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Thursday, 16 January 2014

How Will You React If 100% Of Your Retirement Plan Distributions Go To Tax - When Common Sense Fails

By Frank Miller


If you are a Canadian and a non-resident of the United States and you gamble at U.S. based casinos, chances are you have paid, or will eventually pay the Internal Service's dreaded casino gambling tax. Like almost all other taxes, the gambling tax is levied on income. In the case of the casino gambling tax, the taxable income stems from United States based gambling wins.

The problem comes when they have to deal with the taxes they have to pay to the government at the end of the year. The laws completely transform for them when they step into this dominion. They need to have professional Accountants for contractors to show them the right way.

A new meeting point for both the parties came into existence where professionals get to work on contractual bases for different organization. The cost of getting work done by professionals is cut down drastically for the organization, and people are still able to make a living. Many people tend to shift over to this side because they find this medium much more viable for them. Some highly qualified professionals tend to make more money than they used to in their day job. This has allured many people to make a transition as a freelancer, and have a taste of working outside the corporate box.

These couples live comfortably on the pension and Social Security retirement benefit, therefore each has decided to use IRA distributions for the sole purpose of paying property taxes. The income tax consequence of the distribution needs to be determined and paid. Since each of the taxpayers is in the 15% tax bracket, a simple calculation of the distribution divided by 0.85 should be all it takes to yield the gross distribution required. Yet because of the provisional income test and the lack of itemized deductions, this calculation is anything but simple. We have determined the percentage of federal tax on the distribution is 21.5%, 24.6%, 25.7%, and 26.2% respectively even though none exceeded the 15% bracket even after the distribution. Minnesota has a top tax bracket of 7.85% yet the rate on the distribution is 8.1%, 9%, 9.3% and 9.9% without the proposed increase to state taxes.

When Canadian gamblers approach the IRS and attempt to apply for a U.S. casino tax rebate, the IRS will generally ask the Canadians to submit their ORIGINAL passports, and will keep the passport for at least 6 weeks. This is done ostensibly to find proof of identity. It also serves to make things so incredibly inconvenient and unreasonable for the Canadian gamblers, the Canadian gamblers almost inevitably give up on their attempts to obtain a U.S. casino tax rebate, thus also allowing the IRS to keep the Canadian gambler's casino gambling tax. .

The biggest problem come comes up working as a sole trader is that your personal assets become liable if you are facing a lawsuit. If a contractor is not aware of this fact then they could lead themselves towards bankruptcy. There are other options available to them which empower them to a certain degree. They can create their own limited company which acts as a barrier from unlimited liability, and cut down the taxes they have to pay at the end of the year.




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