加拿大報稅 你問我試答（2）

你未報過稅係開唔到的

儲嚟扣稅

好似係 睇過兩眼
每年tax loss 上限好細

其實佢抵死，自己唔睇清楚
佢係唔夠183日但老婆仔女長住係度

limited company 點扣

separate legal entity wo

將freelance 收入用limited com. 報稅？

欠稅過期唔報要罰錢罰息。

你用 software 計下如果欠稅，在到期日或之前用網上銀行俾咗欠款先， 表格遲交唔會罰款，唔會罰息

如果你無欠稅，過期報無問題。

你想要乜著數先？

freelance無得入limited company 除非你係limited company 既employee,要有employment contract，然後你d asset 又要公司名

https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2022/self-employed-canada-revenueagency-can-help-understand-tax-obligations.html


The 2021 tax-filing deadline for self-employed individuals is June 15, 2022
You have until June 15, 2022 to file your 2021 tax return if you or your spouse or common law-partner are self-employed.

The 2021 payment deadline is April 30, 2022
Although your 2021 tax-filing deadline is June 15, 2022, your payment is still due on April 30, 2022.

Since April 30, 2022 falls on a Saturday, your payment will be considered paid on time if we receive it, or it is processed at a Canadian financial institution, on or before May 2, 2022.

If you filed your 2020 income tax and benefit return and qualified for interest relief, you have until April 30, 2022 to pay any outstanding income tax debt for the 2020 tax year to avoid future interest charges. This applies to the tax owing for the 2020 tax year only, and not for any previous tax year.

Even if you owe tax, don't risk having your benefits interrupted by not filing. If you cannot pay your balance owing, we can work with you on a payment arrangement.

I used to be on the anti-avoidance audit team

好似係 睇過兩眼
每年tax loss 上限好細

Don't know what you are talking about

自己開公司
自己請自己
衣食住行都入公司數
freelance 收入用公司報稅
結果freelance 收入扣咗衣食住行先乘稅率

pls tell more

That means incorporate your "freelance" service?
e.g. John design Ltd instead of John Ho Design sole proprietor?

2. 保險depends on 公司分紅、價值上升方式， 如果公司每年 distribute capital gain, interest income 俾你 policy holder， 你就要每年報。 如果個policy 價值上升只係 market value ，就唔駛。 香港 policy 你未必知道究竟是否係 distribution？

情況等如你買股票 mutual fund, 價格每日唔同， 你一日唔賣都唔駛報 capital gain, 但係 mutual fund 公司每年仍會 distribute 少量Capital Gain ， 出張 T3俾你報稅 ,呢d你要 報, 係個 fund 本身賣咗佢持有股票 有 capital gain, 轉嫁分俾 unit holder。

衣食住行都入公司數?
真係大想頭
Most are not deductible or limited deductions

How much do you want to know??

首先呢邊公司食同行只能扣50%，香港先扣得100%，你已經無乜著數

其次你開sole proprietorship 唔開limited company 都會做到呢d 野

第三你要精準咁計好你人工係幾多which is 唔容易，你唔可以低過最低工資

第四你重要計埋EI CPP worksafety 保險 GST depreciation 一堆野，你自己唔係accountant 都未必識搞

https://www.youtube.com/watch?v=YXKdJ2BQZmo

鄭丹瑞幾乎破產！加拿大追稅前半生積蓄化水

10 個 IT9 contractor 9 個開 corporation

出事唔想liability 上身姐

衣 - 難若登天
食 - 50% deductible， reasonable amount proportional to your business income
住 - home office, 20, 30%(?) of monthly insurance, condo fees, BUSINESS use internet, mobile phone
行 - car expenses, 計翻 BUSINESS 用 mileage 61¢ per kilometre for the first 5,000 kilometres driven, 55¢ per kilometre driven after that, suppose 你要log 住 去咗邊度見客/買料 行咗幾多

Equipment - computer, specialty software, 生財工具，office furniture
Trade publication subscription
Travel - attending business conference

Piercing the corporate veil
Piercing the corporate veil or lifting the corporate veil is a legal decision to treat the rights or duties of a corporation as the rights or liabilities of its shareholders. Usually a corporation is treated as a separate legal person, which is solely responsible for the debts it incurs and the sole beneficiary of the credit it is owed. Common law countries usually uphold this principle of separate personhood, but in exceptional situations may "pierce" or "lift" the corporate veil.[1]

in fact 官私好難打的

官司

噢, 記得 accountant 講過:

有限公司主要好處 (compared to sole proprietorship) 係如果你公司唔出曬收入俾個 owner， retained earnings 留在公司入面， 有 延稅作用。
如果公司係出曬全部d 錢俾你， 無著數。

有限公司報稅每年盛惠 $1500+ CAD ， 如果有 business income

我知道有人自己買 software 報， 舊幾水， 好似係。