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| Diff Summary | |||||
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| Title | A quick financial ic | I'm in the process o | |||
| Date | 2015-02-19 14:44:52 | 2015-02-20 02:43:55 | |||
| Editor | Anonymous | Anonymous | |||
| Edit | Edit this version | Edit this version | |||
| Tags | |||||
| 2015-02-19 14:44:52 by Anonymous / Edit this version | 2015-02-20 02:43:55 by Anonymous / Edit this version | ||||
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| t | 1 | A quick financial icotneijn is what you need for C | t | 1 | I'm in the process of<a href="http://clxrsacuvt.co |
| > | hristmas.Those people who do end up taking a year | > | m"> itimgraming</a> to Canada and perhaps you will | ||
| > | to pay off a short-termloan, misjudged their budge | > | run into the same sorts of things I am. Keep you | ||
| > | t when applying for an online payday loan.You can | > | r US bank account open because its so much easier | ||
| > | decide the amount that you need for a loan. | > | to pay US bills with US banks. Also, it was sligh | ||
| > | tly difficult to get a Canadian bank account here | ||||
| > | without being a permanent resident yet. Its a pai | ||||
| > | n to have to wire transfer or mail deposits to the | ||||
| > | US account, but really easier for the bills. You | ||||
| > | can still use the ATM card overseas, but you get | ||||
| > | hit with ATM fees and international service fees w | ||||
| > | hich are 10% of each purchase, at least with Wacho | ||||
| > | via.Make sure all of your bills are on email notif | ||||
| > | ication and automatic billpay due to mail delays a | ||||
| > | nd the fact the US postal service does not offer i | ||||
| > | nternational mail forwarding. You have to sign up | ||||
| > | with a private service which offers that, or have | ||||
| > | your mail sent to a relative willing to mail it al | ||||
| > | l to you monthly.Also of note, even though Canada | ||||
| > | uses the same credit reporting agencies that the U | ||||
| > | S does, such as Equifax and TransUnion, they don't | ||||
| > | have access to the US side of things so your cred | ||||
| > | it is no good. I wasn't even allowed to co-sign a | ||||
| > | loan with my husband for our new car. Once my im | ||||
| > | migration is complete, I'll get a credit card and | ||||
| > | start rebuilding my credit all over again.On the s | ||||
| > | ubject of cars, I dont know about the UK but in pa | ||||
| > | rts of Canada they have mandatory provincial insur | ||||
| > | ance like here in BC. They slap you with a base r | ||||
| > | ate of $317 a month for car insurance. If you can | ||||
| > | prove you have at least 8 years of claim free cove | ||||
| > | rage from your US company, they'll give you a 40% | ||||
| > | discount, so I was able to get mine down to $190, | ||||
| > | but do request that "Letter of Experience" and don | ||||
| > | t do anything stupid with tickets or accidents or | ||||
| > | you'll pay through the nose.I think that's about a | ||||
| > | ll the financial issues I can come up with from my | ||||
| > | own experiences. Last bit of advice is to request | ||||
| > | notarized copies of every piece of identification | ||||
| > | you have, and immigration status papers, then pho | ||||
| > | tocopy it and carry it with you everywhere. | ||||
