MAY MATITIRA PA BA SA SAHOD MO SA CANADA? | HIGH TAXES AND DEDUCTIONS | BUHAY CANADA
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Wishing you the best in your future endeavors in Canada. Being truthful and sharing sound assessment of living in Canada is like. A lot of dreamers have so much expectation and sometimes, are not willing to adjust as needed. Also, many Filipinos are so entangled with keeping up with the Joneses.
Brod hwag ka ng mag compute ng equivalent na pesos tangagapin mo na na one is to one Gaston’s mo dyan sa Canada
Ayos iyan, importante may kita. Blessing iyan pati OT, extra income. Hataw lang habang bata pa. Think of work as a hobby that you need to do day in, day out. Do not think of it as a job, do not count the hours, just do it and enjoy. Of course, pahinga rin for family time. Sa Canada o US, you're still a newbie until you hit the 5 year mark of working straight with no lay offs or gaps in employment. Time is dollars.😊
Correct po! Salamat sa panonood! 🙂
Don’t worry about deductions, there’s automatic savings for your future sa RRSP and Gov pension
Paano po kapag closed working permit and 2 yrs contract lang, may ganan kaltas din po ba rrsp and gov pension o federal tax lang?
What RRSP? Lol! That only applies if you contribute!
That's not true. You have to pay for RRSPs on your own, and it is not automatic. Pension (while it is automatic) will be based on what happens when you reach pension age, and you may not be guaranteed by the time you retire.
Hindi naman lahat tax at para sa government. Actually yung Federal tax lang diretso sa coffers ng government, the rest para sa inyo lahat. Gov Pen and RRSP are savings for your Old age. EI para kung mawalan ng trabaho at yung Grp Ins eh para sa extra health benefits like dental and your massages. So hindi lahat pasawala, most are for you.
Tama po kayo. 🙂
good day alwin, i’m mervin me my wife and daughter is moving in calgary this week, been watching some of your videos since we planned n mg canada, very inspiring ung mga videos nyo and informative din..keep it up alwin & emma & zion hahahah😊😊😊
Wow see you here in Calgary!! God bless sa inyo! 🙂
@@alwinemma❤
Mas malaki ang tax, mas malaki take home pay.. and despite all those deductions, Ur take home pay can still cover all Ur essentials.. also the taxes make the canada a great country as what it is now..
Agree po. 🙂
Discretionary income is very low though. You'll need as much income after taxes and expenses to save up for downpayment on a residence.
Pensions and Tax is the biggest scam of the government
Sa akin nga every pay check ko ang total dectuction ko nasa almost $500 per check ko … sa California ang laki ng tax dectuble for Federal Tax and State Tax ko. Every two week din ito….
Laki din po! Ingat po jan!
Boss, pwede mong gawing FHSA or ipa deduct as RRSP yun overtime mo para maging tax deductible since you mentioned before na your planning to buy a house in the future para makabawas ng tax. Check you tax bracket to better maximize tax deduction.
Federal Tax lang yun actual tax sa payslip mo which is a combination of federal and provincial tax. The rest of the deductions are different types of insurance and retirement plan.
You have to have a financial adviser to advice you how much you need to buy just so you don't have to pay for your income tax,especially if your company is not deducting you for your RRSP.
Sana po sir while vlogging po mas maganda po sana sa daan po nakaharap ung camera po para makita po namin ganda ng canada . hehe thank you po god bless
I agree with this comment. Para nakikita Ang view.. Suggestion lang po😊
Noted po dito and salamat po sa inyo! 🙂
@@alwinemma thank you so much and god bless po sa family mo
More blessings to come sir
Alwin & family. Palagi lang po mag iingat. 🥰❤️
Salamat po! 🙂
Depending on your employer, Mas madami deductions on Quebec side, in addition we have Quebec parental plan, Quebec income tax and other deductions are Quebec taxable benefit, dues union, supplementary death benefit, disability insurance, work pension
Ohh, ang dami nga po.
Maganda pa rin diyan. Taxes collected are used well to help its citizens
Yes po. 🙂
Sir youtube pay out na lang bawi... Ganun tlga, ipalagay mo na lang na kasama sa content mo yung day to day learnings and struggles.. Yun nman ang tlga ang gusto ng mga kababayan natin yung tunay na buhay at pakikipagsapalaran
Tama po
Praise God! Dami work! Kailangan dagdag staff
Yes po. Salamat po!
Ayos yan, kayod lang. Laging mag ipon, mamaya may bahay na kayo. Payo lang, kung maiiwasan huwag mag vlog habang nagmamaneho. Ingat.
Salamat po!
Maraming nag promote na maganda ang calgary kaya dadami ang demand so ibig sabihin maraming pupunta jan kaya tataas din jan ang mga bahay at rent..Tama sinabi mo idol halos d na nagkakalayo sila ng vancouver at toronto
Oo nga sunod sunod na ito sa big cities.
Instead of overtime pay, puwede niyo din kuning ang overtime hours as a "day off in-lieu" for a future date. Kung baga parang reserbang bakasyon niyo. Pero depende sa company kung payag sila dun. Sa totoo lang sobrang liit ang minimum wage dito sa Alberta...hindi abot pang bayad ng renta at pagkain tapos magpapadala pa ng pera sa pinas. Kung may pagkakataon po kayo makahanap ng mas mataas na sahod, lumipat po kayo.
Yes po ito ay panimula lang din po at tuloy lang din po ang apply para sa mas mataas na sahod. Salamat po!
Thank you po Sana May part2 Ganda po ng advices nyo
Salamat po!
Kaya madami akong kilala virtual assistant hindi talaga nag dedeclare ng income makukurakot lang kasi. Kahit 100k/month ka pa sa pinas mahirap din pag nagkasakit ka kasi ng malala ubos ang pera mo kahit 1m+ pa yan atleast dyan sa canaba burado na yung worry na ganun.
Tama po kayo. 🙂
Di rin nman bsta ng babayad ka ng benefits, tska 100k/month is deymm good sa Pinas madamin nmng ngkakasakit sa pinas pero di nmn aabot ng milyon bsta my insurance ka nasa tamang pg latag lng yan tol
Rrsp is savings mo yan and it is tax deductible...
Basta ingat ka lang palagi damit pahinga ka din huwag palaging ng over time matulog paaga para may lakas ka vit every day
Pre pag ganyan busy talaga need na ng pang gabi haha purely picking
Soon po sana makapasa ako ng nclex this year para makapunta na rin po ako jan as a nurse ❤
🙏🙏🙏
Why Canada?.Why not apply to USA ,because they have higher pay,My niece works as a nurse at San Francisco General Hospital and makes 150 an hour.
Kung titingnan nyo ang gross nyo po is $1800 then nag overtime kayo at net nyo is $1800+. Para na rin kayo nag overtime para sa tax😃. Pero ok lang yan kasi nga meron naman napupuntahan ang tax na binabayad natin dito sa Canada
Hello po! Madali lang po kaya makakahanap ng work ang hubby ko jan kung sa hvac po ang linya nya. Plano po nmin mag apply ng SP+OWP.
Sir kapag pala naka lapit ka sa Camera kamukha mo si Atty.Larry Gadon😅
Boss, marami pba hiring jan forklift driver? Sana ganyan din work ko pag dating jan sa Canada..ingat po kayo lagi..alagaan ang kalusogan.😊
Boss paano mag apply as warehouseman andito po ako kuwait .
high tax but you get free health care and free allowance for your kids till 18
OT lang ng OT hanggat meron. Pag sahod naman tanggal pagod😅😂
Hello po...ingat po kayo ng family mo...Godbless🙏💚❤️🇵🇭
Salamat po!
kung tax lang ang paguusapan, mas mataas pa rin binabayaran na tax sa PH. isama mo pa ung vat na 12%. using PH tax calculator, ang income tax po ng php 227,000 monthly gross income divided by 2 ay 25k php or 595 cad. 445 cad lang ung federal tax sa canada. ang masakit lang na deduction is ung govt pension and rrsp kaya kung overall deduction ang paguusapan mas malaki nga sa canada. tanong ko na lang rin po kung may mandatory annual bonus ba na natatanggap ang employees ng canada katulad ng 13th month pay sa ph? ty
Uhmmm.... there's also Provincial Income tax in Canada
@@robocop581tama po. kung federal + provincial tax around 650 cad na agad kung same salary compared sa ph na around ~600 cad ung equivalent tax
New friend here. 😊 Where jn Canada po kayo? Grabe ang mahal nga ng tax dito. Malaki sahod. Malaki din kaltas haha
Dito kami sa Alberta. San po kayo? 🙂
Sir baka may hiring po dyan sa warehouse na pnagwoworkan nyo po. Tga dto lng dn po ako sa Calgary SE. bka mtulungan nyo po ako
Kayod lang HANGGAT bata, kasi pag tumanda wala na at importante rin ang Savings
Agree po. 🙂
Hello po sir … I’ve been watching all your vlogs.. Dito ako sa Philippines.. ask ko lang if may hiring po ba diyan ng forklift operator? Are they giving LMIA po ba kahit andito pa Pinas ang balak mag-apply diyan?
Hello po. Wala pong LMIA yung sa company ko po. You can try sa Indeed or Jobbank po.
Bro confidential ang paystub baka mabutasan ka ng employer mo
I'll tell you honestly about pension... your pension is NOT sufficient once you get retired. Why I'm telling this I'm been here 39 years and getting retired. Your state pension is not enough you need to invest two more private pension to secure decent retirement or your option is to go home
This after working for many years at clinic a professional job..but still not enough because of higher inflation and higher taxes
The maximum Gov't pension is $1, 330 a month I believe
@@robocop581 and very few gets this amt. You hv to work 40yrs at max contribution to get the max cpp pension. The realistic number is close to half the amt for most.
Specifically if you’re still renting, your pension will not be enough to sustain the lifestyle here.
Mahirap po ba makahanap ng work pag dating po dyan? What's the best option of studies 1yr or 2yrs po? Thank you.. All the Best Sir Alwin and family
Average lang po.
Hmm, depende po kasi sa maraming factors like CRS score nyo, funds, and PR pathway. Need nyo po iconsider un sa pagpili.
Sa makati ramdam namin ang tax. Libre school at gamit pati India forms. Libre hospitals at gamot
Ganyan po sana sa lahat.🙂🙏
Yaan mo kuya ddating ung time
Na yang sinahod mo ng with Overatime
Is sasahurin mo na ng walang OT 😊
Amen. 🙏🙏🙏
@@alwinemma un lang kuya Tamad na ko mag OT hahahaha
Hello sir, good day! Ask ko lang po kung pwde kayo ma-Pr as a forklift operator? salamat..
Di po ito skilled job. Bale po explore pa po ang other options.
Baka po hiring sa inyo for forklift operator para sa owp ko.😊 We will be arriving on fri. This week..
Abang lang po sa indeed. Magpost po sila if mag- open na. 🙂 Dot po ang name ng company.
Hello po. Kailangan pa po ba ng training para maging forklift operator?
Wag ka kasi mag convert para hindi masakit haha.
😅
Boss wag mo eh convert sa peso kasi dollars din gastos mo dito kung tutusin yan malit pa yan sahod mo boss sa inflation ngayun
Yes po nasabi ko rin po na maliit pa rin talaga itong sahod ko. Shinare ko lang po para sa mga nagtatanong. 🙂
It’s good that he shared the breakdown of his paystub, at least he’s telling the truth and not sugar coating!
Boss anu gamit mo cam or phone dito sa vlog mo
Sir paano nyo ittax yung sa doordash? Need nyo ba itrack lahat ng pumapasok na income para maipresent sa darating na tax filing?
Meron daw po ipprovide na tax document si doordash para magamit sa pag file ng tax next year.
OK well nice
Thanks for watching!
What is RSPS po sir/ Ma’am?
sir, ilang % po ba ang tax ng alberta? Akala ko po 5% lang. Salamat po
Depende, I think. Dito sa US pag single ka mas malaki ang kaltas, pero pag married ka with kids mas mababa.
@@jane_7777 Salamat po. Sa Canada po ang tinatanong ko at hindi sa US.
dalawa ang tax sa canada : federal at provincial. Sa federal kung less than ~50K income mo, ang tax ay 15%. Pag lagpas ~50k itatav ung sobra sa 20.5% hngng ~ 100k na income. Pg lgpas ng ~100k itatax ng 26% etc. Sa provincial, iba iba bawat probinsya. Sa Alberta , pg less than ~134K income mo, 10% ang tax etc. Iyong 5% n cnabi mo ay tax ng bilihin.
Baka may hiring po sainyo sir. Kakadating namin nung july 11 po. Thank u
As of now wala pa po pero mag update po ako uli pag meron na.
Ok lang yan. Kya mo yan
Hi Alain n Emma new subscriber ako from Ca… u said ur getting $22 an hour. How much us that convert to US dollars?
Based sa Google po, my current rate is equivalent to 17usd per hour. Baguhan lang po sa Canada. 🙂
@@alwinemma thank u… U heard of Carino family jan din sa Canada. U think ok duon kau mag move out I mean their place looks nice.
grabe no, kung may pamilya kapa sa pinas, padadala mo ang 1000CAD then 800 nalang matitira sayo, bayad mo pa sa bahay nasa 500 per room, 300 nalang matira sayo then diyan kukunin ang pagkain mo
Kaya nga po. Kaya diskarte rin talaga.
Curious lang po ako tanong lang po ako why do you always convert sa Philippine peso ang salary, expenses, etc.
Siguro po ganun pag bago, di maiwasan 😅 Hopefully next year maalis na ang convert na sakit 😅
@@alwinemmaganun ako nung kakadating lang sa NZ, but mga after 3 yrs e naka adjust na. Thats the time na na realize ko yung napakadaming benefits ng binabayaran naming high tax
good day sir, confused lang ako. Ang OWP po ba ay 40hrs per week lang ang allowed na trabaho? o pwedeng lumagpas? salamat po
Pwede lumagpas
@@alwinemma Thank you po
Ilang years poba para maging resident jn. Dapat bago punta jn may working visa . Meron po bng CMA job jn?
Hello! Depende po sa pathway ang years para maging resident. Not aware po ano ang CMA?
Not bad napo cguro for 1st year living in Canada po noh. Pero halus pareho lang po sahod dito sa pinas sa tax mopo, haha
Yes po. Kaya maganda po dito ay mag-upgrade. Dahil sa umpisa lang po ganyan talaga ang sweldo. 🙂
@@alwinemma salamat uli sir alwin
Sir alwin hiring pdin po ba jan sa company nyo po?
Sahod po yan ng 2 weeks?
Grabe parang ayaw ko na tumuloy sa mcdonalds ah. Haha
Bakit naman sir? Hehe
nakita ko warehouse nyo pre last week. ang laki pala ng DOT haha
Saya g di tyonagkita dto sa Calgary
@@alwinemma busy kasi pre. nag edmonton pa kami.
Sir, nalalaman/check ba in advance kung may tax refund at the end of the calendar year?
Usually pag newcomer lang po ang may refund. Pero wala po ako idea pano malalaman agad.
usually.Computed n ng HR ang tax mo at the end of the yr... posibleng may kunti kng tax refund or babayaran...
SAN KA NAGWOWIRK BRO SA CANADA MARAMI DIN BAYARIN PA AFTER SAHOD RENT NG HOUSE CAR FOODS KAYA UUBOS DIN SAHOD
Forklift lang po
Don't blame it all to BIR examiners,kung walang tax payers na maglagay walang din corruption.
Sir ano work mo dati sa pilipinas
Hello sir. My hiring poba sainyo? I'm from dubai sir. Thanks
Hello po! Di lang po nag ooffer ng LMIA uny sa company po namin.
Kapag may health benefits kayo sa work pati hosiptal at prescription drugs ay libre.
💖
Talagang dapat mi trabaho sa US AT CANADA
Tama po. 🙂
Buti nga ung mi mga blogger na tulad nio naipppkita ung salary alam ng mga taga Pinas na di nmmmitas ng pera sa Canada & US
Yes po. 🙂
boss pano ang explanation dyan sa sinasabing 5% tax lang daw sa alberta pero bakit ang laki pala?
The 5% in Alberta is what they call Goods and Services tax or GST in short. It means for every dollar a person spend in Alberta, must pay gst of .05 cents so the total bill is $1.05. The money that was used to pay for the $1.05, which is the salary had been taxed already by the government. Then every yr on the end of April, we have to file income tax. There is a big possibility that if you earned $$$, you might have to pay another tax or get a refund.
Note that sales tax varies in every province. I’m from Ontario our sales tax is 13% and it is called harmonized sales tax or HST in short. It is a combination of PST 8% and gst 5%. Try to google it to find more info.
Ano po gamit nyo camera pang vlog?
Osmo action 2 po. 🙂
OUCH!
Sir how much po rent ko sa apartment?
1600 na po
Hello po. Ano po work nyo ngaun?
Forklift operator po
Health insurance po libre dyan?
Meron free po ang province. Pero meron din mga extended healthcare na pwede nyo bayaran for more coverage
dental, physio, chiro etc d sagot ng gobyerno kya kengn mo bili ins either through employment or personal.
Maganda nga lang sa CANADA AT US mi nakkkita ung tax saan napppunta not like in PINAS asan na nakkkatakot pa baka kung saan mapunta in the end walang parusa sa mga nanllloko di nmn pwede na lang pppunta lagi sa Tulfo In Action
Agree po. 💯
Maliit naman po tax sa pinas at di naman po mahal ang cost of living me mga insurance naman po para sa health at di mandatory na deduction sa salary tax kita nyo naman difference at take note gumaganda na rin economy ng pinas just wait and see ang buhay ay parang gulong lang malay mo maging mayaman pinas later on dahil. Mayaman tayo sa natural and human resources
😊☺😀
Your wages is peanut
Okay 👌
@@alwinemma ask for more..
actually he is lucky to hv 22.5/hr lalo pa at bago lng sa canada. Most newcomers are earning the minimum wage of 15...and even those who are at least 5yrs in canada are eatning the minimum.
Laki po talaga ng tax. Scam din si Canada 🥲
Madaming tao namamatay ng maaga sa overwork and burn-out. 1 in 2 Canadians will get cancer in their lifetime. In the end useless din ang free healthcare.
Thank you for your comment po. Kaya tama po, dapat hinay hinay din. 👌
Trabaho kyo ng trabaho dyan kakailangan nyo tlaga health care😂 nagiipon kyo ng sakit😂
Ok po. 🙂 Swerte nyo po di nyo kailangan ng healthcare 🙂
wag mo ng ikompara ang pinas kc ang pinas maraming kurap
mas lalong dapat ikumpara, para makapag desisyon ng tama ang mga kababayan natin na may plano mag migrate sa Canada. hindi yan paninira, kundi pagbibigay ng magandang payo sa nakakarami
gahamal talaga to sa pera! pinag yayabang pa sahod nya.....kuri kuripot kaya gahamal sa pera, tapos sasabihin pa kakarampot lng sahod nya pero ang dami nag hihirap mag ka pera lng...
Naku boss di ko alam ang problema nyo po. 😅 Sa dami nagvvlog ng sahod reveal, info ang shnshare po nila. Wala po maiyayabang sakin kasi slightly above minimum lang sahod ko. 😅
He’s not showing off, he’s just showing the facts!!! Unlike other Filipinos na puro yabang and sinungaling sa sweldo nila!
oki lang naman e.down mo ang pilipinas dahil totoo naman hahaha
tax sa pinas hahaha... hopeless😂
Sana maging maayos din ang gobyerno natin sa Pinas 🙏