Filed under government

Did Toronto Star reporter Royson James just call me a Simpleton?!?

Whenever I see articles that come from the Toronto Star which relate to Toronto Mayor Rob Ford, I cannot resist the temptation to read through them – not to see what the Star has to say, but more to see how the Star spins it to show the Mayor in a negative light.  Clearly still upset that Ford will not speak with them because of their pro-George Smitherman, anti-Rob Ford stance in which they tried to promote Smitherman for teh top post in the city even though the Pronvicial Ministry he oversaw wasted a BILLION dollars of taxpayer’s money.  Since that time, The Star just keeps finding ways to alienate readers through their opinions on Toronto City Council and the Mayor.Rob Ford, mayor of Toronto

But, the article that came out on February 14th was a classic, even for the Star!

In this article (and I noticed there was nowhere to leave comments), author Royson James takes three pot shots.  One at Mayor Ford, one at voters in the City of Toronto and one at those of us who are fiscally conservative.  I could not believe my eyes.  I actually reread the article 3 times.

The Title of this article is; “Ford’s ‘mandate’ not what it appears – Most voters neither expect nor want Rob Ford’s campaign pledges to be fully fulfilled.”

How could I not read on…

Shot number one comes in the first paragraph, here; “Torontonians left no doubt that they wanted Rob Ford as their mayor when 383,501 of them — 47 per cent of those who voted — chose him to lead the city in 2010.”  47%, eh?  So 53% didn’t want Ford is what I am reading here and why that is important to point out, I don’t know other than to make the point that there was not a clear mandate from the citizens in Toronto to have Ford there, or to point out to voters that if 53% vote for a certain candidate in the next election, Ford will not be re-elected.  Either way, not so important in this article but worth noting.

Shot number two comes in this sentence; “Except for a few simpletons and wilfully blind acolytes who consider grants to cultural and community groups a waste of tax dollars, few drank the Kool-Aid. Most citizens liked the rhetoric. Few expected he could carry out his threats. City council wouldn’t allow it.”

I’m sure Royson didn’t mean to imply that by “drinking the Kool-Aid” that people were just following a leader blindly to death as referenced in the Urban Dictionary; A reference to the 1978 cult mass-suicide in Jonestown, Guyana.  Jim Jones, the leader of the group, convinced his followers to move to Jonestown and then late in the year ordered his flock to commit suicide by drinking grape-flavoured Kool-Aid laced with potassium cyanide.  In what is now commonly called “the Jonestown Massacre”, 913 of the 1100 Jonestown residents drank the Kool-Aid and died.  One lasting legacy of the Jonestown tragedy is the saying, “Don’t drink the Kool-Aid.”  This has come to mean, “Don’t trust any group you find to be a little on the kooky side.” or “Whatever they tell you, don’t believe it too strongly”.

Even more interesting is the use of the term “Simpleton”, because only a “simpleton” would consider grants to cultural and community groups a waste of tax dollars – well, I guess we need to re-define simpleton for Mr. James, because this simpleton (armed with a MBA) - and probably many of the 47% who voted for a stop to the “Gravy-train” have plenty of issues dismissing that any funding – even to community groups and cultural organizations –  is not being duplicated through another part of government or to assume that 100% of any funding – no matter to whom and for what - is used for what it was requested for, or that these organization need to be funded by the taxpayers of Toronto at all.

To wave a hand and insult any fiscally conservative person in the Greater Toronto Area is not only insulting but a little short-sighted unless Mr. James knows for a fact where each dollar of grant money goes and that each and every cent is being used according to plan.  Or maybe Mr. James prefers that those in the city who earn the most money simply keep their wallets open for the local government to use as their bank account whenever they need money or want to sue someone to prove a point.  This narrow-minded left-wing attitude in the City has to be stopped.  If the City spent more time performing checks and balances on where the money goes when it leaves City Hall and less time looking to see how it comes in (ahem: $3500 donation to a football team), our taxes would not be so high, our streets and infrastructure would not be crumbling and City Council might work better.

I mean when you write this; “For one, the mayor’s promises of cuts to government spending rested on the shaky ground of no service cuts. Ford has cut some services, so the foundation of the promise and mandate is fractured” and don’t or cannot name the service cuts (if there were any at all), then you are eluding to something which may not be there, maybe so the “simpletons” who read your articles will think Ford is a fraud.

So no matter how much the Toronto Star tries to justify the agenda of the left, or promote their own agenda at City Hall, they have to realize that by making comments like this, “If citizens expect the mayor to do the best he can to achieve his campaign promises — not necessarily achieve them 100 per cent — then the same citizens expect city councillors to save the mayor from doing outrageous things.  Apparently, at city hall, the mayor’s mandate is not sacrosanct; it’s as flexible as the mayor’s ability to convince and win over city council with sound arguments and compromise.”  When in actual fact, citizens want the councillors to not “save” Ford, but “Support” Ford.  The Mayor will not be able to work with Council not because he’s a brute, or a bully, but because the majority of Councillors on Council have fundamental differences in opinion as to how they personally feel about the role of government and are unable (or unwilling) to cast that aside and work on a truly non-partisan council.

Did you know, Mr. James that before the election, I reached out to my City Councillor, Joe Mihevc and asked him on the phone and then again in an email if he would support Rob Ford as Mayor of Toronto, if Ford was elected, because if he said yes, he would get my vote as councillor.  If Mr. Mihevc said no, then my vote would be directed elsewhere.  Mr. Mihevc was adamant that he would support Ford as Mayor and work with whomever was chosen to represent us, his constituents, blah, blah, blah.  Then the moment Ford was elected, there is Mr. Mihevc blathering about what a poor choice it was and how he would need to keep Ford in check and now 2-years later, each newsletter.

Here was Mihevc even before the election; “it is absolutely imperative that I/we do everything possible to stop Rob Ford from becoming mayor. This is a powerful driver for me. Rob Ford and his associates would destroy so much that we value about our city – its diversity, animated neighbourhoods, care for the newcomers and the poor, our quality of life. Very simply, and without getting too personal, I have watched him for the last 10 years as a colleague on Council, and Rob does not have the skill set required to lead a complex city hall and its agencies. Simple one-liners, an angry persona, a divisive disposition is not leadership and will only hurt Toronto.  Under Rob Ford, City Council will not function, our city agencies will be in disarray, economic development will be hurt and our city will suffer in many ways.”

Short of predicting that a Ford win would topple the CN Tower, maybe Mihevc was worried that a right-wing council would question how a $42-million dollar St.Clair traffic right-of-way turns into $142 million dollar driving disaster.  Say what you will about St. Clair – pro or con – but to drive it is a fiasco and with parking already at a premium they’ve done a great job to ensure that those outside the strip find other streets to shop along because of the headaches involved in waiting in long-lines or making left-turns.  Expecting residents to use public transit because you think they should is not the mandate of Council, and if they really cared about moving people quickly in cars, on foot, through transit and on bikes, they would build subways already, open up the road and add dedicated bike lanes and enforce rules for cyclists.

I’ve called him on it and will continue to call him on it because my ward does not deserve to be represented by someone who will tell you one thing to get elected, then another once in power.  All along, Ford said what he was going to do, and every day in office, the left find ways to hold up council, make Ford look bad and slow down the proceedings at City Hall.  Hello… Bag tax?!?

I digress.

So before the Star calls out the citizens of Toronto for their support of Ford keep in mind that the 47% who voted for Ford want AND expect him to cut waste in government, and reduce the red tape, and where red tape should not exist, make that go away too.  If City Council does not want to get in line and follow – if they want to go more than 3-times over budget and try to explain it away on additional hidden repairs – then that tells me that they either have no idea how to plan through a project from start to finish or that they just don’t give a damn about taxpayers money and they will continue to spend, then raise taxes and blame it away on Ford’s inability to run council, or on his weight, either one.

I’m sorry, Mr. James, but I cannot and will not support a councillor, or council, who disrespects and takes for granted my tax dollars, any longer.  I trust you understand this simpleton and understand that for all the negatives that come with Mayor Ford, the positives far outweigh them (pun intended).

P.S. I have actually used big words like ”Sacrosanct” before (Regarded as too important or valuable to be interfered with.  Holy.)

Shucks.

I’m such a simpleton.

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Thursday Thirteen – My 13 Most Memorable Posts of my first 900 Posts.

So this is my 900th blog post here at The Urban Daddy.  

A lot has happened in the time it has taken me to write 900 posts here.  3 children, 8 years of marriage, a lot of education and thankfully, my writing has improved too.  I’ve noticed that people actually read stuff I have written and I’ve started a professional tax / management / social media blog which has just over 100 posts on it, so I won’t bore all of you with that kind of yucky stuff here.

This post was actually ready last Monday, but I decided to wait until Thursday so I could capitalize on the Thursday Thirteen theme, but along the way I got my ass thoroughly kicked by a flu which has been slowly rolling through our household.  My son Stewie started with it - received an anti-biotic – and still 5 weeks later coughs like a chain-smoker.  Then my wife and daughter got hit around the same time, Boo had horribly goopy and runny eyes and had trouble sleeping at night.  My wife, the woman who laughs off strep throat, had it and tried to rest where possible but both of them still cough and sniffle 4 weeks later.  

As for me… It killed me.  I’m on day 8, 5 of those days without a voice which has never happened to me before, and for three of those days my head is stuffed and I cannot hear out of my left ear.  It throws off my balance.  But the coughing is the worst and at times I felt like I was going to herniate another disc in my back.  I think my abs might be in better shape after this, to be honest, but I’ve been pretty useless for over a week – fever, chills, sweats, exhausted… I’m so done with being sick.

So instead of letting another day fly by, I am tossing up this post, which is a list of the 13 most memorable posts to me, on this blog.  I hope you will take some time and check back to some of the earlier ones to see how much has changed along the way.

So please sit back, turn the calendar back to 2004, and be prepared to read the 13 most memorable posts to this Urban Daddy of his first 900 posts.

1) This is my first post on this blog.  Have to start somewhere, right.

http://urbandaddy.wordpress.com/2004/02/28/what-happened-in-february-that-may-come-back-to-haunt-the-world-in-the-future/

2) Linus was born and we missed a major world tragedy in the process.  Had to write about it.

http://urbandaddy.wordpress.com/2004/12/28/we-had-a-baby-while-the-world-suffered/

3)  The re-birth of my blog and my first angry rant at the TTC and other stupidities.  I got great feedback on this post and it gave me confidence to be myself online, to blog smartly and continue to point out how much I detest stupidity.

http://urbandaddy.wordpress.com/2006/05/29/ttc-the-betterway/

4) My first Thursday Thirteen from way back in 2006.  (Loved the templates back then).

 http://urbandaddy.wordpress.com/2006/06/16/thursday-thirteen-i-hope/

5) Owie!!!  Our kitten arrived and back then it seemed like a great introduction to the family.  Now my kids look at that kitten, then look over at the adult-sized cat on the couch and wonder how that happened.  “Did Owie eat that little kitten?”

http://urbandaddy.wordpress.com/2006/06/21/whew/

6) I reposted this speech from the United Nations, an organization I believe is corrupt, useless and anti-Israel and by doing this I pretty much came out as being Jewish – something I had not really done before just because I didn’t feel like fielding comments from bigots and racists.  Since that powerful post, and I hope that you do read this post, I have posted more and more as a means to educate people and to continue to stand up for what is right, just and fair. 

http://urbandaddy.wordpress.com/2006/08/04/very-powerful-speech/

7) Child #2 Arrives!  Hello Stewie.

http://urbandaddy.wordpress.com/2006/10/09/its-a-boy/

8) First post about me…  I guess in always hiding behind a name, it was easy to never post about myself, but this post changed everything.  Since this post, I even got a name; Warren.

http://urbandaddy.wordpress.com/2006/11/02/thursday-thirteen-8/

9) I posted about the day I completed my graduate school for my MBA which I started 3 days after Linus was born.  Work… School… Children.  Exhaustion.  It was a great ride, a ton of work and an opportunity to finally leave the government for the private sector.  I owe my wife and family a ton of gratitude for putting up with me studying while at the cottage, late nights at the kitchen table and for being downright cranky and surely during the process.  I also got a ton of A’s and a couple A+’s which I had never achieved before so that was sweet too.

http://urbandaddy.wordpress.com/2007/12/18/i-am-so-done/

10) This was my first “overheard on a Monday” post where I realized after a couple years that if I arrived at the office before 7:30am, that I could listen to my two neighbours talk about their weekends.  I used to tune them out and get right to work until one day I realized they were talking nonsense, something about double-reverse osmosis, so I called them on it – brought in my wife the chemistry teacher to back me up, and from there I had gems for my blog like no one else.  These are must read posts, as well.

http://urbandaddy.wordpress.com/2008/06/17/overheard-on-a-monday-returns/

11) The First Urban Daddy Official Canadian Coffee Shop Rankings.  I’m on year 4 currently and have received feedback and Twitter love from all the main chains, Country Style, Starbucks Canada, Java Joes, Tim Hortons and Timothy’s.

http://urbandaddy.wordpress.com/2009/01/14/urban-daddys-coffee-shop-rankings-2009/

12) Boo is born!  Insert huge sigh of relief that this one is a girl, and please book the vasectomy appointment…

http://urbandaddy.wordpress.com/2009/11/27/its-a-girl/

13) My absolutely most popular post ever.  On the Ontario election.  My views on this post were 10000% more than any other post, and some of my comments were tweeted along the live election feed of CP24.  I felt engaged.  Now, however, that total mocks me, as I get closer and closer to it, but it will be a long time before I can reach it again.

http://urbandaddy.wordpress.com/2011/10/05/undecided-not-sure-who-to-vote-for-in-the-ontario-election-you-must-read-this/

Thank you for being along for the first 900, and I look forward to many more posts and some great comments and contributions from all of you.

Honourable mentions:

My many posts on the Canadian Live-in Caregiver Program.

My series of posts on IVF, highlighted below for their critical importance in this day and age;

http://urbandaddy.wordpress.com/2011/09/27/why-is-in-vitro-fertilization-not-an-issue-in-the-2011-ontario-provincial-election/

http://urbandaddy.wordpress.com/2011/09/30/so-why-the-interest-in-ivf/ 

http://urbandaddy.wordpress.com/2011/10/03/for-liberal-health-minister-deb-matthews-an-ivf-true-and-false/

http://urbandaddy.wordpress.com/2012/07/06/in-vitro-fertilization-funding-saves-taxpayers-money-why-does-only-quebec-get-it/

http://urbandaddy.wordpress.com/2012/07/22/ivf-part-2-provincial-funding-of-ivf-and-infertility-are-needed-addressing-reader-emails/

http://urbandaddy.wordpress.com/2012/09/20/ivf-funding-in-canada-infertility-impact-on-grandparents/

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Service Canada’s Live-In Caregiver Contract: Very Important for Employees and Employers.

Contracts

The importance of contracts!

I thought it might be useful to post the link to Service Canada‘s Live-In Caregiver contract.  I have posted many articles over the past couple years about the importance of a contract for those participating in Canada’s Live-In Caregiver Program (LICP) – both for employer and for employee but a formal detailed contract is equally as important for live-out caregivers and nannies who are living in, but not through a formal program like the LICP.

The contact forms the basis of a legal agreement between employer and employee as to what is expected and agreed upon by both sides and is used in case of disagreement to support the previously agreed upon terms.

In a nutshell, if you want to hire someone, they have to agree to all the work arrangements in the contract and if you want to be employed by someone then the contact tells you what the employer expects from you and outlines every detail from hours worked, to amounts renumerated to specific tasks.  It’s like going to get a job anywhere else in the world, where you sign the contact before they agree to hire you and it’s about time the contract has become formalized for nannies to avoid employers from taking advantage of them.

Too often I hear and read about employers who think their live-in nannies are on call 24/7 at their disposal to take care of them and their kids, and their house and their pets… It’s ridiculous.  Also hearing about employers placing curfews on their nannies, or making them address you as Mr. or Mrs. like they are a servant.  Most of it is not allowed and some of it is just not right.  If you accepted a job working at a top law firm, or in the warehouse of WalMart would you allow for them to treat you like that?

As a result of some of these abuses of nannies from overseas, the Canadian government has been tightening up the LICP program - prospective nannies can apply from the program by following this link; http://www.cic.gc.ca/english/work/caregiver/apply-how.asp.  Part of the application process, requires that nannies MUST sign a written contract with their future employer, and the employer must also sign the contact which is them submitted together with the positive Labour Market Opinion (LMO).

The LMO is issued to the employer by the government after a lengthy review of the submitted documents and the information is verified, an interview is conducted by phone, and once the employer is deemed to be a suitable employer who has followed all the government requirements and regulations for the LICP.

Employers must also provide to the government their payroll BN number with the CRA, and have available suitable space in their home for a nanny to live, and prove that they have children in need of caring for and the financial capabilities to support a nanny.

The contract must be the same employment contract submitted to HRSDC/SC by your employer, unless you provide an explanation of any changes (for example, a new start date).

The written employment contract will ensure there is a fair working arrangement between you and your employer. The employment contract must demonstrate that the Live-in Caregiver Program requirements are met by including a description of:

•mandatory employer-paid benefits, including:

◦transportation to Canada from your country of permanent residence or the country of habitual residence to the location of work in Canada

◦medical insurance coverage provided from the date of your arrival until you are eligible for provincial health insurance

◦workplace safety insurance coverage for the duration of the employment

◦all recruitment fees, including any amount payable to a third-party recruiter or agents hired by the employer that would otherwise have been charged to you

•job duties
•hours of work
•wages
•accommodation arrangements (including room and board)
•holiday and sick leave entitlements
•termination and resignation terms

The contract the government is expecting to see does not have to look exactly like the one provided for in the link – that one is merely a template - but it must contain all the information and clauses indicated as mandatory.

The use of an alternative contract format may delay the processing of the LMO application as HRSDC and Service Canada officers will need to determine if the contract complies with LCP requirements.

http://www.servicecanada.gc.ca/eforms/forms/sc-emp5498(2011-09-005)e.pdf

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9.11. 11th Anniversary. What the US response should have been.

English: A room in the Al Bustan Rotana hotel,...

English: A room in the Al Bustan Rotana hotel, Dubai, UAE. (Photo credit: Wikipedia)

Today represents the 11th anniversary of the horrific terrorist attacks in the United States in which a whole lot of innocent people and heroes lost their lives.  While I’m sure those who thought up and carried out these attacks felt they were justified and that this was an acceptable response to address their issues, the loss of innocent lives, the destruction of New York and fear that it brought to the Western world which is still being felt to this day, shows these terrorists made a huge mistake in getting the attention of the Western world.

Say what you want about the US response, to try to flatten Afghanistan, enter Iraq and getting involved in the human right issues of other “Arab” nations but when the videos hit the net of the kids in West Bank and Gaza Strip celebrating and cheering, I’m pretty sure we all knew the world would never be the same.

The actions of the Allied forces through their armed maneuvers, the terrorists still attempted to attack the West and Western values in a more subvert manner through “sleeper cells” in order to continue to wreak havoc on the lives of ordinary citizens on a daily basis, even going as far as having that idiot Nigerian Islamist who tried to blow himself up on Christmas day, 2009 with explosives in his underwear.

All in all, looking back, I think the US / Allied approach was wrong.

Before I go further, let me state for the record that I understand that these attacks were carried out by extremists and my issue is with these extremists only – no matter what their religion or race may be – but it has been portrayed as being a Western world vs Islamist world issue and until someone steps up on the Islamist side and states clearly this, nothing is going to move forward in making that distinction.

So while we remember those who lost their lives, let’s look at a different event, on Arab soil and see how they handled it and possibly gain some insight into how the West could have dealt with this right away without harming the citizens already living in these Western countries who have nothing to do with these horrific events.

Case in point, below;

In 2010, one man, named Mahmoud Abdel Rauf al-Mabhouh was killed in a 5-star hotel in Dubai after being drugged and smothered by a pillow.  His death was blamed on the Israeli spy agency Mossad.

Al-Mabhouh was a senior Hamas commander and one of the founders of a military wing of this political organization who were involved in several armed actions targeting Israel, including the abduction and killing of two Israeli soldiers in 1989.  In more recent years, al-Mabhouh had assumed an important role procuring weapons for the al-Qassam Brigades.

Al-Mabhouh had arrived in Dubai from Syria under an alias and using one of several passports.

Dubai police investigated his death and came to the agreement that the assassins must have been from Israel, and that they used fraudulently obtained passports from several countries so Dubai responded by arresting and kicking out Israeli officials and gave warning to European and Australian officials as well because the “26-member” team of assassins that entered Dubai used European and Australian passports.

But they did not stop there – let’s look at the reaction.

Dubai’s police chief says travellers, suspected of being Israeli will not be allowed into the United Arab Emirates even if they arrive with alternative passports.

The Emirates will now “deny entry to anyone suspected of having Israeli citizenship.”

Alright…  So if you are Israeli, have been to Israel, or have a Jewish sounding last name you are barred from entering the UAE.  A very black and white solution when you are the judge, jury and executioner and have no one to answer to.  So even if you’re not Israeli you are punished – guilty by association – and no one questioned the UAE when they did this.

Imagine if the West took the same actions…

I think we would have seen a whole lot of people, organizations and groups speaking out against these terrorist attacks and against extremism if the perpetrators knew the impact on the rest of their people.

Or if this all just wishful thinking?

After US President Obama’s reaction yesterday to the storming of the US Embassy in Egypt over displeasure about a film portrayal of the prophet Mohammed – apologizing for the film – Libyans fired grenades and gun fire into the US Embassy in Libya killing the ambassador and 3 staff.  Libya, if you recall, was freed from the rule of Gaddafi by Western forces.  Unbelievable.  On 9.11 too.

If there was ever a time to send a non-violent message to these terrorists, I think now would be the time.  Maybe the UAE had it right all along.It’s hard dealing with people who put no value on human life and there has to come a time when you look in the mirror and decide it’s time to spend the trillions of dollars on war to a different cause, maybe within your own borders.

I don’t know the answer and I don’t think there is one.  It would have been nice if everyone from ever nationality in the world stepped up and denounced extremism.  That clearly didn’t happen so the wounds of the attacks on Western ideals and values remains wide open.

So sad.

9.11

We Shall Never Forget.

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Things You Need to Know When Hiring a Live-Out Caregiver in Canada

So you do not want to have a live-in caregiver through the Canadian live-in caregiver program, and decide instead to go the live-out route.  Well below are some things you will need to know when hiring a live-out caregiver in Canada.

1. If you are thinking about circumventing the rules and paying your nanny cash, remember this is a lose-lose situation.  First of all, if the government catches you not only will they assess you and make you pay the amounts which should have been paid to the CRA, such as paying tax, contributing to the Canada Pension Plan, Employment Insurance, and buying workplace insurance, but they will make you pay the employee portion as well.  In addition, you lose the $7,000 deduction on your taxes, and your nanny loses her right to collect Employment Insurance if she gets laid off.

What usually happens in that case is the nanny gets laid off, tries to collect EI, is informed by HRSDC that she is not entitled because she has not been paying into the plan at which point she provides records of payments and then the government is looking for you.  Yes, it is more difficult to do but it also rarely ends well.

2.  Make sure you have a HRSDC approved labour contract clearly spelling out the details of the job, much as you would sign with your employer.  It’s all the same.  They’re generally categorized as domestic workers and they have rights to feedback, clearly defined breaks, details around pay, vacation, overtime, expectations, roles and responsibilities.  Long gone thankfully are the days where potential employers feel that Canada is better than Hong Kong so it’s okay to stretch working hours, responsibilities or ignore breaks.  Getting an agreed upon contract creates good relations between you and outlines exactly everything which can keep you from getting in trouble down the road.

3.  What do I need to know about paying my nanny?  Well, as the employer, nannies are not self-employed, you have to treat them in a manner in which you would want to be treated and that means with respect.  You negotiate the contract and if there are issues with performance, you have to address them in a respectful manner, much in the same way your employee has venues to complain about your treatment, including suing you for wrongful dismissal.

This step-by-step guide to payroll deductions should help getting you on the way and around the fear of the CRA;

Step 1 - Call 1.866.959.5525, the Canada Revenue Agency business help line, follow the prompts for payroll / source deductions accounts and ask the customer services representative for a business (or BN) number.

Step 2 – You have the BN set up in your name, so now you need the information on your one employee, your nanny.  Gather from her on the contract her full name, SIN and live-out address.  You’ll need this later…

Step 3 – Next you will need to figure out how much you will need to remit to the CRA each month.  You can do this by entering the amount you have paid your nanny into the CRA payroll calculator; http://www.cra-arc.gc.ca/tx/bsnss/tpcs/pyrll/tbls-eng.html.  The calculator breaks down how much you will need to remit for taxes, EI and CPP.  This link also provides other information on being an employer, rights and responsibilities.  Read this if you have time or need something to help you get to sleep.

Step 4 – Monthly remittance of the held back funds (deductions of source pay).  By the 15th of month you will be filling out the remittance voucher sent to you from the CRA – unless you sign up to remit online (check My Account).  You remit on the 15th for the previous month, so on June 15th you are remitting for May 1st to 31st.  On the form you need the gross pay, net pay, EI, CPP, month remitting for, number of employees and tax withheld.  For me, the quickest is to take that to the bank on the 15th (16th if the 15th is a Sunday, 17th if the 15th is a Saturday, and 18th if the Monday is a holiday and the 15th is the Saturday.  The bank stamps the form, takes the funds from my account and takes the remittance voucher.  Done.

Step 5 - Keep the copy of the remittance voucher with the bank stamp in a file as you’ll need it when filing your personal income taxes (T1) each year and providing your nanny a T4 by February 28th of the following year.

4. Most often asked questions surround legal obligations, such as; when ending a contract with your nanny, if she gets sick, falls pregnant or gives notice.  First off, be sure that the contract with your nanny establishes the length of notice needed if one of you wants to end your working relationship. Any penalties for not meeting that notice period should be spelled out in your contract too.  As for the other things, just put your self in her shoes and change the employer from you to a large firm.  Would your employer allow you to take short-term disability time off or long-term disability time off?  Absolutely!  By law they are required to and the same goes for your caregiver.  If she falls pregnant you cannot fire her for the same reasons.  If you need help, seek an employment lawyer.

But with all that being said, if the separation is mutually agreed upon, remember you will need to provide your nanny with a Record of Employment (ROE) within 8 days of her last day of work.  Don’t wait!  This is a controlled form to prevent EI fraud, so reach out to Service Canada right away and they will send you a kit with the details on how to do this.

5.  Where can I get a contract?  I recommend Googling “HRSDC approved nanny contract.”  It will lead you to complete the key sections of  the contract which cause the most headaches down the road, specifically; Overtime, training, duties she cannot legally perform for me, tracking of expenses – petty cash, and holiday pay.

 

I hope this provides some insight and helps clear up some lingering issues around what to do with live-out caregivers in Canada.  All in all, just remember to treat your employee with the same respect you would want to be treated as an employee.  Karma’s a bitch!

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Taxation Post: FATCA for Americans Living In Canada. It’s Time to Prepare.

Copied in whole, with permission, from www.intaxicating.wordpress.com.

In case you have just starting to catch wind of FATCA and you are wondering if you are going to get caught up in its web, you might find this post very useful.  I have gone to the Internal Revenue service (IRS) website and pulled out their passages on American’s living in Canada and the expectations on how they will be handled under FATCA – coming globally January 1st, 2013.

The IRS has clearly stated that “All persons born in the United States are US citizens.  This is the case regardless of the tax or immigration status of a persons parents.  Furthermore, a person born outside the United States may also be a US citizen at birth if at least one parent is a US citizen and has lived in the United States for a period of time.”

This is the link to that information from the IRS website; http://www.irs.gov/businesses/small/international/article/0,,id=244868,00.html

If you are of the belief that as an American living in Canada that you do not need to file a US tax return because you do not generate any US source income in any way, that is also incorrect;  “The IRS reminds you to report your worldwide income on your US tax return and lists the possible consequences of hiding income overseas.”

More information on consequences of hiding income overseas (including Canada) in this link.  I have broken out some key facts below; http://www.irs.gov/businesses/article/0,,id=180946,00.html

As a US citizen living in Canada, the rules for filing income, estate and gift tax returns and for paying estimated tax are generally the same whether you are living in the US or not.

Not reporting income from foreign (including Canadian) sources may be a crime.  The IRS and its international partners (including the CRA) are pursuing those who hide income or assets offshore to evade taxes.  Specially trained IRS examiners focus on aggressive international tax planning, including the abusive use of entities and structures established in foreign jurisdictions.  The goal is to ensure US citizens and residents are accurately reporting their income and paying the correct tax. 

In addition to reporting your worldwide income, you must also report on your US tax return whether you have any foreign (Canadian or international) bank or investment accounts.  The Bank Secrecy Act requires you to file a Form TD F 90-22.1, Report of Foreign Bank and Financial Accounts (FBAR), if:

  • You have financial interest in, signature authority, or other authority over one or more accounts in a foreign country, and
  • The aggregate value of all foreign financial accounts exceeds $10,000 at any time during the calendar year.

More information on foreign financial account reporting requirements is in News Release FS-2007-15, Foreign Financial Accounts Reporting Requirements and Publication 4261, Do You have a Foreign Financial Account?

This link below outlines the filing expectations for US Citizens and resident aliens abroad.  You have until June 15th to file your US tax returns each year:

http://www.irs.gov/businesses/small/international/article/0,,id=97324,00.html

Most common question I have been asked:

“I am a U.S. citizen who moved to Canada to live and work there as a Canadian permanent resident, do I pay both U.S. and Canadian Taxes?

Answer: As a U. S. citizen living in Canada you:

Are required to file annual U.S. income tax returns and may be required to file certain information returns if applicable (e.g. Form 8891, U.S. Information Return for Beneficiaries of Certain Canadian Registered Retirement Plans; Form 3520, Annual Return To Report Transactions With Foreign Trusts and Receipt of Certain Foreign Gifts; TD F 90-22.1, Report of Foreign Bank and Financial Accounts (FBAR)).

You must report your worldwide income on your US income tax return if you meet the minimum income filing requirements for your filing status and age.

You must contact the Canadian Government to determine whether you must file a Canadian tax return and pay Canadian taxes – unless you are already filing tax returns here in Canada, then this step is obvious.

You may be able to elect to exclude some or all of your foreign earned income, if certain requirements are met, or to claim a foreign tax credit if Canadian income taxes are paid.

Behind on your filing to the IRS, are you?

The IRS began an open-ended offshore voluntary disclosure program (OVDP) in January 2012, on the heels of strong interest in the 2011 and 2009 programs, which may end at any time.  The intent of this program is to offer people with undisclosed income from offshore accounts another opportunity to get current with their US tax returns.  The 2012 OVDP has a higher penalty rate than the previous program but offers clear benefits to encourage taxpayers to disclose foreign accounts now rather than risk detection by the IRS and possible criminal prosecution.

Rumour has it that in September, the IRS will be releasing some new documents (besides the final regulations) aimed at helping Canadians file their US tax returns up to date – the IRS wants the most recent 3 years and 6 years of FBAR information from Canadians.

My thoughts here are that the IRS thinks all Americans living in Canada are not paying taxes so that anyone with over $1500 owing will still be penalized.  Once these US persons provide proof of their filing of Canadian tax returns at a higher rate, then the best the IRS can get from these residents if valid certifications and by adding them to the database, another potential income source to track.

FAQ Offshore voluntary disclosure program:

http://www.irs.gov/businesses/small/international/article/0,,id=256774,00.html

So if after all this you are unsure if you need to file you might want to seek out an accountant or lawyer which a strong US presence to advise you.  Remember if you are a US person and you let your bank know, they are required under FATCA to notify the IRS.

At the very least you should prepare your US tax returns for the previous 3 years and include the Canadian taxes paid under “foreign tax paid” to see where you fall under FATCA.  Then take them to an accountant with a strong knowledge of US tax in order for them to ensure the US return is correct and have them advise you on where they feel you fall under FATCA.  From there… It’s up to you.

There is no hiding from FATCA, so prepare now and prepare for the future before the IRS gets to you first.

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It must be difficult to be a Republican in the US. Especially when some candidates are stupid, ignorant morons.

Earlier this week US President Barak Obama became (shockingly) the first US President ever to support gay marriage.

I’m shocked not because he did it, but because he was the first to do so.  Even though during his campaign to become President he believed that marriage was a “union between a man and a woman” he came to his senses and realized this term of “marriage” is just a tradition carried on through the years and as people evolve some of our outdated practices change too.  Marriage is not for everyone.  Marriage could have easily not also been just between a man and a woman, but it was not.  To some people and some religions, none of this matters.  It’s about being good people and contributing to society and not fitting into a norm that your religion expects you to. 

And to those religions who firmly believe it’s immoral, yadda yadda, you are entitled to your own opinion – not the point at all.  Please continue to feel that way, preach and practice as you like, however, this term called “marriage” was not created by you, and is not governed by you.  

This is not a political issue.

As a result of “coming out”, Obama’s popularity rating in the US is declining. Why exactly is that, I ask as a Canadian.  Why are US media outlets calling him the “gay president”.  How can this hate be tolerated?

Well I think there has to be opposition not because people or agree or disagree, but because the US is essentially a 2 party system, the Democrats and the Republicans.  If the Democrats say white, the Republicans HAVE to say black.  If the Republicans say yes to the right to bear arms and carry around gums (a concept very foreign to Canadians) then the Democrats have to be against it.

In order to further their agenda’s each side seeks out the most radical, most extreme view and promotes it.  I mean after reading this below quote, I would vote for Dora the Explorer too.

Check this blog post from former Presidential candidate Sarah Palin’s daughter Bristol – who has her own baggage – titled, “Hail to the Chiefs – Malia and Sasha Obama.”

Bristol actually suggests that the reason for Obama’s change-of-heart was caused by his daughters watching too many episodes of television show ‘Glee’. Are you fucking kidding me? Can she be that stupid? But it gets better…

She then goes on to quote the president’s interview with ABC in which he says, “You know, Malia and Sasha, they have friends whose parents are same-sex couples.” By offering him parenting advice, “In this case, it would’ve been helpful for him to explain to Malia and Sasha that while her friends (sic) parents are no doubt lovely people, that’s not a reason to change thousands of years of thinking about marriage.”

I’ll get to this but the moronic part comes next;

“I guess we can be glad that Malia and Sasha aren’t younger, or perhaps today’s press conference might have been about appointing Dora the Explorer as Attorney General because of her success in stopping Swiper the Fox.  In this case, it would’ve been nice if the President would’ve been an actual leader and helped shape their thoughts instead of merely reflecting what many teenagers think after one too many episodes of Glee.”

WOW.

I would be ashamed to be a Conservative south of the border.  As a fiscal conservative, I am socially democratic and I feel that as an American you have to be all in or all out.  You can’t be a Republican yet for Pro-Choice.  You have to be a Democrat is that is the way you feel.  As a Conservative, if I was American and was being painted with the same brush as some twit named Bristol just did, I would be insulted and looking to create a new party.  The Keep your stupid opinions to yourself party, where Americans can work together to improve the economy, achieve racial harmony – you are all american’s afterall, right?  and find a way where everyone can live freely, contribute to society and not be discriminated on based on race, religion or sexual preference. 

And the next time a reporter sticks a microphone in the face of a Palin… Just remember where it is coming from.

To my American friends… Am I off base here?

Rob Ford vs. David Miller. Left vs. right. Subways vs. Island Bridge. The Facts.

The attacks on the current Toronto Mayor, Rob Ford throughout the subway vs. LRT fiasco really bugged me because I recall the reaction to the previous Mayor, David Miller when he cancelled the bridge to the Toronto Islands and it was nowhere near as harsh. 

It was going to cost the City of Toronto money to get out of that contract.  Miller said it would not cost the City anything and this was at a time where he was increasing taxes year-over-year with no cutting in site.  In the end, the Federal Conservative party of Canada paid that penalty on behalf of Toronto city counsel – but if Stephen Harper’s government did not come to the rescue of Toronto city counci, it would have cost taxpayers even more!

I went back to research the facts on this bridge deal to see how it went down, and to see if my councillor Joe Mihevc went to get a lawyers opinion on this matter too.  Maybe because of his role on the then left-leaning council he didn’t feel he needed to.  I also wanted to see if I could start to look back at the budgets and transit plan laid out by Miller to see how we got into this mess which Ford has been trying to get out of to much public dissatisfaction.

I decided to look at this from neither side, so I researched and present a fact based post.  Read it and come to your own conclusions.

I have chosen to highlight some key decisions made by Toronto’s former Mayor, David Miller, a documented member of the NDP party, and his city council in the 7 years Miller was mayor of Toronto.

I’m going to begin by quoting the Globe and Mail from February 2012;

“The island airport is such a success and such an obvious asset for the city that it is hard to believe that someone once ran for mayor on resisting it.  In 2003, David Miller campaigned on a pledge to stop the construction of a bridge from the mainland to the airport. He won, city council pulled its support for the bridge, and air travellers have been riding the short-hop ferry to the airport ever since.”

Much in the way current Toronto mayor Rob Ford voted on subways, Miller pulled the plug on the tunnel to the island airport and it cost $35 million dollars to do so.  Ford pulled the plug on Transit city and costs are projected at $49 million. 

Ironically, that struggle over the bridge to the island airport seems like ancient history now. As a result of the success of Porter Airlines, the island airport has become a popular and convenient downtown alternative to Toronto’s Pearson International Airport in Mississauga with around 1.5 million passengers using it in 2011.

So instead of the bridge, the Toronto Port Authority is now going to build a $82.5-million, 240-metre tunnel which will allow passengers to and from the terminal at Billy Bishop airport on four moving sidewalks, eliminating the wait for the ferry.

Mayor Rob Ford called the tunnel “fantastic news” for the city and for the waterfront, “the day that nobody ever thought was going to come.”

Of course, the airport still has its critics. Local Councillor and pretender for the Mayorship of Toronto, Adam Vaughan was down at the waterfront with a handful of protesters who don’t like the noise and taxi traffic around the airport ferry dock. He calls Billy Bishop a “boutique service.”  If so, it’s a pretty popular boutique.

Mr. Miller feared the airport would delay waterfront revitalization by preserving “industrial” activity there. He said anything but a “sleepy commuter airport” would conflict with the city’s plans. In fact, the bustle of the airport has added to the vitality of the waterfront and the city’s downtown.  Porter draws it’s customers from the downtown condo boom and it’s closeness to the financial district which added to the city’s new cool factor.

The tunnel is scheduled to open in the spring of 2014.

Facts: David Miller was the most prominent opponent of Toronto Mayor, Mel Lastman’s plan to build a $22 million bridge to the Toronto Island Airport.  Miller argued that the bridge would prevent the city from revitalizing its waterfront, and asserted that the proposed deal put the interests of developers and lobbyists ahead of the public. The bridge became a major issue when he ran for mayor during the 2003 campaign.[

Fact: At one point in Miller’s election campaign he raised the possibility of collecting tolls on the Don Valley Parkway and Gardiner Expressway to help pay for social programs. After criticism from other candidates, he dropped the suggestion.

Fact: Soon after his election as Mayor of Toronto, Miller led the council to reverse its support for the Toronto City Centre Airport Bridge. The vote, held on December 3, 2003, was 32-12 in favour of withdrawal. Afterwards, there were threats of legal action against the City by the Toronto Port Authority (TPA) and developer Robert Deluce, which were settled in 2005 when the federal Conservative government agreed to pay $35 million in compensation.

Fact: The federal payment was controversial for both supporters and opponents of Miller’s administration. Liberal MP Tony Ianno defended it as providing fair compensation to legitimate claimants, and saying that the payment proved Miller wrong when he said he would cancel the bridge without incurring further expense.  Miller’s allies, including then NDP leader Jack Layton, argued that the payout was overly generous, and did not reflect the true costs of cancellation.

Let’s look at Miller’s first budget as Mayor of Toronto to get an idea how spending in Toronto shot out of control and how there were very little consideration made to reducing spending or taxation;

Fact:  Miller’s first budget as mayor of Toronto passed by city council by a vote of 29-10. This budget increased spending by 6%, increased residential property taxes by 3% and increased business and industrial property taxes by 1.5%

Fact:  Miller’s second budget was a balanced budget by taking $19.8 million from the City’s reserved fund.  Miller blamed this on Dalton McGuinty’s Liberal government not providing the $72.3 million for provincially-mandated social programs.  Residential property taxes were increased by 3% and business and industry property taxes were increased by 1.5%.

Fact: In late 2005, Miller endorsed a policy which shifted a portion of Toronto’s property tax burden from businesses and commercial operators to homeowners. He argued that it was necessary to prevent an exodus of jobs from the city.

Fact: Miller clashed with Toronto Board of Trade President and CEO and former Toronto Raptors GM Glen Grunwald at a February 2006 budgetary consultation meeting, after Grunwald presented a number of policy measures designed to solve Toronto’s budget shortfall, including; reducing spending on non-priority items, increasing user fees, privatizing some services and implementing the auditor general’s 800 suggestions. Miller criticized the suggestions as “poorly researched”, and said that the Board of Trade presentation “didn’t befit the role they have as city builders.” Toronto Star columnist Royson James, suggested that Miller’s response was disproportionately harsh, and may have alienated some business interests. Other critics pointed out Miller’s ”city hall has done too little to tighten its belt”.

Fact: By January 2006, Toronto was facing a $532 million shortfall on its operating budget. To promote cost-cutting, Miller announced a hiring freeze, however still no cost-cutting.  His budget passed in Toronto city council by a vote of 27-17.  Property taxes were increased by 3% and business taxes increased by 1%.

Fact: 2007 Toronto Budget included a 3.8% property tax increase, new municipal taxes, new and higher parking fees under the new City of Toronto Act, a $60 vehicle-registration tax and a 1.5% land transfer tax.  Still no cost-cutting.

Fact: David Miller asserted that residents support the notion of increased taxes as long as the money is being used properly.

Fact: A survey conducted by the Environics Research Group showed that 70% of respondents supported a cut in expenditures rather than new taxes.

Fact:  When the light bulb went on that cuts were needed, it was David Miller who proposed service cuts from the operating budget including the closing of the Sheppard Subway line, cancelling underused bus routes, and scrapping renovations and extra staff to the mayor’s office. Miller argued that these were the only responsible steps that Toronto could take to prevent a financial crisis.

Fact: Former Scarborough Councillor Brian Ashton who recently retired from Toronto City Council – undefeated after nine successful elections over a distinguished 30-year career disagreed with Miller’s plan and was dismissed from the executive committee.

Fact: Miller’s executive committee was part of the new “strong mayor” system where key issues are dealt with before being brought to full council. The stated intention was to streamline the decision-making process.

Fact: Mayor Rob Ford tried this approach and was shot down quite quickly by councillor Karen Stintz stating “Council is supreme”.  Only when it suits the lefties, Karen. 

Fact: In 2007 and under Miller’s direction, City Manager Shirley Hoy implemented $34-million in service cuts to the budget without seeking council approval. A spokesperson for the Mayor stated “we’ve got a serious financial shortfall that has to be addressed”. Community centres and libraries were closed on Mondays and the opening of ice rinks was delayed in order to cut costs.  An arbitrator later ruled that the library closures violated the collective bargaining agreement with the union.

Fact: David Miller was a strong advocate for the Toronto Transit Commission,

Fact: Rob Ford is portrayed to not be a friend of the TTC.

Fact: In late 2004, Dalton McGuinty’s provincial Liberal government announced that it would provide $355 million in provincial gas tax revenues for the TTC over three years.

Fact: In 2005, with Miller’s permission, the TTC approved a fare increase with the price of adult tickets and tokens increasing by ten cents, and adult cash fares increased by 25 cents.

Fact: In 2004, Miller endorsed the creation of the St. Clair streetcar right-of-way, which passed in council by a vote of 36-7.

Fact:  Even former Toronto mayor John Sewell, a long-standing supporter of public transit, opposed this plan.

Fact:  As a member of Metrolinx, Miller and TTC planners unveiled a 15 year plan to construct a light-rail network (LRT) linking almost every neighbourhood within the city. The plan was conditional on funding from other levels of government with the Liberal government of Ontario committed itself to funding two-thirds of the project.

Fact: Miller formally launched a campaign for Canada’s cities to receive one of six cents charged on every dollar under the existing Goods and Services Tax at the Toronto City Summit Alliance’s Toronto Summit 2007. He has argued that the transfer will provide a reliable and permanent source of funding for cities. A website called http://www.onecentnow.ca has been set up to promote the campaign. Karen Stintz and several other councillors criticized Miller for spending $100,000 on the program before it was debated on and approved by council, and suggesting that he was advancing his personal agenda. Miller’s office argued that council approval was unnecessary for the initiative, as it had appeared in his campaign platform

Note to this last paragraph:  At the end of January, a report by a Toronto law firm, solicited by councillor Joe Mihevc, stated Mayor Rob Ford did not have the legal authority to cancel Transit City without city council approval. The report states the mayor’s memorandum of understanding with the province cannot be acted upon without council approval. He did not have authority to stop work on Transit City and proceed with his own plan even though it had appeared in his campaign platform.

——————————————

So by my accounting of facts, it would appear the Miller legacy included $35 million dollar loss on the cancelling of the Toronto Island bridge paid for by the federal government.

Increased property taxes every year.

Increased business and industry taxes every year.

Cost savings came in the form of closing or reducing city services – libraries, ice rinks, other public services.

Increased TTC fares

Increased and new parking taxes and levies.

No new subways built.

A move from the “council is supreme” mantra when it is convenient as “discussed in election platforms”.

Well done, Toronto.  I can see now why all the backlash towards Rob Ford’s team.  He was voted in on a couple main promises, one being that instead of the Miller tax, levy and beg politics he wanted to cut waste, something Miller was unwilling or unable to do in his 7 years as Toronto Mayor. 

Miller manipulated the rules of city council to suit his needs re: budgets, TTC matters and transfer payments and there was no backlash from the councillors, no legal letters from Joe Mihevc, no open forum sessions where people came, dressed in costumes and told stories to the mayor and council as a show of protest / stupidity.  Toronto took the tax hit and kept quiet.  Why wouldn’t Ford expect some of that same consideration? 

Do you see how both leaders have not been treated the same by the press or by the citizens of Toronto?

Just a little, right.

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Thursday Thirteen – Taxation Related

As a taxation professional, it was only a matter of time before I posted a Thursday Thirteen that was taxation related.  I have a timely post this week around tax season – Canadian style – however some of it crosses the globe.If you ever want to read more taxation information or read my thoughts on managing, you can do so at www.intaxicating.wordpress.com.

But in the meantime, with tax filing season fast approaching, here are the 13 things you need to know before you file your 2011 tax returns;

13.  Contrary to popular belief of those on the left and those silly ”Occupy” folks, in Canada (and the US), the top 10% of Canadian earners pay half of all personal income taxes, while the half of earners with the lowest income pay less than a tenth (1/10th) of the total. So those in the driver’s seat, the high and middle-income earners, they DO have some choice as to how much they want to spend and how much they plan to save, so by spending less, they pay less consumption taxes, less property tax, less gasoline tax, and other taxes and user fees – bank fees, late fees. interest on credit cards, etc., 

12.  Regardless of where you are and what you do, you really should file a tax return.  Canadian reporting is voluntary in certain conditions, but be sure before you pass on filing.  The CRA has a great list of when you need to file and why you should file right here;  http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/flng-blgtns/menu-eng.html

11. You have the option to defer the paying of taxes, in some cases, when you save for retirement inside a RRSP / IRA or any other form of registered retirement savings plan.  In these plans, you defer payment of income taxes until later in life.  There are taxes assessed, when you withdraw the money after you have reached a certain age, usually 65-years-old, but those tax rates are probably lower than you would be paying now, if you have above-average income.

If your income is below average, you may be better off to pay taxes now and save in a tax-free savings account (TFSA).

If you save for your family inside a registered education savings plan or a registered disability savings plan, there will be a deferral of taxes on interest earnings, other investment returns and government grants. Then the child or other relative will likely pay little or no taxes on those savings.

10. Before you file make sure you have all your slips.  Amending sucks and looking for them last-minute can cause a lot of stress.  Trust me on that one.

9.  Make sure the government has correct information for you – address, name, direct deposit because you want your refund and if they audit you, they might not be re-assessing you, but rather they may be looking for an additional copy of a receipt they lost in the processing of 20 million tax returns.  Get to it and get to it quickly.  Do not ignore government mail and not open it.  Open it and action it..

8.. File this one electronically – but keep your receipts handy for audit and verification purposes.  It’s quick, you may get your money earlier and you’re saving trees,  My kids say thank you..

7.  If you owe money, do not write a note and attach it to your return, but contact the government and make a payment arrangement and honor it.  When your paper return comes into the processing centres, the processors, who are usually temporary hires to help the CRA get through the tax season, rip of cheques and process them right away, then they tear off any unnecessary paperwork and send the returns to a data processing group.  So if you include a piece of paper or maybe gold glittery powder, it’s in the classified waste bin right away.,

6. Think before you bitch – A third of all income in Canada is paid in taxes. But before you consider moving out of the country, consider that the Canadian tax burden is less than that of 19 other developed nations.  We, as Canadians only pay more taxes than 10 developed nations.

5. Why all the taxes?  Where does this tax revenue go?  With the tax revenue, 62% of it goes to pay for health care, education and social assistance, including unemployment benefits.  The rest, a measley 38% goes for everything else we need, like infrastructure, social programs, etc.  Not such a bad deal afterall, eh?

4. Not everything is taxed, here are some examples - There is no tax on a winning Lottery tickets, on scholarships, inheritances, gifts, the Guaranteed Income Supplement (GIS) to the taxable Old Age Security (OAS) pension, Canada Child Tax Benefit cheques or child support payments after a divorce.  You pay no tax on at least the first $9,000 of waged earnings or $40,000 of income per year if you receive only eligible corporate dividends and $18,000 if you receive only capital gains.

3. On the flip side, some high-tax items - The income tax rate on income beyond $127,021 a year in 2010 was 46.4%. Taxes on cigarettes in Ontario was 63.5%; alcohol, 52.7%; and regular gasoline, around 36%.

2. The HST effect – The combined 13% federal and Ontario sales tax, the HST (Harmonized Sales Tax) has boosted the incentive to conserve energy, because provincial sales tax did not apply to energy before July 1, 2011 – Thank you Dalton! – So you will save more if you choose a compact, well-insulated home close to your job and buy fuel-efficient vehicles – like my hybrid vehicle - appliances, lighting – get those halogen, CFC-free bulbs, and furnaces.

1. Tax relief opportunities – Numerous tax breaks and benefits aim to encourage you to better yourself or the economy, such as seek higher education, earn high grades, raise children, move closer to a job, belong to a professional group, take public transit, make charitable and political donations, invest in companies, start a small business, and save for retirement.  So get cracking. 

There are some easy wins here and some clear opportunities to save money and where we are all letting money slip through out fingers.

But whatever you do, get it there on time!  No point in paying the government a late filing penalty of $400.00 for your procrastination.

 Income Taxes By County

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OMG, Would the Liberals just give it a rest already! You’re toast. Accept it.

The Canadian political scene, or #cdnpoli on Twitter has been a buzz the past couple weeks around an apparent misleading recorded phone message sent out in “contentious” ridings this past Federal election.

The Liberals are crying foul because they feel someone purposely sent prerecorded messages to the electorate in tight ridings advising the residents that their polling station had changed, sometimes sending the voters 20km out of their way causing them to miss their opportunity to vote.

I say alleged because no one has an actual recording of this message and thus all allegations are based on hearsay.  Why would anyone lie to discredit the Conservatives???  Nawwww.

I’m pretty sure the Conservatives came forward and said a 23-year-old campaign staffer was responsible and that he has resigned but while the Liberals drum up much-needed press for the party, let’s not forget the apple doesn’t fall far from the tree.

I can remember a week before that federal election getting calls from Liberal MP Carolyn Bennett and MP Dr. Eric Hoskins both with recorded messages asking me if I wanted to take part in their “virtual town Hall”.  Here’s the kicker.  In both cases I hung up and in both cases when I picked the phone back up, the message was still playing.

Oh oh.

That’s illegal.  They cannot tie up my phone line with their propaganda spam.  The phone should disconnect the second I hang up, but it did not.  I wish I could find online the regulations from Bell Canada showing that organizations cannot tie up phone lines.  As well, in hindsight, I was mightily pissed off and wanted to complain and I recall Urban Mummy encouraging me to do just that, however, I chose not to.  If I knew the Liberals were going to use this Robocall item to stay relevant, I totally would have complained, gone to the press, or, wait, reported it myself on my blog. 

It’s not like this happened once or twice, either.  Since we moved, we had both ridings phone-spamming us and subsequently tieing up our phone lines after because heaven forbid someone would hang up in the middle of a recorded message by 2 politicians who I have never seen in either riding except at election time.  I don’t know where they get these photos for their campaign brochures… It’s surely not in the ridings.

But alas, I did not report it.

So Bob Rae, while you’re pressing for an inquiry, be careful what you wish for… This “scandal” will be swept under the carpet soon enough and yet another Liberal scandal wouldn’t look so good on the heels of your much-needed press, now would it?

Not that it would impact Toronto voters who blindly vote these guys in election after election.

 

Click.

This picture below is apparently of Carolyn Bennett, whom I have never seen in my riding in the almost 12 years I have lived here.  I could not find a picture of Dr. Eric Hoskins, and I didn’t want to post a picture of former NDP Premier of Ontario, bob Rae.  Shudder.

This is Carolyn Bennett, Liberal MP for St. Pa...

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