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Increasing expenses - mortgage, inflation! Changing job?
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- เผยแพร่เมื่อ 15 ม.ค. 2022
- We talk about 3 things that we can do to counter increasing costs, inflation, mortgage payment increases and more!
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Disclaimer: These videos are our personal views and opinion, they should NOT be considered as legal advice. We are not affiliated with any government organization or division. We assume no liability for how the information on this channel is used or interpreted and hence take no responsibility for any decisions that is made with regards to your application based on the information shared on this channel.
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We don't like immigration agents - the ones' that aren't authorized by ICCRC and qualified to help you with your application in exchange for money - first of all, it's not legal to do that, and second of all, it's so easy that you don't really need paid help! We are a young couple who started their Canadian Immigration journey in 2018 and moved to Canada 3 days before the pandemic hit in March 2020. Over the course of our application, we have seen so many people getting screwed over by greedy / fraudulent and unauthorized immigration consultants who promise you the world in exchange for thousands of dollars and deliver a whole lot of NOTHING; to an extent that in many cases, the applications get rejected, due to their negligence.
Therefore, we are taking matters in our own hands. After months of research and our own experience of applying for a Canadian PR, we came up with an e-book series & this TH-cam channel which would include - errors to avoid, perfect sample documents (my own) and alternate ways of immigrating to Canada - 100 pages of absolute goldmine between these 3 e-books - no filters, no premium versions to these ebooks... everything is out there FOR FREE, for you to read and execute the process yourself! All we are doing in these ebooks is sharing our experience of applying for PR ourselves / structuring and pointing you in the right direction via various different resources that are available on IRCC's official website. The TH-cam channel will compliment the e-book and add some personality and entertainment to the entire process :-)
Volume 1: Step by step express entry process from know nothing about immigration all the way to getting an invitation to apply (ECA, IELTS etc). Download here - www.potatotalk...
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This was one of your best videos so far for me. Being resilient and believing in our capabilities surely pays off. 👏💕.
You guys are really awesome 👍👍👍👍👍
The way you really break down every component of life and giving as much detailed information 👍
Awesome job guys keep it up
My favourites❤️ Though I haven’t met you in person but through your vlogs it seems I am standing on your side..Love you both
Thank you Muskan 🙌🤗
Another amazing video!! Thanks for sharing such good tips! We learn a lot from you.
My favorite TH-camr . $760,000 just in two weeks Mrs Charlotte Junko Walsh you are so amazing.
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ASAP.
13:31 Looks like Simran is regreting it why she said that in the first place😂. Love u guys and the knowledge you always help us with 💯🙏
👏
That fail fast bit- you're spot on. If you had to learn about something, say a business, you'd have taken classes which is also expensive with no chance of measurable return because you'd as it is have to invest in the business. There maybe some advantage in monetarily, time or experience but nobody can say that for sure. So it's always a good idea to try
You guys are truly amazing.
Lots of love n blessings.
Thank you so much for the inspiration...
By the way, payment doesn’t go up but your interest part increases and your equity part in payment shrinks. When you come up for renewal, and if you not paid enough equity to maintain that payment, you might have to either increase your amortization period again or your payment. In Canada majority of us are locked for 5 years so we will be affected when renewal comes. Also the only way our payment can go up if interest surpass the qualifying rate. Which can happen but chances are less. Right now that interest rate is around 5.4 percent.
Not true my friend :)
Most mortgages are adjustable variable rate. Do check with your bank which one is yours’ ARM or VRM. qualifying rate is 5.25%
@@Potatotalkies , you are right but i was specifically talking about variable mortgage with fixed payments. I can’t agree or deny which one people take more or which one more get offered by Canadian banks. As I have all three with my 3 houses. It comes to which lender or mortgage broker you go to. All three come with their own advantages or disadvantages.
This is what happens when you print money and pay to the people who already have enough of it . Your fiscal deficit increases along with inflation. It's nothing that can't be controlled but it may take several years . Love from lucknow sir. ❤
At the end of the day money 💰💰 is very important. With money power you are there.
1st shuqriyah for these strong informations 🌻🌻
✌🏻it’s really cool how u guys plan things
I saw you guys today at Warriach Meats around 9 Pm. I did not expect you guys so I didn’t recognise you at that time, but later it just clicked.
Haha 😀 koi na, next time 👍
Canadian government has done extremely well for last few years to keep most Canadians in DEBT TRAP. Navjot ji: By increasing salary by 20K and qualifying for100K higher mortgage, are we not increasing the DEBT trap for new immigrants? Increasing house prices are only helping older immigrants but newer immigrants are getting their hands badly burnt.
It depends. If I use the 100K to buy a 500K property, it appreciates to 700K - I sell and pull out 300K before taxes and pay off my primary accommodation almost 70% and be debt free in 5 years 😀
So, the moral of the story is - we can either use this maths to blame the govt or use it to make more money - it’s up to us and how we think 😀
Totally agree! Real Estate only goes up…
You can ask for more money but corporations have a solution for that, they are bringing more immigrants so the supply of labour would be more than the jobs available.
Interesting! Nice video.✌️
Consistent quality content 👍🏻
Very important and informative video....Thank you 🙂
👏👏
Audio glitch. Only cld hear from right side more after half of video
Yes :(
Yeah :/
No worries ! Bt video was informative.
Gyan is good 😊
Hi Navjot thank you for sharing a positive perspective. Can you make a video on mortgage license, how to start, from where to do it and how much is the license for and approx. Income. I am likely to move to Canada by Aug-Sept 2022.
Soon
Always with valuable information 👍🥰
Thank you
Hey do you think this rise in salary scale and boom of tech gonna create a huge world market crash? I assume it's gonna badly impact Canada as we are a north america country. What are the precautions we need to do before that Ji?
Why would it lead to a crash? There are several other factors that can, but why a book in IT?
Hi, I have done BBM(Bachelor of business management) +MBA
Which eca body should I choose to get the masters equivalency?
I applied for WES ECA in Dec'2020 and my ECA is on hold since Jan'2021 due to verification of my degrees/transcripts. My masters degree has been verified by IP Univ. and replies received/logged in WES system. However, verification for my Bachelor's Degree from DU is pending for a year despite me paying the DU verification fees also. WES has been repeatedly sending requests for verification to DU and DU has also been replying but for reason, all these replies are being rejected by WES. WES is saying their process if confidential and not telling me anything. And, DU ppl showed the replies to me on their computer screen. But, the ECA is still on hold due to this. What should I do???
You dont enjoy to show someone… u r at peace that is what important
Simran’s manager left the chat 😂
Just kidding. This is so very important. It’s not wrong to ask for a fair compensation.
I saw some videos on youtube, claiming that there won't be any FSW draws in 2022.. Is that news true?
Hi plz update that pnp for international workers are happening
Hey guys have you removed your video on family doctor. I remember seeing it but cant find it now :( :( ....
It’s there. It’s the one where we show weekend, car wash etc
Why you guys opted for Canada immigration vs Australian immigration?
We couple were js discussing this.. js 10 min b4 watching this video - that we underestimate ourselves and hopefully things would be great for us and much better than we r negatively thinking. let's hope for the best 🤞. Thanks for spreading positivity and facts about employeers openness. Tc and keep rocking. Btw! Stunning view. 🤩
👏👏👏
Hi sir , could you plz tell me if birth certificate is necessary or the only document to be attached as age proof along with PR application ??
Hi,
I am using your app and it asks if i have foreign work experience. I want to understand if this foreign work experience is similar to the work experience which I have here in India or will it be if i work somewhere else outside India which is going to be counted as foreign work experience.
I am wondering this because on immigration website it is mentioned that any experience which is outside Canada is foreign experience.
please make video on new alberta tech immigration program i want to gather information asap
Yes soon
Mortgage rate is dependent on mortgage amount? E.g mortgage amount of 1.3m would have different rate then 700k mortgage amount?
No, that’s not usually the case.
But it’s case by case and will change if you go for a 25 year loan vs 30 year loan.
Lol, masti! Sure
All you talk about 💰
Hey navjot and simran plz is it possible to make videos for students like after 12th Or after college they should come and how and where like all that stuff thanks in advance
th-cam.com/channels/BsAoIk1VPl1A6H53EMJ5ag.html
That's something even I am working on to upload soon, you can stay subscribed to my channel as well just in case.
Trying to something on this 👍
Thank u so very much appreciated🙏
Wearing winter shoes is a tough task??? 🧐 I'm eager to know this
Not at all, I didn’t think there would be a lot of snow there.
@@Potatotalkies haha, when you guys step out next time don't forget Win. Shoes so we can see you guys running on the frozen lake 🤣 Lol
Navjot has been wearing same cap for many years...conclusion -content is more important than cap😜
Haha
Thanks for heads up, do u want to comment on Calgary/ Edmonton VS windsor in terms of investment on property ? Which is best
Both are equivalent in my view.
How do we engage your services as a mortgage agent?
Pls fill the form on www.growwithnav.com
Can you help in buying home in Montreal, Quebec ?
That’s the only market I can’t :)
But can connect you to someone for sure
Hello Navjot and Simran, what is the ideal salary range for a person to be able to afford the expenses including mortgage, car etc. I am travelling with my wife and 5 years old but I am feeling that i am offered underpaid, i will move to Canada in August 2022
Hi Prince, you can get by in $80K a year comfortably if you are renting. However if you want to own a house, that’s a whole different story - maybe around $150K household income.
There are some factors that would change what you need. You will need a lot less in AB than ONT/BC for all of that. So a lower income in AB is not as bad as those provinces since you can manage with less.
Hello
How can I join first job accelerator
www.firstjobaccelerator.com
Wonder how you did not wear winter coats/jackets - even for a milder cold :-)
It’s dry cold. Overrated 😀
@@Potatotalkies Ah well, dry cold is still cold :-)
Increasing salary by - first job accelator.. Consultancy..😂😝
Will you work for me? For free?
Brace yourself, Inflation is coming 😃
You’ve added to the problem and you’re making a video on it!!! Just……
I find it funny when people think Potato Talkies are the root of all evil and booming prices just because they have invested in 3 houses. If you have been in Canada for a while you will know people from South Asian/other communities have 5-10 houses or more already here. It's the way capitalism, money and equity work.
They are sharing helpful tips for people to do the same and not just hoarding up silently. It's their hard earned money, their savings and more importantly, their life which will be affected if they default. Most of the hate is a case of sour grapes. I'm in the first time house hunt myself so I feel everyone's pain but there needs to be action from the government + central bank to bring sanity to prices.
You hardly show your domestic life any reason?
Looking for any specific information, will be happy to answer 👍
I saw some videos on youtube, claiming that there won't be any FSW draws in 2022.. Is that news true?
It says for a couple of months. Not forever :)
Video coming soon.
@@Potatotalkies thank you.. waiting for the video