移民左去加拿大Toronto 48年 點滴 4
CNTower
922 回覆
78 Like
18 Dislike
第 1 頁第 2 頁第 3 頁第 4 頁第 5 頁第 6 頁第 7 頁第 8 頁第 9 頁第 10 頁第 11 頁第 12 頁第 13 頁第 14 頁第 15 頁第 16 頁第 17 頁第 18 頁第 19 頁第 20 頁第 21 頁第 22 頁第 23 頁第 24 頁第 25 頁第 26 頁第 27 頁第 28 頁第 29 頁第 30 頁第 31 頁第 32 頁第 33 頁第 34 頁第 35 頁第 36 頁第 37 頁
咁你今年如果超過183日就今年仲係稅務居民。如果你以後都唔會返嚟既話。咁你明年就唔係稅務居民。不過你都要將銀行戶口轉換為non resident account，cancel OHIP，drivers licence 之類。最好走之前問下你既會計師今年點報稅。
Male or female?
Keep a tie in your pocket. Kids parties are usually causal.
What kind-of jobs are you looking for?
Where are you looking? Indeed.ca Talents.ca?
Where are you looking? Indeed.ca Talents.ca?
Did you try Macdonalds?
hard to tell. I have no experience with that.
did you try warehouse jobs
https://ca.indeed.com/jobs?q=warehouse&l=Scarborough%2C+ON&vjk=d6054c68db717fbd
did you try warehouse jobs
https://ca.indeed.com/jobs?q=warehouse&l=Scarborough%2C+ON&vjk=d6054c68db717fbd
Yeah, I tried warehouse job
慢慢嚟啦。
Uncle你好，想問下香港攞左MPF，點樣轉過黎至好，好似會俾人打好多稅
數目少過100000CAD，感謝感謝
數目少過100000CAD，感謝感謝Are you here now?
上年12月過黎，有份工打緊，太太Stream A讀書，最近先攞番份mpf
Go to your bank and open a RRSP account. Tell them you have MPF from Hong Kong and you want to roll over that to your RRSP. If they don't understand what you are talking about, ask someone who knows.
The full amount is taxable and by rolling them into RRSP, you can get a full deduction of the amount yiu roll in. The roll over doesn't subject to the RRSP contribution limit.
I will post more info on this later. Shopping now.
The full amount is taxable and by rolling them into RRSP, you can get a full deduction of the amount yiu roll in. The roll over doesn't subject to the RRSP contribution limit.
I will post more info on this later. Shopping now.
唔該Uncle,等我試左先，有問題再問你
Is your wife going to have a full time job after 3 years?
This question involve some tax planning options.
This question involve some tax planning options.
佢讀完書就會搵full time做，對我攞番mpf有什麼影響嗎?太太讀完書攞左PR都希望將份mpf轉埋過黎
watch these Youtube on MPF
https://www.youtube.com/results?search_query=hong+kong+mpf+canada
Spousal RRSP (see full article via the following link)
https://invested.mdm.ca/should-you-contribute-to-a-spousal-rrsp/#:~:text=The%20main%20advantage%20of%20a,than%20one%20income%20of%20%24100%2C000.
Should you contribute to a spousal RRSP?
A spousal RRSP can be an important part of a couple’s retirement plan and even offers some pre-retirement benefits. Learn how.
Spousal registered retirement savings plans (RRSPs) can help lighten the tax load for some couples — both now and in retirement.
Open to both married and common-law couples, a spousal RRSP is a retirement vehicle that allows a higher-earning spouse to make contributions to an RRSP account in their partner’s name — and benefit from the tax deduction.
Spousal RRSPs work best when there is a large disparity in incomes between partners. If you’re the spouse with the higher income, you’ll use up some of your contribution room to invest in the spousal RRSP, but in retirement, your spouse is the one who withdraws from it. The result? Less tax owing overall.
But with a little advance planning, a spousal RRSP could let you move more than 50% of your pension income to your spouse, something that might be useful if you have other sources of income when you retire.
But don’t forget about the rules
Once you open a spousal RRSP, your partner owns it — they make the investment decisions related to the account, and only they can decide when to withdraw. That’s an important fact to understand because it could lead to issues down the road should a divorce or separation happen.
Spousal RRSPs are meant for long-term retirement savings. If money is withdrawn within three years of a contribution, the funds will be taxed as your income — not your spouse’s (this is called the three-year attribution rule). For example, if your most recent contribution to a spousal RRSP was 2022, your spouse should wait until 2025 to make any withdrawals. Otherwise, the withdrawal will be added to your income — and your tax bill.
When a spousal RRSP works: 4 scenarios
Here are some situations where a spousal RRSP might be a good idea.
1. Buying your first home
Shazia and her partner, Jeff, are ready to buy their first home. They are looking to take advantage of the Home Buyers’ Plan (HBP), which allows a new home buyer to withdraw up to $35,000 from their RRSP with no penalties.
As the higher income earner, Shazia has been contributing to her own RRSP and to a spousal RRSP for Jeff. This means that Shazia can withdraw $35,000 from her RRSP, and Jeff can also withdraw $35,000 from the spousal RRSP (even if it’s less than three years since the last contribution)..
The couple will have to put this money back into their RRSPs over the next 15 years. (To count as an HBP repayment, Jeff must contribute to his own RRSP, not the spousal RRSP. Shazia cannot contribute to the spousal RRSP and consider it a repayment of Jeff’s HBP withdrawal.) If they don’t make the repayments, there is a tax penalty: 1/15 of the withdrawn amounts would be treated as their income each year, on which they would need to pay tax.
2. Planning to have children
Iris and Zander are a recently married couple who would like to have a child in the next five years. Iris plans to take extended parental leave from her job after having a child and use her spousal RRSP as additional funding.
As the higher income earner, Zander can contribute to the spousal RRSP now and benefit from a tax break of up to 50% of the contribution. When the couple has a child, Iris can then withdraw the funds at a much lower tax rate (assuming the three-year attribution rule isn’t an issue). Note, however, there is a withholding tax when you withdraw.
https://www.youtube.com/results?search_query=hong+kong+mpf+canada
Spousal RRSP (see full article via the following link)
https://invested.mdm.ca/should-you-contribute-to-a-spousal-rrsp/#:~:text=The%20main%20advantage%20of%20a,than%20one%20income%20of%20%24100%2C000.
Should you contribute to a spousal RRSP?
A spousal RRSP can be an important part of a couple’s retirement plan and even offers some pre-retirement benefits. Learn how.
Spousal registered retirement savings plans (RRSPs) can help lighten the tax load for some couples — both now and in retirement.
Open to both married and common-law couples, a spousal RRSP is a retirement vehicle that allows a higher-earning spouse to make contributions to an RRSP account in their partner’s name — and benefit from the tax deduction.
Spousal RRSPs work best when there is a large disparity in incomes between partners. If you’re the spouse with the higher income, you’ll use up some of your contribution room to invest in the spousal RRSP, but in retirement, your spouse is the one who withdraws from it. The result? Less tax owing overall.
But with a little advance planning, a spousal RRSP could let you move more than 50% of your pension income to your spouse, something that might be useful if you have other sources of income when you retire.
But don’t forget about the rules
Once you open a spousal RRSP, your partner owns it — they make the investment decisions related to the account, and only they can decide when to withdraw. That’s an important fact to understand because it could lead to issues down the road should a divorce or separation happen.
Spousal RRSPs are meant for long-term retirement savings. If money is withdrawn within three years of a contribution, the funds will be taxed as your income — not your spouse’s (this is called the three-year attribution rule). For example, if your most recent contribution to a spousal RRSP was 2022, your spouse should wait until 2025 to make any withdrawals. Otherwise, the withdrawal will be added to your income — and your tax bill.
When a spousal RRSP works: 4 scenarios
Here are some situations where a spousal RRSP might be a good idea.
1. Buying your first home
Shazia and her partner, Jeff, are ready to buy their first home. They are looking to take advantage of the Home Buyers’ Plan (HBP), which allows a new home buyer to withdraw up to $35,000 from their RRSP with no penalties.
As the higher income earner, Shazia has been contributing to her own RRSP and to a spousal RRSP for Jeff. This means that Shazia can withdraw $35,000 from her RRSP, and Jeff can also withdraw $35,000 from the spousal RRSP (even if it’s less than three years since the last contribution)..
The couple will have to put this money back into their RRSPs over the next 15 years. (To count as an HBP repayment, Jeff must contribute to his own RRSP, not the spousal RRSP. Shazia cannot contribute to the spousal RRSP and consider it a repayment of Jeff’s HBP withdrawal.) If they don’t make the repayments, there is a tax penalty: 1/15 of the withdrawn amounts would be treated as their income each year, on which they would need to pay tax.
2. Planning to have children
Iris and Zander are a recently married couple who would like to have a child in the next five years. Iris plans to take extended parental leave from her job after having a child and use her spousal RRSP as additional funding.
As the higher income earner, Zander can contribute to the spousal RRSP now and benefit from a tax break of up to 50% of the contribution. When the couple has a child, Iris can then withdraw the funds at a much lower tax rate (assuming the three-year attribution rule isn’t an issue). Note, however, there is a withholding tax when you withdraw.