pheonix

this is more accurate than the calculator i had thanks
with $110k im looking at a net of $6.75k per month
see my revised comparison based on everyones feedback below:

$100.00 Healthcare & Dental (Family)
$542.60 UK debts
$2,500.00 Rent
$500.00 Daycare (3 days)
$200.00 Utilities
$320.00 Car insurance
$100.00 Internet & TV
$130.00 Cell phones
$100.00 Home insurance
$120.00 Fuel
$700.00 Food
$100.00 Baby group sessions
$200.00 Entertainment

$1,137.00 reserve/savings/other

pheonix

point taken, cheers

el_richo

Home ins and Car ins is on the high side and i think your entertainment or extra activities is on the low side.

If you're also funding your wife's education that will also need factoring in as well as baby clothing etc as the kids grow.

Personally, i'm with RICH and Alan2005 in that for the amount of money you're coming to, it certainly won't be an extravagant lifestyle but you could get by.

Which area are you looking to live?

As for the birth. You would probably need to secure a midwife or Dr asap and for that i think you need a care card, not insurance coverage. This is a guess but i would think that the birth would be covered but anything during the run up may be out of your own pocket unless the insurance company would be willing to cough it up. I'd be interested to know the correct answer to that one.

el_richo

Just checked our old 3 month gap policy while we waiting for full coverage when we first moved. It says...

We cover pregnancy for up to 31 weeks; however, that does not cover routine pre-natal care (regular check-ups.) Complications that happen 9 weeks before the due date of the mother are also excluded.

I think this is the main priority in finding out more details otherwise it could be extremely costly.

JonboyE

The only thing I see missing is what about acquiring you car(s)? Will you buy outright?

Aviator

All of the employer extended health plans I have had included family at no extra cost to me, however there was a 90 day waiting period that coincided with the probationary period for the job.

el_richo

Yep, and she'll be 90 days away from giving birth so they'll need to look into it.

pheonix

thanks, this issue unfortunately could be a deal breaker

I will find out and post

pheonix

yes, i will buy outright

thanks

pheonix

we don't need extravagant, just comfortable

i would be living in Vancouver hence the higher home ins

thanks

iaink

It need not be a deal breaker, she could just stay a few more months in the UK to have the kid, and you would be the "pathfinder" in BC, getting things ready and figuring out the lay of the land.

A couple of times when I was a kid my dad changed jobs in the UK and lived hundreds of miles away for months at a time, overseas is a little different, granted, but your kids are young and it would only be for a relatively short time. Im not saying it would be ideal, but you certainly wouldnt be the only one to do that here.

On the other hand, given the overall costs to find you, hire you and relocate you, and the prospect of having to spend time and money to find the right candidate again, I dont imagine an extra $10k or so for your wifes medical expenses would necessarily be a deal breaker for your employer either, or they may be OK with waiting an extra couple of months for you to start, given that it all takes time to sort out the paperwork anyway. Talk to them, see if you cant work something out.

When I was recruited it was a condition on my behalf that any wait period be waived, I think many employers are flexible on this.

pheonix

we have no family near us to help my wife if i were to leave first, so unfortunately can't do this

thanks for sound advice i will talk to company and see if coming after birth is an option

iaink

Or they might choose to cover your (her) expenses themselves too if insurance cant be found.

Is her going close to where there is family an option? couple of hundred miles, couple of thousand miles, whats the difference

el_richo

Where in Vancouver?

pheonix

Burnaby