COST OF LIVING EXPENSES IN CANADA 2023 | COMPUTATION FOR FAMILY OF 3 | BUHAY CANADA

[@dg.2026]

Hi, I watched this video, expenses like life insurance, you can find a term insurance temporarily or if you have benefits from your work, life insurance is included. You can convert that $ to TFSA or RESP, at $250/month, a great investment instead than life insurance.

[@florenciosaluta2416]

Galing ng tandem nyong mag asawa sa pag vlog,kaya lagi ko kayong pinanonood kahit ano ang ginagawa ko galing nyong mag paliwanag sa mga content nyo..watching from brantford ontario 🇨🇦..

[@alwinemma]

Thanks for watching po!

[@grevron7607]

naligaw lang ako sa page nyo dahil sa topic namen about budget comparison dito sa CA. :D :D :D na realise ko antaas pala ng cost of living ko dahil kaka gala. lol. thanks for the tip.! Happy New Year mam and ser.

[@alwinemma]

Mind to share po kamusta ang expenses ninyo? Hehe

[@emilianogabriel9613]

Ang tumira at mamuhay sa Canada at US medyo mahirap pero kahit saang lupalop ka tumira kung tamad ka talagang mahihirapan ka di ba kami kaya lumipat sa US kasi peace of mind sa Pinas kasi kahit balot ng bakal bahay mo pilit na pinapasok pa rin kahit nasa street ka hindi safe sa atin noong nasa Pinas pa kami ok naman buhay namin kasi seaman ako at RN intructor si misis may bahay at car pero nagbaka sakali pa rin kaming pumunta sa US ngayon were both retired at may limang apo na kamusta na lang ulit sa inyong lahat god bless you always

[@alf5155]

Nag iba na ang panahon, hindi na gaanong safe sa Amerika - ang daming random shooting, retail looting, mataas na ang crime. At nangyayari na rin ito sa Canada. Kailangan na mag isip ngayon kung kailan ba talaga mamuhay sa ibang bansa.

[@AmarahGADJALIPatarasa]

Wow another interesting video nanaman Atty.Emma at boss Alwin very useful ideas..❤ advanced merry Christmas and happy new year..your solid subscriber from.Saudi Arabia po...

[@alwinemma]

Maraming salamat po! Merry Christmas and Happy new year!!

[@EvendimataE]

NUNG 2007, $15 PREPAID FIDO CELLPHONE ANG GAMIT KO...SA BAHAY NA LANG AKO NAG IINTERNET AT PANG EMERGENCY LANG ANG CP KO

[@dheylavie]

Thanks! Very informative. Can you do a tutorial din po on filing taxes for international student and owp?

[@alwinemma]

Hello, we did not DIY it po. We consulted an accountant. 🙂

[@markarciaga423]

bagong gupit si madam emma, blooming e

[@alwinemma]

Hahaha maraming salamat po!

[@KidRysen]

Boss kakagising ko lang din kanina eheh. Wassup Zion. Impt. naman talga ang bahay at tsaka kotse depende nalang din si prio nyo. Either way its fine for as long as you can keep up with the expenses which laban. hehe. Boss ingats kaau sa winter sonata hehe

[@alwinemma]

Maraming salamat boss!!

[@EvendimataE]

NUNG 2007 $27/HR ANG SAHOD KO AS APPRENTICE PLUMBER...ANG NA AALALA KONG TAKE HOME KO MGA $3200/MONTH LANG ATA...DI PA PALA PWEDE PANG PAMILYA YUN...BUTI NA LANG DI PA AKO NAG ASAWA NUN.....HEHEHE

[@albertteng1191]

Parang ayaw ko ng pumunta sa canada. Dito na lang ako sa pinas. At least dito malaki pa naiipon ko buwan buwan at nakaka afford pa ako ng bagong iphone. Car insurance ko is only US$700 equivalent per year lang.

[@bountifullife9604]

Best decesion na kumuha ng life insurance atleast may peace of mind.

[@alwinemma]

Agree 💖🙏

[@evangelinahorario456]

It is but I don’t think it’s necessary to buy life insurance for the kid. Life insurance is to replace the income of the person. The kid doesn’t have an income yet. It’s probably best to invest the money for kid’s college fund through some tax free investment.

[@alwinemma]

@evangelinahorario456 good point 🙂

[@evangelinahorario456]

100 dollars invested in a good mutual fund can double every 7 years. It will secure Zion’s future not just his college expenses. Just saying.

[@evangelinahorario456]

Dave Ramsey on life insurance for kids on you tube.

[@nestorchua5329]

hello salamat PO, Sana me breakdown Ng expenses para Indi Na namin isulat thanks again

[@alwinemma]

Hello! Meron po breakdown, watch nyo po. 🙂

[@philosophirobin]

Sa clothing po magkano kaya

[@pn9959]

Former insurance agent here.. you guys should never mix insurance and investment.. you guys probably have universal life or whole life.. you guys are better off buying temporary insurance and invest the difference .

[@tessdenton1389]

Noong first time (new comer)ko lang sa Canada in the early 90’s was young and single, walang pang masyadong kaalam alam may nag-alok sa akin na dapat kumuha ako ng life insurance with investment, na ito ay pag ayaw mo ng ituloy pwede mong e- lump sum kung ano man ang magiging value. Noong nagkapamilya na , I decided to withdraw after 18 years. It ends up I got all my money back only without earning interest. Sa akin that was a good thing. By the way the insurance company was Forester Life Insurance.

[@Joeym1655]

Tama whole life or universal insurance is a bad idea because you are better off buying term insurance and investing the premium difference in a low cost ETF you will come out ahead especially if you are looking at a long time horizon. You need to understand what risk you are insuring against - for most people your age it is to protect against loss of income in the event someone passes away. If this is your reason then insuring Zion makes no sense at this time because there won't be any income lost. I know in Pinas insurance agents do their best to sell family plans but you have to understand what you are buying.

[@fidelalmoite5789]

Korek po, before akala din namin mas maganda ang insurance with investment Pero mas advisable pala ang term insurance.

[@alwinemma]

Maraming salamat po sa inyong insights. Very helpful po sa lahat. Merry Christmas! ☃️

[@kevintabuquilde6083]

Paano po Kaya mag diy application for pr?

[@alwinemma]

There can be helpful videos po here in YT. You can check also sa website ng Canada Immigration.

[@kevintabuquilde6083]

Salamat po

[@paoloincanada]

Sir Alwin and Mam Emma pwede po ba mag pa picture pag punta nyo dito sa Vancouver? May time po ba kayo imeet mga subscribers nyo dito? 😊

[@alwinemma]

Wow we feel honored. Sige po will let you know saan po and kailan dahil makikitira lang po kami doon hehe. Alamin po namin sked nila 🙂🙏

[@lynluvsmilo2563]

Ang laki ng monthly! Apt.po ba kau nkatira or bahay?At saka Ang mahal ng life insurance🫣

[@armierodriguez2202]

Pano ung daily allowances nyo like ung transpo and school allo wala sa list dapat ksama pa din sa budget yun

[@alwinemma]

Transpo ni SP ay kasama na sa tuition kaya po no additional cost. Once a week lang magbaon sa school pag lunch, and kung ano po ang ulam sa bahay un po ang dinadala. Transpo ni OWP, nasa gas expense na po. Ang baon nya ay part ng groceries.

[@armierodriguez2202]

Yung tuition po and di kasama sa monthly expenses which is un ang mabigat kaya ba ng salary ni mr?

[@alwinemma]

No po. Kaya need po na handa bago pumunta dito. Savings po namin ang maghahandle ng tuition for next sem. Otherwise, para masagot po ng sweldo, need po magdouble job o work pareho.

[@armierodriguez2202]

@@alwinemma bale po if would take years talaga para makabawi kung baga sa ROI ano po. And yung assurance po nung PR after graduating sure na po agad? Or need pa mghanap ng sponsor?

[@shereen2k9]

hello po..sa total expenses po ba nyo kaya po ng isang work lng tpos minimum? pareho po ba kyo fulltime job? di po ba magiging pay check to paycheck lng at wla savings? salamat po. God bless.

[@alwinemma]

Hello po! Hindi po kaya ng isang work tapos minimum. Need po may savings.

[@erwinlivelo9457]

Guys kaya ba Ng sweldo ni Alwin na bayaran Ang tuition fee ni Emma sa SAIT?

[@alwinemma]

If sa employment po iaasa lahat ng gastusin, hindi po ito kakayanin. Kaya dapat po may ibang source of income or dapat may baon na pong ipon para sa tuition fee.

[@Kantoboys-x3r]

Kung sa sahod lang kukunin lahat ay hindi kakayanin pre. Kaya nga dpat pag ppnta dito bilang student Eh hindi mekus mekus ung mga pinaglalagay sa papers.

[@colleenfe1208]

Electricity nyo po kasama na sa rent? Ok yun ah

[@alwinemma]

Yes po 🙂

[@vinluanfham3042]

ano na po work nyo sir alwin now? isang work lang po kayo?

[@alwinemma]

Yes po forklift pa rin po

[@nidastirling9239]

🙏🙏❤️❤️❤️☃️❄️☃️

[@alwinemma]

💖💖💖

[@OrlandoMakalintal]

Hi Kuya Alwin, anu po car insurance company nyu? maayos po ba? slamat

[@alwinemma]

Cooperator's po. Watch nyo po previous vlog namin 🙂 so far ok naman po

[@OrlandoMakalintal]

@@alwinemma yes kuya, napanuod ko po, peo kuya reliable nmn sya for those time na kailangan sya? hehe what i have now is TD, grabe ang mahal po haha

[@alwinemma]

Magkano po sa inyo? And ano car ninyo? We can't tell yet sa Cooperator's dahil di pa naman namin sya kinailangan, kakastart lang namin nung October.

[@OrlandoMakalintal]

@@alwinemma bulok po kuya haha 2008 model kaya nagulat po ako na mahal hehe peo policy wise kuya after po nang review nyu okie nmn? slamat

[@tessdenton1389]

Comprehensive siguro ang insurance at talagang mahal sa TD. Sa The Dominion General Insurance Company maganda, Toole Peet (11 St.-17 Avenue SW) ang broker. Friendly staff and very good service. Ask for Alissa Stewart.

[@achillesvlog4697]

Kasama napo dyan ang bawas sa tax???

[@alwinemma]

Lahat po ito may tax since expenses. Iba po ang income, yun po ang may bawas ng tax.

[@ryanandaya7792]

Saan po ang agency nyo ma'am/sir?

[@alwinemma]

Wala po kaming agency

[@nestorchua5329]

Indi Po kasama hulog Sa car?

[@alwinemma]

Kasama po. Watch nyo po ang video sir 🙂

[@bisayakangdako3197]

Sir do i have a chance or hope to live in canada?🥺🥺🥺

[@alwinemma]

Everyone has a chance naman po. We just have to do our own research. God bless po!

[@LutchelleC]

Wow ang mura po ng house rent nyo.

[@alwinemma]

Salamat po. Nasa Calgary rin po ba kayo?

[@LutchelleC]

Yes po. In Cranston. Though I am not renting pa but I have friends po who do and ranging from 1.8-2k+ rent nila. Huhu sana awat na inflation.

[@alwinemma]

Ohh, ganun na nga po ang rent sa ngayon. Excluding utilities pa po ba un?

[@Yoongiscat0309]

may work po ba ngayon si atty.? student po ako at hirap makahanap 😢

[@alwinemma]

Wala po. Nagcoconflict po minsan sa sked. Saan school po kayo?

[@edreaella1493]

Hind b kau nagsisi na tumira sa Canada

[@alwinemma]

Too early to answer this question po but sagutin na po namin. Hehe. As of now masaya naman po kami 🙂 Get back to us after 5 years then sasagutin po namin uli 🙂

[@n0t1n2punk]

Hello po, question po ulet dun sa isang video nyo regarding paguwi ng pinas. Hehe. Dumaan po ba kayo ng immigration sa calgary/vancouver para sa passport checking? Yung parang satin sa pinas na iiscan yung passport or stamp ng IO. Kasi parang walang ganun. Dire diretso na sa boarding gate nung galing ako ng edmonton. Sa edmonton luggage drop lang. Tapos sa vancouver diretso na sa boarding gate

[@alwinemma]

Sa Calgary lang po. Sa Vancouver wala 🙂

[@n0t1n2punk]

@@alwinemma ahh thanks po. Sa edmonton naman baggage lang tapos diretso na sa boarding gate 👀

[@loretacalonge4431]

How about clothing, house maintenance, restaurants,gifts,vitamins,diapers, etc

[@MichaelPilit]

MAS MARAMI PA ANG MGA SUBSCRIBERS NINYO MAG ASAWA KAYSA KINA "Inags" AT "Rice Velasquez" AHHHHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@MichaelPilit]

MAS MARAMI PA ANG MGA SUBSCRIBERS NINYO MAG ASAWA KAYSA KINA "Inags" AT "Rice Velasquez" AHHHHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@MichaelPilit]

MAS MARAMI PA ANG MGA SUBSCRIBERS NINYO MAG ASAWA KAYSA KINA "Inags" AT "Rice Velasquez" AHHHHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[@alwinemma]

Subscribe na rin po kayo sir. Hehe merry christmas!