Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Can't understand. See above results I got from another website
$57 sounds about right...when I put in $75k as business income into my own very rough spreadsheet (using 2013's rates/brackets I think) it comes out with $20,600 payable, but it's including around $4,400 in CPP contributions in that which I'm not sure how the CPP works for you.
Last edited by Equalizer101; 03-07-2015 at 11:54 PM..
$57 sounds about right...when I put in $75k as business income into my own very rough spreadsheet (using 2013's rates/brackets I think) it comes out with $20,600 payable, but it's including around $4,400 in CPP contributions in that which I'm not sure how the CPP works for you.
Alright.
I assume this money is more than enough to afford life up there uh?
Alright.
I assume this money is more than enough to afford life up there uh?
You are making more than 50% of people in Toronto a city which has a great quality of life for the majority (but yes expensive accomodation-wise), really not sure how much further to answer that. Have you looked at the listings to figure out what kind of budget you'd need?
When I was making around that much I was living alone in downtown Toronto in my own condo (1 BR, 63 m2, around financial district; which I paid off), was left with about 60k after taxes, no car as I lived within walking distance of work and amenities, was saving $1,000s each month and living like a king (but working like a slave).
Last edited by Equalizer101; 03-08-2015 at 12:52 PM..
I'm not going to have the opportunity to visit. But I am not concerned about that.
The point is that I don't know what the final offer might be....Toronto is expensive, but on the other side, the U.S. visa stuff is a headache. And I have no choices to work for another company for long time...
Dubai is fine money wise . I will still keep my expat status. But again... Can't be forever.
Houston is cheap, multinational but it's got less of that Big US type of city. all is spreaded out...and I'm a bit scared about this non protection at your work place...
Toronto is expensive if you want to buy a house.. For example - I rent a two bedroom 1000 sq ft apartment with my partner that is a 5 minute walk from the Islington subway station that gets me dt in 20 minutes and the rent is 1260 per month.. For a city the size of Toronto that is VERY affordable.. Don't let people freak you out with day to day costs, groceries and clothing aren't that expensive and there are plenty of bargains to be had.. So i'm not sure how you could say T.O is expensive when you haven't been here and don't know where to shop lol... You can further reduce costs by not having a car and living/working close to the subway lines.. Something to consider.. Toronto may not have the best PT system in the world but it certainly is better, more extensive and practicable than Houston's..
In all honesty and I don't mean to be abbrasive here but I can't understand how you can't have the opportunity to visit the city..?? why.. why would you decide to move to a city before actually seeing it.. You are in Houston - its easy to take a flight to T.O even for a few days just to see it.. I can't understand your logic at all in terms of not visiting.. I wouldn't move to any place without visiting it first!!
You are making more than 50% of people in Toronto a city which has a great quality of life for the majority (but yes expensive accomodation-wise), really not sure how much further to answer that. Have you looked at the listings to figure out what kind of budget you'd need?
When I was making around that much I was living alone in downtown Toronto in my own condo (1 BR, 63 m2, around financial district; which I paid off), was left with about 60k after taxes, no car as I lived within walking distance of work and amenities, was saving $1,000s each month and living like a king (but working like a slave).
yes you answered. I appreciate it. However, we are 2 people.
Tomorrow morning i ill be honest and express my interest in one city or another but I definitely need to have all the information that are needed which includes salary information, provided the company decides that i'm the right candidate. Moreover, am I wrong to say that after a certain period of time one may apply for the PR and so can look for other job and no need to work for the same company due to the Visa? Here in the States, I will probalby have to change my Visa into an L1, and until i get a Green Card, I am not authorized to work for another employer, and this scares me a little bit. As well as the 10 days paid holidays and the non-paid maternity leave (10 weeks). Not to mention the healthcare, which is HUGE difference to our country, Italy (and most of European countries as well).
Last but not least, in regards to the fact that I have never visited Toronto ...I have moved down to Houston without knowing the city more than a couple of visits for business purposes.
Sometimes you have the chance to do so, sometimes not, and this is one of the cases.
Toronto is expensive if you want to buy a house.. For example - I rent a two bedroom 1000 sq ft apartment with my partner that is a 5 minute walk from the Islington subway station that gets me dt in 20 minutes and the rent is 1260 per month.. For a city the size of Toronto that is VERY affordable.. Don't let people freak you out with day to day costs, groceries and clothing aren't that expensive and there are plenty of bargains to be had.. So i'm not sure how you could say T.O is expensive when you haven't been here and don't know where to shop lol... You can further reduce costs by not having a car and living/working close to the subway lines.. Something to consider.. Toronto may not have the best PT system in the world but it certainly is better, more extensive and practicable than Houston's..
In all honesty and I don't mean to be abbrasive here but I can't understand how you can't have the opportunity to visit the city..?? why.. why would you decide to move to a city before actually seeing it.. You are in Houston - its easy to take a flight to T.O even for a few days just to see it.. I can't understand your logic at all in terms of not visiting.. I wouldn't move to any place without visiting it first!!
That's right but fuel and cars down here cost much less than in Canada, not to mention insurance costs...
As i said previously this was all very fast and we had no choice to visit Toronto.
We are not really concerned about the city, I am pretty sure it's a big step forward w/r to Houston. But still Houston got Pro's.
Well, frankly speaking, It's quite hard decision to make.
yes you answered. I appreciate it. However, we are 2 people.
Tomorrow morning i ill be honest and express my interest in one city or another but I definitely need to have all the information that are needed which included salary information, in case the company decides that i'm the right candidate. Moreover, am I wrong to say that after a certain period of time one may apply for the PR and so can look for other job and not forced to work for the same company due to the Visa? Here in the States, I will probalby have to change my Visa into an L1, and until i get a Green Card, I am not authorized to work for another employer, and this scares me a little bit. As well as the 10 days paid holidays and the non-paid maternity leave (10 weeks). Not to mention the healthcare, which is HUGE difference to our country, Italy (and most of European countries as well).
Last but not least, in regards to the fact that I have never visited Toronto ...I have moved down to Houston without knowing the city more than a couple of visits for business purposes.
Sometimes you have the chance to do so, sometimes not, and this is one of the cases.
You can get Canadian PR quite easily, and right away, without having to wait. I applied after 2 months of moving to Toronto -- I had to wait for some background check file from US which caused the delay - and got PR 8 months later, and I heard under the new system if you are qualified you can get it much sooner.
US health care is not that bad when you have an employer ( I think it's way better but it's just my personal experience, the company-subsidized insurance covered a lot more than what I am getting now and never the ever lasting long wait for appointment), but if you lose your job it could cost you all your saving when you have health problem
That's right but fuel and cars down here cost much less than in Canada, not to mention insurance costs...
As i said previously this was all very fast and we had no choice to visit Toronto.
We are not really concerned about the city, I am pretty sure it's a big step forward w/r to Houston. But still Houston got Pro's.
Well, frankly speaking, It's quite hard decision to make.
Well sure fuel and cars and insurance cost less but again - you may be in a position in a city like Toronto whereby car ownership won't be a requirement for you.. I'm not sure where you will work but it is entirely possible to work and live in close proximity in a city like Toronto.. Imagine walking to work or paying 120 bucks a month for a metropass which gives you full and unlimited access to the cities network of PT - Subways, Streetcars and Busses which has the third highest ridership numbers in North America after NYC and Mex city.. 120 bucks a month is cheaper than any car/fuel/insurance combo in Houston! If you do need the occasional car for shopping trips you can use Zip cars and do short term rentals...
Without knowing where you will work or where in the city you live or if you are willing to rent an apartment its hard to know but Toronto has a lot of options to mitigate costs... No doubt Houston has pro's - biggest being probably more affordable if you want to own a house and car - everything else well... there's more to life in my mind than a house and car but that's just me..
Anyway here is a breakdown of my monthly income (not including my partner which is just gravy money) and costs
I net about 4750 - some months a bit more some a bit less (this is based on more than 75K but when I was making 75 K I brought home about 4K per month clear even after including over 300 bucks a month in deductions for company investment fund..
1260 for rent (large 2 bdrm 1000 sq foot apartment 5 minutes from Subway station)
60 for underground parking at my building
365 per month over 5 years to finance my Hyundai Elantra
140 per month for Car insurance (though i've been driving for awhile in Toronto)
200 per month on car fuel
50 dollars a month for high speed unlimited internet (no need for cable)
7.99 per month for Netflix plus 5 per month for a VPN
Maximum 300 per month for groceries
55 dollars per month for cell phone (no home phone don't need it).. Unlimited in Canada call, unlimited text and 1 gig a month data...
2450 bucks or around there - that's it and that includes a car....
That is it - everything else is for discretionary spending on things I want for entertainment/travel/misc etc.. As I said my partners income is completely gravy... He funds two of our trips per year and we travel the world... We don't want to be bogged down by home ownership and whatever money that would have gone into that above and beyond rent is simply invested for retirement when we want to.
Houston the weather is better - No doubt... As for overall entertainment options though .... well i'm pretty certain T.O will just offer more for you and your wife but yes - it IS colder in the winter.
Well sure fuel and cars and insurance cost less but again - you may be in a position in a city like Toronto whereby car ownership won't be a requirement for you.. I'm not sure where you will work but it is entirely possible to work and live in close proximity in a city like Toronto.. Imagine walking to work or paying 120 bucks a month for a metropass which gives you full and unlimited access to the cities network of PT - Subways, Streetcars and Busses which has the third highest ridership numbers in North America after NYC and Mex city.. 120 bucks a month is cheaper than any car/fuel/insurance combo in Houston! If you do need the occasional car for shopping trips you can use Zip cars and do short term rentals...
Without knowing where you will work or where in the city you live or if you are willing to rent an apartment its hard to know but Toronto has a lot of options to mitigate costs... No doubt Houston has pro's - biggest being probably more affordable if you want to own a house and car - everything else well... there's more to life in my mind than a house and car but that's just me..
Anyway here is a breakdown of my monthly income (not including my partner which is just gravy money) and costs
I net about 4750 - some months a bit more some a bit less (this is based on more than 75K but when I was making 75 K I brought home about 4K per month clear even after including over 300 bucks a month in deductions for company investment fund..
1260 for rent (large 2 bdrm 1000 sq foot apartment 5 minutes from Subway station)
60 for underground parking at my building
365 per month over 5 years to finance my Hyundai Elantra
140 per month for Car insurance (though i've been driving for awhile in Toronto)
200 per month on car fuel
50 dollars a month for high speed unlimited internet (no need for cable)
7.99 per month for Netflix plus 5 per month for a VPN
Maximum 300 per month for groceries
55 dollars per month for cell phone (no home phone don't need it).. Unlimited in Canada call, unlimited text and 1 gig a month data...
2450 bucks or around there - that's it and that includes a car....
That is it - everything else is for discretionary spending on things I want for entertainment/travel/misc etc.. As I said my partners income is completely gravy... He funds two of our trips per year and we travel the world... We don't want to be bogged down by home ownership and whatever money that would have gone into that above and beyond rent is simply invested for retirement when we want to.
Houston the weather is better - No doubt... As for overall entertainment options though .... well i'm pretty certain T.O will just offer more for you and your wife but yes - it IS colder in the winter.
First of all we appreciate both your very well detailed description
A few questions, 1250 Buck and where you live?
What about healthcare? Is it like in Italy meaning you don't need to pay for additional coverage ?
What do you tick about possibilities for my wife? She is almost becoming a lawyer in Italy, probably she's got more opportunities in Houston and Toronto than in Dubai.
I am going to be based at the following street Sheppard Avenue.
What about bills utilities? How much would this be?
Can I access that area within reasonable time while living not too far from downtown?
Last but least what kind of Visa am I supposed to get? This would be a interrcompany relocation, I am also aware the PR can be obtained within reasonable timeframe... Is this visa difficult to obtain, I am not graduated but I am a specialized middle management employee.
Thanks for your great input
First of all we appreciate both your very well detailed description
A few questions, 1250 Buck and where you live?
What about healthcare? Is it like in Italy meaning you don't need to pay for additional coverage ?
What do you tick about possibilities for my wife? She is almost becoming a lawyer in Italy, probably she's got more opportunities in Houston and Toronto than in Dubai.
I am going to be based at the following street Sheppard Avenue.
What about bills utilities? How much would this be?
Can I access that area within reasonable time while living not too far from downtown?
Last but least what kind of Visa am I supposed to get? This would be a interrcompany relocation, I am also aware the PR can be obtained within reasonable timeframe... Is this visa difficult to obtain, I am not graduated but I am a specialized middle management employee.
Thanks for your great input
Hi Screttiu,
I can probably provide insight into some of your questions though not all..
1250 Buck and where you live?
I live at Bloor and Islington.. This is close to the subway line - 5 minute walk but if you would be based on Sheppard do you know where ?.. Ideally it would be close to Yonge which means close to the subway line. If you work close to Sheppard and Yonge it wouldn't be a problem living Downtown and taking the subway to work - it would take about 20-25 minutes on the subway.. Most rental buildings include utilities in the rental cost. So in my building that 1260 includes all utililities.
What about healthcare? Is it like in Italy meaning you don't need to pay for additional coverage ?
So say you were making 75K per year and your net pay was 4K per month.. That is after govermment deductions so you wouldn't pay out of pocket for healthcare.. Extended healthcare (precriptions, chiropractic, dental, massage, accupuncture etc) is not part of universal healthcare but most companies provide some type of extended benefit. Basically the amount of deductions for federal taxes is geared to income so the more you make the more the government deducts but as I said with 75K income look to net about 4100-4300 per month after all deductions including Federal deductions which means you have access to the healthcare system and never have to pay additional out of pocket expense to see a doctor/specialist or for any surgeries you would require.
As for bills - unless you own a house or condo utilities as I mentioned utilities are normally included in the cost of the rental. Otherwise i'm not sure about utility costs for those who own - some other posters would need to help with that info.
As for Visa information i'm really not sure Screttiu.. I'll again leave that to other posters to answer.. It might be a good idea to look into this website and call Immigration Canada.
As for your wife and job opportunities in law... Well Toronto is a big city and there are a ton of lawyers so I don't think it would be that much different in Toronto or Houston.. Dubai not sure but i'm not sure that is really a great place to permanently reside and build a family - that is just me i'd take both Toronto and Houston over Dubai..
Hope this helps!
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
