普通家庭有福了,INCOME SPLITTING 来了

[dreamland]

保守党政府可能推出INCOME SPLITTING计划.意思是家庭报税按家庭总收入报,而不是以前的夫妻各报各的.这样将大大减轻一方工作有中等收入而另一方收入少或无收入的家庭的税负.

http://www.cbc.ca/money/story/2006/11/21/incomesplitting.html#skip300x250

Ottawa eyes income splitting for all Canadians: Flaherty
Last Updated: Tuesday, November 21, 2006 | 6:50 PM ET
CBC News
The Conservative government is considering allowing Canadian couples to split their incomes to reduce their family's overall taxes, Finance Minister Jim Flaherty confirmed Tuesday.

Flaherty said Thursday's economic statement will spell out tax cuts the Harper government wants to implement in the 2007 budget and subsequent budgets.

Those cuts could include lowering income taxes, capital gains taxes, and cutting the GST by another percentage point.

He hinted that it may include extending the income splitting move he announced last month for senior couples to all other couples.

"That's a possibility. I wouldn't put it any higher than that … It's one of the issues we'll look at as we prepare for the 2007 budget," Flaherty told journalists on Tuesday.

Full income splitting could cost Ottawa up to $5 billion a year in lost tax revenues, according to some estimates.
Under current tax policy, Canadians file taxes as individuals, not as a couple. The idea of income splitting is to reduce a family's tax burden by allowing couples to pool their incomes ― something that would shift income from the higher income earner in a couple to the lower earner, resulting in lower overall taxes.

In late October, Flaherty said a move to allow wider income splitting "is worthy of study and we are reviewing it."

The government announced pension income splitting for seniors on Oct. 31, the same day it brought in new taxes on income trusts.

 

[dreamland]

保守党的国内社会经济政策还确实不错.

 

[dingw]

at the same time i was reminded to pay attention to Conservatives' policy/attitude for immigrants/minorities, also their foreign policy towards countries like China. If you look at their past (reform party), if you have any personal experience dealing with their party members (club, constituency office), you'd understand.

 

[dreamland]

国内政策和国际政策是两回事.

保守党的国际外交政策确实很糟糕,国内经济社会政策还是不错的.

 

[dreamland]

一些例子:

1, 如果一个家庭一方收入为80000,一方收入为0.

如果用INCOME SPLIT, 这个家庭将净多出$6500-8000 税后收入.

2, 如果一个家庭一方收入为60000,一方收入为20000.

如果用INCOME SPLIT, 这个家庭将净多出$2000-2500 税后收入.

................

这个措施要是实施,给家庭带来的实惠远远比减少GST要多.

 

[Consciousness]

实施了再说吧，只是considering

 

[mooncake]

一些人有好处，另外一些相对变坏。比方说两个labor的家庭.
总体感觉是保守党的政策对一家一个人工作家庭有利(中产的高端），自由党的政策则是鼓励大家都出来工作（中产的低端和低收入）。

 

[dreamland]

最初由 mooncake 发布
一些人有好处，另外一些相对变坏。比方说两个labor的家庭.
总体感觉是保守党的政策对一家一个人工作家庭有利(中产的高端），自由党的政策则是鼓励大家都出来工作（中产的低端和低收入）。

这政策受益的不光是高收入的. 只要在免税额度以上,夫妻之间收入有5000元以上的差距,就能增加4位数的实际税后收入.

这项政策受益面还是很广的,对新移民家庭也有巨大好处,一般新移民家庭抵加后夫妻双方立即找到类似高薪的专业工作的是极少数.大部分家庭是一个先找到工作,另一个上学或有低收入的工作作为过度期.往往在这个过度期内如果有孩子,生活开销急剧上升,对于低收入的一方往往处于非常两难的境地,如果要出去上班,如果工资低,收入还抵不上DAYCARE的费用. 现行政策有类似FULL TIME上学的CREDIT,但是这CREDIT只是杯水车薪,2-3百的实际退说根本不能解决问题.另外这政策实行后,就会有越来越多的原加拿大妇女会退出工作岗位,这样会给新移民的低收入的一方带来更多的就业机会. 有本地人(类似NDP的)会问,这政策将使工作人口减少威胁以后老年人的PENSION? 你想一想如果一个拿3-4万中等收入的加拿大妇女退出工作,这职位就没有人来应征了吗? 不, 她走了,就给新移民增加了就业机会,这些人同样会交税.

对于普通的工薪加拿大家庭,这里有相当多比例的加拿大家庭,妇女生了孩子后就退出工作在家带孩子.如果这政策实行,对相当比例的加拿大工薪家庭会带来实际好处.

如果是极高收入的家庭如CEO,律师,医生等他们已经很高的收入,也不应该为普通家庭省的几千块税而捶头蹲足吧.

没有受益的是夫妻双方都有类似高收入的,比如夫妻双方都在加拿大卫生部,NORTEL,ALCATEL,CISCO之类的高收入岗位.不过这些家庭本来就在1999-2000年赶上INTERNET BOOMING而大受其益.他们的生活本来就过得象神仙似的,如果再和单收入家庭较劲抱怨,就没意思了.

总而言之,现在已有政策是极不合理的,一个单收入的家庭和一个双收入的家庭如果总收入相同,按现行政策,单收入家庭的税要比双收入的多好几千,这是相当不合理的,是对单收入家庭的剥削.

这项酝酿中的政策的本质是
- 尊重家庭是社会基本单元的概念
- 给家庭在处理工作,育儿,学习关系带来更多方便和选择余地
- 减轻绝大多数加拿大家庭的税负

 

[regal]

最初由 mooncake 发布
一些人有好处，另外一些相对变坏。比方说两个labor的家庭.
总体感觉是保守党的政策对一家一个人工作家庭有利(中产的高端），自由党的政策则是鼓励大家都出来工作（中产的低端和低收入）。

能解释一下对两个labor的家庭有什么坏处呢? 我觉得最多说得不到好处吧.

 

[eetimes]

最初由 regal 发布


能解释一下对两个labor的家庭有什么坏处呢? 我觉得最多说得不到好处吧.

The general tax rate will increase.

 

[mooncake]

最初由 regal 发布


能解释一下对两个labor的家庭有什么坏处呢? 我觉得最多说得不到好处吧.

道理很简单，本来有一笔收入，属于全体纳税人，可是分配的结果是有一部分人没分到，你不觉得这是“坏处”吗？这是直接的原因，间接原因包括物价上涨等。

 

[Timothy's]

可减少失业,减低daycare压力,进一步可减地税.

 

[只在乎曾经拥有]

单高者将有可能找一个临时的Commonlaw 来减轻税务， 好处平分。

 

[bill]

最初由 只在乎曾经拥有 发布
单高者将有可能找一个临时的Commonlaw 来减轻税务， 好处平分。

Must have longer than 1 year offical relationship, then be reconginazed but teh law.

not all 临时的Commonlaw can be used to 减轻税务

 

[只在乎曾经拥有]

There is a gray area with respect to the TAX ACT that can be utilized.

http://www.cra-arc.gc.ca/tax/indivi...eting/personal-info/faqs-marital-e.html#apart

Here is an example question:

My common-law partner and I were living apart because she has a job in a remote area. Are we still considered to be common-law partners for income tax purposes?

The official answer is:

Since the reason for living apart is not due to the breakdown of your relationship, you and your partner are considered to be "common-law partners" for income tax purposes.