Save Money By Importing Your Car, Auto Or S.U.V. Into Canada

You may think that it is really a difficult process to import a car into Canada from the US. It is not that difficult if you follow the clearly outlined rules – step by step. In the end it is a way for Canadians to save big money on the major purchase of purchasing a new vehicle – be it car, truck, van or SUV. First and foremost – do your research on the car. This should be very standard stuff to you. There are a myriad of resources – newspapers, the library, auto dealers, books such as the classic Canadian car purchasers book – “Lemonaid “by the author Phil Edmonston. You can speak to other car purchasers – word of mouth is often the bet form or research. O course you can always do standard research on the internet or even pay a service online or even a person to do the work. Next – go the official government of Canada “Registrar of Imported Motor Vehicles “- whether it by phone or the internet. Research the car on the Riv.ca site (Registrar of Foreign Motor Vehicles) or phone. By checking and verifying online Transport Canada’s list of vehicles admissible from the United States you can check to see if the car is simply importable, that there are no restrictions on your vehicle of choice. If the car is easily importable you may find that are minimal modifications may be needed to certify the car for import into Canada. If major modifications are needed to import your vehicle or if the car is listed in the “inadmissible:” column of the column labeled “ notes” indicates restrictions or modifications needed to import your chosen brand, model or year of vehicle take careful heed and note of these modifications, restrictions or concerns before proceeding in your quest. In order to export the vehicle to Canada (from the U.S. to Canada), fax the required U.S. Customs export documents to the U.S. Customs border office. Next in line at Canada Customs (correctly the Canadian Border Service Agency) you will about $ 300 in Riv fees and provide the proper paperwork and documentation to the Canadian Border Service Agency, Pay the now 5 % GST (General Sales Tax) on the U.S. converted purchase price of the vehicle again to Canada Customs and you are finished the first major hurdle of importing your bargain priced car from the United States into Canada You will also be asked to provide a “Recall Clearance Letter” which will certify that the vehicle has no outstanding vehicle Recalls and that all the manufactures recall upgrades have been done. This document can be simply provided on request by either the car dealer or vehicle manufacturer and must be on official company or dealer letterhead. If you are going to drive your new car or other vehicle home you will need some form of vehicle registration and insurance. One other option is to have the freighted home by a common carrier. Many auto carriers are available who will take pick up your car at the dealer’s lot and transport it to you in Canada or to a point at the American border. Depending on the rules of the state where the vehicle is purchased sales tax may not be charged if the car leaves the dealer’s lot on the truck as opposed to being driven away. In addition the car most likely will be insured during transport by the carrier. In these cases the cost of the sales tax payment saved may well be in excess of any shipping costs. In addition it saves you the time, expense and gas of traveling to pick up the vehicle as well as driving it home. If the vehicle is to be transported to the Canadian border for you’re to clear customs you must ensure that you have the car registered and insured. Often this can be done by your current insurance plan – perhaps an extension of your current insurance or a temporary permit obtained. Either way the car must be registered or insured one way or another if you are to drive the car from the Canadian border port of entry. If driven (and not hauled by truck vehicle transport), your car will need to be “plated” and insured. The dealer, who sold you your car, or the local highway department / sheriff, can assist you in obtaining these documents. As for insurance this can often be provided back home, as an extension of your current auto insurance plan or as a new purchase of car insurance. If you are traveling away from home, the purchase can usually be done over the phone, with documents faxed. You have now passed the first major hurdle of the steps of importing your new vehicle into Canada. Your vehicle will now have to be certified within Canada. Riv (The Registrar of Imported Motor Vehicles) will send you its “Vehicle Inspection Form” within two weeks. You will have 45 days from the time of submission of your documentation to the Canadian Border Service Agencies to complete the necessary modifications. There are a number of straightforward steps in the process are taking your new vehicle for individual certification and inspection. The Registrar of Imported Vehicles of Canada (Riv.ca) (www.riv.ca) has contracted with the well known and available the national auto parts and service center chain Canadian Tire to perform the federal Riv inspection. This fee is included as part of the Riv fee – so that you do not have to pay this fee yet again. The Canadian Tire Service Centers can also perform certain modification work as well, (at your cost), as well as perform many, if not most, of required standard provincial vehicle inspections. Once passed, you will next present the vehicle for the routine Canadian provincial or territorial licensing authority for its inspection and approval. It cannot be stressed enough that although you should be saving money in the process of importing your new vehicle into Canada that the onus is on you to be both current and thorough in your research and documentation. Follow all steps. Do not take shortcuts or foolish chances. The rules can and may change from time to time. The onus is you to check with the relevant authorities – be it the Riv Canada site, the manufacturer of the car, truck or S.U.V., your Provincial highway and traffic authority and your auto insurance company among other authorities and department. The onus is you to check. If not sure phone or email to verify. Remember written documentation is always best. By following the above steps your new car purchase should be an enjoyable and trouble free experience as well as a most economical and thrifty purchase.

How to Transfer Money to Canada

Every year, almost 40% of Canadian residents send money to other countries all over the globe. A sizable portion of this money goes to family members in Haiti and the Philippines. But did you know that there are also plenty of people who reside in other countries who transfer money to Canada, as well? It’s not something you hear about much. To be honest, a great many people assume that since Canada is a fairly wealthy, developed nation, its residents have little need of remittance. Did you know that you can send money to Canada without the recipient having a bank account, and without paying the high fees associated with wire services and other “kiosk”-based money services? Sending money via offline wire services can cost close to ten percent of the money sent if you want to transfer money to Canada that same day–and it won’t cost much less if you opt to have it arrive the next day. This is more important than it used to be, with the exchange rate being what it is. Certainly many Canadians are proud that their dollar’s value now runs neck-and-neck (and they no longer have to bear snide, “Canada, where everything’s 30% off!” jokes from U.S. tourists). But this also means that if a friend or relative chooses to transfer money to Canada, it’s just not going to be worth as much as it used to. This heightens the impact of the high percentage fees charged by non-bank wire services. Money orders cost less and are preferred by many people when time is not so much of an issue. However, there is always the question of whether the money will make it safely there. Postal and parcel services are certainly more reliable in North America than in most places around the globe, but the urban legend of the letter than never reaches its destination, exists for a reason. There are also ways to send the money online as well. And if you want to transfer a large amount of money to Canada to someone who rarely receives large amounts via online transfer, the company may temporarily freeze the account to check for fraud. Wire transfers from banks that offer them usually cost $35-$45. Although some may balk at the fee, this can be cheaper than wire transfer services if the amount is several hundred (or more). Pre-loaded debit cards that can be charged via phone or internet connection are becoming more popular. There is at least one service that will deliver the card via the ever-dependable FedEx service. The recipient need only visit one of Canada’s many ATMs to withdraw their cash. There are many different ways to transfer money to Canada, and not every one of them will meet the needs of every situation. With knowledge of the benefits and disadvantages of each method, you can pick the solution that most closely fits your needs. You can also experiment with the different methods until you find one that meets your needs.

Lifestyle Store Lifestyle Events Lifestyle Topics All Topics Submit an Article How Tourists in Canada Should Behave

Every year, millions of foreigners flock to Canada as tourists and long-term, temporary residents. In 2011, Toronto alone welcomed 10 million visitors. This is unsurprising since there are plenty of cultural, historical, and tourist attractions to be seen in the country. Most foreign tourists arrive in Canada on a Tourist Visa, which permits stays of up to a maximum of six months. However, since 2011, parents and grandparents have been able to visit Canada on a Super Visa which allows for much longer stays than normal visas. Given the requirements involved in qualifying for a this type of travel visa – the most difficult being the Super Visa insurance – parents and grandparents may as well take advantage of their longer stay to see more of Canada.

As is the case when visiting any country, foreigners will always fare better if they behave in a respectful manner at all times. That being said, there are certain do’s and don’t to follow when visiting Canada.

Be Curious, Not Rude

It is only natural that you will find some things odd that are considered normal in Canada. Public gathering places, expressions, food, habits and customs will be different from yours. However, that does not give you the right to complain or make derogatory comments about the things that are different from what you are used to. For instance, Canadian bills are known for being very colorful. Yes, Canada’s currency may look like play money to some, but you should still refrain from making comments about it. It is still the national currency and you will of course need to use it while you’re here. Besides, Canada’s currency reflects important events, people and symbols of the country’s history. Making fun of all these would be extremely rude.

It is fine to express fascination and curiosity about something you find strange and new. Canadians will not take offense to honest questions. In fact, many may even be willing to show or tell you more about their culture.

Be Willing to Explore the Outdoors

Canadians are very proud of their country’s natural scenery. Despite being a wealthy, developed country with plenty of urban cities, Canada has managed to maintain the beauty, cleanliness, and natural state of places untouched by pollution and urbanization. As a tourist, you should explore these places and see them for yourself. Go for a hike or a road trip. It will also will give you the opportunity to bond with the locals and learn more about their ways of living. Plus, just think how beautiful your photos and videos can be when you visit these places.

Explore Other Cities and Towns

Don’t just limit yourself to touring around the major cities. While the central business district in Toronto may be impressive, the beaches in Ontario, British Colombia, Quebec and Prince Edward Island are also worth a visit. If you’re not a fan of the beach, you may want to visit the museums in Ottawa to soak up some Canadian Culture. You can also tour wineries in the Okanagan valley, spend the night in Churchill, Manitoba and enjoy aurora borealis from November to March, or trek through national parks in the Rockies. If you’re planning to do some serious trekking, make sure you learn about the local terrain and wildlife beforehand so that you’re well prepared.

Hassle Free Immigration Services to Canada

Canada is a land of immense natural beauty that also holds unlimited opportunities for landed immigrants through best socio economic welfare programs. The country also holds prominent position on tourism map of the world due to its unbelievable geographical variety and an array of National Parks.
Canada has been the most popular country in India for permanent immigration. Stable socio-economic structure and ample employment opportunities are also some of the reasons for the same. The major reason why the country is so admired for immigration is their governing laws, which are not very stringent.
Canada immigration and citizenship Department has developed very systematic immigration criteria to recruit economic class immigrants like skilled workers, and business class immigrants in to Canada. As Canada recognizes dual-citizenship one may be able to retain the citizenship of his homeland.
The immigration policy of the country is divided into two parts which are Temporary entry and Permanent immigration. Under the temporary entry category individuals can make applications for visitor’s visa, student’s visa and work permit visa. Under any of these categories one can apply for extension of visa while in Canada.
There are other categories of visa which may lead to permanent immigration visa .These categories include Conventional refugee, live in caregiver, immigrant visa of Canada as a spouse. Under the category of permanent immigration on e can apply under the independent class, Entrepreneur/Investor and Family class. The country was declared as the best country to reside by the UN, for eight subsequent years from 1992-1999.
In order to apply for immigration to Canada, the applicant is required to make the application using the prescribed immigration application forms. The preparation of Immigration application is most critical as this application is reviewed by Canada immigration authorities, who determine whether one is eligible to get Canada Permanent Resident Visa.
Most of the immigration consulting firms provide useful guidance regarding the entire visa application process. These firms assess the chances of the visa applicant of being accepted as a Canada permanent resident by asking them to fill an online free assessment form. If the results are positive, the applicants are asked to proceed further with the application procedure.
These consultancies help to prepare the file containing the documents and an introductory letter regarding the eligibility for immigration and initiate the suitable procedures. After studying the application, the government authorities send summon regarding the interview with an immigration officer.
Canada immigration authorities send a list of local accredited doctors list from whom the applicant take their medical examinations to attest their good health. The applicant’s criminal record is also verified by Canadian authorities. If no disqualifying elements are found during medical and security investigations, Canadian authorities issue a permanent resident visa which also includes dependents.
Immigration consulting firms hold interactive sessions between the applicants and legal professionals and guide them regarding Immigration, Visa types, careers and employment opportunities, passport guidance and post landing services. aims at providing convenient immigration facilities and visa related guidance at reasonable rates.

Tax Relief and the Canada Revenue Agency Tax Payer Relief Program – Who Qualifies?

When an individual or business falls behind filing tax returns, it is imperative that they become tax compliant. Filing tax returns and being up to date is very important. It is important because as long as tax returns remain in arrears the taxpayer will not only face massive interest and penalties, but could also face prosecution.

Usually financial problems are the primary reason cited for people falling behind in filing their tax returns. They don’t file because they know that once their tax returns are filed they will face the daunting task of paying their tax debt, in its entirety, to the Canada Revenue Agency.

The Canada Revenue Agency Tax Payer Relief program offers individuals and businesses the ability to request relief of interest and/or penalties. This is not tax relief; the Canada Revenue Agency will not reduce the actual tax debt and under this Tax Payer Relief Program, only interest and/or penalties can be forgiven.

Applicants who want to apply for taxpayer relief under the Canada Revenue Agency Tax Payer Relief Program will have to satisfy the Canada Revenue Agency (C.R.A.) that any one of four circumstances prevented them from filing their tax returns or from paying their tax debt. These circumstances include:

1. Significant financial hardship.
2. A serious medical problem.
3. A natural disaster.
4. An error on the part of the Canada Revenue Agency.

Very few applications for taxpayer relief are approved. Before one considers whether the cost of hiring a representative to make an application for interest and penalty relief under the Canada Revenue Agency Tax Payer Relief Program is worth his while, he should first consider if he even has the ability to pay his principal tax debt in full.

Once a tax debt is owed to the Canada Revenue Agency, they will demand to be paid in full. They will also proceed to collect their money. Collection action could include wage garnishments, property liens, freezing bank accounts and more. Business owners could face having their customers notified of their tax problem and have a set off placed on their receivables.

Directly attempting to negotiate with the Canada Revenue Agency is similar to playing Russian roulette. In most cases they will not make a voluntary payment plan with you unless you offer complete financial disclosure. Once they learn where you bank and what assets you have, you are in a very vulnerable position. Most voluntary payment plans that individuals self-negotiate are short term, so once the term is up and the taxpayer tries to negotiate another payment plan, they will refuse. This is simply due to the fact that they now have full financial disclosure, at which point they will proceed with further enforcement action ensuring that they collect all of their money.

The good news is that Federal Government programs do exist. Programs that do offer taxpayer tax relief will not only eliminate interest and penalties but will also reduce the size of a taxpayer’s tax debt significantly. To see if you qualify for tax relief, you must deal with an agency that can provide you with access to these programs.

Payday Loans Canada : Timely Monetary Help

Payday loans Canada is a short term financial assistance granted to a borrower to help him tide over certain unforeseen financial expenses such as paying up for urgent medical expenses, paying rent arrears, paying up for children’s education etc. One of the plus points of ‘Payday loans Canada’ is that an applicant can get the money within 24 hrs with minimal documentation! All he has to do is just complete an online application form and after the application has been approved, the money gets credited in a borrower’s checking account. The form filling does not take more than 10 to 15 minutes and requests personal, employment and bank details.

In order to get a loan, a loan seeker has to fulfill certain eligibility criteria:

1. The loan seeker must be a citizen of Canada,

2. Should be above 18 years of age,

3. Should have a valid account in bank,

4. Should be legally employed and should be getting a regular monthly salary of not less than $1000.

A bad credit score of the prospective customer does not impede or hinder from getting a loan and neither is collateral required. However, the customer has to provide the lender with post dated cheque that covers both the loan charges and other fees applicable.

Before finalizing a lender, it is important to carry out a market survey and compare various charges being charged by different financial institutions so as to get the better deal. Servicing charges and interest rates may be at variance from one lender to the other. At times the lenders may be giving some special discount on the loan seeker whereas others may be charging extra charges for instance prepayment fees, membership fees etc.

The loan given is for a short period typically from one week to two weeks time. Online payday loans Canada generally range from $50 to $1500. Borrower can take the loan on any date of the month but the payment needs to be made on the subsequent payday.

Canada’s New Car Negotiating Tool

Canada’s New Car Negotiating Tool
Trusted by over 120,000 Canadians who have used the exclusive CarCostCanada Wholesale Invoice Price Report since 1999 to buy a new car at a low price, while saving time, money and aggravation.
Car Cost Canada Membership Features & Benefits

Wholesale Invoice Price Reports on 5 Models
• Dealer Invoice Prices (Wholesale prices)
• All Factory Cash Rebates & Discounts
• Factory Options with Invoice Cost Prices
• Special Factory Finance & Lease Rates
• Bonus reports for unlimited option combinations
Additional Benefits
• Double Guarantee of Accuracy & Savings
• Referrals to over 150 Low-Priced Dealers
• Email Alerts when Prices or Incentives Change
• Live Help with Car Buying Experts
• Members Helping Members Forum

Canada’s Most Powerful New Car Negotiating Tool!
CCC Reports truly simplifiy the new car negotiating process by putting you on a level playing field with the new car dealer.
Simply take the total “Wholesale Price” and deduct whichever “Factory Incentives” apply to you. This is the true cost of the car to the dealer.
Then add 3%-6% as a “Fair dealer markup/profit” to establish the price you will pay, plus applicable taxes of course.
Below is a sample report on a 2010 Mazda 5 GS.
To learn how to easily generate a CCC Report in less than 1 minute click here
Join CarCostCanada for ONLY $39.95! to get instant access to Wholesale Invoice Price Reports Today.
Depending on whether you were planning to pay cash, finance or lease the “Current Factory Incentive Programs” listed above can greatly affect the final price you will pay. Please read this section very carefully to ensure that you are taking full advantage of all incentives that may apply to you.
Some of these incentives may be advertised, but commonly the great majority are not. However, if you know about all factory incentives, the great majority of dealers will pass the full savings on to you and if they won’t, let us know and we’ll find you a dealer that will.
This vehicle has an average number of factory incentives. Some vehicles have more and some vehicles may not have any.
Over 200 Recommended Low-Priced Dealers
Although you are not obligated to buy from one of our recommended dealers, we do encourage you to allow them the opportunity to earn your business for the following reasons:
– Every dealer has been recommended by at least 5 other Members
– They have committed to always offer straight-forward no hassle pricing in-line with CCC guidelines of 3%-5% over dealer cost, with very few exceptions
– They will always pass along all available factory incentive programs
– They are continuously evaluated by our Members to ensure the highest possible level of customer satisfaction
– Our Members consistently rank our dealers higher than other dealers in their area
– Recommended dealers are listed on each report, where possible
Since it is virtually impossible to have a recommended dealer for every make in every area, if you do not have a recommended dealer on your report, you will be offered a free report courtesy of the recommended dealers that we do have in your area