-With over 2.6 million residents, it is the fifth most populous municipality in North America . Toronto is at the heart of the Greater Toronto Area (GTA), and is part of a densely populated region in Southern Ontario known as the Golden Horseshoe - Wikipedia -Toronto's population is cosmopolitan and international ,  reflecting its role as an important destination for immigrants to Canada .  Toronto is one of the world's most diverse cities by percentage of non-native-born residents, as about 49% of the population were born outside of Canada.   
Tenant’s Insurance Tenant’s do not have coverage under their landlord’s insurance. If you rent your home, you should have insurance coverage. Tenant’s insurance covers personal property such as furniture, wardrobe, sports equipment, sound system, musical instruments, camera, computer, etc. It also provides protection against fire and theft, as well as water damage from plumbing break downs.
-Alterna Savings is one of a new generation of credit unions and can is seen as an alternative to mainstream banks. It provides full daily banking services, loans and mortgages, investment services and business banking. (Wikipedia) - ING Direct Canada was founded in 1997. Virtual banking. i.e. There are no branches. Instead, the savings are passed onto the consumer. They offer customers the option of banking by phone, the Internet, or by Automatic Bank Machine (ABM). -PC Financial no daily banking fees high-interest savings and low-cost borrowing No branches, but customers can bank online, by telephone, and at President's Choice Financial and CIBC bank machines earn free groceries and other great rewards
Land based Phones: $55 initial setup cost, plus ongoing monthly fee-However, GET $55 OFF THE INSTALLATION FEE IF YOU'RE A NEW BUNDLED CUSTOMER OR MOVING TO A NEW ADDRESS ADD UNLIMITED CANADA AND U.S. LONG DISTANCE CALLING FOR $20/MONTH ADD A SECOND PHONE LINE FOR ONLY $9.95/MONTH Studentphones.com StudentPhones.com is a mobile phone company that offers discounted mobile phone plans and accessories to students across Canada. They provide discounts on both mobile phones plans as well as handsets and give cool accessories as a bonus for signing up.
www.torontocallingcards.com A comprehensive site that provides information on all types of calling cards and their corresponding rates to the destinations of your choice. A complete breakdown on the per minute calling rate is provided along with connection charges. A good reference for anyone seeking info on the best card to purchase at the best per minute rate. Telecomparisons.com provides a breakdown on different rates offered by different companies and can estimate your phone bill bases on your long distance use
Basic Digital Cable-Rogers On Demand—Access to thousands of movies and shows at the touch of a button FREE Digital Music Channels—40 channels of commercial-free, CD-quality Interactive Program Guide—See what’s on several days in advance Free Timeshifting—Catch your favourite shows up to 5 times a day in different time zones Parental Controls—Protect your family from unwanted content Bell Bell has a number of different packages starting from $32.99. There is a $10 rebate if a one-year contract is signed and all packages include time shifting Both Bell and Rogers offer a comprehensive Cable + Phone+ Internet deal. Call for more details on discounts and rebates
Rogers Ultra-Lite $25.99 For those who primarily use email combined with a light amount of Web surfing. Bell Internet Essential Surf the net, send email and bank online Starting from $17.95 Primus Internet DSL Connection Only $34.95/month
Tenant insurance protects you from having to cover these costs out of your own pocket. Better to overcompensate then to undercompensate Check www.yellowpages.ca for a list of local insurance agents, brokers, and companies www.ibc.ca Established in 1964, Insurance Bureau of Canada is the national industry association representing Canada’s private home, car and business insurers. Before an insurance company can arrive at an appropriate premium, it must first assess the likelihood – or risk – that you will submit a claim. For the most part, the lower the risk – e.g., a well-maintained home with updated wiring and plumbing – the lower the insurance premium. (Some insurance companies specialize in riskier clients and their homes.) Your insurance representative will ask you a number of questions about your home. Insurance is based on good faith, so it’s important that you give complete answers. Policies vary, but here are a few things about which your company will ask.
Toronto Recycles-Toronto now has facilities equipped with technology to separate and process recyclables. This means that you can mix containers and paper products together. DO NOT RECYCLE: Glass, Plastic, metal, aluminium, fibres
UTSU (formerly SAC) sells monthly TTC passes for $96 the last few business days of each month at numerous locations across campus. Sales dates, locations, and further details available on the UTSU website .
Hailing a cab in the city is as easy as hitting #TAXI on your cellphone
Zipcar is the world's largest car sharing and car club service. It is an alternative to traditional car rental and car ownership. Autoshare.com This smart alternative to owning a car is called car sharing. It’s a concept pioneered and proven in Toronto over the past ten years by the AutoShare Team. As an AutoShare member, you get 24 hour self-serve access to clean, modern cars - at over 100+ locations across the city. There is low hourly and daily rates, a small monthly fee, and is designed for our typical members who drive 3 or 4 times a month
Health Service on St. George campus offers a range of services for University of Toronto students. The health team includes family physicians, registered nurses, a Community Health Coordinator, a Health Promotion Nurse, support staff and peer health educators. CAPS offers a wide range of counselling and psychological services to students: Individual psychotherapy Assault Counselling Pharmacotherapy Group Therapy Consultation
The Multi-faith Centre at the University of Toronto accommodates a variety of spiritual and faith-based practices, and encourages interfaith dialogue and spiritual development as part of the learning experience for all students.
The Family Care Office provides free confidential information, guidance, referrals and advocacy for students, staff, faculty and their families. Some of these services are also available to Postdoctoral fellows . Family Housing is located on 30 & 35 Charles St. W and is has 713 apartments. In addition, there is a rooftop garden, recreation rooms, family drop-in centre, bicycle storage room, underground tenant and visitor parking, and a childcare centre operated by George Brown College.
Ulife has hundreds of affiliations which include film appreciation clubs, debating societies, sports teams, social activism, drop-in classes, and research opportunities and awards.
Beyond Housing: Settling in to Life in Toronto Student Housing Service www.housing.utoronto.ca