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合法避税 (二) RRSP 窍门

bornkiller(天生杀人狂)

先给PRINCIPLE RESIDENCE 下个定义，必须满足以下4个条件：
1。是HOUSE， CONDO， COTTAGE， TRAILER的一种；
2。你拥有产权；
3。你与配偶，或者COMMON LAW PARTNER，或者子女居住在里面；
4。Live there for sometime during the year.
(第四条我不知道如何翻译)

现在再来说RRSP。假设大家已经知道RRSP的大概，我只说如何取巧。

假设你的TAX BRACKET是33%，然后由于工作表现出色，老板奖励你$3000。(用我们家乡话来说检到葩活咯，踩到粑粑咯) 其中的$1000 将缴成税。想象那是多少SLX，钢管舞？有没有办法拿回来？

有！

只要告诉老板把BONUS全部打入你的RRSP帐户，就完全不要缴税了。以前对于BONUS打入RRSP的数额还要限制，现在没有了。

(To be continued)

(#506530@0)
Last Updated: 2002-5-7
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枫下家园 / 理财投资税务 / 合法避税 (一) -bornkiller(天生杀人狂); 2002-5-6 {497} (#504004@0)
知道吗，你可以在不增加工资的情况下多拿钱回家？
我说的是合法避税。

加拿大有两个TAX SHELTER。第一个是RRSP，很多人都知道。第二个知道的人可能少一些，就是卖房子赚的利润是免税的。但是这个房子必须是PRINCIPLE RESIDENCE，意思是主要居所。
一般人假如挣5，6万年薪的，缴税后实际拿到手的只有3万多。如果卖房子赚几万块钱，不就等于多赚一年工资吗？

1987年之前，加拿大人可以拥有两个PRINCIPLE RESIDENCE，一个HOUSE，另外一个是COTTAGE。现在只能有一个了。所以我认为买房子选择入场时机很重要。

(To be continued)

那只是买的第一个房子不缴税。 -mike2000(风筝); 2002-5-6 (#504023@0)

不，只要满足PRINCIPLE RESIDENCE的定义就不要缴税。 -bornkiller(天生杀人狂); 2002-5-6 (#504028@0)

那,请问PRINCIPLE RESIDENCE是怎样定义的?如果只买了一栋房,但是是商业用房(上居下铺的)算不算PRINCIPLE RESIDENCE? -melodymeng(梅络笛); 2002-5-6 (#504036@0)

it's based on the proportion. -clear(clear); 2002-5-6 {204} (#504044@0)
say if you buy it for $300k, 50%commercial, 50% as your residence, then when you sell it for $400k, 50% of the 100k profit, which is 50k is tax exempt, 2/3 of the other 50k is subject to capital gain tax

谢谢。：）再请教：如果这种商业用房买进后先经营几年，后只把生意卖掉的话，若干年之后再把房产卖掉，这样两次分别的价格肯定小于买入时的价格，在这种情况下是怎样赋税的？ -melodymeng(梅络笛); 2002-5-6 (#504061@0)

You will have to pay tax if it's not your Principle Residence. -bornkiller(天生杀人狂); 2002-5-6 (#504074@0)
If you just sell the business and still keep the property, -clear(clear); 2002-5-6 {206} (#504076@0)
I don't think you need to pay the tax on the property because you don't realize any gain or loss, there is no sale transaction involved. but you may need to pay tax for the profit on selling the business.
嘿嘿~~你生意卖掉了,房子还是你的.(新店主是跟你租房子) -linmeimei(凌波微步); 2002-5-6 (#504080@0)

嘿嘿, 咱想得还挺美的不是？:D -melodymeng(梅络笛); 2002-5-6 (#504091@0)

笔误：应该是“卖”。 -mike2000(风筝); 2002-5-6 (#504303@0)

go ahead -lanna(小豆冰棍); 2002-5-6 (#504322@0)
合法避税 (二) RRSP 窍门 -bornkiller(天生杀人狂); 2002-5-7 {630} (#506530@0)
先给PRINCIPLE RESIDENCE 下个定义，必须满足以下4个条件：
1。是HOUSE， CONDO， COTTAGE， TRAILER的一种；
2。你拥有产权；
3。你与配偶，或者COMMON LAW PARTNER，或者子女居住在里面；
4。Live there for sometime during the year.
(第四条我不知道如何翻译)

现在再来说RRSP。假设大家已经知道RRSP的大概，我只说如何取巧。

假设你的TAX BRACKET是33%，然后由于工作表现出色，老板奖励你$3000。(用我们家乡话来说检到葩活咯，踩到粑粑咯) 其中的$1000 将缴成税。想象那是多少SLX，钢管舞？有没有办法拿回来？

有！

只要告诉老板把BONUS全部打入你的RRSP帐户，就完全不要缴税了。以前对于BONUS打入RRSP的数额还要限制，现在没有了。

(To be continued)

but it will reduce your RRSP contribution by $3000, it's just like purchasing your RRSP using your bonus. -clear(clear); 2002-5-7 (#506571@0)

You pay $1000 less tax. That's the whole idea. -bornkiller(天生杀人狂); 2002-5-7 (#506588@0)

It depends on how much you are going to contribute to RRSP from your salary. If you contribute to RRSP with maximum limit($13500) from your salary, your method is of no use. Otherwise, it is a good idea. -wins(wins); 2002-5-7 (#506593@0)

no matter what, just like x2000 said, it is still using the RRSP room. the only benefit is that you get immediate tax refund rather than wait for for the tax year end. -clear(clear); 2002-5-7 (#506605@0)

这和把钱拿回家，再自己放入RRSP，有什么区别吗？不管怎么放入（老板，你自己），好像都要用RRSP的额度。 -x2000(小城人家，多情剑客); 2002-5-7 (#506597@0)

If you take $3000 back home, you will have to pay $1000 tax. So, actually you take only $2000 back home. But if u do so, all $3000 are yours. -bornkiller(天生杀人狂); 2002-5-7 (#506607@0)

你再想想，在发的当时你可能通过这个少交税，但是到年底的时候：1。你的总收入依然多3000。2。你的RRSP额度依然少了3000。没有大的区别。而且，多数公司在发Bonus的时候，一般都是一次性扣掉50%，到年底清算 -luoboyang(萝卜秧); 2002-5-7 (#506627@0)

no, 你的总收入not 多3000, u pay tax without those $3000. -bornkiller(天生杀人狂); 2002-5-7 (#506650@0)

这么说，你的T4里没有这3000？公司会这么干么？ -luoboyang(萝卜秧); 2002-5-7 (#506703@0)
Still in your total income. Still in your T4. -fisher38(渔父); 2002-5-7 (#506952@0)

come on, guys, your heads are not spinning fast enough. This option is called employer-direct RRSP contribution -bornkiller(天生杀人狂); 2002-5-7 {466} (#506671@0)
Sam : $60,000 salary+ $3000 bonus
Tax : 33% * $63,000 = $21,000

RRSP : Sam will contribute 18% * $63,000 = $11340 to his RRSP account;

But if Sam's employer put bonus directly into his RRSP account,
at the end of the year,
he will pay tax 33% * $60,000 = $20,000
RRSP: 18% * $60,000 = $10,800;
$10,800 - $3,000 = $7,800
So, you can see Sam pays $1000 less tax, and he only needs to put another $7800 to his RRSP account, instead of $11340.

So, do you mean that Sam's total income dose not inclode such $3000? $63000 is incloded, $60000 is not. By the way. where comes the 33%, is it 16%,22%,24%? -holly999(酒肴肴); 2002-5-7 (#506932@0)
employer-direct RRSP contribution 我们公司就在用。但是，怎么可能你的T4里没有那3000呢？你再想想？这一进一出根本balance不了嘛。除非公司和你串通好了做帐。 -luoboyang(萝卜秧); 2002-5-7 (#507034@0)

到底这个方法可不可行呀？大家给个最后意见。谢谢。 -merymaid(merymaid); 2002-5-7 (#507241@0)

他们不信，我也没有办法。这可是专家意见。 -bornkiller(天生杀人狂); 2002-5-7 (#507833@0)

Even as what you said you can exclude $3000 on T4, you still can get an opposit result, see this... -graceytw(Grace); 2002-5-7 {416} (#507232@0)
1. Ask boss directly contribute $3000 to RRSP. At the end of tax year, your limitation of RRSP is 60000*18%=10800, you can contribute 10800-3000=7800 to your RRSP. And your taxble amount is 60000-7800=52200.

2. Get $3000 right away. At the end of tax year, your limitation is 63000*18%=11340, and the taxable amount is 63000-11340=51660

You see, the 2nd situation can get more limitation for RRSP contribution.

Direct or Deferred RRSP will be list on T4 as box 30 which means benefit changes ( i can't remember exactly) and it will count to your next year's RRSP room. Revenue canada will show you on the assessment letter. -ottawa(ottawa); 2002-5-7 (#507415@0)

Revenue Canada has been replaced by CCRA now. -bornkiller(天生杀人狂); 2002-5-7 (#507834@0)

it will have higher rate (50%?) for bonus than your regular income. that's why the people will put the bonus to his RRSP account -ottawa(ottawa); 2002-5-7 (#507400@0)

@Florida

合法避税 (二) RRSP 窍门

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