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Given the poker stats therein, Hans, it would certainly appear that there's room for a new CMA competitor, PMA (:
Then again, check out this gambling story. The Austalian Tax Office tried to get the mind boggling sum of 541 million dollars from Tasmania's David Walsh on his gambling profits.
Is that story for real? (It could be a great fiction story). Im happy to have the simple life of chess. Im willing to bet the taxman will never get the money.
Is that story for real? (It could be a great fiction story). Im happy to have the simple life of chess. Im willing to bet the taxman will never get the money.
"Great fiction" that is lovely non-fiction, Hans. Google David Walsh's name and you'll get plenty of confirmation. And here's another interesting link:
I thought my numbers were mildly pessimistic. Speaking for myself, most of my students are in the US. Okay, I only teach online now but even when I lived in Ottawa, fewer than half of my students played in CFC tournaments. About 10% didn't play in tournaments at all!
Consider that experienced CMA teachers get roughly $50/lesson when they go to schools. It wouldn't take a great deal of work to make $10K on just that in a year. And one can easily pick up new students if you do a good job in the classes and chat with the parents. I don't know what the average Toronto teacher charges but I would be surprised if it were less than $40/hr for private lessons. If some experienced CMA teacher from the GTA would like to correct me, I am open to changing my estimate.
Hi Tom,
I would say that there are about 50 chess teachers who earn over $40,000 a year in Canada. Most stay below the radar...and yes the GTA has a high number in this category.
I admire them.
This is a tough profession.
They have to put their heart and soul into what they do...plus lots of hours...and if they are sick...no money comes in.
On the otherhand...a significant percentage of their income is not reported...so $40,000 easily becomes $60,000 in the real world :). For the record...I am not condoning this practice.
In actual fact if they kept good records of their work related expenses..they would probably be able to write off a significant part of their revenues...but most do not....they take the easy road...declare less and report lower expenses than what they incur....they are generally not very good bookeepers :)
It is kinda like an employee I had who charged me for shrimps he bought at Costco when he went for stuff for CMA...when we brought this to his attention he said...well Larry...I don't charge you for gas! I told him...in the future charge me for gas with receipts please) ...and pay for your shrimps yourself :)
I would say that there are about 50 chess teachers who earn over $40,000 a year in Canada. Most stay below the radar...and yes the GTA has a high number in this category.
I admire them.
This is a tough profession.
They have to put their heart and soul into what they do...plus lots of hours...and if they are sick...no money comes in.
On the otherhand...a significant percentage of their income is not reported...so $40,000 easily becomes $60,000 in the real world :). For the record...I am not condoning this practice.
In actual fact if they kept good records of their work related expenses..they would probably be able to write off a significant part of their revenues...but most do not....they take the easy road...declare less and report lower expenses than what they incur....they are generally not very good bookeepers :)
It is kinda like an employee I had who charged me for shrimps he bought at Costco when he went for stuff for CMA...when we brought this to his attention he said...well Larry...I don't charge you for gas! I told him...in the future charge me for gas with receipts please) ...and pay for your shrimps yourself :)
Larry
That's nice that you admire them. Will you still admire them when they have no pension because they have never contributed to CPP? My prediction is they will end up living off a tax system they never put their share into, through ODSP and OAS. No wonder the government moved the OAS age to 67. Interesting that you can see the issue when it involves shrimp being paid for out of your own pocket but can't see the issue of Canada going down the tax evasion path ala Greece and Italy. How's Greece doing these days? FYI, if you are reimbursing someone for their car use there is an amount set out in the Income Tax Act. You know that act, the one that is being evaded. Oh and in case you care the mileage reimbursement does not include the mileage to get to work or back home.
Last edited by Zeljko Kitich; Saturday, 9th February, 2013, 06:51 PM.
That's nice that you admire them. Will you still admire them when they have no pension because they have never contributed to CPP? My prediction is they will end up living off a tax system they never put any money into, through ODSP and OAS.
Hi Jerry:
That is a problem for the self-employed and independent contractors, isn't it?
Don't they have the option of " Opting In " and paying the premiums? But isn't it the case that few exercise that option? - they feel they would do better to put it into their own RRSP ( equivalent fo a CPP retirement pension ). But then few do because they end up strapped for $$.
Bob A
Last edited by Bob Armstrong; Saturday, 9th February, 2013, 06:51 PM.
That is a problem for the self-employed and independent contractors, isn't it?
Don't they have the option of " Opting In " and paying the premiums? But isn't it the case that few exercise that option? - they feel they would do better to put it into their own RRSP ( equivalent fo a CPP retirement pension ). But then few do because they end up strapped for $$.
Bob A
Actually Bob if you are a tax evader and don't report your income to CRA there is no basis for you to contribute to CPP or an RSP. Zero reported income means zero contribution calculation. You also can't apply for a loan or mortgage because you have no acceptable proof of income for a bank. Once you decide to go outlaw you cut yourself out of the normal financial system. Maybe try to the loan shark down the street. Although I'm not completely sure I also seem to remember that if you get into a car accident you lose out on income replacement.
Of course once you start down this road there is also the temptation to try to get public housing or other subsidies because you can claim to have no income. With such long waiting lists for public housing it would be a shame if someone tax evaded themselves into a spot ahead of someone who is honest about their income.
Contributing to your own RSP instead of CPP is the difference between a defined contribution plan and a defined benefit plan. Most people do not want to take their chances on a defined contribution plan because to quote Forest Gump you never know what you are going to get. Most people prefer a defined benefit plan where they know what they are going to get.
As an aside someone with a company pension cannot put that much away in an RSP because the pension contribution limit includes both money put into a company plan by them and their employer and their RSP contribution. Otherwise the system would greatly favour those with a company pension if they could put as much into an RSP as someone without a plan and enjoy both a maximum RSP and a company pension on top of that.
Last edited by Zeljko Kitich; Saturday, 9th February, 2013, 07:08 PM.
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