First Year In Canada - 10 Lessons We Learnt

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  • Опубліковано 15 жов 2024

КОМЕНТАРІ • 215

  • @csax4056
    @csax4056 4 роки тому +11

    Both of you have an amazing attitude and energy. Also you guys are really trying things and working hard. It's not a typical IT switch from India. Really look forward to your channel and videos.
    Binge watching your vids.
    Appreciate your channel.

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому +1

      chirag saxena thank you for all your appreciation and comments.
      👍🏻👍🏻

  • @valeria-militiamessalina5672
    @valeria-militiamessalina5672 3 роки тому +2

    Feeling like an outsider is true, it’s unpleasant too.

  • @nakulgulati6644
    @nakulgulati6644 4 роки тому +2

    Great attempt. Thanks for sharing.

  • @nakulgulati6644
    @nakulgulati6644 4 роки тому +2

    Great points discussed. Thanks for sharing

  • @weili5178
    @weili5178 4 роки тому +6

    thank you so much for the sharing. me and my husband just moved to toronto one month ago. i wouldn't say the past month is exactly fairy tale but it was very fulfilling to initiate a life anew. i echo with a lot of the things you said, having experienced most of them myself every single day. wish u and your family all the best, THX.

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      It’s great to see when people share their experience in comments.
      😊 welcome to Canada

    • @sidrausman8273
      @sidrausman8273 4 роки тому

      Wana come there........ ,):

  • @jatinprasad7341
    @jatinprasad7341 4 роки тому +3

    Great video.

  • @sudsoverspill4484
    @sudsoverspill4484 4 роки тому +2

    Knowledge is Power.

  • @projectgenesis8361
    @projectgenesis8361 4 роки тому +1

    wow! thank you so much for sharing this 10 lessons to us.

  • @kritikakampani7862
    @kritikakampani7862 5 років тому +5

    Heena di,
    Great video.. ☺
    Many congratulations on completing 1 year. Loads of love ❤😘

  • @rajeshrana7133
    @rajeshrana7133 4 роки тому +4

    Very thoughtful, honest reflection and nicely presented. You will have a great future.

  • @rupok8772
    @rupok8772 4 роки тому +2

    thanks for sharing, you are so lovely. 😍 keep sharing your experience that you gained. love 💚💙

  • @shobin100
    @shobin100 5 років тому +6

    Well presented video. Thanks for the effort and info..
    Will you share some info about
    1)oil and gas jobs in canada
    2)best place / province to settle in
    3) approx salaries offered for professional jobs
    4) Best time/month to enter canada

  • @tarunjhinjharia6212
    @tarunjhinjharia6212 5 років тому +2

    Thanks for sharing your views..

  • @csax4056
    @csax4056 4 роки тому +2

    Also please share a video on all self employed opportunities. Licenses required, education required and earning potential. Will really appreciate
    So self employment or employment opportunities around sales.

  • @kl898687
    @kl898687 4 роки тому +6

    Canada is land of endless opportunities.But you have to adjust to the life as it is entirely different from India.Enjoy.

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому +2

      It’s true. New adventures, new life.

    • @kl898687
      @kl898687 4 роки тому +1

      @@rightturntocanada7958 Ya.Now its winter season.Temperature has come down too.

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому +1

      Jiju Ninan yes. Almost zero.
      Had a snow storm few days back.

    • @kl898687
      @kl898687 4 роки тому

      @@rightturntocanada7958 Winter lasts till March.

  • @joygabriel4227
    @joygabriel4227 5 років тому +3

    Nice video..luv the topics it helps people to be mentally prepare before moving there..

  • @abhaghai6633
    @abhaghai6633 5 років тому +4

    Very useable video.....to learn👍👍😊😊

  • @mugdhanaik7241
    @mugdhanaik7241 5 років тому +4

    Great video....Nice tips ! Thanks for that. The 10th one seemed most important to me.... 10th one Could be the 1st one 😀

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Mugdha Naik haha.. thank you.. 😊😊 I made it number 10 so people watch till end.. thank you for watching till end. Stay connected.

  • @mrevergreenvlogs
    @mrevergreenvlogs 5 років тому +4

    Totally agree with you

  • @hinazia82
    @hinazia82 4 роки тому +3

    Very nice Attitude keep it up.

  • @sukhdeepsandhu4737
    @sukhdeepsandhu4737 4 роки тому +2

    Amazing tips

  • @AkshayGupta-kw1ds
    @AkshayGupta-kw1ds 4 роки тому +1

    Very aptly put - all the points and ur english is really fluent... love the way u speak... 😊...

  • @aniluber7651
    @aniluber7651 5 років тому +4

    Congrats... For ur One year Successful Journey🇨🇦

  • @sumairasaif1754
    @sumairasaif1754 5 років тому +4

    Hi
    I need to know how’s your experience in landing in December?
    I will b landing in December 2019 too
    But v much worried about the cold weather as it’s completely new for me especially with small kids
    Is it really horrible?

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Not that bad.
      Just buy good winter gear and you are good to go.
      Watch our video on winter tips. It will help you.

  • @vibhujain3120
    @vibhujain3120 4 роки тому +1

    Very well elaborate

  • @d.bpatel5790
    @d.bpatel5790 3 роки тому +1

    Nice to listen to you , it was very sympathetic , have you ever tried journalism or news reporting ?

  • @worldwideielts1571
    @worldwideielts1571 5 років тому +1

    Overall excellent, Have happy and healthy life for your entire family

  • @sheeba977
    @sheeba977 5 років тому +3

    Hi dear.
    Can we bring our Jewelry if coming to Canada on pr.. what is the way to bring the same and how much one can bring??

  • @ekwinderpalsingh2308
    @ekwinderpalsingh2308 5 років тому +4

    I Just Love Your Videos...Please post videos more often

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      I want to but with all the stuff going on, it’s really tough.
      Will try to be consistent.
      Thank you. 😊

    • @ekwinderpalsingh2308
      @ekwinderpalsingh2308 5 років тому

      @@rightturntocanada7958 Can you please share details about average wage rate of a Permanent Resident?

  • @SuperRomi1411
    @SuperRomi1411 5 років тому +3

    Love the way you speak. Doing a fabulous job girl.

  • @amolaksingh6000
    @amolaksingh6000 5 років тому +2

    Very knowledgeable and charming video mamm! u earned a fan from amritsar

  • @samiimran1
    @samiimran1 4 роки тому +2

    Please help my question as to what route you all took about coming there?

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      Express Entry

    • @samiimran1
      @samiimran1 4 роки тому

      @@rightturntocanada7958 what was your crs score how much.time did it take to get an ita?

    • @samiimran1
      @samiimran1 4 роки тому

      @@rightturntocanada7958 I recently started watching your videos and I'm already dreaming of things I would love to do there....I applied for express entry but crs score is only 379... is there any chance ?

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      samiimran1 our score was 480.
      Watch our express entry video to know more about our process.

    • @samiimran1
      @samiimran1 4 роки тому

      @@rightturntocanada7958 please share link can't find it

  • @edavalurikavya6533
    @edavalurikavya6533 5 років тому +3

    Yes ture so useful video every lesson is very important to all

  • @dhivyasanthosh1626
    @dhivyasanthosh1626 5 років тому +9

    Nice video.. Pls post a video on schools here, quality of the education system, total subjects, school timing.. pls tell about pre-schools levels also with age, this will be helpful for the newcomers..

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Was thinking about the same.
      Will do some research and make a video on it.

  • @ridhigulati3090
    @ridhigulati3090 4 роки тому +2

    i loved this one...

  • @agnihotrimanoj
    @agnihotrimanoj 5 років тому +2

    3.20 rightly said

  • @kamaljitsinghboparai3060
    @kamaljitsinghboparai3060 4 роки тому +1

    Awesome

  • @patels_editor
    @patels_editor 5 років тому +3

    Your concept was better and it's useful for many kind of people like me ... Nice one and keep it up mam ...🤝🤝

  • @ashishkhalasi924
    @ashishkhalasi924 5 років тому +3

    Hi...Ma'am I have a child of 3 years we are soon migrating to canada. I want to ask for day care facility in Canada. Is it suitable for kids are they care properly for kids?

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Ashish Khalasi watch a complete video on day cares. I have made one in Hindi

    • @ashishkhalasi924
      @ashishkhalasi924 5 років тому

      @@rightturntocanada7958 Thank u Ma'am..We really liked your videos

  • @rajatsrivastav5871
    @rajatsrivastav5871 4 роки тому +1

    Ma'am could you please let me know how's the work culture in Canada?

  • @gracielarodriguez7482
    @gracielarodriguez7482 5 років тому +3

    Great video!! Thanks for sharing!!

  • @pragyakapil1622
    @pragyakapil1622 5 років тому +6

    You guys are the cutest! Keep going strong :)

  • @GagandeepSingh-se7fd
    @GagandeepSingh-se7fd 5 років тому +10

    Your voice ❤️❤️

  • @varshapreman9010
    @varshapreman9010 3 роки тому +1

    What if we have an infant? Can both go for job?? Are there any possibilities?

  • @muzzammilpathan
    @muzzammilpathan 5 років тому +2

    Ohhhhhh my God I can so much relate to this thanks a million for making such a wonderful video

  • @DrMahi-pg3pv
    @DrMahi-pg3pv 5 років тому +4

    Is it ok to come in d month of November..... Wat r job conditions in November

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Dr. Mahi it’s not a bad idea to come in November.
      Market is great at this time too.
      The only thing is the weather.
      Still I would say, don’t be scared of anything, if you are all set to come, book your flight and come.

    • @DrMahi-pg3pv
      @DrMahi-pg3pv 5 років тому +2

      @@rightturntocanada7958 thank you so much

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Dr. Mahi my pleasure.
      Stay connected and feel free to ask any queries.
      Also like our page on Facebook and instagram. 😊

    • @DrMahi-pg3pv
      @DrMahi-pg3pv 5 років тому +1

      @@rightturntocanada7958 pleasure 😊

    • @DrMahi-pg3pv
      @DrMahi-pg3pv 5 років тому +1

      Hi dear... Is day care free

  • @sahilg133
    @sahilg133 5 років тому +4

    So beautiful and motivating. 😊😊👏

  • @canadiandesivlogs9804
    @canadiandesivlogs9804 5 років тому +1

    Me and my wife have just got ppr and planning to move in feb. As we have no one in Canada we are little confused where to move. Vancouver suburbs or near Toronto like Mississauga or Markham. Can uou please make a video on both aspects how to choose the place to move in. Merits and demerits of both cities and nearby cities. Thanks

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      I wanted to make a video as my friend moved to BC and we moved to Brampton.
      My personal suggestion is, if you are not that afraid of cold weather, Mississauga is amazing for you.
      You will love the place and there are more opportunities in GTA i guess.

    • @canadiandesivlogs9804
      @canadiandesivlogs9804 5 років тому +1

      @@rightturntocanada7958 i am getting more votes for Mississauga. Is it easy to find a job before landing and how to apply from.your home country?

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Salmann Ikram to be very frank, it’s not easy to get a job before landing but you can start the search process and schedule interviews for the dates after landing.
      Are you coming alone or with family?

    • @canadiandesivlogs9804
      @canadiandesivlogs9804 5 років тому +1

      @@rightturntocanada7958 i am coming with my wife

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Salmann Ikram alright. Good luck for the process. If you need any help, specially regarding accommodation, message us on our Facebook page right turn to canada or instagram portal.

  • @lazhan2489
    @lazhan2489 4 роки тому +1

    I enjoyed this video

  • @samarsingh857
    @samarsingh857 5 років тому +3

    I have done my graduation via Distance education delhi University is it acceptable in Canada for further studies?

  • @ssharma6114
    @ssharma6114 3 роки тому +1

    Hey.. Can u pls make some video on the certifications or courses required to grab a gud job in account/finance domain.

  • @seemaaggarwal2107
    @seemaaggarwal2107 4 роки тому

    Plzz tell me Canada ki winter tolerate ho jti h...I mean with the help of woolne clothes plzz. Tell me

  • @SuperHamidsiddiqui
    @SuperHamidsiddiqui 4 роки тому +1

    your English is fabulous

  • @husnaansari7499
    @husnaansari7499 5 років тому +5

    Very nice video.. could u please tell us the total expense for pr for a couple from india

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Husna Ansari thank you for the appreciation.
      Cost for PR depends on the way you are coming here. We used Express Entry and it is one of the cheapest and fastest for PR.
      Around 2 to 4 lakh I guess. Not sure.
      If you use a consultant, it can be expensive.
      Watch our express entry video to get an Idea.

    • @husnaansari7499
      @husnaansari7499 5 років тому +1

      Thankyou for the reply.. sure ill watch that video 😊

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Husna Ansari great. Good luck and stay connected.
      If you have any specific questions, feel free to comment.

  • @alnzaidi
    @alnzaidi 4 роки тому

    Can you please give some insight on what sort of planning should i be doing as a single female trying to migarte ?

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      There are a lot of things you need to plan for.
      If you have any specific question, i will be able to answer in a better way.

    • @alnzaidi
      @alnzaidi 4 роки тому

      Right turn to Canada I’m an architect with 5 years experience (30 year old, single). I have not yet applied for immigration but I’m doing my research. I am curious as to how many months of expenses should I plan for before I supposedly find a job (I understand it may not be the best job ever but something to begin with)

  • @Faisalkhan-hy8fu
    @Faisalkhan-hy8fu 4 роки тому +3

    Hey, Urgent Recommendation Required!! I want to start my process to IMMIGRATE to Canada but I have thin nerves which means I cannot withstand Very low temperature because if there is cold I get blood clots on some part of my body. so please recommend me any province which is not very expensive and in winter the weather is quite alright
    Thank you.

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      Go for British Columbia

    • @Faisalkhan-hy8fu
      @Faisalkhan-hy8fu 4 роки тому +1

      @@rightturntocanada7958 any particular city,
      with good job opportunities also? In marketing and sales profile?

    • @rightturntocanada7958
      @rightturntocanada7958  4 роки тому

      I don’t have much idea about the jobs there.

    • @Faisalkhan-hy8fu
      @Faisalkhan-hy8fu 4 роки тому

      @@rightturntocanada7958 ok, thanks for your reply...hope you and your family are well.

    • @Faisalkhan-hy8fu
      @Faisalkhan-hy8fu 4 роки тому

      @@rightturntocanada7958 if you can guide me s little about Toronto, are winter mild there? And do you think it has more opportunities? And a good option to move as a new immigrant?

  • @shreymalik5817
    @shreymalik5817 5 років тому +7

    Yo wassup !
    Can you please create a detailed video on PNP vs Express Entry ?
    What are PNP requirement for British Columbia province ?
    Which province is most suitable for IT?
    :)

  • @Amal-pw3uj
    @Amal-pw3uj 5 років тому +2

    Will i regret taking 15lakhs as loan to study mba in Canada.?? Will i be able to repay it with part time job savings?

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Wild Dreamer that’s a big question.
      If you work hard after you are done with you education, you can earn well.

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      I have seen students here who are very happy with their lives but I have seen students who are always regretting.
      Life will be tough for initial years but after that, it’s worth it.
      You need to be super strong and positive all the time.

  • @dineshvijayraj
    @dineshvijayraj 4 роки тому +3

    Hi v r planning to apply pr n move Canada for better opportunities. I saw couple of videos n totally worried about health care. I heard even in case of emergency there are long wait hours ? I have a 10 month old baby n post delivery even I get sick often. So worried about the health care in Canada n extreme weather. Ll the baby b able to cope up with the weather ? N wat to do incase of emergency health prob. ?

  • @janakiyeluripati6368
    @janakiyeluripati6368 5 років тому +1

    Hi, congratulations for completing one year in Canada and brampton. I just arrived here with my husband. He has a steady job but I'm looking for a part time job. Can you suggest me how and where I can get part time jobs in missisauga

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +3

      Thank you.
      Shopping stores, grocery stores, furniture stores like Brick and Ashley.
      All these are hiring full time and part time.
      Go to there websites and try there.

    • @janakiyeluripati6368
      @janakiyeluripati6368 5 років тому +1

      @@rightturntocanada7958 thank you so much for your timely reply.

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      janaki yeluripati you are most welcome.

  • @akshayoturkar3768
    @akshayoturkar3768 4 роки тому +2

    Hi heena how u had gone to canada have u given ielts

  • @narenderkooner5088
    @narenderkooner5088 5 років тому +1

    Drop is Necessary or not for students ??

  • @reenXsham
    @reenXsham 5 років тому +3

    U r missing ur headlines.. 😁 i liked ur video.. Thanks for it.

  • @dhivyasanthosh1626
    @dhivyasanthosh1626 5 років тому +4

    First view, comment

  • @Seenseeker
    @Seenseeker 4 роки тому +2

    You are the cutest

  • @deepikasiva4980
    @deepikasiva4980 5 років тому +1

    Hi dear
    I'm ur new subscriber
    And I plan to move to Canada by February with my 2 year old boy
    I already watched ur packing videos and had a perfect structure of my luggage.
    Now I m having one doubt that the process of open work permit from india.can u pls guide me on that

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Hey. I have very less idea on visas and work permits as we never went through those things.
      Still i will try to help.

  • @canadahustles
    @canadahustles 5 років тому +2

    Hi, where do u stay in Toronto ?

  • @charurulz09
    @charurulz09 5 років тому +3

    Hi, your videos are very detailed and informative.
    Could you share the details of the consultant you worked with in India? Thanks for your efforts

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Charu Gupta thank you.

    • @charurulz09
      @charurulz09 5 років тому

      @@rightturntocanada7958 Heena, would appreciate if you could share the consultants contact details. Dunno who to trust, since you had a positive experience we can have a word with them

  • @kumardua5898
    @kumardua5898 5 років тому +3

    Very well articulated...How's Diwali...did u guys went out to watch fireworks..N do u have cards parties there..This is the best month to be in Delhi, so if we move we ll come back for this whole month..lol !

  • @shazshaz3142
    @shazshaz3142 2 роки тому

    Hi .
    Ur videos are informative.
    Bt y aren't you making any videos

  • @MoAlnaseri
    @MoAlnaseri 4 роки тому +2

    Amazing 💕

  • @mdriajulislam8828
    @mdriajulislam8828 5 років тому +3

    How can i come to this lovest countries?

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Visa.. 😊😊

    • @mdriajulislam8828
      @mdriajulislam8828 4 роки тому

      @@rightturntocanada7958 they doesn’t give?

    • @mdriajulislam8828
      @mdriajulislam8828 4 роки тому

      @@rightturntocanada7958 it would possible if i have a beautiful girlfriend in canada then the sweet marriage will bring me to this heaven with my lovest one

  • @nasim_sarwar
    @nasim_sarwar 5 років тому +5

    Make a video on a business opportunity there .... how much a businessman earns there
    Thank you

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      This is a totally vast topic. Some people earn great and some don’t earn at all in the same business.
      Watch our video on how to earn money. Will try to interview some people with specific business here.

    • @nasim_sarwar
      @nasim_sarwar 5 років тому +1

      @@rightturntocanada7958
      I think you and your husband are doing business there .. you can shear your own experience

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +1

      Nasim Sarwar we will share our experience about our professions next year. For other businesses, will try to interview some people to give you an idea.

    • @nasim_sarwar
      @nasim_sarwar 5 років тому +1

      ​@@rightturntocanada7958 Thank you ... .. :)

  • @kirann7
    @kirann7 4 роки тому +1

    Hey I am new subscriber here....
    I am also planning to settle in canada...

  • @veerkb4u
    @veerkb4u 5 років тому

    Hi, I am doctor from india working in saudi arabia now I am planed for canada express immigration. . But I don't have any job opportunities right now. For doctors I heard very difficult to get the job;;my question is is it worth can come to canada with my family 👪 and stay there for kids study..and search any small jobs run the system????please clarify and guide me. Thank you

  • @kamaljitsinghboparai3060
    @kamaljitsinghboparai3060 4 роки тому +1

    I think you should start English learning sessions

  • @Shreeprakash.rathod
    @Shreeprakash.rathod 5 років тому +1

    Hello madam.
    I want to come on PR visa for job . so please tell me wat is the leaving expenditure for single person. ...
    And how much the possibility for jobs in CA

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Expense really depends on the way you choose to enter Canada. For that talk to a professional consultant.
      For jobs in CA, you might need some certification for that.
      I am not sure about that so do some more research.

    • @Shreeprakash.rathod
      @Shreeprakash.rathod 5 років тому +1

      Ok.
      Thank u for reply madam.
      I mean approx rents and minimum maintain for single person.
      I am in processing with consultency bt for a approx how i asked madam.....
      Thank u madam... 😄

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Shree Prakash watch our video on first month expenses and on monthly expenses. They will help you

    • @Shreeprakash.rathod
      @Shreeprakash.rathod 5 років тому +1

      @@rightturntocanada7958 ok thank u madan

  • @simarpreet3700
    @simarpreet3700 5 років тому +1

    Hello your blogs are quite positive and very informative.!!🙂😊. It would be very nyc if you could make video on part time jobs for international student in ontario .

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Simar Preet thank you so much. Will try to make one.

    • @simarpreet3700
      @simarpreet3700 5 років тому +1

      @@rightturntocanada7958 welcome di.!! You are very confident and positive person. It alwsy bring more happiness seeing your blogs. Wish u good luck for more blogs.

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому +2

      Simar Preet i am glad you like them.
      Stay connected

    • @simarpreet3700
      @simarpreet3700 5 років тому +1

      @@rightturntocanada7958 sure di.😇

  • @munazzasiddique
    @munazzasiddique 5 років тому +2

    Kindly Guide me for pr procedure

  • @dhavalpatela
    @dhavalpatela 5 років тому +3

    Will u please help me to make resume in Canadian style....

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Will try to make a video on that. 👍🏻

    • @divyavmahendrakar13
      @divyavmahendrakar13 5 років тому +1

      I'm coming from Dubai and the CV here is totally different from the Canadian CV format. Would be really helpful if you could make a video on that :) Love your videos btw..

    • @rightturntocanada7958
      @rightturntocanada7958  5 років тому

      Divya V Mahendrakar will make a video on it soon. 😊

  • @nithinw276
    @nithinw276 5 років тому +2

    Hi, the way u explain things is really straight forward which always spread positive vibes... thankz for the video... Happy Diwali...

  • @ashkhan7887
    @ashkhan7887 3 роки тому +1

    Dont go to Canada if you are over 40 and have less saving. Life is hard and harsh in Canada.