Search This Blog

Loading...

Monday, March 18, 2013

Online Shopping for clothes

I used to shop at Amazon and Chapters for books and other things. But I my sister does most of her clothes shopping and her kids shopping online. Recently I started online purchasing for clothes at Land’s end.  Initially I was bit nervous about sizes and quality but so far happy with the casual clothes purchases.  During November – December they had 30% off and free shipping and I was able to buy fleece tops for $10.00 and no tax or duty or shipping charges.   If you are purchasing anything less than $20.00, there will be no duty or sales tax but usually shipping charge will apply.

They have online chat line in case you have question about sizes and the online reviews are also helpful. Once your order, if they have it in stock you will get it in 3-4 days. They also adjust the length or make cuff for free.
Time to time they email discount coupons for 30% off or 40% off. Recently I bought ski jacket with 30% coupon and it is pretty good deal.  If you are not satisfied with the purchase you can return it but there will be shipping cost of $7.95 but if the product is defective they will waive shipping charge. I have done around 10 purchases in the last 4 months and only one I returned because the size was not what they indicated. You can also get rebate by going through rebates sites (Great Canadian Rebates, Red Flags Deals or ebates)
All the billing will be done in US dollars. I use amazon.ca rewards visa which provides good exchange rate without additional charge.

Wednesday, January 23, 2013

CRA treated you unfairly – What is your option?

Spring = Tax Headache
Spring = Tax Headache (Photo credit: Canadian Pacific)

Have you ever had a situation where CRA treated you unfairly?  Dealing with CRA can be very intimidating experience and you did not know that you had another option for better resolution. It is Taxpayers’ Ombudsman.
The Taxpayers' Ombudsman is an independent and impartial officer who reviews complaints from people who believe they have been treated unfairly or unprofessionally by the Canada Revenue Agency.
As a tax payer you have following eight basic rights that are included in the Tax Payer Bill of Rights.
·         the right to be treated professionally, courteously, and fairly (Taxpayer Bill of Rights, Article 5);
·         the right to complete, accurate, clear, and timely information from the CRA (Taxpayer Bill of Rights, Article 6);
·         the right to lodge a service complaint and to be provided with an explanation of the CRA findings (Taxpayer Bill of Rights, Article 9);
·         the right to have the costs of compliance taken into account when tax legislation is administered (Taxpayer Bill of Rights, Article 10);
·         the right to expect the CRA to be accountable (Taxpayer Bill of Rights, Article 11);
·         the right to expect the CRA to publish service standards and report annually (Taxpayer Bill of Rights, Article 13);
·         the right to expect the CRA to warn you about questionable tax schemes in a timely manner (Taxpayer Bill of Rights, Article 14); and
·         the right to be represented by a person of your choice (Taxpayer Bill of Rights, Article 15).
It is Taxpayer’s Ombudsman’s responsibility to ensure CRA actually complies with these basic rights. 
Before you file a service-related complaint with the Taxpayers' Ombudsman, follow these steps:
1.    Try to resolve the issue with the Canada Revenue Agency (CRA) employee you have been dealing with or phone the number you've been given.
2.    If you are not satisfied, speak with the employee's supervisor.
3.    If you are still not satisfied with the way your issue is being handled, complete Form RC193, Service-Related Complaint to file a formal complaint. For more information, visit CRA – Service Complaints.
Submit a complaint
If you are not satisfied with the way your service-related complaint was handled by the CRA, submit the details of your complaint to the Taxpayers' Ombudsman using the Taxpayers' Ombudsman - Complaint Form.
Print your complete complaint form and send it along with any supporting documentation by fax to 1-866-586-3855 or by mail to:
Office of the Taxpayers' Ombudsman
50 O'Connor Street, Suite 724
Ottawa ON K1P 6L2
Canada

Enhanced by Zemanta

Tuesday, January 15, 2013

RRSP contribution refund calculator 2012


The refund one would get will depend on the marginal tax rate of that person. But it is not a simple answer as the marginal tax rate will go down when your income less. Therefore you may get less refund.

Here is a calculator by Ernest & Young that can calculate the RRSP refund (please note this is an approximate number).

If you need actual number you need to do the tax return for both scenarios (without RRSP contribution and with RRSP contribution)

Please note the deadline for RRSP contribution for 2012 is March 1st 2013.
Enhanced by Zemanta

Friday, January 11, 2013

Cash rebate for online purchases for Canadians

Ebates at Blissdom 2012-2127
Ebates at Blissdom 2012-2127 (Photo credit: BlissDom 2012)
Do you go through cash rebate sites to earn rebate on your online purchases?  It is pretty easy, you go through the cash rebate site to your online purchase site (provided your online purchase site offers rebate via cash rebate site) and do your purchase as usual.  Your rebate will show in cash rebate site in few days or sometimes in few weeks.  Once you reach the threshold amount, you can request a cheque or request to transfer to your pay pal account. The rebate percentage varies from merchant to merchant.

It is great savings for those who do lot of online shopping.  I thought it is common knowledge until I found that my sister who does lot of online purchases was not aware it.
To register for rebates sites please click on the links below.


I have been using Great Canadian Rebates for few years and it is a great site. I have good experience with them except one instance where I was not paid for a rebate for applying American express ($20 rebate). Great Canadian Rebates blamed American Express indicating their tracking system is not accurate but in my view both are at fault. If they don’t have good system to track don’t offer it.  Other than that all my rebates over the last two years were posted correctly and they are very prompt in responding to questions.

I have not used the cash rebate option of RedFlagDeals and Ebates. Great Canadian Rebates and Ebates also provide you referral bonus if you refer others but I could not see any referral link in the Red Flag deals.  The sites also announce special bonus rebates time to time with increased dollar amount or percentage of the rebate.  Ensure to read the fine print clearly before you do the purchase the site may provide rebate based on type of purchase. For example, Gift cards may earn different rebate rate than the product purchase).
Enhanced by Zemanta