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  1. #1
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    Average canadian daily wage after tax?

    Hey,

    Im trying to find out the average wage in Toronto specifically after tax.

    Does anyone know what it is?

    Thanks
    John Diver
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  2. #2
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    Well, the minimum wage just went up. That is always good news. I'm 17 and make roughly $9.75/hour before tax.

  3. #3
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    I believe it's $8.00 minimum now.
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  4. #4
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    $9.75 is awesome! looks likes Canada's economy is doing great!
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  5. #5
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    Average wage doesn't mean anything. What job are you looking at?

    http://salary.workopolis.com/ will give an idea of Toronto salaries. (it works in IE for me not in Firefox)


    You will take home about 70% after taxes & deductions.
    Last edited by Techno; 01-07-2007 at 11:05 PM.

  6. #6
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    Quote Originally Posted by Zafar Ahmed
    $9.75 is awesome! looks likes Canada's economy is doing great!
    Their taxes suck... This is also in CND, not USD

  7. #7
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    Quote Originally Posted by GamePhreak
    Their taxes suck... This is also in CND, not USD
    But you don't have to worry about healthcare premiums, deductibles, co-payments or getting denied by your insurer.

  8. #8
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    Quote Originally Posted by Techno
    But you don't have to worry about healthcare premiums, deductibles, co-payments or getting denied by your insurer.
    Or getting any sort of fast or quality hospital service if you're too old to bump somebody else off the list. Capitalism works. It's what makes America the greatest economy on earth.

  9. #9
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    Quote Originally Posted by GamePhreak
    Or getting any sort of fast or quality hospital service if you're too old to bump somebody else off the list. Capitalism works. It's what makes America the greatest economy on earth.
    I concur.

    Try actually using our hospitals before spouting off some crap regarding socialism being the best. It doesn't work. 6 hour emergency waiting room lines? Ha.

    That's average. I go to Detroit for my medical care and that's saying a lot.
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  10. #10
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    I've never had a problem with Canadian health care and my family and I have never had even close to 6 hour emergency room waits at St Joseph's, Mount Sinai or Sick Kids. Retirees I know get good care and are not kicked to the back of the line.

    What medical issues prompt you to drive 4-5 hours from Toronto to Detroit for all your medical care?
    Last edited by Techno; 01-08-2007 at 11:08 AM.

  11. #11
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    Quote Originally Posted by Techno
    But you don't have to worry about healthcare premiums, deductibles, co-payments or getting denied by your insurer.
    Forgive me for my American ignorance, but how much does the average Canadian take home after all the taxation?

  12. #12
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    Take home will be about 70% after taxes & deductions.

  13. #13
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    Is health insurance in the USA like car insurance? You pay a certain amount based on things like your age, current health etc, then an excess when you need treatment?

    What happens if you can't afford insurance, but then you have a massive accident, what treatment do you get, how long can you stay in hospital for?
    Steve

  14. #14
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    Quote Originally Posted by Vortex-Steve
    Is health insurance in the USA like car insurance? You pay a certain amount based on things like your age, current health etc, then an excess when you need treatment?
    There's a lot of different types of your insurance plans now since most companies have some sort of system setup -- some employers pay for 100% of health insurance coverage. Mine pays 50%, so in the end, I pay about $45 a month for health insurance as a single guy. Under most programs though, the person will pay $x amount of money per month, and they in turn get covered for almost all things. However, there is usually a co-pay, ranging from $10-$100 depending on the type of visit. A doctors visit is usually only $10. A visit to the emergency room can cost you up to $100. That's basically how it works - there's a lot of different variables depending on how your plan is.

    The one my employer is switching to, is a plan backed by a HSA (Health Savings Account or something like that) and what they do is give each employee $400 a month. They in turn can purchase the coverage of their choice, and as well any money that isn't spent goes into a interest bearing savings account. The savings account can then be used for things such as plastic surgery, or any other health benefit in the future. As well, if for some reason you no longer have health insurance and need to visit the doctor in the future, you can use that savings account to pay for the visit.

    What happens if you can't afford insurance, but then you have a massive accident, what treatment do you get, how long can you stay in hospital for?
    It depends. There are some government programs setup to give health insurance to those that are poor and can't afford it. If it's your choice not have health insurance though, you simply go deep into debt. A hospital can't refuse to treat you for life threatening situations. As you said though, they will limit your stay, so they will basically nurse you back to a liveable condition, then throw you back on the streets $30,000 in debt.

  15. #15
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    That's not too bad, $45 a month is practically nothing really, less than an hours work for a lot of people I would of thought. A possible $100 to visit the ER might put me off a bit, you just have to make that decision if it really is bad or a day of rest will sort it out. But then I've only ever been to the ER about 4 times in my life so it wouldn't exactly break the bank.

    What are waiting times like on things like operations, or one I can relate to recently, physiotherapy. I had an appointment within a week of visiting my local doctor which I thought was quite good.
    Steve

  16. #16
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    Quote Originally Posted by Techno
    What medical issues prompt you to drive 4-5 hours from Toronto to Detroit for all your medical care?
    I'm in Windsor fairly frequently which was when I skipped over to Detroit!
    The last few cases I've dealt with anyone at a hospital was in Downtown Ottawa -- 6 hour waits there as well.

    (A university friend decided he'd try ending his life and failed: which may have played a role in the delays)
    David
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  17. #17
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    Quote Originally Posted by Vortex-Steve
    What are waiting times like on things like operations, or one I can relate to recently, physiotherapy. I had an appointment within a week of visiting my local doctor which I thought was quite good.
    I've only been there twice too, and it hasn't been since I was 15, so I haven't had to pay the $100 out of my own pockett yet.

    The first time I went was when I took a line drive to the head when I was pitching in a baseball game. They took me in immediately for x-rays, and started pumping the pain killers into my system once that was done.

    The second time I sliced my knee open practicing soccer in my back yard. They checked me out immediately, realized it wasn't that serious can came back about an hour later to glue me on up. I was in an out in about 2 1/2 hours.

  18. #18
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    Do many people here live in Toronto? I would really like to see some pics of different places in Toronto, that's where we are planning on moving to.

    I'm going to go over for a quick trip to check out different areas but I want something that is in the centre of the action anyway.
    John Diver
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  19. #19
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    John,

    Check out the local craigslist to get started: http://toronto.craigslist.org
    And if you're after housing the 'housingmaps' site for craigslist is excellent: www.housingmaps.com

    Best of luck with the migration!
    David
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  20. #20
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    inogenius' costs are based on a good & (likely) large employer and does not account for emergencies or surgeries. A similar employee plan at a local (Texas) company has same structure as inogenius's and pays 90% for emergency room & surgeries if you go specific hospitals and only 70% If you are out of network. So a $100,000 hospital bill will cost you $10,000. A smaller local employer requires employees pay $600/month for family coverage+ copay (I didn't take the job). As a self employed person I would pay about $700/month for my family with a $2000/person deductible & no co-pay. At $500 month and a lower annual deductible I would pay 20-25% of costs after deductible. It's best to go for a high deductible and no co-pay. Check out sites like www.ehealthinsurance.com for US quotes.

  21. #21
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    Quote Originally Posted by John D
    Do many people here live in Toronto? I would really like to see some pics of different places in Toronto, that's where we are planning on moving to.

    I'm going to go over for a quick trip to check out different areas but I want something that is in the centre of the action anyway.
    Torontonians are very much divided into east-siders and west-siders. I'm partial to the west end particularly Etobicoke and moving further west into Mississauga and Oakville. Much will depend on where you work as you REALLY don't want to be heading from one side of town to the other in rush hour. If you work downtown then try to live close to a subway or the Lakeshore GO Train route. Tech jobs are concentrated downtown and to the northeast in Markham.

  22. #22
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    If you want to be close to "the action" & nightlife I'd suggest downtown St Lawrence Market & SkyDome areas or just about anywhere between Church and Spadina. Most housing opportunities downtown will be in high rise condo/apartments that are rented out. Wellesly/Church is the gay village. Spadina is Chinatown. If you want to move a bit further outstay on the subway line - Yonge/St Clair, Yonge/Eglinton, Bloor/High Park, Bloor/Islington have many high rise rentals.

  23. #23
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    Quote Originally Posted by David
    I concur.

    Try actually using our hospitals before spouting off some crap regarding socialism being the best. It doesn't work. 6 hour emergency waiting room lines? Ha.

    That's average. I go to Detroit for my medical care and that's saying a lot.
    You my friend must have some bad luck. I have 4 kids aging parents and the medical system serves me quite well here. I am just outside of Toronto so I go to out of Toronto hospitals but the wait has been minimal. When I have had to go to Toronto hospitals (Toronto General) they saw me in about 10 minutes and my daughter was seen at sick kids in about 20 minutes.

    Travelling to Detroit for medical care is crazy and totally unnecessary.

    I guess US hospitals have zero lineups in the ER waiting rooms unlike anywhere else on the planet. I never knew that.
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  24. #24
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    Quote Originally Posted by CoolRaul
    I guess US hospitals have zero lineups in the ER waiting rooms unlike anywhere else on the planet. I never knew that.
    I've never had to wait in the US, ever though. Mostly luck again I'm sure. I'd much rather stick with getting lucky though.
    David
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  25. #25
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    Quote Originally Posted by David
    I've never had to wait in the US, ever though. Mostly luck again I'm sure. I'd much rather stick with getting lucky though.
    You drive 5 hours to go to an ER with no wait?

  26. #26
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    Quebec sucks for everything. That's all I'm going to say.

    My father had a mild heart attack and waited 4 hours before anyone came to see him. Also, about 15 years ago, he had appendicitis, and was forced to wait overnight before being checked out by a Doctor.

    Quebec sucks. We probably pay the highest taxes and receive the lowest wages in the country, and still get no services.
    Can you be scared half to death twice?

  27. #27
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    I must say I'm glad I live in Saskatchewan. I've never had any kind of an issue with hospitals here (at least in the cities) For more specialized surgeries I've heard that you may need to travel to Alberta but that certainly doesn't bother me one bit.

    The best part of Saskatchewan is how strong our economy is right now. It's pretty much right after the red hot Alberta economy (or second after Alberta). And of course the cost of living here is dirt cheap compared to anywhere else in the whole country. We may have a small population but at least it only takes me 10 minutes to get to work and that's on the other side of City of Saskatoon.

    This is a interesting comparison if it's accurate. http://www.ir.gov.sk.ca/Default.aspx...2936,Documents Well the insurance on my brand new car is only $1000.00 a year so that certainly is one stat that is bang on.
    Last edited by macdonaldp; 01-11-2007 at 01:20 AM.

  28. #28
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    This country's health system is the best in my opinion. It might have some problems but its overall very effective. My father had a bypass 6 years ago and we had to pay nothing. And as for the taxes we pay, we get it back in return in so many ways.
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