被查税

我一向以为被查税的都是毛阿敏阿姨这样的大腕,结果刚离开枫叶国没几天,就收到税务局的查税信,要补交2011年在免税储蓄账户TSFA上面的罚款200刀。

简单介绍一下这个TFSA账户。加拿大居民每年都可以存5000刀到免税账户。这个账户里产生的所有额外收入(包括利息和股票收益),都是免税的。所以对于加拿大这个万税万税万万税的国家来说,这已经算是不错的福利了。

但是这个账户也有比较莫名其妙的规定,比如每年5000刀是按存入的总量来算,而不是按账户里的存量来算。比如1月存了5000刀,2月取了4000刀,3月存入4000刀。看起来余额是没有超过5000的,但是这样已经犯规了。因为在税务局看来,你已经存了9000刀,至于你取不取,剩多少,他们是不管的。

我11年中枪,也是那时候糊里糊涂做过几次转账动作造成的。没存什么钱,就被罚200刀,是因为罚款的力度很大——多存的额度每个月都会收1%的利息税。我去网上搜了一下,发现群众哭成一片,光10年6月就有72000人中枪。像我这样要罚200刀的已经算毛毛雨,大的还有罚几千的……受众太多,总数太大,以至于政府自己都说你可以写信先抗辩,然后再决定要不要罚款。

所以我就花了3小时写了一封抗辩信,基本上就是说我误解了“总量”和“存量”的区别,不应该就我一个人负责。银行没尽责解释,政府没尽责解释,大家都有错……写信的时候,觉得自己已经是在拼命推卸责任了。写完看了若干人的大作,觉得跟他们相比,我写的实在是太……朴素了。

无图无真相,列一段别人的大作出来瞻仰一下:

I cannot afford to pay a $500 penalty for a misunderstanding. The penalty is 10% of my total investment for 2009, which is a huge percentage especially when you consider the penalty would be paid with after tax dollars.

I feel this penalty is unfair and takes advantage of a technicality.

My papers show a withdrawal of $5,000 on March 24th 2009, and a redeposit on March 26th, 2009. It took two days for the transaction to process. It would have taken the same amount of time to do a bank-to-bank transfer.

I am not sure why this TFSA rule is in place, but I am sure that the rule was not intended to punish or take advantage of people who made the mistake I did.

You can forgive the misunderstanding, or based on timing you may consider my withdrawal and deposit a “qualified transfer”, or you can understand that the program is new and the rules need to be a little clearer, or you can be lenient with me based on compassionate grounds.

In the name of fairness and humanity, please forgive this penalty which I feel is cruel and unjust.

写到后面,简直是字字椎心泣血,行行血泪控诉,无所不用其极……地推卸责任啊。

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