#Payment Processing Toronto

[debitmachinecanada]

Visa, Mastercard plan to hike credit-card fees

Aug 30 (Reuters) – Global payments processors Visa (V.N) and Mastercard (MA.N) are planning to increase fees that many merchants pay when they accept customers’ credit cards, the Wall Street Journal reported on Wednesday. The fee increases are scheduled to start in October and April, according to the report, which cited people familiar with the matter and documents viewed by the WSJ. Many of the…

[ficwritersretreat]

FIC WRITERS RETREAT (CANADA) 2025 SPACE STILL AVAILABLE

EIGHTH annual Fic Writers' Retreat, first held in Canada in 2016, coming once again in 2025.

To Register, Click Here

When: August 7-10 2025

Where: Five Oaks Retreat Centre, Paris, Ontario, Canada

What is it? Four days spent with other fic writers, at all levels of experience. There will be a mix of workshops (Topics TBA and open to suggestions), prompts and challenges, and plenty of independent writing time for your own personal projects.

It’s also an opportunity to make connections with people who share your interests and passions, and where you can focus on your own goals and creativity.

Cost (in CANADIAN DOLLARS): $480.00 

(approximately $343 USD as of this posting)

Here’s what you get for it:

All meals (dinner Thursday to lunch Sunday)

Accommodation (Shared rooms but NOT shared beds - sorry)

Daily workshops and writing sessions (planned and delivered by participants - you too, if you want!)

A retreat in a beautiful riverside setting

WiFi included

Registration Process:

Click on the Registration Link, above.

Complete the form and submit it.

Select a payment option: a) e-transfer (Canadian residents only) or b) PayPal (link in registration form)

Make your deposit of $240 CAD (50% of total cost) to complete your registration

Second payment is due on July 10, 4 weeks before the retreat begins.

Space will be allocated on a first-come, first served basis. There are 22 spaces available, after which names will be placed on a waiting list (no payment will be required unless you are offered a spot).

Travel to the venue is not included. However, shared transport from Toronto (airport or other hubs) can often be arranged with other participants.

Several participants (and the organizer) live in the area, and we have always been able to arrange ride-shares from the Toronto Airport to the various venues. These connections will be arranged after registration.

Contact me with any questions! Or see the FAQ Page

Tags under the cut. Let me know if you want to be tagged in this. If you’re not tagged it’s because I didn’t know you were interested. (Or I used an old list and forgot, or I thought you'd asked to not be tagged - correct me if I was wrong!) It's not because we don't want you! Please come.

@totallysilvergirl @blogstandbygo @addictedstilltheaddict @onwallsjcfwrites @amindamazed @fearlessdiva930 @cirquedereve @antheiasilva @inevitably-johnlocked @pippn-frodo @stellacartography @muaddib-iswriting @keirgreeneyes @missdaviswrites @nautilicious @otter-von-bismarck @mydogwatson @pipmer @aquabelacqua @may-shepard @pippn-frodo @weneedtotalkaboutfilms-blog @shirleycarlton @daringlydomestic @quesarasara @laughing-at-the-darkness @ellipsical-elle @fluffbyday-smutbynight @kettykika78 @vulgarweed @hellonewsletter @atlinmerrick @podfixx @stellacartography @1-800-get-sherlocked @thegildedbee @letteredlettered @inexplicifics @storyshark2005 @tiger-in-the-flightdeck @seriouslymarythough @anyawen @topsyturvy-turtely @noadventureshere221b @gay-pirate-anime @simpledontmeanpeachy @helloliriels @hopipp @masked-alias @doctornerdington @lisbeth-kk @amindamazed @seriouslymarythough

[darkmaga-returns]

Plane flips on landing in Toronto. "This Might Be The Biggest Fraud In History". Saudi Arabia to mediate Russia-US talks. The Collapse of Net Zero. Three States Push Social Media Digital ID Laws

Lioness of Judah Ministry

Feb 18, 2025

Plane flips on landing at Toronto airport

Multiple people have sustained injuries, local media has said

A plane flipped upside-down on landing at Toronto Pearson International airport on Monday. At least eight people are injured, according to paramedics. All flights were suspended, the Toronto Star wrote. Videos posted on X show a Delta Air Lines plane overturned on a snow-covered tarmac, with people walking away from it. One of those injured is in critical condition, according to Peel Regional Paramedic Services Supervisor Lawrence Saindon.

NBC Reporter Ties President Trump, Elon Musk and DOGE to Plane Crash in Toronto with Canadian Air Traffic Control (VIDEO)

A reporter for NBC actually tied President Trump, Elon Musk, and DOGE to the plane crash in Canada.

A Delta plane crash-landed on a snowy runway at Toronto Pearson Airport in Canada on Monday afternoon. The flight arrived from Minneapolis when it crashed, landed, and flipped upside down. At least 15 people are injured, including one child. It is unclear why the plane crashed. There are no reports of fatalities. The fake news media immediately tied the plane crash, which occurred in a foreign country, to Trump and DOGE.

JUST IN: Trump Admin Fires Hundreds of FAA Employees Amid Reports DEI Policies Led to DCA Crash

The Trump Administration fired approximately 300 Federal Aviation Administration (FAA) employees over the weekend as DOGE works to eliminate DEI and wasteful spending.

Last week it was reported that the Trump Admin was gearing up to fire probationary workers. Hundreds of FAA employees received an email informing them of their termination. David Spero, the national president of the Professional Aviation Safety Specialists (PASS), AFL-CIO, blasted the Trump Administration for firing FAA employees.

"This Might Be The Biggest Fraud In History"

"Maybe Twilight is real and there are a lot of vampires collecting Social Security."

Elon Musk was expected to remain offline Sunday night into Monday morning as his xAI team prepared for the highly anticipated debut of "Grok 3," scheduled for release Monday evening at 8 p.m. EST. However, the head of the Department of Government Efficiency (DOGE), tasked with streamlining the federal bureaucracy, returned very excited to his social media platform around midnight, unveiling what "might be the biggest fraud in history." Musk posted a spreadsheet of Social Security Administration data showing "numbers of people in each age bucket with the death field set to FALSE!"

If You Think That The Left Is Angry Now, Just Wait Until Fraudulent Social Security Payments Stop Going Out

Michael Snyder’s Substack

If You Think That The Left Is Angry Now, Just Wait Until Fraudulent Social Security Payments Stop Going Out

Read more

11 hours ago · 57 likes · 19 comments · Michael Snyder

WHOA! DOGE Reveals $4.7 Trillion of Taxpayer Money Went Into Government Black Hole and is UNTRACEABLE

This is why it is all hands on deck to stop Elon Musk’s DOGE team.

On Monday, Elon Musk’s DOGE revealed the federal government didn’t trace $4.7 trillion in payments. $4.7 trillion dollars in payments were left blank, making it nearly impossible to trace, DOGE said. “The Treasury Access Symbol (TAS) is an identification code linking a Treasury payment to a budget line item (standard financial process),” DOGE explained in a post on X. “In the Federal Government, the TAS field was optional for ~$4.7 Trillion in payments and was often left blank, making traceability almost impossible. As of Saturday, this is now a required field, increasing insight into where money is actually going. Thanks to US Treasury for the great work,” DOGE said.

US, Russia To Hold Peace Talks In Saudi Arabia Without Ukraine, Even As Zelensky Visits Gulf

Kyiv 'knew nothing' about US-Russia talks in Saudi Arabia & won't recognize their outcome: Zelensky

European Commission President Ursula von der Leyen has warned on X that "Europe's security is at a turning point." She continued in the statement she wrote while arriving in Paris for "crucial talks" with European counterparts on the Russia-Ukraine war, "Yes, it is about Ukraine – but it is also about us." "We need an urgency mindset. We need a surge in defense," she wrote. "And we need both of them now." The words come immediately on the heels of von der Leyen telling the Munich Security Conference, "I will propose to activate the escape clause for defense investments. This will allow member states to substantially increase their defense expenditure."

[newstfionline]

Monday, October 14, 2024

One of the World’s Most Immigrant-Friendly Countries Is Changing Course (NYT) A late-night Uber ride from Toronto’s Pearson Airport into the city usually guarantees a good fare for the driver. But not for Sachindeep Singh on the evening of Sept. 19. A few miles into the ride, his Uber app stopped working. Mr. Singh’s work permit had expired at midnight and, like Canada, Uber was putting him on notice. Mr. Singh, 23, arrived in Canada as an international student in 2019. His immigration status permitted him to work and offered a path to permanent residence, an approach labeled “study-work-stay” on the Canadian government’s immigration website. But after inviting millions of newcomers to Canada in recent years to help lift the economy, the government has reversed course amid growing concerns that immigrants are contributing to the country’s deepening challenges around housing, health care and other issues. A series of measures unveiled this year, focused on Canada’s vast temporary residence program, has imposed barriers that have left hundreds of thousands of migrants like Mr. Singh in legal limbo.

Determination to rebuild follows Florida’s hurricanes (AP) No sooner had residents of the Bahia Vista Gulf condominium complex dug out and from Hurricane Helene than they were faced with the same daunting cleanup from new damage inflicted by Hurricane Milton. The beachfront units had been gutted, treated and dried out after Hurricane Helene and mounds of sand that had blown in from the beach had been removed. Then, less than two weeks later, Hurricane Milton barreled in and undid all the progress. “They’ve got to start the whole process over, cleaning, sanitizing, bringing in drying equipment, getting them all dried and prepped for renovations,” lamented Bill O’Connell, a board member at the complex in Venice, about an hour’s drive south of Tampa. The second hurricane “brought all the sand back on our property.” Some longtime Floridians have grown accustomed to the annual cycle of storms that can shatter and upend lives in a state known mostly for its balmy weather, sunshine and beaches. “It’s the price you pay to live in paradise,” O’Connell said. “If you want to live here with this view, beautiful sunsets, be able to go out on your boat, enjoy what Florida has to offer, you have to be willing to accept that these storms are going to come.”

Awash in oil money, Guyana promises cash, free tuition and other perks ahead of election (AP) Guyanese President Irfaan Ali announced several perks ahead of national elections next year, including free college tuition and a one-time cash payment of nearly $1,000 for every household in the oil-rich South American country. Ali also promised to cut power bills by half and to increase the monthly minimum wage from $350 to $500 starting next year as he addressed Parliament during a special session late Thursday, noting that the recently wealthy nation of nearly 800,000 people can afford to help residents via public aid programs. Guyana was once one of the poorest countries in South America despite large reserves of gold, diamonds and bauxite. But it has been awash in money after a consortium led by ExxonMobil discovered the first major oil deposits in May 2015 off the country’s Atlantic coast. In 2022, Guyana’s GDP grew by more than 60%, the highest real GDP growth worldwide that year, according to the International Monetary Fund.

Argentina’s triple-digit inflation slows, but cash-strapped workers struggle to pay bills (Reuters) Argentina’s triple-digit inflation, among the world’s highest, is starting to slow down but this offers little relief for workers whose salaries have stayed the same while costs of basic goods skyrocketed and the government slashed state subsidies. “We’re losing track of what’s expensive and what’s cheap,” said university professor Daniel Vazquez while shopping in Buenos Aires. “Prices keep going up and the only thing that isn’t going up is salaries.” Food prices increased just 2% from last month but more than tripled their level from a year ago, while housing and utility costs nearly quadrupled. Cigarettes, alcohol, healthcare, transport and communications also tracked annual inflation well above 200%.

Ukrainian recruiters descend on Kyiv’s nightlife in search of men not registered for conscription (AP) Ukrainian military recruitment officers raided restaurants, bars and a concert hall in Kyiv, checking military registration documents and detaining men who were not in compliance, media and witnesses reported Saturday. Officers descended on Kyiv’s Palace of Sports venue after a concert Friday night by Ukrainian rock band Okean Elzy. Video footage aired by local media outlets appears to show officers stationed outside the doors of the concert hall intercepting men as they exit. In the footage, officers appear to be forcibly detaining some men. Checks were also conducted at Goodwine, an upscale shopping center, and Avalon, a popular restaurant. It is unusual for such raids to take place in the capital, and reflects Ukraine’s dire need for fresh recruits. All Ukrainian men aged 25-60 are eligible for conscription, and men aged 18-60 are not allowed to leave the country.

One of the Loneliest Countries Finds Companionship in Dogs (NYT) The deceased lay wrapped in a cotton blanket, surrounded by white roses and hydrangea, angelic figurines and lit candles and incense. A wall-mounted screen displayed photographs of him. His 71-year-old companion, Kim Seon-ae, convulsed with tears as she bid farewell, caressing his head and face. Next door, young uniformed morticians prepared for his cremation. The elaborate and emotional ritual was for a white poodle named Dalkong, who was nestled in a willow basket with his eyes still open. “He was like a virus that infected me with happiness,” said Ms. Kim, who had lived with Dalkong for 13 years until he succumbed to heart disease. “We were family.” Not long ago, South Korea often made global headlines—and raised the ire of animal rights groups—for its tradition of breeding dogs for meat. But in recent years, people here have gravitated toward pets, especially dogs. They are looking for companionship at a time when more South Koreans are choosing to stay single, childless or both. More than two-fifths of all households in the nation now consist of only one person.

A once humming city, Lebanon’s Tyre is emptied by airstrikes and fear (Washington Post) As Israeli warplanes roared overhead and their bombs plunged into the suburbs of this coastal city in southern Lebanon, a man sat by the sea with his shirt off, a lonely beachgoer in a place that most people have fled. Tyre, barely 12 miles from the border with Israel, has been swiftly and viciously emptied by airstrikes, war and fear that it will all get worse. Only its most determined or defiant residents remain, weeks after the start of Israel’s military campaign. There are few lights on in the city’s apartment blocks and shops. Restaurants on a commercial strip are boarded up, some with their windows smashed. Packs of dogs roam in places. Garbage sits on corners in huge piles. The desolate scenes in Tyre, Lebanon’s fourth largest city, are a glimpse of what the spread of the war between Israel and Hezbollah could mean for the country, where so many have already fled their homes and are struggling to find somewhere safe.

Israeli Tanks Enter U.N. Peacekeeper Base in Lebanon, Drawing Protest (NYT) Israeli tanks forced their way onto a U.N. peacekeeping base in southern Lebanon on Sunday, putting the lives of the soldiers there in danger, the U.N. mission said. Hours later, Prime Minister Benjamin Netanyahu of Israel repeated his call for the United Nations to pull the peacekeepers out of the area immediately. The tank incursion came after days of criticism of Israeli forces over attacks that have wounded at least four peacekeepers in Lebanon. Early Sunday morning, the U.N. mission said, Israeli battle tanks showed up at one of its bases. “While peacekeepers were in shelters, two I.D.F. Merkava tanks destroyed the position’s main gate and forcibly entered the position,” it said in a statement, referring to the Israel Defense Forces. Israeli soldiers, it said, requested multiple times that the base turn out its lights. While no peacekeepers were hurt, the entry of Israeli forces onto a U.N. base risked undermining its neutral status and making it a target for Hezbollah, the peacekeepers said. It said the tanks left 45 minutes later after the mission filed a protest.

Israeli strike on hospital tent camp kills 4 and ignites a fire that burns dozens (AP) An Israeli airstrike on a hospital courtyard in the Gaza Strip early Monday killed at least four people and triggered a fire that swept through a tent camp for people displaced by the war, leaving more than two dozen with severe burns, according to Palestinian medics. The Israeli military said it targeted militants hiding out among civilians, without providing evidence. In recent months it has repeatedly struck crowded shelters and tent camps, alleging that Hamas fighters were using them as staging grounds for attacks. The Al-Aqsa Martyrs Hospital in the central city of Deir al-Balah was already struggling to treat a large number of wounded from an earlier strike on a school-turned-shelter that killed at least 20 people when the early morning airstrike hit and fire engulfed many of the tents.

Cameroon bans any talk about 91-year-old President Biya’s health (Reuters) Cameroon has outlawed any discussion about the health of 91-year-old President Paul Biya, a letter shared by the interior ministry said, after Biya’s prolonged absence fuelled widespread speculation he was unwell. Earlier this week, the authorities put out statements saying the president was on a private visit to Geneva and in good health, dismissing reports he had fallen ill as “pure fantasy”. In the letter to regional governors dated Oct. 9, Interior Minister Paul Atanga Nji said discussing the president’s health was a matter of national security. From now on, “any debate in the media about the president’s condition is therefore strictly prohibited. Offenders will face the full force of the law”, Nji said. Biya has not been seen in public since attending a China-Africa forum in Beijing in early September. His failure to appear as scheduled at a summit in France last weekend further stoked public discussion about his health.

Columbus likely Spanish and Jewish, study suggests (BBC) Famed explorer Christopher Columbus was likely Spanish and Jewish, according to a new genetic study conducted by Spanish scientists that aimed to shed light on a centuries-old mystery. Scientists believe the explorer, whose expedition across the Atlantic in 1492 changed the course of world history, was probably born in western Europe, possibly in the city of Valencia. They think he concealed his Jewish identity, or converted to Catholicism, to escape religious persecution. The study of DNA contradicts the traditional theory, which many historians had questioned, that the explorer was an Italian from Genoa. Countries have argued for years over the explorer's origin, with many claiming him as one of their own. There have been an estimated 25 conflicting theories of his birthplace, including Poland, Great Britain, Greece, Portugal, Hungary and Scandinavia.

[dandelionsresilience]

Good News - March 8-14, 2024

Like these weekly compilations? Support me on Ko-fi! Also, if you tip me on here or Ko-fi, at the end of the month I’ll send you a link to all of the articles I found but didn’t use each week - almost double the content! (I’m new to taking tips on here; if it doesn’t show me your username or if you have DM’s turned off, please send me a screenshot of your payment)

1. Colorado could bring back wolverines in an unprecedented rewilding effort

“A bipartisan group of Colorado lawmakers are proposing legislation to reintroduce wolverines, one of the country’s rarest carnivores, into a state primed with deep snow and high mountains. The unprecedented move would be the first wolverine reintroduction in North America, and is part of an ongoing effort by Coloradans to restore the state’s native species.”

2. heat pumps slash emissions even if powered by a dirty grid

“Installing a heat pump now is better for the climate, even if you run it on U.S. electricity generated mostly by fossil fuels. […] Across the 48 continental states, RMI found that replacing a gas furnace with an efficient heat pump saves emissions not only cumulatively across the appliance’s lifetime, but also in the very first year it’s installed.”

3. Bald eagles seen nesting in Toronto for first time in city’s recorded history

“Presence of birds proof of improving health of city’s green spaces, as they are highly sensitive to environmental disturbances”

4. Good news for coral reef restoration efforts: Study finds 'full recovery' of reef growth within four years

“"We found that restored coral reefs can grow at the same speed as healthy coral reefs just four years after coral transplantation," says Ines Lange of University of Exeter, UK. "This means that they provide lots of habitat for marine life and efficiently protect the adjacent island from wave energy and erosion."”

5. The rewilding project bringing back an ancient breed of cattle to Portugal

“For millennia, grazing aurochs created open spaces for other species to thrive. As the closest to the extinct auroch depicted on the prehistoric engravings, Goderie says tauros can fulfil [sic] a similar ecological function that is vital for biodiversity. "Natural grazing will lead to more natural processes that are missing from local ecosystems, more habitats and more biodiversity," he says.”

6. Sycamore Gap: New life springs from rescued tree

“The horticulturalists also successfully planted seeds from the Sycamore Gap tree, now its descendants. Five months on, they are looking after nine surviving grafted plants and 40-50 seedlings.”

7. Massachusetts library will excuse overdue book charges in exchange for cat photos: ‘Feline Fee Forgiveness’

““Some of the staff were in a meeting and they were coming up with ways to bring people back to the library, and they thought, ‘What if we removed as many barriers as possible and told people they could show us a picture of a cat, draw a picture of a cat or just tell us about a cat?'””

8. Lesbian couple give birth to each other’s baby in UK first

“Their success marks the first time the procedure – which allows lesbian parents to simultaneously share in the pregnancy process, with one supplying eggs and the other carrying the baby – has been carried out in the UK.”

9. Biden-Harris administration has established four new units in the National Wildlife Refuge System

“The new four-million-acre conservation area will provide crucial protected wildlife corridors, enhance outdoor recreation access to the public and bolster climate resilience in southwest Florida.”

10. New truck front to save lives

“[B]etter truck designs can reduce passenger car compartment deformations by 30-60 percent, which reduces the risk of injury for the car occupants. Deformation of the truck was also reduced in sensitive areas and improved truck driver safety and cargo security.”

March 1-7 news here | (all credit for images and written material can be found at the source linked; I don’t claim credit for anything but curating.)

[theseocompany0]

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For more information, you can visit our website https://danforthinsurance.com/ and call us at 647-350-0332

[cindylouwho-2]

Etsy Shop Closures - For Shipping Late?

UPDATE [May 27, 2024] - I am happy to announce that Heather's shop has been restored, with no explanation from Etsy as to what happened or why her appeal was denied. The only thing we know for sure is that publicizing the situation brought swift action. I am leaving this post up as a cautionary tale.

Warning to all sellers: it appears Etsy is now closing shops for a few orders being scanned or shipped later than the processing time that was listed on Etsy. 

That used to be something you might get a warning for, and in the last few years you might get a 90-day payment reserve, but closure is something new. 

I’ve come across a few of these cases in the past few weeks. The most egregious one where I can confirm most of the facts is Etsy’s closure of HeatherJordanJewelry, on May 23 or 22. The shop had Star Seller status (SSS) at the time (proving that SSS is useless to protect you from much, if Etsy decides they want you gone). Heather opened the shop in 2010 and had almost 10,000 sales, almost all at a much higher price point than the average Etsy order. 

What happened to Heather could happen to almost anyone. She had been commuting between her home in Toronto and her parents’ place near London ON to help them out. She had been mailing orders in both cities through ChitChats, a popular Canadian shipping service that allows users to ship via USPS (they transport the packages across the US border). ChitChats closed its London location April 30, but opened a London drop spot in mid-May, through courier service Intelcom. 

Heather started submitting her ChitChats orders there, and saw them scanned by staff. However, she only discovered later that those scans did not transfer to Etsy, so by the time the mail services scanned the packages 1-2 days later, it was past some of her processing times. This had not previously been a problem with the ChitChats office, and appears to be related to their new drop spot. 

Just a week later, Etsy notified Heather that it had issued a refund for one of her recent orders. When she went to her shop to check the case, she discovered the shop was suspended. She had not been notified of the suspension in any way. Heather appealed immediately and was rejected, with the Etsy rep claiming the account had “several risk indicators”.

After extensive discussion with Heather, the other known risk factors I identified are

Higher order values than most Etsy shops

Original shop location and current bank in the United States, where she lived when she opened. Since Etsy cannot transfer shop locations from the US to Canada (or between most countries), this is a common situation. Etsy never told her to close this shop and open a new one with Canadian banking info, and Heather was able to verify her bank etc. as most of us have had to do in the past few years.

Some orders show as shipping from Niagara Falls NY, where ChitChats drops off the USPS orders. Shipping from a different country is common, not just for Canadian shops using similar services, but also for anyone using print-on-demand services to fulfill orders. (Heather was only doing the former) 

If Etsy were shutting shops for 2 or 3 alone, we should be flooded with reports right now, but we aren’t. I know many Canadian shops with US bank info and/or US ship-from addresses, and they are still open. So the main trigger has to have been “shipping late” in Etsy’s eyes, even though the orders were dropped off and scanned within her processing times. Since I have received more than one message this month where “shipping late” seems to be the major issue, I am convinced this is now a large risk factor for being suspended, even if the shops do likely need other minor anomalies to get removed. Remember, Heather’s shop had Star Seller status at the time she was closed; it’s not as if she was doing tons of things wrong. 

So what does this mean? 

If I drop orders at UPS or Canada Post and they don’t scan them until the next day, does that mean Etsy closes my shop? 

What if you get into an accident after printing your shipping labels, so you can’t mail the day you said you would, just once? 

What happens when Etsy’s own systems make errors and say that tracked orders aren’t actually tracked? (Yes, that is happening.)

I sincerely think that Etsy’s automated systems have made a significant error here, which has taken away a major source of income from an innocent small business owner. Someone needs to review this case.

Mark this down as reason #5943 that you should never rely on an Etsy shop as your main income. 

Heather's own post on her Facebook page:

and

Please spread this story around so people can be aware of the risks of selling on Etsy.

[sellurcar]

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[alexeimarco1997]

Ordering Custom Promotional Products from Kustominds: A Smart Branding Move

Kustominds, a trusted name in custom promotional products in Toronto, Canada, and beyond, makes it hassle-free for businesses to order customized items that effectively promote their brand. Here's how to do it:

Website Visit: Begin by visiting Kustominds' official website at www.kustominds.com. The website offers an extensive selection of customizable promotional products to explore.

Product Exploration: Navigate through Kustominds' product catalog. You can search for specific items or browse categories that align with your marketing needs. Find the product that fits your branding strategy.

Product Customization: Click on the product of interest to access detailed information. Here, you'll discover product specifications, customization options, and pricing details. Kustominds offers a range of customization possibilities to ensure your product perfectly represents your brand.

Customization Specifications: Specify your customization preferences, such as logo placement, color choices, and desired quantities. This step allows you to fine-tune the product to match your brand's aesthetics and promotional objectives.

Request a Quote (If Needed): If you're considering a bulk order or have unique customization requirements, you can request a customized quote directly from the product page. Share the specifics of your request to receive a tailored quote.

Add to Cart: Once you're satisfied with the product and customization details, add it to your cart. You can continue exploring Kustominds' offerings or proceed to the checkout.

Order Review: Before finalizing your order, review the contents of your cart to ensure accuracy. Make any necessary adjustments, such as updating quantities or adding more items.

Checkout Process: When you're ready, proceed to the checkout. Here, you'll input your billing and shipping information. Kustominds offers secure payment options to facilitate a smooth transaction.

Order Submission: After confirming all order details and providing payment information, submit your order. You'll receive an order confirmation email containing essential information about your purchase.

Order Tracking: Kustominds provides an order tracking feature, allowing you to monitor the progress of your order and receive timely updates on its status.

Delivery at Your Doorstep: Sit back and relax while Kustominds processes your customized products. Once ready, your order will be promptly delivered to your designated address. Expect reliable and efficient delivery services.

Leverage Your Customized Products: Unbox your personalized promotional items and put them to work in your marketing endeavors, whether it's a trade show, corporate event, or customer appreciation campaign. These customized products will help your brand stand out and leave a lasting impression.

By following these steps, you can easily order customized promotional products from Kustominds and harness their branding potential to elevate your business in Toronto, Canada, or anywhere your marketing efforts take you.

[irinasellsbeaches]

Tatkal Reservation: Your Guide to Last-Minute Train Travel in India

For travelers in India, securing a train ticket at the last moment can be a challenge, especially during peak seasons. This is where the Tatkal reservation in train services comes to the rescue. Introduced by Indian Railways, the Tatkal train booking system allows passengers to Beaches Guide at short notice, ensuring flexibility for urgent travel plans. In this article, brought to you by Afre Studios, we explore the ins and outs of railway Tatkal booking, offering insights to make your travel planning seamless.

What is Tatkal Reservation?

The toronto beaches real estate reservation is a special quota system by Indian Railways designed for last-minute travelers. The word "Tatkal" means "immediate" in Hindi, and true to its name, this service allows passengers to book tickets one day in advance of the train’s departure. Whether it’s for a sudden business trip, a family emergency, or an impromptu getaway, Tatkal train booking ensures you don’t miss out on your journey.

How Does Tatkal Booking Work?

Railway Tatkal booking opens at 10:00 AM for AC classes and 11:00 AM for non-AC classes, one day before the train’s departure (excluding the day of travel). For instance, if a train departs on Wednesday, Tatkal bookings open on Tuesday morning. This limited window makes it a race against time, as tickets are allocated on a first-come, first time mortgage buyer.

Here’s a quick guide to the process, courtesy of Afre Studios:

Log in Early: Selling Your Home Toronto Beaches and Tourism Corporation (IRCTC) website or app a few minutes before the booking window opens.

Select Tatkal Quota: Choose the Tatkal option while searching for trains.

Provide Passenger Details: Fill in accurate passenger information, as Tatkal tickets require ID verification during travel.

Payment: Tatkal tickets come with a premium charge, so be prepared for slightly higher fares.

Confirmation: Once booked, you’ll receive a confirmed ticket or a waitlisted one, depending on availability.

Benefits of Tatkal Train Booking

The Tatkal reservation in train system is a boon for those who need to travel urgently. Here are some key advantages:

Quick Access: Book tickets just a day before travel, perfect for unplanned trips.

High Confirmation Chances: Tatkal tickets have a separate quota, increasing the likelihood of securing a seat compared to general waitlisted tickets.

Wide Availability: Available on most major trains across India, including popular routes.

Afre Studios tip: Always keep your ID handy, as Tatkal tickets are non-transferable and require verification during travel.

Challenges and Tips for Successful Booking

While Tatkal for train ticket reservation is convenient, it’s not without challenges. The high demand for tickets means you need to act fast. Here are some tips to improve your chances, brought to you by Afre Studios:

Fast Internet: Ensure a stable and high-speed internet connection to avoid delays during booking.

Pre-fill Details: Save passenger details on the IRCTC platform to speed up the booking process.

Alternative Trains: Check multiple trains on the same route, as some may have better Tatkal availability.

Use Authorized Platforms: Stick to the official IRCTC website or app to avoid scams.

Why Choose Tatkal?

The Tatkal train booking system is a lifeline for travelers who can’t plan far in advance. Whether it’s a last-minute festival trip or an urgent work commitment, this service ensures you can still board your desired train. However, due to the premium charges and limited seats, it’s wise to plan your booking strategy carefully.

At Afre Studios, we believe in empowering travelers with the right information to make their journeys stress-free. The Tatkal system, while competitive, is a reliable option when time is of the essence.

Conclusion

The railway Tatkal booking system is a game-changer for last-minute travelers in India. By understanding the process and preparing in advance, you can secure your Tatkal reservation in train with ease. Whether you’re a frequent traveler or planning a one-off trip, Afre Studios encourages you to leverage this service for a hassle-free experience. Happy travels!

[taxccountcanada]

Smarter Accounting Starts Here: Discover Virtual Accounting and Business Advisory Services with Taxccount Canada

In today’s fast-paced digital world, businesses need more than just number crunchers—they need partners who understand the bigger picture. That’s where Taxccount Canada steps in. We’re not your traditional accounting firm stuck in the past. We’re a modern, digital-first solution offering virtual accounting and business advisory services tailored for Canadian businesses of all sizes.

Why Go Virtual? Accounting That Moves with You

Gone are the days when managing your books meant piles of paperwork and in-person appointments. Virtual accounting brings flexibility, convenience, and cost-efficiency without compromising accuracy or compliance. Whether you're a startup founder, a solo entrepreneur, or running an established corporation, our online accounting services fit right into your workflow anytime, anywhere.

Key Benefits of Going Virtual with Taxccount Canada:

Real-time access to your financials through secure cloud platforms

Paperless processes that save time and reduce environmental impact

Proactive insights from experienced Canadian accountants

Fully remote services without losing the personal touch

CRA-compliant practices, always

We use secure, cloud-based tools like QuickBooks, Xero, and other trusted platforms to ensure your data stays safe and accessible, 24/7.

Our Virtual Accounting Services: All the Essentials, Digitally Delivered

We offer a full suite of virtual accounting solutions designed to take the stress out of your finances. Here’s a quick look:

✅ Bookkeeping That’s Always Up-to-Date

We handle your day-to-day bookkeeping tasks so you can focus on growing your business. No more late nights reconciling expenses or hunting for receipts—our team takes care of everything with precision.

✅ Payroll Services That Keep Everyone Happy

Payroll compliance in Canada can be a maze of rules and deadlines. Let us manage employee payments, source deductions, T4 filings, and more—accurately and on time.

✅ GST/HST Filing Without the Guesswork

Never miss another filing deadline. We stay on top of your sales tax obligations and ensure your GST/HST returns are filed correctly and punctually, helping you avoid penalties and interest.

✅ T2 Corporate Tax Filing with Confidence

Corporate tax season doesn’t have to be stressful. We prepare and file your T2 tax returns with the CRA, making sure you maximize deductions and stay fully compliant.

Business Advisory That Goes Beyond the Books

At Taxccount Canada, we don’t just help you record your numbers—we help you understand what they mean and how to act on them.

Our Accounting Advisory Services are designed to help you make smarter business decisions. Whether you’re planning to scale, need budgeting help, or want to improve your cash flow, our advisors are here to guide you.

How We Add Value as Business Advisors:

Strategic planning aligned with your business goals

Financial forecasting that helps you anticipate challenges

Cash flow management that supports growth and sustainability

Tax planning strategies that reduce your liabilities

Incorporation advice for new entrepreneurs looking to start strong

Think of us as your financial co-pilot, helping you navigate the ups and downs of running a business in Canada’s competitive market.

Who We Work With: Entrepreneurs, Startups, and Growing Businesses Across Canada

Our clients span a wide range of industries—from tech startups and e-commerce stores to consultants, contractors, and small-to-medium-sized businesses. We understand the unique challenges Canadian entrepreneurs face and tailor our services to fit your specific needs.

Whether you’re based in Toronto, Vancouver, Calgary, or anywhere else in Canada, our virtual model allows us to support you with seamless service and expert advice.

Why Choose Taxccount Canada?

With so many accounting firms out there, here’s what makes Taxccount Canada stand out:

Security-first approach to protect your financial data

Personalized support from experienced Canadian CPAs

Forward-thinking advice to help you grow, not just survive

Fully digital and remote, saving you time and money

CRA-compliant, every step of the way

Our mission is simple: to simplify your finances so you can focus on what you do best—running your business.

Let’s Talk About Your Numbers—Virtually

You don’t need to wait for tax season to get started. The sooner you take control of your finances, the better your business will run. Ready to make smarter financial decisions with less stress?

Get in touch with Taxccount Canada today and discover how our virtual accounting and business advisory services can elevate your business.

📞 Contact Us Now at www.taxccount.com 📧 Or email us at: info@taxccount.com

[metaapply]

Canada has long been a favourite destination for international students due to its world-class universities, multicultural environment, and student-friendly immigration policies. However, to turn your dream of studying in Canada into reality, obtaining a Canada student visa—also known as a study permit—is the most crucial step. This article walks you through everything you need to know about applying for a Canadian student visa, from eligibility criteria and required documents to the application process and post-arrival requirements.

Why Study in Canada? Before diving into visa details, let’s understand why Canada is such a popular study abroad destination:

Globally Ranked Institutions: Universities like the University of Toronto, McGill University, and the University of British Columbia consistently rank among the top in the world.

Affordable Education: Compared to countries like the US or UK, Canada offers relatively lower tuition fees and living expenses.

Work Opportunities: International students can work up to 20 hours per week during semesters and full-time during scheduled breaks.

Pathway to PR: Studying in Canada can lead to Permanent Residency through programs like the Post-Graduation Work Permit (PGWP) and Express Entry.

What Is a Canada Student Visa (Study Permit)? A Canada student visa allows foreign nationals to study at designated learning institutions (DLIs) in Canada. While a visa is an official document placed in your passport to allow entry, a study permit is what lets you stay in Canada for the duration of your studies.

You usually need both:

A Visitor Visa or Electronic Travel Authorization (eTA) for entry.

A Study Permit to remain and study in Canada.

Eligibility Criteria for Canada Student Visa To be eligible for a Canadian study permit, you must:

Have a letter of acceptance from a Designated Learning Institution (DLI).

Show proof of sufficient funds to cover:

Tuition fees

Living expenses for you and any family members accompanying you

Return transportation for you and any family members

Be a law-abiding citizen with no criminal record.

Be in good health and willing to complete a medical exam if required.

Convince the immigration officer that you will leave Canada upon completion of your studies.

Documents Required When applying for a Canada student visa, ensure that you have the following documents:

A valid passport

Letter of acceptance from a DLI

Proof of funds (bank statements, education loan, scholarship letter, etc.)

Passport-size photographs (as per the specified dimensions)

Immigration Medical Examination (IME)

English language proficiency score (IELTS/TOEFL, if applicable)

Statement of Purpose (SOP)

Custodian declaration (for minors)

Visa application form (IMM 1294)

Receipt of payment of application fee

Canada Student Visa Application Process Follow these steps to apply for a Canada study permit:

Get the Acceptance Letter Apply and secure admission in a DLI in Canada. You’ll need an official acceptance letter to proceed with your visa application.

Gather Documents Collect all required documents. Ensure they are accurate and complete to avoid delays.

Apply Online Create an account on the official IRCC (Immigration, Refugees and Citizenship Canada) website and fill in the application form (IMM 1294). Upload your documents, pay the fee (CAD 150), and submit.

Biometrics & Medical Exam After submission, you will receive instructions for:

Biometrics (fingerprints and photo)

Medical exam from a panel physician

Visa Decision Once your application is processed, you will receive a Port of Entry (POE) Letter of Introduction and, if required, a visitor visa or eTA. Show these to immigration officials upon arrival in Canada.

Processing Time and Fees Processing Time: Typically 3–12 weeks, depending on your country and application accuracy.

Visa Fee: CAD 150 for the study permit. Biometrics may cost an additional CAD 85.

Canada Student Direct Stream (SDS) If you’re from countries like India, China, the Philippines, or Vietnam, you may apply through the Student Direct Stream (SDS) for faster processing (as little as 20 calendar days).

Requirements for SDS:

Guaranteed Investment Certificate (GIC) of CAD 10,000

Tuition payment proof for first year

IELTS score of at least 6.0 in each band

Other standard documents

Post-Arrival Requirements Once you arrive in Canada:

Show your Letter of Introduction to the immigration officer

Get your study permit issued at the port of entry

Apply for a Social Insurance Number (SIN) to work part-time

Working While Studying Your Canada study permit allows you to:

Work up to 20 hours per week during academic sessions

Work full-time during breaks (e.g. summer or winter holidays)

Pathway to Permanent Residency One of the biggest advantages of studying in Canada is the Post-Graduation Work Permit (PGWP). This allows you to work in Canada for up to three years after graduation, depending on your course duration. Gaining Canadian work experience boosts your chances of qualifying for PR under the Canadian Experience Class (CEC) via Express Entry.

How MetaApply IE Can Help Navigating through visa processes, documentation, and university selection can be overwhelming. MetaApply IE is here to support you at every step. From choosing the right program to filing your Canada student visa application, our experts ensure a smooth, hassle-free journey.

You can also explore MetaApply Career Counselling to get personalised advice on course and university selection based on your strengths and interests. We help you align your educational path with your long-term career goals.

Conclusion Canada offers a robust education system, cultural diversity, and opportunities for growth, making it an ideal destination for international students. Getting a Canada student visa may seem daunting, but with the right guidance and preparation, you can set yourself up for academic and career success. Let MetaApply IE be your trusted partner in this transformative journey.

[ficwritersretreat]

FIC WRITERS' RETREAT 2024

Registration Now Open!

WE'RE BACK TO ANNUAL, EVERYONE!!! Seventh Ontario Fic Writers' Retreat, first held in 2016, coming once again in 2024.

To Register, Click Here

When: August 8-11 2024

Where: Blue Mountain Chalets, Collingwood, Ontario

What is it? Four days spent with other fic writers, at all levels of experience. There will be a mix of workshops (Topics TBA and open to suggestions), prompts and challenges, and plenty of independent writing time for your own personal projects. (This year there's also a hot tub and an optional trip to the beach!)

It’s also an opportunity to make connections with people who share your interests and passions, and where you can focus on your own goals and creativity.

Cost (in CANADIAN DOLLARS): $450.00 

(approximately $332 USD as of this posting)

Here’s what you get for it:

Food Costs (with all participants helping with prep and cleanup - see note below)

Accommodation (Shared rooms but NOT shared beds - sorry)

Use of a hot tub and sauna at this year's venue (New this year!)

Daily workshops and writing sessions (2+ per day)

Registration fee included in the price

Registration Process:

Click on the Registration Link, above.

Complete the form and submit it.

Select a payment option: a) e-transfer (Canadian residents only) or b) PayPal (link in registration form)

Make your deposit of $225 CAD (50% of total cost) to complete your registration

Second payment is due on July 9, 30 days before the retreat begins.

Space will be allocated on a first-come, first served basis. There are 24 spaces available, after which names will be placed on a waiting list (no payment will be required unless you are offered a spot).

Travel to Toronto is not included.

However, since several participants (and the organizer) live in the area, we have always been able to arrange ride-shares from the Toronto Airport to the various venues. These connections will be arranged after registration.

Contact me with any questions! Or see the FAQ Page

***A note regarding meals: They'll look a little different this year - we'll be making our own! The venue is a pair of summer chalet/cottage spaces with full kitchens. All participants will be asked to take part in making meals happen - either for planning, picking up groceries, preparation or clean-up. The cost of the food is included in the price.

Tags under the cut. Let me know if you want to be tagged in this. If you’re not tagged it’s because I didn’t know you were interested. (Or I used an old list and forgot, or I thought you'd asked to not be tagged - correct me if I was wrong!) It's not because we don't want you! Please come.

@totallysilvergirl @blogstandbygo @addictedstilltheaddict @onwallsjcfwrites @amindamazed @fearlessdiva930 @cirquedereve @antheiasilva @inevitably-johnlocked @pippn-frodo @stellacartography @muaddib-iswriting @keirgreeneyes @missdaviswrites @nautilicious @otter-von-bismarck @mydogwatson @pipmer @aquabelacqua @may-shepard @pippn-frodo @weneedtotalkaboutfilms-blog @shirleycarlton @daringlydomestic @quesarasara @laughing-at-the-darkness @ellipsical-elle @fluffbyday-smutbynight @kettykika78 @vulgarweed @hellonewsletter @atlinmerrick @podfixx @stellacartography @1-800-get-sherlocked @thegildedbee @letteredlettered @inexplicifics @storyshark2005 @tiger-in-the-flightdeck @seriouslymarythough @anyawen @topsyturvy-turtely @noadventureshere221b @gay-pirate-anime @simpledontmeanpeachy @helloliriels @hopipp @masked-alias @doctornerdington

[llivo-team]

Must-Know Legal Tips for Airbnb and Vacation Rentals in 2025

Navigating Short-Term Rental Laws: A Global Host's Guide to Compliance and Success

The short-term rental industry is undergoing dramatic regulatory changes worldwide in 2025, with 85% of Airbnb listings located outside the United States. Whether you're managing a vacation rental in Barcelona, a holiday home in Bali, or an apartment in Tokyo, understanding local laws is crucial for sustainable hosting. At Llivo—the only platform combining short-term rentals with airport pickup services—we help hosts navigate these complexities while maximizing earnings through our host-friendly 12% fee structure and zero guest fees.

This comprehensive guide covers:

Global regulatory trends impacting short-term rentals from Europe to Asia

Step-by-step compliance strategies for hosts worldwide

How Llivo's unique model helps hosts avoid common legal pitfalls

Actionable tips to protect your rental business in 2025's evolving landscape

1. 2025's Global Short-Term Rental Regulations

A. Worldwide Regulatory Trends

The short-term rental market faces increasing scrutiny across continents:

Europe:

Barcelona's controversial "license lottery" system has reduced available rentals by 40% since 2023.

Paris enforces strict 120-night annual limits with €50,000 fines for violations.

Portugal's new "Mais Habitação" law bans new AL (Alojamento Local) licenses in major cities.

Asia-Pacific:

Japan requires all minpaku operators to register with local governments.

Bali mandates special permits for villas under new 2025 tourism laws.

Australia's NSW region imposes 180-day caps with hefty penalties.

Americas (Beyond USA):

Mexico City introduced neighborhood-specific zoning restrictions.

Toronto requires principal residence proof for all STR operators.

Rio de Janeiro limits rentals to specific tourist zones.

Pro Tip: Always check Llivo's Policies and Best Practices for updated country-specific guides before listing your property.

B. The Tax Compliance Challenge

Global hosts must navigate:

VAT/GST requirements in EU/UK/Australia (typically 10–20%).

Tourist taxes (€1–5 per night in most European cities).

Income reporting thresholds varying by country.

Critical Note: Many platforms only handle tax collection in certain regions—hosts are often responsible for remitting payments.

2. Essential Legal Framework for International Hosts

A. Global Licensing Requirements

Every host should secure:

Business registration (varies from simple sole proprietorship to full company setup).

Tourism accommodation license (required in 75% of markets).

Safety certifications (fire, electrical, gas).

Regional Examples:

EU: CE marking for all appliances.

UK: Gas Safety Certificate mandatory.

UAE: DTCM license required in Dubai.

B. Insurance Considerations Worldwide

Standard policies often exclude STR activities. Recommended coverage:

Public liability (minimum €1M in EU, $1M in Americas).

Contents insurance for host and guest belongings.

Loss of income protection for regulatory changes.

Llivo Advantage: Our host protection program includes €1M liability coverage in eligible markets.

3. Operating Legally Across Different Jurisdictions

A. Lease and Ownership Restrictions

Renters: 60% of global markets require landlord consent.

Condo/HOA rules: Increasingly ban STRs (especially in Thailand, Spain, Canada).

Co-ownership properties: Often have additional restrictions.

B. Data Privacy Compliance

With GDPR (EU), PIPL (China), and other regulations:

Guest data collection must be documented.

Security cameras require explicit disclosure.

Payment processing must meet local standards.

4. How Llivo Supports Global Hosts

A. Localized Compliance Tools

Automated tax calculations for 45+ countries.

Permit requirement checklists by city.

Document storage for licenses and certifications.

B. Competitive Advantages

12% host fee (vs Airbnb's 15–20%) means more profit for compliance costs.

Airport transfer integration reduces illegal taxi risks for guests.

Multilingual support for cross-border hosting.

Global Hosting Best Practices

Research Before Listing

Consult local tourism boards.

Join host associations in your region.

Verify zoning laws with municipal offices.

Document Everything

Keep copies of all permits.

Maintain guest registration records.

Save tax payment confirmations.

Stay Adaptable

Regulations change frequently—set Google Alerts for your market.

Consider forming local partnerships for complex markets.

Leverage Technology

Use channel managers that track regulatory changes.

Implement automated compliance checks.

Conclusion

Navigating 2025's global short-term rental landscape requires vigilance but offers tremendous opportunities. By combining local compliance knowledge with Llivo's host-friendly platform, you can build a sustainable rental business that stands the test of time and regulation.

Ready to list your property? Join Llivo's global host community today and enjoy lower fees, built-in compliance tools, and premium airport transfer integrations.

Author Bio

Khurram Iqbal Founder of LLIVO | Global Short-Term Rental Expert | Advocate for Fair Hosting Regulations | IT Innovation Leader

Disclaimer

This article provides general information about international short-term rental regulations. Laws change frequently and vary by jurisdiction. Always consult local legal experts for specific advice. Users are advised to validate the accuracy of data as it might not be exact, and LLIVO is not responsible for the accuracy of data.

[greenwayautorec]

How to Avoid Scrap Car Scams in Toronto

You’ve made the decision to scrap your old car. It’s rusty, unreliable, and sitting unused in your driveway. You’ve heard that you can get some quick cash and do the environment a favour by recycling it. But as with any industry, the auto scrapping world has its share of shady operators—especially in a busy market like Toronto.

At Greenway Auto Recycling, we’ve seen countless customers fall victim to scrap car scams or misleading deals before finding us. That’s why we’re here to arm you with knowledge so you can safely scrap your vehicle and avoid becoming another cautionary tale.

In this guide, we’ll walk you through the common types of scams, how to spot red flags, and the proper steps to take when scrapping your vehicle in Toronto.

Common Scrap Car Scams in Toronto

1. “Up to” Pricing Tactics

Some companies advertise payouts like “Get up to $1000 for your car!” only to offer you $100 after inspection. This bait-and-switch tactic hooks you in with inflated expectations and leaves you with less than your car’s true scrap value.

2. No Payment or Delayed Payment

Some operators take your car without paying anything upfront, promising to send a cheque or e-transfer later—which never arrives. Once the vehicle is gone, so is your leverage.

3. Charging for Towing

Legitimate auto recyclers in Toronto typically offer free towing as part of the service. Scammers, however, may demand a tow truck fee at the last minute, sometimes even more than what they’re paying you for the car.

4. "No Paperwork Required" Deals

If a scrap yard says they don’t need your vehicle registration or ownership documents, it’s a major red flag. These deals can lead to stolen or illegally resold vehicles, and you could remain legally responsible for your car after it’s left your possession.

How to Avoid These Scams

1. Work With a Reputable Scrap Car Removal Service

Start by researching legitimate auto recyclers in your area. Look for:

Verified Google reviews with consistent positive feedback

A physical address and company name listed on their website

Accreditation with the Better Business Bureau (BBB)

Membership in professional organizations like OARA (Ontario Automotive Recyclers Association)

Greenway Auto Recycling is proud to meet all of these criteria. With over a decade of experience and hundreds of happy customers in the Greater Toronto Area, we put integrity first.

2. Request a Written Quote

Before scheduling a pickup, ask for a firm quote in writing (text or email is fine). Be sure to provide accurate information about your vehicle—make, model, year, condition, and whether it has all its parts.

Avoid vague promises like “we’ll give you the best price”—insist on specifics. At Greenway, we always provide fair market quotes based on current scrap metal rates and part value.

3. Never Pay for Towing

If a company wants to deduct a towing fee from your car's value or asks you to pay upfront, walk away. Honest recyclers like Greenway offer free towing across Toronto and the GTA with no hidden charges.

4. Insist on Immediate Payment

You should be paid on the spot, in cash or via certified e-transfer, before your vehicle is loaded onto a tow truck. Don’t fall for promises of future payments. Once the car leaves, your leverage disappears.

Greenway guarantees same-day pickup and payment, so you’re never left wondering.

5. Transfer Ownership Properly

To avoid future legal or financial liabilities, you must officially transfer ownership of your car. This includes:

Completing the Used Vehicle Information Package (UVIP) if required

Signing the vehicle ownership permit and removing the license plates

Reporting the sale to ServiceOntario

This protects you from issues like unpaid tolls or criminal activity involving your former vehicle. Greenway always walks customers through this process to ensure everything is done by the book.

6. Ask for a Bill of Sale or Receipt

A proper transaction should include a receipt or bill of sale that states the agreed amount, buyer’s details, and the date. This is your proof that the vehicle is no longer in your possession.

At Greenway, we provide documentation with every scrap car pickup for your peace of mind.

7. Don’t Fall for High-Pressure Tactics

Scammers often use pressure tactics to force a quick decision. If someone insists you accept a lower price “right now” or threatens to leave if you don’t act immediately, take a step back.

You have every right to consider your options and get multiple quotes. A reputable company respects that.

The Right Way to Scrap Your Car in Toronto

Here's a quick step-by-step summary of how to scrap your car the right way:

Gather your documents – ownership permit, UVIP, ID.

Get multiple quotes from different scrap car removal services.

Choose a reputable company like Greenway Auto Recycling.

Schedule a pickup with confirmed date, time, and location.

Remove your license plates and personal items.

Transfer ownership and complete paperwork.

Get paid immediately and ask for a receipt.

Why Choosing a Trusted Recycler Matters

Beyond avoiding scams, working with a legitimate company like Greenway Auto Recycling has environmental benefits. We:

Safely dispose of hazardous fluids

Salvage usable parts for resale or reuse

Recycle metals and materials to reduce landfill waste

Help lower carbon emissions by supporting the circular economy

You're not just getting rid of an old car—you’re making a responsible, eco-friendly choice.

Final Thoughts

Scrapping your car shouldn’t feel like a gamble. With a bit of preparation and the right partner, you can turn your old clunker into fast cash—without falling victim to scams.

At Greenway Auto Recycling, we’re committed to making the process safe, simple, and transparent. We offer top-dollar quotes, free towing, and a hassle-free experience across Toronto and the GTA.

Got a scrap car to get rid of? Call us at (416) 783-9026 or visit www.greenwayautorecycling.com to get your instant quote.

[ajpmortgage01]

How to Find Best Mortgage Broker in Ontario

Ontario's housing market has been on the rise, with home prices increasing by over 15% in 2024. The stress-test rules now require many buyers to qualify for smaller loans than they expected, making it even more important to find the right mortgage broker. In Greater Toronto, the average home price hit $1.1 million in March 2025. This means that small differences in mortgage rates can translate into tens of thousands of dollars over the life of a loan. Working with the Best Mortgage Broker in Ontario can help you save time, money, and stress.

What You’ll Learn:

How to choose the right mortgage broker

Steps to research brokers in Ontario

Key questions to ask during interviews

Ontario-specific programs and incentives

Ontario Housing Insights:

The OSFI stress test, which increased on January 1, 2024, requires borrowers to qualify at the higher of their contract rate + 2% or the five-year benchmark rate (currently 6.45%).

The average home price in the Greater Toronto Area (GTA) hit $1.1 million in March 2025, while the average price in rural Ontario was $630,000 in Q1 2025.

More buyers are seeking affordable housing options in cities like Hamilton, Kitchener-Waterloo, and Ottawa.

What Does a Mortgage Broker Do?

A mortgage broker acts as an intermediary between you and lenders, such as banks, credit unions, monoline lenders, and private lenders. Instead of dealing with one lender, they gather your financial details, find the best mortgage options, and guide your application through the approval process.

Why Choose a Mortgage Broker?

Access to More Lenders: Brokers work with a variety of lenders, giving you access to a wider range of mortgage products than just the big banks.

Expert Guidance: They’re familiar with Ontario-specific regulations, including the OSFI stress test and down payment rules.

Save Time: Brokers handle most of the paperwork and communication with lenders, making the process more efficient.

How Do Mortgage Brokers Get Paid? Mortgage brokers are commission-based. This means they earn a commission from the lenders once the deal is closed, so their services come at no extra cost to you. Since their payment depends on a successful deal, brokers are motivated to find the best mortgage fit for you.

What to Look for in a Mortgage Broker

Experience & Expertise

FSRA Licensing: Ensure your broker is licensed through the FSRAO database.

Industry Certifications: Look for professional designations like AMP (Accredited Mortgage Professional) or CMT (Certified Mortgage Technician).

Local Experience: A broker with experience in your area (GTA vs. rural Ontario) will have a better understanding of local market conditions.

Specializations: Some brokers specialize in first-time homebuyers, self-employed borrowers, or investment portfolios.

Lender Relationships

A well-connected broker will work with a variety of lenders, from big banks to private lenders.

Experienced brokers can also negotiate better rates or get special offers for their clients.

Customer Service & Communication

Look for brokers who are responsive and keep you updated on your application status.

They should be able to clearly explain the impact of the OSFI stress test, amortization options, and other mortgage-related topics.

Professional Certifications

Ensure the broker has a valid Mortgage Broker License Ontario.

Certifications like AMP or CMT show their commitment to staying up to date with industry standards.

How to Research Mortgage Brokers

Check Online Reviews Look at reviews on Google, Facebook, and Yelp. Focus on detailed reviews and look beyond just the star ratings.

Red Flags: If you see several complaints about hidden fees or poor communication, proceed with caution.

Ask for Referrals Ask your real estate agent, friends, or family for recommendations.

Ask: “Who helped you close your deal, especially with the new stress-test rules in place?”

Follow-up: “Was there anything surprising about their process?”

Professional Associations Membership in organizations like the Ontario Association of Mortgage Brokers or Mortgage Professionals Canada is a good sign of a broker’s commitment to ethical standards and continuing education.

Broker Websites & Social Media Check for a well-designed website with useful tools like mortgage calculators, downloadable guides, and comparison charts. Explore AJP Mortgage’s Residential Mortgage Broker in Ontario page to learn more about their offerings.

Social Media Engagement: Look for brokers who post regularly about relevant topics, like the Ontario Land Transfer Tax Rebate or green mortgage options.

Interviewing Mortgage Brokers

Questions to AskTopicSample QuestionLender Network“Which lenders do you work with in Ontario, besides the Big Five?”Rates & Fees“What are the expected rates and fees for a $750,000 purchase?”Communication“How often will you update me on the status of my application?”

What to Look For:

Can the broker explain the OSFI stress test and how it affects you?

Do they offer solutions for low down payments or self-employed borrowers?

Comparing BrokersBrokerRate (5-Year Fixed)FeesLender PanelService StyleAJP Mortgage4.99%No borrower feesBanks, credit unions, private lendersHigh-touch, weekly updatesBroker B5.10%$500 admin feeBanks onlyEmail updates only

Red Flags: If a broker is vague about their lender panel or charges hidden fees, consider looking elsewhere. Make sure they understand the local market and have experience with a variety of mortgage options.

Key Decision Factors: Focus on transparency, the broker’s communication style, and the overall cost of your mortgage.

Verifying Broker Credentials

Check FSRA Registration Use the FSRAO License Lookup to verify the broker’s status.

Review Disciplinary Records Search the FSRA decisions or Google “[Broker Name] complaint Ontario” to check for any issues.

Ontario-Specific Programs & Incentives

ProgramDetailsEligibility First-Time Home Buyer Incentive Shared equity mortgage up to 10% (purchase) Canadian citizens, first-time buyers

Ontario Land Transfer Tax Rebate Up to $4,000 rebate (Toronto adds municipal tax)First-time buyers Green MortgagesRate discounts for ENERGY STAR certified homesPurchases/renovations Newcomer & Self-Employed Solutions

Alternative income verificationPermanent residents, self-employed

The Mortgage Process

Initial Consultation & Needs Assessment: Discuss your goals, budget, and timeline.

Document Gathering & Pre-Approval: Submit documents such as income proof, credit report, and ID.

Lender Matching & Application Submission: Your broker submits your application to selected lenders.

Conditions & Final Approval: Address any conditions such as appraisals, insurance, or title searches.

Closing & Ongoing Support: Receive your funds and get any post-closing support you need.

Common Mistakes to Avoid

Focusing only on the lowest rate without considering other factors like lender panel and fees.

Not choosing a broker with a wide range of lender connections.

Overlooking the importance of timely communication—delays can cost you rate holds.

Skipping the fine print on penalties, portability, and prepayment options.

Conclusion & Next Steps

Choosing the right mortgage broker is about more than just getting the lowest rate—it’s about working with someone who understands the market, has strong connections, and communicates clearly. Always check their FSRA license, read real reviews, and ask for recommendations from trusted sources. A good broker will also help you take advantage of Ontario-specific programs like the First-Time Home Buyer Incentive or Land Transfer Tax Rebate to save even more.

Choosing the right mortgage broker today can have a big impact on your financial future.