Orientation guide for newcomers to New Brunswick - Government of ...

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• you may borrow from your RSP to help payfor your first home or to go to university.You do not have to pay tax on this money.For homes, the amount must be repaid tothe RSP within 15 years, with a minimumannual payment of 1/15th of the amountwithdrawn. For attending university(typically, adults), the amount must berepaid to the RSP within 10 years with aminimum annual repayment of 1/10thof the amount withdrawn; and• RSPs may be savings accounts, GICs ormutual funds.Registered education savings plan(RESP)• RESPs are similar to RSPs, except they areused to pay for post-secondary education;that is, education after high school;• students pay the tax when they take out themoney to use for their education. This willnormally be a very small amount comparedto the amount of tax that would be paidby someone working (sometimes no taxesneed be paid); and• the government gives grants of up to $500per year, per student, which go directlyinto RESPs.Tax-free savings account (TFSA)• since Jan. 1, 2009, banks have offeredsavings accounts and mutual funds withinterest that will not be taxed;• individual will be allowed to contributeup to $5,000 per year; and• the money may be withdrawn at any timeand for any reason with no tax penalty.Moving moneyIf you need to transfer funds outside ofCanada or even to different accounts withinCanada, there are many ways this can bedone. The following is a list of some of themost common ways. For more informationon transferring money contact your bank.Wire transfers• this means moving money electronicallyfrom one bank account to another onelocated almost anywhere in the world;• you will need to know details about theaccount into which you are transferringthe funds. Contact your bank to get theinformation that you need;• there are usually fees for wiring moneyand for converting between currencies. It isoften a percentage of the amount of moneybeing transferred; and• there may be restrictions and extra securityif you are transferring large amounts ortransferring money to certain countries.Western UnionWestern Union is a private company thatmoves money all over the world.• the transfer may be done in personor over the telephone; and• this method allows the other personto get their funds right away.For more information:• toll-free, 1-800-325-6000 ;• www.westernunioncanada.caE-mail money transfersE-mail money transfer is a way to movemoney between people at different bankswithin Canada:• this kind of transfer is usually cheaperand faster than a wire transfer; and• this transfer sends money directly from youraccount by e-mail. The person receiving themoney must accept the transfer.Orientation guide for newcomers to New Brunswick63
Money ordersMoney orders may be purchased at the bankor the post office. It is a safe way to sendmoney through the mail. Money ordersmay be easily cashed by the personreceiving them.BanksIn New Brunswick, you will be able to findbranches for all of Canada’s major banks.Canadian Imperial Bank of Commerce (CIBC)• toll-free, 1-866-525-8622• www.cibc.comBank of Montreal (BMO)• toll-free, 1-877-262-5907• www.bmo.comRoyal Bank (RBC)• toll-free, 1-800-769-2520• www.rbc.comBank of Nova Scotia• toll-free, 1-877-552-5522• www.scotiabank.comToronto Dominion (TD)• toll-free, 1-877-247-2265• www.td.comNational Bank• toll-free, 1-877 394-8988• www.nbc.caHSBC• toll-free, 1-888-310-HSBC (4722)• www.hsbc.caOther banks and banking services include:64Orientation guide for newcomers to New Brunswick
Page 2:
Orientation guide for newcomers to
Page 5 and 6:
New Brunswick’s countiesNew Bruns
Page 7:
New Brunswick detailed mapQUÉBECMa
Page 10 and 11:
distribution, information technolog
Page 14: Chapter 2The political systemOrders
Page 20 and 21: Find a place to liveThere are a num
Page 22 and 23: Chapter 4Help getting startedImmigr
Page 24 and 25: In addition to the information in t
Page 26: Orientation guide for newcomers to
Page 29 and 30: The telephone book is divided into
Page 31 and 32: Contact numbers for the different t
Page 33 and 34: ShoppingNew Brunswick is a popular
Page 35 and 36: Bell Aliant• toll-free, 1-866-4AL
Page 38 and 39: Chapter 6Finding a place to liveWha
Page 40 and 41: If you buyBefore you look for a hou
Page 42: City or country livingIf you live i
Page 45 and 46: International training andinternati
Page 47 and 48: Westmorland CountyP.O. Box 5001,200
Page 49 and 50: The New Brunswick office of Canada
Page 52 and 53: Chapter 8WorkingAbout your Social I
Page 54 and 55: The amount of EI you receive is a p
Page 56 and 57: Chapter 9Health careCanada has a he
Page 58 and 59: • call toll-free, 1-866-554-5959
Page 60 and 61: Chapter 10Money and bankingCanadian
Page 62 and 63: • credit cards are generally easi
Page 66: ICICI:• toll-free, 1-888-ICICI-CA
Page 69 and 70: • the total time spent in the pro
Page 71 and 72: Safety inspectionsEvery car registe
Page 74 and 75: Chapter 12EducationThe school syste
Page 76 and 77: Post-secondary educationIf students
Page 78: Student loansPaying for your educat
Page 81 and 82: Prohibited grounds of discriminatio
Page 83 and 84: Women’s rightsWomen have full equ
Page 85 and 86: Sexual harassmentWomen and men have
Page 88 and 89: Chapter 14Citizenship and permanent
Page 90 and 91: Chapter 15The legal systemNew Bruns
Page 92 and 93: Legal aid offices in New Brunswick:
Page 94: Chapter 16Faith and religionReligio
Page 97 and 98: The Child Tax BenefitSome Canadians
Page 99 and 100: • many parking lots have blue-col
Page 101 and 102: YMCA of Greater Moncton,30 War Vete
Page 103 and 104: Meeting peopleAs mentioned earlier,
Page 105 and 106: 104 Orientation guide for newcomers
Page 107 and 108: Power outages (24 hours):• toll-f
Page 109 and 110: Kent CountyPlace LeBourg, Suite 13,
Page 111 and 112: 110 Orientation guide for newcomers
Page 113 and 114: Kent CountyRichibucto Service Canad
Page 115 and 116:
114 Orientation guide for newcomers
Page 117 and 118:
Miramichi Regional Hospital,500 Wat
Page 119 and 120:
Community mental-healthcentres:•
Page 121 and 122:
Gloucester County:Enfant-Jésus RHS
Page 123 and 124:
York County:Gibson Health Clinic,23
Page 125 and 126:
Northumberland CountyMiramichi East
Page 127 and 128:
Shediac Medical Clinic,419 Main St.
Page 129 and 130:
128 Orientation guide for newcomers
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