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Hockey program to train all new parents to respect the game Brier Dodge

brier.dodge@metroland.com

A new respect in hockey program will launch next season for all minor hockey clubs who are a part of Hockey Eastern Ontario. The announcement was made at the Richcraft Sensplex on April 20 by Hockey Eastern Ontario officials and representatives from the Respect Sport Group.

One parent or guardian for every player in the initiation and novice levels in Hockey Eastern Ontario clubs will be required to take the one hour, online course every year. A parent or guardian of a new registrant up to the midget level (17 year olds), will be required to take the course once. The $12 cost will fall to each individual who takes the course, unless the hockey association bulk purchases access codes and includes these

as part of the fee in registration costs. The course will cover a variety of topics, ranging from injury prevention and how to have positive relationships with coaches and referees, to how to deal with abuse or harassment. Mark Allen, from Respect Sport Group, said ideally the entire family would take the course, though it’s only mandatory for one parent or guardian to take the course.

It’s already mandated in many province’s hockey programs, including Manitoba, where the Respect Sport Group’s first program, one designed for coaches, first started. Coaches requested a unit be developed for parents, which was launched with Hockey Calgary. Respect Sport Group was co-founded by Sheldon Kennedy, who attended the Ottawa announcement.

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Q: What is a tax lien, and what do I do if one is registered against my home? When you owe money to Canada Revenue Agency (CRA), they will try to collect that debt from you. If the debt is significant and you don’t repay it or negotiate acceptable terms, CRA has the right to place a lien on your home or other property such as a cottage. This does not mean you will immediately lose that property, and there are steps you can take to have the lien removed. How does a tax lien work?

Madawaska Golf Club’s new director of golf Andrew Dick at the first hole of Twisted Pines.

Madawaska Golf Club adds new golf director In an effort to improve its service to golfers and their experience at the Madawaska Golf course, the club recently introduced Andrew Dick as the its new director of golf. “I’m more than excited to be the new director of golf here at the wonderful Madawaska Golf Club,” Dick said. “I am a strong believer in an overall experience for golfers when they are spending their day on the course.” Dick spent the last four years as the manager of the Dragonfly Golf Links in Renfrew where he was born, raised and lives with his wife and two children. Despite his Renfrew blood, Dick is excited to be in the Arnprior-West Carleton area and at the Madawaska Golf Club. “The main goal for us at Madawaska is to generate excitement for the golfers and the members,” he said. “I’m excited about joining a family-run business. I am really excited about the

opportunities Sumac Grove (Madawaska’s executive course) provides, which is perfect for families, beginners, novice or even advanced golfers looking to hone their target golf skills.” Dick has brought with him a wealth of ideas to share with day golfers and course members. “I bring with me years of expert customer service, social media, measurement and management and management skills that I look forward to using and enhancing your golfing experience while you are here,” Dick said. “I look forward to working closely with all of the Madawaska Golf community – if you have any suggestions, comments or just want to give a plain old hello and g’day, please feel free to stop into the pro shop, shoot me an email at andrewdick@madawaskagolf.com or a phone call at 613-623-3852. I am here for you the golfer.”

A tax lien operates like any other lien. It is a legal claim against your property that will remain in place until you either pay the debt or the property is sold. If the property is sold, proceeds are first applied to selling costs, property taxes and mortgages, then to the CRA debt. Can CRA take my house away from me? Technically, yes. However, it is not CRA’s policy to leave anyone homeless. If the property is your primary residence, you will have ample opportunity to find other payment sources. If significant time passes and you still don’t make payment arrangements, CRA may issue a Writ of Seizure and Sale, which is your final warning. If you continue to avoid paying your arrears, CRA may seize the property and you may be forced to leave. In the case of a cottage or vacation home, CRA will most likely sell the property and apply the net proceeds to your tax debt. How can I know if CRA has registered a lien against my property? CRA usually sends you a letter to tell you they’ve registered a certificate of arrears in Federal Court. This lets you know that they intend to place a lien against your property,

If you owe a significant amount of money to the CRA and you suspect they may have placed a lien against your home, you can do a title search at the Land Registry Office. Bottom line: you can remove tax liens by: 1. Negotiating a payment plan directly with CRA. Once your tax arrears are paid in full, they will remove the lien. 2. Selling your home and use the net proceeds to pay your CRA debt. If the net proceeds don’t cover the CRA debt in full, you must make arrangements to pay the remainder. 3. Filing a consumer proposal with a licensed Trustee. While this will not remove the lien immediately, a clause can be included that requires CRA to lift the lien when the proposal is completed. Of course, CRA must agree to the proposal —something that will depend on the amount of tax debt you owe and your proposal payment plan. Tax arrears are serious. If you have unpaid income taxes, whether or not you already have a CRA lien in place against your home, it’s important that you take immediate action to prevent additional problems. If you are burdened with debt stress, asking for sound advice is a sign of strength and the smart thing to do. Asking sooner rather than later is always better. Call Doyle Salewski today for your free, no obligation consultation. You’ll be glad you did.

About Doyle Salewski Brian Doyle, CPA, CA, CIRP, President and Paul Salewski, CPA, CA, CIRP, Senior Vice-President have worked together for more than 30 years. Both are chartered accountants, chartered insolvency and restructuring practitioners, and licensed trustees in bankruptcy. In 1996, they founded Doyle Salewski Inc., Licensed Trustee in Insolvency and Restructuring providing financial consulting and restructuring services. Marc Rouleau CPA,CA,CIRP, Vice-President is a licensed trustee and directs the Quebec insolvency practice. Tracey Toman, CIRP, Vice-President is a licensed trustee and oversees the administration of the commercial insolvency practice. Doyle Salewski Inc., its founding partners and trustees are all members of the Canadian Association of Insolvency & Restructuring Professionals (CAIRP), and are recognized leaders in providing solutions to financially challenged individuals and businesses which often results in the preservation of assets and avoiding bankruptcy. The professionals at Doyle Salewski Inc. are fully experienced in providing financial management advice including credit counselling, consumer proposals, budgeting, debt settlement, debt consolidation, and bankruptcy. Our team works throughout Ontario and Quebec.

HEAD OFFICE 1.800.517.9926 613.237.5555 396 Bank Street, Ottawa, ON K2P 1Y5 Proposal Administrator, Restructuring Professionals, Trustee in Bankruptcy

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at which time another letter will be sent. If CRA doesn’t have your mailing address, however, chances are you won’t know about a lien until you attempt to sell or refinance the property.

Contact: Tracey Toman

info@doylesalewski.ca www.doylesalewski.ca

613.237.5555

TOLL FREE: 1.800.517.9926

ARNPRIOR 613.623.2020 Doyle Salewski Inc. 106 McGonigal Street, W.

RENFREW 613.432.2223 Doyle Salewski Inc. c/o Ferguson & Kubisheski 45 Renfrew Ave. E.

PEMBROKE 613.635.4882 c/o Welch & Company LLP, 270 Lake Street

BARRY’S BAY 1.800.517.9926 c/o Richard Robyn & Ass. 19527 Opeongo Line

Arnprior Chronicle-Guide - Thursday, May 7, 2015 31

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Arnprior Chronicle-Guide May 7, 2015

Arnprior050715  

Arnprior Chronicle-Guide May 7, 2015

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