Canada Day Celebrate This Nation

Canada Day 2015 is here, and given this holiday is mid-week this year, it is an odd holiday.

Canadian Flag

Happy Canada Day

In Canada we enjoy many things, and here for your enjoyment is my ode to Personal Finance in Canada:

C  is for the Cash, which of course is King
A  is Accounts which you should have opened (TFSA, RRSP, RESP, RDSP, etc.,)
N  is nervous which you should not be if you have a solid financial plan
A  is for Accountant like Blunt Bean Counter, which you should consult if things get complicated
D  is for Debt, the scourge of us all
A  is for Assets, the one thing we should all be accumulating (useful assets that is)

For your enjoyment, William Shatner sings Oh Canada (another former Montrealer):

William Shatner Sings O Canada by Jacob Medjuck, National Film Board of Canada


Happy Canada Day

Canada Day 2014 is here, and we are all off celebrating a ludicrously long weekend, and celebrating Canada’s 147th birthday (not long until big number 150).

Canadian Flag

Happy Canada Day

Enjoy the day, be astounded by this great nation that we live in, and its majesty and beauty.

For your enjoyment, a short from the NFB that sums up Canada Nicely:

Canada Vignettes: The Maple Leaf by Paul Bochner, National Film Board of Canada

One more for good luck also by Mr. Paul Bochner:

Canada Vignettes: Faces by Paul Bochner, National Film Board of Canada


Remembrance Day

Poppies Amongst The Gravestones

We shall remember as we should every year on this day (and other days too) of the Things done by Others to protect us, and our freedoms.

I have the privilege to work with many veterans in my job, and it is always astounding to talk to them about the things they did and the abject humility it is told to you (when you can get them to actually tell you about their tours of duty). Don’t get me wrong, plenty of stories of the fun times with comrades in arms, however, they rarely if ever will talk of the work done.

Our new veterans from Afghanistan have seen things and lived through a different war, we must remember them, as well as all our veterans.

I worry that this government and future ones are not doing enough for our veterans, talk to your Member of Parliament about the treatment of our Veterans. The term “Homeless Veteran” should really not exist here in Canada, we should take care of our own.

Thanks to Veterans Affairs for this picture and the vignette at the end of this post.

We shall Remember


In Flanders Fields

In Flanders fields the poppies blow
Between the crosses, row on row,
That mark our place; and in the sky
The larks, still bravely singing, fly
Scarce heard amid the guns below.

We are the Dead. Short days ago
We lived, felt dawn, saw sunset glow,
Loved and were loved, and now we lie
In Flanders fields.

Take up our quarrel with the foe:
To you from failing hands we throw
The torch; be yours to hold it high.
If ye break faith with us who die
We shall not sleep, though poppies grow
In Flanders fields.

 by John McCrae


Happy Canada Day!

Today is Canada Day, where we celebrate the confederation of our Country (well most of us, some in Quebec choose to ignore this), so this means all stores and banks are closed tomorrow (?!?!?) (This is pretty weird that everything is open on Canada Day, but closed the day after?!?!?). Enjoy Canada Day then, and go shopping (remember you can’t tomorrow).

Canada Day in Ottawa is actually pretty darn cool, with all the celebrations on Parliament Hill and if you are a Canadian, maybe you should come by (one year) to enjoy it all. A good year to think about doing this might be 2017 since Canada turns 150 then

Happy 145th Birthday Canada (the best Country in the world to live in (IMHO)). To my American friends, sorry, Canada is just a little better.

Happy Canada Day!

And now a fun version of our National Anthem, played on beer bottles, now if that is not Canadian, I don’t know what is!

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Taxes: You are now officially LATE!

Let me be a little more exact, if you OWE money to the government today (May 1) you are now officially late! You don’t actually have to send in your tax return until June 15th (midnight), however, if you owed money, you had better have sent them some money by now, or you are now in arrears.

You could have made an arrangement with the CRA, if you owed money (according to their web page):

If you can’t pay the full amount of tax you owe, you may be able to make a payment arrangement. If the CRA agrees that you are not able to make a full payment, an agent can work with you to develop a plan to help you pay your taxes.

So you had a chance, if you had called the CRA, and if you haven’t sent money yet, I would call the CRA anyhow, and see what you can do about it. Don’t do nothing, that is going to get you into more trouble, better to throw yourself on the mercy of the CRA now, than wait for them to come and get you!

If you are late, what kind of penalties might you get? Check here for the complete details, however:

If you owe tax for 2011 and do not file your return for 2011 on time, we will charge you alate-filing penalty. The penalty is 5% of your 2011 balance owing, plus 1% of your balance owing for each full month that your return is late, to a maximum of 12 months.

Yikes! Hope you paid on time (if you owed money). Oh, and you may be able to get these penalties waived if you can give the CRA a good excuse (an excuse that they agree is an extenuating circumstance). Keep that in mind too.


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