In the next 17 days we are deciding the new leadership of Canada. The current prime minister Mark Carney called new elections after replacing the former prime minister, Justin Trudeau. Both are from the same party, called the Liberal Party, which has been winning elections since 2015. The current opposition, led by Pierre Polievre, called the Conservative Party, is promising tax cuts in many places, including the income tax. What does that mean?
I finished my Ph.D in 2017 and started seeking a place to continue my life with science, mostly seeking outside of Brazil. I had some interviews in many places, like US and Europe, but I ended up in Canada. The first surprise that you usually get when analysing a job offer from Canada is when you realize the amount of income tax that your new salary will incur. I remember that I met a person living in Canada while I was researching my possible destination in New Brunswick and I mentioned as " I am losing money to the government. Every month I was going to get almost a 35% cut in my income.
The answer was simple from this person who was a Belgian married to a Brazilian. He answered that I was used to Brazil, where I didn't see where the money was going, I had to pay for private education and health. The streets were badly maintained, and politicians loved to spend public money. He added that Canada is different! First part of this money goes to my pension and the other part I will use in Health and Education for my family. The money that I was spending with companies in Brazil to get these services actually was going to the government to provide me.
I am living for almost 8 years now in Canada. Indeed, we get health care and education from the government. In Alberta we pay less harmonized sales tax compared to other provinces for every product or service; we pay 5%, some other places it is around 15%. But still, we feel the pain of taxes. Healthcare and public education aren't bad, but still suffer from administrative problems, like a lack of personnel. Cutting taxes will for reduce the budget of these services. We pay less per year to the government, but probably we will need to start paying for private companies that will provide a better education and health care, like Brazil and USA, Is it worth it?
I am not sure the answer to this question. I am also not sure if Pierre Polievre is only promising to try to get votes for his party in this new election. I feel that many things that he says are just to make the crowd clap for him. Is public administration of public services the best? No, for sure. Many people suffer with these services sometimes, but still I would say that it is much better compared to Brazilian public services. Sometimes I see Brazilians comparing the public service here with the private service there, which is unfair. Private capital allows more investments in equipment and personnel, but also requires us to pay a lot for it.
Nos próximos 17 dias, decidiremos a nova liderança do Canadá. O atual primeiro-ministro, Mark Carney, convocou novas eleições após substituir o ex-primeiro-ministro Justin Trudeau. Ambos são do mesmo partido, o Partido Liberal, que vem vencendo eleições desde 2015. A atual oposição, liderada por Pierre Polièvre, o Partido Conservador, promete cortes de impostos em diversas áreas, incluindo o imposto de renda. O que isso significa?
Concluí meu doutorado em 2017 e comecei a procurar um lugar para continuar minha vida com a ciência, principalmente fora do Brasil. Fiz algumas entrevistas em vários lugares, como EUA e Europa, mas acabei no Canadá. A primeira surpresa que você costuma ter ao analisar uma oferta de emprego do Canadá é quando você percebe o valor do imposto de renda que seu novo salário incorrerá. Lembro-me de ter conhecido uma pessoa que morava no Canadá enquanto pesquisava meu possível destino em New Brunswick e mencionei: "Estou perdendo dinheiro para o governo. Todo mês, minha renda seria reduzida em quase 35%.
A resposta foi simples, vinda dessa pessoa, que era belga e casada com uma brasileira. Ele respondeu que eu estava acostumado com o Brasil, onde não via para onde o dinheiro estava indo, que tinha que pagar por educação e saúde particulares. As ruas eram mal conservadas e os políticos adoravam gastar dinheiro público. Ele acrescentou que o Canadá é diferente! Primeira parte desse dinheiro vai para minha aposentadoria e a outra parte eu usarei em saúde e educação para minha família. O dinheiro que eu gastava com empresas no Brasil para obter esses serviços, na verdade, ia para o governo me prover.
Moro no Canadá há quase 8 anos. De fato, recebemos assistência médica e educação do governo. Em Alberta, pagamos menos imposto harmonizado sobre vendas em comparação com outras províncias para cada produto ou serviço; Pagamos 5%, em outros lugares fica em torno de 15%. Mas ainda assim, sentimos o peso dos impostos. A saúde e a educação pública não são ruins, mas ainda sofrem com problemas administrativos, como a falta de pessoal. Cortar impostos reduzirá o orçamento desses serviços. Pagamos menos por ano ao governo, mas provavelmente precisaremos começar a pagar por empresas privadas que ofereçam melhor educação e saúde, como o Brasil e os EUA. Vale a pena?
Não tenho certeza da resposta para esta pergunta. Também não tenho certeza se Pierre Polièvre está apenas prometendo tentar angariar votos para seu partido nesta nova eleição. Sinto que muitas coisas que ele diz são apenas para fazer a multidão aplaudir. A administração pública dos serviços públicos é a melhor? Não, com certeza. Muitas pessoas sofrem com esses serviços às vezes, mas ainda assim eu diria que é muito melhor em comparação com os serviços públicos brasileiros. Às vezes, vejo brasileiros comparando o serviço público daqui com o serviço privado de lá, o que é injusto. O capital privado permite mais investimentos em equipamentos e pessoal, mas também exige que paguemos muito por isso.
Engraçado é que sempre existirá esse "jogo político" para atrair mais votos dos eleitores.
Bom saber que aí é possível ver serviços públicos que realmente podem cumprir com o seu dever.
Sempre em qualquer lugar a mesma coisa! Nao so no BR
Pois é... Infelizmente isso é uma triste realidade.
35%?
That's steep. That's over a quarter of what you make. Jeez... It's really on the high side. But even though the system works and all, it still has to be tough for you. Especially with the high cost of living in Canada.
My luck is that I am running away from the cities that the living costs are ridiculous hahaha
Vancouver and Toronto, even with a better salary would be impossible to live there.
This is what we're facing here. Everyone runs away from the cities to the less urban areas. They end up developing it and with the surging population and subsequent development, the cost of living there goes up as well. It's like a nasty cycle.😒
Don't get me started, taxes aren't 35% here, they're far higher. The top tier of income tax is 48% in Alberta, in some parts of Canada it is over 52%. Then they take 1.64% off you paycheck for Employment Insurance, which is ridiculous that you can't opt out or get the money back if you don't claim it after x years. Then they take CPP off your paycheck which is 5.95%, sure you get that back when you retire but if you die at 65 you certainly don't.
Then they take 5 to 15% sales tax when you buy something and they take a certain value of your property in tax every year, then they add extra taxes to gasoline, energy, water delivery and other things that are essential to life. There are import taxes, customs duties, user fees for things like going for a walk in the national park.
There are taxes on things like capital gains, when the corporation itself pays taxes, this is double taxation, they also tax dividends, which is also double taxation. They tax the interest you get from saving your money. Tax Tax Tax! It is by far my biggest expense and I have a mortgage!
All this tax and the government still can't balance the budget. They're thieving scum.
Third edit I forgot some. They also tax your estate with something called a probate fee, its on top of the capital gains and forced winddown of retirement savings and retained earnings, in some places it's 1.5% of your net worth and they say there is no inheritance tax (they're full of shit) then they also tax you if you transfer your property in some provinces, that is another 1 to 1.5% depending where you live. There are taxes on hotel rooms and alcohol. Environmental disposal fees added on to bottles and paint cans plus they charge you to carry them away as we pay for garbage. Free healthcare? Maybe basic stuff but if you don't want to wait 6 months for something or you want a private room, or a ride to the hospital, or drugs to fix your issue, or an appointment with an eye doctor because you can't see or you want to get a proactive test and you don't have permission from the doctor, none of that is free.
35% was on my first sallary in NB 😬
I was waiting for your comment in here hahaha!
I think the last sentence brings what the problem is… bad administration of resources… they spend too much in things that it shouldnt … I know that calgary doesnt have much problems in finding family doctors but here is a tragedy! But like i said I still think that the government do better here than in many places around the globe!
35% because you didn't earn much which is still a lot for an immigrant who was probably not very experienced in Canada and starting out a career.
They have too many civil servants doing absolutely nothing and they piss money away. Sometimes if you're a refugee with kids it doesn't even make sense to work if you are making less than 80k a year because the free money is just as good after the taxes plus you can work under the table for cash.
Obrigado por promover a comunidade Hive-BR em suas postagens.
Vamos seguir fortalecendo a Hive
Bzzzrrr, sim! Eleições sempre são um mega-atraente para discussões sobre cortes de impostos! No Canadá, a oposição promete cortes em áreas como imposto de renda. Como abelha, eu não sou um especialista, mas entendo que mudanças fiscais podem influenciar a vida das pessoas!
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STOPEveryone blabs about cut tax, here they said they would cut fuel taxes (for a laugh, Italy still has fuel taxes for the war vs Etiopia of 1939) but then nothing changes... 30% of the wage goes on taxes and anyway you need to do everything privately or wait a year on health side, so I wouldn't mind pay less taxes and have a US style health system
is it true the taxes are less but yet the cost of living is expensive why?
Privatized medicine is the only way there is a reason for someone to innovate. There needs to be a carrot at the end of the stick, just like in any industry. The tax issue is another altogether, excessive income and sales taxes burden the economy. Then there is the issue of what happens to all that extra money from taxes. It won't be saved to pay down debt, it will be squandered on something useless. My analogy of any government is that if you hand them a pile of cash it will be simply wasted, it's like giving a briefcase full of cocaine to an addict and expecting him to use it wisely. Not gonna happen!
!BBH
!DOOK