Saturday, March 5, 2016

Moving to Canada, A Guide for Americans


With the Trump ascendancy, we see increased interest from Americans in moving to Canada.  As a dual citizen who has lived and worked in both countries, here is my guide to moving to Canada, assuming Toronto Ontario is your desired location (nice place, terrible hockey team).

Taxes

Top income tax rate for earned income: 54% on income over $220,000 Cdn (~$163,000 US)
Sales tax: 13%  - similar to US sales taxes, it is added at the cash register.  The heavy taxes pay for all the social programs and health care.

Health Care

Everyone gets hospital and medical care.  No copays or other payment required.  Acute care (accident, cancer..) is as good as the USA.  You will wait for anything which is not acute.  Current wait time for hip replacement in Toronto is 134 days (4 months).  They publish the wait times online.

You pay for your own prescriptions unless you have insurance through work.  Costs are generally lower than the USA, but newly introduced drugs or sole source drugs can be expensive.  If you do not earn enough, the government will help with medication costs.

Alcohol

It is expensive to buy alcohol due to government taxes and regulation.  It is about 2X to 3X the price in the USA.  Alcohol and wine are available at government liquor stores (LCBO).  Small quantities or beer (6 packs) and low quality wine can be purchased at grocery stores.  Large quantities of beer (more than 6 cans or bottles) must be purchased at a private monopoly store called the "Beer Store" (I kid you not).  It can be difficult to get beer, alcohol or wine on a Sunday due to LCBO and Beer Store hours.

It is easier to get MJ in many areas, although it is not legal yet as a recreational drug.  It should be legalized in a few years but that means that it will be taxed heavily like alcohol and probably sold by a government monopoly that is only open M-F 9-5pm.  This will allow drug dealers to flourish as they will offer 24/7 delivery tax free.

Guns

Guns are more heavily regulated than the USA.  You can buy a long gun (hunting rifle or shotgun) if you pass a short course and get a permit.  This is not too difficult if you are not a felon or terrorist.  You cannot buy an assault rifle with this permit.  If you want a handgun or assault rifle, you must get a restricted permit and pass a different course, this is more difficult but not impossible.

You cannot carry a handgun in public outside the home, concealed or openly.  You are generally restricted from carrying a long gun in urban or suburban areas.  They can be carried appropriately and used for target practise or hunting but openly carrying a rifle on a street will generally get you arrested and convicted.

Abortion

Abortion is legal in Canada.  It is a free medical procedure.  That's about it.

Immigration

Canada wants legal immigrants and has lots of programs to find them and get them to come to Canada.  You can search the Internet for a plethora of information.

Government

Canadians like their governments and want them to do an efficient job of providing services.  Hence the municipal, provincial, and federal governments have banded together to offer one-stop face to face customer service in common locations.  The people in these service centers will be well paid and know their stuff. Your job as a Canadian will be to get as much as you can from the government in return for your high taxes.

Driving

All signs are in Kilometers or "Klicks".  Get used to multiplying kilometer or kph by .62 to get miles or mph.  Gas costs about 1.5 to 2X what it costs in the USA.  Therefore, people drive smaller more fuel efficient cars.

Due to the gun laws noted above, it is much safer to give a fellow motorist the finger or other insulting signal or horn honk.  He/she might get out of their car and hit yours with a hockey stick, but there is little chance of a shootout.

Weather

This is the top subject of conversation in Canada, closely followed by hockey, with the subject of "those crazy Americans" in third place.  There is nowhere in Canada that has great weather like Hawaii or San Diego.  You have your choice of lots of cold in Winter and a short hot Summer (most of Canada), wet (Vancouver), or wet and cold (maritimes).  

Animals

Canada's animals are quite different than animals in the southern USA.  In the south, the little animals are most deadly: rattlesnakes, scorpions, brown recluse spiders.  In Canada, the big animals are deadly: bears, mountain lions..  The animals stay out of urban areas, so not to worry.  You will find that Torontonians treat raccoons like American bald eagles.  No killing, no moving them away because they are a nuisance, no trapping, etc etc.  This cannot be rationally explained, ask a Torontonian after you immigrate, maybe they know.

Summary


That's all I can think of for now.  Practice up on your "eh".  A good start is to say "How about that weather, eh?" or "the Maple Leafs stink, eh?" when meeting a Canadian.

Oh, I forgot, we add a "u" to a lot of words like the originators of the English language intended: colour, humour, ..

1 comment:

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