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Next steps and financial planning

Next steps and financial planning

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Old Feb 19th 2019, 8:15 am
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Default Next steps and financial planning

Hullo everyone,

I like to be very prepared so I have previously posted about thinking of moving, possible locations etc. Things have moved on since then and I have made a few fortuitous career connections which may lead to a PhD opportunity in a couple of years time. I'm not an idiot and know that PhD salaries are not wonderful, but whereas in the UK they tend to be a stipend that is quoted or at least banded, I can't find many examples in Canada. I think it is likely that this would be based in Calgary or Saskatchewan, where obviously I assume there is a difference in the cost of living. As it is unlikely I would be moving for a couple of years I would like to start saving and planning asap. If anyone would mind answering a couple of questions that would be great.

- how much in savings should I be bringing as moving expenses? I have seen completely varying amounts quoted on the forum, and I assume I would need to pay for this myself.
- Any salary expectations/advice/knowledge? Is it a stipend system like some UK PhDs or is it a salary?
- Visas: I would be eligible for EE and PR anyway as I have enough points on the CRS tool - should I apply for this route regardless or use the visa option the university would give me? Speaking of which, what would that be?
- is it usual in Canada for people to supplement their income during study or do people make do? This would affect the amount of money I would save to bolster my income as well.

I think that's it for now but will probably have more questions as we go along. Cheers all!
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Old Feb 19th 2019, 12:58 pm
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Default Re: Next steps and financial planning

Originally Posted by claphamer
- how much in savings should I be bringing as moving expenses? I have seen completely varying amounts quoted on the forum, and I assume I would need to pay for this myself.
Just moving expenses, or moving expenses and setting up life in Canada expenses as well? If both, then this thread has some useful figures in - cost of moving to canada. Is it just you, or your and spouse, or you and family?

Originally Posted by claphamer
-- Any salary expectations/advice/knowledge? Is it a stipend system like some UK PhDs or is it a salary?
Sorry, not a clue. Hopefully somebody like Novo will see this and comment though.

Originally Posted by claphamer
-- Visas: I would be eligible for EE and PR anyway as I have enough points on the CRS tool - should I apply for this route regardless or use the visa option the university would give me? Speaking of which, what would that be?
If you are definitely eligible (what is your current score, and what will you score in 2 years time, will you have lost points due to age?), then I'd apply for PR personally. That way you're not reliant somebody else sponsoring you, or tied to them, and you can also work when you want (see below).

Originally Posted by claphamer
- is it usual in Canada for people to supplement their income during study or do people make do? This would affect the amount of money I would save to bolster my income as well.
It's usual, but will depend on the visa you're on as to how much you're allowed to work - it's restricted on a work permit.





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Old Feb 19th 2019, 2:20 pm
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Default Re: Next steps and financial planning

Originally Posted by christmasoompa
Just moving expenses, or moving expenses and setting up life in Canada expenses as well? If both, then this thread has some useful figures in - cost of moving to canada. Is it just you, or your and spouse, or you and family?

Thanks for the thread. Just me at the moment. My mum would consider relocating (super visa/other routes for pensioners will need an explanation at some stage) but studying for three years might be a way of me doing the Canada thing without her uprooting her entire life. We're each other's only family so despite having only lived outside the UK for 6 months of her life, she has said she would relocate if I was to make a permanent move. No dependants though for me.

It would be for setting up life in Canada expenses as well. In my head I tied them both into the same lump sum of xxx thousands of £s I'd need but actually might make sense to split this budget?


Sorry, not a clue. Hopefully somebody like Novo will see this and comment though.

If you are definitely eligible (what is your current score, and what will you score in 2 years time, will you have lost points due to age?), then I'd apply for PR personally. That way you're not reliant somebody else sponsoring you, or tied to them, and you can also work when you want (see below).

Current score is: 481. That's for if I was to start the process now, aged 27 (almost) so how long does it usually take? If I redo it for in two years time, with a view to coming over in September 2021 or 2022 then my score is still 481, and goes down to 476 once I turn 30. Hopefully I have done it right.


It's usual, but will depend on the visa you're on as to how much you're allowed to work - it's restricted on a work permit.
Thanks!

Edit: hope the formatting isn't too glaring here!
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Old Feb 19th 2019, 8:21 pm
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Default Re: Next steps and financial planning

I believe PhD students are usually paid by grant money obtained by their supervisor. Each university seems to have a range of salaries for PhD students, depending on their faculty, field of work, and year.

You may also have to do some course work leading to an exam before you are officially accepted to do your PhD, drop down to a Masters', or (heaven forbid) leave. Courses cost money, and you will also have to pay fees for each year of study.

Depending on your faculty/field of study, you may find that your supervisor expects you to take longer than 3 years ............ at UBC for example, many PhDs in science take 4-5 years especially when field work is necessary (botany, zoology).

You might also be required to act as TA for your supervisor or in other undergrad courses run by other faculty

I suggest that you look at requirements for PhD students at each and every university that you are considering and see what their requirements are regarding courses needed, fees for PhD and for courses required for you to take, work allowed, salaries, etc etc etc
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Old Feb 20th 2019, 8:18 am
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Default Re: Next steps and financial planning

Originally Posted by scilly
I believe PhD students are usually paid by grant money obtained by their supervisor. Each university seems to have a range of salaries for PhD students, depending on their faculty, field of work, and year.

You may also have to do some course work leading to an exam before you are officially accepted to do your PhD, drop down to a Masters', or (heaven forbid) leave. Courses cost money, and you will also have to pay fees for each year of study.

Depending on your faculty/field of study, you may find that your supervisor expects you to take longer than 3 years ............ at UBC for example, many PhDs in science take 4-5 years especially when field work is necessary (botany, zoology).

You might also be required to act as TA for your supervisor or in other undergrad courses run by other faculty

I suggest that you look at requirements for PhD students at each and every university that you are considering and see what their requirements are regarding courses needed, fees for PhD and for courses required for you to take, work allowed, salaries, etc etc etc
Thanks for this. Yep being a TA is normal so I'm prepared and excited for that. Interesting that they may take longer, most of the ones I've seen so far seem to be 3 years although yes it would be a science based PhD so worth noting. Probably makes the case for PR?

Would this count as "work" or "study"? Wondering about the CEC for PR if I applied once over there as opposed to before I go.
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Old Feb 20th 2019, 1:02 pm
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Default Re: Next steps and financial planning

My husband is on his second post-doc at Calgary university. He did his PhD in the U.K., but due to the nature of his work and the people he knows, he said that everyone he knows who’re doing a PhD are on a stipend of $25,000 a year and generally have the funding for 3 years. (He’s in climate change and so the PhDs he knows are in that area/archeology)
Most of them are either also working a part-time job also or have financial support from family.

When my husband did his PhD in England (2012-2016) he was paid a stipend of £14,000 per year so it’s pretty much the same.
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Old Feb 20th 2019, 3:37 pm
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Default Re: Next steps and financial planning

Originally Posted by claphamer
Would this count as "work" or "study"? Wondering about the CEC for PR if I applied once over there as opposed to before I go.
Can I count my work as a teaching assistant toward the work experience requirement?

HTH.
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Old Feb 20th 2019, 3:44 pm
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Default Re: Next steps and financial planning

Looks like that will probably be a no then as I assume a PhD counts as full time study.
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Old Feb 20th 2019, 3:50 pm
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Default Re: Next steps and financial planning

Originally Posted by suzeandmatt
My husband is on his second post-doc at Calgary university. He did his PhD in the U.K., but due to the nature of his work and the people he knows, he said that everyone he knows who’re doing a PhD are on a stipend of $25,000 a year and generally have the funding for 3 years. (He’s in climate change and so the PhDs he knows are in that area/archeology)
Most of them are either also working a part-time job also or have financial support from family.

When my husband did his PhD in England (2012-2016) he was paid a stipend of £14,000 per year so it’s pretty much the same.
That's what I thought. Similar to a PhD here like you say. Going to have to save +++ I think.
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Old Feb 20th 2019, 7:55 pm
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Default Re: Next steps and financial planning

Every PhD student that I have known, mainly in Botany and Zoology, has been REQUIRED to be a TA as it is considered part of their training ........... the teaching is almost always in the discipline that the student is studying, eg fern systematics and genetics, as the well-rounded fully knowledgeable student in every aspect of botany or zoology of many years ago is almost never found these days as undergrads seem to specialise much earlier than they did in the pre-1950s or '60s.

Almost all of the students have been "foreign' students here on a study visa. I'm almost certain that being a TA during term time counts as part of the studying towards a PhD ...............

BUT these are questions to ask of the university and their Graduate Student programme ........ many of them will actually be answered online without you having to contact a living person, but you will also get that link.


I urge you to do as I suggested in my earlier post ............ go online to each and every university in which you are interested, and VERY carefully read everything that is available from that university regarding their rules and regulations, fees, salaries, requirements, aid (eg possible scholarships and bursaries), legalities, etc etc etc


As regards the time taken to complete a PhD .............. UBC allows a grad student to register each year for 7 years before lowering the boom and saying "no longer". Other universities may have shorter or longer.

Most of your first year will be taken up by doing the courses laid out for you by your Committee (consisting of your supervisor and 3 or 4 other faculty members) and setting up your project idea. That Committee will meet with you within the first few weeks after you arrive.

You take what is called a Comprehensive Exam when you have finished taking all the required courses ....... this could be in the first year, at the end of the first school year or in the second year, depending on how many courses you are required to take.

Then you have to do your research, submit results, have them accepted by your supervisor (maybe also by your Committee), and begin to write.

Your thesis has to be submitted to the Committee Members, which by now will also include an "outside examiner" .................... the decision on when to submit the "completed" thesis is determined largely by your supervisor.

Only after the Committee has seen the thesis, and accepted it can your PhD Defense Examination be set. One or more of the Committee members (in addition to your Supervisor) may require you to make major changes in the thesis before they will accept it.

This is why I say that most of the ones I have known have taken 4-5 years to complete, write and defend. Those students have been from universities across the country, and it is the rare one who has finished everything including defense in 3 years.


I've known of university professors who never allowed a PhD student to leave in less than 5 years, and who in addition refused to allow any woman to finish in less than the full 7 years. He always found "one more thing that you need to do".

I've known one grad student who had problems with his supervisor, dropped out (by mutual agreement) after 3 years, then got the urge back in year 5 of eligibility and was taken on by another faculty member. He then had to ask the University Senate for permission to extend his eligibility from 7 years to 9.

I've known a grad student in Chemistry whose supervisor gave his students projects to do, and he expected to get a certain result to the research. This poor guy found different results, was taken off the research and given another project. Again he found a different result and was taken off the research and given another project.

We met him at that point, he was very discouraged, as you may imagine, and was talking of just dropping out of university. He was in his 3rd year, and we persuaded him to see if he could get dropped down to a Masters degree, finish the project and at least get something for 3-4 years of study.

He managed to do that, even though, once again, he didn't get the result that the supervisor expected ....... the supervisor agreed to accept his research results for a Masters Degree.

There was a very strange follow-up to this story ......... a couple of years later, another grad student was given that 3rd project, and he found exactly the same result as had the guy we knew. That intrigued the supervisor, who had a couple of students work on it. One of them got a PhD based on the research begun by our guy ............ it turned out that he'd found a "new" metal, and he ended up with his name on several research papers which were all built on the work he did to get his Masters.

Now, in my opinion, that supervisor was a jerk! But then all my training is in Botany and Zoology where you most certainly do not always get the result expected (or that you have decided must be).

Last edited by scilly; Feb 20th 2019 at 8:20 pm.
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Old Feb 21st 2019, 9:17 am
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Default Re: Next steps and financial planning

Originally Posted by scilly
Every PhD student that I have known, mainly in Botany and Zoology, has been REQUIRED to be a TA as it is considered part of their training ........... the teaching is almost always in the discipline that the student is studying, eg fern systematics and genetics, as the well-rounded fully knowledgeable student in every aspect of botany or zoology of many years ago is almost never found these days as undergrads seem to specialise much earlier than they did in the pre-1950s or '60s.

Almost all of the students have been "foreign' students here on a study visa. I'm almost certain that being a TA during term time counts as part of the studying towards a PhD ...............

BUT these are questions to ask of the university and their Graduate Student programme ........ many of them will actually be answered online without you having to contact a living person, but you will also get that link.


I urge you to do as I suggested in my earlier post ............ go online to each and every university in which you are interested, and VERY carefully read everything that is available from that university regarding their rules and regulations, fees, salaries, requirements, aid (eg possible scholarships and bursaries), legalities, etc etc etc


As regards the time taken to complete a PhD .............. UBC allows a grad student to register each year for 7 years before lowering the boom and saying "no longer". Other universities may have shorter or longer.

Most of your first year will be taken up by doing the courses laid out for you by your Committee (consisting of your supervisor and 3 or 4 other faculty members) and setting up your project idea. That Committee will meet with you within the first few weeks after you arrive.

You take what is called a Comprehensive Exam when you have finished taking all the required courses ....... this could be in the first year, at the end of the first school year or in the second year, depending on how many courses you are required to take.

Then you have to do your research, submit results, have them accepted by your supervisor (maybe also by your Committee), and begin to write.

Your thesis has to be submitted to the Committee Members, which by now will also include an "outside examiner" .................... the decision on when to submit the "completed" thesis is determined largely by your supervisor.

Only after the Committee has seen the thesis, and accepted it can your PhD Defense Examination be set. One or more of the Committee members (in addition to your Supervisor) may require you to make major changes in the thesis before they will accept it.

This is why I say that most of the ones I have known have taken 4-5 years to complete, write and defend. Those students have been from universities across the country, and it is the rare one who has finished everything including defense in 3 years.


I've known of university professors who never allowed a PhD student to leave in less than 5 years, and who in addition refused to allow any woman to finish in less than the full 7 years. He always found "one more thing that you need to do".

I've known one grad student who had problems with his supervisor, dropped out (by mutual agreement) after 3 years, then got the urge back in year 5 of eligibility and was taken on by another faculty member. He then had to ask the University Senate for permission to extend his eligibility from 7 years to 9.

I've known a grad student in Chemistry whose supervisor gave his students projects to do, and he expected to get a certain result to the research. This poor guy found different results, was taken off the research and given another project. Again he found a different result and was taken off the research and given another project.

We met him at that point, he was very discouraged, as you may imagine, and was talking of just dropping out of university. He was in his 3rd year, and we persuaded him to see if he could get dropped down to a Masters degree, finish the project and at least get something for 3-4 years of study.

He managed to do that, even though, once again, he didn't get the result that the supervisor expected ....... the supervisor agreed to accept his research results for a Masters Degree.

There was a very strange follow-up to this story ......... a couple of years later, another grad student was given that 3rd project, and he found exactly the same result as had the guy we knew. That intrigued the supervisor, who had a couple of students work on it. One of them got a PhD based on the research begun by our guy ............ it turned out that he'd found a "new" metal, and he ended up with his name on several research papers which were all built on the work he did to get his Masters.

Now, in my opinion, that supervisor was a jerk! But then all my training is in Botany and Zoology where you most certainly do not always get the result expected (or that you have decided must be).
Yeah I've heard some truly awful horror stories like these. It does almost put me off but unfortunately I think my career is going to stagnate without one so once I've finished my part-time MSc I will probably be looking to move on into academia. I really enjoy teaching so the TA stuff is a bonus for me. What I will do is look at the one Uni that has my interest area here and compare it very carefully with the Canadian ones as you suggest, as well as a couple based elsewhere and see. I like being very methodical about these things so it will be interesting to see what comes out on top.
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Old Feb 21st 2019, 8:37 pm
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Default Re: Next steps and financial planning

Always remember that you can plan to the nth degree, but something will always change.
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