Monthly Archives: August 2017

CRA gives seniors short shrift

It used to be important to get your annual tax returns in on time. Then it could take up to six weeks to get your Notice of Assessment – to find out if you did your returns correctly and if you owed more or less or were getting a return. Not anymore. Now the CRA is saying to wait eight weeks.

But that’s not correct. A friend of mine who is a senior filed a few days before deadline and she just got her Notice the first week in July – that is one week later than eight weeks.

But my situation is worse. I had to phone the CRA customer service line and did so July 11. Here is my story.

I mailed my tax returns for 2016 on April 28 (our deadline was May 1, 2017 because April 30 was on a weekend). I sent the returns Priority Post with a signature required. They arrived on time and there was a signature. Because I tracked it online I was able to print out the signature before it disappeared at the site a few weeks later. I also had my mailing receipt from the sub-post office. So I had proof of filing on time,

Nothing had arrived in my mailbox and so July 11 I made my phone call. The customer service person was good. She checked and found that the last entry they had for my tax returns was that it had been inventoried as received the third week in May (three weeks after they received it). She suggested she do a Status Enquiry which is basically what it says  and is a reminder that the clerks who are checking the returns better get off their asses and go through the return. She said it could take up to four weeks and then I should get my N. of A. So I authorized her to do so.

Nothing happened for weeks. As the one month deadline approached, I again called the CRA customer service and the fellow there checked the status. My return and notice of assessment would be completed August 11 and then mailed to me.

August 11 is exactly one month after the Status Enquiry went in.

I received my N of A Tuesday, August 15. As I had figured out I owed no money and was getting nothing back – everything in that area is a big fat zero. I was a few dollars out in my calculations. But I am still living below the poverty line.

But the kicker is a lot of the extra seniors’ funds I get from both the federal and provincial government depends on this Notice of Assessment. No Notice of Assessment by mid-July and I don’t receive (if only temporarily): my Ontario Government Energy and property tax monthly grant payment, and from the Federals the quarterly HST/GST tax rebate, my Ontario Government Seniors Grant – a lump sum of $500. you can get once a year if you apply for it, which I did. I also lost the GIS (Guaranteed Income Supplement) which with my low income I had become entitled to. And my Ontario Drug Plan for Seniors (provincial) ran out the end of July and I got notice I would have to re-apply because they hadn’t received my Notice of Assessment from the CRA. That was the same reason for the GIS stopping and I have to re-apply. I have re-applied for the drug plan – at least the application time deadline is the end of September. The rest I am supposed to get at some point in time. I still have my meagre Canada Pension Plan money and the actual Old Age Security payments coming in.

In the meantime, excluding the lump sum for seniors and the quarterly GST rebate, since July I have been receiving $500 less a month. Fortunately in July, two editing clients paid me installments for work I am doing so that has carried me over to mid-August. But the bills keep coming in including the big quarterly water and waste utility bill. I am not taking holidays this year – I can’t afford to travel.

Now, I’m living on a few hundred dollars until the next CPP/OAS payment the end of this month – plus all the other money I’m waiting for.

But I’m not holding my breath. In fact, I’m going to exhale all the way down to my federal MP’s office to complain. Clearly the timeline for CRA vis-a-vis seniors payments has to be extended if they can’t get the tax returns processed even within their own timelines.

So, I ask you: is the CRA (Canada Revenue Agency) short changing seniors?

What do you think? Please comment.

Cheers.

Sharon

Only Child Writes

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Filed under 2016 and 2017, finances, Old Age pensions, Only child, Seniors

Only child’s take on dining out(side)

Only Child with Mom in the backyard

In the stifling hot days of summer, my mother would haul out the whole paraphernalia for our family of three to eat outside in the summer. This was back in the late 1950s and early 1960s when air-conditioned homes were not the norm. But at suppertime, our backyard had shade.

So, with some help from Dad and me, and several trips – from the kitchen, down the side stairs, out into the driveway to the backyard went a small card table, three chairs, table cloth, serviettes, cutlery, plates, and all the dishes of food – depending on what we were eating. And yes, it was often hot food. But the entrance to the backyard was inviting – an archway of red roses.

Only Child’s Dad under the backyard entrance

It was enjoyable eating outside in the breeze. But when even the temperature in the shade rose too high, mom used her backup plan – eating in the basement. Before the basement renovation, we would sit in our own private dining room with black floors, huge cement pillars, a furnace turned off for the summer, the old coal bin (which remained after the switch to oil heat) and mother’s pride and joy – her root cellar where all her canned jams, pickles, green tomatoes and the like were stored.

You could say it was all a labour of love combined with necessity – either roast or eat the roast, be cool or sweat.

But Mom had a dirty little secret, one which was shared among some of the women on her side of the family.

Except for cooking, canning and sewing, my mother hated housework.

I don’t recall her even doing a weekly housecleaning, except for laundry and it got hung out (even sometimes in winter) until she purchased a clothes dryer. But vacuuming and dusting, cleaning bathrooms, etc.? Only if company was coming.

Then it was the big hustle to make everything neat and clean. Put away in closets and drawers were all her sewing paraphernalia – including the portable machine. You see, the home for all of that was the dining room table. And we needed that for the dinners for company. Company was mostly family and some friends. Mom did love to cook and bake and our family loved to eat.

But cleaning the house. Not in our genes.

And I think this dislike, even hatred for doing housework, is in the genes. I can’t find any scientific proof, so I will use anecdotes. My mother’s youngest sister , my godmother, was the same – loved to cook and bake, garden, and can, but clean? However, my godmother was a farmer’s wife, so there was lots else to do that your average housewife of the 50s and 60s didn’t do. But that doesn’t explain one of my Detroit Michigan cousins – who loved to sew and cook but hated to clean.

Are you getting the picture?

As for me – well I love to cook and garden, but freeze and dry garden vegetables and fruit (sometimes from the Farmer’s Market, not just my garden). I used to like to sew but lost interest over the years – I blame that on other interests taking over, lack of sufficient time, but also bad eyesight. When I am forced to mend an item of clothing, I can take more time threading the needle because I can’t see the hole, than actually mending. And this from a woman who made all her maternity clothes and used to quilt by hand.

As for the weekly housecleaning – some of it gets done – the laundry, changing bed-sheets, clean kitchen counters and sinks, and vacuum or mop. Dusting? Maybe every six weeks – to borrow a friend’s phrase “too much work.”

But nothing beats going outside on the veranda or in my backyard patio to eat my meals. I have it easier than Mom. Sure, for the backyard, I have to use a side door like Mom. But there is a patio table and umbrella already out there, so it is just bring out the food, sit down and eat. And breathe in, feast my eyes and nose on the flowers and veggies in my garden.

Top of my patio table up close

 

And try to keep the wasps away. I’m allergic to them. But it’s my patio and my garden.  So when it’s not raining, I’ll sit, eat and enjoy.

Looking from the patio at fresh lettuce, rhubarb and oregano

 

So, do you regularly clean your house, condo or apartment?

Or do you have better things to do? And if so, what are they?

I’d like some comments about this.

Cheers.

Sharon

Only Child Writes

 

 

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Filed under 1950s, 1960s, Family, Garden, Gardening, Heat summer, Hereditary, Home and Garden, Mom and Dad, Only child

Only Child on gardens for sanctuary

The past few days I have been spending time in gardens. Not just mine but others and one big public one. I really needed to do so because of all the busyness in my life. Sometimes I feel like a top whirling around non-stop – until I enter a garden for sanctuary and healing.

Gardens and gardening to heal are not new. Way back in the times of the Egyptian, court physicians, instead of prescribing drugs, prescribed garden walks for royalty who had mental problems. What a novel idea. Maybe more physicians today should do that.

I am blessed that I belong to the East York Garden Club. While I don’t make it to all their meeting and events I did go to their annual pot luck dinner in a member’s garden – where else – last Thursday evening. I brought a fruit salad that I put together in a record 10 minutes – but most of it got eaten, so… In fact at first it looked like we would be feasting on mainly desserts until more members arrived with main dishes.

I talked gardening with many other gardeners, met a few new gardeners and caught up on news (not just gardening) with an old friend from school days – we had re-connected four years ago at one of the schools we went to.

And I looked at the garden and enjoyed the peace, the shade and just being there.

Saturday I roared over to one of the Pop-up Gardens of an East York Garden Club member a few blocks away. She is also a Master Gardener and very knowledgeable. She is getting shrubs etc. in her garden pruned and this was the before looksee. We talked about her pruning and the fact that both of us have special day lillies from a now deceased member of the garden club.

Sunday it was off to the Toronto Botanical Gardens and Edwards Gardens – both are together and it is hard to find the dividing line as the gardens just blend into together. I checked out the gift shop first as it closes before the gardens and then began walking through the gardens, stopping occasionally to rest on one of the benches and of course, look at and smell the flowers. And wouldn’t you know it – I ran into another member of the East York Garden Club,  a lady I have known for a few years who lives a block away from me.

Then there is my garden – I’m out there  on the back patio or front veranda to eat meals and absorb the garden. I walk through it to see how everything is doing. Lots of lettuce which I pick daily to eat. The black raspberries are finished for this year but the beans are starting up and the tomato plants have blossoms – some have small green tomatoes forming. I pay attention to what needs watering – in the pots or in the ground.

And yes, I also attack the weeds. That is my direct therapy to deal with all the crap shoved my way by individuals, companies and governments. I also sometimes name the weeds as I pull them and throw them in the yard waste bins for city pickup to carry off to the …well not the dump for yard waste.

So when the going gets tough, go to a garden. Pull weeds, absorb, return to normal.

Cheers.

Sharon

Only Child Writes

 

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Filed under Garden Clubs, Gardening, Gardening health benefits, Gardens, Public Gardens, Uncategorized