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Paul Kubrakovich joins EFI Global as Project Manager in Edmonton

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EDMONTON, AB, Jan. 10, 2019/insPRESS/– EFI Global /insPRESS/ EFI Global, a full-service international consulting firm specializing in forensic engineering, environmental, fire investigation and specialty consulting services has appointed Paul Kubrakovich, B.Sc. to the role of Project Manager for EFI Global in its Edmonton, Alberta, office.

Kubrakovich brings to EFI Global a decade of experience in the oil, gas and industrial arenas. His experience includes work on numerous aspects of environmental projects, including spill response, phase II environmental site assessments, plant turnarounds, confined space entry and rescue, chemical wash/high pressure cleaning and daylighting.

Kubrakovich has worked with pulp mills, steel mills, oil and gas refineries, coal plants, hydro dams and universities across western Canada. He holds a bachelor’s degree in biological sciences from the University of Manitoba.

“We are very excited to have Paul on board as we continue to expand our presence in Alberta,” said Kevin Burgher, Vice President of EFI Global in Canada. “Paul will be a key colleague to ensuring our ongoing success.”

According to Burgher, Kubrakovich will work closely with Steve Starna, EFI Global Senior Professional Geoscientist also based in Edmonton, to grow the company’s operations in northern Alberta.

For more about EFI Global in Canada, visit efiglobal.ca

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About EFI Global
EFI Global is a well-established brand with an excellent reputation in Brazil, Canada, the U.S. and U.K. as a market leader in environmental consulting, engineering failure analysis and origin-and-cause investigations. EFI Global completes more than 21,000 projects annually for clients worldwide for a wide range of clients, such as commercial, industrial, institutional, insurance, government, risk managers, public, and private entities. EFI Global is one of the most respected emergency response firms, capable of providing practical solutions to the most complex problems. Our multidisciplinary team of first responders, project managers, engineers, geologists and scientists is selected for their technical proficiency and in-depth industry knowledge to aid clients in resolving technical problems. For more, see efiglobal.ca 

About Sedgwick
Sedgwick is a leading global provider of technology-enabled risk, benefits and integrated business solutions. We provide a broad range of resources tailored to our clients’ specific needs in casualty, property, marine, benefits and other lines. At Sedgwick, caring counts®; through the dedication and exper­tise of more than 21,000 colleagues across 65 countries, the company takes care of people and organizations by mitigating and reducing risks and losses, promoting health and productivity, protecting brand reputations, and containing costs that can impact the bottom line. Sedgwick’s majority shareholder is The Carlyle Group; Stone Point Capital LLC, La Caisse de dépôt et placement du Québec (CDPQ) and other management investors are minority shareholders. For more, see sedgwick.com and efiglobal.com.

Media contacts:
Catherine Bennett, public relations director, North America | 615-892-9361 | catherine.bennett@sedgwick.com

Judy Molnar, VP, public relations | 813-215-9358 | judy.molnar@sedgwick.com

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The Best Credit Cards for Students in 2019

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The Best Credit Cards for Students 2019

If you’re a student in college or university, you understand that every penny counts. Tuition is high, textbooks are expensive, and it’s hard to maintain healthy eating habits while living off-campus when all you can afford are those packets of Sidekicks pasta for $1.

This is where a good rewards credit card can come in handy. Not only can you earn points, merchandise or cash-back for you purchases, but you’re also given the opportunity to start building your credit. And this is important if you’re a young adult who doesn’t have any credit to your name. If used responsibly, having a credit card will start you off on the right foot so you are eligible for other types of credit in the future, like personal loans or a mortgage. And there’s a great chance you’ll need one of these things eventually.

Rewards cards generally offer different amounts of points or cash-back for particular spending categories (gas, grocery, pharmacy purchases, etc.). Whether it’s rebating you in points, a statement credit, or cash-back in your bank account, a good rewards card maximizes on your everyday purchases and ultimately helps you save, and if you’re a student, you’re likely looking for a card with little-to-no annual fee.

But with so many options available, it may be hard to choose the exact credit card that’s right for you.

RateSupermarket.ca makes it easy with our card comparison tool. And with all things considered, from sign-up bonuses to earning rates, we used our Best of Finance methodology to rank the cards that provided the most cash value.

These are the best credit cards for students that offer rewards:

The Top 3 Credit Cards for Students in 2019


RSM-022_2018_Best_Of_Finance_2018_Campaign_BlogPost_800x180_BMO_Cashback_FINAL

Why it’s an awesome card

With no annual fee, the BMO®* CashBack Mastercard®* offers those with a limited budget a decent amount of cash-back if used to its full potential. The card offers 5% cash-back in the first three months of cardmembership up to $2,000 in spending, with no restrictions on where you can earn cash-back. So you’re already entitled to earn $100 in cash-back in just a few months. Eligibility requirements are also pretty low, which makes this card appealing for students with no or low income. After you’ve reached the $2,000 spending cap, you only receive 1% cash-back on your purchases, which is standard for a no-fee card.

Cash-back is applied to your account annually, and while it is detailed on your statement monthly, you’ll receive your cash-back in the form of a credit to your account in January of the following year.

Earning rate*

  • Other: 1% cash-back on all purchases.

Earning potential

  • Annual fee: $0
  • Sign-up bonus: 5% cash-back in the first three months of cardmembership (up to $2,000 in spending).
  • Rewards earned over a 24-month period: $373.51** 

RSM-022_2018_Best_Of_Finance_2018_Campaign_BlogPost_800x180_BMO_SPC_FINAL

Why it’s an awesome card

Identical to the BMO®* CashBack Mastercard®*, the BMO SPC®** CashBack® Mastercard®* yields a fair amount of cash-back for a no-fee card – 5% in the first three months of having a card (up to $2,000 in spending), and 1% thereafter. However, it also comes with the added benefits of a Student Price Card (SPC) membership, offering 10% to 15% off at hundreds of stores.

The over 450 participating stores include Adidas, Taco Bell, Koodo Mobile, Forever 21, and Victoria Secret – providing you with deals on everything from shoes to tacos to your phone plan – and the SPC membership renews automatically every year.

This card won Best Card for Students in the past at our Best of Finance Awards, as its designed specifically for students and their specific needs – qualification is based on lower earning requirements, and a third-party or parental authorization isn’t needed to sign up.

Cash-back accumulated over the year is awarded to your account as a credit every January, after which your cash-back balance reverts to $0.

Earning rate*

  • Other: 1% cash-back on all purchases.

Earning potential

  • Annual fee: $0
  • Sign-up bonus: 5% cash-back in the first three months of cardmembership (up to $2,000 in spending).
  • Rewards earned over a 24-month period: $373.51**

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Why it’s an awesome card

This credit card is a cool option if dining out and movies are your thing, as you earn SCENE points for purchases. SCENE points can be redeemed for free movie tickets, discounts on concessions, or discounts at some popular Canadian restaurants (Kelsey’s, Swiss Chalet, Milestones, and East Side Mario’s, to name a few). And since SCENE points are applied to your account automatically, you can use them anytime – great for those Friday night hangouts.

Not only does the SCENE®* Visa* Card reward you for your pastimes, but it helps build your credit score and you don’t have to pay an annual fee. It was also the winner of the Best Card for Students award at our last Best of Finance Awards.

Earning rate*

  • Entertainment: 5 SCENE points per $1 spent at participating Cineplex Entertainment theatres or online at cineplex.com.
  • Restaurants: 1 SCENE point per $3 spent at CARA restaurants, with some exceptions.
  • Other: 1 SCENE point per $1 spent on all other purchases.

Earning potential

  • Annual fee: $0
  • Sign-up bonus: 2,000 SCENE points (if you charge $500 to the account within the first three months of cardmembership).
  • Rewards earned over a 24-month period: 36,151.04 SCENE points
  • Monetary worth: $361.51

 


Notes: 

*Earning rate up to card’s annual spending cap, if applicable.

**Assuming $1,222.96 is spent on the card monthly at eligible retailers, in the following categories: Pharmacy ($55.33), Food ($758.53), Gas: $155.72, Travel ($151.21), Other ($102.17).

The post The Best Credit Cards for Students in 2019 appeared first on MoneyWise.

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This area could get half a metre of snow Canadian Underwriter

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FREDERICTON – An intense winter storm is forecast to descend on the Maritimes on Sunday, and the New Brunswick government is warning residents to prepare for power outages.

Environment Canada says a low-pressure system approaching from the southwest will track across the Bay of Fundy, dumping between 20 and 60 centimetres of snow across much of the province.

In Nova Scotia, between 10 and 20 centimetres of snow is in the forecast for much of the province, with the higher amounts expected in northern Nova Scotia.

Residents of Prince Edward Island are being told to brace for between 20 and 40 centimetres of snow and rainfall amounts reaching 40 millimetres.

The storm is also expected to deliver strong winds and freezing rain, particularly in southern New Brunswick and along Nova Scotia’s Atlantic coast.

New Brunswick’s Department of Public Safety says residents should have well-stocked, 72-hour emergency kits in their homes and vehicles.

The kits should include food, water, batteries, a flashlight, a battery-powered radio, first-aid supplies, cash in small bills in case ATMs are unavailable, prescriptions, infant formula and equipment for people with disabilities.

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Why Canada’s largest mutual insurer is not demutualizing Canadian Underwriter

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Unlike Economical Insurance, Canada’s largest mutual insurer plans to stay that way.

“Everybody says, ‘Because of what Economical is doing, are you going to demutualize?’ No,” Carol Jardine, president of the Canadian property and casualty operations of Wawanesa Mutual Insurance Company, said Thursday during a luncheon hosted by the Insurance Brokers of Toronto Region (IBTR).

Wawanesa, which was founded in the Manitoba community of the same name, is Canada’s largest mutual P&C insurer. Among Canadian P&C carriers, Winnipeg-based Wawanesa and Waterloo, Ont.-based Economical rank fifth and seventh respectively by premiums written in 2017.

Economical Insurance submitted a proposal this past June to the federal Office of the Superintendent of Financial Institutions that would convert the mutual insurer to a stock company. If successful, Economical would become publicly traded. Several more hurdles remain to be cleared before Economical can demutualize.

One reason Economical officials want to demutualize is to raise money from capital markets to help pay for mergers or acquisitions.

Wawanesa has previously indicated that it has no demutualization plans, but Jardine gave brokers some insight into why on Thursday. Put simply, a mutual insurer has a different mandate than a publicly-traded insurer.

“There are very successful mutuals in the United States and we think that is the best offering for Canadians and their community,” Jardine said, citing State Farm and Liberty Mutual as examples. “We don’t have shareholders. We just have ourselves, and we are kind of a break-even insurance company. We are very happy with [a] 100[%] combined [ratio].”

In contrast, publicly-traded insurers may be hard-pressed to keep their combined ratio around 93% so they can give their shareholders a return on their investment.

Canada has seven federally-regulated property and casualty mutual insurers. Four life insurers (Manulife, Clarica, Sun and Canada Life) demutualized nearly 20 years ago. In 2015, Canada passed regulations allowing federally-regulated P&C mutuals to demutualize. The only one to start the process has been Economical.

Economical’s proposal, sent to OSFI in June 2018, includes a recommendation on how to allocate financial benefits resulting from demutualization, as well as opinions from actuarial and financial experts. OSFI “will be diligent and they will be thorough” in reviewing Economical’s conversion proposal, Economical chairman John Bowey said in May 2018 at the insurer’s annual general meeting. “We expect this to be a lengthy review.”

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