What is it like living in Canada compared to the U.S. regarding taxes, public safety, the cost of university, the economy, race relations, and small business support?
Answering as a Canadian.
Taxes: You will pay more in taxes in Canada, but that is balanced out with mandatory Universal Health Care and prescription medicines are provincially subsidized; some are also bulk-bought.
Public Safety: There are very few truly ‘unsafe’ places in Canada, more like a spot here and there in a city. Policing is more unified in Canada as compared to the U.S. There are over 13,000 police jurisdictions in the U.S. and relatively few in Canada (less than 500, including city police), and there is a national police force (R.C.M.P.) that has primary law enforcement in several provinces and territories (so not like the F.B.I.) Firearms in Canada are regulated FEDERALLY, so the law is the law from one end of the country to the other. A city-raised citizen can go their entire lives (in a city) and NEVER see a firearm except on the hip of a police officer. Rates of firearm ownership are 1 per 4 people, and Canadians tend towards long guns (hunting, farming) rather than handguns vs. the U.S., where the ratio is 1 per person and heavily favours handguns. Firearm deaths (rounding the figures here for simplicity’s sake) in Canada are 2 per 100,000, and 75% are suicides and 15% homicides vs. the U.S., where it is 12 per 100,000 and 38% are suicides and 60% homicides. Works out to a 24-fold increase in the homicide rate in the U.S. over Canada. Of concern is the possibility of extremist or terroristic activity, but Canada has only had a tiny number of incidents.
Cost of University: Most universities in Canada are PUBLIC and receive funding from the Federal government. Tuition costs have risen recently due to funding not keeping pace with costs. For a Canadian citizen studying in their home province, a four-year program costs about $20,000 (McLean’s Magazine University study), exclusive of books, materials and living expenses. In comparison, a U.S. citizen studying at a state University will pay about $40,000 (www.topuniversities.com) exclusive of the same. Prices will vary by discipline, and more exclusive venues will cost more.
Economy: Canada has a less varied economic base than the U.S. It is more resource-driven, and tourism is a big sector in some cities (Vancouver, Victoria comes to mind). Unemployment tends to run about 2 points above that of the U.S. 75-80% of our population is within 100 miles of the southern border, so our northern reaches are sparsely settled with exceptions (Kelowna, Prince George, Calgary, Edmonton, etc.). As a result, there can be boom/bust trends in heavily resource-dependent locations (oil, mining, lumber, etc.) To prevent this from happening in our farming industries, marketing boards have been in place for decades to ensure a consistent stream of money to farmers and goods to market. Not all people like the marketing boards; others are firmly in favour. We have a wide mix of industries, including film and television (particularly in Toronto and Vancouver), and many multinational corporations have operations in Canada.
Race relations – I hate the word “race”; there is only the human race. Nonetheless, the U.S. is famed for its ‘melting pot’ metaphor when it comes to cultural interactions. In contrast, Canada favours a ‘mosaic’ where people are Canadian while retaining their unique cultural characteristics – provided those characteristics DO NOT run afoul of Canadian laws (this happens occasionally). With only a tiny exception, Canadian cities do not have cultural ghettos; more like one group tends to favour living in one area over another, but with many different people living in any given area. Generally, people are respectful and even curious about each other’s culture – especially regarding food! Many cities have adopted cultural celebrations on a grand scale. Yes, we have bigots (of all skin tones, beliefs and socio-economics), but it rarely is a major problem. Our armed forces are completely integrated, including women and transgender. Generally, people are expected to behave, be polite and leave others alone. Be aware that public shaming for inappropriate behaviour happens in Canada and is a social control long before social media. For instance, if you kick your girlfriend’s dog in the elevator, and it is recorded on the building video, I can guarantee that it will go public, and you will feel the full force of public opinion (true story, B.T.W.). The one major cultural issue Canada does have is with relations with the First Nations peoples; we surely have a long way to go to transform that into a better relationship.
Small business support: How do you define a small business? Let’s say you are a medical doctor who wants to set up a practice in northern Ontario. You will receive massive support from the government and the local community. However, if you are a restaurant that wants to set up shop on the same block as three other similar restaurants, you will not get much support. Some government (federal and provincial) departments specialize in offering advice, mentorship, and (sometimes) monetary assistance for small businesses.
Geography – this wasn’t on your list, but it is important. Canada is a freaking huge country with a varied geography that can be intensely interesting but potentially problematic. Getting places can take a long time, and the terrain can be difficult. We have wildlife, and it should be left alone; for instance, (true story) if you are in Banff and you see a deer-like creature (it’s called an elk or wapiti) standing in the middle of town with people walking past, DO NOT try and put your four-year-old on its back to take a picture! If you do, bad things will happen, and when you complain to the police/conservation officer about how come we let the elk stand there in the first place… well, it lives here, weighs 500-700 pounds and has sharp antlers sticking out of its head, we are not going to try and move it. Leave it be is a good rule of thumb for the outdoors.
What is it like living in Canada compared to the U.S. regarding taxes, public safety, the cost of university, the economy, race relations, and small business support?
Taxes:
The tax question is extremely variable. I have lived in both countries, and my nominal tax in Canada was lower in Alberta than in California. 1.5% lower in sales tax and 6.5% lower in dividend tax. Now, as mentioned, personal tax is higher. Absolutely. But, when running the numbers with insurance and living expenses in L.A., where I lived, or N.Y.C., where one of my close friends lived, it balanced out. For me, you have to be incorporated to make this happen, which means you have to account for professional services, BUT that’s not a tax IMHO, it’s a requisite. Also, I’m not accounting for the Pigovian/sin taxes.
Here are some numbers as I’ve been to most places:
Ontario vs. Indiana is $.41/L CAD more.
Texas vs. Alberta is half the cost of a beer
California vs. B.C. is three times the price for cigs.
The Big Mac Index is about the same.
Public safety:
Canada is one of the safest nations on the planet. We have rather strict gun control laws requiring background checks, training, and licensing, and the majority of crime (though not all) is property crime.
The Economy:
Canada is deeply dependent on resources, particularly oil. Canada has taken a particularly large hit with America’s energy independence initiative and commodity prices dropping. There are three points I’ll make further. First, the economy has nowhere to go but up. The trade war bolsters the economy due to America’s trade surplus. The first day sanctions were implemented, Canada added $600,000,000 to its economy.
Further, this will force Canada to open up new markets. The second point is that the resources present in Canada are exceptionally important. Alberta sits on the second-largest oil reserve and is pushing all its might into foreign exports to countries actively seeking the resource and retooling their refining process for Canadian oil. Lastly, Canada can exist within a vacuum. All socio-economic stats would be better if you lived here than in the United States. The standard of living, average household income, and so on. The GDP PP is lower but about on par when accounting for the 1%. Where you get into trouble is travel since the currency isn’t quite strong at this moment. The big one that should be mentioned is that upward social mobility is stronger in Canada. Lastly, regulations are more stringent, meaning stability is innate in the system (at the expense of profit).
Small Business Support:
I don’t know what you mean by this, but as aforementioned, taxes in certain provinces will be less than in certain states. Further, there are plenty of grants and loan options. Having had businesses in both countries, they are very similar if you’re not working with loopholes and shelters.
Race Relations:
I’ll tread lightly on this one because I’m white. I grew up in an exceptionally ethnic area. I’ve never seen racism in my life, having many number non-white friends. That being said, I know it exists. I’ve just never seen overt racism in my presence.
There are two things that are interesting to note about race and culture.
First, the Charter (constitution) explicitly encourages people to maintain their cultural identity. Article 27. So, foundationally, race, colour, creed, and religion are important to Canadians to the point that it’s explicitly taught in grade school.
Second, the rule of thumb for politics, namely those running for Prime Minister (president), is that you can’t win unless you win Toronto and, to a lesser extent, Montreal. Toronto is an extremely diverse city, which means you cannot pander to a certain race, and it’s especially difficult to be a populist. This is why Canada has seemingly no nationalistic fronts.
I will note “small town Canada” is quite white. “Big town Canada” is quite diverse.
Subsequently, race relations are far different here.
Diversity:
I can’t speak to the university, so I’ll build on my last point. Diversity is very important in Canada. Firstly, look at the cabinet, which takes nearly every walk of life, race and gender into account.
Secondly, progression is very important in Canada. Most great moral debates have been solved, if not years, decades before other nations. Racial equality, women’s rights, gay rights, gender rights, abortion, right-to-die… the list goes on.
Having been to or lived around the world and between the United States and Canada, even though the 49th is just an invisible line, Canada is vastly different from its neighbour south.
What is it like living in Canada compared to the U.S. in 2024?
Putting in my two cents…I was born and raised in Toronto and moved to Chicago about a year ago.
Taxes: Generally speaking, Canadians pay higher taxes, but not so much because of the actual tax rates, but because the U.S. allows more significant deductions on your tax return (mortgage interest being the biggest one).
Public safety: Canada is one of the safest countries in the world. In Toronto, the largest city, I can walk around at night as a female and not feel scared. Also, note that Canadian public housing is generally spread out and not all grouped to make a ghetto. This means that kids from low-income households go to the same schools as kids from more wealthy households, so they have the same education opportunities, decreasing the risk of becoming criminals.
University: Based on my conversations with my friends in Chicago, the cost is about the same. I have not heard of this “$5,500 tuition cap” that someone else mentioned here; it could be true, but if so, it does not apply to most programs. I paid about $16,000 a year for undergrad in school six years ago, which seems comparable to what my friends in Chicago paid.
Economy: Right now, the Canadian economy is not doing well because of oil prices. Canada relies on natural resources (oil, mining, etc.); if you look through the TSX, you’ll see that most stocks are in that industry. However, it should also be noted that the Canadian banking system is superb and allowed us to get through the 2008 recession in a much better position than any other G8 country.
Race relations: Canada is very diverse. Like any other country, there will occasionally be bigots here and there, but most of the time, no issues. Toronto, Vancouver and Montreal are all extremely multicultural cities.
What is it like living in Canada compared to the U.S. regarding taxes, public safety, the cost of university, the Economy, race relations, and small business support?
I’ve lived and worked in both countries and am a citizen. In the U.S., I’ve lived in NYC, South Carolina, DC and Boston. I’ve spent much time in Houston, Nashville and the Bay Area and travelled nationwide. In Canada, I have lived in Edmonton and Toronto and spent much time in Montreal. I’ve also been all over the country. I currently live in the U.S.
Taxes
Generally speaking, taxes are higher in Canada (income and VAT). This would vary based on the state and province, but I’ve found this to be the norm. Of course, people have touched that you get more with your taxes in Canada (i.e. healthcare). My employer covers my healthcare costs (that might not be the case with everyone), so I don’t bear those. You can also deduct more in the U.S., but that might change with the new tax law.
Public Safety
Non-violent crime is about the same in both countries. Violent crime is higher in the U.S. Of course; crime does vary from city to city and region to region in the U.S. I think there’s more variance in this regard compared to Canada. That being said, I’ve been mugged and had someone break into my place in Canada, but I never had anything happen to me in the U.S.
University Costs
I attended undergrad in Canada and grad school in the U.S. Most Canadian schools are public. In the U.S., it varies. From what I’ve encountered, state schools run about the same costs as Canadian schools, but private schools are much higher.
Economy
Population-wise, Canada is much smaller and has a far less diverse economy. Canada’s Economy is too reliant on natural resources. The U.S. economy is far more diverse and has more jobs in more sectors. Regarding jobs, etc., the U.S. is better for white-collar jobs, and Canada is better for blue-collar ones.
Race Relations
Outwardly, Canada has better race relations. You don’t have overt racists trying to dictate policy like you do in the States. With that being said, Canada has its fair share of racial tension, but it’s more under the radar. Also, you have a different ethnic makeup in the States compared to Canada – far more Latinos and Blacks and fewer Asians and Indians. I do notice, however, more interracial couples in the States compared to Canada. Ethnic groups in Canada tend to stick to their own.
Small Business Support
Can’t definitively answer that, as I’ve never run a small business in Canada. I was a partner of one in the States, and it was fairly easy to set it up, etc. I heard it’s not so hard to set something up in Canada, too. It’s broadly similar in both places.
What is it like living in Canada compared to the U.S. regarding taxes, public safety, the cost of university, the Economy, race relations, and small business support?
As a Canadian who grew up in Vancouver and still lives here. I would say this:
Taxes: Extremely expensive. Federal rates are similar, except the middle class pays more than the U.S. middle class, while the top bracket is only 33%. Provincial Tax rates are huge; people making under 50k are already paying in the 7% bracket. Plus, GST/PST taxes on most products you buy. GST is 5% PST, varies by province. B.C. has it at %, so most items are 12%; there is also now a Carbon Tax, which makes everyday products super expensive
Cost of University: slightly cheaper than America if you go to an in-state school in America. If you live on campus in Canada (UBC pays 18–20k a year), Waterloo pays a whopping 13k a term!!! (Engineering is more expensive than others)
Public Safety: Canada’s number 1 benefit. We don’t have the mass shootings on a scale that America does. However, this is changing. Toronto has become a shitshow with lots of shootings. Also, as an Indian, I can say this w/o being racist. Certain places like Surrey, BC or Brampton, Ontario, heavily sikh places are major shitholes. Gangs, shooting drugs, if you dont live there, you’re mostly in a good, safe place
race relations: this is tricky. People on the surface are much less racist in Canada, but there is lots of internal subtle racism, sometimes worse than in America. Jobs will require Canadian experience, so unlike Indians in America working in professional jobs, many Indians here work in call centres and stores, skill jobs (my dad included had to do this) despite being a mech engineer in India.
Economy: Although in 08 the country didn’t suffer as much as America, overall, this country has a sluggish 1–1.5% growth per year, so not one of our strong points. We also have arcane rules like Bill 101 in MTL or govt jobs requiring you to speak French even if you dont live in Quebec. lots of monopolies or duopolies. e.g. only two internet providers in B.C., only one electricity provider, car insurance, etc.
Overall: Canada is safer, less overtly racist, and has better healthcare, but America wins for Economy, taxes, and education(talking quality of average public schools and average universities), not the price of uni
What is it like living in Canada compared to the U.S.?
Canada: Frugal, Timid, Very polite but not very warm, Cheap with tips/money, never complain, housing obsessed, expensive, Tim Horton lover, not very business-minded, ice hockey, very tolerant, multicultural, go by book type, great health care, really bad weather, peace-loving, hate Donald Trump – big positive.
America: Risk takers and big spenders, Not very polite yet very warm, life-long friends, big-hearted, excellent customer service, affordable GREAT prices, better housing and high disposable income, you are on your own when it comes to health care, very confident and high achievers, big houses, don’t always go by the book, very enterprising, not very tolerant to Muslims, gays and minorities especially South, overall way more affordable, warmongers, GREAT weather and yes one big negative – DONALD TRUMP.
P.S.: Canadians go in droves to the U.S. for shopping because of prices, variety, and customer service. Never the other way round!
What is it like to live in Canada vs America?
I was raised in Toronto and live there now. I lived in Greater Boston for many years and have travelled all over the U.S.
Fewer guns, safer streets, higher taxes, and a more diverse (heavily Asian) population in Canada. Occasionally hear French spoken (it’s on the T.V., and all are packaging), but you are more likely to hear Mandarin/Cantonese, Urdu, Hindi, Italian, or Tagalog in most parts of the country than French; you will hardly ever hear Spanish. Most things are more expensive in Canada than in the U.S., even if made in Canada. People are often peculiarly polite and add letters to words (extra “u” s). We worship hockey and have three downs in our version of football. People are more likely to know U.S. history and geography than Canadians because it is more interesting. Our country is founded on “Peace, Order, and Good Government.” As a result, there is a strong sense of the need for a common good and a willingness to accept limits placed on our freedoms if we all benefit.
Canada gave the world David Suzuki, Captain Kirk (William Shatner), and U.N. peacekeeping.
Cheaper cost of living, better quality food, MUCH larger portions in restaurants, fatter people, constant low-level fear of being a victim of a random crime in the U.S. Signs are posted (in some places) in English and Spanish. People (depending on the region) are often either painfully saccharine and nice or just plain rude and xenophobic. People are often surprisingly ignorant of history or geography outside their state. The U.S. was founded on a need to pursue life, liberty, and (individual) happiness at any cost and an inherent fear of government. This leads to a culture focused on individuals and a fear of government.
The U.S. gave the world George W. Bush, the Korean Vietnam/Gulf I/Gulf II/Afghanistan wars (all unresolved) and Honey Boo Boo.
A heavy oversimplification, I know, but it does give some sense of things….
What is it like to live in Canada vs the U.S.?
Born in Toronto, I lived in Ontario and Quebec until I was 19. Then I snuck into the U.S. through N.Y., flew to California and ended up living in Oregon, mostly around Eugene, for eight years. I had many friends and enjoyed my experience there; I worked at the university after getting a green card and married and divorced. At around 26, I moved to a tiny mountain community with my then-boyfriend. Very redneck, and it was a tough adjustment. I looked at my Canadian past as being very kind, somewhat liberal, and people in general not out to get me. In the mountains, I ran into some mean people who didn’t like me. One day, I realized I didn’t want to live there anymore; these were not ‘my’ people. I returned to Toronto and still live in Ontario. Getting back home and around people with whom I could relate was a huge relief. On the other hand, some of my best friends are American, and I wouldn’t trade them for the world.
What is it like living in Canada compared to the U.S.?
As the other answers suggest, welcome, and you won’t regret it! I’m a dual citizen, American-born, but I grew up and spent my life in Canada, and I have never wished otherwise. There are some very attractive ‘because of’ U.S. society and culture. Still, I’ve always been put off by the ‘despite’ you have to swallow as well, such as violent crime, paying directly for health care, and widespread intolerance of unimportant differences in things like skin colour, ethnicity, and sexual orientation. Though its touch of socialism bothers some Americans, Canada comes across to me as the more caring and humanist of the two societies.
What is it like living in Canada compared to the U.S.?
There is a significant percentage of responses from Ontario. The reality is that living in Canada, like any country in the world, will have both positive and negative concerns. What is right for you depends entirely on you. Each poster here will give you a perspective skewed by their own personal viewpoints, experiences, conditioning, etc. All, some or none may or may not make the slightest difference to you.
The comment about the tax rate at 40% on an income of 35,000-40,000 is inaccurate. If you want to understand the income tax system, browse the Government of Canada website. It will be accurate and provide much more information.
Also, know that where in the country you live matters. Each province has its special great things and not-so-great things. You have to decide what works best for you.
What is it like living in Canada compared to the U.S. in 2024?
What is it like living in Canada compared to the U.S.?
I cannot answer all of your questions, but I will deal with a few aspects:
Taxes: Generally, they are not much higher than the U.S. (bearing in mind that U.S. taxes vary fairly by state, so it’s hard to generalize). I say this based on discussions with Canadians who have lived in the U.S. They tell me that when you factor in the total package–state, federal, and in some cities, city income tax, and especially when you add in the costs of things covered by Canadian taxes (most notably, health care, but also, utilities (which in most parts of Canada are publicly run, and the charges for water and such are quite low–it’s our general taxes that pay for them)), it evens out.
Race relations: Good, albeit not as rosy as we smug Canadians may make it sound. Black, lower-income neighbourhoods D.O. exist here (our self-generated propaganda would have you think otherwise), and they can be difficult. With that said, they are not the norm.
Cost of living: A lot higher here. The average home price in Toronto exceeds $1 million now. And consumer goods–from groceries to clothing to golf clubs or car tires, cost more. I am from and have family in Windsor, Ontario, and Saturday shopping in Detroit is common.
Economy: Strong in Toronto. But selective. In other words, it depends on your skill or trade. Finance, banking, computers, marketing, advertising, and media are golden. Manufacturing, not so much. This is not a particularly good place to be a welder.
Public safety: good, particularly right in the city. Violent crime is quite low by most standards. The city is busy, which usually means low crime (in numbers, people breed safety).
What is it like living in Canada compared to the U.S. in 2024?
What is it like living in Canada compared to the U.S.?
Someone was asking about starting a business in Canada. It is very easy. First, you decide if you want a federal or provincial corporation (I am not sure why one might choose either one; I just chose federal). Decide if you want a registered business name or use a numbered company (the name is a bit more expensive and has no real benefit unless you develop significant brand name value). Then go online to any of several private company websites specializing in registering; they’ll hit your credit card for about $750 and give you company and sales tax registration numbers. Later, they will mail you a package of papers to file away.
Then go to any bank and open an account for the business (no cost), and you’re “in business”, as they say. Keep up all the necessary tax filings and submissions for you and any employees, and you’re done. The big five banks, at minimum, will provide online services as part of your account. You can make direct payments to the various government departments for sales tax if you collect it, employee withholds amounts and corporate taxes. Still, you would be responsible for doing all the computations yourself. I’d suggest shopping around for an accountant/bookkeeper who knows the ropes, though, for a small business without complex employee stuff, you could do it yourself with the help of an online payroll service.
What is it like living in Canada compared to the U.S. in 2024?
What is it like living in Canada compared to the U.S.?
I will answer this question as best as I can. I’ve lived in Canada for about nine years, Toronto for about ten months, Winnipeg for four years, and London, ON for another 4. I’m in Lexington, KY (yup), and I’ve been here for a little over a year. So I can offer some insight for you.
Though I have to ask some questions before I answer further, I hope you don’t take any offence. Are you a U.S. citizen? How old are you? Your ethnicity? Are you planning to go to university in Canada? Do you think about just Toronto or someplace else? Are you planning on working in Canada, or have you found a suitable position already?
Ok, now moving on to the more general type of answers.
First of all, taxes.
I’m asking if you have a job lined up in Canada because the Canadian personal tax is high compared to the U.S. But do keep in mind that I haven’t worked in the U.S. yet, so I don’t know the personal tax rate exactly. If you have an average job in Canada, like $30,000-$45,000 a year mainly, your tax rate would be around 40% (I’m guesstimating here since it’s been a while since I saw my Dad’s tax return, but I would say it’s around 40-45%). If you have a higher-paying job, say $70,000 a year, the personal taxes you would pay might be more close to 50%. Now, every province is different in its tax rates.
As for sales tax, Canada federally has a General Sales Tax (GST), currently at 5% across Canada. Provinces themselves have varying % of Provincial Sales Tax. In Ontario, it’s 8%, while in Manitoba, it’s 7%, and in Alberta, you don’t have a provincial sales tax. I heard a lot of people were going to Alberta to buy cars. 😛 Adding the two taxes together, you would normally have a 15% sales tax, compared to below 10% everywhere in the U.S., I suspect.
Public safety, don’t get me started on that.
I don’t know if you guys in Detroit get news about recent Toronto shootings or the dismemberment of a Chinese student (even though the case was technically in Quebec)/Chinese women and now a floating torso case in the Niagara region. So right now, in Toronto, at least, it’s not as safe as it used to be. I’m cherry-picking over here; if you choose to live in a relatively safer neighbourhood, I would say you’re just fine as anywhere else. This goes along with pretty much all the major cities in Canada. Winnipeg was considered Canada’s crime capital pretty much every year, but I’ve been fine, and I love the city. From what I’ve heard about the situation in Detroit, I would take Toronto over Detroit any day.
As for university, if you’re a Canadian permanent resident/citizen, your tuition will be significantly lower than that of international students. About 1/2. Canadian university tuition generally ranges from about $5,000 to $7,000 a year. Certain undergraduate programs, such as Queen’s University’s business, may cost more, about twice the average tuition amount. University of Toronto’s programs generally do cost more. My tuition over here right now is about the same for one semester. My two years in graduate school here cost about the same amount in Canada for my entire undergraduate degree. And I am in a state school right now; I can’t imagine the costs of a private school here in the U.S…Financial aid and government loans are largely for permanent residents and citizens and are easy to apply if you demonstrate their need. Some universities offer aid/scholarships for international students, but they are scarce; you have to fight for them.
By economy, do you mean jobs? The situation in Canada mimics what the U.S. experiences, even with a lower unemployment rate. Some jobs are hard to find in certain professions and regions. If you go out west, to Saskatchewan and Alberta, even labour jobs (such as fast-food chains) are easy to find with very good pay. So it depends on the region. Right now in Ontario, since everybody’s here and Ontario’s not doing that well compared to before, competition is fierce, no matter your profession. (Well, except for doctors.)
If you plan on living in Toronto and nowhere else, every face you meet on the street has a different ethnic background. Does this mean the relationship seems fine? But you could expect certain racial tensions, but not as much as what the U.S. has, and not as visible or big. You can’t eliminate prejudice now, can you? This goes along to other Canadian cities as well.
Small business support is the area I have the least knowledge in…But, provinces provide some guidance on starting a small business, such as registering your business, filing tax returns, etc. You would have to check the local government on that one.
What is it like living in Canada compared to the U.S. in 2024?
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