HawthorneVillager.com

In the words of This hour has 22 minutes "People is dumb..". Politicians can very easily make people vote for one party over the other over silly things that don't matter all that much. Most people voted Ontario Liberals last year because of one issue only. Religous school funding. Most people voted Conservatives in Federal elections last year because they didn't like the way Dion looked or spoke. Too goofy. Platform? Policy? Results? Who cares about that. Too goofy. McGuinty keeps breaking promises? Who cares.

The people on this forum (at least the vocal ones) are more informed than most voters, so they might actually vote and do it after some reasearch. But most people don't.

Zhamid, it was an interesting write-up. I will also add that we need to improve financial education as well. Parents and teachers need to show kids how to produce more than consume. Also, small percentage of people understands how economy works, and they make bold statements based on nothing more than a guess. In Europe they are talking about social crisis, because too much money is being spent on social programs. In Canada, we lack efficiency as well. People want government to take care of them. Well, in my opinion government is there to govern and we all have to take responsibility for ourselves. Yes, we need social programs, but when I see young individual like myself sitting on wealth fare and doing nothing to contribute I’m extremely upset. We need to improve our system, so people who really need and deserve help will get enough, and the once who abuse this system get nothing. Unfortunately this is vice versa right now. To improve our situation each government has two directions, spend more money or become more efficient. Ontario’s government today does not seem to have efficiency in their vocabulary. I mean, look at Toronto, the city is broke, and instead of making some changes they keep on spending unearned money and raise taxes.
As people we really have two ways to make a change. 1: Elect a new government and give them a chance to make a difference and to see how things will turn out. 2: Take proper action yourself to save your money through proper tax planning and budgeting. Become very careful with your finances, especially going into next 5 years, because we might be having “fun” times in a couple years. Create multiple stream of income to offset possible job loss. Don’t overextend yourself with you mortgage debt, only buy a house based on a single income. Efficiency is the key word to protect you nowadays.

Prices will rise, food already became more expensive, once oil will catch up, and inflation will start rising interest rates will follow. Many were blaming Con’s government for not injecting money into the economy fast enough, may be they did not want to inject it at all, because it creates larger problem. I only vote for a party that makes more sense, and for past several year Conservatives were much better choice. I think it is time to give them a try in Ontario to make some changes.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

Watching question period, it would be nice if just once when McGuinty or any of his henchmen, would answer questions directed at them.

Opposition: "I ask you mr. Premier, why do you feed us so much bull?"

McGuinty: "Mr. Speaker, I remind you that the liberal government is committed to making change and we have done such and such.. blah blah"

Every question hes asked he blames the previous government and beefs up what his government has done.

Income splitting would definitely be a good thing. We should be encouraging families to raise their children themselves instead of relying on daycares.

Im confused as to why people think we have such a great deal here in Ontario or Canada - its great if you make minimum wage (because of the minimum wage legislation) or are in the lowest income brackets because then others pay your fair share for you.

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If you wish to be a success in the world, promise everything, deliver nothing.

- Napoleon Bonaparte

You need to know how to work around this system to save money in taxes.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

Bremer:
You got me wrong here dude. I am not in favor of gas price changing on daily basis ... so changing it twice daily is totally wrong. Oil barrel changes everyday, but not to an extent where oil companies were changing the price 10 cents for gas during the day time vs night time. They were wrong. Even at that time, there was no competition as both gas stations on one intersection had same freaking price for the gas. Not those two gas stations alone on the intersection, but all gas stations in Toronto had same price during day time. That is not how competition works. Oil companies were just playing with consumers who missed to fillup gas at night time, so they would fill up 10 cents higher in the day time. That is totally ridiculous!

I am not saying things are not right in Canada, there are many things which our politicians and government are doing are amazing ... but that's not the point ... here we are criticizing on the things they aren't doing right, so that we can have them improve upon things. The important question is HOW?

We need to find the answer ... but one thing is for sure ... we can't do anything by just ranting or writing on forums, etc. It will need some unity amongst the common man in Ontario and/or Canada ... because we - common man/woman have common problems/issues, and have common agenda to protect the rights on consumers ...

Next question is ... how can we unite? I have no answer for it yet

Rino, i don't think people will unite and create some sort of force to make significant changes. And I will tell you why, LIFE IS DAMN GOOD IN CANADA. It takes much more than that to make masses move. If I will tell you, Ok guys lets go out there and block 401 for a week to show how angry we are, how many people do you think will risk their job stability to do it? Things really need to get hard for people to make an action. When I was back in college and every student complained about car insurance being too high, I told them :"Let’s go to the streets, block Trafalgar with our cars and protest for a few days" No one would even do that, because :"they will impound our cars,...... we will get a ticket.... we might get kicked out of school....."

So once we have tough times we might get some real deal, until that nothing will happen, and that’s unfortunate.

We should make the government understand that they are working for US and not US working for them.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

And here goes another one:

http://www.theglobeandmail.com/news/nat ... le1330864/

So now we will pay more to get less.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

MBroker:
I know exactly what you are saying ... and I agree with you 100% on it as well. I understand that people won't come out on streets, etc, which I don't think is necessary yet either ... as we are peace loving country and residents, and I really appreciate that fact. I don't want to disturb the peace.

I think there are other ways which can force politicians to help us out ... for example, if all Ontarians ... or majority of them ... would write to their MPs and MPPs telling them the issues we have, or sign petitions against the bills/tax increases, etc, or show unity by voicing our concerns in media together ... it might stir some pots within the cabinet and they'll know that people of Ontario/Canada are no longer going to take their **** and will action against them. All we have to let them know (somehow) that if we can elect them, we can vote against them in next elections as well.

Writting petitions, etc works best just before the elections time, because contestants will them align (or try to align) their agendas with people's wishes ... and if they fail to deliver ... we should blindly elect them again and again ...

I am totally against breaking the peace ... but as I said there are many things, which can be done peacefully, and those are the best and effective ones

I hope I made some sense

I definitely agree that we have to take piecefull steps before anything else. So maybe we have to come up together with a petition, and make out friends and everyone else to sign it and send it in. We will have to inform news about this petition so other people will be aware as well. I think this is not a bad idea for a starters.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

Are you talking about multi level marketing? Pyramid scams?

I do talk about multilevel marketing, but not Pyramid scams. If you will read my post, I said you must find a good MLM business. Not every MLM is a Scam, there is a company that been approved by the USA government and I was watching it growing, and it is not scam at all. But as you can see I was not trying to sign anyone up, I just gave a little example how easy it is to save on tax. So do you care if you have to pay 100 dollars a month and buying product that actually works, if you are getting 3500 in the end of the year?

I will tell you how and why I was introduced to it, so none will have an idea of me trying to sign anyone up. My story is very simple. My grandmother who lives in Ukraine had cancer 2 years ago and we been trying to help her by building her immune system and help her to recover after the operation. We spent thousands of dollars on various vitamins and supplements.
My father helps people and small businesses with taxes, so we sent a flyer out last year, and many of you probably received it as well. Once, a lady called me and needed some tax help. After getting to know her I inquired what sort of business is she into. So she told me, her company produces natural product that contains antioxidants and helps people fight various diseases. So I told my mother about it and being an open minded people we went to learn what it is all about in hope that we can help my grandma.

Anyways, to make this story short, we were introduced to MLM. Being aware of various bad experiences (trust me I've seen enough of them back home) we started to do the research on the product, and realized that the fruit that they use, is an amazing antioxidant. So we decided to buy it and send to Ukraine. At this point we were not even thinking about any tax benefits or anything like that. Simple desire to make grandmother healthy was our drive.

Anyways, after completing a tax return, my dad called me to the office and told me. Look how simple she saves on taxes. I looked into it and funny thing is, that worked, she was running a little back office on her computer, and did not do anything illegal to hide taxes but she could deduct all her everyday fixed and variable expenses.
That’s why I mentioned a simple way of saving on taxes. So you can believe or not, it’s your judgment call.
If you are interested to learn a bit more, give me a shout, I’m in Milton, stop by one afternoon I’ll make you some good green tea that we buy from Russian store and my dad can show you his chart. By the way, my dad is Canadian, lived in Milton for last 35 years and been involved in real estate and finance industry for past 25 years. So he knows his stuff about finance and pyramid scams. We also known well in Milton business community and we would not “screw” around with some useless crap.
My Grandmother is doing pretty well, she has been taking the Juice as a supplement for a year, and we are waiting for the documents to arrive to bring them over.
Did this Juice help her, I believe so, and she believes so and that’s all I care about. She been taking other supplements as well. The most important she is fine.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

Also, I would like to add. We are not doing MLM for a living, I just shared my personal experience with all of you.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com

Getting Juiced?
http://www.cbc.ca/marketplace/2007/01/goji.html

The idea about running “the home office” is very popular among some recent immigrants I knew.
They told me many times: “why you are not running this kind of company? You’ll be able to deduct from your taxes almost everything.
Just tell them you are writing the book or sell something”.

I just saw an interesting statistic today from the 2006 Census. Well, technically, a report complied by TD Bank Financial Group using data from the 2006 Census:

Median Income for those with at least a Bachelor's degree: $56,048
Median Income for those with a high school degree only: $37,403

So, yeah, I stand by my statement. If you are making more than $100,000 and you are crying poor, then you have no concept of what the reality is for most people living in this country.



I agree, but governments like to provide "tax incentives" to special interest groups. Your policy would remove the most powerful political tool that governments have at their disposal. Clearly, that is a good thing, but just as clearly, no government will give up such a power.

Not this Juice at all. I just give my opinion about tax savings. And I would never promote something I would not believe or not seen working myself. I run my business and I know finances. I'm not sitting here talking about millions or thousands that you will make within next 18 month, because this is highly impossible. Also, I hate to see people being scammed and would do anything to prevent that. This is my model in a Mortgage business and that’s why I'm being successful. If you ask people who I dealt with, they will tell you that I won't stop talking until I explain in a simple language why are we doing something. Honesty is the best policy. That’s why I share my experience with others and I don't have anything to hide. Do you really think I would put my name on the line to promote something that would hurt other people?
I only approach from financial side. If you are working for someone, your model is: pay taxes first and then spend money. By becoming self employed with "reasonable expectation to make money" you can write off your expenses. This way you turn this model upside down. I just showed everyone another way to save money. That’s all, so please don't think that I'm trying to sell you some product, because I don't. My business is Mortgages and Real Estate Investment, nothing else. I invite people not to promote the product or whatever, but to show a tax saving chart. I would suggest them a company to consider that I believe is a good choice and I have nothing to gain or lose from it.
The reason why immigrants are so eager about these types of businesses is because they made a HUGE step to move to another country and they don’t afraid to try something new. The problems that I see with immigrants are the tax people that they dealt with. They don’t explain that you should make some money or CRA will be after you. I’ve seen so many people being scammed by niche accountants telling them to ride their business on constant loses and to write everything off.
They tell, buy you booze and then write it off as a gift or entertainment. How do you think does it look when some guy writes off liters of beer as a gift? When they should recommend buying a gift cards at LCBO and now you have a 100% tax deductable valid gift or promotion. I can go on and on about it. In this country you should know LAW and Tax System. I spent hours learning about Tax system in Canada. Even went out and took a course with H&R block back in college.
Network business does help in receiving tax refunds at the end of the year. I’m not talking about huge savings. We took average income of 60k a year, deducted possible fixed and variable everyday expenses that are business related. So we received extra 3500 dollars back in taxes. Now we added a cost of running the business, which was around 2000 – 2400 dollars a year. So you are saving around 1000 – 1500 dollars in taxes. So you can go take a vacation with this money. We ran these numbers through the tax preparation program that we use called “Profile”. So now you know that I’m not making something up.
I analyze every single bit of information that comes to me, before I make any comment. So I can back up each single point that I make with actual data that I can demonstrate to anyone. Everyone has access to the same tools so you can go and do the research yourself.

_________________
Dmitri Ivanov
Mortgage Broker
Lic # M09000265
Office: 905 876 4751
Cell: 905 691 6706
Fax: 905 693 1858
email: dmitri.ivanov@migroup.ca
www.home-mortgage-advice.com