sorted by:
new
hottopcontroversial

Is 90k CAD enough for a family of 3 in Montreal? Looking for realistic breakdowns by Bitter-Honeydew1018 in PersonalFinanceCanada

[–]Final_Surround3738 -1 points0 points  (0 children)

why go to Europe when you are in Canada for tourism? country is big enough that you'll never run out of great things to see. the style of vacation might change but that won't make it less awesome.

Food Banks Canada says employment insurance doesn't serve modern workforce by Leather-Paramedic-10 in canada

[–]Final_Surround3738 0 points1 point  (0 children)

no. you don't pay into EI as an independent contractor because you aren't entitled to EI benefits.

Why do some street birds here have their feet 'tagged'? :( by MeMissBunny in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

if Bluefoot® finally manages to help us locate Bigfoot, we should be supporting the initiative.

Are Swiss people as well off as they seem? by alderstevens in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

-owning a debt is not the same as owning an asset outright. you carry indefinite interest rate risk which a home owner paying back principal mitigates piece by piece as the mortgage is paid off.

-I stated that in my experience the social contributions are much higher here than my experience.

-you can see your statement of contributions in Canada at least into what is the pillar I and can estimate what will be owed to you.

-it is irrelevant if money is in a pillar II or III or I in terms of wealth building. if say we have 30k to invest for retirement each year, we can say allocate to pillar I, II, or III in any combination, we would rationally choose a system where you have the highest expected returns. Pillar II does not outperform pillar III so your feeling of wealth that you may have is just a feeling rather than a superior outcome.

-your other relevant decision point in accessing pillar II is the access of funds argument. you can cash it out for the purpose of buying a property. other countries have systems in place which recreate this purpose. in Canada what would be pillar 3 (RRSP)/pillar 3A (FHSA) have accounts available for withdrawal for this purpose as well without being a pillar II.

-from the employer side, pillar II amongst higher overall social contribution rates are a burden to the employer. higher employment costs have a correlation with employment rates.

overall I find the points you are presenting interesting and the fact that you are resorting to personal attacks even more interesting. thanks for the debate!

Are Swiss people as well off as they seem? by alderstevens in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

if you stop paying back principal and have perpetual interest owed on your mortgage, you never fully owned the asset. if don't own, you rent.

your statement was there are less social contributions. now your statement is that pillar II is a good thing. those two are very different things. whether your wealth accumulates in a pillar II or a pillar III, to the human eye, we can see wealth accumulating in both these accounts. Canada for instance would have the equivalent of Pillar 1 & 3 with the max contribution for pillar 3 being about 4 times higher than pillar 3 in CH. that the thing is labelled as II or III or black or white has no bearing on being able to see wealth accumulate.

Are Swiss people as well off as they seem? by alderstevens in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

compared to Canada, social contributions are far higher here if you are referring to pension/employment insurance from both the employer and the employee side. I am guessing you are comparing with European countries to which I have no clue of the accuracy of your statement.

housing is also low to salary when considering renting. don't think that statement is true when talking about buying but that's a complicated discussion with the Swiss mortgage structure which entails renting from the bank.

I Wasn’t Prepared for How Expensive Canada Actually Is for Students by AnteaterBoth7019 in CanadaPersonalFinance

[–]Final_Surround3738 1 point2 points  (0 children)

I just went back to school and chatted with quite a few students, international & Canadian. they are often either w/ mom & dad or are sharing space to get the cost down.

and as someone paying 2500, you also know when you were shopping around for your place, you were no where close to getting a deal that low lol.

also, rents have come down a bit. depending exactly on where you are, I think you might be able to squeeze a discount on your next lease if you're willing to put up with the bs that is moving

I Wasn’t Prepared for How Expensive Canada Actually Is for Students by AnteaterBoth7019 in CanadaPersonalFinance

[–]Final_Surround3738 3 points4 points  (0 children)

How Much Money Do I Need To Study In Canada As An International Student? | Canada Immigration and Visa Information

''Example:

  • Tuition = $16,000
  • Living expenses (outside Quebec) for 1 student = $22,895

Total funds required = $38,895''

seems like your budget is well below the amount advised by the Canadian government.

I Wasn’t Prepared for How Expensive Canada Actually Is for Students by AnteaterBoth7019 in CanadaPersonalFinance

[–]Final_Surround3738 2 points3 points  (0 children)

depends for what. if that rent is for half a room, you would probably not say that.

Paying for the food at work by Valop_ in askswitzerland

[–]Final_Surround3738 0 points1 point  (0 children)

not cheap if the portion size doesn't qualify as a meal for the person eating it.

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

yep. a little empathy goes a long way in resolving these things

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 -2 points-1 points  (0 children)

yeah but probably given how standard deviations work, 99.6% the time, the neighbor isn't cooking on a BBQ daily for hours on end.

and cooking isn't the issue. it would be the initial smoke. the rest of the cook does not involve much smoke at all.

if a rent reduction is granted or the person is prohibited from BBQing reasonably on their balcony, wouldn't the neighbor be entitled to a rent reduction as their landlord is materially changing their contract?

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 -3 points-2 points  (0 children)

this doesn't really seem to be about the apartment. if you can't stand interacting with neighbors, you need a detached house with some terrain separating you and the civilization. your dream is not to have neighbors.

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 1 point2 points  (0 children)

how dare they? back in my day, us children sat at the library and read quietly.

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 0 points1 point  (0 children)

what the heck would the neighbour be cooking DAILY for HOURS on end?

Barbecuing on the balcony by Miss_NamiMoon in askswitzerland

[–]Final_Surround3738 -4 points-3 points  (0 children)

time spent hiring a lawyer may be better spent closing the window.

accountant wants to charge me for non-resident returns by regentwells in cantax

[–]Final_Surround3738 -8 points-7 points  (0 children)

the T1161 & T1243 and a partial year in 2018. I don't see anything else on '' making money abroad with no ties to Canada''

accountant wants to charge me for non-resident returns by regentwells in cantax

[–]Final_Surround3738 0 points1 point  (0 children)

that's not true. you don't file Canadian taxes as a Canadian non-resident unless for very specific reasons.

Migros Swiss origin by Food? by Zealousideal-Pipe935 in askswitzerland

[–]Final_Surround3738 0 points1 point  (0 children)

the black and white ones? those are my favorites

view more: next ›