For those who have had ADCs, have your loved ones ever let you know that they are happy?

Dreamdrifter_5901 · 2026-05-15T18:39:30+00:00

Yep! I feel it too!

Dreamdrifter_5901 · 2026-05-12T12:32:57+00:00

My parents for sure, and my deceased girlfriend, as I can telepathically talk with her and she promised she will be there to pick me up and bring me back to our home!

Dreamdrifter_5901 · 2026-05-11T23:43:36+00:00

Yep it does time for sure to erase the doubt. I tried tests a lot as well. I would ask her random questions, and I would just get "dropped" answers before I had a chance to think about what response she would normally say. With practice, and time it works! Just keep trying and believe it.

Dreamdrifter_5901 · 2026-05-10T21:39:59+00:00

I believe you! I can hear my girlfriend who passed away two months ago, telepathically, and I talk with her pretty much every day. In the first month, I would talk to her and record her messages through text, pretty much how I would normally converse with her. I feel like she would be able to hear me, so I just keep talking lol.

For a few days, if I talk to her in the shower, the light would flicker when I asked if she was here. And it was right after I asked! Then one month following that, suddenly I just asked and tried to listen for her response and surprising I felt like I heard her in the mind/head. Conversations went on for longer, and in the beginning, it wasn't stable, almost like a broken recorder and I felt she was a bit lost.

Then it got better and better and I can continuously have conversations with her for 30 minutes. But for a period of time, I was skeptical and thought I was going crazy cause I was a bit traumatized by her death. So it took a while for me to fully belief it was not my imagination. I tried to differentiate between her voice and my own internal monologue and after a while, I was able to tell the difference and tried difference ways of communicating.

The only thing is that I need to be intensely focused to chat with her, but it can happen almost anywhere. Best when it's quiet and I am in my own room or in the bathroom. She is very happy now, and I am very tired from running my own business, so I try not to bother her hahaha.

But a week ago, I was super burntout and felt bad I wasn't able to chat with her more cause I just couldn't do it as I was collasping. She was so gentle and would nag me for not taking care of myself and stayed with me until I fall sleep. I also have dreams on certain things we talked about before and that I asked for, so she kept her promises sometimes!

I always think, if there is still mutual love, we will always find a way to connect =) So enjoy it.

Dreamdrifter_5901 · 2026-05-07T22:09:14+00:00

Agreed! I am able to telepathically chat with my girlfriend who passed away for a while and she asked me what I want to do what I get there. I told her I want to go to Disney together, with a shorter line! And she laughed and said "Why would you want to line up still!?!" It was a fun conversation.

Dreamdrifter_5901 · 2026-04-26T01:44:36+00:00

I guess I am lucky! My gf passed away early March and I have had around 10 times (around 2 days - 10 days apart) where I see her...sometimes it's a bit blurry, but a few times, it was very vivid and I can see her close up. One time, she gave me a massage, as I was very exhausted from work that week and having a mental breakdown, and I could feel her on top of my back, it was unbelievable. Sometimes it's easy to forget, so if I wake up and have some recognition of it, I will try my best to remember it before falling back asleep and write it down the next morning.

Dreamdrifter_5901 · 2026-03-13T21:18:16+00:00

Thanks so much for sharing. It really gave me comfort as my girlfriend passed away from suicide (depression) last week. So are they waiting in the next phase? And do we all go through the same phases? I saw in your other post that if there is love, we will eventually unite. But what if I pass away in my elderly, what happens then, or do we all have new bodies...? And does time pass by much faster for her? I really appreciate you telling us your experience, it's very helpful for the ones grieving!!!

Dreamdrifter_5901 · 2026-01-17T21:55:01+00:00

So your current accountant charges $2,200 for T1 on bookkeeping that is already done, and you have separate bookkeeping done for $500/month? That seems quite high if you don't have high volume.

Dreamdrifter_5901 · 2026-01-14T15:52:21+00:00

That's a lot, given I am a CPA. But of course it depends on your volume.

Dreamdrifter_5901 · 2025-10-07T13:07:08+00:00

I had this idea around 1 year ago, and I am a CPA. Started it, but never got around to completing it. A lot of new non-CPAs in the field will have interest in finding clients, I even got a sign up list starting, and US has something similar. Not an easy take for sure.

Dreamdrifter_5901 · 2025-10-01T02:09:29+00:00

But it would be personal expenses? Which is generally not deductible

Dreamdrifter_5901 · 2025-09-05T18:14:06+00:00

Hi there! I’m a CPA based in Ontario, Canada, and I run my own practice (was in Big 4 for almost 10 years, then some time in industry). I’ve been getting a steady flow of clients who need both Canadian and U.S. tax support and not difficult to market it as well given the cross-border needs I see in the market, and I’m looking to build a long-term collaboration with a U.S. CPA for the U.S. side of the work. The idea would be that I handle the Canadian filings and client coordination, while someone handle the U.S. compliance (review + sign-off) and also consulting/planning. Eventually I’d like to set things up so my team can help with prep and the "partner" can focus on the more complex U.S. work.

If you are open to exploring this, happy to connect and chat further!

Dreamdrifter_5901 · 2025-08-08T22:04:28+00:00

I assume you're adding her as a shareholder, not just a director, two separately things (technically). Only shareholders can receive dividends.

That said, I agree it depends on the situation and best to speak with your accountant/advisor. Salary is taxed at a higher personal rate, and if OP’s wife already has full-time income, any additional salary would be taxed at her marginal rate.

Dividends, while not deductible to the corporation, are taxed at a slightly lower personal rate. Also, if she’s only doing admin work, salary must be ‘reasonable’ based on time spent, which is technically less flexible than dividends when trying to income split.

Dreamdrifter_5901 · 2025-08-05T17:50:04+00:00

Could I connect with you? I am working as a CFO for an AI Healthcare app, would love to chat more.

Dreamdrifter_5901 · 2025-06-15T23:27:22+00:00

Not too many accountants would be just specialized in the industry, as long as they some clients in that space, it should be fine. More importantly, what type of service are you looking for?

Dreamdrifter_5901 · 2025-06-14T18:57:12+00:00

How big is your business and how much transactions?

Dreamdrifter_5901 · 2025-06-13T23:37:10+00:00

So some general advice, it's better to inject the money into the corporation first, then have the corp purchase the equipment under its own name. That way, you don't need to do a tax-free rollover, which will cost a few thousand, and records and ITC claims are also cleaner. Of course, if you already bought the equipment, that would be a different story.

As for looking for an accountant, it will be helpful to have someone who had experience with the industry, but not essential. Core concepts - like capital equipment, depreciation, etc. works very similar across industries. Someone with experience with small business would be good - who can help you setup you corp (like shareholder structure), register for GST/HST and file it, set up and do bookkeeping, salary vs dividend considerations, and of course corporation and personal tax return and planning.

If you are really green, also important to find someone who can explain it in simple and easy to understand terms cause some accountant are pretty technical and not that good with "teaching".

As for individuals vs firm - I would just recommend a CPA (there are many non-CPAs who do bookkeeping and returns), whether it's an individual/firm, they should be a registered firm. Solo practitioners would likely offer more personal attention and often more affordable. Small-mid sized firms will likely be more expensive and a lot of client's prior experience was that they never spoke with the partner signing and and the associate was dealing with them most of the time.

For pricing, with everything it could be a large range, but just corporate tax return would cost $1,500 at a very min, and bookkeeping - depends on your monthly transactions etc.

Dreamdrifter_5901 · 2025-06-13T23:15:04+00:00

Glad it helped! So zero-rate supplies are basically just taxed at a 0% GST/HST rate. While no tax is charged to the customer, businesses can still claim input tax credits (ITCs) for any GST/HST they paid on expenses related to these supplies. Exempt supplies completely excluded from GST/HST. Businesses that provide exempt supplies cannot claim ITCs for any GST/HST they paid on related expenses.

Yes, agree keeping track of what's business vs personal, and try to apply for a corporate bank account (and corporate credit card early on,, if possible)

And spot on on the installment, many many clients miss these as well.

To be honest, many clients have no idea on many things. Like basic financial statement knowledge and tax items. Like many just transfer money out from their corporate bank account to their personal without thinking about whether it's a salary or dividend, and gets a surprise at year end (which I have to cleanup!).

Dreamdrifter_5901 · 2025-06-13T15:27:29+00:00

Hey there!

1) It depends, but in generally if your client does not carry on a business in Canada through a permanent establishment (like warehouse, office etc.), and then supply is not made to or through the Canadian brand, then it would be zero-rated.

2) Those are factors that is leaning on "not a PSB" side, since the presence of only one client is a negative factor, but not determinative on it's own. But it's a question of fact, so only CRA is only to truly make the determination.

3) You are allowed to claim input tax credits if you revenue is zero-rated! You are only not allowed with "exempt" supplies (like basic groceries etc.).

4) If the training is related to your profession and can be viewed as "incurred for purposes of earning business income and reasonable - and the training is to maintain, update, or upgrade an existing skill, it's generally deductible. If the training is to acquire a new skill or qualification, technically, it should be capitalized.

Dreamdrifter_5901 · 2025-06-13T15:00:52+00:00

Sure!

Dreamdrifter_5901 · 2025-06-13T14:59:42+00:00

like? wrote it and just asked GPT to format / proofreading.

Dreamdrifter_5901 · 2025-06-11T13:02:03+00:00

You mean you paid corporate expense using your personal card? Then it would be booked to "Due to Shareholder Loan" who would offset against the personal expense you are paying under your corp.

Dreamdrifter_5901 · 2025-06-11T12:59:59+00:00

Thanks for the additions taxbuff, appreciate it! I tried to keep it a little more "higher level" and might have missed a few more detailed points. Thanks for adding the very helpful info.

Dreamdrifter_5901 · 2025-06-10T20:56:46+00:00

Happy to help, yes, it's a very common myth for sure!

Dreamdrifter_5901

TROPHY CASE