Welcome to:

PROBUS Club of Bobcaygeon Area

...we're all about fellowship & fun!!

  • 10 May 2022 10:56 AM | Terry Atchison (Administrator)

    Maureen Pollard is a registered social worker with 30 years experience working with individuals, families and groups. After working for 20 years on the front lines of child welfare in Ontario, Canada, she now leads a group private practice, specializing in grief, trauma, and resilience. Maureen is trained in culturally inclusive adult education, developing and delivers custom seminars and experiential workshops to professionals, volunteers and community groups.

    Maureen Pollard is the author of The Twentieth Year: A Memoir of Miscarriage and a novel called Best Interests. Maureen is also a songwriter. Some of her songs help raise funds for Canadian charities: I Hope you Stay for World Suicide Prevention Day 2020, One Breath at a Time for International Survivor of Suicide Loss Day 2020, I’m No Hero for First Responder Day 2021, and Stone Angels for Pregnancy and Infant Loss Awareness Day 2021.

    ZOOM Recording 


    Contact information  

    Website:  https://www.maureenpollard.org/ 

    email:  maureenpollardmsw@gmail.com

    Tel:  905 375-5905

    Address: 233 - 975A Elgin St. Cobourg, ON K9A 3J5

  • 21 Apr 2022 2:01 PM | Terry Atchison (Administrator)

    Paul LaPorte treated us all to a wonderful presentation on Biodiversity and Ontario's Native Plants.   He extended a very generous exclusive offer to the members of PROBUS Club of Bobcaygeon to purchase plants from his nursery. 

    If you are interested in purchasing plants please email me including Native Plants in the subject line.  


    Click the link to access his Inventory and price list.  

    2022 Ephemeral Ark_Species Price List.pdf

  • 12 Mar 2022 4:57 PM | Terry Atchison (Administrator)

    “Keeping More of Your Money”

    Jeremy Bertrand,

    Ontario Ministry of Finance

    10:00 AM, March 09, 2022

    Thank you to Gary W. Colgan, Treasurer, Bobcaygeon PROBUS Club for summarizing and sharing his handwritten notes.

    The main focus of Jeremy’s presentation was to introduce his audience a variety of credits and benefits that they may be entitled to.

    Key Messages:

    • The 2021 Tax Return is due on May 02, 2022
    • Even if a taxpayer doesn’t owe any tax, they are still entitled to tax credits. It is important that they file a return to take advantage of any credits.  The taxpayer may be eligible to get money from the government as a result of these credits.
    • It is important to create a file every year to store any papers, receipts, documents that you will need to complete your return. 
    • All documents should be retained for a period of 7 years.  After 7 years, the documents can be destroyed, preferably by shredding, not recycling, as many forms contain important information (i.e., SIN) that could prove catastrophic if they fell into the wrong hands.
    • It is possible to adjust your income tax returns any time back 10 years, by requesting a T1 Adjustment Request.  If you became aware of credits that you were entitled to and did not claim at time of filing, it is possible to go back 10 years and correct the issues.
    •  It is important to pay attention to what has changed both federally and well as for Ontario.  The media will broadcast various interesting budget details that are being considered.

    The personal income tax form that we all fill out is actually entitled T1 General Income Tax and Benefit Return (bolding and underlining is the writer’s).  The form is used to calculate taxes payable, as well as Benefits that can be claimed

    • Approximately 90% of taxpayers file their return electronically.
    • CRA administers the taxation program both federally, as well as provincially and territorially.  In dealing with the Tax Man, we are always dealing with CRA.
    • Having said that, Jeremy did offer to answer any general questions we may have about taxation.  Specific questions should be posed to CRA
    • The CRA Website lists the various types of software that are acceptable to file personal income tax returns.  Some of this software is free of charge.

    The rate of taxation that one pays is based on taxable income.  There are also 5 different tax rates for both federal taxes as well as Ontario taxes.  The more your taxable income, the higher the taxation rate.

    2021 Taxation Rates: https://www.wealthsimple.com/en-ca/learn/tax-brackets-canada

    2022 Taxation Rates: https://www.canada.ca/en/revenue-agency/services/tax/individuals/frequently-asked-questions-individuals/canadian-income-tax-rates-individuals-current-previous-years.html

    Tax Credits

    There are various tax credits available both federally, as well as Ontario.  It is important that the taxpayer review and become familiar with what tax credits are available.

    Charitable donations

    • Do not have to be claimed in the year they were made but can be saved for up to 5 years.
    Medical expenses
    • must exceed 3% of your net income to afford any tax reduction. 
    • CRA publishes a 35-page book that details just what are medical expenses.  Most people do not know that travel to medical appointments, if the distance travelled is more that 40 km, is a medical expense.  Medical expenses can be claimed by one spouse.
       Link to book


    The Climate Action Incentive

    • could provide relief for those living in a rural area.
    Seniors Home Safety Tax Credit
    • Ontario has introduced the Seniors Home Safety Tax Credit, which can see a tax credit of 25% on all expenses incurred to make the seniors’ home more accessible and/or safer.  The maximum amount of expenses is $10,000.00 for the tax years 2021 and 2022.  If the maximum amount was claimed each year, this could result in a tax credit of $2,500.00 for each year.
    • The federal government also has a similar program that has been in place since the 2017 tax year.  It is possible to use the same expenses to claim both the Ontario Credit, as well as the federal credit.
    ·Staycation Tax Credit:
    • Ontario has also introduced a Staycation tax credit, that issues a tax credit for any leisure hotel stays in the Province of Ontario, provided that the Hotel is registered with HST.  The maximum family credit is $2,000.00 per year.

    Jeremy's Tax Credit Resources 

    Ontario Trillium Benefit 2022.pdf

    Ontario Staycation Tax Credit 2022.pdf

    Ontario Seniors' Public Transit Tax Credit 2022.pdf

    Ontario Seniors' Home Safety Tax Credit 2022.pdf

    Ontario Senior Homeowners' Property Tax Grant 2022.pdf

    Ontario Ministry of Finance Personal Income Tax Resource Sheet 2022.pdf

    Ontario 2021 Information Guide.pdf

    Low-income Individuals and Families Tax Credit 2022.pdf

    Jobs Training Tax Credit 2022.pdf

    GAINS 2022.pdf

    CRA Medical Expenses booklet 2021.pdf

    Caregiver Credit 2022 CRA.pdf

    Child Care Tax Credit 2022.pdf

  • 26 Nov 2021 8:50 PM | Terry Atchison (Administrator)

    Jeremy Bertrand is a Senior Program Advisory Specialist in the Ontario Ministry of Finance. Jeremy has worked for the provincial government for over 34 years. His current duties include coordinating the province's personal income tax credits and benefits outreach program, educating thousands of Ontarians each year about the credits and benefits they may be entitled to, and explaining how Ontario’s estate administration tax works.

    Follow this link for the Webinar Handout and additional tax resources. 

    Ontario Seniors' Home Safety Tax Credit webinar handout.pdf

  • 12 Mar 2020 4:04 PM | Terry Atchison (Administrator)

    HI everyone, 

    As COVID19 continues to be in the forefront of the news,  I want to share some of the resources and link to the video that was presented at the meeting last week and may be of interest to you.    

    Dr. Peter Lin - CBC News Video Get the facts on coronavirus. In this video, Dr. Lin explains the biology of how COVID 19 was generated, transmission of the virus and preventative measures.   (either cut and paste the link into the address bar, or right click on the links below)


    Public Health Ontario - PHO has developed the resources below to support stakeholders with the outbreak of Coronavirus Disease 2019 (COVID-19). These are posted on our website for reference but the most current versions of all public, public health, and health care guidance can be found on the Ministry of Health's website


    Health Canada:

    The first link offers good information and statistics on number of cases and geographic areas of infection across Canada. 



  • 29 Feb 2020 8:10 AM | Kent Leckie (Administrator)

    Wow, what a flurry of applications we have received over the past couple of weeks.

    Terry and Kent have been working on a ton of email inquiries and we are pleased to announce that we have reached our full membership capacity.

    Just a few more last minute details to work through and the membership submissions will be officially closed.

    Congrats to all of those who secured their spots so quickly.

    We are all looking forward to seeing you at the upcoming Orientation Meeting on March 4th.

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