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RichMitch's questions about cost of living

RichMitch's questions about cost of living

Old Nov 9th 2021, 8:00 pm
  #46  
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Default Re: RichMitch's questions about cost of living

Originally Posted by RichMitch View Post
Hi,

I was just looking for pointers on how to garner some information please in regards to typical day-to-day living expenses in Canada, things like groceries, utilities and running a family car. Apologies in advance if there is a wiki which covers this )

I appreciate that costs vary depending on where we end up living but was just looking for ball park figures if at all possible please.

Also, is it true that a tax is added onto items when you go to pay for it or maybe this is just in BC (I have a friend who lived there and he told me about this)?

Thanks so much again for all of your help.
Which Province are you hoping to move to? The cost of living may be influenced by your location of choice

Taxes (just like VAT) are added to the price on check out here - something that drove me around the bend for the first few years..

Perhaps some of the sections in our Wiki may be of use to you.. https://britishexpats.com/wiki/Categ..._Topics-Canada



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Old Nov 9th 2021, 8:03 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by BristolUK View Post
Ah yes, that old lie about 'the taxpayer' as if civil servants aren't liable for taxes at the same rates in the same way.
My dad's "Wills" pension passed to my mum as a death benefit. That's normal isn't it? Yet gold plated is only used for molly coddled civil servants.

Is it not the case that the corner store owner makes that choice about being self employed with certain advantages available to them as a result?
Are there not death benefits available in other pension schemes? I was just looking to see how much the lump sum would be in the event of my death.
There isn't one.
If you retired more than 2 years ago there won't be any death benefit - that was something payable when still working. However the scheme does allow for a widow's pension for life (or until they remarry) and also a pension for any dependent children. I am not sure why you are so upset, a civil service pension is a good deal, almost to the extent that once most of the people I worked with hit 40, they were reluctant to leave because they didn't want to give up the guaranteed retirement income. The result was a lot of fairly unmotivated individuals serving out their last 15 years or so just waiting for retirement. The generation above us nearly all had guaranteed pensions, because they tended to work for the same company forever, now final salary pensions are like hens teeth and I consider myself fortunate to have one (even though it does not have anything like full contributions).
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Old Nov 9th 2021, 9:06 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by HGerchikov View Post
If you retired more than 2 years ago there won't be any death benefit - that was something payable when still working.
Or for a couple of years after.
However the scheme does allow for a widow's pension for life (or until they remarry) and also a pension for any dependent children.
Yes. Fairly standard though isn't it? I gave the example of the Wills pension that transferred to my mum. She has done very well from it but it's not described as gold plated even though it's more than I get
I am not sure why you are so upset, a civil service pension is a good deal,
I haven't said it's not. But you described it as low yourself while people are always going on about them as if it's something special.

My objection is to the constant vilification of civil servants and how they are somehow getting special treatment.

Just about everything suggested in this thread so far (vacation time, flexible working, pensions and so on) as being government worker exclusive advantages have been shown to be pretty much normal things with some exceptions.


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Old Nov 9th 2021, 9:19 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by BristolUK View Post
Or for a couple of years after.

Yes. Fairly standard though isn't it? I gave the example of the Wills pension that transferred to my mum. She has done very well from it but it's not described as gold plated even though it's more than I get

.
No its not even close to standard now, thats the point - it used to be standard when everyone had a final salary pension scheme, now government workers are pretty much the only people with a hope of having one.
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Old Nov 9th 2021, 10:11 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by HGerchikov View Post
... now government workers are pretty much the only people with a hope of having one.
Remembering of course that CS pensions were also the price to pay for low wages.

I see that around £20k is the current salary for the body of employees that form the bulk of my old department.
Salaries for the jobs we used to be compared to for pay purposes seem to be £26k to £32k.

I am struggling to see a final salary scheme on a low salary as gold plated.

I notice earlier that you said you were not in a particularly high paying role. This is one of those subjective matters. Perhaps for your department it wasn't.

I know that people left DWP in droves to work for the MOD that paid far higher wages for lower grade work.
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Old Nov 10th 2021, 8:47 am
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Default Re: RichMitch's questions about cost of living

"Which Province are you hoping to move to? The cost of living may be influenced by your location of choice

Taxes (just like VAT) are added to the price on check out here - something that drove me around the bend for the first few years..

Perhaps some of the sections in our Wiki may be of use to you.. https://britishexpats.com/wiki/Categ..._Topics-Canada"

Thanks Siouxie, I think we are decided on either Nova Scotia or New Brunswick. I guess it all depends on where the work is (my experience is mainly in the IT world) and finding a reasonably sized/priced home to rent

Thanks for the wiki link I'll take a look at it now!
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Old Nov 10th 2021, 8:50 am
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Default Re: RichMitch's questions about cost of living

Thanks everyone so much for your very kind information and help. I hope to get moved over towards Spring 2022 all being well and this has been terrific in helping me (hopefully!) avoid any economic pitfalls.
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Old Nov 10th 2021, 12:05 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by RichMitch View Post
Thanks everyone so much for your very kind information and help. I hope to get moved over towards Spring 2022 all being well and this has been terrific in helping me (hopefully!) avoid any economic pitfalls.
Are you hoping to secure an LMIA and temporary work permit or PR? If so, what is your CRS score? I only ask because if this is the case, planning to move over here by spring 2022 seem pretty ambitious to me. i had to apply for a work permit for one of our neuroscientists (VERY specialist), pre-covid and it still took months to complete. Or do you have another route in mind?
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Old Nov 10th 2021, 12:48 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by rivingtonpike View Post
i had to apply for a work permit for one of our neuroscientists (VERY specialist), pre-covid and it still took months to complete.
Are you no longer in the ice cream business or is this a very very specialized branch of neuroscience?
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Old Nov 10th 2021, 12:51 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by dbd33 View Post
Are you no longer in the ice cream business or is this a very very specialized branch of neuroscience?
No more ice cream for me! We sold up about 5 years ago! I suppose we could have used ice cream for brain freeze, but that would have been about it. My wife and I both saw sense and went back to our grown up jobs.
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Old Nov 10th 2021, 12:55 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by rivingtonpike View Post
No more ice cream for me! We sold up about 5 years ago! I suppose we could have used ice cream for brain freeze, but that would have been about it. My wife and I both saw sense and went back to our grown up jobs.
Glad to hear that there isn't some fiendish flavour laboratory on the island.
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Old Nov 10th 2021, 5:34 pm
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Default Re: RichMitch's questions about cost of living

Hi

Originally Posted by Mordko View Post
U.k civil service used to give 1/60 of salary per year of service. Someone with a monthly salary of 1040GBP over 30 years would get a pension of 520GBP on retirement day. The pension is inflation protected, so someone who left service a while back on 12K a year should be getting a lot more than 500 quid monthly in todays pounds.

I understand Canadian civil service pensions are slightly less generous, paying a bit less than 1/60 per year of service.

The reason its “gold plated” is because the taxpayer carries all the risk and the “extras” such as unlimited inflation protection, death benefit, etc are extremely generous. This is not available to a corner store owner who, as a taxpayer, is paying for civil service pensions. The “commuted value” for DB pensions of this type is very high (if permitted) because of all the benefits that come on top of the actual pension.
1. Canada Federal Civil Service Pension is 2% per year of the average salary over your best 5 years to a maximum of 35 years. You can retire at 55 with 30 years of service and receive a bridge benefit to age 65 when your OAS kicks in. The bridge is equivalent to OAS
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Old Nov 10th 2021, 8:04 pm
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Default Re: RichMitch's questions about cost of living

"Are you hoping to secure an LMIA and temporary work permit or PR? If so, what is your CRS score? I only ask because if this is the case, planning to move over here by spring 2022 seem pretty ambitious to me. i had to apply for a work permit for one of our neuroscientists (VERY specialist), pre-covid and it still took months to complete. Or do you have another route in mind?"

Hi, Yes I am hoping to secure an LMIA and temporary work permit. I am starting to think it might be later on in 2022 before we can make the move, by the time I get a job offer (hopefully) and visa - then get visas organised for my wife and children too......
I haven't applied for any jobs yet because we haven't fully settled on whereabouts to move to. Given what you've mentioned in regards to waiting times for visas, I'm going to start applying for jobs very soon!

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Old Nov 11th 2021, 12:48 pm
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Default Re: RichMitch's questions about cost of living

Originally Posted by RichMitch View Post
Hi, Yes I am hoping to secure an LMIA and temporary work permit. I am starting to think it might be later on in 2022 before we can make the move, by the time I get a job offer (hopefully) and visa - then get visas organised for my wife and children too......
I haven't applied for any jobs yet because we haven't fully settled on whereabouts to move to. Given what you've mentioned in regards to waiting times for visas, I'm going to start applying for jobs very soon!
Yep, you're looking at 3-4 months before you can move (and that's after you've found a sponsoring employer and job offer - which can take a much longer time!). So if 2022 is your aim, definitely get cracking, ideally get out there and job hunt in person.

And just FYI, if you use the 'quote' button at the bottom of the post you want to respond to, you won't have to copy and paste it.

Good luck.
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Old Nov 12th 2021, 8:45 am
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Default Re: RichMitch's questions about cost of living

Originally Posted by christmasoompa View Post
Yep, you're looking at 3-4 months before you can move (and that's after you've found a sponsoring employer and job offer - which can take a much longer time!). So if 2022 is your aim, definitely get cracking, ideally get out there and job hunt in person.

And just FYI, if you use the 'quote' button at the bottom of the post you want to respond to, you won't have to copy and paste it.

Good luck.
Thanks again, appreciate it! For some reason my computer wasn't letting me submit replies when I used the quote button but it would however let me reply using the quick reply button! I am using my work laptop so it's most likely concerning something weird and wonderful to do with the network security settings
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