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Ontario 5 months in

Ontario 5 months in

Old Jan 12th 2012, 4:59 am
  #16  
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Default Re: Ontario 5 months in

Originally Posted by dbd33
At that company. The agent can represent you to any other company. Are you saying that there are so few potential employers that this is a problem?

If so, I'm surprised an agent could be of value, surely you'd know all the players in such a specialised sector from trade bodies of one sort or another.
Canada is a bit strange in the Telco space as the big internationals normally manage the sort of positions I am after from the US.

In fact most of the networking opportunities I got once I landed. I had quite a few C-level people looking out for me but could not assist with Canada.

So really that left the domestic opportunities which relied on more traditional methods of applying for a job, which is where I fell down.

I have only been technically out of work since Nov 1st which is right in the middle of the dead zone for getting a job in most countries (but more so in Canada as it is the end of the financial year).

But never mind, even in London it can take several months to land a good job, it may be that the Canadians are more selective at the early stages so the ones I do interview for will actually mean something. I have been to many interviews where I am wondering what I am doing there.

L
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Old Jan 12th 2012, 5:08 am
  #17  
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Default Re: Ontario 5 months in

Originally Posted by iaink
Not if you are the poor bugger that has to sit in the rear "seats"
Charlie did well enough on it.
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Old Jan 12th 2012, 5:53 am
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Default Re: Ontario 5 months in

Originally Posted by iaink
Civic is built in Alliston Ontario, and has been sales leader for 13? years straight. parts are cheap as chips. But its not the car costs that drive the premiums, its the accident stats I guess.
No, I would have thought that cost of parts, and thus the costs of accident repairs, also help the drive premiums.
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Old Jan 12th 2012, 5:54 am
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Default Re: Ontario 5 months in

Originally Posted by dbd33
Charlie did well enough on it.
Fair point, now I just need to persuade the kids to lay across the back seats...
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Old Jan 12th 2012, 2:02 pm
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Default Re: Ontario 5 months in

Originally Posted by Diddley1969
There is something the Canadians allow immigrants to do that protect you from capital gains tax for 5 years, but you have to do it before you land. It was not anything I considered (or even knew about), but all the things like endowments, ISAs, winnings on premium bonds (if you did not tell them you moved) may not be tax free if they occur after landing. That is my understanding of it all.

A house is a great example say if you brought it in 2007 and it lost 30% and you did not sell prior to moving and prices recovered after you landed, then you may be liable for the improvement even though on paper you may be making a loss still.

It is not relevant to me now but I think it allows one to avoid the situation I find myself in, potentially paying capital gains on assets that I would have otherwise booked a loss on had I sold them under UK rules. But in a depressed market such as we find ourselves in, it is worth looking into this before you land.

That is my understanding of it all, I will find out more once I see an accountant and do my first tax return.
An Inbound Immigrant Trust. They work just fine but you generally need to be sheltering some very large gains before the cost of administering the trust is less than the tax payable on those gains.

Lend us a tenner?

Last edited by JonboyE; Jan 12th 2012 at 2:19 pm.
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Old Jan 13th 2012, 1:16 am
  #21  
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Default Re: Ontario 5 months in

Originally Posted by iaink
To illustrate the point;
I was playing about with my policy options, and a ~2litre 4 pot Civic, Mazda3 or Elantra was always about $1400 a year for me, but a 5.0 V8 Mustang GT convertible was about $200 a year less than that for the same coverage
it is odd...i sold an older pontiac sunfire and bought a newer Audi and the insurance was only about 400 bucks a year difference (around 1700 a year if i recall).

I think it is more to do with the liability of the drivers.
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Old Jan 13th 2012, 5:07 am
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Default Re: Ontario 5 months in

Originally Posted by Diddley1969
There is something the Canadians allow immigrants to do that protect you from capital gains tax for 5 years, but you have to do it before you land. It was not anything I considered (or even knew about), but all the things like endowments, ISAs, winnings on premium bonds (if you did not tell them you moved) may not be tax free if they occur after landing. That is my understanding of it all.


A house is a great example say if you brought it in 2007 and it lost 30% and you did not sell prior to moving and prices recovered after you landed, then you may be liable for the improvement even though on paper you may be making a loss still.

It is not relevant to me now but I think it allows one to avoid the situation I find myself in, potentially paying capital gains on assets that I would have otherwise booked a loss on had I sold them under UK rules. But in a depressed market such as we find ourselves in, it is worth looking into this before you land.

Edit: I can see that JonboyE has done so. Many thanks to both of you.



That is my understanding of it all, I will find out more once I see an accountant and do my first tax return.
I would be interested to learn the authority for that, as that is not something that I am aware of. I would be much obliged if you would provide it to me.

Last edited by Almost Canadian; Jan 13th 2012 at 5:09 am. Reason: Must learn to read to the end of the thread
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Old Jan 27th 2012, 6:45 am
  #23  
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Default Re: Ontario 5 months in

Hi everyone, and thanks Diddley for the report, it's interesting to see how everyone gets along, I too have been here for 5 months now. I guess my situation is a little different in that, I moved over from London UK to Richmond Hill, with my husband whom is Canadian and we have moved in with his parents until our house is ready, with our 6 year old daughter.

For me, the culture shock is not having my life back right now, I miss cooking and doing everything for my family, because the MIL is doing everything, despite my desperate attempts to offer and do something. Drives me crazy being told what to do... I am almost 40 years old LOL! Anyways, I keep myself busy by volunteering at my daughters school, 4 mornings a week which is really fab and great experience and really opens up your eyes to what goes on in the schools and the education system. It's also useful to know for any 'mums or dads' that if you approach the school, you can be a 'lunch monitor' for around $12 per hour for playground duty, it cuts into the day, but it's $50 per week if you wants some pocket money. Also it gets you on the payroll of the York Board. all you have to do is get a Police Check and it costs $7 I think and this is renewed yearly. You can also register your CV with the Education Board as a supply office worker or teacher and select which schools you are close to work to and this is a great way to get experience and flexibility.

I had the biggest shock with the car insurance, have to say, going from a £300 per year for joint insurance full comp to $2,500 that's a massive jump and despite having proof of no claims in UK, it made no difference. The other thing to bear in mind is that the insurance companies work much differently over here, they insure per household, so basically I HAD to be insured on my husbands car, then if I get a second car, will have the same premium again for my car, crazy crazy. I understand the premiums go down fairly quickly, so as long as I don't claim this year, we should see a big drop, but it'll be a dream if it ever goes down to what I had in the UK, never!

You're right about food shopping, it is expense, incredibly and you do need to look through the flyers that come out every week, usually Thursdays, it means moving between different supermarkets, but to be honest, there seems to be one on every corner, so it's a bit of a palava, but not too much!

We set up accounts at the bank no problem as my husband was already with RBC, so that was straight forward for us and I had no problem in getting a credit card. Useful for you all to know though that banks here charge for everything, remember you only get something like 14 free transactions, then over that you pay, so make sure you ask about this for your bank. Total rip off!

We have bought a new house in Woodbridge, Vaughan, so that's an interesting experience to go through, anyone that wants to share thoughts, feel free to contact me, I've a lot to say on that one, but we are happy with things so far generally! It's a great up and coming area too with lovely family orientated neighbourhoods.

Okay all for me for now, school pick up waiting!
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Old Jan 27th 2012, 8:33 am
  #24  
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Default Re: Ontario 5 months in

Originally Posted by Almost Canadian
I would be interested to learn the authority for that, as that is not something that I am aware of. I would be much obliged if you would provide it to me.
Not overly sure on the detail it is something to do with an offshore trust but it must be done before you land.

There is plenty of detail about it on the web though
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Old Jan 27th 2012, 8:37 am
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Default Re: Ontario 5 months in

Originally Posted by Linlaz
Hi everyone, and thanks Diddley for the report, it's interesting to see how everyone gets along, I too have been here for 5 months now. I guess my situation is a little different in that, I moved over from London UK to Richmond Hill, with my husband whom is Canadian and we have moved in with his parents until our house is ready, with our 6 year old daughter.

For me, the culture shock is not having my life back right now, I miss cooking and doing everything for my family, because the MIL is doing everything, despite my desperate attempts to offer and do something. Drives me crazy being told what to do... I am almost 40 years old LOL! Anyways, I keep myself busy by volunteering at my daughters school, 4 mornings a week which is really fab and great experience and really opens up your eyes to what goes on in the schools and the education system. It's also useful to know for any 'mums or dads' that if you approach the school, you can be a 'lunch monitor' for around $12 per hour for playground duty, it cuts into the day, but it's $50 per week if you wants some pocket money. Also it gets you on the payroll of the York Board. all you have to do is get a Police Check and it costs $7 I think and this is renewed yearly. You can also register your CV with the Education Board as a supply office worker or teacher and select which schools you are close to work to and this is a great way to get experience and flexibility.

I had the biggest shock with the car insurance, have to say, going from a £300 per year for joint insurance full comp to $2,500 that's a massive jump and despite having proof of no claims in UK, it made no difference. The other thing to bear in mind is that the insurance companies work much differently over here, they insure per household, so basically I HAD to be insured on my husbands car, then if I get a second car, will have the same premium again for my car, crazy crazy. I understand the premiums go down fairly quickly, so as long as I don't claim this year, we should see a big drop, but it'll be a dream if it ever goes down to what I had in the UK, never!

You're right about food shopping, it is expense, incredibly and you do need to look through the flyers that come out every week, usually Thursdays, it means moving between different supermarkets, but to be honest, there seems to be one on every corner, so it's a bit of a palava, but not too much!

We set up accounts at the bank no problem as my husband was already with RBC, so that was straight forward for us and I had no problem in getting a credit card. Useful for you all to know though that banks here charge for everything, remember you only get something like 14 free transactions, then over that you pay, so make sure you ask about this for your bank. Total rip off!

We have bought a new house in Woodbridge, Vaughan, so that's an interesting experience to go through, anyone that wants to share thoughts, feel free to contact me, I've a lot to say on that one, but we are happy with things so far generally! It's a great up and coming area too with lovely family orientated neighbourhoods.

Okay all for me for now, school pick up waiting!
Decent Rugby club in Vaughan as I recall.
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Old Jan 29th 2012, 12:54 pm
  #26  
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Default Re: Ontario 5 months in

Originally Posted by Diddley1969
Decent Rugby club in Vaughan as I recall.
No, in Markham.
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Old Jan 29th 2012, 12:57 pm
  #27  
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Default Re: Ontario 5 months in

Originally Posted by Diddley1969
Canada is a bit strange in the Telco space as the big internationals normally manage the sort of positions I am after from the US.

In fact most of the networking opportunities I got once I landed. I had quite a few C-level people looking out for me but could not assist with Canada.

So really that left the domestic opportunities which relied on more traditional methods of applying for a job, which is where I fell down.



L
Got a job yet?

<didn't think so>
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Old Jan 29th 2012, 1:24 pm
  #28  
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Default Re: Ontario 5 months in

Originally Posted by Novocastrian
Got a job yet?

<didn't think so>
Soon hopefully
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Old Jan 30th 2012, 6:01 pm
  #29  
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Default Re: Ontario 5 months in

Originally Posted by Diddley1969
Just after we landed
Got a SIN Card, Got Drivers licence, applied for OHIP (need a tenancy agreement for this so getting a short term lease on a holiday home was useful)
Actually you don't need a tenancy agreement to apply for OHIP. They have a list of supporting documentation that they will accept:

http://www.forms.ssb.gov.on.ca/mbs/s...e/9998-82E.pdf

My daughter first applied for a Ontario Photo ID card and then used that to prove her address for the OHIP application. The stupid thing was that she didn't need to prove her address to get the Ontario Photo ID card in the first place! When I asked about this they said that they mail the photo ID card to the address you give them so if you receive it, you must be living there (debatable!). When I said the same theory could apply to the OHIP card, they didn't have an answer!
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