Flood fight hits $750M as tax relief offered

The provincial government is improving compensation for flooded-out Manitobans — including paying property taxes for some of them — adding to a mounting flood-fighting bill that has already topped half a billion dollars.

Premier Greg Selinger announced a few changes to his government’s flood compensation program Monday, including raising the maximum amount for disaster assistance claims by up to $70,000 per property in some cases, and offering to pay the balance of this year’s municipal and school taxes for up to 3,800 people whose properties were damaged or destroyed by flooding.

Selinger said the cost of flood fighting, mitigation efforts and compensation for damage is now expected to be upwards of $550 million province wide for 2011’s flood. That figure doesn’t include a bailout package worth up to $194 million for the agricultural sector, which was announced last week.

Flood fighting, compensation and mitigation work — including more than $600 million spent expanding the Red River Floodway — totalled about $1 billion for the 1997 flood.

“There are extraordinary costs that come with extraordinary flooding,” Selinger said.

‘Extraordinary costs’

The government has already been running deficits for a couple of years, and the premier admitted a hit of several hundred million dollars is sure to cause some difficulty at budget time.

“There’s no question this was not in the plan, but you can’t make reality adapt to the plan,” Selinger said, pledging that the flood spending will not change his government’s pledge of getting out of deficit by 2014.

“Our commitment is to return to balance within the five-year plan and we’re not wavering from that commitment,” he said.

Selinger said the province will cover the pro-rated property taxes of some homeowners and cottagers from the time the flood hit the property in question until the end of 2011.

“The municipalities will tell us which properties they think deserve relief,” he said.

It’s expected those properties whose value has been affected by flooding will be eligible, according to government officials.

The province will pay the money directly to municipalities on behalf of the property owners, and expects the program to cost about $2.3 million.

The province will also be raising the ceiling for disaster financial assistance claims from $200,000 to $240,000 across Manitoba. For permanent homes in the Lake Manitoba area, the cap will rise from $200,000 to $270,000.

http://www.winnipegsun.com/2011/07/04/property-taxes-covered-for-3800-flooded-tobans

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Home ownership has its tax breaks





With spring comes the official launch of house hunting season. So, what better time to ensure that you are maximizing the tax benefits associated with home ownership, especially since the 2010 tax return filing deadline is fast approaching.

If you purchased a new home in 2010, don’t forget to claim the relatively new Home Buyers’ Tax Credit. Introduced in 2009, this non-refundable tax credit is based on a $5,000 amount for first-time homebuyers which, at the 15% federal credit rate, is worth $750.

Interestingly, you are considered a first-time homebuyer if neither you nor your spouse or partner owned and lived in another home in the calendar year of purchase or any of the four preceding calendar years. In other words, you could have owned a home previously, but if you sold it and then perhaps rented for four years or so, you still may qualify as a first-time homebuyer for the purpose of claiming the credit if you bought a home in 2010.

Did you use the Home Buyers’ Plan when purchasing your home? Under the HBP, a first-time homebuyer can withdraw up to $25,000 from her RRSP to purchase a home without having to pay tax on that withdrawal. Any funds withdrawn must be repaid over a maximum of 15 years or the amount not repaid in a year is added to the participant’s income for that year.

If you participated in the HBP previously and were required to make a repayment for 2010, be sure to designate a portion of your RRSP contributions as a HBP repayment on Schedule 7 of your personal tax return, under “PART B – Repayments under the HBP…”

You may also be able to get some tax relief from your property taxes, depending on your province of residence. Quebec provides a refund for property tax paid during the year, while both Ontario and Manitoba provide a tax credit for property tax or rent paid during the year.

Still have a mortgage? If so, have you considered whether you could restructure your financial affairs to make your mortgage interest effectively tax deductible?

If you have non-registered investments, consider selling them to pay off your mortgage (non-deductible debt) and then borrowing back the funds for investment purposes (tax-deductible debt). This allows you to effectively write off what otherwise would have been non-deductible personal mortgage interest.

This strategy has often be referred to as the “Singleton Shuffle,” because it was named after Vancouver lawyer John Singleton’s 2001 Supreme Court victory, which upheld the notion that you can rearrange your financial affairs in a tax-efficient manner so as to make your interest on investment loans tax-deductible.

Before doing so, be sure to consider any tax consequences of selling your non-registered investments along with any prepayment fees associated with paying off your mortgage early.

Finally, if you sold your home in 2010, the good news is that the gain is likely tax-free, provided you didn’t also own a second home.

The principal residence exemption (“PRE”), if available, can shelter the gain on a principal residence from capital gains tax. A principal residence can include either your main home or a vacation property, even if it’s not where you primarily live during the year as long as you “ordinarily inhabit” it at some point during the year.

The CRA assumes that if no gain is reported on your return for the year of sale, the PRE has been used to eliminate the gain and therefore, no other property (such as the vacation property) can be designated for the years in which the PRE was presumed to be claimed on the sold property.

As a result, a conscious decision should be made as to whether the gain should be reported, as failure to report jeopardizes claiming the PRE in the future on the sale of your other property for the years in which you owned both properties.

http://www.financialpost.com/personal-finance/Home+ownership+breaks/4584249/story.html

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Tax relief comes in the form of an increased credit



Manitobans will be saving an additional $16 million in taxes, thanks to a recent increase in the Education Property Tax Credit.

The bump, which sees the credit increasing from $650 to $700, was announced Thursday by Premier Greg Selinger. Homeowners will have the credit subtracted from their property tax bills starting this summer, while residential tenants will receive the increased benefits when they file their 2011 income tax returns.

“Our government is proud to meet our commitment to hard-working Manitoba families,” Selinger said in a recent news release, “We want to make life better for Manitobans and this tax credit will help keep our province affordable with benefits to over 293,000 homeowners and 128,000 tenants.”

http://www.globalwinnipeg.com/relief+comes+form+increased+credit/4537225/story.html

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Property Overassesed ? Realty Property Tax Appeal Services

Cuyahoga County had its regular property assessment in 2006. Many of us homeowners in Cuyahoga County were not happy with new property taxes. The timing was not perfect, as property tax increase came along with sub-prime crisis, growth of foreclosure rate and market price adjustment of 2007. Many homeowners notice that assessed value is much higher than possible market value of their homes. There is a way to reduce your taxes if you file a complaint with Cuyahoga County before the end of the day of March 31, 2008. You may find all the forms and information about the procedure at the web site of Cuyahoga County Board of Revision http://bor.cuyahogacounty.us/.

As we get a lot of inquiries from our clients regarding the market condition in their neighborhoods, we in Local-n-Global Realty decided to offer our clients and friends free Market snapshot services. Please go to the front page of www.Local-n-Global.com and fill in the Evaluate your house form. You will receive the most up-to-date information about house listings and sales in your neighborhood. If you see that your house is over-assessed in comparison with the market value of the similar houses in your community, you may go ahead and ask the County Auditor for tax relief based on real market condition in your area. Please do not hesitate to use this service. It is accurate. It is free. We are here to help you.

We want our communities to prosper, our schools to get stronger, and our neighborhoods to be better. We are responsible tax payers. BUT – if there is any mistake in you

http://realtorsvetlana.wordpress.com/2008/01/10/homeowner-in-cuyahoga-county-is-your-property-over-assessed/

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Property Overassed ? Realty Property Tax Appeal Services

Cuyahoga County had its regular property assessment in 2006. Many of us homeowners in Cuyahoga County were not happy with new property taxes. The timing was not perfect, as property tax increase came along with sub-prime crisis, growth of foreclosure rate and market price adjustment of 2007. Many homeowners notice that assessed value is much higher than possible market value of their homes. There is a way to reduce your taxes if you file a complaint with Cuyahoga County before the end of the day of March 31, 2008. You may find all the forms and information about the procedure at the web site of Cuyahoga County Board of Revision http://bor.cuyahogacounty.us/.

As we get a lot of inquiries from our clients regarding the market condition in their neighborhoods, we in Local-n-Global Realty decided to offer our clients and friends free Market snapshot services. Please go to the front page of www.Local-n-Global.com and fill in the Evaluate your house form. You will receive the most up-to-date information about house listings and sales in your neighborhood. If you see that your house is over-assessed in comparison with the market value of the similar houses in your community, you may go ahead and ask the County Auditor for tax relief based on real market condition in your area. Please do not hesitate to use this service. It is accurate. It is free. We are here to help you.

Are your property taxes too high ?
Commercial / Business / Residential / Assessment Appeals
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We want our communities to prosper, our schools to get stronger, and our neighborhoods to be better. We are responsible tax payers. BUT – if there is any mistake in you

http://realtorsvetlana.wordpress.com/2008/01/10/homeowner-in-cuyahoga-county-is-your-property-over-assessed/

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