宝塔有时候很烦，用他们的后台安装，不一定能安装的上，所以我就无奈的摸索出这个方式来进行更新了。
手动安装Mysql
cd /www/server/panel/install/
rm -rf mysql.sh
wget https://download.bt.cn/install/0/mysql.sh
bash mysql.sh install mariadb_10.1
Nginx手动安装
cd /www/server/panel/install/
rm -rf nginx.sh
wget https://download.bt.cn/install/0/nginx.sh
bash nginx.sh install nginx123
PHP手动安装
cd /www/server/panel/install/
rm -rf php.sh
wget https://download.bt.cn/install/0/php.sh
bash php.sh install 7.4
NRI是NON-RESIDENT IMPORTER的缩写，翻译成中文就是非加拿大注册的进口公司。可以理解为那些加拿大以外国家和地区的公司，然后用他们公司的名义在加拿大申报进口清关，并缴纳关税和GST税给加拿大边境服务局(Canada Border Services Agency)（简称CBSA)。NRI其实是加拿大的进口商税号 一般用于清关交税，类似于美国的EIN NO, TAX ID,SSN NO,欧洲的 EORI NO,
既然要用NRI模式清关，就要申请一个Import/Export Account号码来进行进口清关和缴税。这个号码一般是由前面9位数字+中间2位字母+后面4位数字组成。一旦申请好这个Import/Export Account，那么就可以用来进行进口清关操作了。一般这个号码可以直接打电话和CRA申请，前提是你已经有商业号了。
如果你要注册NRI的BN号码，则需要找一个代理进行注册，费用在150USD左右。一旦申请成功，以后就可以用这个清关，不需要再额外申请。需要提供的文件如下
1 国外公司的注册证书或者营业执照
2 签署POA给注册代理
3 NRI的注册表格
加拿大的进口产品一般会有2个税收，一个是关税（DUTY)，一个是GST。申请清关的时候，还需要Tariff号码.
DUTY和Tariff号码查询网站：
https://www.cbsa-asfc.gc.ca/trade-commerce/tariff-tarif/menu-eng.html
缴纳完关税以后，还要缴纳GST 5%.GST起征基础是（货值+关税）
此外，
还有部分可以适用于根据，专门的关税协议确定的税率，
包括：
1.普遍优惠税率（GPT）；
2.最大发达国家税率 （LDCT）；
3.泛加勒比国家税率（CCCT）；
4.澳大利亚税率 （AUT）；
5.新西兰税率（NZT）。
五，申请清关
申请清关的时候，你还需要下列文件：
参考信息：Guide to importing commercial goods into Canada: 5. Getting your goods released (cbsa-asfc.gc.ca)
ZIEN Optometry|丽晶，这是一次记录自己配眼镜的经历。并不代表每一个人都会遇到，但是我只是想分享下我自己，在 Zine Optometry 丽景店的配眼镜的经历。至于 Zine Optometry 怎么样，还是你自己做判断吧。
ZIEN Optometry|丽晶店，位置挺好的，我也常去丽晶买东西。现在带的眼镜也用了5-6年了。所以也是时候换了。因为常常看到，而且他们的价格从88，到188，其次288，感觉可以根据自己的档次进行选择。也很放心。
首先先来说一下，我自己在 Zine Optometry的验光。
下面，我来说一下 Zine Optometry的眼镜价格
While going in to business has many exciting and interesting aspects, one of the most commonly disliked aspects is the bookkeeping.
The latest wave of Internet-based tools springing onto the market, are designed to make even the most mundane of bookkeeping functions as simple as possible.
The goal of such service providers is to make tracking of business financials as simple as possible for entrepreneurs, including making bookkeeping records accessible on tablets and smart phones, all for a small cost, or in some cases even free.
One such company has a unique way of helping small businesses to manage their bookkeeping. They send out a return envelope to their clients, who fill it with their receipts and send them back for categorizing and digitizing.
With the advent of cloud-based bookkeeping services there has been a steadily growing move away from more traditional boxed software, and according to The International Data Corp’s research this is likely to continue, with an estimated $4.5 trillion to be spent on cloud-based technologies between 2014 and 2020.
Small businesses with less than ten employees have become a primary focus of many bookkeeping software providers, as so many of them have become frustrated with their current bookkeeping methods. Entrepreneurs should be able to focus their energies on their business and let the likes of Wave take care of the accounting.
While the boxed bookkeeping software is designed to meet the needs of medium-sized and larger companies, those running smaller operations often find themselves out of their depth when trying to cope with the financial side of the operation.
Easy to set up, many of these bookkeeping services can be signed up for via the Internet. Some offer a 30-day free trial to new customers and then charge a monthly fee going forward, and others are able to provide their services free of charge due to the inclusion of advertising.
Many of these services were begun by entrepreneurs who saw a need to provide bookkeeping services for small business startups, and noted that these smaller operations tended to favor tablets and smart phones over computers.
These companies are serious about addressing and providing solutions to the needs of small businesses and part of this is to simplify bookkeeping processes. Their bookkeeping tools are real and include double-entry systems.
These newer bookkeeping service providers use simple approaches to bookkeeping, and are able to provide an effective, straightforward method of gathering and organizing data so that both accountants and tax professionals can make quick and easy use of it, thereby saving the small business owner both time and money.
Bookkeeping is made as painless as it can be, and by recording each receipt as it comes in, it alleviates the somewhat inevitable scrambling to remember when tax time comes around.
While security is one of the issues that are of concern to anyone considering cloud-based bookkeeping services, most companies store all information on secure servers in much the same way as banks do.
In addition to not having to spend time and worry trying to make sense of bookkeeping, using such a service gives small business owners the ability to be up-to-date records of how their business is doing at any given time.
The cost of doing business is rising as the price of energy, raw materials and labor shoots up. Businesses are finding it hard to cope with the harsh economic times and still make a profit. You, on the other hand, should find a way through this harsh economic environment. You can start by cutting down on unnecessary labor costs. This will mitigate your rising expenses and help you meet other needs in your business. Reduce the number of laborers you require for your bookkeeping functions. You can replace these laborers with bookkeeping software such as MYOB Live, XERO or QuickBooks Online. Business software is suitable for bookkeeping because this accounting process is an iterative process that computers can manage as compared to other business functions such as marketing, which require creativity and human input.
– Work Force Benefits
Businesses operate under a regime of tight financial control and limited resources. Labor is a limited resources that you could easily tap into by introducing business software to perform tedious tasks. For example, bookkeeping software would allow employees to complete reports quickly and easily. Your employees would have more time to develop and implement strategies on how to improve business processes at the office. Having this kind of time is impossible if they have to prepare reconciliation documents and other bookkeeping materials manually. Using bookkeeping software also means that your employees would exhibit more energy because they would use less effort to draft the same financial reports. This increased level of energy is good for your business because your employees will perform their tasks with zeal and energy.
– Accuracy and Savings
As mentioned earlier, this kind of software allows you to make substantial savings on labor expenses because it reduces the need for bookkeeping employees in your office. Its accuracy can also lead to more savings because business software does not make mistakes unlike human beings though it may malfunction from time to time. Mistakes in financial recording and transactions can translate to heavy losses in a business. At times, employees can even defraud a business if the business performs manual bookkeeping. Investing in bookkeeping software can help you prevent bookkeeping mistakes and reduce the chances of fraud in your company. This software will also ensure that your records are confidential and accurate. In addition, using less paper in your bookkeeping processes allows you to save on the cost of buying paper.
– Bookkeeping Software and Outsourcing Services
Business software can only do so much for you and your business. Occasionally, you need a human touch when errors start surfacing in your financial reports. Bookkeeping professionals can look at these errors and fix the software so that you can get back to business. As you can see, outsourcing bookkeeping professionals allow you to keep working without having to recruit bookkeeping employees. Therefore, outsourcing would save you a lot of money, time and effort. In other words, your resources capabilities will remain intact, your business processes would be more efficient and your software would be secure as well as practical. Take advantage of business outsourcing and bookkeeping software today.
The way we do business changes with corresponding changes in technology. Your company should not miss any of these changes. Unfortunately, many businesses lag behind when it comes to these technical innovations because they focus too much on their current processes without considering new initiatives in the way they do business. You, on the other hand, should not make the same mistake. A proposed bookkeeping portal is at the beta testing phase and soon, it will be available for use by anyone who shows interest in it. This bookkeeping portal comes with many benefits for your business. Here are some of these benefits.
– Efficiency and Versatility
Bookkeeping is intense. It takes a lot of time and effort especially when you have to confer with clients on certain transaction details. Bookkeeping becomes more difficult when clients are far away i.e. in another part of the country or in another country altogether. You can now confer with your clients through this portal, which means that geographical barriers no longer exist in bookkeeping when you use this portal. Maintain your clients’ books on it and then use it to communicate with your clients when necessary. It will make your bookkeeping work easier and more enjoyable.
– Improves Accountability
Nothing is as important as accountability in bookkeeping because dealing with financial records is a test of integrity and professionalism. People handling books for a certain firm or within the organization they work for should account for every action they take. This portal improves accountability by making bookkeeping processes easy to follow and understand. It also makes these processes more transparent as they become open to scrutiny by a number of authorized supervisors or company representatives. In addition, the portal has a warning system that can cite anomalies in bookkeeping entries reducing the rate of errors in bookkeeping records especially when it comes to entries made at the end of the financial year.
– The Next Phase in Bookkeeping
As mentioned earlier, the way we do business keeps changing and we should change with it. This new portal offers additional benefits to the existing software in bookkeeping. Your company should not lag behind when the rest of the world is taking advantage of this new technology. Your business should move to this new platform when the costs of doing so are low. Remember, participation in the trial phase if free. This means that you can test it out, examine its benefits and point out its weaknesses at no cost. Adapt this new form of technology today so that your business can easily integrate its books into this bookkeeping software sooner rather than later.
As you can see, this bookkeeping portal will revolutionize bookkeeping processes around the world. For example, more than 14,000 bookkeepers in Canada use an outsourced maintenance mechanism for their clients’ books. These bookkeepers can now use this new portal as for maintaining these books. Interested applicants should apply for a chance to be in the beta testing phase of this portal. The portal, formally referred to as the Canadian Accountant & Bookkeeping Portal, is a good step in the right direction for bookkeeping in Canada. Be part of this momentous step. Submit your application today so that your business can be part of this momentous step forward.
https://forums.redflagdeals.com/diy-provincial-federal-business-incorporation-1-2-3-save-your-money-1769225/
I've done this a number of times, most recently for a new Ontario
company I just incorporated. I thought I'd share how easy peasy it is.
You don't need lawyers or online filing services etc. Save your money.
You can do either Provincial or Federal Incorporation. You should google
'provincial vs federal incorporation' to decide which is best for you.
Provincial Incorporation - Ontario:
1. Ordered an Ontario Nuans name search report at http://www.corporationcentre.ca/docen/pns/home.asp
for $25+HST. Was delivered to my email within 1/2 hr. Printed 2 copies.
Note that if you just want a numbered company you do not need this
report and you will just be assigned the next number they are handing
out. Many use this (as I have) for holding companies that just hold
investment assets rather than are active companies operating businesses
doing trade.
2. Printed and filled out 2 copies of the Ontario Incorporation Form 1 from http://www.forms.ssb.gov.on.ca/mbs/ssb/ ... 07116E.pdf. Entered myself as sole director & incorporator, 'no restrictions' on share xfer, 'unlimited common shares' and 'none' for all the other questions.
3. Cycled down to the 375 University Ave. 2nd Floor and
submitted my duplicate forms & NUANS and $360 by credit card. They
hand you one stamped copy back along with an 'Initial Return by an Ontario Corporation, Form 1'
which is a simple form that you need to fill out with basically the
same info you just submitted and mail or drop off within 60 days to 393
(not 375!) University Ave, Suite 200. I'll cycle down to drop it off and
save the stamp in true RFD spirit and get some exercise while I'm at
it.
Total Cost = $360 (Gov't filing fee) + $28.25 (NUANS name search) + $1.13 (binder) = $389.38 and transportation was free. No Annual reporting requirement fee.
If you want to get fancy (but you don't need to) on the share structure,
restrictions on xfer, etc then just google or change it later by
resolution.
Seals are no longer legally required so I don't order them, nor is an
'official' fancy looking minute book. I just use a $1 dollar store
binder and ordinary paper. Nor do you need a lawyer or paralegal to do
the minute book. Samples of minutes can be found online which you can
modify to suit your company. Next you just issue the shares to whomever
and fund the company either via loan or share purchase or just use your
own money or credit card and get reimbursed via petty cash report to the
company. Then go open a business bank account and google to see who's
the cheapest and meets your needs. Save money and don't get a company
credit card but just use your personal one and let the company reimburse
you (too much business use might result in the CC company requiring you
to use a business CC, but unless you are buying huge amounts of
inventory on it or other huge obviously business related charges you
will have no problem).
The whole process took 90 minutes (including going to Dollarama!).
Federal Incorporation - Canada:
Many aspects are similar to Ontario incorporation. However, this can all be done online.
1. Go to https://www.ic.gc.ca/app/scr/cc/Corpora ... rp-wz.html and just answer the questions.
2. Note that you only need a NUANS report if you want a named company
instead of a numbered company. If you just want a numbered company you
do not need this report and you will just be assigned the next number
they are handing out. Many use this (as I have) for holding companies
that just hold investment assets rather than are active companies
operating businesses doing trade. Note that if you order a NUANS report
for Ontario or Federal they must be used for that incorporation. You
cannot use an Ontario NUANS report for Federal incorporation and
vice-versa.
3. Enter your payment method and then wait for your incorporation documents to arrive via email.
Total Cost = $200 (Gov't filing fee) + $28.25 (NUANS name search) + $1.13 (binder) = $228.38 $20 Annual fee for Annual reporting requirement if done online.
Note: There is no requirement to report shares
issued/transferred/bought/sold or shareholder information to either
authority as erronously reported around the InterWebs. In fact there is
no requirement even to decide any of that at the time of incorporation
but you better do it shortly after incorporation if you have multiple
shareholders as everyone wants to know what they are getting. If it's
just you there is no rush but you have to have it done by the time you
prepare your first financial statement and certainly before you file
your first corporation tax return. You need not contribute anything to
the company and the share can just have a nominal value of $0.01.
Personally I just loan $ to my co and have it paid back. You can do that
with multiple shareholders too.
也许你正在寻找一个靠谱的会计师，特别是温哥华这里，你的选择很多。那么这里我来做一下我的推荐吧。排名不分前后。
1. May Chen：PhD, CPA, CGA
主攻个税，对于海外资产有自己的见解。
2.Richard Cui , CPA
rcui@ccwcpa.ca
3. Emily Sun, CPA, CGA
4.S&M Business Solutions
5. Lei
注明，本文并不构成任何实质建议，对任何的内容本人不负法律责任。
sources:https://www.bcjgroup.ca/news/how-to-tell-if-your-bookkeeper-knows-what-they-are-doing/
Your bookkeeper is an integral part of your team. You need to have confidence in their abilities and trust that they are doing their job correctly. The fact that you have hired a bookkeeper might indicate that it is an area of your business that you are not comfortable handling yourself. If that is so, how can you tell if your bookkeeper is doing a good job or if they know what they are doing?
Your bookkeeper should be helping you increase your margins by
providing you with appropriate strategic advice. It is also important
for them to be ensuring that your business is compliant with all
Canadian Revenue Agency (CRA) regulations.
To know if your bookkeeper is doing all they can do to help your
business succeed, here are some questions you should be aching yourself:
Are You Communicating in The Same Style?
Today, video meetings have become quite popular, especially since
the start of the pandemic. They allow for a much more personal means of
communication. Often, email and text messages fail to convey context,
which can result in confusion and misunderstanding. With video meetings,
more subtle visual cues come into play, which can play an important
role in communicating.
If you seek this kind of interaction, but
your bookkeeper only contacts you through the occasional email, you are
not communicating effectively, which can result in you not being fully
aware of what’s happening in your business. You and your bookkeeper
should agree on a method that works best to keep you in contact.
Are They Responsive?
Few things are worse than urgently needing information and advice
but having to wait an extended period for your bookkeeper to respond.
This can adversely affect your business, so why does it happen? There
are a couple of reasons.
Your bookkeeper may be disorganized. They may forget deadlines or
have a bad habit of procrastinating. In many cases, they don’t have
practice management software in place. Worse still, they may not
consider your business a priority if you are not one of their top
clients.
Are They Proactive With Their Advice?
As
part of your team, your bookkeeper should be proactive in identifying
potential issues and offering advice. This means asking questions and
being aware of what’s going on in your business. If they are not doing
this, they are not actively involved in helping you become more
successful. It might be time to look for someone new who will take a
more active interest.
Will They Show You The Books?
If your bookkeeper is hesitant to show you their work or let
anyone see the books, that should send up a red flag. It’s possible that
they are not managing the books correctly or worse, they could be
stealing from you.
With cloud accounting software, you should always have access to
all your information and should have the ability to log in and review
your files at any time. If you do not have access and your bookkeeper is
preventing you from gaining it, it’s time to replace them.
Are You Receiving Monthly Reports?
Your
bookkeeper should be providing you with monthly reports. Your income
statement (profit and loss) and balance sheet provide important
information that you need to make decisions regarding your company’s
financial health and growth. If you are not receiving these reports on
time each month, your bookkeeper is not prioritizing you the way they
should.
Have You Reviewed Their Qualifications?
Many
bookkeepers are unfortunately lacking in experience, sometimes even
lacking the most basic knowledge required to do their job. There is no
regulatory body for bookkeeping in Canada and there is no obligation to
take a bookkeeping course before taking on clients, though many will do
so for various reasons such as providing credentials to their clients.
Failing to check your bookkeeper’s qualifications can end up being a
costly mistake.
Have You Received a Notice from The CRA?
Perhaps
more than anything else on this list, this is a major indication that
something is wrong. By the time you receive a notice from the CRA, your
accounting is likely in trouble and you may be about to experience an
audit. If so, it is probably wise to have a tax lawyer or an accountant
ready to assist you. Having reliable professionals available to advise
you through this process will be invaluable.
Your bookkeeper
should be an active, engaged part of your team and Someone you can trust
and rely on to help your business grow. If they don’t meet the
standards mentioned above, or if you are dissatisfied in any way, it may
be time to look elsewhere for help.
创业从来都不是一件容易的事。您需要决定您的服务或产品供应、您的目标受众是什么——以及何时是发布的好时机。
根据 Vistaprint 的一项研究，62% 的美国人希望成为企业主。1但有多少人真正了解创业、经营和发展企业需要什么？现在是他们生命中开始一个正确的时间吗？
“并不是所有的想法都是独一无二的，而且它们也不是只给一个人的，”商业女性网络的创始人托尼科尔曼布朗在接受 The Balance 的电子邮件采访时说。“最终获胜的是采取行动的人。所以，一旦有了想法，就应该行动起来。”
企业家们列举了很多创业的原因，包括不喜欢他们目前的工作，需要一个有创意的出路，或者只是满足了对更多钱的渴望。无论您的动机是什么，建立企业的时机和理由都必须是有目的的。
以下是一些重要的步骤和考虑因素，以确定是否是让您的企业取得成果的合适时机。
每个伟大创意的核心是您打算为谁服务。您的目标受众包括需要或想要您的产品或服务的人，反过来，可以帮助您的业务取得成功。专注于初创公司的内容网站 Failory 最近发布的一项研究发现，90% 的初创公司都失败了。其中一个主要原因是该产品不适合所选市场。2
要确定您的业务是否有市场，进行研究至关重要。根据小型企业管理局 (SBA) 的说法，发现您的优势和独特的销售主张并最终确定您的目标市场的关键是：
当您发展您的商业理念时，请经常调查您的目标受众，以了解您如何解决他们的问题并满足他们的需求。找到目标受众的一种可行方法是通过专注的 Facebook 群组。
例如，Jazmine Thompson 在无法为女儿的头发找到保湿产品后，创立了她的纯素护发品牌 Winnie & Co.。
“在寻找适合我女儿的产品时，我意识到其他妈妈也有同样的问题，”汤普森在接受 The Balance 电话采访时说。为了为幼儿开发纯素美发产品，汤普森利用她在 Facebook 育儿小组中的成员身份与其他母亲交流并获得有关她们需求的反馈。这反过来又激励她将思想付诸行动并开始她的事业。
如果你有一个商业想法，但不确定它是否会奏效，最好的发现方法是试水。
2019 年，Dopely Lit 的所有者 Tonita White 有了一个推出家庭香水的想法，目标是向她所说的“城市”消费者推销大豆蜡烛。
“我只是不断地回到家庭香水系列的想法，”怀特在最近的一次电话采访中告诉 The Balance。“我需要一个有创意的出路，我希望它成为我喜爱和享受的东西。”
忙碌的双胞胎母亲决定从小处着手，通过创造两种香水来测试市场。怀特随后制定了供应预算并开设了快闪店。在尝试了她的商业理念并意识到人们喜欢她的产品后，这位企业家决定在 2020 年继续前进。她开发了一个网站和社交媒体来充实她的业务。此外，怀特扩大了她的产品线，包括节日香水和蜡烛融化。
如果您准备好开展一项业务，您将需要有时间投入到这件事上，需要精力来度过困难时期、财务资源以及支持您努力的网络。
虽然您可能急于开展业务，但时间是您需要考虑的关键因素，尤其是在您的家庭和职业生活方面。
例如，假设您是一位有小孩但没有很多托儿服务的全职妈妈。开展一项需要您全天为客户提供服务的业务可能不是一个现实的选择。或者，如果你的职业要求很高，那么开展同样要求很高的业务可能会让你很快筋疲力尽。
你仍然应该相信你的想法的价值。只需考虑如何以更合理的方式实现您的愿景。
如果您的日程安排因其他职责而受到限制，请制定一个可行、高效的日程安排来管理您的业务。这将帮助您感到有动力继续经营，同时有效地管理您的运营。
“耐心很重要，”商业战略教练兼 Kingdom Legacy Partnerships 创始人 Teresa Satchell 通过电话给 The Balance 说。“有生命的季节，也有商业的季节。由于生活或情况，您将不得不调整或提供更少的服务，但这并不意味着您停止。”
您打算如何为您的新业务提供资金？对于许多企业家来说，创业意味着为法律结构、运营成本、营销和供应制定预算。作为经营业务的一部分，您将产生经常性费用。
您经营业务所需的资金数额很大程度上取决于您正在建立的运营类型。例如，开始写博客的企业家将花费很少的费用。然而，启动需要店面或大量设备的业务的人将需要商业计划和良好的信用来资助他们的想法。
当您考虑现在是否是开展业务的合适时机时，请问自己以下重要的财务问题：
例如，通过LinkedIn和行业相关专业组织等社交渠道与他人建立联系的能力对于创业至关重要。
“在创业之前，请与商业顾问交谈，以帮助您做出明智的选择，”萨切尔说。“创业是一段旅程。在正确的合作伙伴关系中与人建立联系将推动您更上一层楼。你需要遇到合适的人并建立联系。”
一年中的时间也可能会影响您创业的能力。有些人可能会在年初开始创业，因为相信新的一年会有新的开始。与此同时，其他人可能认为，当市场适合接受他们的产品时，就应该建立业务。
例如，如果您是一名面包师，那么在夏季开始计划您的业务是有意义的。到秋季，您可以通过品尝活动推销您的业务产品，以便为假期做好准备。
无论您从事何种行业，开展业务的最佳方式是制定稳健的战略性业务计划，并在执行和维持该计划的能力方面切合实际。毕竟，经营企业需要奉献精神并了解您的目标受众、您所在行业的经济前景以及您自己的财务能力。
然而，一个强有力的商业计划，连同你的竞争和市场分析，可以强化你的愿景——并帮助你在任何时候将你的想法变成现实。
今年的报税截止日期是2022年4月30日，但由于4月30日是星期六，所以 CRA要求在2022年5月2日及之前收到申报。
如果你或配偶是自雇人士，则必须在2022年6月15日之前提交纳税申报表。如果未能按时完成付款，可能会导致福利中断甚至罚款。
小编也为大家总结了一些报税注意事项，以防遗漏。
1. 2022年申报的是2021年的全年净收入。
这不只是一项义务，更关系到各种福利，比如养老金、消费退税等问题。
2022年，联邦税率按照个人收入调整为了五个级别：
每年，大多数所得税和福利金额都与通货膨胀率挂钩。加拿大税务局在2021年11月宣布，用于2022年税率等级和金额的通货膨胀率将是2.4%。
年满18岁的加拿大居民都可以在免税储蓄账户（TFSA）中持有符合条件的投资产品，例如现金、股票、债券、互惠基金等。
工作收入、生意收入、投资收益，比如利息、股票分红、租金等其它收入。但需要注意的是，RRSP 和 TFSA账户里的收益，不算收入。所有这些收入加起来，就是总收入。
RRSP供款限额：2022年的 RRSP年度限额从之前的2021年27,830元的限额增加到 29,210元。您仍然可以在2022年3月1日结束的RRSP季为2021纳税年度为RRSP供款。
基本个人免税额：如果您的收入为155,625元或以下，则2022年的联邦个人基本抵免额（basic personal amount）金额最高为14,398元。如果您的收入为221,708元或更多，则个人基本抵免额适用于更高的应税收入，为12,719元。
TFSA 供款限额：2022年的年度TFSA限额保持不变，为6,000元。如果您自2009年实施TFSA以来一直有资格供款，那么您的总供款空间现在为81,500元（假设您到目前为止没有提款或重新供款）。
联邦税率：2022 年的联邦税率和税率如下：
工资收入通常在发工资的时候，会预扣一部分所得税。有些自雇收入或者其他收入比较高的，可能需要分期纳税。
而且需要注意的是，在疫情期间所有联邦政府发放的补助金都属于taxable income，都需要报税。
每年的二月底之前，公司、银行、政府等会把上一年的收入以及预扣税的情况发给个人。比如 T4, T4E, T4A, T3, T5等，就可以知道上一年总收入是多少，又扣了多少的税。
对每个等级部分的收入数额使用相应税率，分别计算税额。
CERB和CESB在发放时是没有预扣税的，除非加上这两项补助金后依然没有超出个人免税额，否则就需要补税。
2. 2022 年个人税收变化
因为疫情下的2021年又是不平凡的一年，和往年可能只专注于获取T4表的情况不同， 2021年纳税申报表可能看起来有点不同。
获得COVID-19福利的加拿大人必须在纳税申报表上报告收入。
例如，您必须报告从加拿大康复福利 （CRB）、加拿大康复疾病福利 （CRSB） 和加拿大康复护理福利 （CRCB） 获得的收入。这些福利的接受者将从CRA获得T4A单。
这三项福利在源头扣缴了税款，但是，根据您从其他来源获得的收入，您可能仍欠税或收到退款。
3. 如果是以下情况，CRA 将认为您已按时提交报税表：
于2022年5月2日或之前收到
您的纸质报税表的邮戳日期为2022年5月2日或之前
对于自雇人士或配偶/伴侣自雇人士，截止日期延长至2022年6月15日。
按时报税不仅仅是按时获得退税。另外，延迟报税可能会导致罚款，也可能会延迟或对您的政府福利产生负面影响。
例如，您可能会错过加拿大儿童福利金和GST/HST 抵免额。
4. 2022年逾期报税的处罚
如果您有未付的税款余额，可能因提交迟交的纳税申报表会受到处罚。
如果您获得退款或您的税款余额为零，则在截止日期之后寄回您的报税表不会受到处罚。
当您欠加拿大税务局 （CRA） 的税款时，迟交所得税和福利申报表的处罚如下：
逾期报税罚款
CRA 会立即对您的欠税余额征收5%的罚款，再加上每月欠税余额的1%，最长可达12个月。
例如，如果您欠下5,000元的税款并延迟12个月提交纳税申报表，您的税单将增加到：
5,000 元 x 5% = 250 元，加上
5,000 元 x 1% x 12 个月 = 600 元
迟交罚款 = 850 元，将您的整体税单增加到 5,850 元。
此金额不包括额外的利息罚款。
如果您在前几年也迟交了税款，CRA 可以将您的“迟交”罚款增加到您税款余额的10%，再加上每月2%的罚款，最长可达20个月。
逾期报税利息
除了“逾期申报”罚款外，政府还将对您所欠税款收取利息，包括罚款。
在某些情况下，如果您能证明您无法控制的情况阻止您履行纳税义务，例如经济困难、自然或人为灾害、严重疾病或事故、邮政罢工等。
使用表格RC4288申请罚款豁免。
税务提示：即使您无法向CRA支付您欠他们的税款，在截止日期之前提交税款仍然是有意义的。这样做意味着您可以避免迟交罚款，并且只会为支付利息而陷入困境。
5. 注意2021居家办公的税收减免
这项扣除是在你的个人所得税申报中提出的。扣除项目会减少你的收入税额，因此它们会减少你的总体所得税负担。
这种方法简化了你对家庭办公费用（家中的工作空间费用以及办公用品和电话费用）的申报。如果你在一年中由于COVID-19大流行病的原因，至少连续四周在家工作超过50%的时间，你可以为这期间你在家工作的每一天减免2加元。
然后，你还可以索赔你在这一年中由于COVID-19大流行病而在家工作的任何额外天数。可以减免的最高金额在2020年为每人400元，2021年和2022年为每人500元。这种方法只能在2020年、2021年和2022年的纳税年度使用。
anytimemailbox的美国地址服务商，在全球有600多个网点，而且网点正在不断增加中，于是选了一个网点做测试，目前已使用这家的地址收到了一些包裹和普通邮件(银行帐单、信用卡、借记卡等)。由于这家网点众多，一大批人使用同一个地址的几率大大降低，因此做个详细的申请使用攻略。
这种邮件转发的服务商一般提供以下服务：
这种地址除了可以收信用卡、储蓄卡，用来购物也很方便，配合美国信用卡，可以大大降低海淘被砍单的概率。因为提供的服务多，收费自然也不便宜。由于Anytimemailbox是采取加盟的模式，因此每个网点提供的服务以及收费并不完全一样，但是都大同小异，如图：
Anytimemailbox的注册流程是这样的：
如果你想给家人办副卡或者申请信用卡，可以添加多个收件人，每个收件人要单独填写一份1583表格并公证
注册网址：anytimemailbox，打开以后点“BROWSE USA LOCATIONS”选取合适的网点，如图：
其中加州的地址最多，高达132个，这里随机选一个来做演示，如图：
点击California(加州)，打开加州的地址列表，地址很多，看得人眼花缭乱，选了一个Penn Valley郡的地址，如图：
地址格式如下：
选择地址的时候，建议考查以下几个因素：
通过Look Up a ZIP Code查询地址是不是商业地址，我们需要的是COMMERCIAL MAIL RECEIVING AGENCY显示为N的地址，输入要注册的地址，如图：
只需要输入 “Street Address”, City, State以及ZIP Code，然后点”Find”。搜索结果默认是折叠的，需要点右边向下的箭头打开，如图：
很幸运，随便找的这个地址不是商业地址，即COMMERCIAL MAIL RECEIVING AGENCY显示为N，如图：
这个套餐的基本信息如下：
综合来看，这个地址是合格的，只是处理费稍贵。由于建立信用记录至少要2-3个帐单周期，且有半年左右的信用记录以后再申请美国运通会比较稳，因此建议选年付套餐。
选择邮箱号码并输入自己的真实姓名，如图：
接下来输入个人信息，请如实填写，地址建议使用英文证件上的地址，方便后面进行1583表格的公证，如：国际驾照翻译认证件上的地址，旅游签证上的地址，如图：
接下来验证邮箱地址，如图：
缴费，付完款以后可以添加另外的收件人并着手准备填写1583表格并公证，如图：
我没有使用虚拟信用卡，取而代之的是招行银行的外币信用卡，主要是担心Anytimemailbox要验证信用卡所有权，有可能需要提供实体信用卡的照片。
注册成功以后，收到了下面的提示：
Congratulations! Your digital mailbox has been created!
Your mailbox address has been reserved. Please note in order for you to view and manage your mail we need a completed notarized USPS Form 1583 and two forms of ID. This process can be achieved online anytime by logging into your mailbox.
你也可以去美国驻中国大使馆进行公证，与公证护照的流程一致，具体可参考：如何去美国驻广州总领事馆公证中国护照
填写1583表格并进行在线公证的方法我将在另外一篇文章里单独进行介绍，链接在这里：USPS Form 1583 是什么以及公证1583表格的具体流程
菜单是：Settings—>Authorized Recipients ，需要和实际运营这个地址的工作人员联系，下方有联系方式，可以打电话或者发邮件。当我联系工作人员的时候，工作人员让我联系客服，让客服帮我添加。于是通过网站右下角的Live Chat Support联系客服，客服帮我生成了多个收件人的USPS Form 1583表格，下载表格后在线公证，然后上传，接着等待工作人员验证。
其他美国地址服务商：
优点：有免月租的套餐，如果只收包裹(通过快递公司邮寄的物品，如FedEx,
DHL，UPS)，不需要填写1583表格。这个地址可以收BOA的借记卡、信用卡，如果没有提交1583表格，在BOA开户的时候让银行经理给你发快递(FedEx,
DHL，UPS)，不要发USPS。
缺点：只有一个地址，并且是在USPS登记的商业地址，不能用于申请AMEX信用卡
优点：有免月租的套餐，如果只收包裹(通过快递公司邮寄的物品，如FedEx, DHL，UPS)，不需要填写1583表格，包裹可以免费存储7天。
缺点：不能转运信用卡、借记卡
When starting a new business, there are several things you have to take into consideration. You can have the best products on the market and still not be successful if you haven’t set your business up properly. Below are six key aspects you should be focusing on as you set up a new business and lay the foundation for future success.
Your business name is one of the most important aspects of any new venture. Your business name means a lot, and the most successful brand names can become very well-known and associated with quality. When naming your business, keep the following in mind: it should be easy to remember, reflective of what your business does, stand out in the market and have positive connotations.
Also, make sure it is a name that has not already been registered or a name that has been trademarked. In order to check to see if a proposed name is available, it is prudent to use a NUANS professional to assist you. A professional will preclear the name first and provide you with their opinion as to whether the name is available BEFORE the NUANS is ordered.
Once you have begun the process of starting a new business, you must register online or mail to the ministry the proper registration forms to operate. Business registration works on several levels, and you may register your small business with your city or municipal area, your province or the federal government.
You can incorporate your business provincially or nationally. It’s helpful to engage a company such as that specializes in business registration or a law firm which is most likely the more expensive option. When completed, you will have all the information you need such as official registration of your business’s name for your GST/HST account, and your Business ID number.
When starting a new business, it is generally a good idea to register for a GST/HST account as soon as your business is established. If your business makes more than $30,000 a year, you must charge GST/HST. Plan for success; don’t wait until you break the $30,000 threshold in sales. Above all, talk to your accountant for advice.
NOTE: HST/GST refers to Harmonized Sales Tax/Goods and Services Tax. One tax account is opened for both of those taxes. When selling to customers in different provinces you are required to charge those customers HST/GST at the rate for that province. You can determine the rates by referring to Revenue Canada’s Provincial Rate Table.
When starting a new business, insurance is a required part of daily operations. For example, most businesses in Ontario must register with the WSIB within 10 days of hiring their first worker. As a business owner you are responsible for your workplace’s safety and your workers’ well-being.
You will also want to consider various other insurance plans to cover things such as your business’s physical property, goods, protection against natural disasters, and liability insurance to protect both employees and customers.
A business needs to have ways for their customers to communicate with them. Naturally you will want a phone number so customers can call with inquiries about products, services or general information. When setting up a phone number, make sure you choose professional-level services and a number that is distinctive, and if possible, not easily confused with other companies.
A website is also a highly valuable asset. Not only can you use a website to promote your business and provide information to customers, you can also use it as a storefront in its own right to take orders online.
Marketing is key when starting a new business. You have to get your business’s name out there in the community to drive sales. It takes more than having a website to reach customers. Marketing is a proactive part of business and you need to be involved. Now that you have a brand name, it’s time to leverage it on social media.
Setting up accounts on popular social media websites allows you to promote your business, inform customers of upcoming events, respond to customer questions, and engage with the community through contests and the like. Proper use of social media makes your company more well-known and can encourage sales.
