real talk lng, kung sa employment lng ang income. There is very little, if at all, n makaipon during the first few years if you hv mortgage. I started saving for my 2 kids' univ education with RESP. Looking back, i would still buy RESP then TFSA and once your iindividual income exceeds 65k per annum, buy RRSP to lower your tax. Try to save 20% for the house downpayment to avoid mortgage insurance which is a MUST if your dpwnpayment is less than 20%.. Now that i am retired, i realized that the best combinations of investments (in my situation) is to maximized TFSA, to have maximum 300k in RRSP assuming you also have LIRA to maximized the benefits we can get from the govt like OAS and GIS.
Hi! Share ko lang yung TFSA (Tax Free Savings Account) aside from the regular Saving Account, puwedi kayo mag option to enroll so additional savings and yet tax free. Thanks.
Hi sir alwin and ma'am Emma I'm from Bacolod City in God's will this Oct. Intake ng wife ko sa Niagara as IS din po....🙂 Salamat Po isa sa naging gabay Po kayo sa Amin about sa Canada everyday Po kami ng wawatch ng vlog nyo...🙏 Tpos interested Po ako about sa Trading or stock market sir pwede Po ba ako mg ask payo as first timer or paano mg start Po pls...... Salamat Po keep safe kayo always more vlogs and God bless
Kami naman po awa ni Lord d kami nahirapan sa pag aaral ng mga anak namin sa university,nag ipon po kami thru Canada saving bond na available sa work namin ,ng mag university nag student loan po sila at yong pera para sa pag aaral nila inilagay sa term deposit na me good interest dahil yong student loan nila para sa pag aaral nila no interest hanggang makatapos ,ng makatapos sila kinuha nila yong money nila na naka term at binayaran nila yong loan pero kanila yong interest dahil walang interest yong student loan nila plus mga nag part time sila pag off school kaya me sobra pa yong money for school
Other way to save is pay with debit card as much as you can instead of hard cash otherwise you will end up with many barya. Also dnt be ashamed to use coupons or vouchers. Also park some of your savings on land or "land banking" .. bili kayo mga cheap lots or farm lot sa pinas .
It’s good to pay with debit card but make sure you also use credit card and be responsible in paying it on time. This will help you build your credit score which is very important in Canada.
thank you Alwin & Emma lagi akong nanonood ng vlog nyo, informative sya at real talk lng ang tema, im from toronto at every time pumupunta ako dyan sa Alberta, sana pagpunta ko next month ma meet ko kayo. God bless
@@alwinemma I see po. I am not a degree holder so I am only looking to apply for a minimum wage job just to get by while I stay there and I hear there are jobs that I can apply for right away, hopefully... :) Thank you so much for replying. :)
❤❤🎉🎉 ang galing kahit kunti my ipon!!!
Totoo po! Ang mahalaga ay makasave! 🩷
Hehe super cute ni Zion nasilaw siya sa araw, i cannot get enough of his cuteness
Yayyy hehe salamat po! 🥰
real talk lng, kung sa employment lng ang income. There is very little, if at all, n makaipon during the first few years if you hv mortgage. I started saving for my 2 kids' univ education with RESP. Looking back, i would still buy RESP then TFSA and once your iindividual income exceeds 65k per annum, buy RRSP to lower your tax. Try to save 20% for the house downpayment to avoid mortgage insurance which is a MUST if your dpwnpayment is less than 20%.. Now that i am retired, i realized that the best combinations of investments (in my situation) is to maximized TFSA, to have maximum 300k in RRSP assuming you also have LIRA to maximized the benefits we can get from the govt like OAS and GIS.
tama po. ❤❤❤❤
Hi! Share ko lang yung TFSA (Tax Free Savings Account) aside from the regular Saving Account, puwedi kayo mag option to enroll so additional savings and yet tax free. Thanks.
Nice show po.
Hi sir alwin and ma'am Emma I'm from Bacolod City in God's will this Oct. Intake ng wife ko sa Niagara as IS din po....🙂 Salamat Po isa sa naging gabay Po kayo sa Amin about sa Canada everyday Po kami ng wawatch ng vlog nyo...🙏 Tpos interested Po ako about sa Trading or stock market sir pwede Po ba ako mg ask payo as first timer or paano mg start Po pls...... Salamat Po keep safe kayo always more vlogs and God bless
Sure Andrew. Message us po sa Telegram namin: @alwinandemma
Kami naman po awa ni Lord d kami nahirapan sa pag aaral ng mga anak namin sa university,nag ipon po kami thru Canada saving bond na available sa work namin ,ng mag university nag student loan po sila at yong pera para sa pag aaral nila inilagay sa term deposit na me good interest dahil yong student loan nila para sa pag aaral nila no interest hanggang makatapos ,ng makatapos sila kinuha nila yong money nila na naka term at binayaran nila yong loan pero kanila yong interest dahil walang interest yong student loan nila plus mga nag part time sila pag off school kaya me sobra pa yong money for school
Inspiring! Maraming salamat po sa pagshare ng story ninyo. 💖
Other way to save is pay with debit card as much as you can instead of hard cash otherwise you will end up with many barya. Also dnt be ashamed to use coupons or vouchers. Also park some of your savings on land or "land banking" .. bili kayo mga cheap lots or farm lot sa pinas .
It’s good to pay with debit card but make sure you also use credit card and be responsible in paying it on time. This will help you build your credit score which is very important in Canada.
Hi Alwin and Emma, how’s everything? If you don’t mind asking kung ano ung life insurance na kinuha nyo na may kasamang investment?
Ivari po
thank you Alwin & Emma lagi akong nanonood ng vlog nyo, informative sya at real talk lng ang tema, im from toronto at every time pumupunta ako dyan sa Alberta, sana pagpunta ko next month ma meet ko kayo. God bless
❤❤❤❤❤❤
💖💖💖
🥰🥰❤
Moving to Calgary soon in May. Is it easy to find jobs right now?
Honestly, not that easy. You have to be patient in applying for jobs.
@@alwinemma I see po. I am not a degree holder so I am only looking to apply for a minimum wage job just to get by while I stay there and I hear there are jobs that I can apply for right away, hopefully... :) Thank you so much for replying. :)
Ako wala ipon!
Terrible Two, ang kukulet na nila wahahaha XD
Sobra! 🤣
Mam Emma, take driving lessons!!