₦airaland Forum

tobe1997:
Hi all,

Has anybody done a supervisa for parents recently? What is the process like, and what should I be mindful of?

Thank you

Hi! You're looking at the right option because, as of this January 2026, the PGP (Permanent Residence) path is paused for new intakes. The Super Visa is your best bet for a long-term stay (up to 5 years at a time).
A few things to be mindful of right now:

• The Income Threshold (LICO): This is the biggest hurdle IMO. Make sure your 2025 Notice of Assessment (NOA) meets the minimum income for your total family size (including the parents you are inviting). IRCC is very strict on this right now.

• Medical Insurance: You must have a policy from a Canadian provider (minimum $100k coverage) paid in full for at least one year. Tip: Look for policies that offer monthly payment plans or full refunds just in case of story that touch (visa denied), it saves you from locking up a few thousand dollars upfront.

• The 'Home Ties' Clause: Even though it’s a Super Visa, you sha still have to prove they intend to leave. Include evidence of their properties, pension, or family commitments back home.

It’s a straightforward process if your documentation is clean. Good luck!

jedisco:
To each his own finally. Most of all I know about finance today was learned online via conversations with/by others. Personal DMs are almost always a red flag. The good thing about open conversations is that folks could chip in and advice challenged. Perosnliased advise could always be sought from a finicial advisor.

Regarding passive investments- many open a seperate Holding company for investment purposes. From my knowledge in the UK, investing directly via ones trading co can raise questions especially if profits from investments are huge or exceed that from trading

Fair point. Open sharing is great for general awareness, which I’ve been doing here and will continue to do. Also part of the reason I brought up the $50k passive income rule which is a specific Canadian hurdle many miss.

Just a quick heads-up on the HoldCo idea: unlike the UK or other jurisdictions, in Canada, if you own both the operating and holding companies, they are usually considered 'associated' by the CRA. This means they are legally required to share that $50k passive income threshold and the $500k Small Business Deduction. A HoldCo doesn't actually 'reset' the clock on that tax grind-down here; oga CRA sees the whole group as one.

I totally agree that personalized advice should come from a qualified professional—that’s exactly why I’m cautious about giving specific blueprints in a general chat.

I’ll leave it there for now, but definitely happy to pitch in on more of these high-level deep dives to help and educate the community as much as possible.

jedisco:
True- running ones business comes with several tax advantages mainly if you don't need all the money the business generates for regular expenditure. One could defer tax, draw income between spouses, write off some business expenditure and invest via the business among others.


Rather than a private chat, it'd be better to have discussions here, that way, people learn and others could chip in.

You’re 100% spot on about the tax deferral and income splitting. That's coming from the right 'business DNA' for this environment. Most people just see the gross income; they don't see the net-wealth benefits of the structures you just mentioned.

I’m all for group learning my brother! To your point about investing via the business: in Canada, the 'Passive Income' tax rules changed recently. If your corporation earns too much from investments, it can actually reduce your access to the Small Business Deduction. That is a trap many newcomers fall into.

However, as much as I’d love to 'build in public' here, I’ve learned that a blueprint is useless without the context. Discussing a specific business model without knowing a person's financial goals, time, and long-term residency plans here is how people get bad advice.

I prefer to treat business with the same privacy as a 'likita' treats a patient. The 'medicine' for one person might be 'poison' for another.

If you want to dive into the numbers and the system I run, I'd rather take it to the DMs. Otherwise, keep those tax-efficiency points in mind, they are the secret to moving from 'surviving' to 'thriving' in Canada!

jedisco:
BTW, just watched Carneys speech at WEF... Super proud. He simply instills confidence

...we compete with each other to be the most accomodating. This is not sovereignty, its the performance of sovereignty while accepting subordination. Mark Carney

I agree! Carney’s speech was a masterclass in 'naming reality.' It’s about time someone pointed out that just following the 'leader of the free world' isn't 'sovereignty', it’s just a performance of it while we're actually being subordinated.

His timing was also on point You can see the shift already, those aggressive tariff threats against Europe and the talk about taking over Greenland or is it Iceland :-), seem to have hit a wall once the collective pushback started. It’s a bold move for Canada to lead this 'third path' for middle powers, and it definitely instills a lot of confidence.

Hopefully, this shift holds. It’s better for everyone if the world moves toward a balanced coalition rather than just reacting to every whim of the 'emperor.' It’s good to see Canada finally leading that conversation!

Judasiscarriot:
As per business levels, i am not hearing much about it from Nigerians in canada ooo. What is happening ? is it that difficult ? only african restaurant, and small scale shipping i keep hearing

what about cars? dismembering cars into parts ?? ehnnnn, i see recently imported cars carrying canadian plate numbers in lagos.

What about importation from china or america to canada ? Carney was recently in china

As a PR with capital, can i succeed in business? or are the taxes and laws too stringent ??

Where are the business oriented igbos? please ooooo, wetin dey sup, or have the Indians taken up all the business spots ??

it is well. Maybe the business ones are not here. Well, i dont know though. but i prefer business to all this, go and study IT, data analysis and co.


Please, let us discuss business too

I hear you loud and clear! I'm glad you brought this up because it’s a conversation many seem too scared to have.

The truth is, most people get stuck in the 'job' cycle (IT, nursing, data) because they don't understand how the Canadian system actually works. But for those of us with a business mindset, there is a massive 'Blue Ocean' here.

Regarding your questions:

The 'Small Business' Trap: Most people stick to restaurants because it's what they know. But in Canada, the real wealth is in the Service and Knowledge sectors. That’s where the 'big players' from other communities are making their millions.

Taxes: They aren't 'too stringent', they are just different. You actually have more 'tax loopholes' as a business owner than as a high-earning IT worker.

The Opportunity: The thing is, we’ve moved into high-margin, scalable models used by the wealthy here that don't require warehouses or physical stock.

Here is the koko of the matter: I see many men send their families ahead because they are worried about how to replace their Nigerian income. I can relate cos that was me. But the truth is, the biggest business opportunities here require you to be on the ground.

You can't build a high-level Canadian business from Lagos. I found a model that allowed me to transition from 'newcomer' to running a professional practice, but it required me to be here to 'take the territory.'

I won't go into any specifics here, but I like your mindset. If you want to see what’s possible for a business-minded man in Canada, send me a DM, click my username to send me an email or check my signature in my profile.

What I see is that people are sleeping on the biggest wealth transfer in Canadian history.
Let’s chat privately if you want more insight into how the system really works.

Judasiscarriot:
Thank you so much. Your write up was helpful.

Thank You

You're welcome.

Judasiscarriot:
Hi

Please, my wife and my toddler son will be coming in next month, mid feb via PR. She will land in sask. Please, what jobs can she do to sustain herself, pending when the dream/good job comes. i know of call center, and serving in mcdonalds

Also, is my son entitled to benefit? i heard benefits are paid only when she starts working, is that true? day care benefit and child benefit


Finally, for people is sask, are care jobs easy to get, compered to day care assistant jobs after getting the 6 months certification? Omo, i can support from nigeria for 6 months, anything more na wahala o

Welcome to the community, bro! Mid-Feb is peak winter in Saskatchewan, so tell Madam to be ready for the cold!

A few things in your post that I can clarify to ease your mind:

1. The 'Work to Benefit': This is a common mistake. You don't need to be working to get the Canada Child Benefit (CCB). As a PR, she is entitled to it from day 1 she lands. She should apply the moment she gets her SIN. Since she has no Canadian income yet, she will likely get the maximum amount (roughly $640+ per month for a toddler). This should cover groceries and diapers easily.

2. Child Care & Saskatchewan Benefits: Saskatchewan has a $10-a-day childcare deal for licensed centers. This is a game-changer. Also, look into the Saskatchewan Employment Incentive (SEI). If she earns even a small amount (like $500/month) at a part-time job, the province will top her up with extra cash just for working.

3. Jobs: Care vs. Daycare Assistant:

Care Jobs (Continuing Care Assistant - CCA): These are in high demand in Sask. They often pay better than daycare ($19–$24/hr). Many facilities may hire her as a 'Support Worker' while she does her 6-month certification.

Daycare Assistant: Also good, but usually pays a bit less ($16–$19/hr) unless she gets her ECE Level 1.

Recommendation: Tell her to check SaskJobs.ca—it’s the 'go-to' for jobs in that province.

4. My Advice for her First Week: Have her register with the Saskatchewan Regional Newcomer Gateways immediately. They are free and will help her find those 'hidden' jobs and childcare spots.

JIREN01:
Hi everyone, I do have a question. Is it just me or it’s so difficult to get a job in Canada? It’s so crazy and strangely challenging. I’ve spoken with a few guys who have been here for a while (2018/2019 arrivals) and was told it was easier in the past. The job market is unbelievably horrible at the moment, and the tech bubble, which is obviously waning, evidenced by the series of layoffs, didn’t help matters at all. Almost every job vacancies on LinkedIn have >100 applicants in just a few hours of posting. To everyone, I’ll appreciate any ideas on areas or fields with lesser competition that one can pivot into. Any roles with a fast learning curve where you can learn the ropes very fast and get up to speed in no time?

Omo, I feel you 100%. The truth is, the Canada of 2018 is not the Canada of 2026. I was actually one of the lucky ones who caught the tail end of that IT rush a couple of years ago, but even from the inside, I can tell you the 'gold rush' has changed. It's a completely different beast now o. Competing with 500+ applicants for one role is draining. While tech is cooling, Licensed Professions (like Financial Services or Logistics) are currently starving for people. These fields have a much faster learning curve and way less competition because the 'license' acts as a gatekeeper that many avoid.

I’ve seen both sides of the coin, and honestly, sometimes a 5-minute chat with someone who has already 'landed' and navigated the pivot can clear the fog better than any job board. If you ever need a listening ear or just want to bounce some ideas off someone who’s been through the system, my contact is in my signature. Reach out anytime. We move!

Welcome24:
I recently got PR and will be arriving in January.

Please aside shipping some of my things, how else can one send this to Canada to avoid payment for extra luggage at the airport?

Congratulations bro on your PR! January is peak winter, so you’ll definitely want to have your heavy stuff ready. Here are the three most common ways to handle this from Naija without paying the airline's 'Excess Baggage' fees:

1. Use 'Unaccompanied Baggage' Services (The Most Popular): Instead of checking the bag at the airport, use specialized cargo companies like CargoNaija, Terminal Africa, or Shoptomydoor. They have 'Door-to-Door' or 'Door-to-Airport' services.

The Benefit: You pay per kg (usually much cheaper than airline rates).

The Catch: It takes 5–10 days, so don’t put your 'Day 1' essentials in here.

2. Groupage (Sea Freight): If you have very heavy items (kitchenware, small appliances, or boxes of books), look for 'Groupage' services. You share a container with others. Companies like PSS International or local Lagos-based forwarders do this. It takes 8–12 weeks, but it's the cheapest way to move volume.

3. Pre-pay for extra bags ONLINE: If you must bring the bags on the plane, never wait until you get to the airport counter. Airlines like Ethiopian, Qatar, or Air Canada give up to a 20–30% discount if you pay for the 3rd or 4th bag on their website/app at least 24–48 hours before your flight.

⚠️ Very Important Pro-Tip for PRs: Since you are a new settler, Google the 'BSF186 form' (Settler’s Effects Accounting Document). List everything you are shipping now and everything you plan to bring later as 'Goods to Follow'. If you don't list them on this form when you land at the airport, the Canadian government might charge you customs duties/taxes when your items eventually arrive!

I have a sample of the BSF186 form and a 'Winter Packing List' specifically for January arrivals. If you need them, click my username and send me a mail, or check my signature in my profile, I'm happy to share!

zinachidi:
Hi guys, please I need responses to some questions.

1. I'm moving to Canada next month, how do I move my funds in my Nigerian account to start life over there?

2. Also, People in Canada, (Ontario especially) are there any educational grants (not loans) to support an MBA student who is a permanent resident (I know about OSAP already)

3. Apart from FB marketplace and Kijiji, where can I find legit apartments for rent

4. Best job sites and Canadian CV template


Please I'm doing my own research, but I also like getting insights from people on ground

Congrats on your move! Ontario is a great choice. Here are some insights based on being on the ground here:

1. Moving Funds: Don't just carry cash, my brother. Use apps like Africhange or LemFi; they are the gold standard for Nigerians right now for CAD/NGN conversion. You can also open a Scotiabank or RBC 'StartRight' account from Nigeria before you land to wire larger sums directly.

2. MBA Grants: Since you're a PR, look beyond OSAP at the Ontario Graduate Scholarship (OGS). Also, check your specific University's Entrance Awards—many have specific $5k–$10k grants for PRs that aren't advertised widely. Check 'AwardsSpring' if your school uses it.

3. Housing: Beyond Marketplace, use Rentals.ca and Zumper. They have 'Verified' listings, which are safer. Also, look at Viewit.ca—it's old school but very popular in Ontario for finding apartment buildings directly.

4. Jobs/CV: Use the Reverse-Chronological format. Canadian recruiters hate 'CVs'; they want 2-page 'Resumes'. Focus on 'Achievements' (numbers), not just 'Duties'. Indeed and LinkedIn are the main sites, but for an MBA, networking on LinkedIn is 80% of the work.

I actually have a PDF template for a Canadian-style Resume and a 'First 30 Days' checklist for Nigerians landing in Ontario. Since I can't attach it here, feel free to click my username to send me an email or check my signature in my profile, and I'll send it over to you

It's actually NOT really worth sharing; it's Fake News.

mepconsultant:
Worth sharing.

Great video! Quite informative.
To add to that, as we are in the tax season, I would recommend this website https://www.hrblock.ca/ for anyone who wishes to file their tax returns online by themselves. Even if you have no employment yet, it's still a good idea, you might have some tax credit to receive. I used it to file mine, it's quite simple and straight forward, and it is free!



[quote author=Philippians4v9 post=76778077]Hello Everyone, Learn about the Federal non-refundable taxes from this video.

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