How To Get Custom License Plate In Quebec?

The process of getting a custom license plate in Quebec is pretty easy and straightforward. You don’t even need to go to the SAAQ office to request your personalized license plate.

Requirements For Custom License Plate

To be able to apply for a personalized license plate, the following is required –

  • Must be residing in Quebec.
  • Must either have a car registered in Quebec or planning to buy a car soon.
  • Must have a Visa/Mastercard credit card for payment (AMEX is not accepted)

If you are planning to get a personalized license plate before your purchase –

  • You are required to have a Quebec Driving License.

How Do I Apply For A Personalized License Plate?

You will need to visit SAAQ’s official website and under Vehicle Registration, you will have the option to order a personalized license plate (https://saaq.gouv.qc.ca/en/vehicle-registration/personalized-licence-plates)

Order personalized license plate

You would then need to enter your personal information.
If you own a vehicle already, then you will need to provide the vehicle’s registration number.
Otherwise, you will need to enter your driver’s license details.

Personal information

You will then be able to enter your Desired Character Combination.
Make a note that certain combinations are not allowed.
For example, if the combinations are determined to be abusive, obscene, confusing, trademark, disregard to road safety, then your license plate request might be refused.

Personalized license plate

Payment Methods

Once you have provided all the details, you will be able to complete your order request by making the payment. You must make the payment online using Mastercard or Visa card.

Currently American Express credit cards are not accepted.

Delivery Timeline

The personalized license plates will be delivered using Canada Post with a tracking number and you should receive them in about a month.

Requesting Review For Refusal

In certain cases, your request for custom QC plate might get rejected. For review you will need to submit a letter to SAAQ to review their decision.

Salsa Dancing In Ottawa At Amigos!

While at first glance, Amigos might seem like a typical sports bar, it offers much more than meets the eye. As you step inside, you’ll encounter a dive bar-like atmosphere, and just beside it, there’s a hall that transforms into a lively Salsa dancing spot!

Timings and Ideal Hours

Usually the salsa dancing events happen on a Tuesday however occasionally Amigos might host additional Latin dance events on the weekend.

Dance lessons for the event usually start around 7:30 pm. Their peak time however is around 9-10pm on a Tuesday night and the place can get very crowded!

There are other salsa dancing places in Ottawa to consider if Tuesdays at Amigos doesn’t work for you.

Cover Charges and Entry Fees

There might be a cover involved at this venue. On my last visit, I paid around $10 which seemed reasonable as it had good music and crowd.

Sometimes, when I have showed up late, there wasn’t any cover involved however when I have showed up early I have had to pay an entry fee.

Dance Lessons

The event usually starts with intermediate level dance lessons followed by the social where you are free to practice your moves and dance with people.

I would recommend the dance lessons if you have never danced to salsa before as they can help you later in the night during the social.

The Crowd

Usually for the Salsa Night, the event attracts a mixed crowd. While it’s primarily younger demographic, you would definitely see older crowd as well at the venue.

Don’t be surprised or intimidated to see well experienced people dancing during the event.

Genre of Music

Since they are doing Salsa Nights on Tuesdays, the venue primarily plays Salsa Music. After every few songs, they try to switch to Bachata as well.

During the night, sometimes the DJ might end up playing other genres like Reggaeton and Merengue as well.

Salsa Dancing at Amigos Ottawa

Entertainment at Amigos Sports Bar

If you don’t feel like dancing, you can always head to their dive bar area where they have a bunch of pool tables, slot machines as well as juke box machine!

Make sure to bring some change with you as the pool tables are not free. You might be able to obtain change from the server.

They also have a few TV screens if you are a sports fan!

Unfortunately Amigos doesn’t serve food but you are free to order food from other venues and bring it to the bar. Usually you will see people order food from Domino’s Pizza.

Pool Tables at Amigos

Social Hangouts at Amigos

I think this could be a really good place to have a social event! There are a bunch of things to do at the Sports Bar to keep everyone entertained! They also have a decent sized patio as well.

Address: 858 Merivale Rd, Ottawa, ON K1Z 5Z4

Rating – 8/10

Cheapest Renters Insurance In Toronto! Here Are The Quotes I Got!

Are you wondering which one is the cheapest renters insurance provider in Toronto (Ontario)? I tried to check it out myself to see how much the quotes varied between different insurance providers for a 1 bedroom apartment located in downtown Toronto.

For my 1 bedroom unit – I got an online quote from TD Insurance, Square One Insurance, RBC Insurance, Co-Operators Insurance, PC Insurance, Allstate, Intact Insurance and Aviva.

Here are all the estimates I got

TD Insurance
TD gave me a quote of $36.83 per month!
Deductible for this quote was $1,500 and personal liability of $1,000,000.

TD Renters Insurance Quote – $1,500 deductible

When the deductible was set to $5,000 – TD gave me a quote of $31.83 per month

TD Tenant Insurance Quote – $5,000 deductible

Square One Insurance
I got a quote of $17.12 per month from Square One Insurance.
Deductible for this quote was $5,000 and premises liability was $1,000,000.
That was the lowest quote offered by Square One Insurance.

Square One Insurance Quote with $25,000 Personal Property Coverage

If I waived Personal Property on Premises Coverage with Square One then my quote was only $4.46 per month! This is not recommended as in case of theft, you won’t have any coverage!

Square One Renters Insurance with Personal Property coverage

When I set the personal property to $10,000, Square One gave me a quote of only $15.07 per month! This is almost half of what TD insurance offers when the deductible with them was $5,000 and personal property of $10,000 covered.

Square One Tenant Insurance with $10,000 Personal Property

RBC Home Insurance
RBC gave me a quote of $31.41 per month!
Deductible for this quote was set to $1,500.
I could not reduce the personal property coverage which was set at $35,000.

When the deductible was set to $5,000 – the monthly rate reduced to $27.99

RBC Home Insurance Quote with $5,000 deductible

Co-Operators Property Insurance
Co-Operators gave me a quote of $24 per month!
Also the maximum deductible you could select for the renters insurance is $1,000.
Personal Property coverage was set to $30,000 which is the lowest I could set to.

Co-Operators Property Insurance quote with $1,000 deductible

PC Insurance
PC Insurance quote was at $35 per month.
Maximum deductible allowed was $1,000 with the provider.
Personal Property was at $50,000 which is the lowest they offer.

Tenant Insurance quote by PC Insurance

Allstate Tenant and Renters Insurance
The quote I got from AllState was for $29 per month.
Policy deductible was $1,000 and premises liability was $2,000,000!
Personal Property was covered at $30,000
I couldn’t change any of the amounts while getting the quotes online!

AllState Tenant Insurance quote with $1,000 deductible

Intact Insurance
Renters insurance quote from Intact was $45 per month.
Deductible couldn’t be changed and was set to $1,000.
Personal Property was set to $30,000.
Premises Liability for the quote was $1,000,000.

Intact Insurance Quote with $1000 deductible

Aviva Insurance
For a deductible of $1,000 I got a quote of $27.09 per month with Aviva!
Personal liability limit was at $1,000,000.
Personal property was covered upto $35,000.

Aviva Renters Insurance quote – $1,000 deductible

When I increased the deductible to $5,000, I got a quote of $24.3 per month!

Aviva Tenant Insurance quote – $5,000 deductible

Which one is the cheapest renters insurance provider in Toronto?
Tenants insurance can vary quite a bit depending on what part of Toronto you are going to be living in, who would be residing in the property, prior claims history as well as the type of the property.

The cheapest might not turn out to be the best.
If you are just looking at the lowest price per month that is possible then Square One Insurance offered the lowest price however the deductible was quite high at $5,000 and no personal property coverage.

If you want a lower deductible then Co-Operators Home Insurance appear to be a better option as the deductible was only $1,000 and personal property was well covered as well.

Get your own quote for renters insurance!
You might get a completely different quote than what I got because the renters insurance is calculated on a number of things! Also while providing quotes, there are a number of additional questions that the insurance provider might ask like what kind of security you have and that can alter your prices a lot.

Where To Get Cheap Renters Insurance In Ontario?

If you are looking for renters insurance, I recommend you guys to start by getting a quote from multiple insurance companies to get the best price.

Some well-known companies that you can get the quote from –

Cheapest Renters Insurance Company

To figure out which one was offering the cheapest renters insurance provider, I ended up getting a quote from multiple renters insurance companies to see which one offered the best pricing.

As a tenant myself, I was primarily focused on getting the lower rate possible and was okay if the deductible was higher but made sure that they fully covered any personal liability.

In my case I found the cheapest one to be Square One Insurance. Square One offered a high deductible though which was the main reason why my quote with them came out to be the cheapest. Also I didn’t have many personal items that needed insurance.

Cooperators also had a relatively lower priced quote compared to other renters insurance providers and their deductible was quite reasonable as well. I would recommend you guys to get a quote from Cooperators Insurance.

I recommend you guys get a quote from multiple providers before making a decision!

Renters Insurance Premium Factors

Insurance companies take into factor several things when they give you a quote.

  • Depending on what region you are going to be based
  • The value of the personal property, the amount of liability insurance required
  • If you have any history of claims with the renter’s insurance company before
  • The amount of deductible
  • The material the building is made of, and more.

If the risk determined by the insurance company for the property is higher, then you will end up with a higher quote for your rental unit.

How To Get Renters Insurance Discounts

Most insurance providers also provide discounts which can lead to additional savings.

Auto + Renters Insurance Bundle

You might be able to get significant discount on your renters insurance if you get other products/services from the same provider.

If you have auto insurance or planning to get with the same provider, they might be able to offer discount on the renters insurance. Also they might be willing to give you some more discount on your auto insurance as well.

Professional Associations

If you are working in certain companies, or have professional memberships, some renters insurance companies like TD Insurance might offer you some discount on their pricing.

Costco Membership Discount

Believe it or not but if you have Costco Membership, you might be able to get some discount on renters insurance through them.

Using insurance comparison websites

Insurance comparison websites are supposed to make getting quotes from multiple insurance providers easier and time-saving by having a single application format.

Some popular insurance comparison websites –

In my experience, I found the quotes to on the comparison website to be significantly higher when compared to direct quotes from the insurance companies.

The comparison websites can be a great starting point to know if there are any other providers for renters insurance in your area but also have the potential for higher quotes.

Where To Rent Washing Machine In Ottawa/Gatineau?

Not many companies in the Gatineau-Ottawa area offer rental of laundry units (washer and dryer). While some companies will charge you outrageous prices, there is only one company I found that offers reasonable prices for rental of washer and dryer.

EL Appareils

Also known as Electro-Loc, the company offers rental, delivery and installation of their rental units in apartments and housing units around the Ottawa-Gatineau region.

Washer/Dryer Rental Pricing in Ottawa
Pricing for rental of washer and dryer combo starts around CAD $50 per month.

You would get a brand new washer/dryer for rental when you use their service. Additional service and tax charges apply so give them a call and confirm if they have any specials going on.

The company also offers buying packages for single-family and multi-family units.

Electro-Loc Contact Details

Washer/Dryer Delivery Times
Depending on the time of the year, it can take weeks or months for your appliances to be delivered by the company, so I highly recommend that you make your reservation as soon as possible by giving them a call.

Is it worth renting an appliance?

The answer really depends on how long you are planning to reside in the unit. If you are just looking for appliances for maybe a few months then renting might make sense from a convenience standpoint.

However, if you are staying for a long period, I would recommend that you buy whatever appliances that you need. There are many stores in Gatineau that sell used appliances at affordable prices. These stores offer 90 day guarantee on the appliances and can save you quite a bit of company when compared to buying a new washer/dryer.

Never go for rent-to-own options!

I found that there are certain companies that offer you to rent an appliance and if you complete the lease period, you get to own the appliance. DO NOT DO IT! It usually ends up costing multiple times more than if you had just purchased the appliance upfront.

What Is The Cost Of Living In Toronto?

Living in Toronto can be quite expensive! In this post, I have outlined the expenses associates with residing in the city and also offered suggestions on how you can minimize your living costs.

Toronto is an expensive city to live in! Here I have provided a breakdown of what it will cost you to live in the city! I have also provided some guidance on how you can reduce your living expenses.

Cost of housing in Toronto

A major portion of your monthly expenses will be going towards housing. In downtown Toronto, a single bedroom apartment can cost you between $2000-3000 per month while a 3 bedroom unit would be somewhere between $3000-4000 per month depending on if it’s downtown or in the suburbs.

Guidance on housing
If you are making more than 3-4x times the monthly rent of the unit then you are doing well enough in terms of income! However, not everyone is fortunate enough to be in that salary range!

If you are making less than that, it would be ideal to look for a room within a house or in the suburbs, though that would mean that you will have to commute which can be unbearably long in the Greater Toronto Area.

Low-income people might be eligible for affordable housing program that is offered by the City of Toronto. However, It can take years before you are allotted a rental unit through the program.

Unfurnished units are usually cheaper than furnished units. It is advised to go for unfurnished units if you plan to stay at the same place for long term however if you are only planning to live for a short term in the city then going for a furnished unit might make more sense.

Cost of groceries in Toronto

Groceries can vary as well depending on how much you are going to be eating at home versus outside. Also, the prices of groceries will depend on where you are getting them from.

If you were grocery shopping from one of the stores in Chinatown, your grocery expenses might just end up being $250-300 per month! I have assumed that you would primarily be buying veggies and chicken! However, if your diet primarily consists of meat/seafood then you can add another $150-250 per month in your expenses!

If you are going to be eating outside, a meal at a regular restaurant is going to cost you about 15 bucks! If it’s a finer restaurant then it might go around 40-50 bucks! Drinks usually cost around 10-15 bucks. Also note that this doesn’t include taxes and tips.

Guidance on Groceries
Avoid getting groceries from convenience stores. Usually the price is marked up to 2-3x times the regular price. Reserve your visits to the convenience store when you really need something urgently and are short on time.

Find stores near you and their pricing. Stores that sell organic or specialty foods are going to be more expensive. If it’s possible for you to commute then look for large stores that offer groceries at competitive prices, for example – Walmart, Hmart etc.

Utility Bills (Electricity and Water)

Depending on your accommodation, sometimes you do not have to pay for water and is included within your rental payments. However, almost always you will have to pay for electricity!

For a single bedroom unit your utility bills can vary between $150-250 per month! Bills are going to be higher during winters as you will be utilizing heaters and lower in summers, so budget accordingly.

Phone Bills can vary all the way from 15 bucks to more than 50 bucks. The cheapest plans will usually come with limits around voice minutes, texts and data.

Guidance on Utility Bills
You can always ask the landlord how much is the current utility bill for the unit before you end up renting it. Usually older units tend to have higher bills as they are more inefficient. However, you can try to control your costs a bit by insulating windows or by turning off air-conditioning/heating when you are not using. (You might need to have a minimum temperature set though as a requirement by your landlord)

While a lot of people end up getting a phone on contract, it’s not a requirement and you can always bring your own phone. If looking for international data roaming, I found 3hk to be the cheapest data plan available.

Public Transit Costs

The city of Toronto has a public transport system and is accessible throughout the city. It is going to cost you around 3 bucks for a one way ticket which is valid for about 2 hours from the moment you hop onto the bus/streetcar. Note that this ticket will let you ride within the city limits. If you are planning to travel to any of the suburbs within the Greater Toronto Area, you will have to pay extra.

Guidance on Public Transit
If you are using public transit on a daily basis, it is advisable to have a monthly pass that is going to save you a bit of money. You can even share the pass within your family members, but only one individual can use it at a time.

Cost of Car and Car Insurance

If you are living and working in downtown Toronto, you wouldn’t really need a car! But in case your work requires you to drive on a regular basis then a new car could cost you between $20K-40K! Plus you will have to pay taxes and registration fees on it as well which depends on the car/model that you end up getting.

Something important to note here is that usually you do not get FREE parking when you rent out a unit in Toronto, you will have to pay for it! The closer to the downtown you live, the higher the prices for parking are! Monthly parking costs can be between $150-450 per month.

Insurance can vary depending on if you have prior driving experience or not. While people have reported insurance costing them more than $600 per month! For people with experience it might be around $200-250 per month.

Guidance on Car
Instead of getting a brand-new vehicle you could get a pre-owned vehicle which will cost you a lot less. I would recommend that you go for a car no more than 5 years old! It would cost you between $5K-15K for a used car depending on the model and its current condition.

If you need cashflow, don’t pay for the car in full, instead go for a car loan and pay for the car in monthly installments.

Guidance on Car Insurance
For car insurance, I recommend that you get quotes from multiple car insurance providers directly and see if they can give you a nice deal. If you have international driving experience, do let them know as that can definitely help you.

In case you have an international driving license, you should get the Canadian Driving License as usually the insurance rates are lower when you have one.

Cost of Renter Insurance

Usually renters insurance is going to cost you about $20-30 per month. Rates can be higher if your risk is higher. For example – if you are living in a flood prone area, older units, the risk tends to be higher and so are the insurance rates.

When going with cheap renters insurance, make sure to check what is included in the coverage as the deductibles on those can be very high.

Cost of Healthcare

Ontario has a public healthcare system which means as a resident of Ontario, you do not have to pay any additional expenses for a visit to the hospital. If you go to a clinic, the visit would be free however you would need to pay for prescriptions. To be eligible you would need to have an OHIP card.

Note that Dental is not covered within the Healthcare system in Ontario which means you have to pay for expenses out-of-pocket. Fillings could cost $150-300 depending on the dentist plus x-rays if needed. You will need to contact the dentist to get the exact pricing for dental work.

Guidance on Private Insurance
If your employer/school offers a private healthcare plan, do opt into it especially if it covers dental/vision. If your spouse is working, then you might have the option to be covered through your spouse’s plan.

Entertainment Costs

If you are going to a nightclub it’s going to be $5-15 for entry and about $10-15 per drink. A visit to the Cinema is going to cost you about $15.

Guidance on Entertainment

There are lots of clubs that let you have free entry if you show up early! Some places will let you in for free if you make a party reservation (contact them in advance!) Just go on the location’s Facebook page/website or contact them to know if they have free entry for coming early! You can even find deals on movie tickets as well!

How Much In Total Would It Cost In Toronto?

If I were to add everything up, for a single individual it would cost about $4000-4500 per month. You can add atleast another $500-1000 per month if you have a partner. If you have a child then childcare expenses would be about $1500-2000 per month.

Which Countries Can You Travel To On Your Canadian PR Card?

A benefit a lot of Canadian PR holders don’t know about their residence card is that it can provide you visa-free access to a lot of countries!

Canadian PR Card Travel Countries

Here is a list of countries you can travel to visa-free if you have a Canadian PR Card!

  • All Dutch Caribbean territories (90 days)
  • Anguilla (maximum 3 months)
  • Bahamas (maximum 3 months)
  • Bermuda (maximum 6 months)
  • British Virgin Islands (maximum 6 months)
  • Cayman Islands (2 months max) – Must arrive directly from Canada/US
  • Costa Rica (maximum 1 month) – Financial proof required
  • Cuba (maximum 1 month)
  • Dominican Republic (maximum 2 months)
  • El Salvador (does not apply to all nationalities)
  • Georgia (maximum 6 months)
  • Guatemala (does not apply to all nationalities)
  • Honduras (does not apply to all nationalities)
  • Jamaica (maximum 6 months)
  • Kosovo (maximum 15 days)
  • Mexico (maximum 6 months)
  • Nicaragua (maximum 6 months, does not apply to all nationalities)
  • Panama (1 month or 6 months)
  • Peru (maximum 6 months for Indian and Chinese nationals)
  • Philippines (maximum 1 month)
  • Qatar (maximum 1 month)
  • Saint Pierre and Miquelon (maximum 3 months)
  • South Korea (maximum 1 month when in transit, does not apply to all nationalities)
  • Singapore (maximum 3 days visa-free transit, Chinese and Indian citizens only)
  • Sint Maarten, Netherlands (maximum 3 months)
  • Taiwan (maximum 1 month, online registration mandatory, does not apply to all nationalities)
  • Turks and Caicos Islands (maximum 3 months)

Legal Disclaimer – Please note that this list is not comprehensive and is subject to change!

If you are not sure if you can travel visa-free to a country using your Canadian PR card, you should check with the country’s immigration website for the latest information and if any additional requirements need to be met before your travel.

Travel Eligibility Requirements

Before you travel make sure you have the following –

  • Valid Passport with more than 6 months validity
  • Valid Canadian PR card
  • Proof to fund your travel
  • Round-trip ticket

You must be able to satisfy the immigration officers that you plan to return to your country of residence within the period or they might deny your entry.

Issues Using PR Card

It’s important to note that Airport Employees usually won’t be familiar with immigration laws, so do not take their advice but instead follow the guidance only by an immigration officer regarding the rules of their country.

When I visited the UK, I had an instance where the airport employee was giving me wrong information about using PR card for transit but I had no issue with the UK Border Agency for using my PR Card to be eligible for a single day transit.

Have you run into any issues while using your PR card for travel? Feel free to share your experience.

Deciding On Which City Is Best For You To Live In Canada?

Gatineau

If you have never been to or lived in Canada before, It can be quite tricky to decide which city you should be moving to in Canada, so I decided to compile a list of factors to consider as well as potential cities to make your decision easier.

Here are some of the factors to consider the right city for you –

Canadian Cities for Early Career Job Opportunities

If your reason for moving to Canada is primarily due to better career prospects, and you are a recent graduate, then the ideal cities to move to for skilled labor would be –

  • Toronto
  • Vancouver
  • Montreal
  • Calgary

The reason being not only are most job postings in the country represented by those three cities, but also there will be a ton of other opportunities if you want to go for a career change or just go up the ladder!

If you are wondering where I got the job numbers from, I got them by looking them up on Indeed Canada which is one of the major job sites in the country.

Top Industries For Toronto

  • Finance/Banking
  • Technology
  • Healthcare/Life Sciences
  • Film and Entertainment

Top Industries For Vancouver

  • Film and TV
  • Natural Resources and Energy
  • Technology
  • Tourism

Top Industries For Montreal

  • Aerospace
  • Information Technology
  • Finance
  • Creative Industries (Arts, Video Games, Film)

Top Industries For Calgary

  • Oil and Gas
  • Financial Services
  • Agriculture
  • Technology

Job Prospects In Small Cities
If you decide to go to a smaller city early in your career then just make a note that there are not going to be a lot of job postings or even companies willing to hire you!

Smaller cities also tend to have jobs in specific industries so make sure before moving to a smaller city that there are jobs in your industry.

Canadian Cities for Experienced Professionals

Being an experienced person can open a lot more options apart from just Toronto, Vancouver, Calgary or Montreal. You can start considering other Canadian cities like –

  • Edmonton
  • Ottawa
  • Victoria
  • Winnipeg
  • Halifax
  • London
  • Quebec City

While these cities have relatively fewer jobs, there are still good prospects for experienced folks. I do recommend you to do a search for jobs in your field before making a move!

Before you apply for jobs, it would be ideal to prepare your resume.

Remote Jobs in Canada
If you are in tech/business/marketing industry, then it might be possible to secure a remote job in Canada and then live in a small affordable Canadian town.

Top Canadian Cities for Higher Education

If getting an education from a top institute is your priority then Toronto comes out at the top since the University of Toronto is based there.

You can also consider Vancouver/Kelowna, where the University of British Columbia is based.

Francophone Education
Montreal would be an ideal choice if you are a French speaker as it hosts McGill University as well as the University of Montreal. While McGill is an English language institute, the Montreal itself is officially a French speaking city.

Other cities and universities to consider for top tier education –

  • Edmonton – University of Alberta
  • Calgary – University of Calgary
  • Ottawa – University of Ottawa (Bilingual University)
  • Waterloo – University of Waterloo
  • Halifax – Dalhousie University

Canadian Cities for French Speakers in Canada

Canada has two official languages – English and French. While the majority of the country’s population speaks English, you will find French to be more prevalent in Quebec and in the Western part of New Brunswick.

If French is your sole language, and you are looking for opportunities then the best cities to move to in Canada would be –

  • Montreal
  • Quebec City
  • Ottawa-Gatineau

Both Ottawa and Montreal have many people that are bilingual in both English and French. If you are looking to get exposure to English, then both cities would be an ideal fit.

Preferred Provinces For Francophones
The majority of French-speaking immigrants move to either Quebec or Ontario not only because of the opportunities but also because Ontario offers a lot of support to French speakers for them to succeed.

Best Canadian Cities for a Vibrant Social Life

If you are looking for a city with a ton of events happening throughout the year then you will have to move to

  • Montreal
  • Toronto
  • Vancouver

Something important to note here is that your Social Life will depend on what you like to do and how fast you are able to make friends after your move. Some people are not able to make any friends despite moving to these big cities!

This doesn’t mean that the smaller cities don’t have much to do but you will find less variety in terms of things to do. Culture in the bigger cities can vary significantly from one neighborhood to another.

Top Canadian Cities with a Lower Cost of Living

If you are looking for an affordable city to live in, forget Toronto/Vancouver! Instead, consider one of these cities –

  • Quebec City
  • Winnipeg
  • London
  • Moncton
  • Saskatoon
  • Windsor
  • Thunder Bay
  • Halifax
  • Gatineau
  • Calgary
  • Edmonton

where the cost of living is significantly lower than Toronto/Vancouver!

Best Canadian Cities for Mild Weather

A few Canadian cities have a much warmer climate than the rest of Canada.

If you are looking for nice weather in the Eastern parts of Canada, cities to consider moving to would be

  • Halifax (Nova Scotia)
  • St Johns (Newfoundland)

Cities in Western Canada that have milder weather –

  • Victoria (British Columbia)
  • Vancouver (British Columbia)

While Toronto does get quite cold in winter, if you are living in the downtown area you would have zero issues due to winter as the roads and walkways are always kept clear of snow!

Canadian Cities With Cultural Diversity

If you enjoy the western lifestyle then you are looking moving either to Alberta or Saskatchewan. Cities to consider in that case would be Edmonton, Calgary, Regina or Saskatoon!

Cowboy Lifestyle In Quebec
Certain parts of Quebec also offer western life (including rodeos and music!) Trois-Rivières, Quebec City, and Montreal are not too from Saint-Tite which is where one of the largest rodeo events in North America is held! Yes, it’s in French!

South Asian Population In Canada
Brampton, which is part of the Greater Toronto Area, has a significant South Asian population, and you will be able to find all sorts of South Asian cuisines. However, note that the crime rate in Brampton is higher than in other Canadian cities. It might just be ideal for you to move to Toronto.

Cities With Chinese Population
Vancouver (Richmond) comes out at the top with the most people of Chinese descent. Other cities being Montreal and Toronto where a lot of people moved specifically from Hong Kong and other Chinese territories.

You will be able to find people from all over the world in Vancouver/Montreal/Toronto. If you want to experience multicultural cities then those cities would be a good place to start!

Top Canadian Cities for Raising a Family

If you are planning to have a family then whichever city you choose, you will most likely be looking at living in the suburbs (away from downtown) as the houses are usually much more affordable than in the downtown core.

If you want your kids to be in a bilingual environment then you would need to either be in Ottawa/Gatineau or Montreal metro. There are other cities that you can consider as well, like Winnipeg, Sherbrooke where there is a significant bilingual population.

If you know of a place that I did not cover then feel free to share that through comments!

Top 7 Reasons Not To Move To Canada!

Snowman in Canada

While you might have heard a lot about the benefits of living in Canada and how Canadian cities always show up in the best places to live in North America, you should also know about things that you might not like about Canada. It’s definitely something to consider if you are planning to migrate to Canada.

Here are some reasons why you should not move to Canada! –

Harsh Winter Weather in Canada

Winters can be really harsh in Canada. Temperatures can drop as low as -30C depending on which city you are residing in. If you are not used to the cold weather, it might make you stay indoors and not enjoy going out for a few months every year!

My Personal Experience With Winters In Canada
I got used to the weather pretty quick as I had been living in Midwest US before moving to Toronto, Canada where the weather gets as cold. But I remember that when I had moved to the UK from India, it took me a while to get adjusted to the cold weather there.

Photo: Cold Weather in Canada! (Mont Tremblant)

Winter Clothing Tips
Here is my recommendation on what to wear during Canadian winters –

  • A well insulated winter jacket
  • A light jacket – layering jackets helps a lot
  • A winter hat – beanie or trapper hat
  • Snow boots – with good grip
  • Wool based socks – keep your feet warm
  • Thermal pants – inner wear for legs
  • Wind/water resistant pants or lined jeans
  • Winter gloves – great if wind resistant
  • Wool based top (innerwear)

Driving Tips for Winters
Since it snows quite a lot during winters, driving can be quite challenging. It is no surprise that it is recommended to equip your car with winter tires or even snow chains in some of the regions.

Some provinces like Quebec legally require you to have winter tires. It might be beneficial to carry a snow brush with you as well.

If you enjoy warmer weather, that will leave you to either go for Vancouver or Victoria as your preferred destination since they experience milder winters than the rest of the country.

High Cost of Living in Canada’s Major Cities

The lack of housing supply and money laundering in major cities like Toronto, Vancouver and Montreal has caused real estate prices to go way beyond the yearly inflation rate while the same thing can’t be said about the salary that an average Canadian makes.

Vancouver is one of the most expensive cities in the world

Not only do you have to pay a lot of money for housing in those cities, but also the quality of the unit tends to be poor. If you are planning to get housing, make sure that you inspect the unit before you submit your housing application.

Where To Live For Cheap In Canada?
Here are some cities that have a relatively lower cost of living (rent) compared to the major cities but note that they might not have ample job opportunities –

  • Red Deer, Alberta
  • Sherbrooke, Quebec
  • Quebec City, Quebec
  • Saint John, New Brunswick
  • Regina, Saskatchewan

Relatively Poor Wages and High Taxes in Canada

In general, wages in Canada lag way behind wages in the United States. There is a reason why a lot of Canadians decide to move south of the border and get a skilled job there as there is potential of making a lot more money in the US when you take into consideration stock options and bonuses that the American companies handout to their employees. This is despite the federal minimum wage being much higher in Canada than in the US.

Median wages in Canada 2022 (Source: Canada.ca)

Not only are the average wages lower in Canada, but also the taxes are higher, meaning after tax deductions and paying living expenses, you will have very little or no savings at all while living in major Canadian cities.

I remember when I had just moved to Canada, I used to get calls from Canadian companies and many of them were paying less than half of what I was making before moving to Canada. I just had to reject such jobs outright as they barely would have covered my monthly living expenses and it would just have been too stressful for me.

How To Find High Paying Jobs In Canada?
Jobs in specific industries can pay you very competitive salaries. Those jobs usually tend to be in Healthcare, IT or Finance if you are looking in the service industry. But you will also find high paying jobs in the Resource/Energy industry and manufacturing to a certain extent.

To secure such jobs you must have good academic credentials or professional experience. Sometimes those credentials can be supplemented with any additional educational courses or certifications that you might have completed. Make sure to have an impressive resume before you even apply for jobs.

You could try looking for a US based company and work remotely for them from Canada as American companies tend to pay a lot more than Canadian companies however it will require a lot of effort on your part to secure such job.

Tips For Reducing Taxes
To reduce your personal income taxes, you could setup an RRSP account (retirement savings) with your bank or another financial service provider. I had setup my RRSP and TFSA account, immediately after moving to Canada and I would recommend you to do the same.

Poor Public Transit System in Canada

While you will often hear how Canadian cities like Toronto have the best public transit system in North America, it is still generations behind European/Japanese cities. In a lot of areas throughout the country, public transport is almost non-existent.

You will find that the public transit system is always overcapacity during peak hours and breakdowns happen quite often meaning your commutes are delayed and what was supposed to be a 15-minute commute becomes more than 2 hours! Not only that, but during peak hours it reeks of sweat and you will often end up having interaction with crazy people on the transit on a regular basis who can sometimes get aggressive for absolutely no reason.

Artistic impression of long waiting lines at a Toronto Bus Stop

While I was living in Toronto, I decided to live at a walking distance from my workplace and it worked out great as I didn’t have to take public transport even during winters. This helped me avoid public transport completely.

Should You Get A Car In Toronto?
It can be really expensive to own a car in Toronto. Insurance rates are usually very high, parking is expensive and traffic is one of the worst in North America. Only go with a vehicle if you really need it. If you have a family and need to take your kid around, yes go get yourself a car. But if you can live without a car, that’s what I would recommend especially if you are living in downtown Toronto.

Broken Healthcare System

While Canada does have a public healthcare system, it can be really hard to find a family doctor. Millions of Canadians are on waitlist to have a family doctor assigned to them, and it can take months or even years before you get a family doctor.

The healthcare system has been overburdened for years and delays in treatment can cost someone’s life. While, these issues are very well known, there is very little effort by the Federal/Provincial Government to resolve issues around delays in healthcare and many Canadians now prefer to go and see a private doctor instead of waiting months to be seen.

What To Do If You Cannot Find A Family Doctor?
In case you need to see a doctor but have been on a waitlist, I recommend that you try for a walk-in clinic. Even though the name ‘walk-in clinic’ suggests you do not need an appointment, you should call them before your arrival to see if they would be able to see you. In case of any serious issue, you should just go to the Hospital or call an ambulance.

Driving in Canadian Cities Can Be Frustrating

Unlike American cities, Canadian cities do not have a downtown loop (connecting highways) meaning if you have to enter or leave the city, you will have to stick to the narrow city roads with signals every then and now. Driving in Canadian cities can be a really tiring experience, especially during peak hours.

Traffic on highways in Montreal

While the population in cities has gone up drastically in the last decade, there has been very little effort by the provincial and federal government to build the necessary transportation infrastructure that supports growth.

Driving Tips
Here are some of my tips to avoid traffic –

  • Avoid driving during peak hours if possible
  • Use Google Maps to avoid construction zones
  • Consider public transit (if it’s more convenient)

Noise Pollution in Canadian Cities

This one might not apply to all major Canadian cities but something I really hated about living in Toronto’s city center was that it was just too noisy. Construction would start up early in the morning and would disrupt my sleep. While you can complain to the city about the issue, they would be very unwilling to do much about it since real-estate contributes a big portion to the economy.

Ottawa Downtown can be quite noisy

Another thing that might bother you while living downtown is the constant sound of vehicles. Most of the apartments and condos in the downtown area have poor sound insulation and you will hear almost everything that goes around your block even if you are living on the high level floors.

How To Minimize Noise Pollution?
It might be worth considering the following to have a peaceful living environment

  • You can try using ear plugs or noise canceling headphones
  • Add noise insulation for the walls
  • Add soundproof curtains for windows
  • White noise machines can be beneficial for sleep
  • Seal gaps or cracks in windows/doors/walls

Is Canada Still a Good Place to Move To?

While you can avoid the high cost of living, and traffic issues by moving to a small city, there might not be a lot to do in those cities and the smaller cities might be lacking on infrastructure like transport and healthcare.

It would be good to ask yourself what kind of lifestyle do you really want?

How To Dispute Parking Ticket in Ottawa?

If you have received a parking ticket by the City of Ottawa, but believe you should not have been ticketed, you can actually dispute your parking ticket and avoid paying any fines!

Ottawa Parking Ticket Header

You can only dispute the parking ticket if you have not paid the fine, cause if you have paid the fine then it would mean that you have pled guilty for the violation.

There are two ways you can dispute the fines –

Request a review of your Parking Ticket

You can ask the City to review your parking ticket. There can be reasons why you believe you should not have been ticketed. For example – You had to park the car during an emergency and had no option to move the car.

For your parking violation to be considered – you would need to provide your infraction number (from the ticket), date of infraction, license plate number, country and a brief description of why you are requesting a review. You would also need to provide your name, and address.

Request a Trial

You could provide a notice of intent to appear at the Tribunal. For your request to be considered, make sure you provide all the necessary details including your infraction details, and attach all the evidence documents.

  • When you request a trial, you can also have someone else represent you.
  • It is recommended that you request a review before going for a trial.

You can request review of parking ticket here or trial using their notice of intent form – https://forms.ottawa.ca/en/form/ics/service-ottawa/notice-of-intention-to-appear

How successful would your review request be?

Personally, I have had my parking tickets reviewed before by the city and have been able to get half off. In my case, I had paid for the initial parking however due to delays at the health clinic, I wasn’t able to get back to my car on time.

Fine reduced after review

If it’s your first infraction, they might reduce your parking fine by half even if you were at fault. Chances of getting the parking ticket completely waived are less but really depends on what evidence you provide and how strong is your case.