I been watching your videos since day 1...then and now, I really noticed you two had slowly noticed the reality of today Canadian life style. I been here for 55 years, I can speak Chinese and English well and my profession was in the law enforcement and a teacher...idea and reality are far far apart. Politics is everything and now drugs today in our society are dominate almost everything in our daily life. ....you two are educated young couple and quite intelligent...keep open your eyes and see the truth. Keep it up. Well done.
Thank you for supporting us and always leaving constructive and positive comments. I guess every country has its pros and cons, and as residents the best we can do is figure out how to navigate the system and make the most of it. Hope you have a great day! ;)
Even though not hire an accountant, a tax software will have the tips and warning when doing tax filing. Also, if you open a RRSP account in the bank or online such as Questrade, the financial advisor and the web page also will give you RRSP information . It is not usual to over contribute such big amount.
Certified accountant should give professional advise and file the tax return. This mistake should not happen except something wrong themselves or not a qualified accountant.
艱難大近期通脹再升，救生艇其實已是求生艇，艱難大移民並不是好選擇，選擇亞洲生活費較性價比高的地方更好，食物、租金、樓價、工少難搵和稅太重太多，好難有財務自由，人冇財務自由好難有真正生活自由！ 艱難大事事簡單複雜化，做事效率低又慢，稅制繁複，許多交稅陷阱！ 加拿大稅勁，同樣被「共同腐乳」！ 失業率高過美國，物價高昂、艱難大有"三高": 1.稅高通脹高、2.失業率高、3.樓價租金物價高，做做埋埋交比道友多政府，所以專業人士到同樣稅高、物價高的美國找機會。 不少人退休前已被政府"共同腐乳"不少，下一代年輕人工作及生活剩錢不容易，談退休更遙遠不易! 天(天氣)、時(時勢和時差)、地(地多但住貴)、利(扣稅後收入利益低)、人(愈來愈多印度人和艱民)、和(治安同毒品，再不像以往安全和平)，皆冇數圍，移民投資回報性價比愈來愈低，所以才不少人選擇離開。 Canada Unemployment Rate is at 6.20%, compared to 6.10% last month in 2024 and 5.30% last year. This is lower than the long term average of 8.04%.
It is better to find a reputable mechanic auto shop before you buy a used car. With the owner permission, You can book an appointment to send the intended to buy used car to the shop for a check up, You pay a hundred or so, and then you can decide to buy it or not.
You should be very happy that you have 50000 RRSP room. Assuming you understand max is 18% of your annual salary, that means your annual salary is 277,777. You have a really high pay job. Congrats.
@@KyleKamTaco are you hired a qualified accountant and work with a certified banker, this mistake should rarely happened. What you talked are not convincing.
@@KyleKamTaco E.G. 如果 2023 limit $30000, Before Dec 2023 Contributed $30000, 2024 before March 1 Contributed $20000. You still okay, since 2024 Contribution can be used for 2023 or 2024.
Hong Kong gov and the realty developers helped so many Hong Kong residents to get so much money by selling their small condo..... They don't know how lucky they are.... LOL...
Only if they sold houses in good timing, bought when low prices and still could sell them at high prices. Many lost money in recent months in selling properties, or still not able to sell (even after they left HK).
@@KL-xv5gj If they bought their condo within 5 years, they "may" lose money. However most people in HK stay in their condo for many years and their condo value increased 10+ times even with recent drop. For example, most 500 sq.ft condo still can sell for 5 millilons to 10 millions HKD based on their location. Research said HK is still the most expensive city this year. In year 2000, people can get a 500 sq.ft. condo for about 500K HKD in good area, now the same condo can sell for 5 millions easily.
US, UK, Canada, AUS, and more countries love to get these new immigrants and all their money and keep them in application process as long as possible. Their tax and education cost are much higher than HK if they can't become PR or citizen. The US health system is the most expensive in the world.
@@KL-xv5gj Many people lived in their condo for 20+ years and they can make a lot of profit. In year 2000, you can get a 500 sq.ft condo in good arae for about 500K HKD. Now they can be sold for 5 millions easily even with recent drop. Some can still be sold for close to 10 millions if in high class area. HK has no or very low capital gain tax, all their rental and commerical properties can be sold without paying any capital gain tax to HK gov. This is not the case in most western countries. Again, they still complaint that HK gov is not good enough for them.... LOL..... Many people tell you how much they lost in recent selling, but they don't tell you how much money they made in last 20+ years in all their realty investments plus the rental income.
Good video.
As a HK to Canada immigrant for 30+ years myself, I agree to all your points.
Thank you Phil
你哋條片做得好好，清楚易明，加油👍🏻👍🏻
多謝你嘅鼓勵🫡
唔識就以為好勁 ! 識嘅就笑死人
I been watching your videos since day 1...then and now, I really noticed you two had slowly noticed the reality of today Canadian life style. I been here for 55 years, I can speak Chinese and English well and my profession was in the law enforcement and a teacher...idea and reality are far far apart. Politics is everything and now drugs today in our society are dominate almost everything in our daily life. ....you two are educated young couple and quite intelligent...keep open your eyes and see the truth. Keep it up. Well done.
Thank you for supporting us and always leaving constructive and positive comments. I guess every country has its pros and cons, and as residents the best we can do is figure out how to navigate the system and make the most of it. Hope you have a great day! ;)
Thanks for sharing
留言區既彩蛋都好精彩😂😂
多謝
對於留言區⋯我都覺得幾精彩🤣
Even though not hire an accountant, a tax software will have the tips and warning when doing tax filing. Also, if you open a RRSP account in the bank or online such as Questrade, the financial advisor and the web page also will give you RRSP information . It is not usual to over contribute such big amount.
Certified accountant should give professional advise and file the tax return. This mistake should not happen except something wrong themselves or not a qualified accountant.
艱難大近期通脹再升，救生艇其實已是求生艇，艱難大移民並不是好選擇，選擇亞洲生活費較性價比高的地方更好，食物、租金、樓價、工少難搵和稅太重太多，好難有財務自由，人冇財務自由好難有真正生活自由！
艱難大事事簡單複雜化，做事效率低又慢，稅制繁複，許多交稅陷阱！
加拿大稅勁，同樣被「共同腐乳」！
失業率高過美國，物價高昂、艱難大有"三高":
1.稅高通脹高、2.失業率高、3.樓價租金物價高，做做埋埋交比道友多政府，所以專業人士到同樣稅高、物價高的美國找機會。 不少人退休前已被政府"共同腐乳"不少，下一代年輕人工作及生活剩錢不容易，談退休更遙遠不易!
天(天氣)、時(時勢和時差)、地(地多但住貴)、利(扣稅後收入利益低)、人(愈來愈多印度人和艱民)、和(治安同毒品，再不像以往安全和平)，皆冇數圍，移民投資回報性價比愈來愈低，所以才不少人選擇離開。
Canada Unemployment Rate is at 6.20%, compared to 6.10% last month in 2024 and 5.30% last year. This is lower than the long term average of 8.04%.
说得很好，希望你去土豆个人UA-cam 留言
工作機會係最大考慮因素，第二係 子女教育。 亞洲價平，但好多地方係經濟差，醫療差，就算星加坡都係半專制，台灣又有打仗風險，咁仲有邊度選擇呢 ?
@@LAURA-oz8ls加拿大治安、打劫、搶車、偷車、毒品等，皆令子女教受及安全受影響，情況絕對比亞洲嚴重，租金、樓價、食物貴、物價貴、稅重，仲要擔心人身安全，何來自身自由，成日被賊人監視，警察保障道友及劫罪權益多過市民，交完稅何來為公民保障公義同權益？
咁多移民KOL，最real就係你哋！
好多其他KOL齋講其他地去好、踩香港差。想提議一下可以做一啲香港同加拿大嘅好與壞，等大家知生活上有咩分別
多謝你嘅支持🙏🏻
令到你們失望及不開心, 這句說話的確打中我心,
我都傷心及思考了一整天
有關過火言論, 我會收回
我絕不是想取笑他人遭遇, 我也遇過相同遭遇
起因於覺得太過負面, 會令人更不安
因而忍不住口衝口而出, 這點絕對是我的責任
怎樣也好事實上亦不應該這樣說話, 心表歉意
我今日重新看過你們的片一次, 了解你們更多
就如你所講, 大家應努力做好才對
我真心想DM跟你們溝通🙏
事實上你們做得很好, 加油!
我有親戚兩夫婦都在早年回流香港了， 因為稅收太高， 跟本儲唔到錢， 生活質素比在香港時差。
估計佢哋無仔女啫啩 ? 如果有仔女 就係另一個考慮㗎啦。
最後貓貓係彩蛋😂❤您地要加油 努力生活💪🏿
多謝 終於有人留意到啲貓🤣🤣
你真係天才，覺得有著數就亂咁黎，有銀行有會計師你唔問，錯左就賴人，有啲無賴喎！加上搵個會計師幫你報稅都係100幾拾，新移民乜都唔識，第一年梗係搵會計師幫手啦。而且賣得RRSP嘅都係持牌，如果佢誤導你，你可以告佢或者投訴佢。
想請問, 買二手車必須避開第三種, 細dealership. 如果在大Dealership 例如 Toyota 車行買, 會有大風險嗎? 還是只建議在私人market 買?
如果喺大車行買certified pre owned 嘅車其實相對比較安全 但係你要俾一個好premium嘅價錢買二手車 有啲時候甚至同新車價錢分別唔係相差好遠
所以記得要自己睇餸食飯
@@KyleKamTaco 謝謝!
Very useful information, thanks.
Glad it was helpful!
Very helpful indeed, thx both
you are welcome ;)
RRSP 的陷阱在後面，比起前期的陷阱有大巫見小巫之別，RRSP要到72歲時才可按月以4.5%每年遞增1%取出，但要交稅，而且稅不輕。因為差不多一生人之供款可達百多萬到幾百萬。前題是你是否肯定會活到72歲，要不然不幸早死，那全部RRSP取出要交重稅。最大鍋嘅就係RRSP投資有賺有虧，虧蝕是沒有Capital Loss對銷Income，而同時賺了也沒有Capital Gain的Tax Benefit. 總之，RRSP由頭到尾都是陷阱，最好避而遠之。TFSA比較好一點，但同時也沒有Capital Gain & Capital Loss的 TaxBenefit。 買舊車還有一個陷阱，如果你親人半送半賣部車給你，例如3年舊LEXUS市價值$20000（ICBC有本舊車市價表）你阿叔賣給你$200，稅局忽然發信給你要交$18000銷售稅。有個實例，六個月前有個印度人買了他親戚的福士舊車$200，收到稅單要交$2000 的 Sales Tax. 買舊車最好先去ICBC查該車值多少錢，以此價錢交易，就安全多了。
完全誤解。 rrsp可以扣稅，所以取出需要打稅， 呢個完全正常。 如果不幸離世伴侶可以自行繼承 不需要打稅。
RRSP隨時可以攞出嚟，唔使等72歲，只不過係要按你攞出嚟嗰年交稅，唔知你邊度攞到啲錯誤訊息
@@fatfishfilms4569 伴侶死後又是要交稅,始終這筆錢都難逃交税.所以只可是緩税.
@@aatnakedSG well 你要緩定唔要？自己選。
直系親戚汽車轉讓都係唔使交稅， 例如阿媽將架車轉讓畀個仔or 阿仔將架車轉讓畀父親。 只需要畀登記手續費$110。
好實用，好清楚，好多謝。
Thank you for watching 😊
被私人管理公司抄牌後去換新車牌是無用的，他們去ICBC取到更改後的車牌號碼及個人資料，會將罰單再寄給你，你多付了更改車牌費用的。
You can totally do that even CBC made a news report about it
無須要換新車牌, 因為你唔俾錢佢地係奈你唔何, 就最多以後唔停車係個間公司管理既停車場。
多謝分享，好有用嘅資訊😆😆😆
唔使客氣🙏🏻
你最後選擇那間公司更新屋頂？$?🙏🙏
Why did you do more research before you made mistakes? Don't complain.
咁請問你們几時正式離開加拿大呢？
講到實際吖 其實是幫到人
做乜？
想過嚟送我機🤷🏻♂️
掃把拍都唔會😂
@@KyleKamTaco最重要自己開心，回不回流不用理人說什麼，不是別人養自己，別人何德何能，冇權過問！
@@KyleKamTaco答啦，幾時離開呀？
好有養份，thx。
多謝支持🙏🏻
請問你哋用邊間公司換屋頂？可以俾聯絡資料參考吓嗎？謝謝！
It is better to find a reputable mechanic auto shop before you buy a used car. With the owner permission, You can book an appointment to send the intended to buy used car to the shop for a check up, You pay a hundred or so, and then you can decide to buy it or not.
100% If a person is not mechanically sound, I would highly recommend doing a pre purchase inspection before pulling the trigger
所以呢啲tricky野，講出口以為政府幫緊你，實則就係同你玩緊mind game。最後贏家都係政府😂。
艱難大窮，好債，以納重稅、成出推出稅項來割菲菜，何來生活自由，一世賺咗比廢柴杜友多正苦！
多謝分享❤
唔洗客氣😊
請留意，重要係先不要自行報稅，以為可慳錢及以為自己學歴可 做到，甲地乙地的稅制不同，會計師的重要，最好找一個會詳細講解給自己的會計師，如作者如先找會計，就不會有第一個麻煩出現😅
要自己學報稅 報稅季好忙 會計師好那西
@@stephenn88 搵過有信譽既會計師幫手會輕鬆好多，自己報唔係唔得, 但會計師比較了解稅例，知道點樣可以交少的稅。自己搞如果有咩細節報錯或者做漏左, 隨時得不償失。
@@hangloong1251 你自己不懂稅務 怎麼可以最大化
Thank you for the video! I am just always wondering do you film at your home? Your background is always clean haha.
Thanks for the comment! We always clean up before filming LOL
However, you can over- contribute $1000 each and every year once you are qualified. Otherwise, try TFSA up to the annual limit.
But I've contributed more than that amount 😭 And yes, I've also been contributing to TFSA
除非自己有錢人.最好仲要越嚟越有錢，難搵食自然治安只會越來越差，生活成本開支只會一路上升，硬件交通配套又唔方便，出街食嘢又貴又要比小費，工作機會又唔多😅長期飢寒交迫咁生存😅 有民主豉油比你又完全冇實際用途😂香港生活全部調返轉，低稅制度，生活成本隨你喜歡平定貴，出入交通方便，治安好，可以自由地一個女士夜晚凌晨行街出入安全😅 又絕對冇一個地方有毒品喪屍跳下跳下😂 又唔需要一定要買架車😅
贊同！有錢過嚟畀加政府同你分身家，加國歡迎您💞
Stream a,b 新移民, 堅決會說好移民故事：
1） 住空間好大, 海闊天空, 汽車傲遊萬裡
2） 自由空氣, 平等自由
加拿大既稅例比較複雜, 建議就唔好省個少少錢, 應該搵個專業會計師幫你報, 又或者核實報稅表/ 文件先交上去稅局比較穩妥, 有咩都有人幫你同稅局跟進, 唔駛自己煩。買 RRSP 一般買你當年總收入的約20%就已經足夠, 例如 5 萬+ 收入就買一萬左右, 不用多買..亦無須買足每年既供款上限。買之前亦要先徵詢會計師既意見..
五萬收入跟本不用買RRSP. 20%是多9魚 max contribution room is 18%
@@stephenn88 "約20%"！你一份收入五萬梗係唔駛買啦，如果兩公婆 (一個family) 年收入加埋九至十萬就一定要買, 如果唔係要俾好多稅。
@@hangloong1251 我是指出你「例如」的低級錯誤 同埋你太多廢話
@@stephenn88 "例如 5 萬+ 收入就買一萬左右", 係五萬+, 你睇清楚先講啦! 係加拿大自己報稅絕對係自尋煩惱, 搵會計師/ 公司搞快捷妥當, 最緊要既係你提交既文件準確同齊備..又唔係話好貴....
@@hangloong1251 你能力低 廢話又多 是適合
RRSP limit 明白係根據上年收入嘅18%， 但係都有個Maximum，大約係三萬幾蚊。 我諗你哋供多咗嗰陣時係唔知道除咗18% 仲有一個Maximum limit per year.
不過稅後收入，仲可以買到五萬幾蚊RRSP, 即係話本身稅前收入好高，而且基本上所有嘅收入都唔使作為日常開支，而可以全數擺入RRSP戶口👍🏻
買到5萬RRSP應該唔使買二手車
@@kennethlo4030 年薪幾10萬，搵埋會計師幫佢報稅，仲係錯成咁，佢智商真係有問題。
加拿大的税制精密到滴水不漏, RRSP 都只是緩稅,並非一定可以慳税.
一樣係「共同腐乳」😂
TFSA可以真正免稅，但你供進去的是稅後的錢...
True. E.g. if you earn a lot of capital gains in RRSP, it can end up with even more taxes than in a non registered investment account.
CRA 有Rrsp 同TFSA contribution limit 睇
剛到步第一年係睇唔到的😢
就算有，佢畀你睇嘅TFSA供款限額也是完全不準確。建議報完稅，攞到稅局 notice of assessment 後再供TFSA, 反正未供款的餘額又可以無限累積。
大家請稍安無燥！ Kyle 大哥係唔拿會離開溫哥華！
大家死咗條心佢啦！ 佢哋可以喺大溫地區買一間獨立屋，再搬出嚟住一間全新嘅condo， 係實力嘅表現，姑勿論佢屋企人有冇幫佢哋都好。 人哋輕輕鬆鬆供多幾皮嘢rrsp， 完全冇難度啊～人哋喺度優哉悠哉咁過神仙一樣嘅生活。 雖然我到而家都唔明點解佢仲會揸住架前七，可能只係show畀我哋睇佢哋都比較貼地嘅， 或者佢對車真係冇要求。不過前者可能性大D， 因為佢兩公婆對住嘅要求都唔低。
最後佢只不過係善意咁話畀大家知，冇錢就唔該唔好喺溫哥華住喇，請躝屍趌路。明未？lol
我不是UA-camr，可以的話，請制作一些有關初到步者，先要找能祥細解釋的會計師，並非在報稅月份！對租屋，買屋，買車，收入稅 ，退稅，RRSP的運用都慳不小金錢。家庭醫生相當重要亦要先找或先排隊等候。貨比三家，保險和汽車機械師亦會慳不小，😅
你乜都唔知就應該打電話去問清楚CRA。 其實arrival info 係有寫明第一年工作唔可以供rsp。
完全冇印象有收過arrival info😢
@@KyleKamTaco arrivein
thx
Thank you as well🙆🏻
RRSP一啲都唔難理解，只係你智商有問題，你講啲嘢真係好離譜，明明自己搞錯，自己唔搞清楚啲嘢，賴落人哋度，呢種係咪香港人特色？
我仲以為你呢啲先係香港人精神
分享移民過程犯咗啲錯誤
講出嚟會比人笑弱智
所以啲人咪收收埋埋唔夠膽分享
頂多大家一齊賴嘢😁
@@KyleKamTaco 移民就要千方百計去適應當地？加拿大果啲吾係智商税,小市民根本就係被割韭菜！移民是要尋好生活吾係去揸頸就命！税制, honest system , credit score 已經就係小市民生活嘅緊箍咒！
@@aatnakedSG 你喺香港一出世已經要適應香港啦，唔通你一出世香港改變嚟適應你？你係乜嘢人咁巴閉呀，係咪嗰啲點慣姐姐做嘢嗰種港式公主王子呢？你唔想俾人割韭菜你咪返你祖家，冇人逼你留喺度俾人割韭菜喎！
You should be very happy that you have 50000 RRSP room. Assuming you understand max is 18% of your annual salary, that means your annual salary is 277,777. You have a really high pay job. Congrats.
I wish I had that salary 😂 I was talking about the amount I contributed for the past year, not the room tho. Anyway, thanks for watching!
@@KyleKamTaco are you hired a qualified accountant and work with a certified banker, this mistake should rarely happened. What you talked are not convincing.
Kyle, this video reminds me a few years ago where my friend bought a Mitsubishi Evo VI from a dealer that sold JDM imports. 😂😂😂😭😭😭😭😂
Nothing wrong with getting an Evo 😏😏
我亦是分享,我會計師每年份 tax return 都會 included 一份 PDF 講明俾幾多稅,出年 RRSP 應該 Contribute 幾多,妳的會計師有冇解釋？定係妳地唔明他的解釋？亦可能妳地貪平,用冇牌的會計？買 RRSP 時,是妳自己上網買,定係有 CFP 或銀行買,如果有專業人士幫下手,就唔會有妳咁嘅情形.其實妳地 DIY 時識睇 UA-cam, 但 RRSP 又唔睇？🤔
果 $50,000 是睇完 assessment 至買, 18% = $ 50,000, 咁妳人工都好勁喎😮,咁駛鬼咁慳咩？.
會計師有同我講過供款限額同埋CRA 個網都睇到 可能你冇睇清楚條片 我話第二年係因為我搞錯咗個供款時間 所以供多咗
同埋就算18% = 50,000 你都唔可以供50,000 因為今年個limit 係31,560
@@KyleKamTaco RRSP 2024 頭兩個月 Contribution 唔算 2023 Over Contribution ,可以留番 2024 用,咁妳即係話$ 50,000 是在 2023 December 前 Contribute 的？咁妳又話Contribution agreed to 2022 Assessment ? 越講越 complicated, 唔講了.唉.我仲以為$ 50,000 係 accumulated 的,因都唔知妳幾時來加拿大.😔
@@KyleKamTaco E.G. 如果 2023 limit $30000, Before Dec 2023 Contributed $30000, 2024 before March 1 Contributed $20000. You still okay, since 2024 Contribution can be used for 2023 or 2024.
睇haters嘅留言，分分鐘精彩過條片，長見識了。😂
我有個friend前幾日請咗個維修師傅整浴室抽氣扇，結果抽氣扇不但未整好，仲要跌咗落嚟撞爛咗張雲石枱🤣🤣🤣
咁大鑊
有冇得賠？😢
正規公司/ 師傅先有得賠, 因為一定有買保險。
KYLE 好上鏡, 睇你地幾條片, 唔知點解感覺你係女創業家 (好強烈感覺).感覺你係地產、教育嗰類專家咁. (第六感).
Plus the NEW ... Carbon Tax Over GST OVER another Carbon Tax
最唔明白加拿大咁難生存係都要移民加拿大，呢幾年過來加拿大港人普遍都係為仔女又乜乜民主豉油，又仔女價值觀有所不同😅從來不問政治，咁如果自己興趣喜歡係網上搞煽動.咁就最好永世留係加拿大可以日日比你玩政治活动, 如果冇興趣, 有冇民主豉油都唔關自己事😅至於價值觀問題，加拿大比你民主選杜魯多總理又如何😅每日比你示威遊行又如何😅情願要民主，但係可以容忍加拿大真正共產自己，乖乖地交重稅可以陰乾自己辛苦搵返嚟嘅金錢😅自己價值觀都已經出咗好大問題😂有民主豉油比你每日可以用😅又唔知幾時有用😅點樣用😅日用定夜用😅護墊衛生巾仲有用
通常移民嗰班去到都係做鵪鶉
不少人的子女在加拿大大學畢業後，不少若非極專業的特別學歴，出路也非常一般，不是找不到好工便是只做前線服務員工作！有親戚的兒子，UBC畢業後選擇在香港找到好工作，大概兩年前，再到新加坡找另一好工作，選擇不在加拿大工作，知道出路不如美國或亞洲好，很貼地和實際！
爭取民主？早兩三年7-80%華人居住的社區Richmond 補選議員,得16%投票率！
政府夾埋啲賊兩邊向市民開刀，叫人哋插條車匙喺部車畀人偷，算唔算智商稅？
@@gooooole1647 打完劫、偷完車捉咗冇幾耐就放人，之後又做世界，何止智商稅，係正苦智商碎!
移民去加拿大一定有屋企人support$先得。如果無人無乜過黎搞唔掂生活
又唔一定需要屋企人支持
自己計劃好其實都OK
我朋友冇加拿大籍，但太太是加拿大出生的加國人，子女是加拿大出生入了加藉，朋友買屋供也以加拿大人的稅項去被納稅，理由是太太和子女在加拿大住他買的大屋，享用加拿大資源，所以仍要比重的稅項！他說加拿大治安非常差，比較以前物價飲食皆貴，他自己住香港仍高薪工作以供養加拿大的太太和子女，一年才見一次，家人長期分開，何苦？
做第二個二前嘅謝賢或肥肥往西區得唔得？😊
@@JRTRobbie其實加拿大嘅意思係：
加：加拿大不斷「加」稅、加費
拿大：政府「拿大」大份！
任何鄉港或國內人，做埋賺埋都大大份比艱艱大！
天下烏鴉一樣黑自己醒的啦我來加卅幾年都冇中招啊
你叻👍🏻
huh? you individually over contribute $50,000 of RRSP??
Correct, I over contributed way above the limit... 🫠
@@KyleKamTaco Normally $10,000 would be sufficient if you make $50,000 to $100,000 a year as a family.
Kyle 試下下次坐住隻手同埋帶住腰封，睇下個身同對手會唔會再搖得咁勁
有咁嚴重嗎🥲 會多加注意
剛睇咗剛去加拿大的片及依條片，發覺大家真喺放大香港的壞處，美化佐加拿大，為咗自由空氣，結果由一個所謂極權社會去咗一個地獄生活！
聽到都頭痕！以前無乜人講，我以為加拿大不錯，只是怕凍，所以無移過去！呢幾年才明白不動是贏錢！撲來撲去，無幾多能量錢財可以燒！
成日話香港政府好差，制度好離譜，法治好荒謬……比起歐美真係小巫見大巫😂
吾親身見過係吾會信,不過移咗民果班點會話自己錯,死頂！
鄰居的草地永遠是較綠㗎 ！ 😄
要明白這些 睇多5次條片 都可能唔明 😂
真係好複雜?
下次會改進🙏🏻
加拿大好似好美好！住落三幾年身歷其境你才會知道、明白佢地講咩嘢.👍
@@KyleKamTaco 如果是香港觀眾，＂隔山隔洋＂去看加拿大稅制，而本身又不是有會計基礎，很難看一次短片就明。加拿大出名萬稅國，不僅是稅多，而且稅優惠又多，亦就有很多min and max ，cap，inclusion and exclusion ⋯
所以現在要移民就真的要三思,因為外面的情況隨時比香港甚至中國更危險。
有機會可以無條件移民就要走, 莫猶疑...留係香港/ 中國只會永遠活在框架下, 政府永遠只會叫人去大灣區發展。移民後最起碼你有機會可以去唔同既國家發展, 例如再由加拿大移民美國, 係香港難矣！
@@hangloong1251我講緊依家嘅情況。當中非法移民、LGBTQ+（啲旗嘅擺法同數量就好似香港回歸咁，折咗佢就告你仇恨言論）、氣候變化名義減少糧食供應等，仲癲過23條生效後嘅香港。
我自己整番個雪櫃
勁👍🏻
如果有錢呢移民深圳啦好食好住又自由過香港。 返香港又方便。
你自已吾明RRSP规测，吾赖得税局
其實你倆公婆都好誤導，希望你地可以 下一集澄清教錯地方 ! RRSP 是買年薪 18% ，隨 便google 下 或問下會計師 ，都會有清浙指引 ！ 你買多咗，如果你俾專業會計師同你 報稅，就第一時間發現問題! 點解你D youtuber 成日以為識英文，就係乜都識 ! ？又至 於買車,Kyle 教人私人買賣二手車，呢點更嚇人，如果觀眾聽你方法去做，我相信賴嘢機 會更多!
唔該你地新移民，唔好以為識剪片就係達人，害死人 !😅
咁不如你講吓我教人買私人二手車有咩係講錯歡迎指正👍🏻
Hong Kong gov and the realty developers helped so many Hong Kong residents to get so much money by selling their small condo..... They don't know how lucky they are.... LOL...
Only if they sold houses in good timing, bought when low prices and still could sell them at high prices.
Many lost money in recent months in selling properties, or still not able to sell (even after they left HK).
@@KL-xv5gj If they bought their condo within 5 years, they "may" lose money. However most people in HK stay in their condo for many years and their condo value increased 10+ times even with recent drop. For example, most 500 sq.ft condo still can sell for 5 millilons to 10 millions HKD based on their location. Research said HK is still the most expensive city this year. In year 2000, people can get a 500 sq.ft. condo for about 500K HKD in good area, now the same condo can sell for 5 millions easily.
US, UK, Canada, AUS, and more countries love to get these new immigrants and all their money and keep them in application process as long as possible. Their tax and education cost are much higher than HK if they can't become PR or citizen. The US health system is the most expensive in the world.
@@skylimit3477True!
@@KL-xv5gj Many people lived in their condo for 20+ years and they can make a lot of profit. In year 2000, you can get a 500 sq.ft condo in good arae for about 500K HKD. Now they can be sold for 5 millions easily even with recent drop. Some can still be sold for close to 10 millions if in high class area. HK has no or very low capital gain tax, all their rental and commerical properties can be sold without paying any capital gain tax to HK gov. This is not the case in most western countries. Again, they still complaint that HK gov is not good enough for them.... LOL..... Many people tell you how much they lost in recent selling, but they don't tell you how much money they made in last 20+ years in all their realty investments plus the rental income.
初黎步到梗有好多野碰釘，所以話識人好過識字，問下身邊的朋友，你幫我我幫你
有野補充，喺啲大車行出二手車都好似有一兩個月保養期，我都出過一部二手Honda
其實都幾同意你嘅講法
如果喺大車行買certified pre owned 其實都係啲年份比較新嘅車 問題照計都應該比較少🤔
朋友多，可以教路，是好事，但多稅、重稅，長貧朋友難顧，艱難大令人愈住愈窮，多數人有出冇入！移民帶錢來過幾年好快洗大部份，要計好數才好移民，否則由一個地獄到另一地獄！
@@KL-xv5gj 其實加拿大政府係誤導救生艇過來的香港人，你係唔可以兩手空空就過黎，先要搞掂呢一兩年的衣食住行的開支，以後就要靠自己，靠政府幫你就X得
@@ericlai7095 最吊軌嘅係申請嘅手續費已賺一大筆 之後搶咗香港人才來 大才小用 不少專業或管理層人士要降班降級做前線或低收入工作，大才小用，只接收香港人帶來的財富，之後又打稅，共同「腐乳」！
Learn to fix your car, it will save a lot of money.
你哋頂唔住，快啲返香港，未攞到加拿大護照，已經用晒你哋辛苦錢，5年後都唔知咩事，唔一定入到藉，無人敢保證你哋一定得，好似掛過紅蘿蔔，係咁追住，有得睇無得食，玻璃天花板，睇到上唔到，同玻璃門，睇到過唔到，做返啲較有把握既事仲好🙏
同意，加拿大是洗錢燒錢的地方，還年輕，望向世界其他國家，尤其亞洲如新加坡找機會，加拿大退休並不再一定退憂，退休的生活質素可能只會退優，因為物價樓價，像九七時的鄉港不斷標升而有出冇入，有樓收租也管理、維修及成本開支等太大！
@@KL-xv5gj 加拿大最著名的是＂snow bird＂：年輕的長者冬天是飛去其他國家過冬的。CPP和old aged 是離開加拿大也仍可收取。
GIS則有離加日期限制。
@@dovemc6452 失業率高過美國，物價高昂、艱難大有"三高": 1.稅高通脹高、2.失業率高、3.樓價租金物價高，做做埋埋交比道友多政府，所以專業人士到同樣稅高、物價高的美國找機會! 退休前已被政府"共同腐乳"不少，下一代年輕人工作及生活剩錢不容易，談退休不易!
Why you are complaining about this ? Just as because of your ignorance, you need to talk to your financial advisor.
睇黎兩位都好快頂唔順回流香港
點解咁講？😅
@@KyleKamTaco倆位是人才可去美國或新加坡、馬來西亞發展！不要留在加拿大，難發圍！
I don't believe you !
去到加拿大要全新適應？
下半世不一定好過. 是否搵自己老襯？？有苦自己知, 繼續.做開荒牛. 外國政府不會多謝你. 自作自受. 繼績做牛馬😅😅😅😅
去到新既地方當然要 "重新" 適應啦... 開頭幾年當然係比較困難, 但當年完全習慣左加拿大既文化, 係度落地生根之後, 你就會自然地享受同愛上這邊的生活... 做開荒牛?? 八，九十年代個的移民就係！那些年本地好少華人同華人商店, 食肆...連華人超市都未有, 市面上可以買到既亞洲貨少之又少...而家的新移民比以前幸福多了！係香港有機會無條件移民都唔走，特別係有細路個的, 就真係搵自己老襯！外國既移民門檻只會越來越高, 越來越難....
唔好成日讲香港人前香港人后啦 内容系无罪嘅 大家都睇得嘅。
揾個報税姐姐比少少訧學到點做啱用
你都搵好多啫，供五萬蚊R RSP 驚死蝕底
对！你回国，如果你说现在是住在加拿大，那招来的绝对是鄙夷的眼神和不屑一顾的态度，这还是客气的，由于中国大多数贪官污吏尤其是骗贷漏税的都是逃往加拿大，你从加拿大回来？肯定会收到质疑和人肉，甚至直接的谩骂。所以，最好的办法离开加拿大，如果没有地方去，那么你千万不要告诉他人你移民了加拿大。
中國共產黨員華為公司孟晚舟老公兒子全家???
@@leoaugust179人哋咁有錢使L去加拿大咩，去歐洲買個小島都得啦😂
鳩噏