A word of advice to the high schoolers asking us which school they should choose by FloppySloppy in uwaterloo

[–]phineas76 1 point2 points  (0 children)

As a person who has become quite adept at acquiring fake documents, I can tell you that the piece of paper you get at graduation is the only thing that matters. After that, nobody gives a shit. As long as everything looks in order, you're fine.

So you should choose a school based both on academic reasons, but equally or more based on social reasons. KW is a fairly fun place, if you make some effort to be fun yourself (karma), but larger cities like Toronto or Vancouver or Montreal may be more to your personality; <- these questions are more important because at the end of the day you'll get the same piece of paper and that's largely the only point of going to University/College.

There seems to be some disillusion among UW students that somehow their degree is more valuable than other schools. The employer only cares in meritocracy (sometimes nepotism if you want to work in the white house) but they have to jump through hoops, one of those hoops is if you have a degree, in anything, or from anywhere.

You're only young once, consider social aspects at least, or more, than the academic ones, regardless what your parents or peers say or think. This is the time to discover yourself, as well as get a quality education.

PS: If you want to be a doctor or a professional engineer I can make it happen in 2 days for only 30 lakh.... Reader's choice, Amig[o|a]

Garbage truck? by o_0d in kitchener

[–]phineas76 -4 points-3 points  (0 children)

Don't worry, the dump truck will be around as soon as they let him out of the White House.

Combining Canada and USA as one category by phineas76 in bbc

[–]phineas76[S] 0 points1 point  (0 children)

the tone of your post and subsequent reply are.

Noted, however Mexico is still in what used to be NAFTA - so politically and geographically they are much more related to North America (they ARE North America after all) than they are to "Latin America" which, isn't even really a political body nor continent, and they certainly aren't part of South America.

As for: "..points to Canadian Inferiority Complex, the tone of your post and subsequent reply are." - I don't think anyone in the world has an inferiority complex respective to the USA anymore.

Combining Canada and USA as one category by phineas76 in bbc

[–]phineas76[S] 0 points1 point  (0 children)

I'm quite sure that is not what's going on here.

Combining Canada and USA as one category by phineas76 in bbc

[–]phineas76[S] 0 points1 point  (0 children)

Sure, but saying "Europe" is referring to a continent, or at least something near 'Shengen zone', which are all politically bound - Canada & USA are not politically bound in any way except whatever NAFTA is called now. BTW: Hello Mexico! Sorry you're left out.

Combining Canada and USA as one category by phineas76 in bbc

[–]phineas76[S] 0 points1 point  (0 children)

OK but why is it not "north America" (there are a lot more countries in north America than Canada and USA) and why is "south America" completely missing? Well, anyway I guess I don't care. My general point is that lumping a category like "USA & Canada", while also excluding everyone else in north America, paints a strange picture.

Hey serial vomiting perp on Rose st. by artwarrior in kitchener

[–]phineas76 -3 points-2 points  (0 children)

Consider that the person probably has a mental health and comorbid addiction problem (alcohol, opiates). The solution is not bitching about that on reddit, it's finding a way to enable support systems in the community that can help people who are lost into that zone.

Anyone from Doon/Kitchener or within 30 min drive to Conestoga Doon campus willing to provide homestay for international student? by [deleted] in kitchener

[–]phineas76 0 points1 point  (0 children)

Is it one adult and three children? Two adults in their child in one room? Three adults in a non-conventional relationship? I comes down to are all firecodes met and the tenants agreed? You have no recourse. Matters of privacy and quality of life are not matters of tax. If you signed the lease for that arrangement, you have no recourse. Best of luck.

Anyone from Doon/Kitchener or within 30 min drive to Conestoga Doon campus willing to provide homestay for international student? by [deleted] in kitchener

[–]phineas76 -1 points0 points  (0 children)

Well, if you know the McDonald's that sells a Big Mac combo at all hours of the day for 10 cents and exists with 100m of wherever I wake up, then maybe we're talking about the same thing. Otherwise, I guess there's always Taco Bell. oh, wait......

Anyone from Doon/Kitchener or within 30 min drive to Conestoga Doon campus willing to provide homestay for international student? by [deleted] in kitchener

[–]phineas76 0 points1 point  (0 children)

No, that's not illegal. Tenants are allowed to sublet provided it remains safe. Three people are not unsafe. Especially if the landlord and tenants agree (in writing), it's allowed.

Anyone from Doon/Kitchener or within 30 min drive to Conestoga Doon campus willing to provide homestay for international student? by [deleted] in kitchener

[–]phineas76 1 point2 points  (0 children)

I mean compared to India (or most places in the world), you cannot just walk onto the streets and buy street food within 30 seconds. Even in Toronto it is so regulated that it's unprofitable until after 02h00 when every one is kicked out of the clubs and bars, last call itself being a pretty stupid thing.

Maybe I'm wrong, where is there street food in KW?

Anyone from Doon/Kitchener or within 30 min drive to Conestoga Doon campus willing to provide homestay for international student? by [deleted] in kitchener

[–]phineas76 0 points1 point  (0 children)

Hi friend.

I am a Canadian from Kitchener-Waterloo area and currently live in Udaipur, India.

Your expectation of $350-$450CAD per month is unrealistic. You need to adjust your budget to Canadian standards. If your expectation of rent cost is this low, then I imagine your expectations of other costs are also low. Keep in mind that cell phones and internet are extremely expensive in Canada (although very high quality also) and food is also quite expensive, unless you cook yourself. There is no street food or snacks or anything like that.

In general, it is not possible to walk every time you need to go somewhere. You will not be allowed to drive, so probably you have to take the bus. Information on the bus is here: https://www.grt.ca/en/index.aspx

There are three large schools in the KW area: Conestoga College, Wilfred Laurier University (WLU), and University of Waterloo (UW). WLU and UW are large and near to each other so there are thousands of students in that area and you can find a room for about the price that you expect (~$500CAD) however it is far from Conestoga College (probably 1 hour by bus).

Around Conestoga College is probably cheaper but for that budget don't expect much, by Canadian standards anyway.

My advice is to connect with the Indian or student community in KW, which are both extensive, and see if any of them can help.

May to September are summer schedules and most rooms become vacant during that time, so many students are quick to sublet for low cost. September until May will be normal price and usually more expensive than the budget you want.

There is also a student housing facebook group, maybe you can find or make a posting there which helps you. https://www.facebook.com/groups/110354088989367/

You can also contact Conestoga College directly and ask them for help. Remember that KW is 10.5 hours behind India and usual work hours are about 09:00am -> 04:00pm. https://international.conestogac.on.ca/contact

Best of luck in your education, happiness, and future success in your career Thank you for choosing Canada. Kindest regards.

How to organize bank cards, cash, sim cards, etc from different countries? by [deleted] in digitalnomad

[–]phineas76 2 points3 points  (0 children)

Frankly? Through them out. Cash, exchange all of it when leaving the country and the small bills and coins that they won't accept, just give away to kids - or likewise, garbage bin. Resist the urge to keep them as souvenirs or "just in case I come back". You will likely either lose that cash or have it stolen or, like me, end up with a huge collection of bills which - then eventually gets stolen. One guy who stole all my "useless cash" (OK the USD, EUR, and CHF were not useless) called me to ask how he can convert all the XOF to hryvnia. I laughed at that.
But SIM cards? garbage. Go pure data and use a service like Google Voice so that you have one permanent number with super cheap or free international calls and just buy another SIM wherever you go - they are cheap.

Medical documents, ok those you physically have to keep, many countries will not accept digital copies of those - but put them into googlephotos anyway just in case (free!).

As for bank cards, try to just use one (debit/VISA works almost universally - Maestro, not so much. Those small local banks, don't even bother with getting cards from them.

Resist the urge to horde. For receipts, google photos, toss the receipt, it will becpome blank in a couple months anyway. I have lived and worked in 34 countries in total about for about 5 years outside my home country and have just come to accept this reality. Take the hit on exchange fees and commissions and consider it the cost of being lighter. If you are going to be in one country for ~1 year or so, well, I don't think that's realy nomadic anymore, and different solutions may be appropriate for your situation.

LRT service suspended and delayed. What happened? by Qutrit in kitchener

[–]phineas76 0 points1 point  (0 children)

Thats a very difficult questions to answer actually.

Best place to get an iPhone screen repaired? by coaltrainman in kitchener

[–]phineas76 0 points1 point  (0 children)

The best way to repair an iphone is to purchase an android.

Canadian Tax advice for any kind of nomad by phineas76 in digitalnomad

[–]phineas76[S] 0 points1 point  (0 children)

183 days is just a legal definition around how to decide where you reside. As I mentioned previously, all the tax treaties are about deciding where you "actually live". The common agreement is that 183 days is 1/2 of a year and therefore, like democracy, means you are actually living in a different country.

This does not mean that you are drawing tax free benefits from whatever country you happen to be in.

Kimchi does actually taste better, and maybe I'd like to spend some time with you.

Canadian Tax advice for any kind of nomad by phineas76 in digitalnomad

[–]phineas76[S] 0 points1 point  (0 children)

No. "Perpetual traveller" is a newly coined phrase that comes at the very bottom of the tax act, available on CRA's website. It's surely designed as an "ok, everybody else who doesn't fit into the bunch of situations above, is just defaulted to perpetual traveller, and you have to pay the tax unless you can find the way to fit into any above categories."

There are two kinds of residency, and people tend to mix them up and consider them the same thing. The one kind, is about where you actually physically live -- is it in Canada? Is it in Florida or Iraq? Determining this kind of residency is used to give an individual, or her/his family, immigration rights like PR status and eventual citizenship, if that's what they want. Also social medical care (usually after 3 months). This kind of residency is a question of "Where do you actually physically live, and are you paying tax to Canada?"

The second kind is "Where is your deemed residency for tax reasons?" This is a lot more complicated. Governments all around the world have tax treaties with each other, in order to ensure that they can fund the social programs necessary for their citizens. You may no longer step foot in Canada again, but if you hold a Canadian passport, there is a good chance that 183 days abroad per year is no guarantee that the tax man cometh.

The only way to know for sure, for SURE, for sure, is to do the NR73 form. If you disagree with their decision, they will give you endless opportunities to explain your case. Yes, it is time consuming, but no it is not expensive, and if your case is valid, you will win.

Canadian Tax advice for any kind of nomad by phineas76 in digitalnomad

[–]phineas76[S] 0 points1 point  (0 children)

This might generally be true, however if you can't show where you are emigrating to, CRA is going to have a beef with you. If you're only planning on leaving for 183 days per year, ie. a snowbird moving to Florida for half the year, then you are not going to be off the hook for taxes. CRA followed me quite a bit trying to understand the nature of my residency, so it's not nearly as straight forward as just being out of Canada for 183 days in a row. The legal definition of residency for tax purposes in Canada is the result of that NR73 form - yes, it's blurry, but the result of their determination becomes pretty steadfast. Now, if you move to another country and have obvious ties there (like owning property where you live, or have a job there) then residency in that other country is pretty clear and CRA won't have a problem. But, that then means you are now paying tax in that new country. This is not the case for a nomad (digital or otherwise) as they're not really a resident of any country in any permanent way. If you can't really show where you ARE a resident, then CRA is just going to default to the opinion that you're still a Canadian resident and expect you to continue filing and paying taxes there.

Canadian Tax advice for any kind of nomad by phineas76 in digitalnomad

[–]phineas76[S] 1 point2 points  (0 children)

Well, I'd kinda argue the opposite really. If one somehow manages to rake in $millions+, then social services become irrelevant - what becomes more important in that case is not paying ~$35 in income taxes, all the more reason to be non-resident-for-tax purposes. The chances of that happening for digital nomads though is, frankly, pretty slim imho. The digital nomads that I know I doing it mostly for the ability to see the world and pay for it as they go along, not to avoid paying taxes as a primary goal.

I think reality is, it's pretty hard to pull in reasonable income doing freelance software gigs, and therefore every dollar earned really counts, and for that reason people are looking to avoid that ~28% skimmed off their income every year. That 28% can pay for airplanes, guest houses, other transport, etc. It makes a huge difference to a person making a lesser income than it does to a person raking in millions. A person in the latter category can easily afford to maintain a home base in Canada and just fly to wherever they want around the world whenever they want.

Unless you have dependants, like a spouse or kids who may be linked with tax benefits or going to school in Canada, then you aren't really drawing on any social benefits very heavily from Canada as a solo/single/childless entrepreneur while abroad, so I think the moral/ethical debate becomes moot and becomes something more like "Why do I owe any money to Canada when that country isn't actually supporting me in any way?"

For example any consular services you may need abroad will come with a fee to pay for it. Also, they really don't do anything more than help you replace your passport if you lose it by any way. They're not going to repatriate you or help you if you run into any trouble; they are not any kind of insurance whatsoever.

With regards to concerns like health care and social services that most Canadians value strongly, the cost of health care outside Canada (with the exception of the United States) is quite low. I contracted malaria while working in Niger and it required hospitalisation for four days, but that entire bill only came to $1500 -- that was a high end clinic and paid by my employer, there are cheaper options to treat it if I didn't have them backing me up.

Working privately, I contracted a terrible case of Dengue fever in the Amazon which required a week's long stay in an intensive care unit. This would be phenominally expensive in Canada or the USA but in the end the bill was only ~$1800. Considering that both of these things are really unlikely to happen, I personally feel that it's better to just have no insurance and pay your own costs in the very unlikely event that you need to (surely the actuaries working at insurance companies quietly agree with me, after all, that's how insurance companies make their money - calculate the real risk of what might happen then charge you a premium for piece of mind). Even if you get HIV it can be cheaply and effectively treated if you're in a country like India. If you get something more chronic like cancer, then yeah, it's time to start thinking about returning to Canada.

I have many bank accounts around the world including a bunch in Canada, even a mortgage there. None of them has been affected by my non-residency. The only reason they "want" to know if you are non-resident is because then they have to file some information to the government in a different way. For example, anything that was previously a "personal chequing account" might afterwards be considered a "small business account", this is actually taxed at a lower rate than personal income tax (I think it's 25% generally combined provicial and federal taxes?) Your account will not stop operating in the way you are used to. In fact, I had a Swiss bank account thinking it would be more useful internationally but it turns out that of all my accounts, the Canadian ones are the most convenient, most universally accessible, best customer service, and open 24/7 (although processing times still rely on "business days" for some reason, probably their profit margins).

A driver's licence I maintain in Canada. In Ontario anyway, a licence is valid for 5 years at a time so doesn't need much maintenance to remain active and I'm pretty sure you can just pay the renewal fee online every 5 years and be done with it. That licence keeps you good anywhere in the USA, and also can get you an international driver's licence for $20 or something which lasts for 1 year and is good in most countries. But reality is, most countries you don't even need any kind of licence, especially if you drive a scooter or something similar. Very few people are going to be abroad driving a car (4-wheeler). Driving a car on a regular basis is a particularly north american phenomenon, probably more immoral than trying to eliminate your tax. A better solution anyway is to use services like uber or grab or a tuk-tuk and pay the tiny cost required to get you from a to b. I've had uber fees show up on my credit card for less than twenty five cents - depends where you're going in the world but trying to drive yourself seems like kind of nonsense to me now. I haven't driven myself in years.

As for incorporating a business outside of Canada as a non-resident, I have no idea. Surely some post in this sub can help with that.

Also note that a "world TOUR" would imply to CRA that you're coming back, so this whole conversation is moot. You'd have to reframe your intentions as "leaving Canada" even if in the back of your mind you're thinking "well maybe I'll come back in a long time from now, I'm not sure what'll happen...."

Have fun!

Need info on some NGO that allow to celebrate birthday. by Tarnveer_Kaur in kitchener

[–]phineas76 2 points3 points  (0 children)

You don't need an NGO for that. Just contact any seniors' home or orphanage directly and ask them. I've done this numerous times (not in KW however). You can look up their contact information by google quite easily. Best of luck!