 鲜花( 60)  鸡蛋( 2)
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俺也报了10年的税,但不是专家。# E7 ~- ^1 m: p- k
买11000肯定没有问题,但不能再多了。
' ^8 l) T( d6 }; k0 zRRSP的计算是用上一年的数据来决定今年的额度。 换种说法,就是2013数据,譬如收入和Pension Adjustment,是用于决定2014年额度的,今年不用考虑也不能考虑。大家可以回想一下,第一次报税的时候,你是没有额度的,只有收到第一次的NOA,你才看到下次的额度。
+ j! X- I5 I/ O! \6 X8 m& M所以,下面的几种情形(以去年为例)我认为是对的:6 N, A3 q1 V$ r3 ?) ?" [! ^
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情形一:
3 C5 y! ~- s5 f" ~4 y7 G7 {RSP deduction limit for 2012 $01 C1 W8 h* C o8 R: Y4 x$ W3 V3 z
Minus: Allowable RRSP contributions deducted for 2012 $00 c" k) Q! [: \- [, m
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& g0 Z4 P. r7 S& m% h: F+ eUnused RRSP deduction limit at the end of 2012 $0
5 Q7 e+ j e2 g% j* `. @" UPlus: 18% of 2012 earned income of $5,000
$ c) F5 @% r! O# a Minus: 2012 pension adjustment $4,000 $1,000
* F# n, B6 U5 t/ I-------------------------------------------------------------------------------------------------------) ]' b8 w. |9 o A" D: H$ J
$1,000; i7 [% S0 n0 f% e, d! b
Minus: 2013 net past service pension adjustment $0
# ^1 _( b; I ?Plus: 2013 pension adjustment reversal $0
* V/ z. Q4 F7 [5 \) pYour RRSP deduction limit for 2013 $1,000
; Y3 ]5 G: @3 J+ }' u% w
2 q& |6 M: u. _0 F4 W# v! k% A情形二:
! z ?: h% ~) V4 B' @" q, NRSP deduction limit for 2012 $10000
& r/ `& }% _' C$ z% e# n! V5 G. @Minus: Allowable RRSP contributions deducted for 2012 $07 V- n" n D7 u
------------------------------------------------------------------------------------------------------
7 S' k, L0 z4 i) E3 ^: \Unused RRSP deduction limit at the end of 2012 $0
% C% O7 r( _! T& O8 y( D8 H) s: M5 @Plus: 18% of 2012 earned income of $5,000
3 S$ s8 x7 W: P* a( o9 M8 B Minus: 2012 pension adjustment $4,000 $1,000, }) M- m7 B8 H# e# g7 Y, v
-------------------------------------------------------------------------------------------------------0 G G/ n7 Q5 b; ]/ I; K& L/ v
$1,000# L/ a, w2 U# D5 p
Minus: 2013 net past service pension adjustment $0
9 {# ] t9 H$ A) iPlus: 2013 pension adjustment reversal $0
- s# {, A4 |7 ]Your RRSP deduction limit for 2013 $11,000
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8 }* q: C" ]7 C' |情形三:
* ~) ?5 P% a' \% NRSP deduction limit for 2012 $10000$ @5 ^6 X5 x" m# z3 \+ o# y9 A
Minus: Allowable RRSP contributions deducted for 2012 $10000
7 U8 Y* @# } W. g8 d" H2 C. M1 r3 o" _------------------------------------------------------------------------------------------------------
1 t: ^! G4 K- @5 o, QUnused RRSP deduction limit at the end of 2012 $08 ?0 p s! ^3 m" g) c; [: Z0 V
Plus: 18% of 2012 earned income of $5,000# S9 m8 x! R N \
Minus: 2012 pension adjustment $4,000 $1,000
9 ]$ x( q0 m5 r6 o4 a9 O-------------------------------------------------------------------------------------------------------
. a& J8 c. `5 A $1,000
9 Z" z I) A3 aMinus: 2013 net past service pension adjustment $0
; f* ^% j% O% B' Y# o. N8 \Plus: 2013 pension adjustment reversal $07 h. v6 H4 R. E0 h
Your RRSP deduction limit for 2013 $1,000 |
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