Go Back  British Expats > Living & Moving Abroad > Canada
Reload this Page >

Potentially moving to Halifax, NS

Potentially moving to Halifax, NS

Old Jan 28th 2015, 10:27 pm
  #346  
BE Forum Addict
 
Silverdragon102's Avatar
 
Joined: May 2004
Location: Amherst Nova Scotia
Posts: 2,904
Silverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond reputeSilverdragon102 has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

If I don't use my own bank cashpoint I get charged anything from$1.50 to $3.00 which sometimes I get back and other times I dont get anything back
Silverdragon102 is offline  
Old Jan 28th 2015, 10:36 pm
  #347  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by PlacidCasual View Post
Anything saved in the UK on the price of milk, would be quickly lost during the drive to and from the supermarket.
Except most people I know get free grocery deliveries. And the cost of the car insurance in Canada would equate to the supermarket shop drive a thousand times over compared to UK insurance prices.
christmasoompa is offline  
Old Jan 28th 2015, 10:39 pm
  #348  
Oscar nominated
 
BristolUK's Avatar
 
Joined: Jan 2008
Location: Moncton, NB, CANADA
Posts: 35,067
BristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by PlacidCasual View Post
Any tips on setting up a Canadian bank account prior to arrival?
Is it the same as the UK in that you can use your card at any cashpoint without incurring charges?
You might have a few surprises in store.

If not, which banks have best coverage around Halifax and NS in general?
I think the bank sites might have maps with the branches on them. You may get a good idea from that.

Unless you've got pots of money, expect bank changes that you wouldn't get in the UK.

President's Choice is free - no branches as such (they have 'facilities' in Atlantic Superstore) but you can use machines in Superstore and the CIBC banks. Might not be easy to open before arrival though.

I use cashback at various shops more than going to the bank.
BristolUK is offline  
Old Jan 29th 2015, 8:38 am
  #349  
Forum Regular
 
Joined: May 2014
Posts: 42
CFAmovingsoon is an unknown quantity at this point
Default Re: Potentially moving to Halifax, NS

Originally Posted by PlacidCasual View Post
Any tips on setting up a Canadian bank account prior to arrival?
Is it the same as the UK in that you can use your card at any cashpoint without incurring charges?
If not, which banks have best coverage around Halifax and NS in general?
Prior to arrival is not really possible as far as I've researched it. You are probably keeping an account in the UK (for tax, pension etc..). So as soon as you get there, walk in to a bank, make an appointment to set up an account. You need your SIN, your COPR or PR and passport for this. When you set up your account you get a card and when there's money in your account: you're in business. You might be able to make an appointment by phone or email before you fly over. It takes some time, but you get to speak with a person (network) and it's not complicated.

As for best coverage: Let me google that for you and Let me google that for you again

There's Credit Unions too, but you might need a residence address for that...
We've gone with scotia, they have a welcome to canada thing where they give you $100 after a month or two...

Research the charges when you find a bank you like. You can then try to avoid them. The charges that is...
CFAmovingsoon is offline  
Old Jan 29th 2015, 2:53 pm
  #350  
BE Enthusiast
 
Joined: Jan 2011
Posts: 630
confused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond reputeconfused_uk has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by CFAmovingsoon View Post
Prior to arrival is not really possible as far as I've researched it. You are probably keeping an account in the UK (for tax, pension etc..). So as soon as you get there, walk in to a bank, make an appointment to set up an account. You need your SIN, your COPR or PR and passport for this. When you set up your account you get a card and when there's money in your account: you're in business. You might be able to make an appointment by phone or email before you fly over. It takes some time, but you get to speak with a person (network) and it's not complicated.

As for best coverage: Let me google that for you and Let me google that for you again

There's Credit Unions too, but you might need a residence address for that...
We've gone with scotia, they have a welcome to canada thing where they give you $100 after a month or two...

Research the charges when you find a bank you like. You can then try to avoid them. The charges that is...
HSBC Canada let you open an account as a non resident
confused_uk is offline  
Old Jan 29th 2015, 4:08 pm
  #351  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by CFAmovingsoon View Post
Prior to arrival is not really possible as far as I've researched it.
You've tried the banks that the Wiki says will let you open an account prior to arrival? If so, we need to change that info if it's no longer correct.
christmasoompa is offline  
Old Jan 29th 2015, 4:32 pm
  #352  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by PlacidCasual View Post
Our "cheap" petrol today in the UK would set you back $2.00 per litre...
That's at £1.06 a litre, not long ago it was £1.26 which works out at $2.38

Anything saved in the UK on the price of milk, would be quickly lost during the drive to and from the supermarket.

I hope this concludes the discussion as this thread has been sidetracked enough now.
You haven't considered that in the UK it's usual to walk to the supermarket and, if you don't want to do that, there are services set up to accommodate your need for milk; buses, trains, delivery, taxis, car shares, that boy on a bike from the Hovis adverts.

The cost of milk in Canada needs to consider the requirement to have a vehicle in order to obtain the milk:

car payment, $500 month
car insurance, $500 month
sticker, $50 month
petrol $10 per milk fetching occurrence
parking $10 per mfo

If someone in Canada fetches a gallon of milk weekly then the cost per pint is in the order of:

($125+$125+$12.50+$10+$10)/8 = $35.3125

which is not cheap. And that's milk; it's worse for wine.
dbd33 is offline  
Old Jan 29th 2015, 4:49 pm
  #353  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by dbd33 View Post
You haven't considered that in the UK it's usual to walk to the supermarket
I would say that's quite unusual actually, unless you're a single person living in a town. There's no way I could carry all of my family's groceries for a weekly shop, even if I did live within walking distance of a supermarket!

I don't live close to one though, so I choose to take advantage of free or cheap (£2 a month) deliveries, which also has the advantage of me not having to do the actual shopping.
christmasoompa is offline  
Old Jan 29th 2015, 4:59 pm
  #354  
BE Forum Addict
 
Joined: Oct 2007
Location: British Columbia
Posts: 1,327
Lychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond reputeLychee has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Another reason why I keep bringing up population density as a major (yet often overlooked) difference between the culture of the UK and Canada. The UK is entrenched in infrastructure and services that are only economically feasible when there's a market of 60 million people within close proximity. It's why you can choose to walk, it's why public transit is efficient, it's why there are more diversity in products, it's why there are free deliveries.

Mind you, I walk everywhere in Vancouver and rarely bring my car to pick up groceries, but Vancouver's a population density anomaly for Canada. My point is that living in Nova Scotia will not have the same infrastructure or services as a high population density country like the UK (or anywhere in Europe) would. The entire population of Nova Scotia is less than 1 million people!

Last edited by Lychee; Jan 29th 2015 at 5:07 pm.
Lychee is offline  
Old Jan 29th 2015, 5:11 pm
  #355  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by christmasoompa View Post
I would say that's quite unusual actually, unless you're a single person living in a town. There's no way I could carry all of my family's groceries for a weekly shop, even if I did live within walking distance of a supermarket!
You could walk to the supermarket and get a taxi back, you could make multiple trips to the supermarket; you can afford not to do that so you don't (I wouldn't either) but in Canada you typically don't have the option.
dbd33 is offline  
Old Jan 29th 2015, 5:18 pm
  #356  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by dbd33 View Post
You could walk to the supermarket and get a taxi back, you could make multiple trips to the supermarket
Do you think I live in the middle of a city or something?! Based on an average walking pace of 2-3mph, it would take me approx 3 hours to get to my nearest supermarket (the majority of which would be walking down country lanes with no pavement). Trust me, walking really isn't an option!
christmasoompa is offline  
Old Jan 29th 2015, 5:22 pm
  #357  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by christmasoompa View Post
Do you think I live in the middle of a city or something?!
No, I think you live in the Chalfonts or thereabouts. I've some experience of that.
dbd33 is offline  
Old Jan 29th 2015, 5:29 pm
  #358  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by dbd33 View Post
No, I think you live in the Chalfonts or thereabouts. I've some experience of that.
You're several years out of date (and even then I was living in a village rather than a town like Amersham/Chalfonts, 5 miles from the nearest supermarket).

I'm far more rural than that now. Hence my love of supermarket deliveries.
christmasoompa is offline  
Old Jan 29th 2015, 5:31 pm
  #359  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by christmasoompa View Post
You're several years out of date
Well, yes, but I love my perm.
dbd33 is offline  
Old Jan 29th 2015, 5:32 pm
  #360  
SUPER MODERATOR
 
christmasoompa's Avatar
 
Joined: Oct 2007
Location: In a darkened room somewhere.............
Posts: 30,128
christmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond reputechristmasoompa has a reputation beyond repute
Default Re: Potentially moving to Halifax, NS

Originally Posted by dbd33 View Post
Well, yes, but I love my perm.
Can't blame you, I can see from here it's very fetching.
christmasoompa is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.