TAXX301_Assign1

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Athabasca University, Athabasca *

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301

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Finance

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Jan 9, 2024

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docx

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Question 1-13, pg. 58 CASE A Income under ITA 3(a): Employment Income $58,200 Rental Income 5400 $63,600 Income under ITA 3(b): Taxable Capital Gains 31,600 Allowable Taxable Losses (12,400) 19,200 Balance from ITA 3(a) and 3(b) 82,800 Subdivision e deductions (4000) Balance from ITA 3(c): 78,800 Deductions under ITA 3(d): Business Loss (12,300) Net Income for Tax Purposes $66,500 CASE B Income under ITA 3(a): Employment Income $82,600 Rental Income 12,200 $94,800 Income under ITA 3(b): Taxable Capital Gains 15,600 Allowable Taxable Losses (23,400) nil Balance from ITA 3(a) and 3(b) 94,800 Subdivision e deductions (5400) Balance from ITA 3(c): 89,400 Deductions under ITA 3(d): Business Loss (8400) Net Income for Tax Purposes $81,000 Allowable Capital Loss Carry Over (23,400 – 15,600) $7800 CASE C Income under ITA 3(a): Employment Income $46,700 Rental Income 2600 $49,300 Income under ITA 3(b): Taxable Capital Gains 11,600 Allowable Taxable Losses (10,700) 900 Balance from ITA 3(a) and 3(b) 50,200 Subdivision e deductions (11,600) Balance from ITA 3(c): 38,600 Deductions under ITA 3(d):
Business Loss (62,300) Net Income for Tax Purposes nil Business Loss Carry Over (62,300-38,600) $23,700 CASE D Income under ITA 3(a): Employment Income $33,400 Rental Income (18,300) $15,100 Income under ITA 3(b): Taxable Capital Gains 23,100 Allowable Taxable Losses (24,700) nil Balance from ITA 3(a) and 3(b) 15,100 Subdivision e deductions (5600) Balance from ITA 3(c): 9500 Deductions under ITA 3(d): Business Loss (46,200) Net Income for Tax Purposes nil Allowable Capital Loss Carry Over (24,700 – 23,100) $1600 Business Loss Carry Over (46,200-9500) $36,700 Question 2-1, pg. 98 CASE ONE Date Tax Payable Income Withheld Owing 2020 $18,880 $14,480 $4400 2021 20,320 19,720 600 2022 Esti. 21,760 18,640 3120 Instalments would be required for 2022 as the estimated tax owing in 2022 and 2020 exceeds the $3000 threshold. Instalments for Individuals: Alternative 1: Current Year / 4 Alternative 2: Preceding Year / 4 Alternative 3: Second Preceding Year/4 + (excess of the net tax owing for the 1 st preceding year-1/2 second preceding year net tax)/2 The CRA uses alternative 3 in their instalment reminders. 4400/4 = 1100 1100 will be used for the first two payments on March 15 and June 15. (600-2200)/2 = (800) = nil
No payments will be made on September 15 and December 15 because the amount owing is less than 0. This will result in total payments of 2200 (1100 x 2) for 2022. However, this is not the best option for Gladys Nite. If she instead used alternative #2 (Preceding year/4) she could reduce her overall instalment payments. Using that alternative, we get 600/4 = 150 per payment. These payments would occur on Mar. 15, Jun. 15, Sep. 15, and Dec. 15. This is a significantly better option than alternative #3 despite having to make payments on Sep. 15 and Dec. 15 as it reduces her overall instalment payments from 2200 to 600 . CASE TWO Date Tax Payable Income Withheld Owing 2020 $18,880 $19,280 nil 2021 20,320 14,880 5440 2022 Esti. 21,760 18,560 3200 Instalments would be required for 2022 as the estimated tax owing in 2022 and 2021 exceeds the $3000 threshold. CRA Instalment Reminders Nil/4 = nil The first two payments on Mar. 15 and Jun. 15 would be nil because the amount owing in 2020 is nil. The next two payments would equal (5440-0)/2 = 2720 on Sep. 15 and Dec. 15. This is not the worst alternative to choose as there is some built in tax deferral compared to alternative #2 which would require equal payments of 1360 throughout the year. However, alternative #1 is the best choice as it reduces the overall instalment payments from 5440 to 3200. Alternative #1 Current year owing/4 3200/4 = 800 Four payments of 800 on Mar. 15, Jun. 15, Sep. 15, and Dec. 15 would be required under this alternative. CASE THREE Date Tax Payable Income Withheld Owing 2020 $18,880 $15,280 3600 2021 20,320 16,160 4160 2022 Esti. 21,760 19,440 2320
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