Showing posts with label economy. Show all posts
Showing posts with label economy. Show all posts

Monday, June 18, 2018

No more US trips for now

My husband went to our bank the other day to request for a bank draft because he wanted to send a little amount to his godson in the US who just graduated from high school.

Medj nalungkot kami when we learned na ganito na pala ang palitan ng Canadian to US dollar ngayon.


Waaah! It will mean one thing -- no more cross border trips for now. Naglu-look forward pa naman ako na mag-Seattle uli at mamili ng Tender Juicy hotdogs sa Seafood City dun. Saka mag-Jollibee uli syempre. Pero it's really not the best time to go out of Canada. Walang value ang datung namin.

My in-laws, who are based in California, were also asking us to visit them again (kahit kami lang daw ni Nathan since may trabaho si Ford). Ang sabi namin mahirap kasi nga ang baba ng Canadian dollar. Ang lahat ng bilihin dun parang magiging sobrang mahal ang labas, hindi ka rin mage-enjoy kapag ganun.

Hay, kelan kaya tataas uli ang Canadian dollar? Mahirap i-wish na bumaba ang US dollar eh.

Tuesday, January 30, 2018

Two Years Ago in Edmonton (Part 2)

Sa una biru-biruan lang: "Tara lipat na tayo sa BC! Malapit ang Jollibee doon!" But on April 2016, we found ourselves talking to a realtor. On the first week of May, for sale na ang house namin.


I've always wanted to live in (Metro) Vancouver. When I first visited Canada in 2012, dumalaw kami sa Tita ko sa Surrey at nagandahan ako sa place. Hindi gaanong malamig (bihirang mag-snow) saka ang daming pwedeng gawin at pasyalan, hindi kagaya ng Deadmonton. Tapos cross border ka lang, Washington na. May Seafood City doon at Jollibee, Red Ribbon, at Chowking. Isa pa, mayroon nga akong Tita doon (na sobrang ka-close ko dati) kaya talagang na-engganyo ako.

Pero syempre hindi kami pwedeng lumipat noon kasi settled na si Ford sa Edmonton. May magandang trabaho siya, may bahay na kami, at may malalapit na kaibigan na rin. At mahirap din kasing iwan talaga ang Alberta kasi nga mataas ang sweldo doon (prior to recession) kasi nga mayaman ang probinsya. Tapos 5% lang ang sales tax  (sa BC ay 12%) kaya mas mura ang cost of living.

Pero by April, we realized that we had to leave Edmonton already. We already knew for a fact na matatagalan pa bago maka-recover ang Alberta. Ford's employment insurance will only last until February 2017. Sure, we could get by later on kung maghahanap muna siya ng kahit anong odd job tapos tuloy ang work ko, pero we had to consider his career. Hindi siya pwedeng ma-stagnate nang matagal. Yung ex-officemate niya na nalay-off din, nagrelocate na sa Ontario and found a job there.

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It took a while bago nabili yung house. Again, recession. Sino ang bibili ng bahay sa mga panahong iyon? Medyo skeptic nga ako eh, pero sige lang, wala namang bayad sa realtor. Magkakaroon lang siya ng commission kapag naibenta na niya.

At dahil matagal nga inabot, medyo naipit din ang job-hunting ni Ford. He couldn't apply in Vancouver kasi nga paano ang bahay kung hindi pa naibebenta? Hindi naman namin pwedeng iwan syempre. Hindi rin naman pwedeng mauna siya sa Vancouver, paano naman kami ni Nathan sa Edmonton? Ni hindi ako nagda-drive doon. So we had no choice but to wait.

My cousin in Toronto once asked me, "Buti hindi umiinit ang ulo ni Ford? Buti hindi siya nai-insecure na ikaw muna ang nagtatrabaho?"

Actually hindi naman. Hindi talaga. Una, mas malaki pa nga ang nakukuha niya sa insurance kesa sa sinusweldo ko noh. So mas malaki pa rin ang share niya sa household expenses namin haha. Pangalawa, mataas talaga ang EQ niya. He knew na temporary lang naman ang sitwasyon, that everything will be back to normal once na nakarelocate kami at nakahanap na uli siya ng work. At pangatlo, I would like to believe na hindi ko naman kasi siya dinown during those times. It wasn't his fault na nawalan siya ng trabaho, usaping ekonomiya yan. I reminded him that when he was earning well, he's been so good and generous to me. Kaya walang rason para maliitin ko siya sa puntong iyon ng buhay niya.

Pero minsan nang sabihin ko na pagod na ako (physically tired), he said: "Sana magkatrabaho na ako uli. Kasi pagod ka na." I assured him that I wasn't complaining, na wala naman talaga sa akin yun. Pagod lang talaga ako kasi may physical aspect din naman ang work ko.

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After what seemed to be an endless home viewings, we finally got an offer on August. Syempre we didn't get the amount that we initially stated, nagtawaran pa kami. In the end, break even lang kami. Pero ok na rin, at least makakapagsimula na kami uli sa BC. Saka two and half years pa lang naman kami doon, kaya wag magexpect ng equity. Masuwerte pa nga kami kasi nabenta, ang dami-daming properties (both old and new) that time na nakatengga kasi nga walang pambili ang mga tao ng bahay.

By the way, ang nakabili ng townhouse namin ay isang matandang mag-asawang Intsik yata. They used to live with their child (and his/her family) in one of the units din in the complex, pero gusto na nilang humiwalay. Kaya bumili sila ng unit (cash ha) doon din para malapit lang din sa anak nila. We were thankful kasi nga kung hindi sila tagadoon din, I doubt kung bibili sila ng second hand house. There's a new array of townhomes just across our street na marami pang vacant units, pwedeng doon sila bumili kung tutuusin.

We agreed to turn over the house on the last day of September. We thought that should give us ample time to look for an apartment in BC, pack, and bid goodbye to our friends.


Pero kaloka ha, mid-September na eh wala pa kaming malilipatan. On my birthday weekend (August 27-29), we drove all the way to Surrey to check a townhouse-type rental apartment that's big enough to accommodate all our things. Akala namin makukuha namin, given my husband's good credit history and our savings (that will prove that we are capable of paying), kaso we got declined. We were shocked, ang sakit palang ma-reject. Ang only reason na naisip namin is because Ford was jobless at that time. Our savings (plus the sale of our house) didn't count. We really never saw it coming, we were too confident na walang magiging problema sa paghahanap namin ng matitirahan.

We searched and searched online pero walang vacancy sa mga apartment complexes sa Langley, Delta at Delta (iyon kasi ang mga target cities namin). Mukhang booming talaga ang BC, naisip namin. Marami nga rin kasing naglipatan doon from Alberta simula nang mag-recession. I tried emailing / text messaging yung mga homeowners na nagpaparent ng basement but nobody replied. Mukhang hindi ako sineryoso.

We were getting desperate. Malapit na kaming maging homeless. Ang tindi ng pressure. Thankfully, meron isang nakausap si Ford na apartment manager who was willing to take us in kahit na hindi na namin ma-view ang apartment. When Ford informed her na wala pa siyang trabaho, enough na daw that we email to her our bank's statement of account para lang masigurado na may pambayad kami sa mga susunod na buwan. I guess she took us in when she learned na Filipino kami, marami raw kasi silang tenants na Filipino. Gusto siguro nila ang Pinoy kasi maayos sa bahay.

The only problem though was that we could only move by October 1. The only solution was to rent a huge storage in Surrey (hay, gastos!) and dump our things there at least a week before September ends kasi we needed to clean the townhouse pa before the turnover.

My parents-in-law came over in September and helped us pack the house. I quit from my job na rin (my last day was September 17). Then Ford rented a truck and they brought all our things in the storage on September 21.

We stayed at our good friend's (Mylene and Obet) house for a couple of days before the townhouse's turnover. We spent those days with our distant cousins and closest friends who became our family in Edmonton. It was bitter sweet. We were excited because a new adventure awaits us, but it wasn't easy to leave the life that we've built in Edmonton.

With a heavy heart, we left on the night of October 1st.



---- To Be Continued ----

Saturday, January 27, 2018

Two Years Ago in Edmonton (Part 1)

Want to know why we left Edmonton?

It's because my husband lost his job there two years ago.


January 26, 2016 (Tuesday). Ford went home on lunch time, as usual. But when he mentioned that two officers from their Saskatoon head office were in their office, I suddenly felt nervous. Alam ko may male-layoff na naman. Marami-rami na rin kasing nalay-off the past months, yung iba matatagal na sa company saka matataas din ang puwesto.

In less than an hour after he left the house to go back to work, I received a shocking message from him: "na-lay off ako." Biglang umakyat ang dugo ko sa ulo. I was hoping na nagbibiro lang siya, pero alam kong hindi. Hindi siya nagbibiro ng mga ganyang bagay. Saka alam kong may problema na sa office nila, wala na silang masyadong projects. I just didn't expect na male-layoff siya ahead of other employees. You see, he's the MOE (most valuable employee) in the office. He's the owner's "right hand" in Edmonton Office (that owner unfortunately died just four months prior). Akala ko mala-last man standing talaga siya sa opisinang yun. Yun din ang akala niya.

It was a world-shattering text message. Sobra ang takot ko. Ang nareply ko lang: "Paano na tayo?" I remember crying so hard while waiting for him to come home. My then one-year old son was somewhat aware of what's happening. He quietly sat on my lap and hugged me while I was sobbing.

What made the situation worse was that my parents-in-law were already in our house that time and in three days, Ford's sister from California and brother from Qatar (and his family) are also coming for vacation. Ang gara talaga ng timing.

Ewan ko ba pero parang nase-sense ko na rin na mawawalan ng work ang asawa ko. Just a week before it happened, nag-blog pa ako on how scary the Canadian economy was na that time. Alberta was badly hit by recession because the prices of oil continued to drop in the world market. Fully dependent ang economy ng Alberta sa oil kaya talagang bagsak na bagsak ang probinsya.

My husband is a licensed Professional Engineer (a Geotechnical Engineer to be exact) at talagang apektado ang industry nila. Bagsak ang ekonomiya kaya no new projects, no new constructions. Many engineers, who were being paid well, were laid off.

Ganun pala yun. Uso pala talaga ang lay-off lay-off na yan sa North America. At yung recession na nababasa ko lang dati, na-experience talaga namin.

I was so scared that time. Paano na lahat ng bayarin namin? I suddenly looked around and regretted buying so many things that I didn't really need. Bigla akong nanghinayang sa pera. To be honest, hindi na ako sanay maghirap. When I came to Canada, everything has been served to me on a silver platter. Hindi ako nahirapan. My husband has been a very good provider, naibigay niya talaga lahat ng gusto ko. Ang komportable ng buhay namin and I took pride on that. Imagine, we were living comfortably on a single income. Not many families in Canada could afford that.

Then I realized na kung mabigat para sa akin ang nangyari, mas mahirap para sa asawa ko who has taken pride in being a good provider as well. Mas mabigat ang dalahin niya, sa balikat niya nakasalalay ang pamilya namin eh. Of course hindi niya pinakita pero alam ko na sobrang naga-alala rin siya. Sino ba naman ang hindi?

As a wife, all I could do was give him words of encouragement. That everything will be ok. That we will get through that difficult situation. But as two realistic individuals, we knew that it might take some time. Again, recession eh. Hindi naman basta nagclose lang ang company at nawalan siya ng work. Kung ganun lang kasi ang nangyari, ang bilis niyang makakahanap ng bago given his credentials.

I mentally assessed our finances. Kahit paano medyo kumalma ang pakiramdam ko kasi aside from our savings, meron naman siyang makukuhang severance pay from his company tapos may Employment Insurance (o EI) naman where he paid the highest contribution so he'll get the highest benefit din.

I called my mother that night and cried on her virtual shoulder. She said she'd send us money (initial reaction syempre) but I assured her that we're still financially ok, that we could manage in the coming months.

The following day, I remember modifying my husband's resume. Di ko talaga maisip na balik na naman kami sa paggawa ng resume. Nag-apply na rin siya agad sa mga nakita niyang openings online (na parang mga old posts na) tutal wala namang mawawala.

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The next three weeks was extra difficult because we had a put up a brave front in front of my husband's family. It wasn't easy to smile and laugh when all you wanted that time was mourn and wallow. We also became cautious na of spending siyempre. Before his siblings came, sinabi na niya that he's lost his job kaya sila na muna ang bahala sa gastos. Syempre as the manong (or kuya) and host, that was so hard on his ego. Kaso no choice, we had to preserve whatever money we had for the rainy days ahead. Biglang naging mahalaga every dollar. Buti na lang nakapamili na kami ng groceries and other things bago nga ang lay-off.

Thankfully, money was no problem naman with his family. His siblings generously shouldered all the expenses sa mga trips and dine-outs namin. They also offered us financial help just in case we need it (na sobrang na-appreciate namin siyempre).

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Even before my in-laws left, I already toyed with this idea na ako na muna ang magtrabaho while Ford is under EI. You see, when you're receiving insurance benefits, lahat ng magiging sweldo mo from any other part-time job ay ide-deduct. My husband that time had a part-time job in Lowe's (he applied when Nathan and I were in Pinas for our first long vacation and he got bored) but he had to quit dahil nga ang useless lang kung yung kikitain niya doon ay ibabawas pa sa monthly cash benefit na makukuha niya sa EI. Parang nag-aksaya lang siya ng pagod at gasolina.

The best solution was really for me to work muna para may pandagdag kami sa EI at nang hindi maubos ang savings namin. Nang sabihin  ko yun sa asawa ko, I felt his hesitation. Syempre pride pa rin kahit papano. But after explaining to him na susubukan ko lang bumalik doon sa dati kong work at talagang gusto kong makatulong sa finances namin, he gave in.

I immediately contacted my former co-worker-turned-good-friend Cristy and asked her if there's an opening in the store (I worked there pala for only six weeks in 2014 kasi I got pregnant na). She excitedly said yes, kulang daw talaga sila ng keyholder/supervisor kaya mag-apply na ako agad. Sabi ko pagkaalis ng in-laws ko, pupunta ako agad doon.

After Ford's siblings left, sumunod na rin ang mga biyenan ko. They rebooked their flight a week earlier, probably para makapagsimula na kaming makadiskarte sa bagong sitwasyon namin. Before taking them to the airport, hinatid muna nila ako sa store early morning so I could submit my resume.

Cristy accompanied me to the assistant manager (the manager wasn't there that time) so I could personally hand to her my resume.

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To cut the story short, I got rehired and started working on February 29 (just over a month after Ford lost his job). It wasn't easy at first kasi nasanay na ako na pahiga-higa lang sa bahay but I got used to it eventually. After all, sabi ko nga kay Ford, I may not be masipag in the house pero masipag akong magtrabaho. Lahat ng extra hours kinuha ko. Kapag may absent, willing na willing akong sumalo ng shift.

Ford became a house husband for several months haha. Tapos personal driver ko pa kasi hatid-sundo niya (nila ni Nathan) sa trabaho. Sa totoo lang, nag-enjoy pa nga ako. Finally, I was able to work again!

Ang drawback lang siyempre is the salary. Maliit lang ang sweldo sa retail. Saka hindi naman ako full-time kaya hindi malaki ang take-home pay ko. Pero ayos na rin kasi at least nakukuha na ang pang-grocery at gas namin. Yung insurance ni Ford ang naging pambayad ng house mortgage, car, and other bills namin. Saktong-sakto lang talaga.

I am telling you, it was the most humbling time of our married/family life. Kinailangan din talaga naming magtipid kasi we weren't comfortable na mabawasan ang savings namin. Kung dati panay ang kain namin sa labas, syempre hindi na pwede. Walang shopping (except for essentials), walang luho, wala lahat ng nakasanayan namin. Nanahimik kami sa bahay. Buti nga one year old lang si Nathan noon, hindi pa demanding sa toys at McDonald's.

Kapag inisiip ko na minsan yung isang araw na sweldo ko ay isang oras lang dati ng asawa ko, napapailing ako. Malalaman mo talaga ang importance ng isang bagay kapag wala na sayo. Basta, nakaka-humble. Nakakawala ng yabang. It took a while pa nga before we informed our closest friends in Edmonton about our situation. Syempre ayaw namin ng "awa" o kahit na anong judgment. Pero hindi naman sila ganun. They, of all people, will understand our situation kasi nga taga-Alberta rin sila at nakaka-experience ng impact ng recession.

Ford continued to apply pero wala talagang hiring (yung mga nakapost online ay parang joke lang talaga).  He's had one job interview from a relatively "new" company pero sobrang weird daw ng owner. Ang taas ng vision, ang daming demands, pero $18 lang ang offer sa isang professional engineer. Sobrang shocking, really. It's expected na given the bad economy, hindi talaga makakapag-offer ng malaki pero $18 per hour lang talaga? Mataas pa ang sweldo ng cleaner? Big joke talaga kaloka.

Then one time, he contacted his former officemate who was then employed in a bigger engineering firm. That officemate promised to help him, tutulungan daw siyang makapasok kapag may opening. Sadly, only after two weeks, he got laid-off, too. More than half na pala of professional engineers in Alberta have lost their jobs.

Fortunately for us, may trabaho ako kahit papano kaya hindi na masyadong nakakapressure on my husband's part. But for his ex-officemate, grabe ang pressure because he just had a baby and the wife couldn't work. And because it was futile to look for work in Edmonton, he tried applying in Vancouver where he received an instant request for interview.

That's how we got the idea na lumipat sa BC. Mukhang madaling makahanap ng trabaho doon.

---- To Be Continued ----

Sunday, January 17, 2016

Scary economy

We had dinner at Ate Celina's the other night and we sort of discussed briefly the current economic situation of Canada. It was then that I learned that the current exchange rate of Canadian dollar to Philippine peso is only 32 to 33. I was shocked, ganun na talaga kababa? Wala naman kasi kaming pinadadalhang pera sa Pinas kaya hindi ako aware.

Before I slept that night, I googled. Tsk, ganun na nga talaga kababa ang palitan.


To be honest, I am starting to panic. With this economic slowdown caused by the falling price of oil, syempre damay lahat ng industry. I've heard a lot of job layoffs. What if my husband lose his job? We're a single-earner family, yari talaga kami.

Oh well, praning lang talaga ako. I really can't handle financial stress, baka masira ang ulo ko.

Buti na lang mataas ang EQ ni Ford. During lunch yesterday, I asked him:

CES -- Naku Daddy, paano pag nawalan ka ng work? Paano na tayo?
FORD -- Eh may EI (Employment Insurance) naman. Saka survival job, marami naman.
CES -- Sus, magkano ba nakukuha sa EI?
FORD -- $2,000 ang maximum.

CES -- WTF!!! Eh pano magkakasya yun? Kailangan kong magwork! Kasi kapag nag-odd job ka eh di mawawala pa yung EI mo. 
FORD -- Hindi naman laging ganun. Magkakawork din uli ng maganda pag ok na uli ang ekonomiya.

Whew, such positivity! Pero mahirap maging positive kung may house mortgage, kotse, at sandamukal kang bills na binabayaran noh. It's not as if we live in the Philippines, madaling umutang sa magulang kapag ubos na ang savings.

Tapos tiyak na tataas pa ang bilihin. Canada imports most of our food (80% of fruits and vegetables yata ay from US) kaya tiyak magmamahal lahat. Lalo na for us Pinoys, most of our grocery items are "imported" from the Philippines. Huwag na munang mag-Chippy at Ligo Sardines.

When will this 'recession' be over? Nakakamiss na ang Canada na "rich andabundant" sa totoo lang.

A few days ago, I was making kulit to Ford kung kelan kami pupunta ng California (at his parents' place). He finally decided na sa May, maga-apply na raw siya ng leave. But with my recent learning of the current status of Canadian dollar, parang ayaw ko na muna. Walang value ang pera namin. I am planning to shop pa naman sa mga outlet stores sa US. Tsk, dati almost 1 is to 1 ang US at Canadian dollar. Anyareee?

Hay kasakit sa ulo. I better stop overthinking na nga muna.