How old are you? I like listening to you because it helps with my Cantonese. I was raised in England and US so my Chinese is not good even though my parents were from Hong Kong. You speak very well. Some phrases I don't understand but I'm learning.
most bank have some form of credit card where you 'put down some money'(basically equivalent to debit card but is credit card and affects credit score). Though I very much doubt the claim of max 30%.
I'm quite surprised that people are judged based on how much money they make. I'm a Malaysian studying in HK, surrounded by China Chinese and Taiwanese and I always felt a kind of low-key discrimination or prejudice, but I can't quite pinpoint what's off about it. I agree with some of the comments that this way of valuing others is just very shallow. This is quite a cross-cultural difference because from the way I was brought up, although money is kinda important, it is not everything. So long as a person's job pays the bill, they are making a honest living, and the best is if they are enjoying what they do, that's all that matters. It's hard for me to brain the importance of money in this way.
At your 20s 30s, I would say try to accomplish as much as your can. Getting professional certificate, degrees, etc. Work harder and explorer more opportunities, when you haven't start a family you will have a lot more free time to achieve more in your career. Once you started a family (have a child), you will be busy dealing with your child and family, career and even social activities will become less priority. First time watching your video. Good luck in your career and new life in Canada.
that is the same in canada. good credit always mean you have been given the credit and use it, but make sure pay back on time. I always settle them in time, be it HK or canada or anywhere.
credit score is not controlled by the bank but trans union etc. two different thing. don't know what you meant by 優惠 but I kept on getting auto raised credit limit but in canada and hk even though I always settle them in full.
Hong kong people are very shallow, they judge you by how you look, what you wear and how much money you have. I am glad you have a new sense of self and happiness. I wish you continual happiness and contentment!
Based on the Hong Kong stock and real estate market, Hong Kong future is not looking good. China is being isolated like Russia, Iran and North Korea by the western world. Hong Kong wages will soon go down as many foreign companies will either leave Hong Kong or move their offices into China to reap the benefit of low rental and wages cost. This is just pure common sense.
![[和你聊聊天]你到底準備好移民加拿大了嗎?😵😵💫|台灣人vs香港人? 賺很少? LGBT? 英文很爛?](http://i.ytimg.com/vi/WXcrgllnVYg/mqdefault.jpg)
![[和你聊聊天]你到底準備好移民加拿大了嗎?😵😵💫|台灣人vs香港人? 賺很少? LGBT? 英文很爛?](/img/tr.png)
Agree! 係香港我比班同事係咁問幾時有男朋友、點解無男朋友、果陣每次比人問親都好大壓力唔開心、有時都會問自己點解我搵唔到男朋友係咪因為我有問題/唔夠好？黎到加拿大啲同事唔會再問呢啲野、互相尊重，令我感覺舒服好多，工作方面又無咁多是非、外國同事都無歧視我，如無意外我唔會想再搵香港番工生活
是非真係視乎你際遇，我工作就充滿drama😢
@@JL-oi8di 愈大個愈覺得人生所有野講際遇、運氣，無論工作、愛情、健康等，聽天由命
@@Sun-yn4hu 係呀，每個人人生不同，我就常遇到善妒，心地差的同事。明明自己想簡單生活，跳到一個地方重新開始，又見到同類人🤬。
@@JL-oi8di 你都係加拿大？華人公司？
當你唔再覺得搵錢係最最最重要既時候，就可以騰空心思出黎，去做自己鍾意自己覺得有意義既事，成個人既心態都輕鬆左
Well said, 加拿大雖然係養懶人, 但某程度上亦都養左好多為理想而工作(唔係剩係為錢)嘅人
真係要在建立自身新價值觀😊🎉多謝分享
我六月會過來多倫多參加囡囡高中畢業典禮，我最睇妳的片是妳介紹在多倫多如何開電話卡银行卡租屋，冬天穿着，我覺得好有用。繼續加油呵，祝妳日日開心享受生活。
早幾星期有幸見過詩淇真人， 真係冇用 filter, 😂😂 真人同youtube 同樣架。 😊
終於出片啦。🎉🎉🎉🎉
土地問題，地方小周街都見到人，好自然就會做比較，呢個係人嘅本能。喺香港有獨立思想係近代嘅事，所以傳統思想已經令人習慣有呢個文化。再加上過往娛樂界嘅一啲訊息或橋段令人誤以為係自然不過。了解自己代表自己成長了，希望一齊安好
在愛爾蘭，做it, 現googler, 外國機會多d, $$$$又多ddd, 每次返HK只會講apple and orange不必傾羨，最重要健康同快樂，祝安好
年青人已經可以有這些體會，proud of you. 👍
人生可貴之處在於不斷探索自己的生活和生活態度。可以活得精彩。到最後仍可說「不枉此生」。👏👏
詩淇,加油！生命就是一段旅程，處於不同階段的人生自有不同的收穫與領悟。 年少氣盛之時，功名利祿是人生的目標。 當時光流逝，人們走到年老之時銳氣也會江河日下，此時對功名利祿早已看破，轉而追求祥和安寧開始真正的享受生活。祝生活愉快！
恭喜你,mindset與外國人一致。你是一個會成長的人👍,不固化.
恭喜你，你層次昇華咗！🎉
Thanks for sharing. Very well said. Keep it up!!
我嚟咗加拿大都差唔多七年，初初冇身份搞咗好耐先至有，中間嗰段時間完全唔知自己到最後會唔會會留喺加拿大，所以都係抱住一個唔穩定嘅心態，而家終於可以穩定落嚟，但係樓價貴無論買同租都一樣，有時都會覺得自己一事無成，冇車冇樓，因為而家周圍租金都好貴，我都係住緊一個幾差嘅地區幾差嘅大廈，成日都會諗我係唔係冇比到我自己同埋我隻狗一個更加好嘅生活，呢排都成日諗點樣可以賺啲錢，但係又驚賺多啲錢又交晒稅，好似被困咗喺呢度乜都做唔到嘅無力感，跟住又好想將來可以去吓台灣生活轉下環境，我琴日同一個朋友講電話，佢話大致上都好開心，不過好似唔係真正地快樂我當時唔係好明佢講乜嘢，但係今日嘅我明啦，就係其實大致上生活都過得舒服冇問題，但係有陣時靜落嚟又會覺得好似冇快樂嘅泉源，我諗好多人都有呢種亞快樂嘅感覺，不過我都要努力諗吓點樣可以更加進步，希望生活真係可以越嚟越好，今日CZcams咁啱見到呢條片覺得好神奇。
保持身體狀況，去多幾轉banff或者落美國玩嚟得更開心，錢買唔起快樂，不過短暫滿足
@@fukol18378 多謝你既建議:)
@@fukol18378冇錢去旅行，人工太低😂，依然營營役役，唔知幾時先有財務自由
加拿大真係好好住
我就係個啲係香港反金融 著高跟鞋個啲
宜家我著Costco 衫+ Birkenstock
日日同個仔去新公園 去沙灘
不知幾開心
事業？ 事旦la 份工就到家庭重要啲
同埋養埋狗
個人真係好開心
How old are you? I like listening to you because it helps with my Cantonese. I was raised in England and US so my Chinese is not good even though my parents were from Hong Kong. You speak very well. Some phrases I don't understand but I'm learning.
多謝分享❤
好多謝你既分享 畀左少少正能量畀我 多謝你
好欣賞你嘅坦白!
有得食，有地方住，咁就做乜都得，但前提都係要有錢解決生活問題
你可唔可以係你唔做野嘅時候仍然能夠生活先係重要
睇完羽靈再睇你個channel, 黎左廿年，最近好痛苦係公司上層D 垃圾乜都唔識，功就拿，野就你知，有野問佢唔識就唔理。 完全唔明乜都唔識都坐到咁高。但找左好耐，真係好想轉工。心好累
most bank have some form of credit card where you 'put down some money'(basically equivalent to debit card but is credit card and affects credit score). Though I very much doubt the claim of max 30%.
小確幸🎉！
I'm quite surprised that people are judged based on how much money they make. I'm a Malaysian studying in HK, surrounded by China Chinese and Taiwanese and I always felt a kind of low-key discrimination or prejudice, but I can't quite pinpoint what's off about it. I agree with some of the comments that this way of valuing others is just very shallow. This is quite a cross-cultural difference because from the way I was brought up, although money is kinda important, it is not everything. So long as a person's job pays the bill, they are making a honest living, and the best is if they are enjoying what they do, that's all that matters. It's hard for me to brain the importance of money in this way.
At your 20s 30s, I would say try to accomplish as much as your can. Getting professional certificate, degrees, etc. Work harder and explorer more opportunities, when you haven't start a family you will have a lot more free time to achieve more in your career. Once you started a family (have a child), you will be busy dealing with your child and family, career and even social activities will become less priority. First time watching your video. Good luck in your career and new life in Canada.
2nd point is reverse in HK: use too few credit limit > lower score (owing to not fully utilizing the credit Protocol 😢)
that is the same in canada. good credit always mean you have been given the credit and use it, but make sure pay back on time. I always settle them in time, be it HK or canada or anywhere.
我覺得比較會令到一個人反省, 個人成長和進步, 然而過度比較, 是不健康. 我覺得一個人生活自主, 不連累別人, 都是好的人生. 例如: 父母想你有一個partner , 我覺得會比一個人叮一聲, 原來有一個相處到partner 是好治療, 開心和不開心都有人比意見和支持. 我自己就是沒父母提點, 20年都沒認真找到伴侶, 呢一刻, 我想通要揾個女友, 我就積極去做,
做GIC最唔好就係稅務方面一D都唔Friendly. 我覺得定期收息既ETF比較好. 另外你講香港D親戚問收入工作, 我每次去香港都會遇到, 我都話我做送外賣的 XD
每個人的價值觀的確可以很不同, 但不能否認, 符合大多數人價值觀的人, 是會活得比較有面子, 比較快樂的, 因為人類始終是個群體社會。我行我素的人可以為了自己覺得好過而選擇不去盲從(因為未至於不跟風日子就會過不下去), 但就不要自欺欺人。我活了幾十歲, 得出的結論是, 人一定要有錢, 至少不要比你身邊的人窮, 因為長期受看輕甚至受欺凌, 那個人最終一定會選擇孤立自己的。
人老了, 又單身又無錢, 10個人有9個都覺得佢失敗, 無意見的那個根本不識佢, 佢話佢快樂, 但呢種快樂冇人想要, 呀化?
所以, 人趁年輕, 一定要搵錢行先, 不要貪自在, 不要到年老了才來累己累人, 那才真正對得起自己。
最近都係struggle 緊嘅課題
銀行最憎係信用卡用一筆還一筆的人，因為咁樣D數好亂，信用卡真正賺到錢係遲咗找錢要交charge嘅人！
Thanks
BMO is pretty big. I can consider opening an account there.
勤力,想賺多啲錢人,成功就大大機會多咗！
加拿人銀行匯率極差 唔建議用 用wise又好 instarem都好 一定唔好用五大行過錢返香港/其他國家 差距好大!
以前香港做bank， credit score 我就唔清楚， 但係越準時還錢果班人 我地越無優惠比佢地。 準時還min pay果班就最多優惠。
外國銀行有一啲香港銀行業無嘅收費，所以佢哋跑數嘅方法同香港唔同。仲有就係去買車間車行可以唔收支票，一定要個客去銀行做轉帳過數，你一埋櫃位做轉帳本身銀行已經有收費。
credit score is not controlled by the bank but trans union etc. two different thing. don't know what you meant by 優惠 but I kept on getting auto raised credit limit but in canada and hk even though I always settle them in full.
其實加拿大價値觀也開始變了。我明白你睇法。但現實歸現實。
如果真係覺得金錢結婚生仔唔太重要，應該唔會比個親戚刺激到。
4:44 feel like ability to make money is one thing, not necessarily linked with successful or not
Just a skill and interest 😂
越覺得自己叻的人，先喜歡比較，因為佢要取得到別人讚賞。當年紀越大，就覺得太無知。
所以我真係成日都覺得香港班親戚係可以完全唔需要再聯絡
遇到乜事，得親戚可以幫你
典型華人思想一出世就已經要嬴在跑線，拎仔女讀邊間學校去同人哋比，讀咩大學入咩學系，畢業做份咩工，買層咩樓住邊區，揸架咩車 ... 所以而家香港讀書嘅細路都好慘，又要學幾樣嘢整靚張 CV 先入到父母心目中間學校。
價值观完全有問題，好似食飯唔曬錢一樣，做乜唔要錢。香港以前係好過加拿大好多。
Hong kong people are very shallow, they judge you by how you look, what you wear and how much money you have. I am glad you have a new sense of self and happiness. I wish you continual happiness and contentment!
你問吓佢刷左牙未？點解佢把口咁臭😂
Based on the Hong Kong stock and real estate market, Hong Kong future is not looking good. China is being isolated like Russia, Iran and North Korea by the western world. Hong Kong wages will soon go down as many foreign companies will either leave Hong Kong or move their offices into China to reap the benefit of low rental and wages cost. This is just pure common sense.
LOL
以為係講咩 幫銀行賣廣告
well one has to make their living even the 'money view' is changed ;-)
根本不是加拿大舆香港人的價值觀分別，而是整個民族，東方舆西方的分別。東方人喜歡埋堆，刷存在感，西方崇尚我行我素，個人主義。
唔係個人主義，係人權主義，主要包括自由
@fukol18378
個人主義 Individualism
人權主義 human rights idea
兩樣完全唔同嘅野來
really ? why do people want to go to stanford MBA ? Because they learn things completely different which no ones know about ;-)
其實你出世時唔會有幾百萬一齊痾出嚟，錢只不過人類搞出嚟去衡量你值幾多，但死後咪一樣乜都無，何必被無聊制度影響一生。
有幾百億你唔會食十餐，你唔會同時揸幾十架跑車，同時長生不老，錢？算9數啦
只能講...你呢個親戚都只係你生命既一個過客...
😂😂wow
Li Ka-shing also wants to recognize you as his goddaughter