Money and Women by Suzie Orman - from the Oprah Show - FRED SNYDER SHOW 'it'S your money - Sunday on 600 AM www.600am.com CHBD -


Dear Mr. Ingram:

I just want to thank you for passing along the information regarding this
book "Money & Women, by Suze Orman". I have printed it off in book form on
8 1/2 x 11 paper and put it into a binder. It leaves enough room on the
pages to make notes and to attach tabs to the areas I will need to quickly
find again.  I've spent the last couple of nights reading it through with
the intention of going back and starting over and following the suggestions
that apply, step by step. Wish me luck. My eyes are failing and my memory
only lasts a short time but I'm determined to get done those things that are
necessary to make life easier for those I love. 

I fortunately am not in the dire straits with regard to credit cards and
debts that she covers, but there are many suggestions regarding those cards,
investments types, wills and trusts that she has covered in sentences that I
can comprehend. Usually when I look at that type of information my eyes
glaze over and after re-reading it, I put it down, never to pick it up again
until the next time I feel I must, perhaps years, when I again repeat the
same process.  But I also want to say that even though she is explaining US
rules regarding IRAs, etc. much of the material is useful to Canadians and
especially those, like myself, who have spent a good deal of time in the US
and are now trying to muddle through the consequences of lack of attention. 
 
I have passed the book on to my daughter and daughter-in-law and expect that
their respective husbands will also read and make use of the information she has so thoughtfully provided. Both my children live and work in the states
and are of an age where this information if applied may change their lives
advantageously. 

Again, thank you for your alert.

xxxxx xxxx

(Elderly widow's mother etc.)
----------------------------------------------
Do not thank me, thank Suzie and Oprah.

However, you should not pass the book pdf file on to others - that is violating the copyright. There was a time limit on the downloads when anyone who knew about it could get it for free.  I took 27 trys to get it downloaded so i sent it out with the download instructions with time for the receivers to download it.  I saved their server a lot of wear and tear by sending a copy but should have made the point that it should not have been further copied although your sending the download instructions and maybe even the copy would have been fine if before the cut-off time.  Technically, I likely should not have included the actual copy, just the instructions on how to get it.  Oprah and Suzy were quite clear that the actual book was not to be reproduced and given away.  If you are finding it really useful, maybe actually order a couple of real ones for your daughters.

New copies are available on AMAZON.com for $14.97 at http://www.amazon.com/s/ref=nb_ss_gw/002-5384240-3542468?url=search-alias%3Daps&field-keywords=suzie+orman&x=0&y=0

I have ordered 5 myself to loan to clients I think could use it..

In the meantime, I am glad it is helping.

david ingram

Remember that you and your daughters can listen to the Fred Snyder Show every Sunday morning on www.600am.com from 9 to 10:30 AM Vancovuer time..  I am usually a guest and happy to answer this kind of question for Canadians and Americans.


----------------------------------------------------------
On February 11, 2008, David Ingram wrote:

It is very unlikely that blind or unexpected email to me will be answered.  I receive anywhere from 100 to 700  unsolicited emails a day and usually answer anywhere from 2 to 20 if they are not from existing clients.  Existing clients are advised to put their 'name and PAYING CUSTOMER' in the subject line and get answered first.  I also refuse to be a slave to email and do not look at it every day and have never ever looked at it when I am out of town.  e bankruptcy expert  US Canada Canadian American  Mexican Income Tax  service and help
However, I regularly search for the words"PAYING CUSTOMER" and always answer them first if they did not get spammed out. For the last two weeks, I have just found out that my own email notes to myself have been spammed out and as an example, as I wrote this on Dec 25, 2007 since June 16th, my 'spammed out' box has 47,941 unread messages, my deleted box has 16645 I have actually looked at and deleted and I have actually answered 1234 email questions for clients and strangers without sending a bill.  I have also put aside 847 messages that I am maybe going to try and answer because they look interesting. -e bankruptcy expert  US Canada Canadian American  Mexican Income Tax service and  help
Therefore, if an email is not answered in 24 to 48 hours, it is likely lost in space.  You can try and resend it but if important AND YOU TRULY WANT OR NEED AN ANSWER from 'me', you will have to phone to make an appointment.  Gillian Bryan generally accepts appointment requests for me between 10:30 AM and 4:00 PM Monday to Friday VANCOUVER (Seattle, Portland, Los Angeles) time at (604) 980-0321.  david ingram expert  US Canada Canadian American  Mexican Income Tax  service and help.
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Disclaimer:  This question has been answered without detailed information or consultation and is to be regarded only as general comment.   Nothing in this message is or should be construed as advice in any particular circumstances. No contract exists between the reader and the author and any and all non-contractual duties are expressly denied. All readers should obtain formal advice from a competent and appropriately qualified legal practitioner or tax specialist for expert help, assistance, preparation, or consultation  in connection with personal or business affairs such as at www.centa.com. If you forward this message, this disclaimer must be included." e bankruptcy expert  US Canada Canadian American  Mexican Income Tax  service and help.
David Ingram gives expert income tax service & immigration help to non-resident Americans & Canadians from New York to California to Mexico  family, estate, income trust trusts Cross border, dual citizen - out of country investments are all handled with competence & authority.
 
Phone consultations are $450 for 15 minutes to 50 minutes (professional hour). Please note that GST is added if product remains in Canada or is to be returned to Canada or a phone consultation is in Canada. ($472.50 with GST if in Canada) expert  US Canada Canadian American  Mexican Income Tax  service and help.
This is not intended to be definitive but in general I am quoting $900 to $3,000 for a dual country tax return.
$900 would be one T4 slip one W2 slip one or two interest slips and you lived in one country only (but were filing both countries) - no self employment or rentals or capital gains - you did not move into or out of the country in this year.
 
$1,200 would be the same with one rental
 
$1,300 would be the same with one business no rental
 
$1,300 would be the minimum with a move in or out of the country. These are complicated because of the back and forth foreign tax credits. - The IRS says a foreign tax credit takes 1 hour and 53 minutes.
 
$1,600 would be the minimum with a rental or two in the country you do not live in or a rental and a business and foreign tax credits  no move in or out

$1,700 would be for two people with income from two countries

$3,000 would be all of the above and you moved in and out of the country.
 
This is just a guideline for US / Canadian returns
 
We will still prepare Canadian only (lives in Canada, no US connection period) with two or three slips and no capital gains, etc. for $200.00 up.
 
With a Rental for $400, two or three rentals for $550 to $700 (i.e. $150 per rental) First year Rental - plus $250.
 
A Business for $400 - Rental and business likely $550 to $700
 
And an American only (lives in the US with no Canadian income or filing period) with about the same things in the same range with a little bit more if there is a state return.
 
Moving in or out of the country or part year earnings in the US will ALWAYS be $900 and up.
 
TDF 90-22.1 forms are $50 for the first and $25.00 each after that when part of a tax return.
 
8891 forms are generally $50.00 to $100.00 each.
 
18 RRSPs would be $900.00 - (maybe amalgamate a couple)
 
Capital gains *sales)  are likely $50.00 for the first and $20.00 each after that.

Catch - up returns for the US where we use the Canadian return as a guide for seven years at a time will be from $150 to $600.00 per year depending upon numbers of bank accounts, RRSP's, existence of rental houses, self employment, etc. Note that these returns tend to be informational rather than taxable.  In fact, if there are children involved, we usually get refunds of $1,000 per child per year for 3 years.  We have done several catch-ups where the client has recieved as much as $6,000 back for an $1,800 bill and one recently with 6 children is resulting in over $12,000 refund. 

This is a guideline not etched in stone.  If you do your own TDF-90 forms, it is to your advantage. However, if we put them in the first year, the computer carries them forward beautifully.
 
This from "ask an income trusts tax service and immigration expert" from www.centa.com or www.jurock.com or www.featureweb.com. David Ingram deals on a daily basis with expatriate tax returns with multi jurisdictional cross and trans border expatriate problems  for the United States, Canada, Mexico, Great Britain, United Kingdom, Kuwait, Dubai, Saudi Arabia, Thailand, Indonesia, Japan, China, New Zealand, France, Germany, Spain, Italy, Russia, Georgia, Brazil, Peru, Ecuador, Bolivia, Scotland, Ireland, Hawaii, Florida, Montana, Morocco, Israel, Iraq, Iran, India, Pakistan, Afghanistan, Mali, Bangkok, Greenland, Iceland, Cuba, Bahamas, Bermuda, Barbados, St Vincent, Grenada,, Virgin Islands, US, UK, GB, and any of the 43 states with state tax returns, etc. Rockwall, Dallas, San Antonio Houston, Denmark, Finland, Sweden Norway Bulgaria Croatia Income Tax and Immigration Tips, Income Tax  Immigration Wizard Antarctica Rwanda Guru  Consultant Specialist Section 216(4) 216(1) NR6 NR-6 NR 6 Non-Resident Real Estate tax specialist expert preparer expatriate anti money laundering money seasoning FINTRAC E677 E667 105 106 TDF-90 Reporting $10,000 cross border transactions Grand Cayman Aruba Zimbabwe South Africa Namibia help USA US Income Tax Convention. Advice on bankruptcy  e bankruptcy expert  US Canada Canadian American  Mexican Income Tax service and help .

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