January 15, 2005 - vlambaram
January 15, 2005 - vlambaram
January 15, 2005 - vlambaram
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v‰men vRiyk> appleiqt>ˇk>kd>d ÂDÁme? 3<br />
T‰m>pp> wpqp>pÎKn>qWte, af>t v‰dm> aˇ<br />
vRk>applez>zeKn>qWt ån>pWt Aapplem>. Atlel><br />
A›.A›.åc>.P It> T‰m>pp> wpŒÂn> fl>l<br />
vR AWleskRdm> AWlesin wpŒtl><br />
flm>. A›.A›.åc>.P T‰m>pp> wpqp>pd>dtq>apple<br />
aidyezmek T4 A›.A›.åc>.P<br />
trp>pÎKn>qˇ.<br />
fen> åv>vz◊ wteikiy A›.A›.åc>.P<br />
Yl> wsÒt>tlem> ån>Œ Wkd>klem>.<br />
åZimyekp> pTl> wsel>vtenel> wsn>q<br />
Ax>Î ƒb>kz> sm>peTt>t v‰ment>Tl><br />
18st√tm> vir A›.A›.åc>.PYl><br />
wsÒt>tlem> ån>Œ wsel>llem>. vR<br />
wpR. Ât>ˇremn˘<br />
A›.A›.åc>.P ∫lm> vRiyk> appleiqt>ˇk><br />
wkez>z vU wkeÎk>Kn>qˇ. pz>Zk>Ødm><br />
mq>Œm> plkilk>kukb>kZl> pDk>applem><br />
mexv›kz> ÅWte v‰ment>its><br />
sm>peTk>Kqe›kz>. Anel> vR<br />
wsÒt>tk>ØDy az◊k>apple v‰menm> El>il<br />
ån>Œ ivt>ˇk> wkez>Wvem>. at>tikyv›<br />
k¸m> v‰men vR pDvt>its> sm›p>Pt>tl>,<br />
av›k¸k>apple åT›kelt>Tl> v‰men vRiy<br />
A›.A›.åc>.P Yn> ∫lm> appleiqk>k …t◊m>.<br />
Eit o‰ …terxt>Tn> ∫lm><br />
Vzk>appleWvem>.<br />
Etq>apple Ân> Etu>kZl> pe›t>tTl> Sl<br />
aDp>pid Vprb>kiz Fin◊ Ø›f>ˇ WmWl<br />
wted›Wvem>. vRt>Td>dMdl> ån>pˇ v‰dm><br />
¯vˇm> wsy>y Wvx>Dy wsyl>. av>veŒ<br />
wsy>tTn> plin Åp>rl> metm> aŒvid<br />
wsy>ylem>.<br />
∫n>Œ Enb>kz> Âk>Kymek vRiyk><br />
appleiqk>Kn>qn.<br />
1. vRWy El>let v‰menm>: …terxm> -<br />
vekn Vpt>ˇp>pxm>, knde appleuf>it<br />
vRs>sÒik ÂtLyn.<br />
2. kU◊kz> (Deductions)<br />
3. vr◊kz> (Credit)<br />
kU◊kz>, v‰menm> Ød …z>zv›k¸k>apple<br />
vRiyk> appleiqys> wsy>Kn>qn. T‰m>pp> wpq<br />
ÂDyet vr◊kz>, vRiyp> ºs>Symekk><br />
appleiqk>k …tvlem>. Anel> px vriv<br />
al>lˇ arseb>kk> keWseiliyp> wpq>Œt><br />
treˇ.<br />
vRt>Td>dMdLl> me›Jnl> rk>c> Wrd><br />
(Marginal Tax Rate) Âk>Ky pb>apple<br />
vKk>Kn>qˇ. me›Jnl> rk>c> Wrd> 38<br />
st√tm> ån>qel> …b>k¸k>apple v‰menmekk><br />
Kidk>applem> ov>wve‰ wdel› kUVÒm><br />
ƒb>kz> 38 st√tt>its> WsMk>Kœ›kz> ån>Œ<br />
wpe‰z>.<br />
vRkizk> appleiqk>k Mk◊m> pyn>pÎm><br />
…peym> kU◊kz> mq>Œm> vRkiz ÂDf>t<br />
vir aTkp>pÎt>T vRk>applez>zeapplem><br />
v‰ment>itk> appleiqp>pWt Aapplem>.<br />
atq>apple fem> Åq>wknWv pe›t>t o‰ …peym>.<br />
Wvilk>apple E‰f>teÒm> wsef>tt>Tl><br />
¯WfrmekWve, pappleT WfrmekWve<br />
wsef>tt>wteUl> on>iqs> wsy>ˇ v‰vˇ<br />
Aapplem>. wsef>tt> wteULl> v‰m><br />
fd>dt>itÁm>, Sl Fpf>tink¸k>appled>pd>Î<br />
sm>pz v‰ment>TL‰f>ˇm> appleiqt>ˇk><br />
wkez>z ÂDÁm>. wsef>tt> wteUl> wsy>Ám><br />
Wpeˇ, appleQp>pek √d>DL‰f>ˇ wsef>tt><br />
wteUl> wsy>Ám> Wpeˇ pl √d>Îs><br />
wsl◊kZl> o‰pappleTiy Vyepers> wsl◊<br />
kzekk> ked>d EyÒm>. …terxt>ˇk>applep><br />
Pn>v‰vnvq>iq wsel>llem>. √d>Î<br />
vedik, √d>Î En>‹rn>c>, Mn>ser, tx>≈›<br />
wsl◊kz> ÂtLyn.<br />
v‰ment>it Vd Ød v‰m> wsl◊ten><br />
fd>dm>. Ân>wpl>lem> fd>dt>it aBmTk>k,<br />
wrVn>§ knde - CRA oWr o‰ Wkz>Viyt><br />
ten> Wkd>dˇ. af>tk> Wkz>V “vR kd>Îpv›<br />
wsy>Ám> wteUl>, Fyeymekp> pe›t>tel><br />
Elepf>trk>ØDyte? Ef>tk> Wkz>VYn><br />
aDp>pidYl> wsef>tt> wteUl> wsy>ˇ<br />
fd>dt>it aidf>t pl‰k>apple Fyeymen<br />
pln>kz> mŒk>kp>pd>dn. Ef>Fil 2002El><br />
Ax>Dn> knDy Íp>®m> Wke›Dn> †›p>Pnel><br />
meqt> ˇvb>KÁz>zˇ. af>tt> †›p>∏ “vR<br />
wsÒt>ˇpvRn> Vyeper Ïd>p aQ◊ (al>lˇ<br />
aQVn>im) wteUl> v‰m> fd>dt>itt><br />
†›meNk>applem> oWro‰ kerXyek<br />
E‰k>kk>Ødeˇ. pl kerXkz> aˇ◊m><br />
on>qekk> k‰tp>pdlem>.” †›p>pekk><br />
k‰tp>pÎKn>qˇ.<br />
Ep>Wpeˇ RRSP ån>Œ wsel>lp>pÎm> pT◊<br />
wsy>yp>pd>d Oy>GTy WsMp>∏Td>dm><br />
(Registered Retirement Savings program)<br />
åv>vz◊ vRiyk>appleiqk>kp> pyn>pÎm><br />
kUvek (Deduction) …z>zˇ ån>Œ<br />
pe›p>Wpem>.<br />
Ef>t A› A› åc> Piyp> pq>Q mk>kz><br />
aTmekk> Wkz>Vp>pÎvˇm>, WpÍvˇm><br />
wpp>rvR metm>ten>. Åwnn>qel><br />
ap>Wpeˇten> af>t A› A› åc> Pk>applep><br />
pxm> wsÒt>t v‰def>Tr kidSt> WtT<br />
v‰Kn>qˇ. …x>imyekp> pe›t>tel><br />
Oy>GTy WsMp>∏k>applem>, Oy>◊ wpŒtÒk>applem><br />
wpRy sm>mf>tm> E‰p>ptekt> wtRyVl>il.<br />
vR wsÒt>ˇvitt> temTk>k◊m>,<br />
appleiqk>k◊m> pyn> pÎt>tpÎm>. AÁtmekWv<br />
wtRKn>qˇ. Ef>t A› A› åc>P I,<br />
vb>Kkz>, En>‹rn>c> km>wpNkz>, rc>d><br />
(Trust) km>wpNkz>, MÁs>Ívl> px>d>c><br />
(Mutual Funds), mq>Œm> ab>˚kRk>kp>pd>d<br />
FŒvnb>kZn> ∫lmeks> WsMk>klem>.<br />
ƒb>kz> wsÒt>ˇm> A›. A›. åc>. P<br />
WfrDyek …b>kz> v‰ment>TL‰f>ˇ<br />
appleiqk>kp>pÎKqˇ. av>veŒ appleiqf>tPn><br />
v‰m> v‰ment>ˇk>Wk vR<br />
kxk>Kdp>pÎKn>qˇ. A›. A›. åc>. P<br />
wpeˇvek åf>t v‰dm> kd>dp>pÎKn>qWte,<br />
af>t v‰dm> vR appleiqKn>qˇ. WmÒm><br />
A›.A›.åc>.P WsMp>∏ vR El>leml><br />
vz›Kn>qˇ. åf>t v‰dm> A›.A›.åc>.P<br />
T‰m>pp> wpqp>pÎKn>qWte af>t v‰dm><br />
v‰ment>ˇdn> Ws›k>kp>pd>Î vR<br />
aTkRk>Kn>qˇ. wpeˇvek Oy>◊ wpq>q Pn><br />
v‰menm> appleiqy E‰k>applem> ån>Œ<br />
k‰tp>pÎvtel>, at>tiky smyt>Tl> Ef>t<br />
A›.A›.åc>.P I T‰m>pp> wpq>qel> vR<br />
aWfkmek El>lemWle, appleiqyWve<br />
E‰k>kk> ØÎm>.<br />
vR wsÒt>ˇvitt> tz>Zp> Wped Mk◊m><br />
…t◊vˇ A›.A›.åc>.P Wy. Âk>Kymek<br />
FinVl> wkez>z Wvx>Dyˇ<br />
ån>nwvn>qel> A›.A›.åc>.P åf>t v‰dm><br />
wp‰m>peÒm>, åv>vz◊<br />
A›.A›.åc>>.P Yl> kd>dlem><br />
ån>ptq>apple ƒb>kz> kxk>apple<br />
åˇ◊m> Wpedt>WtivYl>il.<br />
Ef>t v‰dt>ˇ 2004 k>apple ƒb>kz><br />
åv>vz◊ A›.A›.åc>.PYl><br />
wsÒt>tlem> ån>pˇ 2003Am><br />
v‰dt>ˇk>ken knde wrVn>§<br />
Åjn>CYn> (CRA) vR VTp>∏<br />
Wfed>∂c> (Notice of Assessment)<br />
Im> pe›t>teWl wtRÁm>.<br />
wsÒt>ˇpv› Wvil wsy>Ám> Edt>Tn><br />
∫lmek wpn>sn> al>lˇ Oy>GTyt>ˇk>apple<br />
WsMt>tel>, af>tt>wteik, 18st√t<br />
A›.A›.åc>.P wteikk> kxk>˚d>∂l><br />
kvnt>Tl> wkez>zp>pd>Î sR<br />
wsy>yp>pÎKn>qˇ.<br />
wp‰m>peÒm>, åv>vz◊ A›.A›.åc>.P Yl><br />
kd>dlem> ån>ptq>apple ƒb>kz> kxk>apple åˇ◊m><br />
Wpedt>WtivYl>il. Ef>t v‰dt>ˇ 2004<br />
k>apple ƒb>kz> åv>vz◊ A›.A›.åc>.PYl><br />
wsÒt>tlem> ån>pˇ 2003Am> v‰dt>ˇk>ken<br />
knde wrVn>§ Åjn>CYn> (CRA) vR<br />
VTp>∏ Wfed>∂c> (Notice of Assessment) Im><br />
pe›t>teWl wtRÁm>.<br />
sR, …b>kz> ikvsm> vRVTp>∏ Wfed>∂c><br />
El>ilwyn>qel>, wteilWpS åx> 1-800-<br />
267-6999 wted›∏ wkex>del>, av›kz><br />
ƒb>kz> åv>vz◊ wteikiy A›.A›.åc>.P<br />
Yl> kd>dlem> ån>q Vvrt>itk> ØŒve›kz>.<br />
Âf>ity Ax>Î v‰ment>Tl> 18st√tm><br />
vir A›.A›.åc>.P Yl> kd>dlem> ån>Œ<br />
pe›t>Wtem>. ånWv vR kd>d Wvx>Dy az◊<br />
v‰menm> El>il ån>qeÒm>, v‰menvRp><br />
pDvt>it Ax>ÎWteŒm> …RyWtTYl>,<br />
CRA k>apples> sm›p>Pt>tl>, åT›kelt>Tl><br />
rV pTneŒ vytek E‰k>applem>Wpeˇ<br />
pappleTWfr Wvil on>iqs> wsy>y<br />
Arm>Pk>Kqe›. Ax>Î WteŒm> sm>peTt>t<br />
wteik $4,000. Ef>t v‰ment>ˇk>apple<br />
vRp>pDvm> sm›p>Pk>kt> WtivYl>il<br />
ån>qeÒm> av› vRp>pDvt>it CRA k>apple<br />
Ax>Î WteŒm> aBp>P v‰Kqe›. Etn><br />
kerxmek 22vyTl> pl>kilk><br />
kukt>TL‰f>ˇ pd>dm> wpq>Œ wvZWyŒm><br />
smym> av‰k>apple A›.A›.åc>.P Yl><br />
wsÒt>tk>ØDy wteikyek $4,000 k>apple Wml><br />
E‰k>applem>. kxk>apple Eˇten>. 6 v‰db>kZl><br />
sm>peTt>t wteik 4,000 x 6 =24,000. ETl><br />
18st√tm> $4320. Ef>tt> wteikiy<br />
vRk>kd>d Wvx>Dv‰m> v‰db>kZl><br />
A›.A›.åc>.P Yl> wsÒt>T af>t<br />
Ax>Îk>ken vRiyk> appleiqt>ˇk><br />
wkez>zlem>. rV vRp>pDvt>it 16<br />
vyTL‰f>ˇ pappleT Wfr Wvilk>apples><br />
sm›p>Pk>keml> E‰f>T‰f>tel> Ef>t<br />
A›.A›.åc>.P vey>p>∏ Kidt>T‰k>keˇ,<br />
El>ilye?<br />
A›.A›.åc>.P Yl> pxm> wsÒt>Tnel> åf>t<br />
v‰dt>ˇ vRiyk> appleiqk>kp> pyn>pÎt>tlem><br />
ån>pˇ aÎt>t Wkz>V. atq>ken pTl><br />
EWte<br />
1. åf>t Ax>Dl> A›.A›.åc>.P<br />
wsÒt>tp>pd>dWte af>t Ax>Îk>applep> pyn><br />
pÎt>Tk>wkez>zlem>.<br />
2. v‰dm> ÂDf>t 60 Tnb>k¸k>applez> (me›s><br />
1k>apple Âtl>) wsÒt>tp>pd>D‰f>tel> Âf>ity<br />
Ax>Îk>applep>pyn>pÎt>Tk> wkez>zlem>.<br />
…terxt>ˇk>apple o‰v› <strong>2005</strong> wpp>rvR 28El><br />
A›.A›.åc>.P Yl> pxm> kd>ÎKqe› ån>qel><br />
Ef>tt> wteikiy v‰dm> <strong>2005</strong>k>applem><br />
pyn>pÎt>Tk> wkez>zlem>. v‰dm> 2004k>applem><br />
pyn>pÎt>Tk> wkez>zlem>. o‰ fl>l vR<br />
AWlesk› …b>k¸k>applet> tapplef>t<br />
AWlesiniyk> Øqlem>.<br />
3. A›.A›.åc>.P Yl> wsÒt>Ty wteikiy<br />
Pn>v‰m> åf>t v‰dt>ˇk>applem> pyn>pÎt>Tk><br />
wkez>zlem>. WmWl appleQp>Pdp>pd>d<br />
…terxt>itWy åÎt>ˇk> wkez>Wvem>. <strong>2005</strong><br />
wpp>rvR 28El> wsÒt>Ty A›.A›.åc>.P<br />
wteikiy v‰dm> 2006 k>Wke al>lˇ<br />
atq>applep> Pqapple v‰db>k¸k>Wke Ødp><br />
pyn>pÎt>Tk> wkez>zlem>.<br />
A›.A›.åc>.P iyp> pq>Qy Sl aDp>pidt><br />
tkvl>kizÁm>, Sl Sqp>∏t> tkvl>kizÁm><br />
aÎt>t EtUl> pe›p>Wpem>. Ek>kd>Îir<br />
ASRy‰dn> wted›∏ wkez>z wteilWpS<br />
åx> - 416-430-0623<br />
• • •<br />
vRt>Td>dMdl>, FT AWlesinkz>, kxk>Kyl> mq>Œm> v‰men vRs> Wsiv k¸k>apple wpR. Ât>ˇremn><br />
Successbizsolution au. Ât>ˇremn> 416-430-0623<br />
Vzm>prm> pt>TRik Vzm>prm> pp>k>Wk∑n≥c< Al><br />
wvZYdp>pÎKqˇ. Vzm>prt>Tl> wvZyeapplem><br />
Ak>kb>k¸k>apple å¯t>tez›kWz wpeŒp>pez›kz≥.<br />
pTp>∏Rim: 2004 Vzm>prm> pp>Zk>Wk∑n≥cprt>Tl> wvZyeapplem> Ak>kb>kb>kiz ¯¯imyekWve, pappleTyekWve<br />
ASRyRn≥ å¯t>ˇ ∫l aBmTYn≥Q mŒPrÍrm> wsy>tlekeˇ.<br />
Vlambaram, P.O. Box 37527, 31 Tapscott Road, Toronto, ON M1B 5P9, Canada<br />
TEL: 416-282-8059, FAX: 416-282-4978<br />
e-mail: <strong>vlambaram</strong>@sympatico.ca<br />
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