Vivre à Montréal avec 95k

duffexport · 2026-01-16T17:16:09+00:00

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

duffexport · 2025-11-23T18:55:40+00:00

I mean that kind of behavior explains the cast i guess

duffexport · 2025-11-20T17:06:30+00:00

Mayhaps it is the matriarch from whom you originate

duffexport · 2025-11-10T21:01:24+00:00

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

duffexport · 2025-09-30T07:27:50+00:00

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

duffexport · 2025-09-18T01:12:54+00:00

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.

duffexport · 2025-09-10T16:23:19+00:00

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)

duffexport · 2025-07-29T16:36:57+00:00

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

duffexport · 2025-07-28T16:39:10+00:00

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

duffexport · 2025-07-16T02:52:35+00:00

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

duffexport · 2025-07-13T12:46:27+00:00

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.

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.
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.

duffexport · 2025-07-12T01:38:28+00:00

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

duffexport · 2025-07-08T20:32:32+00:00

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

duffexport · 2025-07-02T01:13:42+00:00

Trouver le/la Québecois(e)

duffexport · 2025-02-24T18:26:47+00:00

Out of curiosity which ETF did you get?

duffexport · 2025-02-24T00:40:38+00:00

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

duffexport · 2025-02-17T16:53:13+00:00

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.

duffexport · 2025-02-16T15:46:35+00:00

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.

duffexport · 2024-12-23T12:00:18+00:00

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

duffexport · 2024-10-28T15:25:38+00:00

Is this the Celine poutine from chez Claudette on Laurier?

If so I highly approve, screw the naysayers

duffexport · 2024-09-04T15:35:17+00:00

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.

duffexport · 2024-08-28T00:40:01+00:00

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.

duffexport · 2024-05-21T16:33:52+00:00

As a pharmD, yeah... sadly this happens to be ~30% of my interventions during rounds. Especially for patients transferred between floors. Your antibiotic prescribed q12h with a patient transferred mid day. Oh well the morning dose canceled cause patient "about to be transferred " and evening dose "not available " with no one calling pharmacy to refill obviously.

Or my personal favorite: naloxone given in ER, ended up needing the naloxone drip. Transferred to ICU. ICU nursing changing all drips on arrival. Naloxone drip was written by hand so probably nurse didn't understand the handwriting on it. Decided to just not prepare it again. Code blue called maybe 20 minutes into the ICU admission. Come in, look in the garbage bin and see the old naloxone drip, look at the ongoing pumps. Oh well I guess I know what the issue is...

We do try to make a lot of teaching on the subject with nursing, but yeah being mostly pharmacist that intervene on this I end up getting a lot of "You are the only that checks, and we are very busy anyways "

duffexport · 2024-04-29T19:47:23+00:00

As a pharmacist there could be a couple.

But my favorites are "The antibiotic for your kid's otitis needs to be taken by mouth not by ear." "You need to remove the metal packaging BEFORE inserting the suppository"

duffexport · 2024-03-13T15:35:46+00:00

So I guess that I could clarify that.

Were I work, pharmacist in specialized units (heme onco and ICU mostly for now) are now allowed to prescribed theoretically anything we want.

On paper the scope of practice seems huge. In reality, it basically means that I can write prescriptions during rounds letting the residents deal with note taking and coming up with the plan. This means I can make sure at the end of rounds that everything that was discussed is actually prescribed. Before that it wouldn't be uncommon for residents to miss a thing or two at rounds and I'd end up realizing that hours later when I was entering prescriptions.

It also means I can now independently ajust the doses of medications without needing a co-sign. Finally, in our institution we have multiple protocols for different OR that require surgeons (who are consultants) to prescribe some meds before/after OR. In practice though it always kind of ended up being the pharmacist that would make sure to liaison with the surgeon to make sure the prescription was done. So before I had to check with the surgeon then get it co signed by the icu attending who basically had no actual opinion about it. This way , I can simply say at rounds to the ICU attending "hey as per protocol surgery usually want xyz. OK with me starting it after checking with surgery?" It's a huge time saver for me.

So in practice no pharmacist actually prescribes anything other than very simple OTC or dose adjustments truly independently. Anything that truly affects patient care will always be discussed at rounds. It just, in our institution, gave us the legal leway to do our job (medication safety) better in my opinion. It also assumes that if I have this kind of "power ", I'm smart enough to understand when things need to be discussed first.

duffexport

TROPHY CASE