Cost of Living in Canada | Can You Survive on Minimum Salary in Toronto | Dream Canada

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  • เผยแพร่เมื่อ 26 ม.ค. 2021
  • I’ve explained the cost of living in Canada for a couple, if you’re thinking about moving to Canada after getting your PR. All the monthly expenses like rent, groceries, internet, cell phone plans, Wifi cost, etc. have been listed in detail so as to determine if you can survive on minimum salary or minimum wage in Canada
    In this video:
    Cost of living in Canada
    can you survive on minimum salary in Toronto
    can you survive on minimum salary in Canada
    monthly expenses in Canada
    monthly expenses in Canada for a couple
    monthly expenses in Canada for an international student
    life in Canada
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    monthly expenses in Canada for students
    monthly expenses in Canada for single person
    monthly expenses in Canada for a family
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    #CostOfLivingInCanada #CanYouSurviveOnMinimumSalaryInToronto #MonthlyExpensesInCanada

ความคิดเห็น • 143

  • @victorbegnini5754
    @victorbegnini5754 2 ปีที่แล้ว

    Hello, Jason! Your videos are always helpful and I really like the way you are always happy and “available” to help us out!
    Like a friend mentioned: thanks for putting your time and efforts into it (your TH-cam channel)!
    Hopefully my family and I will be in Canada ASAP and you’ll be part of it!
    Keep on doing the good work and “cheers” from Brazil!

    • @DreamCanada
      @DreamCanada  2 ปีที่แล้ว +1

      Hey Victor, thank you for your kind encouraging feedback! We wish you nothing but the best; have a great day!

  • @nareshyennidi6992
    @nareshyennidi6992 3 ปีที่แล้ว +8

    i am loving the way you are putting efforts to prepare and present the information to crew.. thank you very much indeed

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure Naresh; have a great day!

  • @joycedj6006
    @joycedj6006 3 ปีที่แล้ว +2

    Thanks for this informative video. Monthly expenses are well explained and monthly income are show. It would be great if you could also calculate the tax detection and show of the monthly income.

  • @shanesmohammed
    @shanesmohammed 2 ปีที่แล้ว

    You are best! In these many years I have not seen such wonderful videos with very valuable information without any negativity
    Big fan of yours Jason!
    Great work!

    • @shanesmohammed
      @shanesmohammed 2 ปีที่แล้ว

      Just want to know after taxes if two people are earning on minimum wage, what would be the savings since the tax part is not mentioned in the video
      What is the salary that would be received after taxes

  • @ruthcapistrano3596
    @ruthcapistrano3596 2 ปีที่แล้ว +1

    Appreciate all your videos, its really a great help for those whos planning to move in Canada. Please do more videos on how to live alone in Canada. Like how to move if your single, best place for those who are alone, living expenses, pros and cons, something like that.. tia

  • @nickisix2006
    @nickisix2006 3 ปีที่แล้ว

    Excellent Video Jason. Well done !!!

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Glad you enjoyed it! Have a lovely day!

  • @vnayzsingh2761
    @vnayzsingh2761 3 ปีที่แล้ว +2

    Great work Jason, I find your videos articulate.
    The taxes part dawned on me too... I’d say $ 500 a fair amount per person per month bases on your minimum wage calculation a fair amout?

  • @vishnukg007
    @vishnukg007 3 ปีที่แล้ว

    Very useful video. Thanks Jason

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Always a pleasure Vishnu; have a great day!

  • @hasinarahman5
    @hasinarahman5 2 ปีที่แล้ว

    I love ur video. May I know about Cornwall Ontario for fashion apparel business. Thanks

  • @lindanaidoo7982
    @lindanaidoo7982 3 ปีที่แล้ว +1

    Hi Jason. Thanks for the informative video. Please do a video on the process of obtaining a driver's license in Ontario and Alberta.

  • @lazzybug007
    @lazzybug007 3 ปีที่แล้ว

    Thank you so much Jason..🙏🙏🙏

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure; have a great day!

  • @metreyherbotechprivatelimi7827
    @metreyherbotechprivatelimi7827 3 ปีที่แล้ว

    Very nice information's . Salute you and thanks for this great efforts 👍

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Thank you for your kind feedback; have a great day!

  • @aradhanat6205
    @aradhanat6205 3 ปีที่แล้ว

    Excellent information...thanq so much

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure; have a great day!

  • @nematmirayala
    @nematmirayala 2 ปีที่แล้ว +3

    Have you taken taxes and pension fund deductions into account on the received salary?
    Btw thanks it was quite informative 👌🏻

  • @neerajbhardwaj858
    @neerajbhardwaj858 3 ปีที่แล้ว

    Great video brother keep it up...👍👍

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Thank you for your kind feedback Neeraj; have a great day!

  • @faisalarab754
    @faisalarab754 3 ปีที่แล้ว

    Can you since video for other province as well such as sask, alberta, Nova Scotia etc? A rough estimates will also do👍🏼

  • @pr4t1kk
    @pr4t1kk 3 ปีที่แล้ว

    I believe you need to factor in tax as well.. so that the amount will be adjusted based on the earning to expense ratio

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      I've not factored in taxes as there'll be different brackets for each individual

  • @arunshukla4231
    @arunshukla4231 2 ปีที่แล้ว

    Hey Jason, I will be relocating to Vancouver in 2022 on work permit along with my father on a Visitor visa. Just wanted to check that after 6 months if my father will be required to go back to India or we can go to Europe for a holiday and come back to Canada? Thanks for your response in advance.

  • @kengabucs1864
    @kengabucs1864 2 ปีที่แล้ว +1

    In your computation.. did you remove already the tax for the salary..(is that the net income?) For 14.25 per hour? Thank you..

  • @kk12181
    @kk12181 3 ปีที่แล้ว

    My company said they want to send me to Canada. I donno my compensation yet. But I am a kidney patient who may need to ho for dialysis starting next year. My serum creatinine is 3.1 now.
    1) Will I get visa given my health condition.
    2) How much do I need to spend for my kidney medicines and dialysis.
    Please shed some light!

  • @wijesingheusj
    @wijesingheusj 3 ปีที่แล้ว

    Thanks for your videos. I did duolingo test as English proficiency requirement for the college. Is it mandatory to have IELTS academic to apply study permit and visa? Pls advise I am now confused after paying college deposit?

  • @sudheerandhe
    @sudheerandhe 3 ปีที่แล้ว +1

    Thanks a lot Jason... keep uploading such useful and information videos...

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure Sudheer; have a lovely day!

  • @Imtogoated658
    @Imtogoated658 2 ปีที่แล้ว

    Hello Jason,
    Please let me know the reality of non IT professions and their demand in Canada. Many have given an opinion that only for IT life is simple.

  • @kids78601
    @kids78601 ปีที่แล้ว

    Pls make video on single person income as well

  • @niyamilmohamed4636
    @niyamilmohamed4636 3 ปีที่แล้ว

    Hi Jason, This video is very useful. Can you give any educational system ideas for teachers in outside Canada.
    Thanks.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      What exact ideas are you referring to Niyamil? Teaching is regulated in Canada, and you'll just have to complete a few certification courses after landing in Canada, depending on the province you move to.

    • @niyamilmohamed4636
      @niyamilmohamed4636 3 ปีที่แล้ว

      @@DreamCanada thank you Jason. U guide me a lot .God bless you and your family. My wife is a trained teacher of teacher she is not a digree holder. So it is work out doing any professional courses or BEd

  • @sagarmulay5360
    @sagarmulay5360 3 ปีที่แล้ว +4

    Thanks sir your video was very helpful for me. Sir, my question is that you did not mention the government tax in your video. What is the government tax if the minimum wage is $14.26.
    and as you said $ 1000 will be saved for the month, but after deducting taxes, how much money will be left for the month?

  • @joelsamsunil1817
    @joelsamsunil1817 3 ปีที่แล้ว

    Hi bro....can u help me.....Hws Supply chain management course in Lambton college in toronto and Mississauga....which one is better...

  • @SureshKumar-hq8ef
    @SureshKumar-hq8ef 3 ปีที่แล้ว

    Very remarkable presentation

  • @kalt2nd900
    @kalt2nd900 2 ปีที่แล้ว

    you missed to discuss the tax and other deductions to salary....

  • @mpilo.
    @mpilo. 3 ปีที่แล้ว

    AMAZING VIDEO

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Thank you for your kind feedback; have a great day!

  • @mrinalsingh8389
    @mrinalsingh8389 3 ปีที่แล้ว

    Sir kindly please turn on english captions because we guys still need to learn english.

  • @simsimma2781
    @simsimma2781 3 ปีที่แล้ว

    Hi. Thanks for this very informative video. Is there a pause in the processing of spousal sponsorship? Havent heard anything since jan 2020, application submitted in june 2019.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      There's been a delay for most programs other than PR & citizenship applications as inward flights have been restricted. Should resume soon again

    • @simsimma2781
      @simsimma2781 3 ปีที่แล้ว +1

      @@DreamCanada ok thanks alot for responding👍🏾

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure; have a great day!

  • @tubatico
    @tubatico 3 ปีที่แล้ว +4

    Thank you for the video! did you deduct the taxes on salary while doing the calculations?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      This is just an average 'monthly' expenses video. Tax brackets will be different for each individual, and calculated differently over a period of a year.

    • @carlosmarioospinap.3763
      @carlosmarioospinap.3763 3 ปีที่แล้ว

      @@DreamCanada it's true, but what's the average?

  • @raghavbhasin3724
    @raghavbhasin3724 2 ปีที่แล้ว

    Can you let me know what documents are required at immigration when you are coming as a PR.
    Also, do we require any appointments for getting SIN.
    TIA

    • @DreamCanada
      @DreamCanada  2 ปีที่แล้ว +1

      When you're entering Canada you'll need your one time entry visa, your COPR letter, POF & other supporting documents that you may have used during the application stage.

  • @EpicTalesUnveiled370
    @EpicTalesUnveiled370 3 ปีที่แล้ว

    Good info bro

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Thank you for your kind feedback Pavan; have a great day!

  • @haider429
    @haider429 3 ปีที่แล้ว +1

    Bro can u make such video for international students planning to live in brampton and toronto. Please

  • @koraytugay
    @koraytugay 3 ปีที่แล้ว

    You forgot about the taxes. That is the gross salary not the net. When taxes considered, couple can barely survive on minimum wage.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      But they still can. I didn't add it here as tax brackets would be different for each individual. I obviously can't give you net figures for each and every individual

  • @AnudinamumUnKural
    @AnudinamumUnKural 3 ปีที่แล้ว

    Hi bro food packaging job in canada offers 2lakhs salary per month is it enough for a single. Can I save 1lakh

  • @shiv-devmusicgalaxy9939
    @shiv-devmusicgalaxy9939 ปีที่แล้ว

    hi Jeson..first would like to thank you for such a valuable info abt PR process, job opportunities, with salary details, eligibility criteria for the jobs and most imp. cost of living in Canada. Actually I am Post graduate in Agricultural Engineering. And having 12 years of experience in Micro Irrigation industry in sales as well as technical function. Do agri.engineers have any scope there ? Does it have good jobs with attractive salary pkg?
    Please reply to my doubts. I m really want relocate in Canada.

  • @fariaislam3926
    @fariaislam3926 3 ปีที่แล้ว

    Sir, if we earn 4,560cad then what will be the tax ??

  • @mohamedazhar2392
    @mohamedazhar2392 3 ปีที่แล้ว

    Hi jason let me thanks first. Pls let me knw how much hv to pay government tax

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      It all depends on your income level. The higher you earn, the higher your tax slab will be

  • @multijones56
    @multijones56 2 ปีที่แล้ว

    Free healthcare and free education is for all or only who have got their PR.

    • @DreamCanada
      @DreamCanada  2 ปีที่แล้ว +1

      Only PR holders and citizens

  • @femyaysha3828
    @femyaysha3828 3 ปีที่แล้ว

    Is it of any use getting old experience letters ? Isnt the maximum CRS points for work experience for 3 years only? So should we show experience letters only for three years?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Yes, you get CRS points for only 3 years, but how would you justify the rest of the time prior to that experience, if your immigration officer asks you about what you did for those months/years?

    • @femyaysha3828
      @femyaysha3828 3 ปีที่แล้ว +1

      Ok.. thank you so much for the prompt response:)

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure; have a lovely day!

  • @ahmedbanking501
    @ahmedbanking501 3 ปีที่แล้ว

    You explanation is soo awesome bro.İ appreciate,

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always a pleasure Ahmed; have a great day!

  • @mssri1990
    @mssri1990 3 ปีที่แล้ว

    Hi.Very nice content.
    I have a doubt, I hold a bachelor's degree in commerce.Also I've got
    1. A certificate for my computer course, which is HDCA (honours diploma in computer application).
    2. A Personality Developement certificate from Madras university.
    Both are 6 months course.
    Can these be considered for crs score evaluation?
    Can I choose these in the highest level of education under the heading "Two or more certificates, diploma or degree..."..
    Pl help..

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      WES only evaluates academic degrees. United States Chartered Professional Accountant (CPA) credential, short-term certificates, job training, trade qualifications, career development programs, or other certificates of this nature are not evaluated or considered.

  • @steve50thcentury
    @steve50thcentury 3 ปีที่แล้ว

    In India, you can just buy a Sim Card and insert in any phone, you change your handset, you can still be using the same sim card, unless it's damaged or the handset in itself has been misplaced. Is it the same in Canada?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Many newcomers to Canada have no choice but to BYO, as purchasing a phone on a contract is only available if you get a Canadian credit check, and you'll need a financial history in Canada to complete a credit check.

    • @steve50thcentury
      @steve50thcentury 3 ปีที่แล้ว +1

      @@DreamCanada oh okay.
      Thanks.
      If I am not wrong by BYO, you mean bring your own instrument?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Yes, BYO device stands for Bring Your Own

    • @steve50thcentury
      @steve50thcentury 3 ปีที่แล้ว +1

      @@DreamCanada Thanks, Jason.

    • @steve50thcentury
      @steve50thcentury 3 ปีที่แล้ว +1

      @@DreamCanada Also is it possible to do a series on "Cost of Living in Canada, can you survive on minimum salary in each province's main city".

  • @rakeshreddy7115
    @rakeshreddy7115 3 ปีที่แล้ว

    Can u explain for single person cost of living approximately

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      You can safely assume the costs for a single person based on the costs mentioned in the video

  • @moe8882
    @moe8882 3 ปีที่แล้ว

    Is the cost of living in Vancouver similar to Toronto ?

  • @niralidodiya5577
    @niralidodiya5577 3 ปีที่แล้ว +1

    Hello Jason, you're doing an excellent job. Thank you for sharing valuable information with us as it is helping aspirants like us to work hard and get succeed! I found an issue with ECA process. It has been almost 30 days since my status changed to "Received Documents Awaiting Verification". But still my University claims they have not received any such request from WES. I have contacted WES as well but they are not replying.Any suggestions on how to take it forward? Thank you for any help you can offer.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +2

      Hi Nirali, this is a very common occurrence. Nothing on WES's end, its always the University at fault in this case. There have been many instances where candidates have waited for more than 2 months for an update only to know later that their University has not notified them about notifications received from WES. I would advise you to visit your University if possible and request them to have a look at your application status as they're always lethargic over the phone and won't even bother checking in most of the cases. If they give you satisfactory proof that there's no notification received, you can use this and get in touch with WES after that.

    • @niralidodiya5577
      @niralidodiya5577 3 ปีที่แล้ว +1

      @@DreamCanada Thank you so much Jason for your response, I am so grateful as you took out the time to consider the matter. I've tried to connect with University twice but they are kept on saying the same thing that they have not received any such notifications from WES. But as you said, I'll ask for the proof for the same. Thanks million for your response Jason!

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Always a pleasure; all the best for your application Nirali! Have a great day!

    • @niralidodiya5577
      @niralidodiya5577 3 ปีที่แล้ว

      @@DreamCanada Hello, Jist wanted to inform that I've got reply from WES they are saying they have sent the verification request via email and couriered the documents as well..where university is claiming that they haven't received anything from WES... If WES don't receive anything then after 7 weeks it will resend the request via email... I'm bot getting this.. How and why this is happening.

    • @niralidodiya5577
      @niralidodiya5577 3 ปีที่แล้ว

      @@DreamCanada this the message from WES.
      Hello Nirali, WES sends documents for secondary verification to the appropriate designated official at each institution. This is a confidential process between WES and the university, and there is nothing that you need to do at this time. The email address and the mailing address can not be shared; we apologize. Once a response is received, we will update your account. Thank you for your patience during the verification process.

  • @aarorask1
    @aarorask1 3 ปีที่แล้ว

    Good one..
    What is best place to live ??

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      It all depends on your individual preference and which province you're eligible for

  • @gauranshluthra7520
    @gauranshluthra7520 3 ปีที่แล้ว

    Do engineers also get a wage of this much if they get PR from India itself??

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Are you talking about the minimum wage?

    • @gauranshluthra7520
      @gauranshluthra7520 3 ปีที่แล้ว

      @@DreamCanada yes sir for computer science engineer

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Everyone gets minimum wage, but you can check your probable current salary for your profession on Indeed.

  • @krishnabuditi2923
    @krishnabuditi2923 3 ปีที่แล้ว

    I have 13 years of education and 8 years of working experience age is 27 am I eligible to move to canada

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      What is your CRS score?

  • @rukshanperera8635
    @rukshanperera8635 3 ปีที่แล้ว

    You have to deduct tax from that

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      This is just an average 'monthly' expenses video. Tax brackets will be different for each individual, and calculated differently over a period of a year.

  • @aarorask1
    @aarorask1 3 ปีที่แล้ว

    468, HR executive, Chances in next cut off ??

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Slim. The gaps in all-program draws always see a spike in CRS cut off ranges.

  • @BuNtYYYY
    @BuNtYYYY 3 ปีที่แล้ว

    Course after b.com and the best Universities for commerce feild plz make video on this content..

  • @mssri1990
    @mssri1990 3 ปีที่แล้ว

    Hi brother...is there anyway to contact you or talk to you for doubts?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Contact details & social handles are present in the video & channel description.

  • @akshaykrishn9157
    @akshaykrishn9157 3 ปีที่แล้ว +1

    Rent avg 2000$ - seriously? Around 1.5lakh

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Yup, goes up to as high as $3,500 depending on proximity to Downtown and the size as well. It isn't cheap!

  • @AnudinamumUnKural
    @AnudinamumUnKural 3 ปีที่แล้ว

    Reply soon bro to take a decision

  • @dhananjaymali6242
    @dhananjaymali6242 3 ปีที่แล้ว

    I'm getting onsite opportunity in Canada from an Indian Software MNC Company. I'm single, will it be good by savings perspective? I'm Software Engineer with nearly 5 years of experience.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      You can calculate your estimated savings from the salary offered to you and the expenses mentioned in this video.

    • @dhananjaymali6242
      @dhananjaymali6242 3 ปีที่แล้ว

      @@DreamCanada Yeah did the same but just wanted to cross check that 1600 CAD will be sufficient I guess for person with common lifestyle who doesn't spend on services like restaurants and don't use car and all.

  • @hiteshsachdev1351
    @hiteshsachdev1351 3 ปีที่แล้ว

    How will they save $1000. What about the taxes dude.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      The figure was more than $1000, and this is just a rough estimate

  • @nikhatpathan
    @nikhatpathan 3 ปีที่แล้ว

    Can you make a video for a single person

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Most of these expenses would remain the same for a single person, except for groceries, utilities, transportation, and probably rent if a single person decides to go for a basement accommodation. Most of these ones mentioned here can be halved.

    • @nikhatpathan
      @nikhatpathan 3 ปีที่แล้ว +1

      @@DreamCanada Ok thank you so much

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Always glad to help; have a great day!

  • @mantajdeep9480
    @mantajdeep9480 3 ปีที่แล้ว +2

    that was some work

  • @SukhpreetDhillon_
    @SukhpreetDhillon_ 3 ปีที่แล้ว

    Is it easy to get work in Toronto?

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว

      Yes, if you're into a few select occupations

    • @SukhpreetDhillon_
      @SukhpreetDhillon_ 3 ปีที่แล้ว

      @@DreamCanada I am going to apply in Lambton college Toronto for Construction project management course

  • @yashasshetty3980
    @yashasshetty3980 2 ปีที่แล้ว

    I need some help from you ?

    • @DreamCanada
      @DreamCanada  2 ปีที่แล้ว

      Kindly reach out to us at dreamcanadahelp@gmail.com for profile-specific queries.

  • @yasirarafat3410
    @yasirarafat3410 3 ปีที่แล้ว

    Plz bro translate in urdu

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Can't do that buddy, you'll need to know some English anyway for your language tests.

  • @dudikushal7883
    @dudikushal7883 3 ปีที่แล้ว

    You mentioned health care $50 and calculated $5😅. Anyways there's no such thing as free healthcare. It's tax payers funded. Good video btw.

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      I mentioned the amount of $50 for a whole year. Since this was a monthly calculation, I took an estimate figure for a month based on that.

  • @fariaislam3926
    @fariaislam3926 3 ปีที่แล้ว +1

    Sir, if we earn 4,560cad then what will be the tax ??

    • @DreamCanada
      @DreamCanada  3 ปีที่แล้ว +1

      Hi Faria, provincial tax rates differ for each province. Federal tax rates, however, are fixed: 15% on the first $49,020 of taxable income, plus
      20.5% on the next $49,020 of taxable income (on the portion of taxable income over 49,020 up to $98,040)

    • @fariaislam3926
      @fariaislam3926 3 ปีที่แล้ว

      @@DreamCanada I can't understand. Is that income for yearly?? Tax = 15%+20.5% ?? Or only 15% & 20%