Being in Canada, you have to be financially intelligent. In Jamaica, I can easily pick anything off a tree and have meals for months without buying food. Also, in Jamaica, we don't have to use daycare...I could easily ask a trusted friend or family member to watch my kids. I didn't need a credit history to buy my home...things are just easier and I never thought of being bankrupt. In CANADA, that's another story. You have to be smart else you will suffer. Canada is a beautiful place but you can easily be BROKE!
The 1st thing I did as early as 2018, I started to watch various TH-camrs who have already migrated to Canada. At that time, I didn't even know how I was gonna get here. By the time I reach here, not long ago, I already knew the questions to asked when I was opening my bank accounts and getting a credit card. I also knew that credit check could reduce my credit score. All this I learnt from watching Marina and a few others. Another thing was that I changed my mindset that it would be a bed of roses. I came here understanding I had to work twice as hard- not necessarily working 2 jobs lol but being intentional. I also learnt about value village lol... the 1st clothes store I went. Canada is beautiful, have opportunities and may give you that strong passport but it takes a strong mindset. If I wasn't prepared, believe me, I would have returned home almost 2 weeks after landed. It can be depressing and daunting when you are job hunting and people asking you if you on work permit or PR lol... I've been driving since 2012 and came here and basically have to go through a process to continue driving here... You will also have to decide whether you can afford Airbnb or stay with someone... none of the options is without its own challenges... I could go on and on... but my bottom line is, coming here, one has to be humble and meticulous. Oh another thing, after just 2 weeks, I was almost scammed... people may call your phone pretending to be a bank. Now being a Jamaican I'm not easily scammed but these people are so smart and sent an email looking like it's from my bank, then called me to verify😂... I was just about to when I remember this TH-camr from Ontario- I keep forgetting her name, shared something on her channel smh. When I called the bank... wasn't them and they have been hacked lol. Listen, Canada is nice but be prepared. 😅❤
@@Tracey-Nichole thank you so much. I started researching about Canada since 2019 and finally I’m here in 2023. I thank God for TH-camrs like Marina and others. I get invaluable information from them and I keep asking more questions. Thank you for being part of my information source lol. I see a very bright future ahead. I really need to know all the smart moves yeah.
I live in Nigeria and I agree. While the economy here is terrible and a lot of people are broke it’s still easier to be broke abroad. Here I can always call a friend or a family member to house me for a while or send me some cash but this would be difficult in a country like Canada.
Nigeria sounds a lot like Jamaica. I use to sell dresses to my coworkers from my car back.😂 Canada is the land of opportunities but the opportunities come with sacrifices!!!!
In America our friends and family will give money or gift cards for a Weddings, Anniversaries, College graduations, etc. So maybe it is because I have always been a working class black American. But I have Mexian, White and Asian friends and they all do it.
Thats amazing. It doesn't seem to be the default culture here from what I have seen, even among people who work. Good to know that it happens. Thanks as always for sharing.
Thank you so much Marina. Am so happy you took time to answer my question. Planning is a huge deal. Iiving below your means is key so surprises don't really throw one off. ❤
Thanks for the information ma but I don't agree with the statement that is easier to be broke in Canada than in Nigeria... maybe u can say this years back but not now .....is just that Canada has a very high standard of living when compared to Nigeria,i tell you, you have to been doing well for u to maintain the kind of standard of living in Canada here in Nigeria,let me start from rent in Nigeria,here in Benin City where i live,the average rent for a year is 300k for a room and a palour, imagine a family man earning 50k a month which will be 600k annually, remove 300k from 600k for rent then there will be 300k left, trust me a family of three can't live of 300k annually..a pot of soup now is 3 to 4k on an average now.a bag of rice is roughly 63k now and that can't last for a year for a family of three,u will still pay school fees which has gone try the roof the average school in my area is 35k per term for primary school,I can go on and on ma,I wonder how it even possible to compare Nigeria to Canada.. those ppl that u said a spraying dollars,ask them how they got the money,I am not saying rich ppl in Nigeria are criminals but try to find out u will hear so many things these ppl are doing to make money,see if u decide not to get your hands dirty here just prepare your self to suffer, bcoz there's a higher chances of u living in poverty...I will tell u is easier to start a business in Canada than in Nigeria when it come to funds because u can easily access a loan, there's one woman in my area who is carry bread on her head every morning to supply to customers with pregnancy just to feed her self, husband and children,her husband is partially blind ,so u wanna tell me if someone offer to borrow that woman money to start a business she won't grab it?? Please Nigeria is casted now,so don't compare Nigeria with Canada at all....ppl dey live on gbese for years for Nigeria too o, abeg who dey dash person money for Nigeria abeg tell me make i go meet am too to collect my own oo,ppl dey suffer o for Nigeria o, those ppl way dey do all kind of things for Facebook to get views u think say na their clear eyes,na money them dey find oo...my take is if we Carry the hustling spirit we have here in Nigeria to Canada,there no how we won't make it there....
I compared both countries on specific parameters and i still maintain that your chances of survival in Nigeria without money is still better than Canada. Bottom line, let everybody work and have something to fall back on.
Hi Marina, I was informed upon arrival that there are policies that guide tenants and that landlords can not take out a tenant even when they are unable to pay rent hence landlords are always demanding tenants especially new comers pay like 6months rent before hand. Truly you can easily go into debt in Canada than Nigeria
This was not the case, say 8 years ago. This is something recent because housing is becoming a problem, and landlords do not want people to just leave in their houses and then up and leave. At least if they charge them 6 months in advance, they have nothing to lose if the tenant decides to leave in 4 months.
The housing crisis is making it tougher for landlords to trust their houses to newcomers. A lot of the tenancy laws appear to favour tenants so landlords do what they can to make sure they dont run at a loss.
I agree with the things you said... the system is so credit driven and so if people don't plan and make wise financial decisions they'll easily get broke. Thank you so much for sharing 😊
There is no few cash in Nigeria. The standard of living is very low in Nigeria and many developing countries. Most developed countries works on credit to so that the poor and middle class can afford the most basic things.
Thanks for sharing Marina! These are lessons people need to understand before coming here. It also helps “black taxers” understand the realities we’re faced with here. P.s If you see that side hussle, show us the way 😂
People are lawless in Nigeria including leaders. In any system where rules are not obeyed, it is an invitation to chaos and anarchy. In the advanced countries, knowledge is power and you need deep rooted knowledge and understanding to survive.
People still disobey rules even in the advanced countries. As for Nigeria, remember that in a state of lawlessness, it could be an offence too be law abiding.
@@MARINAESIRI We are talking of the critical mass of people disobeying the rules. In the advanced countries only a very few disobeying the rules and there are systems-in place to identify them and apply consequence management. This is unlike a place like Nigeria where it fashionable to disobey the rules with reckless abandon.
Sist Nigeria broke cannot be compared to that of those living in Canada, UK etc. Canada is well organised and ready for the people but Nigeria on the contrary is a big joke. People are really suffering here. I can say just 5% of the citizens are living well aside the politicians. So broke in Nigeria is the real deal
The difference is, in Nigeria if you're broke and have no way to survive in Nigeria you have the option to go back the the village in a final resort. Also, many Nigerians are very generous and are willing to offer support. In the West, it's not so. For example, in the US, you have to be a citizen to get any government assistance. If you're a permanent resident, you cannot get government benefits.
I dont totally agree. Canada isn't as organized as you think. If not, we will not be having the kind of crisis that we are seeing in the news. The chances of survival as a broke person in Nigeria is still better than a broke person in Canada. The access to cash is different for both people in my opinion.
@@MARINAESIRI They are the ones pretending to Africans that Canada is rosy, Been in Canada for 21yrs now and living in Toronto with a stable job I agree with everything you are saying, when I just came to Canada the US dollar was like a dollar or two difference, few days ago I went to send 250 US dollars I had to pay 371 Canadian dollars to a new comer you do not realize it but us that has been here for long we see things going down rapidly
The mortgage am paying in Canada for two bedrooms can build two big mighty, solid concrete houses back home. There is the good and bad in every country, but we need for people to understand that Canada is not a bed of roses so as to come prepared.
Canada's quality of life index is the third globally. As one of the worlds very best countries only the very best immigrants will be successful here. Fluent English language literacy is essential.
Interesting. Thank You for your response. The honours program of what department? Any reason you are using the American spelling of honours? @@CanadaSucksNow
You seem to be struggling to justify your argument. You may have lost touch with today life in Nigeria 🇳🇬 . Talk about inflation? Don't even go there pls
Watch the video again and this time, with an open mind. I was specific in what I compared and it is from my lived experience as well as what I see around. You are welcome to have a counter opinion.
@@MARINAESIRI Most do not listen to understand what you are saying, we live in a world where I have to hear what I like or is sweet in my ears. Truth is irritating to people
The reason why I think you may not be as broke here as in Nigeria is because , as a salary earner in Nigeria, govt may not pay salary for 3 months and counting. That can really put you on financial set back. But here, I know my money will come every two weeks and it helps me to plan better.
It depends on one's definition of rich. This has to be done on an individual basis. Do your self introspection and research for which country would help you live your rich life. My rich life is self actualisation and travel. Living abroad gives me this opportunity For an acquaintance of mine, being able to owe someone and no one disturbs him, being able to sleep with a girl he picks on the road and just buy her catfish pepper soup and being called Odogwu by his gateman, junior colleagues at work is his idea of a rich life . Living abroad is thus not an option, people here would call him by his name😅, even kids. Girls would not hop into his car and won't act impressed by his money or be impressed by him buying them a drink, and of course he can't owe his bills and get away with it.
Awwww🥰 Thank you Marina for throwing more light on this topic ❤
You are so welcome. I am happy to see more of us talking about this. Well done!
Being in Canada, you have to be financially intelligent. In Jamaica, I can easily pick anything off a tree and have meals for months without buying food. Also, in Jamaica, we don't have to use daycare...I could easily ask a trusted friend or family member to watch my kids. I didn't need a credit history to buy my home...things are just easier and I never thought of being bankrupt. In CANADA, that's another story. You have to be smart else you will suffer. Canada is a beautiful place but you can easily be BROKE!
Nothing else to add. Captured so nicely.
Please share tips on how to work smart in Canada. I hear it a lot but no one says how. Please help a sister with information.
The 1st thing I did as early as 2018, I started to watch various TH-camrs who have already migrated to Canada. At that time, I didn't even know how I was gonna get here. By the time I reach here, not long ago, I already knew the questions to asked when I was opening my bank accounts and getting a credit card. I also knew that credit check could reduce my credit score. All this I learnt from watching Marina and a few others. Another thing was that I changed my mindset that it would be a bed of roses. I came here understanding I had to work twice as hard- not necessarily working 2 jobs lol but being intentional. I also learnt about value village lol... the 1st clothes store I went. Canada is beautiful, have opportunities and may give you that strong passport but it takes a strong mindset. If I wasn't prepared, believe me, I would have returned home almost 2 weeks after landed. It can be depressing and daunting when you are job hunting and people asking you if you on work permit or PR lol... I've been driving since 2012 and came here and basically have to go through a process to continue driving here... You will also have to decide whether you can afford Airbnb or stay with someone... none of the options is without its own challenges... I could go on and on... but my bottom line is, coming here, one has to be humble and meticulous. Oh another thing, after just 2 weeks, I was almost scammed... people may call your phone pretending to be a bank. Now being a Jamaican I'm not easily scammed but these people are so smart and sent an email looking like it's from my bank, then called me to verify😂... I was just about to when I remember this TH-camr from Ontario- I keep forgetting her name, shared something on her channel smh. When I called the bank... wasn't them and they have been hacked lol. Listen, Canada is nice but be prepared. 😅❤
@@Tracey-Nichole thank you so much. I started researching about Canada since 2019 and finally I’m here in 2023. I thank God for TH-camrs like Marina and others. I get invaluable information from them and I keep asking more questions. Thank you for being part of my information source lol. I see a very bright future ahead. I really need to know all the smart moves yeah.
@@SweetgirlOma Two words twice: Higher Education / Language Training
Very well said!!! I’m so glad Marina could validate what we said because most people think we make things up. Thank you 😊👍🏽❤️
That hair colour really really popping❤
Thanks mama 😘
"Research and plan so you won't be part of those saying Canada is bad." (A word is enough for the wise). Thank you Marina for being as real as always.
You are welcome anytime 😊
I live in Nigeria and I agree. While the economy here is terrible and a lot of people are broke it’s still easier to be broke abroad. Here I can always call a friend or a family member to house me for a while or send me some cash but this would be difficult in a country like Canada.
Thanks for sharing that. Exactly the point!
Nigeria sounds a lot like Jamaica. I use to sell dresses to my coworkers from my car back.😂
Canada is the land of opportunities but the opportunities come with sacrifices!!!!
I miss being able to buy things like that. I can't wait 5 days for online orders to be delivered, lol
@@MARINAESIRI lol
Nigeria is nothing like Jamaica.
I'm new in your channel and for sure your videos are very informative
many thanks and welcome!
In America our friends and family will give money or gift cards for a Weddings, Anniversaries, College graduations, etc. So maybe it is because I have always been a working class black American. But I have Mexian, White and Asian friends and they all do it.
Thats amazing. It doesn't seem to be the default culture here from what I have seen, even among people who work. Good to know that it happens. Thanks as always for sharing.
Thank you so much Marina. Am so happy you took time to answer my question. Planning is a huge deal. Iiving below your means is key so surprises don't really throw one off. ❤
Glad it was helpful!
Thanks for the information ma but I don't agree with the statement that is easier to be broke in Canada than in Nigeria... maybe u can say this years back but not now .....is just that Canada has a very high standard of living when compared to Nigeria,i tell you, you have to been doing well for u to maintain the kind of standard of living in Canada here in Nigeria,let me start from rent in Nigeria,here in Benin City where i live,the average rent for a year is 300k for a room and a palour, imagine a family man earning 50k a month which will be 600k annually, remove 300k from 600k for rent then there will be 300k left, trust me a family of three can't live of 300k annually..a pot of soup now is 3 to 4k on an average now.a bag of rice is roughly 63k now and that can't last for a year for a family of three,u will still pay school fees which has gone try the roof the average school in my area is 35k per term for primary school,I can go on and on ma,I wonder how it even possible to compare Nigeria to Canada.. those ppl that u said a spraying dollars,ask them how they got the money,I am not saying rich ppl in Nigeria are criminals but try to find out u will hear so many things these ppl are doing to make money,see if u decide not to get your hands dirty here just prepare your self to suffer, bcoz there's a higher chances of u living in poverty...I will tell u is easier to start a business in Canada than in Nigeria when it come to funds because u can easily access a loan, there's one woman in my area who is carry bread on her head every morning to supply to customers with pregnancy just to feed her self, husband and children,her husband is partially blind ,so u wanna tell me if someone offer to borrow that woman money to start a business she won't grab it??
Please Nigeria is casted now,so don't compare Nigeria with Canada at all....ppl dey live on gbese for years for Nigeria too o, abeg who dey dash person money for Nigeria abeg tell me make i go meet am too to collect my own oo,ppl dey suffer o for Nigeria o, those ppl way dey do all kind of things for Facebook to get views u think say na their clear eyes,na money them dey find oo...my take is if we Carry the hustling spirit we have here in Nigeria to Canada,there no how we won't make it there....
I compared both countries on specific parameters and i still maintain that your chances of survival in Nigeria without money is still better than Canada. Bottom line, let everybody work and have something to fall back on.
Hi Marina, I was informed upon arrival that there are policies that guide tenants and that landlords can not take out a tenant even when they are unable to pay rent hence landlords are always demanding tenants especially new comers pay like 6months rent before hand.
Truly you can easily go into debt in Canada than Nigeria
This was not the case, say 8 years ago. This is something recent because housing is becoming a problem, and landlords do not want people to just leave in their houses and then up and leave. At least if they charge them 6 months in advance, they have nothing to lose if the tenant decides to leave in 4 months.
@@Flourish_todaywow so unfair to migrants
The housing crisis is making it tougher for landlords to trust their houses to newcomers. A lot of the tenancy laws appear to favour tenants so landlords do what they can to make sure they dont run at a loss.
You're one of the biggest Nigerian youtuber in Canada, thanks for the advise ma ❤😊❤❤👍👍🤝
Wow, thank you
I agree with you on collaboration
Planning is the key...thank you Marina ❤
Absolutely!!
I agree with the things you said... the system is so credit driven and so if people don't plan and make wise financial decisions they'll easily get broke.
Thank you so much for sharing 😊
There is no few cash in Nigeria. The standard of living is very low in Nigeria and many developing countries. Most developed countries works on credit to so that the poor and middle class can afford the most basic things.
There is actually more free cash in Nigeria from my experience.
@@MARINAESIRI I suppose for the rich not the majority of Nigerians.
Thanks for sharing Marina! These are lessons people need to understand before coming here. It also helps “black taxers” understand the realities we’re faced with here.
P.s If you see that side hussle, show us the way 😂
We are still searching. Will definitely share what i find.
People are lawless in Nigeria including leaders. In any system where rules are not obeyed, it is an invitation to chaos and anarchy. In the advanced countries, knowledge is power and you need deep rooted knowledge and understanding to survive.
People still disobey rules even in the advanced countries. As for Nigeria, remember that in a state of lawlessness, it could be an offence too be law abiding.
@@MARINAESIRI We are talking of the critical mass of people disobeying the rules. In the advanced countries only a very few disobeying the rules and there are systems-in place to identify them and apply consequence management. This is unlike a place like Nigeria where it fashionable to disobey the rules with reckless abandon.
Marina, thank you so much. People do not understand how hard things work here.
You're so welcome!
First🎉
Thank you
You're welcome
Sist Nigeria broke cannot be compared to that of those living in Canada, UK etc. Canada is well organised and ready for the people but Nigeria on the contrary is a big joke. People are really suffering here. I can say just 5% of the citizens are living well aside the politicians. So broke in Nigeria is the real deal
The difference is, in Nigeria if you're broke and have no way to survive in Nigeria you have the option to go back the the village in a final resort. Also, many Nigerians are very generous and are willing to offer support. In the West, it's not so. For example, in the US, you have to be a citizen to get any government assistance. If you're a permanent resident, you cannot get government benefits.
I dont totally agree. Canada isn't as organized as you think. If not, we will not be having the kind of crisis that we are seeing in the news. The chances of survival as a broke person in Nigeria is still better than a broke person in Canada. The access to cash is different for both people in my opinion.
@@MARINAESIRI They are the ones pretending to Africans that Canada is rosy, Been in Canada for 21yrs now and living in Toronto with a stable job I agree with everything you are saying, when I just came to Canada the US dollar was like a dollar or two difference, few days ago I went to send 250 US dollars I had to pay 371 Canadian dollars to a new comer you do not realize it but us that has been here for long we see things going down rapidly
Thank you, Marina. Planning is all it takes. With God on our side.
Absolutely 💯. All the best!
Please do a video on which country is easier to get richer in ' Nigeria or Canada' 😂
Just flip the video and you may just have the answer, lol
Paying rent yearly sounds weird. Do they also pay mortgage yearly in Nigeria?
Most buy their homes outright in Nigeria. Mortgage interest rate is 20%, so it's unrealistic to take out a mortgage.
We even pay two years advance for rent here in Ghana
Some people pay up to 2 years rent in advance. Feels weird now thinking about it.
We dont do mortgages in nigeria. You own your house outright.
The mortgage am paying in Canada for two bedrooms can build two big mighty, solid concrete houses back home. There is the good and bad in every country, but we need for people to understand that Canada is not a bed of roses so as to come prepared.
Is lack of financial literacy.also ppl you hug around.
❤
Second 😂.....👍
This is scary
Canada's quality of life index is the third globally. As one of the worlds very best countries only the very best immigrants will be successful here. Fluent English language literacy is essential.
What is your education level?
@@CanadaSucksNow
Interesting. Thank You for your response. The honours program of what department? Any reason you are using the American spelling of honours?
@@CanadaSucksNow
I have a PhD in Education from McGill. Maybe I can be a connection?
@@CanadaSucksNow
You think so, maybe you have to listen to more people, and I mean educated ones too.
You seem to be struggling to justify your argument. You may have lost touch with today life in Nigeria 🇳🇬 . Talk about inflation? Don't even go there pls
Watch the video again and this time, with an open mind. I was specific in what I compared and it is from my lived experience as well as what I see around. You are welcome to have a counter opinion.
@@MARINAESIRI Most do not listen to understand what you are saying, we live in a world where I have to hear what I like or is sweet in my ears. Truth is irritating to people
Please do a video on which country is easier to get richer in ' Nigeria or Canada' 😂
Hahahaha, if we flip this video, it may just answer the question.
The reason why I think you may not be as broke here as in Nigeria is because , as a salary earner in Nigeria, govt may not pay salary for 3 months and counting. That can really put you on financial set back. But here, I know my money will come every two weeks and it helps me to plan better.
It depends on one's definition of rich.
This has to be done on an individual basis. Do your self introspection and research for which country would help you live your rich life.
My rich life is self actualisation and travel. Living abroad gives me this opportunity
For an acquaintance of mine, being able to owe someone and no one disturbs him, being able to sleep with a girl he picks on the road and just buy her catfish pepper soup and being called Odogwu by his gateman, junior colleagues at work is his idea of a rich life . Living abroad is thus not an option, people here would call him by his name😅, even kids. Girls would not hop into his car and won't act impressed by his money or be impressed by him buying them a drink, and of course he can't owe his bills and get away with it.