{"id":20290,"date":"2022-01-04T00:00:00","date_gmt":"2022-01-04T05:00:00","guid":{"rendered":"https:\/\/cceditors.ca\/?p=20290"},"modified":"2022-10-08T13:39:58","modified_gmt":"2022-10-08T17:39:58","slug":"episode-057-the-business-of-freelance-with-accountant-brian-james-taylor","status":"publish","type":"post","link":"https:\/\/cceditors.ca\/fr\/2022\/01\/episode-057-the-business-of-freelance-with-accountant-brian-james-taylor\/","title":{"rendered":"Episode 057: The Business of Freelance with Accountant Brian James Taylor"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20290\" class=\"elementor elementor-20290\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9fc9ee5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9fc9ee5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5558346\" data-id=\"5558346\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf043ee elementor-widget elementor-widget-template\" data-id=\"bf043ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20298\" class=\"elementor elementor-20298\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23d38dff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23d38dff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-58ab7b85\" data-id=\"58ab7b85\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-16add5d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"16add5d1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-769b5449\" data-id=\"769b5449\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64aafe37 elementor-widget elementor-widget-image\" data-id=\"64aafe37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web.jpg\" class=\"elementor-animation-shrink attachment-large size-large wp-image-20291\" alt=\"\" srcset=\"https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web.jpg 800w, https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web-750x750.jpg 750w, https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web-150x150.jpg 150w, https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web-768x768.jpg 768w, https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web-300x300.jpg 300w, https:\/\/cceditors.ca\/wp-content\/uploads\/2021\/12\/CCE_podcast_EP057_web-12x12.jpg 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1bba5e1d\" data-id=\"1bba5e1d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6d7115d4 elementor-widget elementor-widget-heading\" data-id=\"6d7115d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Episode 057: The Business of Freelance with Accountant Brian James Taylor<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba1109e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba1109e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-864f67e\" data-id=\"864f67e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c64d61d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c64d61d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f05d2ca elementor-widget elementor-widget-text-editor\" data-id=\"f05d2ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In today\u2019s episode Sarah Taylor chats with Brian James Taylor. Brian is a retired chartered accountant and also happens to be Sarah\u2019s Dad. Sarah and Brian talk about all things tax. He shares the same wisdom that helped Sarah succeed in her freelance career with all of you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c4797d elementor-widget elementor-widget-image\" data-id=\"0c4797d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"948\" height=\"948\" src=\"https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters.jpeg\" class=\"attachment-large size-large wp-image-20302\" alt=\"\" srcset=\"https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters.jpeg 948w, https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters-750x750.jpeg 750w, https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters-150x150.jpeg 150w, https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters-768x768.jpeg 768w, https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters-300x300.jpeg 300w, https:\/\/cceditors.ca\/wp-content\/uploads\/2022\/01\/BrainTaylor-and-grand-daughters-12x12.jpeg 12w\" sizes=\"(max-width: 948px) 100vw, 948px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Brian's future tax clients<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e01393 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e01393\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-db93b3b\" data-id=\"db93b3b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ab0c73e elementor-widget elementor-widget-template\" data-id=\"ab0c73e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20312\" class=\"elementor elementor-20312\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77f349d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77f349d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e1bb10f\" data-id=\"7e1bb10f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-350b3a6f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"350b3a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5598ff34 elementor-widget elementor-widget-heading\" data-id=\"5598ff34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Listen Here<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4124114a elementor-widget elementor-widget-html\" data-id=\"4124114a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/21560327\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/backward\/render-playlist\/no\/custom-color\/990000\/\" height=\"90\" width=\"100%\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8db0ca8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8db0ca8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ee2b97\" data-id=\"4ee2b97\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9280f5 elementor-widget elementor-widget-accordion\" data-id=\"b9280f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1941\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1941\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">EPISODE 57 Transcript<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1941\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1941\"><p><b>The Editor\u2019s Cut &#8211; Episode 057 &#8211; \u201cThe Business of Freelance with Accountant Brian James Taylor\u201d<\/b><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Ultimately, you&#8217;re going to have to pay some income taxes. In the first year you start out, your taxes are all going to be due the following April 30th. And if you don&#8217;t remember that, then you&#8217;re going to come to April 30th you&#8217;re going to have spent all your money on capital equipment or just life. So, I suggested to you, I believe that you should sort of set aside 25% &#8211; 30%. You&#8217;re just a single freelancer. That probably would be sufficient to set aside enough money for taxes and you&#8217;d probably find you won&#8217;t need it all. And that will allow you to buy the new computer, the new edit suite. Obviously, you may need that stuff anyways, but if you can try and set aside those kinds of funds that should probably do you in good stead.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Hello and welcome to the Editors Cut. I&#8217;m your host, Sarah Taylor. We would like to point out that the lands on which we have created this podcast and that many of you may be listening to us from are part of ancestral territory. It is important for all of us to deeply acknowledge that we are on ancestral territory that has long served as a place where indigenous peoples have lived, met, and interacted. We honor, respect, and recognize these nations that have never relinquished their rights or solvent authority over the lands and waters on which we stand today. We encourage you to reflect on the history of the land, the rich culture, the many contributions, and the concerns that impact indigenous individuals and communities. Land acknowledgements are the start to a deeper action.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">I sat down and interviewed Brian James Taylor, a retired chartered accountant, who also happens to be my Dad. When I first started freelancing, my Dad was the go-to for anything tax related or finance related, and it made a huge difference in my business. So, I thought it would be great to share that wisdom that he shared with me with all of you. I hope you enjoy.<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 3:<\/span><\/p><p><span style=\"font-weight: 400;\">And action. This is the Editors Cut.<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 4:<\/span><\/p><p><span style=\"font-weight: 400;\">A CCE podcast.<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 5:<\/span><\/p><p><span style=\"font-weight: 400;\">Exploring-<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 3:<\/span><\/p><p><span style=\"font-weight: 400;\">Exploring-<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 6:<\/span><\/p><p><span style=\"font-weight: 400;\">Exploring-<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 3:<\/span><\/p><p><span style=\"font-weight: 400;\">The art-<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 4:<\/span><\/p><p><span style=\"font-weight: 400;\">Of picture editing.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Welcome to the Editors Cut, Brian Taylor, also known as my Dad. Thank you for joining us today.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Not a problem. Before we get started on the questions, Sarah, I just want to mention that nothing that we discussed today should be considered to be tax advice that you can rely on. Everybody&#8217;s situation is different and unique. And if you&#8217;ve got specific questions or issues, you should be sitting down and discussing those with your tax advisor.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">When I started freelancing, I had so many questions. And my Dad was like, so important in that process of figuring out, well, what am I supposed to do? And so I was asking him stuff all the time. So I thought that maybe I would ask Dad these questions now, because there&#8217;s probably lots of other people out there that are in similar situations that I am. One of the first questions I have is I remember you telling me at every paycheck I got, that was a freelance check, because when I first started freelancing I was like working on the side, still had a full-time job. And you had told me that there&#8217;s a certain percentage that we should always save or be mindful of, for when we are receiving this freelance money. So, what should we think about when we&#8217;re first preparing with our first amounts of money that we&#8217;re getting as a freelancer?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, what I was telling you and telling anybody just starting out in business is that ultimately you&#8217;re going to have to pay some income taxes. In the first year you start out, your taxes are all going to be due the following April 30th. And if you don&#8217;t remember that, then you&#8217;re going to come to April 30th, you&#8217;re going to have spent all your money on capital additions, capital equipment or just life. And so, I suggested to you, I believe, that you should sort of set aside 25% &#8211; 30%. And I think that&#8217;s probably going to be high initially until you really become full-time and have more staff, et cetera. But you&#8217;re just a single freelancer. That probably would be sufficient to set aside enough money for taxes. And you&#8217;d probably find you won&#8217;t need it all. And that will allow you to buy the new computer, the new edit suite. Obviously, you may need that stuff anyways, but if you can try and set aside those kinds of funds that should probably do you in good stead.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">This might be a really basic question, but can you explain what it means to write something off? What does that actually mean?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">You have your income that you earn. You had to pay for things. You had to spend money to earn that money. So, maybe you had to do some advertising so, people knew that you were out and about and available for work. Maybe you paid somebody to design a webpage for you. So, if you have spent money in an attempt to earn income those generally you can deduct as an expense. So, when I say right off the cost of the advertising really you&#8217;re deducting it. And there are a lot of different expenses you should look at. I always say that if you think it might relate to trying to earn your business income, then keep the receipt or hopefully you&#8217;ve got a system where you&#8217;re able to record your expenses as you go along and your income so you&#8217;re not&#8230; Like one client I had many, many years ago brought all his receipts, he was a farmer in a Kellogg&#8217;s Corn Flakes box.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">It&#8217;s a system of some sort.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, there was no system at all because&#8230; Anyways, it was awful. But fortunately, I didn&#8217;t have to do it.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah, no kidding.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">But let me run through some of the expenses that maybe you wouldn&#8217;t think about. Meals and entertainment. The lunch you have today, not a deductible expense. But if you take a producer out to lunch to convince him or her that you&#8217;re the editor that should be working on the particular job and you pay for it, then you can call that a legitimate business expense. In this case, meals and entertainment are only 50% deductible.\u00a0<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">But you could do the same thing by taking a producer, or a potential client to some kind of a show, or you pay for them to go to a conference. But if you&#8217;re paying, then you can get that as a deduction. You might have to buy some insurance for liability issues, or errors and emissions. That would be deductible. Interest on business loans. So, if you have to go to the bank because you&#8217;re just starting and you have to buy your edit suite, you might have to borrow, that interest would be deductible. I assume you pay fees to belong to the Alberta and the Canadian editor associations?<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Deductible. Office supplies, legal and accounting fees. If you don&#8217;t work in the office, rent, tenant insurance, utilities. Do you have to get your equipment repaired? That would be a deductible expense, or something you could write off. If you get big enough, then you have employees, obviously salaries and benefits. Do you outsource some of the work that you do? Do you get somebody to help you out? The contract payments you make to that person would be deductible.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">I know you at one time traveled. You traveled to Calgary to do some work. Your expenses to go there, your travel costs to get there, plane, train, taxi, car, hotel costs, your meals while you&#8217;re away from home would be deductible. Conferences, out town conferences you&#8217;ve gotten. I know you&#8217;ve had to go to conferences. You&#8217;ve gone to the awards ceremonies when you won your awards as Canada&#8217;s Best Ever Editor, or maybe no, maybe not quite that. Okay, it was Alberta.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Thanks Dad.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">When you finish a product, and you can&#8217;t drive it over yourself do you get a courier company to send it over? That cost would be deductible. Postage. Cell phone. Use your cell phone for work, maybe there&#8217;s a percentage of the cell phone that&#8217;s work related and you can claim 30% or 40 or 50, depending on how much you use the phone for.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Well, some producers it&#8217;s all the time because they text you, and they email you, and they call you [crosstalk 00:08:01].<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, so there you go. I mean, that&#8217;s a business cost because you are using it, you know from&#8230; during the business hours, you&#8217;re using the cell phone primarily for work. And I may have missed some things, but what I&#8217;m saying is, think\u2026whenever you spend some money, think about; Is this related to my business? And then if it&#8217;s a possibility it might then keep the receipt and make note of it and talk to your accountant if you&#8217;re using somebody to finish off your books, your accounting file and your tax return at year end and see what he, or she says. You can&#8217;t claim it if you didn&#8217;t keep it.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Exactly. So you need to have those receipts. That&#8217;s the key.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. You need the receipts for at least two reasons. One, because you need to know the amount you paid and what it&#8217;s for. And secondly, if Canada Revenue Agency does decide they want to do an audit, and they do audit periodically, then you need to be able to support what your expenses are.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Right. Yeah. So, you can&#8217;t make up an arbitrary number, being like; &#8220;Oh, I went for lunch four times this year,&#8221; or whatever. &#8220;And it kind of cost this much money.&#8221;<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">It&#8217;s not a good idea.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. It&#8217;s not ideal. Okay. Now what about gas and mileage? If you&#8217;re driving to somebody else&#8217;s office to do work, that sort of thing would also be something I could write off?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yes. So you&#8217;re driving over instead of sending the courier company over or a taxi, what the government likes you to do is keep track of all of your car expenses. And so, that&#8217;s your car insurance, your license plates, your oil and filter changes, any repairs, gas, and also keep track of your kilometers. And so, you keep track of your business trips. And so you then, so you say, &#8220;Okay, I did 10,000 kilometers this year and a thousand of it was on business trips. And so, I claim 10% of all my expenses.&#8221; Now that&#8217;s what you&#8217;re supposed to do. If you don&#8217;t use the car that often, and these days it&#8217;s probably even less and less because-<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Never.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">&#8230; of COVID, what you could do is, if you&#8217;re taking some trips, like let&#8217;s say you went down to Calgary for a one day conference or something, you could just keep track of the gas that you spent on that trip and claim that because that was a business trip.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So that&#8217;s not as good and you may not be getting as much of expenses. The other thing I forgot is you might have borrowed to buy the car. And so you&#8217;ve got interest expense you could deduct as well, and depreciation. So, but it&#8217;s a lot of work.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yes.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, it&#8217;s just you have to get into a system. And so, if you take an odometer reading on January 1 if you&#8217;re at December year end and you take it on December 31st, that gives the total. And then what I would suggest you do is you just write down the business trip only. If you don&#8217;t have a lot of business trips then you&#8217;d write down, &#8220;On April the 19th, I went 30 kilometers to and 30 kilometers back from my producer&#8217;s place of business,&#8221; named the producer, maybe even name the show you worked on and do it that way. But it is more work. So, it just depends on how much you&#8217;re using the vehicle, as to whether it&#8217;s worth your while.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah, I know in the past I&#8217;ve used in the past, different apps to keep track and I&#8217;ve also heard of apps that can&#8230; they know when your car&#8217;s moving and they just keep track of it on its own. But it is something you have to remember, and I&#8217;ve been notoriously bad for remembering. But to know that, yeah, if you&#8217;ve bought a car or you have a car loan it could really add up quick I&#8217;m guessing.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Oh, definitely.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">If you are driving all the time for work and even if you&#8217;re not, but just that little extra, I&#8217;m sure, every little extra helps.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Now the one thing I should say is if you are working out of an office, and so you&#8217;ve rented an office somewhere, driving from home to that office is considered to be personal because that&#8217;s where your work is. Just bear that in mind.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. But then I guess for most freelancers they work from home and then they will go to somebody&#8217;s studio if they get contracted. So, that would still be considered business if they&#8217;re going to somebody else&#8217;s studio. Okay. Well, that&#8217;s good.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Your place of work, your main place of work is your residential address. So anything related to work when you leave the home that would be considered business use.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, now coming to home offices, how do we write off the expenses of our house that are like for work?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Okay. So, you have an office in your house that is exclusive for your work. And so, I believe what you&#8217;ve done is you&#8217;ve determined the square footage of your office and the square footage of your house. And so, let&#8217;s say that number is 8%. You can then deduct for your office, if you like, 8% of the heating costs, your home insurance, electricity, cleaning materials, which I don&#8217;t imagine is much, property taxes, mortgage interest, and the government will let you claim depreciation, or tax lingo it&#8217;s capital cost allowance. But I don&#8217;t normally recommend that because if you&#8217;re claiming capital cost allowance on a portion of your house, when you sell it then you&#8217;ll have to pay tax on a portion of the house.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">That could get complicated.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Normally, principal residents, you don&#8217;t have to pay tax when you sell it. You have to report it on your tax return but you don&#8217;t have to pay tax on it normally.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">That&#8217;s good to know. When should somebody register for GST and PST as a freelancer sole proprietor person?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">The rule for GST is that when your income in the first year exceeds $30,000, you have to register. If you&#8217;re going to be full-time as a freelancer, you&#8217;re probably going to be over 30,000 anyways. So, what you probably should do is register when you start your business. That means that you will have to charge GST on your invoices, but you\u2019ll also then be able to claim any GST you&#8217;ve paid on your expenses. You will be able to recover that GST. So, if you have a $1000 invoice that you charge 5% GST on, and so that&#8217;s $50, if you spent $10 on supplies that month, the GST was $10, then when you file your GST return, you would say; I collected $50, or I will be collecting when my producer pays me. I paid $10. So, I only have to send $40 to the government. Now it won&#8217;t be, necessarily monthly. You might even be filing annually. I&#8217;m not sure whether&#8230; or quarter quarterly depending on your revenue source. PST, provincial sales tax, I&#8217;m sure you&#8217;ve registered for PST in Alberta since you don&#8217;t have any.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Nope.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, other provinces do have provincial sales tax. So, you&#8217;d have to take a look at their rules and regulations to see if the work you&#8217;re doing is something that you have to charge PST on. Provincial sales tax was not an area I dealt with or dealt in. So, I can&#8217;t tell you which provinces require you to register for PST. But just be careful because you don&#8217;t want to get caught not complying with the laws. So, if your work is something that is taxable for the province that you live in, then you should be registering and paying the provincial sales tax as required, and charging your clients.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. So what happens if you don&#8217;t do that?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, if you get caught, if there&#8217;s an audit done and you haven&#8217;t been collecting and charging and collecting GST then they can fine you. They can charge you interest, and penalties for the shortfall, and they can make you pay the GST that you should have paid.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Oh, wow. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, generally not a good idea to not get involved in paying the tax, whether it&#8217;s provincial, federal, GST. You should always file your tax returns. Now I would suggest you file them on time because if you don&#8217;t there can be a late filing penalty. And why would you want to give more money to anybody because you just didn&#8217;t get around to pulling together your accounting information and getting somebody to file a tax return for you?<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Yeah. And then if you do owe, then you&#8217;ll pay interest on top of that as well I&#8217;m guessing, right?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yes. Yeah. And that actually leads to another issue. I don&#8217;t know if that was a question you&#8217;re going to ask, but your income tax. As I said before, your first year taxes are all due April 30th, because the government doesn&#8217;t know that you&#8217;re working as a freelancer. But once you&#8217;ve filed your first tax turn and if there is taxes payable, then the government&#8217;s going to want you to pay installments. If you&#8217;re an employee, your tax is taken off from your paycheck every period, every pay period. So they&#8217;re very happy. They get their tax every month or every two weeks. But as a self-employed individual, there&#8217;s nobody to take the tax off. So, they ask you to pay installments on March 15th, June 15th, September 15th, and December 15th. And if there&#8217;s any more taxes owing they want you to pay it the following April 30th.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">They will send you a notice. So, if you don&#8217;t get a notice because you didn&#8217;t have to pay installments they won&#8217;t send it to you. But once you get the notice, for example, you get one in probably August for September and December. They&#8217;ll send you a notice. They&#8217;ll send you some slip you can take over to the bank if you don&#8217;t pay it online, and you should, unless you know your income is going to be way lower in the current year maybe because COVID didn&#8217;t let you work, unless you&#8217;re in that situation, if your income is consistent or maybe growing every year, you should always pay what the government tells you. And if you do, they won&#8217;t charge you interest for being late. But if you&#8217;re late and you should have paid the taxes and your tax bill is higher next April then they will probably charge you installment interest too. And that right now is&#8230; I believe it&#8217;s 5%.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Whew.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, it&#8217;s more than what you probably would pay on overdraft in your bank or loan you could get. So, way better off to try and pay the installments as required.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. It&#8217;s always something that I think I message you every year. I&#8217;m like, &#8220;Dad, do I have to pay this?&#8221; You&#8217;re like, &#8220;Yes. Pay the installments.&#8221;<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Like I said, the issue is in a year when your income is expected to be down. It&#8217;s a little tougher because as a freelancer you still don&#8217;t know for sure what you&#8217;re going to earn in September and November.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Exactly. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, you&#8217;re guessing. But you are allowed to estimate what your taxes will be in the current year and reduce your installments. But if you&#8217;re wrong then there&#8217;ll be some tax to pay&#8230; or some interest to pay.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">And then if you pay the amount and you make less than you could get money back in the end, right?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, if you&#8217;ve paid &#8220;too much&#8221;, yes. You&#8217;ll get your refund back when you file your tax return, usually in April.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Now I think the March 15th date is really tricky because I know for myself, I think I forget about that sometimes because I&#8217;m in the process of prepping all of my tax information that I forget to pay the March 15th tax installment. And then I think what also is kind of sometimes confusing is&#8230; So, maybe you can walk us through this again. So, I&#8217;m going to&#8230; I have to pay tax installments, March 15th, August 15th-<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">March, June, September, and December. I have diarized in my calendar and diarized forever that I have installments to pay and I put it on March 13th or 14th just so I&#8217;m a day early. But I&#8217;ve got them all diarized. I don&#8217;t know the amount that I&#8217;ll pay next year, but I know that I have to pay it. So, if I don&#8217;t have that installment notice from CRA in my hands, in my case, because it&#8217;s sent to me electronically, my calendar reminds me.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. Okay. So, it&#8217;s good to keep on track of that stuff.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">I know there&#8217;s lots of places that we can donate our money to different charities and organizations. We can claim that in our taxes. But what if we&#8217;re donating our time for projects, for nonprofits? Is there a way of getting any sort of recuperation in our taxes from that set kind of work?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">The short answer is no. And I&#8217;ll tell you why. If you are donating your services, and let&#8217;s say it&#8217;s worth $1000. What you would normally do is you would invoice the charity a $1000 and then you&#8217;d say, &#8220;Oh, but I&#8217;m going to give that. I&#8217;m going to wipe out that invoice because I want your good cause and I want to donate my time.&#8221; Well, in the accounting world or the tax world, what you should be doing is showing income of $1000, and then a write off of $1000, or a deduction of $1000, which nets to zero. So that&#8217;s why the short answer is no. When a business person is donating his or her time that they charge people for it, it should be included income and as a deduction. So, basically it&#8217;s a wash.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Right, because there&#8217;s no money transferring.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Correct.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Another big question that comes up often is when should somebody who&#8217;s self-employed, or a sole proprietor decide to incorporate or should that even be something we think about? What are your stance on that from the accounting side of things?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">I told my clients, and I think I told you the same thing, and this first part&#8217;s the legal part, but if you&#8217;re in a business that is really risky legal wise, that there could be somebody that could be hurt on your premises, a construction company, for example, I guess if there&#8217;s something you could do and if you really made a big mistake, it&#8217;s going to cost somebody millions of dollars and they&#8217;re going to sue you for the mistake you made, and you can&#8217;t get enough insurance to cover that error and omission, the errors and omissions insurance, or liability insurance for somebody hurting themselves on your site, then you might want to consider incorporating. But talk to your lawyer about that or insurance broker. If you are going to make more money than you will possibly need in a normal year then you might want to incorporate. And I&#8217;ll explain why in a minute.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">And the other reason is if you have a lot of debt related to the business. So, you had to borrow like thousands and thousands of dollars, or tens of thousands of dollars, then you might want to incorporate. And the reason for that in Alberta, a small business, the first $500,000 is taxed at 11%.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Oh, that&#8217;s a lot less.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Whereas a person who makes 100 to 150 thousand dollars would be paying 38%. So, if you earn $10,000 and you pay 38% tax you&#8217;ve got $6,200 left to pay off your bank loan. If you have $10,000 and pay 11%, you&#8217;ve got $8,900 to pay off your bank loan. So, you can pay it off quicker if you like. And if you only need $100,000 or $50,000 of your income, net income, then if you can leave the other $100,000 in the company you pay 11% versus paying say 38%. So, in that case, it&#8217;s a deferral because when you take the money out you&#8217;ll have to take it out as a dividend and then you will pay tax.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Right. Yeah. Okay. That makes sense.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, if you have a company, you pay corporate tax and then you pay dividend tax when you take it out. If you earn it personally, you just pay your one level of tax.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">But then you also pay yourself a salary if you&#8217;re incorporated. So, then if I was incorporated and then I&#8217;d still have to do personal taxes and my corporate taxes. Correct?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yes, yes, yes. And you&#8217;re right. If you&#8217;re making $150,000 in your company and you only want $50,000, you could take a wage of 50,000, send in the tax and CPP, and leave the rest in to be taxed in the company. Now you&#8217;re going to have to incorporate a company. That&#8217;s probably going to cost you $1000 or so. You&#8217;re going to pay an annual&#8230; I&#8217;ll call it a registration fee to the government every year that could&#8230; and maybe $30-$400 bucks. You&#8217;re going to pay an accountant to do the corporate accounting, and the corporate tax return. And then you&#8217;ll pay probably that same accountant if you&#8217;re doing that to prepare your personal tax return. So, there might be an additional cost of $1,500 to $2,000 dollars depending on how complicated things are and how much you do versus how much you have the accountant do. So, you want to make sure it&#8217;s worthwhile.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Another thing you have to do is you have to remember this is now a separate entity. And so, you&#8217;ll need a separate bank account. And you can&#8217;t just take the money whenever you want without having to either declare a dividend, or pay a salary. Now you should probably have a separate bank account anyways. I always recommend that you keep your business separate from your personal bank. For one reason, it&#8217;s easier to remember all your expenses because you look at the bank statement say, &#8220;Oh, look, I spent that $500 and I forgot about that in my accounting record.&#8221; So, when you try and reconcile your bank, you&#8217;ll see that you&#8217;ve missed an expense. That&#8217;s a recommendation anyways.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">The incorporation thing sounds like&#8230; For me personally, it sounds like a lot of work that I wouldn&#8217;t really need to do. So, I&#8217;m glad that I&#8217;ve chosen not to.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">But if you had developed your business where you had three or four editors working for you. You were just out and about generating new business. And you might be making enough money off the other employees that you don&#8217;t need it all.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">That&#8217;s true. Yeah. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, everybody&#8217;s situation is different.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">For sure. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">For a single freelance editor probably it may not be worthwhile.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Would you recommend that you do, like go to an actual accountant to do your taxes, or are these online tax software sites good?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, it depends on how comfortable you are in doing financial work, how comfortable are you in keeping track of all your expenses and doing your own accounting. Once you&#8217;ve got the accounting done the tax return isn&#8217;t all that complicated. It just shows up as net business income. But do you know what depreciation rate to claim on a computer, on&#8230; Yeah. No. So you may need&#8230; yes, you could do some research and you could look it up. It&#8217;s easy to find things online these days. But what&#8217;s your comfort level and frustration, anxiety? You may be able to find it eventually. It might take you 10 or 20 hours to do something that might take me an hour.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Exactly. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Or where would you rather spend your time? So, is it, can you make more money by spending that extra five hours or so working, or the anxiety and the extra hours to work on the accounting side?<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">For sure.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, a lot of people, that if it&#8217;s not there bailiwick then they get somebody else to do that. That&#8217;s why we have plumbers, because I don&#8217;t know how to deal with plumbing.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">I hear you. What do you think are the best practices that we should do throughout the year to ensure that the process is smooth when it comes to the tax time?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Biggest thing, a couple things I guess, is keep track of your expenses. I mean, you can keep track of expenses yourself. You can do an Excel spreadsheet. There&#8217;s probably software out there you can keep track of it as well. But if you are not so inclined, then set up a system with your accountant as to how that information gets to him or her and might be better to do it monthly, quarterly than waiting until you year end because then you&#8217;ve got that Kelloggs box of Kellogg&#8217;s cereal box of receipts. We don&#8217;t want to do that. Or a shoebox we used to call it.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The other thing is try and make sure you invoice on a regular basis. Well, first of all, you need the cash. So, that&#8217;s one reason why you want to invoice as often as possible. But set up a system with your clients and whether it&#8217;s monthly, bimonthly, maybe if it&#8217;s a small enough job it&#8217;s just when job&#8217;s finished, but you need the cash. So ,you\u2019ve got to pay expenses. So, try and keep that done on a regular basis too.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">I know with my accountant I was able to&#8230; They did bookkeeping and accounting in one. I don&#8217;t make my dad do my taxes anymore. He used to do them when I was young, but I&#8217;ve grown up and I have my own accountant. I&#8217;m sure he still would though if I asked him. But yes, so there are systems out there where you can find accountants that can offer that, and mine&#8217;s just all online. And I&#8217;m sure there&#8217;s other online programs that people use. So, it&#8217;s definitely something that can be&#8230; not easy but for sure.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Correct.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">But still it&#8217;s something you have to keep up on. And I still have trouble with that. One of my other questions is should we consider getting EI, or contributing to EI? So, that if anything goes wrong, we have some sort of help, I guess?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, that is now an option. It wasn&#8217;t always an option. Generally, self-employed individuals do not have to pay EI. But that means they don&#8217;t get any of the EI benefits. So you don&#8217;t get maternity leave and you don&#8217;t get any kind of benefit if all of a sudden your income is gone. I think each person has to look at it separately and say what are the benefits? If you are a 45 year old, just starting in business and you are not going to have any more children, that means you haven&#8217;t got a chance to get the maternity benefit. Then look ahead and say, &#8220;What are the chances that I might need to qualify to get some support if I work real well for four or five years and all of a sudden everything dries up?&#8221;<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">It&#8217;s a call you have to make. I mean, the cost is right now, it&#8217;s 1.58% on $54,200 maximum. So, the maximum this year is $856. So, that&#8217;s your cost. So, look at what the benefit might be. And I don&#8217;t have that information handy, but I don&#8217;t know what the&#8230; For maternity leave it&#8217;s a year, I believe.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. It&#8217;s a year&#8217;s money, cash wise, but you can spread it out to 18 months. But yeah, it&#8217;s a-<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah, but it&#8217;s only a year of money.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Only a year. Yeah.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah. So, if you&#8217;re younger and you might have two or three kids, you might look at it. But remember, once you&#8217;ve signed the form, or signed on to be part of EI, my understanding is you have to be pay EI for the rest of your business career. So, if you&#8217;re 25 years old and you&#8217;re going to work for another 30 years, that&#8217;s 30 years times $850. And it changes. So, that&#8217;s $24,00 or $25,000 so, over time. The benefit, if you need it, it might be worthwhile because when you need it that means things are tough.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Exactly. Yeah. This year shows us, right? It was a tough year. So, yeah. These are the moments when we&#8217;re like, &#8220;Ooh.&#8221; Yeah. So, it&#8217;s good to think about that stuff. Now RSPs are something that I always invest in. So, that&#8217;s a way to save us money on our taxes.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Correct.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">So, tell us a little bit about RSPs, why that&#8217;s something that we should consider doing for our taxes. And then maybe after that, tell us if there&#8217;s any other things that we should be considering investing in that maybe we don&#8217;t know about.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Well, the RSP was sort of first introduced to help people who wouldn&#8217;t otherwise have a pension. So, if you&#8217;re self-employed and you are your pension plan, this was a way to put money into an investment vehicle called an RRSP, a registered retirement savings plan. And while the money is sitting in that RRSP, it grows tax free. So, it grows quicker. When you take it out, then you pay tax. So, the concept was, let people do this every year, those they can set aside. Current rules are 18% of your earned income to a maximum&#8230; Sorry, I forgot to look that up. It&#8217;s around 20&#8230; 25, $28,000, something like that. So, you can put that money into RRSP. You can do it through your bank. You can do it through a stock broker. You can do it through an online investment account. And as long as you invest in qualified investments, then that money just grows, and grows, and grows hopefully.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">So, you get to deduct it at your marginal tax rate. So if you&#8217;re at a 38% tax rate, then you save 38% of whatever you put in. So, if you put in $10,000, you save $3,800. When you take the money out when you retire, then you pay tax at whatever your marginal rate is. So, the ideal situation is you contribute when you&#8217;re at a high tax bracket. And then when you retire, you have less income and you also have less financial needs. You don&#8217;t need to spend as much money. Surprisingly, that does happen. Then maybe you&#8217;re in a lower tax bracket. So, you&#8217;ve saved at 38 and maybe you only pay at 26. And also, you&#8217;re not paying until 30 years from now. So, you&#8217;re deferring the tax as well. So, it&#8217;s generally a good idea.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">The other option is a tax free savings account. And that is limited at the moment to $1600 dollars that you can put in annually, and it grows tax free as well, but you don&#8217;t pay tax when you take it out. So, it&#8217;s really tax free. But there are obviously lower limits as to what you can put in. So, if you&#8217;re in a low to mid tax bracket and you have to look at which one do I do, probably suggest a tax free savings account, because you never have to pay tax on it. And the other reason is if you buy an RRSP possibility is, you might end up in a higher tax bracket when you cash in, and now you&#8217;ve deducted low and you&#8217;ve paid tax high. So, that&#8217;s not as good an idea.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Now that&#8217;s a general concept. Talk to your financial advisor about that. Nice thing about a tax free savings account, if you have an emergency and you need some money and let&#8217;s say you&#8217;ve got $10,000 sitting in your tax free savings account, you can take that out. Don&#8217;t pay any tax. Next year you can put it back in. So even though the limit for next year might be $1600 dollars, you can put in the $10,000 you took out in 2021. You can&#8217;t do that with an RSP.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">With an RSP you can take some money out if you buy your first house, but then you have to pay that back. Right?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Correct.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">But with a tax free savings account, you can just take it out. And if you don&#8217;t end up putting that money back in you&#8217;re not going to get penalized.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">No. Yeah. You don&#8217;t ever have to put it back in. But if you&#8217;ve got investments or you have enough income that you can have investments, you are better to put it back in.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah, for sure.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">The other thing for people who have younger children is a registered education savings plan. Those funds grow tax free and the government helps&#8230; they kick in cash as well. So, there&#8217;s limits. You can put in up to $2,500 in a year and the government will match 20%. So, they&#8217;ll top it up with $500. You can put $3000 in, but they&#8217;ll only match the first $2,500. That money grows tax free. And when it comes out, as long as it&#8217;s being used for education for your child, or children then the principal you put in, is returned tax free. But the earnings that come out are taxed in your child&#8217;s hands. Traditionally they don&#8217;t have much other income. So, they generally don&#8217;t pay tax, but they do have to report it. And the financial institution that you dealt with for the registered education savings plan will give you a tax slip to show how much is taxable.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Are there any other tips that you would have that we haven&#8217;t covered for making things easier on the minds of a freelancer?<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">It can seem to be like a daunting experience, but if you ever in doubt ask somebody. Well, first I guess these days go online and see if you can find something on a government website or whatever that is a little more authoritarian than perhaps somebody, Joe&#8217;s website, not picking on Joe. But yeah. I mean, most accounting tax financial advisors, they&#8217;re willing to sit down and talk to you and might even sit down for 10, 15 minutes if it&#8217;s a real quick thing and say; \u201cno charge\u201d. We&#8217;re all in business to make money. So, don&#8217;t expect it to be no charge, but sometimes I was willing to help people out because it didn&#8217;t take much of my time, and I could see that it was important to them.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Yeah, yeah. Well, and you have that knowledge. It&#8217;s just in your brain. So, if you have a dad that&#8217;s an accountant, that&#8217;s really helpful. He doesn&#8217;t charge you.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">True.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Or does he? Anyway, thank you, Dad. This has been really helpful. And by the way, this is Brian James Taylor. He&#8217;s a retired C.A. He&#8217;s also my Dad, and it&#8217;s been really great that he always shares his knowledge with me and that he was willing to share his knowledge with all of you. And I hope that it&#8217;s been helpful.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Thanks, Sarah.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Thank you so much for joining us.<\/span><\/p><p><span style=\"font-weight: 400;\">Brian Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Bye.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">Thank you so much for joining us today and a big thank you goes to my Dad, Brian James Taylor, for taking the time to chat with me and for being so supportive over my career. And a special thanks goes to Jane McCrae and Alison Dowler.. The main title sound design was created by Jane Tattersall. Additional ADR recording by Andrea Rush. Original music created by Chad Blain and Soundstray. This episode was mixed and mastered by Tony Bao.<\/span><\/p><p><span style=\"font-weight: 400;\">Sarah Taylor:<\/span><\/p><p><span style=\"font-weight: 400;\">The CCE has been supporting Indspire, an organization that provides funding and scholarships for indigenous post-secondary students. We have a permanent portal on our website at cceditors.ca, or you can donate directly to indspire.ca, I-N-D-S-P-I-R-E.ca. The CCE is taking steps to build a more equitable ecosystem within our industry. And we encourage our members to participate in any way they can. If you&#8217;ve enjoyed this podcast, please rate and review us on Apple podcasts and tell your friends to tune in. Till next time I&#8217;m your host, Sarah Taylor,<\/span><\/p><p><span style=\"font-weight: 400;\">Speaker 4:<\/span><\/p><p><span style=\"font-weight: 400;\">The CCE is a nonprofit organization with the goal of bettering the art and science of picture editing. If you wish to become a CCE member, please visit our website, www.cceditors.ca. 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data-id=\"34baaffe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Subscribe Wherever You Get Your Podcasts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2173714 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"2173714\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-spotify elementor-animation-shrink elementor-repeater-item-b1cc138\" href=\"https:\/\/open.spotify.com\/show\/4fHP62tT10oYg3VmSU06PM\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Spotify<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-spotify\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-podcast elementor-animation-shrink elementor-repeater-item-208b780\" href=\"https:\/\/podcasts.apple.com\/ca\/podcast\/the-editors-cut\/id1412277324\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Podcast<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-podcast\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-google-plus-g elementor-animation-shrink elementor-repeater-item-6d7245f\" href=\"https:\/\/podcasts.google.com\/feed\/aHR0cHM6Ly90aGVlZGl0b3JzY3V0LmxpYnN5bi5jb20vcnNz\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Google-plus-g<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-google-plus-g\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3d4a35 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5f3d4a35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f415810 elementor-widget elementor-widget-heading\" data-id=\"f415810\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What do you want to hear on The Editors Cut?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-297e4803 elementor-widget elementor-widget-text-editor\" data-id=\"297e4803\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658e19bb elementor-widget elementor-widget-text-editor\" data-id=\"658e19bb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>Please send along any topics you would like us to cover or editors you would love to hear from:<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e296d6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"51e296d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"mailto:podcast@cceditors.ca?subject=To%20the%20team%20behind%20the%20Editors%20Cut&#038;body=I%20am%20reaching%20out%20to%20you%20today%20to...\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">podcast@cceditors.ca<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6d8de6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a6d8de6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e9e16f\" data-id=\"4e9e16f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d2d30a5 elementor-widget elementor-widget-template\" data-id=\"d2d30a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"20341\" class=\"elementor elementor-20341\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ce5d43d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ce5d43d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 2600 131.1\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-487b2029\" data-id=\"487b2029\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7bbd499e elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7bbd499e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credits<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-572e0765 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"572e0765\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6247071a\" data-id=\"6247071a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15bb960b elementor-widget elementor-widget-text-editor\" data-id=\"15bb960b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A special thanks goes to<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1cc3ab3c\" data-id=\"1cc3ab3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bcd6862 elementor-widget elementor-widget-heading\" data-id=\"5bcd6862\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jane MacRae<br><br>\nBrian Taylor<br><br>Jana Spinola<br><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-620eb0d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"620eb0d7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2c2a93ba\" data-id=\"2c2a93ba\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4dd1776b elementor-widget elementor-widget-text-editor\" data-id=\"4dd1776b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Hosted and Produced by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-869be7b\" data-id=\"869be7b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53ede078 elementor-widget elementor-widget-heading\" data-id=\"53ede078\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Sarah Taylor<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4d9d3b1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4d9d3b1d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-737cfc0f\" data-id=\"737cfc0f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c65545b elementor-widget elementor-widget-text-editor\" data-id=\"3c65545b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Main Title Sound Design by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6cd3a9f3\" data-id=\"6cd3a9f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5110491 elementor-widget elementor-widget-heading\" data-id=\"5110491\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jane Tattersall<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-733fd80c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"733fd80c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2b932f62\" data-id=\"2b932f62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63b69b35 elementor-widget elementor-widget-text-editor\" data-id=\"63b69b35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ADR Recording by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2ea8b274\" data-id=\"2ea8b274\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-262306c2 elementor-widget elementor-widget-heading\" data-id=\"262306c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Andrea Rusch<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6c17b799 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6c17b799\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6eff674d\" data-id=\"6eff674d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a3881b1 elementor-widget elementor-widget-text-editor\" data-id=\"4a3881b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mixed and Mastered by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-79958f89\" data-id=\"79958f89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78f3cc12 elementor-widget elementor-widget-heading\" data-id=\"78f3cc12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tony Bao<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-43b5619e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43b5619e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6fed60cc\" data-id=\"6fed60cc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e9bbd32 elementor-widget elementor-widget-text-editor\" data-id=\"4e9bbd32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Original Music by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f26151b\" data-id=\"6f26151b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa8bab3 elementor-widget elementor-widget-heading\" data-id=\"aa8bab3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chad Blain<br>\nSoundstripe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-620a90f3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"620a90f3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-25f6e00e\" data-id=\"25f6e00e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6830468c elementor-widget elementor-widget-text-editor\" data-id=\"6830468c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sponsor Narration by<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1c81ab32\" data-id=\"1c81ab32\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78eca2c4 elementor-widget elementor-widget-heading\" data-id=\"78eca2c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Paul Winestock<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fdea6f3 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"2fdea6f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e97f68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e97f68\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div 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href=\"https:\/\/cceditors.ca\/fr\/2021\/12\/episode-056-editing-unorthodox-with-gesa-jager-and-hansjorg-weissbrich\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headphones-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Previous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6e41f37a\" data-id=\"6e41f37a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ccc7dfd elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"7ccc7dfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/cceditors.ca\/fr\/what-we-do\/podcasts\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Main Podcast Page<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-359c1421\" data-id=\"359c1421\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbb4857 elementor-align-right elementor-mobile-align-center elementor-tablet-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"fbb4857\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/cceditors.ca\/fr\/2022\/01\/episode-058-editing-seduced-inside-the-nxivm-cult-with-inbal-b-lessner-ace-and-gillian-mccarthy\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-headphones-alt\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Next<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In today\u2019s episode Sarah Taylor chats with Brian James Taylor. Brian is a retired chartered accountant and also happens to be Sarah\u2019s Dad. Sarah and Brian talk about all things tax. He shares the same wisdom that helped Sarah succeed in her freelance career with all of you! Brian&#8217;s future tax clients<\/p>","protected":false},"author":3,"featured_media":20291,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"pmpro_default_level":"","footnotes":""},"categories":[9],"tags":[458,28,82,44,472,306,307,35,436,988],"class_list":["post-20290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-editors-cut","tag-balado","tag-cce","tag-editing","tag-editor","tag-montage","tag-monteurs","tag-monteuses","tag-podcast","tag-podcast-interview","tag-the-editors-cut-2","pmpro-has-access"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Episode 057: The Business of Freelance with Accountant Brian James Taylor &#187; Canadian Cinema Editors \/ Les Monteurs et Monteuses de cin\u00e9ma canadien<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cceditors.ca\/fr\/2022\/01\/episode-057-the-business-of-freelance-with-accountant-brian-james-taylor\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Episode 057: The Business of Freelance with Accountant Brian James Taylor &#187; Canadian Cinema Editors \/ Les Monteurs et Monteuses de cin\u00e9ma canadien\" \/>\n<meta property=\"og:description\" content=\"In today\u2019s episode Sarah Taylor chats with Brian James Taylor. 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