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3 misconceptions about retirement in Canada –



A new report found that the reality of retirement in Canada isn’t quite what people expect it to be.

The online poll of 1,800 people conducted by Ipsos on behalf of RBC revealed notable misconceptions surrounding retirement. They include the timing of that last day on the job and how Canadians actually spend their days after clocking out.

Respondents were Canadians 55 years and older, some in their pre-retirement years and others who have already retired. An important caveat is that all said they have retirement assets of $100,000 or more.

“Our expectations for retirement aren’t always met,” said Rick Lowes, vice president of retirement strategy of RBC.

Here are the three common misconceptions highlighted in the report.

1. Most people don’t know their retirement date far in advance

So much for counting down the days to retirement months in advance. Among the survey respondents, 55 per cent expected to know their retirement date a year or more in advance. But just 39 per cent had that much notice.

In fact, 16 per cent had no advance notice of their retirement. The results varied from province to province: Respondents in Atlantic Canada were the most likely to say they had no notice before their retirement day arrived. 

Marissa Lennox, chief policy officer for CARP, the Canadian Association of Retired Persons, said health is the No. 1 reason people end up retiring earlier than expected.

“People in bad health often overestimate how long they can work,” she said. “The second reason is familial issues. Someone may choose to leave the workforce to care for a parent, spouse or grandchild.”

Mandatory retirement ages are no longer legal, but things like lay-offs, restructuring, and redundancy brought about by technology also push people into retirement with little notice, Lennox said.

2. Only a minority become ‘snowbirds’

Retiring to sunnier climes is a common Canadian dream. Close to a third of poll respondents said they expect to be “snowbirds” who spend the winter months in warmer locations such as Florida, Arizona or Mexico.

But of those respondents who had actually retired, just 18 per cent actually fly south for winter. That stat doesn’t surprise Lennox. 

“The fact is while it’s nice to fantasize about retiring in a little beach town in paradise somewhere, or spending the better half of our lives travelling the world, it’s just not realistic for most,” she said.

The survey found that those from Alberta were the most likely to be snowbirds at 32 per cent, followed by retirees from Saskatchewan and Manitoba at 23 per cent.

Ernie Zelinski, author of How to Retire Happy Wild and Free, says the types of jobs available to people after they retire can often be a shock. (Submitted by Ernie Zelinkski)

3. Few people work part-time after retirement

Many Canadians plan to have some sort of second act in retirement, working either full or part-time once their main career has come to an end. In fact, they may be counting on it to pay the bills, said Lowes.

Among the poll’s respondents who hadn’t yet retired, 50 per cent said they expected to work at least part-time but just 11 per cent of retirees polled said they’d found work.

“If we haven’t had early notice of retirement, and we haven’t got plans in place, and we may be relying on work to help us achieve our goals, that may not be as available as we’d hoped,” he said. Retirees may discover that it’s harder to get a job than expected, or at least the kind they’d hoped for that will accommodate a semi-retired lifestyle.

Edmonton retiree Ernie Zelinski, author of How to Retire Happy Wild and Free, said people may discover that the type of work they can get in retirement isn’t worth it.

“If you’ve been making a job at $120,000 a year and then you lose your job at 55 and then you have to work a job at $15 an hour, is that going to be sufficient? Those factors have to come into effect too. Would you enjoy being a Walmart greeter or anything else that may be available to you?”

Lennox said she questioned the report’s finding about the small portion of working retirees, given the number of CARP members who say they counting on income from part-time work.

However, she said one explanation could be that since so many are retiring later in life, their ability and desire to work once they’ve finally hung up their hats isn’t what they expected.

“The trend is that people are retiring in their 70s and 80s, so the likelihood of going back to work after that point is much lower,” Lennox said. “We’re thinking of the traditional retirement age of 55 or even 65, and that’s just not what’s happening today.” 

The findings are part of a poll that was conducted between April 2 and April 8, 2019. For this report, the data is drawn from a sample of 1,800 people age 50 or more who have retirement assets of $100,000 or more. The results are considered accurate to within +/- 2.6 percentage points, 19 times out of 20.

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Restrictions lifted in Quebec despite Canada's top doctors warning of a fourth wave – CTV News Montreal



At a minute past midnight Sunday, more COVID-19 restrictions in Quebec were lifted including how late bars and restaurants could serve alcohol and festival capacities.

Bars and restaurants are now permitted to serve alcohol until 1 a.m. with closing time pushed to 2 a.m.

Ten people or three private residences can share a table and tables must remain two metres apart indoors when there are no partitions between them. Outdoor terrasses can seat 20 per table, and those tables must be a metre apart.

In indoor auditoriums and stadiums, the capacity is now 7,500 people with assigned seating (with one empty seat between people from different households), with sections divided into a maximum of 250 people per section. Mask-wearing is still mandatory inside while not seated.

For outdoor festivals, 15,000 people are now permitted to attend in pre-assigned seats or standing in 500-people sections. Two-metre distancing is required, and mask-wearing is recommended by public health when people are circulating. A monitor is required to keep an eye on all participants. For complete rules on festivals and events, visit the Quebec public health site.

The sports community was quick to respond.

In soccer, CF Montreal announced that it will be able to receive fans in all sections of Saputo Stadium (in compliance with physical distance rules) as of next Wednesday, Aug. 4, during its game against Atlanta United.

The CFL’s Montreal Alouettes play its first game in Montreal on Aug. 27 against the Hamilton Tiger Cats.

The team said it was “extremely happy” with the new relaxations.

The Alouettes announced that individual tickets will be sold to the general public starting Monday morning.

Tennis Canada said that the National Bank Open, which will be held from Aug. 7 to 15 at the IGA Stadium, is maintaining a maximum capacity of 5,000 spectators per match in Montreal. The centre court can usually accommodate up to 12,000 people. 

Canada’s Chief Public Health Officer, Dr. Theresa Tam, released modelling on Friday that indicates cases are beginning to rise as a result of the more contagious Delta variant, but there is still time to flatten the curve.

On Friday, Quebec reported 78 more Delta cases of the 125 new COVID-19 cases. Quebec’s total number of Delta cases (356), is at the low end of Canada’s overall numbers (9,841). Ontario leads the way with 4,565 total, followed by Alberta (2,004) and BC (1,664).

Epidemiologist Dr. Christopher Labos said the number one way to protect against a Delta-driven fourth wave of COVID-19 is to convince Quebecers who have yet to get a vaccine to do so immediately.

“If you’re not vaccinated, keep your distance from other people,” he said. “The problem with COVID is not just that it’s infectious, but that a significant portion of the people who get it get seriously ill and end up in hospital.”

— with files from The Canadian Press.

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Immigration: Canada expands non-Canadians’ rights to information and privacy requests – Canada Immigration News



Published on August 1st, 2021 at 05:00am EDT

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Earlier this month, Canada announced a major change to its rules for access to information and privacy (ATIP) in the Canada Gazette.

The change is simple, but the impacts are profound. The Canadian government is going to allow anyone to make an ATIP request under the Privacy Act. This new policy will bring Canada into line with global standards on ATIP. It will also vastly expand the rights of non-Canadians.

Discover if You’re Eligible for Canadian Immigration

Laws such as the Privacy Act allow people to make ATIP requests to the federal government. Immigration, Refugees, and Citizenship Canada (IRCC) is a federal agency, so it is subject to the Privacy Act.

Currently, there are limitations on who can make an ATIP request through the Privacy Act. One of the items limits the right of access to two groups:

  • Canadian citizens and permanent residents, inside or outside of Canada; and
  • any entity (person or business) inside Canada, whether a citizen or not.

This limitation means that non-Canadians who are outside of Canada cannot make requests under the Privacy Act. There is a way to get around this rule. An ineligible person can get someone who is eligible to make a request on their behalf. However, this process can be expensive and time-consuming.

Having the ability to make an ATIP request to IRCC can be very helpful. For example, an ATIP request can allow a person to access their Global Case Management System (GCMS) notes. These are the detailed records of a person’s immigration case. They will explain IRCC staff’s thinking and decision-making. They can help a person understand why IRCC has decided the way it has. This knowledge, in turn, can also help the person challenge the IRCC decision. For example, the person could show the officer ignored or mis-interpreted something.

IRCC is a popular target for ATIP requests. In fact, there are more ATIP requests for IRCC than there are for any other federal government department combined.

Because this change is so important, IRCC expects it will need time to make sure it goes smoothly. For example, IRCC will have to change forms and processes. It will also likely have to deal with a much greater number of requests. For this reason, the government is delaying when the new rule takes effect. Per the Canada Gazette, the Canadian government changed the Extension Order on July 14, 2021. However, the Gazette also noted that the change takes effect on its first anniversary. This means that on July 14, 2022, the new rule will come into force.

The new rule is a major step forward for non-Canadians. There is a delay in effect. This delay, itself, is because the change is so large and important.

Discover if You’re Eligible for Canadian Immigration

© CIC News All Rights Reserved. Visit to discover your Canadian immigration options.

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While you were sleeping: How Canada performed at Tokyo Olympics Friday, Saturday – Global News



Canada won its latest swimming medal at the Tokyo Olympics Saturday, while athletes managed to advance to future rounds in multiple track and field events.

Here’s what you may have missed from the day’s events.

Read more:
Olympics medal count: Here’s who won the most medals during the Tokyo Games


Kylie Masse won her second silver medal of the Tokyo Games in the women’s 200-metre backstroke, adding to her medal in the 100-metre backstroke.

Taylor Ruck, also swimming for Canada in the backstroke, managed a sixth-place finish.

On the men’s side, Brent Hayden tied for fourth in the 50-metre freestyle semifinal with Russia’s Kliment Kolesnikov — and tied his personal best time — but it wasn’t enough to the final.


Sage Watson made it through to Monday’s semifinal of the women’s 400-metre hurdles after finishing fourth in her heat. Noelle Montcalm wasn’t so lucky, placing sixth, although she managed a new season best performance.

Marco Arop won his heat in the men’s 800-metres, sending him to the semifinals on Sunday. Brandon McBride won’t join him after finishing sixth in his heat.

Defending bronze medal winner Andre De Grasse finished first in his 100-metre heat, clocking a season best time of 9.91 to qualify for the semifinals.

Fellow Canadians Gavin Smellie and Bismark Boateng failed to qualify for the semifinal, however, after both finishing eighth in their respective heats.

Canada’s Andre De Grasse wins the men’s 100m heats during the Tokyo 2020 Olympic Games at the Olympic Stadium in Tokyo on July 31, 2021.

Photo by GIUSEPPE CACACE/AFP via Getty Images)

Meanwhile, sprinters Crystal Emmanuel and Khamica Bingham were unable to qualify for the women’s 100-metre final. Bingham finished fifth with a time of 11.22 in the first semi-final, while Emmanuel came in sixth place in the second semi-final, with a time of 11.21.


Jennifer Abel finished third in the women’s three-metre springboard semifinal, guaranteeing her a spot in the final on Sunday. Abel will be seeking her first medal in the event after finishing fourth at the 2016 Games in Rio.

Pamela Ware, who had been ranking just behind Abel in the first four rounds of the semifinal, fell to 18th place after failing her fifth dive and did not qualify for the final.

Rugby Sevens

The women’s team defeated Kenya 24-10 in its final match of the Games, securing a ninth-place finish in the overall rankings.

Click to play video: 'Women leading Team Canada at Tokyo Olympics'

Women leading Team Canada at Tokyo Olympics

Women leading Team Canada at Tokyo Olympics


The team of Amelie Kretz, Matthew Sharpe, Joanna Brown and Alexis Lepage managed a 15th-place finish in the mixed triathlon, nearly three-and-a-half minutes behind gold medallists Great Britain.


Mackenzie Hughes and Corey Conners both bumped themselves up to a tied 17th-place finish after the third round of play, which started for both men at the 10th hole.

Hughes finished with a score of 65, while Conners scored 66.


Tom Ramshaw managed a second-place finish in the day’s first race of the men’s one-person heavyweight finn dinghy event, later placing ninth in the second race. He’ll sail his final two races on Sunday.

The men’s 49er skiff team of William Jones and Evan DePaul placed 13th in their first race of the day, 18th in the second and PLACE in the third, ending their run at the Games.

Alexandra Ten Hove and Mariah Millen’s final three races in the women’s 49er FX skiff event saw the team place 13h in the first and 17th in the second and third.


Tammara Thibeault lost all five of her rounds in the women’s middleweight quarterfinal to Nouchka Fontijn of the Netherlands, ending her run at the Games.


Crispin Duenas was defeated by Germany’s Florian Unruh 6-2 in the men’s individual elimination round — the last round of play before the quarterfinal.


Colleen Loach and her horse Qorry Blue D’Argouges finished 42nd in third session of the team and individual dressage event.


Broady Robert Santavy finished fourth in the men’s 96-kilogram weight class, narrowly missing out on Canada’s second weightlifting medal after Maude Charron took home gold in the women’s 64-kilogram competition Tuesday.

— with files from Global News’ Saba Aziz

Click to play video: 'Tokyo Olympics: Canada wins gold medal in women’s eight rowing'

Tokyo Olympics: Canada wins gold medal in women’s eight rowing

Tokyo Olympics: Canada wins gold medal in women’s eight rowing

© 2021 Global News, a division of Corus Entertainment Inc.

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