記得報稅
https://www.canada.ca/en/services/taxes/income-tax/personal-income-tax/get-ready-taxes.html
https://www.canada.ca/en/services/taxes/income-tax/personal-income-tax.html
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/sending-a-tax-return.html
credit 各大巴絲
[打你架車既VIN落去就會顯示你㗎車所有零件資料]
https://wssl.ca/store/vin-lookup/#vvindivbox
[居住指南]
Richmond Hill / Markham 一浸大陸味狗也不住
North York 周街香港人 似荃灣 唔融入
Downtown 周街白卡極危險
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Scarborough 治安差好危險
Vaughan + Jane & Finch 日日槍林彈雨
Brampton 慘過返印度
Oakville 周街土豪大陸人
Newmarket / Aurora - 返鄉下耕田？
Pickering - 等中核幅射
Hamilton /Burlington/ Ajax / Oshawa 咁撚遠點住
Vancouver 物價貴 成日落雨垃圾天氣
Calgary/ Edmonton/ Regina / Winnipeg凍到仆街好荒蕪
Ottawa 除左政府大樓仲有咩
Montreal/ Quebec 法文都唔識去條春
Saint John / Halifax 除咗釣魚有咩做？
Condo apartment 細過狗籠不如番香港
House 麻撚煩成日要maintenance
Townhouse 木造勁應聲勁嘈
多倫多生活討論區 78
唔上吾落
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點解同本地人講考慮搬去Calgary 。佢地都有啲驚訝，唔明點解要搬，覺得只係住平啲，難搵工除左石油相關。我遇過既多倫多/溫哥華既本地人100%都係咁諗，究竟係乜嘢令到佢哋腦海咁根深蒂固咁應為多/溫好好多？
Thank you Uncle! 諗埋用盡唔罰款的2000，真係犀利Are you in this field?
假設2023年中到埗加拿大，然後2023年內開始返工：前提係MPF會計落income（雖然應該有deduction），理論上今年未工作夠一整年所以taxable income較2024年低，會唔會今年年內轉MPF入RRSP好d？定將來轉都係一樣？
另外想問一下雖然到埗加拿大第一年應該唔需要填T1135，但想知道MPF算唔算係foreign asset？（如果MPF算，有可能令資產過CAD100k）
You seems to know a lot more than most people who posted questions here.
There is a time limit to roll over MPF.
If you withdraw MPF during 2023 after entered Canada and "assume you are a tax resident ". then you have up to 60 days after Dec 31, 2023 to roll them into a RRSP to qualify for tat special deduction.
If you receive the MPF BEFORE you entered Canada, then it is NOT taxable.
Thanks Uncle! Nah, I just did some research on it but tax concepts in Canada are complicated af when they all mix togetherThanks so much for your help and detailed explanation!
Don't think myself have enough time to receive MPF before entering Canada, so most likely I will consolidate and transfer it to RRSP after landed. And if I'm going to withdraw MPF in 2023, I need to ensure the funds is credited to my RRSP account by around the end of February 2024 for special deduction.
It helps a lot! Appreciate it!
Check with the bank before you withdraw money from MPF
Thank you Uncle!
講起MPF，我係用BNO申請OWP
有冇人都係BNO申請有PR之後再拎MPF？成唔成功？你地係用咩公司？
有冇人都係BNO申請有PR之後再拎MPF？成唔成功？你地係用咩公司？
https://langfordfinancial.ca/blog/What+Happens+To+Your+CPP+and+OAS+if+You+Retire+Outside+Canada/113#:~:text=Because%20CPP%20is%20a%20"member,of%20the%20general%20tax%20revenues.
Many Canadians are choosing to live in another country during retirement. So what happens to your government pensions if you decide to permanently relocate to a warmer climate outside of Canada?
It depends on how long you lived and worked in Canada.
Let's first look at CPP (The Canada Pension Plan). This is a contributory plan that is based on contributions made by both you and your employer during the time you worked in Canada between the ages of 18 to 65. The more you contribute to the plan and how long you contribute will determine how much you receive during retirement.
You will not pay any CPP contributions on the first $3500 of your income and you will not pay any contributions on any earnings above a yearly maximum that is set by CRA each year (In 2022 that will be $64,900). Any income between $3500 - $64,900 will have a deduction of 5.70% paid by you, as an employee, and 5.70% paid by your employer.
Because CPP is a "member contributed plan" it will always be yours, regardless of where you live in the world. If you paid in at least 1 CPP contribution, you are entitled to a benefit.
OAS, on the other hand, comes out of the general tax revenues.
If you live in Canada for at least 40 years between the ages of 18-65 you qualify for a full pension from OAS. If you live here for less than 40 years but more than 10 years you are entitled to at least 25% of the full pension. For every year above 10 years, you will get 1/40th of the full amount.
If you decide to leave Canada to live elsewhere in the world your eligibility to receive the OAS pension is based on having lived in Canada for at least 20 years. If you lived in Canada for less than 20 years then you will receive your pension cheque for 6 months after you have left and then it will terminate.
However, if you decide to return to Canada, you can start receiving your OAS pension again.
It is possible to have your CPP or OAS pension "direct deposited" into your bank account in your new country of residence in the local currency. You can get more information and a list of the countries where this is available from the government of Canada website.
If you did not live in Canada for long enough to get a full pension or you moved to Canada from another country you may also qualify to combine your pensions from both countries. Canada has many International Social Security Agreements with other countries to help citizens coordinate their benefits. Check to see if the country you are moving to or from is one of them.
Taxation of your benefits
CRA will automatically deduct a withholding tax of 25% from your CPP & OAS. You do need to be aware of this and look at ways you can reduce or eliminate the tax.
Many Canadians are choosing to live in another country during retirement. So what happens to your government pensions if you decide to permanently relocate to a warmer climate outside of Canada?
It depends on how long you lived and worked in Canada.
Let's first look at CPP (The Canada Pension Plan). This is a contributory plan that is based on contributions made by both you and your employer during the time you worked in Canada between the ages of 18 to 65. The more you contribute to the plan and how long you contribute will determine how much you receive during retirement.
You will not pay any CPP contributions on the first $3500 of your income and you will not pay any contributions on any earnings above a yearly maximum that is set by CRA each year (In 2022 that will be $64,900). Any income between $3500 - $64,900 will have a deduction of 5.70% paid by you, as an employee, and 5.70% paid by your employer.
Because CPP is a "member contributed plan" it will always be yours, regardless of where you live in the world. If you paid in at least 1 CPP contribution, you are entitled to a benefit.
OAS, on the other hand, comes out of the general tax revenues.
If you live in Canada for at least 40 years between the ages of 18-65 you qualify for a full pension from OAS. If you live here for less than 40 years but more than 10 years you are entitled to at least 25% of the full pension. For every year above 10 years, you will get 1/40th of the full amount.
If you decide to leave Canada to live elsewhere in the world your eligibility to receive the OAS pension is based on having lived in Canada for at least 20 years. If you lived in Canada for less than 20 years then you will receive your pension cheque for 6 months after you have left and then it will terminate.
However, if you decide to return to Canada, you can start receiving your OAS pension again.
It is possible to have your CPP or OAS pension "direct deposited" into your bank account in your new country of residence in the local currency. You can get more information and a list of the countries where this is available from the government of Canada website.
If you did not live in Canada for long enough to get a full pension or you moved to Canada from another country you may also qualify to combine your pensions from both countries. Canada has many International Social Security Agreements with other countries to help citizens coordinate their benefits. Check to see if the country you are moving to or from is one of them.
Taxation of your benefits
CRA will automatically deduct a withholding tax of 25% from your CPP & OAS. You do need to be aware of this and look at ways you can reduce or eliminate the tax.
今日返工hea到要搵野R
你融入咗加拿大既職場文化喇
Sure uncle
而家扮工上g2 online courses
而家扮工上g2 online courses
最緊要扮得似，唔好俾任何人知你hea緊。
職場無知心，今日係朋友，聽日變仇人。切記，切記
職場無知心，今日係朋友，聽日變仇人。切記，切記
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Thanks for the heads-up
Thanks for the heads-up
萬眾期待
奧本海默
識做人好過識做嘢
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