In addition to the recommendations in the other answers, it is likely a good idea to place a credit freeze with the three credit bureaus — Equifax, Experian, and TransUnion.
Your ex-husband has access to all of your personal information, including your social security number. It would be easy for him to open a credit account in your name. A freeze would ...
I've actually dealt with an almost identical situation more than once. Close your bank account and open a new one in your name. Then have the bank issue a fraud alert on all previous accounts. If your ex-husband and his girlfriend attempt any transactions of any kind on these accounts the bank will involve law enforcement and have fraud charges leveled ...
Ryan's Law: if it wasn't written down, it didn't happen
The problem is, it's all just more "He said, she said" unless there is physical evidence.
Keep contemporaneous notes of everything
You may remember James Comey describing a having a nagging feeling, right after a meeting, of "I really better take physical notes of that ...
In addition to the other answers I would highly advise the following cyber-security related precautions:
Make sure that all passwords for banking websites, government websites, as well as email accounts are:
Fully different from each other. No templates like SecurePhraseA1, SecurePhraseA2, etc.
ideally 20-40 characters long with every ...
If he has your social security number, and is handing it out, I'd at least consider trying to get a new Social Insurance number, which you can do if you are the victim of identity theft (clearly yes), and it's likely to recur. Also, get a lawyer, or just make a criminal complaint to the police about what has been happening.
Ask your lawyer if it makes sense to press criminal charges against your ex-husband and/or his girlfriend for attempted identity theft, harassment and/or fraud.
Other than that you can only hope that the banks fulfill their promise and won't allow him to succeed. But should he somehow manage to access your bank account, you might be able to take legal ...
The short answer to this is that your corporate income for tax purposes is $100,000 as the $13,000 HST is collected on behalf of the government and is forwarded to the government.
If you had any expenses then you would reduce the amount of HST paid and the amount of corporate income tax. For example if you had certain costs of goods sold for $10,000 + HST of ...
In principle, GST/HST is value-added tax. The tax on your sales is not a tax on you, but on your customers; you are collecting the tax on behalf of the government.
You are holding it in trust for the CRA, same as for your payroll (EI/CPP/etc.) deductions. It is not part of your income.
GST/HST needs to be filed separately.
You also pay the tax on your ...
Slight side-step to your first question to highlight your second:
"Alternatively, if I just leave the extra $1,500 can I claim it next year when my contribution room increases?"
Yes, you can do this, and I would say it is the recommended approach.
Technically, if you have no fear of miscalculating your RRSP amount, you can happily use the $2k '...
I don't know why you feel lost. Total Insurable Earnings isn't used to determine how long your payments last. It's not "total amount of insurance we will pay you." It is "total amount of money you earned over the period we used to calculate things." It's normally used to determine the amount of each payment:
We calculate your total ...
The CRA is unusually clear on this:
if you own a rental property with your spouse or common-law partner, you are a co-owner.
Not "you may be" or "consider electing to be" -- you are.
Be careful as you fill out the form, because you're mostly working with the total rent and total expenses, not divided by owner, until you get to the final ...
File your taxes with all rrsp contributions in the correct places, ie $23000 in 2020 contributions and $5000 in the first 60 days of 2021. Note that banks report this to the CRA and if you try and put the $5000 on next years tax return the CRA will have already added it on the 2020 contributions in their records.
You are over $23k - $16K(room) - $2k(allowed ...
To help anymore who might be in the same situation as me I will post the results of my research and my conclusion as an answer.
To resume the situation, I contributed more than my 2020 deduction limit to my RRSP in 2020. The CRA has a page just for that called What happens if you go over your RRSP deduction limit? In this page it says the following:
If you ...
Adjusted cost base
In some cases, special rules may apply that will
allow you to consider the cost of a property to be an amount other
than its actual cost. This section explains these rules.
Properties of a group are considered to be
identical if each property in the group is the same as all the others.
The most common examples of ...
There is a page summarizing the eligibility of people for EI.
You may be entitled to EI regular benefits if you:
Were employed in insurable employment
lost your job through no fault of your own
have been without work and without pay for at least seven consecutive
days in the last 52 weeks
have worked for the required number of insurable employment hours ...