在加拿大,政府提供一系列的方式方法给个人去合理避税或延税。(康泰月子中心为您科普)
所谓避税,就是通过合法的途径降低缴纳所得税款。而延税,即是将原本现阶段需要缴纳的税款延至将来某个时期,比如退休以后,从而有效降低当前的应税负担。
在加拿大生活的人,都会接触诸如TFSA(免税存储账户)、RRSP(注册退休存储计划)和RESP(注册教育存储计划)等等。或许和当地人喜欢花未来钱的消费观念有关,过多依赖贷款过日子,政府在前些年出台了一系列存储计划,意在鼓励个人多存点钱,为未来着想。
这些计划怎么实施怎么引导个人参与一是相对高息,更重要的是能起到免税或者延税的作用。这些计划都针对个人,夫妻双方如果有一方没有收入,或者收入差距特别大时,可以由收入高的一方给另一方存款,从而降低整个家庭的应税收入。因此,合理地将钱投入到不同的存储计划里,就有机会使家庭的应税率降低一个档次,无形中将为整个家庭减轻好几个百分点的税金支出。在华人圈子里,这很有吸引力,有不少人为客户当理财顾问,通过选择不同的存储计划、保险及基金等产品来避税或延税,为这个行业增加了不少就业机会。
此外,诸如买新房或装修房子的税收抵免、长者的房产物业税资助、政治捐款税收抵免等等,对我是太新鲜了。
在加拿大,取之于民惠之于民,是看得见摸得着的。无论对国家还是个人而言,大家讲求的都应是合理的付出赢得合理的回报,只要双方都共同遵守这个原则,这将是一个共赢的结果。
"The movie is about something that is timeless, the effects of social isolation and what that really does to people. You see Margaret and her self-imposed isolation and what that's done to her mental health, and then you see what people in this community do to this child," she said.
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Royal officials have remained vague about the due date of the baby so the world media's has been camped since July 1 outside St. Mary's Hospital in London where Kate is due to give birth, growing increasingly impatient with what has been dubbed the "Great Kate Wait".