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Canada travel tips are basically meant to inform travelers about various necessities which they have to have before entering the country. The following are some Canada travel info:Registration
Travelers should register to the State Department so that they receive assistance in the situation of requirement. Free online registration facility is being made available by the government wherein travelers can register their travel plan. The registration helps as when the traveler is at some emergency, the government contacts with the family members.Possess Valid Visa and passportA valid passport and Visa has necessarily to be carried along so that in case of any inquiry the same can be furnished. Additionally, there should be proper information about who to contact in any emergency.Family should know about tour planTravelers are advised to have briefed their family members about the travel so that they are able to contact for any purpose.Checking overseas medical insurance coverage
Travelers should check whether their medical insurance has cover to their overseas ailments or not. If there is no medical insurance for overseas country, please make it sure that you have some kind of medical insurance to cover during your outside stays.Know law of the land
Travelers are expected to be law abiding citizen and comply with the local laws. In order to be a decent traveler, one should familiarize himself with local conditions and laws.Avoid being a target of crime
It is better to avoid target of crime. Though Canada is an advanced country and has low crime rate, travelers are expected to wear minimum jewelries. Travelers should not leave their baggage unattended in public place.Language
English is an official language in Canada. However, French is spoken widely.Smoking
Canada is cautious about the harmful effects of smoking. Some states in Canada such as British Columbia ban smoking at public places.Measures
Officially, Canada uses the metric system wherein distance is measured in kilometers, speed signs are in kilometers per hour. Petrol/gas is sold by the litter and temperature is measured on the Celsius scale.Taxes in Canada
The country has a regime of taxes imposed on travelers. In Canada the Goods and Services Tax (GST) of 7% applies throughout the country and is added to most purchases and services. However, basic groceries have been exempted from it. In British Columbia, a Provincial Sales Tax (PST) of about 7% applies to retail merchandise and services with certain exceptions – such as food, books, children’s clothing, restaurant foods and personal services. Canada taxes hotel rooms too at the tax rate of 8-10%.Tipping
As always, tipping is a personal subject matter and can be paid at restaurants, bars and pubs, taxis and hairdressers, etc. Travelers should remember that it should not exceed to 15% of the total cost.Alcohol
Drinking alcohol in public is prohibited by law in Canada. A person must be 19 years of age to consume or purchase alcohol in the province of British Columbia. However, the minimum age varies from province to province.

There are a number of ways for an aspiring property developer – even one who doesn’t have a lot to spend– to get started. Along with individual savings and investment, two standard sources of financing for a venture are loans and investors. A common structure for a development project is 50-80 % debt and 20-50 % equity investment. For credibility and to ensure that there is motivation for the developer, equity investors usually ask a developer to co-invest. Most invest between 5 and 15 % of the cost; a higher investment means more direction and lower rates.Getting investors takes some work, but it’s possible to find them, even for small projects. Local chambers of commerce can point out investment clubs and companies. Search public databases for building permits that contain the names of developers and contractors who may be interested in local investments.It’s important to understand that getting capital is a time consuming, difficult process. In today’s financial environment, things aren’t like they used to be. Loans have to be secured by cash flow and assets. It doesn’t matter who you know, and no matter how good the project sounds to the developer, it will still be evaluated based on its credit risk.Because of this, it’s important to have professionally prepared documents and plans. You can do this on your own or hire a consultant, but there has to be accurate projections and reports like feasibility studies for marketing and finance, business plans and operational plans. It’s best to gather potential investors together and present the proposals in a method that is visual and accurate.Proposals and plans should show a positive project valuation – how much the project will be worth once costs are paid. For developments that will be sold, this is equal to the net sales value after marketing and other costs are paid. For rentals, it’s the annual income generated after marketing and development costs are paid.Another important turn is net operating income or NOI. This is the gross income minus taxes, insurance, utilities, management, maintenance and replacement.Some other important rates and ratios used to evaluate a project’s potential are:Debt Service Coverage Ratio (DSCR or DCR): the ratio of stabilized NOI to debt serviceLoan to Value (LTV): the ratio of the loan amount to the project valueCapitalization rateRate of returnOnce the project is complete, debt is repaid first then equity is distributed. For a sale, it’s all paid from revenue. In a rental investment, a permanent loan replaces construction loan and is paid monthly, with revenue paid to investors after this amount is paid. Investors are paid back in a “waterfall” structure. The first pool pays investors a high percentage of profit – first, a repayment or return on equity, then an annual return that typically equals 9 to 12 percent of the investment. The property developer’s investment is reimbursed at the same time, and the developer is also paid any special fees that are specified in the contract.With a valuable project and a professional approach to presenting it, a property developer can make a vision come alive, build a solid reputation, and earn a generous profit.
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