English
Voyez, ci-dessous, 202 moyens de réaliser des profits additionnels ou économies; également ce pourrait être 202 moyens de revenus supplémentaires à votre revenu de retraite. (voir note au moyen ou section # 1 pour la traduction de l'anglais au français).
http://www.entrepreneur.com/downloads/assist/202_ways_to_supplement_your_retirement_income.pdf
1. )
Chacune des «business» mentionnée, ci-dessus, et qui peuvent être exploitée à partir du domicile, est considérée comme un "Abri Fiscal " pour les couples ou personnes qui travaillent et dont les revenus se situent dans la classe ou palier supérieur des taux d'impositions d'impôts (voir exemple d'économie d'impôts de $ 4,675.00 plus un revenu supplémentaire non imposable de $ 3,200.00, ce qui donne un revenu total $ 7,875.00, avec l'économie d'impôts, et selon l'exemple, c'est 35% de réduction d'impôts à payer; voir à la dernière section ou section # 15 de cette page web). Comme consultant, je suis à la recherche d'entrepreneur intéressé à démarrer une entreprise ou intéressé à l'expansion et à la croissance de leur entreprise en utilisant «l'ensemble relativement organisé d'idées, de concepts, qui se rapporte à un domaine déterminé» dans les volumes du "club des entrepreneurs" et du magazine entrepreneur.
Vous avez une période de 30 jours pour demander un remboursement, si vous n'êtes pas satisfait.
Peut-être que nous pourrions faire de l'exportation/importation (voir et cliquez sur le guide "import/export business, ci-dessus").
Obtenez un exemplaire gratuit d'un guide pour démarrer une entreprise et un exemplaire gratuit du "entrepreneur magazine".
Note :
Deux sites webs font la traduction de l'anglais au français des sites webs, quoique des fois la traduction doit être vérifiée avec des dictionnaires qui font la traduction de l'anglais au français; la traduction de "Google" est plus exacte (si vous avez des difficultés, vous pouvez m'envoyer un
e-mail à: papillon.daniel@videotron.ca).
Note : there are two webs sites which make translation of webs sites from French to English; the translation of "Google" is more accurate. See the webs sites address below and click on :
http://www.google.com/language_tools?hl=en
http://world.altavista.com/
Les adresses de ces sites webs sont :http://babelfish.altavista.com/ ou cliquez le lien Outils linguistiques dans la page d'acceuil de "Google" : http://www.google.ca/language_tools?hl=fr
Quelquefois un associé peut être bailleur de fonds tandis que vous
fournissez la compétence (the skill); et vous êtes payé à salaire. L'associé actif idéal est celui dont la compétence (the skill) diffère de la vôtre afin que chacun de vous puisse contribuer au succès de l'entreprise autrement qu'en investissant de l'argent. Que votre associé ait une part active ou une responsabilité limitée, il insistera normalement pour être consulté lorsque la direction aura des décisions à prendre.
L'entrepreneur devra préparer un "business plan". The consultant du "CLub des entrepreneurs" pourra aider l'entrepreneur à préparer un bon «business plan ou plan d'affaires». Un bon «business plan» est un outil précieux et un passeport pour obtenir du financement ou une subvention gouvernementale. Aucun financier ne voudra vous parler si vous n'avez pas votre "business plan" sur papier.
There are basically three ways to acquire additional money (Il y a essentiellement trois façons d'acquérir des revenus supplémentaires):
1) Investment (en investissant)
2) Second or Third Job (en ayant un deuxième ou un troisième emploi)
3) Home-Based Business (Business ou Commerce à partir du domicile)
We offers you an opportunity to be in business for yourself, through our independent associate program...(nous vous offrons l'opportunité d'avoir votre «business ou commerce à partir de votre domicile» par le biais de notre programme : «d'associé indépendant»).
Pour recevoir des informations en ce qui concerne «l'Abri Fiscal mentionné à la dernière section ou section # 15 de cette page web» ou en ce qui concerne les 202 moyens de revenu supplémentaire à votre revenu de retraite ou à votre revenu actuel,
envoyez-moi un e-mail à :
papillon.daniel@videotron.ca
ou téléphonez-moi.
Daniel Papillon
contrôleur de gestion (marketing/vente)
Expert-comptable (Tax accountant)
Tél.: 450-754-4594
Fax : 450-754-1962
55 rue Ferland
St-Paul, Québec, J0K-3E0, Canada
Contrôleur de gestion : personne chargée de surveiller la marche d'une entreprise, d'en évaluer les méthodes, l'organisation, les résultats
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2. )
Sign up for a Doba Free Trial!
Les prix sont les moins chers, c'est garantie, parmi les prix en gros ou lowest wholesale price en anglais.
La vente en gros est définie comme étant les activités des personnes ou des établissements qui vendent aux détaillants et aux autres marchands et /ou aux consommateurs industriels, institutionnels et commerciaux; et aussi aux consommateurs de bien finals.
Un «drop-shipper» en anglais est un «Commissionnaire indépendant» en français.
Satisfaction guarantie
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3. )
FREE Business Cards! WOW! Click here.
50% Off All Magnets - All Sizes
80% OFF Premium Business Cards & FREE Return Address Labels
FREE Deals of the Week
50% Off All Postcards
FREE Rubber Stamps
Note : vous avez 30 jours pour demander un remboursement pour les produits achetés si vous n'êtes pas 100% satisfait.
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4. ) Pour économiser 30% et plus à l'achat de votre auto peu importe la marque, veuillez faire un "clic" sur le nom de domaine, ci-dessous, pour plus d'informations et pour obtenir un remboursement si non satisfaction.
http://papillon55.viligent.hop.clickbank.net/
Si vous êtes satisfait de votre expérience, il y a possibilité que vous deveniez "acheteur assistant" et que vous aidiez d'autres consommateurs («contre honoraires») à économiser en achetant au prix de "gros" leur auto (wholesale price en anglais). Peut-être que je pourrai continuer à vous conseiller.
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5. ) "Internet Marketer Gets $87 Million in
Google Pay-Per-Click Ads FREE! ... And
Makes Over $314 Million as a Result! ...
And Now He's Going to Give You This
Same Secret for Next to Nothing!"
Pour plus d'informations et pour obtenir un remboursement si non satisfaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.freegoogle.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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6. ) Selon les témoignages aux États-Unis (et le Canada est admissible), vous pouvez conduire une auto neuve gratuite ou vous pouvez être payé jusqu'à $ 3,200.00 chaque mois pour conduire votre propre auto comme vous le faites normalement. Pour avoir plus d'informations, et pour obtenir un remboursement si non satifaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.thefreecar.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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7. ) Pourquoi payer $ 25.00 et plus par mois pour le cable ou pour les services de télévision par statellite. Obtenez plus de 3,000 postes de télévision sur votre ordinateur de bureau ou portatif gratuitement. Pour avoir plus d'informations, et pour obtenir un remboursement si non satifaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.ipodpsp.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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9. ) Selon le professeur James Bradley, on peut devenir millionnaire avec l'internet. Monsieur Ken Hollen a fait environ $ 54 billions de dollars sur internet avec son idée de faire réaliser des économies aux compagnies d'assurance et à leurs clients. Monsieur Fernando Espuelas avait commencé son entreprise sur internet en empruntant sur sa carte de crédit, il a maintenant un capital de $ 2 billions de dollars. Le web internet est jeune, les possibilités sont partout. Vous verrez sur le site web : http://www.SmallBizBooks.com. que
des personnes intelligentes ont eu du succès, et qui confirme en quelque
sorte les prétentions du professeur James Bradley. Vous devez considérer
que c'est la minorité des personnes intelligentes qui trouvent des
idées pour devenir millionnaire comme Bill Gate; pour cette raison, si vous trouvez une une idée pour devenir millionnaire, vous devez la garder secrète, c'est en quelque sorte le secret de l'entreprise.
Pour avoir plus d'informations, si vous êtes intéressé d'essayer de comprendre les prétentions du professeur James Bradley, et pour obtenir un remboursement si non satifaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.imd1000000.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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10. ) Économisez 50% de vos dépenses de réparations d'automobile.
Les coûts de réparations d'une automobile vont triplés dans un proche avenir.
Pour avoir plus d'informations, et pour obtenir un remboursement si non satifaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.mechanic.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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11. ) La façon aisée d'acheter et de vendre des automobiles avec profit.
Vous pouvez acheter et vendre des autos avec profit; vous pouvez augmenter votre capital en achetant et en vendant des autos. Pour avoir plus d'informations, et pour obtenir un remboursement si non satifaction, vous devez faire un "clic" sur le nom de domaine suivant, ci-dessous :
http://papillon55.carbook.hop.clickbank.net/
J'apprécierais recevoir vos commentaires.
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12. )
Note : vous avez 30 jours pour demander un remboursement pour les produits achetés si vous n'êtes pas 100% satisfait.
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13. )
http://dp.network-editeur.com
(Pour les gens qui veulent publier du contenu et générer des revenus avec la publicité contextuelle)
http://dp.network-webbiz.com
(Pour les gens qui veulent vendre un produit ou un service en ligne, Paypal intégré)
http://dp.network-reseauteur.com
(Pour les distributeurs et réseauteur de n'importe quel MLM)
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14. )
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15. )
Taxes: Life’s Biggest Expense
Most likely the biggest lifetime expense you will encounter is TAXES. The amount of tax you will
pay has little to do with your total income and a lot to do with your knowledge of tax reducing
strategies. A large percentage of the money you will accumulate in your lifetime is dependent on your
tax reducing plan and not on your income. A good tax plan uses the tax laws to decrease your taxes.
Your tax objective must be to increase disposable income by reducing taxes legally. You have every
right to learn and understand the tax system, so you can take advantage of every legal means available
to reduce the taxes you pay. We all live under the same tax and legal system and are all entitled to the
benefits the system provides .
DEDUCTION: Anything that can be deducted before paying taxes.
The Most Rewarding Tax Strategy
Now, try to suppress any negative thoughts about this until you read it entirely. It's a lot easier
than you may think and the potential rewards are huge. Remember, thousands of very intelligent
“middle-income” Canadians use this strategy year after year, and for most of the wealthy, it is their
main tax reduction strategy.
Owning Your Own Business
There is no better way to create tax deductions, than owning your own small business, and in
most cases, running it from your home. We deal more with the logistics of starting a part time
or full time business in section 1 of this web page, above, and at web site http://danielpapillon.webs.com/ , but for now, let's talk about creating deductions in your business.
Personal Property
(Is Your home Mortgage Interests Tax - Deductibles ?)
Many of the things that you consider personal property are claimed as deductions by those who have a small business. The easiest way to illustrate how this is done is to use an example. The
business could stem from a hobby or interest that you now enjoy, from some special training you
have or some special talent, or from joining one of the many Home Based Business opportunities
available today (see section 1 of this web page, above, and my other web site http://danielpapillon.webs.com/).
But for now, let's have a look at how it has affected a fictitious couple we will call Bob and Mary Murray.
Bob and Mary have a small business. They are Independent Associates for Pre-Paid Legal
Services, Inc. (PPL). Bob also has a full time job as assistant manager at Canadian Tire. Mary works
part time at a doctor's office. They have put their Home Based Business in both of their names to
give them more flexibility at tax time. The main functions of a PPL Associate is to share
information on a $26.00 a month Legal Plan with their friends and family and to introduce the
concept of the company to others who may be interested in starting their own business.
In the process of carrying out these activities, we should observe the following things.
A car is no longer a luxury for Bob and Mary, it is a necessity for them to carry out the duties
of their business. Bob figures that about 50% of the time he uses his car, it is for the business. He
adds up all his automobile expenses at the end of the year (of course he now gets receipts for
everything). These expenses include such things as depreciation (or lease costs), interest on his car
loan, gas, oil, repairs & maintenance, etc. He deducts 50% of these expenses from his income.
The Murrays own their own home although it does have a $190,000 mortgage on it. The
basement of their home was not being used, so they turned it into an office and a large room for
holding business meetings in. (It does resemble a rec room and the kids do use it when it’s not
being used for business. After all, there is a TV and DVD Player in it that is used for watching
training videos). The office and meeting room pretty well take up the whole basement, except for
the laundry room, so together, they make up about 45% of the space in the house. At the end of
the year, Bob adds up many of his home expenses. They include the interest on his mortgage,
(which is actually, at this time, about 90% of his mortgage payment), property taxes, electricity,
and furnace oil. Bob deducts 45% of these expenses from his “new business” income. He also
deducts his long-distance and cell phone bills.
The Murrays do quite a bit of traveling. Wherever they go they make sure that they take along
their PPL materials - a sales kit, a few videos and some literature. Last year they went to California.
While there, they talked to some people about their business. They gave out some business cards
and picked up a few from other people. (They put the business cards they received in a file with
their receipts just to prove they were doing business.) They visited with some other PPL associates
and attended a PPL Business Briefing in L.A. Of course, they deducted most of the expenses they
incurred (except for the costs at Disneyland where they took the kids). They do use a Visa card
when they travel (which is a great way to record expenses), so they deduct the interest and fees as
well. Their deductions came to over $ 4,300.
Some of the other things that Bob deducted last year were that TV and DVD Player that he
needed for his business. He also bought a Video Camera so he could record the meetings at his
place and make some of his own tapes just to add a personal touch to his business. Bob subscribes
to a number of magazines so he can keep in touch with what’s going on in the industry. Any
stationary that he buys, their computer, the filing cabinet, the shelving and Mary's new desk all help
with the deductions.
The Murrays are thinking of buying a Motor Home to make their traveling more convenient
and flexible. They will deduct an appropriate portion of the depreciation on that when the time
comes.
The Murray children get involved in the business as well. One of their older children does
some telemarketing for them and other needs are filled by them throughout the year. Instead of an
allowance, the children are paid as sub-contractors. It is a little higher than most allowances,
but with it the children are required to buy some of their own clothes as well as contribute to their
education expenses. (Mary actually looks after most of their money for them.) Bob has set things
up so that the money that goes to the children is a deductible expense. Bob and Mary know that
their children can earn around $10,000 a year before they have to pay any taxes. The fact that the
children earn money and file a tax return each year has other important tax advantages as well
(discussed later).
In the first year in their new business the Murrays only earned $ 3,200. But, their business
deductions came to $ 18,500. The income was attributed to the one who did the work in proper
proportion. In this case it was mostly Bob. The Murrays know that you are allowed to lose money
in a business and you can, in most cases (see "important note" following), charge that loss against
earned income. They know the tax rule says that a business must have "a reasonable expectation
of profit", and they do expect to make a profit in the next few years.
However, they didn't make a "profit" last year, but Bob did get $ 4,629 back from his income
tax (the tax he had paid through his job at Canadian Tire). He then put that into an RRSP. And
created another big deduction for next year.
Now, let's look at what DEDUCTIONS the Murrays created (or will create) by owning their own business. They deducted, (or will deduct) all or part of the expenses relating to their:
Car Gas, Oil, and Maintenance
Other Auto Expenses Mortgage Interest and Taxes
Magazine Subscriptions Stationary
Computer and Printer Office Furniture
Credit Card Fees and interest TV
Utilities and Telephone Vacation Expenses
DVD Player Cameras
Recreation Vehicle Children’s Allowances
IMPORTANT NOTE :
All of the above deductions can be used to reduce taxable income
payable against other earned income except expenses relating to an office in your home. In other
words, in the case of the Murrays, where the actual income they received from their small business
was $3,200, the most that they could claim for mortgage interest & taxes, and direct home expenses
like electricity and fuel oil, would be $3,200. They could, however, carry forward to future
years, any loss not used, to be used then in accordance with the same rule. All the other expenses,
if valid deductions, could be used to reduce the taxes payable even from Bob's salary from his
regular job.
Also take note that some expenses such as computers, leased automobiles, and entertainment
require a little more work to establish the amount you can deduct than just adding up the receipts.
However, such computations are not the purpose of this site.
How Easy Is It?
Starting a home based business that will qualify you to do what Bob and Mary did is very, very
simple. (see section 1 of this web page, above, and my web site http://danielpapillon.webs.com/ ).
You don't need to incorporate a company or even register a name. It really is simple.
Look At The Example Now :
Now, let's go back to the example used earlier where a person with a $65,000 a year income
was paying $12,933. in taxes. Here is how it looked before the strategy of a Home Based Business
was injected into the scenario:
Let's assume you earned $65,000 and the only deduction you had was your “Basic Personal
Amount” of $10,375. This would mean your taxable income is $65,000 minus $10,375. which is
$54,625.
Here is what you would pay (roughly) on a "taxable income" of $54,665. :
21% of the first $40,000 = $8,400.
31% of the balance of $14,625.= $4,533.1
( You have no taxable income that falls into the higher brackets)
TOTAL TAXES DUE = $12,933.
Now let's suppose you had that $3,200 extra income that Bob received from his home based
business and the $18,500 deduction. It would then look like this:
You earned $65,000 at your regular job plus the $3,200 from your business. Now your
deductions are your Basic Personal Amount of $10,375 plus the $18,500 business expenses. This
would mean your taxable income is $68,200 minus $28,875. How much tax do you pay now?
Taxable Income is $68,200 minus $28,875 = $39,325 (Compared to $54,625 in the first example.)
21% of $39,325 = $8,258 (Total Taxes Due)
TAXES SAVED = $4,675
The final result is an income increase of $3,200 and a tax savings of $4,675 for a total
income/savings of
$ 7,875.
For a different perspective, this makes the monthly financial benefit of this part time business
$656 a month ($3,200 earned and $4,675 saved, divided by 12). Not a bad little part time business.
That's a 35% reduction in tax payable. And really, this is a very conservative example. If you
take your Home Based Business seriously, not just using it as a way to reduce taxes, the results can
be so much more rewarding.
L'adresse de mon autre site web est : http://danielpapillon.webs.com/