I was undocumented in Canada for 13 years
I was outside the federal Liberal cabinet retreat in Hamilton, leading a rally of 200 migrants, undocumented people and supporters. I stood under a bright pink banner that read “Status For All.” I started my speech by introducing myself.
“My name is Luisa and I was undocumented.”
That was in January 2023. To this day, saying that I was undocumented aloud is scary.
I was 24 when I came to Canada from Guadalajara, Mexico, in 2006. My parents and sisters had already migrated to the United States, because finding jobs in Mexico was hard. I had finished a bachelor’s degree in visual arts in Mexico, and after nearly a year of searching, the only job that I could find was a low-paying one at a call centre. That place only hired people with high school diplomas to get away with paying lower wages, so I lied about my university degree. It’s why I also decided to come to Toronto in the hope of finding a job and for a better life, because there weren’t many job opportunities for young women like me in Mexico that guaranteed a future.
A few months after I arrived, I met my now-husband, who was also from Mexico and living in Canada. Our tourist visas were expiring, but we decided to risk staying here even though it would mean we were undocumented. We were scared to stay without papers, but we also felt that we did not have options. I was pregnant and we had nothing to go back to in Mexico.
Our first child was born in 2008. At that time, I worked in a fruit and vegetable packing plant in Mississauga, Ont. As soon as my manager found out I was pregnant, I was fired. Since I wasn’t a permanent resident or citizen, accessing employment insurance benefits was not an option. Being pregnant and out of work felt like I was falling from the sky without a parachute. I knew what my manager did wasn’t right, but I had to be quiet as I was undocumented.
It was lonely and scary to have a newborn with no extended family around or any support. We lived paycheque to paycheque. My husband had to work several jobs to earn enough for us to survive.
In 2013, our second child was born. I had to work as a cleaner right up to three days before the delivery to afford the thousands of dollars we needed to pay hospital fees. At the time of the birth, the anesthesiologist stood outside the door and refused to enter until we paid him in cash. We didn’t even get a receipt.
When my husband had an accident at work in 2013 while using a circular saw, his co-workers wanted to call an ambulance but he refused even though he almost lost his fingers.
On his way to the hospital in the taxi, he had to ignore his pain to focus on what to say to the doctors. If the accident was reported, questions about his status might have arisen. That’s why he said that he was working on a project at home and paid the hospital costs in installments for over a year.
We couldn’t keep living like this.
Our kids were growing and asking more questions, like why we couldn’t travel to other countries. That’s why in 2016 we started the only pathway to permanent residency available for undocumented people — the humanitarian and compassionate application.
The application process was terrifying. We had to out ourselves to Canadian immigration officials and put a target on our backs for deportation while we waited for an answer. It was incredibly expensive for us, because I was working as a part-time cleaner and my husband worked in construction. We were both paid under the table, so putting together the nearly $3,000 just in application fees was a challenge.
We also were required to include letters of support, and we had to tell friends and colleagues about our status. We didn’t know how they would react to our news. That’s why my husband and I would strategize about the “right moment” to bring it up. It was always an awkward conversation, but fortunately everyone was supportive.
Around the same time I applied for permanent resident status, I knew that I had to do more — not just for my friends and family but for the estimated half a million undocumented immigrants in Canada. I joined No One Is Illegal – Toronto, an activist group made up of people like me. A few years later, I started working at the Migrant Workers Alliance for Change.
After more documents, photos, medical exams and fingerprints, we were finally approved. Three years of constant fear waiting for a call or a rejection. Thirteen years of being undocumented.
I felt so relieved and happy when our permanent resident (PR) cards finally arrived in the mail in 2019. The first thing we did was tell our 11-year-old son and six-year-old daughter. Until then, we hid from them the fact that we didn’t have immigration papers. They were young and we had lived in fear that they would accidentally tell someone we were undocumented, and inadvertently put our family at risk. It was a burden that affected me mentally, emotionally and physically. They were too young to understand the significance of it but over time they have come to appreciate the changes in our lives, like when we bought our first car or took our first trip outside of Canada.
Having a PR card also meant we could live without fear. I thought back to all those moments when we were silenced — like when my husband was injured or I was fired without cause over my pregnancy. It lit a fire within me, and the PR card gave me the power to speak up and fight for equal rights for all. I wanted to support others — like our friends had supported us throughout our application process.
Even though my family got permanent residency, many people cannot apply and over 70 per cent are rejected.
This is why Prime Minister Justin Trudeau’s promise of regularization in December 2021 was so meaningful to people like me. Regularization doesn’t mean special rights; it means living with dignity. It means walking into a hospital or a school without having to whisper that we do not have status. It means being able to protect ourselves from a bad boss just like anyone else who lives here.
Having permanent residency status has changed my life. I am about to finish a bachelor’s degree in Indigenous Studies. In December 2022, we travelled for the first time since arriving in Canada to see and hug relatives we had gotten used to seeing only on a screen. After almost 17 years, my husband was able to hug his parents, siblings, nieces and nephews. He visited his sister’s grave; she died while we were undocumented in Canada. He never got the chance to say goodbye to her, and going to her grave was closure.
I am lucky, but so many people are not. It’s been more than a year since Trudeau’s promise, and we are still waiting for a regularization program that gives permanent residency to everyone.
Writing this so publicly is still not easy for me. I have my permanent residency but the years of living in fear and in crises have not left me. But I must speak up so that you understand what it’s like for your neighbours and friends. We live here, and we want to live dignified and equal lives and that’s only possible when we all have permanent residency status.
‘Abnormally dry’ conditions causing farmers concern in Atlantic Canada
Farmers in Atlantic Canada are growing increasingly worried about drought, as many regions on the east coast have been classified as drier than usual for this time of year, with little rain in the forecast.
According to the Canadian Drought Monitor, as of the end of April, numerous parts of New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland and Labrador were “abnormally dry,” with some areas in New Brunswick, Nova Scotia and P.E.I. marked as experiencing “moderate drought.”
The lack of rain is having an effect: in Nova Scotia’s Annapolis Valley, food producers are using their water reserves two months earlier than expected.
William Spurr has been doing what he can to keep his fields from drying up, with much of his crop still in the ground. But he says a hot, dry spring and unusually cold nights have made growing conditions difficult.
“We’ve just been irrigating non-stop,” Spurr, president of Horticulture Nova Scotia, told CTV National News. “The last two and a half weeks, we’ve been irrigating probably as much as we normally would in like July and August, and it’s not even June yet.”
Spurr says he planned to install a costly irrigation system later this summer but was forced to do it now to ensure he wouldn’t lose a batch of young apple trees.
“I’m a little worried about what could come if we don’t get any rain,” he said. “If this keeps up, then we’re going to be in a lot of trouble.”
Greg Donald, potato board general manager for P.E.I., says many potato producers in the province only got a quarter of the rain that they usually get in both April and May.
“If we get rain, like good rain, over the next couple weeks, we’ll be fine, but if we don’t, it will be very concerning,” Donald said.
According to Environment and Climate Change Canada, parts of New Brunswick and Nova Scotia experienced the driest April on record.
A mild winter followed by a sudden cold snap that plunged temperatures to -20 also took its toll on many farms, including those in Wolfville, N.S.
“That killed all the blossoms in the peaches and nectarines — 90 per cent of the cherries and 80 per cent of the plum blossoms are affected,” Andrew Bishop, of Noggin’s Farms, told CTV National News.
Researchers continue to point to climate change as the leading cause of these unpredictable weather events.
Increasingly, extreme weather events have become more erratic as the planet heats up, with weather events swinging from one end of the pendulum to the other, experts say.
“It’s either the coldest June temperature — in 2018 we had that frost — or its the coldest winter temperature we’ve had in the last 25 years, or its been one of the warmest winters we had,” Harrison Wright, Agriculture Canada researcher, told CTV National News.
Farmers say they’re relieved to see that there is some rain in the forecast, but they will need a lot more in the coming weeks to improve growing conditions on the surface.
With files from CTVNews.ca‘s Alexandra Mae Jones
Canada’s banks are guarding against bad loans. What this means for your money
Nestled in the balance sheets of Canada’s biggest banks are fears that the economy is set for a rough patch that could see more Canadians defaulting on their loans.
While some experts say the country’s banks are just “being prudent,” they say that move signals choppy waters ahead for Canadians with outstanding loans as interest rates continue to put pressure on household budgets.
Canada’s five biggest banks — RBC, Scotiabank, CIBC, BMO and TD Bank — moved in lockstep this past week to increase their loan loss provisions as they reported second-quarter earnings. All except for CIBC missed earnings expectations in the period.
Loan loss provisions, or provisions for credit losses, are essentially money that banks set aside in case the loans they’ve given out to clients go sour.
Laurence Booth, finance professor at the University of Toronto’s Rotman School of Management, says banks always try to put aside more money to cover these losses if they think their clients — be they everyday consumers, commercial customers or homeowners with a mortgage — are more likely to default on their loans.
With fears of a recession rumbling for much of the past year, Canada’s banks are building up their reserves in case the economy takes a hit and Canadians or businesses aren’t able to pay down their loans.
“This is (as) regular as clockwork. Whenever we get a slowdown in the economy, or a forecast of a slowdown …(the banks) increase their provisions,” Booth tells Global News.
Booth notes, as well, that just because banks are raising their provisions doesn’t mean they’ll need them if a pronounced recession doesn’t come to pass.
The last time Canadian banks raised their loan loss provisions by significant magnitudes was at the start of the COVID-19 pandemic, when they feared consumers would be out of work and without steady income for an uncertain period of time.
Gregory Taylor, chief investment officer at Purpose Investments, says banks quickly lowered those provisions again once the federal government stepped in with COVID support programs in the early months of the pandemic.
“Now we’re seeing them reverse that, put them back on and try to be a little bit cautious heading into what could be a volatile period,” Taylor says.
“The banks are being a little prudent, from this point of view.”
Canadian banks not immune to U.S. turmoil
Canadian bank loan provisions also extend to lenders’ activities in the U.S. market, Booth notes, where the financial system has faced turmoil in recent months over the collapse of Silicon Valley Bank and other regional players.
While Canada’s large and well-capitalized banks have been well-insulated from the specific vulnerabilities that spurred uncertainty south of the border, Booth says banks such as TD have been pushing more into the U.S. market in recent years and have to adjust their risk profiles accordingly.
“The strength of the Canadian banks has allowed them to move into the U.S. with acquisitions, but that then exposes them to the risks of the U.S. market, which generally has higher provisions for credit losses,” he says.
TD Bank’s planned $13.4-billion acquisition of U.S. regional bank First Horizon was scuttled earlier this month after regulators denied the necessary approvals for the deal.
While the acquisition’s collapse was a factor in TD’s earnings miss last quarter, the extra capital the bank now has on hand because of the failed deal is helpful given the dour economic outlook, said CEO Bharat Masrani on an earnings call.
“We are going through an uncertain period here from an economic perspective … so to have the level of capital we have, that is a good thing,” he said.
Taylor agrees that it was probably good for TD overall that it didn’t have to pay the original price it offered for First Horizon as regional banks in the U.S. go through a revaluation.
Some analysts have said TD should take the opportunity to pause and rethink its U.S. expansion strategy.
“TD should revisit the idea of whether or not they should be pursuing aggressive growth in United States banking through acquisitions,” Veritas analyst Nigel D’Souza told Reuters this week.
What do higher loan loss provisions mean for consumers?
Canada’s banks are battening down the hatches on the loan side of their businesses at the same time as Canadians’ debt levels, particularly mortgage debt, continue to climb.
The Canada Mortgage and Housing Corp. (CMHC) said this past week that the country has the highest household debt in the G7, with the bulk of that held in mortgage loans.
Total residential debt surpassed $2 trillion in January, CMHC said on Thursday, up six per cent year-over-year.
Canada’s economy is heavily reliant on the health of the housing market, which Taylor says means any signs of stress in banks’ mortgage books are “something to monitor” if they start to appear.
“It’s probably too soon to say whether it’s going to be a really big issue or not, but it’s definitely one of the reasons the banks were increasing their provisions going into the quarter,” he says.
Booth notes that mortgages are one of the last things Canadians’ tend to default on as they’re willing to make most sacrifices before losing their home and the equity they’ve built up in it, which helps keep rates of mortgage delinquency relatively low in Canada.
From a macro perspective, both Booth and Taylor say there’s not much cause for concern for the banks themselves as they’ve put aside more money for loans going bad.
But on an individual level, Canadians should take the higher loan loss provisions as a sign that they might need to tighten their belts in the months to come.
“While Canadians don’t have to worry about their banks, they do have to worry about whether they can afford higher interest costs and that means that they have to cut back other spending,” Booth says.
More on Money
Messaging from the Bank of Canada and U.S. Federal Reserve in recent weeks that interest rates might need to remain higher for longer — or even rise further — means that Canadians should plan for an elevated interest rate environment, Taylor says.
One way to do that, he says, is by keeping less money in chequing accounts and putting it in investment vehicles that are showing higher rates of return. Taylor says that’s a solid approach for anyone worried about their finances through an expected period of “turbulence.”
“For Canadian consumers, it’s something that everybody should be looking at to make sure you’re getting the most for your money with higher interest earned on your cash.”
— with files from The Canadian Press, Reuters
Evacuation orders mount as fire rages in Upper Tantallon, Hammonds Plains area – CBC.ca
Nova Scotia RCMP have ordered residents of subdivisions in the Upper Tantallon/Hammonds Plains area to leave their homes in the face of a fast-moving wildfire.
The Westwood Hills subdivision in Upper Tantallon, N.S., was the first to begin an evacuation as the fire consumed at least 10 homes.
Halifax Regional Fire & Emergency District Chief Rob Hebb said dozens of crews were at the site attempting to control the fire. One helicopter was at the scene and another was on the way.
CBC Radio in Nova Scotia and New Brunswick will carry a live call-in special on the fire starting at 8 p.m. AT, which can be listened to on CBC Radio.
Nova Scotia RCMP sent a tweet prior to an emergency alert being issued telling residents of the area to evacuate their homes immediately via Winslow Drive to Hammonds Plains Road.
RCMP corrected an earlier tweet that indicated evacuation was via Windsor Drive.
Subsequent emergency alerts at 6:11 p.m. and 7:41 p.m. said the evacuation order was extended to residents of the Highland Park subdivision in nearby Yankeetown, Haliburton Hills, Glen Arbour, Pockwock Road, White Hills subdivision and Lucasville Road to Sackville Drive.
Residents were told to take their pets with them.
People are being asked to stay away from the area to allow the evacuations to take place.
An emergency alert sent earlier said a comfort centre was open at the Black Point community centre.
Area resident Cynthia McKenzie said she left her home with her family and pets. She said they are safe and sheltering in a pet store in the area.
She said she was cooking dinner when her husband said they had to leave immediately.
“It just happened so fast,” she said. “I grabbed my animals as quick as I could and my photos and albums as best I could and got in the truck and headed out.”
Smoke originating from wildfires at upper <a href=”https://twitter.com/hashtag/Tantallon?src=hash&ref_src=twsrc%5Etfw”>#Tantallon</a> gradually covering Halifax! <a href=”https://t.co/4jmhgyiKOr”>pic.twitter.com/4jmhgyiKOr</a>
She said the smoke and flames were so bad that they had to turn around and take another route to get out of the subdivision.
“You couldn’t see your hand in front of you,” she said.
Shawn Beaulieu, another resident of the area, said he and his son were out shopping and were told to turn around when they tried to return to the subdivision where his wife was.
He said he and his son are taking temporary shelter at a restaurant in Upper Tantallon that opened its doors to evacuees.
“It’s frustrating, but it’s better to be alive,” he said. The three were reunited later in the day.
Taylor Martin, who lives about a seven-minute drive from the fire said she and her partner, Kirk Jessome, were preparing for a possible evacuation order.
“We’re getting things together,” she said. “Packing up necessities, getting the crate for our cat ready, getting all our important documents ready. Making sure everything is set to go if we have to leave.”
She said she is lucky that she has family who will make room for them.
He said that with the fire spreading, people are outside the subdivision and waiting for what is next. The area is packed with people and he said roads are jammed.
Environment Canada issued an air quality alert for Halifax Metro and Halifax County West shortly after 6 p.m. Sunday. It said smoke from the fire in Upper Tantallon has reduced visibility and air quality in the area downwind of the fire.
It said people respond differently to smoke and mild irritation and discomfort are common.
The alert said people should take a break from the smoke at a community location with cool, clean air.
CBC meteorologist Ryan Snoddon said firefighters have a number of challenges.
“Halifax firefighters are not only battling the fire, they are also battling the wind,” he said. “Gusty west/southwest winds are fanning the flames right now.
“Winds shift to northerly this evening, but unfortunately, will remain breezy through the day on Monday. Winds look set to become lighter Monday night and Tuesday.”
We’re following the wildfires in Nova Scotia closely and stand ready to help if federal assistance is required. <br><br>Please follow the guidance from your local officials and stay safe.
Snoddon said there was a chance of isolated showers later Sunday, but they wouldn’t be of much help to the firefighters. He said there isn’t another significant chance of rain until Friday.
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