Monthly Archives: November 2013

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H2S Certification in Canada

The EEO laws in Northern Canada require any company that is regulated by the federal government provide equal opportunities to four groups: aboriginal people, women, the disabled and noticeable minorities. The Employment Equity Act was put in place so that no person of Canada be discriminated against. If you are Canadian ready and willing to work, able to perform the duties of the job than you cannot be denied employment according to the law.

The H2S certification, regardless of your race, creed, color or disability can be your key to entry with one of the petroleum and oil companies in Northern Canada. According to the law if you are certified and can handle the work that is required of the position you cannot be turned down for employment, see a full guide to the hazards involved at www.h2saliveonline.ca.

There are eleven grounds for discrimination under Canadian law. Every company that does business in Canada is not allowed to discriminate against anyone based on their gender, disability or race or any of the other eleven grounds for discrimination that is part of the Human Rights Act. The easiest way to learn about H2s I would say is to go to youtube and type H2s, great informational videos like these come up:

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Under Represented

There are certain groups that are grossly underrepresented in the oil and petroleum industry. Those groups include women and the disabled. If you fall into either of these two categories getting your H2s certification can easily help to even out the playing field.
The companies that offer employment in the oil and petroleum industry are heavily regulated by the federal government and absolutely fall under the Employment Equity Act. If you have the ability to perform the duties and are certified in H2S than there is no reason that you can be turned away from a job.

Historically this type of work has been considered “mans work” but in today’s world there is no such thing as “man’s work” when everyone needs to make a living. As one of the underrepresented groups in the industry you can easily become employed. If you are disabled or a minority you can also easily find employment in this industry with your h2s certification which covers the safety of hydrogen sulfide.

The H2S Alive Course

H2S certification course takes 8 hours, one day. The course is comprehensive and will teach you everything you need to know to get your certification and ultimately a job. The course is the ticket to employment. Without H2S certification you cannot work in any of the oil and petroleum jobs in Canada. Get your certification and get a great paying job under the EEO Laws!

Status cards in Canada are reserved for certain individuals that meet the requirements that are necessary to hold a status card. There are different types of status cards in Canada, but two of the most popular types are the SPC card reserved for students in Canada or the Indian status card that is designed for Indians. Both of these status cards have different requirements for qualification, but both status cards offer discounts on merchandise.

What Types Of Discounts

The amount of discount that you receive with your status card depends on the type of card that you have. However, student status cards can result in 10 to 15 percent off of your entire purchase. Indian status cards allow you to also avoid the additional tax. This makes it beneficial to shop and use your status card to get discounts on merchandise in stores like Wal-Mart or other retailers.

How a Canadian Status Card Works

status cards

Each status card works differently, but each card is a type of reward or loyalty program for a specific demographic. For example, the student status card is reserved for both high school and college students living in Canada. The rewards that can be obtained by simply using this card are accessible from thousands of retailors and stores throughout Canada. Each time individuals shop using their status card, they are automatically given instant savings from retailers that participate. These instant savings can really add up, which makes it beneficial to shop using your status card in Canada. Learn more at the official government site here.

Status Cards Not Valid At Every Store

You simply sign the back of your card and show your status card at the time of purchase. This will give you access to saving on certain merchandise and the total sum of your purchase. You can access a list that will give you all the participating retailers that acknowledge Canada status cards. Large retailers like Wal-Mart do acknowledge status cards.

Some Restrictions Apply

The cardholder of the status card must be present for the purchase and savings to be valid. Each status card works slightly differently and adds up to different savings amounts. It is important to always be aware of the type of status card that you have and the restrictions that apply to use of this card in Canada. Most status cards have an expiry date and are valid for only one year.

Bad credit loans are designed for individuals that have poor credit, but also need to obtain small loans quickly. If used responsibly, bad credit loans can be a great resource for low income earners. If you don’t make a lot of money, you most likely have no savings account for emergencies. Therefore, when an unexpected expense does arise, you can obtain a bad credit loan to cover your costs and act as a cushion until your next paycheck.

How To Use a Bad Credit Loan

bad credit loans

Bad credit loans often come with high interest rates that are used to offset the risk of lending to individuals with poor credit, Sarah from bad-credit-loans.ca blogs about these issues frequently. However, if you are a low income earner that is not prepared to pay back your bad credit loan on time, you can rack up a lot of debt. It is best to only obtain bad credit loans for amounts that you are able to repay within mere weeks. This means that you simply use a bad credit loan as an advance on your paycheck and repay the loan after you have caught up with your unexpected expenses. Most bad credit loans are short-term loans that must be repaid within weeks. This means that failure to repay can result in additional fees and interest charges. If low income earners understand the risks of bad credit loans, they can better avoid falling for this common pitfall. Some lenders use very risky tactics and hidden fees to make their business extremely profitable, take a look at Wonga’s ad commercial video for instance:

Benefits of Bad Credit Loans

Although bad credit loans come with higher interest rates and shorter payback periods, there are still many advantages associated with this type of loan for low income earners. Bad credit loans have very simple qualification terms and simply require you to have a checking account and proof of employment, something that auto lenders may take advantage of. You are normally given a bad credit loan based on your weekly income. This means that bad credit loans are often for small sums of money, but these small sums of money are easier for low income earners to repay. The subprime mortgage crisis is a classic case of bad credit loans which could happen in australia.

No Established Credit Necessary

Unlike traditional loans, you don’t have to have great credit to qualify for bad credit loans; instead credit is not a part of the qualification process at all. This is ideal for most low income earners, because many low income earners have poor credit and can’t qualify for traditional loan options. This means that when an emergency arises, bad credit loans are often the only option. This type of loan can be helpful to low income earners if used responsibly and repaid in a timely manner.

Drinking and driving is an incredibly serious offense in British Columbia, Canada, which can result in not only legal ramifications, but can also be financially devastating. Before you get behind the wheel of a car with alcohol in your system, you should first consider what you could be potentially risking. Your entire livelihood and bank account could be lost with just one lack of judgment. If you do not want your life savings to be at risk, you will take the precaution necessary before you drive drunk or seek adequate representation and defense against your charges.

Canadian Law

All crimes of driving impaired, reckless driving or refusal to give a breath sample require a defense. These crimes personal injury lawyerare serious and have very severe ramifications that can result in both jail time and the loss of money. Lawyers will be making serious profits off your misfortunes. Having this blemish on your driving record can have serious consequences that only result in additional costs. Therefore, drinking in driving is not worth the charges that could presumably ruin your life. For accurate information you will want to take a look at CANLII

Drunk Driving and Insurance

Driving under the influence can cost you a lot of money in higher insurance premiums. After a DUI offence, you will be seen as a high risk driver, which means that your insurance provider will raise your premium. Since drunk driving is both risky and dangerous, your premium will rise considerably. This raise in monthly premiums will quickly add up and be very costly to you over a long period of time. Therefore, if you don’t want your bank account to be at risk, you will fight your DUI charges with a Canadian lawyer such as seen with the information on personalinjury-lawyer.ca.

Consequences of Conviction in Canada

Being convicted of driving under the influence in Canada can result in a criminal record and even a 90 day suspension of your license. If you have a job where your license is necessary, you may even be at risk of losing employment. You would be forced to take out high interest loans from online lenders. Higher insurance premiums aren’t the only added expense that you might have to pay. Many DUI charges are also accompanied by other penalties that can really devastate your bank account. Not to mention the cost of reinstating your license, paying your car loan off and paying for all of your legal fees.

Drinking and Driving Isn’t Worth It

Drinking and driving not only puts lives at risks, but it can also be financially crippling. You will not only face legal ramifications that can hinder your life, but you will also pay huge monetary penalties that will devastate your bank account.

Even if you have bad credit and low income, that doesn’t mean that you shouldn’t have access to a credit card. Paying off a credit card regularly can help you reestablish your credit and have access to cash in the case of an emergency. However, simply having bad credit means that it will be difficult for you to qualify for a traditional credit card. It can be troublesome due to the fact that you need a credit card to establish your credit, but you can’t get a credit card with bad credit. This common problem has led to the invention of non-traditional credit cards that are specifically designed for individuals that don’t meet typical lending qualifications. Low interest rates have led to a ballooning of personal household and credit card debt in countries like Canada as well as the USA.

Less Options to Choose From

If you have a pristine credit rating, you can have your pick of different credit card lenders and choose options with the lowest interest rates and other great features. However, if you have poor credit, you must take what you can get when it comes to credit cards. This might mean choosing form credit cards that have high fees or high interest rates. Although you don’t have as many options, you can still choose from a variety of bad credit cards that are designed for individuals in your predicament. Visa’s official site may have more information on this, but they won’t necessarily offer any credit cards for fellow Canadians. Look into credit card reviews such as the review on Creditwalk.ca of the Capital one mastercard.

Check Your Credit Report Before You Begin Searching

When looking for a credit card with bad credit, you want to make sure that your credit report is accurate and not credit cardsworse than it should be. It is best to know what your actual credit score is and obtain a free credit report that you can check for accuracy. If you notice a discrepancy between your statement and what you think you owe, you will want to look into things further in order to know if you a victim of any sort of fraud. It’s free to check your credit score in Canada by letter mail, however if you want instant access you will need to delve into things a bit further online and pay the fee to see the reports online. Visit Equifax for more information on credit scores.

High Credit Risk Credit Card: Secured Credit Card

If you have bad credit and have a credit score that is

  • 500 or below
  • you will most likely be considered a very high credit risk among lenders
  • This means that you don’t qualify for typical credit card options and must consider secured credit card options

Which can help reestablish your credit. In order to obtain a secured credit card, you must pay a security deposit that is used as collateral on your credit card. The amount of your security deposit will often match the actual limit of your credit card. This means that the lender faces no risk and will be willing to issue you a credit card that can help you rebuild your credit rating.