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Big changes surround the Principle Residence Exemption (PRE) for the 2016 Tax Year. The Canada Revenue Agency (CRA) states the following: Starting with the 2016 tax year, individuals who sell their principal residence will have to report the sale on Schedule 3, Capital Gains of the T1 Income Tax and Benefit Return. Reporting will be


Support your local venues!

In 1977 I was living in London, ON and came to visit a family member in Owen Sound for a weekend. I was so struck by the beauty of the country and open friendliness of the people that I decided I would like to live here. So I moved. I soon realized that there was


Expected financial changes under the new Liberal goverment

The ballots have been counted, the Liberal led by Justin Trudeau will form a majority government with 184 seats in the house. Justin Trudeau has promised to help the Canadian middle class; follow the link below to find out how his proposals will affect your personal and family finances: Not sure what you should


On-The-Watch for the Upcoming Tax Season

With the fast approaching year-end, it might not be a bad idea to consider sitting down and getting your tax paperwork together after the new year. Here are some tips from the tax planners at GARDHOUSE Financial Counsel. If you have kids, or someone going to college in the family: New tax cuts have been


New WSIB rules for the construction industry – are you exempt?

As of January 1, 2013 it became mandatory for people in the construction industry to have WSIB coverage, including employers, partnerships, and corporations with employees. There is a 1 year grace period before any enforcement will occur on these changes. There are two major exemptions to the mandatory coverage. WSIB’s website would have you believe


New study reveals direct link between financial advice and wealth accumulation

How important is having a financial advisor when it comes to wealth accumulation? You’ll get different answers to that question from different people. And real scientific studies have been scarce. But recently, the Center for Interuniversity Research and Analysis on Organizations (CIRANO) released just such a research paper. “Econometric Models on the Value of Advice


14 questions small business owners should ask

We’d love to provide quick, concise answers to each of these very important questions, but every small business is different. In order to provide the answer that’s right for your small business, we can sit down to learn more about you, your business, your business goals and more. But to get you started thinking, have


The Gardhouse name – a history of service

When people hear the name Gardhouse, they often think they’re hearing “Guardhouse”, and they’re not far off. Gardhouse family records, which date back to the late 1500s, suggest that the surname Gardhouse derived from the word “guard-house”, which in turn came from the Old English “weard”: “watching” or “guarding”. It seems that the original bearer


Six steps to simplify and strategize your financial future

We see our responsibility as helping you manage the six fundamental stages of financial planning. 1. Take control of your cash flow and your debt Obtaining credit is remarkably easy these days. That can be a great thing, but in some cases, it can also be an obstacle to creating wealth. Call us old-school, but