@@BethGould For sure. As a Canadian I'm sure it would throw me off seeing everyone in Australia ridding kangaroos to work. But I'm sure I would get used to it.
The credit card thing really shocked me as well in the US. I think it’s considered a really normal thing in North America culture which was a struggle when you come from an environment where credit cards are the devil hahah Bring on part 2!!
Hahaha legit! Thank god a travel card runs through as a credit card here but it's annoying at a bar because it says "prepaid" on it and they'll only accept credit. Like just take my card I want to start a tab 😂
@@kotaa6967 LUCKY! We need stupid credit cards in stupid USA for credit history and it’s fucking ridiculous and we need credit history for rent apartment and buy house
I personally never been to Canada. I heard great things and the fact that you just up and went without really knowing must have somewhat exciting. We need a part 2 🌸
Groceries are not taxed! Generally! Stuff thats considered snacks are an exception. You will not be taxed on your fruit, vegetables, etc., but show up at the cashier with potato chips and a bag of licorice, those are taxable items.
I live in Ontario. I didn't know BC charges tax on groceries. In Ontario, grocery items have no tax except snack items like potato chips. Just to clarify, the Harmonized Sales Tax = GST + PST and is not an extra separate tax from GST or PST. Stores are often not clear about how that shows on their receipts.
@@BethGould No. BC does not have HST at all. We only charge GST (federal tax) on some food items. Nothing on other food items. Provinces have either GST (Federal Tax) + PST (Provincial tax) or HST (Federal and provincial tax combined) Never all three. I think you were confused as the GST/HST line is not two taxes. It is an either/or thing. An HST province will just have that line. In provinces that keep it separate you can ignore the HST bit. They just do it this way so that national chains can use a common receipt format nationally. Provinces with HST have surrendered their sales taxation policy to the federal government. But some provinces want to exempt from PST some items that the federal government taxes through GST. Especially services and many grocery items.. Therefore we have GST and PST separate on bills. Sometimes only GST. The province of Alberta has no provincial sales tax and only charge GST. Merchants have given up trying to put the sales tax in the price of goods and just all it onto the total at the cash register.
Hello :) Born and raised in Canada 🇨🇦 These were crazy to listen to!!! I am SO used to these little facts. 1. 4G included in your phone plan is acc considered quite good here! Most people I know have an average of 2G for the month. I guess we just connect to wifi wherever we go. But yes - when traveling we do have to watch our data to make sure we don’t go over!!! 2. Credit cards: I am shocked that you are allowed to use ur debit for online purchases in Australia!!!!! It is true that if you want to buy things online or hold a reservation at a restaurant/business ... you need to use a credit card here. Most people I know get a credit card in there early 20’s so they can do those things. I work at Hollister California in Ontario, andwhen costumers purchase items it’s almost half the time credit half the time debit. We really depend on using credit here - we should change that lol 3. Cheques: YES - we use them. Definitely not the norm though. When getting your first pay at a job it will most likely be a cheque. They don’t want to assume that you have a electronic bank account so they will let you set it up yourself (ex. in case a person doesn’t have $ for electronics). Most people I know consider cheque’s old fashioned!!! 4. TAX: yup ... they are $$$. Here in Ontario it’s 13%. I tend to not complain just because that money tends to go towards things like education, healthcare, etc. But yes, many of us complain how high it is. It’s always in the back of our mind when buying stuff (oh it’s $10 for this item ... okay still gotta add tax lol) 5. January-December: this is our “year” so when it comes to taxes we just follow the yearly calendar. 2020 is coming to an end this December ... time to do taxes to finish off the year. I’m really hoping to visit Australia one day ! I here it’s beautiful. Loved the video - good luck here in the maple lands, eh ! 🇨🇦❤️
Woah 13% in Ontario! That's such a good mindset to focus on the fact that tax money does go towards important things like education and health care! I really like that attitude. But I totally get going to the counter and being like oh yeah have to add on tax to this $10 item 😂Thank you so much for watching and sharing your perspective on the points I raised! Hope you make it to Australia one day and if you do, reach out! 😊😊
I live in Ontario, and instead of using a credit card for online purchases, I have my debit card registered with Google Pay and it works for almost all apps and websites. The few that don't take it accept PayPal, in which I also have my debit card registered.
As a natural born Canadian I have seen a few places where people talk about the prices not including the taxes. The reason it is done this way is because there are provincial and federal sales taxes in Canada. The PST/HST is the provincial sales tax (hence PST) and the GST is a federal national sales tax (called Goods and Services Tax or GST). Canadians want/demand to know all the information on their purchases so by not having the taxes on the posted price we get to see how much the business is getting, the province is getting and the federal government is getting.
You pay taxes you just are not using your elementary math skills. I'd rather see the true price and calculate my tax. I travel and I always back out the taxes I pay in other countries to compare pricing. As well, visitors can apply to have a portion of the G/ HST refunded based on how much you actually spend in Canada and as long as you keep your receipts. Researching before you go to a country is smarter than just showing up and expecting that country to do things the way your home country does. That is ignorant.
I’m due in Canada next month from the UK and this info is very helpful! The credit card thing is very different to the UK! I’m hoping to do some videos when I arrive too as content like yours is great to prepare people. Thank you!
Its more culture than being behind. The US is like that too. They both still use fax machines lol which is bizarre to me coming from the UK but I asked my manager in New York why fax is still used in North america and he said because its secure and data doesn't end up on servers that way lol
Hi, I’m actually moving to Canada and I live in Australia haha and honestly I’m so excited to move to Canada 🇨🇦 within a year and honestly I’m so glad I came across this video! (New subscriber btw!)
Can’t believe you moved without really doing any research. Totally something I would do lol. I never used a credit card until recently. If you use it like a debit card and pay it off monthly, there are some great benefits.
Canada's the best! Been living here and have called it home ever since our entire family moved here in the late 90s. Greetings from Calgary, Alberta, Canada! Thank God we don't have PST here in Alberta! :)
prices used to have taxes included them but there was public outcry demanding to know the product only price to keep vendors from artificially hiking the prices and blaming the taxes. Checks are a leftover from old school business here. The general populace of Canada is actually one of the fastest to purchase new technology when its released, it might also be a BC thing as hardly anyone uses checks in Ontario. Wait till you find milk in bags!!
Have lived in Alberta for 20+ years. I stopped carrying cash 15 years ago. Have relied mostly of my credit card and then debit for everything else. Put my wallet on my iPhone a few years ago so I could stop carrying my credit card around as well. So convenient. My pay has been electronically deposited for the last 20 years. Really depends on where you work I think. Some companies are stuck with old pay systems because of the $$$ it costs to do the technology conversion. Understandable that a ski hill is still on the old system as their profit margins are quite slim (sadly especially now). I agree that we adopt new technology quickly when it’s available. Love that “tap” technology upped the $$$ limit during COVID. Sad reason of course, but so convenient.
Cheques ( not checks) are indeed often required by most landlords if they asked for a years worth of cheques or length of any lease. And interact transfers are $1 surcharged and cheques often fee free depending on bank account. Taxes in BC PST is 7% and GST is 5% in BC not HST because the two are not combined. Also many items ares sales tax free groceries if not junk food are usually tax free some item have one or the other others have both. ( I think have to double check,that) liquor in BC has a 10% tax but no 7% percent PST. And GST
I lived in Canada pretty much my whole life, and I had no idea those things weren't normal in other countries! 😂 I don't think it's possible to live without a credit card here! I don't know a single person without one. I didn't know Australia was June-July tax year, that seems strange to me, but I'm a Canadian accountant so I've only really done taxes for Canadians/Americans clients
Omg it's so funny how different it is for both of us!! I've literally never had a credit card, they're not as common in Aus! I know a lot of people who have them but you can do everything without one as well. I honestly thought the tax financial year would be the same for every country because so many businesses are multinational! It really threw me off when we got here! 💛💛
On my first year to Canada, I just went to postal office and obtained paper package of the tax forms. I filled it in based on the instruction and mailed it to CRA. CRA corrected my tax return on a few items and actually refunded me more than what I have calculated. On sales tax, I still remember the first time I landed in LAX airport in the US and bought a burger from Mcdonalds. The price was 4.99 and the guy charged me over 5 dollars. I don't know sales tax thing at that time. I asked McDonald guy that the changes he gave me was not correct. It has been 20 years and I still remember the facial expression of that guy like what the hell this guy is talking about.
Jasmine Delia ohhh damn! Maybe it’s just a North America thing 🤷🏼♀️ would love to live in NYC one day I looove it there 😍 thanks for watching gal so glad you liked it! 🥰
Im from BC and paying high tax on everything is the worst🙃 Ive lived in the US the past 5 years as well and their tax is the same as ours in canada jan-dec !! Has always made sense to me thankfully!
I wish I knew it was going to be so high!! It’s crazy!! Lucky it’s such a beautiful place to live 😂😍 ohhh that’s lucky! I really thought the financial year would be the same for every country so it definitely shocked me but at least now I know! Hope you’re staying safe lovely thanks for watching! 🥰🥰
HST is combined taxes. The provincial tax as well as 5% GST. If a province does NOT have HST it will have PST and GST separately. Alberta is the only province without PST so you only pay the 5% GST
HST is harmonized sales tax. It serves as a combined provincial (PST) and federal (GST) sales tax in some provinces (e.g. Ontario). You don't get all 3. You either get the harmonized single tax or the two individual ones. That's kind of the point of HST.
These are all such good pointers! My bf currently is going to school and living there now, you should do a video on the visa/obtaining a job process. Awesome video, very informative!!
Wow, am Canadian, I don't do new technology but haven't used cheques for probably 25 years. Don't know the last time I received one. I don't have a credit card, haven't had one for about 15 years. I have a prepaid travel credit card for hotels, but other than that it's the Visa debit. I've worked in remote lodges with young people from overseas and it's so great that so many of you have this program available. When I'm traveling I encourage young people to come here for the experience. Welcome to Canada!
I only use 1 cheque every year or so, for old fashioned people that haven't heard of 2021. It's nothing like cheque use in the USA, where it's common for people to pay for groceries with a "check".
I made sure to bring an overseas credit card to Toronto! Super important to know. I also thought it was weird how they bring the credit card machine to you instead of taking it. Thanks for the warnings/tips! I would love living there I’m in philly PA though prob for most of my life, we will see
Just an FYI - you mentioned taxes on groceries - but most foods are tax-free in grocery stores. Prepared or "snack" foods,considered non-essentials ARE taxable as well as non-food items like cleaning products,paper products,beauty prods ect.. Restaurant foods are also taxable as well.
You either pay HST or gst+pst. Not both or all 3. The feds and provinces negotiate to have 1 sales tax, depending which province you are in. One thing I noticed in Canada is that they got rid of pennies. so your change is rounded up/down to the nearest nickle when you pay things.
I’m from Ontario!! I never get checks unless it’s from the government like where I live in northern Ontario if we have to travel for medical reasons we get money back they send it as a check but that’s only time I get checks!! We will rarely even accept them at work anymore!! There is a thing in Canada called debit visa it’s a debit card but can be used as a via in the sense where I can use it to order food or clothes or plane tickets or anything with a couple exceptions like on planes when buying food you can’t use it least not aircanada and you can use it when travelling and not get paid bunch of fees like bank and international you only get charged the one!! I thought January to December was everywhere cause makes complete sense it’s a full calendar year Our take I think was 15% few years ago dropped to 13%
Ohh nice I guess they just use them when they have to now! 😊 man I wish I knew about this debit visa earlier! I feel like it would have been so good to have! Our debit cards are master cards so we can rarely use them online 😭
I actually have a check next to me right now lol I needed a void check for direct deposit so I guess we still use for some stuff lol The bank never told you about the debit visa? They aren’t visas though so it’s an actual debit card where takes money out of your account right away but it can be used like a visa where you can use it to shop online or use it when travelling and not be charged as much as if you used a normal debit card! I thought everyone in Canada has them!! Guess not we’ll now you know if you ever move back to Canada!! Does Australia have the tap/chip? I thought everyone had that also but apparently not I just learned that
@@miniteen59 The tap and pin is one thing I was surprised that the US didnt have. I;'d have my card out, ready to tap and be surprised that they'd ask me to swipe and sign instead. So close to us yet so different in some ways, haha.
As a Canadian, I'll admit that I haven't written a cheque in several years. Not gonna lie, credit cards are great if you're disciplined. You can get perks for money you were going to spend anyway /2cents
It feels good when you in your holiday home because of these things that you have already moved to Vancouver girl like yassss i recommend saying yess you in your right place and basically by changing the visa like if your applying for Canadian citizenship visa you definitely needed is online it helps you saving the day girl like you did amazing job for your tips girl 😍🥰💙💙💞💞💞❣❣❣❤❤❤💓💓💓💕💕🇺🇸 God bless you and your family as well
In the States we don’t pay tax on food items. Only alcohol and noon perishables, clothes, furniture. The US has the same tax season. January thru the December.
Always wanted to have a holiday to Canada maybe chrissy time when everything there is magical and snow while Australia is in blazing summer hahaha so this is a good info to keep for future references ☺️
About cheques, actually they are fairly rare. Myself, living in BC I have to write maybe 3 cheques a year. All my earnings have been direct deposit since I moved back from Los Angeles. Normally when renting a place to live you need to write cheques for the deposit and first month's rent and it is direct pay after that, You can set up auto pay most of the time through your online banking. When we pay for stuff more of the time, especially small purchases we use "Tap" We just tap our credit card to the debit/credit keypad and payment is done. I also use Interac E-Transfer a fair bit where you can send money to anyone who has an email address,
I can't tell you what the sales tax is where I used to live before moving here. As a consumer, I actually prefer to keep it apart from the price tag. That way, we're more conscious of how much tax we pay the gov. On the other hand, some folks like to be blissfully unaware of that tax amount, so just depends on your preference.
You actually taught this Canadian something new about Canada. I had no idea that BC had HST in any form and still charged PST (therefore two types of tax). It's a bit different here in Ontario. As for the fiscal year-end, yes, December is the end but most people pay their taxes in the late spring. If you go to Quebec (and you should!), you should post your reaction to their taxes, haha. Hope you're enjoying it here!
She's incorrect. BC has the general 5 % GST and the PST is 7% for a combined tax of 12%. As in other provinces PST is not added to necessary food items but rather junk food. I hate it when people post incorrect information. She should have done her research.
This is some useful information. I wouldn’t believe that cheques are still popular in Canada if you didn’t say it. In Jamaica where I live though tax on most goods(gct) is 15%
I was looking at the comments and i realized you replied to essentially all of them, lol. That's pretty cool. Good video btw and looking forward to watching part 2 👍🏿.
Hi! Thanks for making this video! Am moving to Canada next year so your video is very helpful esp about the tax. haha. Take care and I hope that you`ll make more related videos about Canada esp with financial stuffs. Cheers!
Thank you for watching! I'm so glad you found it helpful! Currently planning out some more Canada content to create so I'll definitely make a financial based video! 😊
Well, that's called a culture shock😀 Been there, done that😂 But there is no other way to learn than go and figure how some place operates - that's it. Things obvious to us are not so obvious for others. Being a nomad myself and moving one country to another for the past 10 years is only showing me that you simply can't prepare enough😀 But once you figured how the country works then you are done😁
Welcome to Canada 🇨🇦 It really depends on the company you work for. Many other organizations use direct deposit. Many people pay rent via Interac E-transfer. I have a 10yr old cheque book and I am at cheque number 30. Mostly used to pay trades. Or as a means for my employer to ensure that they have my correct info for direct deposit. In the end it really depends on who you work for or who you are renting from. Elderly tend to prefer paying by cheque or getting paid by cheque. When I come across this, I simply use my Bank app for mobile deposit.
Hey Kirk. You might want to check out somebody else's videos for research purposes.....I don't know; maybe from someone who is actually Canadian? She said she lives in BC. I live in BC. A substantial portion of this video was about taxes. First of all, the consumer taxes in Canada are broken out for transparency; it's not like you are paying more. Also, and let me make this clear, BC has NO hst. For the people who have to comment on how high taxes are; you are certainly welcome to make a video about countries with no social security, and, or, shitty infrastructure.
I don't know anything about Canada so this was soooo strange to hear! I'm so surprised how different it is with the taxes in the shops and all like wow but it's nice that you go used to it :))
I was surprised too! I was like I knew there was tax to be added on at the end but 15%?! Aweee yes I'll definitely do a part 2! Thanks for watching gal! 😊💛
Also it will depend on what province as to what the pst will be and some provinces like Nova Scotia only have an HST which they put the gst and pst together. I like that you tried to fill people in that it can be different depending on province. Unfortunately with picking to live in BC you picked one of the most expensive provinces to live in.
Ohhhh thank god I was waiting to get roasted out here by other people being like how didn’t you know 😂 also let me know if you need hp when you do your next tax because I can help with the foreign income bit (it’s a drainer)
I hear a lot of good things about Canada. My friends used to live there and said people are nice but they had some bad experiences too. I’m curious to see how your experience will be 🤔
I'm thinking of moving to Canada to call it my new home in 32 years time. I'm from Northern Territory,Australia. At the moment i am working so hard saving up to buy my home in Canada!!!. Because i chose to live in Canada hopefully in 32years time when i am 70yrs old i'm 38 now. Becuase of the weather and climate. I am not sure if Canadians would love to see a Native Full Blood Aboriginal who is living in Canada selling Australian Aboriginal Art there but who knows what will happen. Plus i might land me a job in teaching Culture at high schools and other places. I love being apart of culture i've always wanted to meet an Native Indian tribe and learn about their culture and be apart of Nature itself. I do Traditional Painting i paint on Plywood and this year i am going to start using my art and build coffee tables and sell them. I am a graphic designer who creates emojis. And one day i hope i see myself in my own home in Canada! by the way back in the 90's i was going to school in Darwin,Australia and we had a soccer teacher who came from Toronto to teach soccer,I never was into soccer but playing the sport was fun!!! Anyways i cannot wait to call Canada my new home in 32years time I am looking forward to it.!!!!!
I’m also a graphic designer but Canadian. It would be awesome if you come. You would have no problem visiting a First Nations (if your speaking more relaxed most say native or indigenous not really aboriginals here) reservation but you would have to probably go when they have a celebration. Best is during a pow wow. Also it is very expensive in the housing market here. If you are moving to Toronto you best be a millionaire because that is less then the average price, even for a good condo. Think outside the city. Also if your moving at 70yrs old you may not be staying. At that point you have nothing to offer Canada as a senior. It would be much more difficult unless you were sponsored by a wife.
Next door in Alberta all we have is the 5% GST. No PST or HST. Only province in Canada like that. No Alberta government will try to put in a provincial sales tax because they know in the next election they'd be defeated and the incoming government would get rid of it again.
I haven’t see a cheque for over a decade. I live in Vancouver and I’ve heard of some rentals wanting pre made cheques (don’t rent from them) but most rent now is done via email money transfers.
OMG, I'm so related to the content you mention in the video!!! I'm also new to Canada (pretty new tho) and I was lived in Sydney before. Anyway, just feeling that I finally found someone shares the same ideas!!
Thought I would check on new working holiday people here in BC (I'm in Victoria), Ive been here for almost a decade now after coming on a working holiday visa, lots of good information here for people. I would say that cheques have gotten increasingly uncommon, I think I've only ever sent a cheque or received a cheque from the government. Being from the UK, the tax rate here is pretty good, the UK uses VAT and its at 20%, but you don't see it as its in the price. Hope you're still enjoying Canada!
You got the GST, PST, HST bit wrong. GST=federal sales tax, PST=Provincial tax, HST=PST+GST. Some provinces just show HST. others show PST&GST. - its an either or situation.
I'm in the US and have unlimited data, I literally haven't thought about how much data I use, so I just checked my data usage and it is 0.91GB for the first half of April. Looks like I'll use 2GB by the end of the month. Not trying to reduce my data usage at all (since it's unlimited).
I have unlimited everything on my phone and it's $112 a month. I remember like 7 years ago or more my phone was only $40 with unlimited data and text (no long distance calling) and now I pay $72 more which is crazy. When I hear about other countries easily paying half or less of what I pay for the same thing I just... Die a little inside lol
@@BethGould It is because the telecoms behave as monopolies and the federal and provincial governments let them do it. Corruption. What else is new, eh? (There's a Canadianism for you!) I follow an Australian guy named Shane on RUclips who has a guitar channel. He shows the prices for new guitars in Australia and it almost gave me a heart attack! ACK!!! A Fender Squier Stratocaster Standard is about $350 new. In Australia it is over twice that much! I could hardly believe my ears when he showed us that because these guitars are made almost exclusively in Indonesia, and it is MUCH closer to Australia than it is to Canada. I think Australian importers are putting the screws to you poor Australians because the value of our two currencies isn't that much different. And also, manufacturers from the US and Japan, etc., are really gouging people in Australia. Your feds should lower the boom on these people but you can bank on governments doing very little if anything in these matters. It makes me wonder how many dollars are seeping into Swiss bank accounts ...
I totally agree with you here. The points you made are need to know. Thankfully now the cheques are starting to drift away but never like receiving cheques or going to a bank. I know these are minor inconvieniences but just saying. I like this video a lot. So helpful. I am watching more abt australia now bec im hoping to live and explore there for a couple of years.
Definitely only minor inconveniences but I think they're just helpful to know! So glad you liked the video, hope you get to live in Australia one day, it's such a beautiful country! 😊
@@BethGould It was a hate love relationship for me. The nature is so beautiful but it could rly bum me out that I can't rly go out and enjoy it quz of the constant overcast, rain and fog. Well atleast during October - April or so.
@@BethGould Would you pls do a Vancouver vs Melbourne type video? I'm a little interested in Melbourne currently. Like how often do you rly have to deal with the scary animals and critters? Can you even rly go out on any sort of hikes due to either deadly animals and critters or just due to a lack of cool nature? Quz I'm under the impression that Melbourne, as a city, is rly nice, while it may lack cool nature, but havnt been there before so dont know lol.
@@BethGould Also like how does the summer bush fires affect people living in Melbourne? It sounds like it would be very dangerous and toxic having the smoke coming to the cities. Also, how's the weather? If you could compare it with Vancouvers, that's be awesome.
At least in Canada sales tax only changes between provinces, here in the US every county has different sales taxes (there are 3,006 different counties in the US).
These are so good to know!! Actually tips that help people. How weird is it that you need a credit card I have never done a check before and always thought of online transactions
Aw thank you! I hope they help! 😍 It's so strange! If I could go back in time to when I first got here I would get a credit card straight away, it's gets so frustrating having to use a travel card!
Just to clarify the credit/debit, I’m with Scotia bank and you can use your debit card like it’s a credit card online and in places like hotels, and the taxes not be included on the shelf prices drives us nuts too lol
There was a deal with virgin that may be still on, I upgraded from the 8 gig to 12 gig for 55$ . A great credit card alternative in Canada is KOHO, it's a free bank account that has a reloadable credit card, it shows up as a real card not a reloadable one. I have regular credit cards but I love my KOHO card because I can load it with an interac transfer in a few minutes from my regular bank account.
THANK YOU SO MUCH FOR THE INFO. I' M PLANNING TO MOVE TO CANADA (BRITISH COLUMBIA, AND PROBABLY WILL STUDY THERE TOO.) I'VE BEEN SEARCHIING INFO ABOUT SOUTHERN BRITISH COLUMBIA. IT CERTAINLY IS ONE OF THE MOST BEAUTIFUL PLACES IN CANADA AND WITH MILD WINTERS. HOWEVER, IT'S ONE OF THE MOST EXPENSIVE PLACES IN CANADA.
moved here in canada from the philippines, im in Saskatchewan, i have just had enough of winter,12 yrs..been home in the philippines for vacation 2 x and now trying to research Australia, lol...
You being from a warm climate picked the wrong province to deal with winter. Saskatchewan is just stupid cold ...BC would have been likely more tolerable
I totally agree, the prairies have really harsh winters. I live in Alberta, moved here from northern Ontario where the winters are much more tolerable, and enjoyable.
I am not sure why people around you are using cheques. My pay for years along with most people I know receive direct deposit for their pay. I use VISA debit card or PayPal to buy online. Very rarely do I use credit for online purchases, but yes, a credit card is need for hotels and bar tabs.
I hope you're ok after being thrown off so many things in Canada, sounds like a scary place haha seriously but loved the video thankful for your insight
Martyna yaaaaas how exciting!!! Definitely start researching gal even if it’s just a few things every now and then (so you don’t get overwhelmed) it all helps in the long run! 🥰
My husband has a credit card only because we needed to do deposits for our wedding and honeymoon. I have a debit Visa for online and Paypal. I still have cheques in my maiden name. Haven't written one in years. My mom-in-law writes birthday and Christmas cheques.
Canada is definitely behind with most technology. And I agree that needing a credit card sucks. I have a visa debit card and even still there are some online stores that don’t except it. Best of luck here in Canada 🇨🇦.
So frustrating when it doesn't work when you're purchasing something online! I made a paypal account and I've been able to buy things through that with my debit card linked to it! But sometimes I have to use my travel card when paypal isn't an option. Thank you!! 😊
The PST/GST/HST part of the bill is labelled strangely... HST is technically PST + GST (12% in your case). In Ontario it will just be labelled as HST on your receipt (13% in this province). Your bill showing GST/HST is really showing the GST portion only of HST (I. E. The line above with PST is the other part of the HST).
I really wanna move to Australia soon as I’ve been planning for ages. (From Canada btw) just wondering if you know the process well and things I’ll need to do or watch out for. I’m looking to move there permanently if possible.
I’m an Ex-Pat Brit. You’re quite right in your defining of some of the major differences between Australia, the US, and Canada but you must take some of that responsibility on board as you didn’t do due diligence in your preparations for your move. That said, I hope you’re adjusting to our differences. Best. Dr. Stu Maclean, Halifax, NS.
Great video! Very helpful and informative 🙂 My partner and I have considered potentially moving to Canada in the future so this tips are definitely noted
Thanks Beth I bet! What about construction in and around the ski areas and a little further out than right in the middle I worked and lived in aspen for a few months and that was magic Thanks for the reply any extra information on the questions would be great if not take care of ya self your channel is really nice 👍🏻 Cheers mate
The US also uses direct deposit. The taxes sound so overwhelming. Thanks for sharing the site you use to do your tax. Can’t wait to use it! 😁 Edit: Does it only work in Canada?
Omemawa G the tax was definitely a little overwhelming at first, I feel like if I had of done a some research first it would have helped sooo much! When I first went to buy something and saw the price go up at the checkout I was so shocked! I think simple tax is only a Canadian site but I’m not 100% sure! Also thank you so much for watching! ✨😊
There is no added taxes on grocery purchases so I don't know where you buy your groceries but I'd quit going there, or I'd report them. I also live in B.C. I know there is some added tax on some grocery store items. I believe pop and candy is taxed and probably prepared food from the deli section for example. But most everything else is not taxed. Feel free to correct me my fellow Canadians.
I was on a WHV in Canada, and just came across your channel. I also did zero research into Canada before moving. 😂 The getting paid in cheques got me. Also have to mail off documents instead of being able to submit online. Why do I have to mail a change of address form?
As an Aussie living in Canada for the past 10 years I agree with everything you just said
Thank you! So nice to hear I'm not the only one thinking these things haha!
@@BethGould Big White ❤
@@goldengreen7763 big white!?
@@vimalcurio It's a famous ski resort in Canada owned by Aussies.
Im interested in moving from Sydney I need to get as much help as possible can you contact me via social media ?
I was born and raised in Canada... This was interesting to see the weird things that's normal life for us lol
Haha I feel like I'd be the same way watching someone talk about Australia! 😊😊
@@BethGould For sure. As a Canadian I'm sure it would throw me off seeing everyone in Australia ridding kangaroos to work. But I'm sure I would get used to it.
@@orlandoweichistocool Are you gay?
@@garethvesna488 Yes actually is that okay with you?
@@orlandoweichistocool why wouldn't I be! you just made me won a bet!😘 Thanks for your response bud:)
The credit card thing really shocked me as well in the US. I think it’s considered a really normal thing in North America culture which was a struggle when you come from an environment where credit cards are the devil hahah
Bring on part 2!!
Hahaha legit! Thank god a travel card runs through as a credit card here but it's annoying at a bar because it says "prepaid" on it and they'll only accept credit. Like just take my card I want to start a tab 😂
In my country it's the same. We think credit cards just exist to make you go bankrupt 😅 but we need them to get credit history
@@bbiberry We dont need them for credit history in Aus! Our credit history is created by paying bills, rent etc.
@@kotaa6967 LUCKY! We need stupid credit cards in stupid USA for credit history and it’s fucking ridiculous and we need credit history for rent apartment and buy house
I personally never been to Canada. I heard great things and the fact that you just up and went without really knowing must have somewhat exciting. We need a part 2 🌸
Definitely was exciting! Looking back I can't believe I didn't do any research though 😂a part 2 will be coming soon!! 💛😊
Groceries are not taxed! Generally! Stuff thats considered snacks are an exception. You will not be taxed on your fruit, vegetables, etc., but show up at the cashier with potato chips and a bag of licorice, those are taxable items.
Interesting! Thanks for sharing! 😊
@@BethGould you don't pay any tax on prescription drugs either ☺
Thank you !! This was so helpful. I'm an Aussie moving to Canada and knew most of this stuff. Except for the different tax year and cheques
So happy I could help! Good luck with the move! :)
I live in Ontario. I didn't know BC charges tax on groceries. In Ontario, grocery items have no tax except snack items like potato chips. Just to clarify, the Harmonized Sales Tax = GST + PST and is not an extra separate tax from GST or PST. Stores are often not clear about how that shows on their receipts.
I think that's the same here in BC from what I've heard about the groceries! 😊
@@BethGould No. BC does not have HST at all. We only charge GST (federal tax) on some food items. Nothing on other food items.
Provinces have either GST (Federal Tax) + PST (Provincial tax)
or
HST (Federal and provincial tax combined)
Never all three. I think you were confused as the GST/HST line is not two taxes. It is an either/or thing. An HST province will just have that line. In provinces that keep it separate you can ignore the HST bit. They just do it this way so that national chains can use a common receipt format nationally.
Provinces with HST have surrendered their sales taxation policy to the federal government. But some provinces want to exempt from PST some items that the federal government taxes through GST. Especially services and many grocery items.. Therefore we have GST and PST separate on bills. Sometimes only GST. The province of Alberta has no provincial sales tax and only charge GST.
Merchants have given up trying to put the sales tax in the price of goods and just all it onto the total at the cash register.
Hello :)
Born and raised in Canada 🇨🇦
These were crazy to listen to!!! I am SO used to these little facts.
1. 4G included in your phone plan is acc considered quite good here! Most people I know have an average of 2G for the month. I guess we just connect to wifi wherever we go. But yes - when traveling we do have to watch our data to make sure we don’t go over!!!
2. Credit cards: I am shocked that you are allowed to use ur debit for online purchases in Australia!!!!! It is true that if you want to buy things online or hold a reservation at a restaurant/business ... you need to use a credit card here. Most people I know get a credit card in there early 20’s so they can do those things. I work at Hollister California in Ontario, andwhen costumers purchase items it’s almost half the time credit half the time debit. We really depend on using credit here - we should change that lol
3. Cheques: YES - we use them. Definitely not the norm though. When getting your first pay at a job it will most likely be a cheque. They don’t want to assume that you have a electronic bank account so they will let you set it up yourself (ex. in case a person doesn’t have $ for electronics). Most people I know consider cheque’s old fashioned!!!
4. TAX: yup ... they are $$$. Here in Ontario it’s 13%. I tend to not complain just because that money tends to go towards things like education, healthcare, etc. But yes, many of us complain how high it is. It’s always in the back of our mind when buying stuff (oh it’s $10 for this item ... okay still gotta add tax lol)
5. January-December: this is our “year” so when it comes to taxes we just follow the yearly calendar. 2020 is coming to an end this December ... time to do taxes to finish off the year.
I’m really hoping to visit Australia one day ! I here it’s beautiful. Loved the video - good luck here in the maple lands, eh ! 🇨🇦❤️
Woah 13% in Ontario! That's such a good mindset to focus on the fact that tax money does go towards important things like education and health care! I really like that attitude. But I totally get going to the counter and being like oh yeah have to add on tax to this $10 item 😂Thank you so much for watching and sharing your perspective on the points I raised! Hope you make it to Australia one day and if you do, reach out! 😊😊
I live in Ontario, and instead of using a credit card for online purchases, I have my debit card registered with Google Pay and it works for almost all apps and websites. The few that don't take it accept PayPal, in which I also have my debit card registered.
Cindy Mooyman ooooo smart! I’ve never thought of trying google pay! I did make a paypal with my debit card recently and that’s helped heaps 😊
Beth Gould it makes for a fun game guessing what the total will be. Or gives you severe anxiety if you have a budget
@@resinapparelco433 verrrrry true 😅
As a natural born Canadian I have seen a few places where people talk about the prices not including the taxes. The reason it is done this way is because there are provincial and federal sales taxes in Canada. The PST/HST is the provincial sales tax (hence PST) and the GST is a federal national sales tax (called Goods and Services Tax or GST). Canadians want/demand to know all the information on their purchases so by not having the taxes on the posted price we get to see how much the business is getting, the province is getting and the federal government is getting.
Thanks for sharing!
Interesting, from UK here taxes are included as our overall shopping so we know what we are paying
You pay taxes you just are not using your elementary math skills. I'd rather see the true price and calculate my tax. I travel and I always back out the taxes I pay in other countries to compare pricing. As well, visitors can apply to have a portion of the G/ HST refunded based on how much you actually spend in Canada and as long as you keep your receipts. Researching before you go to a country is smarter than just showing up and expecting that country to do things the way your home country does. That is ignorant.
I’m due in Canada next month from the UK and this info is very helpful! The credit card thing is very different to the UK! I’m hoping to do some videos when I arrive too as content like yours is great to prepare people. Thank you!
Ohh how exciting!! Wishing you all the best with your travels!! 😊💛
Its more culture than being behind. The US is like that too. They both still use fax machines lol which is bizarre to me coming from the UK but I asked my manager in New York why fax is still used in North america and he said because its secure and data doesn't end up on servers that way lol
Oh my god I low key completely forgot about fax machines haven't seen or used one in years 😂
Lol. So this is the reason why US still using fax.
Hi, I’m actually moving to Canada and I live in Australia haha and honestly I’m so excited to move to Canada 🇨🇦
within a year and honestly I’m so glad I came across this video! (New subscriber btw!)
Aww I'm so happy you found my channel! Where abouts in Aus do you live? 😊
@@BethGould I currently live in Melbourne:)
Hi! How’d you go with the move? I live in Melbourne and my partner and I are planning to move to Quebec.
When I lived in France for a short period, I also thought they were behind on technology, compared to the US! It’s just a culture thing
You lived in France?! That must have been amazing 😍 it's on my places I need to go to! So true!💕
Yes they were...they have improved a bit though right?
Beth Gould Yeah they were behind for a long time on many things, only maybe the past 7 years I would say they’ve caught up.
Thats true it is culture. The US still uses cheques and fax machines too and there are stores in New York that only take cash believe it or not 🤣
Can’t believe you moved without really doing any research. Totally something I would do lol. I never used a credit card until recently. If you use it like a debit card and pay it off monthly, there are some great benefits.
Hahaha honestly neither, I'm such a planner person now 😂I'm actually planning on getting a credit card when I go back to Australia and doing that! 😊💛
Canada's the best! Been living here and have called it home ever since our entire family moved here in the late 90s. Greetings from Calgary, Alberta, Canada! Thank God we don't have PST here in Alberta! :)
Glad you're loving it here in Canada too! 😊
prices used to have taxes included them but there was public outcry demanding to know the product only price to keep vendors from artificially hiking the prices and blaming the taxes. Checks are a leftover from old school business here. The general populace of Canada is actually one of the fastest to purchase new technology when its released, it might also be a BC thing as hardly anyone uses checks in Ontario. Wait till you find milk in bags!!
Omg trust me the milk in bags was a big shock 😂
Have lived in Alberta for 20+ years. I stopped carrying cash 15 years ago. Have relied mostly of my credit card and then debit for everything else. Put my wallet on my iPhone a few years ago so I could stop carrying my credit card around as well. So convenient. My pay has been electronically deposited for the last 20 years. Really depends on where you work I think. Some companies are stuck with old pay systems because of the $$$ it costs to do the technology conversion. Understandable that a ski hill is still on the old system as their profit margins are quite slim (sadly especially now). I agree that we adopt new technology quickly when it’s available. Love that “tap” technology upped the $$$ limit during COVID. Sad reason of course, but so convenient.
Cheques ( not checks) are indeed often required by most landlords if they asked for a years worth of cheques or length of any lease. And interact transfers are $1 surcharged and cheques often fee free depending on bank account.
Taxes in BC PST is 7% and GST is 5% in BC not HST because the two are not combined. Also many items ares sales tax free groceries if not junk food are usually tax free some item have one or the other others have both. ( I think have to double check,that) liquor in BC has a 10% tax but no 7% percent PST. And GST
You have four full month to file your taxes. Though and she’s several free on line tax things out there.
I lived in Canada pretty much my whole life, and I had no idea those things weren't normal in other countries! 😂 I don't think it's possible to live without a credit card here! I don't know a single person without one. I didn't know Australia was June-July tax year, that seems strange to me, but I'm a Canadian accountant so I've only really done taxes for Canadians/Americans clients
Omg it's so funny how different it is for both of us!! I've literally never had a credit card, they're not as common in Aus! I know a lot of people who have them but you can do everything without one as well. I honestly thought the tax financial year would be the same for every country because so many businesses are multinational! It really threw me off when we got here! 💛💛
On my first year to Canada, I just went to postal office and obtained paper package of the tax forms. I filled it in based on the instruction and mailed it to CRA. CRA corrected my tax return on a few items and actually refunded me more than what I have calculated. On sales tax, I still remember the first time I landed in LAX airport in the US and bought a burger from Mcdonalds. The price was 4.99 and the guy charged me over 5 dollars. I don't know sales tax thing at that time. I asked McDonald guy that the changes he gave me was not correct. It has been 20 years and I still remember the facial expression of that guy like what the hell this guy is talking about.
Haha ohhh I can only imagine the guys reaction! It takes a second to adjust to the tax not being included haha.
8:35 I have to correct you on one thing, groceries aren't taxed in Canada and Simpletax is now known as Wealthsimple tax.
I live in NY in the USA and taxes are just as bad 🙃🙃 love this video! Canada is beautiful
Jasmine Delia ohhh damn! Maybe it’s just a North America thing 🤷🏼♀️ would love to live in NYC one day I looove it there 😍 thanks for watching gal so glad you liked it! 🥰
Im from BC and paying high tax on everything is the worst🙃 Ive lived in the US the past 5 years as well and their tax is the same as ours in canada jan-dec !! Has always made sense to me thankfully!
I wish I knew it was going to be so high!! It’s crazy!! Lucky it’s such a beautiful place to live 😂😍 ohhh that’s lucky! I really thought the financial year would be the same for every country so it definitely shocked me but at least now I know! Hope you’re staying safe lovely thanks for watching! 🥰🥰
@@BethGould yes its sooo beautiful im excited to get back there!!
HST is combined taxes. The provincial tax as well as 5% GST.
If a province does NOT have HST it will have PST and GST separately.
Alberta is the only province without PST so you only pay the 5% GST
Thanks for sharing!
HST is harmonized sales tax. It serves as a combined provincial (PST) and federal (GST) sales tax in some provinces (e.g. Ontario). You don't get all 3. You either get the harmonized single tax or the two individual ones. That's kind of the point of HST.
Thanks for sharing! :)
These are all such good pointers! My bf currently is going to school and living there now, you should do a video on the visa/obtaining a job process. Awesome video, very informative!!
Ohhh nice! I'm definitely planning on making a video about my visa process! 😊💛
Wow, am Canadian, I don't do new technology but haven't used cheques for probably 25 years. Don't know the last time I received one.
I don't have a credit card, haven't had one for about 15 years. I have a prepaid travel credit card for hotels, but other than that it's the Visa debit.
I've worked in remote lodges with young people from overseas and it's so great that so many of you have this program available. When I'm traveling I encourage young people to come here for the experience.
Welcome to Canada!
Thanks for sharing!!! 😊💛
I only use 1 cheque every year or so, for old fashioned people that haven't heard of 2021. It's nothing like cheque use in the USA, where it's common for people to pay for groceries with a "check".
Royal Bank has a debit card visa .It acts like a credit card but uses funds in your bank account.
Oh nice! Thanks for sharing 😊
Also CIBC.
I made sure to bring an overseas credit card to Toronto! Super important to know. I also thought it was weird how they bring the credit card machine to you instead of taking it. Thanks for the warnings/tips! I would love living there I’m in philly PA though prob for most of my life, we will see
Yesss that got me too! I was like here's my card and they're like okay here's the machine 😂💛
Just an FYI - you mentioned taxes on groceries - but most foods are tax-free in grocery stores. Prepared or "snack" foods,considered non-essentials ARE taxable as well as non-food items like cleaning products,paper products,beauty prods ect.. Restaurant foods are also taxable as well.
Thanks for sharing!
You either pay HST or gst+pst. Not both or all 3. The feds and provinces negotiate to have 1 sales tax, depending which province you are in. One thing I noticed in Canada is that they got rid of pennies. so your change is rounded up/down to the nearest nickle when you pay things.
Ohhh okay! Good to know thanks for sharing! 😊
I’m from Ontario!! I never get checks unless it’s from the government like where I live in northern Ontario if we have to travel for medical reasons we get money back they send it as a check but that’s only time I get checks!! We will rarely even accept them at work anymore!!
There is a thing in Canada called debit visa it’s a debit card but can be used as a via in the sense where I can use it to order food or clothes or plane tickets or anything with a couple exceptions like on planes when buying food you can’t use it least not aircanada and you can use it when travelling and not get paid bunch of fees like bank and international you only get charged the one!!
I thought January to December was everywhere cause makes complete sense it’s a full calendar year
Our take I think was 15% few years ago dropped to 13%
Ohh nice I guess they just use them when they have to now! 😊 man I wish I knew about this debit visa earlier! I feel like it would have been so good to have! Our debit cards are master cards so we can rarely use them online 😭
I actually have a check next to me right now lol I needed a void check for direct deposit so I guess we still use for some stuff lol
The bank never told you about the debit visa? They aren’t visas though so it’s an actual debit card where takes money out of your account right away but it can be used like a visa where you can use it to shop online or use it when travelling and not be charged as much as if you used a normal debit card! I thought everyone in Canada has them!! Guess not we’ll now you know if you ever move back to Canada!! Does Australia have the tap/chip? I thought everyone had that also but apparently not I just learned that
@@miniteen59 The tap and pin is one thing I was surprised that the US didnt have. I;'d have my card out, ready to tap and be surprised that they'd ask me to swipe and sign instead. So close to us yet so different in some ways, haha.
BC has a sunshine tax.
It's worth it in January.
Hahaha facts.
As a Canadian, I'll admit that I haven't written a cheque in several years. Not gonna lie, credit cards are great if you're disciplined. You can get perks for money you were going to spend anyway /2cents
I think that's the main difference, it seems cheques where phased out a lot earlier in Australia 😊
It feels good when you in your holiday home because of these things that you have already moved to Vancouver girl like yassss i recommend saying yess you in your right place and basically by changing the visa like if your applying for Canadian citizenship visa you definitely needed is online it helps you saving the day girl like you did amazing job for your tips girl 😍🥰💙💙💞💞💞❣❣❣❤❤❤💓💓💓💕💕🇺🇸 God bless you and your family as well
Thank you!! And thanks so much for always watching lovely! 💛💛
@@BethGould your welcome hun of course you are romantic and you are my favorite fan for youtube channel girl ❣❣❣💞💞💞💓💓❤❤💙💙💕😍🥰🇺🇸🇨🇦
Always wanted to travel to Canada, I've only heard good things 👍🏻 great tips 🙂
Thank you so much! Hope you make it out here one day! 😊💛
This things are false. Terrible propaganda.
@@PaulSmith-mv1pq not at all
She is saying the truth
Where do you see she lies ?
In the States we don’t pay tax on food items. Only alcohol and noon perishables, clothes, furniture. The US has the same tax season. January thru the December.
Thanks for sharing! :)
Always wanted to have a holiday to Canada maybe chrissy time when everything there is magical and snow while Australia is in blazing summer hahaha so this is a good info to keep for future references ☺️
Hahaha omg yes Canada in winter is so nice! Perfect to escape the Aus summer!! Let me know if you come out to Canada lovely! 🥰
your channel is AMAZING!! love this!
madilyn miller omg ilyyyyy 💛
I use to pay almost $300 to Verizon for three devices every month in USA
About cheques, actually they are fairly rare. Myself, living in BC I have to write maybe 3 cheques a year. All my earnings have been direct deposit since I moved back from Los Angeles. Normally when renting a place to live you need to write cheques for the deposit and first month's rent and it is direct pay after that, You can set up auto pay most of the time through your online banking.
When we pay for stuff more of the time, especially small purchases we use "Tap" We just tap our credit card to the debit/credit keypad and payment is done. I also use Interac E-Transfer a fair bit where you can send money to anyone who has an email address,
This is true, perhaps I could have phrased it better, cheques are not SUPER common in Canada but they are more common than Australia! 😊
I can't tell you what the sales tax is where I used to live before moving here. As a consumer, I actually prefer to keep it apart from the price tag. That way, we're more conscious of how much tax we pay the gov. On the other hand, some folks like to be blissfully unaware of that tax amount, so just depends on your preference.
That's true! I didn't mind it being added at the end, just took some time to get used to 😊
Tax, such a drainer! That was definitely an eye-opening experience haha
Feeeeels 😂😫
You actually taught this Canadian something new about Canada. I had no idea that BC had HST in any form and still charged PST (therefore two types of tax). It's a bit different here in Ontario. As for the fiscal year-end, yes, December is the end but most people pay their taxes in the late spring. If you go to Quebec (and you should!), you should post your reaction to their taxes, haha. Hope you're enjoying it here!
Haha oh my gosh I kept getting told Quebec has insane taxes... maybe I will film my reaction 😂 thanks so much for watching!
@@BethGould One is them is nearly ten percent :)
She's incorrect. BC has the general 5 % GST and the PST is 7% for a combined tax of 12%. As in other provinces PST is not added to necessary food items but rather junk food. I hate it when people post incorrect information. She should have done her research.
This is some useful information. I wouldn’t believe that cheques are still popular in Canada if you didn’t say it. In Jamaica where I live though tax on most goods(gct) is 15%
It's crazy how they still use cheques here hey! I feel like it's just not a thing in other places. Woah 15%!! Omg that is so high!!
It depends on the type of job you have. Direct deposit is much more common in full-time jobs, at least to my knowledge.
I was looking at the comments and i realized you replied to essentially all of them, lol. That's pretty cool. Good video btw and looking forward to watching part 2 👍🏿.
Haha thank you I try my best! 😊
Hi! Thanks for making this video! Am moving to Canada next year so your video is very helpful esp about the tax. haha. Take care and I hope that you`ll make more related videos about Canada esp with financial stuffs. Cheers!
Thank you for watching! I'm so glad you found it helpful! Currently planning out some more Canada content to create so I'll definitely make a financial based video! 😊
Well, that's called a culture shock😀 Been there, done that😂 But there is no other way to learn than go and figure how some place operates - that's it. Things obvious to us are not so obvious for others. Being a nomad myself and moving one country to another for the past 10 years is only showing me that you simply can't prepare enough😀 But once you figured how the country works then you are done😁
Haha you're definitely right! You'll never really know what it's like till you get there!! But it's true you figure it all out! 💛😊
Welcome to Canada 🇨🇦
It really depends on the company you work for.
Many other organizations use direct deposit.
Many people pay rent via Interac E-transfer.
I have a 10yr old cheque book and I am at cheque number 30. Mostly used to pay trades. Or as a means for my employer to ensure that they have my correct info for direct deposit.
In the end it really depends on who you work for or who you are renting from. Elderly tend to prefer paying by cheque or getting paid by cheque.
When I come across this, I simply use my Bank app for mobile deposit.
Thanks for sharing!
informative indeed! thank you for reminding us to research first before moving to another place 🙌
Thanks for watching gal! 💛😊
Definitely keen for a second part to this video as I’m in the process of moving to Canada on an IEC visa
I’ll definitely make a part 2! Reach out if you need any help or have any questions about the IEC process! 😊💛
Hey Kirk. You might want to check out somebody else's videos for research purposes.....I don't know; maybe from someone who is actually Canadian?
She said she lives in BC. I live in BC. A substantial portion of this video was about taxes. First of all, the consumer taxes in Canada are broken out for transparency; it's not like you are paying more. Also, and let me make this clear, BC has NO hst.
For the people who have to comment on how high taxes are; you are certainly welcome to make a video about countries with no social security, and, or, shitty infrastructure.
Get a rechargeable prepaid Visa at the Post Office. It's the best way to shop online.
Facts 😊
I don't know anything about Canada so this was soooo strange to hear! I'm so surprised how different it is with the taxes in the shops and all like wow but it's nice that you go used to it :))
And yes girl please do a part 2! I'd love to learn more xx
I was surprised too! I was like I knew there was tax to be added on at the end but 15%?! Aweee yes I'll definitely do a part 2! Thanks for watching gal! 😊💛
Also it will depend on what province as to what the pst will be and some provinces like Nova Scotia only have an HST which they put the gst and pst together. I like that you tried to fill people in that it can be different depending on province. Unfortunately with picking to live in BC you picked one of the most expensive provinces to live in.
Haha yep loved living in BC so much but it was very expensive.
@@BethGould I love it on the prairies here in Sask but does get colder than BC.
Yes, taxes are 15% here in Quebec
I literally had no idea that tax was January to December either 🤷🏻♀️
Ohhhh thank god I was waiting to get roasted out here by other people being like how didn’t you know 😂 also let me know if you need hp when you do your next tax because I can help with the foreign income bit (it’s a drainer)
I hear a lot of good things about Canada. My friends used to live there and said people are nice but they had some bad experiences too. I’m curious to see how your experience will be 🤔
I think it's been a bit of both! I guess it's probably like that in any country though! 😊😊
Beth Gould good point
I'm thinking of moving to Canada to call it my new home in 32 years time. I'm from Northern Territory,Australia. At the moment i am working so hard saving up to buy my home in Canada!!!. Because i chose to live in Canada hopefully in 32years time when i am 70yrs old i'm 38 now. Becuase of the weather and climate. I am not sure if Canadians would love to see a Native Full Blood Aboriginal who is living in Canada selling Australian Aboriginal Art there but who knows what will happen. Plus i might land me a job in teaching Culture at high schools and other places. I love being apart of culture i've always wanted to meet an Native Indian tribe and learn about their culture and be apart of Nature itself. I do Traditional Painting i paint on Plywood and this year i am going to start using my art and build coffee tables and sell them. I am a graphic designer who creates emojis. And one day i hope i see myself in my own home in Canada! by the way back in the 90's i was going to school in Darwin,Australia and we had a soccer teacher who came from Toronto to teach soccer,I never was into soccer but playing the sport was fun!!! Anyways i cannot wait to call Canada my new home in 32years time I am looking forward to it.!!!!!
This is all so exciting! Wishing you all the best! 😊😊😊
I’m also a graphic designer but Canadian. It would be awesome if you come. You would have no problem visiting a First Nations (if your speaking more relaxed most say native or indigenous not really aboriginals here) reservation but you would have to probably go when they have a celebration. Best is during a pow wow. Also it is very expensive in the housing market here. If you are moving to Toronto you best be a millionaire because that is less then the average price, even for a good condo. Think outside the city. Also if your moving at 70yrs old you may not be staying. At that point you have nothing to offer Canada as a senior. It would be much more difficult unless you were sponsored by a wife.
Next door in Alberta all we have is the 5% GST. No PST or HST. Only province in Canada like that. No Alberta government will try to put in a provincial sales tax because they know in the next election they'd be defeated and the incoming government would get rid of it again.
Yes I've heard about that! Some people recommended working on a ski resort in Alberta rather than BC because of this.
I haven’t see a cheque for over a decade. I live in Vancouver and I’ve heard of some rentals wanting pre made cheques (don’t rent from them) but most rent now is done via email money transfers.
Yeah our new rental in Vancouver is done by etransfer, it's so good 😊
OMG, I'm so related to the content you mention in the video!!! I'm also new to Canada (pretty new tho) and I was lived in Sydney before. Anyway, just feeling that I finally found someone shares the same ideas!!
Omg YES! Where abouts in Canada are you living?! I'm so glad we're on the same page! 😂🙌💛
tax in alberta is 5% while BC or everywhere else is 12% on all things not Vegetables, Meat or Dairy
Pretty much haha
omg YAY finally here! 😍🙌🏼
oooh wow I never knew about the 12%! good to know for sure!
It’s a draaaainer like 12% cmon BC let us catch a break 😫😫😂😂
Thought I would check on new working holiday people here in BC (I'm in Victoria), Ive been here for almost a decade now after coming on a working holiday visa, lots of good information here for people.
I would say that cheques have gotten increasingly uncommon, I think I've only ever sent a cheque or received a cheque from the government.
Being from the UK, the tax rate here is pretty good, the UK uses VAT and its at 20%, but you don't see it as its in the price.
Hope you're still enjoying Canada!
Thank you so much!! 😊hope you're doing well & staying safe!!
You got the GST, PST, HST bit wrong. GST=federal sales tax, PST=Provincial tax, HST=PST+GST. Some provinces just show HST. others show PST&GST. - its an either or situation.
Good to know, thank you! 😊
Thank you for the link beth
Wow the data thing actually blew my mind! You pay 60 dollars for 8 GB? I live in Denmark and I pay 17 dollars for 60 GB!!!
Right!!! It's insane!!! Woah Denmark sounds so good! I wonder what Australia is like now... 💛
I think the conversion rates really make such a difference! I pay £30 for 10gb in Northern Ireland, it’s so so different everywhere!!😂❤️
That's crazy! In Australia I pay $50 for 60GB
@@crazyandtimid5608 Whaat that's crazy! :O
I'm in the US and have unlimited data, I literally haven't thought about how much data I use, so I just checked my data usage and it is 0.91GB for the first half of April. Looks like I'll use 2GB by the end of the month. Not trying to reduce my data usage at all (since it's unlimited).
Ohhh nice! That's impressive :)
I have unlimited everything on my phone and it's $112 a month. I remember like 7 years ago or more my phone was only $40 with unlimited data and text (no long distance calling) and now I pay $72 more which is crazy. When I hear about other countries easily paying half or less of what I pay for the same thing I just... Die a little inside lol
I know hey it's insane how expensive it is here! I know it's not really a big deal but it's so strange!
@@BethGould It is because the telecoms behave as monopolies and the federal and provincial governments let them do it. Corruption. What else is new, eh? (There's a Canadianism for you!)
I follow an Australian guy named Shane on RUclips who has a guitar channel. He shows the prices for new guitars in Australia and it almost gave me a heart attack! ACK!!! A Fender Squier Stratocaster Standard is about $350 new. In Australia it is over twice that much! I could hardly believe my ears when he showed us that because these guitars are made almost exclusively in Indonesia, and it is MUCH closer to Australia than it is to Canada. I think Australian importers are putting the screws to you poor Australians because the value of our two currencies isn't that much different. And also, manufacturers from the US and Japan, etc., are really gouging people in Australia. Your feds should lower the boom on these people but you can bank on governments doing very little if anything in these matters. It makes me wonder how many dollars are seeping into Swiss bank accounts ...
I totally agree with you here. The points you made are need to know. Thankfully now the cheques are starting to drift away but never like receiving cheques or going to a bank. I know these are minor inconvieniences but just saying. I like this video a lot. So helpful. I am watching more abt australia now bec im hoping to live and explore there for a couple of years.
Definitely only minor inconveniences but I think they're just helpful to know! So glad you liked the video, hope you get to live in Australia one day, it's such a beautiful country! 😊
This was so interesting!! I know nothing about Canada so was great to hear 😊
Glad you liked it gal! Thanks for watching! 💛✨😊
The USA tax year is January to December as well. Though they get 15 days less to file than Canadians.
Ohh really? I didn't know they had less time!
I spent a year in Vancouver on a working holiday visa back in 2019. Did you work up on grouse mountain by any chance?
Ohhh nice! How did you like it? I didn't but I did go there! 😊
@@BethGould It was a hate love relationship for me. The nature is so beautiful but it could rly bum me out that I can't rly go out and enjoy it quz of the constant overcast, rain and fog. Well atleast during October - April or so.
@@BethGould Would you pls do a Vancouver vs Melbourne type video? I'm a little interested in Melbourne currently. Like how often do you rly have to deal with the scary animals and critters? Can you even rly go out on any sort of hikes due to either deadly animals and critters or just due to a lack of cool nature? Quz I'm under the impression that Melbourne, as a city, is rly nice, while it may lack cool nature, but havnt been there before so dont know lol.
@@BethGould Also like how does the summer bush fires affect people living in Melbourne? It sounds like it would be very dangerous and toxic having the smoke coming to the cities. Also, how's the weather? If you could compare it with Vancouvers, that's be awesome.
Just so you'll know, HST and GST are different. You past either Federal GST and Provincial PST, or HST, which includes both.
Thanks for sharing!
At least in Canada sales tax only changes between provinces, here in the US every county has different sales taxes (there are 3,006 different counties in the US).
Ohhh wow I didn't know that!
These are so good to know!! Actually tips that help people. How weird is it that you need a credit card
I have never done a check before and always thought of online transactions
Aw thank you! I hope they help! 😍 It's so strange! If I could go back in time to when I first got here I would get a credit card straight away, it's gets so frustrating having to use a travel card!
Just to clarify the credit/debit, I’m with Scotia bank and you can use your debit card like it’s a credit card online and in places like hotels, and the taxes not be included on the shelf prices drives us nuts too lol
Hahaha it's always a guess when you get to the register 😂
There was a deal with virgin that may be still on, I upgraded from the 8 gig to 12 gig for 55$ . A great credit card alternative in Canada is KOHO, it's a free bank account that has a reloadable credit card, it shows up as a real card not a reloadable one. I have regular credit cards but I love my KOHO card because I can load it with an interac transfer in a few minutes from my regular bank account.
Thanks for sharing! 😊
LOL A Tax Year is "A Year" = January - December... I cannot imagine a Tax "Year" starting in July... wow! Interesting!
Haha I get that!
THANK YOU SO MUCH FOR THE INFO. I' M PLANNING TO MOVE TO CANADA (BRITISH COLUMBIA, AND PROBABLY WILL STUDY THERE TOO.) I'VE BEEN SEARCHIING INFO ABOUT SOUTHERN BRITISH COLUMBIA. IT CERTAINLY IS ONE OF THE MOST BEAUTIFUL PLACES IN CANADA AND WITH MILD WINTERS. HOWEVER, IT'S ONE OF THE MOST EXPENSIVE PLACES IN CANADA.
You're welcome! Glad you found it helpful! Good luck with the move!! 😊
@@BethGould THANKS SO MUCH SWEETIE!!! WHAT WAS THE MOST DIFFICULT THING YOU HAD TO ADAPT TO?
moved here in canada from the philippines, im in Saskatchewan, i have just had enough of winter,12 yrs..been home in the philippines for vacation 2 x and now trying to research Australia, lol...
Oh I totally get that, I hear the winters there are harsh, I think you'd love Australia 😊
You being from a warm climate picked the wrong province to deal with winter. Saskatchewan is just stupid cold ...BC would have been likely more tolerable
@@marklittle8805 yeah, thanks hopefully i can move to Bc, in the right time, bcause ryt now i dont have any money to pay expenses but, im hoping so..
I totally agree, the prairies have really harsh winters. I live in Alberta, moved here from northern Ontario where the winters are much more tolerable, and enjoyable.
In Canada, we pay some of the highest rates in the world for internet and mobile data.
Interesting how it's different in each country!
I am not sure why people around you are using cheques. My pay for years along with most people I know receive direct deposit for their pay. I use VISA debit card or PayPal to buy online. Very rarely do I use credit for online purchases, but yes, a credit card is need for hotels and bar tabs.
Thanks for sharing! :)
I hope you're ok after being thrown off so many things in Canada, sounds like a scary place haha seriously but loved the video thankful for your insight
I’m fine! Haha it’s honestly not scary at all it’s super nice over here! 💛 thanks for watching! 😊
I'm still pretty young, but I'm researching the U.S because I'm so determined to move to America.
You got this! :)
@@BethGould Thank you!🥰
Omg I’m planning to move to Austria so this has definitely inspired me to do my research!
Martyna yaaaaas how exciting!!! Definitely start researching gal even if it’s just a few things every now and then (so you don’t get overwhelmed) it all helps in the long run! 🥰
My husband has a credit card only because we needed to do deposits for our wedding and honeymoon. I have a debit Visa for online and Paypal. I still have cheques in my maiden name. Haven't written one in years. My mom-in-law writes birthday and Christmas cheques.
Thanks for sharing 😊
Living here in Ontario I haven't written or received a cheque for 20 years.
Landlords typically want cheques. But that is the only thing I use them for.
Interesting to hear! Thanks for sharing
Alberta is a province that amalgamates taxes into shelf price. Moving to B.C. as a teen annoyed me because of not paying shelf price.
Ohhh I didn't know that!
Canada is definitely behind with most technology. And I agree that needing a credit card sucks. I have a visa debit card and even still there are some online stores that don’t except it. Best of luck here in Canada 🇨🇦.
So frustrating when it doesn't work when you're purchasing something online! I made a paypal account and I've been able to buy things through that with my debit card linked to it! But sometimes I have to use my travel card when paypal isn't an option.
Thank you!! 😊
The PST/GST/HST part of the bill is labelled strangely...
HST is technically PST + GST (12% in your case). In Ontario it will just be labelled as HST on your receipt (13% in this province). Your bill showing GST/HST is really showing the GST portion only of HST (I. E. The line above with PST is the other part of the HST).
Thanks for sharing!
I love this video, so many interesting things I didn’t know! You should definitely make a part 2!💞
Awee yay so glad you liked it! Part 2 is on the wayyyyy 😊💛
It was really weird to hear that you need to have a credit card in Canada. I'm not into credit cards as they drain the budget. It's really curious 😯
It threw me off too! 😫💛
There is no tax on anything essential I.e. No tax ever on groceries.
Thanks for sharing!
Hey I’m wondering who you went through for your working visa.?
I did the visa myself through the Canadian government website but I found my job through IEP and they also help with visas!
I really wanna move to Australia soon as I’ve been planning for ages. (From Canada btw) just wondering if you know the process well and things I’ll need to do or watch out for. I’m looking to move there permanently if possible.
If you’re under 35 look up a working holiday and then work things out when you get here. :)
I'm sorry I'm not entirely sure on the process of moving to Australia from Canada and I'd hate to give you the wrong information!
@@HYroglif thank you for the info! I’ll definitely look into it. I really appreciate it!
@@BethGould I appreciate the response a lot and honesty. Thank you, and love the vids!
I live in Ontario and groceries are not taxable...
Thank you for sharing!
I’m an Ex-Pat Brit. You’re quite right in your defining of some of the major differences between Australia, the US, and Canada but you must take some of that responsibility on board as you didn’t do due diligence in your preparations for your move. That said, I hope you’re adjusting to our differences. Best. Dr. Stu Maclean, Halifax, NS.
I said at the start I didn’t do my research, I take full responsibility 😊
Great video! Very helpful and informative 🙂 My partner and I have considered potentially moving to Canada in the future so this tips are definitely noted
Awwee thank you so much gal! Also thank you for watching so many of my videos so glad you're liking them! 😊💛
Nice vid mate👍🏻
Is it better than Melbourne living which isn’t hard to beat these days
Cheers mate
Thank you! They're both very different!
Thanks Beth I bet!
What about construction in and around the ski areas and a little further out than right in the middle
I worked and lived in aspen for a few months and that was magic
Thanks for the reply any extra information on the questions would be great if not take care of ya self your channel is really nice 👍🏻
Cheers mate
The US also uses direct deposit. The taxes sound so overwhelming. Thanks for sharing the site you use to do your tax. Can’t wait to use it! 😁
Edit: Does it only work in Canada?
Omemawa G the tax was definitely a little overwhelming at first, I feel like if I had of done a some research first it would have helped sooo much! When I first went to buy something and saw the price go up at the checkout I was so shocked! I think simple tax is only a Canadian site but I’m not 100% sure!
Also thank you so much for watching! ✨😊
Beth Gould is different parts of Canada different when it comes to tax and how was the people? Nice ? Hehe
There is no added taxes on grocery purchases so I don't know where you buy your groceries but I'd quit going there, or I'd report them. I also live in B.C. I know there is some added tax on some grocery store items. I believe pop and candy is taxed and probably prepared food from the deli section for example. But most everything else is not taxed.
Feel free to correct me my fellow Canadians.
Maybe I should have clarified that I wasn't saying ALL grocery items were taxed. Thanks for sharing!
I was on a WHV in Canada, and just came across your channel. I also did zero research into Canada before moving. 😂 The getting paid in cheques got me. Also have to mail off documents instead of being able to submit online. Why do I have to mail a change of address form?
Omg the mailing off documents is the worst! Haha like literally WHYYYY 😂