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本人18年開始居住加拿大 一直以嚟Credit card都會有支付小費選項 唔係疫情後先開始 普遍文化都係15%

John 係一舖清袋例子

你好，我將會以SP 身份於9月到加拿大，如果到埗後才把資金轉到加拿大，是否要交稅？調入資金的時間有沒有寬限期？

Hello Zoe, 想請教下我今年4月用永久離港的原因申請取回MPF, 一路都未批，5月尾到埗，6月中，未夠一個月左右就到帳，請問這個情況需要開RRSP account 嗎？還是可以當係資產？謝謝你

Hello Zoe, 想請教下我今年4月用永久離港的原因申請取回MPF, 一路都未批，5月尾到埗，6月中，未夠一個月左右就到帳，請問這個情況需要俾稅嗎？還是可以當係資產？謝謝你

Very interested in retirement planning for those who want to retire in a warmer country. Resident vs non resident difference... pls expand on this theme... good work.

I have been living in London Ontario for over 40years. Living quality is far better than western cities, GVA AND GTA.

Most chinese immigrants always selected western cities Vancouver, Edmonton Calgary or Toronto GTA areas, they often neglected London Ontario. It's a quiet, modern, peaceful and very convenient city with very low prices high quality houses. Prices are half of GTA prices.. Crimes rates are very low . Great for young educated well-off families. . It was rated the best city to raise children in North America. The city has all 3 levels of government offices, no need to go to other cities to get any government documents. We also have 3 large Chinese supermarkets, including T & T Supermarket. Every thing you need are within 15 minutes driving. Living quality is better than Vancouver GVA and GTA cities at half the costs.

最新加拿大5月通賬cpi反彈由2.7至2.9，主因房價和租金按年上升6.3％。點睇！

是很好的註冊戶口，不過額度有點少

試過見過大人同埋小朋友最多買幾多危疾額?

Very useful information, thank you

hello 如果我有份refundable嘅medical insurance (surgery fee) 保險夠期嗰時refund premiums 洗唔洗交稅？

唔好意思, 即係... 1.香港人自己名、自己係受益人的危疾保單... 理賠返比自己, 這香港人係加拿大就唔使計稅? 2. 合法受益人=指名道姓? 定寫"法定承繼人"都可? 香港人母親只有一個女, 母親份人壽冇指定名字, 個女(移加港人)係加拿大要計稅? 唔好意思... 有點亂... 定你之前有邊段片有講過? THX!

請問海外的遺產還需要由加拿大來認證嗎？謝謝

👍👍👍🙏🙏🙏

多謝晒Zoe好有用嘅資訊。加油謝謝。👍🙏

與其他國家稅務協定，理論明白，操作不明白。我退休民回流到香港，在香港根本無收入，唔會報稅。定期從多倫多𣾀款支持生活。在加拿大收入，當然報足稅，那麼，加拿大和香港的什麼税務協定，有什麼關係？

謝謝分享，可惜不在多倫多。

新例好似保護租客，但而家出租物業回報已低，資產增值稅又加，之前會諗出租同時等物業升值，但樓市泡沬太大，樓市上升無力，持有物業出租愈來愈沒好處。 可以預見物業放租數量會減少，一二年後租客面對困境會更明顯。

好多謝你講租務管制條例, 我是業主，我賣樓，租客竟然不比我做open house 而arbitrator 准許

差不多和共產主義一樣。可以的話，快脫手不做業主為上冊。

政府新政策好啊！

厘個故事告訴業主們：千萬要以最高租金出租物業，免租客因平租而賴死唔走。可預期租金將居高不下，而責任全是當權者!

講得好呀，希望遲啲有機會和妳見面

可唔可以講下 net operating loss (NOL) 既內容, 好與壞, 可接受範圍?

你好，听不懂广东话，可以加中文字幕就好了！

RRSP works like this--if your are taxed at 30percent, you buy RRSP. You may drop it to 20percent. But if for some reason, you need to take a large sum out or you need to collapse the plan, you may end up paying 50percent. Therefore, RRSP is only for high income individuals. If you belong to low income group, don't buy RRSP

多謝妳！講得好好👍明白真進知識

你好，請問打算6月申請IRCC，8月到CA 但未知最後會否決定定居，是否最好在申請PR前提取MPF入香港銀行，CA就不會打稅呢？

如果用Family Trust又可以嗎？

Very informative...

可以講下 有關香港<儲蓄人壽保險>嘅稅務問題？

官員都是中產以上,不太感受到實況,但數據落後於現況.當然為官者睇數據最穩陣,睇數據才決定,你都做得吧!

最差嘅情況就係阿John有第二頭住家，有兩個私生子女，都唔知邊個係大媽一頭住家，二奶一頭住家，個二奶攞住份DNA報告向法院落咗釘所有遺產承繼一定要通知佢。

Hello, may l know you are an accountant or an insurance agent?

Good information, thanks. By the way may I ask that my son already left Canada and went to Hong Kong few months ago for work and intend to stay there about 4 years to gain experience (as you know, it is hard to work to find a job in Vancouver), however, he is one of the owners (my wife, my son and myself) of our principle resident. Some people told us that he need to transfer his ownership to us but some others said it is not necessary if it is your principle resident. Please advise whether he needs to transfer his 1/3 ownership to us ? Thanks a lot.

CPP payment 的计算取决于供款额和供款年份数，请问供款年份是如何影响CPP payment 呢？谢谢！

Honestly speaking... the rate right now is not that high compared to the historical rate. It is just super low these recent years. I don't agree on the rate cut at this point. Market has it cycle. It can't be bull market all the time. It is just time for recession to reset things up. Mr. Trudeau is just trying to hang in there, not letting it market crash before the election happens.

通脹跌唔落，減息好大鑊

準備熊市

萬眾期待！加拿大6有望有減息！

加拿大稅制最大敗筆，就喺冇定義到幾到個人資產為之富豪，又冇定義中產階層資產值，淨係識收稅。收增值稅都應該要分階層，唔喺咩都一刀切，政府人員如果咁簡單頭腦就可以做，咁不如直接AI取代班老海鮮。😂

請問有聯絡電話號碼嗎

very good info. thank you Zoe