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Old 10-20-2004, 11:11 PM   #1 (permalink)
 
Merlocke's Avatar
 
Location: Canada
Canadian Tax Savings

My Tax saving strategies are still going strong for the Canadians out there. Drop me a PM and I'll send you info that would be the most beneficial to your situation.

I'll need your province - and your apx annual income from this year to get started.
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Old 10-20-2004, 11:18 PM   #2 (permalink)
 
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Location: Canada
Here's one strategy based on the Canadian Humanitarian Trust system:

========================================
Based on a 10 unit** donation:
Donations
Cash portion of Donation $3,450
Essential Medicine Units from Trust $10,000
Calculations
WHO Lien Amount $1,800
Total Receipt Value $13,450 - $1,800
$11,650

Tax Credit and Tax Savings $5,091
Less: Out of Pocket Cash $3,450

Equals Net Positive Cash Position: $1,641*

*based on a 43.7% tax credit within BC.
Different numbers for different provinces - just ask - it's not hard for me to convert it.
=========================================
**Based on Unit Highest Pricing in December.
Earlier transactions will receive discounts.


If you don't have larger amounts of income - I have program outlays which start around the $1000 mark as well (naturally you get it all back in your tax refund). I'll be happy to share my calculations with you if you PM me. You can drop them into Quick Tax to verify how much of a refund you'd get if you want to get down right to the pennies. I'm just here to lend a helping hand to those that are interested.

If anyone wants the quick post on how to save money starting your own business - let me know as well - I'll just have to type it up. . (Canadians only please - I only have enough time to read up on ONE country's tax laws)
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Old 10-21-2004, 12:07 PM   #3 (permalink)
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If anyone wants the quick post on how to save money starting your own business - let me know as well - I'll just have to type it up. . (Canadians only please - I only have enough time to read up on ONE country's tax laws)

-------------------

Merlocke, I have been introduced to the Profitable Charitable gift donations program as of yesterday from a personal contact, I am still skeptical and could use more convincing. In addition I noticed the listing at the bottom of your posting this morning, perhaps shed some light on me there too?
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Old 10-21-2004, 12:30 PM   #4 (permalink)
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Merlocke, along with TFP I am a rookie at tax planning as well, you mentioned in your post on 09-10-2004, 03:13 AM about The Smith Manoeuvre and that more can be found at the bank. Would you be kind enough to share more info on that aspect as well?
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Old 10-21-2004, 01:16 PM   #5 (permalink)
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Location: Lurking. Under the desk.
Yeah, but your canadian tax ideas are only 2/3 as cool as our american ones are.
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Old 10-21-2004, 01:48 PM   #6 (permalink)
 
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Location: Canada
Quote:
Originally Posted by gar1976
Yeah, but your canadian tax ideas are only 2/3 as cool as our american ones are.
Hehe... that's only because the IRS is scarier than the CCRA.
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Old 10-21-2004, 02:12 PM   #7 (permalink)
 
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Location: Canada
Quote:
Originally Posted by SamV
Merlocke, along with TFP I am a rookie at tax planning as well, you mentioned in your post on 09-10-2004, 03:13 AM about The Smith Manoeuvre and that more can be found at the bank. Would you be kind enough to share more info on that aspect as well?

Hi SamV,

You can only do ONE or the OTHER.
Remember these are tax reduction strategies. Therefore - you can only get a return on how much you are paying.

Having said that. The SM works as such: (in general terms)
1) You require a house - with at least 25% equity in it.
2) Take out a second mortgage - based on the equity of said home.
3) Invest money from this second mortgage towards GUARANTEED INVESTMENTS which are equal to - or higher than the interest rate of the mortgage. Don't go blowing this on chicks and booze, the casino, the lottery, or risky markets. (no matter how "easy" they say Foreign Exchange is)

4) You are now able to claim any interest paid on your 2nd mortgage on your tax return as tax credits. However since you're making money on the investments - you're not actually losing anything.

From here - use any of the Extra money from your tax return to Pay down the PRINCIPAL amount of your mortgage. Don't forget to use any extra money you're making from the investments to do the same.


This is just the general high level overview of this method.
Consult with a banker to get this one started as although I understand the method - only a higher level banker would be able to provide you with the proper products in order to accomplish this. The only things I show personally are the methods with Tax Shelters - as I can fully explain those.
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Old 10-21-2004, 02:22 PM   #8 (permalink)
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Merlocke,

Thanks for the info!

It so happens that I work in the FX industry (on the InfoSEC side). Do you trade for your self, clients? Just curious...

sv
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Old 10-21-2004, 03:20 PM   #9 (permalink)
 
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Location: Canada
Quote:
Originally Posted by SamV
Merlocke,

Thanks for the info!

It so happens that I work in the FX industry (on the InfoSEC side). Do you trade for your self, clients? Just curious...

sv
http://eflormata.fxtrainer.biz

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Old 10-21-2004, 03:35 PM   #10 (permalink)
 
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Location: Canada
Quote:
Originally Posted by SamV
If anyone wants the quick post on how to save money starting your own business - let me know as well - I'll just have to type it up. . (Canadians only please - I only have enough time to read up on ONE country's tax laws)

-------------------

Merlocke, I have been introduced to the Profitable Charitable gift donations program as of yesterday from a personal contact, I am still skeptical and could use more convincing. In addition I noticed the listing at the bottom of your posting this morning, perhaps shed some light on me there too?

Which system was it? Give me the name - and I'll give you my synopsis.
And do you really want me to type up the whole business one? (if so - you better read it) :P - It's not THAT long... but I'm lazy

I personally use the following three:
Banyan Tree - minimum $3000
CHT - minimum $3000
Global Learning Gift Initiative - minimum $1000

If you can't afford it - I've got backing from a major Canadian Bank.
Sign with me - and I can wave the magic wand and give you a line of credit.
(only to be used for these strategies) You still have to have somewhat decent credit though.
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Old 10-21-2004, 04:03 PM   #11 (permalink)
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Location: Canada
Quote:
Originally Posted by Merlocke
Which system was it? Give me the name - and I'll give you my synopsis.
And do you really want me to type up the whole business one? (if so - you better read it) :P - It's not THAT long... but I'm lazy
Merlocke,

Please do take a moment to explain to me "the whole business one".

I was introdiced to the CHT program, I imagine that as CCRA shuts down one, another pops up? (Newbie question)
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Old 10-22-2004, 09:02 PM   #12 (permalink)
 
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Location: Canada
Individuals may deduct all expenses incurred in the conduct of the business, provided they are undertaken to earn income, are reasonable under the circumstances and not specifically limited or prohibited.

Examples of business expenses include the following:
Accounting and Legal expenses;
Advertising;
Bad debts;
Business-related memberships;
Business taxes, fees and licenses;
Convention expenses;
Insurance (fire, theft, liability);
Interest and bank charges;
Light, heat and water
Maintenance and repairs (other than motor vehicles)
Office expenses (including postage, stationary, telephone, and other supplies);
Property taxes;
Purchases of materials and supplies;
Salaries;
Traveling expenses;
Workspace in the home (when appropriate)
(For more info please see www.cra-arc.gc.ca)

EARN EXTRA INCOME AND PAY NO TAX, PLUS REDUCE YOUR TAXES FROM YOUR EMPLOYMENT

Example:
Mr. Edward Smith earns $45,000 from his full time employment. He operates a home-based business as a Wellness Advisor and an Agent selling Tax Reduction Plans.
He doesn’t maintain an inventory of products and he employs his 12-year-old daughter to do his record keeping, answer the phone, and several other duties.

NOTE:
(He gets a deduction for the $3,000 annually that he paid his daughter, another $400 in tax credit from the government if $2,000 goes into an RESP. Potential gain; $900 in tax savings + $400 in credit = $1,300).
Here is a possible Business Income Statement for the year 2004 for tax purposes:

INCOME
From Employment $45,000
From Home-Based Business $15,000
Total $60,000
BUSINESS EXPENSES
Licensing $5,000
Bank Charges 500
Wages (paid to daughter) 3,000
Entertainment (50% of 1,800) 900
Home Office 3,800
Office Expenses 1,900
Auto Expenses 1,200
Accounting fees 500
Telephone 900
CCA
(depreciation on computer and car 1,800
Total $19,500
NET PROFIT/(LOSS) $40,500

What then, is happening here?
First, Mr. Smith earned $15,000 TAX FREE from his home-based business. Furthermore, he also reduced his income from employment by $4,500. Assuming a marginal tax rate of 32%, Mr. Smith has a NET GAIN of $16,440 for 2004. If his daughter contributed $2,000 from her “salary” to an R.E.S.P., she will also receive an additional $400 in credit from the government. Owning a Home-Business could be Your Pathway to Financial Independence!

Whew - there.
Anyhoo - if you want your own side business as an agent for the tax shelter programs - let me know. Our team has a few interesting resources unavailable to the others folks. One such example: a VERY strong relationship with a major bank - who grants our customers lines of credit to use for our systems. It's not get rich quick - or overnight though - it's hard work (you have to study a LOT) - but you can realistically make 4-5k a month doing this.
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Old 11-11-2004, 09:32 PM   #13 (permalink)
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canadian humanitarian trust

Hi Merlocke

I've just heard about the Canadian Humanitarian trust tax saving method from a co-worker. He used it when it was called the canadian gift initiative, I think.
Can you give me a little more information. How do I contact the trust? How do I invest in it? Does it have to be completed in this calendar year.?
Thanks Duggy43
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Old 11-16-2004, 10:36 PM   #14 (permalink)
 
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Location: Canada
Quote:
Originally Posted by duggy43
Hi Merlocke

I've just heard about the Canadian Humanitarian trust tax saving method from a co-worker. He used it when it was called the canadian gift initiative, I think.
Can you give me a little more information. How do I contact the trust? How do I invest in it? Does it have to be completed in this calendar year.?
Thanks Duggy43

The CHT system's forms must be completed within the calendar year - yes.
If you are impartial to which charity you donate to - might I suggest to use the Global Learning Gift Initiative instead? - It's a similar system - however the folks that benefit are Canadians without jobs. Although I personally also promote the CHT system, I do believe that we should serve our own country first.
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Old 01-30-2005, 09:06 PM   #15 (permalink)
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Location: Alberta, Canada
Merlocke,

This legislative change will effect the CHT program you promote, won't it?
http://www.cra-arc.gc.ca/newsroom/fa...1125tax-e.html

Thanks
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Old 01-31-2005, 08:12 AM   #16 (permalink)
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Location: Ontario, Canada
Quote:
Profitable Charitable gift donations
From what I can tell, the money you 'get back' is non-contractually bound. Ie, at any time, someone could pull the rug out from under you. Or so it seems on the surface...

I'd definately contact a lawyer before doing anything this .. strange.

Quote:
3) Invest money from this second mortgage towards GUARANTEED INVESTMENTS which are equal to - or higher than the interest rate of the mortgage. Don't go blowing this on chicks and booze, the casino, the lottery, or risky markets. (no matter how "easy" they say Foreign Exchange is)
! I would love to find guaranteed investments with a higher interest rate than a consumer morgage. Can you point me at one?

4.7% 5 year fixed morgage vs 2.8% 5 year GIC. That's a 1.9% gap.

Equal interest rate to the morgage wouldn't do anything. The tax deduction from the morgage would cancel out the income earned from the investment.

Argueably, if you could find a capital investment with a rate of return that matched your morgage interest rate, you'd be golden.

Quote:
First, Mr. Smith earned $15,000 TAX FREE from his home-based business. Furthermore, he also reduced his income from employment by $4,500. Assuming a marginal tax rate of 32%, Mr. Smith has a NET GAIN of $16,440 for 2004. If his daughter contributed $2,000 from her “salary” to an R.E.S.P., she will also receive an additional $400 in credit from the government. Owning a Home-Business could be Your Pathway to Financial Independence!
Um, didn't you just deduct more expenses than you earned from the expenses?

Hmm, looks like you are right:
http://www.taxtips.ca/small_business_income_tax.htm
Quote:
6. If I have a small business, do I have to file both a personal and a business tax return?

The type of income tax returns you have to file will depend on whether your business is incorporated. If you have an incorporated business, you must complete a corporate (T2) tax return for the business, and you must also complete a separate personal (T1) tax return. If your business is incorporated, the business losses (non-capital losses) cannot be used to reduce income on your personal tax return. However, the non-capital losses of the corporation can be carried back, or carried forward to apply against corporate income in other years. For taxation years ending after March 22, 2004, non-capital losses can be carried forward for up to 10 years to be deducted in future years. For taxation years ending March 22, 2004 or earlier, the carry forward period is 7 years.

If your business is not incorporated, then you only have to file a personal (T1) tax return. The income or loss from the business will be included on your personal tax return. With your personal tax return, you will have to file a "statement of business activities" which includes an income statement for your business. If you have a loss from your business, and you have other income such as employment or investment income, then the business losses will reduce the other income on your tax return. If you have business losses which exceed your other income in the current year, they can be carried back, or carried forward to apply against income in other years.

m0k13: thanks.
http://www.cra-arc.gc.ca/newsroom/fa...1125tax-e.html
Quote:
As explained above, the December 5, 2003 amendments reduce the donation by the amount of any advantage.
the above, together with

Quote:
All tax shelter promoters are required by law to report all sales of their arrangements to the CRA.
sort of means that you are just begging to be audited for most of these?

The donation is reduced by the amount of any advantage. So all those 'cash back' situations reduce your donation.
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Old 02-01-2005, 11:20 PM   #17 (permalink)
 
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Location: Canada
Quote:
Originally Posted by Yakk
From what I can tell, the money you 'get back' is non-contractually bound. Ie, at any time, someone could pull the rug out from under you. Or so it seems on the surface...
I'd definately contact a lawyer before doing anything this .. strange.
Actually - I did contact a lawyer - a few of them.

The law department from a large multinational software company took a look at it as well.

After providing them with the articles in the tax act that state these same things - they agreed that it would hold up in court and it was perfectly legitimate.

After asking the lawyers - I thought I'd seek a second opinion - so I showed it to my accountant. Then I showed it to a higher up at one of Canada's major banks. They loved it and even backed me to help people participate. Banks don't seem to make many mistakes when it's dealing with money...

I'm actually showing people a stronger system these days that fits better with my current job. Global Learning Gift Initiative. Similar system - but gives away free courseware to people who can't afford education. It hits closer to home.



Quote:
Originally Posted by Yakk
! I would love to find guaranteed investments with a higher interest rate than a consumer morgage. Can you point me at one?
4.7% 5 year fixed morgage vs 2.8% 5 year GIC. That's a 1.9% gap.
Equal interest rate to the morgage wouldn't do anything. The tax deduction from the morgage would cancel out the income earned from the investment.

Argueably, if you could find a capital investment with a rate of return that matched your morgage interest rate, you'd be golden.
I have to admit - I'm not a master of these things yet. But the banks can do this for you. Or licensed financial planners anyway. It's called the "Smith maneuver" if you want to look it up. I know a few folks who can do it for you if you're looking. Drop me a PM and I'll send you their contact info.

Quote:
Originally Posted by Yakk

Um, didn't you just deduct more expenses than you earned from the expenses?

Hmm, looks like you are right:
http://www.taxtips.ca/small_business_income_tax.htm
m0k13: thanks.
http://www.cra-arc.gc.ca/newsroom/fa...1125tax-e.html

the above, together with
sort of means that you are just begging to be audited for most of these?
The donation is reduced by the amount of any advantage. So all those 'cash back' situations reduce your donation.
[/QUOTE]

Actually - Global has been around for 3 years. CRA has never questioned the worth of the courseware given - ever. We use the same appraisers that the CRA uses to make sure we're legit. Also - nobody using this system has been audited since we actually donate some of the materials to the Canadian prison system to help people there find honest jobs when they get out, etc. A few government places get help from our systems as well. It's actually even been given the thumbs up by an ex-minister of Finance (old head of CRA)

If someone really wants to do all of the reading - it's all in the Tax act. PM me if you're seriously thinking of reading the articles but I'll warn you it's not much of a fun read.

Using systems like these - I've raised 160,000 in cash and 480,000 in goods for charities in Canada. I've seen the change it makes - and I've done my research enough to feel good about what I do. If it helps save some people a little money, it helps the charities out, and it's legal and isn't challenged by the government - then I think it's a good thing.

If you don't want to do the research and take a look at a different way of directing your tax dollars - that's fine too. I was a skeptic until I took a deeper look, and now I'm preaching it to anyone that's willing to listen.

Who am I? A nobody. Honestly - I don't even have a Financial Background. I'm a techie. But if a nobody who isn't even in the industry can raise over half a million for charity once in their lives and actually see a small change in the country - imagine what would happen once someone with strong leadership abilities were to find out and help this grow. I just do what I can.
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Last edited by Merlocke; 02-01-2005 at 11:26 PM..
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Old 02-12-2005, 05:43 AM   #18 (permalink)
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Location: Calgary
My Dad's an personal tax account, and we've seen some pople talking about this.
Basically right now, it's grey market. CCRA has basically said this WILL be illegal next tax year, and anyone using it right now how to watch out.
Just a word of warning.
(if you don't do you own taxes, any accountant worth his salt would warn you about it)
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Old 12-06-2005, 02:38 PM   #19 (permalink)
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These warning having been coming out from CRA for over 5 years now. They changed the laws in 2003, but CHT and a few others have found a way around them. As a fact, their strategy is completely legal. You can get some more legal advice on eglobalinvestments.com . I used these agents for 3 years and my friends for 5 years, all of us got our refunds everytime. One of my friends is an computer engineer and got back 30K as his refund!!
Oh, one last note, CRA has 3 years to reasses you, not 7 like most people think. And if use the program and CRA changes the laws on you afterwards, you are safe but that will effectively shut the program down, until they find new loopholes.

There is a lot of misinformation out there, if you are serious about this strategy take your time and do your homework.

Last edited by captlu; 12-26-2005 at 01:08 PM..
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Old 01-10-2006, 07:45 PM   #20 (permalink)
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New 2006 Tax Shelter - 175%+ Return

Pinnacle Financial and Destiny Group have launched their new 2006 Tax Shelter. In 2005, they ran Universal Healthcare Trust (Gift In Kind - pharmaceutical) and Destiny Gifting Initiatives (cash, leveraged). I have personally donated with this group for several years with great returns and customer service.

The New 2006 Tax Program is a hybrid of the two and boasts an amazing return of 175%+ (depending on your province and tax bracket). I believe they are launching the program on Jan19/06. The 175% return is only available if you sign up in January or February of 2006, the return decreases over the course of the year. Best to get in now! The program also allows monthy installments (no other company offers this option). So if you don't have the money upfront, if you commit to a monthy payment plan in January or February, you still get the 175%.

The program is by far the strongest in the business and offers the highest return. It is virutally untouchable by CRA.

They are also offering some new investments and Limited Partnerships (I'll find out more after the 19th).

I have been dealing directly with head office with one of the VP's: Dr. Rana. You can reach him at 1-888-878-9193 Ext.18 or rsingh@destinygroup.biz
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Old 01-10-2006, 09:59 PM   #21 (permalink)
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I have a Q, I goto school in canada, and live here full time, pay taxes, take student loans.... etc....
my parents live in the USA and live and pay taxes there.
I know my schooling is tax deductable, but can I deduct it, and then my parents claim me as a dependant or something down there too?
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Old 01-27-2006, 12:28 PM   #22 (permalink)
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Location: Ontario, Canada
If it sounds too good to be true, it is probably a scam. Please be careful who you send your money to.

Quote:
I have a Q, I goto school in canada, and live here full time, pay taxes, take student loans.... etc....
my parents live in the USA and live and pay taxes there.
I know my schooling is tax deductable, but can I deduct it, and then my parents claim me as a dependant or something down there too?
Canadian education tax credits are (now) intended to be used by the student. You can hold them over from year to year, and use them once you graduate even.

In the past you could give leftover education tax deductions to people who supported your education, but I believe they got rid of that.

About 18% of the money you spend directly on education is given as a tax credit (not a tax deduction). These tax credits reduce the tax you owe directly -- they don't reduce your income. If you don't spend your education tax credits this year (because you aren't paying enough taxes to use them all, say), you can save them for later years until you are paying taxes.

In Canada, you can be a dependant of your parents and still claim these tax credits. I see no reason, naively, why this wouldn't still work if your parents are in the USA.
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Old 01-27-2006, 01:20 PM   #23 (permalink)
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sounds good... I dont really understand taxes @ all!
Its like gambling to me, sometimes you win, sometimes you lose.
can be big or small.
I havent really paid any taxes this year, I worked during the summer, that was it.
Now Ive recently just received a new PT job that I only will get $2-300 a month at.
so ill probably have to do that where I carry my tax on to next year.
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Old 02-16-2006, 03:46 PM   #24 (permalink)
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To Reduce tax you may look for an offshore bank account http://www.openoffshorebankaccountsfornonresidents.com
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Old 02-23-2006, 08:24 AM   #25 (permalink)
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Location: Ontario, Canada
Quote:
Originally Posted by Temporary_User
sounds good... I dont really understand taxes @ all!
Its like gambling to me, sometimes you win, sometimes you lose.
can be big or small.
I havent really paid any taxes this year, I worked during the summer, that was it.
Now Ive recently just received a new PT job that I only will get $2-300 a month at.
so ill probably have to do that where I carry my tax on to next year.
When you file your taxes, you'll want to put the educational amounts in there. If these reduce your owed taxes to zero, then you get to carry them over to another year. Naturally these deductions only work on Canadian income taxes, not US income taxes.
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Old 03-30-2006, 05:38 PM   #26 (permalink)
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info

h i j ust a

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Old 04-11-2006, 02:07 PM   #27 (permalink)
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you have a website with all that useful info?
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Old 09-27-2007, 07:32 AM   #28 (permalink)
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New Tax Saving Program

A new and unique tax saving program is now available to Canadians. This new program was designed to address the issues that Rev Canada has with other donation program. I believe that this is worth lookng into. If anyone interested, PM me.

Last edited by The_Jazz; 09-27-2007 at 07:57 AM..
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Old 10-02-2007, 04:57 PM   #29 (permalink)
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Quote:
Originally Posted by mford
A new and unique tax saving program is now available to Canadians. This new program was designed to address the issues that Rev Canada has with other donation program. I believe that this is worth lookng into. If anyone interested, PM me.
I am interested. I did PM you but haven't received your response. Thanks.
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