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This is for those who are migrating to Canada
12-19-2009, 04:58 PM
Post: #38
 
Dear maqszaman

Over a period of time I have heard that some people commit highly risky, in fact, illegal acts like driving for many months without having driver’s license or car insurance and collecting welfare cheques while working on cash jobs. They are ignorant of measuring risks involved and ultimate costs if they would be caught. The purpose of writing this is for potential immigrants to remain cautious from apparently less risky acts which they are used to do in Pakistan, but such acts would have longer lasting bad effects on history of that person. Every record is computerized and remains in system files for almost rest of life, would haunt and cost every time. I never saw suspicious fires in buildings containing records like I am used to read about PNSC or AGP offices. Not stopping at red light signal or not waiting for police at the spot in case of accident (which is taken as hit and run) are offences. History in records is much more important than paying minor costs. In Pakistan, we don’t care about such acts in daily life, so our mind works in the same way here initially or it does not perceive severity of events in a way that it should according to the norms of this society. It takes some time to change our habits or start thinking as per the requirements of new society’s law. For example, staring at women in buses or public areas is quite common in back home but it would cause problems here. Some people are used to hit their wives or kids which is not allowed here. If such people do not change themselves quickly they face the results. Actual enforcement of law is quite strict.

Normally, students are under debt of about $40,000 or more after finishing 4 years degree. Some people think that their kids would get OSAP (student) loan. They retain the concept from back home that loan is like a free money, forgetting that their kids would pay it back with interest. Kids cannot escape from it in future because of providing SIN number. Whenever they start earning, either they start paying back by themselves or otherwise bank places a garnishment over income with the employer, so the deductions start from source income and they get after deduction salary. Many people presume student loans as easy money without thinking about future payments.

People who don’t wanna increase incomes are mostly those who have inner fears, think they would not get a job after study or hardwork. Sometimes they overly think about tax deductions without realizing that their income levels would also be increasing at the same time too. Similarly, some people always wanna remain system dependent and free riders.

All State Board of Accountings are quite restrictive about CPA exam and licensing requirements and their interpretations. It is not the matter that an association is approved body or not (or how big is that association), but point is whether AICPA has any formal recognition arrangement with that association or not. State Board coordinators and approved evaluators only accepts course taken from at-least regionally accepted (or equivalent in case of other countries) universities/colleges or from associations with which AICPA has acceptance agreement like CICA, ICAA, ICAI (Ireland) etc. So, if any specific association does not have formal acceptance arrangement with AICPA, then courses taken from those associations would not be accepted by State Board of Accountings. Apparently it seems strange but it has its own logic. As a result, courses directly taken from ICAEW, CIMA, CIA, CMA(IMA) etc. would not be acceptable, but taken from University of Karachi or perhaps Baha Uddin Zakriya University, Multan would be accepted simply because those are UGC/ HEC approved universities and their courses are equivalent to taken from regionally accredited universities in States. Some State Board on Accountings are even restrictive and do not accept on-line course no matter those are taken from MIT or Harvard Business School. So, in essence, proper planning is very important in life to achieve future goals. Interestingly, the person who is CMA or CIA would have to take additional university/ college courses for CPA exam or license, but had he taken CPA before he would have got exemptions in CMA (under old scheme) or CIA.

Regards
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[] - Shahzad09 - 09-11-2009, 04:23 PM
[] - Toronto_Boy - 09-12-2009, 02:15 AM
[] - maqszaman - 09-12-2009, 03:14 AM
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