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The Old Age Security (OAS) pension is a monthly payment you can get if you are 65 and older. In some cases, Service Canada will be able to automatically enroll you for the OAS pension. In other cases, you will have to apply for the Old Age Security pension. Service Canada will inform you if you have been automatically enrolled.

In most cases, you do not have to apply to get this benefit.

Many breeds make wonderful family dogs, though some are better suited for suburban and farm families than households living in the city. Family dogs such as Labrador Retrievers, Golden Retrievers, Beagles, and Irish Setters are playful and protective. Pugs, Brussels Griffons and French Bulldogs love their families – particularly their laps.

When adding any dog to your family, it’s important that everyone is included in the decision-making process, including the kids. The AKC offers one-time dog breed classes online for kids 5-12.

The Labrador Retriever is the most popular dog in the United States for a reason. The breed is friendly, patient, and trainable. The breed is extremely versatile, doing everything including hunting, showing, dock diving, tracking, obedience.

Find Labrador Retriever puppies on the AKC Marketplace and start shopping for everything you’ll need.

The distinct and wrinkly Bulldog makes a wonderful companion to children. These loyal dogs can adapt to most atomospheres — city or country — and are happy to spend time with their families.

Find Bulldog puppies on the AKC Marketplace and start shopping for everything you’ll need.

Golden Retrievers originally came into prominence because of the desire for a medium-sized dog that would do well in wild-fowling, both upland game and waterfowl. Today, the breed’s versatility, intelligence, and agreeable personality suit it for many purposes, and it has become one of the most successful, recognizable, and popular breeds in all areas of competition.

Find Golden Retriever puppies on the AKC Marketplace and start shopping for everything you’ll need.

The actual origin of the Beagle seems to be obscure with no reliable documentation on the earliest days of development. Their compact size, short, easy-to-care-for coat and intelligence make the Beagle an excellent family dog.

Find Beagle puppies on the AKC Marketplace and start shopping for everything you’ll need.

The Pug is well described by the phrase “multum in parvo” which means “a lot of dog in a small space.” He is small but requires no coddling and his roguish face soon wiggles its way into the hearts of men, women and especially children, for whom this dog seems to have a special affinity. His great reason for living is to be near his people and to please them. He is comfortable in a small apartment or country home alike, easily adaptable to all situations.

Find Pug puppies on the AKC Marketplace and start shopping for everything you’ll need.

The Irish Setter, recognizable from media such as Big Red, first came into popular notice in the 18th century. The outgoing and trainable dog is great for active families, as the Irish Setter is high-energy and loves spending time outdoors.

Find Irish Setter puppies on the AKC Marketplace.

The Brussels Griffon is a hearty, intelligent and active companion. He thrives on interaction, activity, and mental stimulation. His small size makes him a good apartment dweller as long as you give him a chance to burn off some energy.

Find Brussels Griffon puppies on the AKC Marketplace.

Above all things, the Newfoundland must have the intelligence, the loyalty, and the sweetness which are his best-known traits. He must be able and willing to help his master perform his necessary tasks at command, and also have the intelligence to act on his own responsibility when rescue work demands it. Because of these traits, Newfoundlands make excellent family dogs.

Find Newfoundland puppies on the AKC Marketplace and start shopping for everything you’ll need.

French Bulldogs are one of the world’s most popular small-dog breeds, especially among city dwellers. The easygoing and adaptable breed is great for new families and responds well to training.

Find French Bulldog puppies on the AKC Marketplace and start shopping for everything you’ll need.

In Paragraph 23 of the essay, Franklin wrote " why should the Palatine boors be suffered to swarm into our settlements, and by herding together establish

1 Yoga is Not Just For The Experts · 2 Understand the Yoga Alliance · 3 Choose a Teacher Training Program · 4 Get Some Practice Teaching Yoga · 5 Start Making

you can execute almost any CICS command by typing in CECI from your CICS session. CECI will present you with a decreasing number of options as you get deeper into it.

Maybe you’re an entrepreneur and need to pay a supplier overseas, or you want to transfer money to a family member studying abroad - whatever your reason for sending money to an international account, you need to understand how the exchange rate for the transaction is set.

In this guide, we'll clarify the difference between telegraphic transfer (T/T) buying and selling rates in a simple way. Let's jump right in.

Learn more about Wise money transfers

Let’s start at the beginning. A telegraphic transfer — which is also often called a TT, telex transfer, or a T/T bank payment — is a broad term for transferring money from one bank account to another - usually involving moving the money from one country to another, and often between different currencies.

If you’re sending money back to your home country, this payment might also be described as a remittance - but it’s basically the same thing.

When you look up the exchange rates used for TT payments, you’ll often come across a chart or set of figures which describe several different exchange rates. The ones we are interested in are telegraphic transfer buying (TTB) rates and telegraphic transfer selling (TTS) rates.

The TTB rate is the rate at which a bank will convert foreign currency sent to India, into INR. So this means that if a friend or family member sends you a remittance from abroad in foreign currency, the chances are that the rate applied to credit you INR will be the TTB rate.

This buy rate doesn’t apply only to telegraphic transfers. Here are some examples of other transactions that use it¹:

The selling rate is used when the bank is sending INR out of the country, and into a different currency.

So for example, if you’re looking to make an outward remittance from India, and send money from your INR account to someone with a bank account held in a different currency, you need to know the selling rate (TTS).

In general, the TT Selling rate is applicable for¹:

Each bank will have its own approach to setting the buying and selling rates. To be sure of the rate that’s applied to your TT payment, you need to ask the bank directly. However, you can see how the buying rate is calculated by looking at the terms and conditions of your bank.

Let’s take Union Bank of India, for example - one of the larger banks offering retail services.¹

The Union Bank of India terms clarify that the buying rate that’s used is calculated by taking the base rate and reducing it by the bank’s margin, which is set at 0.025% to 0.080%.

The calculation is rounded for ease, and this sets the buying rate applied. You can find the full details for Union Bank of India in the source linked below or here, or check out the terms and conditions of your own bank, to make sure you’re happy with the way the calculation is carried out for your TT payments.

If you’re new to telegraphic transfers, the terminology and processes can be a bit confusing. It’s a smart idea to read up to make sure you understand the way your money is being moved, and to make sure you’re getting the best deal.

Here are some resources that might help.

Like many financial transactions, telegraphic transfers arranged by traditional banks seem to be awash with acronyms and technical language. That can be overwhelming if you’re new to it. Use this simple guide, and the resources we have picked out, to do a bit of research. Knowledge, after all, is power.

And while you’re doing your homework, check out other options for making international payments. You don’t need a degree in finance to understand a specialist services like Wise. The process is designed to be safe and simple - and could save you money.

Banks and money transfer providers often give you a bad exchange rate to make extra profits on international transfers.

Wise is different. Its smart new technology skips hefty international transfer fees by connecting local bank accounts all around the world. Which means you can save up to 8x by using Wise rather than your bank when you send your money abroad.

If you want to give Wise a try to see for yourself how well it can work for you, sign up for a free account. Registration can be done online in minutes.

Register your Wise account in minutes

Sources:

Sources checked on 10 October 2022