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Video instructions and help with filling out and completing Allowable vehicle expenses

Instructions and Help about Allowable vehicle expenses

Music hi I'm Debbie Peverill and you're listening to the weekly tip from Penn's financial training group today I'm talking about vehicle expenses and the ones that you can deduct on your personal tax return it being March and tax season there's a difference between receiving and allowance and being reimbursed so this applies to employees and if you receive an allowance from your employer say $200 a month or a week or whatever then that amount is taxable it's going to be added to your t4 and therefore it's going to be on your personal tax return as income you can then deduct your business expenses for using your car on your tax return so this means keeping your gas receipts your repairs and maintenance receipts your insurance everything to do with the vehicle and there's a form of course which you would fill in so when the allowance is taxable you can take a deduction for the business expenses if instead of getting an allowance you're being reimbursed which means you're getting an amount per kilometer that amount is not taxable and you don't have to make any kind of calculations on your personal return you're being reimbursed if that's the end of it then there's nothing to put on your tax return if however you feel that you're not being given enough money for your actual expenses then you can fill in the form all your gas receipts all of your insurance your repairs and maintenance and of course you have a mileage log which indicates how many kilometers you drove for business and how many kilometers you drove personally you then would subtract from this calculation the amount you're reimbursed if in fact your expenses the business percentage of your expenses is more than the reimbursement then you're entitled to a deduction so it's important for you to keep clear in your head if you're getting an allowance you're gonna pay tax on that so you might want to come up with some expenses so you can deduct those expenses if you're being reimbursed you don't necessarily have to do anything so keeping track of that will make sure you get all the deductions you deserve Music Music.


What are some of the strangest gun control proposals you can come up with?
Banning guns based on how they look versus how they function.Banning guns based on a projectile being 1/1000th inch bigger than others equally capable.Banning guns based on the diameter or markings on their barrel that have no bearing on its ability to function.Making existing gun owners wait 8 days to take possession of a gun as a “cooling off” period.Banning possession of sheet metal or plastic boxes with springs because these, after all, are some of the most dangerous objects on the planet.Banning and not banning aforementioned boxes based on the number of rounds they hold but allowing the exact same box to be sold legally if it possesses the correct markings on the bottom.Having a one-gun-a-month law to prevent gun trafficking or straw purchases but allow anyone a lifetime waiver of that restriction by simply sending a form to the state saying they are a collector. Any reason for collecting is permissible (“In the event of a zombie apocalypse” is an acceptable reason).Where you live determines your ability to own a gun in the same state.Telling victims of home invasion they are to be arrested and treated as criminals because of the property someone else took from them.Being so concerned about privacy rights that you demand any would-be gun owner waive their HIPAA rights for life to make sure they aren’t “dangerous”.Declaring 18 through 20 year olds children and barring them from exercising their right to own a gun. But that’s the only right they are too immature or unable to exercise as a legal adult at those ages.Compiling lists of guns and gun owners in the utterly illogical belief that a couple pieces of paper solves crimes.Banning the publication of computer code or plans for firearms that are freely available in printed form without restriction. Hating two parts of the Bill of Rights is pretty impressive stuff.Demand that we have noise dampening devices on vehicles and hearing protection on around machinery that can damage hearing in an instant as a public safety measure but regulate the same for firearms to the point it takes 9–10 months and Federal and State permission to own. And not all states will allow you to protect your hearing.Requiring a person to be fingerprinted, photographed and pra background check and at least two days of training at their own expense and submit the application within 3 days for a license to allow them to apply to purchase a handgun. It is not a “permit-to-possess” but merely a permission slip to fill out a form.Declaring that items meant to safely hold a firearm in order to use it are too dangerous to have fitted to a gun.Buttons are verboten.Changing the color or finish on a gun makes it illegal to sell as “unsafe”.Declaring any semi-automatic rifle an “assault rifle” regardless of age, caliber or feed type.Declaring a Marlin or equivalent tube-fed .22LR semi-auto rifle an “assault weapon”.Allowing anyone via hearsay to claim someone is suspicious or may have violent tendencies and have their guns taken away from them without Due Process.I can go on. And on and on. All strange and ones I could have never come up with on my own.Note for the Irony Challenged: Every single item on this list is an actual law or regulation in force today somewhere in the United States.
How will the transition to self-driving cars work?
The transition to fully autonomous cars should happen in 3 stages.Stage 1 - Limited autonomy that doesn't depend on data sharing.Stage 2 - Semi-autonomy that utilizes shared data.Stage 3 - Full autonomy with shared data, advanced sensors and (perhaps) high resolution mapping.Stage 1 is where we are today. Vehicles have various safety systems built with the basic technologies behind autonomous cars, like 3D camera systems and millimeter wave radar. Examples of 'stage 1' technologies:Lane keeping/lane warning systems, which help you stay in your line by controlling steering or warn you as soon as you leave (data that's determined by a camera system)Cruise control radar systems that let you set your cruise control to follow the vehicle ahead, slowing or braking automatically to avoid a collision.Cross traffic/blind spot detection systems, which use radar and/or cameras and/or ultrasonic sensors to "see" around corners, etc.The so-called "autopilot" system from Tesla (which is basically just a combination of lane keeping and cruise control radar), Distronic Plus from Mercedes-Benz, Hyundai's Auto Braking, etc. are all systems that combine sensors and programming to offer excellent safety and convenience features.Stage 1 technologies are affordable and powerful, and I look forward to the day when all new vehicles come with these features as standard equipment (they're likely to become federally mandated safety features this decade).Stage 2 is beginning, but we're 5-10 years away from meaningful market penetration.Essentially, stage 2 is V2X communications, which stands for "vehicle to x". "X" can be other vehicles as well as infrastructure. V2X will allow vehicles to share their position and course information with all the surrounding vehicles, as well as data from their onboard sensing systems. V2X illustratedThis, in turn, will allow vehicle software to build "models" of the world around them, filling in gaps with information shared by other vehicles as well as the roadway. V2X offers tremendous opportunities for improving vehicle safety, and it may be sufficient (when combined with stage 1 technologies) to offer nearly autonomous driving.In terms of market penetration, something like 50% of vehicles will need to have both sensing systems and V2X communication for the driving public to see a major shift. But even at low market penetration percentages, V2X and advanced sensing will save lives.Sidebar: V2X communications will need to be federally mandated to make any sort of inroads into the marketplace, and that's years away. Likewise, infrastructure needs to be upgraded to support V2X, and that's probably decades away.Stage 3 is a combination of V2X, and advanced sensors, and (potentially) high resolution map data.Google, Audi, M-B, Toyota, Honda, Ford, etc. etc. are all experimenting with stage 3 right now. All automakers (or almost all of them) are deploying high-priced LIDAR (laser radar) pods on their test vehicles, and then combining these high powered LIDAR systems with radar, 3D cameras, and (in most cases) high resolution map data. The vehicles are designed to be 100% autonomous without any sort of communication (eg no V2X), which would make them able to drive themselves down a rural road without any driver input or any shared data. These vehicles are also able to handle all weather conditions, something that 3D camera systems can't manage (snow and heavy rain cripple the effectiveness of 3D camera systems).Check out this older lidar pod on this Google Prius, which sort of looks like a single emergency light but is actually a $20k housing for a bunch of frickin' lasers.The technology for stage 3 vehicles exists today. The challenge isn't technological - it's cost. High resolution LIDAR pods are tens of thousands of dollars (some cost upwards of $80k). Lower resolution pods are "only" $8,000 a piece, but they're not really sufficiently precise enough for complete autonomy....Which brings us to map data. If you combine highly precise map data with good (but not great) LIDAR pods, radar, and 3D cameras, you get a highly autonomous car that's almost affordable enough for mass production. That's the technology that Google is pursuing - they're going to put "cheap" LIDAR pods on slow-moving cars, give these cars hyper-accurate maps, and then let people use them like taxis.The new Google car, with a "cheap" LIDAR pod, a lot of map data, and a 30mph top-speed. Google thinks they've got the future of the auto industry in their hands here, but I think the windows need to be tinted much darker. No one is going to want to be seen in this vehicle as-is.Audi, M-B, Tesla, etc. are all kicking around systems like I've described, which may or may not rely upon hyper-accurate mapping data. Of course, as V2X systems become more commonplace, the need for hyper-accurate map data decreases...vehicles can build and share their own real-time maps with V2X. There would be no need to store or download map data.Thus, it's possible that Stage 2 and Stage 3 will arrive at the same time...that we'll figure out affordable, full autonomous vehicles right about the time V2X becomes commonplace."But what about all those cars without self-driving systems? Are they going to ruin it for the rest of us because they're too technologically primitive?"Probably not. Autonomous cars will be able to measure what's going on in the world around them, so if the driver of the old-fashioned car decides to do something crazy and cut you off, your autonomous car will detect it and adjust. With V2X, your vehicle could identify vehicles that are on autopilot and vehicles that aren't, and then devote extra resources to checking the activity of the human-piloted vehicle just in case."What about bugs/mistakes in these systems that cause accidents (or worse)?"This is the question that makes me think autonomous cars might actually be 20 years away. Currently, if an automaker makes a safety mistake, they're severely penalized by the NHTSA and they're subjected to class-action lawsuits.If something isn't done to protect automakers from liability, I worry that anyone driving an "old fashioned" car can expect a massive settlement should they get into even a minor fender-bender with an autonomous car. A few billion-dollar class action lawsuit settlements could put a big damper on autonomous car sales."Will government embrace fully autonomous cars?"Not right away. We can expect the NHTSA to demand drivers sit at the steering wheel, hands at the ready to "take over" whenever they release their 1st set of standards. We can also expect NHTSA to demand that drivers are in the drivers seats of fully autonomous vehicles, especially commercial vehicles that do nothing more than haul goods on the highway (eg commercial trucks).Sidebar: Commercial trucks are ripe for automation. Truck operators can afford to invest in expensive autonomous systems, and the savings from eliminating a truck driver is substantial. However, I don't see NHTSA allowing trucking companies to send their 80k lbs big rigs down the road without a human at the wheel.Check it out - a self-driving Mercedes-Benz tractor trailer. You can bet that these vehicles hit the road sooner rather than later, as trucking companies will be happy to replace human drivers with computers (assuming the authorities and politicians will let them, of course).Summing UpA lot of very useful autonomous car technology is here today, and most of it is backed by radar and 3D camera systems. Automakers can do a LOT with what they have now, and I fully expect all vehicles will have things like lane keeping assistance, automatic braking, etc. in the next 5 years.But full autonomy, LIDAR systems and hyper-accurate maps are at least a decade away from production. And cars that drive us everywhere we want to go no matter what, with no help or concern from us humans? 15-20 years seems reasonable to me.
What is it like owning a Model S? I'm not talking about just driving it. What makes this experience novel versus buying/owning your previous vehicle(s)?
I could probably have made a much longer list, but I'll leave you with a few of the more memorable differences that have nothing to do with the driving (which would require a huge post  just to cover that):Purchasing: I have bought quite a few cars in the past, and dread the dealership experience. I've never been able to buy a new car in under two hours (I have managed as little as an hour on a used car). I particularly can't bear how they make it as hard as possible to understand how much you are paying for each item, while subjecting me to a salesperson, his/her manager, and sometimes (for added fun) the dealership owner while we get various things approved. I've enjoyed dental surgery more. Here is my purchase experience for the car: 1. Test drive in the middle of a snow storm (4" of fresh snow) before it was plowed (the rep challenged me to try and make it spin out... I failed) (20 min.), 2. Discuss the 1 feature that was unclear to me before making my selections (5 min.), 3. Register the order online (4 min.)... and DONE. 29 minutes. Now, to be fair, people often test drive one or more times... so the only part we really need to compare to get an apples-to-apples comparison to my best ever dealership time (1 hour for a used car) versus the Tesla time ( 5 + 4 = 9 minutes). I could have done it from home, but I was coming in to the dealership anyways because I wanted to test the car under the hardest conditions I could find. And while the price range was steep, I at least know that every single other purchaser pays the exact same price, so I didn't fail to negotiate the imaginary best possible price for once,"Filling up": Some people discuss range anxiety. I haven't had this problem. I drive 4,000+ km (2,485 +mi) a month. On my busiest day (not counting road trips between provinces), I did 370 km, which was less than the 80% charge I normally have on the vehicle in the morning. (Important note: many owners don't even charge their vehicles to 100%, allowing the battery usage to rotate.) What does this mean? I don't have range anxiety. I come home at night, I plug it in and when I wake up, the car has more than enough to get me through my day. Actually, when I'm being a bit more conservative, I can go days in between charges, but this is the real worst case: if you're not driving cross-country, you're not going to "fill up" during a day again. I live in Canada, and after last winter's "polar vortex", I can't say I miss standing outside filling up my car with expensive gas while my extremities were freezing solid,Capacity: To be honest, when I bought the car, I hadn't really seriously considered how much storage space there is in a Model S. But a crowd actually assembled around the car at the hockey rink. Why? You go to the back and open the trunk. There's this great big flat expanse. My husband loaded two full hockey bags, 4 sticks and some overnight bags on top. Still not full. There was a compartment under the flat bit where he'd stored an emergency kit, some blankets and other odds and ends, but the crowd hadn't seen that part. They were mostly amazed but the fact we got two hockey bags in at all... let alone kept going. It got funnier. He then went around to the frunk (front trunk) and proceeded to fill it with cases of beer and a small cooler. Then you stuff 3 adult males in the back seat in winter jackets. There was a guy driving (I kid you not) a Lincoln Navigator staring at our 4-door sedan with a frown on his face, trying to figure out (I imagine) why he was paying so much for a gas-guzzling beast with similar storage,Cell phones: My husband and I share the vehicle, which means that often one of us is on public transit or waiting to be picked up as we navigate our lives. We used to phone each other, checking to see when/where we'd meet and why are you late and so forth. That's pretty much stopped entirely. Why? I have an app on my phone, iPad and both my home and work laptops. I can see where he is in the car, and how fast he's going, and there's no point in calling to ask why he's late... I can see the traffic and him crawling along the highway. I know where he is, and when he'll turn up (or vice versa).  During a flash flood that took out a number of sections on a highway I knew he was driving with accidents and floating vehicles, I was perfectly calm, and didn't have to call him. Why? I could see that he'd diverted to side roads uphill of the flood, and was driving slowly along. He's fine... no need to bother him,Sharing a car is easier: My husband and I have very different proportions. In other cars, if I wasn't paying attention, I would bruise assorted bits trying to get in before I remembered to pull the seat back. The Tesla switches the seat, side mirrors and steering wheel all around to "my" settings at a touch of a single button. I believe that this will get only better over time as Tesla continues to update the GPS, radio, Internet and other features to recognize the difference between my driver profile and his, andService: On three distinct occasions, my husband has made a comment on a Tesla-themed (but not owned) message board that could be construed as a complaint. He didn't send it to Tesla, and it wasn't bad enough to make it worth while to call the local service centre. Ironically, this didn't matter: in less than 24 hours, each time, the local service centre called us voluntarily to book an appointment to look at the issue at OUR CONVENIENCE. What? Huh? Since when does the manufacturer care how I feel, let alone go out of its way to make me happy? That on it's own is hard to imagine, and when you add to it that they picked the car up, fixed the minor annoyances for free, and brought the car back all at our convenience? I'm blown away.
What kind of advice would you give to a 24 year-old male?
“What kind of advice would you give to a 24 year-old male?”She wants the guy with the expensive car. She's not worth your time.Stay away from credit cards. They can ruin your life. If you feel you need to have one, and you use it, pay off the balance completely, every month, on time. Every time. The only things you are allowed to buy on a payment plan are a vehicle and your home. Otherwise, if you have to buy it on credit, in order to own it, you probably don't need it.Save for the possibility of a job loss as well as for a future unexpected purchase of something you need (like new furnace or heat pump, major car repair). Keep the accounts separate from each other.Don't live beyond your means.Don't marry someone who lives beyond her means.Don't marry someone who loves credit cards.Stay away from the woman who always wants you to buy her things. There are women who don't need things to be happy.Avoid women who scream at the sight of spiders, snakes, mice, whatever. It gets annoying quickly. There are practical women who'll mash the spider or put it outside, will pick up the snake, who used to have a pet mouse.No matter if she says she's on the pill, or using an alternate form of birth control, use a condom. Some women will lie about it, and you'll be paying child support for 18 years.Learn about basic home maintenance.Learn how to clean out a U-trap.Learn how to unclog pipes without using chemicals.Learn how to change a faucet, fix a leak.Learn how to replace the insides of a toilet tank.Learn how to replace the shower head.Learn how to put together furniture..Learn how to ask for help.Learn basic car maintenance, how to change wiper blades, add oil, add wiper fluids, change a tire, add air.Clean your house. Dust. Clean bathrooms. Do laundry. Iron, if needed.Learn how to repair a hose.Learn simple wood working. It's easy, and you can save a lot.Learn how to patch a wall.Painting is easy, and a lot less expensive than hiring someone to do it for you.Installing flooring is pretty simple. Hire someone to do to the carpet installation. Those knee kicker things are murder on the knees.Learn how to do simple sewing, or more extensive if you enjoy it.If you find a single woman and the two of you can talk together about anything, without getting tired or bored, keep her. It's a hard thing to find.Learn how to change a diaper, rock a baby to sleep.When you have kids, remember it's not just her job to take care of them. It's both your jobs. It took two to make the baby. If she stays home with the kids, let her have some alone time. It's an exhausting job she can't escape, and she needs a break. Fill the bathtub with bubble bath, pour her a glass of wine, put her favorite music on for her, and send her in with orders not to come out until she's had a chance to relax and recharge.Cook dinner once-in-a-while.Make arrangements for a sitter, and surprise her with an occasional night out.Sex toys can be fun. Just don't keep them where the kids will find them.When you think you've found the perfect woman, run a credit check on her.Remember, her being your wife does not mean she is your slave. She is your life partner. You work together equally.Oh, and if you play for the home team, just change the gender. It still applies.If your partner has an annoying habit now, no matter how little, as time passes, and familiarity grows, that annoying habit will turn into a major annoyance that will drive you nuts.There are probably many more things I could write, but this is a good start.
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