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Search: Posts Made By: Kaye5
Showing results 1 to 25 of 1000
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Forum: Canada
Oct 3rd 2014, 4:41 pm
Replies: 22
Views: 8,557
Posted By Kaye5

Re: Depositing an HMRC cheque in Canada

The tellers won't know how the specific amount was arrived at, only that it is at least $100 and can be more depending on your banking history - it is decided behind the scenes.

The tellers are...
Forum: Canada
Oct 2nd 2014, 11:16 pm
Replies: 22
Views: 8,557
Posted By Kaye5

Re: Depositing an HMRC cheque in Canada

I'm sadly still intrigued by this. Banks' ABM cash policies, picked at random:

President's Choice: "Canadian dollar bank machine deposits will post to your account immediately but funds available...
Forum: Canada
Oct 2nd 2014, 11:00 pm
Replies: 22
Views: 8,557
Posted By Kaye5

Re: Depositing an HMRC cheque in Canada

The bank has to explain its holds policy to you if you ask them to. They will have documentation explaining it.

Yes, the machines are emptied and checked as you say - and not weeks apart.

But...
Forum: Canada
Oct 2nd 2014, 4:22 pm
Replies: 22
Views: 8,557
Posted By Kaye5

Re: Depositing an HMRC cheque in Canada

A mixture of what they have to do, what they have discretion on and the bank's policy.

It is true that the more you need access to uncleared funds, the less likely you are to be given it / the...
Forum: Canada
Oct 1st 2014, 11:05 pm
Replies: 22
Views: 8,557
Posted By Kaye5

Re: Depositing an HMRC cheque in Canada

The banks have to allow access to at least $100 of "uncleared" funds in your account from a CAD/Canadian bank cheque. This amount can increase as you establish a good banking record, and they are...
Forum: Immigration & Citizenship (Canada)
Oct 1st 2014, 10:48 pm
Replies: 13
Views: 770
Posted By Kaye5

Re: Shipping lists - my packing inventory is super vague

Ours didn't tally with the packers' list at all - pretty much for the reasons you have stated. I made up our own lists and presented those and the packers' lists, and both were copied, but they...
Forum: Immigration & Citizenship (Canada)
Oct 1st 2014, 10:43 pm
Replies: 4
Views: 526
Posted By Kaye5

Re: Children's Immunisation Record

We went to great pains to get immunization records for our three kids - the doctor's surgery kept doing them wrong. Eventually we got them. The schools here - and we have registered at five schools...
Forum: Immigration & Citizenship (Canada)
Sep 22nd 2014, 12:46 am
Replies: 5
Views: 1,069
Posted By Kaye5

Re: COPR and Passport renewal

Just had our kids' new passports returned - we had no problems at all. Processed and back with us within about 3 weeks.

My daughter's application needed countersigning (she is 11) - we hadn't...
Forum: Canada
Sep 16th 2014, 1:07 am
Replies: 20
Views: 1,789
Posted By Kaye5

Re: Presidents Choice Financial - anyone bank with these?

My Scotia branch don't put a hold on my sterling cheques at all (which is good for me as we often need the funds immediately). Not keen on the PC way, far too long to hold on to my cash.

I...
Forum: Canada
Sep 12th 2014, 4:41 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

I found the site has apparent contradictions in several places.

I am also grateful I have another 19 years before I truly have to worry. Maybe it will all have been made clear by then.

I will...
Forum: Canada
Sep 12th 2014, 4:21 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

It's working on the maximum 30 year rule until 2016, I guess, when they will no doubt change the calculator. Until then the only way to find out the true figure is to get a pension statement which...
Forum: Canada
Sep 12th 2014, 12:41 am
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

I think for us oldies they do add them on.

This is my calculation, if I input 29 years of work:

Years of contributions you already have 32
Years you can still make contributions 19

Your...
Forum: Canada
Sep 11th 2014, 3:13 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

Really? Then I have enough years, as I clocked up year 30 just before leaving the UK.
Forum: Canada
Sep 10th 2014, 4:49 pm
Replies: 22
Views: 3,169
Posted By Kaye5

Re: CRA asked me for my UK income?

Sorry I meant figures from payslips - yes, indeed the tax years are different.

I have tax papers coming out of my ears right now and am clearly losing the plot (tax for both countries - for me...
Forum: Canada
Sep 9th 2014, 11:16 pm
Replies: 20
Views: 1,789
Posted By Kaye5

Re: Presidents Choice Financial - anyone bank with these?

How does PC and/or credit unions handle Sterling cheques?

We use Scotiabank and pay in Sterling cheques regularly over the counter - so we do use the tellers quite a bit. But we're also looking...
Forum: Canada
Sep 9th 2014, 11:09 pm
Replies: 22
Views: 3,169
Posted By Kaye5

Re: CRA asked me for my UK income?

We're poor. We get GST/HST rebate. We declared our UK employee income for 2013 (before becoming resident in Canada). I didn't think it was a big deal, just gave them our P45 figures.

We also...
Forum: Canada
Sep 9th 2014, 11:01 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

The frozen bit is getting confused. As Simon Legree says, the frozen bit refers to the amount of UK pension you draw on becoming eligible - that stays the same if you are resident in Canada, it does...
Forum: Canada
Sep 7th 2014, 6:26 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

That's the impression I got from the pension lady... Kind of "don't bank on ever getting a pension, you won't live long enough"..... Or "you may live long enough to get it, but not long enough to...
Forum: Canada
Sep 6th 2014, 6:02 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

To be absolutely sure, you should call Future Pensions.

I think what she was saying to me is that as I am 20 years off pension age, I don't have to pay now - think about it in say 10 years' time. ...
Forum: Canada
Aug 31st 2014, 8:52 pm
Replies: 48
Views: 10,380
Posted By Kaye5

Re: Class 2 National Insurance for expatriates

"You can usually only pay for gaps from the past 6 years. However, you can sometimes pay for gaps before then depending on your age.

Living abroad and employed or self-employed immediately before...
Forum: Immigration & Citizenship (Canada)
Aug 29th 2014, 10:23 pm
Replies: 5
Views: 1,069
Posted By Kaye5

Re: COPR and Passport renewal

Thanks PMM. I have taken them out and won't send them.
Forum: Immigration & Citizenship (Canada)
Aug 29th 2014, 5:30 pm
Replies: 5
Views: 1,069
Posted By Kaye5

Re: COPR and Passport renewal

I don't know the answer to the first bit, but our COPR was stapled in our passport to one page, with the usual entry stamp and the document number noted below.

Your second question above - I also...
Forum: Canada
Aug 22nd 2014, 12:57 am
Replies: 43
Views: 3,152
Posted By Kaye5

Re: Considering moving to Nova Scotia

NSCC vacancies are now advertised on Career Beacon. Neither my husband nor I have been asked for certified qualifications, although it is easy to do. I presume you mean having them assessed for...
Forum: Canada
Aug 19th 2014, 11:17 pm
Replies: 43
Views: 3,152
Posted By Kaye5

Re: Considering moving to Nova Scotia

If you don't need full time, you could go on the substitute teacher register. But not until you have obtained registration which you can't do until you have PR.... obtaining school teaching is a bit...
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