647-825-4243 Tax.Nehal@gmail.com
Gold bars and coins on one side and a glowing Bitcoin coin on the other, illustrating the contrast between physical gold and digital Bitcoin as stores of value

Gold vs Bitcoin: History, Present Reality, and the Future of Value

8 January 2026 TAX4 LESS.CA
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Crypto, Finance, Individual

For thousands of years, humans have sought the answer to a timeless question: How do I store value safely over time? As we navigate the evolution from barter to modern currencies, two “hard” assets stand out: Gold, the ancient physical store of value, and Bitcoin, the pioneering digital scarcity. This article delves into their histories, current roles, and potential futures, exploring whether either could ever become worthless. Join us as we uncover the fascinating dynamics between these two forms of value and what they mean for our financial future.

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Canadian taxpayer worried about CRA tax debt with past-due notices, calculator showing ‘TAX DEBT’, and Tax4Less.ca advisor offering professional help to reduce CRA owing

How to Make My CRA Owing Go Away- there’s no statute of limitations

4 January 2026 TAX4 LESS.CA
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Finance, Individual, Tax credits and benefits for individuals

If you owe money to the CRA, you might think time is on your side, but that’s a dangerous misconception. In Canada, there’s technically a 10-year limitation period for collection, but your debt doesn’t just disappear. Ignoring it or waiting it out can lead to mounting interest, penalties, and stress. Discover the truth about CRA tax owing, the real implications of the statute of limitations, and the specific circumstances under which CRA debt can be written off. Learn how Tax4Less.ca can help you navigate this complex situation and find a legal path to resolution.

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Canada Child Benefit for temporary foreign workers showing Canadian flag, children, coins, piggy bank, and calendar representing financial support and timing of benefits.

How Temporary Foreign Workers Can Claim Canada Child Benefit (CCB)

2 January 2026 TAX4 LESS.CA
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Finance, Individual, Tax credits and benefits for individuals

Are you a temporary foreign worker in Canada wondering if you qualify for the Canada Child Benefit (CCB)? This financial support can provide you with monthly tax-free payments to help with the costs of raising your children. In our comprehensive guide, we break down the eligibility requirements, application process, and how to maximize your benefits. Learn how Tax4Less can simplify your application and ensure you receive the full support you deserve. Don’t miss out on this opportunity to ease your financial burden—read on to discover how you can claim the CCB today!

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Personal Real Estate Corporation (PREC) guide for Ontario REALTORS explaining what a PREC can and cannot do, naming rules, tax benefits, and compliance requirements

PREC for REALTORS® in Ontario: What You Can (and Cannot) Do — and How to Set It Up Properly

21 December 2025 TAX4 LESS.CA
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Finance, Incorporation, Individual, Uncategorized

Are you an Ontario REALTOR® looking to maximize your income and navigate the complexities of Personal Real Estate Corporations (PRECs)? With rising tax rates and strict regulations, understanding what a PREC can and cannot do is crucial. From tax advantages to naming rules, our comprehensive guide covers everything you need to know to set up your PREC properly. Avoid costly mistakes that could lead to penalties or lost tax benefits. Discover how TAX4LESS.CA specializes in creating tailored solutions for REALTORS® like you, ensuring your PREC is structured for success. Don’t leave your financial future to chance—read on!

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Illustration showing common crypto and DeFi tax traps for Canadians in 2025, including taxable bridging, staking rewards, wallet-to-wallet misconceptions, lost crypto assets, and CRA audit risk

Crypto & DeFi Tax Traps Canadians Are Still Falling for

19 December 2025 TAX4 LESS.CA
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Business Tax-Individual, Corporations Business Tax, Crypto, Finance, GST/HST

Crypto taxation in Canada has evolved, yet many taxpayers remain unaware of the complexities involved. In 2025, the Canada Revenue Agency (CRA) is focusing on how crypto is used, exposing Canadians to costly tax traps. Misunderstandings around bridging tokens, staking rewards, and wallet transfers can lead to significant penalties. Beliefs like “no cash out = no tax” are increasingly risky. This article reveals the most common pitfalls and how to navigate them, ensuring you stay compliant and avoid audits. Don’t let misconceptions cost you—understand the nuances of DeFi taxation today!

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Ontario pre-construction condo illustration showing legal exit options for buyers, including builder breach of contract, PDI issues, outside occupancy dates, and when to consult a lawyer

Pre-Construction Condo Market in Ontario (2025):

17 December 2025 TAX4 LESS.CA
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Business Tax-Individual, Finance, Individual, Payroll

Navigating the Ontario pre-construction condo market can be daunting, especially with rising interest rates and extended delays. Many buyers are left wondering if they can exit their agreements without facing penalties. This article uncovers the legal avenues available to buyers, highlighting common builder mistakes that can create opportunities for termination. From understanding the critical Statement of Critical Dates to knowing when to involve a lawyer, we provide essential insights to empower buyers. Don’t let unexpected challenges derail your investment—discover how to protect your rights and financial interests in this shifting landscape.

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Infographic explaining that Super Visa holders in Canada cannot work without a work permit and may need to file taxes if they have lived in Canada for over 183 days and have strong residential ties.

Can a Super Visa Holder Earn Income in Canada?

8 October 2025 TAX4 LESS.CA
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Finance, Individual

Are you a Super Visa holder wondering about your ability to earn income while enjoying your stay in Canada? The Super Visa program offers a unique opportunity for parents and grandparents of Canadian citizens and permanent residents to visit for extended periods. However, many are curious about the rules surrounding employment and income generation during their stay. In this article, we’ll explore the ins and outs of working as a Super Visa holder, including the legalities, potential job opportunities, and tips for navigating the Canadian job market. Discover how you can make the most of your time in this beautiful country!

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Infographic illustrating business cost savings with a central dollar sign surrounded by green arrows and icons of charts, a calculator, and financial documents, symbolizing profit growth and expense reduction

Cost Savings: The Direct Route to a Stronger Bottom Line

6 October 2025 TAX4 LESS.CA
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Business Tax-Individual, Finance, Incorporation

Every business is on a quest for profit, but the unsung hero of sustainable profitability is cost control. Did you know that trimming unnecessary software subscriptions can boost your bottom line significantly? Subscription creep can quietly drain your resources, leading to profit leakage. Imagine saving $10,000 a year — that’s the equivalent of generating an extra $100,000 in sales without any additional effort! Discover how smarter software choices can lead to permanent cost savings and a stronger financial future. Ready to stop the leaks and protect your profits? Dive into our guide on maximizing cost savings today!

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Withdrawals, Transfers, and Penalties: How and When You Can Access RRSP, LIRA, DCPP, LIF, RRIF, and Other Canadian Retirement Plans

Withdrawals, Transfers, and Penalties: How and When You Can Access RRSP, LIRA, DCPP, LIF, RRIF, and Other Canadian Retirement Plans

30 July 2025 TAX4 LESS.CA
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Finance, Individual

Are you wondering how and when you can access your Canadian retirement savings? Whether you have an RRSP, LIRA, or RRIF, understanding the rules around withdrawals is crucial. From tax implications to special programs like the Home Buyers’ Plan and Lifelong Learning Plan, this guide breaks down everything you need to know. Discover the flexibility of your plan type, the impact of your age or residency, and the potential penalties for early withdrawals. Don’t let confusion hold you back—learn how to navigate your retirement funds effectively and avoid costly mistakes!

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A digital infographic titled "Registered Savings Plans in Canada" shows five colorful blocks labeled RRSP, LIRA, DCPP, DPSP, and EPSP, each with a short description of the plan type below. A smiling person in a blazer is seated on the right, holding a paper with a dollar sign, symbolizing financial planning. The background is beige with a clean, professional layout

Understanding Canada’s Retirement and Savings Plans: RRSP, LIRA, DCPP, DPSP, and EPSP

29 July 2025 TAX4 LESS.CA
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Finance, Individual

Planning for your financial future in Canada can feel overwhelming with the variety of registered savings plans available. From the Registered Retirement Savings Plan (RRSP) to the Locked-In Retirement Account (LIRA), each option offers unique benefits and tax advantages. Whether you're saving for retirement, changing jobs, or navigating profit-sharing benefits, understanding these plans is crucial. Discover how they work together and which one might be right for you. Dive into our comprehensive guide to unlock the secrets of RRSP, LIRA, DCPP, DPSP, and EPSP, and take the first step toward a secure financial future!

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