NewStats: 3,263,108 , 8,179,125 topics. Date: Wednesday, 04 June 2025 at 05:45 PM 6g5276z3e3g |
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Ontario is quite large - e.g. Ottawa ON is 1 hour ahead of Dryden ON - so you need to narrow down your search to specific cities or areas. Examples just to give you an idea of cost Greater Toronto Area $$$$ Kitchener Waterloo $$$ Ottawa Area $$$ Barrie $$$ London/ St Thomas $$ pecky34: 1 Like |
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Moving to Canada is an exciting journey, but it comes with financial challenges that can impact your long-term success. As a new immigrant, it's easy to make financial mistakes - some of which I learned the hard way. In this article, I'll walk you through seven common financial mistakes new immigrants make in Canada and how you can avoid them. If you prefer watching a video breakdown of these points, check out my YouTube video on this topic where I share my personal experiences and practical solutions. 1. Not Bringing Enough Money to Cover 3–6 Months of Expenses One of the biggest mistakes newcomers make is not arriving with enough money to sustain themselves during the initial months. Settling in Canada is expensive. Landlords may ask for three months' rent upfront, and transportation, job hunting, and daily expenses add up quickly. If you don't secure a job within the first few months, you might find yourself in financial trouble. ✅ How to Avoid This: Bring at least 3–6 months' worth of living expenses when you move. Ensure you have the proof of funds required for your immigration application. Budget carefully and cut unnecessary expenses while settling in. 2. Not Having an Emergency Fund Life in Canada is unpredictable - job losses, unexpected medical bills, or urgent expenses can happen at any time. If you don't have a financial cushion, you may fall into debt or struggle to cover essential costs. ✅ How to Avoid This: Save at least 3–6 months of expenses in a high-yield savings for easy access. Avoid using credit cards or loans to handle emergencies. Start small - even saving $50–$100 per paycheck can help build your fund. 3. Ignoring Credit Building and Monitoring Many immigrants come from countries where credit isn't a priority. But in Canada, your credit score affects everything - from renting an apartment to getting a phone plan or a mortgage. Without a strong credit score, you may struggle to access financial opportunities. ✅ How to Avoid This: Get a credit card for newcomers (most banks offer them). Use your credit card responsibly - don't max it out, and keep utilization below 30%. Always pay your bills on time (credit cards, phone bills, utilities). Monitor your credit score using free apps like Borrowell or Credit Karma. 4. Ignoring Taxes or Delaying Tax Filing Many new immigrants don't realize the benefits of filing taxes in Canada. Even if you had little or no income, filing your tax return can unlock refunds, tax credits, and benefits like: GST/HST credit Canada Child Benefit (CCB) (for those with kids) If you ignore your taxes, you could face penalties from the Canada Revenue Agency (CRA). ✅ How to Avoid This: File your taxes on time every year (tax season is from February to April). Use free tax clinics or newcomer services for assistance. If you're self-employed, track your income and expenses to avoid issues. 5. Not Planning for Retirement and Wealth Building Many immigrants focus solely on earning and black tax - sending money back home, but forget about investing and retirement planning. In Canada, relying on government pensions alone won't be enough for a comfortable retirement. ✅ How to Avoid This: Open and contribute to RRSP (ed Retirement Savings Plan) and TFSA (Tax-Free Savings ). Start investing early - even small contributions add up over time. Use investment platforms like Wealthsimple, Questrade, or TD Direct Investing. 6. Not Having the Right Insurance Coverage Many newcomers overlook insurance, thinking it's unnecessary. However, not having proper insurance can lead to financial disaster in the event of an emergency. ✅ How to Avoid This: Car insurance: Choose the right coverage - don't just go for the cheapest option. Life insurance: Protect your family with term life insurance. Health & disability insurance: Consider private insurance for extra coverage. Be cautious of misleading insurance products. Some salespeople target newcomers with expensive policies that may not be the best option for you. Do your research before committing. 7. Overspending to "Look Successful" (FOMO Trap) Many immigrants feel pressured to immediately buy a new car, rent a luxury apartment, or wear designer brands to appear successful. Unfortunately, this can lead to financial stress, massive debt, and unnecessary financial struggles. ✅ How to Avoid This: Live within your means - buy a used car with cash instead of financing an expensive one. Don't rush into buying a home if you're not financially ready. Avoid lifestyle inflation - focus on building wealth first. Final Thoughts Moving to Canada is a life-changing experience, but your financial choices in the first few years can determine your long-term success. By avoiding these seven financial mistakes, you can build a strong financial foundation, avoid unnecessary debt, and set yourself up for financial success in Canada. Want to dive deeper? Watch my full breakdown in this YouTube video: ➡️ Watch the full video here https://www.youtube.com/watch?v=4ruDfM_AURY 📌 Let's Connect! If you found this article helpful, share it with someone who needs this information! Also, feel free to comment below - have you made any of these financial mistakes? How did you recover? 🔹 Subscribe to my YouTube channel for more immigrant finance tips! 🔹 Follow me on Instagram for daily insights and updates. https://www.instagram.com/mykokosdiary/ |
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Zeewirld: Not an "experienced senior" but read this post https://nairaland.unblockandhide.com/8352674/choosing-right-province-canada-guide#134305948 or watch this video https://www.youtube.com/watch?v=KGL-7Gp8g7o?si=svKwOUuEysnzChqG 1 Like |
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Moving to Canada is an exciting journey, but choosing the right province to settle in is a crucial decision. With each province offering unique advantages in job opportunities, cost of living, climate, and community, it's important to weigh your options carefully. In this guide, I'll walk you through the key factors to consider when selecting your new home in Canada. 1. Job Opportunities One of the most important factors to consider is employment. Some provinces have thriving industries that might align with your skills and experience. For instance: Ontario & British Columbia - Booming sectors in tech, healthcare, and finance. Alberta - Strong economy driven by oil and gas. Nova Scotia - Growing opportunities in IT and communications. The job market varies across Canada, so it's essential to research which provinces have the highest demand for your expertise. Take your time to explore job listings and trends before making a decision. 2. Cost of Living Big cities like Toronto and Vancouver offer great opportunities but come with a high price tag. On the other hand, provinces like Manitoba, New Brunswick, and Saskatchewan offer a more affordable lifestyle. According to Rentals.ca, cities like Regina have some of the lowest rental prices in the country. If cost of living is a dealbreaker for you, prioritizing more affordable provinces may be a smart move. Not everyone needs to live in a major city. Many smaller cities provide excellent housing options and a good quality of life without the high costs. 3. Climate & Weather Canada is a vast country with diverse climates. British Columbia - Mild winters with little snow, perfect for those who prefer a more temperate climate. Saskatchewan, Manitoba, and Alberta - Harsh winters with heavy snow and extreme cold. Ontario & Quebec - A mix of hot summers and cold winters, offering a balanced seasonal experience. Make sure you're prepared for the climate where you plan to live. If you prefer milder winters, B.C. might be the best choice. If you love winter sports or don't mind the cold, the Prairies could work for you. 4. Language Considerations While most provinces are primarily English-speaking, Quebec is predominantly French. If you're bilingual or eager to immerse yourself in French culture, Quebec - especially cities like Montreal - might be the perfect fit. On the other hand, if you prefer an English-speaking environment, provinces like Ontario, Alberta, and B.C. would be a better match. 5. Personal Story: How We Chose Our Province When my wife and I were deciding where to land in Canada, our top concern was healthcare access. My wife was pregnant at the time, and we wanted to ensure that she could for provincial health insurance quickly. Initially, we thought Alberta would be the best option since it had a short waiting period for health card registration. However, after further research, we realized that healthcare accessibility wouldn't be an issue regardless of where we landed. Our next major consideration was family and . We had family and friends in Ontario, and we knew having a strong system would make our transition easier. That made all the difference - we had a place to stay when we arrived, guidance on job hunting, and a community that helped us settle in. Key takeaway: As a new immigrant, having a system - whether through family, friends, or a local immigrant community - can make a huge difference in your settlement experience. Popular Provinces for Immigrants Here's a closer look at some of the most popular provinces for newcomers: Ontario 🇨🇦 Home to Toronto, Canada's largest city. Strong job market in finance, healthcare, and tech. Highly diverse - over 50% of Toronto's population was born outside Canada. A great place for networking and cultural exposure. British Columbia 🌲 Stunning natural beauty with mountains, forests, and the Pacific Ocean. Thriving industries in film, IT, and tourism. Mild winters, making it a favorite for those who prefer less snow. Alberta ⛽ Strong economy driven by oil and gas. Cities like Calgary and Edmonton offer a relatively low cost of living. Increasingly popular among newcomers moving from expensive regions like Ontario. Nova Scotia 🌊 Perfect for those who love a coastal lifestyle. Affordable housing and a welcoming immigrant community. Cities like Halifax offer a mix of urban life and seaside charm. Final Thoughts Choosing the right province is a personal decision, but no matter where you settle, Canada has plenty to offer. Take your time, do your research, and consider factors like jobs, cost of living, climate, language, and - most importantly - networks. Wherever you land, that you're not alone. Canada has strong communities ready to welcome you, or you can build your own! Found this guide helpful? Share it with someone planning to move to Canada! 🇨🇦✨ Watch on YouTube - https://www.youtube.com/watch?v=KGL-7Gp8g7o |
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Moving to Canada is an exciting new chapter, but knowing what to do upon arrival can make the transition smoother. Whether you’re a permanent resident, student, or temporary worker, here are the crucial steps to take after landing in Canada. 1. Arrange Temporary Accommodation Before you arrive, make arrangements for temporary housing. Options like Airbnbs, hotels, or short-term rental apartments are ideal. These flexible arrangements give you time to explore neighborhoods and find a permanent home close to work or other essential amenities. 2. Start Job Hunting If you’re a permanent resident, you can start applying for jobs even before arriving in Canada. Use platforms like Indeed.ca and LinkedIn to find openings in your field. Ensure your résumé follows the Canadian format. For added credibility, consider getting a Canadian phone number using apps like TextMe or Dingtone to communicate with recruiters. 3. Prepare for Driving in Canada If you have over two years of driving experience in your home country, bring a driver’s license extract. This document can help you fast-track the process of obtaining a full Canadian driver’s license, especially in provinces like Ontario. Without this, you may need to go through multiple levels of licensing. 4. Obtain Your Social Insurance Number (SIN) A SIN is essential for employment, tax filing, and accessing government services. Visit a Service Canada office with your port and immigration documents (e.g., COPR, study permit, or work permit) to . Protect your SIN, sharing it only when absolutely necessary, such as with employers or for tax purposes. 5. Get a Canadian Phone Number Research mobile service providers to find the best coverage and rates in your area. Many offer newcomer promotions. Prepaid plans are a good starting point if you’re unsure about your usage needs. 6. Open a Bank and Get a Credit Card Visit a bank to open an — you’ll need your SIN, port, and immigration documents. Take advantage of newcomer programs that offer fee-free s or credit cards with beginner-friendly limits. A credit card is crucial for building your Canadian credit score. 7. Apply for Your Health Insurance Card Health insurance eligibility varies by province. Permanent residents should visit the appropriate office (e.g., Service Ontario for OHIP) with their immigration documents to . If you’re a student, check with your school for alternative health insurance coverage. 8. Obtain a Transit Card Public transportation is vital for getting around. In Ontario, for instance, purchase a Presto card from Shoppers Drug Mart and load it for use on buses, trains, and subways. Students often qualify for discounts, so inquire about eligibility. 9. Visit a Newcomer Center Newcomer centers provide invaluable resources to help you integrate into Canadian society. They offer services like résumé building, job search assistance, and workplace culture training. These services are often free, so take full advantage of them. 10. Explore and Integrate into Your Community Don’t forget to have fun! Discover local activities, visit libraries, and attend community events to meet new people and learn more about your surroundings. Building connections early can help you feel at home faster. Final Thoughts Canada is a land of opportunities, and following these steps can set you up for success. From securing essential documents to exploring your new environment, each task plays a role in helping you adapt and thrive in your new home. Welcome to Canada, and best of luck as you start this exciting journey! Watch this for more details — https://www.youtube.com/watch?v=yfjUNHWxyu0 |
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Canada has long been a top destination for immigrants seeking better opportunities, quality of life, and a chance to start afresh. But as we approach 2025, many ask — “is it still worth it to pack your life and move to Canada?” The answer isn’t straightforward and largely depends on your unique circumstances and motivations. Here, I’ll break down the key factors you should consider, share insights from my own immigration journey, and help you decide if Canada is the right move for you. Know Your Why Migration is a deeply personal decision. Before taking the plunge, you need to ask yourself why you want to move. Is it for better job opportunities? A brighter future for your children? Or perhaps it’s a lifelong dream or answered prayer? Whatever your reason, clarity is crucial. For me and my family, moving to Canada was about seeking change and growth. We felt stuck in our careers back home and wanted to give our children better opportunities. However, it’s important to note that migration isn’t for everyone. Statistics show that many immigrants return to their home countries within the first five years because they find the transition too challenging or the reality doesn’t meet their expectations. Evaluate Your Current Situation Before making a decision, take a hard look at your current circumstances: Financial Stability: If you’re financially secure and have a good job, moving to Canada purely for financial gain might not be the best choice. Canada’s cost of living and housing market have skyrocketed in recent years, and finding financial stability as a newcomer can be tough. [i]Career Prospects: [/i]Do your research on Canada’s job market, especially in your industry. If possible, visit the country beforehand to gauge opportunities and see if the career-change you’re hoping for is realistic. Prepare for the Challenges Migration is a bold step, but it comes with many peculiar challenges. In Canada, you might need to take a lower-level job than you had in your home country due to the infamous “Canadian experience” requirement. Healthcare wait times, high housing costs, and adapting to a new culture are also hurdles many immigrants face. However, resilience is the hallmark of immigrants. Starting over isn’t easy, but many have found success through hard work and determination. The key is managing your expectations and being prepared to put in the effort. Consider the Climate Canada’s weather can be a major adjustment, especially if you’re coming from a tropical region. Some provinces, like British Columbia, have milder climates, but others experience harsh winters. If you’re not a fan of the cold, research carefully and choose your location (city/ province to live in) wisely. Think About Your Kids Many people move to Canada for their children, hoping to provide them with better opportunities. While Canada offers quality education, public schools may not always meet your expectations if you’re looking for a highly rigorous curriculum. Be prepared to supplement your children’s education with additional resources or consider private schools if necessary. Choose the Right Pathway If you’re considering moving to Canada, aim for permanent residency. Temporary pathways, such as studying, have become increasingly challenging due to policy changes. While it’s still possible to succeed as a student, coming in as a permanent resident gives you a more stable starting point. Final Thoughts Ultimately, moving to Canada is a personal decision that depends on your unique goals and circumstances. If you’re doing well in your home country, it might be worth waiting until the global economy stabilizes or visiting Canada first to explore your options. If you decide to move, prepare for the challenges and be ready to start fresh. For my family, moving to Canada has been worth it. Despite the hurdles, we’re grateful for the opportunities we’ve had here. Whatever you decide, make sure it’s an informed choice that aligns with your long-term goals. Check out my YouTube video on this topic — https://www.youtube.com/watch?v=uuXoj-k89PQ?si=iF5xIjO6emsjo5Hs What’s your “why” for considering Canada? Share your thoughts/ questions in the comments. , migration is a journey, not a destination, and the key to success is preparation and perseverance. |
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A surprising trend has emerged in recent years: people are leaving Canada at rates not seen in decades. Once heralded as a beacon of opportunity and quality of life, the reality of living in Canada has become increasingly challenging for many, especially immigrants. Here’s why. The High Cost of Settling in Canada For immigrants, settling in Canada can be daunting. The cost of housing is a major hurdle, with rental prices soaring to record highs. In cities like Toronto, a one-bedroom apartment can cost upwards of $2,600 per month. On top of that, landlords often demand credit scores and references, making it difficult for newcomers to secure housing. Job hunting is another significant challenge. Many employers require “Canadian experience,” leaving skilled immigrants in a catch-22: how can they gain local experience if no one will hire them? The barriers are even steeper for those in regulated professions like medicine, law, and engineering. Despite Canada’s need for skilled professionals, the path to accreditation is lengthy and expensive, forcing many to abandon their careers or leave the country altogether. The Rising Cost of Living Inflation is hitting Canadians hard. Groceries, rent, and everyday necessities have become increasingly unaffordable. A family’s grocery bill has nearly doubled since 2021, and even high-income earners struggle to make ends meet. Rent for a two-bedroom apartment in major cities can consume over 60% of a household’s income. Although the government has introduced measures like rebates, these initiatives fall short of addressing the systemic issues driving up costs. Many people are left wondering if the sacrifices of leaving their home country to live in Canada are worth it. A Broken Healthcare System Canada’s universal healthcare system, often celebrated globally, is under immense strain. Long wait times for surgeries and emergency care have left many Canadians frustrated and seeking alternatives. Immigrants, including highly qualified doctors, face years of bureaucratic red tape to gain licenses to practice in Canada, further exacerbating healthcare shortages. Isolation and Mental Health Challenges Canada’s vast geography and individualistic culture can make it difficult to form close-knit communities. Many newcomers experience loneliness, especially when family and friends live hours away. Harsh winters and limited social interaction contribute to feelings of boredom and depression. Why Some People Are Leaving For those with options, the United States offers a compelling alternative. Higher wages, lower taxes, and more opportunities make the move appealing. Others simply return to their home countries, disillusioned by the gap between Canada’s reputation and its realities. Final Thoughts While Canada remains an attractive destination for many, these challenges highlight the need for systemic change. If you’re considering moving to Canada, it’s essential to weigh the pros and cons carefully. For those already here, the decision to stay or leave is deeply personal. You can watch my video on this topic on Youtube — https://www.youtube.com/watch?v=vtPfpJcNLcU What’s your take on this issue? Share your thoughts in the comments to continue the conversation. |
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Don't be afraid. However, it is wise to come fully prepared. https://www.youtube.com/watch?v=DnnHAbvPM_4 callmeRichie: 2 Likes |
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I made a video about Canadian cities with the highest and lowest monthly rent. Watch here -- https://www.youtube.com/watch?v=UcdVCCQoNUo 2 Likes |
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I don't think anyone can guess how much your car insurance will cost. This is because there are just too many variables they consider in calculating your . Location, type/age of car, driver's licence level, driver's age/gender/marital status etc. Read this https://www.forbes.com/advisor/ca/car-insurance/ontario-car-insurance-rates-up-12-percent-2023/ Lordfiido:
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Summer days
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See ehn. It takes some strength, regular stops, music, gisting and coffee.
ednut1: |
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Summer is here, it's the best time to go on a road trip and to experience the beauty of this country we've come to call home. My friends and I took a 2600KM 2-day drive from Toronto to Regina few weeks ago. Here's a video about the trip. https://www.youtube.com/watch?v=bnIPztuIgEs 5 Likes |
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Hmmm. There was a caught. It didn't sound well to me when I read it too. What question/post was that responding to tho? They just created a profile and dropped a post.
aestake: 1 Like |
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Oshawa, ON. Search on Kijiji.ca to see prices.
Mariojane: |
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I really appreciate the fact that you included the exceptions to the rule in your response.
seunpinky: |
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Everything you need to send is stated in the PPR instructions. Canadahome: |
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Have you checked for yourself on the government's website? All the info you need is there. https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview.html ExcellencyFSA: 1 Like |
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I suggest you visit their websites to see what big banks offer. Compare and decide on one. Make sure to take note of the fine print at the bottom, as these newcomer offers often come with conditions.
thesailorman: 1 Like |
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Options: a very good shovel (wide, high, with wheels), electric snowblower, or heated driveway (lol). I'll wait for more experienced Canadians to chime in. However, I know that clearing the snow ASAP and salting your driveway before snowfall helps. muymacho: 1 Like |
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The basement in this video is available for rent - move in February 1, 2024. 1-bed/ 1-bath basement apartment - ideal for a student, single person, or a couple. New building, located near grocery stores, transit, and in a choice area in North Oshawa, ON. $1600 + utilities 30% - shared with occupants on the upper level. Serious enquiries only, please. Send a DM for further details. miolad20: |
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Yes, you can inasmuch as the experience meets the requirements. See under "Skilled work experience" -https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/eligibility/federal-skilled-workers.html and under "Proof of work experience" - https://www.canada.ca/en/immigration-refugees-citizenship/corporate/publications-manuals/operational-bulletins-manuals/permanent-residence/express-entry/applications-received-on-after-january-1-2016-completeness-check.html Cannybaby2024: 1 Like |
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Check the government's website for guide on POF, under "What we accept as proof" https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/documents/proof-funds.html CrystalMax: |
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Yes, put it together, we go watch am. Afolavid: |
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LMAO, when you guys (Alberta) called? Ads all over Toronto subway and buses. AirBay: 4 Likes |
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No time and resources, but they have millions to pay agent. Okay o. Our people never learn sha. Research and DIY that they will still do when/if they eventually land here to survive. Voltron007: |
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Normal routine for Canadians especially between fall 🍂 and spring 🌱.
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New favourite photos shot by me! 1. Niagara Speedway, a go-kart track in Niagara Falls, ON. That's the Skylon Tower in the background. It's a mini CN Tower 😂 2. CN Tower from the front of Delta Hotel, Down Town Toronto, ON. 8 Likes |
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In Naija, I used to visit the barber every other week as my hair grows fast and I had to always look sharp for work. However, when I got to Canada and saw the cost of a haircut - I learned to trim my hair and beard myself. I only go to the barbershop as needed now. Paying $40-$50 (+tip) regularly is crazy. Viking07: |
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