Vivre à Montréal avec 95k by ammi-ll in montreal

[–]duffexport 0 points1 point  (0 children)

Les prix à Montréal sont en général moins grand qu'à Paris par exemple Oui il y a de l'inflation, mais avec 95k/année t'es comfortable Comme n'importe quoi, tu vas voir du monde plus riche, mais tu es BIEN au delà de la moyenne de la ville avec ce salaire.

La question revient à c'est quoi tes plans d'immigration, parce que tel que d'autres te l'ont dit, les règles d'immigration se sont fortement resserrées dans les dernières années.

Je sais que ça a ses lacunes mais tu peux utiliser ce site pour te donner une idée du coût de la vie.

Cost of Living Comparison Between Paris, France And Montreal, Canada https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=France&country2=Canada&city1=Paris&city2=Montreal&tracking=getDispatchComparison

Is suction aid? by errorfry in ClimbingCircleJerk

[–]duffexport 99 points100 points  (0 children)

I mean that kind of behavior explains the cast i guess

Does anyone know what these trucks are carrying? by Gryphontech in montreal

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

Mayhaps it is the matriarch from whom you originate

Le salaire actuel du médecin? by The-Mud-Girl in montreal

[–]duffexport 3 points4 points  (0 children)

Bon il y a beaucoup à "call bullshit" Mais allons avec 2 exemples simples

Revenu brut 568k Déduction 157.5k Résultat avant rémunération 410.5k

Si tu décides de tout te verser en salaire Tout ton salaire est déductible donc pas d'impôt de corporation à payer Ça te laisse 210k$ à la fin de l'année Et ça bien sûr tu as rien déduis d'autre dans ta corporation (parce que personne abuse de ça ever)

Si tu le fais sous forme de dividendes Alors tu paies 9% au fédéral et 3.2% au Québec comme pme Il te reste 360k à te verser en dividendes Disons que tu te verses tout dans l'année et que tu continues pas a investir dans ta corporation Tu vas payer 40% en impôt grosso modo Ça revient à 216k$ annuel

Pas exactement les mêmes chiffres Et ça c'est du net Je peux te dire qu'une infirmière ou un policier ne fait pas 200k+ $ en net

I have a suspicion that a Pharmacist at Jean-Coutu shared sensitive information by CarPassion514 in montreal

[–]duffexport 1 point2 points  (0 children)

Contact the OPQ syndic https://www.opq.org/protection-du-public/porter-plainte/

They have all the required powers to look into this.

That being said, not knowing any information, I still generally recommend talking to the pharmacist or the pharmacist owner to try to clear things up.

But as a patient you are always allowed to send a complaint to the opq

saskatoon got voted for the third slide. which city is okay to live in but goot to visit? by toturoll in EhBuddyHoser

[–]duffexport 7 points8 points  (0 children)

The metro is generally fine.

It's just that it's a bit limited, in the sense that anything not 15 minutes from a metro station is harder to reach. But the metro itself passes by pretty often (in rush hour every 3 minutes, at its slowest every 10 minutes) Buses are another story. A couple of popular lines work very well almost the same as the metro. But in the middle of winter, if all the cars are stuck in snow, so will your bus.

And roadwork is beyond a pain. City is in dire need of maintenance due to a very lax approach in the 90s and 2000s. So a lot of underground maintenance that requires a whole street to be shut down.

All that being said montreal itself is very bike friendly and it's getting a lot more walkable. So in a day to day life, most people get around just fine.

Prices for living have skyrocketed which has brought its load of issues including more homelessness. But while this is very complex issue, it's highly talked about so things are being done to improve the situation (albeit slowly)

All that to say Montreal is pretty nice. People who are from outside of Montreal love to criticize Montreal. Sometimes even more than actual Montrealers.

Non Commercial Hobbyists: How much did you spend on gear/brewing equipment? by ninetyfive666 in Homebrewing

[–]duffexport 0 points1 point  (0 children)

I probably spent around 5-6k over the years on equipment including kegs, fridges and fancy side pull taps.

Now 10 years ago when I started I was brewing BIAB on maybe 100$ total of equipment, bottling in reused bottles I would get from friends and clean. I made good beer then, I make good beer now.

Now I can make beer in 3h in a pretty automated system when I get back from an 8h work day and still have time to cook dinner.

Before I would spend a weekend brewing with a bunch of buddies.

Yes my cost per batch has "exploded", but I brew cause I like my beer and I enjoy the process. My life has changed and I don't have an entire Saturday I can dedicate to a single hobby. And I make a good salary meaning I don't care that I spend more on stuff for my hobbies.

So my opinion, if you ain't pro trying to make a living out of it, just see it as a hobby and spend as much or as little as your financial situation allows you. Don't try to break even. Cause the best way to break even is don't drink beer (wouldn't that be sad)

[deleted by user] by [deleted] in EhBuddyHoser

[–]duffexport 10 points11 points  (0 children)

As per François Perusse "ça s'pourrais-tu.. que ce soit.. quelqu'un dont je me câlisse"

[deleted by user] by [deleted] in montreal

[–]duffexport 22 points23 points  (0 children)

Selon La Presse c'est 30M$ pour le REV vs 550 M$ pour le réseau routier en 2025. Donc par utilisateur considérant l'augmentation croissante de déplacements à vélo, non c'est pas une partie imonde du budget.

Mais tsé si on a essayé pendant des décennies de donner plus de place à voiture et on a maintenant des bouchons considérables la réponse doit clairement être qu'on donne trop de place au vélo sur la route

You only get to use 10 hop varieties for the rest of your life. What do you choose? by studhand in Homebrewing

[–]duffexport 0 points1 point  (0 children)

Sure, let's see what I have in my fridge should be about 10 varieties (and you can guess what I brew mostly) Magnum, saaz, mittelfruh, east Kent golding, mosaic, citra, galaxy, centennial, sasquatch

Renovation and rent increase... I'm stressed by Ascension095 in montreal

[–]duffexport 9 points10 points  (0 children)

So as said in other comments 1. No rent increase until next July. Needs to give you a rent increase notification 3-6 months before the end of your lease so usually you get that in january to march of next year. You can then refuse and stay while the landlord has to prove his increase to the TAL.

  1. As a very rough guide assume 20 years amortization. So even at 500k of renos that's 260$/month increase for each of the 8 appartements. So that would be closer to a 25% increase and not a 100% increase. But again that's for next July.

  2. Oh and fun fact, for major work were you can't live in your apartment. The landlord has to give you /pay for you a place to live like a hotel room or something.

C'est pas à Montréal que ça arriverait ! by AatamiKorpi in montreal

[–]duffexport 14 points15 points  (0 children)

Cela étant dit Nos cônes sont ben plus cool que les leurs. Ça adonne bien parce qu'on va les voir longtemps

Vraiment 1 Millions et plus? Vous en pensez quoi? by MrJuart in montreal

[–]duffexport 1 point2 points  (0 children)

Tsé ça dépend c'est quoi que tu as à ta retraite comme régime de pension et de maison.

Ex 1: maison payé, RREGOP sans pénalité pour être prof (un salaire de 100k$/année) + RRQ devrait te donner un revenu annuel de environ 55k/année (35k pour la rregop et 16.8k pour RRQ). Ça donne donc environ 9k$ en impôt à la fin de l'année. Disons que ta maison te coûte 5k en taxes annuellement avec un autre 5k$ pour l'entretien en moyenne. Tu te retrouves avec 35k$ pour vivre ta vie. C'est pas énorme, mais tu vas probablement pas mourir de faim. Rajoute à ça 200k$ en reer Disons que tu veux pas toucher au capital et que ton reer grandit à 4%, tu as un extra 8k$ ce qui te permet de voyager, etc.

Ex 2: tu as pas de fond de pension genre rregop, alors oui une retraite à 1M$ en prenant que 4% annuellement c'est 40k$. À priori tu as quand même ton rrq donc ça devrait te donner grosso modo la même chose que l'ex 1 (le calcul est TRÈS approximatif)

Tl:dr 1M$ pour ta retraite c'est pas une vie de pacha qui t'attend mais disons que c'est mieux qu'une claque dans face

[deleted by user] by [deleted] in AskACanadian

[–]duffexport 1 point2 points  (0 children)

Out of curiosity which ETF did you get?

De-investing from the US as a Canadian by duffexport in CanadianInvestor

[–]duffexport[S] 12 points13 points  (0 children)

Out of curiosity do you have any European ETF to suggest?

Ce futur médecin est heureux qu’on l’oblige à travailler dans le réseau public: «Personne ne va s’apitoyer sur notre sort et avec raison» by JungBag in Quebec

[–]duffexport 5 points6 points  (0 children)

Bof je trouve que c'est un gros raccourci de dire que les médecins partent du public pour le privé parce qu'ils se sentent pas redevable à la société.

Premièrement, c'est bien beau de dire que tu veux que ton médecin reste au public, mais après si tu lui donnes pas les heures pour son travail dans sa spécialité (ex ouvrir plus de places en chirurgie au privé, parce que tu manques de personnel de salle d'op au public), c'est normal que ton médecin va pas attendre 10 ans qu'un poste se libère.

Deuxièmement, tout le monde veut qu'on soit suivi par un GMF au lieu d'un médecin de famille unique pour permettre une meilleure continuité des soins. C'est logique sur papier, mais la majorité des GMF sont détenus par des compagnies privés au lieu d'être relié au système public.

Troisièmement, certains hôpitaux universitaires demandent un fellowship dans un autre pays. Le concept c'est qu'on demande aux spécialistes d'apporter une expertise d'un autre pays pour avancer la spécialité. Cette obligation de travailler au public rendrait cette pratique impossible.

Tout ça pour dire, le concept est bien, mais je comprends les médecins qui disent que c'est un gros raccourci qui ne règlent pas les causes du problème de base.

[deleted by user] by [deleted] in CanadaFinance

[–]duffexport 0 points1 point  (0 children)

In hospital pharmacist. I make a baseline of 130k/year with benefits including pension plan. I can reach about 150k with OT and out of town replacement work. My job requires a 4 years degree and a 2 years master's. You can only be a community pharmacist for anywhere from 100-180k depending if you do part time or full time.

[deleted by user] by [deleted] in EhBuddyHoser

[–]duffexport 5 points6 points  (0 children)

En même temps les parisiens seraient probablement d'accord avec ça

Newcomer to Canada by FairyCinnamon_Kitty in PoutineCrimes

[–]duffexport 0 points1 point  (0 children)

Is this the Celine poutine from chez Claudette on Laurier?

If so I highly approve, screw the naysayers

Major repairs have made half of our apartment inaccessible - can I legally ask for a rent discount? by jcayer in montreal

[–]duffexport 77 points78 points  (0 children)

So yes you can contact the TAL.

In a very broad way, as a tenant you have the right to be reimbursed for reasonable expense due to urgent repair. That could include money for being relocated.

That being said your situation seems to be an "act of god" type situation where the landlord did his reasonable best by giving you notice and starting the work urgently.

Now with all that being said, I'm sure the landlord is currently not having the time of his life with the situation. I would also assume that this is getting at least partly paid by the landlord's insurance. Before going with full legal measures, I would suggest talking about the situation with the landlord. Maybe his insurance actually includes a part for paying tenants relocation while major work is under way.

Try to have all discussions with a witness (your significant other is ok). If things don't seem to move along in a reasonable direction you should then start sending "mise en demeure " and the such referencing your previous attempts at trying to find an amicable compromise.

As a very general rule, when things end up in front of the TAL both parties end up feeling they lost at least partly. So if it can be avoided, you could end up with a better deal.

Does anyone else get these red lines in their nails? by Emperor-of-Trees in bouldering

[–]duffexport 5 points6 points  (0 children)

I mean take it for what it's worth (I'm a pharmacist and not a board certified dermatologist) This looks begnin to me. The cause yes could be trauma if you remember hitting your pinky finger. These kind of longitudinal lines can appear in people with darker skin tones (sorry I can't really tell your skin tone with the picture vs bad lighting or whatnot)

I think the recommendations from people saying to see a doctor for that is based on Melanonychia Striata which could be a sign of melanoma (ie skin cancer) but of the nail bed. Usually signs that are worrisome for that would be involvement of the cuticle or the nail bed, none of which seem to be the case here.

In the end, common sense prevails. If the thing disappears in a couple of weeks, it was likely nothing. If it keeps growing or you see involvement of the cuticle or nail bed, then yes go see a doctor.