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Monday, November 30, 2009
The future of Gold - Fox Business News
Friday, November 27, 2009
Gold Sales Strong despite Dubai massive debt fears
Dubai misses debt payment while gold sales stay strong
Tom Jeffries talks to Mike Levy about Dubai bankruptcy
recorded on November 26th 2009
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Dubai bankruptcy world dubai emirates nakheel UAE persian gulf palm the artificial island sea max keiser kaiser real estate and Emirates Airline bankrupt bailout bullion silver gold ratio Tom Jeffries Mike Levy peter schiff gerald celente paul craig roberts canadian dollar russia Dollar Crash derivatives debt treasuries Default wepollock aig credit default swap USD inflation deflation
Gold Sets New Record in Asia - Market Report
In todays market report gold powered to another record high in Asia Monday, as U.S. economic doubts grow.
Bullion prices, up 32 percent this year alone, have ticked off a string of highs with eyes on $1,200 an ounce by next year.
Oil was up on heightened tensions between Iran and Western nations. Senior officials from six world powers voiced disappointment that Iran had not accepted proposals to delay its nuclear weapons potential.
Iran's armed forces launched a large-scale air defense war games Sunday, coming as the country is facing pressure over its nuclear program.
Asian shares edged higher at the start of a holiday-filled week. Japanese financial markets were closed Monday.
South Korea's LG Electronics dipped on market talk if may bid for Hynix Semiconductor, the world's No.2 memory chipmaker.
LG shares were also pressured by news Apple's iPhone would go sale in the country from Saturday, offering by the No.2 mobile player KT Corp.
Category: News & Politics
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NTD NTDTV Market Report Gold Money Economy Bullion price Iran Western nations Nuclear weapon Financial market Memory chipmaker
Wednesday, November 25, 2009
India may buy remaining 200 tonnes of Gold
Gold Rises to record on dollar drop, report India may buy more
Gold climbed to a record in London and New York on a further drop by the dollar and on a report that India may buy the remaining IMF 201.3 tons of gold
Articles :
Link 1 : http://www.thestreet.com/story/10633099/1/india-drives-gold-higher.html?cm_ven=GOOGLEN
Link 2 : http://www.mydigitalfc.com/commodities/gold-rises-record-dollar-drop-report-india-may-buy-more-447
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india gold central banks gold bullion gold coins economic collapse financial crisis peter schiff gold rush
Tuesday, November 24, 2009
Ross Hansen silver bullion that you can nicely cut into quarter ounces of silver
recorded on November 21st 2009
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SILVER BULLION stagecoach silver david morgan Price Supression Scheme gOLD sILVER rATIO Jim Puplava Ross Hansen Northwest Territorial Mint max keiser peter schiff gerald celente recession depression dollar crash marc faber goldman sachs federal reserve Gold Bug home school Homeschooling homeschool
Prepare For Higher Mortgage Rates
The Canadian housing market has seen a stronger and faster rebound from the recession than any other segment of the economy, due in large part to enticingly low mortgage rates.
But rates this low - 5.59 per cent for a five-year fixed-rate mortgage and 2.25 per cent for a five-year variable-rate mortgage at one bank - can't last forever, and experts are advising borrowers to prepare for higher rates within the next 12 months.
"We have to realize those are emergency interest rates," said CIBC economist Benjamin Tal.
"Interest rates will rise - it's just a question of time, it's not a question of if. And if that's the case, we have to make sure that when we borrow this money we can afford the same mortgage 200 or 300 basis points higher. That's the key responsibility now of borrowers and lenders, to make sure that what we do, we do it in a prudent way."
Depending on whether they are fixed or floating-rate, mortgages are tied to either the bond market or the Bank of Canada's key lending rate, which are closely related. The central bank's rate has been sitting at a record low of 0.25 per cent since the spring and it has said it will keep it steady until at least next June to help stimulate the ailing economy.
On Wednesday, three of Canada's biggest banks - Royal Bank (TSX:RY), Bank of Montreal (TSX:BMO) and TD Bank (TSX:TD) - announced that they will cut posted rates for fixed-rate mortgages by up to 0.25 percentage points. On Thursday, CIBC (TSX:CM), Laurentian Bank (TSX:LB) and Scotiabank (TSX:BNS) followed suit by cutting their five-year mortgages by 0.25 per cent to 5.59 per cent, in the case of CIBC and Scotiabank, and 5.6 per cent at Laurentian.
But mortgage lenders agree that rates are nearing the bottom and will begin to rise again in 2010.
"The only sort of assurance that you hear in the marketplace is the Bank of Canada's going to try to maintain that rate until June. But past that, there are already warnings that if there need to be adjustments, the adjustments could be a little more abrupt than we've been used to in the past," said Martin Beaudry, vice-president of retail lending at ING Direct.
CIBC's Tal said that with rates this low, "it's almost a crime not to take a mortgage out," but warned that consumers need to be prepared for higher interest rates later on and what this could mean for their personal finances.
For example, a $200,000 mortgage with a term of 25 years and an interest rate of 2.25 per cent has monthly payments of $876.26. For the same mortgage with an interest rate of five per cent, the monthly payments become $1,169.18.
And this doesn't only apply to variable-rate mortgages, but to fixed-rate mortgages that are coming up for renewal, Tal said.
"It's not just variable rates, because five years from now the rates will be much higher, so you don't want to find yourself in a situation five years from now where you can't afford the house," he said.
"It's important to be extremely prudent and not to be totally blinded by those rates."
Monday, November 23, 2009
How to Invest in Gold Stocks - Van Eck Global
Related Tags: Technical Analysis Charts Gold Stocks China Deflation Reflation Commodities Jim Willie Treasuries Dollar Energy Economy Marc Faber Japan Asia american armageddon CFR cnn crisis financial nwo peter rogers schiff silver wallstreet dow emini forex futures jones live nasdaq oscar trading with ron paul david tice lateline australia fiat amero new currency standard bretton woods zeitgeist addendum market crash bank collapse department depression derivitive economic endlessmountain fdic federal george4title great holiday house manoftruth mccain meltdown nuclear obama october palin reserve revolution senate treasury visionvictory youchooseaside Inflation Newsroom DTOM video,day traders,traders, swing traders,finance,investor,banks,market news, traders,investors,stock market,technical analysis,technical levels,oil, Gerald Celente Glenn Beck Dave Ramsey Chris Martenson Precious Metals Merrill Lynch Skarica GATA Bill Murphy CNBC Reports Barack Hyperinflation Najarian Adrian Douglas WallStreetCheatSheet Damien Hoffman Alternative Medical Agriculture Puru Saxena, Energy, Natural Gas, Gold, Commodities, Guppy, alan alex bailout ben bernanke bob bullion chapman coin comex credit goldman greenspan herbert IMF jp keiser larouche lindsey LTCM maloney manipulation max michael morgan Moriarty rockefeller rothschild sachs stacy wearechange weimar williams Bear Bloomberg money Stearn economist estate housing mortgage real subprime builders euro home Investing Soros yen yuan box bubble. crunch foreign squawk angelpub buillion goldworld mccoach palladium platinum mining peak profit wealth commentary prices chinese Agoracom PaulvanEeden.com PDAC 2008 Cooper Das Krista recession todays S&P Capital capitalgoldgroup Food Shortage The commodties copper hommel jason lead nickel stockreport uranium zinc explore micro mine penny pink tedsaidit terbo Bundchen falling Gisele north union bearish nation bankers international fournerat investments l4anyrat lane lanevids
Bill Murphy was right - Gold price exploding
Bill Murphy predicts current gold price explosion 2005
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Friday, November 20, 2009
James Turk Gold Rally Could Reach $1,400
Tags: Gold Precious Metals peter schiff AC360 Anderson Cooper Inflation CNN David Tice Jim Rogers Ron Paul Marc Faber lateline australia Newsroom Your Money Bloomberg Volker Economy Depression Bailout Dollar Commodities, Gold Gold, Comex, Manipulation Inflation, Hyperinflation, Dollar, Fiat Currency amero standard bretton woods silver zeitgeist addendum stock market crash Commentary Analysis John Authers Chris Giles Krishna Guha Neil Hume Norma Cohen Vanessa Houlder Elizabeth Precious Metals technical elliot wave charts ETF oil NASDAQ QQQQ resistance support S&P SPY forex fx trade trader how too spanton candlesticks fibonacci recap dailyfx bonds NWO Economic Collapse Currencies 2008 Election futures Iran Iraq McCain Pakistan platinum Politics Recession War Willie China Treasuries Energy SkiGoldStocks Jeffrey Kern Financial Tube Trendsman Silver, Stocks, Shares, Asia, Taiwan, Korea, Japan, Natural Gas, Juniors Ryan Parker Mining Bill Murphy GATA Fed Geithner Obama Summers Deflation AdrianDouglas Dave Morgan Monetary Todd Harrison Minyanville Investing Trading Skarica Silver-Investor Housing Airlines jsmineset sinclair gld 10 2009 January Leeb Stephen Barack
Wednesday, November 18, 2009
ETFs Mining or Physical Gold . How to play the Gold Market Now ?
Market Slam: Gold Options
ETFs Mining or Physical Gold . How to play the Gold Market Now ?NEW YORK (TheStreet) - Dan Dicker, expert trader, talks with David Greenberg, president of Sterling Commodities, and Jeff Carter, CME trader, to get their take on the gold market and how to trade the precious metal.
Tuesday, November 17, 2009
Tom Jeffries Silver Price Exploding because of the comex trading limits coming next month ?
Why is Silver Price exploding ?
Tom Jeffries talks to David Smith about the silver price skyrocketing and why
recorded on November 16th 2009
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silver price gold bullion Price Supression Scheme GOLD SILVER RATIO comex nymex trading limits Tom Jeffries David Smith ted butler marc faber shorting short sales front running goldman sachs high frequency flash trades deflation inflation mish shedlock ten states near bankruptcy the richest man in babylon max keiser peter schiff gerald celente recession depression dollar crash COT commitments traders report Hang Sang
Monday, November 16, 2009
Canada's Dramatic Real Estate Recovery Questions
The dramatic recovery of the resale housing market – with the pace of activity and prices setting another record in October – has some economists wondering if Canada is in the midst of a housing bubble.
Economists at Scotia Capital Inc. are of the view that housing “is becoming an over-valued asset class.”
Economist Michael Gregory of BMO Nesbitt Burns, on the other hand, says Canada is in the midst of a “booming rebound” – but not a bubble.
And Stewart Hall, an economist at HSBC Securities (Canada), says it is too soon to characterize the housing market activity as a bubble yet, but the situation bears watching.
Bubbles are formed when excessive speculation enters a market, pushing prices higher than justified by market fundamentals. However, asset bubbles inevitably pop, leading to sharp price declines.
'This is becoming an over-valued asset class'
“Is Canada in a housing bubble? Probably, but low rates, mortgage innovation and a relative shortage of new supply are likely too keep it going for a while yet,” Scotia Capital economists Derek Holt and Karen Cordes said in a research note Monday.
“… Now that last fall's pent-up demand has been released, the three forces of low interest rates, transferring future sales to the present via mortgage innovation, and modest new supply can keep Canadian housing markets humming for some time yet before the eventuality of a softer market on rising rates in a future relative demand vacuum set in.”
After CREA released the October numbers, Mr. Holt and Ms. Cordes expanded on their view.
“The Canadian Real Estate Association has reported October sales and prices. The results are a bright spot in the Canadian economy, but with prices up 20 per cent over year-ago levels and at all-time highs by virtually every measure, this is becoming an over-valued asset class in our opinion,” the Scotia Capital team said.
“Flagging rich valuations is not, however, tantamount to predicting anything imminent by way of give-back on prices,” the added.
“In fact, they could well push further into record territory next year before risks build.”
Gold Bull run $1,150 ounce : Jon Nadler
$1,150 Gold says Jon Nadler of Kitco.com
NEW YORK (TheStreet) - Jon Nadler, senior analyst at Kitco.com, says that there are some variables that could put short term pressure on gold prices, but if gold's bull run can hold for a few trading days then the precious metal could hit $1,150.
Tags : Gold, Futures, Inflation, Manipulation peter schiff ron paul marc faber CNN David Tice Jim Rogers Willie Dollar Silver Treasuries Puru Saxena, Oil, Energy, Natural Gas, Commodities, China Silver, Stocks, Shares, Asia, Taiwan, Korea, Japan, Juniors Aaron Smith, Bear Market, Adrian Douglas GATA Hyperinflation, Dollar, Fiat Currency Technical Analysis Charts Deflation Reflation Economy Dave Skarica 20 2008 CNBC Fast Interest Money November Rates The AC360 Anderson Cooper Depression Recession Newsroom lateline australia obama madoff daytrading goldman sachs Schiff, Euro Pac Bill Murphy Brown Campbell bailout bank brothers FED leman prining 12 Bailouts December Volker Gartman, Rogers, Bailouts, Recession, Credi Crunch 10 2009 January Leeb Stephen Your Hard Assets Investing Kudlow economist estate housing meltdown mortgage real subprime Guppy, Bernanke Bailout, Credit Crisis, Seidman Timing spx ndx tse tsx nasdaq bulls bears bubble. foreign Currencies Comex,
Sunday, November 15, 2009
Bob Hoye about Barrick's gold supression price scam and peak gold !!!
PEAK GOLD : Barrick touts gold instead of shorting it
Tom Jeffries talks to Bob Hoye about Barrick's gold supression price scam and peak gold
recorded on November 13th 2009
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gold peak Barrick Gold Price Supression Scheme bullion max keiser jim rogers GOLD SILVER RATIO peter schiff cramer don harrold imf GOLd reserves india china gordon brown bottom gerald celente hyperinflation fiat currency fed federal reserve glenn beck tim geithner ben bernanke munk mine mines mining ETF GLD bob hoye
Saturday, November 14, 2009
Gold has reached an all-time high, breaking through the $1,100/oz barrier
Gold: how high can the price go?
Gold has reached an all-time high, breaking through the $1,100 an ounce barrier on a weaker US dollar and the continued appetite from investors for the precious metal's safe-haven attributes.
Related Tags: peter schiff AC360 Anderson Cooper Inflation CNN David Tice Jim Rogers Ron Paul Marc Faber lateline australia Newsroom Your Money Bloomberg Volker Economy Depression Bailout Dollar Gold, Comex, Manipulation Inflation, Commodities, Hyperinflation, Dollar, Fiat Currency Precious Metals Currencies Willie China Treasuries Energy Silver, Stocks, Shares, Asia, Taiwan, Korea, Japan, Natural Gas, Juniors GATA Bill Murphy Dave Skarica Deflation Housing Airlines 10 2009 January Leeb Recession Stephen Barack Obama Bug Kudlow Swanson Agriculture Adrian Douglas Oil Schiff, Bailout, Credit Crisis, Seidman bank brothers FED leman prining economist estate meltdown mortgage real subprime 2008 Brown Campbell Interest November Rates CNBC Fast 21 Geithner Part Tim International Bailouts December MSNBC
Friday, November 13, 2009
Diamond trade set for boom
Tags: Forex Tv, Forex, Euro, Dollar, Yen, Currencies fx trade trader how too spanton commentary candlesticks fibonacci recap dailyfx oil gold bonds live with oscar futures stocks trading emini nasdaq dow investing Andrew Cardwell Technical Analysis jones cnbc cramer fed Aussie Currency Trichet ECB U.S. economy 2009 Sean Hyman mywealth fxedu ETF mutual fund commodity natural gas silver inflation economic trend fundamental main street investor idea tip course education You Tube video blog free forecast prediction Shanghai Swedish Krona Chart Nickel Commodities Charts Roberts Dollars coins australian canadian development Fisk Independent Collapse million life insurance Demise bullion karat rating rupee aoc online warhammer crisis financial bank-failure investment scrap stream media deflation real estate Pound obama madoff daytrading goldman sachs E-mini S&P chat room trades money Bernanke Currencies, Sterling, Direction McCreadie nyse news information Club signals market eurusd eur/usd gbpusd gbp/usd eurjpy eur/jpy usdchf usd/chf usdcad usd/cad Jen Yuan Outlook the best strategy swing range position management indicators 200sma breakout millions Jesse Livermore 4ex business foreign options wall
Charlie Morris Gold Frenzy to Continue for Long Time
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Wednesday, November 11, 2009
Bill Haynes Huge demand for Gold and Silver
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Frank Holmes Comex Gold up 48% from 52 weeks ago
Comex Gold Longest gaining streak since March 18 2008
Frank Holmes, of U.S. Global Investors, and Ron Muhlenkamp, of the Muhlenkamp Fund, share their outlooks on the markets and gold.
Tags: Holmes Gold Precious Metals Bear Bloomberg FED Gold Jim Money Paul Rogers Ron Stearn Ben Bernanke Dollar Oil Builders China Euro Home Investing Market Soros Stock Yen Yuan Collapse Dollar Gold Hyper Inflation Peter Schiff
Tuesday, November 10, 2009
Kevin Kerr Gold hits new all time record and will continue to $5000
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Gold and Oil Surge as Dollar Weakens 10 November 2009
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Quebec Home Improvement And Renovation Tax Credit (HRTC) ( part 2 )
Examples of non-qualifying work
- Landscaping, other than to restore the lot to its condition prior to the recognized work
- Construction of outdoor play equipment o
- Interior decoration (decorator's service)
- Erecting or repairing a fence, low wall, etc.
- Drilling a well, installation of a septic tank and septic field
- Installation of household appliances
- Installation of a swimming pool, sauna, hot tub, etc.
- Refurbishment of access points (footpaths, driveway, etc.), unless made necessary as a result of the recognized work
- Work aimed exclusively at repairs (repairing a leak, a door, etc.) or maintenance (application of paint to walls solely to spruce up the appearance)
The contractor must, at the time the agreement is entered into between the owner and the contractor, be a person or partnership with an establishment in Québec. Must not be the owner or co-owner of the eligible residential unit, or the spouse of one of the owners of the eligible residential unit at the time the home improvement or renovation work is carried out hold an appropriate licence issued by the Régie du bâtiment du Québec. Note that an individual who carries out the improvements or renovations on his or her own principal place of residence may
not claim this tax credit.
Claiming the credit
You may claim the refundable tax credit for home improvement and renovation on your 2009 income tax return if you are resident in Québec on December 31, 2009. You must send with your return a form indicating all of the information related to the work carried out, such as:
- a description of the work
- the cost of the work
- the registration number assigned under the Act respecting the Québec sales tax (QST) to the person who carried out the work
- the licence number issued by the Régie du bâtiment du Québec to the contractor carrying out the work (if applicable)
It is not necessary to provide your receipts or supporting documents when you file your income tax return. However, you must keep these documents for six years following the year to which they apply as Revenu Québec could audit you regarding this credit.
Documents
IN-179-V
Tax Credit for Home Improvement and Renovation
Important Note
These texts on the said programs from Canada or Quebec are provided for information purpose only; you must consult the official Canada http://www.cra-arc.gc.ca/tx/ndvdls/sgmnts/hmwnr/hrtc/lgblty-prd-eng.html and Quebec http://www.revenu.gouv.qc.ca/eng/particulier/impots/impot/credit_remb/renovation/index.asp Internet sites and documentation to make sure you qualify. We decline all responsibility in regard to any error or omissions, the readers are responsible to check this information directly with the proper government agencies.
Monday, November 9, 2009
Sean Brodrick talks about gold and dollar decoupling
is gold decoupling from the dollar and can it be sustained?
Sean Brodrick talks about gold and dollar decoupling
recorded on November 6th 2009
Tags:
gold decoupling dollar silver bullion Sean Brodrick max keiser Peter Schiff economy economic collapse crash oil bubble doom depression recession jim rogers marc faber ron paul euro currency crisis stagflation commodities bear bull market cramer don harrold forex david morgan mish shedlock james turk fiat money bank
Sunday, November 8, 2009
GOLD BREAKS $1070 Update with Adrian Douglas on KWN
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gold adrian douglas comex silver gata king world news bill muprhy bug mania michael maloney jason hommel rich dad stage doug casey peter schiff gerald celente rothschild rockefeller money inflation fiat hyperinflation
Saturday, November 7, 2009
Gold Hits Record High as Dollar Weakens GM to Hold
Tags : Dollar GM Gold Currencies Precious Metals China Depletion Devaluation Dollar Federal Inflation Oil Paul Reserve Ron Bear Bloomberg FED Gold Jim Money Paul Rogers Ron Stearn Ben Bernanke Depression Economist Estate Housing Hyperinflation Meltdown Mortgage Real Subprime peter schiff AC360 Anderson Cooper Inflation CNN David Tice Jim Rogers Ron Paul Marc Faber lateline australia Newsroom Your Money Bloomberg Volker Economy Depression Bailout Dollar Commodities, Gold Gold, Precious Metals Silver Morgan Silver-Investor Adrian Douglas GATA Natural Gas 10 2009 Hyperinflation January Leeb Recession Stephen Barack Obama Bug Kudlow Schiff, Bailout, Credit Crisis, Bill Seidman bank brothers FED leman prining economist estate housing meltdown mortgage real subprime 2008 Brown Campbell Deflation Interest November Rates CNBC Fast 21 Geithner Part Tim International Bailouts December MSNBC 12 Beck Glenn Radio Show Gartman Auto
Friday, November 6, 2009
Wall Street Gold Rush , IMF India Gold Deal
The price of gold continued to climb to record highs Wednesday as the U.S. Federal Reserve said it would keep interest rates exceptionally low for an extended period of time.
The price makers are financial entities that are saying, 'We want to have gold as an insurance in our portfolio.' And I’ve found that gold can go up if you have any type of strong financial instability.”
The Financial Post took note of India’s surprise purchase of 200 metric tons of gold on Tuesday.
“...the increasing demand for gold as a hedge against the greenback was helping to set the stage for an alternative reserve currency or asset to the U.S. dollar, a proposal that has been trumpeted by countries such as China, France, India and Russia”
But BullionVault.com warns investors against jumping on the anti-U.S. dollar bandwagon.
“Rumors of the Dollar's imminent demise are likely to prove premature...[But] to a significant degree, gold is already behaving as though it is an international currency.”
The CBS affiliate in Sacramento takes the issue off Wall Street and on to Main Street where unemployment is driving people to search for gold.
“Well the price of gold has skyrocketed from about $750 an ounce a year ago to more than $1,000 today. So It’s no surprise that that’s led to a new California gold rush.”
So what do you think will happen to the price of gold with interest rates remaining low?
Wednesday, November 4, 2009
how long can the stock market be kept afloat by the FED?
recorded on November 3rd 2009
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cit bankruptcy GOLD price india china stock market crash goldman sachs Max Keiser gerald celente bob chapman william black silver gold precious metals bullion dollar collapse economy FED federal reserve david morgan jim puplava peter schiff marc faber obama bernanke greenspan geithner recession depression inflation hyperinflation cramer don harold bear stearns JP Morgan India buys 200 tonnes of IMF warren buffett
Tice Sees S&P 500 Bottom at 400 Advises Defensive
Tags: Stock Market Investing Tice Federated Investors Inc Stocks S & P 500
Argentina Bank Banks Collapse Corporations Corruption Economic Government IMF Neo-liberal Policies Swindle Theft World Business Commerce Finance Issues Law Legal NASDAQ:PCAR News NYSE:CAT NYSE:CMI NYSE:DE NYSE:MTW NYSE:TEX Personal Science Shopping Technology
Tuesday, November 3, 2009
Gold Trades Near Record as Indian Central Bank Buys From IMF
Gold Trades Near Record as Indian Central Bank Buys From IMF
Claudia Carpenter
Bloomberg
November 3, 2009
Gold traded within 0.5 percent of a record after India’s central bank bought 200 metric tons of the metal from the International Monetary Fund, heightening speculation about more official purchases.
“It’s positive in many ways,” said James Moore, an analyst at TheBullionDesk.com in London. “It suggests central banks, rather than being net sellers, are now looking at becoming net buyers. It’s a surprise because everybody was talking about China being the buyer.”
December-delivery gold climbed as much as $12.90, or 1.2 percent, to $1,066.90 an ounce on the New York Mercantile Exchange’s Comex division and was at $1,058.70 at 8:45 a.m. local time. The record was $1,072 an ounce on Oct. 14.
Read article>>>>
Via Infowars.com
Monday, November 2, 2009
Charles Nenner Gold is a Great Investment Because There will be a World War in 2013
Tags : Bear Bloomberg FED Gold Jim Money Paul Rogers Ron Stearn Ben Bernanke Dollar Oil Builders China Euro Home Investing Market Soros Stock Yen Yuan Collapse Dollar Gold Hyper Inflation Peter Schiff
Quebec Home Improvement And Renovation Tax Credit (HRTC)
If you meet certain eligibility requirements, you may be entitled to a refundable tax credit for the 2009 taxation year for expenses incurred under a residential renovation agreement entered into in 2009 for home improvements or renovations.
The tax credit is equal to 20% of the eligible expenses in excess of $7,500. The maximum amount of eligible expenses is $20,000 for a maximum credit of $2,500.
Calculator
To obtain an estimate of the tax credit for home improvement and renovation that you could be entitled to for the 2009 taxation year, use the calculator available on the website of the Ministère des finances.
Eligibility requirements
To be eligible for the refundable tax credit for home improvement and renovation, you must:
- Own an eligible residential unit located in Québec
- Have the qualifying work for improvement or renovation carried out at your principal place of residence
- A qualified contractor must be hired to carry out the work under the terms of an agreement entered into after December 31, 2008 and before January 1, 2010.
- The expenses incurred to carry out the work must be paid no later than June 30, 2010.
Eligible residential units
An eligible residential unit is a residence built before 2009. The individual who incurs the home improvement or renovation expenses must be the owner (or co-owner) at the time the expenses are incurred. The residential unit must not only be the owner's principal place of residence, but also:
- an individual house
- a manufactured home or a mobile home permanently installed
- a unit in a building held in divided co-ownership
- an apartment in a building held in undivided co-ownership or held by a sole owner
Qualifying work
Qualifying work that gives entitlement to the refundable tax credit for home improvement and renovation consists of:
- the renovation, modification, improvement, conversion or expansion of an individual's eligible residential unit, including the addition of structures adjoining or incidental to the unit
- the work needed to restore a lot to its condition before the work described above was carried out
Examples of qualifying work
Division of rooms (knocking down walls or addition of partitions)
Finishing of a basement, attic or garage
Installation of a fireplace, a heat pump or an air conditioning system
Installation of an alarm system or home automation system
Insulation (including for a garage)
Replacement of the plumbing, electrical system, heating system, air exchange system
Replacement of the roofing, rainwater gutters and chimney
Replacement of doors and windows
Replacement of sewage treatment systems (septic tanks and septic field)
Renovation of a kitchen, bathroom, washroom
Expansion of a house built before 2009
Construction work on structures adjoining or incidental to a house built before 2009
Sunday, November 1, 2009
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recorded on October 31th 2009
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