Cheque salarial

Vous envisagez de recruter ? Estimez ici très facilement le coût de votre salarié. Pour savoir si une aide existe pour alléger ce coût, rendez-vous sur notre service des aides et mesures à l’embauche. McConnell pedía un límite salarial de 40 mil dólares anuales, pero al final la propuesta podría ser idéntica a la que entregó el primer cheque de estímulo económico, aunque podría tener un subsidio más bajo por desempleo o incluso hasta quedarse fuera. Su cheque de pago de salario es el dinero que su empleador le paga por hacer su trabajo. Además recibe un talón de pago, que también suele llamarse una declaración de ingresos. En un talón de pago dice cuánto dinero ganó y cuánto dinero le descontó su empleador por los impuestos y beneficios. Soñar con un cheque salarial representa éxito, tranquilidad y confirmación de futuro feliz. Si la suma de un cheque salarial es enorme podría señalar alejamiento del éxito; si la cifra es razonablemente alta augura incremento de los beneficios paulatinamente. Cheque estímulo con límite de 40,000$: ¿Cuál era el límite salarial del primer pago? Y es que, durante la primer ronda de cheques de estímulo, todos los ciudadanos cuyos ingresos anuales fueron menores a los 99,000 dólares podían ser acreedores a este estímulo federal, claro, siempre y cuando llenaran la solicitud correspondiente. Le chèque emploi service universel ou CESU préfinancé est une solution qui vous permet de régler des services à domicile (ménage, garde d’enfant, livraison à domicile …) tout en bénéficiant d’un allègement de charges.. En effet, le CESU préfinancé n’est pas soumis aux cotisations sociales et à l’impôt sur le revenu dans la limite d’un plafond annuel de 1 830 €. Comprovante Salarial Eletrônico Serviço disponível para as empresas que efetuam crédito de salário (folha de pagamento) aos funcionários. Disponibiliza o comprovante salarial via Internet Banking e Rede Bradesco Dia & Noite, reduzindo custos com impressão e manuseio, além de oferecer comodidade e segurança aos seus funcionários. O passo seguinte é imprimir o cheque de pagamento salarial na impressora a laser, em papel comprado na papelaria mais próxima, da mesma cor do cheque. Depois de imprimir de uma só vez dezenas de falsificações, ou mais, ele pode embolsar os valores em qualquer agência bancária e em qualquer cidade. Le titre emploi-service entreprise (TESE) permet de simplifier les procédures d'embauche de salariés dans les entreprises de moins de 20 salariés. Formalités et mode d'emploi de ce contrat de travail simplifié pour les TPE.... al cabo, es su dinero, y cuanto mejor entienda el contenido de su cheque de nómina, mejor podrá administrarlo para satisfacer sus necesidades financieras. Sáquele provecho a su Hoja informativa 1 ... y la tarifa salarial. Para protegerle contra la usurpación de su identidad, su n.º de seguro social no debería incluirse en

(CAN) first salaried job - deduct benefits?

2020.09.18 01:19 893max (CAN) first salaried job - deduct benefits?

Starting with a big 4 and I’ve never had a salaried job before. When the offer is ____ salary “with benefits” are the benefits on top of the salary or something deducted from each cheque? And if deducted, can anyone from Canada give me an idea what that deduction looks like per cheque? Thanks!
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2020.09.17 21:29 Geeky_4_Tech What is Data Science: Basic Introduction and Its Application

What is Data Science

Data science is the field of study that consolidates area mastery, programming aptitudes, and information on arithmetic and measurements to remove significant experiences from data. Data science specialists apply AI calculations to numbers, text, pictures, video, sound, and more to deliver artificial intelligence (AI) frameworks to perform undertakings that usually require human knowledge. Thus, these frameworks create experiences in which examiners and business clients can convert into substantial business esteem. Even though data science is certifiably not another calling, it has developed extensively in the course of the most recent 50 years. A stumble into the historical backdrop of data science uncovers a long and winding way that started as ahead of schedule as 1962 when mathematician John W. Tukey anticipated the impact of current electronic processing on data investigation as an exact science. However, the data science of today is a long way from the one that Tukey envisioned. Tukey's forecasts happened a long time before the blast of huge data and the capacity to perform perplexing and enormous scope examinations. All things considered, it wasn't until 1964 that the primary PC {Programma 101} was divulged to people in general at the New York World's Fair. Any analyses that occurred were more simple than the ones that are conceivable today. By 1981, IBM had delivered its first PC. Mac wasn't a long way behind, delivering the primary PC with a graphical UI in 1983. Consistently, processing appeared to develop at a lot quicker pace, enabling organizations to gather data all the more without any problem. Notwithstanding, it would be about twenty years before they would begin to change over that data into data and information.

Why do we need Data Science?

Until relatively recently data was structured and small in size. It was able to be analyzed either manually or with the use of simple tools and algorithms. Today thanks to technological developments we are increasingly producing more and more data. This is often semi-structured, or completely unstructured.
For example, it is estimated that over 80% of enterprise data is unstructured. This is only going to increase. To help us make sense of this growing mass of unstructured data we need more complicated analytical tools and sophisticated algorithms. Data science is the process of using these advanced tools to make sense of large amounts of unstructured data. As the amount of unstructured data, we produce increases, data science only grows in importance.

Faqs about Data Science vs Machine Learning and Artificial Intelligence

Are Machine Learning and Data Science the same? No, Machine Learning and Data Science are not the same. They are two different domains of technology that work on two different aspects of businesses around the world. While Machine Learning focuses on enabling machines to self-learn and execute any task, Data science focuses on using data to help businesses analyze and understand trends. However, that’s not to say that there isn’t any overlap between the two domains. Both Machine Learning and Data Science depend on each other for various kinds of applications as data is indispensable and ML technologies are fast becoming an integral part of most industries.
Which is better, Machine Learning or Data Science? To begin with, one cannot compare the two domains to decide which is better – precisely because they are two different branches of studies. It is like comparing science and arts. However, one cannot deny the obvious popularity of data science today. Almost all the industries have taken recourse to data to arrive at more robust business decisions. Data has become an integral part of businesses, whether it is for analyzing performance or device data-powered strategies or applications. Machine Learning, on the other hand, is still an evolving branch that is yet to be adopted by a few industries which only goes on to say that ML technologies will have more demand relevance shortly. So, professionals of both these domains will be in equal demand in the future.
Is Data Science required for Machine Learning? Since both Machine Learning and Data Science are closely connected, a basic knowledge of each is required to specialize in either of the two domains. Having said that, more than data science the knowledge of data analysis is required to get started with Machine Learning. Learning programming languages like R, Python, and Java are required to understand and clean data to use it for creating ML algorithms. Most Machine Learning courses include tutorials on these programming languages and basic data analysis and data science concepts.
Who earns more, Data Scientist or Machine Learning Engineer? Both Data Scientists and Machine Learning Engineers are quite in-demand roles in the market today. If you consider the entry-level jobs, then data scientists seem to earn more than Machine Learning engineers. An average data science salary for entry-level roles is more than 6 LPA, whereas, for Machine Learning engineers, it is around 5 LPA. However, when it comes to senior experts, professionals from both domains earn equally well, averaging around 20 LPA.
What is the Future of Data Science? Putting it slightly differently – Data Science is the future. No businesses or industries for that matter will be able to keep up without data science. A large number of transitions have already happened worldwide where businesses are seeking more data-driven decisions, more is to follow suit. Data science quite rightly has been dubbed as the oil of the 21st century which can mean endless possibilities across industries. So, if you are keen on pursuing this path, your efforts will be highly rewarded with not just a fulfilling career and fat pay cheques but also a lot of job security.
Can a Data Scientist become a Machine Learning Engineer? Yes, Data Scientists can become Machine Learning. It will not be very difficult for data scientists to transition to a Machine Learning career since they would have anyway worked closely on Data Science technologies that are frequently used in Machine Learning. Machine Learning languages, libraries, and more are often used in data science applications as well. So data science professionals do not need to put in a humongous amount of effort to make this transition. So yes, with the right kind of upskilling course, data scientists can become machine learning engineers.
If you find something interesting then read the full article
Data Science
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2020.09.17 17:40 hash_mo Lil bro in some trouble

Soo. My lil bro was working in a fire and safety company which had its branch in AUH. (company is however HQed at Dubai)
Basically, he worked for this company for 2 whole years and the company always paid their salary mentioned on the offer letter with a 15% depreciation citing poor business etc. Despite the lower amount his salary was constantly delayed. Sometimes he would get 2 months salary together. I don't know how they bypass the WPS system but that's how it happened. I advised him to not renew the visa with them. And so he duly informed the HR and they asked him to serve the notice period. He obliged and had asked for the final settlement before his notice period is over. But they intentionally delayed and delayed.
A few weeks after they asked him to come to office for the settlement and confirmation of cancellation. At the time the final amount was grossly inaccurate to what he was truly owed. They had deducted a few thousands citing labour card cancellation etc. He refused to sign and told them to inform him when they are actually going to do the final settlement and his cancellation paper. At which time they told him to sign the papers and we can talk to the management regarding the number in the final settlement. Thankfully my lil bro didn't sign the papers as he plainly told the HR that he doesn't belive in fairytales. And will be going forward to the labour department.
2 whole months pass by. And with the help from the labour dept, the company have agreed to pay his pending salaries and gratuity in full...but... in PDC.
Just wanted to ask you guys if taking the amount in PDC is a good idea or not? I personally don't believe those cheques will be good for it. What other options are available?
TLDR , company delays final settlement and cancellation papers and my lil bro is on the brink of accepting PDC cheques, is it a good idea?
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2020.09.14 07:03 JcpuddlesF3 Job offer too good?

Airing on the side of caution. My wife applied to a job on 9/11/2020. The company website seems legitimate, although per WHOIS lookup, it was created 9/8/2020. Their website claims the company was founded in 2007. There was no phone call or follow up from her application. Company phone number area code is about an hour away from us. She answered interview questions within the application. She received this email:
[company name removed] is pleased to offer you the position of Account Clerk. Your skills and experience will be an ideal fit for our accounting department. This is a remote work from home where all duties are performed from home. The starting salary is $25 per hour and is paid on a weekly basis via Direct deposit or Paycheck. Working hours are 15 to 30 hours a week, hours are flexible and you can choose to work any time of your choice from the hours of 8am to 9pm. If there is any extra time done on Oral or Physical work they will also apply to your working hours.
Start date: 9/14/2020.
Your Job responsibilities will be as followed:
(1) Manage employee salary payment accurately using payroll software
(2) Collect and verify timekeeping information for all employees
(3) Calculate pay according to hours worked incorporating leaves and overtime
(4) Sort and verifies bank transactions online with bank customer service.
(5) Issues statements and invoices and maintain records
(6) Cash management process; Ensuring that customers are paid within terms and cash-flow constraints.
(7) Prepare and submit reports with payroll information to supervisor
(8) Bookkeeping and general accounting
You will be provided with office equipment which will be sent to you by the shipping agent. This includes, Hp Laptop, Mini office printer, and some other Software for accuracy, Speed of data processing, Time Monitoring and Effectiveness. Details on the Uses and delivery of these equipment will be provided to you soon.
A week up-front advance payment of ($150) will be sent to you just to motivate new workers towards commencement of work. It will also include ($1,800) for petty cash to purchase stationary and other office supply as may be required to work according to instructions just to know how good you're at disbursement of your job responsibilities. Total amount on the cheque is ($1,950).
As an employee of [company name removed], you will be eligible for family medical coverage which will be provided through our company's employee benefit plan. Dental and optical insurance are also available. [company name removed] offers a flexible paid time-off plan which includes personal, and sick leave. Eligibility for the company retirement plan begins 90 days after your start date.
  1. Your future increment or promotion or any other salary increase shall be based on merit considering your periodic and consistent overall performance.
  2. If at any time during your appointment with the company, information furnished by you in application form regarding your credentials, if found incorrect or not true you will be liable for termination without any compensation.
  3. While we look forward to a long and profitable relationship, you will be an at will employee of the Employer, which means the employment relationship can be terminated by either of us during the 90 days probationary period and this may be due to poor performances from the employee.
  4. The Employee will at all times be faithfully, industriously, and to the best of their skills, experience and talents, perform all of the duties required of the position. In carrying out these duties and responsibilities, the Employee shall comply with all Employer policies, procedures, rules, and regulations, both written and oral, as are announced by the Employer from time to time.
  5. It is understood and agreed that the first 90 days of employment shall constitute a probationary period. During this probationary period, the Employee is not eligible for paid time off or other benefits, but note that this period can be shorter depending on the employees devotion and dedication to the position of which you are assigned to by the company.
When your acknowledgement to this mail is received, more information and access to the database would be made available to you by the supervisor that will be attached to you.
Welcome aboard! If you have questions about anything prior to your first day, don’t hesitate to reach out: [email removed]
Your Signature....................................
Yours sincerely,
John A. Brown. Executive HM
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2020.09.13 16:05 Skagarak Personal Finance Advice

Hello Personal Finance Canada! First time poster here seeking some advice on how to best position my investments for growth but also to avoid needless "frictions" like fees, etc, with regard to accounts, TFSAs and RRSPs. Any general advice is appreciated too - I'm fairly new to this. About me: 38 y/o, living in Toronto. Salary $125K and stable. Living with my fiance who makes $60K, but much of her income is devoted to paying down student debt so she's not much of a financial factor either way. We are looking at 2 kids in the next 2-3 years. Here are my major assets/liabilities:
- Home. I bought a co-op 10 years ago which I assess as being worth about $650k today. Remaining mortgage is $160K at prime -0.65 at TD (variable). In the medium term, I intend to refinance and use equity from the home as down payment on a family home while I retain the co-op as investment property.
- HISA. Just opened one of these at EQ based on sidebar advice. Will be putting money in this steadily until I hit 3-6 months of expenses.
- RRSP. $160K in mutual funds (Can and US equities, some tech) at TD. Should I look to move this?
- TFSA. $60K in equity growth portfolio at Tangerine. I had to draw this down for an emergency so it's my most aggressive cash-sink right now until I max it out.
- Chequing. $5K at TD (maintained so I can have a fee-free cash-back VISA).
- Pension. Government pension (defined benefit) from my work, with a currently assessed transfer value of $700K.
- HELOC. $35K owing, locked in at a 3% interest rate at TD. Paying off gradually.
Any thoughts on what I can be doing better or different? Thanks!
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2020.09.11 18:00 AlexGString Proof of funds for the family of 2 in Canada?

Hi, We've been in Canada for 2 years now, I'm a full time employed and my wife is PhD student with a salary So I'm submitting my application for PR I and wife have around $4.5k*2 total around $8k in our chequing here: it says we should have 16 total! we don't have that much but we're really OK financially and don't need any money steady salaries and everything is being paid for (we have 5 credit cards total $12k) My question is that are they going to fail us because we don't have 16k in our chequing accounts? I'm working in Canada for 2 years now, do I have to loan money from someplace for this? Does anyone have any experience with this? do I loan the money and then give them proof of funds or I just show what I have now which is below $16?
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2020.09.09 15:50 acheremak Marriage and Money

Let me set the stage in brief. I am married 8 years, together 12, we have 2 kids, we are both full time workers. We have very close to the same salary, he being the breadwinner slightly. We have joint bank accounts and our own accounts. I have been working in pandemic response and making some overtime. With that money, I transfer it directly into an account for use as a family. He complains about money all the time so I often buy kids clothes, toys, home decor with my personal money. Last week his parents hands him a $10,000 cheque. This has never happened before in our relationship. We had plans in place to buy a car so we both pulled some money out of our life insurance policies in order to do so. When we receive this cheque, he says that he will put it towards the vehicle (instead of his life insurance money) and is now referring to it as his money and his gift. When I suggested he spend some of his life insurance money as well his reply was “so you expect me to contribute $17,000?”
Since then he said we can put some of the money to new furniture (we just moved) and has taken a bit of a different stance but still calls it his gift. I’m offended and hurt because i would have taken that money and used it as a family and treated him as part of that. Am I over reacting or should I be offended. Please help.
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2020.09.09 04:26 MYOBdans Baby on the way and worried about moving forward and feelings of envy with him (M33) and myself (F31)

Just a bit of background on us.
My husband is my favorite person in the whole world. He’s caring, sweet, ambitious and funny as all hell. He works three days a week for a corporation to subsidize his income, and the other two days he’s been building up is freelance client base, getting a bit of paid work, and this has been happening for about 4 years. He hates his ‘day’ job with an absolute passion, however has stuck it out to bring in a definite income and because the options for part-time work in his field is limited (he has been casually looking for the full 4 years)

I’ve been working at the same company for just under 12 years. This is full time, recently completed a degree which has had me go into a different branch of the company. I am finding this new role extremely challenging, still finding my feet, and don’t think that the payoff/rewarding feeling is going to come for quite a while, at this point I’m pretty dejected and not really enjoying my job but can see the future turning around.

We've been together for a total of 8 years (married for 2). Financially we are extremely compatible. We both aren’t spenders. We’re comfortable, we saved and bought a house years ago, and since then saved and saved more and now have a really nice cushion. We have a joint fund where we deposit most of our pay cheques, and our own accounts where we keep the balance and do what we want with.

We have a baby on the way, very much planned, and our financial situation is going to change. I bring in about 65-70% of the income into our joint account (depending on what his freelance is doing) but with my maternity leave I will be on minimum wage (government paid) for a period, then using some savings, and also using my long service leave (which will be paid at my full salary) to get a good 9 months of work off. We have discussed this, planned this, it was always known but now I’m not sure if it’s the reality of the situation, hormones, or what it is but I have had pangs of resentment.

100% of the time prior to getting pregnant I have been supportive of my husband growing his side business. I knew he was miserable at his job, I could see him working towards a goal, and we were comfortable so I considered ourselves lucky that he was able to have those two days a week. I liked my job. Everything was good.

Now, I still feel this way 90% of the time, and I hate saying this because I don’t want to be put women back by perpetuating a stereotype, but 10% of the time I just feel like I want to be looked after. Due to Covid, his side business hasn’t bought in any money since March, and I know that’s not his fault, logically – but I’m realizing that our lives are going to change so much because being the main income earner not being able to bring in what I was.

On his two days a week off, he’s still doing stuff that is directly related to his business and working on his skill set, but he’s able to go for walks, go for lunch with friends, wear track pants if he wants. It doesn’t help that the new position is not what I thought it would be.

I’ll find myself getting mad and now with a baby on the way wishing he would just get a full time job, wondering how long are we going to work towards his dreams, thinking am I going to be the one that can take a step back from working? I will have to go back to work again, and whilst really driven and motivated in my career I’ve always wanted to be a mum so I worry that I will be resentful when I have to go back that I can’t take that extra time because he’s only working 3 days a week.

This has popped into my head twice since finding out we were pregnant 4 months ago so it definitely doesn’t overwhelm my thoughts, and most of the time I still support my husbands dreams and am happy for him, and realize this is a very fortunate problem to have and find myself scolding myself for not just being happy with what we have. I just don’t know how to work through these thoughts. I haven’t voiced them too him because I’m not sure if I should, I really don’t want to dampen his drive and what he’s been working towards for such a long time. We usually tell each other everything but I don’t think I even really want him working full time anyway because we always planned that those days at home are days we won’t have to utilize day care so it’s good in the end, so I’m just nagging for no reason. I'm sure hormones aren't helping because I felt rotten for the first trimester, and I'm not feeling great about how bloated and yuck I'm feeling on top of everything too. I have always had to work, pay my university fees, moved out the second I turned 18, and his background is the opposite (great family, lived at home for a while, uni paid for) so sometimes I’m just tired and wish I could work three days a week. Take some time. Did anyone else have go through something like this, or have any ideas of what I can do with these feelings. I love my husband so much

tl;dr my husband works three days a week and works on his freelance business for two days a week, I work full time and bring in majority of the money. With a baby on the way, maternity leave, our financial situation is going to change dramatically and worry that I am becoming envious of his lifestyle
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2020.09.07 04:38 500scnds [Table] My name is Paolo Cattaneo. 5 years ago I quit my job, sold everything I had and embarked in a trip around the world on a motorcycle. Rode for almost 185000 km. Still going! Here to answer question about self sustained living on the road and long distance solo travelling. AmA! (pt 1)

Source Guestbook
Questions Answers
How much does this lifestyle cost you on average? Obviously it will vary by location Since the most asked question will be probably this one, I decided to break it down mathematically so, hopefully, it would be more transparent for everybody.
I don't think I could summarize with an average how much I spent per month, since the delta from month to month was absolutely unpredictable. But somehow everybody seems to love maths so... There you go.
A couple of things first: 1) different countries have different cost for food, accommodation, fuel and spare parts so to make an average, it s actually quite hard. For instance, a country like Peru cannot be compared in terms of costs with a country like the Netherlands in all terms. 2) when I travel, I am not on vacation. Just because I visit places and don't work, doesn't mean I can afford things like people that go on vacation for 2 weeks. People on holidays usually maintain the same level of comfort they have at home, or even improve it, righteously spoiling themselves, for the few days they have off in a year. I do the exact opposite. I spoil myself by not having to go to work.
Hence, there are 3 major costs in travelling on a motorcycles are: 1) fuel and bike parts (tyres, oil, filters, etc) 2) accommodation 3) food
These are also in order of importance. Fuel and bike maintenance guarantees the continuity of the journey so, those have the absolute priority. Where I sleep or what I eat, do not matter much. I will survive whatever I eat and wherever I sleep. It's incredible what our body can do end endure.
After a year of travelling I found out that, because my life and routine changed completely, I didn't need 3 meals a day anymore. Removing 1 meal a day allowed me to save a lot of money in the long run. It is a sacrifice but it is doable and It is super practical. I also found fasting good for the mind.
Sleeping arrangements could also affect greatly on your expenditures so, depending on countries and weather conditions, I usually opt to sleep in my tent or in hostels. Sometimes I do couchsurfing or stay at other motorcyclists houses, friends, friends of friends, etc. I ve also slept at complete strangers houses that i met on the road and that were reaching out simply to help. It s unbelievable how many people, just want to give you a hand. It s impossible to explain it. You have to see it yourself to believe it.
The cheap hostel in Peru would cost $5-6 a night, while in the USA $25.
In this sense, I estimated an average of 10 USD a night for accommodation for and average of 20 days per month. Again, It is a rough estimate. Let s say the other 10 days I sleep at people's houses, or in my tent or couchsurfing (so at no cost). Foodwise I usually drink a coffee (I carry my own little Italian coffee machine) in the am, with a piece of bread or instant oatmeal. Then I ride the whole day and reach my destination at 4-5 pm. I then eat. I mostly eat vegetarian but i occasionally have meat. I mostly shop at cheap supermarkets or local markets. Vegetables are cheap and nutritious and available all over the world. And so is pasta and rice. This whole thing costs me let s say 10 USD a day.
So for Food and Accommodation I roughly spend 500 USD. Then there's fuel. Fuel costs can vary from country to country but, for the sake of it, let s put fuel price at 1.2 USD a liter (4.5 USD a gallon). My bike in standard riding conditions does 20km per liter of fuel. In 5 years I rode 180000 km. That's 36000 a year. That s 3000 a month. So 3000/20 = 150 liters. 150 x 1.2 = 180 USD
The grand total is 500+180= 680USD per month Let s put 100 USD in for extras and whatever. It's 780 USD a month, if you will. But trust me when I say that I think I spend less than that.
There you go.
the below is a reply to the above
What is your coffee maker? Moka pot i'm guessing? I have a little Bialetti coffee machine, yes. :)
the below is a reply to the above
Yeah, that confirms you are really Italian. So is my SO, and when we are traveling, she will start complaining about the bad coffee by the time we get to the airport 😄 I am Italian...but I'm also passed that point of complaining about food all the time! I learned to enjoy my meal...regardless. :)
another coffee reply
Any tips for the Bialetti? A neighbor gave me one and I used it with Café Bustelo and it was crazy stong, albeit not too bad. Use less coffee ground! 😅
the below is another reply to the original answer
If you saved 40k, are you down to very little money now? I'm just thinking it's been 5 years, and I imagine you've had some unexpected expenses that would have your average end up being relatively accurate on aggregate, even if you typically spend less in a month. At $700 per month, you would be out of money. And even just the plane tickets from Australia to starting point and from somewhere to Greece where you say you were during Covid is a couple months of your budget I'd imagine. Yes, i had some unforeseen expenses. But luckily I also had a lot of help from people giving me shelter and food. In that sense I didn't spend all my money in food and accommodation but for the sake of average expenses I had to calculate it that way. In greece i found a job as volunteer in exchange of accommodation. That saved me 3 months of rent. Things like this cannot be included in average. I simply did the math to make people understand how much would it cost if life on the road would be without variables. There are too many to be considered.
the below is another reply to the original answer
Even if it's only 600 at month, you have been riding around for how long? It seems hard to think you saved so much and you are still using the money you saved. Is anyone helping you financially? I swear...i am using my money. 😅👍 It s hard to imagine how cheap it is to live frugally...if you renounce to most comforts we have in life. But I wouldn't mind now to have a benefactor(s) and sleep in a comfy bed or have a nice meal for a change.
Does it not worry you how you might have exhausted your financial resources by the time you want to return? What do you think life after this would be like? I hope I don't sound rude; just trying to understand how you are managing your life. What you are doing is absolutely amazing; I'd love to travel too but I am not rich either, and the thought of ending up penniless by the time I am 30 terrifies me. Hey, it's a completely plausible question and I am happy to answer that. Quitting your job, your financial stability, selling everything you have, saying goodbye to everybody and ride is a "liberating" experience. In this sense, all the fears you mentioned are gone or somehow abandoned, the moment you decide to go for it! I have no fear of what lies in front of me because the mental step that I took years ago, required me to go beyond exactly this mental gap of "jumping into the unknown". Financially speaking, yeah, i don't like to have no money aside...but also, I know that I will do something about it (like finding a new stimulating gig) when the time comes. When I found myself locked in Greece during the pandemic, I couldn't really foresee what would have happened in the next months. Surely paying rent for months and being confined in an apartment wasn't ideal so I looked for volunteering jobs. Found one that allowed me to stay in an apartment for free in exchange of 3 hours of work per day. My point is that, adaptation is a key skill that I got to develop thanks to this experience on a motorcycle. I will take care of the my retirement plan, when time comes.
the below is a reply to the above
Thanks for the answer. That's a wonderful perspective. I guess your anxiety lessens once you realize how capable you are of adapting to different situations, which I'm sure you must have had to do a bunch of times since you started. You are amazing, thanks for the inspiration :) It's incredible how inclined we are to adapt, If we simply...TRY ! I never thought I would be able to do a lot of things I am doing today. I just gave it a try...failed...and tried again. I did learn, by simply trying. And I'm clearly not the sharpest tool in the shed.
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I feel like you cloud start vlogging your journeys, and form a Patreon to fund it. You've seen lots of fun things, and will see more. Yes. At the beginnings I started blogging but then I realized that it would have turned my trip into a job i left the monetization of my journey aside. I just quit my job to travel and enjoy my life. Didn't want to think about money again! Patreon seem good but I haven't really found the guts to ask money to people...yet. When I ll be in need maybe i will!
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In no way am I trying to attack you or diminish your extraordinary feat; just the fact that you had the courage to take the first step gives me crazy respect for you. BUT. There is so much privilege needed to get to where you have gotten. Not financial privilege mind you, you've worked your arse off to get here. But the fact that you could somehow travel to and stay in the US (for 3 years!) and then Australia without really thinking twice tells me your white skin and European passport has played a huge role in your mental safety net. As a coloured man with a shitty passport, just getting a visa to fly somewhere would be a huge fucking deal. Add to that the racism I'd face in plenty of places around the world, yeah not happening haha. You are absolutely right, my friend. I do understand that the fact that I am white and that I have an EU passport helped me A LOT. I am absolutely aware of this and I am not so naive to think that most of the times I got away with many things because of this. Coming from other countries or being a different colour could unfortunately still play a role, these days, when moving from country to country. Said this, I got denied my entrance to USA few times anyway. They are quite strict in that sense. But it always depends on the customs officer you find at the time of entry. Anyway. I get your point. Although, it's not a definite factor for your will to travel. You can still do it.
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I love everything you're doing and have spent the last hour just reading your answers. I don't think you're answering anymore but... Do you have any plans of coming to India? I hope I get to meet you if you do come. Hey! Of course i have plans for India! Hopefully the covid will end soon! It all depends on that now
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You can write blogs, and make YouTube videos to sustain your adventures! I am sure many of us would like to see your journey. I got few videos on youtube but i never really invested too much time (clearly) in that. Maybe I should
I always hear about people "giving up everything" and traveling the world. However, most people have worries about their economic status. Can you speak to yours at the point when you embarked? How much money had you saved, did you have any debt, what did you do with your belongings (Were there things you stored somewhere because you did want to sell or get rid of them? Did you pay for storage?), did you create a plan to generate additional income (e.g., plans for side jobs while traveling), and have you thought how to re-integrate into the "working world" when your traveling concludes (or are you hoping YouTube, etc. supports you)? Thanks! So, I started saving money when I moved to Australia. In 5 years I rounded up $40k more or less. I had no debts and, regardless the bank offering me "super interesting" offers about Credit Cards or Mortgages to buy properties, I didn't end up getting in debts with any banks. I also avoided kids and wives. I was renting an apartment and sharing it with a friend. When I decided to leave I sold all my furnitures on Gumtree (local Craigslist) and donated all my clothes to Salvation Army (Goodwill). I had no belongings left except what I piled on the bike when I left. And few months in I also realized that I didn't even need some stuff that I brought along. I did quit my job with no plans to work while travelling. I wanted, for the first time in my life, have a moment to simply ENJOY THE MOMENT without thinking about work and life as I knew it. I wanted to experience freedom, without the burden of thinking about my future constantly and what's going to happen next. I was raised with this mental construct too, so to break free from that was indeed liberating. I do not know how is going to be when this part of my life ends. If I have to go back to work, I will. But with a different heart and mind.
How did you manage it, physically? I find that my legs, back, bottom and body ache after just a few hours of riding (3+ hours), and this gets worse and worse over time (6+ hours, etc). Even on a comfortable touring motorcycle, I can’t imagine riding continuously for weeks or months at a time. Yes. Physically was challenging indeed. I had to replace my seat because the was no more foam inside. It was like sitting on a stool. Back and arse are the worst affected areas. I rode with a bit of a windscreen, so that helped to ease some of the neck pain. Luckily I had some physical conditioning to start with, but eventually I got out of shape. But, like everything in life, we eventually get used to it.
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How many hours do you ride a day? It really depends. When I do ride, let's say that is a minimum of 1 and a half to 13 hours.
Could you maybe do a "what's in my bag"-post, show us the gear, tools and clothing you use and talk a bit about why you chose what? Ok.
Pannier 1 Camping Gear: - Sleeping bag - Air mattress - 3 people tent (I'm a tall guy) - $20 cooking pot set - propane gas tank - pocket knife - foldable chair - water bladder
Pannier 2 Electronics and knick knacks: - 11" laptop - 2 hard drives (backup!!!) - Chargers - portable tyre compressor - spare oil filter - spare front tube - cable ties - duct tape - bungee cords - first aid kit - spare bolts and screws
Tool bag - various moto tools
Duffle bag: - Clothes (various)
Tank Bag: - Drone - Toothbrush - Notepad - Small Lock - Pen
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Did you have any problems with the drone? I remember you told me once on instagram that you planned on visiting Azerbaijan but couldn’t because Azerbaijan closed all the borders. Let me warn you that if you decide to come when borders reopen, know that drones are illegal here. Retarded law I know but you really cannot do anything about it because it is highly enforced. Probably you can give it up in customs and pick it up when you leave Nicaragua is the same. They don't allow drones in their country. I had to send it to costa rica via mail.
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Traveling without a Leatherman. I can't believe it. It s listed. "Pocked knife" ;) You are right...i should have said Leatherman
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What drone do you have? DJI mavic Air.
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I have a CB600F I've fitted panniers to and can't fathom how you got all that camping stuff into one pannier, your packing skills must be sick I got some pretty roomy panniers too. Giant Loop is actually a company from Oregon, USA that makes these spectacular bags. I ve been riding with their products for years now.
Well nobody has asked it yet.. How did you self sustain yourself for so long? I understand everything is cheaper in South America but you also went through North America. In north America, specifically in USA, I had some friends that helped me finding accommodation along the way. I also wild camped a lot. Froze my arse up couple of nights too... But It's doable in Canada and USA since the land is so vast and you can always find a place to pitch your tent in safety.
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See my trouble always begins when I pitch a tent I used to be the same, mate!
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Maybe I'm just jaded but I don't know of anywhere you can just pitch a tent and sleep in the woods. Everywhere I've ever been camping there's an 80 dollar fee and you get a designated campground. Download iOverlander.
Hi, sorry if this is a personal question, but how often did you get laid? Do cultural differences play a role? Personal question, but interesting nonetheless. Thanks for asking "sensibly".
When travelling from town to town it's easy to meet people. The common Idea is that travellers get laid a lot. Unfortunately, in my case, I do not go out much when I travel, so my social encounters are limited to the location where I end up spending the night. I also typically stay not longer than a day or two, which is also usually not enough to create a connection with a potential partner (in my case). A lot of women are indeed attracted by the "solitary wolf" riding a motorcycle around the world, but they are not generally inclined to have a one night experience. Hence, the answer to your question, is that I rarely get laid. Cultural differences are what make mating interesting though. One trait that is standard for your part of the world, could be extremely exotic in another. Sometimes even the accent in which you speak a foreign language, could be a favourable factor.
But at the end, beauty is in the eyes of the beholder.
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Dai ammettilo che l'accento italiano aiuta. Storia interessante la tua. Ti auguro il meglio! Sorry guys.. Italian things going on here ( shakes hands in the air ) Un pochino aiuta! ;) cheers!
How did you deal with language barriers? In all latin america the most spoken language is Spanish. I struggled at the beginning but after the first month, I had a decent basic level that allowed me to communicate quite easily with the locals. In Brazil was hard again, since portuguese was completely new for me. But again, after 1 month I got used to it and I was able to have basic conversations. If you give yourself enough time, you'll pick up any language.
In other situations I used my english or sometimes, like recently in Greece, Google Translate. Works beautifully!
Is it true that Italian and Spanish go hand in hand? I had some friends from Mexico who were confident that they could pick up Italian if they lived in Italy and were forced to use it every day for a month or 2. There are different and discordant opinions about this. I personally believe that Italian and Spanish are VEEEEERY similar. I think that any spanish speaker could easily pick on italian if spending some time in the country. And viceversa. But I also met people that thought otherwise. Not sure why. It wasn't too complex for me to pick up spanish. Definitely not perfect, but way better than a native english speaker.
What was the coolest thing you saw? Hard to pinpoint one single thing. Saw so many incredible things in 5 years! Nature always strucks me the most. Some places leave you speechless. Some encounters too. But the coolest experience for me was to swim with marine wildlife in Australia and Ecuador.
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Hey I from Ecuador! Glad you enjoyed the wildlife. Can you elaborate on your experience there? Did you visit the Galapagos islands? Ecuador is hands down my favorite country...for its people, for nature, for food, roads...i mean, i had a fantastic time there. I also visited Galapagos and It was one of the highlights...of my life!! I simply incredible. If there was ever a place on earth close to Jurassic Park...
How does your license work? I mean if you have a drivers license in one country and you drive through multiple countries. What happens if you get pulled over? Having European or Australian driver license is sufficient to drive in most foreign countries. I do have an International Driver License, which is simply a piece of paper you can request from your local Automobile Club, that translates your license in many languages and which is helpful when finding an "scrutinous" policeman. At the borders they never check your driving license.
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What about the motorbike's papers? Did you need a carnet de passage ? And could you tell us about the shipping of the bike, plane or boat, expense, level of organisation needed? For the americas, you don't need CdP. The shipping of bike could be done by cargo ship or plane. Both are not cheap but quite feasible. There are agencies that usually take care of the paperwork for you. A simple google search could help you pinpoint some good info. Unfortunately because rules and prices change from country to country, prices have to be requested to the company you choose. It is usually around $1500 + to ship a motorcycle indicatively...for both sea or air freight.
Can you speak on your base knowledge of bikes at the start of your travels? I'm interested in purchasing a bike to cruise around America in once (if) this pandemic blows over. Did you ever have to do any emergency DIY work when you couldnt make it to a garage for professuonal repairs? First of all: DO IT!! it's an amazing experience. I had basic/zero motorcycle mechanical skills when I started. I often used youtube as a source of "inspiration". Now I rather do the job myself than taking my bike into a shop. If you are going to cruise around the US, you wont need to carry much spares, since you can buy and have most parts shipped wherever you are. Somehow even breaking down, if happens, is a great part of the overall adventure.
[deleted] I am not sure. Yet. Definitely the more I go on with this adventure (and life) the more I become aware of myself and my surroundings. I am looking forward to have somehow a peaceful life in harmony with my surroundings. Stress has been out of my life for a while now and I want to keep it this way. Don't have a family. Never had kids or wives. I think it's going to stay this way...but you never know.
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You've been doing this 5 years now. Do you feel the need to keep moving after you've been somewhere for a few days? How long is the longest you've been stationary since staring and did you ever feel like you wanted to get off the road for a longer time. Well...yes I always feel the need to see something more and explore. I get bored easily. But I have to say that during my Lockdown in Greece I was absolutely at peace. I really enjoyed my down time and i took advantage of it by taking care of many little things i left behind.
Did you tend to keep to yourself most of the time, or would you go out to meet people and socialize with the locals in the area? I am not really a "social beast" anymore. I socialize in hostels and when I look for food mostly...but I don't go out at night. That is quite personal, but I prefer a quiet night than pubs. This allowed me somehow to save a lot of money in the long run. I may have missed out in "social opportunities", but I prefer this way.
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But you did meet a lot of people right? Im not social at all and it keeps me from traveling, im afraid that it would ruin the experience if I dont click with anyone haha. You gave me some confidence this will be a smaller problem than I think it is. I am an introvert and generally speaking, kind of a geek. So yeah...not really the outgoing kind of guy...but, when travelling alone, you don't have that social pressure anymore. You are by yourself and there's nothing to tell you what you have or not have to do. you are free. And will meet tons of people!!
Where do you stay at (camping, airbnb, rental, etc) ? Where you get money from? What do you usually carry with you? What is you most essential item? Have you made many friends? I mostly stay in Hostels (when is cheap enough). In latin America, you can pay from $5-$10 for a night in a shared dorm. When in remote areas, I camp. Best thing ever. Otherwise I use Couchsurfing. Occasionally I stay with friends and/or other bikers that got to know my story and want to help out. I live off my own savings. Most essential Item is "Common sense". AKA try not to do extremely stupid things. :)
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How far do you usually have to plan ahead to find couchsurfing accommodations? The one thing that has deterred me from trying it out is that my motorcycle trips almost never stick to the schedule I have planned. Either due to unforeseen circumstances or maybe just deciding to ride around an area longer. Have you given people on CS a range of dates/times that you would arrive, or do you have to have your arrivals planned thoroughly? Yes, you usually have to investigate one or two weeks ahead to find accommodation with couchsurfing. Especially because I am a single guy. If i was a girl, i could find somewhere to sleep in few hours. Ahah. Oh well, women are less threatening i guess! ;) But yeah. You do need to check first and give a rough estimate of days of your permanence. Typically 2-3 days is the max. Then if both parties are ok, you can extend.
Have you ever done any housesitting for accommodation? I've done smaller trips like this, staying in hostels and campsites. I've heard of housesitting more recently and once I go again I'm thinking of trying it out. When looking at listings though it almost seems to good to be true. I just wonder if there is a catch to it I ve never done housesitting specifically. But I ve used HelpX, Workaway, woofing, etc to find occasional gigs that allowed me to get accommodation in return of small jobs. In Greece i stayed in a 9 apts complex on the beach by myself, in exchange of cleaning and painting! Great deal indeed
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If you were a woman, there would also be far more risks to couch surfing alone. I'd definitely prefer planning over higher risk of sexual assault. Women have more chances of getting hosted because there are a lot of women hosts too. Or couples. They are definitely more willing to host a woman. But i get your point
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Thanks, got another question. What is enough savings for a year in Latin America? well, it really depends of what kind of lifestyle you want. If you are ok sleeping in hostels every night and eating cheap market food...doesn't really take much! depending on which countries you want to visit too and how you want to move around! you can do it hitchhiking too if you want! and that won't cost you a thing! Just time!
How did you manage to not have your motorcycle stolen? Common sense. Mostly parked inside or in "safe areas" when possible. You can never be 100% sure but I never had issues of sort in my 5 years of travelling. Actually somebody stole my tool bag in Vancouver, Canada.
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As a Canadian id like to say “sorry”. apologies accepted! ;)
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As a Vancouverite, I'm not surprised. We have a large homeless population and they target anything they can find to steal and sell. It wasn't a homeless guy per se...was definitely a junkie. I went to Hastings street 3 days in a row to see if i could find my stuff...but it was gone. Bummer.
how were the first few months without the things that you were used to having? (sorry for the bad english, it isn't my main language) Your english is fine, mate! First month was HARD! 😅 I had never camped in my life and the longest moto trip I took by that time was only 350km. So yeah, in the beginnings the learning curve was steep! Basic things like "where to sleep at night every night" or "how to store food" were kind of abstract concepts for me. My first night camping was also my first night on the road. It was horrible. I paid so much money to camp in a so so campground, with noisy and drunk neighbors. It also rained at night. Haha An absolute fail! It got better and better with time. Also looking for food, packing and taking care of the bike. It was a full immersion in a brand new lifestyle for me. A great experience indeed
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Paolo, your first night camping sounds ... well, it sounds really terrible! I'm curious how you would compare that first inexperienced night with say... an average night camping somewhere, anywhere, I don't know... say 2-4 years later after having done it for a while. In which ways did that first inexperienced night of camping come to differ from your more seasoned camping night to night later on? What kinds of routines did you end up falling into on those nights that you picked up from years of experience having done it? Well...let's just say that my love for camping escalated quickly as well. I started camping in the wild...not in confined facilities, and I simply loved it. Sitting quietly in front of the fire at night, after a long day riding, watching the stars appear slowly in the sky... The silence. I learned that camping in a busy campsite, with kids screaming and music playing is not the kind of camping I was looking for. Surely is great for families, because usually it is a safe environment for kids to play in, but for solo travellers looking for some quiet is not. Better to hide somewhere behind a tree or some bushes and have a quiet night with some privacy. Free of charge.
How badly do you stink? Joking of course, good luck with your adventures. If a tree falls in a forest and no one is around to hear it, does it make a sound? ;)
Not to be nosey but what would qualify as enough money to "sustain yourself for a while"? And how long do you consider that "a while" to be? I had no Idea how much It would cost me to live, travel and not work, since I had never done it before. But I knew how much It costed me to live in Sydney for a year, without any extras (just food, accommodation, rent and bills). I assumed initially that my trip around the world would have lasted a maximum of 1 year and a half. Was I wrong! I pretty much had saved $40k in 5 years of work.
Thanks for doing this! How much do you talk to strangers? I can imagine either being very sociable, or taking the opportunity to be more solitary. Also, when you were traveling the world, how specifically did you keep in contact with friends and family back home? Was one service/approach more effective than another? I love to talk with Locals!! It's the best thing! I love to talk with older people especially. They can really give you a better perspective about the place and overall more interesting stories about their lives. Sometimes there's a language barrier but I try regardless. Hostels are also a great place to meet friends and people from all over the world. Aside from this, travelling solo on a motorcycle or bicycle naturally attracts curiosity, so I also met some good friends of mine at gas stations or random rest areas in the middle of nowhere.
To keep in touch with family and friends nowadays is quite easy. Mobile data networks are excellent worldwide and you can buy local sim cards to use local carriers data traffic. I use whatsapp and fb messenger the most.
What kind of income are you receiving to sustain this lifestyle long-term? Living off my life savings. I am self supported. Just worked for few years, saving as much as I could and then took off.
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That sounds epic... Met a few guys like that, but never had the balls to do so myself. If you read this: how much of a mechanic are you? Do you do stuff yourself of do you bring your bike to the shop for maintenance/tires? At the beginning I wasn't really able to do much on my bike, except changing brake pads maybe. Then I tried and read forums online about troubleshooting...and of course youtube mate!! I tend to have a mechanic change my tyres, since it's a hell of a job and takes 4 minutes with proper machines. you can find tyre mechanics literally EVERYWHERE.
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But, with the estimate you gave it would cost like 9k usd per year to maintain that lifestyle. You’ve been doing it for 5 years. I guess it’s hard for a lot of Americans to imagine saving up 45k+ in the few years that you worked. trust me, It's even harder for an italian to conceive to save up 40k in 5 years of work. Most italians will be able to save that amount maybe in 10-15 years. That's why I quit my job in italy and moved to Australia, where salaries are way higher. It's just sad that I had to leave my family, friends and country to be able to have a better life.
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Why dont you try to register for welfare in Australia, and get the welfare cheques deposited into your account? I thought about it while riding around Australia. But I didn't find it fair. I mean, I wasn't in need of cash to sustain my living and there were probably people who seriously did. Plus I think you have to show up for interviews and I preferred to let go.
OP, you're doing what I've dreamed of doing since I was about 21... I'm 32 now. I've saved a bit of money, and have no debt, and am still considering it... but feel as though it would be irresponsible at this point? shrugs I have a few questions, Ever considered staying at a spot for a few weeks and doing some manual labor for extra scratch to help you along in your travels? Ever had any problem with weird parasites in some of your rougher spots (scabies, bedbugs, intestinal issues) such as cheap hostels and whatnot? Since you don't go to bars or anything like that, what's the easiest way for you to meet new people? Ever felt any "I'm about to get robbed" vibes while on the road? Did you make rules like not traveling too late, etc.. I'm considering doing this very thing, since I make a good living but am already a minimalist and don't really need anything... I don't care about owning a house, or having nice clothes or any of that nonsense. I suppose it'd just be a drag to hit a dead end, have to return to the workforce after a few years of traveling and finding myself unable to secure a decent gig again. Anyways, if you've read this, thanks for your time and thanks for doing this AMA! Good luck man, and stay safe. Mate, when I left for my first trip around Australia, I was I completely understand where you are coming from. It take a bit of time to prepare and commit to this. I highly recommend it though. I stopped occasionally and did some jobs, yes, but were more like small temporary gigs...that paid maybe for a new set of tyres than anything. Still! Once I pressured washed mine trucks for a week in South Australia. Haha i was covered in mudd but I was happy. I also cleaned few apartments in greece in exchange of accommodation....things like that. Things will come your way if you look hard enough.
Didn't have any problems with bugs or parasites no. Got lucky on this one i guess. But i do believe I built my immune system pretty well.
The easiest way to meet people is in hostels. Being in your 30s you are already on the "old side" for a hostel, but you are still ok. ;) haha
Sometimes yes i felt i was going to get robbed or mugged...but never happened. I never travel with cameras and other expensive items with me. When i am on the bike, there s always the "surprise effect", meaning that people are more shocked to see somebody travelling solo than tempted to rob him right away.
How has the pandemic altered any future travel plans? The pandemic changed things quite drastically. A lot of other travellers I know got stuck somewhere or had to cancel their plans until further notice. Still not sure what to do in the long terms. Covid definitely made everything more unpredictable.
What are the cheapest and best places you would suggest a young person go visit? Also, just out of curiosity, when do you think you’ll stop? Well, there are plenty of great places to go explore on a tight budget. Latin America and South East Asia are generally speaking quite cheap. I would recommend Bolivia or Peru, in SA...and Cambodia in SEA. As a start...
I Hope I will be able to go on for few more years...but so far I am pretty content with what I've done already.
How do you overcomevia issues? I believe you referred to "Visa issues"?!
Well, having an Italian passport is quite handy since you get visa on arrival (valid for 1-3 months) as a tourist in most of the countries in the world. I had to request and pay for my Russian and Mongolian visa though. You can request that 1-2 weeks before entry in any available Embassy.
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And what about other practical stuff like insurance for the motorcycle(is it allowed to be abroad for such a long time ?) ? Maybe obligatory x-yearly technical vehicle inspections (so far not needed in a lot of european countries but about to change so you were lucky I guess) ? Official site of residence (or what is it called, it is really hard to be 'homeless' in some countries, probably depends on what your current 'home country' is ) ? Ok so, insurance for motorcycle is something you need to get every time you enter a new country. Some insurance companies will insure foreign vehicles, but it isn't always the case. My bike is australian so after a certain point you need to inspect the vehicle to renew the registration. There is a process through which you can go to an associated mechanic in the country where you are and have the vehicle inspected and the results sent to the Australian motorvehicle authority. Then you can renew your papers online and have the new registration sent to you overseas. My official country of residence is still Australia, because it is where I want to go back to.
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Thanks for the response. I can imagine it is not the most interesting thing to talk about but I am planning on doing something similar with a van + motorcycle (that fits in the van) combo so I am super interested in hearing about the (boring) administrative side of someone who is actually doing it :D. I had no idea something was possible like the remote inspection, I hope something similar exists in my country too. So far I only read you have to go to inspection asap when returning to your country if you were abroad. But I can imagine that is not going to fly if you plan on being away for a very long time though :P. Also: did you happen to keep a list of insurance companies that were willing to do it ? In that sense things change rapidly and new and better companies may arise. Better check with locals or use iOverlander app to find these kind of info.
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2020.09.06 20:13 pylancer I am 24M graduated in Software Engineering last year, fucked up, broken and hopeless.

Laying in the patient's attendant bed in the hospital, out of depression and hopelessness writing this. Please note that I am not US resident so don't expect my English to be sound and those are the approximate monetary conversions to USD.
I graduated in mid 2019 in Software Engineering. Immediately joined the group of friends to create a software development startup(we agreed that everyone will be a stake holder and their Upwork and fiver profiles will also be built), recieved my first pay of about 230$. Everything was so good. In the second month we decided to expand(to get a place on rent and setup a room with proper chairs and table) so no one took the earnings and after the wait of 3 months(after setting everything up) I got my share of about 70$. 1 of our friend was incharge of all the calculations. So we let him do his work and focused on our part. We were getting projects from his Upwork profile. Gradually, towards the end of 2019, he started to think that he is the owner of this startup(what I felt from his actions). By the end of December 2019, I was not being given any real project and was working on those shitty in-house projects(he said, we would eventually sell them) and was not paid more than 130$. I was so exhausted, I shared this with my 2 other colleagues(who happened to be my best friends from university) and started looking for another job. I was sacrificing this(whatever we had built) for a job that I wished would be better than that. Meanwhile, I was conveyed a message from one of our colleague that he(the person who was incharge of management) wants me to quit. By hearing that my face was red and I was like shit. Furious, how could he, I was promised a partnership, I have put everything in it... After that, I kept working there quietly untill I was called for an interview in another city. I went for the interview, had 3 interviews in a row landed the job as a React Native developer. Came back to the city, gave hugs to my colleagues, wished them good luck and left the city with teary eyes in the hope that this decision would turn out good and I won't regret it.
In the mid of march, I joined the company, I was so nervous as I had never worked in a proper professional environment so I was worried about what's coming my way. I was very assured by the HR that your team is the best team she has seen in the company and my team lead was so good. First day went well. The next day, I was assigned a new project and I was on my own. Team leader gave me very tight deadlines. By the moment I saw the timeline, I was dead sure I was no way ending up near that deadlines. Team leader estimated the mobile app UI to be developed in 2 days. I started working with loats of new guidelines. It was so damn pressure to meet the deadlines, mostly I was the first person to enter in the office in the morning, would not take the breaks and would leave the office when everyone has left. I completed the UI in about a week. At the end of my first week, company announced the work from home policy in the wake of Corona virus. So I moved back to my hometown with the laptop that my company provided. During the first week, I sort of made friends with two of my colleagues.
We started working from home and it was the same stress the only difference was that I would take a half time break now. The other thing that work from home policy brought me was the panic attacks during my sleep. It was like my body was sleeping while my mind was kept dreaming about the problem I was stuck in today. I would wake up in the night out of fear. To make it worse, my team leader would not guide me with the problem I had and would tell the other colleagues to not help me. I was like stuck with the problem searching for the solution on stack overflow for hours while that task deadline would have passed hours ago. I started thinking about quitting. And then, one fine day to be exact it was Friday I talked about my condition with the division leader. I asked him to let me go as I was not going to survive that. He told me to get the day off, which I did.
On Monday, I again texted the division leader that I want quit. He said okay, hand over the work and you can quit. I said I would work that day to wrap up the project(project was almost finished). In the evening as I quit(my 23 day's pay was due), I had a mix of feelings, I was happy that there would not be sleepless nights but afraid about how I would manage the living as I have no other job in line and to make it worse Corona was at peak. Anyhow I slept with faith that everything is gonna be alright.
I was contacted by the HR to submit the office laptop and get clearence(company had my original matric certificate and 23 days pay due). I told them as it is a country wide Corona lock down, I can't travel and I would submit the laptop when the lockdown will be lifted. Months passed by, I didn't get any response from recruiters to which I had applied during that period.
About two months later, intercity travel restrictions were lifted and I was thinking to go back to the office to get clearence. My grandfather died. I was out of blue as he was quite healthy even at the age of 87. This time, whatever left in me was broken. I was so ashamed of myself that I could not settle during his lifetime as it was my grandfather's greatest wish. Days passed by, while I would go to the graveyard and would weep while sitting beside the grave, remembering him.
My cousin's had come to my hometown(my grandfather lived with us) to attend the funeral. When they were leaving(my office was in their hometown), I gave them the laptop and told the HR. When my cousin went to submit the laptop, HR took the laptop and tricked him to come again for the due pay cheque and matric certificate. When I contacted the HR, she said they would not give me the clearance untill I serve one month notice period. It was a straight denial from her and I was left in shock. How could I be supposed to serve the one month notice period while I was still on probation period and was not a permanent employee. That day, my faith in humanity was lifted. I tried to find if there was anyway I could leverage them to get my due pay and document, but to my disappointment I could not find any. So, I made peace with the situation and carried on.
Since I left that job I started being active on Upwork and fiver in the hope that I could get some freelance work to earn my living, which did not happen. Every passing day was making my situation worse. I was in depression and was totally hopeless. And then eventually I landed a customer on fiver who would pay me 10$ per hour and I might have never been happier than that. That client would bring me some work on and off.
Meanwhile I got a reply from a company that I had applied to for the job. I had four interviews with them and eventually they offered me the job of React Native developer for about 300$ a month. Instead of bringing joy, this brought me another session of depression. I was freaked out with the previous corporate experience and was not at all ready for another one. I kept on thinking for 2 to 3 days on whether I should join or refuse. The offer was pretty solid but I had no guts for another adventure. So, after about 3 days of thinking, I called the HR and refused the offer. At that evening, I wept for minutes lonely in the dark room.
The thought of having a freelance client was relieving at the end of the day. That client kept my circuit running for about two months. Now, I don't know what happened to him, he's not bringing any more work while a few dollars are due on him which he seems to deny. I got no other client and again I was in the dark. To make the situation even worse, I got the call from HR of the company that I left. She asked me to deposit a one month salary (about 230$) as a penalty of not serving the one month notice period. Another bomb was dropped on me. I told her that they had not paid me my due salary and not returned my matric certificate on which she said she was not aware of that(they hired a new HR) and said she would call me back after discussing it with the management. After few days, I got the call from HR and she told me that I can collect the document and they would not give me the due pay cheque as it is the penalty for not serving the one month notice period.
Now at times, I would think about the purpose of life, what am I doing to myself. I don't seem to fit in the corporate world, I don't have a freelance client and I can't seem to fit into anything I can think of. I am so doomed. I reached out for help to the psychiatrist as I was having the self harming thoughts. Now I am two weeks in the medicine and felt good so far until yesterday I was short of pills as I had to travel to other city to attend my aunt who is in the hospital. I went to the numerous pharmacies and could not find that pill. So I could not take the pills yesterday and today I got the pills in the replacement from the pharmacy while the damage has already been done. I am again having same thoughts, hopelessness, not light at the end. I feel so different from the rest of my kind. I have no words to describe my feelings.
I am thinking to go and collect my matric certificate from the company as I am in the town, but I can't seem to calm myself over the idea that God knows what they could have planned to land me in.
submitted by pylancer to offmychest [link] [comments]

2020.09.04 19:56 phunanon 6 months of pay for family visa - half month?

Hello, I'm just seeking some minor reassurance for me and my partner (from the Philippines). We have been intending to apply for a Family Visa for her to visit the UK for our marriage. I finally have a job paying £26k per annum, but we're wondering if my first pay - for only 21 days of work - would hinder our application for an extra month. I've tried to look through the detailed guidance, and saw they take the lowest annual salary. However, I can't imagine they'd accept, say, a month's pay cheque for one day of work, so why 21 days? Mathematically the pay I gross pay I received for the 21 days is less than £18.6k.
Thank you for any advice; we will be using an agency closer to the application date.
submitted by phunanon to ukvisa [link] [comments]

2020.09.04 09:52 arilrifter Tipping should not be mandatory like the U.S, however tipping should be a gesture of appreciation in any country

Yes, i understand that tipping in the U.S has led to manipulation of employees wages (just pay your workers a decent wage), and yes i understand in some country tipping is considered as rude. I'm talking about other countries who are neutral in their perception towards tipping; in my case like Malaysia.
In my country, many if not most of servers or service based professions's salary is peanuts, they barely make minimum wage, and when i say minimum wage i meant like the lowest salary possible/legally in the entire country. Tipping is not considered a norm here.
I once went out for pizza with a group of friends, once we got the cheque i left like 3 bucks as tips. The reactions of my friends were shocking. Thwy were suprised i left a tip, and i shouldnt have wasted money.
I came from humble background, ive worked in the service industry since i was 14. When people left me 2, 3 dollar tips, you cant imagine how that can make my day.
Tldr: tipping is a sign of appreciation
submitted by arilrifter to TrueOffMyChest [link] [comments]

2020.09.03 16:44 What-Up-G Gross Year-To-Date higher than my current salary?

Hi All,
Before I open a case with Phoenix and they go screwing around, I thought I read this issue here before and wanted to know if its common.
I checked my pay stub and noticed my current Gross Year-To-Date amount is higher than my current salary, meaning I received more than my current salary already and we're still in September. I checked each and every check and that's not true but did find one stub where they paid me $30k and retracted $30k in the same cheque with the comment "TAXABLE OFFSET". I click on the comment to see what it means but it kicks me out.
Anyone else see this in their pay?
submitted by What-Up-G to CanadaPublicServants [link] [comments]

2020.09.02 21:04 WishIhadrichparents From zero to 350K+ NW -- immigrant, negative inheritance, no support. Thanks PFC!

Hey PFC,

(I had a mean comment(s) about bats. Removed it coz I agree! it was mean... sorry all)
Throwaway coz my identity is known offline but I will answer all questions. I wanted to thank this community and share a bit of progress my spouse and I have made since 2014.
Quick summary:

Debt: mortgage remaining ~550K

What helped us

Salary progression: (sharing total below)

Since buying our condo, our minimum monthly expense is 6K+. Car is paid off, no other debt. We are paying a little bit more on mortgage bi-weekly and rest goes into investments.
Thanks PFC for all the great knowledge shared here. I hope this helps everyone, and I can answer any and all questions below. Please don't be mean if possible!

Quick message for all:

I know we all hate the housing situation in VancouveToronto and elsewhere. We hate it too, and can't believe we paid so much for an old condo!

But, we like living in Canada and supporting the ideals of this country. We are happy that we have been accepted here and hope to be able to contribute in a positive way. We have so many friends who were born and brought up here and we love them (and hope they love us too!). So many have helped us with our newborn - we had no idea we have so many wonderful friends.
We miss our family who couldn't make it here due to Covid. Covid has been so rough on everyone (well, except Bezos and people of his ilk). Please be nice to all, and hug your family if they are here. I cannot believe our newborn is not going to see his grandparents for at least 8-9 months. Wish it were different
submitted by WishIhadrichparents to PersonalFinanceCanada [link] [comments]

2020.08.30 18:06 MakerOfCakes You want to take my entire salary as a voluntary pension contribution? Ok then...

I'm hoping this is the right place for this and it may make someone smile. It's rather long winded, but not as long as ai have kept this up for....
Apologies because I am on a mobile. Also my spelling is crap. So sorry in advance.
I was reminded of this by yet another weary letter asking if I wanted to cash my pension in early. Obviously the answer was no.
This happened a very long time ago (25+ years and is theoretically still going on)... I was happily working in a local office in my twenties when I was, out of the blue, head hunted by another company. The position was a promotion, more money and I was to be trained to take over from the office manager when he retired. I took the job. It was horrible. The work was nothing like they had said. I was basically looking after a bunch of idiots who couldn't tell their arses from their elbows or be honest about their work timings. They lied on job sheets, didn't turn up for work and I spent the entire time dealing with crisis after crisis.
I had been there about 3 months and looking for a way out, when the manager suddenky announced the office was closing. Imagine quiet dances of joy on my part. No one else was happy though. I quietly asked the manager of he knew this was happening when they had offered me the job and he refused to answer (this was a very valuable lesson for my future because it made me realise that not everyone has your best interests at heart) .
A few days later I got my monthly pay slip and for the first and only time in my life, it had a negative value. I nearly had a heart attack. From my salary they had taken not only emergency tax (which they didn't need to do because they had my correct forms and hadn't in the previous pay slips) but also a large chunk for the companies pension scheme, which I didn't have to join because of my age. The HR department had decided I had to be older than I was because of the job I had. I was so upset, I hadn't signed up for this and asked for it back. The HR department basically told me to go do one and they wouldn't consider it. Even though, their paperwork said that, at their discretion they could cancel my "voluntary" pension contribution. There was nothing I could do, I was very smugly told that there wasn't anything in the schemes rule book to cover their taking money in these circumstances . I was spitting feathers when I had to pay them before I could leave (admittedly it was only a couple of pounds but it was the principle).
Now here is where the malicious compliance comes in. A few months later, to my surprise, the pension people rang me at my new place of work and asked where they could send me a cheque for my contributions to. I thought about it for a split second before saying No I'm good. It can stay in your pension scheme. They were so shocked and kept insisting they should send me a cheque and I just said no, keep it in the scheme. You wanted it, you got it.
The reason I did this was because when I moaned to my dad about this, dear old dad had laughed and pointed out that the scheme would be sending me statements every year to tell me how much my contribution had increased and how much I would be getting and asking whether I had any questions. Wisely, or rather unwisely, he pointed out that this would cost alot more than the amount I had paid in. So I left it there. They insisted it should come out of my salary so they can dam well invest it for me. Over the years I have been contacted by them offering to pay me different amounts of money to settle it and I have said no I'm good each time. When I got married I dutifilly filled out all the paperwork for a change of name and sent it off to them. This kicked off another round of let us settle with you and me saying no. In three years I will be entitled to a lump sum of approximately £75 plus a annual pension of £17.00. I suspect that over the years it's cost them alot more to manage than that.
Quite frankly I may not claim it when the time comes as that apparently would kick off alot more paperwork as they have to have a reason for people not to claim.
Admittedly looking back on this as I type it all seems so silly and pathetic but it still beings a smile to my face when I think of the panic in the little man's voice when I told him my miniscule (to them)!but entire salary to me, could stay in the scheme. He did try to force me to take the money but as I pointed out to him, there wasn't a rule covering money taken in this situation, but there was a rule saying all contributions accepted by the scheme had to be processed.
submitted by MakerOfCakes to MaliciousCompliance [link] [comments]

2020.08.27 03:59 lyr_cc Paying off student loan vs. Saving for a downpayment (GTA)

My situation:
Income: $70k net Student Loan (LOC): $79k @ prime, repayable from August 2021 "Savings": $60k ($55k in a HISA, $5k sitting in chequing temporarily) Monthly expenses: $2,900 budget - $2,250 is fixed expenses (rent, utilities, internet, phone, presto pass). I track my expenses on excel and I have been able to stay slightly under. (Expected to increase by $1,000 once the loan is repayable). RRSP: $0 TFSA: $0
Note: I'm only focusing on my income, debt, budget, etc. at the moment because my boyfriend and I have only been together for 1.5 years.
I could pay down my student loan and have 19k in debt, but I am worried about getting priced out of homeownership in the GTA if I don't save for a down payment and try to buy within 2 years. Seeing shoebox condos classified as a 1 bedroom but are really studios with nooks in the wall going for $600k+ in badly built buildings concerns me as I don't know what things will look like by the time I pay down the debt and then start building up the down payment. Renting is also difficult and my monthly fixed expenses are only that low because of the pandemic.
On the other hand, the pandemic has brought on uncertainty career-wise. While I have a job now, I have been only practicing for 2 months in my field and will only feel secure after about a year or two. In normal circumstances, there's good salary growth in my field - usually 10-20k/year for the first few years.
Living at home isn't an option. My parents are low-income earners and my father has had a serious gambling problem for 30+ years, so they are currently renting a 1 bedroom apartment, have no retirement savings and are relying on my siblings and I to help them make ends meet.
My financial knowledge is low and while I'm learning, I'm worried about making huge financial mistakes as I don't have a safety net. So given all the above, what should I be focusing on right now between the debt and the down payment? Is there anything else I should be putting my money toward (TFSA, RRSP, etc.)?
submitted by lyr_cc to PersonalFinanceCanada [link] [comments]

2020.08.26 08:24 ChoksiTaxServices Why you should have a permanent account number (PAN)?

PAN, or permanent account number, is a unique 10-digit alphanumeric identity allotted to each taxpayer by the Income Tax Department under the supervision of the Central Board of Direct Taxes. It also serves as an identity proof. PAN is mandatory for financial transactions such as receiving taxable salary or professional fees, sale or purchase of assets above specified limits, buy mutual funds and more.
The primary objective of PAN is to use a universal identification key to track financial transactions that might have a taxable component to prevent tax evasion. The PAN number remains unaffected by change of address throughout India.
(a) Sale or purchase of immovable property valued at Rs 5 lakh or more (b) Sale or purchase of a vehicle other than a two wheeler (c) Payment to hotels or restaurants an amount exceeding Rs 25,000 at any one time (d) Payment in cash an amount exceeding Rs 25,000 in connection with travel to any foreign country (e) Payment of an amount of Rs 50,000 or more to the Reserve Bank of India for acquiring bonds (f) Payment of an amount of Rs 50,000 or more to a company or an institution for acquiring bonds or debentures (g) Payment of an amount of Rs 50,000 or more to a company for acquiring shares (h) Any mutual fund purchase (j) Deposit exceeding Rs 50,000 with any single banking institution in 24 hours. (k) Payment exceeding Rs 5 lakh for purchase of bullion and jewellery
submitted by ChoksiTaxServices to u/ChoksiTaxServices [link] [comments]

2020.08.24 22:36 yycmrktr Self-Directed TFSA - ETFs versus Mutual Funds

I am trying to determine whether or not my TFSA should be invested through my financial advisors preferred growth product or if I would be better off following Canadian Couch Potatoes guides.
I am 30 years old with about 60k in my TFSA. I save 6% of my salary into a company matched RRSP (100% matching to 6%) and another 6% into our ESPP (matched 100% to 4%). I otherwise have a low cost of living and save roughly $1200/mo pretty easily.
Historically I have been stupid and lazy and left my money to slowly rot in my chequing account but would like to start making automatic deposits monthly - as such I would like to commit to a single investment vehicle going forward.
All of my TFSA funds are currently invested in Dimensional Fund Advisors Global 80EQ-20FI Portfolio (F), and the alternative I am considering would be a mix of VEQT/VGRO. Need someone more experienced to outline the benefits/drawbacks of either option, I've asked my financial advisor as well but they obviously have an interest in keeping my funds with them.
I have separate savings for a down payment on a home and for larger "fun" expenses like holidays/electronics. My TFSA is dedicated to long term growth and I do not intend on touching it in the next 10 years (likely until retirement).
Hope you have all the information you need to suggest a direction, appreciate your time reading and commenting!
submitted by yycmrktr to PersonalFinanceCanada [link] [comments]

2020.08.21 19:39 happycamper0319 17 Seeking some type of revenge against father

So I have really strange abusive father who I don't live with and haven't seen in two years. He sold his house a few months ago for 750k and moved into a cheaper one saying he's "homeless" and it's his "friends house" he's never seen poverty in his life but my mom has been on the verge of being evicted before. He also has plenty of dirt bikes a truck he paid 48k for with no lease. He also plenty of savings meanwhile my daily is a 1200 1993 grand marquis which I love and is basically almost my dream car. He's broken his arm carrying a homemade door for his painkiller addiction (he used to be sleeping like 14 hours a day while I'd watch his kids) (my half siblings). I also had a naked bath with him and my stepmother when I was like 6 and this really bothers me. I got an erection from seeing her vagina. He used to smoke so much around me I had extreme asthma and would almost pass out without a puffer. He would often buy me things i didn't ask for calling me "spoiled" then claiming to other people as well as teachers he's a good dad. He's done many things to my mother and she's still mad about them. When I was 4 he was dating an escort with a strange daughter who was older than me. She would throw party's and needles and cat shit would be all over the house. The bathroom wall also got smashed in. He also would tell his wife to "save the bathwater". I lived with my stepmother in a different city for a short time because my mother was in the psyche ward. She would also save bathwater for me which I thought was disgusting. And they would get mad if I didnt. This man has a 100k+ salary
I don't know why I wrote this but I wish I could somehow feel better about all this. I do realise they aren't worth a second of my time. If anyone has advice about strange toxic parents it would be appreciated. I've tried things like counseling and they would just find it funny or something seems like the vast majority just want a pay cheque
submitted by happycamper0319 to LifeAdvice [link] [comments]

2020.08.21 00:36 EnvironmentalEase7 Avoiding tax deduction with TD-1 form question

Can someone please clarify if I can receive salary upfront without tax deduction?
I have been getting CERB for the past 6 months and will begin a FT permanent role starting in September, the salary will be $5000/month. I wanted to get salary without tax deduction to help pay off the student loan faster and asked my employer to do so, however payroll said usually it only works with sub contractor roles.
While I was a student, I had filed the TD-1 form and have my tax deduction omitted from pay cheque before. Will I still qualify for it if my income this year ( CERB X6= $12000 + 4 months of salary =$20000) = 32,000 is higher than the total claim amount listed on line 13 on the Federal TD1 form below?
submitted by EnvironmentalEase7 to PersonalFinanceCanada [link] [comments]

2020.08.18 18:37 Bengalman90 Don't know what to do with my money

Hey guys,
Been lurking here for a bit. Basically what the title says... I'm looking to see what you guys think i should do with my money.
I live in Canada, don't have a vehicle payment (paid off), pay 400$ in rent a month (its a dump). Just finished paying off all school debt. Have 0 credit card debt. I'm turning 30 in November. I am single. I have 18,000$ in a chequing account. I also have 30,000$ in RRSPS. My job comes with a pension. I have a high interest TFSA with no money in it but kind of want to get into investing. My salary is roughly after-tax 2200$ but often significantly higher with overtime.
I'd like to save a bit more for a down payment on a house as well, the only problem is I'm transient with my job and I'm not in a location where I'm willing to settle yet. My rent won't be changing until December, and even then for the next year I dont mind keeping my rent as low as possible. Basically was wondering what you guys suggest for amount to invest and where to invest it.
submitted by Bengalman90 to PersonalFinanceCanada [link] [comments]

2020.08.18 13:18 Groningooner Transition to new payment frequency

Hi all,
I (23m) currently work at a company via an agency who pay me weekly, but I've received the good news today that in a couple of months, assuming I'm still meeting targets and performing etc, the company would like to take me on with them directly!
The company pay monthly, which is if anything what I'd prefer, but I wanted to know if there's any advice on how I can make the transition from a weekly pay cheque, to monthly? If it's possible, I'd like to try and stay out of my savings/emergency fund if possible (Currently sitting around €3800).
Any tips advice would be great! I can breakdown my financial situation more (My bills, salary etc) if it helps but wasn't sure what would be helpful.
Thanks in advance!
submitted by Groningooner to personalfinance [link] [comments]

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Comprovante Salarial Eletrônico Pagamentos Bradesco

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CORONAVÍRUS: ANTECIPAÇÃO DAS FÉRIAS INDIVIDUAIS, MP. 927 AUTORIZA O PAGAMENTO ATÉ O 13º SALÁRIO? - Duration: 6:58. Leandro Marculino Advocacia Especializada 2,992 views Pensionista! Hoje você vai entender por que seu contracheque de JANEIRO/2020 permaneceu idêntico ao contracheque de DEZEMBRO/2019. LINK VÍDEO INSTRUÇÃO NORMA... SALÁRIO e os DESCONTOS OBRIGATÓRIOS! Para onde vai o meu dinheiro? #utilidadepublica Você já pegou seu holerite, mais conhecido como contra cheque e se assus... Várias pessoas enviaram perguntas se é legal a penhora de salário para pagamento de dívidas comuns e se essa é a sua dúvida, este vídeo é para você! . O arti... Este vídeo mostra o contra-cheque com explicativo do cálculo de horas extras , salário família , inss e fgts, evento por evento, aplicando as alíquotas de ja... Como ficar sem salário? Já pensou usar o cheque especial? Recebi a seguinte dúvida: 'O meu pai todo mês, ele recebe aposentadoria dele, conta corrente e ele tira 150 de limite. Quando foi ... Uma leitura do contracheque, qual o valor dos descontos do INSS e Imposto de Renda de cada faixa de salário e como calcular cada um. POUPANÇA, QUAL O RENDIME... Veja as dicas do Luis Carlos Ewald, o Senhor Dinheiro, para fazer o uso correto do Cheque Especial. Aprenda a fazer uma planilha de folha de pagamento! Enriqueça o seu currículo! Aprenda de forma prática e objetiva os cálculos e os encargos da folha de pagamento: