大家来谈谈避税吧

alex1031

坛子里有没有会计师事务所的精通税法的，马上要报税了，能不能给点建议如何免税？比如年薪7万的，only an example

我只知道LAPTOP　AND　MOBILE　PHONE能免税，没有买房的打算，还有其他方法吗？

先谢啦

[ Last edited by horseanddragon on 2005-5-24 at 10:28 AM ]

我爱猫

是呀是呀, 集思广益一下..

我上次问过论坛里其他的筒子了,说是LAPTOP/desktop只能分三年退税给你:
比如$3000的LAPTOP,一年只能从你的总收入里扣$1000,这样一来税就少交了.

MOBILE 就不知道了,估计可以一年报一次.

alex1031

我爱猫  在 2005-5-24 10:51 发表:

是呀是呀, 集思广益一下..

我上次问过论坛里其他的筒子了,说是LAPTOP/desktop只能分三年退税给你:
比如$3000的LAPTOP,一年只能从你的总收入里扣$1000,这样一来税就少交了.

MOBILE 就不知道了,估计可 ...

我来更正：依据澳洲税法，每年都可申请LAPTOP　AND　MOBILE　PHONE免税，all of the price can be rebated. 一般公司都有这一政策，叫SALARY　SACRIFICE。

ASK your boss first.

alex1031

ASTINA,  are you here? You are professional person, do you mind to give us any good advices?

Thanks a lot

休

这个SALARY　SACRIFICE 是你签雇用合同时,减小你的实际工资,公司用No Cash 的形式补偿. 比如给你一台公司车,一台手提电脑,........在很多情况下,公司要为此付FBT.

melbren

alex1031  在 2005-5-24 10:58 AM 发表:

我来更正：依据澳洲税法，每年都可申请LAPTOP　AND　MOBILE　PHONE免税，all of the price can be rebated. 一般公司都有这一政策，叫SALARY　SACRIFICE。

ASK your boss first.

不要问别人。。。最好的办法是去读报税条文，上面写的很清楚。。。努力自己报一次税，把所有的条款都精读一边，会让你受益多年。

alex1031

休  在 2005-5-24 11:14 发表:

这个SALARY　SACRIFICE 是你签雇用合同时,减小你的实际工资,公司用No Cash 的形式补偿. 比如给你一台公司车,一台手提电脑,........在很多情况下,公司要为此付FBT.

I can tell you what I knew. I bought a laptop in Apr. And I reported it to my boss with the invoice ( The title must be your company's name).
Then the amount of my salary was cut down, after a couple of days, the amount of the money  cut before was returned to my account. Anyway, I will totally pay less taxes in this financial year than before. In addition, I am not an IT guys. I don't know how much the company should pay for it. Who care?

alex1031

melbren  在 2005-5-24 11:16 发表:

不要问别人。。。最好的办法是去读报税条文，上面写的很清楚。。。努力自己报一次税，把所有的条款都精读一边，会让你受益多年。

Why??
We should have a group thinking. We can share some good experiences with each other. In addition, the person's understanding capacities are different. and I also have not too much time spending on reading the tough Tax Law. So I do like to ask the professional guys, such as ASTINA and so on. I turst they will give us some good and correct advices.

Somebody agree with me, doesnt it?

休

alex1031  在 2005-5-24 11:28 AM 发表:

I can tell you what I knew. I bought a laptop in Apr. And I reported it to my boss with the invoice ( The title must be your company's name).
Then the amount of my salary was cut  ...

你老板这样操作是可行的,你实际总收入就在当年减去了购买的价钱.因为手题电脑,手机是免FBT,因此对你老板也没有损失.提醒一句,你的手提电脑法律上属于公司财产,离职时要交回的.

[ Last edited by 休 on 2005-5-24 at 11:57 AM ]

m8rics

From Money Magazine, May 2005

Peter Freeman writes in the May issue of Money that it's time to move past the stage of being angry about all the tax you pay and start doing something about it. To help you do just that Money has 10 top strategies to help cut your tax.

They're summed up like this:


Make sure you claim all the work-related deductions you are entitled to.


Be aware of all the tax offsets/rebates you may claim.


Understand how to get a deduction when you borrow to invest.


Consider investing in shares — they are more tax-effective than property.


Use the benefits of superannuation rules.


Structure your investments to pay minimum tax.


Take advantage of capital-protected loans.


Understand how smart timing pays off with investment gains and losses.


Choose tax-effective managed funds.


Understand the importance of keeping good records.


Freeman goes on to explain these strategies in depth. He points out that while not all 10 strategies will suit everyone, most should be able to reap useful savings from at least some of them.

Freeman says anyone who is looking for legitimate ways to pay less tax needs to be sure they know the difference between tax avoidance and tax evasion. Essentially avoiding tax is usually regarded as legitimate since it implies that you have fully declared all taxable income, minus legitimate deductions. In contrast, evasion refers to someone attempting to hide taxable income by not declaring it.

The penalties for evasion are severe and in extreme cases can include prison. The tax office also has wide powers to disallow avoidance strategies it regards as contrived and mainly tax driven. If an investment scheme or product looks like it will generate a big tax saving, there is a good chance it is tax driven and will almost certainly be challenged.

Pam Walkley adds to Money's Tax Special by supplying tips on preparing your return and how to get your rebate quickly

小灵通

melbren  在 2005-5-24 11:16 AM 发表:

不要问别人。。。最好的办法是去读报税条文，上面写的很清楚。。。努力自己报一次税，把所有的条款都精读一边，会让你受益多年。

Agree, check ATO website for the Tax deduction. They have very detail explanation.

astina

accountants can be classified into a couple of different categories. Unfortunately I am not a tax accountant who is really specialist on tax. What I wrote about tax is all very basic and aimed at general readers.

As far as I know, for a pure salary eaner without business and/or investment, the scope of tax avoidance is very limited.

alex1031

Thanks a lot.

alex1031

休  在 2005-5-24 11:57 发表:

你老板这样操作是可行的,你实际总收入就在当年减去了购买的价钱.因为手题电脑,手机是免FBT,因此对你老板也没有损失.提醒一句,你的手提电脑法律上属于公司财产,离职时要交回的.

[ Last edited by 休 on 2005-5-24 ...

Rearly?? My boss has never meitioned it to me.

I bought thelaptop by my own money.

[ Last edited by alex1031 on 2005-5-24 at 05:54 PM ]

powermao

顶一下。

太阳的墨镜

SALARY SACRIFICE is that tranfer part of your income into your super which you can't touch it before you retire,but the advantage is only 15% tax. this case suits high income earner and close retiree.
laptop or mobile belong to salary package,you can do it once a year only if you have employer's permission. you can only use mobile for yourself, but you can give laptop to someone else.

it's my understanding. please correct me if you know more.

astina

好像package你的工资买车，laptop也叫salary sacrifice吧，salary sacrifice并不特指给不工作的配偶买super.这是偶的理解。

休

All non-cash benefits can be sacrificed. The issue is that these benefits form part of the employee's remuneration, replacing what otherwise could have been paid as salary.

The types of benefits generally provided in salary sacrifice arrangements by employers include employer superannuation, fringe benefits and exempt benefits.

Superannuation

Salary-sacrificed superannuation contributions are employer contributions, which when paid in respect of an employee to a complying superannuation fund are not fringe benefits.

Superannuation contributions made under a salary sacrifice arrangement for the benefit of an associate of an employee will be subject to FBT.

Fringe benefits

The fringe benefits are often car fringe benefits and expense payment fringe benefits such as the payment of the employee's loan repayments, school fees, childcare costs and home phone costs.

baolqun

salary sacrifice 不是用你扣税前工资买车那么简单的事.具体操作很复杂.
你和公司还有财务中介要签一个合同,车子是暂时租给你,公司给你贴FBT,租4年后,你可以用市场VALUE买下车子,如果这时候车子有剩余价值(你保养的好,或者开的少)那都是你的收益.
算了一下,比自己直接买合算,但是没有想象中节省的多,大头都被财务中介赚走了,而且你如果离开原公司就没有相应待遇,说不定还要自己贴钱.
所以考虑 salary sacrifice 买车的朋友最好想清楚是不是要和雇主产生那么纠缠不清的关系先.