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Canada – Can I Deduct Home Office Expenses During COVID-19?

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As a result of the COVID-19 pandemic, many employers have been forced to lock down their offices, plants, and other business locations. To the extent possible, many employees are now working remotely from their homes. As outlined below, this may provide for a tax reduction opportunity for many Canadian employees in 2020.

Qualifying Conditions
An employee earning salary or commission income may deduct home office expenses that relate to the use of a workspace in the employee’s home if the employee is required to pay for these expenses under his or her contract of employment. The home office expenses must be used directly in the employee’s work, and no costs can be deducted that were or will be reimbursed by the employer. Furthermore, one of the following two other conditions must be met:

  1. The workspace is where the employee ‘principally’ (more than 50 percent of the time) performs the duties of his or her employment, or
  2. The workspace is used ‘exclusively’ for the purpose of earning employment income, and it is used on a regular and continuous basis to meet with customers or clients while performing employment duties.

Note that with respect to the first condition, ‘principally’ is generally determined over the course of the full period of employment in the calendar year rather than just the part of the year the employee is required to work from home. In the current COVID-19 pandemic, if employees are only required to work from home for less than 50 percent of their time with the employer during the calendar year, they may not be able to deduct their home office expenses.

Note that under the second condition, unlike the first condition, which permits occasional use of the workspace for other purposes by the employee or family members, the workspace must be used exclusively for work. The Canada Revenue Agency (“CRA”) takes a view that ‘meeting with customers or clients’ generally means a physical, face-to-face encounter of two or more people. However, the CRA recognizes that some informal Tax Court of Canada (“Tax Court”) decisions have held that this phrase may include meetings held by phone, although the CRA stresses that informal Tax Court decisions are not binding. Therefore, in the current COVID-19 pandemic, virtual meetings through Zoom or other software applications may not be counted for purposes of the second condition. However, this is subject to the CRA’s interpretation.

Eligible Home Office Expenses
If the above conditions are met, both salaried and commission employees may deduct electricity, heat, water, maintenance, home supplies, minor repairs, and rent as home office expenses. Employees earning commission income can also deduct insurance and property taxes. Mortgage interest and capital cost allowance are never deductible as home office expenses.

In calculating the percentage of home expenses that are deductible, an employee should use a reasonable basis such as the square footage of the workspace area as a proportion of their total home. However, it may not always be appropriate to use a percentage to allocate a portion of the costs to an employee’s home office expense. As an example, if the expenses paid (such as cleaning materials) were to maintain a part of the house that was not used as a workspace, none of those expenses should be reported as a home office expense. On the other hand, if maintenance costs were incurred only for the workspace, then all or most of the expenses should be included as home office expenses.

The amount of the home office expenses that an individual can deduct in a tax year is limited to the amount of employment income the individual received in the year. If the expenses exceed the employment income earned in the year, the employee can carry forward those expenses and deduct them in the following year against employment income received from the same employer.

Supporting Documentation
Employers will need to complete and sign Form T2200 – Declaration of Conditions of Employment stating that the employee was required to maintain a workspace at their home. This form is not filed with the employee’s personal income tax return, but rather must be kept on file should the CRA request it. By signing the Form T2200, the employer certifies that the employee meets the conditions prescribed in the Income Tax Act. However, note that Form T2200 is not conclusive or determinative, and if the employee is audited, the CRA will look at all available evidence to conclude whether the requirements of a home office have in fact been met.

Employees have the responsibility to track each of their home office expenses. They must be able to produce corresponding receipts to support each expense should they be requested by the CRA.

How to Report Employee Home Office Expenses
Assuming you meet the qualifications to report your home office expenses, you have a signed Form T2200 on file from your employer, and you have produced a summary of your home office expenses incurred during the calendar year (with corresponding receipts), you should report your home office expenses on Form T777 – Statement of Employment Expenses, which will be filed along with your Canadian personal income tax return.

If you would like to discuss your specific situation with us, please contact your Cardinal Point financial advisor at your earliest convenience. We wish you all a happy and healthy quarantine!

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Keep Your Eyes Well Hydrated To Prevent Dry Eye Syndrome!

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6 Tips for Healthy Eyes

Due to the stressful life of individuals and extended working hours, they tend to suffer from a lot of illnesses such as dry eye syndrome. Dry eye syndrome occurs when your tears are not able to provide adequate lubrication to your eyes. It can also be caused when the eye glands do not produce enough tears, tears evaporate too quickly, or the quality of produced tears is poor. The instability of tear production may lead to inflammation and have harmful effects on the surface of your eyes.

Individuals suffering from dry eye syndrome feel redness, sting, or burn in their eyes. Moreover, the common causes of dry eyes include:

  • Prolonged airplane Journeys.
  • Sitting in an air-conditioned room.
  • Riding a bike.
  • Prolonged working hours in front of a computer or a screen.

The treatments of dry eye syndrome can initially include major lifestyle changes and washing your eyes with cold water regularly. However, if the symptoms do not subside, it is advisable to see the doctor immediately.

Let us check out the common symptoms of dry eye syndrome:

  1.  Scratchiness
  2.  Burning sensation
  3.  Blurred vision
  4.  Redness
  5.  Production of stringy mucus
  6.  Inflammation

What are the common causes of dry eye syndrome?

1. Using screen for a long period of time

The environment and working hours of some individuals require them to work on computers for long hours. This leads to eyestrain and headaches and also affects their tear production resulting in dry eyes. This is because individuals working in front of the screens tend to blink their eyes quite less, leading to quick tear evaporation. Therefore, blinking more frequently can also enhance tear production and keep your eyes hydrated. The lubrication due to blinking prevents irritation and dryness. Furthermore, if you are bound to work on a computer for long hours, it is advisable to look away after a certain period of time and blink your eyes to re-wet them.

2. Deficiency of Vitamin A

Consuming adequate amounts of Vitamin A present in carrots, spinach, broccoli, eggs, etc., keeps your eyes healthy. Individuals consuming a Vitamin A deficient diet can suffer from various eye-related issues such as vision impairment, blurry eyes, night blindness, and much more. Even after consuming enough vitamin A in your regular diet, the eye problems do not improve, it is advisable to see a doctor immediately.

3. Dehydration

Hydrating your body is highly essential to prevent it from catching diseases such as dry eye syndrome. Not drinking enough fluids can lower your body energy and make you feel dizzy and lethargic all the time. Furthermore, cold climates, low humid environments, or heavy winds also evaporate the tears leading to dryness in the eyes. Therefore, it is advisable to wear sunglasses in such weather conditions to keep the hydration of your eyes intact.

4. Autoimmune Conditions

Certain autoimmune diseases such as diabetes, arthritis, etc. Main Safar true insufficient real production. However, proper care and medication under the supervision of a physician can help to get rid of the symptoms of dry eyes.

Furthermore, Infections or allergies can also lead to insufficient tear production or eye hydration, making your eyes inflamed, itchy, and red. If you experience any of the above-mentioned symptoms not subsiding, it is better to see an expert physician for proper dry eye treatment.

Neglecting a certain disease or symptoms can only aggravate it and harm you in the future. It is better to pay your visit to an eye doctor’s clinic to start with further medication and treatment of dry eye syndrome.

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4 Smart Reasons Why N95 Face Masks Should Be Your Best Pick

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, N95 face masks made in USA

Healthcare providers and organizations trust N95 face masks made in USA a lot. It is one of the most trustworthy respirator types all over the world. This is because it offers effective protection than other medical masks. And filters out almost all the small and large particles in the air being inhaled.

With the emergence of the 2020 pandemic, many face masks have been manufactured and circulated around the market. However, N95 face masks made in USA have proven to be the best of all. Have you ever wondered what makes them so? Well, many people don’t know what make N95 face masks one of a kind.    

Today we’ve gathered 4 smart reasons to why N95 face masks should be your best pick. We have highlighted the major features that make N95 masks as the best choice when it comes to face coverings. So, let’s begin.   

95% protection

The alphabet “N” in the N95 represents the respirator ratting letter class. It means “non-oil” which means that the mask is effective against non-oil based particulates. And 95 means that it has a 95 percent working efficiency. It can filter 95% of the germs or harmful particles present in the air you breathe. Also, the size of the filters present in N95 face masks made in USA is 0.3 microns and it can even filter out dust, fumes, and mists easily.  This high-quality mask assembly make it one of the best face coverings for protection against COVID-19.

Exhalation valve

N95 face masks has non-woven polypropylene fiber as the filtration material. Also, these masks come with exhalation valves. These valves are very important for reducing exhalation resistance and makes breathing way easier. You can easily breathe in and out without any moisture or CO2 building inside the mask. If this valve isn’t present, breathing through the mask might be difficult and moisture and CO2 gathered inside can damage the mask as well.     

Excellent fit and protection

The excellent fit of the N95 masks prevents air, respiratory droplets of the wearer and other potential germs from flowing freely around the mask’s edges. In this way germs are more likely to be captured by the mask and chances of infection are reduced to a great extent.

For an excellent fit, N95 face masks made in USA come with nose wires, mask fitters and braces. Nose wire is basically a metal strip along the mask top that usually comes over the nose. It helps to prevent the leakage of the air and fogging of the eyeglasses. Secondly, mask fitters and braces are also present to strengthen the mask fit. This good fit is essential for enhanced protection by N95 masks and shall not be compromised anyway.

NIOSH approval

N95 face masks made in USA are approved by NIOSH or National Institute of Occupational Safety and Health. It is a federal agency, in the United States, responsible for conducting research and making recommendations for the prevention of work-related injury and illness. CDC and other big organizations strictly instruct to use masks that are approved by NIOSH because they’re guaranteed safe and effective to use.

If you are looking forward to buying N95 face masks made in USA, we recommend you visit medicalsupplyall.com. They have masks from almost all the top-rated brands and will never disappoint you with their high-quality products! So, don’t waste your time and hurry up!   

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Are anabolic steroids legal in the UK?

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Vicodin online for stress relief

Anabolic steroids are also known as performance-enhancing drugs are consumed by a number of people for enhancing their performance or for medicinal purposes. This is more popular with athletes for improving their performance and muscle mass. However, if misused it may have dangerous side effects also.

What are anabolic steroids?

The anti-inflammatory medicines are steroids while anabolic steroids are used by athletes for enhancing their appearance. Anabolic steroids are Class C drugs and therefore it is absolutely legal to possess the same. But the anabolic steroids should be consumed through prescription only. However many people do consume it even without medical advice.

Anabolic steroids are popular among people for improving muscles and athletic performance. The function also comprises have an effect on the hormone testosterone. Normally people get the drug injected into the muscle but it can also be consumed orally in tablet form and also applied to the skin through gels and cream.

Are Anabolic Steroids Legal in the UK?

Anabolic Steroids are categorized as Class C drugs in the UK and hence one can buy steroids UK legally from a pharmacist with the help of a prescription. The people can legally possess the drug but if anyone is found selling or supplying the drug then that is an offense under the law. Supplying also includes giving the drugs to friends or delivering them. 

If anybody is found guilty of selling, supplying, or delivering the anabolic steroid then the person can be imprisoned for up to 14 years or even can be charged an unlimited fine or penalty. 

In fact, even some professional sports have banned the use of steroids by the sportsperson and they are tested for such consumption. 

Side Effects of Anabolic steroids

Though Anabolic steroids are safe to consume but take them in excess may cause side effects. It may have an impact on the body and change the same which may have dangerous effects.

Some of these side effects include

  • Reduction in sperm count.
  • Infertility.
  • Shrunken testicles.
  • Erectile dysfunction.
  • Baldness.
  • Enlarged Chest and Breast.
  • Risk for developing Prostate cancer.
  • Severe acne.
  • Stomach pain.
  • Swelling of the clitoris.
  • Deepened voice.
  • Increased sex drive.
  • Problems in menstrual period.
  • Hair loss.

There are some other risks involved also such as high cholesterol, blood clots, liver tumors, strokes, heart attacks, etc. If the needles are shared, it may also create other risks such as damage to veins, HIV, hep C, hep B, etc.

Alternatives to anabolic steroids

Anabolic steroids do have natural and healthier alternatives such as healthy diets rich in proteins, healthy fats, and minerals. Also, a planned workout focusing on biceps, quads, triceps also work wonders. It is recommended that natural fibers, food, healthy diet, workout sessions, healthy routine be followed to achieve the target.

Final Thoughts

It is also observed that the continuous and prolonged consumption of the anabolic steroid leads to addiction. And when they stop suddenly taking the steroids they do experience withdrawal symptoms such as aggression, hallucinations, maniac behavior, mood swings, and other psychological risks. 

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What Are the Causes of Heart Failure?

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What Are the Causes of Heart Failure

Are you wondering about the causes of heart failure?

Keeping your heart healthy and strong is essential. A strong and healthy heart will not only keep you alive but will also help you live a good quality of life. Failing to take care of your heart can lead to a variety of issues that ultimately result in heart failure. 

This is a common problem that affects more than 60 million Americans

Fortunately, by knowing the causes of heart failure, you can avoid the problems that will lead to heart problems. If you are wondering how to stay healthy and strong, here are the common causes of heart failure. 

High Blood Pressure 

One of the most common causes of heart failure is untreated high blood pressure, also known as hypertension. This is caused by pressure in the blood vessels that make your heart pump harder to keep your blood circulating. The extra effort wears down the heart and causes the heart chambers to weaken and widen. 

If you are interested in understanding the different types of hear failure, read this article. 

Severe Lung Disease 

Another common cause of heart failure is severe lung disease. When your lungs are not working properly, your heart has to make up the difference. Your heart has to work that much harder just to pump oxygen to the rest of your body. 

Sleep Apnea 

One of the major causes of heart failure is sleep apnea. This is a sleep disorder that causes pauses in your breathing while you are sleeping. Sleep apnea can lead to a variety of issues that cause heart problems, such as high blood pressure, diabetes, and stroke.

Obesity 

Obesity causes a variety of health problems, such as high cholesterol, high blood pressure, type 2 diabetes, and more. Obesity also increases your chance of heart failure. When you are carrying too much weight, your heart has to work harder, which can ultimately cause heart failure. 

Arrhythmia 

Arrhythmia is a heart condition that is also one of the common heart failure symptoms. This is a condition that causes abnormal heart rhythms. This irregular pumping for a long period can eventually cause your heart to fail. 

Heart Attacks

Have you experienced a heart attack? Then you are susceptible to heart failure. This is because the heart is weakened from the attack and cannot pump blood as well as it should. 

Coronary Artery Disease 

Coronary artery disease is a condition that causes the hardening and blocking of the arteries. This results in obstructed blood flow, high blood pressure, and heart attacks. Eventually, coronary artery disease can cause heart failure. 

These Are the Common Causes of Heart Failure

There are several common causes of heart failure you need to watch out for. 

One of the most common causes is untreated high blood pressure. Your heart can also fail due to severe lung disease, sleep apnea, and obesity. If you have experienced past heart attacks or have coronary artery disease, you are also at risk for heart failure.

If you notice any of these symptoms, contact a doctor immediately.

Don’t forget to browse our site for advice on business, health, technology, and more.

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HOW TO CONTROL DIABETES WITH AYURVEDIC MEDICINES

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Diabetes is a common condition that interferes with the body’s ability to break down glucose or blood sugar. Millions of people undergo the miseries of this disease every year. The troubles have augmented because of sedentary lifestyles. The sluggish behavior has caused a further increase in these numbers. 

Diabetes can also trigger other critical difficulties, such as sensitivity to heart diseases. Nearly 2.2 billion people die every year due to high blood sugar levels. People who are overweight and avoid exercising are more prone to contracting Diabetes. While general medication is efficacious, Ayurvedic medicine for Diabetes has proven significant breakthroughs.

Ayurvedic medicine for Diabetes adapts a more holistic approach that curbs the intake of extensive medication. It suggests modifications at an introductory level to rejuvenate the body and support overall good health. Treatment of Diabetes in Ayurveda is salubrious as they employ the use of more and more natural elements. 

TYPES OF DIABETES

There are few types of diabetes and 3 different types of Diabetes are:

1) Type 1

Also known as juvenile Diabetes, it transpires in a situation where the body is producing insufficient insulin. Sufferers rely on medication to produce artificial insulin that encourages their survival.

2) Type 2

Type 2 directly impacts how the body uses insulin. The body is producing insulin; but, the cells react inefficiently to it. It is the most common type of Diabetes and leads to obesity.

3) Gestational Diabetes

It happens among women during their pregnancy. During this period, the body becomes less responsive to insulin, culminating in Diabetes. It does not necessarily appear in all women and recedes after giving birth. 

TREATMENT WITH AYURVEDA

Ayurveda attributes Diabetes as Madhumey, which signifies ‘sweet urine. Their solutions are more home-centric and focus on making lifestyle adjustments. Ayurveda’s part in treating type 2 Diabetes is contributory. It is highly prolific and leaves a footprint. 

Their treatment focuses on exercise, weight management, herbal supplements, and other procedures. They attempt to balance the doshas to bring the hemoglobin levels to a moderate level. Ayurvedic medicines possess elements that are beneficial for our body and keep the symptoms at bay.

Remember that medication alone cannot eradicate a stubborn disease like Diabetes. It enhances immunity and boosts health, but it works in tandem with your routine. 

Until you obliterate unhealthy eating habits and include Amla, Jamun, Mango leaves, Curry leaves, fenugreek seeds, Bengal gram, and bitter gourd in your diet, you may not see effects. Individuals must also sleep timely and get enough exercise. A combination of these activities together will help in eradicating Diabetes.

They detoxify your body and discern the root cause. It also protects against other diseases that may attack our bodies in the future. 

CONCLUSION

Ayurveda relies on the belief that medication individually cannot annihilate any malaise. It is a consistent balance between numerous factors that store the harmony of doshas and cultivate good health. Sufferers must prioritize rest, as stress is a cumbersome trigger for Diabetes. When allopathy becomes overwhelming for people, using Ayurveda can be of considerable help. 

Indian spices are replete with health benefits specified by Ayurveda. We are blessed to reside in a nation that celebrates a myriad of spices. India is facing a considerable challenge in battling the expanding numbers of people Diabetes patients. It is imperative to get evaluations done regularly in the presence of any physical manifestations.  

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