Where to move? ON or AB? | Page 2 | General financial discussion | Discussion forum

Please consider registering
guest

sp_LogInOut Log In sp_Registration Register

Register | Lost password?
Advanced Search

— Forum Scope —




— Match —





— Forum Options —





Minimum search word length is 3 characters - maximum search word length is 84 characters

No permission to create posts
sp_Feed Topic RSS sp_TopicIcon
Where to move? ON or AB?
January 6, 2018
7:09 pm
Loonie
Member
Members
Forum Posts: 9396
Member Since:
October 21, 2013
sp_UserOfflineSmall Offline

I think you will have lots of options. It just takes a little time.
Canada is trying to position itself as a world leader in tech. While I have some doubts about that as long as I don't think our educational system is really strong enough right now, a lot of US companies seem to be looking fondly at us in the current political climate and there must surely be opportunities here. You probably know better than I do where the "hot spots" are in Canada for tech, as I know nothing about it except what I see on the news.

It's too late now for you and your wife to learn enough French to make a go of it in QC, I think. The language proficiency tests for health care professionals are, as I understand it, quite tough, as they need to be. Communication is key in health care.

Personally, I would not want to do the Windsor-Detroit thing. I just have an instinctive aversion to crossing that border regularly. I like to maximize my chances of being home for dinner.

Don't assume that if you're in the GTA that you will be spending hours and hours on the road. Many factors are involved. Lots of people (mostly single, I grant) even walk to work here and choose not to own cars. The subway now goes up to Vaughan (in "905"), has wifi, many brand new stations opened last month.

The difficulty for most people comes when two partners work at opposite ends of the city because they couldn't find jobs closer together. There are hospitals everywhere, so you just need your wife to get a job at the hospital nearest your work and get a house somewhere in between. Don't rule out the GTA in principle. You need to look at specific scenarios - jobs, housing, schools, etc. Ontario does have French schools, but not a lot of them and they are not always convenient and may involve long bus rides for your children - another factor to consider. My guess would be that there are even fewer in Alberta, but that needs to b checked.

Wiinnipeg is also inexpensive for housing. I don't know about jobs. Young single people can afford homes there with a head start from mom and dad.

January 6, 2018
7:16 pm
Doug
British Columbia, Canada
Member
Members
Forum Posts: 4291
Member Since:
December 12, 2009
sp_UserOfflineSmall Offline

Top It Up said
Victoria, BC is the crown jewel of Canada - considering anywhere else is just trifling.  

I would probably agree with that - or maybe any mid-sized Vancouver Island city, such as Nanaimo (never been there, though) or Courtenay, which is growing and having a bit of a "mini-boom," as I understand it.sf-cool

Never been to Kingston but, from the pictures I've seen, I love it so that, Ottawa or Waterloo would probably be my "top picks". 🙂

In Alberta, my sister lives in Calgary and really likes it. My grandpa lives in Pigeon Lake (not actually IN the lake, though! at least not YET...he's not "sleeping with the fishes," so to speak). Edmonton's nice, not as laid out as well as Calgary but fairly affordable. Winters are rough anywhere in Alberta, maybe less humid than Quebec but certainly more humid (i.e., more wind chill) than, say, a semi-arrid place like the Okanagan where I am. If I were going to move to Alberta, my "top picks" would be (in this order):
- Leduc (close to Edmonton and the airport, with public transit service to Edmonton)
- Devon (equally close to Edmonton but perhaps not as good of public transit connections to the big city)
- Calgary, including surrounding areas like Cochrane, Airdrie, Balzac (i.e., Amazon Fulfillment Centre under construction currently; also home to a large outdoor and indoor shopping centre that is a destination for Calgary area citizens and tourists alike; also home to Canada's westernmost groundhog & weather prognosticator, Balzac Billy) or Okotoks (close to the southernmost part of Calgary which is growing rapidly in a modern but a more affordable suburb, including proximity to the new Calgary Health Region Southern Campus Health Centre)

You might also consider Red Deer or Medicine Hat, the next two largest cities at about 100,000 a piece. sf-cool

Cheers,
Doug

January 6, 2018
7:21 pm
Doug
British Columbia, Canada
Member
Members
Forum Posts: 4291
Member Since:
December 12, 2009
sp_UserOfflineSmall Offline

How affordable is Vaughan, Loonie? That's a growing, nice area, apparently. If you wanted to be near Toronto, that might be a good option. What about Oakville or Barrie, how are they for affordability? Does the subway/GO trains go there too?

Cheers,
Doug

January 6, 2018
7:29 pm
Doug
British Columbia, Canada
Member
Members
Forum Posts: 4291
Member Since:
December 12, 2009
sp_UserOfflineSmall Offline

AltaRed said
A lot may depend on work experience so far and preferred careers, but I would suggest not overlooking the southern interior of BC, e.g. the Okanagan Valley. Professional employment is now picking up with a growing tech sector, and the climate is moderate relative to other places in Canada (southern Ontario coming closest perhaps overall). Housing is still relatively affordable, though now starting to rapidly increase due to people fleeing the Lower Mainland of BC, and may now be higher than Montreal. There is also a good UBC campus here albeit not as big and diverse as exists in Vancouver itself.

I've lived in AB for many years, GTA for about 10 years, and also St. John's. I am now retired and live in the Okanagan Valley with no intention to ever leave it.

It might help revealing what kind of careers one is focusing on.  

I live in the Okanagan too and I would say it's pretty good but probably about as affordable as Victoria. Average home price in the Central Okanagan, according to BC Assessment data, is now over $600,000. However, I wonder how they define "average". My parents and I live in a 35ish year old 1100 square foot walk-up home with an above ground 900 square foot basement that is plenty big enough and at its most recent assessment of $414,000 is pretty reasonable. The one thing I would caution: be careful which city you pick. 🙂

My "top pick" would be the District of Lake Country, both for its proximity to the City of Kelowna, the airport, the City of Vernon and the UBC Okanagan campus. Its municipal governance is a bit better, with a council less afraid to spend money on the most basic of public services.

I would stay far away from the City of West Kelowna, where I live, with an asinine municipal council that won't spend on anything besides fire, police and municipal bureaucrats. Every which way you turn, they're cutting spending and service hours at the only public pool, on public transit, on roads & sidewalks and snow clearing is horrid.

The City of Penticton is growing rapidly as is the Town of Oliver, both of those would be good, more affordable picks, but, in the latter, you'd want to both have your driver's license. That said, the brand new local provincial prison always seems to be hiring Corrections Officers. On its back door is the massive Jackson Triggs/Inniskillin winery and production facility, which, I'd imagine, is always hiring. sf-cool

Cheers,
Doug

January 6, 2018
7:34 pm
Doug
British Columbia, Canada
Member
Members
Forum Posts: 4291
Member Since:
December 12, 2009
sp_UserOfflineSmall Offline

Jon said
No, no, no. I am just saying working in the state and have TFSA account will cause problem with the IRS as they don't see TFSA as a retirement savings trust and you will have to file US tax on it, in which it is a tedious task to do so. However, this is not a problem for RRSP.  

My understanding is that working in Detroit while residing in Canada would not impact your TFSA/RSP eligibility. You may; however, be subject to U.S. income taxes and Canadian income taxes, though I don't think Canada double taxes employment income in another country like the U.S. does.

Why not just live & work in Waterloo?sf-cool

Cheers,
Doug

January 6, 2018
7:39 pm
davidgeorge
Member
Members
Forum Posts: 335
Member Since:
May 20, 2016
sp_UserOfflineSmall Offline

Ottawa is a good city to live. Very good french public school and very reasonable housing price.

January 6, 2018
7:47 pm
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

All great options and that's why we are confused. We were hoping Quebec works out but unfortunately it didn't.

Learning French to communicate comfortably using medical terms is not an easy task. My wife doesn't really have to deal with patients directly too much and explain things to them (radiography to be more specific) but she still needs to pass the French exam which ended up not being an easy task. Yes there are courses but it is taking too much time and effort and affecting self confidence.

For the kids, if and when we settle down, we had plans to spend a Summer in Latin America and have them in a Spanish school. Fun and learning experience. Sorry can't think of teaching them Chinese. Just too complicated I guess.

Winnipeg - I wouldn't go to a place that might make me move again. It is not a tech hub and it is too cold. Colder than Alberta. I think Halifax would be much better than Winnipeg.

And now by suggesting places in BC, I am even more confused LOL. We haven't even considered basically because of the news articles we read daily about how people are struggling with houses and rents.

Doug - Why Leduc or Devon? It is still going to be a 40 km commute to the city unless the job ends up being in the airport.

I am not rolling out GTA. We are just not sure about it. I don't want to be stuck in a $1M tiny house just because it is in Toronto. At the same time, I am not sure if the pay will be high enough comparing with QC or AB to justify the high expenses of living in Toronto.

So all great options. Let's ask this. Who thinks AB might go down again? I am not really sure how much it relies on Oil industry now but I haven't heard of anyone in tech or health moving out even when oil crashed. Also, the salaries seem to be much higher than skyrocketing Toronto.

The only bad news would be that Edmonton airport is not as active as Toronto or Montreal. We travel 2 - 3 times a year (South or Europe). We will have limited options and longer flights from Edmonton or Calgary (and more expensive). But maybe we can start trying South Asia as we have never been there. (Do you see my silly concerns?!)

Ok. We both are going to apply for jobs in everywhere across ON and AB and see what happens. Please keep this post going as I like all your thoughts.

January 6, 2018
8:08 pm
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

I forgot to add. I don't want to be greedy and even think about living in Canada and working in the states. I know getting paid in USD is nice but the headache of the paper work might not worth it.

So let's make this simpler. If you get paid $75K - $90K a year, would you go to Ontario (GTA, Hamilton, London, Windsor, etc) or Alberta (Edmonton, Calgary)?

I didn't include Ottawa because I will not have to even think if I get an offer there.

January 6, 2018
8:48 pm
Loonie
Member
Members
Forum Posts: 9396
Member Since:
October 21, 2013
sp_UserOfflineSmall Offline

Doug said
How affordable is Vaughan, Loonie? That's a growing, nice area, apparently. If you wanted to be near Toronto, that might be a good option. What about Oakville or Barrie, how are they for affordability? Does the subway/GO trains go there too?

Cheers,
Doug  

This probably doesn't address OP's question, but i don't get the feeling Vaughan is cheap. lots of big houses there. tends to have ethnic pockets - mostly Italian and Jewish from what I've seen, but perhaps others. I don't know it that well. A relative bought there a couple of years ago. it was over a million for sure, large modern house.

Oakville is expensive. In some years it has had the highest per capita income in the country.

Barrie has a lot of GTA commuters, people who moved there because it was cheaper at the time. Not sure about current prices. It's in a snow belt. Commute can be brutal. I wouldn't recommend unless yhou have a job up there.

GO transit goes everywhere but not always conveniently, especially if you are working shifts as many hospital employees do. They are putting in fast light rail around Waterloo-Guelph area, perhaps it's already in place. I think it's increasingly easy to get around there. Locals I know seem pleased.

I would look for the job first, in an area which held possibilities for me as a place to live. I would not put long commutes by car on my list, or by GO for that matter. Subway is good. I live near the subway, and spent the extra money to buy there long time ago; have never regretted it. It has worked well for us and value near subway has always held.

January 6, 2018
8:58 pm
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

Totally agree with Loonie. I now live just cross the subway and it is a wonderful option specially during brutal snowy days. We barely even need to take the bus and I HATE taking buses. Never on schedule and waiting in the cold or rain is just a mess specially knowing my children will have to do the same.

We are not a kind of family who think the kids should leave when they are 18. I rather ask them to stay with us and save money than going on their own during their most difficult and dramatic period of life. Considering this, we would want a place that won't take everyone'e energy / time to get to work or university. I know I still have many years for the children to go to school but as I said the main point is to find a place that can be called home for 20 years. This place needs to (as of today's standards as we can't know the future) have a good economy with steady growth offering its residents job opportunities.

Thanks

January 6, 2018
9:15 pm
AltaRed
BC Interior
Member
Members
Forum Posts: 3145
Member Since:
October 27, 2013
sp_UserOfflineSmall Offline

Save2Retire@55 said
And now by suggesting places in BC, I am even more confused LOL. We haven't even considered basically because of the news articles we read daily about how people are struggling with houses and rents.   

You cannot characterize BC simply from the Greater Vancouver Area (Vancouver) or the Island (Victoria et al). That is the same as saying all of Ontario is like the Greater Toronto Area. Kelowna has a burgeoning tech industry with some 600 companies now in the area. Mostly small ones I suspect but city council is supportive of more tech industry moving here. Whether there are any senior tech positions in Kelowna, I don't know but I suspect not. That said, I wouldn't be surprised if Microsoft or similar didn't expand to a place like Kelowna that has lots of access to the outdoors, wine country, sun and lakes. Millennials are finding there is quality of life in Kelowna or surrounding cities/towns. Kelowna also has the primary regional hospital for the southern interior of BC.

What Kelowna doesn't have is many of the amenities one would expect to have in a place like Montreal, Toronto, Vancouver, or Calgary, but it does pretty good for a fast growing city of about 125,000 (perhaps 200,000 in the larger metro area). And it has a very nice waterfront on Okanagan Lake, plenty of bike trails, lots of hiking, 100-200 wineries, and 2 significant ski resorts within reasonable distance (Big White and Silver Star).

As for cost of living (goods and services), I don't think it is as expensive as most might think. BC does have a 7% sales tax but that is not a whole lot different than most provinces. Its income tax rates are not out of line either (per taxtips.ca) with other provinces.

Not trying to sell you on Kelowna, but would suggest you take a hard look at it via various websites and any insider knowledge you might have in the tech industry regarding what Kelowna has to offer. It all depends on what you are looking for, for both work and home life.

January 6, 2018
9:41 pm
Loonie
Member
Members
Forum Posts: 9396
Member Since:
October 21, 2013
sp_UserOfflineSmall Offline

Have never lived in the Okanagan but have visited there several times. Hot as Hades in summer; high risk of fires; lotsa snow in winter; overpopulated considering the space is a valley. I would agree with Doug on Penticton, which I like. Kelowna is a nightmare in my opinion.
However, you need to be where the job is. Don't count on driving from one town to another to go to work as there can be problems on the highways due to weather etc. I couldn't live there as I find it all claustrophobic, but it's pretty. AltaRed is likely correct about the tech biz in Kelowna, but the result of this rapid growth is really ugly IMO; and news stories tell us this has prompted building on slopes which are vulnerable to fires and landslides, so be very careful about where you buy, if you buy.
i wouldn't touch Vancouver Island. Personal preference, but I dislike Victoria, a very boring town in my opinion , with rinky-dink facilities.
I love BC; great place to visit. And I have seen a great deal of it. just wouldn't want to live there except as retiree. Now, you can all dump on me for my opinions, but that's what they are. Nobody has to agree.

To OP: I think what you lack is a strategy for moving forward and evaluating the options. You need a very clear list of priorities and a clear sense of what you are willing to put into monthly house, mortgage, utilities, insurance for house, taxes. Look at hydro rates - much higher than QC, more than likely. Be aware too that car insurance costs vary geographically. There is significant variation, within GTA, even within Toronto, on cost of house and car insurance, for example. In some areas you will need flood insurance, which can be very expensive. In others, you will find fire insurance is expensive. Are there some locations where you could avoid owning 2 cars? All these factors, and more, need to be put into the formula.

I don't know how you manage 2-3 out of country trips/yr for 4 people on perhaps 100K pre-tax family income?, AND save money. My hat is off to you!

You need to have some sort of chart which shows how much you would need to be earning in order to find a job in city X to be attractive. To do this, you would need to cost out the variables, including the extra travel costs, convenience to French school, etc.

I don't see that there is one province which is necessarily better than another for you. You don't seem to have a strong personal preference about where you want to live, although it sounds like you may favour ON. Ontario and Alberta are like night and day, actually - geographically, politically, recreationally, culturally, etc. Do you really not care about these things? Perhaps not.

FWIW, I would not go to LeDuc. Thre's nothing much there and it is is a hike into the city, although roads not as busy as here. i too have relatives at Pigeon Lake, oddly enough - very expensive for what it is. Lakes are scarce in AB, so that Pigeon Lake is expensive as it's not far from Edmonton. It's fairly large as a lake for Alberta, but not really big. My family members have been there all their lives but they never have much positive to say about the lake itself - always too many bugs or something. I would go to Strathcona, within Edmonton, or St Albert outside of it. Calgary is also nice in some areas but rough in others, and very convenient to mountains. if you like Alpine skiing, then the West is for you. I also like Red Deer, but not sure if any jobs there; would not be expensive, I don't think. But I would not leave Ontario for Alberta, personally.

I don't get a strong sense of what you want in a community, other than costs and French school and jobs, so it's hard to recommend.

I would say, develop your grid or chart, then start applying to places that fit into it, and see what comes up. When you find a good match, and get an offer, your gut will tell you if that's what you want.

Use your next vacation to see more of Canada, and explore some of these places in person.

January 6, 2018
10:45 pm
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

@AltaRed - Thanks for your point. I am checking Kelowna.

January 7, 2018
12:35 am
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

@Loonie - You have been very helpful as always. Next 2 vacations are already booked but we can do it because we know our limit when we travel and we always keep in mind we need to be mindful in order to do it again and again.

Yes. I am just looking for an affordable place with jobs. A university for the future and activities for kids plus French schools. The community doesn't matter much. We are easy going as long as we can speak the language and won't have to struggle with teachers, etc and use Google Translate even for reading the parking signs (Which are so confusing and got me my first ever parking ticket).

I have started applying for jobs in both ON and AB without limiting myself to a place specifically to see what comes out of it. I personally prefer ON but again it is a matter of affordability. The health incomes are usually the same in AB and ON. It would make a different if I can get an offer to balance the higher rates of all the things you mentioned. I think the main concern would be the property.

I will update whenever I hear some news.

January 7, 2018
4:40 am
Top It Up
Member
Members (temp break)
Forum Posts: 1363
Member Since:
December 17, 2016
sp_UserOfflineSmall Offline

The derogatory comments aimed at BC, as a whole, are so incredibly out-of-touch with reality that they are worth no further comment except to say they are comments typical of myopic easterners.

January 7, 2018
5:55 am
Bill
Member
Members
Forum Posts: 4024
Member Since:
September 11, 2013
sp_UserOfflineSmall Offline

Top It Up, some truth to what you say (I personally think GTA is the hole of Canada), but you might have started it - see post #6sf-wink.

Everyone has some civic pride and presumably likes where they live or they wouldn't live there. I moved from GTA to where I consider paradise in comparison but I'm not suggesting anyone else move here - it's just fine the way it is, thanks, quite happy to have it overlooked by other potential-migrants!

Sounds like Save...... sees negatives for all options - price of homes, commute, language, travel connections, climate, job opportunities, provincial economic outlook, etc, etc. You can always find fault with where you live, no place has everything, so often people like that end up moving a lot or at least being dissatisfied with where they are (Save likes to travel extensively it seems too, another indicator to me), i.e. the grass is always greener personalities. Their lives will always be more peripatetic than those of us who like to hunker down in a place they love.

When I decided as a youngster on where I'd live, I NEEDED not to be a wage-slave for decades to my mortgage or other financial obligations, I NEEDED a pace of life out of the rat race, I NEEDED a small-city environment where nature, not buildings and roads, was the dominant daily environment in my neighbourhood and town. So focusing on those 3 made it easier, lots of options - the rest of the stuff, there's some good, some bad, just like everywhere, who cares? And if you have a family that enjoys being & living together lots of places will do just fine as far as having a happy life.

January 7, 2018
9:40 am
SavingIsGood
Member
Banned
Forum Posts: 215
Member Since:
February 18, 2016
sp_UserOfflineSmall Offline

Bill said
It sounds like a lot of time, energy and money would be expended to move, why not just learn French?

Exactly. I cannot understand OP living in a province where 'French' (it has nothing to do with real French language, Quebec 'french' is ... whatever... and this is from person born in Paris, France (not me)) and NOT knowing language?????
Same as living in Sweden and not knowing Swedish with lame excuse 'I work for Bulgarian company, I do not need to know Swedish'.
Buddy, learn French even Qfrench is a funny one. Knowledge of ANY language only enriches your life.

January 7, 2018
9:41 am
AltaRed
BC Interior
Member
Members
Forum Posts: 3145
Member Since:
October 27, 2013
sp_UserOfflineSmall Offline

Top It Up said
The derogatory comments aimed at BC, as a whole, are so incredibly out-of-touch with reality that they are worth no further comment except to say they are comments typical of myopic easterners.  

Indeed, but I have refrained from commenting on such bias. That said, the OP is not going to find the perfect solution. It will be a compromise of job opportunities/career, physical environment and amenities, cultural and social environment, etc. The OP needs to establish priorities and start doing a lot of internet digging to see what appeals, and what does not appeal.

The big cities offer the best job and cultural opportunities, but bring with them high costs of living and/or commuting. Smaller regional centres are a compromise of what I consider higher 'quality' of life at the expense of job opportunities. I've lived and worked in over a dozen locations over my career, in centres of 150k to 6000k... as far north as Edmonton, as far east as St. John's and as far south as Houston. Each has its pluses and minuses.

Before the OP makes 'final' hard decisions, the OP and family should ideally spend some vacation time in the key places of choice and get absorbed in trying things like the commute to get a real feel. I would fully understand if the OP has no desire to 'dry run' Calgary, Edmonton or Winnipeg in dead winter. I had enough winters in Calgary and Edmonton to know I could never deal with that again. Christmas visits back to family in Calgary are often a painful physical experience.

January 7, 2018
10:38 am
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

Sounds like Save...... sees negatives for all options - price of homes, commute, language, travel connections, climate, job opportunities, provincial economic outlook, etc, etc. You can always find fault with where you live, no place has everything, so often people like that end up moving a lot or at least being dissatisfied with where they are (Save likes to travel extensively it seems too, another indicator to me), i.e. the grass is always greener personalities. Their lives will always be more peripatetic than those of us who like to hunker down in a place they love.

When I decided as a youngster on where I'd live, I NEEDED not to be a wage-slave for decades to my mortgage or other financial obligations, I NEEDED a pace of life out of the rat race, I NEEDED a small-city environment where nature, not buildings and roads, was the dominant daily environment in my neighbourhood and town. So focusing on those 3 made it easier, lots of options - the rest of the stuff, there's some good, some bad, just like everywhere, who cares? And if you have a family that enjoys being & living together lots of places will do just fine as far as having a happy life.  

I admit, I think this is true about me. I can't have everything but I need to have it. Impossible mission. I have to think more and deeper before deciding. This was a wake up comment 🙂 I appreciate it.

Regarding the travelling, We travel for the experience. It is tiring and takes lots of time to prepare specially on budget with kids. It is not an easy task at all. And it is about 1 - 1.5 months per year but that has nothing to do with the settling plan. Living in a place is not like travelling for fun. Thanks

January 7, 2018
10:42 am
Save2Retire@55
Member
Members
Forum Posts: 848
Member Since:
January 3, 2013
sp_UserOfflineSmall Offline

Exactly. I cannot understand OP living in a province where 'French' (it has nothing to do with real French language, Quebec 'french' is ... whatever... and this is from person born in Paris, France (not me)) and NOT knowing language?????
Same as living in Sweden and not knowing Swedish with lame excuse 'I work for Bulgarian company, I do not need to know Swedish'.
Buddy, learn French even Qfrench is a funny one. Knowledge of ANY language only enriches your life.  

As I said, it is not just about the language. It is the whole culture. It is very annoying when you can't feel belonged to the place. We many times travel as a road trip to Ottawa or other places in Ontario just to experience the "True North". To be able to feel good again around people. I am sorry, I don't mean to insult anything or anyone or anyplace. As I said multiple times, this is our issue not the place or its people. We tried to adjust and be part of it but it is not working so what's the point of staying and spending many years trying to fix it?

No permission to create posts

Please write your comments in the forum.