“As each one has received a gift, minister it to one another, as good stewards of the manifold grace of God.” (1 Peter 4:10)

“My little children, let us not love in word or in tongue, but in deed and in truth.” (1 John 3:18)

This is just a short list for the most common links that you will need to explore as a newcomer. Click the link by the end of each paragraph and it will direct you to the main website. There are other links inside the paragraph, which will take you to a certain item.

Remember the more you learn and search the fastest you get adapted and settled with in your new life, don’t wait for others to do things for you, Do It Yourself.

About Toronto Toronto, Ontario, Canada lies on the shore of Lake Ontario, the easternmost of the Great Lakes. Toronto is ideally located for operations with a world-wide focus. The city is located in the Eastern Time Zone. The multi-cultural nature of the city (over 100 ethnic groups) provides international companies a large pool of the language skills necessary to operate in international markets. www.toronto.comwww.city.toronto.on.caClick here to view Toronto Maps

Social Insurance Number (SIN) The Social Insurance Number (SIN) is a nine-digit number used in the administration of various Canadian government programs. You will require a SIN to work in Canada or to receive government benefits.

Canada Revenue Agency/Child Tax Benefit The Canada Child Tax Benefit is a tax-free monthly payment made to eligible families to help them with the cost of raising children under age 18. To prepare your income tax return you can print out the forms from the link. You can also submit your tax return electronically using NETFILE / EFILE. There is lots of Tax software available online; it is easy, secure, fast and not expensive. Check these websites www.quicktax.ca , www.hrblock.com.

Ontario Health System (OHIP) A resident of Ontario must have a health card to show that he or she is entitled to health care services paid for by OHIP. www.health.gov.on.ca

Driving Licence If you live in Ontario, you must be at least 16 years old and have a valid Ontario driver”s licence to drive in the province. A newcomer to Ontario is required to apply for an Ontario driver”s licence within 60 days of taking up residence in the province. How to apply for a driving licence. www.mto.gov.on.ca/english/dandv/driver/index.html Driver”s Handbook On-Line

Schools You can search for schools in your area by street name. This search will tell you the nearest schools in your area and the required papers to admit your child. · Public www.mto.gov.on.ca · Catholic www.tcdsb.org · Private www.edu.gov.on.ca/eng/general/elemsec/privsch/

Rent an Apartment This website has lots of data about unfurnished and furnished apartments in Toronto, as well as classified listings. Furnished apartments are a good choice when you first land and have no body to wait for you or a place to stay; many of them have websites and emails and it easy to get in contact with them. www.rentcanada.com/toronto/

Toronto FUN – Parks and Recreation Toronto FUN is the City of Toronto’s Parks and Recreation programs for people of all ages. Toronto FUN has something for everyone. Toronto FUN programs are listed in the Toronto FUN Guides, published twice a year. The guides are produced according to district: North, South, East and West. In the Toronto FUN Guide you’re certain to find a program for you and your family. There’s also information about the City of Toronto’s museums and arts centres as well as details on how to register and pay for programs. www.city.toronto.on.ca/parks/torontofun Get your Library Card, Toronto Public Library This is a very useful site which has lots of information and you can locate any book on line, it also has an e-book, volunteer opportunities, courses and much more. www.tpl.toronto.on.ca

Career Center:Labour Market InformationHuman Resources and Skills Development Canada – There are hundreds of website to search for jobs. You search also in the career section for any company. These sites to search for jobs get tips on how to prepare your resume and be prepared for interviews.

Government Jobs www.gojobs.gov.on.ca
Human Resources Canada (Job Bank) www.jobbank.gc.ca
Workopolis www.workopolis.com
Monster www.monster.ca
Charity Village, for volunteering jobs and jobs in the non-for-profit sector www.charityvillage.com


· Professional Engineers of Ontario, P. Eng. for Engineers. www.peo.on.ca

· Want to become a Real Estate Agent! www.orea.com Universities and Colleges

University of Toronto www.utoronto.ca
Ryerson University www.ryerson.ca
York University www.yorku.ca
Seneca College www.senecac.on.ca
Humber College www.humber.ca


Real Estate Searching for houses! This website has listings of all properties available in market. www.mls.ca, However, it is highly recommended to appoint a professional real estate agent. Mortgages! A step-by-step outline of the home buying process, information about financing and mortgages, and useful tools and publications. www.cmhc-schl.gc.ca


Financial Matters

Start Your Credit History Do you know that it is important to start a Canadian credit history so that you can start to get credit cards, buy/lease a car, rent an apartment, buy a house and perform many financial procedures. Scotia Bank initiated a program called “Welcome To Canada” it is based on issuing you a credit card and keep an amount of money on hold as an insurance for a year. This amount will be released as soon as you establish a good credit history. A good credit history means that you pay all your financial obligations on time, that includes bills, invoices, credit card payments….etc, it important to keep a clean record as it helps when ever you decide to buy a car or a house or even when issuing new credit cards. RBC Royal Bank, CIBC, BMO Bank of Montreal, TD Canada Trust, Scotia Bank.


RRSP – Registered Retirement Savings Plan RRSPs are one method by which the federal government can encourage people to take responsibility for their financial future. The government has established limits as to how much an individual can contribute to an RRSP on an annual basis. The yearly maximum allowable contribution limit is currently 18% of the prior year’s earned income up to a maximum of $13,500. Once you’ve determined the amount of money you can afford to put into your plan, the next decision must be where to invest. Fortunately, there is a plethora of options. Among them Canadian equities, international equities up to an allowable limit, mutual funds, Treasury Bills, bonds, stripped coupons, GICs and the list goes on. www.rrsp.org/rrsps.htm, www.cra-arc.gc.ca/tx/rgstrd/rpp-rpa-eng.html


RESP – Registered Education Savings Plan An education savings plan (ESP) is a savings vehicle generally used by parents to save for their children’s post-secondary education. www.cra-arc.gc.ca/tx/ndvdls/tpcs/resp-reee/ News Papers and News

· Toronto Star www.thestar.com

· The Globe & Mail www.theglobeandmail.com

· CBC News www.cbc.ca

Welcome Again To Toronto

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