s Bay and above the tree line to the North Pole. With the highest cost of living in Canada and low rates of high school graduation, Nunavut faces considerable development challenges.

 Yukon: This is the smallest territory in Canada. It is situated in the northwestern corner of the country. Earliest settlement in this area happened with aboriginals migrating from Asia who fished, hunted, and trapped for a living. The economy mainly rests on mining, tourism.

You can read a bit more about Northwest Territories  here

If you’re trying to find a job in The Northwest Territories (NWT; French, les Territoires du Nord-Ouest) , you’ve come to the right place, no matter what type of job in The Northwest Territories  you need. Let’s find open jobs in The Northwest Territories  , sorted by area below.

Keep in mind that when you look for a job abroad,  work visa law can be complex. One of your first steps when looking for a job abroad should be to contact one of  Canadian  embassies near you to find out more about your work visa options. Most foreigners visiting The Northwest Territories  for more than 6 months  would need a residence permit. Others may need a residence and work permit.

Job Searches Across The Northwest Territories 
•   http://www.nnsl.com/jobs/jobs.html  is an Canadian website listing jobs in The Northwest Territories  .
www.monster.ca  Job Portal lets job seekers look for jobs all over The Canadian Northwest  .
• http://www.allnunavutjobs.com/ offers internships, student and summer jobs in The Northwest Territories .

These three websites have job listings from all The Northwest Territories  . If you have a particular area in mind, scroll down to search for jobs by province too.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.


Canadian Seasonal Job Market (I)

If you’re looking for short-term work, you might want to explore the many seasonal jobs available to people in Canada. Though most may think of the seasonal job as a retail position during the winter holidays, there are actually many types of work that occur in different seasons and require a higher number of employees than usual. In canada most of  the seasonal job is tourism or agricultural based.

For instance, it’s pretty easy to find summer jobs at places like theme parks, on resorts,  hotels and restaurants with heavy summer tourist traffic in Vancouver or Montreal. Employing a higher number of people year round wouldn’t make sense, but having extra employees during peak season can help with the extra work required.

Canada offers visas to prospective citizens as well as temporary workers. Depending on your current status, Canada has a visa that applies to you. Skilled workers, temporary employees, live in caregivers, agricultural laborers and college graduates each have to apply for distinct visas. However, the application process is simplified by the Canadian government in an attempt to attract foreign workers. Processing visas is often completed within three days and ranges from $75 to $150 for the individual.  Other opportunities that do not require visas can be arranged through work exchange program, but still involve authorization through Canadian agencies. These reciprocal programs help place foreign exchange students and teachers as well as workers filling co-op positions.

The Canadian government makes a point to advertise work opportunities to prospective foreign employees. This makes job hunting easier for you!

There are a number of employers that position seasonal employees in jobs that match their interests and skills. On top of this, Canadian embassies, individual resorts and national parks all have listings on their respective websites. It’s time for you to visit Canada, find an exciting job and explore the natural beauty.

 

 

Marisol Diaz  is  an experienced workshop presenter, specialized information publisher, and  a SOHO specialist. She also  has been writing on Canada settlement and  immigration law since 2006. contact her @ hinenisyndicator@gmail.com. You can improve your Canada job search through the   Canadian database  for Int’l  Professional or Hineni CED ,  a Paid Content   or Informational Services site run by Hineni Media.

Access more than 400,000+ Canadian province-specific company profiles in industries such as manufacturing, transportation, consumer goods, consulting services, finance and technology.  Available only to premium subscribers.