There's two types of parties in the Canadian political landscape. You have your provincial and territorial parties and you have your federal parties. The most commonly known parties are the House of Commons, the Senate and some historical parties that are recognized as federal parties. The house of commons consists of liberal, conservative, new democratic, bloc Quebecois parties. There's additionally one green party in the House of Commons. In the Senate, there's conservative, independent liberal and independent parties.
Canada's system unlike other countries has three different levels of government. Every single level has their own responsibilities and handles different things.
Different governing bodies have different responsibilities but it depends on which of the three levels of government they reside in. For example, the federal government has 3 parts of government alone. There's an appointed Governor General that represents the current Queen in Canada and has the duty of carrying out tasks for the head of state. All of Canada's laws come from the House of Commons. All representatives in the House of Commons are elected by Canadian citizens.
All of these representatives represent a different political party and are called Members of Parliament (MP for short). All of the political party representatives are tallied up and the leader of the group with the largest number of representatives becomes the Prime Minister. The Prime Minister has the duties of being head of government throughout Canada. Next, you have Ministers in the Cabinet that are handpicked by the Prime Minister. The Ministers serve different duties as there's some for immigration, some picked for justice and some picked for other subjects as well.
This Cabinet effectively decides Canada's government policies regarding these issues. When the House of Commons proposes a law, it's reviewed in depth by the Senate. Then you have the provincial government which is presented by a Lieutenant governor. Inside this level, there's a legislative assembly that makes the law. These people are called the Members of Provincial Parliament (MPP for short). Just like the MPs, the leader of the largest political party group is the head of Government in Ontario.
Then finally we have the Municipal governments that determine the finances, the structure and the management of the local governments. Different committees that are elected will discuss city budgets, how to address administration issues and all they will pass on solutions for debate to the council.
Each level of government plays a critical role in keeping the system together and determining who has what responsibilities. Canada's political system is a very organized system compared to a couple of other first world countries.
Picking out a credit card can seem like a daunting task. There's just so many credit card companies out there today, that it seems impossible to choose the best one that offers the best benefits for you. Before you start checking out different credit cards out there, you need to know what your credit score is. Your current credit score will play a huge determining role in making you an applicant for a wide variety of cards out there.
There's also some other variables we need to look at when we pick out a credit card. Do you travel frequently? If so, we're going to want something with flyer points. These cards work by letting you earn money off of flights as you spend money and make payments on time. Do you have low credit? You're probably going to want something that doesn't have an annual fee but the downside of that is, these cards usually come with a really high interest rate.
Finally, there's the cash back and reward cards. These are cards that give you some kind of incentive to use them as the primary method of transactions. When you do, you'll get points or rewards that can be redeemed. Some are in the form of cash, some are in the form of flyer miles and other rewards. Here's some of the best Canadian credit cards for cashback and rewards.
MBNA Platinum Plus - While this card comes with an annual fee, it's outweighed by the benefits if you're a frequent shopper. You'll get a $50 cash credit back on your card after the first qualifying purchase. You'll additionally earn 3% cash back for every dollar spent at a gas station in Canada. You'll also qualify for free roadside assistance which is a $69 a year value for free.
More cash back credit cards here: www.lifeoncredit.ca
BMO SPC CashBack MasterCard - This card allows you to get cash back on all purchases without any exceptions at a 1.0% rate. There's no annual fee and the card comes with purchase protection for fraudulent purchases. There's a 19.99% interest rate on purchases which isn't too high. The Student Price Card allows you to save 10 to 15 percent at some select stores as well.
BMO CashBack MasterCard -Like the BMO SPC CashBack MasterCard, this card has a 19.99% interest rate on purchases, no annual fee, purchase protection but this card also offers a discount on rentals.
RBC Cash Back MasterCard - This card is more oriented towards care givers and people raising a family that frequent the grocery store. You get 2% cash back credits when you make grocery store purchases and you'll get 1% on all other purchases. There's no annual fee and a 19.99% interest rate on purchases and cash advances: www.lifeoncredit.ca/cashback-vs-rewards-credit-cards.
Capital One Aspire Cash Platinum MasterCard - Coming in at a slightly lower interest rate of 19.8%, this card also offers a 1% cash reward on all your purchases. There's no limit on the amount of cash you can earn as long as you follow the restrictions and guidelines.
Shell CashBack MasterCard from BMO - This card gives you $25 in credit back after you make a first qualifying purchase. You'll earn 1.5% cash back for every dollar spent at a Shell location, as long as it's in Canada. However, you'll only earn 0.5% on every dollar spent everywhere else that MasterCard is accepted.