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-   -   Misconception on cost of living (https://britishexpats.com/forum/canada-56/misconception-cost-living-384500/)

Liana Jul 31st 2006 3:24 am

Re: Misconception on cost of living
 

Originally Posted by Bleech
Please don't be put off. Unfortunatly there's far too much British whinjing & whinning on here, most of it is just BS :rolleyes:
I can't give you any info on Toronto, but I'm sure someone will be able to give you some real info, not just the freaky shops that only sell one size socks ;)

The thread is about the misconception and I came up with 26 years of facts - there are good things about Canada but the cost of living is a huge misconception.I acknowledged my post as a rant so I do think you are rather rude referring to it as BS which I am assuming is the not vey nice word. If you disagree with me then post your information but do not make snide remarks about people you may disagree with. Sensible posters acknowledge differences in opinions and accept that without personal attacks.

iaink Jul 31st 2006 3:24 am

Re: Misconception on cost of living
 

Originally Posted by Liana
A $60,000 salary here will put you in the highest income tax level and that is an average salary for all government workers. I can't move from here because this is where our work is and my house is lovely but only 4500 sq ft and of course the taxes here are maybe peculiar to this city only, but my house is probably just below a million in value but nowhere near the 1 to 2million pound properties my family have in London or the $2 million properties owned by relatives in Australia - they are all beautiful houses and mush cheapere to maintain. If you want lower income taxes go to Alberta but then one would have to spend much more to purchase property. I don't know where you get your $40 shirts from but they are probable 50/60% polyester. Try getting a decent 70% cotton shirt from even Moores and the regular price would be as I quoted and if you check out the manufacturing they are no way near as well made as those in the UK and I think that is because lots of men here don't wear suits every day to work as they do in the UK, unless you work on Ottawa or downtown Toronto. Anyway let me know where you shop please :)

Tell me about it. My job is one of 2 in Canada in my particular employment niche (my bosses is the other). There are also 2 in upstate NY that I know of. I really cant move to a similar job without relocating. But I have transferable skills that mean I could move if I had too.

Only 4500 sq ft.

Youre having a larf!


The difference is a teacher or nurse on $60k can actually afford to own a house in most of Canada, with the exception of central GTA and Vancouver, and perhaps now Calgary.

Shirts are 100% cotton. I said it was a good shirt. From Moores mostly, but other local retailers also have reasonable quality/price. Not that I have to wear a real shirt all that often thank God. perhaps its just the logistics of living out East that make it expensive for somethings. Bet you Lobster is cheaper there than anywhere else maybe?

I cant wait to retire so I can explore this big country a bit more than is possible on three weeks vacation. Maybe we will do the snowbird thing a bit and winter in the south.

Liana Jul 31st 2006 3:26 am

Re: Misconception on cost of living
 

Originally Posted by Tuppence
:scared: I'm sure you will struggle on :rolleyes:

Now whilst working but certainly not as a retiree. And time is moving along very quickly these days :D

Liana Jul 31st 2006 3:30 am

Re: Misconception on cost of living
 

Originally Posted by iaink
Tell me about it. My job is one of 2 in Canada in my particular employment niche (my bosses is the other). There are also 2 in upstate NY that I know of. I really cant move to a similar job without relocating. But I have transferable skills that mean I could move if I had too.

Only 4500 sq ft.

Youre having a larf!


The difference is a teacher or nurse on $60k can actually afford to own a house in most of Canada, with the exception of central GTA and Vancouver, and perhaps now Calgary.

Shirts are 100% cotton. From Moores mostly. Not that I have to wear a real shirt all that often than God.

100% cotton - do you do your own ironing :D
My house is nowhere near as big as some of the grand houses in Toronto/ Calgary/Vancouver or some of those huge estates in th US- not that I could afford any of those either. The size is over 3 floors so work that image out :)
But can the teachers etc afford properties in the cities I have just mentioned- not as first time buyers- maybe if they bought them 10/15 years ago and they are looking to upgrade but with their student loans etc and high income taxes it is very difficult for them in those cities.

Tuppence Jul 31st 2006 3:31 am

Re: Misconception on cost of living
 

Originally Posted by Liana
Now whilst working but certainly not as a retiree. And time is moving along very quickly these days :D

I am crying into my keyboard. How unfortunate that you will have to downsize from your 'only' 4500sq foot pad 'only' worth around $1m, because you can't afford the property taxes when you retire. :rolleyes:

I'm sure everyone here will have whipround if you ask nicely.

Reality check required methinks :zzz:

iaink Jul 31st 2006 3:31 am

Re: Misconception on cost of living
 

Originally Posted by Liana
100% cotton - do you do your own ironing :D


My house is nowhere nears as big as some of the grand houses in Toronto/ Calgary/Vancouver or some of those huge estates in th US- not that I could afford any of those either. The size is over 3 floors so work that image out :)

Yes, when necessary. I wear it, I iron it. not complicated. Why is that funny?

Those big houses elswhere are also paying large property taxes Im sure. Someone has to pay for the snow clearance dont they:)

TrishP Jul 31st 2006 3:33 am

Re: Misconception on cost of living
 

Originally Posted by Liana
My house is nowhere nears as big as some of the grand houses in Toronto/ Calgary/Vancouver or some of those huge estates in th US- not that I could afford any of those either. The size is over 3 floors so work that image out :)

Get a grip on yourself! Do you really need 4500 sq ft of house???? No wonder your taxes are so high. Your heating costs must be huge too!
Simple way to save loadsadosh - move to a smaller place!

Bleech Jul 31st 2006 3:42 am

Re: Misconception on cost of living
 

Originally Posted by Liana
The thread is about the misconception and I came up with 26 years of facts - there are good things about Canada but the cost of living is a huge misconception.I acknowledged my post as a rant so I do think you are rather rude referring to it as BS which I am assuming is the not vey nice word. If you disagree with me then post your information but do not make snide remarks about people you may disagree with. Sensible posters acknowledge differences in opinions and accept that without personal attacks.

That was not a personal attack, more a fed up sigh from someone really pissed off with Brits moaning about the stupidest of things, socks?? WTF??
26 years of facts are cool and it's great to get info from someone who's been here that long, but I think that your 26 years of been here is also your downfall & you're out of touch with what's going on back in the UK. I don't know where you're shopping, but it must be a strange place if they only sell one size of socks.
Anyway I'm out of here, fed up with all the moaning about the silliest of things & find myself getting nasty with people who moan, that isn't really me. Enjoy Canada it's a great place with great people and amazing adventures, go out there and enjoy it people, don't sit around whinjing that you can't find Bisto or petrol is expensive, it's not.
It's been a pleasure, see ya.

Liana Jul 31st 2006 3:43 am

Re: Misconception on cost of living
 

Originally Posted by Tuppence
I am crying into my keyboard. How unfortunate that you will have to downsize from your 'only' 4500sq foot pad 'only' worth around $1m, because you can't afford the property taxes when you retire. :rolleyes:

I'm sure everyone here will have whipround if you ask nicely.

Reality check required methinks :zzz:

Well where are you all living - I live in one of the most modest cities in Canada -if you live in any of the major cities then you will have very expensive housing too. And we can't afford to stay in a house this size; are you not aware that their are pension regulations here in Canada also and there are maximum pensions available unless your company sets up secondary pension funds to give you a bigger pension. Check out www.mls.ca and see what property prices are. Like most older people we will have to downsize when we retire and maybe we will have enough to buy a 2 bedroom apartment in a retirement comminity in Sussex but there aren't a great deal of such communities here in Canada - two retirement communities in Toronto that I know of charge $5000 a month rent - ok, great services, like restaurants and gym etc but no purchasing available and cleaning snow off the drive and sidewalk is a pain in the neck when you get older and retirement communities or condos good places to be. Still trying to stay on thread about misconception. :)

Tuppence Jul 31st 2006 3:45 am

Re: Misconception on cost of living
 

Originally Posted by Bleech
...
Anyway I'm out of here, fed up with all the moaning about the silliest of things & find myself getting nasty with people who moan, that isn't really me. Enjoy Canada it's a great place with great people and amazing adventures, go out there and enjoy it people, don't sit around whinjing that you can't find Bisto or petrol is expensive, it's not.
It's been a pleasure, see ya.

Nooooo, don't go. At least pop in now and then to let us know how you are doing. I understand there are much more fun and exciting things to do in the real world, but it's nice to know some virtual people too :beer:

Liana Jul 31st 2006 3:49 am

Re: Misconception on cost of living
 

Originally Posted by Bleech
That was not a personal attack, more a fed up sigh from someone really pissed off with Brits moaning about the stupidest of things, socks?? WTF??
26 years of facts are cool and it's great to get info from someone who's been here that long, but I think that your 26 years of been here is also your downfall & you're out of touch with what's going on back in the UK. I don't know where you're shopping, but it must be a strange place if they only sell one size of socks.
Anyway I'm out of here, fed up with all the moaning about the silliest of things & find myself getting nasty with people who moan, that isn't really me. Enjoy Canada it's a great place with great people and amazing adventures, go out there and enjoy it people, don't sit around whinjing that you can't find Bisto or petrol is expensive, it's not.
It's been a pleasure, see ya.

So presumably you will not read this - I am not out of touch with what is going on in the Uk; I spend at least 4 months of the year back there because of dealing with sick family members - please tell me which store sells different size socks? Used to be Eatons, and I miss that store, but certainly I don't see them in Sears or The Bay. And when you say "you can't find Bisto" I am assuming you mean "one"- anyway never used Bisto even in the UK- don't need that for gravy. :D

iaink Jul 31st 2006 3:49 am

Re: Misconception on cost of living
 

Originally Posted by Liana
two retirement communities in Toronto that I know of charge $5000 a month rent - ok, great services, like restaurants and gym etc but no purchasing available and cleaning snow off the drive and sidewalk is a pain in the neck when you get older and retirement communities or condos good places to be.

I think you need to do more homework on "Adult lifestlye communities", as I can think of at least two within a stones throw of here, and we are 2h from Toronto.

AFAIK its always been possible to pay someone else a nominal amount to clear snow for you, no matter where you live. Perhaps you could spend a small portion of what you save from your ludicrous taxes when you downsize on that?

sysclp Jul 31st 2006 3:49 am

Re: Misconception on cost of living
 

Originally Posted by Liana
But can the teachers etc afford properties in the cities I have just mentioned- not as first time buyers- maybe if they bought them 10/15 years ago and they are looking to upgrade but with their student loans etc and high income taxes it is very difficult for them in those cities.

Starter homes in the Toronto area can be had for as little as $150K if you are willing to settle for a condo or go east to Whitby or Oshawa. You won't have 4500 sq. ft. but you have 3 bedrooms. My house is in Pickering (first city to the east of the Toronto city limits) and cost $219K a year and a half ago. The house across the street exactly like it is up for sale right now asking $232K. It is semi-detached, has 3 bedrooms, 1 1/2 baths, probably around 1700 sq. ft. over 3 floors if you count the finished basement, and a decent back yard and nice front garden. Not a mansion, but there are only 2 of us and 3 cats and beats the heck out of the apartment we were renting before. Property taxes are about $2800/year, heating is $35/month on levelized billing, and hydro is about $100/month also on levelized billing. Our homeowners insurance is under $400/year, can't remember the exact amount as it is billed monthly and mixed in with all our other insurance (car, life, business). By the way, the previous homeowner we purchased from was a single mom of two who is a teacher.

or4ngecrush Jul 31st 2006 3:49 am

Re: Misconception on cost of living
 

Originally Posted by Bleech
26 years of facts are cool and it's great to get info from someone who's been here that long, but I think that your 26 years of been here is also your downfall & you're out of touch with what's going on back in the UK.

Very true

Emma

Steve_P Jul 31st 2006 3:50 am

Re: Misconception on cost of living
 

Originally Posted by Liana
are you not aware that their are pension regulations here in Canada also and there are maximum pensions available unless your company sets up secondary pension funds to give you a bigger pension.


Your reality is very much different than mine.

Tell me more about this maximum pension thing, Ive not heard of any maximum being placed on pensions.

Unless you are speaking only of CPP and OAP.


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