{"id":3171,"date":"2024-07-10T23:07:59","date_gmt":"2024-07-10T18:07:59","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3171"},"modified":"2025-03-27T16:52:42","modified_gmt":"2025-03-27T11:52:42","slug":"tax-planning-for-you-and-your-family-phan-1-bi-quyet-de-dat-duoc-cac-muc-tieu-tai-chinh","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tax-planning-for-you-and-your-family-phan-1-bi-quyet-de-dat-duoc-cac-muc-tieu-tai-chinh\/","title":{"rendered":"Tax Planning for you and your family – Ph\u1ea7n 1: B\u00ed Quy\u1ebft \u0110\u1ec3 \u0110\u1ea1t \u0110\u01b0\u1ee3c C\u00e1c M\u1ee5c Ti\u00eau T\u00e0i Ch\u00ednh"},"content":{"rendered":"\n

L\u00e2u l\u1eafm r\u1ed3i m\u00ecnh kh\u00f4ng vi\u1ebft b\u00e0i nh\u1ec9? L\u00e0m video nhi\u1ec1u qu\u00e1 l\u00e2u kh\u00f4ng vi\u1ebft s\u1ee3 b\u1ecb l\u1ee5t ngh\u1ec1 \ud83d\ude00 N\u00ean nh\u00e2n d\u1ecbp m\u00ecnh \u0111ang \u0111\u1ecdc cu\u1ed1n s\u00e1ch \u201cTax Planning for you and your family\u201d th\u00ec m\u00ecnh s\u1ebd r\u00e1ng vi\u1ebft v\u1eafn t\u1eaft nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng \u1edf m\u1ed7i ch\u01b0\u01a1ng m\u00e0 m\u00ecnh ngh\u0129 s\u1ebd c\u00f3 \u00edch cho c\u00e1c b\u1ea1n quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh. Do c\u00e1c b\u00e0i vi\u1ebft n\u00e0y c\u1ee7a m\u00ecnh ch\u1ec9 mang t\u00ednh t\u00f3m t\u1eaft n\u00ean n\u1ebfu c\u00e1c b\u1ea1n c\u1ea7n bi\u1ebft th\u00eam chi ti\u1ebft c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ecdc s\u00e1ch (r\u1ea5t d\u1ec5 ki\u1ebfm \u1edf c\u00e1c th\u01b0 vi\u1ec7n) ho\u1eb7c comment h\u1ecfi th\u00eam nh\u00e9. M\u00ecnh c\u0169ng s\u1ebd c\u1ed1 g\u1eafng l\u00e0m th\u00eam v\u00e0i h\u00ecnh \u1ea3nh t\u00f3m t\u1eaft \u0111\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 follow t\u1eebng chap.<\/p>\n\n\n\n

\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n theo c\u00e1c chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3 l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c b\u01b0\u1edbc chi ti\u1ebft gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ec1 ra.<\/p>\n\n\n\n

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1. L\u00ean K\u1ebf Ho\u1ea1ch T\u00e0i Ch\u00ednh – Cam K\u1ebft Theo S\u00e1t<\/strong><\/p>\n\n\n\n

B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t k\u1ebf ho\u1ea1ch chi ti\u1ebft. K\u1ebf ho\u1ea1ch n\u00e0y c\u1ea7n bao g\u1ed3m c\u00e1c m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, nh\u01b0 ti\u1ebft ki\u1ec7m cho qu\u1ef9 kh\u1ea9n c\u1ea5p, mua nh\u00e0, gi\u00e1o d\u1ee5c con c\u00e1i, v\u00e0 chu\u1ea9n b\u1ecb cho h\u01b0u tr\u00ed. Cam k\u1ebft theo s\u00e1t k\u1ebf ho\u1ea1ch b\u1eb1ng c\u00e1ch theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1 ti\u1ebfn \u0111\u1ed9 th\u01b0\u1eddng xuy\u00ean, \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n \u0111i \u0111\u00fang h\u01b0\u1edbng.<\/p>\n\n\n\n

C\u00e1c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh n\u00ean chia r\u00f5 theo m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 5 n\u0103m), trung h\u1ea1n (5-10 n\u0103m) v\u00e0 d\u00e0i h\u1ea1n (tr\u00ean 10 n\u0103m), v\u00ec vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro c\u0169ng s\u1ebd ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o c\u00e1c k\u1ebf ho\u1ea1ch n\u00e0y.<\/p>\n\n\n\n

2. Theo S\u00e1t Gi\u00e1 Tr\u1ecb T\u00e0i S\u1ea3n R\u00f2ng v\u00e0 D\u00f2ng Ti\u1ec1n M\u1eb7t, Thi\u1ebft L\u1eadp M\u1ee5c Ti\u00eau T\u0103ng Tr\u01b0\u1edfng H\u00e0ng N\u0103m<\/strong><\/p>\n\n\n\n

Theo d\u00f5i gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng (t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n tr\u1eeb \u0111i n\u1ee3 ph\u1ea3i tr\u1ea3) v\u00e0 d\u00f2ng ti\u1ec1n m\u1eb7t (s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa thu nh\u1eadp v\u00e0 chi ti\u00eau) l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 hi\u1ec3u r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. Thi\u1ebft l\u1eadp c\u00e1c m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m gi\u00fap b\u1ea1n c\u00f3 \u0111\u1ed9ng l\u1ef1c v\u00e0 k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3 \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng v\u00e0 d\u00f2ng ti\u1ec1n m\u1eb7t.<\/p>\n\n\n\n

N\u00ean nh\u1edb, \u0111\u1ec3 t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng th\u00ec b\u1ea1n \u0111\u1eebng ch\u1ec9 ch\u0103m ch\u0103m v\u00e0o vi\u1ec7c t\u0103ng thu nh\u1eadp m\u00e0 qu\u00ean m\u1ea5t vi\u1ec7c qu\u1ea3n l\u00fd chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n. Kh\u00f4ng c\u00f3 \u00edt tr\u01b0\u1eddng h\u1ee3p c\u00e1c gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp t\u0103ng nh\u01b0ng ti\u1ec1n d\u01b0 h\u00e0ng th\u00e1ng v\u1eabn kh\u00f4ng t\u0103ng l\u00e0 v\u00ec l\u00fd do n\u00e0y.<\/p>\n\n\n\n

3. Thi\u1ebft L\u1eadp H\u1ec7 Th\u1ed1ng \u201cChi Tr\u1ea3 Cho B\u1ea3n Th\u00e2n Tr\u01b0\u1edbc\u201d<\/strong><\/p>\n\n\n\n

H\u1ec7 th\u1ed1ng \u201cchi tr\u1ea3 cho b\u1ea3n th\u00e2n tr\u01b0\u1edbc\u201d- paying yourself first – ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd \u01b0u ti\u00ean vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc khi chi ti\u00eau cho c\u00e1c nhu c\u1ea7u kh\u00e1c. B\u1eb1ng c\u00e1ch n\u00e0y, b\u1ea1n s\u1ebd lu\u00f4n \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c d\u00e0nh ri\u00eang cho c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh quan tr\u1ecdng. T\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh n\u00e0y b\u1eb1ng c\u00e1ch thi\u1ebft l\u1eadp c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng v\u00e0o \u0111\u1ea7u m\u1ed7i th\u00e1ng t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng (TFSA ho\u1eb7c RRSP) c\u1ee7a b\u1ea1n. M\u1ee9c ti\u1ebft ki\u1ec7m n\u00ean t\u1ed1i thi\u1ec3u l\u00e0 10% t\u1ed5ng thu nh\u1eadp<\/strong> c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

4. X\u00e2y D\u1ef1ng Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 Ph\u00f9 H\u1ee3p V\u1edbi Hi\u1ec7n Tr\u1ea1ng v\u00e0 Nhu C\u1ea7u C\u1ee7a Ch\u00ednh B\u1ea1n<\/strong><\/p>\n\n\n\n

M\u1ed7i ng\u01b0\u1eddi c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau kh\u00e1c nhau, do \u0111\u00f3, chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi hi\u1ec7n tr\u1ea1ng v\u00e0 nhu c\u1ea7u c\u00e1 nh\u00e2n. Nghi\u00ean c\u1ee9u v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 nh\u01b0 c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, qu\u1ef9 \u0111\u1ea7u t\u01b0, v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng. \u0110\u1ea3m b\u1ea3o r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo th\u1eddi gian \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c thay \u0111\u1ed5i v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

5. \u0110\u00f3ng T\u1ed1i \u0110a $2,500\/N\u0103m V\u00e0o RESP \u0110\u1ec3 Nh\u1eadn Th\u00eam 20% Tr\u1ee3 C\u1ea5p C\u1ee7a Ch\u00ednh Ph\u1ee7<\/strong><\/p>\n\n\n\n

T\u00e0i kho\u1ea3n Ti\u1ebft Ki\u1ec7m Gi\u00e1o D\u1ee5c (RESP) l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 h\u1eefu \u00edch \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho gi\u00e1o d\u1ee5c c\u1ee7a con c\u00e1i. Khi \u0111\u00f3ng g\u00f3p t\u1ed1i \u0111a $2,500 m\u1ed7i n\u0103m v\u00e0o RESP, b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00eam 20% tr\u1ee3 c\u1ea5p t\u1eeb ch\u00ednh ph\u1ee7, t\u1ed1i \u0111a $500 m\u1ed7i n\u0103m. \u0110i\u1ec1u n\u00e0y gi\u00fap gia t\u0103ng s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3. Do ph\u1ea7n gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n t\u0103ng trong t\u00e0i kho\u1ea3n RESP s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf tr\u00ean tr\u1ebb khi ph\u1ea7n ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch h\u1ecdc t\u1eadp, n\u00ean ph\u1ea7n thu\u1ebf ph\u1ea3i tr\u1ea3 tr\u00ean m\u1ee9c t\u00e0i s\u1ea3n gia t\u0103ng n\u00e0y s\u1ebd r\u1ea5t th\u1ea5p v\u00e0 c\u00f3 th\u1ec3 b\u1eb1ng 0 v\u00e0o th\u1eddi \u0111i\u1ec3m tr\u1ebb ch\u01b0a c\u00f3 ngu\u1ed3n thu nh\u1eadp kh\u00e1c.<\/p>\n\n\n\n

6. Khuy\u1ebfn Kh\u00edch Tr\u1ebb \u0110\u1ea7u T\u01b0 Ti\u1ec1n Ch\u00fang Ki\u1ebfm \u0110\u01b0\u1ee3c T\u1eeb S\u1edbm<\/strong><\/p>\n\n\n\n

Gi\u00e1o d\u1ee5c v\u00e0 khuy\u1ebfn kh\u00edch con c\u00e1i \u0111\u1ea7u t\u01b0 t\u1eeb s\u1edbm l\u00e0 m\u1ed9t c\u00e1ch t\u1ed1t \u0111\u1ec3 gi\u00fap tr\u1ebb ph\u00e1t tri\u1ec3n k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. H\u00e3y gi\u1ea3i th\u00edch cho tr\u1ebb hi\u1ec3u v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0, c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0. Khuy\u1ebfn kh\u00edch tr\u1ebb s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n ch\u00fang ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c c\u00f4ng vi\u1ec7c nh\u1ecf ho\u1eb7c ti\u1ec1n m\u1eebng tu\u1ed5i \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y t\u00e0i s\u1ea3n.<\/p>\n\n\n\n

7. C\u00e2n Nh\u1eafc D\u00f9ng RRSP L\u00e0m Downpayment Khi Mua C\u0103n Nh\u00e0 \u0110\u1ea7u Ti\u00ean Theo Ch\u01b0\u01a1ng Tr\u00ecnh Home Buyer\u2019s Plan<\/strong><\/p>\n\n\n\n

Ch\u01b0\u01a1ng tr\u00ecnh Home Buyer\u2019s Plan cho ph\u00e9p b\u1ea1n r\u00fat t\u1ed1i \u0111a $35,000 t\u1eeb t\u00e0i kho\u1ea3n Ti\u1ebft Ki\u1ec7m H\u01b0u Tr\u00ed \u0110\u0103ng K\u00fd (RRSP) \u0111\u1ec3 l\u00e0m kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc khi mua c\u0103n nh\u00e0 \u0111\u1ea7u ti\u00ean m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 thu\u1ebf. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n thu\u1ebf v\u00e0 d\u1ec5 d\u00e0ng s\u1edf h\u1eefu ng\u00f4i nh\u00e0 m\u01a1 \u01b0\u1edbc.<\/p>\n\n\n\n

8. T\u0103ng T\u1ea7n Su\u1ea5t Tr\u1ea3 Mortgage \u0110\u1ec3 Gi\u1ea3m Chi Ph\u00ed L\u00e3i Su\u1ea5t<\/strong><\/p>\n\n\n\n

M\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 gi\u1ea3m chi ph\u00ed l\u00e3i su\u1ea5t t\u1ed5ng th\u1ec3 v\u00e0 r\u00fat ng\u1eafn th\u1eddi gian tr\u1ea3 n\u1ee3 mortgage l\u00e0 t\u0103ng t\u1ea7n su\u1ea5t tr\u1ea3 n\u1ee3. Thay v\u00ec tr\u1ea3 n\u1ee3 h\u00e0ng th\u00e1ng, b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n sang tr\u1ea3 n\u1ee3 h\u00e0ng tu\u1ea7n ho\u1eb7c hai tu\u1ea7n m\u1ed9t l\u1ea7n. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m s\u1ed1 ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 v\u00e0 nhanh ch\u00f3ng ho\u00e0n th\u00e0nh kho\u1ea3n n\u1ee3.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

9. L\u00ean K\u1ebf Ho\u1ea1ch T\u1ed1i Thi\u1ec3u H\u00f3a Thu\u1ebf L\u00e3i V\u1ed1n (Capital Gains Tax) Do B\u00e1n C\u0103n Nh\u00e0 Ngh\u1ec9 D\u01b0\u1ee1ng<\/strong><\/p>\n\n\n\n

N\u1ebfu b\u1ea1n c\u00f3 \u00fd \u0111\u1ecbnh b\u00e1n c\u0103n nh\u00e0 ngh\u1ec9 d\u01b0\u1ee1ng, h\u00e3y t\u00ecm hi\u1ec3u c\u00e1c bi\u1ec7n ph\u00e1p t\u1ed1i thi\u1ec3u h\u00f3a thu\u1ebf l\u00e3i v\u1ed1n \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a l\u1ee3i nhu\u1eadn t\u1eeb vi\u1ec7c b\u00e1n nh\u00e0. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c kho\u1ea3n gi\u1ea3m tr\u1eeb thu\u1ebf, xem x\u00e9t th\u1eddi \u0111i\u1ec3m b\u00e1n, v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n kh\u00e1c.<\/p>\n\n\n\n

10. Thi\u1ebft L\u1eadp Qu\u1ef9 D\u1ef1 Ph\u00f2ng Kh\u1ea9n C\u1ea5p Ho\u1eb7c Line of Credit<\/strong><\/p>\n\n\n\n

M\u1ed9t qu\u1ef9 d\u1ef1 ph\u00f2ng kh\u1ea9n c\u1ea5p ho\u1eb7c t\u00e0i kho\u1ea3n Line of Credit l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng t\u00e0i ch\u00ednh kh\u1ea9n c\u1ea5p nh\u01b0 m\u1ea5t vi\u1ec7c l\u00e0m, chi ph\u00ed y t\u1ebf \u0111\u1ed9t xu\u1ea5t, ho\u1eb7c c\u00e1c bi\u1ebfn c\u1ed1 kh\u00e1c. H\u00e3y \u0111\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m t\u1eeb 3 \u0111\u1ebfn 6 th\u00e1ng<\/strong> chi ph\u00ed sinh ho\u1ea1t v\u00e0o qu\u1ef9 d\u1ef1 ph\u00f2ng kh\u1ea9n c\u1ea5p \u0111\u1ec3 gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c t\u00e0i ch\u00ednh khi g\u1eb7p ph\u1ea3i nh\u1eefng bi\u1ebfn c\u1ed1 b\u1ea5t ng\u1edd.<\/p>\n\n\n\n

11. \u0110\u1ea3m B\u1ea3o B\u1ea1n \u0110ang C\u00f3 Kho\u1ea3n B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd\/ B\u1ec7nh Hi\u1ec3m Ngh\u00e8o \u0110\u00e1p \u1ee8ng \u0110\u1ee7 Nhu C\u1ea7u T\u00e0i Ch\u00ednh v\u00e0 Chu\u1ea9n B\u1ecb Di Ch\u00fac \u0110\u01b0\u1ee3c C\u1eadp Nh\u1eadt<\/strong><\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o l\u00e0 nh\u1eefng c\u00f4ng c\u1ee5 quan tr\u1ecdng \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n v\u00e0 gia \u0111\u00ecnh trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra r\u1ee7i ro. \u0110\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 \u0111\u1ee7 b\u1ea3o hi\u1ec3m \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed sinh ho\u1ea1t, chi ph\u00ed y t\u1ebf, v\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 n\u1ebfu b\u1ea1n kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng l\u00e0m vi\u1ec7c.<\/p>\n\n\n\n

Ngo\u00e0i ra, c\u1eadp nh\u1eadt di ch\u00fac \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c ph\u00e2n chia theo \u0111\u00fang \u00fd mu\u1ed1n v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi th\u00e2n. Vi\u1ec7c chu\u1ea9n b\u1ecb s\u1eb5n di ch\u00fac kh\u00f4ng ch\u1ec9 gi\u00fap b\u1ea1n \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ed1 tr\u00ed theo mong mu\u1ed1n c\u1ee7a b\u1ea1n, m\u00e0 c\u00f2n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c ph\u1ea7n ti\u1ec1n g\u1ecdi l\u00e0 probate fee- l\u00e0 ph\u1ea7n chi ph\u00ed s\u1ebd ph\u00e1t sinh d\u1ef1a tr\u00ean % t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n khi ph\u1ea3i \u0111i qua quy tr\u00ecnh probate (th\u1ee7 t\u1ee5c ch\u1ee9ng th\u1ef1c di ch\u00fac) n\u1ebfu b\u1ea1n kh\u00f4ng chu\u1ea9n b\u1ecb s\u1eb5n di ch\u00fac.12. C\u00e2n Nh\u1eafc M\u1ed9t H\u1ee3p \u0110\u1ed3ng \u1ee6y Quy\u1ec1n (Power of Attorney)<\/strong><\/p>\n\n\n\n

H\u1ee3p \u0111\u1ed3ng \u1ee7y quy\u1ec1n (Power of Attorney) cho ph\u00e9p b\u1ea1n ch\u1ec9 \u0111\u1ecbnh ng\u01b0\u1eddi kh\u00e1c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n v\u00e0 quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh thay cho b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng t\u1ef1 quy\u1ebft \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo \u0111\u00fang \u00fd mu\u1ed1n c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

M\u00ecnh xin d\u1eebng Ph\u1ea7n 1 \u1edf \u0111\u00e2y. \u1ede ph\u1ea7n sau- Ph\u1ea7n 2- m\u00ecnh s\u1ebd ti\u1ebfp t\u1ee5c series n\u00e0y v\u1edbi ch\u1ee7 \u0111\u1ec1: \u201cL\u1eddi khuy\u00ean v\/v khai (claim) c\u00e1c kho\u1ea3n gi\u1ea3m tr\u1eeb thu\u1ebf (tax deductions) v\u00e0 t\u00edn d\u1ee5ng thu\u1ebf (tax credits)”.<\/p>\n\n\n\n

Sarah Do<\/em><\/strong><\/p>\n\n\n\n

Travel, Life, and Health Insurance Advisor.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

L\u00e2u l\u1eafm r\u1ed3i m\u00ecnh kh\u00f4ng vi\u1ebft b\u00e0i nh\u1ec9? L\u00e0m video nhi\u1ec1u qu\u00e1 l\u00e2u kh\u00f4ng vi\u1ebft s\u1ee3 b\u1ecb l\u1ee5t ngh\u1ec1 \ud83d\ude00 N\u00ean nh\u00e2n d\u1ecbp m\u00ecnh \u0111ang \u0111\u1ecdc cu\u1ed1n s\u00e1ch \u201cTax Planning for you and your family\u201d th\u00ec m\u00ecnh s\u1ebd r\u00e1ng vi\u1ebft v\u1eafn t\u1eaft nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng \u1edf m\u1ed7i ch\u01b0\u01a1ng m\u00e0 m\u00ecnh ngh\u0129 s\u1ebd c\u00f3 \u00edch cho c\u00e1c b\u1ea1n quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh. Do c\u00e1c b\u00e0i vi\u1ebft n\u00e0y c\u1ee7a m\u00ecnh ch\u1ec9 mang t\u00ednh t\u00f3m t\u1eaft n\u00ean n\u1ebfu c\u00e1c b\u1ea1n c\u1ea7n bi\u1ebft th\u00eam chi ti\u1ebft c\u00f3 th\u1ec3 t\u00ecm \u0111\u1ecdc s\u00e1ch (r\u1ea5t d\u1ec5 ki\u1ebfm \u1edf c\u00e1c th\u01b0 vi\u1ec7n) ho\u1eb7c comment h\u1ecfi th\u00eam nh\u00e9. M\u00ecnh c\u0169ng s\u1ebd c\u1ed1 g\u1eafng l\u00e0m th\u00eam v\u00e0i h\u00ecnh \u1ea3nh t\u00f3m t\u1eaft \u0111\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 follow t\u1eebng chap. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh, vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n theo c\u00e1c chi\u1ebfn l\u01b0\u1ee3c c\u1ee5 th\u1ec3 l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c b\u01b0\u1edbc chi ti\u1ebft gi\u00fap b\u1ea1n qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau \u0111\u1ec1 ra. 1. L\u00ean K\u1ebf Ho\u1ea1ch T\u00e0i Ch\u00ednh – Cam K\u1ebft Theo S\u00e1t B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t k\u1ebf ho\u1ea1ch chi ti\u1ebft. K\u1ebf ho\u1ea1ch n\u00e0y c\u1ea7n bao g\u1ed3m c\u00e1c m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n, nh\u01b0 ti\u1ebft ki\u1ec7m cho qu\u1ef9 kh\u1ea9n c\u1ea5p, mua nh\u00e0, gi\u00e1o d\u1ee5c con c\u00e1i, v\u00e0 chu\u1ea9n b\u1ecb cho h\u01b0u tr\u00ed. Cam k\u1ebft theo s\u00e1t k\u1ebf ho\u1ea1ch b\u1eb1ng c\u00e1ch theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1 ti\u1ebfn \u0111\u1ed9 th\u01b0\u1eddng xuy\u00ean, \u0111i\u1ec1u ch\u1ec9nh khi c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n lu\u00f4n \u0111i \u0111\u00fang h\u01b0\u1edbng. C\u00e1c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh n\u00ean chia r\u00f5 theo m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n (d\u01b0\u1edbi 5 n\u0103m), trung h\u1ea1n (5-10 n\u0103m) v\u00e0 d\u00e0i h\u1ea1n (tr\u00ean 10 n\u0103m), v\u00ec vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro c\u0169ng s\u1ebd ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o c\u00e1c k\u1ebf ho\u1ea1ch n\u00e0y. 2. Theo S\u00e1t Gi\u00e1 Tr\u1ecb T\u00e0i S\u1ea3n R\u00f2ng v\u00e0 D\u00f2ng Ti\u1ec1n M\u1eb7t, Thi\u1ebft L\u1eadp M\u1ee5c Ti\u00eau T\u0103ng Tr\u01b0\u1edfng H\u00e0ng N\u0103m Theo d\u00f5i gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng (t\u1ed5ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n tr\u1eeb \u0111i n\u1ee3 ph\u1ea3i tr\u1ea3) v\u00e0 d\u00f2ng ti\u1ec1n m\u1eb7t (s\u1ef1 ch\u00eanh l\u1ec7ch gi\u1eefa thu nh\u1eadp v\u00e0 chi ti\u00eau) l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 hi\u1ec3u r\u00f5 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. Thi\u1ebft l\u1eadp c\u00e1c m\u1ee5c ti\u00eau t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m gi\u00fap b\u1ea1n c\u00f3 \u0111\u1ed9ng l\u1ef1c v\u00e0 k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3 \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng v\u00e0 d\u00f2ng ti\u1ec1n m\u1eb7t. N\u00ean nh\u1edb, \u0111\u1ec3 t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng th\u00ec b\u1ea1n \u0111\u1eebng ch\u1ec9 ch\u0103m ch\u0103m v\u00e0o vi\u1ec7c t\u0103ng thu nh\u1eadp m\u00e0 qu\u00ean m\u1ea5t vi\u1ec7c qu\u1ea3n l\u00fd chi ti\u00eau v\u00e0 ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n. Kh\u00f4ng c\u00f3 \u00edt tr\u01b0\u1eddng h\u1ee3p c\u00e1c gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp t\u0103ng nh\u01b0ng ti\u1ec1n d\u01b0 h\u00e0ng th\u00e1ng v\u1eabn kh\u00f4ng t\u0103ng l\u00e0 v\u00ec l\u00fd do n\u00e0y. 3. Thi\u1ebft L\u1eadp H\u1ec7 Th\u1ed1ng \u201cChi Tr\u1ea3 Cho B\u1ea3n Th\u00e2n Tr\u01b0\u1edbc\u201d H\u1ec7 th\u1ed1ng \u201cchi tr\u1ea3 cho b\u1ea3n th\u00e2n tr\u01b0\u1edbc\u201d- paying yourself first – ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd \u01b0u ti\u00ean vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0 tr\u01b0\u1edbc khi chi ti\u00eau cho c\u00e1c nhu c\u1ea7u kh\u00e1c. B\u1eb1ng c\u00e1ch n\u00e0y, b\u1ea1n s\u1ebd lu\u00f4n \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ed9t ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c d\u00e0nh ri\u00eang cho c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh quan tr\u1ecdng. T\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh n\u00e0y b\u1eb1ng c\u00e1ch thi\u1ebft l\u1eadp c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng v\u00e0o \u0111\u1ea7u m\u1ed7i th\u00e1ng t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng (TFSA ho\u1eb7c RRSP) c\u1ee7a b\u1ea1n. M\u1ee9c ti\u1ebft ki\u1ec7m n\u00ean t\u1ed1i thi\u1ec3u l\u00e0 10% t\u1ed5ng thu nh\u1eadp c\u1ee7a b\u1ea1n. 4. X\u00e2y D\u1ef1ng Chi\u1ebfn L\u01b0\u1ee3c \u0110\u1ea7u T\u01b0 Ph\u00f9 H\u1ee3p V\u1edbi Hi\u1ec7n Tr\u1ea1ng v\u00e0 Nhu C\u1ea7u C\u1ee7a Ch\u00ednh B\u1ea1n M\u1ed7i ng\u01b0\u1eddi c\u00f3 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau kh\u00e1c nhau, do \u0111\u00f3, chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi hi\u1ec7n tr\u1ea1ng v\u00e0 nhu c\u1ea7u c\u00e1 nh\u00e2n. Nghi\u00ean c\u1ee9u v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0 nh\u01b0 c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, qu\u1ef9 \u0111\u1ea7u t\u01b0, v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t danh m\u1ee5c \u0111\u1ea7u t\u01b0 \u0111a d\u1ea1ng. \u0110\u1ea3m b\u1ea3o r\u1eb1ng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo th\u1eddi gian \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c thay \u0111\u1ed5i v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau. 5. \u0110\u00f3ng T\u1ed1i \u0110a $2,500\/N\u0103m V\u00e0o RESP \u0110\u1ec3 Nh\u1eadn Th\u00eam 20% Tr\u1ee3 C\u1ea5p C\u1ee7a Ch\u00ednh Ph\u1ee7 T\u00e0i kho\u1ea3n Ti\u1ebft Ki\u1ec7m Gi\u00e1o D\u1ee5c (RESP) l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 h\u1eefu \u00edch \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho gi\u00e1o d\u1ee5c c\u1ee7a con c\u00e1i. Khi \u0111\u00f3ng g\u00f3p t\u1ed1i \u0111a $2,500 m\u1ed7i n\u0103m v\u00e0o RESP, b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00eam 20% tr\u1ee3 c\u1ea5p t\u1eeb ch\u00ednh ph\u1ee7, t\u1ed1i \u0111a $500 m\u1ed7i n\u0103m. \u0110i\u1ec1u n\u00e0y gi\u00fap gia t\u0103ng s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3. Do ph\u1ea7n gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n t\u0103ng trong t\u00e0i kho\u1ea3n RESP s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf tr\u00ean tr\u1ebb khi ph\u1ea7n ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch h\u1ecdc t\u1eadp, n\u00ean ph\u1ea7n thu\u1ebf ph\u1ea3i tr\u1ea3 tr\u00ean m\u1ee9c t\u00e0i s\u1ea3n gia t\u0103ng n\u00e0y s\u1ebd r\u1ea5t th\u1ea5p v\u00e0 c\u00f3 th\u1ec3 b\u1eb1ng 0 v\u00e0o th\u1eddi \u0111i\u1ec3m tr\u1ebb ch\u01b0a c\u00f3 ngu\u1ed3n thu nh\u1eadp kh\u00e1c. 6. Khuy\u1ebfn Kh\u00edch Tr\u1ebb \u0110\u1ea7u T\u01b0 Ti\u1ec1n Ch\u00fang Ki\u1ebfm \u0110\u01b0\u1ee3c T\u1eeb S\u1edbm Gi\u00e1o d\u1ee5c v\u00e0 khuy\u1ebfn kh\u00edch con c\u00e1i \u0111\u1ea7u t\u01b0 t\u1eeb s\u1edbm l\u00e0 m\u1ed9t c\u00e1ch t\u1ed1t \u0111\u1ec3 gi\u00fap tr\u1ebb ph\u00e1t tri\u1ec3n k\u1ef9 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh. H\u00e3y gi\u1ea3i th\u00edch cho tr\u1ebb hi\u1ec3u v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c ti\u1ebft ki\u1ec7m v\u00e0 \u0111\u1ea7u t\u01b0, c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c k\u00eanh \u0111\u1ea7u t\u01b0. Khuy\u1ebfn kh\u00edch tr\u1ebb s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n ch\u00fang ki\u1ebfm \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c c\u00f4ng vi\u1ec7c nh\u1ecf ho\u1eb7c ti\u1ec1n m\u1eebng tu\u1ed5i \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y t\u00e0i s\u1ea3n. 7. C\u00e2n Nh\u1eafc D\u00f9ng RRSP L\u00e0m Downpayment Khi Mua C\u0103n Nh\u00e0 \u0110\u1ea7u Ti\u00ean Theo Ch\u01b0\u01a1ng Tr\u00ecnh Home Buyer\u2019s Plan Ch\u01b0\u01a1ng tr\u00ecnh Home Buyer\u2019s Plan cho ph\u00e9p b\u1ea1n r\u00fat t\u1ed1i \u0111a $35,000 t\u1eeb t\u00e0i kho\u1ea3n Ti\u1ebft Ki\u1ec7m H\u01b0u Tr\u00ed \u0110\u0103ng K\u00fd (RRSP) \u0111\u1ec3 l\u00e0m kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc khi mua c\u0103n nh\u00e0 \u0111\u1ea7u ti\u00ean m\u00e0 kh\u00f4ng ph\u1ea3i tr\u1ea3 thu\u1ebf. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c kho\u1ea3n ti\u1ec1n thu\u1ebf v\u00e0 d\u1ec5 d\u00e0ng s\u1edf h\u1eefu ng\u00f4i nh\u00e0 m\u01a1 \u01b0\u1edbc. 8. T\u0103ng T\u1ea7n<\/p>\n","protected":false},"author":2,"featured_media":3172,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25,46],"tags":[],"class_list":["post-3171","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem","category-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=3171"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3171\/revisions"}],"predecessor-version":[{"id":3442,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3171\/revisions\/3442"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3172"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}