A Canadian Tax Scheme - The TD1 Tax Credit Return Form

Tax Credit Return Form

When I was attending Momentum here in Calgary, Alberta, Canada. I honestly believed this organization could not help me with anything beyond saving/managing money;  Boy was I wrong! When the Tax class came around, the students were in for on big ass surprise about misinformation about how taxes function on all levels and how families not financially literate are un/intentionally crippling their child/rens future in a big way.  Not only do people not understand how tax deductions work. But that in order to best maximize tax efficiency every year is to resubmit tax credit forms every January the 4th. The tax form in Canada is called the TD1 which employers give a new employee to fill out.  People, such as myself have fallen into the pit of only filling it out once and only once in our lifetime - this is if each of us are with the same company for more than one year.  

For those individuals employed with the same company throughout their life, you still have to resubmit your TD1 Form  each January as Tax Credits change. Even if the credits are either only a menial 4 cents to the dollar or most don't apply to you. You still could be missing out on what could be $15 per pay period. 

For many of us, myself included, who work or have worked for the main company or multiple companies in one year. Careful when you fill out the TD1 form from the company as if you do not put  a zero at the bottom box. The Government will believe you made twice the amount of money than your main source of income shows. Therefore unnecessarily double taxing you even if you show that you currently have small amounts of money to your name to show for it. I have had a full-time cashier job in 2014 and a part time cashier job on top of that. Since no one I know is aware of this issue made me aware of not double claiming tax credits for 2014, I may have missed out on tax credit I deserved even when the Government knows I am a low-income worker.

Since learning of this tax credit scheme made by the Canadian Government, this 2015 tax season I could be getting more back even though I have made less in 2015 than I had in 2014. My hope is you help yourselves to this tax saving tactic to avoid getting in financial trouble as I have been in all of my life. 

Best of Luck in the New Year

Kevin Miller 

Self - Employed Business Makes $20 000 on a $50 000

Self - Employment Business

Self - Employed Businesses  sounds fun, unfortunately, the  first time Self - Employed Businesses and Startup Companies tend to fail within the first 5 years.  Although this reddit user made $20 000 off his $50 000 in the first year. The reality is he is lucky. When poeple go into business for themselves, most if not all, do not see the risks involved in Start Up Companies and Self - Employment.  Poor planning is the core reason of the company's failure to servive the first 5 years. Some even within the first six months to a year. Should Self - Employed people and Startup Owners have money to throw out the window, that is a red flag to concern yourself over. 

These risks include but not limited to: Lack of experiance; Poor Enviromental Conditions; Swindlers Pretending to be Investors; Co - Signers who skip town (yes I have heard this happening which costed an owner since the restaraunt did not even make the opening day much less the six months); Recession; To much competition (Not so much the restaraunt itself but the product sold); Rent - Owners pay rent too; Staff issues - Over staffing/Understaffing, Sickdays needed, Staff With Health issues, Transit issues, and Theft; And location - Sometimes taking a cheaper place cause rent is scarce can create less foot work all the while over projecting advertisments can still cost you money. I worked for a startup franchised where all these issues were in place at once. Employees do not want to show and/or leave early costing customers, the location costed the company pedestrians because of location even when he invested heavily in advertising.  Even renting a Food Truck/Trailer to help sell more of the product.   

Should individuals decide to go into business for themselves. Homework needs to be done first before Starting up a Business or Self - Employement.  I have grown up learning about Self Employment and Family Run Businesses since my dad had his own Brick Laying Business. And my mother knew people, Most in the construction industry, who were Self - Employed. I would be completly skeptical if any of them had millions dollers to piss up a tree. If they did then that is a red flag to concern yourself over. There is no such thing, from what I have seen, as rich quick scheme from a Self - Employed or start up company.  It takes way too much time and effor for a company to start generating money much less a sustainable income. 

Kevin Miller

College Fund For Baby - Reddit

College Fund Baby - Reddit

Banks as far as I am informed already allow people to open fund accounts geared toward the child's post-secondary education. With a $500 incentive provided it goes to the institution of your child's choice.  You are able to contribute to it at little to no tax cost to the child as long as they are willing to use it for their education.  Should they decline, you may return all of it back to the bank at the cost of the money you put in the Child's Education Savings Account. Which in a way is kind of type of backstab scam on banks part since not only are they taking the initial $500 back but also the accumulated interest and the money you put into the pot. Which I do not appreciate hearing since on the realistic side, not every child is born rich; wants or will continue on with education; completes high school; lives to see their high school graduation. This may be a great advantage to help your child through to college if you are a Dual Income Family and/or in the mid to high-income range. Otherwise, you and/or your child/ren may decide to find alternative ways to saving for future education.

Kevin Miller

How to make your Summer Vacation Tax Deductable.

Interested in deducting your summer vacation?  Well so do I, should there be a person who would not interested for it then hey is broke all you want.  And for those who are careless travellers for lack of a better way of stating overspending, I can guarantee you there are many tidbits to be missed and it is unwise to not practice this even if you believe you make more than you believe.

Medical: When the accountant held his workshop at momentum, he stated for those with health ailments and needing special attention otherwise not available to you in your City or Region.  As long as you have a Doctor's referral or a referral from a health professional who is by law allowed to give specific referrals to a medical practice in another location, then you simply can have your travel expenses deducted since the practiced such as a Chiropractor/Dentist/Surgeon was not made available where you live.  Even if you have to go to Australia, Vegas, L.A, or even Bangkok for that matter. However, you have to keep records for your deductions for Health products such as Prescriptions, Eyeglasses, Eye Exams,  referred Psychological Assessments,  Counselling Sessions, Referred Chiropractor, and most things Health separate from travel expenses since these are classified as Health Deductions. Keep your stay within a time frame of the Medical session. I.E if you are scheduled for lots to say November 15th.  Your best bet is to get their November 14th and attempt to get back by the 17th or 18th for your deductions to be considered valid and not suspect.  However, in many cases, you may have to stay longer. You still get deductions for your trip, but should you have broken your arm, the deduction still is limited to a few days of expenses.  This is where you have to be cheaper than you may be used to.
Note: Canadian Government only allows a 15% on 3% of All expenditures.  I.E Add up 3% of what you made in the year or what you spent on Medical Bills and they like the lesser of the two to a maximum of $200 I believe it is.  For example, last year I brought in $28k. 28 000 * 3% = $84.  Now my medications throughout the year cost me $768 annually. However, the Government is so cheap they would rather give me at 15% deduction on $84 which comes to $12.6 Canadian.  Not a whole plenty, however, it is as most people state more than most third world countries.

Government Tourist Tax Rebate: As I am to understand this one via other people's networks, when I travelled to England for the first time in 2004, my mom had a friend who was a jet setter and loved travelling to other countries as much as she could.  Her advice to me was I need to keep any and all receipts of merchandise, products, and possibly souvenirs  bought in the U.K.  As the Canadian Government would give me the taxes I paid back to me. These receipt locations are in the Airports. Unfortunately, I missed out because I wasn't sure which airport I was to submit my receipts too. Ah well, next time I will keep all my receipts on products I bring back to Canada.

Hope some of these tax reduction vacation ideas help you during your next trip to the Tropics or California. Best of luck with your travels.

Kevin Miller

Does Uncle Sam Tax Kiddie Lemonade Stands? - And Myths about age limitations on SIN (Canada) and SSN (US)

Does Uncle Sam Tax Kiddie Lemonade Stands? 

And Myths about SIN (Canada) and SSN (US) Application Age

I'm sure many of us have done this or know someone who has, a child or children who have created a Lemonade Stand and sold Lemonade.  However, this issue is definitely something to consider when your child or children run a stand.  What about SIN (Canada)/SSN (US)? Well, the myth is that a person has to be a certain age to apply for these.  Well, true it is best to wait until 14 since Companies in the First World Countries have to apply Child Labour Laws, however this does not mean you are unable to get one earlier since Children who do like making money will find ways to generate income for themselves such as the Lemonade Stand or raise funds for a charity, so on and so forth.

Few people, if any, think that a Lemonade Stand does not make enough money to be considered a business.  Well, unfortunately, think again. In the eyes of the Government, a business is still a business regardless of age, revenue, and length of time of these Kiddie Lemonade Stands. As long as there is some sort of transaction between two people, Financial especially, the Government's Taxes still apply.  However, here's the catch, Thrift Stores and Second Hand Stores Find ways around those stupid irritating tax laws. From Donations of some sort - (be it a Gift Card to a Family Hospital - Or Clothing Donated to an Organization's Christmas Gifting such as a church who may decide to put a Santa Clause Christmas Package together), A company approved charity which guests can help fund with loose change, Or stating the organization as  a Non - Profit since the company or companies are gearing to a certain demographics which is mostly disadvantaged people.

People may think that SIN Numbers (Canada) and SSN (US) has a minimum age limit to apply. This Myth may have some if any truth to it. Especially since First World Countries have child safety and slavery laws when it comes to income. However, this does not mean your child is completely out of age range when qualifying for Social Insurance and Social Security Numbers which Governments can identify each individual with. Just means companies have age restrictions when it comes to hiring people of a certain age. If you think about Farming/Fisheries or any Family Owned Organizations, chances are Children's Rights either do not apply or is rarely if ever enforced.

A child who wishes to opens a stand will need to have a SIN or SSN since Tax Laws are still in effect for individual/s operating the lemonade stand.  Should you wish to get the tax reduction of Lemonade Stands, its best to Open one yourself and hire your children, therefore, opens up any Tax Reduction Privileges such as waste, storage, damages, and money spent on Products. Simply I believe this method is way easier since you are training your Child's business senses without jeopardizing their futures by allowing them to unintentionally practice tax evasion.

When doing the process for the first time, it might feel like a pain in the ass hassle, it is. However, the more times you do this the less time the process takes since you already know what to do when supporting your children for the Future.

Kevin Miller

Note: Please Keep in Mind Garage Sales, Baby Sitting, Lawn Mowing, Dog Walking, Snow Shoveling are also part of this programme. Income is Income to the Government and would like to see it on Paper.  They will decide the End result of Taxes paid will be necessary.  Last time I read, $3000 was the taxless minimum.  All countries and their States/Provinces are different when decisions are made.  

The Middle Class Minority

Middle Class Minority

As expected by many people in the financial world, The Middle Class is now becoming more and more of a minority compared to both the Lower Income Workers and the Higher Income Workers in North America.  Myself being on the lower income level, although I have members of my family well off, it is becoming more and more hard for the to help financially. Something I have been growing concerned about the past few years.  Getting a job for me is one thing, retaining it and having a sustainable lifestyle from the work received are a whole other ballgame, the same lifestyle my family I was raised up in has the chances are I will not be able to raise a family in that same life ever.  This is assuming that I will have a spouse and children in a traditional 1900's setting.

Although families are getting smaller and smaller, the amount of immigrants needed to offset this North American dilemma of smaller families will possibly hurt the next generation since all the Middle Class is slowly going to Asia forcing us to go backward to the Monarchy and Feudalistic way of life before North, South, and Central America ever existed.  I simply cannot imagine having children who will be forced to live under such a regime of serfs which people from Eastern World to the Western World to escape from.

For the time being, I am simply finding ways to enjoy my life regardless of the emotional stress that comes with being a debtor myself. And knowing the even though there is employment here in Calgary Canada, some of these Employers and/or Managers either lack leadership skills or have a higher sense of entitlement that they screw the economy for other people without regard for that person's well-being.

Hope I am not the only one who sees it this way, if not, well then I may have to find people who understand my situation and who are willing to help me with my outcome.
Until then, Merry Christmas and Happy New Year.

Sincerely

Kevin Miller

Tax Time and RRSP Loans

Tax Time and RRSP Loans

Recently, I joined Momentum, an organization which helps low income, youth entering the workforce, and disadvantaged people save money.  Basically, the way the helped me was during the six months I was with them I was to save $50/month up to $300 for the entire six month workshop. One of the classes dealt with Taxes at all levels hosted at Momentum and taught by an accountant who has experience with personal accounting, corporate accounting, and was moving up in the world to international accounting.

One of this accountants pet peeves was the idea of getting a RRSP LOAN, something he said never made any sense for people to have. By the time you pay the loan off, the RRSP could be environmentally worthless since people now know that jobs, especially over the past couple of generations, have become less and less secure, therefore rendering a loan of any kind for personal finances useless. If you get fired, let go, downturn, company goes under, than you are left paying a loan at the same rate as a student loan.  Plus the interest made on the RRSP and TAX FREE SAVINGS ACCOUNTS are so low, that you would not make any money off it for retirement which is the goal of RRSP's to begin with. I.E a loan would probably be 10% and the interest made is something like 2.5%/year. Plus you would have to pay back the Government Taxes from the first year you started contributing to RRSP. For example, if you put $100 away in 2015 at the lowest tax bracket which is 15%, you will get $15 in tax refund in 2016, instead of spending it put aside $115 for your 2016 taxes, than something like $130 away for 2017 RRSP, so on and so forth. Basically take the 15% RRSP tax credit each year and reinvest it. When you retire, the $15 credit from the first initial $100 RRSP contribution you made in 2015 will will go back to the government. By that time you would have made 2.5% a year on the $15 for as many years as you are working. So the RRSP loan itself is something you should consider avoiding all together.

When married or with a common law, this gets a bit more interesting. It is best to put the RRSP into the higher wage earners account since that person is likely to be in the higher tax bracket. I.E I have worked in the lowest tax bracket since 2000.  And if I was married and my spouse was in the 25%, it would have been best to put all our money in the RRSP of the person paying 25% since instead of receiving only $15 off of $100, we will be getting $25 from the $100 instead.

Give it a try.  This non RRSP Loan is a plenty easier route to go even if you cant max out your RRSP room the first year.  You will notice in approximately five years time it will not matter since this method only takes five years to max your RRSP room, when you do you can simply keep your RRSP's topped up the rest of your life and still have extra money from your tax return to spend on whatever it is you either need, want, or any debts you wish to pay down.

Sincerely

Kevin Miller

Severe Debt Reduction

Severe Debt Reduction 

Currently, I am needing help from the community of Calgary and the hopefully the Canadian and North American Public altogether. My debt issues are ever increasing via many issues which are out of control. Much (98%) of these issues started environmentally in small doses.  

Now new environmental issues have stacked up on previous issues which I have not been able to keep up with in the first place, and these issues are not abling me to move forward financially. 

Just like the poster on Reddit his Dad destroyed both his finances and his health leaving the poster to clean up after the father with no financial support.  I have been raised and lived under people who have crippled their finances crippling my chances to move forward and not offering any help in return. 

Since I have a mental disability, job retention has been extremely difficult to do. Having an inattention issue costs me jobs kinds of jobs and since i am on medication, operating heavy equipment is not allowed. Matter of fact, people on medication are simply not allowed to even be driving period as defined by law, being on medication is the same as being drunk. Both being under the influence. 

Labouring jobs have become more insidiously difficult to do since I have been unable to get proper treatment for my recurring whiplash and my possibly pinched nerve.  My MRI has finally been scheduled for mid-March of 2016 and I requested one last October of 2014. Since I don't get paid much when I do get jobs and they force me to wait six months at least for benefits if it's even offered, the cost of meds gets in the way of moving up the MRI to a closer date and time. 

Although, I prefer to be working, my limitations are becoming more and more evident and far more severe than when I was younger.  Without proper funding, I will not be able to move forward, which is to say I have started a CrowdFunding for myself since more and more people are unable to help me financially. This fundraiser is on top of the Refugee Campaign Fundraiser I am doing for my church, a difference is this one is so I can reduce my accumulated debts since I have been having a difficult time retaining sustainable employment.  Although people will state that Canadians have such social assistance packages such as EI and Alberta Worx while I seek work. There are many hurdles in the way to receiving and length of time these assistance programs are received. Since I have been on EI once in the past, I needed 2 times the amount of hours needed to qualify for EI compared to the first time I received EI. I needed 800 hours last year from Seven Eleven compared to 400 hours from Regal Building Materials back in 2009. I just barely made it over that qualification, this time, I was only allowed to have 5.5 months of assistance. Both times I was forced to wait an entire month for the first payment to go through even though I had applied for EI, the second time came at a more severe timing since my manager intentionally made me wait for my vacation pay longer than legally allowed.  Which are two weeks maxed to receive Vacation pay from the last day worked, I waited for an entire month with rent way behind and no finances for laundry, food, fuel or vehicle insurance. As a result, I lost my car which now hurts me because I still owe an outstanding balance for the auto loan. 

Any and all Donations I receive will definitely go toward reducing this debt at the very least and hopefully eliminate it  for good. All financial help is currently welcome and deeply appreciated.

Merry Christmas and Happy New Year

Sincerely

Kevin Miller

Dad Squanders Health and Finances leaving son to clean everything up.

Squandered Health

I wish I could help this person , Unfortunately I am in the exact same boat and still trying to figure out how to clean up after my family and move forward with my life. If someone can help us both out, I would love to here. I do have a disability, downfall is my family physician has control over whether or not I qualify for social assistance.  He does not even have to do research with the evidence I gave him from my Psych report. He just has to give a bias factless opinion and my life is screwed period. To find a new doctor means I need to find money to transfer all medical records from one Doctor to the next, even than, time is needed for the new Physician to get to know the patients current issue. I cant pay if I don't have a job. I can't get a sustainable job if the Doctor does not get the idea how mental disorders affects me on the work place. And Companies either have no way or not interested in accommodating my needs. Which leaves me out in the cold.  People will tell me to get help from my family, which in the real world, is not a valid response. Since my family history is one of abuse, neglect, and control. There fore leaving me uber screwed since Money all together is needed for long term sufferers have no way of getting around what problems have been given to them.

If there is anyone who can and is willing to help, your time is greatly appreciated.

Kevin Miller

One persons pension buyout - Reddit

Should he take the lump sum? I believe so, needing the money now to move on with his life after the job he left is the only way to live, especially in the new non-pension market.  Those white collar pensions are no longer easy to come by. Although few people of the previous generation still have their buyouts, I have yet to see anyone in my generation be offered such a gift on any level of administration and income bracket. Should I be this guy, the answer to his question is yes take it and leave.

Kevin Miller

Job Hopping - Reddit

Job Hopping and issues surrounding it

I agree with one of the poster's in this Reddit Post, Job jumping especially early in life or early in a career can ultimately hurt you in the long run.  For multiple reasons over the past decade, I have switched jobs for reasons out of my control which is now mounting up on my shoulders making each job interview harder and harder to make myself believable.  With mounting ailments, the job search is quickly becoming a stressor which I would never wish on even on Adolf Hitler.
Hanging around an organization for a couple of years minimum regardless of wage and management style gives a very little leniency on future employers as it shows your dedication on paper. When during interviews, it is about who you know you are working for and knowing how to adjust to environmental issues of any kind.

Kevin Miller.

Blog about monopoly

Monopoly is a great game of learning the basics of Corporate survival. This Harper's Blog is dedicated to the individual who,when, and how he created the game.  Not only does the history of Monopoly date back to the 1930's, it's predecessors pre-date the game even as possibly as the mid 1800's when a poor unemployed farmer wanted to understand the reasoning to why in a free market more and more people were broke workers or unemployed with little to pay rent and landtaxes with.

Hope you enjoy this article as much as I did, this helps people understand how the rich of a free market can just as easily cripple a person's decision making as easily as the communist party of china.

Kevin Miller

Life Hacks - Cost Effective Strategies.

COST EFFECTIVE STRATEGIES

Throughout life, there are going to be financial decisions which affect your life in small ways.  People with think these financial woes are small and unimportant, which is further from the truth than anyone and everyone realizes. These issues, however small, are no less inconvenient than an accident on your way to work. Especially if you are just entering the work force, low-income worker, Single parent family,ETC.. When and where these inconveniences cost you more than the moments initial impact.  These are some Cost Effective Strategies I have picked up,have learned from others, and have been suggested to me the past decade. 

Laundry Detergent/Dish Soap Swap

Think this one is unusual? It is, however, even if both styles of soaps have been modified to clean their respective territories.  They are manufactured with the same chemicals, only less strength when crossing over.  I.E Dish soap deals more with grease and Detergent is dirt remover, when crossing over, especially with detergent, the dish's will need a bit more of a soak prior to cleaning and a bit more of a rinse. I used this tactic when I was severely hungry, yet needed to clean both dish's and laundry. When I'd get in to work, people noticed I smelled like Sunlight Dish soap. One needs to be able to dry the clothes in the dryer since air drying is not recommended in this event. 

Buying Cheaper in house products 

Unless, its pop,alcohol, and other beverages which do make a difference in many ways, There is no such thing as a no named product one can buy that will create a lesser result when needed. You may like Tide, Tylenol, Mr. Clean, Dove, and Sunlight Soap, however, having a brand name is not any more better than a non brand name.  You simply pay more for the name and label over the quality and quantity.  When I was younger, there was no way in Hell my mother would buy a named brand Laundry Detergent when she can get the cheaper dry soap for ten times less and last an entire month. A  we would get the large three foot by four bin of no name detergent from Superstore which lasted a month and a bit even with four people leaving us with less concerns on the next shopping trip. 

Shop Off Season/If possible, Shop at different Locations 

If you think shopping for Seasonal, Sporting, Wedding Items and School items is expensive, you're completely 100% accurate. The reason is , with the acception of Wedding Items, is volume. Retailers intentionally jack up prices on items at times when they know are going to sell by the volume. Therefore creating a massive hike in prices.  When you shop for Baseball, Hockey, Football Gear for your children. Always go at the end of the season when noone is buying them since they will be nearly 4 times cheaper than that at the beginning of the season.  I.E a certain brand of Baseball bat like louisville slugger might run at $60 starting March prior to spring training all the while the same bat from the same location will run for $25 starting mid to late July and possibly cheaper by the end of August. Starting mid February, to the end of the spring which can be sometime around June, prices on Camping/Hiking, Outdoor, and Yard Work items will increase dramatically anywhere from $5 to $15 depending on location of a retailer and who's managing the store.  School supplies simply can be bought around Spring time at a cheaper cost than Mid June to Mid October since children have already bulked up on school supplies before the start of fall. Location is smaller factor when retailers make price adjustments.  For example your neighborhood Wal-Mart, (Dont get me wrong all walmarts stick with the same program at all stores, making Walmart an example only.) can be $2 more on specific seasonal items than the Wal-mart across town. Careful However, burning up fuel might just cost you more to go across town than if you went to your neighborhood retailer. 

Pat attention to certain floor plans when shopping. Every retailer is only attempting to play tricks on your visual psychology. You may believe you are simply getting a discount on a product at a store when the reality is, the company you buy a canned Campbell's Tomato Soup from is the same price as the one at another company. Not only do companies downplay Seasonal price increments, but they from time to time also play cheaper than the guy next door just to play games with you.  You are companies' pay cheque and will find ways to have you continue buying from them. 

Getting to know someone on the inside

As the saying goes, Its not what you know its Who you know, which can be your greatest asset. When you have a history with a certain store long enough to know not just staff but management, you are liable to get more for what you would normally pay for at any given time.  The reality is life is about favourites and the most heavily favoured you your the more likely it is you will get away with paying less of a great item then the closest and most rich people you know. 

When shopping for necessities, not only should you spend time assessing quantity of why you are buying, but the quality and effectiveness of that item which can be used elsewhere not related to the specific reason of its use.  And pay attention to the time of day, week, month, and year as all these have an effect on the price of every item in the store. Hope I have provided enough info on ways to expand the few dollars you do have and get everything you wished for. 

Kevin Miller

Narrowing Middle Class

Narrowing Middle Class

Middle Class Gap Closing As Predictions Suggested years ago not just by middle class individuals but analysts have been predicting Middle Income Earners are becoming fewer and fewer by the Generation.  To many aspects play into the narrowing of Middle Class people ranging from fewer jobs for the younger generation, outsourcing, insourcing, not enough demand for many of the jobs in many companies, ETC... Which is to say why I have been stating my concern for the lesser fortunate people who lack the ability to compete for certain positions over children even of the lower income class.

My hopes and wish's that if you can't help society, help your children save for their future's to help them compete in any market place of there choosing.  Life is not always about the parent's ideologies of Governments, Corporations, and any political lifestyle. A child's ability to survive in a marketplace depends on the caregivers ability to reason and aid the child until  s/he is able to sustain themselves.

As much as I dislike Donald Trump for many reasons which I don't have time to go over, he and Judge Judy even believe parents have just as much power, even more so than corporations, over the future of their child's survivability.  Downsizing material things may be scary at first, however, when people start living without the same items they had for a long time. Like childrens toy, you learn to outgrow it eventually allowing you to manage yourself accordingly.

Kevin Miller.

Related Stories:
Student Loan Issues are increasing the problem of Unemployment in the system. Although many people are unable to pay back there loans after Secondary Schooling. There are those, especially from the previous generation, who are able to pay the loans back and refuse to.  Both issues of unpaid student loan will definatly crush the education system. Look at Calgary's own Mount Royal University. Once was growing along with the growth of Calgary, went from College Level Campus to University few years back promoting and allowing immigrants to come to Calgary for study's. Now, the previous Government slashed the Arts and Health Programmes stating there was not enough funding to keep either going. 

SMALL BUSINESS CANADIAN TAX

SMALL BUSINESS TAX

Small Canadian Companies need to stop complaining about taxes since our dear American friends south of the border pay well more than the 15% that small business's here in Calgary Canada and in Canada in general pay.  What is the point of a small business owner in Calgary complaining about the amount of taxes paid up front?  Much of it will come back at the end of the year via waste taxes, unused/unsold taxes, damaged products' taxes, so on and so fourth. To claim Alberta's very first Democratic Society will bankrupt small business in Calgary and in Alberta is an over statement. If companies encourage, and many companies and managers do in a extremely rude manner, than the owners and managers should do no less than what they promote to their employees.  But hey, I guess that's what happens when a Province I live in such as Alberta, takes the worlds Oil, Labor, and the Graces of the work force for granted for way too long.

The New Democrats have already come up with tax breaks included in their plans for the small business' Ventures before taking power, where as the Conservatives and Librals have not.included some form of small business tax breaks. To say that the progression to $15/hr as minimum wage will bankrupt society is a complete lie alongside a bogus imaginary idea from someone who has no clue what it is like to work as an employee who is being undermined by the work force.

If these small business owners and managers have no clue or any interest in money management that will help the company survive, than there is risk for them in the future and a problem with them.  And not the Governments decision to up the minimum wage in Alberta. If I was an owner, which is now considered out of the question since I have had been jeopardized by the power and control politics of companies that I am unable to start company that does not screw its employees around.

In the future, I hope the younger generation does not take advantage of this minimum wage increase as their are people who are in sever need of $15/hr.  My sustainable future is at risk because this is one of the issues that was not dealt with sooner. I am hopeful that companies are not going to use this wage increase as an excuse to avoid hiring new people and disadvantaged individuals.  Which currently is still evident as many are scared of some imaginary overspending that might occur. Well, we will see who is right and who is wrong about the future of small businesses.

Kevin Miller

DISADVANTAGED FIRST WORLD CHILDREN AND FAMILIES AT RISK TO SUPPORT THIRD WORLD DEVELOPMET.

WORLD BANKER CONFESSION ABOUT THE FUTURE OF NORTH AMERICA. 

I LOVE THE IDEA OF AFRICA BECOMING SUSTAINABLE. HOWEVER MY RIGHTS ARE BEING VIOLATED INTO POVERTY WHICH DEFEATS POVERTY ALLEVIATION.

WELL, THIS GENTLEMAN HAS GOTTEN ON BOARD WITH DONALD TRUMP AND ROBERT T KIYOSAKI ABOUT THE FINANCIAL STABILITY OF NORTH AMERICA'S FUTURE.  AND I AM STARTING TO SEE THAT SHIFT AND I CAN TELL YOU IT IS HURTING ME MORE THAN MY FAMILY.  FROM RETAIL MANAGERS AND ADMINISTRATION BEING DENIED BONUS'S, TO COMPANIES SUCH AS TARGET UBRUPTLY CLOSING WITHOUT WARNING, TO FAMILIES NOT PAYING CHILD SUPPORT, PEOPLE NOT FILING TAXES, ALL THE WAY TO FUTURE PENSION OFFERINGS BEING ABANDONED FOR MULTIPLE REASONS OTHER THAN SOMEONES POVERTY REDUCTION ACTIVIST ISSUES. 

HERE IS MY PERSONAL STORY FROM WHAT I HAVE BEEN THROUGH. I HAVE BEEN THE SUBJECT TO POLITICAL BASHING ON ALL LEVELS - BETWEEN MY MOM  AND DAD WHEN THEY DIVORCED, REVERSED SEXIST FEMALE MANAGERS FIRING MEN SHORT OF THE CURRENT THREE MONTH PROBATION BECAUSE OF GENDER ENTITLEMENT, MANAGERS DELAYING MY PAYMENT, BEING DENIED ACCESS TO PROPER SOCIAL ASSISTANCE FOR MY MENTAL DISABILITY BECAUSE OF A FAMILY PHYSICIAN DEFACING MY CHARACTER ADDRESSING ME AS LAZY, IF CHILD SUPPORT WAS PAID IT NEVER MADE IT TO ITS INTENDED TARGET, CREDIT CARDS/FORCED JOB JUMPING/LACK OF SUSTAINABLE WORK AND HOUSING/AND UTILITY BILLS SCREWING UP MY CREDIT HISTORY AND YES MY CREDIT HISTORY AFFECTS MY ABILITY TO BOTH GAIN WORK AND A HOUSE AS COMPANIES AND LANDLORDS HAVE THE RIGHT TO PEEK AT YOUR CREDIT RATING,- MANAGERS IN EITHER FRANCHISED COMPANIES OR CORPORATE COMPANIES BEING CONNECTED TO EACH-OTHER TO SPEAK ABOUT A PERSONS DEMEANOR, NOT BEING ALLOWED TO HAVE AN EDUCATION DUE TO FAMILY MEMBERS MAKING WAY TOO MUCH AND NOT PROVIDING ENOUGH FOR THE STUDENT TO EAT HEALTHIER, TO BEING UNABLE TO WORK WITH A COMPANY THAT CAN ACCOMMODATE FOR A PERSONS HEALTH.

FAMILY LIFE HAS A HUGE IMPACT ON PERSONS FINANCIAL SITUATION. IM WITH JUDGE JUDY ON THIS ONE ESPECIALLY WHEN DEALING WITH DISABILITIES SINCE COMPANIES ARE STILL IN THE STONE AGE ABOUT HIRING AND RETAINING INDIVIDUALS WITH THIS ISSUE. WHEN PARENTS DIVORCE, MUCH OF THE INCOME SAVED OR LEFT OVER THAT BOTH PARENTS HAVE WILL GO STRAIGHT TO THE COURT AND WILL NEVER BE SEEN BY THE CHILDREN. WHATS THE PROBLEM WITH THAT?  WELL, ENTITLEMENT ISSUES. THE WEAKEST PERSON, THAT BEING SOMEONE SUCH AS MYSELF, ALWAYS LOSES FOR MORE THAN ONE REASON.  BEING THE YOUNGEST OF TWO, I KNOW FOR A FACT THAT THE OLDEST SIBLINGS WILL DEFACE THE YOUNGER SIBLING BY STEALING, SUCH AS MY BROTHER DID WHEN HE TOOK MY SAVINGS BOND AND FORGED MY SIGNATURE TO SPEND ON HIS FRIENDS, OUR MOTHER HAD SIGNED OFF ON A CAR FOR HIM WHICH HE EVENTUALLY GOT RID OF SINCE HE COULDN'T MAKE PAYMENTS - ONCE THIS HAPPENS A PARENT SIMPLY HAS PROBLEMS CO SIGNING FOR OTHER CHILDREN IN THE FAMILY, SHOULD ALL MEMBERS STILL LIVE TOGETHER CHANCES OF BEING ABLE TO LEAVE HOME FOR SCHOOL IS AFFECTED.  A STUDENT LOAN TAKES INTO ACCOUNT THE OVERALL INCOME OF ALL FAMILY MEMBERS IN THE HOUSEHOLD.  SINCE THERE WAS THREE OF US, MOM AND BROTHER MAKING MORE THAN $25 000 ON AVERAGE BETWEEN THE TWO AND ME WORKING LESS THAN $5 000 A YEAR. THE CHANCES OF RECIEVING A LOAN HAD DIMINISHED UNTIL MY MOM AND I LEFT FOR ANOTHER HOME ALLOWING ME TO GET THAT LOAN. ALSO, MY BROTHER HAD CAUSED AN ACCIDENT WHILE UNDER THE SECONDARY DRIVER LAW.  ONCE THE DRIVER IN TRAINING GETS INTO AN ACCIDENT, COSTS OF INSURANCE GOES UP TO THE POINT WHEN A SINGLE PARENT CANNOT AFFORD TO PAY FOR INSURANCE ON A YOUNGER SIBLING. BEING ROOM MATES IS ONE OF THE WORSE THINGS THAT CAN HAPPEN SINCE THE WEAKEST PERSON IS AT RISK OF FUTURE HOUSING. BEING LATE FOR RENT UNDER THE OLDER SIBLINGS NAME CAN BE COSTLY FOR THE YOUNGER, HERE IS WHY. ADDICTIONS IS AN ISSUE WHICH FAMILY, FRIENDS, COWORKERS, AND GOVERNMENT TENDS TO IGNORE THE VICTIM AND PAYS ATTENTION TO THE ADDICT. THE VICTIM SIMPLY CANNOT MOVE OUT DUE TO FINANCIAL CONSTRAINTS, LANDLORDS ASKING FOR REFERENCES THE TARGET DOES NOT HAVE AND HUGE DAMAGE DEPOSITS THE VICTIM SIMPLY CANNOT AFFORD ESPECIALLY WITH A LOW INCOME WORKER WITH A DISABILITY. IN THE LANDLORDS EYES, THE DISABLED LOW INCOME WORKER SIMPLY IS LAZY AND CANT KEEP A STRAIGHT JOB WITHOUT DOING ADEQUATE RESEARCH.  NOW THE ADDICT CAN CORNER THE WEAKER BY TAKING THE RENT AND SPENDING IT ON WHATEVER THE ADDICT NEEDS BEFORE RENT IS BOTHERED WITH. THAN CAN SAY TO THE LANDLORD THAT IT WAS THE FAULT OF THE YOUNGER THAT RENT WAS NOT PAID.

WE ALL KNOW EMPLOYERS CAN BE ABUSIVE AND FIRE PEOPLE WITHOUT REASON AND WITHOUT SAYING ANYTHING WITHIN THE THREE MONTH PROBATION. WHICH MANY PEOPLE STATE IS A SMALL BUMP IN THE ROAD. HOWEVER, WHEN IT DEALS WITH PERSONS UNSUSTAINABLE WORK HISTORY AND MENTAL HEALTH. THE PROBLEM IS BIGGER. SOME PEOPLE HAVE NOTICED I WORKED LONGER AT CERTAIN JOBS. ONE I WAS LET GO CAUSE OF THE RECESSION. NOW IDEOLOGIES AND HUMAN RIGHTS STANDARDS STILL CANT LET SOMEONE WITH MENTAL HEALTH ISSUES GO EVEN DURING A RECESSION. BUT IT HAPPENED. I WORKED FOR A YEAR AND A HALF, MADE IT PAST THE 3RD LAYOFF. WHAT I DIDN'T KNOW WAS MY RIGHT TO SAY THEY ARE NOT ALLOWED TO LET ME GO SINCE I HAVE A MENTAL HEALTH ISSUE THEY ARE AWARE OF EVEN IF THE RECESSION IS GOING ON. MANAGERS INTENTIONALLY SHORTING THE CASHIERS TILL SO THE MANAGER CAN FIRE THAT PERSON. YES IT HAPPENS AND LARGELY GOES UNNOTICED. A MANAGER CAN COUNT A TILL WITHOUT THE CASHIER BEING PRESENT WHICH IS AGAINST HUMAN RIGHTS. AS IF IT IS SHORT THAN THE MANAGER CAN BLAME THE CASHIER FOR STEALING.

CREDIT CARDS/ LOANS/UTILITY BILLS/RENT ALL ARE EXTREMELY BIZARRE AND HAVE NO REASON WHY THEY ARE SO INTERTWINED WITH ONE ANOTHER. LATE PAYMENTS ON ANY AND ALL OF THESE AFFECT A PERSONS PERSONAL CREDIT RATING ALONG SIDE JOB LOSS. IF YOU CANT MAKE PAYMENTS ON ANY CREDIT OR LOANS CAUSE OF AN ADDICT ROOM MATE OR A GROUP OF COMPANIES INTENTIONALLY SETTING YOU UP FOR FAILURE BY STEALING FROM YOUR TILL BECAUSE THEY DON'T WANT A DISABLED PERSON WITH THE COMPANY WILL HURT THE PERSON. NOT ONLY DO BANKS VIEW YOU AS A RISK WHEN YOU ARE A HIGH-RISK PERSON WHO CANT SEEM TO MANAGE MONEY, SO DO COMPANIES, AND LANDLORDS. THEY ALL CAN CHECK UP ON YOUR CREDIT RATING TO SEE HOW MUCH THEY CAN TRUST YOU. NEVERMIND IF THE ADDICT HAS NOT PAID THE BILLS WITH THE RENT MONEY THE ROOMMATE GAVE THEM. IT MATTERS WHO IS IN CONTROL OF THAT PERSONS WORK LIFE AND DOMESTIC LIFE. AND IF THE WEAKEST PERSON HAS TO PAY MORE THAN THEIR FARE SHARE, EVERYONE ON THE PLANET IS GOING TO NOTICE AND VIEW THE PERSON AS SKETCHY AND UNTRUSTING.

THIS BANKERS STORY IS A GREAT EXAMPLE OF FAMILIES NEED TO NOT ONLY CONSIDER THEIR OWN FINANCIAL AND DOMESTIC ISSUES TOWARD FAMILY MEMBERS. BUT PARENTS NEED TO CONSIDER IMPACTS OF THEIR BEHAVIORS WILL HAVE ON THEIR CHILDREN. MANY DISADVANTAGED PEOPLE IN NORTH AMERICA WILL NEED THE HELP OF THE COMMUNITY AROUND THEM WHICH WILL BE EXTREMELY DIFFICULT SINCE SOCIAL BENEFITS GROUPS ARE FOCUSED ON POVERTY ALLEVIATION IN COUNTRIES SUCH AS AFRICA THAT PEOPLE FAIL TO CONSIDER THE DISADVANTAGED IN THEIR OWN COMMUNITIES. AFRICA, I AM GLAD IS GAINING SUSTAINABILITY, HOWEVER IT IS AT THE SEVER COST OF DISADVANTAGED FIRST WORLD CHILDREN, CHILDREN OF SINGLE PARENTS, ETC....

Community of Financial Needs.

Community of Financial Needs

Saving money takes proper life sustaining Income and sustainable income needs a community of people willing to find adequate help. For many gaining and holding a job is extremely difficult to begin with let alone save money with consequences. Having a permanent disability, being a single parent, low income, all get in the way of affordability.  Needing someone to help aid you to lifelong sustainability before you start saving should be the first step. If you simply cannot get the proper trust between people, than considering saving money all together not relevant to your life.  

Having a strong supportive community of people around those in need is what the gains the confidence of that person to continue looking for work.  Many of us need the extra patients as it takes more time to see actual changes in the life of a person struggling. Now I'm not saying go out to feed and shelter the first person you see.  That is definitely dangerous for the millions of reasons that one can think of. However, giving someone the time of day to listen to their needs and finding them appropriate help is what is I am after. Some people need to get out of a abusive domestic lifestyle, need help with transportation to and from work to sustain a adequate work life cycle. It takes time for people to gain proper life sustainability, to come in and help the person or persons on a monetary idea does not improve society.

It's the time it takes in building of trust between people that is the hardest part in the life of the one who men violated by more than just one person. Once it is destroyed, the perpetrator gains the control  of one person.  The victim or target who is on the receiving end will have nearly 2 - 4 times the problems during the recovery.  From dealing with employment, shelter, food, new friends, and finances, to dealing with on going court appearances, finding child care, So on and so forth. 

As much I simply don't like making an example of other people's issues, however, the reality is people getting out of an abusive relationship, such as this story, need help to support themselves before helping siblings get out of the same household.  Simply giving money received to spend it on other people with other intentions does not help the person as the persons image decreases in the eyes of the people reducing chances of receiving future finances from organizations or people who believe in aiding the community sustain a better lifestyle.   

Personal Financial issues in lieu of a stigma, a person or group of people traveling, a group of people starting a company or an organization, someone in real medical needs, troubled childhood,  ETC... Is something people in the financial world seem to take for granted. Stating saving three months of emergency funds is overlooking smaller details of life that affect people greatly. 

My belief the stronger the community, the greater the chances of reducing the affects of a recession or even avoid it. Someone once stated what affects one person affects us all.  

Kevin Miller

Financial Planning for you and your family

Financial Savings Planning for Your Family and not You. 

Saving to become a Millionaire less than $20 a day?

Saving money can be tough and hard, which is to say that saving money takes more people than one thinks. The more members in the family the less likely the bread winners' income will be able to feed clothe and shelter the entire family with the same pay if the pay was working for the family at two adults and a child. I.E Raises are tough to come by therefore the more children in the family harder saving money can be.  Even more so with a child with mental health issues. Which is to say that getting job which the employer will contribute a portion to the family savings at the end of the year is best.  And those jobs are becoming more and more obsolete.  Which means that the younger generations will need more support from the parents than did the previous generations the past 100 years.

Emergencies such as: Calgary Flood which has costed millions of dollars on the initial damage plus more since people need refunding to even rebuild homes:
Possible Cost of Divorce can certainly take the burden off you and your children, before, during, and after the legal proceedings.  Lets face it, both parents want to have a job, leaving the possibility of needing to pay people for their time to watch over the children. Sometimes this leads to stress and stress can and have lead to divorce.  Not only would you need to set money aside for the legal aspect and rent for both parties during the separation, but money is needed for the children s survival.  
An early Death n the family - We all know we are going to die someday but no one even considers when death comes. Funeral costs are greater than any dual income house holds income.  Some people may be able to afford it. However, not everyone can afford it since many less fortunate people have the resources to back up the costs.
And necessities such as Medical Costs, Food, Shelter are one the most hardest to come by since life since these expenditures often invade one another.  This making two people a necessary feature to cut down and save money. Children who need Medical attention are going to have less time for work to attend their health at the clinic, this in itself is an issue that causes huge problems than a flood as the person will never catch up due to constant job losses and missed rent to work on the health with very little help from society. I would love to meet the person who was able to sustain work, finances, shelter and medication all on their own.  The reality that one person can manage all of these at the same time just doesn't work. Ever!! Saving more for a needy child's future is something never to be taken for granted.  

Sincerely

Kevin Miller

Real Life Sources on REDDIT

Poor Kid on Reddit
Think about how you would sheltor yourself if you were to become Homeless Overnight
Hopefully She Retains Her Position After Maternity Leave Funding is Finished

Poor Financial Literacy or Disconnected from Reality?

Poor Financial Literacy or Disconnected from Reality?

One thing that bothers me about those promoting the idea of saving money is they are not even living in reality. Or just looking for more money. It costs money for simple things like saving money to begin with, even in your savings account.

Went to a JP Morgan last year while working for 7-11 since I have always wanted to buy and own stocks and boy was I appalled what I was told up front by the advisory. He told me that I needed $10 k minimum to start. Not including the 10% service charge for his services. Stock owners play stocks with $100 K like a gambler plays the craps with $100. Well than, how in the hell would I come up with such an amount? Apparently his ideas that I ask family and friends for money and asked if I had any inheritances.  Ugh!?! was my response as I was stunned to high heaven. Friends I have none never-mind friends I can trust. And family, I'm already on thin ice with my immediate family, how in the world am I supposed to walk in and ask for anything more than $10? A father who does not even do his taxes and doesn't pay rent let alone even pay child support, a brother who has a history of unpaid bills and unpaid rent, and a mother who tells me to earn my keep. How does he think Im going even get money from anyone. I can't even get proper help with legal aspects from anyone in my family unless I let them deface my character. And inheritance? Any inheritances if any would be instigated by legal issues to the point anything less would be lesser than what it was actually worth if and assigned to me upon death. Take a peek at Kurdt Cobain and Amy Whinehouse, two people who's parents used them to the point they were basically living on the the streets without proper support from society. Don't give me the "Inheritance act" please and thank you. We know Kings and Queens have a history of killing each-other over land.  What makes him think people financially less off are living in anymore of a harmonious lifestyle?

When seeking people to help build your company and/or personal net-worth, mind the people you are dealing with, control freaks on all financial levels. The best celebrity stories of bad decision making that costed dearly are: The Kurdt Cobain and Nirvana story. The effects Kurt's and Courtney's parents not only had an effect on them and their personal life and decision making, But also Kurts suicide has an effect on their daughter due to the legal battles, What state Kurt leaves behind is likely to get sucked up by the courts over time: Martha Stewart is a great story of insider trading is screws the up the economy, an employer who goes public only to invest in the stock either has no idea of what the implications are or is seeking to bilk investors of money into either personal bankruptcies or a national recession: The Gucci Family, a family company that went from fame and fortune to a company of financial ruin, now their products can found at a Thrift Store or a Pawn Shop. All because of Power and Control of a few small minded short-sided individuals: And the Hot - Headed John Gotti, the last Don of the Mafia who was as sloppy as the families he was accusing of being stupid, selfish, and out of touch with organized crime.

Well, at least these stories make for great Hollywood Entertainment though, the only country on the planet capitalizing on these issues. Being able to know who your competitors are and know how they
behave is one thing, but knowing the individuals you are affiliated with and how they behave are just as important as you may end up getting killed due to someone you deal with.
Kevin Miller