What You Should Know About Business Insurance in Canada
If you have a Business or plan to start one, Business Insurance is one of the things that you should consider during the planning stage. Of course it is not necessary to have this insurance, but it will help in various situations like accidents or theft. Anything can happen and it is always better to be protected. There are two main types of Business Insurance:
Dream Career Opportunities In Canada
Canada is regarded as one of the best destinations in the world to live and settle down. People from all over the world dream of setting up their business in Canada because of the excellent career opportunities, living standards and the social benefits associated with the country. It is the right place for you and your family to set up base. Everyone wants to immigrate to Canada for better opportunities and prosperity for their families. JT Immigration is a professionally certified licensed member of the Canadian Society of Immigration Consultants and they have been handling immigration applications and refugee claims for a long time. They have the expertise and experience to undertake the best legal avenues when following the immigration route or handling refugee claims. Their accomplishments over the recent years and high success rate are unparalleled in the industry of immigration legal services. Joel E Tencer is a professional immigration lawyer and immigration consultant who has been assisting men, women, children and business people to immigrate to Canada to make a better future. For over 5 years, refugees have chosen JT Immigration to seek protection in Canada. Their legal immigration services include immigration appeals, refugee claim to remain in Canada as a protected person, skilled worker application, student visa, visiting visa, Canadian citizenship, family class sponsorship, live-in caregiver application and economic business class immigration.
JT Immigration will assist you through the entire immigration process by following through with the necessary guidelines. As a professional immigration consultant, they will help you in evaluating your eligibility, initiating the legal process and advising you on the all the necessary steps to see to that all legal formalities are taken care of. Joel E Tencer is a Fellow of the Canadian Migration Institute which promotes consumer protection and educates its members. Anyone is welcome to take an online assessment with the firm to begin the process of your Canadian immigration application. If you want to claim refugee status in Canada, JT Immigration acknowledges the Geneva Convention guidelines. Around the world, a lot of helpless people suffer from human rights violations and and they are scared of returning to their homeland again. Refugee claims against human rights violations of religion, race or nationality can claim aggrieved status according to the Canadian Charter of Rights and Freedom. Canada also allows individuals or organizations to sponsor eligible refugees. Therefore do not hesitate if you want to go ahead and make a living in Canada. With excellent growth and business opportunities, the friendly nation with its supportive immigration policies and favorable refugee rules will be a great place for you and your whole family. JT Immigration will help you with all your immigration problems as they have an excellent immigration lawyer in Joel E. Tencer as the brain behind the firm.
Immigrating to Canada, Frequently asked questions
Who can immigrate to Canada? Basically anyone if he or she can pass the required tests, fill in an appropriate application and have enough basis to be accepted by the Canadian government (family and relatives, working experience or other factors). What is a covered by the Canadian Permanent Resident Visa? The Canadian Permanent Resident Visa allows the holder to live, work, and study in Canada legally. It has no such thing as fixed expiration. It can be canceled if a holder has violated the laws of Canada. It allows the holder to apply for Canadian citizenship and Canadian passport. What types of immigration are available? There are three general types of immigrants: Family Class Immigrants, Skilled Workers and Business Class Immigrants. The Family Class Immigrants covers spouses (by marriage, common law, or conjugal partners); dependent children under 22 years of age; parents and grandparents (only if a permanent resident or citizen son or daughter has sufficient qualifying income). Skilled Workers must pass a special testing point system that checks things like age, education, experience, arranged employment and proficiency in the English and/or French language. To pass the applying person must gain more that 67 points also a special committee must define that the worker will have a positive or neutral effect on Canadian economy. Business Class Immigrants can be divided into three types: self-employed persons, entrepreneurs, investors. Each of these types has a number of limitations like working experience, earnings and requires written statements of the intentions of this person. Do I need to use a representative or submit the application myself? While the whole immigration process must be done by you personally it is recommended to hire an experienced immigration lawyer if possible. Everyone understands that mistakes in the application can lead to refusal and even more serious consequences concerning immigration to Canada. A good lawyer will help you not only to prepare the initial documents right, but will also help dealing with some immigration problems if they arise. It is also recommended to avoid various companies that offer immigration help and are not backed by some official papers or good legal background.
How long will the process take and what are the most important conditions? The duration varies from case to case, still there are some general statistical time periods. For Skilled Workers Class it takes from 6 to 8 moths. Business Class Immigrants are usually accepted within less than 8 months. The time heavily depends on the quality of the documentation provided to the visa officers, so a good lawyer can help you to save time here. As for the conditions many things are important depending on your Immigration Class. In general people with serious medical conditions will have problems with immigration and also people convicted of criminal offences will have serious difficulties with obtaining permanent resident status in Canada. For both of these cases a number of factors are examined like the seriousness and contagiousness of the disease for medical problems or nature of the offence, the sentence received, the length of time elapsed since the offence for the conviction problems.
Take Help of an Immigration Lawyer For Immigration to Canada
There are many people who are interested in immigrating to Canada as this is one country that offers tremendous opportunities and options to explore for new immigrants. People prefer immigration to Canada than other country as it has higher job opportunities for immigrants. In fact, the majority of people come here to work, to start a new life. Plus, this is one country where you will find relatively low degree of racism and discrimination in the society, as people living here are very open minded and they are ready to welcome people from other countries. Most of the privileges extended to Canadian citizens are enjoyed by immigrants. Immigrating to Canada permanently is an exciting opportunity. Immigration to Canada has a lot of benefits and the Canadian Government encourages it as helps in economic growth and creates cultural diversity and understanding of different nations. After immigration to Canada one gets the right to live and work anywhere in the country. One can think for immigration to Canada along with their other family members, including children. Immigration to Canada is lengthy process and there are lots of paper works to handle. The easiest way to apply for immigration to Canada is by contacting an immigration lawyer. In Canada, there are many good immigration lawyers who can help you out with visas, work permit, refugee claim and lots more. Immigration lawyers give immigration advice and help to visa applicants, usually for a fee. However, hiring an immigration lawyer is up to you as it is nothing like your application will be given special attention or it will be done faster. However, there are several things you should consider before hiring an immigration lawyer. Look for an immigration lawyer recommended by people you trust. In fact, talk to at least two to three potential advisers before selecting one. Inquire about the training and experience the immigration lawyers have and the areas they expertise. Hire an immigration lawyer who is a professionally certified licensed member of the ‘Canadian Society of Immigration Consultants’.
Collect information about the services they provide and their fee structure. Get this information in writing. Avoid hiring immigration lawyers who refuses to answer your questions or are not giving satisfactory answers. Read the written contract carefully before you sign it. The contract must have all the promised services listed properly and even the fee structure must be clearly set out. Never leave your original documents required for immigration to Canada with the immigration lawyer. Before signing up the application form make sure it not blank. If there are some papers or documents that you don’t understand. Keep copies of any documents that are prepared for you safely as you might need it in future. Ask the immigration lawyer to update you on the status of your application on a regular basis.
Entering Into a Partnership Agreement in Canada
Business is most definitely the sphere that walks hand in hand with the law. The traditions of trading that finally evolved into modern business require an enormous number of laws, amendments and acts to regulate all the processes and business relations. In this article we will take a look at partnership agreement and related legal issues. Every partnership agreement is usually based on trust between the partners, still every experienced businessman knows that people can change and the interests of partners can change and of course the business situation in general can change. So a properly drafted partnership agreement that covers all the possible conflict situations is a must for any partnership. While some people may view it as a document that shows a lack of trust or even an insult it is actually more of a serious basis for the agreement. Needless to say that only a properly drafted partnership agreement that was done by an experienced lawyer will really provide solutions for all the possible conflict situations that could arise. As for the lawyer of course you will need a lawyer with experience in partnership agreements. It is also great if the lawyer has business experience. Before you establish a partnership in Canada, you will need to meet three criteria: your proposal is for a Canadian business (”every trade, occupation, or profession”); the partnership will have profits (no charity allowed) and you intend to carry on business in Canada and share the profits. When drafting a partnership agreement you need to carefully examine four main issues that can be described as four simple questions: How will we name the partnership? How will we manage the partnership? How will we divide the profits? How will we end the partnership?
First thing that you need to do is choosing the name of the partnership agreement. The second thing is to check if the name is not yet registered under the Business Names Act. Very often people tend to name partnerships after their last names and there is a big possibility that there already is a registered partnership under these two last names. Choosing the partners (there can me more than two partners actually) is the next step, closely followed by the general definition of the business that the partners will be involved in. It is also important to specify if the partnership is closed or open for exiting or inviting new partners. Like in every business flexibility is the most important thing for a growing business. The next important step and issue is defining the management rules of the partnership. Voting, decisions, management, contributions and everything related is defined under the second question. Needless to say that this part needs the most attention and time, if the parties are interested in a healthy well established business partnership. The next two big questions are how to divide the profits and how to end the agreement, they basically grow out of the rules established earlier. The last part also must hold possible resolutions for situations when one of the partners dies for example.
Real Estate Purchase Contracts in Canada
A good real estate purchase contract usually contains numerous details and information concerning the property so it must be treated very seriously. A good real estate contract usually holds huge amounts of information and in some jurisdiction it must be in written form to be enforceable. The contract can identify the full names of the parties; hold the address and legal description of property; identify the purchase price; it must be voluntarily signed by both parties; have a legal purpose; involve only competent parties (age, medical conditions, etc. ); show that both sides agree upon the purchase What is most important is that the rules for buying a home vary from province to province. The first thing that you need to find if you consider buying a home is ? an experienced real estate lawyer working in the province where you plan to buy a house. We will also provide you with some general info about real estate purchase in various provinces. British Columbia British Columbia has an odd tradition of inviting the lawyer only at the final stage of the contract signing. Basically the lawyer signs the contract and only after that reviews it. Needless to say that it is better to avoid this tradition and consult a lawyer right from the beginning. Ontario Ontario is one of the best places to buy or sell a home. The province has one of the most advanced land registration systems in the world; Ontario has the title insurance; the province also has competent, well regulated professionals; the costs of buying, selling and owning real estate in Ontario are very reasonable; finally the province has a protection plan for new home buyers and mortgage insurance programs. Quebec Due to the civil law traditions the rules for real estate in Quebec can be very different in details of the contract. So in this province it is even more important to find an experienced local real estate lawyer who is familiar with Quebec real estate mortgages, amortization terms, repayment frequencies and prepayment options, along with their respective merits and demerits.
Alberta In Alberta the contracts have flexible terms and conditions, while the whole process is considered to be very complicated. Also if you are purchasing property through an agent most probably you will be offered one of the standardized contracts used in the province. Saskatchewan In Saskatchewan the brokers use the local standard forms for the reel estate purchase contracts. Also the Law Society of Saskatchewan is active in establishing standardized conditions and terms for purchases done with the help of real estate lawyers. Nova Scotia The real estate purchase contracts in Nova Scotia must be in written form. The whole process is regulated by the Nova Scotia Real Estate Association, which has a number of various standard forms of agreements used for the purchase transactions. In Nova Scotia apart from a lawyers review of your contract you may also add a “lawyer review clause” to the contract to protect your interests.
Things to Consider When Purchasing a Business in Canada
Purchasing a business is an extremely serious decision, so before you start the whole process there is a huge number of important things that you need to consider. Starting form the situation in the industry in general and up to certain details in the provincial laws that may influence the purchase process. Generally these things can be divided into 3 groups: General, Business Related and Legal. Also it is highly recommended to consult with a lawyer right from the beginning of the purchase process to avoid mistakes in documentation and problems from the legal side. General The general group includes everything related to general decisions and finances. Why do you want to purchase this business, what do you expect form purchasing this business, can you use your resources in a more effective way. This is the first group of things that must be considered before you move on, because at this stage cancelling the purchase will not bring you any losses and spending. The finances are the second important thing that must be considered in this group. There are two types of financial questions ? related to your resources and related to the transactions. The first type must be considered in the beginning of the process. A good financial planning will be the key to a successful business purchase, so at this stage it is better to consult all the possible experts in business, risk management and law. The questions related to the transaction are solved at a later stage of the process, but must be considered also at the beginning of the process. A good lawyer will tell you about all the details that exist in the jurisdiction of the current province.
Business Related Business related things include everything that is related to the purchased enterprise. The main question here is “Why is the vendor selling the company?” Naturally the answer to this question will help to understand how valuable the business is. All the questions related to the creditability of the vendor must, the employer-employee relations in the future company, the financial status of the company and even things like patents and trademarks must be considered within this group. Also it is very important to get a good analysis of the industry and its possible development. Legal The legal things are the last but not the least. If the most important decisions in the other two groups can be made only by the person who is purchasing the business alone, this one has the things that need an attention of a good lawyer. And like in the all serious areas the lawyer must be experienced in handling the business purchase in the province where you are buying the enterprise. Most of the provinces have their own laws concerning the business operations, because these actions have a direct influence on the financial situation in the province. As we always recommend it is better to contact the lawyer right after you’ve made a decision of purchasing a business and thought over all the basic general questions.
The Importance of Cohabitation Agreements in Canada
Cohabitation agreement is a legal agreement reached between a heterosexual or same sex couple, who have chosen to live together. It is like the light version of marriage. In some legal issues (mortgage or child support for example) the couple that signed such document can be viewed as married, but in case of property rights, pensions and inheritance, the couple is usually treated differently. It is a good solution for people who want to protect themselves from unnecessary cost and litigation in case their relationship breaks down. Also such agreement can help to regulate such important issues as property rights and child support. It is best to enter such agreement before the couple is seriously tied together economically. When writing such agreement it is as usual useful to consult an experienced family lawyer, who can help to write a legally correct document that will be accepted by the court. There are a number of things that should be considered. The parties entering an agreement must show that they intend to create a legally enforceable agreement. Both parties must enter the agreement voluntarily and without any pressure from the other side or the other side’s family lawyer. Both parties should disclose all the details of their assets and liabilities. Each party must have their own lawyer. The agreement should be reasonable at the time it is entered into and should plan for future events. The agreement might be set aside if it holds possible law violations, for example if both of the sides refuse to pay the child support for their future children. The agreement must be in writing, signed by both parties and witnessed. We already wrote about the growing number of divorces and sadly the numbers are rising. If we set aside the emotional consequences of a divorce we will still have the financial consequences, which can be much more serious. So an agreement regulating such terms for non-married people is also very important. Also it is a good solution for people who already had a divorce and are seeking more protected and less serious family union.
If you feel that there is an imbalance in your relationship, this agreement also can be useful. For example if you are wealthier than your partner, have recently received an inheritance, or you are the owner of a business or home, cohabitation agreement will protect your financial assets. Also if your partner has children from previous marriages it will be useful to regulate all the child support related issues in this type of agreement. Many people view such agreements in a negative way, because it shows that both sides are seriously considering a break up. But it is wrong, love is blind and the consequences of a break up can be very serious. Cohabitation Agreement is simply a very useful document and most probably after you’ve signed it you will feel more secure and live happily ever after. Just be sure to have an experienced family lawyer nearby, when you are writing a cohabitation agreement.
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