the good thing about dividends also is that if you choose, you don't have to issue dividends so lets say at the beginning of the year, you estimated 100k was needed, but instead it is actually 80k. you have the freedom to be flexible. I contract in IT through my corporation so I am able to write off use of home and work expenses, which also helps me to stay flexible in the amount of dividends I actually need. Great video.
That was a very nice explanatory video. One question that is still bothering me is how to use the remaining money in the corporation? If you are a sole owner of the corporation and also the only employee, how can you use the remaining money or where and when can you use that money? What would be the best way to get that money out and invested into an asset such that the overall tax rate comes out less than what it would have been if the business was set up as a sole proprietorship or the average tax rate on employment income? Could you please elaborate on this?
Great video! I worked for years as an employee as have a decent RRSP room. Now working as a self employed and deciding to pay myself dividends this year (I now dividends don’t qualify), do I still have the opportunity to put money towards my RRSP account on the first 60days of the next year and deduct from my personal tax side?
This information was very helpful! I really liked your example. Based on this, I think I will go with dividends. My business is more of a side hustle and I already have a FT job which gives me RRSP room (which I have not maxed) and CCB. This plus the fact that dividends are just so much easier to file! Thanks for the advice!! Subscribed.
Thanks! Many of our clients choose dividend. There're reasons why people choose salary though. As long as you know your priorities...tax is only one of the many consideration.
Tax on split income rules (TOSI) do apply to dividends. So they also have to be reasonable, especially if between ages 18-24. Passive income earned under age of 18 is caught by kiddie tax/attribution rule anyway.
Hi Cherry , Great video and superb breakdown. Please can you clarify on your example - how did u calculate the personal income tax on the dividend column? Why 11.16% on £126,500 on dividend method and not 43.4% ? Thank you!
You are just amazing. I learned a lot from you. There was a fire in my rental property. I received money from my insurance to fix the damage. Do i have to show that money as my income and then deduct the repairs? Please advise.
Thank you! I’ve been searching for a video that covers this for a few months, this is the only one that actually covers the details I’ve been looking for. Subscribed!
is dividend viewed the same to lenders when it comes mortgage time ? .. would the higher marginal tax rate not make up the 6k in difference when it comes to utilizing your 147 vs 126 assuming your putting 18 percent or max into rrsp or resp or other personal deductions .
Thank for this video. Why you didn't include the contribution to EI in your calculation? Also, if you are in quebec, I think you must pay QPIP "Both employers and employees must contribute to the Québec parental insurance plan (QPIP)"
EI is generally exempt for owner employee - you can't fire yourself and claim EI so hence you're generally exempt, unless you get a ruling from CRA ahead of time to contribute
Hi Cherry. Great video as usual! I started my own business (corp) and hoping to pay myaelf dividends. I will also have employees. How would i calculate pay and taxes for this situation?
Assuming you had the option to be incorporated (self employed) vs working for an external organization as an employee….what is the point of being incorporated if your corporation has to pay 12.2% in corporate tax and then when you pay yourself (via dividend) you still have to pay personal income tax on that dividend? Wouldn’t your corporation still be paying roughly around the same amount of tax as someone who pays personal income tax (around 35%) that isn’t incorporated and works for an external organization as a regular employee?
Such a great question. We often have the conversation with clients as to whether they should setup corporation or not. The reason why you would setup a corporation is the potential tax deferral benefit. If you have to take all the money out from your corporation to sustain your life, then yes, no point setting up corporation. If you don't need everything, you can have significant tax deferral opportunity.
A huge difference is future CPP paid to the employee? With dividends the owner is not paying into CPP, they will collect less at retirement 60+ years old.
There will be nothing to collect.. the cost of living is so high that the CPP does not keep up with it... gotta work until you are 80 then die (while having paid into the CPP, EI,..).
Thank you. Straight forward and to the point video. Just one question - what is the downside when you want to buy a home and to get mortgage approval when you take the dividend.
This is more of a question for a mortgage broker rather than for us. A few years back, it was definitely more beneficial to pay yourself a salary over dividend. In recent years, it seems that most banks work with people who receive dividends. Again, speak to a mortgage professional.
Hi there - can you touch on how "eligible dividends" would work here? Also factoring in if you have a spouse that doesnt work that you could give dividends to?
So the CRA is taxing the money twice if you take a dividend, I always understood that the tax has already been paid on that money so no need to tax again.
Hi Ben, thanks for asking. Great questions. Typically owner compensation isn't eligible for EI, as the owner has control over if, when and how much he/she gets paid. They are also not required to remit EI as a result. Unless, of course, if you are trying to get pregnant and get mat leave or parental leave, that's a different story.
If you doing this as a side hustle and still have 9-5 job if you pay yourself through divdends will it be added to our salary? I dont want to pay myself an additonal salary.
Very informative video thank you, I'm incorporated and I paid myself a dividend (I filled T2 and schedule 3 "part 3" taxed dividend paid) I filled T5 and claimed this against my T1 personal income with my spouse we file jointly. is there any other forms other than S3 to be prepared (the dividend was 2500 CAD) do I need a CDA or schedule 53, 33, and 23 and a resolution? T2 NET income tax was 6500 cad (very small business and first-year filing) please help and thank you. I did the filing myself
Wish I could help, without knowing the entire business, and what you do for a living and what else is owned in the business, it is a bit challenging to tell you what you need to be filed. Feel free to engage with a professional accountant to make sure you are in compliance with all government regulations. Good luck.
Hi I do have a cooperation for my small rental property ( 2 story multi residential and commercial. ) My accountant said cooperation income tax rate is almost 50% (federal and Ontario) Is this right ?
CPP Contribution is a formula - www.canada.ca/en/revenue-agency/news/2023/05/the-canada-pension-plan-enhancement--businesses-individuals-and-self-employed-what-it-means-for-you.html 5.95% Employee contribution and 5.95% employer contribution up to maximum of $7508 in total ($3754 employer and $3754 employee) Not sure if this is the information you are looking for.
Thank you so much for this! Like the previous comment, I've been looking for this information EVERYWHERE. I only have 1 more question, though; is it possible to pay yourself in a combination of Salary (to maximise deductions) and Dividends (for the rest) in 1 tax year?
Very informative! It would be very helpful to know what the $7K CPP contribution would generate in monthly pensionable income taken at age 60, 65, and 70? This would depend on the specific individuals age and circumstances, but is there a formula to accurate calculate the future monthly pay out?
There's no generic answer unfortunately. The return on investment by contributing double just didn't make sense to me. Again, it's a personal preference. If you aren't contributing double, you need to set aside the money to invest in something else, rather than sending it away. Otherwise, it would almost be better to contribute to your CPP.
If you are the sole owner of the business, or related to the business by owning a percentage of it, unless you get EI rulings, we typically don't deduct EI. EI is employment insurance, meaning that if you get fired by the company, you'll get employment insurance. CRA is trying to prevent you, as owner of the business, to get EI. (You can't fire yourself just so that you can be benefit from collecting EI).
I am very confused. I want to invest extra cash leftover after paying for living expense in stock market. What would be a good strategy to minimize tax, should i take out least money from corp and then invest corp account money in stocks or should i take out more than i need for living expense as salary and then invest excess cash under my name. Which will reduce tax? how does corp earning tax if the corp invest in dividents and capital gain stocks? I would greatly appreciate if you can explain or maybe make a video on it. thanks
Hi Nomad, sounds like a very specific situation. Typically we would advise our clients to leave maximum in the corp, while keeping the maximum tax write off in your personal name. We wouldn't know what other personal situation that you might have to advise you a specific situation. You're welcome to reach out to my team at 416-548-4228 or email us at admin@cccpa.ca to assist you further.
Hi thanks for the informative video just one question what happens to the remaining cash in the corporation after taxes and dividends and if i chose to take them am i gonna pay taxes again if not is there anyway to do it without paying taxes and thank you again
Depending on your plans and goals, many of our clients invest within the corporation and hence use the personal tax that they would otherwise need to pay to invest for themselves. If you do decide to take the money out, there're various ways available potentially that can help you with taking money out on a tax efficient manner.
@@RealEstateTaxTips Have you a separate video on these various ways of withdrawing funds from a corp in an efficient manner (apart from paying dividends)? Many of us are now at a stage in life of no longer having active business income (and no small business corp tax rate) but rather dividends and interest income from accumulated earnings and corporate investments. These corporate earnings are now taxed at a much higher rate (and perhaps not recoverable?) and taxed again if distributed as dividends to the shareholder. Thanks for your thoughts.
@@RealEstateTaxTips Thank you for replying, however, I meant whether the revenue itself should include the GST/HST part. For example if I am charging 100 per hour and I am incorporated, should I actually be billing 100+HST/GST to my client? So essentially, total yearly revenue will be 200K + GST?
By paying yourself in dividends, would that have meant zero eligibility for owners compensation to be included in CEWS calculations during COVID? My understanding is no….
If you don't contribute to CPP, you won't get the maximum amount of CPP when you retire. It is purely based on how much you have contributed over the years...
You can only pay a dividend to the shareholder of the company. If you are director, not shareholder, director is not entitled to receive dividend from the company. For most small businesses, shareholders are also directors and are also the employees. If you are issuing a dividend, you can prepare a resolution in the company minute book to document your intention. You can also mark it on the cheque that it was meant to be for a dividend. Make sure you consult with your corporate lawyer as well as your accountant. As always, we're here to help if you aren't already working with one.
Hi Cherry, if a IT contractor incorporates, is it considered a personal service business ( taxed at 44.5 % in Ontario) or a small business (taxed at 13 %). There's only one director (100% shareholder) in the corporation.
Hi VP, PSB or not - it really goes back to your particular arrangement. If your IT contracts and responsibilities and how you perform on the job are more or less like an employee, then your corporation can be treated as PSB. However, if your arrangement and what you do is more like a subcontractor, then your corporation is taxed as a regular small business. Feel free to come in for a proper consultation with our team and we can help guide you through everything.
What would be the minimum amount of salary I need to pay myself to maximize the childcare expense benefits? I usually pay myself a dividend so I'm thinking to do a combined now after watching your video.
This depends on your child's age, which determine the amount of deduction you're eligible to claim... And gross it up best - but best to consult with an accountant that know your situation...
If you are referring to the Wealth Hacker Conference, you can simply visit WealthHacker.ca. We are currently running a promotion of 40% off with three of my books.
Hi. I want to join but I am not sure if I qualify to that conference. I was not referred to the conference and I have never known that kind of conference.
This is hands down THE best breakdown I have found online regarding Canadian small business taxation! Watch THIS!!
Thank you!
Agreed!
Agreed. This is exactly what I was looking for
the good thing about dividends also is that if you choose, you don't have to issue dividends so lets say at the beginning of the year, you estimated 100k was needed, but instead it is actually 80k. you have the freedom to be flexible. I contract in IT through my corporation so I am able to write off use of home and work expenses, which also helps me to stay flexible in the amount of dividends I actually need. Great video.
Absolutely. The flexibility part is also the key. Thanks for pointing it out!
Hi Muzammil
Is your corporation taxed as PSB (44%) or small business (12.5 %).
How many directors or shareholders you have in your corporation?
@@VP-gj6yz PSB ?
That was a very nice explanatory video. One question that is still bothering me is how to use the remaining money in the corporation? If you are a sole owner of the corporation and also the only employee, how can you use the remaining money or where and when can you use that money?
What would be the best way to get that money out and invested into an asset such that the overall tax rate comes out less than what it would have been if the business was set up as a sole proprietorship or the average tax rate on employment income? Could you please elaborate on this?
Great video! I worked for years as an employee as have a decent RRSP room. Now working as a self employed and deciding to pay myself dividends this year (I now dividends don’t qualify), do I still have the opportunity to put money towards my RRSP account on the first 60days of the next year and deduct from my personal tax side?
One variable that I have as to why a salary is that it allows me to have a HAWP account to help cover medical expenses for my large family.
how did u calculate the personal income tax on the dividend column? Thank you!
This information was very helpful! I really liked your example. Based on this, I think I will go with dividends. My business is more of a side hustle and I already have a FT job which gives me RRSP room (which I have not maxed) and CCB. This plus the fact that dividends are just so much easier to file!
Thanks for the advice!! Subscribed.
Thanks! Many of our clients choose dividend. There're reasons why people choose salary though. As long as you know your priorities...tax is only one of the many consideration.
This was excellent. Thank you! You are good at making things clear!
Glad it was helpful!
Tax on split income rules (TOSI) do apply to dividends. So they also have to be reasonable, especially if between ages 18-24. Passive income earned under age of 18 is caught by kiddie tax/attribution rule anyway.
Fantastic .Video ... if you are a small business owner you must set aside the 20 minutes to learn from Cherry.
Thanks Jeff, appreciate the compliment. Just trying to share what I have learned. Glad it's useful. 😀😀
Hi Cherry , Great video and superb breakdown. Please can you clarify on your example - how did u calculate the personal income tax on the dividend column? Why 11.16% on £126,500 on dividend method and not 43.4% ? Thank you!
What is the percentage to deduct for personal income tax under dividend?
Hello Cherry, great videos
Question: does paying yourself a salary incur a further cost for EI premiums?
You are just amazing. I learned a lot from you. There was a fire in my rental property. I received money from my insurance to fix the damage. Do i have to show that money as my income and then deduct the repairs? Please advise.
Thank you! I’ve been searching for a video that covers this for a few months, this is the only one that actually covers the details I’ve been looking for. Subscribed!
Glad this is useful. :)
what if you dont take a salary or dividend?
Thanks for the very informative video. I'd add the "insurance" component of salary in form of Disability CPP in case of an injury or sicknesses.
That's a great point! Disability insurance with CPP is huge.
is dividend viewed the same to lenders when it comes mortgage time ? .. would the higher marginal tax rate not make up the 6k in difference when it comes to utilizing your 147 vs 126 assuming your putting 18 percent or max into rrsp or resp or other personal deductions .
Thank for this video.
Why you didn't include the contribution to EI in your calculation?
Also, if you are in quebec, I think you must pay QPIP "Both employers and employees must contribute to the Québec parental insurance plan (QPIP)"
EI is generally exempt for owner employee - you can't fire yourself and claim EI so hence you're generally exempt, unless you get a ruling from CRA ahead of time to contribute
Thanks for the great video. I am just wondering how you calcuated the cpp as 3500$?
Very nice explained. Thank you!
Glad it was helpful!
Hi Cherry. Great video as usual! I started my own business (corp) and hoping to pay myaelf dividends. I will also have employees. How would i calculate pay and taxes for this situation?
If i already max out my CPP with my full time job do i save that 7k if i salary myself from my corporation?
Assuming you had the option to be incorporated (self employed) vs working for an external organization as an employee….what is the point of being incorporated if your corporation has to pay 12.2% in corporate tax and then when you pay yourself (via dividend) you still have to pay personal income tax on that dividend? Wouldn’t your corporation still be paying roughly around the same amount of tax as someone who pays personal income tax (around 35%) that isn’t incorporated and works for an external organization as a regular employee?
Such a great question. We often have the conversation with clients as to whether they should setup corporation or not. The reason why you would setup a corporation is the potential tax deferral benefit.
If you have to take all the money out from your corporation to sustain your life, then yes, no point setting up corporation.
If you don't need everything, you can have significant tax deferral opportunity.
@@RealEstateTaxTips thank you for the clarification!
Very informative and nicely explained 👏
Thanks a lot !
A huge difference is future CPP paid to the employee? With dividends the owner is not paying into CPP, they will collect less at retirement 60+ years old.
There will be nothing to collect.. the cost of living is so high that the CPP does not keep up with it... gotta work until you are 80 then die (while having paid into the CPP, EI,..).
Amazing wealth of knowledge. I am looking for an accountant. Can l use you?
Please contact us at realestatetaxtips.ca/contact-us/ and my team can guide you with the next steps. Thanks
Thank you. Straight forward and to the point video. Just one question - what is the downside when you want to buy a home and to get mortgage approval when you take the dividend.
This is more of a question for a mortgage broker rather than for us. A few years back, it was definitely more beneficial to pay yourself a salary over dividend. In recent years, it seems that most banks work with people who receive dividends.
Again, speak to a mortgage professional.
Hi there - can you touch on how "eligible dividends" would work here? Also factoring in if you have a spouse that doesnt work that you could give dividends to?
Great question - and hoping to do dividend tax implication as my next video topic. So stay tuned. Make sure you subscribe if you haven't already.
You are amazing! Thx for all the info - so helpful! 👏🏽👏🏽👏🏽
Glad it was helpful!
So the CRA is taxing the money twice if you take a dividend, I always understood that the tax has already been paid on that money so no need to tax again.
They give you a bigger tax credit on dividend income when you report them on your personal returns.
Why did you exclude EI payments from this calculation?
Hi Ben, thanks for asking. Great questions. Typically owner compensation isn't eligible for EI, as the owner has control over if, when and how much he/she gets paid.
They are also not required to remit EI as a result.
Unless, of course, if you are trying to get pregnant and get mat leave or parental leave, that's a different story.
If you doing this as a side hustle and still have 9-5 job if you pay yourself through divdends will it be added to our salary? I dont want to pay myself an additonal salary.
This is really a great video with so much information I have been looking for!
Glad it was helpful!
great content, Thanks for sharing, just the thing I was looking for
Glad it was helpful!
Very informative video thank you, I'm incorporated and I paid myself a dividend (I filled T2 and schedule 3 "part 3" taxed dividend paid) I filled T5 and claimed this against my T1 personal income with my spouse we file jointly. is there any other forms other than S3 to be prepared (the dividend was 2500 CAD) do I need a CDA or schedule 53, 33, and 23 and a resolution? T2 NET income tax was 6500 cad (very small business and first-year filing) please help and thank you.
I did the filing myself
Wish I could help, without knowing the entire business, and what you do for a living and what else is owned in the business, it is a bit challenging to tell you what you need to be filed.
Feel free to engage with a professional accountant to make sure you are in compliance with all government regulations.
Good luck.
Excellent explanation
Thank you!
Hi
I do have a cooperation for my small rental property ( 2 story multi residential and commercial. )
My accountant said cooperation income tax rate is almost 50% (federal and Ontario)
Is this right ?
Yes but there's also refundable dividend tax so it goes back to your own marginal tax rate.
Would you please tell what is the minimum CPP contribution by an employee per year? ..........
CPP Contribution is a formula - www.canada.ca/en/revenue-agency/news/2023/05/the-canada-pension-plan-enhancement--businesses-individuals-and-self-employed-what-it-means-for-you.html
5.95% Employee contribution and 5.95% employer contribution up to maximum of $7508 in total ($3754 employer and $3754 employee)
Not sure if this is the information you are looking for.
As a business owner, can I pay myself a combination of salary and dividends?
Absolutely. There're some reasons why you would want to do a combination as well.
Thank you for this Cherry! I shared it with my friends
Thank you
Can you do a combination of both?
Yes, many of our clients do
Thank you so much for this! Like the previous comment, I've been looking for this information EVERYWHERE.
I only have 1 more question, though; is it possible to pay yourself in a combination of Salary (to maximise deductions) and Dividends (for the rest) in 1 tax year?
Yes you can pay yourself a combination of dividend and salary.
Very informative! It would be very helpful to know what the $7K CPP contribution would generate in monthly pensionable income taken at age 60, 65, and 70? This would depend on the specific individuals age and circumstances, but is there a formula to accurate calculate the future monthly pay out?
There's no generic answer unfortunately. The return on investment by contributing double just didn't make sense to me. Again, it's a personal preference. If you aren't contributing double, you need to set aside the money to invest in something else, rather than sending it away. Otherwise, it would almost be better to contribute to your CPP.
@@RealEstateTaxTips Thanks Cherry!
What about the EI deduction for the salary scenario?
If you are the sole owner of the business, or related to the business by owning a percentage of it, unless you get EI rulings, we typically don't deduct EI. EI is employment insurance, meaning that if you get fired by the company, you'll get employment insurance. CRA is trying to prevent you, as owner of the business, to get EI. (You can't fire yourself just so that you can be benefit from collecting EI).
@@RealEstateTaxTipsHello Cherry, what about maternity leave? Can you pay EI so that you can have this benefit? Or in case of a disability?
Great video, if paying yourself Divedend do you need to write a cheque or can you pay yourself via etransfer?
e-transfer works, make sure you mark it as dividend and report it as such!
Where is EI in your calculations? Why was that excluded ?
If you are your employer, most likely you aren’t eligible for EI claim and so you don’t need to include it in the calc
I am very confused. I want to invest extra cash leftover after paying for living expense in stock market. What would be a good strategy to minimize tax, should i take out least money from corp and then invest corp account money in stocks or should i take out more than i need for living expense as salary and then invest excess cash under my name. Which will reduce tax? how does corp earning tax if the corp invest in dividents and capital gain stocks? I would greatly appreciate if you can explain or maybe make a video on it. thanks
Hi Nomad, sounds like a very specific situation. Typically we would advise our clients to leave maximum in the corp, while keeping the maximum tax write off in your personal name. We wouldn't know what other personal situation that you might have to advise you a specific situation. You're welcome to reach out to my team at 416-548-4228 or email us at admin@cccpa.ca to assist you further.
Thank you Cherry, these are amazing information.. 👍
You are so welcome! Glad it's helpful!
Hi thanks for the informative video just one question what happens to the remaining cash in the corporation after taxes and dividends and if i chose to take them am i gonna pay taxes again if not is there anyway to do it without paying taxes and thank you again
Depending on your plans and goals, many of our clients invest within the corporation and hence use the personal tax that they would otherwise need to pay to invest for themselves. If you do decide to take the money out, there're various ways available potentially that can help you with taking money out on a tax efficient manner.
@@RealEstateTaxTips Have you a separate video on these various ways of withdrawing funds from a corp in an efficient manner (apart from paying dividends)? Many of us are now at a stage in life of no longer having active business income (and no small business corp tax rate) but rather dividends and interest income from accumulated earnings and corporate investments. These corporate earnings are now taxed at a much higher rate (and perhaps not recoverable?) and taxed again if distributed as dividends to the shareholder. Thanks for your thoughts.
Do I need to charge GST/HST on top of hourly rate? Does your calculation include it in the business income?
No HST/GST implication when you pay yourself a salary or dividend.
@@RealEstateTaxTips Thank you for replying, however, I meant whether the revenue itself should include the GST/HST part. For example if I am charging 100 per hour and I am incorporated, should I actually be billing 100+HST/GST to my client? So essentially, total yearly revenue will be 200K + GST?
Amazing video. Thank you!
Glad it was helpful.
Wow! Great explanation.
Glad it was helpful!
By paying yourself in dividends, would that have meant zero eligibility for owners compensation to be included in CEWS calculations during COVID? My understanding is no….
Dividend income qualified.
Interesting, I stand corrected. Thanks.@@RealEstateTaxTips
What about if you have above 500k net and you lose a portion of the small business deduction. Lets say 650k net, how would that change the numbers?
Similar logic would still apply - except if it is dividend, you pay more tax in the corp, but you get a bigger tax credit in your personal name.
So the main difference is CPP, dividend no CPP to pay. If we don't contribute to CPP, we won't have retirement pensions, right?,
If you don't contribute to CPP, you won't get the maximum amount of CPP when you retire. It is purely based on how much you have contributed over the years...
How to mark payment as dividend when only Director is a employee
You can only pay a dividend to the shareholder of the company. If you are director, not shareholder, director is not entitled to receive dividend from the company.
For most small businesses, shareholders are also directors and are also the employees.
If you are issuing a dividend, you can prepare a resolution in the company minute book to document your intention. You can also mark it on the cheque that it was meant to be for a dividend.
Make sure you consult with your corporate lawyer as well as your accountant. As always, we're here to help if you aren't already working with one.
Is there a way I can take your services for tax payment?? I'm having a corporation
Hi, You can reach out to us on realestatetaxtips.ca/contact-us/ Thanks!
Hi Cherry, if a IT contractor incorporates, is it considered a personal service business ( taxed at 44.5 % in Ontario) or a small business (taxed at 13 %).
There's only one director (100% shareholder) in the corporation.
Hi VP, PSB or not - it really goes back to your particular arrangement. If your IT contracts and responsibilities and how you perform on the job are more or less like an employee, then your corporation can be treated as PSB. However, if your arrangement and what you do is more like a subcontractor, then your corporation is taxed as a regular small business.
Feel free to come in for a proper consultation with our team and we can help guide you through everything.
Can I pay dividends to someone other that a family member for work performed even if they don't own a part of the company?
Dividend can only be paid to shareholders
very helpful！thank you very much
Glad it is useful
What would be the minimum amount of salary I need to pay myself to maximize the childcare expense benefits? I usually pay myself a dividend so I'm thinking to do a combined now after watching your video.
This depends on your child's age, which determine the amount of deduction you're eligible to claim... And gross it up
best - but best to consult with an accountant that know your situation...
Thanks Cherry
Glad you like it
Hi. I want to save the sit. Could you send me the link please.
If you are referring to the Wealth Hacker Conference, you can simply visit WealthHacker.ca. We are currently running a promotion of 40% off with three of my books.
Hi. I want to join but I am not sure if I qualify to that conference. I was not referred to the conference and I have never known that kind of conference.
Amazing!
Thank you
Divendend? Seriously? Well that solidifies my confidence level.
Is there a spelling mistake somewhere? Thanks for pointing it out.