Icandelo 1: Ukukhishwa kweRhafu yeNgeniso yeMoto
- Iindleko zeMoto
- Iindleko zohambo
- Ukusebenzisa umlingani wakho okanye umntwana
- Ukupapashwa kunye nezinye iindleko
Emva kokuba ufunde zonke zombini zerhafu, uzakufumana uluhlu olupheleleyo lweendleko zoshishino onokuzijonga ngaphambi kokuba unike iirisithi zakho kunye namaxwebhu kwi-akhawunti yakho okanye usebenzise ukugcwalisa ifom yakho yerhafu yengeniso - kugxininisa, ngokuqinisekileyo , ekukhuliseni irhafu yakho yerhafu
Okokuqala, makhe sibone iinqununu ezinxulumene nezithuthi.
Ukuba usebenzisa isithuthi kwi-shishini lakho, ngaba uncitshisile zonke iindleko zeshishini lakho ezihambelana nemoto yakho?
Iindleko zepetroli, ioli kunye neefutha ezisetyenzisiweyo kwishishini lakho zichithwe. (Oku kufaka i-petroli!) Unokubanga ilayisenisi kunye neentlawulo zokubhalisa, i-inshurensi, kunye neendleko zokugcinwa kwezithuthi kunye nokulungiswa. Ukuba uboleke imali ukuthenga isithuthi, unokufaka isicelo somdla kwimali mboleko yakho njengendleko yoshishino. Ukuba uthe waqeshisa isithuthi, unokubanga ixabiso lokuqeshisa.
Ukubanjwa ngokuchithwa kwezithuthi kukuqinisekisa ukuba ukwahlula phakathi kwezoshishino kunye nokusetyenziswa komntu. Ukuba unesithuthi esisetyenziselwa ukuba ushishino kunye nolonwabo, unokwenza nje ukubiza inxalenye yeendleko zeemoto ezinxulumene nokusetyenziswa kwezorhwebo njengenzuzo yokutsalwa kwentlawulo yezorhwebo.
Ukufumana iinkcukacha ezongezelelweyo malunga neendleko kunye nendlela yokubangoza njengemali yokuncitshiswa kwezo shishino, jonga Ziziphi iindleko zokuThuthwa kweeNqwelo zeNdleko Unokumangalela kwiRhafu yeNgeniso eCanada?
Ukuze uxwebhu olu lugqithiso olufanelekileyo kwaye uqiniseke ukuba unyanzela ukuncitshiswa kweerhafu njengoko unako, uya kufuneka ugcine i-logbook ye-logbook. Indlela yokugcina i-Logbook yokuBanga iindleko zeenqwelo zeenqwelo-mali ichaza indlela.
Ukuba uye wasebenzisa iinqwelo ezingaphezulu kweyodwa ukufumana imali engaphezulu kunyaka owedlule, kubalulekile ukuba ugcine iirekodi ezihlukeneyo kwizithuthi ngasinye, ubale iindleko zakho ngokufanelekileyo.
Icandelo leendleko zeenqwelo zeenqwelo-mali zeCandelo le-Arhente ye-Revenue Agency kunye ne-Institution Guide Income Guide ichaza iiklasi ezintathu zeenqwelo zentlawulo ngeniso. I-CRA iyahlula phakathi kweemoto, iimoto, kunye neenqwelo zithuthi, kunye neklasi yesithuthi onokuchaphazela ukutsalwa kwakho okuvumelekileyo.
Ngokomzekelo, ukuba uboleke imali ukuthenga isithuthi somgibeli oyisebenzisayo ukuze ufumane imali engenayo, umlinganiselo wenzalo onokuyichitha unganqamle, njengokuba uninzi lweendleko zokuqeshisa onokuzenza.
Ukuba uthenge okanye uza kuthenga isithuthi ekusebenziseni ishishini, kufuneka kwakhona uqaphele i- Capital Cost Allowance , indlela yokwenza irhafu omele uyisebenzise ukubhala indleko yeso sithuthi ngaphezu kwexesha leminyaka. Indlela yokubamba i-CCA (i-Capital Cost Allowance) kwiSithuthi esiThengiweyo malunga nokuSebenza koShishino kuchaza indlela yokwenza ngayo.
Isikhokelo sinikeza umzekelo wendlela yokubala inzala yemali echithwe ngemali oyibolekelwe ukuthenga isithuthi esithile esisebenzisileyo.
Ngoku, kuthekani malunga nokunciphisa irhafu yengeniso enxulumene nokuhamba?
Ukuba uye wahamba ukuqhuba ibhizinisi kunyaka owedlule, ngaba uncitshisile zonke iindleko zokuhamba ezihambelanayo xa ubala iirhafu zorhwebo?
Ngelixa ungeke ukwazi ukubiza iindleko zakho zokuhlala njengeendleko zoshishino, iindleko ozenzileyo ngelixa ungahambi ekhaya ukuba uhambo lwakho luhambelana nokufumana ingeniso yezorhwebo yinkcitho ehlawulweyo yengeniso. Kwakhona kwakhona, nayiphi na iindleko ezichithwayo kufuneka zibhalwe kunye neerithi.
Ngokomzekelo, unako ukukrazula izindleko zokuhlala okanye iindleko zeetekisi okanye ezinye izithuthi. Unako ukwazi ukubiza iindleko zokutya, ukusela, kunye nokuzonwabisa, nangona awuyi kuba nako ukukhupha iindleko ezipheleleyo.
Umgaqo oqhelekileyo wokurhoxiswa kweerhafu ezihlobene nokutya kunye / okanye ukuzizonwabisa kukuba unako ukuthabatha ukuya kuma-50 ekhulwini kwindleko yokutya kunye / okanye ukuzonwabisa, okanye "isixa esicacileyo kwiimeko, nayiphi na into encinci" (iBusiness kunye Isikhokelo soNgeniso seNgcali, i-CRA).
Ukuze uthole iinkcukacha ezithe nkcukacha malunga nale ndleko, jonga Imithetho yokutya kunye nezokuzonwabisa kwiCanada yeNgeniso yeNgeniso .
Iingqungquthela yinto yokunciphisa irhafu yengeniso awufuni ukuyigcina. Unokubamba iindleko zokuya kwiindibano ezimbini okanye iinkomfa ngonyaka njengendleko yezoshishino, njengoko nje iindibano ozihambelayo zihambelana ngqo nezoshishino lakho (ngoko kuya kwiGrey Cup akuyi kubalwa, kodwa ukuya kwi-show show) . Uza kufumana iinkcukacha malunga nendlela yokwenza iindleko zendibano kwiMithetho yokutya kunye nezokuzonwabisa kwiCanada yeNgeniso yeNgeniso .
Ukuba iindleko zendibano azibandakanyi indleko zokutya, ngoko umgaqo jikelele usebenza, kwaye unako ukuthabatha ukuya kuma-50 ekhulwini kwiindleko zabo. Ukuba iindleko zendibano zibandakanya indleko zokutya, iziyobisi, kunye / okanye ukuzizonwabisa, kwaye ezi ziboniswa ngokwahlukileyo kwi-bill yakho, ke ukubala iindleko zezi zinto ngokukhupha i-$ 50 ngosuku ngalunye ezi zinto zibonelelwa kwixabiso iindleko zendibano. Uxolo - ukutya kunye neziyobisi azibandakanyi iziganeko ezifana nekhofi okanye ama-donuts!
Omnye umbuzo werhafu oqhelekileyo kukuba umqeshi wakho okanye umntanakho kwishishini lakho elincinci lichaphazela njani irhafu yengeniso yakho. Oku kulandelayo, eli nqaku lichaza imiqathango ekufuneka idibene nayo phambi kokuba uthathe iqabane lakho okanye ingeniso yomntwana njengokuncitshiswa kwentela encinane.
Ngaba umlingane wakho okanye umntwana uyabalwa njengokuncitshiswa kwentela encinci?
Abantu abaninzi abashishini abancinci bafumana amalungu abo entsapho njengabasebenzi njengengxaki. Ngokwerhafu yengeniso, oku kwenza umntwana okanye umlingane wakho ngumqeshwa, kunye nokuncitshiswa kwentlawulo yezorhwebo. Ukuba uqeshe umntanakho okanye umlingane wakho, unokuyithatha umvuzo wakhe njengendleko yezoshishino, njengokuba unokuba umvuzo womnye umqeshwa (kwaye unika ingxelo ngomvuzo kwi-T4 slip).
Kodwa impendulo epheleleyo kumbuzo wokuba ingaba umlingane okanye umntwana oqeshwe kwi shishini lakho kunyaka ophelileyo unelungelo lokunciphisa irhafu yengeniso kuxhomekeke ekubeni ngaba awuhambelani neemeko ze-CRA.
Ukuba uya kutsala umqeshwa wakho weentsapho njengendleko yoshishino, kufuneka:
- ukuhlawula umlingane okanye umntwana umvuzo,
- hlawula umlinganiselo ofanayo womvuzo oya kuwuhlawula omnye umntu ukuba enze umsebenzi,
- hlawula umvuzo onengqiqo kumntwana,
- kunye neqabane okanye umntwana kufuneka enze umsebenzi ofunekayo ekufumaneni ishishini okanye ngeniso yengcali.
YONKE le miqathango kufuneka idibane phambi kokuba umntwana okanye umlingane uthathwa njengomqeshwa osemthethweni ngenjongo yokufumana irhafu.
Iimbuyekezo zisoloko zibalulekile, ngoko ke ukuba uhlawula umlingane wakho okanye umntwana ngetshekhi, gcina iirekhodi zokurhoxisa iirekhodi zakho.
Unokuhlawula umntwanakho okanye umlingane wakho ngemveliso evela kwishishini lakho endaweni yengxowa ukuba ufuna. Ukuba uyenzayo, ngoko uya kubanga ixabiso lemveliso njengendleko kwingeniso yakho yerhafu, kwaye ungeze kwixabiso lakho lokuthengisa ngokulinganayo inani elilinganayo nenani lemveliso, ngelixa umntwana okanye iqabane lakho liza kubandakanya ixabiso lemveliso yakhe ngeniso.
Ukufumana ulwazi oluthe xaxa malunga nokuphatha umlingane wakho okanye umntwana njengomqeshwa, jonga iNgxowa yemivuzo, iMvuzo, kunye neZibonelelo zeCandelo le-CRA kunye neNkxaso yeNgeniso yeNgcali.
Oku kulandelayo, eli nqaku lijongene namanye amaxabiso asebenzayo kumashishini amancinci, njengeendleko ezinxulumene nokukhangisa, iintlawulo zezomthetho kunye neenqwelo-mali, kunye "nolunye" okanye uhlobo oluthile lokuncitshiswa.
Ezinye iintlobo zeendleko zoshishino onokuzisebenzisa njengemali yokunciphisa irhafu yengeniso ziquka iindleko zentengiso, iintlawulo zemali kunye neemali zomthetho. Kwaye kukho "inxalenye" yeendleko zezoshishino onokuzisebenzisa kwiingeniso zerhafu ezingenakulungeleka kwenye indawo. Hlola ngeendleko zoshishino lakho kulezi zithintelo zerhafu ezifumanekayo:
Ngaba uchithe zonke iindleko zakho zokuthengisa?
Iindleko zokubhengeza ishishini lakho elincinci liza kubanjiswa kweerhafu zoshishino, ukuba iindawo zokuthengisa ziyiKhanada. Oko kukuthi, unako ukuhlawula iindleko zokuthengisa ishishini lakho kwiphephandaba laseCanada, umagazini, okanye kwisikhululo seTanzania okanye kwisikhululo senomathotholo njengendleko yoshishino.
Kodwa iCandelo loPapasho leNkxaso yeBusiness kunye neNgcali yeNgxowa-mali iyaqaphela ukuba awukwazi ukukrazula iindleko "kwiintengiso ezijoliswe ikakhulu kwimarike yaseCanada xa uthengisa nge-propagast yangaphandle; okanye kumbandela wephephandaba laseCanada.
Ngoko ke, mhlawumbi, unokufanele ukwazi ukukhupha iindleko zentengiso kwi-e-zine yaseCanada okanye kwiwebhsayithi yaseCanada njengendleko yoshishino, kodwa kungekhona iindleko zokuthengiswa kwi-e-zines okanye kwiwebhsayithi ezivela kwamanye amazwe .
Ngaba uchithe zonke iindleko zakho 'ezivumelekileyo'?
Oku kubamba-zonke iindidi zeendleko zoshishino zihlanganisa yonke into esuka kwiiNguqulelo eziHlulelekileyo eziKhubazekileyo kunye neZiko elincinci nge-PHSP (iPlani yeeNkonzo zezeMpilo eziPhezulu). Ukuba uye wenza iindleko zoshishino ezingabonakali zilungele nakweyiphi enye inqanaba, amathuba okuba aya kuwa kulo.
Ngaba uncitshisile yonke imirhumo ehambelana neenkonzo zomthetho kunye neengxelo?
Yonke ingxelo yakho kunye neentlawulo zomthetho zindleko zezoshishino ezisemthethweni. Ungakwazi kwakhona ukuhlawula iifizi zokubonisana, ezifana neendleko zokufumana iingcebiso zobuchwepheshe malunga nokugcina iincwadi kunye neirekodi zakho.
Ezi zizodwa zindleko zoshishino ezifanele ukuncitshiswa kweerhafu xa uqhuba ibhizinisi elincinci, ngokwe-Arhente yeRevenue Revenue Agency (CRA). Kuyafaneleka ukuthatha ixesha lokuba uqiniseke ukuba uyanciphisa zonke iindleko zoshishino onelungelo lokuba iindleko zezoshishino zakho ziza kubangela ubuninzi benkcitho yakho encinci yerhafu.
Yaye ukuba unokungabaza malunga neendleko ezithile oye wazibandakanya kunyaka owedlule, khumbula, ukubonisana nomgcini-akhawunti wakho akuyona nje into efanelekileyo yokuyenza, kodwa i-tax deductible, nayo.
Ukufumana ulwazi oluninzi malunga nokuncitshiswa kweerhafu zorhwebo, njengokwandisa ilahleko zakho ezingenayo imali kunye neZibonelelo zeNdleko zeMali, jonga izicwangciso zentlawulo ye-Tax Income Tax Income Tax deduction .