汽車費用你們計算小了兩大部份：1: wear and tear，汽車brake pad 和車軚 ， 加上小維修。每年預算c)1400.，即使今年用不上，儲起預算，下一年可以一次維修用上1，2千。另2) 車的，replacement。一般舊車可再用上十年八年，假使下一架車budget 是一萬，十年后換，即你們現在要 budget 儲蓄another c$100. 另一般車主會購買CAA road side assistance ，每年年費約c$ 100 to c 200
I believe they can cut down the unnecessary dining-out ($700) and entertainment ($750) by a half, that will save more than $600 and the total monthly expenses may make it to around $4,000. Also I believe their total monthly incomes before taxes must be more than $7000. With this earning, I still really doubt they will have any saving. It is quite difficult to get a decent living in Canada in terms of financial matters. I think (please correct me if I am wrong) majority of Chinese could make less than $4000 a month, a couple who earns a total of $8000 ($6000 after income taxes and then plus to pay 12% sale taxes for any purchases) could barely make a basic living for a family of 3 or 4 without saving or travel expenses (especially trips to Asia).
thanks for sharing!! as I'm moving to there this Summer, I'm trying to plan well such as how to make use of credit cards' promotions and offers, however, one RBC staff told me that when holding more credit cards will affect personal credit score, may I know is it true? how to mange it well? thanks a lot
The answer is both YES and NO. When applying for new credit cards, the bank will perform a hard inquiry to check your credit score. Multiple hard inquiries in a short period can temporarily lower your score. However, if you pay off your credit card bills on time, the score will recover quickly. Additionally, having multiple credit cards means your overall credit utilization will be lower, which is beneficial for building a good credit score. Good luck!
@@dicksonau9054 我有跟開他們的channel, 他們一個本是原公司transfer 來，另一個是graduated from USA, (當有北美經濟）。 Ps . 看行業，local u graduates or plus post graduate, 有七，八年expetiences，年薪八，九萬都普遍的。年薪十五，廿萬才算高薪。
Depends on what is included and how much liability is covered by the insurance. The premium for purchasing a $100K third party liability will be significantly different from a $1.00M. The history and age of the condo is also a factor, as the insurance costs for an older building will very likely be higher than a brand new property.
thanks Kyle & Sophia, after calculation I'm so shock too, my expenditure on food can be that high.. a 4 persons family Monthly Groceries: $700 - $800 (excludes the superstore, costco, walmart) Dining out: $900 - $1500 (every Sat & Sun lunch + dinner, sometime on weekdays) Car insurance: around $1800 x2 (2 cars). But still okay when the family has two persons working in full time. Suggestions to Save Money & generate wealth in Canada: Take advantage of Shopping Centres' Gift Cards promotion (like buy $300 get addition $25, can use in every shops in the malls), use fastfood or delivery apps' coupons to save and get points, and use the credit cards with air mile/points/cash back... Generate wealth (investments) -- try to take advantage of the first time home buyer (for citizen & PR) after the rate cut instead of spending $$$ on the rent. Utilize the RRSPs and TFSAs to benefit from tax and investment advantages...
@@aprilwoo5073 一般稅後收入是稅前的七，八成。至於能否有額外的餘錢去投資或儲蓄首期，是看各人如何理財，如果以儲蓄首期為priority ，可以不租獨立單位，先租套房，可以不養車，坐公車，car pool , 不外出用膳，pack lunch，＂pot luck＂，在這三大項支出節約。另開源:可加班或多做另一份part time. Work life balance 是指生活安定後的中產生活態度。對在生存掙扎中人群是夢想，是目標，不是必然。
![Diggy Graves - Red Vineyard [Official Lyric Video]](http://i.ytimg.com/vi/8Ro085T0mnQ/mqdefault.jpg)
汽車費用你們計算小了兩大部份：1: wear and tear，汽車brake pad 和車軚 ， 加上小維修。每年預算c)1400.，即使今年用不上，儲起預算，下一年可以一次維修用上1，2千。另2) 車的，replacement。一般舊車可再用上十年八年，假使下一架車budget 是一萬，十年后換，即你們現在要 budget 儲蓄another c$100. 另一般車主會購買CAA road side assistance ，每年年費約c$ 100 to c 200
出街食飯和娛樂增加是最高$200（40%）和$250（50%）.你提出向其他低%的去慳錢. 令人費解. 如果已決定出街食飯和娛樂不能減少, 就不能埋怨其他因素.
香港生活難,加拿大生活仲難,移民都係由一個火坑跳過去第二個火坑
聽到你們的年支付，我覺得在首都居住是超貴。自僱。無車、無外吃、一人一隻小狗。租金+租保、兩條電話線+上網、住排屋。電加媒（無用冷氣）每月$3500左右。😢
請問 首都是 Ottawa ?
@@LAURA-oz8ls 是的，渥太華。👍🏻
我觉得你地已经好平，我一家四口（两个细路），租独立屋一层，开自己车，养两条狗仔，一个月要洗成8千几。奇怪你地一个月超市只用600蚊，我一次Costco都要四百几，仲有T&T四五百，super store两百，walmart两三百。入油就一次95（2500cc camry）一个月入三次，两个细路仲要俾75蚊一个人嘅MSP，出街食饭一家人起码150一餐….最贵出去玩玩，去次Harrison就千几，去次yellow knife就几千…去个Victoria都五百….呢啲仲未计个仔读大学一年要成两三万（因为仲等紧批永居），所以有细路就完全唔同洗费
建議盡量少去旅行和外出用餐，去超市只買必須品, 就可以省很多錢。
溫哥華是生活成本昂貴的地方。八、九十年代從香港來的移民好多一到步起碼買兩間屋，多年來個雪球越滾越大，手上幾間屋一點也不出奇。呢班人現在已經年老，洗錢唔會計較，華人食肆現在的價格貴到離譜，但仍然爆到七彩。電台一日到黑都是美容院廣告和理財公司教你怎樣避稅和處理遺產慳稅，你就知溫哥華的華人幾有錢。我認識有些人都講唔上有錢，中產階級啦，一年去三次旅行。在溫哥華要生存，一個人起碼一年要七萬以上的年薪。奉勸想移民溫哥華的人要三思。香港好多方面比加拿大好。
How many percentage of Chinese could make $70,000 annually and what do they do??
@@VAN_AS62加拿大華人移民第二代專業人士不少呀：會計師，藥劑師，醫護人員，註冊社工，教師，技術人員，年薪七萬屬中產階級而已。
喺香港，你要面對污染同污糟嘅水，播國歌嗰陣如果你坐低，會畀人拉去坐監。
@@pikachu-mx6hi 污糟既水？？？污染？？？
我地全香港人 無咁既問題喎。
播加拿大國歌 個時你會點呀？
你去過 美國「反猶太」 未？
而家美國，你住緊既加拿大都有份支持 以色列 種族滅絕，你有無上街抗爭？ 反人類罪行，唔好同人講唔關你事呀！
@@pikachu-mx6hi Bull Sh*t
有能力的話真係要置業，不要租房住，細一點都好，始終房子是屬於自己的
每年交稅之後，加上係溫哥華生活指數高之外，小朋友洗費，日日周圍都整路，治安變差，好多印度... ，大病可能都要返香港醫 (好多朋友都要返港醫)，所以都開始plan 係唔係要留係度，過幾年我覺得會更差。有好多朋友都返去大陸或者日本住，衣食住行之平我真係無野可以講，佢地做啲小生意唔係賺好多錢，只係糊口，但物價平住屋平，生活無太大壓力。
為何返港醫， 無骨氣！
點樣去日本住？
@@tonyng2904 搭飛機去， 再犯法， 可住數年。
@@tonyng2904
娶日本妹，讀書 ，工作簽證 ，同埋嗰度搞生意， 或者最後旅居。
@@chuenmanlau8434
你喺加拿大應該未試過有大咩病 例如 生痔瘡 癌病等， 如果有醫院收或者醫到你 都唔使返香港醫啦
支持💯💯💯
加油💪💪💪
Thank you ;)
講真一句, 加拿大已經變晒質, 道友及難民隨街, 治安變差, 生活成本高, 房屋/租金價格高昂, 除非你係富貴人家, 一般工薪階層都生活壓力巨大, 剩唔到錢, 所以好多加拿大人都走去美國謀生
我知道好多人都係living pay cheque to pay cheque 生活唔容易😢
@@KyleKamTaco 寄望2025年大選能改變現狀吧！
@@yahushuahong9350
得罪講句
我覺得無返三五年都唔會有咩改善😢
始終個國家太多嘢要改變
而且唔係一時三刻做到
去美國咁易咩？美國冇問題?
@@KyleKamTaco 俾杜魯多條智障繼續玩落去，你地真係咩野寄望都無，
感覺近年來 多倫多每月的固定開銷（e.g.車保險和房租）已經比溫哥華高很多⋯⋯很難生存了😢
但很多人說多倫多的工作機會比溫哥華多🤔
你講得冇錯，電費水費溫哥華其他省費平好多好似我住卡加利電費一個月唔係點用都要$200 to 300. 水費都差唔多要$200。 真係好貴。
Very on 9 to move to Calgary because of Uncle Sam
我都有聽過地稅都係比較貴
Richmond 2房condo比緊電費約cad80兩個月，有冷氣暖氣。
五湖區嘅安省,水電費一樣超貴！
@@aatnakedSG 安省水費大多部份是在maintenance and repairment 不是 水源問題。同理：電和gas 很高% 去了delivery and consumer charges .
好在加拿大没有好像英国和澳洲那么多小赌场，我的意思是William hill和Tab，如果是很多的话，喜欢赌钱的朋友，可能更加存不到钱，我有两位表哥在外国打拼十多年存不到钱，就是这个原因。
要賭 一定會有窿路。阻不到的。
盡量慳多少少，儲多個錢旁身😢您地兩個要加油吖💪🏿👍🏿
多謝 我都覺得要！
拍完呢條片之後決定少啲出街食飯😣😣
@@KyleKamTaco加拿大有言論自由，但冇飲食同財務自由，搵錢艱、稅重、嘢太離地貴！
@@KL-xv5gj apple to apple, 香港那個行業搵錢容易，我在港朋友：有飲食業(有打工，開店），有做accounting service，有做I banker, 有做清潔，保安，全都搵錢不容易。
相反：這邊有min pay，最近都c$15/ 16 : hour , 做commercial cleaner retirement home 做dietary aide ，現在都升到c$23/ hour. Baker or chef 約c$20/ hour 起薪。
@@KyleKamTaco 對呀，改叫外賣，or 支持綱上小店。
我地兩個人幾年個陣有加拿大offer, 但計埋稅、花費、比屋企家用，每年得返HKD10+萬。可能每年返一返香港都洗埋，都無咩錢剩，所以就算lu。
不過都多謝你甘比心機拍片，比大家做參考。❤
Work life balance in Canada
賺加拿大錢就用加拿大式financial planning : 加拿大扣稅已包括Cpp供款，另公司可以有RRSP matching, 即類似（香港強積金），另old age allowance 是很高退休生活扌要claw back.
如果扣完所有開支都有10萬港元剩，可放入TFSA 投資，兩三年取賺取利潤返港一行也可。
Very good channel! Good couple👍
Thank you so much 👍
I believe they can cut down the unnecessary dining-out ($700) and entertainment ($750) by a half, that will save more than $600 and the total monthly expenses may make it to around $4,000.
Also I believe their total monthly incomes before taxes must be more than $7000. With this earning, I still really doubt they will have any saving.
It is quite difficult to get a decent living in Canada in terms of financial matters.
I think (please correct me if I am wrong) majority of Chinese could make less than $4000 a month, a couple who earns a total of $8000 ($6000 after income taxes and then plus to pay 12% sale taxes for any purchases) could barely make a basic living for a family of 3 or 4 without saving or travel expenses (especially trips to Asia).
I don’t know why, but Chinese people seem to particularly like eating out.
佢哋個支出表唔準㗎，佢哋買咗house, 都要供樓 / 地稅/ 水電煤/維修😂～ 雖然有租客幫手，但係house 其他開支未計入去，所以一個月肯定唔止$4600
佢條片唔係話租咩?
加拿大的華人業主通常不给租单，也不跟政府的现時 3.6 ？ 的加租规限去加，喜歡加幾多就幾多，以租不租由你的心態。
例如加 200元，一年便 2400. 但不要忘记，你搬一次屋都要花上幾千元，條數一樣。
因為有轉接期，一個月通知，同時找到新地方也要交租，一月要交兩間房屋租金。
當然業主胡亂加租可向政府投訴，但冇意思，投訢完，住下去也不开心。
建議可以私下同業主傾一個大家都能接受既方案。係業主既角度, 加租3.6% 是遠遠追不上利息, 通脹, 物業管理/ 保養開支，同地稅等既升幅.一般都係一年最多加租一次, 個人認為 20% 以內既加幅都係可以接受...
@@hangloong1251即是每月加 400, 无住客会接受的。
所以這么多人回流
thanks for sharing!! as I'm moving to there this Summer, I'm trying to plan well such as how to make use of credit cards' promotions and offers, however, one RBC staff told me that when holding more credit cards will affect personal credit score, may I know is it true? how to mange it well? thanks a lot
The answer is both YES and NO. When applying for new credit cards, the bank will perform a hard inquiry to check your credit score. Multiple hard inquiries in a short period can temporarily lower your score. However, if you pay off your credit card bills on time, the score will recover quickly. Additionally, having multiple credit cards means your overall credit utilization will be lower, which is beneficial for building a good credit score. Good luck!
@@KyleKamTaco much appreciated your reply, crystal clear now!!
唔好话温哥华，4600蚊，喺多伦多都好好使。主要係未有细路，二人世界最最最舒服了。🥲
在加拿大有細路，開支唔會比得兩公婆多好多, 就算小朋友有好多課餘活動，財政上都唔會係好大負擔。因為政府每個月都有Child Tax benefit, 一路去到小朋友滿十八歲為止。而且由懷孕開始到小朋友出生, 所有醫療費用都由MSP支付, 一個仙都唔駛自己俾...
講真你們二人家庭（沒有小朋友）每月洗費要$4,622，都幾高喔！所以你應該提供你們每月的大概收入，這樣你的觀眾就知道你們的每月支出佔你們的收入（稅後）幾多百分點 （每月可以儲到幾多錢？）。這樣他們就知道如果他們沒你們的收入那麼高，每月的支出可能就要低一D吧。
4600真係唔算好高啦。講緊生活唔係生存。扣除租金其實係2500兩個人，一個人每月洗1250，真係好好好正常。我要1900，仲未包出去娛樂例如打網球打golf之類的。
人地收入高
@@stephenn88 我記得他說過他推了一份有十萬年薪的工 呢（在Downtown番工）所以有D好奇他剛剛來到加拿大（無本地經驗），都可以找到一份work from home 和咁高人工的工作（應該高過十萬年薪酬果份），哈哈。
@@dicksonau9054 我有跟開他們的channel, 他們一個本是原公司transfer 來，另一個是graduated from USA, (當有北美經濟）。
Ps . 看行業，local u graduates or plus post graduate, 有七，八年expetiences，年薪八，九萬都普遍的。年薪十五，廿萬才算高薪。
豐儉由人，是各人生活style 不同，不是由收入而決定。衣食住行：衣：可以每季換，亦可以三，二，一年才換。食：可以外出，亦可以在家煮食，可以多肉，亦可以素食加豆科，補充蛋白質。住：單身，兩人可以租套房，行：如果工作需要，可以不要車，可以買non- owner car insurance policy，每年由50至200元不等，有需要時租短程或長途三天租車，不用為養車，維修而煩。
有個小小疑問, credit card 俾租金應該係 cash advance, 點解反而比用cash/etransfer慳到錢呢?
付款方式係用Chexy 第三方支付平台 透過信用卡俾租金Chexy 之後平台就直接e-transfer 俾業主 ;)
你可以透過以下連結申請Chexy 會有$15回贈獎賞
app.chexy.co?ref=UQigL8gDiaPHWumxLKKMOD0fgvz1
詳情可以參考呢條影片ruclips.net/video/638QoWMTHU8/видео.html&ab_channel=KyleKam
Enjoy life 🎉
Thank you 🙏🏻
我一家4口，唔計供樓，供車，車保，寬頻電話費，每月開支$1000😅😅😅
地稅？
@@sklai1907地稅3房單位$2600一年交一次，每個月$2xx左右。其實要平真係可以好平，啲豬牛靚到不得了，我們一家4口試過一個月唔出街食，$8xx搞惦，已計買醬米油鹽廁紙紙巾🧻所有雜費！
@@makfanny9357唔通成世唔出街食?
@@hellowingy 佢乜都唔計喎 , 供樓, 車, 保險又唔計, HAHA.
處處人口澎脹，就業困難，科技取代人力，大家只能盡力生存，已經不能奢望什麼理想生活，朋友不能當飯吃，大家窮則獨善其身還自在一点！
你地每月開支都唔少喎，不過錢係要搵黎洗既，除非你好似我一個獨孤精，無朋友，無嗜好，咁就慳好多😂
老實講反而以前喺香港慳好多
嚟到加拿大有咁多嘢玩 反而洗多咗錢😅
無啫😢
真😢佢哋仲未計平時要用嘅日用品。沖涼液🧴洗頭水、護髮素、洗面奶、牙膏、牙刷🪥洗潔精、洗衣粉、廁紙🧻百潔布、拖地消毒液等等，甚至睇醫生要買嘅藥💊仲有有時有啲突發支出，例如車cam壞咗，要買新。全部都係錢錢錢錢錢錢錢💵💵💵💵💵💵💵😮💨😮💨持家真困難
@@poonken8434 打錯字，改番🙏
你講嗰啲除咗買藥
我已經計晒落去超市買餸項目入邊😆
想請問你地用邊間Insurance Company咁抵呀？
租客保險用Square one 😉
加拿大出街食嘢貴到癲😅仲要比小費😅治安又差😅天氣又凍又冇啖好食😅搵食有艱難😅出入交通又唔方便😅衣食住行都冇一樣滿意😢 唯一最正係每日可以出去示威遊行，每日喺網上面 鬧杜魯多
交租點樣可以用 credit card?
付款方式係用Chexy 第三方支付平台 透過信用卡俾租金Chexy 之後平台就直接e-transfer 俾業主 ;)
你可以透過以下連結申請Chexy 會有$15回贈獎賞
app.chexy.co?ref=UQigL8gDiaPHWumxLKKMOD0fgvz1
詳情可以參考呢條影片ruclips.net/video/638QoWMTHU8/видео.html&ab_channel=KyleKam
Thanks a lot
溫哥華不了，一來 太貴，二來 太多 nancy . 後者係最重要因素。
其實要問 你為什麼要減少洗費 買樓 住大屋 樓按最小20年 真係不知明天發生什麼事 再講 萬稅國家生活 做高層 俾重稅 低收入 還可以 生活難捱😅
我现在richmond 租緊兩房condo cad2200 算幾平。電話费上年 back friday 轉去Fido cad29.99, 25GB 。 我楂HYBIRD 每月油費約CAD50。
$2200 直程抵到爛啦🍇🍇
Very affordable rent😂😂😂
我地係新西敏上年租一房都要$2200,黎緊加租,我地覺得都係儲唔到錢,決定返香港
Jimmy no wonder you are still renting after ten years 😂😂😂
想你講多啲 Hybrid
分析得好好
同隔離成日嘆咖啡扮窮賣慘嗰個好似平行世界咁
最攪笑係話溫哥華多倫多同香港差唔多
佢肯定喺香港無交過稅唔知香港交稅係平過加拿大幾多！
唔係 Vancouver 住，但都比 Like 你地講野
thank you
想問下你地係咪租d 管理公司既 condon, 所以先可以用信用卡交租?
我哋係直接同業主租樓 每個月e-transfer 租金俾業主
並唔係物業管理公司
付款方式係用Chexy 第三方支付平台 透過信用卡俾租金Chexy 之後平台就直接e-transfer 俾業主 ;)
你可以透過以下連結申請Chexy 會有$15回贈獎賞
app.chexy.co?ref=UQigL8gDiaPHWumxLKKMOD0fgvz1
詳情可以參考呢條影片ruclips.net/video/638QoWMTHU8/видео.html&ab_channel=KyleKam
同物管公司租樓,要小心啲睇清楚條款,如果吾係到退租時按金必有損失
Thanks for sharing. why your tenant insurance 咁平既... 我係Toronto, 2BR condo, $350 per year. but i bought from a broker.. is online broker cheaper?
比較過應該上網買係最平
我哋係用square one
Depends on what is included and how much liability is covered by the insurance. The premium for purchasing a $100K third party liability will be significantly different from a $1.00M. The history and age of the condo is also a factor, as the insurance costs for an older building will very likely be higher than a brand new property.
你們用那一家internet provider? 為什麼可以這麼便宜？
Shaw 問多幾個agent
之後揀過最平嘅👍🏻
通常要簽二年約先有特價, 價格特別平既 plan 通常會有好多附帶條件, 簽之前要睇清楚。
thanks Kyle & Sophia, after calculation I'm so shock too, my expenditure on food can be that high.. a 4 persons family Monthly Groceries: $700 - $800 (excludes the superstore, costco, walmart) Dining out: $900 - $1500 (every Sat & Sun lunch + dinner, sometime on weekdays) Car insurance: around $1800 x2 (2 cars). But still okay when the family has two persons working in full time. Suggestions to Save Money & generate wealth in Canada: Take advantage of Shopping Centres' Gift Cards promotion (like buy $300 get addition $25, can use in every shops in the malls), use fastfood or delivery apps' coupons to save and get points, and use the credit cards with air mile/points/cash back...
Generate wealth (investments) -- try to take advantage of the first time home buyer (for citizen & PR) after the rate cut instead of spending $$$ on the rent. Utilize the RRSPs and TFSAs to benefit from tax and investment advantages...
THX
Thank you for watching 🙏🏻
可唔可以拍多啲美國片😭, YT冇乜廣東話關於美國啲片
咁記得多啲支持我哋
可以嘅話我哋都會想落美國拍片💯
請問你用邊間上網？
Shaw
我唔係住加拿大嘅，但係出去食飯係咪可以唔比tips，片段7:23部收錢機可以按“skip”
Are you on99
@@stephenn88 I think you're more on99 than me
通常外賣自取就唔使俾
但係堂食就要俾啦
@@KyleKamTaco 有例外, 例如快餐店, 自助餐, 同越南餐廳, 堂食都唔使俾Tips。
你哋咁少用車 唔知點解要每一年換兩三次機油嘅呢 應該兩三年 更換 一次機油就差唔多 可以查下係咪車房欺騙你哋叫你哋 頻繁的換機油呢 可以上網查下 換油嘅頻率
Kol 講嘅嘢， 信 100% (滿分 1000%）。
認真答你
因為機油經過heat cycle 之後裏面嘅添加物就會開始氧化
時間一耐就失去保護引擎的作用
所以最好就大約12000km
內或六個月換一次機油
換機油好平
換引擎好貴😉
請問點解你哋交租可以用信用卡？
付款方式係用Chexy 第三方支付平台 透過信用卡俾租金Chexy 之後平台就直接e-transfer 俾業主 ;)
你可以透過以下連結申請Chexy 會有$15回贈獎賞
app.chexy.co?ref=UQigL8gDiaPHWumxLKKMOD0fgvz1
詳情可以參考呢條影片ruclips.net/video/638QoWMTHU8/видео.html&ab_channel=KyleKam
阿省稅低樓平,最適合拚搏年輕人
但比較少人肯去 大多選擇留在溫哥華多倫多 日日可以食茶記 然後擺上網放閃 以為好威 實則貼錢返工 餐搵餐食餐餐清
@@alanleung29 主要係搵工難, 同天氣問題....
What about savings? Are there any money left?
Saving: 政府每月已強迫儲蓄：cpp 供款，Ohip premium ，可能再加上employee extended health insurance, RRSP 儲蓄，(不是強迫，但有incentive，同時公司可能match) ，另EI （失業時，每兩星期有50％人工，但有ceiling ，即使高薪者Max 都是c$688 per week. ）
@@dovemc6452 Does it mean no money for extra investment? Then how could I save money for property buying?
@@aprilwoo5073 besides monthly tax deduction , government has tax incentive program for savings: such as TFSA , first time home buying program .
@@aprilwoo5073 一般稅後收入是稅前的七，八成。至於能否有額外的餘錢去投資或儲蓄首期，是看各人如何理財，如果以儲蓄首期為priority ，可以不租獨立單位，先租套房，可以不養車，坐公車，car pool , 不外出用膳，pack lunch，＂pot luck＂，在這三大項支出節約。另開源:可加班或多做另一份part time.
Work life balance 是指生活安定後的中產生活態度。對在生存掙扎中人群是夢想，是目標，不是必然。
@@aprilwoo5073 if saving for primary residence, government has different tax incentive program for first time home buyer .
一房一den先2183
我都想租到咁平😢
溫哥華車保電費真係好平呀
電費真係比較平
車保就要睇你有幾多年經驗 住咩地區 唔同型號嘅車都有好大關係😆
還有，中囯人有句話，無事出街少破财。
Toronto is more affortable, their dim sim is only half the price of that in Vancouver !
But you can’t do mountain biking in Toronto 😢
Vancouver is much niceer than Toronto
I think you like shopping at dollar store
@@KyleKamTacothere is no mountain in Toronto 😂😂😂
@@JRTRobbieif you like Indian, Toronto is a good place to be
第六項我完全沒𠕇。但其他各項都比你多。
相關你哋可能是'无饭夫妻 '。
1000蚊加紙一個月,一樣係溫哥華😆
咁平？
🫨🫨
加拿大治安好差，仲衰過英國，吸食大麻合法化，溫哥華好多（道友）
生活成本真是貴咗。
唯有量入為出🧠
电费唔使廿皮咁平，我一个月的电费是你們成年咁多。
我哋個單位細
除咗開暖氣之外冇乜電用🤣
如果你住在 BC， 一個月二百多元電費係遠高於正常, 係屬於超額用電。一間普通兩層獨立屋的每月電費就五十多元，即使在冬季也不超一百元！
@@hangloong1251 你舊式heat 燒 gas 就係咯。你無講呢條數，好蓉㗎。
Luxury life
只會更差， 稅還在加。
所以仍住在台灣
如果你真係香港人，點會覺得溫哥華貴架？你係澳門人扮香港人，滿口奇怪鄉音
邊有咁多錢移民加拿大！
一定要有工作技能，穩定咗就OK。
量入為出囉
呢個真🙏🏻
Baby coming ?
No la😁
@@KyleKamTaco 聪明，enjoy life；放心喎，世界上還有很多人喜歡生小孩，就讓他們生🤟
使費而不是洗費😀
多謝指正🙏🏻
想請問下上網有沒有限流量?
沒有；）
@@KyleKamTaco 上綱月費甘平45個幾蚊，方吾方便講系邊間公司？
@@scool-iv5ll Shaw
@@KyleKamTaco thanks
你两公婆唔洗咁慳 搵得到 大把錢剩🤭
香港系無甘多時間洗錢
感覺香港容易洗錢。出親街都要洗。。。
但香港消費項目多呢，衫褲鞋襪要講究名牌。朋友聚會又多。週末要同屋企人飲茶食飯.... 香港好多嘢㗎，價錢平啲，但多搞作呀。
貧賤不能移
鬼佬唔存錢,就是如此
You two are crying baby
Yes you are right! Thank you for watching ;)
平心一說， 全地球只得中國普遍變好， 而親美的國家日日差。
呢個真，恒指日日爆升
是的呀。疫情后格外明显
睇中共中央電視台睇得多？太幸福啦。哈哈哈
多謝提供笑話😅
@@mathieu8083 我看數據， 不看宣傳。
就算香港點樣變質，除非你好鍾意示威😅每日網上留言叫人出去示威，😅叫人衝自己鬆， 加拿大最適合自己 咁就永世留係加拿大，不過想永世留低加拿大最好自己越來越有錢
唔係示威既問題...而係香港已經無左法治, 每樣事情都政治化...樣樣野都關國安事，講句野都要左度右度...政府高壓管治令人窒息...已經再唔係可安居樂業之地...
@@hangloong1251你有冇上連登，有冇睇東方日報，日日揶揄政府批評高官，快啲去趁熱鬧啦
@@hangloong1251我唔覺喎
車方面睇你駕駛年資姐, 我P牌過黎一年要交9千車保...
師兄你係咪揸Tesla 🫨🫨
@@KyleKamTaco 係呀🫠送半年免費super charge，依半年都無任何車嘅洗費，但車保就好貴😂
想問下係咪model 3? 聽講model 3好似係車保好貴
@@mark0504 係model 3，所以我會做埋uber對沖返個車保😅
@@gogoray8792Tesla on99. Uber cannot cover the battery costs 😂😂😂
以為閣下在說 社會主義 !
那會是民主的加拿大!?😮.