Imithetho yeNgeniso yokuTyala kwiCanada
Kwaye ngoxa i-Family Tax Cut yavumela abantu ukuba bahlule umvuzo wabo kunye nomlingane kwiirekhodi zerhafu ukuya kuma-$ 2000.
Kukho iindlela ezimbini ozahlula ngayo iholo lakho:
1) ngokuhlawula ezinye zazo kumalungu entsapho njengomvuzo okanye umvuzo
2) ngokudlulisela enye yengeniso yakho kumalungu entsapho ngokusebenzisa izabelo
Ingeniso yokuThawula ngokuThola iMvuzo okanye iMvuzo
Njengomnini wezentengiselwano waseCanada, unganciphisa ingeniso yakho ngokuqesha iqabane lakho kunye / okanye abantwana njengabasebenzi, kwaye udlulisele kunye neyongezelelo lakho lezebhizinisi kubo ngohlobo lomvuzo okanye umvuzo.
Masithi, umzekelo, imali engenayo yeshishini lakho liyi $ 75,000. Kodwa iqabane lakho liye lasebenza kwishishini yonke loo nyaka, kwaye wamhlawula umvuzo weedola ezingama-30,000. Amanqanaba akho omnatha enenetha afikelela kwii-45,000 zamaRandi, ukugcinwa kweerhafu ezininzi kuwe. Kwaye, ngenxa yokuba umvuzo womlingani wakho we-30,000 weeRhafu uhlawuliswa kwinqanaba lentlawulo engaphantsi kwerhafu, ufumene ukugcinwa kwentlawulo kabini.
Kwaye i-Canadian income tax savings ayiyona yodwa inzuzo kwesi sicwangciso serhafu. Ngenxa yokuba lakho iqabane linemali engenayo, uya kuba negalelo kwi- CPP kwaye ikwazi ukufaka isandla kwiRRSP , kukunceda bobabini ukwakha umhlalaphantsi okhululekile.
ImiGaqo yeNgeniso yokuchitha iCanada ngokuqeshwa koLuntu
1) Umlingani wakho kufuneka asebenze ngokufanelekileyo kwi shishini. Oko kuthetha ukuba kufuneka asebenze imisebenzi ayenzayo, njengalowo nawuphi na umqeshwa. Kwaye njengomqeshi, kufuneka ugcine kunye nokugcina iirekhodi zabasebenzi ezifunekayo .
Ukutsho nje ukuba iqabane lakho lisebenzela wena kunyaka odlulileyo kwaye ukhetha inombolo oyithandayo ngaphandle kwaneleyo.
2) Njengomqeshi, kufuneka uhlawule umlingane wakho umvuzo okanye umvuzo ngokumalunga nomvuzo okanye umvuzo onokuwuhlawula nabani na omnye ukwenza umsebenzi ofanayo. Awukwazi ukuhlawula imali yakhe engama- $ 70,000 ukwenza imisebenzi ye-ofisi eyisiseko, njengokufakela nokuphendula iifowuni , umzekelo. Ukuba umlingani wakho usebenzela wena njengomncedisi weofisi, kufuneka umhlawule umlinganiselo olinganayo nawaphi abanye abancedisi be-ofisi abazenzayo.
Ukugcina iirekhodi zomqeshwa kunye nokuhlawula umlingane wakho umvuzo okanye umvuzo ofanelekileyo ngumvuzo omncinci wokuhlawula, nangona kunjalo, ngenxa yeenzuzo ezinamandla zerhafu zaseKhanada. Ukuba lakho iqabane okanye umntwana engekaye umqeshwa wakho, mhlawumbi lixesha lokuba ucinge ngokungakumbi malunga noko angakwenza kwi shishini lakho.
Ingeniso yokuHlulwa kwemiGaqo
Ukuba ibhizinisi lakho lifakwe (jonga ukhetha ifom yobunini-bhishino ), enye indlela yokwahlula ingeniso ukuhlawula iindleko kwiqabane lakho kunye nabantwana. Into ebalulekileyo malunga nale qhinga yerhafu yinkqubela yayo; inani lezabelo kunye nabamkeli bazo bangahlukahluka unyaka nonyaka kuxhomekeke kwimali engakanani ofuna ukuyifaka ukuhlawula ibhakha yakho yerhafu.
Ukuhlukanisa ingeniso yakho usebenzisa i-dividends, kufuneka usethe iqumrhu lakho ukuze iqabane lakho kunye nabantwana babe ngabanini-nxaxheba; ngoko unako ukuhambisa izabelo phakathi kwamalungu entsapho ukunciphisa umthwalo wakho werhafu. Qaphela ukuba kuba izahlulo zihlawulwa kubanikazi benkampani amalungu entsapho akufuneki ukuba ngabasebenzi bezoshishino ukuba bafumane izabelo (nangona banokuba ngabasebenzi bezoshishino kwaye bafumane umvuzo kunye negalelo zabathengi).
Iqumrhu lakho liyakhiwa ukuze kubekho iiklasi ezongezelelweyo zokungabikho zokuvota zamalungu entsapho. Oku kubaluleke kakhulu kubantwana, njengabanini-nxaxheba abangabonayo banokufumana izabelo kodwa abanelungelo lokuthatha inxaxheba kwizigqibo ezinxulumene nomgaqo-nkqubo. Ukufumana ulwazi oluthe xaxa malunga nokwakhiwa kobunikazi bezabelo, ndabona njani ukuba ndibeke iiKlasi zokuBelana ngeNkampani yam entsha?
kunye neNqaku loNyaka .
Imithetho yeNgeniso yokuSetyenziswa kweCanada ngokuKhupha iMida kwiNtsapho
Imithetho yokufumana ukwahlula umvuzo ofunyenwe kwizabelo zitshintsha nje ngonyaka werhafu ka-2018.
Ukubeka nje, iRhafu yangoku kwi-Split Income, esetyenziswa kwisantya esiphezulu serhafu (ngoku okwangama-33 ekhulwini kunye nentela yephondo ngexesha lokubhala) ukwahlula imali efunyenwe ngamalungu athile angaphantsi kweminyaka eyi-18, iyakwandiswa ukuze ifake elinye ilungu lentsapho elineminyaka engama-18 - ngokunjalo ukuphelisa umvuzo wokuba uqokelelo lwentlawulo ehlawulwe kwizinga eliphantsi.
Ngoko isitshixo ekusebenziseni le ndlela yokwahlula ingeniso ngoku kuqinisekisa ukuba izahlulo azihambi kumalungu entsapho afumana imali engaphantsi aya kuchatshazelwa yiRhafu kwiSahlulo seSahlulo ngokuqwalasela ukungabikho nokuqinisekisa ukuba abo malungu balandela mithetho.
Ngokomzekelo, ukuba ilungu losapho elifumana isahlulo lineminyaka eli-18 ubudala okanye ngaphezulu, isahlulo asiyi kuchatshazelwa yiRhafu kwiSahlulo seSahlulo ukuba ivela kwi-"ngaphandle kwebhizinisi",
"Ibhizinisi elidibeneyo apho umntu wayebandakanyeka ngokusisiseko, ngokuqhubekayo nangokwenene (" ngokuzibandakanya ngokusebenzayo ") kwimisebenzi yoshishino kunyaka wokurhafu okanye nakweyiphi na into emithathu yerhafu ngaphambi komntu ngamnye."
"Umntu uya kuthatyathwa ukuba usebenza ngokuthe ngqo ukuba umntu usebenza kwishishini ubuncinane ubuncinane bamahora angama-20 ngeveki ngexesha lesahlulo somntu werhafu osebenzayo, okanye udibana naloo mfuno kuyo yonke iminyaka emihlanu ngaphambi Iminyaka emihlanu yentela ayifuni ukuba ilandelelanise. Kwimeko nayiphi na imeko, ukuba ngaba umntu osebenzayo uya kuxhomekeka kwiinyani kunye neemeko zeso sizathu "( Isikhokelo malunga nokusetyenziswa kwemithetho yokufumana imali yabantu abadala , i-Arhente yeRevenue Agency).
Ukuba lakho ishishini lonyaka, ilungu lentsapho lifuna ukuba lisebenze iiyure ezingama-20 ngeveki ngexesha lonyaka uneshishini lakho.
Eminye ingaphandle:
- Umlingane womnini-shishini, ngaphandle kokuba umnini-mali unika inxaxheba kwishishini kwaye uneminyaka engama-65 okanye ngaphaya. Ukuqwalasela imingeni ekhethekileyo ehambelana nokucwangcisa umhlalaphantsi kunye nokulawula umvuzo wokuthatha umhlala-phantsi, indlela entsha yokufafaza ngenzuzo iya kulungelelaniswa Imithetho ekwahlula umvuzo wempesheni ekhoyo. Oku kubonisa nokuba ibhizinisi linokudlala indima ebalulekileyo ekuxhaseni umnikazi wayo kumhlalaphantsi.
- Abantu abadala abaneminyaka engama-25 okanye ngaphezulu abangenayo i-10 pesenti okanye ngaphezulu kwenkampani efumana ngaphantsi kwe-90 ekhulwini yemali engenayo ekuboneleleni ngeenkonzo kwaye ayiyinkampani engcali.
- Abantu abafumana imali eyinzuzo evela kwiinkampani ezincinci zamashishini amashishini kunye nepropati efanelekileyo okanye yokuloba impahla, ukuba abayi kuba phantsi kwezinga eliphezulu lokuhlawula irhafu kwimali phantsi kwemiqathango ekhoyo "(I-Arhente yeRevenue Agency)
Unokufumana okungakumbi malunga nendlela yokubeka amandla okuqola imali ngenjongo yokusebenza kuwe ngokuthetha nomgcini-akhawunti wakho.