Monday, April 30, 2012

Skilled Worker Category under Quebec Immigration Program



This is a great opportunity to file the applications for Immigration to Canada for those who are not qualifying under Federal Skilled Worker category.

Quebec's Skilled Worker program operates under a selection grid of criteria used to determine whether an applicant would be able to successfully settle and work in the province. Points are assigned to applicants and their spouses, if applicable, according to their level and field of education, work experience, age, previous experience in Quebec and language ability.

In order to be eligible to apply for immigration as a Quebec Skilled Worker, a pass mark of 50 points for single applicants and 57 points for applicants with accompanying spouses must be met.

For more information, please visit :

The process and qualifying grids are very complex.

Look at the list attached. If you have clients under these occupations we can file their application under Quebec Nominee Program. Following are the broad gist of the program :

1. The current time taken for Quebec Acceptance Letter is 4-8 months for Priority and 12-15 months for non-priority cases. The acceptance by Quebec means the issuance of Certificate of Selection by Quebec (CSQ).

2. Once this letter is obtained, then we have to apply to the Federal office for immigration papers. The Federal portion will take additional 4-5 months. There is never a refusal from Federal if the Quebec has issued the QAL, except if there is a security or medical issue.

3. We will take care of the complete process. The total time taken approx. 11-18 months.

4. If the Quebec Acceptance Letter is declined, then we have the option of appealing the decision. Which we shall do if required.

5. The Quebec Application fees are non-refundable.

6. The fees are as follows :

Principal applicant CA5/-
Each dependant CA2/-

7. The Quebec application fees are on top of the normal Federal application and landing fees. (i.e 0 + 0)

8. The landing in Canada will have to be done in Quebec Region only. The major city is Montreal. One of the nicest cities in the world. However, after landing they are free to move anywhere in Canada without restrictions.

Requirement for Qualification to apply under QPNP :

Associates will have to verify the list below and check if the principal applicant has Graduated or Mastered in one the list field.

1. The applicant should be minimum Graduate with three years of University or three year of Diploma after the 12th grade. To get sufficient points MASTERS are preferred.

2. The applicant should have the relevant experience which matches the field of study.

3. The age of Principal Applicant should not be more than 35 years (if more than 35, will lose points)

4. The age of spouse should not be more than 35 years (if more than 35, will lose points)

5. The spouse of the principal applicant should also be a graduate

6. The principal applicant should be proficient in any one language


7. IMPORTANT TO NOTE : In order to get enough points to qualify and to satisfy the visa officer on your true intentions to settle in Quebec, we insist that client completes DELF A2 level from Alliance Francaise, available in all countries and in major cities. Knowledge of French will also provide the interviewing officer to give full Adaptability points.

Thus, the knowledge of French becomes a mandatory factor.

8. The spouse of the Applicant should also be reasonably good in English or French, even though we do not require the proof.

9. If the applicant is good in English, we do not need the IELTS. The IELTS results will have to be submitted only of the visa officers demand.

10. We need the details on children - Number of Children, their ages.

Very Important : The work experience should be related to the educational qualifications.

Note :

There are two stages to Quebec Immigration Process. The first stage is selection by the Quebec Immigration Department. They issue the CSQ (Certificate of Selection by Quebec ).

The second stage is to apply with the federal department for the visa. We have to fill both the sets of application forms at the same time. All the supporting documents are required in the initial stage itself.

Below is the point system, selection grid. There are three parameters, and the candidate will have to qualify under all of them, viz. Employability, Preliminary and Total. The points are different for single and family.

For more information, please visit :

Q & A

Ans = Minimum work requirement is 1 year full time. But the points allotted will be lesser in one year and maximum in 5 years.

Q Is French Language Necessary for Principal Applicant ?
Ans = Yes, it is mandatory to know French. However, the knowledge of French is limited to Speaking and Listening only. The points depend on the level of French knowledge.

2-6 points for Beginners
7-12 points for Medium
13-16 points for Proficient

Q Will the interview be in French?
Ans = A choice will be given to the client to choose their language for interview. However, the main purpose of the interview is to check your speaking and understanding ability of French.

Ans = Full time is essential. Quebec is very strict in foreign education requirements compared to Federal.

Q - Is there any point system for this program or just need to full fill criteria? If yes than how points are awarded?
Ans = The points system are multi-parameters and very complex. It is too detailed for me to explain the mathematics. We use complex software to accurately calculate the points, which is based on many variables.

Q - Minimum English requirement in terms of IELTS result ?
Ans = English knowledge should be proficient. At least 6.5 average.

Q - What is the chance for single person to be qualify?
Ans = Single person may qualify, if Masters educated, a tleast 2-3 years of relevant work experience and proficient English and French at DELF A2 level..

Q - Limited time.. No any final date of ending program.
Ans = As any other program, the rules might change anytime depending on inflow of applications. So take advantage while the program is still there. They might remove the occupations from the list.

Below is the link which of education which will attract points under the Area of Training in QPNP. Those mentioned YES under Priority Treatment will get more points and the file will be treated under priority.

For more information, please visit :

Sunday, April 29, 2012

$20,000 Unsecured Loan With Bad Credit: How Approval Is Made Easy

It can be difficult to convince cautious lenders to grant large loans when an applicant has a poor credit history. But it is worth noting that even large sums can be borrowed if the application is strong enough. Indeed, even the idea of getting a ,000 unsecured loan with bad credit should not be ruled out.

Credit scores, remember, do not have a major influence in the approval process. Their impact is confined to the rate of interest that is charged on a loan, which is not enough to prevent approval on its own. Securing loan approval depends on other things, not least the size of an income and the impact of existing debt.

Getting a successful application together involves taking an honest approach to calculations and budgeting, especially when applying for a large unsecured loan. Only then can the thumbs up be considered likely, though there are never any guarantees.

Key Influences on Approval

A well-structured application is essential when seeking something like a ,000 unsecured loan with bad credit. The reason is that the lender needs to be convinced that the applicant is serious about taking on the responsibility of repaying the loan. So, clearly showing they have the key issues in order (large income; strong debt-to-income ratio; and collateral) is essential.

Income is clearly important, so proof of a sufficient and regular source of income is needed if there is to be any chance of securing loan approval. In the case of the self-employed, it will be necessary to provide copies of tax returns to confirm the earnings of the previous year, and accurately estimate the ability to meet repayments.

The debt-to-income ratio is probably more important, though, since it confirms whether existing debts are too high. Remember, a large unsecured loan could require 0 or 0 per month in repayments, and according to the ratio, the maximum share of income to cover such debts is 40% - that figure cannot be broken.

Security Can Help

Convincing lenders might be tricky, but providing some security is a major boost to efforts. When applying for a ,000 personal loan with bad credit, offering collateral matching that figure will all but ensure approval, since the lender can use it to claim compensation should the borrower default on the loan.

But it is not always easy to find an item worth ,000, though it may be possible to combine a number of items to add up to the correct value. Securing loan approval does not solely rest on this however, and there are other options, not least the provision of a cosigner.

Of all the forms of security, a cosigner is arguably the most desired. This is because a cosigner promises to make repayments if the borrower is unable to. This means that the lender does not have to worry about turning the collateral into cash. With very large personal loans, where collateral is hard to find, cosigners are especially popular.

Locating the Right Lender

When applying for a ,000 personal loan with bad credit, finding the right lender is important, as their terms are what make a loan affordable and too expensive. The best place to find a lender is online, and the best in the business from the point of view of a bad credit borrower is a subprime lender. These offer the very best loan packages, and while their interest rates are usually high, they offer the best chance of securing loan approval.

Still, whenever looking at options for large personal loans, be ready to accept at least some compromises. Deals might not be excellent, but can be affordable.

Saturday, April 28, 2012

Need-to-Know Information About Pension Advances

Gathering and reading information on pension advances is an excellent idea if you're considering your cash flow options during retirement. The good news is that this type of financial arrangement can be an incredibly easy process for those who qualify, and the funds are paid in one lump sum so that you can use them on whatever you want or need. The following is a more detailed description of what you need to know if you're thinking of applying for a cash advance on your future retirement fund payments.

Finding Out If You Qualify

It would be a waste of time to research this financial arrangement if you won't even qualify for one, so before you go any further it's essential to find out whether you do. Leading financial institutions such as US Pension Funding typically have requirements similar to these:

You must be currently receiving pension payments.

If you are a military veteran, you must receive payments for at least 6 months before you apply.

You must display a stable credit history.

Owning a home is advantageous, but stable renters also often qualify.

A Chapter 7 Bankruptcy is acceptable as long as it's discharged at the time you apply.

If you have a Chapter 7 Bankruptcy, you may qualify if it was discharged two or more years ago.

Learning More About Your Options

The important thing to remember is that this is an advance; it is not a loan. You are selling an asset in exchange for a lump sum of money that you can use for a variety of purposes. Rather than waiting years to set aside money from your payments each month, you can have the cash you need right now to pay for whatever you want or need.

Just consider some of the following things people use their advances for:

Attorney fees

Credit card debts

Medical bills

Purchasing a new home

Buying a recreational vehicle

Taking a dream vacation

Starting a new business

Taking advantage of investment opportunities

College tuition (for a young loved one or perhaps for that master's degree you've always dreamed of having)

Once you have determined that you will qualify, you will need to figure out how much cash you need now and/or how much of your future payments you will be able to live without. The most common arrangement is a period of eight years. The financial institution that you are dealing with will provide you with a lump sum in an agreed upon amount, probably in the form of a check or electronic deposit, and in exchange, they will receive your payments for the agreed upon time. Once that time period is over, you begin receiving your payments again as usual.

Thursday, April 26, 2012

Free Email Templates

So you've just gotten back from holiday and your budget is looking a bit bleak. Perhaps you have new clients/projects that require communicating but you just don't know which avenue to choose. Perhaps Facebook? Then again, that's not professional. Maybe emails?

They're not successful if done on your own. Free email templates with a reputable email marketing company? Now that's a clear winner. They are cost-effective and extremely successful for email marketing campaigns and newsletters.

Whether you're for or against allocating a lot of funds to your small business after the festive season, you will agree that any free investment that promises to take time off your hands when you're playing catch up to the New Year is a good thing.

- There are a wide range of email templates that you can get for free for various industries such as: arts and entertainment, hospitality and travel, business, technology, media and PR, real estate, health and wellness, customer service, food and wine, retail and fashion, NPO's, architects, and automotive.

- There are also various types of email marketing templates to choose from for different occasions such as: email cards, eflyers, promotional flyers, and email.

- You can also go further to choose free email marketing templates with different themes and events such as: holidays, event invitations, and special occasions.

- Depending on the occasion, event, and industry, you will pick a layout that's suitable with sufficient columns. Often, too many columns are not recommended as they take longer to load in email accounts and people generally prefer not having to scroll to the side; especially if they're accessing your email newsletters via their mobile phone.

Many email marketing companies offer free email templates that your business can perfect to send bulk email marketing messages, or direct email marketing messages.

These free email templates are not only saving valuable money, but are also professionally designed for email marketing success, thus saving you the time, effort, and skills training needed to design an email template. However, free email templates can still be modeled to reflect your business.

Fast same day loans-Bring an instant remedy for your multiple expenses

If you are unable to manage the urgent obligations with the single source of income of 1000, then you need to apply for fast same day loans. Urgent obligations may be like hospitalization, car repairs, unplanned trips, etc. More than 50 % percent of the salary goes out for other regular expenses like groceries, infrastructural facilities like electricity, water and gas, house hold rent, etc. Arrangement of instant cash was a weird thing in the past. In fact, no one took the risk of lending money to the small income group or salaried class. Such policies maintained by the lenders did not contribute in upliftment of the economy. With the popularity of information technology in the commercial market, the lenders adopted some flexible methods to uplift the salaried class. Some fast track loans have been designed to cater to the urgent needs of the employees. One of them is fast same day loans. These short term loans would be accessible within few hours to recover the financial shortage.

You would be able to check more details on fast same day loans through online research. The interest rates are higher because you are not submitting any security deposit against the loan amount. Many lenders would claim to offer these loans at reasonable rates. You would be able to discover different terms and conditions set by the lenders. It may take hours to read those rules. However, it is better to take time and study those conditions. It would also be better to take help from your friends and colleagues for further guidance. Precautionary steps would save you from falling in trap of hidden costs. The loan amount would vary from 100 to 1500. The repayment period would range between 14 and 31 days. It may be extended as per your convenience.

You would be excused for maintaining bad credit records. The lender would easily sanction the requested amount without even checking any of your bad factors like county court judgments, foreclosures, bankruptcy, missed payments, defaults, etc. Therefore, these loans are termed as no credit check loans. Fill up the online form by fulfilling the basic conditions without paying any processing fee:

a) Must have a valid citizenship with UK.
b) Should maintain a checking account with the bank for not less than 3 months old.
c) It is necessary to provide the job details along with the monthly income.

Submit the online form and it would be examined by the lender. The loan amount would be deposited in to your bank account.

Tuesday, April 24, 2012

Loan Car Title For Cash

One can easily avail loan car titles for getting quick cash. Car loan companies provide car title loans using your car's title as collateral. These loans offer you with a big advantage allowing you to get the car for drive even during the car title loan period. People who need quick capital and who wish to avoid the hassles of dealing with a bank can go for car title loans.

To be eligible for this loan, primarily the applicant needs to have a clear title to his car. This makes any existing loan on your car needs to be paid off before you can avail this loan. In general, the duration of a car title loan is 30 days. One can either pay off or extend it at the end of the loan term. For extending the loan, the existing interest has to be paid. The loans can also be paid off at any point of the loan term.

Car loan companies go easy on their customers' credit histories, since these loans are secured by the value of the car. Most companies do not make credit checks. Many other companies advance cash to the car owners even with a bad credit history. The car title loan process is really simple and hassle-free. Once you make a contact with a loan company, a representative of the company will assist you in getting the money you need. Amounts land by the loan companies are determined by the wholesale value of the vehicle.

A few factors like the year of the car, its make, model, mileage and condition are taken into consideration. After a comprehensive inspection of the vehicle, the company determines its value and the amount you can borrow. Loan companies offer flexible loan programs and you can choose the program that would best suit your needs. Once the car owner repays the loan, the company returns the title to the car.

Saturday, April 21, 2012

Bankruptcy - Pros And Cons Of Filing

I have been receiving more and more questions on bankruptcy filing in the last couple of months, that is when the idea of doing an article on the basic advantages and disadvantages of going bankrupt came to my mind. I intend this article to become an easy guide for anyone who has ever wondered whether it would be beneficial for him or her to file. If you have ever found yourself in that situation, this is the guide for you. Read on and enjoy!

Filing for bankruptcy is know for leaving a huge stain on ones credit report and for somehow ridding one of ones debts. But believing that that is all it does, is ridiculous. There are many other aspects of bankruptcy filing, both positive and negative, which are not discussed often, and that is exactly what we are going to do here.

Advantages Of Going Bankrupt

This financial procedure offers many positive things, I will list them one by one.

1) So you are deep in debt and you are unable to pay it off. You have many options if this is your case. If you decide to file for bankruptcy, you will be paying less money than if you went for an informal voluntary agreement. Both carry different pros and cons, but this is something important to bear in mind.

2) Creditors can become an extreme hassle and put an enormous amount of pressure on you. Bankruptcy will put an end to their incessant harassment.

3) Another great thing of bankruptcy filing is that a third party (usually professionals in the administration ground) takes over your debt negotiations and payments. You will not be making any decisions on that field anymore.

4) You will get a fresh financial start, which is invaluable.

5) Those filing for Chapter 7, will be discharged from most of their unsecured debts.

6) After the bankruptcy is finally discharged, your debts will no longer be on your credit report. You will be able to begin rebuilding your credit and will even be able to apply for loans.

Disadvantages Of Bankruptcy

Like any typical financial move, it does have negative things. Whether they are significant for you or not, depends on your particular situation.

1) In case you are a homeowner and you have some equity on your home, it will most likely be sold.

2) All of your financial affairs will be investigated whether you allow it or not. Provided that any irregularities are found, you may face criminal charges.

3) If you have a business, or part of a business (partnership), it may be sold.

4) You may lose most of your high valuable assets. Not all of them, of course, the law protects certain types of assets from being taken.

5) You will have to wait until your bankruptcy is discharged to apply for a loan.

6) Going bankrupt can be expensive at time as all of the fees will be taken from your assets.

7) Some debts cannot be written off, for instance: child support, student loans, court order debts, fines, etc.

As you can see, there are both advantages and disadvantages of filing for bankruptcy. Whether it will be beneficial for you to file or not, depends on your particular situation.

Ways Of Accounting For Non Profit Organizations

Nonprofit organizations have different accounting needs than businesses that are profit driven. Non profit accounting is based on the principal of fund accounting. The fund accounting is the one that emphasizes accountability for separate funds that are segregated from other funds in the organization. For the fund accounting, this is driven by rules or guidelines specifying that an organization has to account for funds separately that are designated to be used only for certain purposes. For example, donors may donate money to be used specifically for medical equipment, or some other purpose, and the funds in that account can only be used for that purpose and may not be used for administrative salaries or other budget items. Track revenues and expenses for each fund separately and be able to provide reports for each fund is a must for nonprofit organizations. The kind of software that an accounting nonprofit organizations needs is a software that is designed for non profits and allows an organization to track and pull reports for separate funds.

Accounting practices are important for any business. Knowing how much money is coming in and how much money is going out is critical for making decisions about spending. A nonprofit organization often has donors, board members, or other officials who want to know exactly how money is being spent too. Keeping accounting records accurate and up to date can help a nonprofit organization be able to answer questions about expenses accurately. It is important to have an accurate record keeping can also help an organization understand expenditures so that adjustments or reductions can be made to help the organization run more efficiently. For a nonprofit organization, for them to operate, they need donors, grants, fundraisers and other types of charity donations. It is best that an organization is able to accurately account for and show how much money comes in and how much money is spent, it can foster a feeling of trust in the organization that in turn can generate greater donations and support.

A nonprofit operation can benefit with tax exemption status. In order to qualify as tax exempt, an organization will need to meet certain guidelines established by the IRS. Proper tax forms will need to be filed with the IRS for the organization every year. Keeping proper accounting records will make it easier to fill out IRS forms or other forms that need to be filed on a regular basis showing income and expenditures. To show whether or not you continue to qualify for a tax exempt status, there should be a proper recording.

Nonprofit organizations has so much help in their communities by providing services that help to improve individuals and communities. The founders, volunteers, and employees who are dedicated to these special causes often spend many hours and in service to make these organizations viable. But having a passion for the cause is not always enough to keep an organization running. In order to help the organization run successfully and continue to bring in the necessary funds to operate year after year, there should be proper accounting profit should be kept at all times. Finding accounting software that is designed for nonprofit organizations can help non profits successfully keep accurate financial records.