{"id":2452,"date":"2024-03-10T02:42:10","date_gmt":"2024-03-10T02:42:10","guid":{"rendered":"https:\/\/twaweza-initiative.ca\/?page_id=2452"},"modified":"2024-05-11T19:36:57","modified_gmt":"2024-05-11T19:36:57","slug":"immigrants-financial-guide","status":"publish","type":"page","link":"https:\/\/twaweza-initiative.ca\/fr\/immigrants-financial-guide\/","title":{"rendered":"Immigrant&#8217;s Financial Guide"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2452\" class=\"elementor elementor-2452\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1f8c512 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f8c512\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-4b38a6b0\" data-id=\"4b38a6b0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-212be7eb elementor-widget elementor-widget-image\" data-id=\"212be7eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"819\" src=\"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png\" class=\"attachment-large size-large wp-image-4010\" alt=\"\" srcset=\"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png 1024w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-300x240.png 300w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-768x614.png 768w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-15x12.png 15w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-160x128.png 160w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6c563cf2\" data-id=\"6c563cf2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24034698 elementor-widget elementor-widget-heading\" data-id=\"24034698\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Financial Advice for Canadian Immigrants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28f45f51 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"28f45f51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34fe044 elementor-widget elementor-widget-text-editor\" data-id=\"34fe044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400; color: #3a3a3a;\">Welcome to Canada! Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especiacially when it comes to management of your finances.<\/span><\/p><ol><li><span style=\"color: #3a3a3a;\"><b style=\"font-style: inherit;\">Understanding the Canadian Financial System<\/b><\/span><\/li><\/ol><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">The federal government of Canada is in charge of enacting legislation and enforcing regulations that control the Canadian financial sector. They work to ensure a stable financial system and to protect customers. The Canada Deposit Insurance Corporation is one example of such consumer protection, as it provides insurance against deposit loss in the event that a member financial institution fails to satisfy its commitments.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">The Canadian financial system is made up of financial institutions (banks, credit unions, and finance corporations), financial markets (money, bond, equity, mortgage, and foreign exchange markets), and financial services (firms that provide financial and investment advice). Collectively, they provide consumers with access to financial products and services that enable them to spend, save, and invest.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">The Canadian financial system is a vast and intricate one, and for new immigrants, it will definitely be different from what you may have been used to. It is important to get to know what financial institutions, products, and services are available. This can prevent the settling-in phase from being stressful and also set the stage for you to achieve your financial goals.\u00a0<\/span><\/li><\/ul><ol start=\"2\"><li aria-level=\"1\"><span style=\"color: #3a3a3a;\"><b> Building a Strong Credit History<\/b>.<span style=\"font-style: inherit; font-weight: inherit;\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:1440,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/span><\/li><\/ol><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">Apply for credit only when needed.\u00a0<\/span><\/li><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\" data-contrast=\"auto\">Try to avoid applying for too much credit in a short period of time. Having a large amount of inquiries on your credit report can lower your credit score, especially if you do not have a long credit history.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"6\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">By managing your credit wisely, you can begin to build a strong credit history. A strong credit history will help you to get approved for the amount of credit that can help you to establish a good life in Canada, including a car loan, personal loan, or mortgage.\u00a0<\/span><\/li><\/ul><ol start=\"3\"><li aria-level=\"1\"><span style=\"color: #3a3a3a;\"><b> Managing Expenses and Budgeting<\/b><\/span><\/li><\/ol><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"7\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">A good savings opportunity can be found in reducing food costs. Cultural food consumption takes some time to adjust to Canadian standards, and with a significant increase of grocery costs, many immigrants often find that their food expenses have doubled. A desirable goal would be to save money to compensate for the greater costs of seasonal items that may not have been necessary to purchase in the immigrants&#8217; homeland. For example, if savings are found on winter clothes, the purchase of these items can be funded interest-free until the items are actually required.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"8\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">An effective budget can be created using the budget spreadsheet mentioned. This is an excel spreadsheet used in conjunction with the tracked expenses to set limits for variable spending and to monitor saving and investment goals. The budget should allocate that which is necessary to meet fixed expenses, as well as realistically limiting variable expenses usually with a goal to increase the rate of savings increments.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"9\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">The saving of receipts is crucial as they often contain vital tax information for eligible tax credits. Expenses should be divided into 2 categories: fixed and variable. Fixed expenses are those which remain constant from month to month \u2013 rent, insurance, internet, etc. Variable expenses are those which are a matter of personal choice, i.e. delivery, dining out, cable TV, etc. Through tracking of expenses, a clear picture will emerge of where to reduce variable spending. Usually, small daily purchases add up to surprisingly large amounts. For example, if a couple that eats dinner out 2 times a week were to spend $30 each time, this would total $240 in a month.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"10\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">Critical to effective expense management is the tracking of all expenses for at least one month. This is a tedious process but invaluable in terms of giving a clear indication of where money is being spent. This is best done using debit or credit cards for all purchases, with cash used only for items for which there will be no receipt \u2013 public transportation, food at work, etc. All receipts should be saved, and purchases written down in a small notebook. This record will be essential for the use of the budget spreadsheet noted below, as well as for tax purposes.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"11\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">Immigrants are faced with new living expenses in Canada. Items ranging from renting and utility deposits to car and even winter clothing expenses can severely strain savings as well as hamper efforts to correctly establish a new life. We frequently see new immigrants confronted with financial adversity as a result of a very common deficiency in comprehensive financial planning. The following are some suggestions on effective expense management and budgeting.\u00a0<\/span><\/li><\/ul><ol start=\"4\"><li aria-level=\"1\"><span style=\"color: #3a3a3a;\"><b> Investing and Saving Strategies<\/b><\/span><\/li><\/ol><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"12\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">To protect the money that you have already or the money to be earned for short-term goals, the safest place to save is using a high-interest savings account. With a high-interest savings account, the money is guaranteed and is accessible at any time. However, the drawback is the low return as it does not usually keep up with inflation. Also guaranteed and with a low level of risk and a higher potential return is the purchase of GICs (Guaranteed Investment Certificates). Another option for more long-term saving is the use of a Registered Education Savings Plan.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">When considering whether to save or invest money, you must evaluate and consider how the risk of your investment may affect the ability to reach your financial goals. Since most investment opportunities come with the possibility of losing money or failing to match the rate of inflation, it is essential to fully comprehend the risks involved in order to make an informed decision.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">Start by setting specific savings and investment goals. Like anything else, target setting is very important. Begin by figuring out the total amount of money you will need to satisfy your day-to-day expenses as well as all your long-term financial obligations. Then set a target date for your different savings goals. This will help to quantify the amount of money you will need in the future and better understand the time frame associated with each goal. Remember to be realistic about the returns you expect on your investments to avoid trying to take on too much risk in the later years when you are trying to conserve capital.\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">Investing and saving strategies are the important elements of financial planning. By implementing a strategy of goal setting and understanding investment risk, Canadian newcomers will be better prepared to achieve their financial goals.\u00a0<\/span><\/li><\/ul><ol start=\"5\"><li aria-level=\"1\"><span style=\"color: #3a3a3a;\"><b> Seeking Professional Financial Guidance<\/b><\/span><\/li><\/ol><ul><li data-leveltext=\"\u25cb\" data-font=\"Arial\" data-listid=\"1\" data-list-defn-props=\"{&quot;335551500&quot;:3355443,&quot;335552541&quot;:1,&quot;335559685&quot;:1440,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Arial&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cb&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"2\"><span style=\"color: #3a3a3a;\">If you decide to seek professional help with your finances, you should consider someone who understands your specific situation such as a financial planner, accountant, or lawyer. These professionals should have strong knowledge of the financial issues of recent immigrants. The advisor should be able to understand your situation, listen to your concerns, and provide a service tailored to your needs. Advisors can provide suggestions on personal financial management, help you create a budget, advise you on investment products, and help you obtain credit.\u00a0Advisors can also help with purchasing a home, a key concern of newcomers. When seeking professional financial guidance, be sure to consider the cost of the service. Get quotes from different professionals and ask for written explanations of what the professional will do for you. With the information you provide, the advisor should provide a clear and timely assessment of your situation and provide you with a clear statement of the goals they will help you meet. Remember to regularly assess the impact of the professional&#8217;s advice on your situation and obtain a second opinion on important decisions. An advisor who was helpful for a newly landed immigrant he knew recently recommended immigrants first try to find out as much information on their financial concerns as possible before seeking professional advice. This will reduce the amount of time a professional needs to spend researching the best course of action and can greatly reduce the cost of their services. Although it&#8217;s good if the professional has knowledge on a specific issue, don&#8217;t be a guinea pig. A guinea pig is someone who, through the recommendation of their advisor, ends up trying new and unsure financial actions which may have negative implications. An advisor should be able to clearly explain the action and its implications on your situation.<span style=\"font-style: inherit; font-weight: inherit;\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:276}\">\u00a0<\/span><\/span><\/li><\/ul><p><span style=\"color: #3a3a3a;\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\"><b>References<\/b>:\u00a0\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\">Durodola, O., Fusch, P., &amp; Tippins, S. (2017). A case-study of financial literacy and wellbeing of immigrants in Lloydminster, Canada. <i>International Journal of Business and Management<\/i>, <i>12<\/i>(8), 37-50.\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\">Mmangyo, I. (2023). Hindsight: Immigrant&#8217;s Guide to Informed Financial Judgements. Ottawa Publishing.\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\">Khan, M. N., Ferrer, I., Lee, Y., &amp; Rothwell, D. W. (2022). Examining the financial knowledge of immigrants in Canada: a new dimension of economic inequality. <i>Journal of Ethnic and Migration Studies<\/i>, <i>48<\/i>(13), 3184-3201.\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\">Jones, S. (2004). Canada and the globalized immigrant. <i>American Behavioral Scientist<\/i>, <i>47<\/i>(10), 1263-1277.\u00a0<\/span><\/p><p><span style=\"color: #3a3a3a;\">Date modified: 2024-04-27<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-681f2ce4 e-flex e-con-boxed e-con e-parent\" data-id=\"681f2ce4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a8c683c e-con-full e-flex e-con e-child\" data-id=\"7a8c683c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d104438 elementor-widget elementor-widget-heading\" data-id=\"3d104438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ABOUT US<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20984329 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"20984329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/mission\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mission<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/our-targets\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Our Targets<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/partners\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Partners<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/f-a-qs\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">F.A.Qs<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/contact\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contact<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/privacy-policy\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Privacy Policy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46abedf0 e-con-full e-flex e-con e-child\" data-id=\"46abedf0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69876063 elementor-widget elementor-widget-heading\" data-id=\"69876063\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OUR WORK<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7f22a7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f7f22a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/financial-consultancy\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Financial Consultancy<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/social-integration\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Social Integration<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/immigration-services\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Immigration Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/community-development\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Community Development<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92d1a24 e-con-full e-flex e-con e-child\" data-id=\"92d1a24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b6d1f4 elementor-widget elementor-widget-heading\" data-id=\"8b6d1f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">GET INVOLVED<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-253f7927 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"253f7927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/volunteer\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Volunteer<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/partner-with-us\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Partner with Us<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/events\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Events<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/twaweza-initiative.ca\/donate\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-heart\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M462.3 62.6C407.5 15.9 326 24.3 275.7 76.2L256 96.5l-19.7-20.3C186.1 24.3 104.5 15.9 49.7 62.6c-62.8 53.6-66.1 149.8-9.9 207.9l193.5 199.8c12.5 12.9 32.8 12.9 45.3 0l193.5-199.8c56.3-58.1 53-154.3-9.8-207.9z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Donate<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24405f18 e-grid-align-left elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"24405f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-5013e0e\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-twitter elementor-repeater-item-9bd4f73\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Twitter<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3ed81fc1 e-con-full e-flex e-con e-child\" data-id=\"3ed81fc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37037732 elementor-widget elementor-widget-image\" data-id=\"37037732\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"299\" src=\"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer-1024x299.png\" class=\"attachment-large size-large wp-image-4009\" alt=\"\" srcset=\"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer-1024x299.png 1024w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer-300x88.png 300w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer-768x224.png 768w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer-18x5.png 18w, https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/fulllogo_transparent_nobuffer.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dcd5db2 elementor-widget elementor-widget-text-editor\" data-id=\"1dcd5db2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ffffff;\">T<\/span>waweza Initiative is a Canadian not-for-profit organization based in Ottawa, ON.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36bfacae elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"36bfacae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 64H48C21.49 64 0 85.49 0 112v288c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V112c0-26.51-21.49-48-48-48zm0 48v40.805c-22.422 18.259-58.168 46.651-134.587 106.49-16.841 13.247-50.201 45.072-73.413 44.701-23.208.375-56.579-31.459-73.413-44.701C106.18 199.465 70.425 171.067 48 152.805V112h416zM48 400V214.398c22.914 18.251 55.409 43.862 104.938 82.646 21.857 17.205 60.134 55.186 103.062 54.955 42.717.231 80.509-37.199 103.053-54.947 49.528-38.783 82.032-64.401 104.947-82.653V400H48z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><br>info@twaweza-initiative.ca<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Financial Advice for Canadian Immigrants Welcome to Canada! Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especiacially when it comes to management of your finances. Understanding the Canadian Financial System The federal government of Canada is in charge of enacting legislation and enforcing regulations [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2452","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Immigrant&#039;s Financial Guide - TWAWEZA INITIATIVE<\/title>\n<meta name=\"description\" content=\"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/twaweza-initiative.ca\/fr\/immigrants-financial-guide\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Immigrant&#039;s Financial Guide - TWAWEZA INITIATIVE\" \/>\n<meta property=\"og:description\" content=\"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/twaweza-initiative.ca\/fr\/immigrants-financial-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"TWAWEZA INITIATIVE\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-11T19:36:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/\",\"url\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/\",\"name\":\"Immigrant's Financial Guide - TWAWEZA INITIATIVE\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/twaweza-initiative.ca\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/icononly-1024x819.png\",\"datePublished\":\"2024-03-10T02:42:10+00:00\",\"dateModified\":\"2024-05-11T19:36:57+00:00\",\"description\":\"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/#breadcrumb\"},\"inLanguage\":\"fr-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/#primaryimage\",\"url\":\"https:\\\/\\\/twaweza-initiative.ca\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/icononly-1024x819.png\",\"contentUrl\":\"https:\\\/\\\/twaweza-initiative.ca\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/icononly-1024x819.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/immigrants-financial-guide\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/twaweza-initiative.ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Immigrant&#8217;s Financial Guide\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#website\",\"url\":\"https:\\\/\\\/twaweza-initiative.ca\\\/\",\"name\":\"TWAWEZA INITIATIVE\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/twaweza-initiative.ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#organization\",\"name\":\"TWAWEZA INITIATIVE\",\"url\":\"https:\\\/\\\/twaweza-initiative.ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-CA\",\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/twaweza-initiative.ca\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/white_fulllogo_transparent_nobuffer.png\",\"contentUrl\":\"https:\\\/\\\/twaweza-initiative.ca\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/white_fulllogo_transparent_nobuffer.png\",\"width\":1280,\"height\":375,\"caption\":\"TWAWEZA INITIATIVE\"},\"image\":{\"@id\":\"https:\\\/\\\/twaweza-initiative.ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Immigrant's Financial Guide - TWAWEZA INITIATIVE","description":"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/twaweza-initiative.ca\/fr\/immigrants-financial-guide\/","og_locale":"fr_CA","og_type":"article","og_title":"Immigrant's Financial Guide - TWAWEZA INITIATIVE","og_description":"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.","og_url":"https:\/\/twaweza-initiative.ca\/fr\/immigrants-financial-guide\/","og_site_name":"TWAWEZA INITIATIVE","article_modified_time":"2024-05-11T19:36:57+00:00","og_image":[{"url":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_misc":{"Estimation du temps de lecture":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/","url":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/","name":"Immigrant's Financial Guide - TWAWEZA INITIATIVE","isPartOf":{"@id":"https:\/\/twaweza-initiative.ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/#primaryimage"},"image":{"@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/#primaryimage"},"thumbnailUrl":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png","datePublished":"2024-03-10T02:42:10+00:00","dateModified":"2024-05-11T19:36:57+00:00","description":"Adjusting to a new country can be exciting, but it can also bring challenges for youself and your family, especially when it comes to management of your finances.","breadcrumb":{"@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/#breadcrumb"},"inLanguage":"fr-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/"]}]},{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/#primaryimage","url":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png","contentUrl":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/icononly-1024x819.png"},{"@type":"BreadcrumbList","@id":"https:\/\/twaweza-initiative.ca\/immigrants-financial-guide\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/twaweza-initiative.ca\/"},{"@type":"ListItem","position":2,"name":"Immigrant&#8217;s Financial Guide"}]},{"@type":"WebSite","@id":"https:\/\/twaweza-initiative.ca\/#website","url":"https:\/\/twaweza-initiative.ca\/","name":"TWAWEZA INITIATIVE","description":"","publisher":{"@id":"https:\/\/twaweza-initiative.ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/twaweza-initiative.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-CA"},{"@type":"Organization","@id":"https:\/\/twaweza-initiative.ca\/#organization","name":"TWAWEZA INITIATIVE","url":"https:\/\/twaweza-initiative.ca\/","logo":{"@type":"ImageObject","inLanguage":"fr-CA","@id":"https:\/\/twaweza-initiative.ca\/#\/schema\/logo\/image\/","url":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/white_fulllogo_transparent_nobuffer.png","contentUrl":"https:\/\/twaweza-initiative.ca\/wp-content\/uploads\/2024\/04\/white_fulllogo_transparent_nobuffer.png","width":1280,"height":375,"caption":"TWAWEZA INITIATIVE"},"image":{"@id":"https:\/\/twaweza-initiative.ca\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/pages\/2452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/comments?post=2452"}],"version-history":[{"count":53,"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/pages\/2452\/revisions"}],"predecessor-version":[{"id":5414,"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/pages\/2452\/revisions\/5414"}],"wp:attachment":[{"href":"https:\/\/twaweza-initiative.ca\/fr\/wp-json\/wp\/v2\/media?parent=2452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}