Tuesday, 2 September 2014
加拿大“淘金”热地 薪水究竟有多高
加拿大各地人涌向亚省“淘金”已经不是什么秘密了。亚省稳速发展的经济和高就业机会吸引了许多加拿大人离开自己的省份，告别不断上升的失业率，去西部寻求富裕的生活。
亚省薪水高
下面收集了亚省一些常见岗位的平均薪资以供参考。像所有领域或行业一样，一个人在不同公司、不同城市挣钱多少有很大差异，收入还与个人工作经验有关，而且有些公司“发饷”的形式不仅限于薪水支票。
希望了解亚省某些职业的收入潜力？请看下面这些工作的时薪及年薪。
酒店经理
平均工作时间（每周）：42.2小时
总体平均每小时薪水：24.24加元
亚省平均年薪：$ 52,207.00
救护人员
平均工作时间（每周）：40小时
总体平均每小时薪水：30.35加元
亚省平均年薪：$ 65,436.00
建筑师
平均工作时间（每周）：38.6 小时
总体平均每小时薪水：38.79加元
亚省平均年薪：$ 77,693.00
社会工作者
平均工作时间（每周）：32.2小时
总体平均每小时薪水：40.24加元
亚省平均年薪：$ 67,175.00
警务人员
平均工作时间（每周）：39.3小时
总体平均每小时薪水：72.06加元
亚省平均年薪：$ 147,745.00
计算机工程师
平均工作时间（每周）：38.5小时
总体平均每小时薪水：44.86加元
亚省平均年薪：$ 88,975.00
起重机操作员
平均工作时间（每周）：42.9小时
总体平均每小时薪水：35.90加元
亚省平均年薪：$ 80,626.00
小学教师
平均工作时间（每周）：34.8小时
总体平均每小时薪水：42.98加元
亚省平均年薪：$ 74,679.00
农民
平均工作时间（每周）：47.8小时
总体平均每小时薪水：23.72加元
平均加薪（年）*，亚省：$ 55,776.00
行政助理
平均工作时间（每周）：37.3小时
总体平均每小时薪水：32.59加元
亚省平均年薪：$ 62,411.00
图书馆员
平均工作时间（每周）：35小时
总体平均每小时薪水：32.77加元
亚省平均年薪：$ 62,039.00
石油和天然气钻井工人
平均工作时间（每周）：47.8小时
总体平均每小时薪水：34.94加元
亚省平均年薪：$ 90,511.00
药剂师
平均工作时间（每周）：36.3小时
总体平均每小时薪水：49.49加元
亚省平均年薪：$ 92,677.00
石油工程师
平均工作时间（每周）：39.5小时
总体平均每小时薪水：52.41加元
亚省平均年薪：$ 107,484.00
护士
平均工作时间（每周）：28.8小时
总体平均每小时薪水：42.60加元
亚省平均年薪：$ 63,922.00
人力资源专员
平均工作时间（每周）：39.4小时
总体平均每小时薪水：37.71加元
亚省平均年薪：$ 75,443.00
的士司机
平均工作时间（每周）：40.3小时
总体平均每小时薪水：16.21加元
亚省平均年薪：$ 31,788.00
大学教授
平均工作时间（每周）：44.1小时
总体平均每小时薪水：56.92加元
亚省平均年薪：$ 122,805.00
亚省就业竞争小 劳动力短缺
亚省吸引众多加拿大人西部淘金，不仅因为薪水高，当地的工作机会多就业竞争压力小也是原因之一。
加拿大智库费雷泽研究所的最新研究称，亚省的劳动者工作时间全国最长，同时退休年龄持续延后。亚省人工作时间长的原因是因为劳动力的短缺造成的。
研究中指出，在卡城和爱城的人才市场随处可见，雇主对应聘者说“我会付你比他更多的薪水”。由于缺乏新的、熟练的劳工，雇主不得不请求延迟老员工的退休时间。
8月的加拿大统计报告显示，亚省7月份失业率从4.9% 降到4.5%。以年为基础计算，亚省创造了62,600个工作，使就业率增加了2.8%。
统计局职位空缺率调查数据显示，现在国内工作越来越难找。今年1季度工作机会，去年同比减少了17%。每一个公开招聘岗位，平均有6.8人竞争，这一比例已接近历史最高水平。与此同时，亚省每份招聘岗位平均竞争人数从去年同期的2.2人增至今年的2.4人，远低于全国平均水平。
经济将持续增长
加拿大统计局最新数字显示，亚省目前的增长速度超过了其他任何省份。
皇家银行预测加拿大今年和明年的经济增长强劲，但表示只有亚省的收益增长将对创造就业机会产生真正的影响。亚省2014年3.7%的经济增长率在全国名列前茅，2015年只会轻微放缓至3.5%。
不过，大量人口的涌入也导致了亚省的房市不断火爆。
满银经济师瓜提瑞（Sal Guatieri）表示，对于潜在买家来说，形势不利。要想在这个时候来这里就业，立即买靓屋入住，只有靠运气了。
- See more at: http://www.bcbay.com/life/career/newsViewer.php?nid=163465&id=266505#sthash.fEqtoUWB.dpuf
Monday, 1 September 2014
How to Accept an Email Money Transfer Sent to You by a Tangerine Customer
So you’re at the ticket line at the movies and your friend realizes she doesn’t have her wallet. You agree to pay her way in and she pulls out her phone and emails you the money from her Tangerine chequing account. You thank her and go watch the show. It’s not till you get home that you wonder exactly how you can accept this Tangerine email money transfer and what you have to do to get your money back.
Here’s how you’ll actually get the money deposited into your own bank account and what you’ll need to do it.
What’s In the Tangerine Email Transfer Message?
First, you need to receive the email message that contains the details of the money transfer.
Check your Inbox for a message from the person sending you the money. It will have a Subject or Title line that says:
[Your Friend/Colleague/Relative’s] Name has sent you a Tangerine Email Money Transfer
[Your Friend/Colleague/Relative’s] Name has sent you a Tangerine Email Money Transfer
Open the message.
The email message will say you have until a specific date to accept the money.
For my test, the transfer was sent on July 14.
The note says it must be accepted by August 13.
(Both are business days.)
The email message will say you have until a specific date to accept the money.
For my test, the transfer was sent on July 14.
The note says it must be accepted by August 13.
(Both are business days.)
The message will also include an Email Money Code and the last name of the person who sent you the money.
To Accept Your Email Money Transfer to Permit the Deposit of the Money In Your Bank Account
If you are a Tangerine banking customer and wish to deposit the money in a Tangerine account, you just need to know your client number, security answers and PIN to sign in to Tangerine.
For any other bank, credit union, or trust company, before you start trying to get the money, make sure you know
- the institution number
- the transit number and
- the account number
for the branch and account in which you want to have the money deposited.
You can find all three numbers on your cheque, if you have a chequing account.
You can also look up institution numbers online. Go tohttp://en.wikipedia.org/wiki/Routing_transit_number and look for the Canadian transit number, which is a 3-digit code for banks etc.
For example,
- BMO is 001;
- TD is 004;
- CIBC is 010.
To Get the Money Sent by a Tangerine Email Transfer If You Are NOT a Tangerine Customer
To get your money, first you have to accept the email transfer. Then Tangerine will send the money to your bank account electronically. Like a bill payment, it will take several business days for the money to arrive in your account, unless your account is also with Tangerine.
Your bank may also put a temporary hold on the money when it is deposited, just like it may put a hold on a cheque you deposit into your account.
Go to: tangerine.ca/transfers
The Email Money Transfer / Transfer Authentication Page
- In the Email Money Transfer code field, type the Email Money Code that was in the message you received.
- In the Sender’s last name field, type the sender’s last name, or other word as specified in the message you received.
- Click on the Next button.
The Transfer Question Page
- In the Email Money Transfer answer text field, type the answer to the security question asked by the person sending you the money.
- Click to select the button Yes or No to answer the question Would you like your money to be deposited into a Tangerine account?
I clicked No. - Click on the Next button.
Transfer Details Page
- In the Transit number (Branch) field, type the transit number for your bank account.
- In the Institution number (Bank) field, type the institution number for your bank, trust company or credit union.
- In the Account number field, type your bank account number.
- In the Confirm account number field, type your bank account number again.
- Read the details about transfers to non-Tangerine accounts: Tangerine will send the money to your bank. That bank will put the money in your account based on their usual procedures. Tangerine cannot tell you when that will be.
- Click on the Next button.
The Confirmation Page
- Read the details of the proposed transfer.
- Click on the Accept Transfer button.
- Make a copy of the information in case you have any future questions.
- If you are finished, be sure to click on the Log me out link, clear your browser cache, and close your browser session for increased security.
You’ll now have to wait for your bank account to receive the money. If you sent it to a non-Tangerine account, it will probably take 2-3 business days to show up.
To Get the Money Sent by a Tangerine Email Transfer If You Bank with Tangerine Yourself
It’s much easier to accept an email transfer if you are a Tangerine customer yourself: and it’s faster!
Go to: tangerine.ca/transfers
The Email Money Transfer / Transfer Authentication Page
- In the Email Money Transfer code field, type the Email Money Code that was in the message you received.
- In the Sender’s last name field, type the sender’s last name, or other word as specified in the message you received.
- Click on the Next button.
The Transfer Question Page
- In the Email Money Transfer answer text field, type the answer to the security question asked by the person sending you the money.
- Click to select the button Yes or No to answer the question Would you like your money to be deposited into a Tangerine account?
- I clicked Yes.
- Click on the Next button.
The Transfer Details Page
- In the Client Number field, type your Tangerine client number.
- In the Answer Your Secret Question field, type the answer.
- Click on Next
- In the Enter Your PIN field, type your Tangerine banking PIN.
- Click on Go
- From the drop-down list in the Deposit to Account field, choose into which account to deposit the emailed money. NOTE: If you choose to deposit it into your RRSP, spousal RRSP, or TFSA account, you are making an annual contribution. Do not do this unless you have available contribution room!
- You can click to select Yes or No to Auto-accept email money transfers from this person in the future. For example, a student may get a monthly email money transfer from their parents. In this case, the student may decide to select Yes to automatically accept transfers from this sender. It saves having to go through all of the steps of accepting the transfer each time an email transfer is sent.
- Click on Next
The Confirmation Page
- Review the transfer details. If they are acceptable, click the Accept Transfer button.
- Click Continue Banking.
- The money should appear immediately in your bank account.
- If you are finished, be sure to click on the Log me out link, clear your browser cache, and close your browser session for increased security.
How to Email Money from Your Tangerine Chequing Account for Free
Have you ever lost a bet with your wife and needed to send her the money since you were out of cash? OK, maybe I’ve lost the bet to my husband, but a girl can dream right? Anyway, say you need to pay someone back and you’d like to transfer them the money straight from your bank account to theirs. With Tangerine you can move the money by using email for free from your chequing account to a friend or relative’s bank: Here’s how.
Before You Email Any Money
First, make sure the person you are sending the money to is ready to receive it. I can just imagine my Mom’s panic if I emailed her cash. She’s not keen on technology and doesn’t use internet banking. It also wouldn’t be a great idea to email money to someone who turns out to be away for a three-week unplugged vacation.
Email them first and ask if this is a good time. It’s a good way to check that you are planning to send the money to the email address they’d like to receive it in. They may suggest another email address is better.
And the person receiving the cash does not need to have internet banking set up. They only need access to a website and some information about their own bank account. For more details, please see the companion article How to Accept an Email Money Transfer Sent from Tangerine.
How Long Will It Take to Transfer Money From Tangerine Using Email?
NOTE: No matter whether you use Interac or Email to transfer your money, if you use the choice Send Now, the amount will be taken out of your chequing account immediately!
When you look at the choices:
- Free! Tangerine Email Money Transfer (2-3 business days)
- $1.00 Interac e-Transfer (Instant)
You can probably guess that the email transfer will not be “instant.”
Actually, if you use the email money transfer to send money from your Tangerine account to another person who has a Tangerine account, it is an almost “instant” transaction. If the person is ready to receive your email, they can accept the transfer and receive the money within a few minutes. (I tested this.)
If you email money to someone who is not a Tangerine client the wait will be 2-3 business days.
I tested how long it took to transfer money by email from a person with a Tangerine chequing account to another person with a Tangerine Savings account.
- The email transfer was sent at 9:30.
- The money was deducted immediately from the Sender’s Tangerine chequing account.
- The email was received and the transfer was accepted at 9:32.
- The money appeared immediately in the Receiver’s Tangerine savings account.
I am testing how long it takes to send money to someone who does not bank with Tangerine. I’ve sent a transfer, the person has received the email and completed the information to permit the transfer.
- The Tangerine part of the transfer was done on July 14 at 2 p.m. ET.
- The email was received and the data entered to accept the transfer on July 14 at 2:05 p.m. ET.
- It’s now the morning of July 15 and it’s not there yet.
- The cash showed up in the bank account on July 16 [updated when it arrived].
How Much Money Can I Email? How Little?
Tangerine has some restrictions on its email money transfer. The program says:
- Minimum transfer $5
- Maximum amount $3 000. 000 Yes, for some reason it has three zeroes after the decimal!
- Daily maximum $3 000
- Weekly maximum $10 000
- Monthly maximum $10 000
I think those daily, weekly and monthly maximums are probably for all of your email transfers, not for only the transfers to one friend. I don’t think you can send $10 000 to each of three friends in the same month. Fortunately, not too many of us need to.
I can see where that might be a problem, though, if you were trying to transfer university tuition to 3 of your children in September. So I’ll check with Tangerine for the details.
Back again after a quick telephone call to Tangerine:
Yes, the maximum is $10 000 a month total, not per recipient. So if you’re trying to transfer large amounts in the same month, perhaps to cover children’s tuition fees, you’ll probably need to write some cheques as well as use the email transfer system. Unless they’re all going to schools with reasonable tuition fees like McGill.
Yes, the maximum is $10 000 a month total, not per recipient. So if you’re trying to transfer large amounts in the same month, perhaps to cover children’s tuition fees, you’ll probably need to write some cheques as well as use the email transfer system. Unless they’re all going to schools with reasonable tuition fees like McGill.
How to Email Someone Money Using a Tangerine Chequing Account
- Sign in to your Tangerine Chequing Account.
- From the list of choices at the left side of the screen, click on Email my money.
The Email My Money Page
If you’ve never emailed money to this person before, below the To field, click on the Add recipient link.
The Add Email Recipient Popup Window
- In the First name field, type the person’s given name.
- In the Last name field, type their last name.
- In the Email address field, type the complete email address.
- In the Email Money Transfer question field, type the question they must answer to get the money.
- In the Email Money Transfer answer field, type the answer they must give to the question to get the money.
- The answer has to be only one word.
- There cannot be any spaces between characters.
- The answer can’t use numbers or special characters.
- If the answer is a swear word it may be rejected.
- In the Email language field, click to select the English or French button.
- Click on the Add button.
The Email My Money Page, continued
Once you’ve set up the person to receive an email money transfer, you can send the money.
- For the Transfer type, click to select the radio button beside Free! Tangerine Email Money Transfer
- In the Amount field, type the number of dollars.
I typed 200 000 000. OK, maybe I didn’t.
When you get ready to use this field you will be shown a list of restrictions. - From the drop-down list in the From Field, select the chequing account from which to take the money.
(You may have a chequing account and a joint chequing account.) - From the drop-down list in the To field, select the person to whom you want to email the money.
- Your email address will be automatically filled in based on your account settings.
Your Email Money Transfer question and Email Money Transfer answer will be filled in with the information you created under the Add recipient link.
You can change either the question or the answer though by editing the text. - You can type a message of up to 250 characters to include in the email if you want.
I typed: I still think the answer was Pineapple. - In the When section, click on the Now or Later button.
NOTE: If you select Later, the money will NOT be taken out of your chequing account immediately. Be sure to make yourself a note that you have less money than you think you have! Until the transfer comes out.
If you select Later, you can choose the date from the calendar. - Click on the Next button.
The You’re almost done…here’s what’s going to happen: Page
Review the information on the page.
If it looks ok, click on the Next button.
If it looks ok, click on the Next button.
The You’re Done Page
Make a note of the confirmation number in case you need to discuss the transfer with Tangerine.
Click on Continue Banking.
The View My Accounts Page
Click on the View my Accounts link at the left side of the screen.
You’ll notice your chequing account balance has already dropped by the amount of the transfer, unless you set up a transfer to take place Later.
If you’re finished banking, click on the Log Me Out link.
For increased security, clear your browser cache and close your browser session.
What You Have To Do to Receive Money Sent by an Email Transfer from Tangerine
Now, of course, the person you sent the money to has to receive it and deposit it into their bank account. You can read the details in the companion article How to Accept an Email Money Transfer from Tangerine.
How To Change Your Tangerine Email Money Contacts
You can
- add new recipients,
- delete old ones, and
- change their email addresses and
- change their transfer questions and answers.
- From the list of links on the left side of the screen, choose Email my money.
- At the bottom of the screen, click on the blue link: Manage my email money contacts.
- To edit the information for a recipient, click on the pencil button in the row with the
person’s name.
You can then change their- first name,
- last name,
- email address,
- email money transfer question,
- email money transfer answer, and
- the email language choice of French or English.
- Or to delete a recipient, click on the garbage can button in the row with the person’s name.
To confirm you want to delete the person from the list, click on the Submit button. - Under the Receiving tab, you can choose where to deposit money received from a sender.
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