Living In Canada/Life As A Canadian Immigrant Part 2 - Travel (785)

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Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 7:14am On Feb 08

Luckybelt:
Does anyone do any investment (st0ck, b0nds, ETFs ) that yields 12% p.a. Low risk?

Low risk and 12% would be a stretch. Best bet would be a global ETF.

Oddly, if looking at the long-term (>10yrs), ETFs are pretty safe with good returns. The price you pay to get that return is the volatility you endure in the short-term i.e it can drop significantly in the short-term.
If you want to avoid that volatility then certain b0nds would be the option but the yields would be low and possibly be below inflation. With b0nds, you get guaranteed returns.
I personally only do passibe and global ETFs and use money market funds or high interest savings when I need the money in a short defined period. e.g when looking to buy a house

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 7:16am On Feb 08*

Thazard:
Please is 25$/hrs good enough for a new immigrant?

Depends on the role and persons qualification.

First ask what the going rate for that role is in Canada so one doesn't shortchange themselves.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by MayorOfEdmonton: 9:38am On Feb 08

Thazard:
Please is 25$/hrs good enough for a new immigrant?

Like @Jedisco said, depends on the job.
Most jobs have lower range and upper range, a quick search on indeed/glassdoor will reveal the going rates.
If the $25/hr offer is within that range, rush am take ease your settlement and get Canadian experience on your resumé. After a while start applying to other jobs with higher pay.
Cheers

3 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by maternal: 4:29pm On Feb 08*

Judasiscarriot:
Hi, please, i believe you are talking about what we call 'government job' here. Are they easy to get, or is it the same connection, who do you kmow, and co, as it is done in Nigeria ? Also, can one do business and the government job

I find federal government jobs are harder to get than municipal government. As for business, whatever you do outside your work hours is your business. Nigerians and their obsession with business confuses me.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by maternal: 4:38pm On Feb 08

Luckybelt:
How can I buy on my own without going through 3rd party. Not sure of what these guys are doing for me.

They're not doing anything for you. The financial industry finesses people who are ignorant on investing. I use to be that ignorant person.

You can go through your bank or wealth simple. If you go through your bank, as to open a "self directed RRSP, TFSA, etc" From there you can search and pick which ETF best fits your objectives. Research each ETF before buying. I can give you some suggestions. I am not a certified financial planner.

With MER and all you'd pay 0.42% in fees. I guarantee you're paying at least 2% in fees now. In short you'll be paying your "advisor" almost 300k dollars in fees in 20 or so years of investing. They eat off ignorant people. Dump them.

2 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by maternal: 4:39pm On Feb 08

Judasiscarriot:
Hi, please, the jobs you listed, do they require certification ?

No. Some don't even need a high school diploma. Man know man happens in Canada. Not as bad as naija though

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by SIRTee15: 6:18pm On Feb 08

Latest report card on quality of Life in Canada

How's the nation of Canada faring compared to other nations when it comes to best place to live.
Well, It dropped from 5th position to 33rd.

Well, some of us are not surprised, it only confirmed what we've saying here while some people thought they know better. Unfortunately, facts and reality don't care bout your feelings. Canada is going down the drain and it has nothing to do with Trump tariff.

It's important to know the govt in power in the last ten years- the one responsible for the abysmal performance.

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by ferfer(m): 8:30pm On Feb 08*

jedisco:
I think his speech was well calculated. He's responded to Trumps criticisms especially in light of CUSMA negotiations which are due soon. How long would one stoop while Trump grovels?
Russia and China have shown that Trump only respects strength. Europe and the UK have realised that too.

Canada has it's own peculiarities but bending over to Trump at each turn would be disastrous. Now they're gunning for Alberta - pleading and begging only means they'd come for more.

The ideal follow-up to that speech should be answering the press about some of the high points. Not only was Carney not available for that, he ensured that the hatches were battened down when his ministers did not answer any questions about the speech. Not even one aspect of it. That is a fluff speech!

Based on Statistics Canada data, Canada’s merchandise trade surplus with the U.S. last year was on track to reach C$100 billion. That equates to 3.2% of Canadian GDP (A merchandise trade surplus means Canada exported more physical goods to the U.S. than it imported from the U.S. over the year).
On the other hand, looking at the trade situation from the U.S. lens yields smaller figures, partly reflecting different data measurement. Applying Census Bureau figures, the U.S. is on track to record a trade deficit with Canada of roughly US$45 billion in 2024 (or a mere -0.2% of U.S. GDP). In Canadian dollars at the spot rate, this would amount to $65 billion (https://economics.td.com/ca-canada-us-trade-balance).
Canada needs the US more than the US needs Canada when it comes to trades.
In my opinion, it will be better to not ruffle feathers, to continue to manage an already bad situation so it does not become worse. Whilst hustling day and night to ensure this situation never happens again, which is what Carney has been doing.

The job figures were released a few days ago and it does paint a not-so-good picture, and that is an euphemism because if you combine that with inflation, cost of food prices etc, then you have a real situation at hand. This is not the time nor the season to be engaging in fancy talk at all. Just knuckle down and do the job. It is a season and it will pass. The US midterms are coming and the report card will be out soon enough, the pressure Trump is exerting will not be maintained like this for long. He is able to do that because he has both the senate and house. The moment he loses one, then stuffs will get real. He will be busy swatting flies away from his now-exposed necrotic sore that he will not bother riding roughshod on others.

Russia does not come into the conversation at all. Putin is another US democratic president away from serious problem. Remember that this war was supposed to be a police action in which they will over run Kyiv in weeks and it is extending to years! It is estimated that Russia has lost 2% of its males to the war, that is future, never mind present, problem right there (https://www.csis.org/analysis/russias-grinding-war-ukraine).
Senescence is real and as advanced as modern science is, it has not solved the problem of immortality yet. Have you ever wondered what will happen in a post-Putin Russia? If what happened after Stalin was anything to go by then drama go dey for that side oo!

China is not restricted to trading with just a country, they are friends with all continents. In addition, they are not restricted by any green policy that bottlenecks mineral exploration, they have put themselves in a strong position.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 11:57pm On Feb 08*

SIRTee15:
Latest report card on quality of Life in Canada

How's the nation of Canada faring compared to other nations when it comes to best place to live.
Well, It dropped from 5th position to 33rd.

Well, some of us are not surprised, it only confirmed what we've saying here while some people thought they know better. Unfortunately, facts and reality don't care bout your feelings. Canada is going down the drain and it has nothing to do with Trump tariff.

It's important to know the govt in power in the last ten years- the one responsible for the abysmal performance.

Quite pathetic!

If you're not moaning about Indians, you're complaining about Canada. Pray tell, why haven't you moved to the U.S to go enjoy a forward-moving society? I've been around the world and can tell you most of Canada's problems are being experienced elsewhere.

Trudeau left government almost ago and lots has changed since then. You need to start looking forward.

For someone who claims to be an OG, the lacuna in your contribution here is striking. All you see are Indians or decline. Folks have asked about market investing, businesses, properties, jobs e.t.c. its all crickets from you and your likes. You only come around when its time to spread hate. The Indian next door is not the reason you're struggling in a basement.

4 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 12:13am On Feb 09*

ferfer:
The ideal follow-up to that speech should be answering the press about some of the high points. Not only was Carney not available for that, he ensured that the hatches were battened down when his ministers did not answer any questions about the speech. Not even one aspect of it. That is a fluff speech!

Based on Statistics Canada data, Canada’s merchandise trade surplus with the U.S. last year was on track to reach C$100 billion. That equates to 3.2% of Canadian GDP (A merchandise trade surplus means Canada exported more physical goods to the U.S. than it imported from the U.S. over the year).
On the other hand, looking at the trade situation from the U.S. lens yields smaller figures, partly reflecting different data measurement. Applying Census Bureau figures, the U.S. is on track to record a trade deficit with Canada of roughly US$45 billion in 2024 (or a mere -0.2% of U.S. GDP). In Canadian dollars at the spot rate, this would amount to $65 billion (https://economics.td.com/ca-canada-us-trade-balance).
Canada needs the US more than the US needs Canada when it comes to trades.
In my opinion, it will be better to not ruffle feathers, to continue to manage an already bad situation so it does not become worse. Whilst hustling day and night to ensure this situation never happens again, which is what Carney has been doing.

The job figures were released a few days ago and it does paint a not-so-good picture, and that is an euphemism because if you combine that with inflation, cost of food prices etc, then you have a real situation at hand. This is not the time nor the season to be engaging in fancy talk at all. Just knuckle down and do the job. It is a season and it will pass. The US midterms are coming and the report card will be out soon enough, the pressure Trump is exerting will not be maintained like this for long. He is able to do that because he has both the senate and house. The moment he loses one, then stuffs will get real. He will be busy swatting flies away from his now-exposed necrotic sore that he will not bother riding roughshod on others.

Russia does not come into the conversation at all. Putin is another US democratic president away from serious problem. Remember that this war was supposed to be a police action in which they will over run Kyiv in weeks and it is extending to years! It is estimated that Russia has lost 2% of its males to the war, that is future, never mind present, problem right there (https://www.csis.org/analysis/russias-grinding-war-ukraine).
Senescence is real and as advanced as modern science is, it has not solved the problem of immortality yet. Have you ever wondered what will happen in a post-Putin Russia? If what happened after Stalin was anything to go by then drama go dey for that side oo!

China is not restricted to trading with just a country, they are friends with all continents. In addition, they are not restricted by any green policy that bottlenecks mineral exploration, they have put themselves in a strong position.

Most western countries need the U.S more than it needs them but guess what? The reverse is also true of the U.S and the West as a whole.

Appeasement has been tried and it didn't work. Europe was only able to secure a retreat now they've drawn lines.

In all my travelling, one thing I've learned quite clearly is that going into conversations with the west (or a westerner) from a position of defeat never ends well. If CUSMA negotiations are opening up, it should be clear where lines are drawn else the U.S would ask for Alberta and B.C and some Canadians would chorus- give it to them- afterall we need them more.

Soon enough, some would advise Canada to sign a similar deal to the opium one the U.K enforced on China that led to centuries of humiliation. At what point does it stop?

Don't forget Carney was the cool head in the room when Doug Ford's temper was raging hot. He now sounding the alarm for 'middle countries' to work together only puts pressure on the U.S.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by SIRTeee15: 5:46am On Feb 09

jedisco:
Quite pathetic!

If you're not moaning about Indians, you're complaining about Canada. Pray tell, why haven't you moved to the U.S to go enjoy a forward-moving society? I've been around the world and can tell you most of Canada's problems are being experienced elsewhere.

Trudeau left government almost ago and lots has changed since then. You need to start looking forward.

For someone who claims to be an OG, the lacuna in your contribution here is striking. All you see are Indians or decline. Folks have asked about market investing, businesses, properties, jobs e.t.c. its all crickets from you and your likes. You only come around when its time to spread hate. The Indian next door is not the reason you're struggling in a basement.

It's like u looking for my trouble. u dont want peace and if that's u want- I will give enough dose of trouble to choke u.

I already block u but I want to warn u- don't ever quote me here again if u desire peace. I dont want to talk to u and I'm not interested in whatever u are saying.
I repeat dont mention me here again, otherwise, MA RAN E SILE. If u lack proper home training, there's nothing wrong learning at your old age.

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by Josh121(m): 4:10am On Feb 11

Is it advisable for someone at age 40 to pursue a trade or enroll in an accelerated two-year nursing program?
This person has already applied for permanent residence through the Non-Express Entry stream. They have a background in IT, specifically in Network Security, and have also studied AI and Data Analytics. However, they are currently not working in their IT field due to their PR situation.
They are now considering a long-term career change into a field that will remain stable and sustainable for the next 20 to 25 years. One concern is the two-year waiting period for PR, which makes returning to IT less appealing at the moment.
They would appreciate any advice on which path—trades or nursing—might be the better option in terms of job security, career longevity, and overall practicality at this stage of life.

Thank you.

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by Mee346: 4:22am On Feb 11

Josh121:
Is it advisable for someone at age 40 to pursue a trade or enroll in an accelerated two-year nursing program?
This person has already applied for permanent residence through the Non-Express Entry stream. They have a background in IT, specifically in Network Security, and have also studied AI and Data Analytics. However, they are currently not working in their IT field due to their PR situation.
They are now considering a long-term career change into a field that will remain stable and sustainable for the next 20 to 25 years. One concern is the two-year waiting period for PR, which makes returning to IT less appealing at the moment.
They would appreciate any advice on which path—trades or nursing—might be the better option in terms of job security, career longevity, and overall practicality at this stage of life.

Thank you.

At 40, it’s not too late to switch careers, but the decision should focus on long-term stability, job security, and sustainability. Between trades and nursing, nursing offers stronger job security, better immigration advantage, and more stable income over the next 20–30 years. Trades can provide faster income, but they are physically demanding and harder to sustain long-term, especially as one gets older. Given your strong IT background, nursing also allows future transition into healthcare IT, health informatics, or data analytics, combining both skills. This creates higher earning potential and less physical strain later in life. Overall, an accelerated nursing program appears to be the more practical and future-proof choice in your situation.

3 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by Josh121(m): 4:40am On Feb 11*

Mee346:
At 40, it’s not too late to switch careers, but the decision should focus on long-term stability, job security, and sustainability. Between trades and nursing, nursing offers stronger job security, better immigration advantage, and more stable income over the next 20–30 years. Trades can provide faster income, but they are physically demanding and harder to sustain long-term, especially as one gets older. Given your strong IT background, nursing also allows future transition into healthcare IT, health informatics, or data analytics, combining both skills. This creates higher earning potential and less physical strain later in life. Overall, an accelerated nursing program appears to be the more practical and future-proof choice in your situation.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by maternal: 1:40pm On Feb 11

Another reason I advocate minorities and new commers to enter the public sector. It trumps the private sector in every way.

On top of retiring earlier with more wealth than your private sector counterparts, the probability of losing your job is 6 times less.

https://share.google/BDz9rFkccZBfrWUNj

"Government employees retired an average of 2.2 years earlier than their private-sector counterparts.

They also faced substantially lower risk of job loss, with an annual job loss rate of 0.6 percent compared to 3.5 percent in the private sector—a difference of six times."

4 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by AirBay: 1:43pm On Feb 11

maternal:
Another reason I advocate minorities and new commers to enter the public sector. It trumps the private sector in every way.

https://share.google/BDz9rFkccZBfrWUNj

Say that again. I am getting paid 2years arrears this week as my union renegotiated pay and its starting 01/01/2024....time to party.

2 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by maternal: 1:51pm On Feb 11

AirBay:
Say that again. I am getting paid 2years arrears this week as my union renegotiated pay and its starting 01/01/2024....time to party.

Haha uncle Sam with take half of that back pay. I also got 2 years arrears. Then my union got us a 9% pay increase, followed by a 3.5% raise each year for the next 2 years. Then our contract expires, and we're back at the negotiating table.

We also got our benefits topped up. Organized labour is amazing. Pay your dues and let your union do the rest.

4 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 5:38am On Feb 12

SIRTeee15:
It's like u looking for my trouble. u dont want peace and if that's u want- I will give enough dose of trouble to choke u.

I already block u but I want to warn u- don't ever quote me here again if u desire peace. I dont want to talk to u and I'm not interested in whatever u are saying.
I repeat dont mention me here again, otherwise, MA RAN E SILE. If u lack proper home training, there's nothing wrong learning at your old age.

Aren't you tired of making empty threats? It's easy to see thru people like you.
Start building and make decent contributions to this thread. Folks are looking to build wealth not stew in hate.

BTW, I attached some food for you

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 5:07am On Feb 13

SIRTeee15:
Go and give the food to your parents, I'm very sure they will appreciate it.

Again you demonstrate an inability to have a decent conversation without resorting to insults. Says much about you.

2 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by SIRTeee15: 6:03am On Feb 13

jedisco:
Again you demonstrate an inability to have a decent conversation without resorting to insults. Says much about you.

Don't quote me, I don't want to have any conversation with u...decent or not.

Do u have comprehension challenge or what. Don't quote me !!!!!

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 7:00am On Feb 15

SIRTeee15:
Don't quote me, I don't want to have any conversation with u...decent or not.

Do u have comprehension challenge or what. Don't quote me !!!!!

Doc, are you annoyed?

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by SIRTeee15: 1:36pm On Feb 15

jedisco:
Doc, are you annoyed?

Asked your dad that question.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by ferfer(m): 7:02pm On Feb 15

In line with @maternal's post about government jobs....

There is the Federal Student Work Experience Program which is basically a recruitment pathway for the federal public service and is exclusively available to students. If you are in school, please feel free to apply.

https://www.canada.ca/en/public-service-commission/jobs/services/recruitment/students/federal-student-work-program.html

Also, if you are in school and would prefer the non trad route of paying for tuition, the armed forces have a program where they pick up the tabs for your tuition, plus pay you a yearly stipend - you get to work for them after graduation for a specific number of years otherwise the salary+tuition will be clawed back.

Good luck and happy family day.

1 Like

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by aWITNESS(m): 7:14pm On Feb 15

Hi everyone!
I recently graduated from the University of Calgary in 2024, where I studied Master’s in Chemical and Petroleum Engineering (Reservoir Characterization). Since graduating, it has honestly been quite challenging getting a good job in my field, especially securing an EIT (Engineer-in-Training) role.

At the moment, I sometimes travel down to Grande Prairie to work in the field as a Well Tester, just to stay active, gain experience, and keep myself going while still applying for better opportunities.
I’ve been applying to different companies for a while now, but it hasn’t been easy, even with my field experience. Because of this, I’m currently considering switching into Cloud Security or DevOps, but I’m not sure if that’s the best move or if I should keep pushing in oil and gas.

Please, I’ll really appreciate any advice, guidance, referrals, or suggestions from anyone who has been in a similar situation or has knowledge of the job market here in Canada.

2 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by nwaobitex: 7:26pm On Feb 15

Please can someone recommend to me schools with less expensive tuition in Canada for masters.

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jjohndoe83: 11:10pm On Feb 15

aWITNESS:
Hi everyone!
I recently graduated from the University of Calgary in 2024, where I studied Master’s in Chemical and Petroleum Engineering (Reservoir Characterization). Since graduating, it has honestly been quite challenging getting a good job in my field, especially securing an EIT (Engineer-in-Training) role.

I sent this to someone I know in one of the Naija groups in Calgary. He works in O&G up north. He would be willing to talk to you about finding something. As always, there are no guarantees that anyone can find you something and use caution when listening to strangers (although this person is a good guy from what I know about him). If you’re interested in connecting with him, kindly DM me and I can send you his WhatsApp. Cheers.

2 Likes

Re: Living In Canada/Life As A Canadian Immigrant Part 2 by funkyy598: 11:16pm On Feb 15

nwaobitex:
Please can someone recommend to me schools with less expensive tuition in Canada for masters.

Please, instead of spending that money on a master’s degree, consider using it to study French in Togo or the Republic of Benin and aim to land in Canada as a PR holder. Education in Canada is not cheap ..the french category draw is great chance to get PR

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Re: Living In Canada/Life As A Canadian Immigrant Part 2 by nwaobitex: 11:28pm On Feb 15

funkyy598:
Please, instead of spending that money on a master’s degree, consider using it to study French in Togo or the Republic of Benin and aim to land in Canada as a PR holder. Education in Canada is not cheap ..the french category draw is great chance to get PR

wow Togo. Is it possible to learn in Nigeria? I want go through school because I don't have the three years experience required for pr

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