Page 25 - CCFA Journal - Fifth Issue

工作和生活 Work & Life 加中金融

如果我们将这一数据与上面的收入中位数图表结合起来，这意味着温哥华人每月在房地产上的支出比多伦多人多 20%。
当然，这些都是平均值，所以中位数房价有可能更低。无论如何，住在这个城市或它周围的社区——无论是在本纳比、东
温哥华、里士满、高贵林或北温哥华——与加拿大其他大城市相比花费都要更大。

以多伦多为基准，下面的表格总结了在生活水平方面温哥华与多伦多的一些主要成本差异。我们可以看到，总的来说，温
哥华是一个生活成本更高的地方，但总体上平均工资较低。

尽管这些数字并不吸引人，但温哥华仍然是一个受欢迎的居住目的地。如果我们不考虑较高的住房租金，温哥华的生活成
本只比多伦多高 0.23%。另一个导致成本普遍上升的因素是老年人护理。我在伯纳比(Burnaby)发现了一家设备齐全的芬
兰退休老人之家，看起来设备齐全，很安静。如果大门上没有标签，我会认为这是一个豪华住宅小区。

在温哥华的旅行中，有一件事让我放慢了速度，那就是我没有车。没有一辆车你需要使用公共交通工具, 虽然它们在时间
掌控上基本可靠, 但从 A 点到 B 点还是需要很长时间。 就从南本拿比到 Deep Cove 我花了 1.5 小时在路上，而车程其实只
需 25 分钟。对于那些需要通勤的人来说有点沮丧。“轻轨”也因其薄弱的铁路管理系统而闻名，当遇到降雪或更冷的温度
时，系统会崩溃，但它仍然是该地区较好的交通选择之一，比公交车快，每次只需 2.5- 3.0 元。

This means that the average Vancouverite spends ~20% more per month on shelter than a Torontonian. Of course, these are average
figures so there is a chance that the median house prices are lower. In any case, be prepared to pay more to live in the city or in its
surrounding neighborhoods – be it Burnaby, East Vancouver, Richmond, Coquitlam, or North Vancouver.
Using Toronto as a benchmark, below is a table summarizing some of the major cost differences with Vancouver with regards to living
standards. We can see that Vancouver is a more expensive place to live in general while having a lower average pay across the board.

Price Metric 支出价格比较 Vancouver 温哥华 /Toronto 多伦多
Rent 房租 +9.21%
Restaurant 饭店就餐 -0.43%
Groceries 超市日用品 +7.06%
Local Purchasing Power (pay/prices) 综合购买力 -1.04%
Data taken from Numbeo (2021) using their Cost of Living Plus Rent Index.
+ = more expensive, - = less expensive

Despite the unattractive numbers, Vancouver continues to be a popular destination to settle in. If we exclude the impact of higher
real estate (rented and owned), cost of living in Vancouver is more or less on par with Toronto. Another factor for the generally higher
costs is attributable to elderly care. During my visit, I came across a beautifully
furnished Finnish retirement home in Burnaby that looks very well equipped and
peaceful. If it weren’t for the labels on the front gate, I would have thought it was
a luxury residential complex.

One thing that really slowed me down during my trip is that I did not have a car.
Without a car you would need to solely rely on public transportation, and while
they are usually on time and generally reliable, it takes much longer to get from
point A to point B. During a trip to North Vancouver, it took me 1.5 hours just to
get from South Burnaby to Deep Cove, a trip that would normally take 25 minutes
via car. This is not a problem when I am on vacation, but for those who need to
commute to work daily it can be overwhelmingly frustrating. While each trip took
substantially longer than necessary, between buses and the Skytrain, it was
relatively convenient and cost efficient to get around. The Skytrain in particular,
despite its shaky reputation of having a weak rail management system that would
break when it encountered snow or colder temperatures, remains one of the
better transportation options around the region and is faster than buses at only
~$2.5-$3.0 per trip.

Figure 8 Old man and the Skytrain (Michael Lu)坐在
轻轨车厢里的老人

CCFA JOURNAL OF FINANCE October 2021
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