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  • 枫下家园 / 生活杂事 / 买了RRSP,但是没有配额,怎么办?
    • Save it for next year, or transfer it to spouse,
    • 我听说RRSP超过配额太多会罚钱的,而且罚得很恐怖. 但是低于2000元没关系
      • You are not going to get fined if you don't claim it, and $2000 extra for a life time
        • 问题在于, 即使我不申报这些RRSP,由于他们是在RRSP的帐户里,所以所得收益不用交税, 那样岂不是有空子可钻吗?
          • You see I hate to discuss non-specific questions since there are too many 'IF"s, If you bough the RRSP after 2000, then you won't get fined, you can deduct it next year, the $2000 limit applies
            to a life time contribution, the trick is that your RRSP dealer will send a 60(1) slip to CCRA for them to monitor your RRSP thing, over contribution is fined 1% per month for amout over contributed, basically to offset any gain on it,

            provide detail when you ask a question or you run the risk of being misinformed and the only gets hurt is yourself
            • 那么是不是可以这样说, 那位朋友买的RRSP没超过$2000的部分无所谓,超过的部分会被罚款(1%/月).
              • If it's purchased after Dec 31, 2000, then it won't be fined even if it's over 2G, just use it next year, the point is, RRSP is not a good way to dodge taxes since it's under heavy scrutiny
                • So what is a good way to dodge taxes?
                  • How high is your income and what do you do for a living?
                    • 这个问题应该怎么回答?你是这方面的专家,我还是直说得好.瘦猪请进...
                      我的收入是$50,000/年,打工仔一个,我先生今年年底应该能过来,他暂时没有工作.清瘦猪多多指点.
                      • Personally I hate RRSPs since it's functions are exaggerated, if you insist of doing it, put all your RRSPs in GICs, or BCE, which is the best stock of all time per my experience after 6000 tax returns
                        本文发表在 rolia.net 枫下论坛Schedule 2, Claim your husband as a dependent, that cuts your income by about 6G,

                        T1-mov, If your husband does an lay over in Vancouver, then claim moving expenses for him, which in turn you can use since you would be paying for it, Moving exp would be another thousand deduction on your income

                        T776, Rent a room to your husband or other family members (if you are a renter yourself, then sublet it), have him claim rental credit (make it 10000), since he would have no income, then he can enjoy $800 in refund, You then report rental income 10000, with all the imaginable expenses, you should arrive at a 4000 rental loss which can be use for reducing your income, since it's the first year you won't be audited, remember to report rental income (even for 100 bux) every three years to show your expectation of income, after that, you can play this trick for another two years or so.

                        Now we have reduced your income by $11000, plus the $800 refund on otc from your hubby, your income is at 38000, now let's start cheating

                        Schedule 11, have your hubby or yourself enroll in some fried chicken courses, some IT rip off is fine, then claim 6G (5G if Xfer from your hubby's)on your own return as tuition, since you don't have to submit no T2202, then sky's the limit,

                        put on Union Dues while you are at it since you might be a member of the Chinese Canadian Professinal association, Donations!!! (ring a bell?), Your own OTC, medical expenses (you wear glasses don't you?) You should be able to squeeze 2500 out of all these

                        Schedule 4, carrying charges, put on your mortgage interest or line of credit interest (2 to 4G) if you can make it a case that your house is actually an investment and you expect income from capital gains that would rise from it.

                        Now your total income is at around $25500, with basic exemption of 7231(goes up in Y2001)
                        , your taxable income is now at 18000, you're in the 16% bracket again (payable 2900), as compare to 26%@50000 (payable 8000),

                        and again, it's tax cheating so I was just mumbling and you have to be the one to make the call...

                        but then again, it's not over yet, the key is execution and detailed backup更多精彩文章及讨论,请光临枫下论坛 rolia.net
                        • sorry, should be 26%@50000 payable 8083
                        • 真是个好东东,感谢瘦猪的指点,我已经存下来了,准备好好研究一下.不管怎么说,你指出了报税的一些基本指导方向,之前真的是一窍不通.