Read Living in Toronto: the 200-page guide to moving to Toronto.

Page 1 RANKED THE BEST CITY IN CANADA & ONE OF THE BEST IN THE WORLD ENTERTAINMENT FOOD TO ORON T N I NS MORE O I CT A R TT A E SE T US M & SO MUCH 2 DAY ITINERARY FOR TOURING TORONTO Why Toronto ATTRACTS IMMIGRANTS? #1 REASON INVEST IN TORONTO ADNANFEROZ.COM DATING ON AB UD GE T IN TO RO NT O 7 BEST SCHOOLS IN TORONTO TOP NEIGHBOURHOODS TO LIVE IN

Page 2 FOR THE LOVE OF TORONTO PRODUCTION CREDITS Toronto, the city that makes millions of dreams come true, is one of the most indemand cities to live in the world; it's even ranked globally. The city is ranked in the top 10 list regarding innovation, globalization, quality of life and entertainment. Toronto is not only the capital of the province of Ontario but also the engine that drives 20% of Canada's GDP, situated along the northwestern shoreline of Lake Ontario. EDITOR IN CHEIF Adnan Feroz ASST. EDITOR & WRITER Vidhi Aher CREATIVE DIRECTOR Hamza Ahsan PROJECT MANAGER Arya Anand DIGITAL MEDIA EDITOR Anubha Srivastva PRODUCTION MANAGER Hamza Ahsan If you're looking for a place to live that is vibrant, diverse, well-connected, and has a healthy lifestyle, then Toronto is perfect for you. So many cultures thrive together, and there's the use of updated technology in healthcare, law, and education. The economy climbs new heights every year due to its multisector strength. The city opens new gates for up-and-coming talent and provides a global platform to many artists. PUBLISHER Toronto Real Estate Pro COVER DESIGN Adnan Feroz COPY LINE EDITOR Asma Farooq AUTHOR PHOTOGRAPH Waaiz Up Inc PRINTING BY Boss Logo Stock Photos Storyblocks, Unsplash.com, Canva Pro, WikiMedia Creative Commons 3 Million+ views 130,000 views @adnanferozco 20 impressions monthly 3000 visits monthly

Page 3 MESSAGE FROM THE AUTHOR Being a serial entrepreneur and running a real estate team in Toronto for almost a decade has taught me many beautiful things - about life and this city. For me, Toronto is where dreams come true, and that's what I want my readers to take from this magazine. I've spent my whole life in this beautiful city; believe me, you'll feel the same once you step into this magical land. The atmosphere, culture, connectivity, and diversity are something that everyone deserves to experience. Toronto is one of the leading cities in the world. Every street here has branded stores and small local shops as well. The healthcare system and education sector are the strong pillars of the city. Toronto offers a lot to its residents with its top-notch lifestyle services. It is one of the leading cities with the top healthcare system. The opportunities here are endless, and you can experiment in many different fields. You can ensure a better future for your kids by providing them with the best education. I might sound biased toward my city, but Toronto offers a lot. The passion present in Toronto and the people who live here is unmatched. I want my readers to come here and witness Toronto's beauty through my perspective and remember the city's real side. ADNAN FEROZ Toronto has seen a drastic change in the past few decades; once known as a suburban city, it is now ranked in the top cities list. The economy is majorly boosted by the influx of millions of immigrants every year. This magazine covers all significant aspects of Toronto. It is filled with essential data, information, facts, and charts from the first page to the last page. Every page of this community guide is enriched with Toronto information and flavours. From the latest law and immigration updates to the best schools and restaurants in Toronto, you will find everything right here in this book. If you keep this community magazine handy, I'm sure you can handle being lost in the city or what you can do next here. Message from the Author Living in Toronto 2

Page 4 CONTENTS FOR THE LOVE OF TORONTO + MESSAGE FROM THE AUTHOR 06 HISTORY & ORIGINS 08 INTERESTING FACTS ABOUT TORONTO 09 TORONTO RANKS 11 DEMOGRAPHICS Demographics of Toronto How diverse is the city Culture of Toronto 21 LIFESTYLE Safety Index “Top Neighbourhoods to Live In” Standard of Living - “7 Reasons why you should move to Toronto Right now” Shopping in Toronto Frequently Shopped brands in Toronto Games and Events Top Sports teams Common sports Weather in Toronto How to stay warm in Toronto Top Arenas Trails and waterfront City vs suburbs Popular Foods & Top Restaurants Fine dining options 5 top Instagrammable Locations 49 ENTERTAINMENT The most happening events in Toronto Things to do in Toronto Scenic Lakes Activities to do 69 TRANSPORTATION Toronto transit commission Go transit Via rail Ridesharing - Uber Lyft, food delivery Connectivity 79 GOVT SERVICES Top hospitals Ontario Health Insurance Plan Child care options in Canada Sin Card, Health Card and PR Card Ontario Service & Service Canada Best Schools in Toronto” Top universities Program categories Top uni programs OUAC Application Student discounts 89 EDUCATION "Best Schools in Toronto” Top universities Program categories Top university programs OUAC Application Student discounts 103 ECONOMY Careers in Toronto Major employers The ultimate guide to finding a job in Canada How to find a job as a foreigner? Important Things To Remember When Applying For A Job In Canada Helpful Resources to find a Job in Canada The BEST RECRUITMENT AGENCIES IN TORONTO Essential parts of the employee benefits in Canada Work sharing in canada Business Banking Types of Bank accounts in Canada “Future of Planning in Toronto”

Page 5 133 REAL ESTATE Real estate in Toronto “What Should You Invest in Toronto” Best apartments in Toronto What to look for when you’re renting in Toronto How to buy your first home within the first year of moving to Toronto 145 EXPENSES Cost of living Cost comparison with New York City Taxes in Canada 6 things new immigrants in Canada should know about Canadian tax returns How much to pay for a cell phone plan in Canada? Car expenses Car rentals in Toronto Cost saving tips 161 MEDIA RELATIONS 163 POLITICS 167 CONSUMER PROTECTION Consumer protection in Toronto Government benefits and subsidies Bizarre laws in Toronto 173 TOURISM To travel is to live Itinerary for Touring Toronto What to bring with you to Canada Distance to Point of interest 183 IMMIGRATION Immigration in Canada What happens when you arrive in Canada Ontario’s Newcomer Program Migration “#1 Reason Why Toronto Attracts Immigrants” Immigration Facts How to find accommodation in Canada Visitor visa How to Get Canada’s Work Permit Visa? Eligibility Requirements If You Apply For A Work Permit From Inside Canada Can Foreigners invest in Toronto’s real estate market? Faqs of moving to Toronto 207 EMERGENCY RESOURCES 213 COUPONS 219 AUTHOR'S BUSINESSES 221 END CREDITS ALL ABOUT TORONTO AND MUCH MORE Contents Living in Toronto 4

Page 6 HISTORY T he locals here pronounce it as ‘Tuh-ronno', keeping the second T silent. The name Toronto is derived from the Mohawk word ‘Tkaronto’, which means “where there are trees standing in the water.” Toronto's history goes way back to March 6, 1834, when it officially became "Toronto", but its underlying foundations are much more established. In the mid1600s, a Frenchman named Etienne Brûlé was sent into the not-yet-Canadian wild by the renowned traveller Samuel de Champlain to see what he could find. He found the waterway and portage courses from St. Lawrence to Lake Huron, and possibly Lakes Prevalent and Michigan, and in the end, Lake Ontario. The local Huron people groups had known this region between the Humber and Don rivers for a long time, and had long referred to it as "Toronto," which they believed to mean "meeting place." A clamouring town called Teiaiagon grew up here, which turned into the site of a French trading center. After the English won the Seven Years' Conflict, the trading center was renamed York in 1793. Over 40 years after, the city again took the name Toronto. Following a fruitless American attack in 1812, a few destroying fires, and disobedience in 1837, there was a slow-paced yet consistent expansion in the number of inhabitants in white Old English Saxon Protestants driving into the twentieth hundred years. Since The Second Great War, Toronto has drawn in people from everywhere. In contrast to the American "blend," Toronto is a "tossed salad" of different ethnic gatherings. Tuh-ronno’ is known for its bustling streets, its waterfront skyline, its worldfamous sports teams, and competitive universities.

Page 7 BACK IN TIME IN 1997 Canadian lawyer and politician, Jean Chrétien was the 20th prime minister of Canada. Plaid flannel shirts, sweatpants, ripped jeans, denim overalls, scrunchies, bucket hats, rollerblades, and the "Rachel" haircut were the fashion trends in 1997. Average income was $49,000 per year. Canadian population was just 29.90 million while the world population was 5.87 billion. Buying a new house used to cost $152,000 and buying a new car costed $21,550. Cult classics like Titanic, Men in Black, The Lost World: Jurassic Park, Air Force One, Batman & Robin, Tomorrow Never Dies, As Good As It Gets had hit the screens. Famous 90's Canadian slang was: Talk to the Hand - Da Bomb - Really cool Aiite - All right/ okay Dope - Something great IMAGES COURTESY: URBANTORONTO.CA History Living in Toronto 6

Page 8 TORONTO HAS OVER 800,000 BUSINESSES

Page 9 INTERESTING FACTS ABOUT TORONTO Toronto is the 4th largest city in North America and the largest city in Canada. The city of Toronto is home to people from over 200 different ethnic backgrounds. The Toronto Islands weren’t always islands; they were once a peninsula. Toronto has North America’s only castle Casa Loma in Midtown. In the Western Hemisphere, the largest free-standing structure - CN Tower is situated in Toronto. Toronto has more than 8,000 restaurants. Toronto has over 10 million trees. Toronto is the only city in Canada with seven major-league sports teams Basketball, football, hockey, baseball, rugby, soccer and lacrosse. One of the largest zoo in the world and in Canada and - The Toronto Zoo is also present here. Yonge Street is part of the longest streets in the world. There are over 1200 retail stores in the PATH, which is the largest underground shopping complex in the world. Caribana is Toronto’s most famous tradition, North America’s largest street festival. It is the largest single-day parade in North America. Interesting facts Living in Toronto 8

Page 10 TORONTO RANKS Most livable cities in the World in 2022. Top 10 Digital Cities Index in 2022. Ranks 2nd safest Cities Index by Economist Intelligence Unit 2021. Ranked 2nd out of 60 cities for World's best cities in 2021. Ranked 18th out of 100 best business cities for working women by Bloomberg Businessweek 2021. No. 1 city in the World for Readiness to embrace a sustainable future in 2021. 7th among 54 cities 100 World Best Cities. Toronto ranks 13th Global Cities Index. Ranks 19th Global Cities Outlook. 2nd place startup ecosystem strength. Ranks 98th Global Financial Centres Index. Ranks 29th out of 114 global financial centres. The Global Green Finance Index - ranks 27th out of 74.

Page 11 DID YOU KNOW? Toronto is ranked as the best city in Canada and one of the best in the world. Ranks Living in Toronto 10

Page 12 POPULATION DENSITY 4,149.5/SQ KM DEMOGRAPHICS THE METRO AREA OF THE CITY SPRAWLS OUTWARD TO 5,905.71 /SQ KM The population is the sum of births plus in-migration, which signifies the total market size possible in the area. This is essential for economic developers to measure their financial health and investment attraction. Businesses also use this as a metric for market size when evaluating startup, expansion or relocation decisions. AGES The age chart illustrates the age and gender trends across all age and gender groupings. A chart with the covered area primarily on the right describes a very young population. In contrast, a chart with the covered area mainly on the left illustrates an aging population.

Page 13 TORONTO POPULATION 3 MILLION+ Demographics Living in Toronto 12

Page 14 DIVERSITY White: 50.2% East Asian: 12.7% South Asian: 12.3% Black: 8.5% Southeast Asian: 7.0% (5.1% Filipino) Latin American: 2.8% West Asian: 2.0% Arab: 1.1% Aborginal: 0.7% Two or more races: 1.5% Other race: 1.3% According to a recent ranking by The Cultural Trip, Toronto is the most multicultural in the contemporary world, based on data from BBC. A glance at the demographics of the city tells us why. More than 51 percent of the locals are not born in Toronto. Meanwhile, 10 percent of these locals are Chinese-born, and one person in every 50 locals belongs to Korea.

Page 15 RELIGION CHRISTANITY 54.1% ISLAM (8%) HINDUISM (5.6%) JUDAISM (4%) BUDDHISM (3%) ALMOST A QUARTER OF THE CITY'S POPULATION HAS NO RELIGIOUS AFFILIATION. SPOKEN LANGUAGE 10. RUSSIAN 9. PERSIAN (FARSI) 8. PORTUGUESE 7. ITALIAN 6. TAGALOG 5. SPANISH 4. HINDI/URDU 3 & 2. CHINESE (MANDARIN AND CANTONESE) 1. ENGLISH Demographics Living in Toronto 14

Page 16 TORONTO CULTURE Toronto is perhaps the most multicultural city on the planet. Half of the residents in the city are from outside of Canada, and foreigners come from a wide assortment of nations. This gives Toronto such a powerful character, being addressed by various world societies. MORE THAN 50% OF THE CITY’S POPULATION IS FOREIGN-BORN Many individuals have referred to Toronto as "the World inside a City" due to its multiculturalism. Toronto offers a wonder of multiple food sources, film, workmanship, and dialects across the city. Neighbourhoods like Greektown, Chinatown, and Little India are known for their ethnic stores and eateries and are an excellent method for investigating Toronto from their perspective. Toronto is home to numerous unique and uncommon bookshops, as shown on the Shopping page.

Page 17 Toronto is Canada’s leading production centre for film and television, the third largest in North America Demographics Living in Toronto 16

Page 18 Toronto's Cultural Diversity Bloor St. KOREATOWN Eglinton West. LITTLE ITALY LITTLE JAMAICA Palmerston Av. Spadina Avenue LITTLE PORTUGAL CHINATOWN

Page 19 Danforth Avenue GREEKTOWN Gerrard St. LITTLE INDIA Toronto's Little India started in 1972 when businessman Gian Naaz rented (and later purchased) the Eastwood Theatre on Gerrard Street, which he named the Naaz Theatre, and began to screen Bollywood and Pakistani films, reputedly the first cinema in North America to exclusively screen South Asian films. Demographics Living in Toronto 20

Page 20 SAFETY INDEX According to the Economist Intelligence Unit’s Safe Cities Index in 2021, Toronto ranks second only to Copenhagen out of a list of 60 international cities. POLICE STATIONS The Toronto Police Service (TPS) is the police service for Toronto. The TPS has approximately 7,600 full-time and part-time uniform and civilian members, including front-line police officers, criminal investigators, community response officers, parking enforcement officers, communications operators, court officers, civilian specialists and support staff. Working in partnership with communities, the TPS keeps Toronto safe through: Community-based crime prevention initiatives. Enforcement for all applicable laws in Toronto, including Provincial Offences, the Highway Traffic Act and City bylaws. We are maintaining public order to ensure safe and secure communities. We are providing emergency responses to significant threats and public safety risks. FREEDOM OF SPEECH As a Canadian, you have the right to freedom of expression under Section 2 (b) of the Canadian Charter of Rights and Freedoms. According to this provision, everyone has the following fundamental freedoms: Freedom of thought, belief, opinion and expression, including freedom of the press and other media of communication. ADDRESS: TORONTO POLICE HEADQUARTERS 40 College St, Toronto, ON M5G 2J3, Canada Phone: 416-808-2222

Page 21 In 2017, the ranking of 60 cities by The Economist ranked Toronto as the 24th safest major city in the world, behind Tokyo, London, Paris, and Seoul, but one of the safest major cities in North America. Lifestyle Living in Toronto 22

Page 22 TOP NEIGHBOURHOODS EAST YORK, NORTH YORK, ETOBICOKE & SCARBOROUGH. This is not it, there are many other neighborhoods that you can enjoy in Toronto. Every neighborhood offers something different and unique. Make sure that you’ve visited all of these to ensure entertainment, fun and peace!

Page 23 EAST YORK NORTH YORK ETOBICOKE SCARBOROUGH Lifestyle Living in Toronto 24

Page 24 7 REASONS WHY YOU SHOULD MOVE TO TORONTO RIGHT NOW

Page 25 1 2 3 4 Toronto isn't just an industrialized city; it has mixed residential and urban lifestyles. As an immigrant, one can enjoy the best of both worlds, restaurants, bars, parks, gardens, fashion outlets, housing, businesses, hospitals etc. When you set foot in Toronto, you'll discover that multiculturalism is an inherent part of the cultural fabric. Toronto is very welcoming to people from all parts of the world. Since Toronto has over 250 ethnicities and 170 languages, it's no wonder one can find the city very comfortable to settle in. From food to lifestyle, you'll find everything here. As an immigrant, many people are worried about travelling, staying in, security, etc. But you'll be surprised to know that Toronto is one of the safer cities in the world. Even though it's a big city, Toronto's crime rates are pretty low compared to other major cities. In 2021 it was ranked the 2nd most safe city in the world, and in 2022 the crime index was only 41%. So there goes the imminent worry about being safe in a huge city. The first thing an immigrant needs before moving to any city is employment. Having a secure source of income is very important. As everyone knows, there are abundant job opportunities in Canada, so finding or switching jobs here is more accessible. You'll find many headquarters, divisions, and legal and administrative structures here. The GDP of Toronto is also vital so that one can find a decent job. 5 6 7 Another attraction of Toronto is the entertainment. Every Torontonian here is a huge fan of entertainment, be it sports, cinema, food, or culture. World-renowned fashion shows, art galleries, and sports events are present here. Toronto hosts the annual Toronto International Film Festival, one of the biggest film festivals in the world. The healthcare sector in Toronto receives regular investments. The development of new educational institutes and the launch of various campaigns will also be on the radar. All of these initiatives improve the residents' lifestyles and health. What could be better than living in a city with excellent healthcare assistance nearby? It is said that the people make the city a city itself, which is very true when it comes to Toronto. It is well known that Torontonians are calm, friendly, and welcoming to those who have just moved here. You'll find people of all age groups thriving here like there are more young and hip crowds near Ryerson University and the University of Toronto. So it's almost impossible to be bored in Toronto; there's always something happening in the city that you can enjoy. Love it or Hate it but Toronto is one of the most dynamic and diverse cities in the world with amazing food options on every corner. Lifestyle Living in Toronto 26

Page 26 TORONTO IS A GOLD MINE FOR SHOPPERS In terms of aesthetics and feel, Toronto is similar to New York and it's Canada's most prominent fashion centre. You'll find different styles available here, from runway fashion to street style, all at affordable prices too. The diversity of Toronto really brings out the colours and styles of different cultures right in one place where it's easy to shop. Just remember the weather in Toronto and the sales tax, which is 13% in Ontario. Toronto Eaton Centre, Bloor-Yorkville, Kensington Market, Chinatown, Yonge Street, The PATH, and St. Lawrence Market are a few famous locations in Toronto where you can shop as much as you want at reasonable prices.

Page 27 In 2020, when many stores were closed because of the pandemic, 82% of Canadians shopped online, spending a total of $84.4 billion. 76% purchased physical goods (things like clothing or furniture), 68% bought digital goods or services (applications or games for your phone), 9% spent money on peer-to-peer accommodation services (for example, Airbnb or Vrbo), and 49% bought other services Lifestyle Living in Toronto 28

Page 28 FAIRVIEW MALL SHOPPING TORONTO IS RANKED AS THE BEST CITIES IN THE WORLD TO SHOP 'TIL YOU DROP. 8TH

Page 29 319 EATON CENTRE SHOPPING LOCATIONS 240 FASHION SHOPS WITHIN ONE MILE 61 SHOPPING MALLS WITHIN ONE MILE 57 BOUTIQUE STORES WITHIN ONE MILE YORKDALE MALL Lifestyle Living in Toronto 30

Page 30 Frequently Shopped brands in Toronto In Toronto, grocery shopping is part of our weekly life, and pretty much all neighbourhoods have their own grocery stores. Almost all of these stores put out promos every week, and most families go out shopping weekly for groceries.

Page 31 20 Cost-Saving Tips While Grocery Shopping 1. Plan a menu so you'll have a grocery list and stick to buying only what you need. 2. Buy only the amount that you require to save more money. 3. See what items are on sale in grocery store flyers, newspapers, and online ads. 4. Make sure to use your coupons wisely and before their expiry date. 5. Shop at grocery stores or supermarkets to get more variety and lower prices. 6. If you're planning to buy in bulk, it's better to carry a calculator with you, just in case. 7. Stock up long-life shelf products when they are on sale, but only if you have space to store them at home. 8. Note down the prices of food items you often buy, so you'll know when these items are on sale and in which stores and then purchase those products. 9. Compare the price per unit for similar items and find which one is more affordable. 10. You may be more tempted to buy unhealthy choices and foods you don't need when you're hungry. So avoid hungry shopping! 11. Avoid junk food aisles and shop directly from where the healthy foods are located by remembering the supermarket's layout. 12. Buy seasonal food, and you'll have enough time to eat everything you buy. 13. Avoid wastage of food by storing your food correctly. 14. Buy frozen or canned food if the fruits or veggies are out of season. 15. Try no-name or store-brand products instead of trying overpriced fancy-packed items. 16. Look for high and low shelves, not in the middle, as expensive items are displayed where they are easy to see and reach. 17. Look at the expiry dates and "best before dates" to avoid wasting food. 18. Buy from the "reduced" section, where vegetables can be used in soups, stews, and fruits for muffins, cakes, and smoothies. 19. Making your own meals is less expensive than buying ready-to-eat, prepared meals. 20. One of the healthiest and cheaper ways to get food is by growing your own. Like tomatoes, lettuce and cucumber can be cultivated quickly. Lifestyle Living in Toronto 32

Page 32 GAMES & EVENTS INTERNATIONAL FILM FESTIVAL, NBA, NHL, AWARD CEREMONIES, PRIDE PARADE

Page 33 FALL The Toronto Food and Film Festival WINTER Toronto Oktoberfest Toronto International Boat Show Word on the Street Festival The Toronto Light Festival Cavalcade of Lights SPRING SUMMER Canadian Music Week Beaches International Jazz Festival Hot Docs International The Rogers Cup Documentary Film Festival Toronto Caribbean Carnival Inside Out Film Festival Toronto International Film Festival Scotiabank Photography Toronto Jazz Festival Festival Toronto Pride Lifestyle Living in Toronto 34

Page 34 Top Sports Teams James Naismith, an Ontario born physical educator invented the game of basketball in 1891

Page 35 Lifestyle Living in Toronto 36

Page 36 CYCLING Common Sports CANADIAN FOOTBALL ICE HOCKEY

Page 37 BASEBALL BASKETBALL GYMNASTICS Lacrosse has Canadian roots. Indigenous peoples played lacrosse across Canada more than 500 years ago. Lifestyle Living in Toronto 40

Page 38 City of Four FALL 1.9 °C TO 6.9 °C 20°C TO 35°C SUMMER 25°C TO 28°C CHERRY BLOSSOM

Page 39 Seasons 0°C AND -30°C WINTER Lifestyle Living in Toronto 42

Page 40 HOW TO STAY WARM IN TORONTO? Winters in Toronto can be pretty extended and harsh. If you survive the Canadian cold, I'm sure you'll face winters anywhere in the world very quickly. Snowfall is unpredictable here, so it is important to dress and carry stuff with you to be ready anytime. Here's how you can layer your clothes to fight off the chilly weather: The base layer: You need to buy some warm innerwear for your first layer. Base layers trap body heat and assist you with staying warm. Avoid wearing jeans as the primary layer in a chilly climate; all things considered, purchase a couple of warm stockings for the base layer. Pick materials like silk, lycra, polyester, and nylon, as they repulse dampness and assist with keeping the body warm. Cotton isn't prescribed as it will, in general, retain sweat, which will cause you to feel cold. Third/external layer: This depends on the external temperature and shields you from rain, snow, and wind. During fall, you may require a leather, light coat, or denim coat, while during winter, you might need to wear a weighty-out jacket or winter coat.

Page 41 Second or center layer: The following dress layer can be your customary garments, woollen wear, or a mix of both, based on the external temperature. In a very chilly climate, this will be your protective layer. Wool, downy, or fleece are great protectors as they trap heat. Add however many second layers as you'd like- shirts, pullovers, hoodies, sweaters, vests, or puff coats - to stay comfortably warm. Accessories to keep you warm: Covering your body from head to toe is very important when you step outside in the cold to avoid getting hypothermia and frostbite. Here are some regular fall/winter clothing accessories: For hands: Mittens or gloves; For feet: Socks made from fleece or fleece mixed with polypropylene or silk; For neck: Scarf or neck warmers; For head and ears: Cap, hat, beanie, as well as ear covers; Covers and coats: Covers and coats are things you will wear consistently during fall and winter. So make sure to pick the comfortable ones and search for specific highlights like sleeves that can be fixed and a hood that fits over your cap. Having a hood is essential to shield yourself from wind chills. Fur coating can be helpful as well. Nowadays, many winter coats come with temperature evaluations, yet it's better to only depend partially on those appraisals as they can be vague or fake. Great quality coats will quite often be costly. However, it's advantageous to regard it as a venture as you will involve in the coats for a long time. Feel accessible to the deals partner for direction. Footwear: Strolling on snow and ice can be exciting and tricky. Walkways and streets might get frosty during winter. That is the reason having a couple of good winter boots that are warm, slipsafe, and waterproof is essential. Remember that moist socks can give you frostbite, so consistently carry an additional pair. Throughout the fall season, standard ankle-length boots matched with socks might get the job done to keep you warm. Except if you have warm floors in your home, the deck can get freezing during winter. Since Canadians leave their shoes outside, a couple of indoor shoes or utilizing thick socks will assist you with remaining warm. Lifestyle Living in Toronto 44

Page 42 Top Arenas On February 2, 2005, Ted Rogers, President and CEO of Rogers Communications, announced a three-year corporate contract to change the name of SkyDome to Rogers Centre. ROGERS CENTRE BMO SOCCER FEILD SCOTIA BANK ARENA

Page 43 JURASSIC PARK NATHAN PHILIPS SQUARE METRO CONVENTION CENTRE Lifestyle Living in Toronto 46

Page 44 TRAILS & WATERFRONT Sunnyside Amusement Park, an amusement park was the most famous Toronto attraction that operated along Toronto's waterfront until 1955.

Page 45 ROUGE NATIONAL URBAN PARK CROTHERS WOODS HIGH PARK TORONTO ISLANDS LOWER DON TRAIL LESLIE STREET SPIT Lifestyle Living in Toronto 48

Page 46 City VS Suburbs Price points are, in many cases, lower in the suburbs for condos, apartments, and single-family homes. In the suburbs, you can presumably get more square foot area for your dollar. The most significant con of suburbs is the extreme everyday drive. Developers have attached many networks in a portion of the significant Canadian urban communities without genuinely thinking about whether the existing framework can uphold the additional traffic. The greatest con of living in a huge city is most likely cost. Space is priced higher than normal in the inner city, and you'll need to pay more per square foot. You will get less value for your money than those living in a suburb. Short drives are one more draw for the individuals who live near downtown. With an apartment in the inner city, you will presumably have fast admittance to a short travel ride, or you could try and have the option to walk or bicycle to work. At the point when you live near work, you save hours every week that would somehow be spent on a long and challenging drive.

Page 47 The way of life probably won't be the most appropriate for young families. Depending upon where you reside in the vast city, there probably won't be nearby parks for young ones to play in or convenient supermarkets to jump into for a portion of bread. Likewise, on the grounds that you will presumably live close to eateries and nightlife, you could find inner city streets too loud for little ones. Numerous suburbs incorporate a community centre, clubhouse, or even private lake for family outdoor activities. These conveniences are especially appealing to both young couples considering having youngsters and mature families the same. On Jan. 1, 1998, Toronto's amalgamation took effect, merging the six previous municipalities that made up Metro Toronto, Etobicoke, Scarborough, York, East York, North York, and the City of Toronto, into a new singular City of Toronto. Lifestyle Living in Toronto 50

Page 48 POPULAR FOODS & TOP RESTAURANTS Numerous world cuisines are available throughout the city, including Portuguese, Hungarian, Japanese, and Caribbean. Hawaiian Pizza is actually invented by a Greek immigrant called Sam Panopoulos in Ontario.

Page 49 POUTINE FISH & CHIPS TOURTIÈRE CAESAR COCKTAIL SUSHIPIZZA PORK RIBS STEAK Lifestyle Living in Toronto 52

Page 50 Fine Dining CANOE RANKED 2022 CANADA’S 100 BEST RESTAURANTS LIST ALO EDULIS CANOE SUSHI MASAKI SAITO OSTERIA GIULIA (NEW) DREYFUS SHOUSHIN GIULIETTA BERNHARDTS (NEW) DON ALFONSO POMPETTE (NEW) MIMI CHINESE (NEW) SCARAMOUCHE SUSHI MASAKI SAITO

Page 51 The Canadians invented Poutine, Peameal Bacon Sandwiches, Caesar cocktails, and Butter tarts. ALO DON ALFONSO Lifestyle Living in Toronto 54

Page 52 To travel is to TORONTO ISLANDS INSTRAGRAM SPOTS In Toronto 1. The Distillery District RIPLEY'S AQUARIUM 2. Angel Wings at Calii Love 3. “Hustle” Mural 4. EATON CENTRE PEDESTRIAN BRIDGE 5. VOG VAULT 6. "THIS IS PARADISE" WALL 7. GOODERHAM BUILDING 8. SUGAR BEACH 9. HUMBER BAY ARCH BRIDGE 10. EVERGREEN BRICK WORKS PINK PARK TORONTO ISLANDS

Page 53 live! R.C. HARRIS WATER TREATMENT PLANT NATHAN PHILLIPS SQUARE Lifestyle Living in Toronto 56

Page 54 ENTERTAINMENT Toronto hosts at least 30 festivals yearly.

Page 55 TOP CLUBS TOYBOX CLUB REBEL CLUB BESHARAM TOP CASINOS CASINO WOODBINE CASINO RAMA RESORT Entertainment Living in Toronto 60

Page 56 EVENTS There are tons of events that take place in Toronto all year round, and Toronto is a hotspot for cultural and exciting activities. New events are coming up every month. Here are some annual events you can check out Major League Baseball Pride Week Winterlicious Summerlicious

Page 57 Photography Exhibition Royal Ontario Museum Movie Nights Celebration Square Mississauga Stop Night Market Toronto Street Festival

Page 58 THINGS TO DO AFRICAN LION SAFARI R.R.1. STN. GALT CAMBRIDGE, ONTARIO 519.623.2620 1-800-461-9453 www.lionsafari.com WILD WATER KINGDOM 7855 FINCH AVE., WEST, BRAMPTON, ON 416.369.9453 www.wildwaterkingdom.com MARINELAND CANADA NIAGARA FALLS, ONTARIO 905.356.2142 www.marinelandcanada.com CANADA'S WONDERLAND 9580 JANE STREET, VAUGHAN, ONTARIO 905.832.7000 www.canadaswonderland.com TORONTO ZOO 361A OLD FINCH ROAD, TORONTO, ON 416.392.5929 www.torontozoo.com WASAGA BEACH 705.429.5533 www.wasaga.com SAUBLE BEACH TOURISM OFFICE - 519.422.1262 www.saublebeach.com

Page 59 ROYAL BOTANNICAL GARDENS 680 PLAINS RD. W. HAMILTON, ON 905.825.5040 www.rbg.ca HIGH PARK TORONTO, ONTARIO www.highparktoronto.com HOCKEY HALL OF FAME 30 YONGE STREET, TORONTO, ON 416.360.7765 www.hhof.com BRONTE CREEK PROVINCIAL PARK 1219 BURLOAK DRIVE, OAKVILLE, ON 905.827.6911 www.brontecreek.org ALGONQUIN PARK 705.633.5572 www.algonquinpark.on.ca SCIENCE NORTH 100 RAMSAY LAKE RD., SUDBURY, ON 705.522.3701 www.sciencenorth.ca CN TOWER 301 FRONT STREET WEST, TORONTO, ON 416.868.6937 www.cntower.ca DUNDURN CASTLE 610 YORK BLVD., HAMILTON, ON 905.546.2872 ONTARIO SCIENCE CENTRE 770 DON MILLS ROAD, TORONTO, ON 416.696.1000 www.ontariosciencecentre.ca ROYAL ONTARIO MUSEUM 100 QUEEN'S PARK CRESCENT TORONTO, ONTARIO 416.586.8000 rom.on.ca

Page 60 LAKES IN TORONTO LAKE ERIE LAKE OF THE WOODS LAKE HURON LAKE SIMCOE

Page 61 Most of the largest lakes in the world are in Canada. LAKE ONTARIO

Page 62 Activitie THE ELGIN & WINTER GARDEN THEATRE HIGH PARK “A lot of people don’t know this, but Toronto is probably the most multicultural city in North America.”, Stephen Amell

Page 63 es to do THE ROYAL ONTARIO MUSEUM NIAGARA FALLS LITTLE INDIA Entertainmen t Living in Toronto 68

Page 64 TORONTO TRANSIT COMMISSION 13,000 EMPLOYEES 75 SUBWAY STATIONS 12,700,000 AIRPORT PASSENGER 1,665 204 BUSES STREETCARS 706 214 RAPID TRANSIT CARS WHEELTRANS BUSES

Page 65 LISTS OF TOTAL TORONTO SUBWAY STATIONS Vaughan Metropolitan Centre Highway 407 Pioneer Village York University Sheppard-Yonge Sheppard West Don Mills n io ar ss Be York Mills Wilson M id la Sc nd ar Ce bo nt ro re ug h North York Centre Le sl ie Ba yv ie w Finch Finch West Downsview Park Ellesmere McCowan Yorkdale Lawrence St. Clair West Ch ris tie D uff er in W es t Pa rk D un da s H ig h Bathurst Museum BloorYonge Bay Wellesley Queen's Park College St. Patrick Dundas Osgoode Queen St. Andrew King Union l el xw Co Ja ne Spadina Warden s nd la on D Yo rk St. George r te es Ch Ro ya l on gt in ss O ne w do ns La e el Ke e ed ym nn Ru ill M ld O on gt lin Is Kipling Dupont Kennedy G re en w oo d W oo db in e Eglinton West Lawrence East Pa pe Glencairn E Ro Su St D . C av gli se m n is Sh la da m vi ton er le erh ir lle b ill Ca our n st le e Fr Br oa an dv k ie w Lawrence West Victoria Park Main Street Toronto Subway (2018) Line 1 Yonge-University Line 2 Bloor-Danforth Line 3 Scarborough (RT) Line 4 Sheppard station interchange VIA Rail GO Train THE LARGEST PUBLIC TRANSIT SYSTEM IN CANADA AND THE THIRD-LARGEST IN NORTH AMERICA. 1.7 MILLION DAILY COMMUTERS 31 BILLION CUSTOMERS CARRIED

Page 66 Canada US winter train trip was ranked among the best in North America. ARRIVE IN MISSISSAUGA 35 Mins ARRIVE IN PICKERING 28 Mins 13M ABOUT GO TRANSIT Go TransitTransit is the public transit system serving the people of Toronto. GO Transit connects major neighbourhoods in 11,000 square kilometres of area. It is one of the widely used public transportation by Torontonians. GO Transit operates double-decker trains and coach buses powered by diesel engines in its service area. It connects with local and some long-distance intercity transit services. PASSENGERS PER YEAR 979 PASSENGER COACHES 96 LOCOMOTI

Page 67 TRANSIT GO Train and Via Rail services provide excellent service all over Toronto. If you want to save time and avoid Toronto’s traffic, then rail is the fastest way to get around the city. IVES 752 BUSES

Page 68 Canada's Via Rail, or Via, is a Crown corporation that provides intercity passenger rail service. There are more than 500 trains per week operated by Via Rail across eight Canadian provinces, and the company owns and operates 12,500 kilometres (7,800 miles) of the track. VIA Rail and GO Transit have teamed up to provide greater convenience and efficiency, so you can now travel seamlessly between the two services. 2,825 TOTAL EMPLOYEES 227 MILLION OVERALL RIDESHIP THEIR MOST TRAVELED ROUTE WAS MONTRÉALOTTAWA-TORONTO, ACCOUNTING FOR OVER 578,000 PASSENGERS

Page 70 TAXI/RIDE SHARING & FOOD DELIVERY Four thousand eight hundred forty-nine licensed taxicabs are in the City of Toronto. It is estimated that more than 60,000 trips are taken by cabs every day & there are roughly 90,000 Uber and Lyft drivers are active in Toronto. THE 5 BEST MOVING COMPANIES IN TORONTO

Page 72 CONNECTIVITY 400 401 404 409 427 QEW HIGHWAYS 320K AVERAGE DAILY TRAFFIC 14.6 MILLION TRUCKS PER YEAR 2ND HEAVIEST TRAVELLED ROAD North America

Page 73 AIPORTS YYZ TORONTO PEARSON INTERNATIONAL AIRPORT 2 AIRPORTS YTZ 200 AIRPORT SERVING Global Destinations BILLY BISHOP

Page 74 TOP HOSPITALS The top 4 of Canada's Best Hospitals in 2021 are from Toronto #1 TORONTO GENERAL UNIVERSITY HEALTH NETWORK #4 #3 NORTH YORK GENERAL HOSPITAL MOUNT SINAI HOSPITAL

Page 75 #2 SUNNYBROOK HEALTH SCIENCES CENTRE Toronto is home to some of the world's most leading edge hospitals providing free health care subsidized bu Ontario Health Insurance Plan (OHIP) SICK KIDS Govt.

Page 76 ONTARIO HEALTH INSURANCE PLAN In 2018, the Ontario Health Insurance Plan declared another program to help people battling food addiction. Physician recommended drug OHIP doesn't cover physician-prescribed drugs outside of hospitals or dental care. However, the Ontario Drug Benefit program pays for physician-prescribed medications for seniors covered by OHIP. The Trillium Drug Program covers families with high prescription drug costs. Starting around 1 January 2018, prescription drugs for those under 25 years old are covered by OHIP through OHIP+. From 1 April 2019, the Ontario government has stopped offering free solutions to children and young adults with private coverage. Physiotherapy OHIP coverage for physiotherapy was limited to those 65 years old and over, those 19 years old and under, occupants of long-term care homes (regardless of age), people who had been hospitalized (regardless of age) and people on the Ontario Disability Support Program, Family Advantages and Ontario Works (regardless of age). Optometry (eye-health services) OHIP covers the cost of one major eye exam (for vision and general eye health) every 12 months, in addition to any minor evaluations you want, provided that you are 19 years and younger or 65 years and older. Suppose you are 20 to 64 years of age and have a particular ailment affecting your eyes that requires regular monitoring. In that case, OHIP will cover a significant eye exam for you once every 12 months and any follow-up appointments related to the condition.

Page 77 Dental consideration for low-pay seniors It gives free, routine dental services for lowincome seniors who are 65 years old or more, with the income requirements of an annual net income of $22,200 or less for a single senior or a combined annual net income of $37,100 or less for a couple (for the year 2022). OHIP Out of Country Travel Insurance OHIP will possibly cover a minimal amount of the costs expenses if you receive emergency health services while you're travelling outside Canada, including the following OOC emergency services: doctor services (e.g. medical assessments, emergency surgery), emergency outpatient services (e.g. MRIs, CT scans), emergency inpatient services (e.g. hospital stays, nursing services). ELIGIBILITY To be qualified for coverage under OHIP, an individual must typically be a Canadian resident or permanent resident or a holder of a work permit as set out in Ontario's Health Insurance Act, should have a permanent home in Ontario, and should be genuinely present in Ontario 153 days in any year time frame. Canadian residents or permanent residents returning to Canada from another nation are not generally covered by OHIP until they have been residents in Ontario for three months. In 2009, applicants for permanent residence from within Canada were added to the plan, following the "Approval In Principle" (AIP) stage. Candidates from outside Canada continue to be ineligible for OHIP until they have completed the arrival process and have become permanent residents when the standard three-month waiting period starts. It is recommended to obtain private health insurance to cover the waiting period. For Canadian citizens or permanent residents moving to Ontario from another territory, the region of the previous residency keeps covering them during the three-month waiting period. WAITING PERIOD Transfer from another province, territory, or country: the waiting period used to be three months, but as of March 19, 2020, that has been temporarily removed because of the COVID pandemic. Govt. Services Living in Toronto 82

Page 78 CHILD CARE OPTIONS IN CANADA "OUAC" is the abbreviation for the Ontario Universities Application Center. The OUAC a unified processing home place daycares, for applications In Canada, childcare optionsisrange from babysitters, daycarefor centers, undergrad admission to the colleges of Ontario. The OUAC, which is also preschool programs, and before and after school services. Childcare services are situated in Guelph, Ontario, accepts your application, processes it, and regulated or unregulated. moves data to theincorporate colleges youcenter-based have chosen.full-day child care, school-aged Regulated childthe care services child care, home child care, and in most provinces, preschools and nursery schools. These are licensed, monitored, and regulated by provincial and territorial authorities. Unregulated child care services are given either in a family child care home or the child’s home. If utilizing this help, as a parent, it is your responsibility to survey the nature of child care provided, find a new provider if there are any issues, and manage the relationship with the provider. PLANNING AND BUDGETING FOR CHILDCARE EXPENSES Finding affordable child care in Canada can be challenging because of limited availability. Monitoring the expenses and arranging your funds appropriately is essential to settle in smoothly. Infant: Children under two years of age. Toddler: Children between 18 months to 3 years of age. Preschool-age: Children between 2-and-a-half years to age 4 or 5 (kindergarten age).

Page 79 IS CHILD CARE FREE IN CANADA? Child care can be expensive in Canada, depending on the province. Some provinces, such as Quebec and Manitoba, have provincially-set fees and are therefore more affordable than others. HOW MUCH ARE CHILD CARE COST IN CANADA? Monthly costs for child care range from $181 to CAD 1,986, depending on the province. Day Care & Child Care Options The City supports quality programs that promote healthy lifestyles for all children. Over 1,000 centres and 19 home childcare agencies are in Toronto’s licensed childcare system. The system provides early learning and cares for children til; the age of 12. TOP 5 CHILD CARE PROGRAMS IN TORONTO Galloway Early Learning & Child Care Centre McNicoll Avenue Child Care Program Vincent Massey Day Care & Nursery School Downtown Montessori At Concord City Place Metro Hall Early Learning & Child Care Centre TOTAL COST TO RAISE A CHILD UNTIL THE AGE OF 18 IN 2022 $281,880 Govt. Services Living in Toronto 84

Page 80 SIN CARD, HEALTH CARD AND PR CARD PERMANENT RESIDENT CARDThis card confirms your residency in Canada. Receiving your Permanent Resident card when you arrive in Canada, you'll need to give your address where your Permanent Resident card is to be sent. If you don't have an address, CIC's site will guide you on getting your card. Call 1-888-242-2100 (toll-free) if you don't get your Permanent Resident card within 30 days of being in Canada. You should note that if you don't receive your card in any less than 180 days from entering the country, you'll need to reapply and pay a fee. Ensure you take care of this card before others in your first month in Canada. SOCIAL INSURANCE NUMBER (SIN) CARDThe following documentation you will need to get is a Social Insurance Number (SIN) card. SIN is a 9-digit number, it's wise to remember when you get your card. You will need a SIN card to work lawfully in Canada. To get a SIN card application, visit the closest centre or contact CIC at 1888-242-2100. Your nearby settlement office or post office can supply you with a SIN card application form. At last, you can also download the form online from servicecanada.gc.ca. You should fill it in and submit it online. HR Canada will send you your SIN card via mail. Note that there is a processing charge for requesting a SIN card.

Page 81 HEALTH INSURANCE CARD Another necessary type of documentation that you will need to secure in your first month is a health card. Every province has a health insurance card, so you must apply via your provincial ministry of health office. Every family member will require their health card, including small children and newborn babies. To apply, show your Confirmation of Permanent Residence, birth certificate or passport. Before applying, verify documentation of your province's expectations and ensure you have it on hand when using. There are numerous choices accessible to you. There are multiple choices accessible to you. Also note that in the provinces of Ontario, Quebec, English Columbia and New Brunswick, you should sit tight for 90 days before applying for a health insurance card. If settling in one of these provinces, you are having private healthcare insurance in the interim is highly advisable. Examine this with a settlement agency representative or contact your provincial ministry of health office for advice on the best insurance company options to meet your needs. You can also go to any doctor's office, walk-in clinic, pharmacy or hospital to obtain a form. It's advisable that you connect with a settlement agency representative to assist you with finishing up the form if you are unclear on any element of it, as this is an essential document. Govt. Services Living Toronto in 86

Page 82 Branch of Provisional Government Here are some of the top online services, renew: Your licence plate Your driver’s licence An accessible parking permit An Ontario Photo Card Your health card At ServiceOntario, you can get your driver’s licence, licence plate, plate stickers, health cards, birth certificates, and register a birth.

Page 83 Branch of Federal Government Here are some of the services offered by Service Canada: Passport Employment Insurance (EI) Canada Pension Plan (CPP) Canada Pension Plan Disability (CPP-D) Old Age Security (OAS) Service Canada provides Canadians with a single point of access to a wide range of government services and benefits. Govt. Services Living Toronto in 88

Page 84 BEST SCHOOLS Your child deserves a bright future, and schools are the foundation of that future. Choosing the best school for your child is one of the most critical decisions. Toronto is well known for its top-quality universities, but many schools here are rated highly according to many institutes. Toronto has schools of different boards that focus on other core subjects. Below are mentioned a few top schools in Toronto. ST. MICHEAL’S CHOIR SCHOOL URSULA FRANKLIN ACADEMY LEASIDE HIGH SCHOOL EARL HAIG SECONDARY SCHOOL WILLIAM LYON MACKENZIE COLLEGIATE INSTITUTE

Page 85 TORONTO IS HOME TO FOUR PUBLICLY-FUNDED COMMUNITY COLLEGES CENTENNIAL COLLEGE In addition to offering full- and parttime programs at its four Toronto campuses, Centennial College has branches in China, India, South Korea, and Brazil. HUMBER COLLEGE The bachelor's degree, diploma, certificate, and postgraduate certificate programs offered at Humber emphasize hands-on, career-based learning. GEORGE BROWN COLLEGE George Brown College offers programs in applied arts and technology at three campuses, including degrees, diplomas, certificates, and apprenticeships. SENECA COLLEGE With campuses throughout the Greater Toronto Area, Seneca College offers opportunities for hands-on learning in programs related to applied arts, business, financial services and technology. Education Living Toronto in 90

Page 86 TOP UNIVERSITIES Academic Area - Engineering

Page 87 Academic Areas: Financial Analysis, Marketing, Economic Analysis, and Policy Analysis, etc. Academic Area: Medical, Engineering Education Living Toronto in 92

Page 88 TOP COLLEGE PROGRAMS PROGRAM CATEGORIES Centennial college Academic, Arts and Science Preparation Advanced Manufacturing and Systems Automation Advertising, Marketing and Public Relations Aerospace and Aviation Arts, Animation and Design Automotive and Motorcycle Biological, Environmental and Food Sciences Business Community and Child Services Emergency, Law and Court Services Food and Tourism Health and Wellness Heavy Duty, Truck and Coach Hospitality Management Information Technology, Networking and Software Engineering Media, Communications and Writing Sustainable Design and Renewable Energy George Brown college Arts, Design & IT Business Community Services and Early Childhood Construction & Engineering Technologies Health Sciences Hospitality & Culinary Arts Preparatory & Liberal Studies Humber College Applied Technology & Engineering Business, Accounting & Management Children & Youth Community & Social Services Creative Arts & Design Emergency Services Fashion & Beauty Foundations & Language Training Health & Wellness Hospitality & Tourism Information, Computer & Digital Technology International Development Justice & Legal Studies Marketing & Advertising Media & Public Relations Performing Arts & Music Skilled Trades & Apprenticeships

Page 89 TUITION FEES RANGE 550 to 30,000 CAD/YR University of Toronto entrepreneurs have secured more than $1.5 billion in investment and created more than 500 start-up companies over the past decade. Education Living Toronto in 94

Page 90 TOP UNIVERSITY PROGRAMS OCAD University Undergraduate Criticism & Curatorial Practice Criticism & Curatorial Practice Cross-Disciplinary Art: Life Studies Drawing & Painting Drawing & Painting Drawing & Painting: Digital Painting and Expanded Animation Experimental Animation First-Year Art (General) Integrated Media Integrated Media: Digital Painting and Expanded Animation Photography Printmaking and Publications Sculpture/Installation Creative Writing Digital Futures Indigenous Visual Culture Visual and Critical Studies Advertising Environmental Design Environmental Design: Interior Design Graphic Design Illustration Industrial Design Material Art & Design Graduate Design for Health (MDes) Digital Futures (MA, MFA, MDes) Interdisciplinary Master's in Art, Media and Design (MA, MFA & MDes) Inclusive Design (MDes) Strategic Foresight and Innovation (MDes) Contemporary Art, Design and New Media Art Histories (MA) Criticism and Curatorial Practice (MFA) Toronto Metropolitan University Undergraduate Programs Accounting & Finance (BComm) Aerospace Engineering (BEng) Architectural Science (BArchSc) Arts and Contemporary Studies (BA (Hons)) Biology (BSc (Hons)) Biomedical Engineering (BEng) Biomedical Sciences (BSc (Hons)) Business Management (BComm) Business Technology Management (BComm) Chemical Engineering Co-op (BEng) Chemistry (BSc (Hons)) Child and Youth Care (BA) Civil Engineering (BEng) Computer Engineering (BEng) Computer Science (BSc (Hons)) Creative Industries (BA) Criminology (BA (Hons)) Criminology and History (BA) Criminology and Politics and Governance (BA) Criminology and Sociology (BA) Disability Studies (BA) Early Childhood Studies (BA) Electrical Engineering (BEng) English (BA (Hons)) English and History (BA) English and Philosophy (BA) English Language Pathway Programs Environment and Urban Sustainability (BA (Hons)) Fashion (BDes) Financial Mathematics (BSc (Hons)) Geographic Analysis (BA (Hons)) Graphic Communications Management (BTech) Health Administration (BHA) History (BA (Hons)) History and Criminology (BA) History and English (BA) History and Philosophy (BA) History and Politics and Governance (BA) History and Sociology (BA) RTA School of Media: Media Production (BA) RTA School of Media: New Media (BFA)

Page 91 CRITICISM & CURATORIAL PRACTICE FINANCIAL & BUSINESS ECONOMICS ARCHITECTURE DESIGN FOR HEALTH ADVERTISING Hospitality and Tourism Management (BComm (Hons) Image Arts: Film Studies (BFA) Image Arts: Photography Studies (BFA) Industrial Engineering (BEng) Interior Design (BID) International Economics and Finance (BA) Journalism (BJourn) Juris Doctor (Lincoln Alexander School of Law) Language and Intercultural Relations (BA (Hons)) Mathematics and its Applications (BSc) Mechanical Engineering (BEng) Medical Physics (BSc (Hons)) Midwifery (BHSc) Nursing (BScN) > Four-Year Collaborative Program (TMU, Centennial, George Brown) Nursing (BScN) > Post Diploma Nutrition and Food (BASc) Occupational Health and Safety (BASc) Performance: Acting (BFA) Performance: Dance (BFA) Performance: Production (BFA) Philosophy (BA (Hons)) Philosophy and History (BA) Philosophy and English (BA) Politics and Governance (BA (Hons)) Politics and Governance and Criminology (BA) Politics and Governance and History (BA) Politics and Governance and Sociology (BA) Professional Communication (BA (Hons)) Professional Music (BFA (Hons)) Primary Health Care Nurse Practitioner Certificate (PHCNP) Psychology (BA) Public Administration and Governance (BA (Hons)) Public Health (BASc) RTA School of Media: Sport Media (BA) Social Work (BSW) Sociology (BA (Hons)) Sociology and Criminology (BA) Sociology and History (BA) Sociology and Politics and Governance (BA) Undeclared Arts (First Year Studies Only) Undeclared Engineering (First Semester Studies Only) Undeclared Science (First Year Studies Only) Urban and Regional Planning (BURPI Graduate programs Accounting (PMDip), opens in new window Aerospace Design Management (PMDip) Aerospace Engineering (MASc, MEng, PhD) Architecture (MArch) Biomedical Engineering (MASc, MEng, PhD) Biomedical Physics (MSc, PhD) see Physics (MSc, PhD) Building Science (MASc, MBSc, PhD) Chemical Engineering (MASc, MEng, PhD) Child and Youth Care (MA) Civil Engineering (MASc, MEng, PhD) Communication and Culture (MA, PhD) - (Joint program with York University) Computer Networks (MASc, MEng) Education Living Toronto in 96

Page 92 Computer Science (MSc, PhD) Scriptwriting and Story Design (MFA) Criminology and Social Justice (MA) Social Work (MSW) Data Science and Analytics (MSc) Spatial Analysis (MSA) Dietetics (PMDip) Urban Development (MPI) Digital Media (MDM) Urban Health (PhD) Documentary Media (MFA) Early Childhood Studies (MA) University of Toronto Economics (MA, PhD) The university offers over 700 International Economics and Finance undergraduate and 200 graduate (MA) programs across three campuses in Economics (PhD) the Greater Toronto Area. The Electrical and Computer Engineering programs covers fields like (MASc, MEng, PhD) Humanities & Social Sciences, Life Energy and Innovation (PMDip) Sciences, Physical & Mathematical Environmental Applied Science and Sciences, Commerce & Management, Management (MASc, PhD) Computer Science, Engineering, Fashion (MA) Film and Photography Preservation and Kinesiology & Physical Education, Music and Architecture. Collections Management (MA) Immigration and Settlement Studies (MA) York University Journalism (MJ) York university offers more than 5,000 Law (JD) (administered by Faculty of courses, some of these programs are: Law) Actuarial Science Literatures of Modernity (MA) African Studies Management (PhD) Anthropology Master of Business Administration Applied Mathematics (MBA), Ted Rogers Art History Master of Engineering Innovation and Bachelor of Education Entrepreneurship (MEIE) Bachelor of Education (French) Master of Health Administration Biochemistry (Community Care) (MHA(CC)) Biology Master of Science in Management Biology / Biologie (MScM) Biomedical Science Mathematics (MSc, PhD) Biophysics Applied Mathematics (MSc) Biotechnology Mathematical Modelling and Methods Business & Society (PhD) Business Administration Mechanical and Industrial Engineering Business Economics (MASc, MEng, PhD) Business Economics / Économie et Media and Design Innovation (PhD) commerce Media Production (MA) Canadian Studies / Études Molecular Science (MSc, PhD) canadiennes Nursing (MN) Chemistry Nutrition Communication (MHSc) Children, Childhood and Youth Occupational and Public Health (MSc) Cinema & Media Studies Philosophy (MA) Cities, Regions, Planning Physics (MSc, PhD) Civil Engineering Policy Studies (PhD) Classical Studies/Classics Professional Communication (MPC) Cognitive Science Project Management in the Built Commerce Environment (MPM, MASc) Communication & Media Studies Psychology (MA, PhD) Communications / Communications Public Policy and Administration (MA) Computer Science Computer Security Creative Writing Criminology Dance Design Digital Media Disaster & Emergency Management Drama and Creative Arts / Théâtre et arts visuels Earth & Atmospheric Science East Asian Studies Economics Economics / Science économique Ecosystem Management - York/Fleming Joint Program Education Educational Studies Electrical Engineering Engineering Engineering & International Development Studies English English & Professional Writing English Studies / Études anglaises Environmental Arts and Justice Environmental Biology Environmental Science Film Production Financial & Business Economics French Studies French Studies / Études françaises Gender & Women's Studies Gender & Women's Studies / Études des femmes et de genre Geomatics Engineering German Studies Global Geography Global Health Global Political Studies Health & Society Health Studies Hellenic Studies History History / Histoire Human Resources Management Human Rights & Equity Studies Humanities Indigenous Studies Individualized Studies Information Technology Integrative Arts Interdisciplinary Social Science International Development Studies

Page 93 International Studies & Business Administration / Études internationales et administration des affaires International Studies / Études internationales Italian Studies Jewish Studies Kinesiology & Health Science Languages and Linguistics Law & Society Law - Juris Doctor Linguistics Linguistics & Language Studies / Linguistique et sciences du langage Mathematical Biology Mathematics Mathematics / Mathématiques Mathematics for Education Mechanical Engineering Media Arts Music Neuroscience Nursing Nursing: Post-RN for Internationally Educated Nurses Nursing: Second Entry Philosophy Philosophy / Philosophie Physics & Astronomy Political Science Political Science / Science politique Portuguese & Luso-Brazilian Studies Professional Writing Psychology Psychology / Psychologie Public Administration Religious Studies Screenwriting Sexuality Studies Sexuality Studies / Études sur la sexualité Social Work Sociology Sociology / Sociologie Software Engineering Space Engineering Spanish Spanish (Hispanic Studies) / Études hispaniques Speech and Language Sciences Statistics Sustainable Environmental Management Theatre Translation / Traduction Undecided Major Undecided Major / Majeure non déterminée Undeclared Major Undeclared Major Urban Studies Visual Art Work & Labour Studies

Page 94 OUAC APPLICATION "OUAC" is the abbreviation for the Ontario Universities Application Center. The OUAC is a suitable processing place for applications for undergrad admission to the colleges of Ontario. The OUAC, which is situated in Guelph, Ontario, accepts your application, processes it, and moves the data to the colleges you have chosen.

Page 95 HOW TO APPLY: Make an OUAC account if you don't have one. Record your username and password and keep them in a protected spot. You will require them to get to your application later on. Keep this data private and secure. Utilize your application access codes to sign in to your application interestingly. Complete the application. Survey your program selections before clicking "I Check and Agree." Submit your application, with fees, before any college programrelated cutoff times. Record your OUAC Reference Number and keep it in a protected spot. It would help if you referred to this number at whatever point you contact the OUAC and your college decisions. AFTER YOU APPLY: Sign in to your application to check the details. Review and make any changes. Guarantee your spam filters are set to acknowledge emails from the OUAC and the colleges you applied to. Email is the essential method of correspondence for the colleges and the OUAC. The colleges will recognize that they accepted your application. After you accept your report card, sign in to confirm your grade information. Visit a University. College and university open houses, campus visits, and visits are incredible ways of resembling and assisting you with concluding which college is the best fit for you. Expect to get either a proposal of confirmation or a refusal from the colleges you applied to toward the finish of May.

Page 96 STUDENT DISCOUNTS 1. GO TRANSIT As of March 14, 2022, GO Transit is expanding the student discounts, opening another window from 22.5% to 40% off the adult fare! The value works for rides paid through a PRESTO card. Whenever you're travelling, carry a PRESTO card to any GO station to have the discount applied. Ensure you apply for a GO Travel student ID Card. 2. METRO Regardless of whether you're on a tight spending plan, you should be able to eat healthy food sparingly. That's why Metro stores (counting the one right by 89 Gould Road) offer students 10% off food on Tuesdays. 3. ROYAL ONTARIO HISTORICAL CENTER (ROM) Students selected as full-time at a Canadian post-secondary establishment get free general admission each Tuesday. If you want to visit the ROM on a day that isn't Tuesday, understudies can get an overall confirmation ticket (by introducing an understudy ID) for $18. That beats the grownup ticket cost of $23

Page 97 5. BASIL BOX Found behind the Student Learning Center, this quickly relaxed eatery, enlivened by the inclinations of Southeast Asian street markets, offers 10% off any of their endless boxed supply of Student OneCard. Fun fact: The founder and owner behind Basil Box graduated from Toronto's own Ryerson college! 6. TORONTO TRAVEL COMMISSION (TTC) How can I forget about students travelling to campus via TTC? Students can buy a TTC Month-to-month Pass at a discounted cost. For $128.15 (rather than $156 for standard adults), students get unlimited travel on the TTC as long as the month lasts. 7. STUDENT PRICE CARD (SPC) PROGRAM SPC is a doorway to more than 450 other discounts! With a $10 fee for a one-year SPC Program enrollment, you can get huge savings at many stores, including 25% off full-priced things and 15% off deal things at Adidas (online, as it were), 10% off buys at American Eagle (offline and on the web) 10% off full-priced items at H&M (online)

Page 98 ECONOMY TORONTO HAS A $421 BILLION ECONOMY WHAT DOES THIS CITY CONTRIBUTE TO THE GDP? The economy of Toronto is the most significant contributor to the Canadian economy, at 20% of the national GDP, and an important economic hub of the world. Toronto is competitive in almost every other major business sector from technology and life sciences to green energy, from fashion and design to food and beverage, and from film and television production to music and digital media. Toronto’s rich industrial diversity drives growth, innovation, and cross-sectoral synergies and knowledge spillovers have spawned new leading-edge hybrid sectors, including med-tech, green-tech and foodtech. "Toronto’s success is due in large part to the strength and significant growth of its financial industry. Toronto is the second largest financial centre in North America, which serves as an engine for the economic growth of the city and an anchor for our excellent talent base, enviable quality of life and highly competitive business environment." - Jennifer Reynolds, President and CEO Toronto Finance International

Page 99 Canada has Trade agreements that provide access to nearly 1.7 billion consumers with a combined GDP of more than US$62 trillion or more than one-half of the world’s output of goods and services Waai’iz Up is a creative production agency based in Pickering Toronto that creates the best promotional content for businesses. They are experts in making videos and social media content that boosts engagement on different forums significantly. Equipped with a In-House Video Production Studio and a Podcast Studio, it is a one stop for all your marketing needs.

Page 100 More about $421.68 20% BILLION CANADA'S GDP TORONTO TORONTO'S 27.5 MILLION PEOPLE VISIT TORONTO GDP IS FROM 10 3 NE MILLION PEOPLE CALL TORONTO HOME The Toronto International Film Festival (TIFF) is one the world's largest publicly attended film festivals and one of the most important as well. Toronto is home to the world’s highest wine cellar. It’s 351m above ground at the CN Tower. Would you dare to check it out? The Toronto Public Library is the largest neighbourhood-based library system in the world. There are over 100 branch libraries and over 10 million items in the Toronto Public Library collection. T IMMIG EVER

Page 101 oronto 00K EW GRANTS RY YEAR Economy Living in Toronto 106

Page 102 CAREER A n individual working in Toronto typically procures around $134,000 each year. Pay rates range from $33,900 to $599,000. The typical yearly compensation includes lodging, transport, and different advantages. Remunerations change between various professions. If you are interested in the remuneration of a specific job, see the following page for pay rates.

Page 103 HIGHEST PAYING CAREERS 01. Chief Financial Officers Salary Range: 226,000 to 633,000 CAD Any work involving cash management is likely to be highly compensated. CFOs oversee financial plans, spending, expenses, and income which primarily influence the association's activities. 03. Judges Salary Range: from 226,000 to 633,000 CAD Judges get immense compensation due to the vast obligations related to their work. Determining individuals' destinies is not simple, and the high salary is impeccably legitimate. 05. Lawyers Salary Range: from 172,000 to CAD 482,000 The main reason that legal counsellors get huge wages is due to their high esteem, according to their clients. A fruitful legal counsellor can save/bring you lots of cash or might save you capital punishment. 02. Bank Managers Salary Range: from 172,000 CAD to 482,000 CAD Being in charge of hundreds of millions in funds and investments with all the associated risks makes managing a bank an extremely critical task worthy of a large salary. 04. Chief Executive Officers Salary Range: from 162,000 CAD to 452,000 CAD CEOs are answerable for the achievement or disappointment of complete associations. Their tremendous compensation is because of the vast extent of the effect and the dangers implied. 06. Surgeons / Doctors Salary Range: from 269,000 CAD to 753,000 CAD Doctors are often among the most profitable careers due to the underlying principle behind their work. A doctor's decision implies a high gamble and requires broad information and a long learning way, the essential elements for a profitable profession. 07. College Professors Salary Range: from 113,000 CAD to 324,000 CAD College professors are among the topprocuring and most renowned vocations. Turning into a teacher is complex and requires constancy, which is why they procure so high. Economy Living in Toronto 108

Page 104 MAJOR EMPLOYERS The Canadian Imperial Bank of Commerce (CIBC) is the largest employer in Toronto. Employs approximately 15,000 people. The Toronto District School Board is also one of the largest employers in Toronto, with 5,500 employees. Other large employers include the Hudson's Bay Company (4,100 employees in the retail sector), Deloitte (4,000 employees in the financial, tax, and audit sector), and Air Canada (3,100 employees in Toronto). Bell Canada is a direct competitor to Rogers Media. Although Bell is headquartered in Montreal, Quebec, it employs 7,900 people in Toronto. Magna International builds automotive technology and employs approximately 11,500 people. Rogers Communications provides jobs to about 10,000 employees in the Toronto area.

Page 105 # OF CIBC EMPLOYEES # OF ROGER'S EMPLOYEES 15,000 10,000 # OF SCOTIABANK EMPLOYEES # OF BANK OF MONTREAL EMPLOYEES 14,400 9,000 Economy Living in Toronto 110

Page 106 THE ULTIMATE GUIDE TO FINDING A JOB IN CANADA IN 2022 Canada is one of the world's biggest and most competitive job markets. As the number of immigrants increases yearly, the demand for jobs also increases. So if you find yourself in this job market or want to make a place for yourself here, you need to know some Canadian norms, essential tips and hacks to get your dream job. Read below for some basic and critical information that will direct you through the most common way to get a job in Canada!

Page 107 A job offer from a Canadian employer can expand your possibility of applying for permanent residence. Under Express Entry, people with job offers can get additional points from the Comprehensive Ranking System (CRS). A job offer is a qualification criterion for some Provincial Nominee Programs (PNPs) lined up with Express Entry. WHAT JOBS ARE INDEMAND IN CANADA? These are the 15 most in-demand jobs in Canada for 2022, according to multinational employment agency Randstad: Experience and skills in any of these areas will increase your chances of getting a job! Key account manager Developer Marketing manager Registered nurse Driver Customer service rep Welder Engineer Accountant Cloud architect HR manager Electrician IT project manager Mechanical engineer Accounting clerks Economy Living in Toronto 112

Page 108 HOW TO FIND A JOB AS A FOREIGNER? Numerous foreigners shift their focus to Canada as a place where there are fresh new chances, expecting to get an everyday life for themselves and their families. One of the biggest concerns of people who want to move to Canada is finding and getting a job here, so below mentioned are some essential things you need to know and the steps to get a job in Canada.

Page 109 GET A CANADIAN JOB AS A FOREIGNER BY FOLLOWING THESE EASY STEPS: Search for open positions. Suppose you're not Canadian or don't have permanent residence in the country. In that case, the first and foremost thing you ought to do is search for new employment openings, websites, apps, etc. or research the organization you always wanted to work for. All in all, search for a job. Apply through a framework called Express Entry. You can apply through Express Entry if you're a talented outsider. The most reasonable initial step is to read and know the circumstances and see whether you're even qualified for such a license. This is the step you should take to be more effective at finding a job. Secure an employment offer. It is crucial to make sure it is a legal job. Confirm it is from a Canadian company or organization even before you start applying for permanent residency. Another way is to get invites from the province through the Provincial Nominee Program. This program focuses on those gifted specialists who "have the right stuff, schooling, and work insight to add to the economy of a particular region or domain." Apply for a work permit. When you propose employment, you can apply for a temporary work license to work lawfully in the country. Pick a skilled worker grant. That is on the off chance that you plan to live in Canada later on and remain a permanent occupant. Get a special work license. This choice is for particular groups of workers, like, businessmen, caretakers, and farming specialists. Economy Living in Toronto 114

Page 110 IMPORTANT THINGS TO REMEMBER WHEN APPLYING FOR A JOB IN CANADA: These five things are very important and will increase your impressions when you apply for a position.

Page 111 Update your cover letter and resume or C.V: A resume, also called a curriculum vitae (CV), contains your schooling, accomplishments, and employment history details. Your resume and introductory letter will frequently be the main thing a business checks out. Establishing a decent first impression is essential. Your resume ought to incorporate all vital work insight as well as accomplishments both individual and expert. Your introductory letter should explain how you are the best candidate for the job position you are applying for. References: Solid references help managers dive deeper into an applicant's work history. This can be a significant asset during work hunting. Asking past managers from your area, province, or managers who graduated from the same college to give references can also go quite far in finding you a job in Canada. Follow up: In a competitive work market, checking in with the business and showing zeal for the gig can make you stand out. You can follow up to show interest and thank them after an interview. Research: Invest some energy in researching organizations where you feel and think you might want to work. You can visit their sites to learn about the organization's culture and any employment opportunities. Utilize social media for your benefit: When utilized accurately, social media is a vital networking tool that can assist you with your job hunt. Find out the social pages of organizations to learn more about the company's environment, work culture, employees, etc. Economy Living in Toronto 116

Page 112 HELPFUL RESOURCES TO FIND A JOB IN CANADA : Canada's employment has risen above post-COVID, making it a great time to find a job. Here are resources that might help your job hunt. Government of Canada Jobs Canada Job Bank Indeed Student Employment Monster Canada-jobs Eluta

Page 113 HOW TO SPOT A FAKE JOB OFFER? In today’s days, job offer fraud is on the rise. Especially immigrants face the adversity of mistakes or scams, such as fake job offers, along their immigration journey. You need to know two things to avoid fake job offers: First, it is illegal to ask someone to pay for a job position in Canada, so avoid letters asking you to pay or send money of any kind. Every job offer letter has the company’s official letterhead and their contact information; check if it’s true and then proceed to the next steps CANADA SPECIFIC RESUME TIPS: In today's days, job offer fraud is on the rise. Especially immigrants face the adversity of mistakes or scams, such as fake job offers, along their immigration journey. It would help if you had known two things to avoid fake job offers: Canada-specific resume tips and resume tips. Customizing your resume to a specific job offer is always a good idea. Changing just a few details can have a significant impact. Please never include any information about your age, ethnicity, or looks on your Canadian resume, and we strongly advise you not to include a photo. Most recruiters in Canada use online tools to search for the best resumes. So use essential keywords. In your resume, include international experience, even if it's a volunteer position. It would help if you showed that you're willing to relocate and adapt to a new culture. Don't mention anything too personal about your life, such as your relationship status or sexual orientation, neither of which are relevant to the job. First, it is illegal to ask someone to pay for a job in Canada, so avoid letters asking you to pay or send money of any kind. Every job offer letter has the company's official letterhead and their contact information; check if it's true and then proceed to the next steps Economy Living in Toronto 118

Page 114 THE BEST RECRUITMENT AGENCIES IN TORONTO 1. Pure Staffing Solutions Inc. 391 Keele St, Toronto, ON M6P 2K9, Canada Recruitment 2. Sales Talent Agency 96 agency for skilled trades, Spadina Ave. #310, Toronto, ON engineering, and operations M5V 2J6, Canada +1 416-304- jobs; direct-hire, temporary or 9823 Sales talent acquisition contract hire, payroll services, onsite recruiting +1 416-7608001 3. Motion Recruitment 151 Yonge St Suite #602, Toronto, 4. IQ PARTNERS Inc 144 Front St ON M5C 2W7, Canada +1 647- W #600, Toronto, ON M5J 2L7, 499-8100 IT staffing solutions; Canada +1 416-599-4700 direct contact and vendor- Recruitment services on various neutral engagement models; areas of expertise permanent FTE hiring solutions, VP-level or C-suite tech executive hiring solutions

Page 115 THE 5 BEST PUBLIC LIBRARIES BLOOR GLADSTONE LIBRARY TORONTO REFERENCE LIBRARY HIGH PARK LIBRARY LILLIAN H. SMITH BRANCH PARKDALE LIBRARY Economy Living in Toronto 120

Page 116 ESSENTIAL PARTS OF THE EMPLOYEE BENEFITS IN CANADA Wealthful Mind Group teaches you the mindset that is required to create unlimited wealth. Having money is not enough, one needs to know how to create and preserve wealth, and that’s what the team at Wealthful Mind Group does. It is a coaching business that talks about how you can establish yourself in the market. It is a business and mindset coaching, that guides you on how you can reach your maximum potential and not just earn money but create wealth.

Page 117 Canada is positioned eighth for its biggest economy on the planet. At present, the country's unemployment rate is 5.4 percent. The wage expansion from $11.81 to $13.00 per hour will be from October 1, 2022. Work is of 40 hours each week. The Mandatory Employee Benefits of Canada are its Pension Plan (CPP) and Life Insurance. Max insurable yearly income is C$60,300, and the individual can get C$638 per week. TYPICAL SUM PAID FOR A NEW RETIREMENT ANNUITY $727.61 MAX INSURABLE YEARLY INCOME $60,300 Economy Living in Toronto 122

Page 118 WORK SHARING IN CANADA THE WORK-SHARING PROJECT ASSISTS EMPLOYERS AND EMPLOYEES WITH STAYING AWAY FROM CUTBACKS WHEN: There is a temporary decrease in the ordinary degree of business activity, and the reduction is beyond the control of the business. The agreement provides income support to employees eligible for Employment Insurance benefits who work a temporarily reduced work week while their employer recovers. All employers partaking in the contract should encounter a base 10% decrease in their average weekly earnings. A Work-Sharing agreement is a three-party agreement including employers, employees and Service Canada. EMPLOYEES ON A WORK-SHARING AGREEMENT MUST CONSENT TO: A decreased timetable of work and sharing the available work equally over the agreement term. If applicable, the employer and the employees involved (and the union) must agree to participate in a Work-Sharing agreement. Then, the employer/employer representative, employee representative and, if applicable, the union representative apply to participate in a WorkSharing deal.

Page 119 ARRANGEMENT TERM AND EXTENSION Work-Sharing agreements beginning after September 25, 2022, must have a minimum term of about six weeks and can last up to 26 weeks. If necessary, an extension may be requested of up to 12 weeks bringing the initial agreement to a maximum of 38 weeks. Work-Sharing contracts are not extended automatically. To demand an expansion of a WorkSharing agreement, an application should be submitted at least ten work days preceding the end date of the Work-Sharing agreement. An obligatory cooling-off period should be served once the agreement has finished or has been ended. The span of the cooling-off period will be equivalent to the number of weeks used in the past deal (up to 38 weeks). Kindly note that the Work-Sharing agreement can begin on a Sunday to align with the Employment Insurance payment cycle. Kindly consider this when planning the desired start date of your contract in your WorkSharing application. UNIQUE MEASURES The Work-Sharing Program may introduce temporary extraordinary at any time to provide additional support for affected businesses during a financial slump, natural disaster or if a national emergency is declared. The exceptional measures offer designated help for organizations influenced to recover and avoid layoffs for a specific period. Economy Living in Toronto 124

Page 120 BANKING 280,000 SECTOR WORK FORCE KEY ASSETS SECTOR Toronto Finance International (TFI) Toronto Stock Exchange (TSX) As a newcomer in Canada, you may apply for an unsecured credit card with a limit of up to $5,000 with no credit history. DID YOU KNOW? Canadian Bankers Association is the voice of more than 60 domestic and foreign banks operating in Canada and their 280,000 employees. It continues to provide governments and others with centralized contact to all banks banking in Canada.

Page 121 Schedule 1 Banks Economy Living in Toronto 126

Page 122 TYPES OF BANK ACCOUNTS IN CANADA CHEQUING ACCOUNT (SOMETIMES CALLED A BANKING OR TRANSACTION ACCOUNT): Chequing accounts usually come with a bank (debit) card. These accounts are used for day-to-day banking purposes. Interest rates are low, yet many have low (or no) monthly fees. SAVINGS ACCOUNT: This type of account typically gives higher interest rates yet may have a limit on the minimum amount of money allowed in the account. They may also restrict the number of withdrawals permitted every month, so a chequing account is more effective for everyday banking. LOW COST OR NO COST ACCOUNTS: Low-cost accounts cost a maximum of $4 each month in banking charges. The Government of Canada and financial institutions agree to provide low-cost, basic banking services. If you meet certain conditions, you might be qualified for a low-cost account at no cost. No-cost accounts have similar features and services to low-cost accounts but no monthly fee.

Page 123 YOU MAY BE ELIGIBLE TO GET THIS TYPE OF ACCOUNT IF YOU BELONG TO THE FOLLOWING GROUPS: youth students seniors getting the Guaranteed Income Supplement (GIS) Registered Disability Savings Plan (RDSP) beneficiaries SERVICES INCLUDED WITH A LOWCOST ACCOUNT at least 12 debit transactions per month, including at least two in-branch transactions where available ability to write cheques a debit card unlimited deposits monthly printed statements ability to set up pre-authorized payments cheque image return or online cheque image viewing You’ll pay service fees for each additional transaction that you make. Financial Institutes that offer low cost or no cost accounts. Economy Living in Toronto 128

Page 124 FUTURE OF PLANNING IN TORONTO THE SOLUTION TO YOUR FINANCIAL HEALTH! The Accounting Doc is the company you need to work with if you want to start a business in Canada. If you’re looking for advice related to taxes and financial transactions, or even just advice on how to file your taxes, then The Accounting Doc is the place for you. With the expertise, experience, and energy of the staff, they provide personal and professional attention to every client.

Page 125 SOME IMPORTANT POINTS Toronto needs to accommodate another 700,000 people and 450,000 jobs. Make housing more affordable and discuss more about climate change. It will try to balance growth, current local needs, future needs, and the environment. According to the Growth plan: GO Transit Rail stations are provided with 150 jobs and 150 residents per hectare; subways are supplied with 200 jobs and residents per hectare, and light rail transit is equipped with 160 jobs and residents per hectare. Housing demand can be matched with potential housing supply to determine the mix and range of housing needed in each period. The construction of new developments within walking distance of transit and ensuring that neighbourhoods have a mix of uses where people can walk and bike freely. Better public transit, more bike lanes and less reliance on private cars will shape the future of development. THE KEY FOCUS WILL BE ON: MANAGING FORECASTED GROWTH THROUGH INTENSIFICATION; PROTECTING EMPLOYMENT AREAS; CONSIDERING EMPLOYMENT AREA CONVERSIONS; UPDATING THE OFFICIAL PLAN’S ENVIRONMENTAL POLICIES; ENGAGEMENT STRATEGY; AND OTHER POLICY MATTERS. Economy Living in Toronto 130

Page 126 WHAT SHOULD YOU INVEST IN TORONTO?

Page 127 Cryptocurrency Mutual funds Cryptocurrency is a digital, alternative currency not regulated by a central bank. Instead, it’s managed by the people who use and buy it. Cryptocurrencies use decentralized technology to let users make secure payments and store money without using their names or going through a bank. Most investors buy coins such as Bitcoin, Litecoin, Ethereum, Ripple, and more and wait until their value rises. Once their market prices rise, they sell at a profit. The risk is very high because the returns are pure speculation. A mutual fund is an investment product that uses stocks to earn money for many investors. Investors make money when stores within the pool generate dividends, on interest payments from the bonds, and when assets are sold at a higher price. Mutual funds in Canada tend to charge some of the highest fees in the world, with many equity mutual funds charging fees of 2-3%. The mutual fund risk level is low to medium, with average returns of 6.2% to 7.8% per year. Stocks GICs A Guaranteed Investment Certificate is a type of investment that pays you a guaranteed interest rate. In exchange for your principal investment, a GIC pays a fixed annual interest rate for a fixed-term, often 1-5 years. GICs are best suited for short-term investments, keeping your principal investment safe while earning sufficient returns of 2% or less. ETFs An exchange-traded fund is an investment fund that lets you buy a large pool of individual stocks or bonds in one purchase. This type of investing is ideal for those who want to invest in stocks, commodities, and binds in one place. Besides making capital gains on ETFs, investors benefit from profits distributed in the underlying ETF asset pool, such as dividends and interest. Average returns are 6.2% and 7.8% per year. Stocks are the shares or parts of a company listed on the stock market for people to purchase. Buying stocks in a company means owning a percentage of the company’s future earnings. Most stocks today are available as common stocks. These stocks represent a portion of profits distributed by the company in the form of dividends. Payment of these dividends takes place annually or semi-annually, depending on the company’s policy. Stocks are medium to high risk, with an average return of 9-10% per year. High-Interest Savings Account A high-interest savings account (HISA) is one of Canada's top safe investments with high returns. Unlike a traditional savings account, a HISA rewards your savings with high-interest rates. Since you can take money out of a HISA without penalty, it's more liquid and safe than other investments in Canada, with returns of 1.25%. Economy Living in Toronto 132

Page 128 REAL ESTATE APPRECIATION VALUE TORONTO HAS SEEN GROWTH OF UP TO 14% YR/YR IN TORONTO FOR LAST 10 YRS RENTAL GROWTH THE AVERAGE ONEBEDROOM RENT INCREASED BY 20% YEAR-OVER YEAR TO $1.115M OCT 2021 VS $467K OCT 2011 AVERAGE SELLING PRICE

Page 129 TORONTO HAS SEEN A MASSIVE 140% GROWTH IN LAST 10 YRS CONDO SALES APARTMENT RENTS $686K $1,887 $769K $2,269 Q1/2021 VS Q1/2022 Q1/2021 VS Q1/2022 Real Estate Living in Toronto 134

Page 130 THE BEST APARTMENTS IN TORONTO 400 Dufferin Street, Toronto, ON. Studio apartments; onebedroom, two-bedroom, three-bedroom apartments THE BRIXTON 25 Montgomery Ave, Toronto, ON. Studio apartments, one-bedroom apartments, two-bedroom apartments, three-bedroom apartments THE MONTGOMERY APARTMENTS

Page 131 763 Woodbine Ave, Toronto, ON. One-bedroom apartments, one-bedroom plus den, two-bedroom apartments, two-bedroom plus den THE ROSEMONT RESIDENCES 565 Avenue Rd, Toronto, ON. One-bedroom, twobedroom apartments; large two-bedroom apartments with a two-bathroom layout SOUTH ALGIERS Real Estate Living in Toronto 136

Page 132 WHAT TO LOOK FOR WHEN YOU’RE RENTING A HOUSE IN TORONTO It's no secret that Toronto's real estate market is booming, and house prices continue to rise; you may find yourself considering renting a house instead of ownership. Renting a home is a fantastic way to get into homeownership without worrying about the hassles of lengthy buying processes. However, here are a few things you need to remember before renting a home. 1. Location - There are 140 neighbourhoods in Toronto, so you must ensure which fits your costs and lifestyle. Every area in Toronto has its own culture, so before you sign a deal, you should first visit and check out the community yourself. Before you rent, make sure it's close to stores, public transportation, your office, the hospital, and other vital locations. Also, talk with the neighbours and owners living near the property. Ask them how living there feels and what problems they usually face. 2. Assessing the building - If you’re looking for condos, you will share common spaces with other residents, such as pools, garages, and other amenities. A Home Owners Association (HOA) usually looks over expenses and maintenance; at the end of the month, every condo owner has to pay their share of these expenses. Make sure to look over the property and determine what could be some expected upgrades, what amenities you need, and if you can afford to pay your share of the upgrades. Check and inspect the whole building and condo before you buy it; some defects are easier to notice, while others are more difficult. You’ll also be given the HOA’s books to inspect before renting a condo.

Page 133 3. Research the house developer and corporation: You don't want to rent from a person who has no idea about the construction of the house, nor do you want to invest in a debt-ridden condo. Since you are paying for the house and maintenance costs, it is your right to know to whom exactly you're giving your money. Research who is in charge of day-to-day operations, resident requests, community rules, other projects, and company services. Do your research on the developer's reputation - how many projects they work on in a year, their other projects, and how their previous projects are doing. 4. Ask for upgrades: Suppose you're purchasing a used house; ask the past proprietors for redesigns and upgrades before you move in. Buying a prebuilt apartment suite is wiser to put cash into the proper updates immediately than when you move in. This way, you're avoiding the additional costs of fixing the house before moving in. 5. Make sure you don’t lose the view: Being a Toronto resident means getting used to construction. You never know where a new building will go up. That’s why you should know what upcoming projects are planned near your condo. What if you rent a condo with a beautiful view but lose it after a few weeks due to the construction of a new building right in front of you? Make sure to check out what’s being built nearby. When times are tough, condos can be a decent investment for the right buyer in the correct location. Before renting a condo, do your homework and look into Landlord Tenant Board rules and regulations, tax implications and insurance issues. Real Estate Living in Toronto 138

Page 134 HOW TO BUY YOUR FIRST HOME WITHIN THE FIRST YEAR OF MOVING TO TORONTO Buying a home in Toronto can seem like an overwhelming project, but that’s not the case, as doing anything for the first time can be quite an adventure, and so is buying real estate in Toronto. Being a city where thousands of immigrants move in every year, the demand for real estate is relatively high in Toronto, hence, the constant fluctuations in prices of buying and renting houses here. I’ve planned out easy-to-understand steps for purchasing a home when you have just moved to Toronto.

Page 135 STEP 1: GETTING PRE-QUALIFIED FOR A MORTGAGE First things first, before purchasing a house in Toronto, figure out how much your bank will loan you. Banks usually check debts, income, credit history, debts, and down payment. Pre-qualifying will help you realize how much home loan you can get, which will assist you with understanding what home buying price ranges you should focus on. The pre-approval is a written record and will have an interest rate. It allows you to concentrate on your home-hunting and not worry about financial uncertainties. STEP 2: PLAN YOUR WISH LIST I’m pretty sure that you already have a dream home in your mind. Knowing how many rooms you want, the colour of each room, its ambience, furniture, outdoor space, cabinets, lighting, flooring, etc., will make your home-buying journey even more effortless. And as they say, you can’t get what you want if you don’t know what you want. What you need or want to have in your home is also critical. STEP 3: PICKING YOUR TEAM There is no doubt that buying a house or condo will be your largest purchase but you don’t have to do it alone. Your real estate team will include the following: A great Toronto Real Estate Agent Mortgage Lender Mortgage Broker Home Appraiser Home Inspector Insurance Broker Real Estate Lawyer Real Estate Living in Toronto 140

Page 136 STEP 4: HOUSE HUNTING TIPS Now comes the most crucial stage- House hunting! You’re pre-qualified, you have your financials planned, you know what you’re looking for, and you have a realtor to work with, so now all you have to do is visit multiple houses and take a close look at each of them. Check out your options, their legal documents, pending payments, loans, leakages, lighting, construction, etc., to buy the right house. There’s a chance that you might fall for the very first house you see, but don’t do that. STEP 5: MAKING AN OFFER Congratulations! Your efforts have paved off, and you finally got your dream house in Toronto. The next step is making an offer to the owner or seller of the property. The offer process is both exciting and nerve-wracking. This is the stage where you and the seller sign the Agreement of Purchase and Sale (APS) and other legal documents that will make you the property owner. The APS is a legally binding document which contains the following: The price you are prepared to pay Inclusions you want (washer/dryer, big screen TV) The amount of your deposit (usually 5% of the purchase price, due within 24 hours after the offer is accepted) Conditions that need to be met for the deal to go through (Read more about conditions: financing condition, home inspection, status certificate review condition, sale of property condition) Closing date (the date you take possession) Your agent will submit your offer, and the seller will sign on it or make a counteroffer. When negotiating, you may need to compromise on minor points, but a great REALTOR will do their best to achieve your goals.

Page 137 STEP 6: MEETING CONDITIONS AND PROVIDING THE DEPOSIT CAS, a first-time Purchaser, might have a funding condition for your offer. This state permits your lawyer to survey the property, a status certificate review condition, or a home investigation condition. When the needs have been met, the deal is supposed to be ‘firm,’ and now it’s simply an issue of hanging tight for your closing date. Moreover, you’ll have to pay up to 5% of the buying price, which is held in trust until close. STEP 7: CLOSING THE DEAL Yay! You almost have your dream home! Closing is where the proprietorship and ownership of the property are moved from the Vendor to you. It happens once all of the legal and monetary conditions have been met. Closing the deal will be a collaboration: you, your legal counsellor, and your lender will be generally engaged with closing the arrangement. Adnan Feroz has been working with buying, selling, and promoting real estate in Canada for more than a decade. His expertise, passion, and dedication to making people’s dreams come true has helped him sell houses to thousands of families. From searching for the ideal property to closing on deals, he makes sure to give his all for his clients. Real Estate Living in Toronto 142

Page 138 COST OF LIVING in Toronto YOUR AVERAGE COST PER ROOM INCLUDING UTILITIES. TYPICALLY STARTS AT AROUND $500/MONTH These prices greatly vary based on location. For example, if you are looking at living at Yonge and Bloor, you would probably be paying close to $2,000 but if you decide to move just 30 mins by Kennedy Subway station, you would probably be spending in the ballpark of $1000

Page 139 WE SPEARHEAD YOUR COMMERCIAL OR RESIDENTIAL CONSTRUCTION PROJECT MANAGEMENT AND CUSTOM-TAILOR IT JUST FOR YOU! $500-600 MONTHLY GROCERY EXPENSE $200-500 MONTHLY TRAVEL EXPENSE $3-6K $70-90K MONTHLY ANNUAL HOUSEHOLD HOUSEHOLD EXPENSES INCOME Expenses Living in Toronto 146

Page 140 COST COMPARISION with New York FAMILY OF FOUR ESTIMATED MONTHLY COSTS ARE $6,894 A SINGLE PERSON ESTIMATED MONTHLY COSTS ARE $4,089

Page 141 EVEN THOUGH TORONTO IS CONSTANTLY PORTRAYED IN MOVIES AS NEW YORK, COST OF LIVING IS MUCH CHEAPER HERE . RESTAURANT PRICES ARE 23.37% COMPARED TO NEW YORK RENT PRICES ARE 56.88% COMPARED TO NEW YORK GROCERIES PRICES ARE 33.09% CONSUMER PRICES ARE COMPARED TO NEW YORK 41.92% COMPARED TO NEW YORK PURCHASING POWER IS 5.1% COMPARED TO NEW YORK Expenses Living in Toronto 148

Page 142 TAXES IN CANADA Canada has many Taxes, and it takes a bit of getting used to it. Land Transfer Tax: If you are purchasing a property in Canada you can expect to pay .5%-2.5% for the Ontario portion of it and if the property you are purchasing is in Toronto you pay an additional .5%-2.5% of the purchase price. In Canada, you pay taxes on your income and the brackets range from 053.5%. Also if you are a nonresident of Ontario, you will be subject to NonResident Speculation Tax if you purchase a property which has less than 4 units. Property Tax: You have to pay a property tax of .61% of the assessed value each year on any property you own. Basically, for almost anything you buy, you have to add tax on top of the price marked on it. So if you see a top for $20, you will pay $22.60. Here is a list of some of the most common taxes. This tax is called the Harmonized Sales Tax and is 13% In Canada, you pay taxes on your income, the brackets range from 0-53.5%.

Page 143 Canada has a small list of taxes that many people are not aware of, how many of these do you know about? 1. Tobacco Tax Beer and Wine Tax Corporations 2. Tax Capital Tax Corporate Income Tax 3. Corporate Minimum Tax Insurance Premium 4. Tax Debt Retirement Charge Disputing 5. Assessments or Disallowances Employer 6. Health Tax Estate Administration Tax 7. Fuel Tax Gasoline Tax Goods and Services Tax 8. Gross Revenue Charge 9. International Fuel Tax Agreement 10. International Registration Plan Mining Tax 11. Ontario Health Premium 12. Municipal and School Taxes 13. Federal and Provincial Corporate Tax (Hydro PILs) 14. Provincial Land Tax Provincial Sales Tax Race Tracks Tax 15. Retail Sales Tax Spirits Tax Transfer Tax Expenses Living in Toronto 150

Page 144 6 THINGS NEW IMMIGRANTS IN CANADA SHOULD KNOW ABOUT CANADIAN TAX RETURNS You must pay tax returns if you have moved to Canada or returned after a long time. Following are some essential vital aspects you need to know about the Canadian Income Tax system and how to be prepared before you file your taxes: Tax returns and when is it due: Income tax returns are the gross total of an individual’s income and deductions, with paid and unpaid federal, provincial and territorial taxes. This income is calculated from January 1st to December 31st of the previous year. Individuals must file their taxes on or before April 30th of the following year, and there’s a penalty for not paying taxes in the given time. Paying your taxes also helps you get refunds from the government. The CRA administers tax laws: Canada has two types of income taxes: federal income tax and provincial/territorial income tax, depending on where you reside before December 31st of the previous year. Federal, territorial, and most provincial governments are taxed through the Canada Revenue Agency (CRA). In Canada, Quebec is the only province that does not administer its income tax through Revenu Quebec.

Page 145 Your residency status in Canada decides Your SIN (Social Insurance Number) and your income tax payment, Permanent tax slips are required documents when Residents of Canada are required to file filing a tax return taxes Aside from providing your basic personal for the entire year, and non- residents have to file their taxes, too. information, such as your name and Hence, it’s best to take advantage of filing address, you will need the following: taxes. Mandatory Social Insurance Number (SIN), Residents should file tax returns if they: Have a Canadian or international For recent newcomers, Employment and income information is required source of income before your arrival in Canada. Want to claim a refund or benefit Details of dependants (spouse, children If you wish to claim goods and services or elderly parents). tax/harmonized sales tax (GST/HST) or provincial tax credits. The CRA contacted you to file a tax Optional return. If you’re already employed in Canada, If you’ve earned tax benefits from the you will need your T4 slips. Employers government by selling any capital provide these. property. Non-residents who have lived in Canada for a short time, less than 183 days a year, don’t have to file tax returns. benefits: business owners. after moving to Canada or foreign assets over $100,000. Medical expense receipts for yourself, GST/HST credits your spouse or children. Canada Child Benefit (CCB) Worker expenses paid for entrepreneurs or You’ll need to report foreign income However, filing tax returns has certain Canada You’ll need to show income earned and Benefit, formerly Childcare expense receipts. known as Working Income Tax Benefit Other provincial or territorial benefits and credits. The government sends you back all or part of the taxes you’ve already paid. Expenses Living in Toronto 152

Page 146 HOW MUCH TO PAY FOR A CELL PHONE PLAN IN CANADA? Canada is famous for having probably the most costly cell plans on the planet, especially regarding data. If you want to buy the latest iPhone and enough data to download a whole Netflix series on your daily walk, prepare yourself. The expense of Canadian phone plans changes greatly depending on the services you’re getyou'reIf you need a simple phone plan that permits you to make calls or text, then you can find a few cheap choices. However! It's the aIt'sf web; most cell phone users nowadays need data with their phone plan. Nowadays, many individuals need more than 5GB of data. Data gigantically affects the cost of your phone plan in Canada. As per a new government report analyzing telecommunications pricing estimating in Canada in 2019, the expense for a phone plan with 5GB of data ranges from $57 to $101 each month. BRING YOUR OWN DEVICE (BYO) Might you at any point bring a telephone from your nation of origin? Do you want to carry your telephone with you when you move? You could run into similarity issues. In the first place, your phone should be unlocked for it to be brought to an alternate carrier. An unlocked phone is a phone that isn't limited to a specific page, so with a legitimate SIM card, your phone can work with any supplier and any organization in Canada. Second, the phone should be viable with Canada's mobile network, incorporating the mobile frequencies of these organizations. You can also look at the specifications and requirements so that your phone can check whether it will work in Canada.

Page 147 HOW MUCH EXPENSIVE ARE BYO PLANS? BYO plans are the least expensive in Canada, providing you with talking, messaging, and information. Let's utilize the supplier Koodo for instance. If you buy another iPhone 12 with your Koodo phone plan, they expect you to take care of it involving their TAB installment system for new phones. With this framework, you will pay $583 for your new phone and afterward take care of the excess balance, your "tab," at a rate of $33/month for the following two years (in light of Koodo's rates in April 2021). This $33/month "tab" charge will be added to your standard telephone bill from Koodo. One more significant advantage of BYO gadget plans: they don't need an agreement. This means you can stop your service and change suppliers whenever without penalty. PREPAID VS CONTRACT: WHICH ONE IS BEST FOR NEWCOMERS? In Canada, phone plans are either prepaid (in some cases called "pay-asyou-go") or contract-based and paid month to month (in some cases known as "postpaid," yet it implies precisely the same thing). A prepaid plan means that you pay for your services ahead of time. Assuming you go through all of your calling minutes, text messages, and information, then, at that point, you should pay for more before you can talk, transmission, or surf the web once more. A monthly contract plan implies that you pay for your services toward the finish of a booked installment period, generally on a fixed day every month. If you surpass your services (for example, make international calls, use many data, and so on), the phone supplier will charge you for the excess. These expenses can be excessive, with most suppliers setting an overage fee of $10 per 100 MB of information once you surpass the sum you paid for. Fortunately, in the previous year, most Canadian phone suppliers have introduced some information overage assurance, permitting you to have your data cut off until your next recharge to stay away from these vast overage charges. Expenses Living in Toronto 154

Page 148 CAR EXPENSES IT WOULD BE BEST IF YOU PLANNED TO PURCHASE WINTER TIRES WHEN PURCHASING A NEW CAR WHICH TYPICALLY COST. $1,000+ TIP: Buying tires - You can get tires for cheap at Costco, but you can get them cheaper from Simply Tires & Buy Tires in Packages; they are cheaper! Costco offers Free tire rotations and Flat repairs for the life of tires.

Page 149 MOST CAR OWNERS IN TORONTO PAY AN AVERAGE OF OVER A $1,000/MONTH INCLUDING THE FINANCE OF THE CAR. THIS COST CHANGES VERY QUICKLY IF YOU PURCHASE SOMETHING MORE EXPENSIVE. $15,000+ AVERAGE CAR PURCHASE COST $1,634 AVERAGE CAR INSURANCE COST /YEAR 13% HARMONIZED SALES TAX ON ALL CARS $100 TITLE AND PLATE REGISTRATION FEES $5,000+ DECENT USED CARS STARTING FROM $400 AVERAGE MONTHLY FUEL COST Expenses Living in Toronto 156

Page 150 CAR RENTAL IN TORONTO

Page 151 Parking lots are usually around $20 - 25 per day. Street parking is around $2 -5 an hour. Expenses Living in Toronto 158

Page 152 COST SAVING TIPS Most major retailers offer loyalty programs and rewards. Do sign up for them as they add up to many savings. Most stores in Canada offer price matching up to 90 days after your purchase, along with significant return policies in case you change your mind. Second-Hand Market: "Nearly 85 percent of Canadians have participated in some form of second-hand transactions in the last year," Kijiji's strategic marketing director Marc-André Hade said in a release. Canadians bought 1.8 billion second-hand items last year.

Page 153 MANY SETTLEMENT SERVICES IN CANADA OFFER FREE BASIC FURNITURE FOR UPTO 3 YEARS POST LANDING IF YOU HAVE A PR. UNI days, SPC - Student Price Cards, Black Friday, Boxing Day, Thanksgiving TIP Red flag deals is a forum where people post updates about deals around the city. There is also another app Honey rewards which can be handy Expenses Living in Toronto 160

Page 154 MEDIA Top Newspaper

Page 155 DID YOU KNOW? Ontario is one of the leading jurisdictions for film and television production in the world, consistently hosting 300+ productions annually. Top Channels Media Living in Toronto 162

Page 156 POLITICS THERE ARE 3 LEVELS OF GOVERNMENT IN TORONTO: FEDERAL The Federal Government of Canada is responsible for: national defence and the Canadian Armed Forces, postal service, banking, employment, citizenship and immigration, census, foreign affairs and international trade, agriculture and more. In addition to health and education, the provincial government of Ontario is responsible for human rights, energy, natural resources, the environment, social services, and more. Municipal: As the city's government, PROVINCIAL the City of Toronto is responsible for: water trash treatment, parks, collection, libraries, public transportation, land use planning, MUNICIPAL traffic lights, police, paramedics, fire administrations, sewers, safe houses, childcare, and entertainment centers. And that's only the tip of the iceberg.

Page 157 Justin Trudeau is Canada's 23rd Prime Minister. He has served as the prime minister of Canada since 2015 and as the leader of the Liberal Party since 2013. FEDERAL Politics Living in Toronto 164

Page 158 PROVINCIAL Douglas Robert Ford Jr. MPP is a Canadian politician and businessman. He has served as the 26th and current premier of Ontario since June 2018 and leader of the Progressive Conservative Party since March 2018. He represents the Toronto riding of Etobicoke North in the Legislative Assembly of Ontario.

Page 159 MUNICIPAL John Howard Tory is a Canadian politician who has served as Toronto's 65th and current mayor since 2014. After a career as a lawyer, political strategist and businessman. Politics Living in Toronto 166

Page 160 CONSUMER PROTECTION In Toronto, every exchange is governed by the law to safeguard consumers and organizations. Here are the rights and responsibilities of a consumer you should know. RIGHTS OF CONSUMERS UNDER THE CONSUMER PROTECTION ACT ARE: You are qualified for a cooling-off period. Solutions and remedies should be convenient. If you are sent goods you didn't request; you don't need to acknowledge or pay for them. Contracts should be clear and understandable. Deals motivating forces should not be bogus, misdirecting, or misleading. Deliveries should be made on time at the correct address. Responsibilities of consumers: Research and think about items or administrations before you get them. Read and adhere to item guidelines. Confirm the capabilities of service organizations. Receive whatever you paid for. The Consumer Protection Act of 2002 is the law that covers large numbers of the things you will purchase or lease in Ontario. It is intended to make things fair for everybody - buyers and organizations. In Ontario, organizations are not permitted to act unreasonably towards customers. They can't give you bogus or misdirecting data. For instance, it is illegal for a business to make a case about an item or administration that isn't correct. Organizations likewise can't purposely exploit a purchaser. For instance, an organization isn't permitted to have individuals whose first language isn't English sign complicated agreements that they don't know about. A business is also violating the law on the off chance that it is taking cash for administrations that it realizes a client can't bear. Here are steps you can take if you think an organization has been unfair or misled you: Give the organization around 10 - 15 work days to answer your interests. Complain to the business recorded as a hard copy. Track all correspondence with the business. Keep the evidence that the letter was sent. (Send it by enlisted mail, keep the receipt, or fax). Administrative specialists help the Ministry of Government and Consumer Services to manage and implement regulations in numerous areas like travel, land, and public security.

Page 161 MINISTRY’S ADMINISTRATIVE AUTHORITIES Board of Funeral Services (BOFS) 1-800-387-4458 funeralboard.com To report a scam: The Canadian Anti-Fraud Centre antifraudcentre.ca or 1-888-495-8501 Electrical Safety Authority (ESA) 1.877.372.7233 esasafe.com Telemarketing Fraud in Canada rcmp-grc.ca/scamsfraudes/index-eng.htm Real Estate Council of Ontario (RECO) 1-800-245-6910 reco.on.ca Ontario One Call (ON1Call). 1-800-400-2255 on1call.com Other sources of information for newcomers www.Ontarioimmigration.ca www.settlement.org www.newyouth.ca www.orientationontario.ca Legal assistance: Visit: lsuc.on.ca RTarion 1-877-982-7466 tarion.com Travel Industry of Ontario (TICO) 1-888-451-TICO (8426) (905) 624-6241 tico.ca Vintners’ Quality Alliance Ontario (VQA) 416 367-2002 vqaontario.com Ontario’s Motor Vehicle Industry Council (OMVIC) 1-800-943-6002 omvic.on.ca Technical Standards and Safety Authority (TSSA) 1-877-682-8772 tssa.org Consumer Protection Living in Toronto 168

Page 162 GOVERNMENT BENEFITS & SUBSIDIES

Page 163 CHILD CARE SUBSIDY Child Care Subsidy is a program that helps you with the expense of child care of a child 0 - 9 years old who resides with you (assuming that you are the parent, foster parent or legal guardian). The subsidy is available for licensed group daycare and licensed home care in the City of Toronto. Assuming you live in Toronto, it may be extended to children up to 12 years old upon over-age approval from Toronto Children’s Services; if you live elsewhere, check with your region. CANADA EDUCATION SAVINGS GRANT To assist you with putting something aside for your kid's schooling, the Public authority of Canada will make commitments to your Registered Education Savings Plan (RESP) in the form of the Canada Education Savings Grant. Canada Education Savings Grant is a monetary incentive for parents, family and friends to save for a child's education after high school. The grant is paid directly into the child's RESP. Until this point, more than 2,000,000 kids have profited from Canada Education Savings Grants. REGISTERED EDUCATION SAVINGS PLAN A Registered Education Savings Plan is an exceptional reserve funds plan that can help you, your family, or your companions put something aside for education after high school. Registered by the Government of Canada to allow savings for education to grow tax-free until the person named in the RESP enrols in education after high school. Consumer Protection Living in Toronto 170

Page 164 BIZZARE LAWS IN TORONTO Residents who fail to clear snow from a public property can be charged $135 under the Snow and Ice Clearing Bylaw. As per Criminal Code, a person caught doing graffiti can be fined $5,000 or more as graffiti is considered vandalism in Toronto. Refusal to pay TTC fare’s are $235 One can get fined for jaywalking in Toronto. Yes! If your jaywalking interrupts traffic then you’ll be fined $35 If you cross the overspeed limit of 0-20 km/h then you’ll be fined $3.00 and for going above the limit of 50+ km/h then you’ll be fined $9.75 in Toronto.

Page 165 One of the strangest laws in Canada is a bylaw prohibiting dragging a dead horse down Yonge Street on Sundays. You're free to do it from Monday to Saturday though, knock yourself out! No swearing in a Toronto public park. Yes, the municipal code of Toronto prohibits the use of riotous, boisterous, violent, threatening, or illegal conduct or the use of profane or abusive language. Consumer Protection Living in Toronto 172

Page 166 To travel is TOURISM In Toronto HOW MUCH TOURISM DO WE SEE ANNUALLY? Travel is the main industry in Toronto, Canada. In 2018, Toronto invited over 27.5 million guests. 9.5 million were overnight guests; 18.1 million were day guests Total 6.4 million hotel room bookings sold $6.5 billion bucks spent by guests $10.3 billion bucks altogether monetary result for Toronto

Page 167 s to live 27.5 $6.4 MILLION VISITORS TO TORONTO BILLION VISITOR SPENDING IN TORONTO Tourism Living in Toronto 174

Page 168 Itinerary for Touring Though Toronto is a big city, two days are enough to fall in love with it. Once you start exploring the city, you feel the diversity and high energy of the local crowd. People here are enthusiastic and innovative, visible through their art and different types of businesses. If you want to see the best of Toronto in just 48 hours, here's how you should spend your time. DAY 1 In Toronto MORNING: Start your day by walking through St. Lawrence market. Here you don’t have to worry about breakfast; there are over 100 different producers of local foods, drinks, and handcrafts at this 208-year-old market. Don’t sweat if you’re vegetarian or vegan, as there many options here for every foodie. You can also visit the Distillery district, where Victorian-era buildings built in 1832 and modern businesses thrive together. AFTERNOON: Visit Royal Ontario Museum, which is approx. 15 mins (3.6 km) far from St. Lawrence market EVENING: The next stop is the famous CN Tower. Enjoy beautiful views from the top of the building. The iconic building is surprisingly not a tourist trap with high prices; you can enjoy different offers, making reservations at average prices. Get 360 views of Toronto while enjoying delicious food, and you can also try walking on the world-renowned Glass Floor or the SkyTerrace. By visiting here in the evening, you can see the sky changing its colours and enjoy the cool breeze.

Page 169 Toronto Tourism Living in Toronto 176

Page 170 DAY 2 MORNING: Start your morning with bright, colourful views of Graffiti Alley and Downtown Toronto. Graffiti Alley is right behind Queen Street West and is filled with colourful creativity from local and international artists and is one of a kind. Going further east along the lane, you’ll land in Central Toronto and see the famous and instagrammable Toronto sign, City Hall, Hockey Hall of Fame, and the YoungeDundas Square. The art on the wall keeps changing every few months, so there will be new art to explore every time you visit it. NIGHT: Enjoy Toronto’s nightlife by dancing it out at a jazz club. The city is also famous for the world-famous Toronto Jazz Festival. More than 20 clubs in the city offer different jazz vibes for you to groove on. Or check out local cuisine and local street food. No matter what your taste or mood is, Toronto has it all. AFTERNOON: Visit Casa Loma, the only castle present in the Northen American hemisphere. This majestic castle has more than 90 rooms, secret passageways, and widespread gardens. It is a historic landmark and museum. The tickets to enter Casa Loma for adults are $40 and for children is $20, and it's just 20 mins ( 4.4 km) from Central Toronto. Here you can enjoy the history of Toronto and its pretty views. EVENING: Spend the evening in one of the biggest shopping centres, Toronto Eaton Centre. It is a shopping mall with an office complex with more than 235 shops with a great look. From chocolates and clothes to antiques and art pieces, you will find everything here, so shop for a memoir or gifts for your loved ones.

Page 171 Tourism Living in Toronto 178

Page 172 WHAT TO BRING WITH YOU TO CANADA? Make sure to list all items you bring along with you and any additional items you may bring in the next year or so. You will need to present this list to the Canada Border Agent at Customs to be exempt from import duties or Taxes.

Page 173 TIP Please be careful with your electronic items here as some devices don't work properly because of the difference in power supply and electronic sockets. MANDATORY ITEMS Include an additional prescription from your Passport physician Letter from a physician with Student Visa medical history, written in English, Other Government issued identification preferably Medical records (copy) if you have Letter of acceptance to College Proof of finance Debit/Credit Cards, Money in Canadian Dollars Complete the mailing address and phone a chronic medical condition NON- MANDATORY ITEMS Electronic Appliances: Please do not carry number of where you will stay in Canada your straighteners, curling irons, etc., List of emergency contacts and other because they don't work here. important addresses- at home and in Clothing; these items can be purchased Canada once you arrive in Canada Airline booking and other travel confirmations International Driver’s License (if applicable) Contact lenses or glasses Miscellaneous For School (these items can be purchased once you arrive in Canada.) Home Comforts ITEMS Any favourite non-perishable food or Medical: For carry-on baggage. spices All prescription medications with the original packaging. Any favourite kitchen items or dishes? Pictures of friends and family Tourism Living in Toronto 180

Page 174 DISTANCE TO POI NIAGARA FALLS DISTANCE BETWEEN TORONTO & NIAGARA FALLS IS 72 KILOMETERS. DRIVING DISTANCE FROM TORONTO TO NIAGARA FALLS IS 128 KILOMETERS. IT TAKES 2 HOURS TO REACH THERE BY BUS NEW YORK DISTANCE: 790 KM DRIVING ROUTE: 8 HR 27 MIN - 790 KM AIR: 90 MINS TRAIN: 13 HOURS OTTAWA DISTANCE: 351.31 KM DRIVING ROUTE: 448.29 KM AIR: 351.31 KM

Page 175 MONTREAL DISTANCE: 1,005.51 KM DRIVING ROUTE: 1,087.39 KM AIR: 502.50 KM VANCOUVER DISTANCE: 3,358.12 KM DRIVING ROUTE: 4,261.58 KM AIR: 3,358.12 KM CN TOWER DISTANCE: 3.13 KM DRIVING ROUTE: 3.90 KM Tourism Living in Toronto 182

Page 176 IMMIGRATION IMMIGRANTS PROGRAM Immigration in Toronto is rising in large numbers as Toronto’s position climbs to the best city to live in. Immigrants make up a significant part of Toronto’s population. The city of Toronto provides various ways for foreigners to apply to move here and become a citizen. There are many programs active all over Canada, but these are the top 4 ways you can get immigration from programsExpress Entry: Federal Skilled Worker (FSW) The Ontario Immigrant Nominee Program (OINP) You can also get Toronto immigration by obtaining a postgraduate or master's degree in Toronto through the Post-Graduate Work Permit (PGWP). You can also apply for a Canadian work permit that entails that you are required for a specialized job position. NEW IMMIGRANT’S SUBSIDIES Toronto has a long history of welcoming people from all over the world. Toronto is the Canadian city with the highest number of immigrants arriving, followed by Vancouver. About 78,816 immigrants were held in Toronto in 2021; this number will only rise as international COVID restrictions relax. The government of Toronto assists newcomers through different subsidies and programs, such as:

Page 177 Newcomer settlement and community support services: These agencies provide information and support on a variety of key matters, housing, education, registering your child in school, learning English or French, employment, health, transportation, the law and legal services, your rights and responsibilities, Ontario society, filling out forms, etc. ServiceOntario - Provides general information on government services, from vehicle licences to business registrations, citizenship and immigration applications, visa requirements, refugee issues, etc. Newcomer settlement program - Helps find your community, housing, schools, and other programs. Ontario Bridge Training - This program is designed to help skilled immigrants obtain their licenses and certifications to work in Ontario. Language interpreter services - Provide interpreter services to service providers across Ontario so that these clients can communicate with those with limited English or French language skills, are deaf, orally deaf, deafened or hard of hearing, or have been victims of domestic violence or sexual assault. You can also visit the following websiteshttps://orientationontario.ca/en/ which has orientations and information sessions for newcomers to Ontario. Settlement.org the Housing Help Association of Ontario online or by: 905-526-8100 info@hhao.ca Immigration Living in Toronto 184

Page 178 WHAT HAPPENS WHEN YOU ARRIVE IN CANADA When you land in Canada, your identity will be checked to ensure you are the same individual approved to travel to Canada. How this is done will depend upon where you enter Canada. At ten major Canadian airports, your fingerprints will be checked automatically at a primary inspection kiosk; the system will check your identity against the data gathered when your application was submitted. At smaller airports and all land ports of entry, your fingerprints might be checked if you get referred for a secondary inspection. A border services officer will utilize a fingerprint verification device to verify your fingerprints.

Page 179 ENTRY TO CANADA VISITORS, STUDENT AND WORKERS You should pass the identity check and meet the entry prerequisites to enter Canada. If you see a border services official, the official may: Stamp your passport Tell you how long you can remain in Canada You're permitted to stay in Canada for six months. Limit or extend your time in Canada to cover the purpose behind your visit If your passport wasn't stamped, or if you used a primary inspection kiosk, you can remain in Canada: For six months from the day you first entered the country Or until your passport expires, whichever comes first. If you need a stamp, you can ask a border services officer for one. If you arrive at an airport that uses primary inspection kiosks, ask the border services officer after you finish at the booth. PERMANENT RESIDENTS If you applied for permanent residence from outside of Canada and you arrive in Canada for the first time, see the entry necessities for your program to figure out more about the process: Skilled immigrants (Express Entry) Provincial nominees Quebec-selected workers Start-up Visa Program Sponsoring your spouse, partner or children Sponsoring your other eligible relatives Immigration Living in Toronto 186

Page 180 ONTARIO'S NEWCOMERS PROGRAMS NEWCOMER SETTLEMENT PROGRAM Get settled in your community; find housing, a job or childcare service; register your children in school; and access other programs. ONTARIO BRIDGE TRAINING Ontario Bridge Training programs help skilled newcomers get their license or certificate in their profession or trade to work in Ontario. LEARN ENGLISH OR FRENCH You can choose from various adult language training classes to help you develop the English or French language skills needed to work and live in Ontario. GLOBAL EXPERIENCE ONTARIO Global Experience Ontario can help internationally trained and educated individuals determine how to qualify for professional practice in Ontario.

Page 181 LANGUAGE INTERPRETER SERVICES Supports the delivery of interpreter services to enable service providers across Ontario to communicate with their clients who have limited English or French language skills, are Deaf, orally deaf, deafened or hard of hearing, and are victims of domestic violence, sexual violence or human trafficking. OPPORTUNITIES ONTARIO It allows international students to stay permanently in Ontario, employers and investors the opportunity to recruit and retain highly skilled foreign workers, and foreign workers the chance to live and work in Ontario permanently. ONTARIO IMMIGRATION Welcome to Ontario, the most multicultural province in Canada, where half of all new immigrants make their home. Ontario is a land of opportunity. It is a prosperous, democratic society built by the hard work of generations of immigrants. Immigration Living in Toronto 188

Page 182 TORONTO FACTS There are about 5,726 restaurants, bars and coffee shops in Toronto.

Page 183 MIGRATION The Ontario government plans to accept 100 immigrants under their Entrepreneur stream over the next two years. The Ontario government has asked to double the number of newcomers they can recruit through their nominee program from 9,000 to 18,000 per year. People in Toronto can walk to an average of 1 restaurant, bar and coffee shop in 5 minutes. Toronto is Canada's 3rd most walkable large city, with 2,615,060 residents. Immigration Living in Toronto 19 0

Page 184 #1 REASON WHY TORONT ATTRACTS IMMIGRANTS

Page 185 217.3% POPULATION GROWTH FROM 2021 IN TORONTO Toronto attracts thousands of immigrants every year. Ontario’s immigrant population growth shows a staggering 217.3% growth from 2021, and more than 45% of the immigrant population has moved to Toronto. So why do people choose Toronto over other major Canadian cities like Montreal and Vancouver? Growth is the main reason people choose Toronto; growth in career, better healthcare, housing and education, more communal touch, and more fun participation options, etc. Undoubtedly there isn’t just one reason why so many people move here, so let’s look at other reasons why Toronto attracts so many immigrants. 45% IMMIGRANT POPULATION MOVED TO TORONTO Immigration Living in Toronto 192

Page 186 IMMIGRATION FACTS TORONTO RESIDENTS NOT CANADIAN IMMIGRANTS 395,295 2,296,370 1,266,005 CITIZENS BEFORE 1981 294,065 NON-PERMANENT 187,950 93,575 2011 TO 2016 RESIDENTS

Page 187 IMMIGRATION ACCOUNTS FOR OVER 94% OF CANADA’S POPULATION GROWTH IN Q2 OF 2022 Immigration Living in Toronto 194

Page 188 HOW TO FIND ACCOMMODATION IN CANADA SHORT-TERM ACCOMMODATION IN CANADA If you don't have a place to stay when you land in Canada, you need to find a place to rent temporarily. Don't delay till the last minute to do this, as the more you wait, the higher the costs because cheaper accommodations get booked faster. You can either: Book a hotel room, best through a reservation websites or Book a condo or a room through Airbnb for less expensive rates. You are not able, and it isn't advisable to rent an apartment a lot before arriving (except if you find a friendly ​landlord and want to risk not verifying that the place exists, beware of scams). Where to search for an Apartment? You can search for a place to rent in your local newspapers, on Facebook groups and sites like Craigslist and Kijiji. You can likewise utilize professional renting websites like RentHello, or RentFaster. Be careful with scams if you want to rent a house or apartment before landing; it is highly inadvisable. Another choice is to go to the neighbourhood you are interested in and search for signs and postings of available apartments or rooms.

Page 189 WHAT TO EXPECT WHEN RENTING IN CANADA Landlords will generally request information about you to ensure you can pay rent. Examples of documents that could be asked for: Pay slips or any document proving income. Bank statements with proof of enough money to pay for the first few months of rent. Letter of reference from a previous landlord, saying you are a good tenant that paid rent on time. If you do not have a credit history and have not worked, many landlords will fear lending you their apartment, which can be very inconvenient for newcomers. However, it would help if you continued looking until you find an understanding landlord(yet you want to show that you have sufficient money in your bank account, or you can propose to pay the first few months in advance). Apartments for rent generally start on the 1st of the month (sometimes, a few rentals are accessible on the 15th). It would help if you landed about fourteen days before the month's end so you could look around and find the perfect apartment for you. It would help if you advanced at least half of the monthly rent as a security deposit for most apartment and house rentals in Canada. Most rentals in Canada are not furnished. To get the best arrangements on furnishings (second-hand), hold on till the end of June. In Quebec, for instance, it is a tradition that leases begin on the 1st of July and end on the 30th of June. Be careful with that while picking your moving date. Landlords, in many areas, have the right to increase the rent every 12 months, but they have to advise you usually 90 days before the increase, and the government limits the growth. Immigration Living in Toronto 196

Page 190 VISITORS VISA WHO CAN APPLY ELIGIBILITY You should meet a few basic requirements to get a visitor visa. You should: Have a legitimate travel document, like a passport be healthy Have no criminal or immigrationrelated convictions Convince an immigration officer that you have ties, like a job, home, monetary resources or family, that will return you to your nation of origin Convince the immigration officer that you will depart the country at the end of your visit and have sufficient money for your visit. How much money you will require relies on how long you will remain and if you will remain in a hotel or with companions or family members.

Page 191 You may likewise require a clinical test and a letter of invitation from someone in Canada. Check the rundown of reports you want in light of your circumstance. Specific individuals are not permitted to enter Canada. Certain individuals are not acceptable to Canada, implying they are not allowed to enter the country. You can be unacceptable for several reasons, including being involved in the following: Criminal activity Human rights violations Organised crime You can also be inadmissible for security, health or financial reasons. Figure out more about unacceptability. Minor kids travelling to Canada: Ensure you understand what to do if your little kids (kids younger than 18) will go with you, alone, with another person. Immigration Living in Toronto 198

Page 192 How to Get CANADA’S WORK PERMIT VISA? A work permit is a legal report allowing foreign people to participate in work within Canada. Canada Work Grant, or a Work Visa, is an opportunity for qualified foreign workers to work in a particular country for a certain period. Individuals need to apply for a Work Visa after finding a new job offer or a business contract from a Canadian boss. A labour market impact assessment (LMIA) should be obtained from ESDC (Employment and Social Development Canada), which allows the organization to hire skilled personnel for occupations that Canadian residents cannot fill.

Page 193 DOCUMENTS REQUIRED IF YOU APPLY FOR CANADA WORK PERMIT VISA: Passport-sized photos taken recently. Documents proving education qualifications. Application fee Qualifications and experience, and proof of professional qualifications. Get a medical examination from a verified hospital. Passports with a validity of at least six months beyond the date of arrival in Canada are required. Evidence shows they have enough finance to pay for their expenses in Canada. The applicants must also convince the immigration officers that they will return to their home country when their visa expires or when their employment ends. DOCUMENTS REQUIRED IF YOU APPLY FOR CANADA WORK PERMIT VISA: No matter what type of work permit you're applying for, these are the requirements one has to meet: Give proof that you will leave when your work permit expires and return to your home country to the immigration officer. Provide proof of financial help to support your and your family's Canadian stay during your work permit. Provide evidence that you don't have a criminal record Language skills, biometric data, and insurance conditions must be met to prove that you can enter Canada. Your willingness to undergo a medical examination and proof of suitable health. Applicants must prove that they are not a threat to Canada's society. Respect for your work permit's terms and conditions Immigration Living in Toronto 200

Page 194 ELIGIBILITY REQUIREMENTS IF YOU APPLY FOR A WORK PERMIT FROM INSIDE CANADA: To apply for a work permit while living in Canada, here are the conditions one has to fulfill: Proof of valid permit of study. Valid parent, spouse or common-law partner’s study or work permit. Prove that you’re a graduate of a Canadian University Proof of having a six months valid residency permit. Your PR application should be in the process of being processed from within Canada. A claim for refugee status has been made or is being driven by you. You’re recognized as a refugee by the IRCC. You are a trader, investor, or professional under NAFTA (North American Free Trade Agreement. ELIGIBILITY REQUIREMENTS IF YOU APPLY FOR A WORK PERMIT FROM OUTSIDE CANADA: No matter what type of work permit you're applying for, these are the requirements one has to meet: Give proof that you will leave when your work permit expires and return to your home country to the immigration officer. Provide proof of financial help to support your and your family's Canadian stay during your work permit. Provide evidence that you don't have a criminal record Language skills, biometric data, and insurance conditions must be met to prove that you can enter Canada. Your willingness to undergo a medical examination and proof of good health. Applicants must prove that they are not a threat to Canada's society. Respect for your work permit's terms and conditions.

Page 195 Immigration Living in Toronto 202

Page 196 CAN FOREIGNERS INVEST IN TORONTO’S REAL ESTATE MARKET? C

Page 197 FOREIGNERS WHO WANT TO BUY A PROPERTY IN TORONTO, WON'T BE ABLE TO STARTING JAN 2023 C Canada will prohibit foreign nationals from purchasing homes beginning January 2023 - with eminent exceptions for permanent residents and temporary . residents, including temporary workers and international students The actions were part of Bill C-19 - the Budget Implementation Act, 2022 - which got imperial consent on June 23, as the federal government hopes to cool the hot real estate market. Finance Minister Chrystia Freeland says the prohibition on foreign ownership is expected to control house costs in Canada and keep them from ascending so high as to push working people and youthful Canadians out of the housing market. “We will make the market fairer for Canadians,” said Freeland. “We will prevent foreign investors from parking their money in Canada by buying up homes. We will make sure that houses are being used as homes for Canadian families rather than as a speculative financial asset class.” DID YOU KNOW? 80% of immigrants moving to Ontario will decide to live in Toronto. 50% of all new immigrants are between the prime ages of 25-44. 91% of immigrants choose to live downtown and in major urban centres. Immigration Living in Toronto 204

Page 198 Faqs of moving to Does everyone speak French in Toronto? Toronto is a highly multicultural city, and English is the majorly spoken language here. You will find specific individuals in different regions of the country who communicate in French; however, it's rare in Toronto. While French is Canada's second language, it isn't spoken by all Canadians. The French-talking people of Canada are gathered in the east, closer to Quebec. Do I need to tip in Toronto Canada? Tipping is normal in Canada. It is normal to tip 15 - 20% on feasts. You might also have to tip taxis, bistros, hairdressers, and visit administrators, and that is just the tip of the iceberg. In these situations, the amount of tip you want to give is totally up to you and not a compulsion.

Page 199 Toronto Is it always cold and freezing in Toronto? There’s a common phenomenon passing around the world that Toronto is always snowy and cold, which is entirely false. It is not snowing in Toronto all year, though the winters are freezing. The summers are pleasant and happening; you will fall in love with colours and nature during autumn and spring. Generally, the average summer temperature in Canada is 23° and can go up to 40° What's the most effective way to travel in Toronto? As Toronto is a big city, it's easier and cheaper to travel by renting a car. There's also public transportation system, but in smaller, rural or remote areas, public transportation is not available. If you want to travel from Toronto to other cities, then you can travel by bus and train as there are plenty of them in the town, but remember to check the ticket fares beforehand as the cost can likely be high. And if you're travelling across the city, you might also not have the time to wait for a bus or train, especially if it's raining or snowing. So I'd say that renting a car in Toronto is the best way to travel if you're visiting as it gives you the flexibility to reach different locations per your time requirements and lower price ranges. You can also check out the option of booking cabs on cab booking apps like Uber. Resources Living in Toronto 204

Page 200 WHAT IS THE BEST SEASON TO VISIT TORONTO? The best opportunity to visit Toronto is the shoulder season: Spring or late summer. These times you will experience the best climate, the best prices, and lesser crowds. Canadian schools are let out for the mid-year, so popular places are overwhelmed with public and worldwide vacationers. You will have a peaceful vacation if you visit during spring. Before booking your tickets, confirm that the attractions you want to see are open during the spring season or in that month and then plan accordingly. WHAT IS A SIGNATURE CANADIAN DISH THAT I SHOULD TRY? Canada's most well-realized delicacy is maple syrup, a scrumptious addition to pancakes for breakfast. You have to taste these once during your visit to say you did! If you want to try something unique and truly Canadian, you must taste Poutine. This slick dish made out of French fries showered with gravy and finished with cheddar curds might be the world's best headache food.

Page 201 Is Toronto expensive? Yes, Toronto is expensive compared to other major cities. If you want to spend quality time in Toronto, then there are certain times when you can visit. Flight ticket prices drop after the summer season, and costs drop during the autumn and winter when Toronto is quiet and more relaxed. Or, if you want to visit the top attractions of Toronto, you can check deals and offers on flight and hotel bookings and visit local food stores and restaurants for quality food at cheaper rates; Toronto has many options. How far is Niagara Falls from Toronto? Niagara fall is one of the world's most extraordinary cascades and is on the list of must-dos of numerous explorers. Toronto offers you the ideal passage to this everyday miracle as it is only 80 miles from Toronto and is around a 1 hour and 45 minutes drive from the city. You can either drive, take the transport or get on a train from Toronto to Niagara Falls. Am I likely to see wildlife? Why is Toronto called the 6? Seeing wildlife entirely depends on where exactly you visit Canada. Since Canada has a lot of natural habitats, you might see few wildlife animals. But don't expect to see them in urban areas such as Toronto, Vancouver, Quebec, etc. Canada is famous for wolves, mountain lions, deer, bears, beavers, moose, caribou, etc., which you will see only near the forest or reserved areas. Toronto is known as the six because rapper Drake mentioned his old neighbourhood as the 6 when he named his collection, 'Views from the 6'. The name is also accepted because of the area codes of the city, 416 and 647, and it is now a unique piece of Toronto's personality. Resources Living in Toronto 206

Page 202 EMERGENCY RESOURCES Toronto Police Headquarters 416-808-2222 40 College Street, Toronto, Ontario, M5G 2J3 CITY NUMBER - 311 Toronto provides residents, businesses and visitors with easy access to non-emergency City of Toronto services, programs and information 24 hours a day, seven days a week and can offer assistance in more than 180 languages. NON-EMERGENCY - The police nonemergency line 416-808-2222 allows residents to connect with police services, personnel and programs. EMERGENCY - 9-1-1 is only to be called for emergencies that require immediate assistance from a police officer, a firefighter or a paramedic. CRIME STOPPERS - Anonymous reports about crimes that have occurred or that you believe will happen in the future can be made to Crime Stoppers Toronto. Crime Stoppers can be contacted anonymously in Toronto at 416222-TIPS (8477) or toll-free at 1-800-222-TIPS (8477) from anywhere in North America. Cash rewards of up to $2,000 can be collected through an approved bank. Toronto Hydro - Call 416-542-8000 (Ext. 1) to report a power outage emergency.

Page 203 TORONTO PARKS & RECREATION PARKS AND GENERAL INQUIRY 416-392-1111 UTILITIES TORONTO CITY HALL 416-397-2489 MAYOR JOHN TORY 416-397-2489 PERMITS 416-392-8188 ACSESS TORONTO 416-338-0338 ALLAN GARDENS 160 GERRARD ST. E. TORONTO, ON M5A 2E5 416-392-7288 TORONTO HYDRO CALL CENTRE 416-542-8000 REGISTRATION CALL-CENTRE 416-338-4386 FITNESS HOTLINE 416-338-8348 ISLAND INFORMATION LINE 416-397-2628 LAWN HOTLINE 416-397-8596 POOL HOTLINE 416-338-7665 RINK HOTLINE 416-338-7465 RIVERDALE FARM 201 WINCHESTER ST. TORONTO, ON M4X 1B8 416-392-6794 METRO TORONTO ZOO 2000 MEADOWVALE RD. TORONTO. ON M1B 5K7 416-392-5900 HILLCREST COMMUNITY CENTRE 1339 BATHURST ST. TORONTO. ON M5R 3E6 416-392-0746 EARL BEATTY COMMUNITY CENTRE 455 GLEBEHOLME BOULEVARD, TORONTO, ON M4C 1V3 416-392-0752 REGISTRY SERVICES FOR ASSESSMENT ROLLS, BIRTH REGISTRATION & TRAVEL LETTERS, LINE FENCES, LLIQUOR LICENSE CLEARANCE AND MARRIAGE LICENSES 416-392-7036 CITY PLANNING, CUSTOMER SERVICE, TORONTO CITY CALL 100 QUEEN STREET W. 416-392-7539 ETOBICOKE YORK DISTRICT 2 CIVIC COURT, ETOBICOKE 416-394-8002 NORTH YORK DISTRICT NORTH YORK CIVIC CENTRE 5100 YONGE STREET 416-395-7000 CONTACTS FOR SENIOR CITIZENS LOST/MISPLACED SENIORS CARD 1.800.277.9914 INQUIRIES FOR VULNERABLE SENIORS 416.314.5065 VICTORIAN ORDER OF NURSES TORONTO AND YORK REGION 905.479.3201 ONTARIO DRUG BENEFIT PROGRAM SENIOR CITIZENS TOLL FREE- 1-888-405-0405 SENIORS FOR SENIORS 905.479.3201 Resources Living in Toronto 208

Page 204 BROWN COMMUNITY CENTRE 454 AVENUE RD. TORONTO, ON M4V 2J1 416-392-6826 ALEX DUFF MEMORIAL POOL 779 CRAWFORD ST. TORONTO, ON M6G 3K4 HOSPITALS & CLINICS KIDS HELP PHONE 1.800.668.6868 OPP REGIONAL HEADQUARTERS 905.841.5777 CRIME STOPPERS 1.800.222.8477 NORTH TORONTO MEMORIAL COMMUNITY CENTRE 200 EGLINTON AVE. W. TORONTO. ON M4R 1A7 416-392-6591 TORONTO GENERAL HOSPITAL 416.340.4800 JOSEPH J. PICCININNI COMMUNITY CENTRE 1369 ST.CLAIR AVE. W. TORONTO, ON M6E 1C5 416-392-0036 THE HOSPITAL FOR SICK CHILDREN 416.813.1500 ALEXANDRA PARK COMMUNITY CENTRE 105 GRANGE CT. TORONTO, ON M5T 2J6 416-603-9603 MOUNT SINAI HOSPITAL 416.586.4200 REGENT PARK COMMUNITY CENTRE 402 SHUTER ST. TORONTO, ON M5A 1X6 416-392-5490 JIMMIE SIMPSON REC CENTRE 870 QUEEN ST. E. TORONTO, ON M4M 3G9 416-392-0751 PARKDALE COMMUNITY RECREATION CENTRE 751 LANSDOWNE AVE. TORONTO, ON M6K 2V7 416-392-6696 ST. MICHAEL'S HOSPITAL 416.360.4000 SUNNEYBROOKE HEALTH SCIENCE CENTRE 416.480.6100 BANKS: RBC - 1-800-769-2511 BMO - 1-800-363-9992 TD CANADA TRUST - 1-866-222-3456 CIBC - 1-800-465-2422 SCOTIABANK 1-800-267-1234 MALLS: Toronto Eaton Centre The PATH - Sears-Eaton CentreCadillac · Near Toronto Eaton Centre +1 416-598-8560 Yorkdale Shopping Centre 3401 Dufferin St +1 416-789-3261 CF Toronto Eaton Centre 220 Yonge St +1 416-598-8560 CF Fairview Mall 1800 Sheppard Ave E +1 416-491-0151

Page 205 AIRPORTS 10 Dundas East 10 Dundas St E · Near Toronto Eaton Centre +1 416-591-2220 Centro de convenciones 255 Front St W · Near CN Tower, Toronto TORONTO PEARSON INTERNATIONAL AIRPORT www.torontopearson.com Terminal 1 416-247-7678 Terminal 2 416-776-5100 CF Sherway Gardens Etobicoke, ON, Canada +1 416-621-1070 JOHN C. MUNRO HAMILTON INTERNATIONAL AIRPORT 905-679-1999 www.hamiltonairport.com Woodbine Mall & Fantasy Fair Etobicoke, Toronto - ON, Canada +1 416-674-5200 OTTAWA INTERNATIONAL AIRPORT 613-248-2000 www.ottawa-airport.ca Dufferin Mall 900 Dufferin St, Toronto, ON, Canada +1 416-532-1152 CF Shops at Don Mills 1090 Don Mills Rd., Toronto +1 416-447-6087 Cloverdale Mall 250 The East Mall, Toronto +1 416-236-1668 Cedarbrae Mall 3495 Lawrence Ave East, Toronto +1 416-431-2003 Gerrard Square 1000 Gerrard St East, Toronto +1 416-461-0964 Yorkville Village 55 Avenue Rd Suite 2250, Toronto +1 416-968-8680 Bayview Village Shopping Centre North York, ON, Canada +1 416-226-0404 Atrium 595 Bay St., Toronto +1 416-775-8200 Galleria Shopping Centre 1245 Dupont St, Toronto +1 416-533-2317 LONDON INTERNATIONAL AIRPORT 519-452-4015 www.londonairport.on.ca WESTJET AIRLINES Terminal 3 1-877-538-5698 www.westjet.com AIR CANADA Terminal 1 1-888-247-2262 www.aircanada.com CANJET AIRLINES Terminal 3 1-800-809-7777 www.canjet.com AMERICAN AIRLINES Terminal 3 1-800-433-7300 www.aa.com DELTA AIRLINES Terminal 3 1-800-221-1212 www.delta.com US AIRWAYS Terminal 1 1-800-428-4322 www.usairways.com AIR MALTA 416-604-4112 TORONTO www.airmalta.com Resources Living in Toronto 210

Page 206 TRAINS VIA RAIL 1-888-842-7247 www.viarail.ca GO TRANSIT 1-888-438-6646 YORK REGION TRANSIT 1-8566-744-1119 50 HIGH TECH RD. RICHMOND HILL, ON L4B 4N7 www.yrt.ca DURHAM TRANSIT (905) 579-2471 BUSES GREYHOUND CANADA 1-800-661-8747 www.greyhound.ca TORONTO TRANSIT 416-393-4636 www.ttc.ca MISSISSAUGA TRANSIT 905-615-4636 www.mississauga.ca/portal/miway BRAMPTON TRANSIT 905-874-2750 www.brampton.ca/en/residents/transit TAXI CITY OF TORONTO www.toronto.ca TORONTO PUBLIC LIBRARY www.torontopubliclibrary.ca T.T.C. www.ttc.ca/ MOUNT SINAI HOSPITAL www.mtsinai.on.ca/ ST. MICHAEL'S HOSPITAL www.stmichaelshospital.com TORONTO GENERAL HOSPITAL PRINCESS MARGARET HOSPITAL TORONTO WESTERN HOSPITAL www.uhn.ca ENERSOURCE www.enersource.com ENVIRONMENT CANADA WEATHER OFFICE www.weatheroffice.ec.gc.ca GO TRANSIT www.gotransit.com/

Page 207 CITY NUMBER 311 NON-EMERGENCY 416-808-2222 EMERGENCY 911 CRIME STOPPERS 416-222-TIPS (8477) Resources Living in Toronto 212

Page 209 Coupons Living in Toronto 214

Page 211 Coupons Living in Toronto 216 2022-23 Living in Toronto 12

Page 212 Copyright 2022 Adnan Feroz Copyright ©© 2022 byby Adnan Feroz

Page 213 2022-23 12 Living Coupons Living in Toronto in 218 Toronto

Page 214 Image Credits Hutima - Nathan Philips Square Roger Centre - Taxiarchos228 Jurassic Park - TorontoRaptors Abazz - BMO Coolcaesar - Metro Centre Paperfire - Scotia Bank Arena Xavier Snelgrove - little italy sign maren krüger portugal chensiyuan - Koreatown booledozer - Little Jamaica The City of Toronto - Chinatown VIA Rail Images Credits : www.viarail.ca RANKED THE BEST CITY IN CANADA & ONE OF THE BEST IN THE WORLD

Page 216 ABOUT THE MAGAZINE Community guides are one of the best resources to get trim details of a city that one has to search for relentlessly. Do you want to know which are the toprated restaurants in Toronto? Do you want to know what immigration programs are active in Toronto? Where can you get an excellent Instagram background? Now you don’t have to look any further as this community guide has it all. It will help you know and understand the city from a new perspective. It has every important detail of the town. From its pronunciation to the industries, employment opportunities, immigration, government services, health care, top schools and universities, fun activities you can take part in, sports, attractions, leading stores. shopping centers, amusement parks, the nightlife as well as the best instagrammable places in the city. The community guide will help you find the best and top-rated services, so you don’t have to worry about relying on random google reviews. Precise and apt, this community guide will provide you with every detail you’ll ever need about this city. With this guide by your side, be ready to enjoy Toronto with a whole new view and the most recent and essential updates of the city. Multiculturally rich and technology-driven, the city of Toronto offers top-quality education, highly sought employment opportunities, excellent medical assistance, elegant architecture, picturesque alleys, delightful food, beautiful parks and gardens, and the list goes on and on. When the city is this powerpacked, one is bound to fall in love with it, and it’s undoubtedly quite an adventure to know the real Toronto. And this is what the author wants to share with his audience. A Serial Entrepreneur, International Best Selling Author, Award Winning Realtor, Speaker, 90-90 Strategist, Real Estate Investment Expert, YouTuber, Content Creator and a father, Adnan Feroz brings you one of the best Toronto community guides you can put your hands on! Whether you’re looking for information on Toronto’s history or the latest updates, this community guide has you covered.