加国真是鼓励懒人么？

[ert0000]

热狗说的挣4万贷40万的出处在哪里？难道挣8万能贷80万？

我那算出来的是如果双职工家庭, 如果都拿新的提案中的最低收入$14, 理论上说是可以养得起$50万房子(假设20%首付可以拿得出来.).
如果从还钱付利息角度, 是完全可以的, 这需要家庭经济开销的纪律性.(比如不能去Costco, T&T之类.)

至于那$400K 房贷, 可以有很多地方处理, 比如从你父母,兄弟姐妹, 关系很近的朋友.借个10万, 20万的(你还是给他们还利息, 如果有钱还本金). 这样真正到银行的文件申请的房贷就没有那么高了. 如果在政府或稳定单位做最低工资$14工, 房贷比那些做Contractor或新起步的Small Business Owner还更容易申请.

很多做高科技的(聪明, 不喜欢借钱, 也不会有很铁的朋友圈)很少这么做, 反而很多做普通工作的,容易在家庭成员或朋友间互相帮助, 把时间拉长, 勤勤恳恳的最后攒下的家业不会比聪明的高科技的人少.

 

[ottawa_it_blue_collar]

这文字纯粹是扯淡。

4万收入家庭就是那样啊。

 

[Chiffon]

文中情况只可能在非常极端的情况下发生，把可能的福利损失误导为交税，实际上必须是双职工每人每年两万，孩子的年龄也要在一定范围，而且只在4万到4万多一点才是这个边际损失。再高些就反而没什么福利损失了，五六万以上只有边际税率而已。

 

[BobtheBuilder]

Better read the original report by C. D. Howe Institute,
http://www.cdhowe.org/pdf/e-brief_160.pdf
Peter and Marie Thompson are just making ends meet. The married couple in their 30s have two children and live in a rental apartment in Ontario. Peter works full-time and Marie works part-time, together bringing in $40,000 in family income. Marie is considering switching to full-time work to make some extra money. Should she? One factor to consider is whether the extra income will move her to a higher tax bracket. She also has to consider how much of the extra cash she will keep, after her family’s benefits are reduced.

As Marie’s income rises, her family will lose amounts for child tax benefits, the HST refundable credit, and various other provincial and federal cash transfers and credits. For every extra dollar she earns, she might lose up to 68 cents through income taxes and reduced government benefits. Marie’s marginal effective tax rate (METR) in this case would be 68 percent.

 

[zhzh]

收入正好在这边际上的会纠结，等你们到了１４万，２４万还有时间烦这些? 可惜，有些人就停在这边际上，留恋着毫厘的得失

 

[Anakin]

收入正好在这边际上的会纠结，等你们到了１４万，２４万还有时间烦这些? 可惜，有些人就停在这边际上，留恋着毫厘的得失

算的精的不一定就有智慧。。。。你不从２万３万做上去，谁直接给你个５－６万，７－８万的位子？

 

[ccc]

Better read the original report by C. D. Howe Institute,
http://www.cdhowe.org/pdf/e-brief_160.pdf
Peter and Marie Thompson are just making ends meet. The married couple in their 30s have two children and live in a rental apartment in Ontario. Peter works full-time and Marie works part-time, together bringing in $40,000 in family income. Marie is considering switching to full-time work to make some extra money. Should she? One factor to consider is whether the extra income will move her to a higher tax bracket. She also has to consider how much of the extra cash she will keep, after her family’s benefits are reduced.

As Marie’s income rises, her family will lose amounts for child tax benefits, the HST refundable credit, and various other provincial and federal cash transfers and credits. For every extra dollar she earns, she might lose up to 68 cents through income taxes and reduced government benefits. Marie’s marginal effective tax rate (METR) in this case would be 68 percent.

Clear enough!
任何文字一经过华人的手就走味儿。

 

[salas88]

Clear enough!
任何文字一经过华人的手就走味儿。

这话村长说出来没人敢咋样，我要说出来要被扣帽子了

 

[柳柳]

你们总在说的福利具体是什么福利啊？怎么才能拿到啊？是不是免税的政策？

 

[刑部]

这话村长说出来没人敢咋样，我要说出来要被扣帽子了

村长万岁，万岁，万万岁

 

[刑部]

你们总在说的福利具体是什么福利啊？怎么才能拿到啊？是不是免税的政策？

伴着美女，同问

 

[ccc]

有些社会福利金／福利，穷得到底才能拿到；有些福利金／福利，没有一定的收入还拿不到；所有的福利金／福利，收入到一定的高度就可能都拿不到了。