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Lobster

Joined: 20 Jun 2006 Posts: 2040 Location: Somewhere under the Sea
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Posted: Fri Sep 09, 2011 4:47 pm Post subject: |
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The numbers and details seem all out of whack to me. Firstly, there are no full-time jobs at McD's and similar except for the manager's. You may contribute to CPP, but there are no benefits. No bank is going to give someone who works part-time jobs in fast food a mortgage. Where does the down payment come from? What about the rent you must pay and other expenses while you save for the down payment? What about taxes? It is absolutely not cheaper to buy groceries in Canada and cook at home than it is in China. I was just there a couple of months ago, and even the vegetables were more expensive there. Gas and the cost of public transportation is high, and utilities are a total ripoff. Clothing? Ha!
Look, I know working couples in Canada with decent jobs paying about $18 per hour. Even living frugally they can only dream about buying their own place. Of course, Canada is a big place, and you can find cheap deals on houses if you're willing to live in less-desirable places. But if you want to live in Vancouver, Toronto, Calgary or Montreal, you will be a renter for 20 years before you even get a mortgage. After 20 more years of paying the mortgage you'll be ready for comfortable retirement, if you consider living under a bridge and eating dog food comfortable.
In contrast, after working hard in China for 6 years I was able to buy an apartment in Shanghai. Its value has now tripled. My mortgage will be paid in a few more years. My utilities bills in January were about $50. My wife doesn't have to work. What I want to buy, I can buy. When the mortgage is paid, I will be able to, should I choose, sell the apartment and buy a place in Canada outright. I'm certainly not working in a grease pit for 40 hours a week to do it.
When I was living in Canada, I had an ok job. I had a newish car and life wasn't too bad, but it wasn't a MCd's job. I was the AD for a major language school. Even so, the idea of owning a home there was a distant dream. It's nice to be down on China and what people can do here, but the "facts" about life in North America presented here are unrealistic. Please do keep us updated regarding your progress.
And no, I am not a recruiter, so don't even go there.
This, however, is not the topic of this thread. I have not heard any more about this suicide/murder/whatever since it supposedly took place. It seems that there is an awful lot of crap coming out of these two schools from both the admin and FT sides. There are quite a few FTs working in China at any given time, and no doubt there will be murders, suicides and robberies committed. The details of this particular incident remain obscure.
RED
Last edited by Lobster on Fri Sep 09, 2011 6:25 pm; edited 1 time in total |
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7969

Joined: 26 Mar 2003 Posts: 5782 Location: Coastal Guangdong
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Posted: Fri Sep 09, 2011 5:34 pm Post subject: |
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| Cairnsman wrote: |
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Mortgage of 900 bucks a month for a decent house, and after 20 years we own the house ....
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Wow! Decent houses must be cheap in Canada!
In Australia, a 20 year mortgage with monthly repayments of $900.00 equates to a loan of $110,000, at the prevailing home loan interest rate of 7.5%. You'd need to have at least $200,000 in savings (to add to your loan) for a run-of-the-mill, outer-suburb house in any of Australia's major cities. |
Cairnsman, Great Wall of Whiner claims to be from Vancouver (or somewhere nearby), which just happens to be the most expensive real estate market in Canada. Anyone who thinks two minimum wage jobs can equate to home ownership in that market and "several hundred thousand dollars of assets" has been smoking too much BC bud. Not only that, he seems to have forgotten that employees in Canada have to pay federal and provincial taxes, Canada Pension plan contributions, save for a down payment, and raise kids, all on those minimum wage jobs (not going to happen). His homework doesn't get a passing grade. |
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Lobster

Joined: 20 Jun 2006 Posts: 2040 Location: Somewhere under the Sea
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Posted: Fri Sep 09, 2011 6:42 pm Post subject: |
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The minimum wage in BC is currently $8.75 per hour. It will rise to $9.50 in November. A 3-zone ticket for public transit is $5, so $10 dollars return (that's over 60 rmb per day in freakin bus fare). Buying a pack of 10 tickets can cut that down to $4.10 each way, but that's still almost an hour of your minimum wage gone just getting to work. Better pack a bologna sandwich for lunch if you can afford one.
So go ahead, work that McJob, live in a damp and dark basement rental for $500 per month. Spend an hour and a half commuting everyday. Shop at the thrift store for used clothing. Scrimp and save, but when you need new glasses, shoes or a trip to the dentist, you can watch that disappear. On a positive note, in the evening you can stroll down to the beach and watch the toffs sailing by on their yachts.
RED |
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The Great Wall of Whiner

Joined: 29 Jan 2003 Posts: 4946 Location: Blabbing
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Posted: Sat Sep 10, 2011 2:36 am Post subject: |
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Look, I do not disagree that one can do well in China. But China is becoming more and more expensive and openly collude (they are charging a lot, so we will too!) while in Canada stores are competitive as hell (they are charging 20 so we will charge 19!).
| Lobster wrote: |
| Firstly, there are no full-time jobs at McD's and similar except for the manager's. You may contribute to CPP, but there are no benefits. |
Mother of 2, full-time, $14.50 an hour, Group pension, group extended medical and dental as well as life insurance. McDonald's for 3 years now. Not a manager; she works the drive-thru on graveyards.
I call her cousin.
not the ideal job, but in the summer the family gets to the Rockies or the West Coast of Vancouver Island in their camper. The odd time they manage California.
| Quote: |
| No bank is going to give someone who works part-time jobs in fast food a mortgage. Where does the down payment come from? |
She is not part-time, she is full-time. And the down payment came from a bank loan added with money they earned from selling a car they paid off after 7 years.
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| What about the rent you must pay and other expenses while you save for the down payment? |
This does not apply to her. Talk to a mortgage broker, there are ways. She owns her house with her husband, who works as a line cook in a restaurant.
As far as I know, they pay minimal taxes because the house is their first house and they get baby bonuses, annual tax rebates, quarterly GST rebates, etc. Taxes BTW pay for their kids schooling. They don't need to pay thousands on bribes to a teacher nor private schools nor any expensive international school. Books are free and so is the school bus. So are medical and dental expenses.
| Quote: |
| It is absolutely not cheaper to buy groceries in Canada and cook at home than it is in China. I was just there a couple of months ago, and even the vegetables were more expensive there. |
How do I manage on less than 5 bucks a day in Canada then?
You only see what you want to. You see some things and say "Wow! So expensive!" But....
If you live in the cheap part of China and live as a Chinese and eat what the Chinese eat, then of course you get low quality not inspected cheap food.
Shop where the Chinese shop in Canada, you'll be surprised....
Example:
QUALITY Beef 3 bucks a pound, no fat. Inside roast. What's that 20 yuan a pound? Not far from what it is here at 18 a pound.
QUALITY Bone-in pork belly less than 14 yuan a pound in Canada. Comparable to China.
The veggies are comparable, too. AND you can trust the quality.
Source:
http://www.btrustsupermarket.com/images/special/wflyer_p1_2.jpg
http://www.btrustsupermarket.com/images/special/mflyer_p2_2.jpg
What I learned, I learned from my parents. Buy in bulk, buy when on sale, and freeze or preserve. Goes for veggies, too.
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| Gas and the cost of public transportation is high, and utilities are a total ripoff. |
I pay more for power here than in Canada. And gas is roughly about the same now in major areas in China.
Sure, if you want to buy fake goods, you can get them cheap here. Adidis and Nikke? Buy the real thing here, and it is the same price, if not MORE
Look, I made about 17 an hour and my wife made 12. In 6 months, we had a 3 story townhouse with a nice backyard. Decent 2009 model car brand new off the line. Unfortunately, my wife hated Canada because she could not go out to eat every day or go shopping on Taobao every day. I still have the car and pay for it monthly. House got sold and only lost a few thousand, thank God.
If this is what you want, all the power to you. I prefer to cook and eat at home because I know what I am eating, and enjoy the meal without people bothering me.
To each his/her own. I am by no means a rocket scientist and I did well at home. I fully understand that the vast majority of people in Canada cannot hack it back at home. But if China was such an easy ride, there would be so many more foreigners here than there are (like Japan or South Korea).
Sorry my personal experience differs so much from others here.
[edited for a typo]
Last edited by The Great Wall of Whiner on Sat Sep 10, 2011 9:19 am; edited 1 time in total |
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The Great Wall of Whiner

Joined: 29 Jan 2003 Posts: 4946 Location: Blabbing
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Posted: Sat Sep 10, 2011 2:45 am Post subject: |
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| 7969 wrote: |
Cairnsman, Great Wall of Whiner claims to be from Vancouver (or somewhere nearby), which just happens to be the most expensive real estate market in Canada. |
That's right. I 'claim' I am from Vancouver Island, but I am a liar aren't I? I have some great motivation to lie. I financially gain from lying, don't I?
I have nothing to gain from making things up!
Sorry you can't hack it at home; I can. Sorry you can't find a nice home for under 200k back at home. I can.
Stop following me around the forums, going through my posts and flaming me. It's petty. Don't like the facts as I present them? Don't accept the facts when the proof is (time and time again) shown?
Your loss, but I won't let you drag my fellow Canadians here from their jobs at home that help them in the long run just so you can drive the wages here in China down into the gutter and get rich in the process.
| Quote: |
| Anyone who thinks two minimum wage jobs can equate to home ownership in that market and "several hundred thousand dollars of assets" has been smoking too much BC bud. Not only that, he seems to have forgotten that employees in Canada have to pay federal and provincial taxes, Canada Pension plan contributions, save for a down payment, and raise kids, all on those minimum wage jobs (not going to happen). His homework doesn't get a passing grade. |
Low income people get their tax money returned to them. They also get baby bonuses, rebates (tax rebate and quarterly GST rebates), etc.
Want to live the good bachelor's life? SURE! Come to China. The dream will be over in your 30's and time will be facing you in the mirror when you realize you have no pension for the future. |
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milkweedma
Joined: 19 Nov 2006 Posts: 151
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Posted: Sat Sep 10, 2011 3:03 am Post subject: |
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Minimum wage in New Zealand is currently $13 per hour. The Unions and left wing political parties will push for it to increase to $15 per hour once we get rid of our current neo-liberal excuse for a government.
Sounds like Canada and the U.S have a long way to go to catch up in terms of minimum wage. |
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7969

Joined: 26 Mar 2003 Posts: 5782 Location: Coastal Guangdong
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Posted: Sat Sep 10, 2011 3:21 am Post subject: |
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| The Great Wall of Whiner wrote: |
| 7969 wrote: |
Cairnsman, Great Wall of Whiner claims to be from Vancouver (or somewhere nearby), which just happens to be the most expensive real estate market in Canada. |
That's right. I 'claim' I am from Vancouver Island, but I am a liar aren't I? I have some great motivation to lie. I financially gain from lying, don't I?
I have nothing to gain from making things up!
Sorry you can't hack it at home; I can. |
I respectfully disagree. I'm not the one who couldn't deal with life in China any longer, returned to Canada a couple of years ago, couldn't find a decent job, and then promptly made his way back to China.
| The Great Wall of Whiner wrote: |
| Stop following me around the forums, going through my posts and flaming me. It's petty. Don't like the facts as I present them? Don't accept the facts when the proof is (time and time again) shown? |
I will comment on any of your posts that I see as painting an inaccurate picture of life in China or anywhere else. You certainly don't have a monopoly on the truth.
| The Great Wall of Whiner wrote: |
| Your loss, but I won't let you drag my fellow Canadians here from their jobs at home that help them in the long run just so you can drive the wages here in China down into the gutter and get rich in the process. |
1. I don't have the power to "drive the wages here in China down into the gutter." 2. Do not post things you know nothing about. I'm not here to drag anyone anywhere for anything. In other words, if you think I'm a recruiter trying to shaft people then man up and say it. And then prove it.
| The Great Wall of Whiner wrote: |
| Low income people get their tax money returned to them. They also get baby bonuses, rebates (tax rebate and quarterly GST rebates), etc. |
Low income people may get some of their money back in the form of an income tax refund, but that doesn't change the fact that they're still poor. These benefits you've listed are minor supplements that most people would rather not be getting because they're geared to low income families or individuals. And they don't count as "income" for the purposes of a mortgage. The only way a low income earner is going to get a mortgage is if they have a huge down payment for a home. An unlikely scenario.
| The Great Wall of Whiner wrote: |
| Want to live the good bachelor's life? SURE! Come to China. The dream will be over in your 30's and time will be facing you in the mirror when you realize you have no pension for the future. |
This coming from the forum member who spent the past year telling us he was going back to Canada because life in China was just too expensive for him. And then didn't leave. Just what pension do you think you're going to collect by staying in China? You obviously don't have a company pension from Canada. Start polishing that mirror. Not everyone's in the same boat as you are and some of us have already planned for our futures.
Saving for Retirement |
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The Great Wall of Whiner

Joined: 29 Jan 2003 Posts: 4946 Location: Blabbing
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Posted: Sat Sep 10, 2011 3:36 am Post subject: |
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| 7969 wrote: |
I respectfully disagree. I'm not the one who couldn't deal with life in China any longer, returned to Canada a couple of years ago, couldn't find a decent job, and then promptly made his way back to China. |
Nor am I. I was doing fine in Canada; my wife hated it.
| Quote: |
I will comment on any of your posts that I see as painting an inaccurate picture of life in China or anywhere else. You certainly don't have a monopoly on the truth. |
Nor do you, but my motive is to help fellow teachers, not schools.
I can only speculate on your motive for promoting low wages for teachers.
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| The only way a low income earner is going to get a mortgage is if they have a huge down payment for a home. An unlikely scenario. |
My cousin is then perhaps very unlikely. As were my wife and I.
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This coming from the forum member who spent the past year telling us he was going back to Canada because life in China was just too expensive for him. And then didn't leave. |
Boss offered me a better deal. Like always. He reads these forums, too. Also, we just had a baby. Can't leave without our baby, can we?
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| Just what pension do you think you're going to collect by staying in China? |
None.
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| You obviously don't have a company pension from Canada. |
I do, but it's really low. |
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7969

Joined: 26 Mar 2003 Posts: 5782 Location: Coastal Guangdong
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Posted: Sat Sep 10, 2011 3:49 am Post subject: |
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| The Great Wall of Whiner wrote: |
I can only speculate on your motive for promoting low wages for teachers. |
I do not promote low wages and I never have. What I do promote is looking at more than one component of potential job offers before deciding which one I think is best. Conversely most of your posts on the topic are fixated on one thing to the exclusion of all others - salary. That, and deriding anybody who has the nerve to take a salary you deem insufficient.
As if anyone on here needs reminding there are LOWER (note the emphasis on "lower" and not "low") paying jobs with good benefits that are a better fit for many people than the HIGHER paying jobs that typically offer fewer benefits. Do I need to remind you again that my LOWER paying uni job pays me 50% more per hour than your HIGHER paying job? Of course you did get the offer you couldn't refuse so that may have changed. Stop slagging off people who earn less than you. You've got your priorities and other people have theirs. |
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xjgirl
Joined: 02 Feb 2010 Posts: 242
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Posted: Sat Sep 10, 2011 3:52 am Post subject: |
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hey, and what does all this have to do with suspicious deaths near peizheng.
i thought whiner was gonna uncover the truth! |
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Lobster

Joined: 20 Jun 2006 Posts: 2040 Location: Somewhere under the Sea
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Posted: Sat Sep 10, 2011 4:26 am Post subject: |
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Some good points have been made by both sides. Someone who is willing to work hard, live frugally and save money can have a good life either in China or in Canada. My gripes about Canada do not centre around money. I do appreciate the natural environment and the quality of items there. I just find life more comfortable here.
I don't believe that anyone active on this forum is conspiring to drive FT wages down, or is encouraging people to take low-paying jobs. Higher pay scales benefit us all. Still, there is no cohesion among FTs here, and what they will take in terms of pay and conditions is dependent on their personal situations.
We do seem to have strayed too far from the topic. Just what happened at Walton (not PZ)? Was there a death? What was the cause?
RED |
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igorG
Joined: 10 Aug 2010 Posts: 1473 Location: asia
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Posted: Sat Sep 10, 2011 7:30 am Post subject: |
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| I can't agree more with what has been said in the above post. I also would love to know what happened there. I am in the same city and not far from the alleged crime scene. If it happened, we'd all deserved to know. Still, even if it happened any media would not be able to get much, if anything, out of it. That's what s*cks about this country's leadership with all due respect. |
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TexasHighway
Joined: 03 Dec 2005 Posts: 779
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Posted: Sat Sep 10, 2011 7:41 am Post subject: |
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The Great Wall of Whiner wrote:
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| She is not part-time, she is part-time. |
Now that explains everything! |
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The Great Wall of Whiner

Joined: 29 Jan 2003 Posts: 4946 Location: Blabbing
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Posted: Sat Sep 10, 2011 9:16 am Post subject: |
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| TexasHighway wrote: |
The Great Wall of Whiner wrote:
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| She is not part-time, she is part-time. |
Now that explains everything! |
Haha, oops!
That's what you get for typing too fast. Edit: full-time. |
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The Great Wall of Whiner

Joined: 29 Jan 2003 Posts: 4946 Location: Blabbing
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Posted: Sat Sep 10, 2011 9:25 am Post subject: |
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[quote="7969"]
| The Great Wall of Whiner wrote: |
I do not promote low wages and I never have. |
Awesome! I look forward to your support then on the Wages thread then.
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| Stop slagging off people who earn less than you. You've got your priorities and other people have theirs. |
I'm not slagging off anyone; just pointing out that before they sign a contract they should look at the higher paying jobs and watch out for bad contracts. Nothing sinister in that is there? |
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