and first click on the how's of taxes, select the next module that hasn't been covered, and complete the activities in that module. Write a short synopsis of the lesson and how you did on the assessment. Once the how's of taxes modules have been completed (there are 14) then the next student will start on the why's of taxes (there are 25). After all of the modules have been used, the next student will go to the irs.gov website and summarize one of the articles found on this site. Summaries need to be 150-200 words in length. Have fun and learn something about one of the two certainties in life.
Emigdio Escobedo
ReplyDeletePeriod 2
Module 1: Payroll Taxes and Federal Income Tax Withholding
Employers withhold payroll taxes and income tax from employees' pay. Employers send the amounts withheld to the federal government. Employees complete Form W-4. Employers use Form W-4 to determine how much income tax to withhold from an employee's pay.
Assessment Score: 10/10 (100% correct)
Period 4
ReplyDeleteModule 2: Wage and Tip Income
Unless specifically excluded, all wage and salary income is taxable. All tip income is taxable. Employers report wage, salary, and tip income on Form W-2, Wage and Tax Statement. Employees use Form W-2 to complete their tax returns. Taxpayers need to report all taxable income, even if it does not appear on Form W-2.
Assessment Score: 8/8 (100% correct)
Grace Cha
ReplyDeletePeriod 2
Module 3:Interest Income
Interest Income is the income earned through depositing money in savings programs, buying certificates of deposit (CDs) or bonds, or lending your money. It is earned on money in savings accounts, and tax-exempt interest is not reported on the individual income tax return.
Assessment Score: 4/4 (100%)
Kissa Rizvi
ReplyDeletePeriod 2
Module 4: Dependents
A dependent is a person other than the taxpayer or spouse who entitles the taxpayer to claim a dependency exemption. The term "dependent" means a "qualifying child" or a "qualifying relative." Each dependency exemption decreases income subject to tax. A person cannot be claimed as a dependent on more than one income tax return. The age test applies to a qualifying child. The Member of Household or Relationship Test must be met for a Qualifying Relative.
Score 3/4
wesley andrade
ReplyDeleteperiod 2
module 14: self employed income and tax
Self-employed individuals are independent contractors, not employees. Self-employed individuals control the methods and means of performing services for others. For a business owned by just one person, self-employment income, expenses, and profit or loss are reported on Schedule C, Profit or Loss From Business. Self-employment profit increases the income that is subject to tax. Self-employment loss reduces the income that is subject to tax. Self-employment tax is calculated on Schedule SE, Self-Employment Tax. Self-employment tax increases the total tax. An adjustment to income of one-half of self-employment tax decreases the income that is subject to income tax.
2/3
DeleteCailin O'Connell
ReplyDeletePeriod 2
Module 5: Filing Status
The big rule is if it happened before January 1st of that filing year, you go with that status. If someone is divorced or widowed on December 31st, they file as "Single". If they are married on Christmas, they file jointly. It is cheapest to file jointly as a married couple, or, if widowed, as a widower with dependent children.
Assesment Score: 7/8 and 2/3
brikitta hairston
ReplyDeleteperiod 4
module 6: exemptions
there are two types of exemptions and different ways to file your tax reports. i got 2/4 on the assessment after reading a short summary of the exemptions. if you make less than $3000, then you are a dependent or do not have to file taxes, even if you file you can claim yourself as a dependent on your parents.
Jacob Toy
ReplyDeletePeriod 4
Module 11 : Earned Income Credit
A tax credit is a dollar-for-dollar reduction tax. The earned income credit is a tax credit for certain people who work and whose earned income and adjusted gross income are under a specified limit. A tax deduction reduces income subject to tax. For each dollar of tax deduction, the reduction in tax liability is less than a dollar. The earned income credit is determined by the taxpayer's earned income and adjusted gross income. Taxpayers who are eligible can receive the earned income credit even if their tax is zero.
Gage Roberts
ReplyDeletePeriod 4
Module 12: Refund, Amount Due, and Recordkeeping
A tax refund is given when a persons total tax payment is greater than their total tax. People can choose how they would like to receive their refund, such as a check or a direct deposit. Payments can be made by check, money order, credit card, or debit card. Taxpayers must keep good records of all of their tax involvement in order to support all of the items on their tax return.
Module 7: Standard Deduction
ReplyDeleteOn the assessment at the end, I got 11 correct and 2 wrong answers because I'm bad at understanding what are the exemptions of a certain personal taxpayer on a 1040A form.
A standard deduction is what reduces the amount of one's income that is subjected to taxes as based on filing status, blindness of taxpayers, and whether the taxpayer can be claimed as a dependent on another taxpayer's form, so having these disabilities means less personal income of a taxpayer is subjected to taxes.
Amy Krauhs
Period 4
Aadithya Srivatsav
ReplyDelete6thperiod
Module 8: Claiming Child Tax Credit
In this module, I learned about how child tax credit allows taxpayers to claim a tax credit of up to $1,000 per qualifying child under the age of 17. This tax credit is $1000 per kid. However, you must also have less tax liability then the $1000. I got 3/4 right after reading the assessment.
Reuben Bijy
ReplyDelete2nd Period
Lesson 1 - Why Pay Taxes?
In the lesson I learned about the importance of taxes to the government.The government provides public goods and services for the community as a whole and to pay its bills, the government needs revenue which they get in the form of taxes.
11/11
Joe Thomas
ReplyDeletePeriod 4
Theme 1 Lesson 2: How Taxes Evolve
Article 1 section 8 of the constitution allows Congress to establish post offices, coin money and borrow money. The formal way to make legislation about tax is defined in the Constitution while the informal way is for voters to have their opinions heard by the congressmen. I got 14 out of 17 questions right.
Michelle Pacheco
ReplyDelete6th Period
Theme 1 Lesson 3: The Taxpayers Responsibility
The income tax is based on the responsibility of the payer. Tax evasion is illegal, people evade paying taxes by failing to report their income. Tax avoidance is legal, its the claimer of cerain deduction while paying taxes. I got 12 out of 15 questions right
Felix Chang
ReplyDeletePeriod 4
Theme 2 Lesson 3:Income Tax Issues
In the past, income tax was only collected at times of crisis or war to generate revenue. Congress passed the first federal income tax law in 1862 to help pay off debts caused by the Civil War. The law required people who made more than $600 and relied on voluntary compliance, which ended up covering ¼ of the war revenue. In 1913, the 16th Amendment allowed the government to tax citizen incomes directly.
14/15 correct
Jacqueline Gann
ReplyDeletePeriod 2
Theme 1 Lesson 4: The Taxpayer's Rights
Taxpayers have certain rights when it comes to taxes. There are 10 main rights that all taxpayers have and the IRS must uphold. The US Tax Court was established by Congress in Article 1 of the Constitution, it is a Federal Judicial court in which taxpayers can dispute the amount of taxes they pay. Finally the IRS as well as taxpayers have certain steps that each must do, and taxpayers have the right to agree with tax adjustments or to appeal them. I answered 13 of 15 questions correct.
Amanda Salmon period 2
ReplyDeleteTheme 2 Lesson 1
The Articles of Confederation allowed states to help pay of national debt by taxes, while the US Constitution allows the national government to impose taxes. Taxes were imposed for the purposes of raising revenue, to be fair, and influence behavior. Taxes can be put on imported goods, incomes and the power to make these taxes come from the Constitution.
14/15
Ingrid Curtom
ReplyDeletePeriod 4
Theme 2 Lesson 2 Early Tax Issues
Following the Revolutionary War and the War of 1812, the US was in deep debt and needed to create economic stability and prosperity. There were two very important taxes that helped shape the development of the nation. In 1791, Congress placed an excise tax on the sale of whiskey; this was intended to help shift resources from individuals to national programs and to support a western defense. About 40 years later, the Tariff of 1832 passed and it was a protective tariff that significantly taxed imported goods.
12/15
Jenny Simon
ReplyDelete2nd Period
Module 10: There are two types of education credits. One of them is the American Opportunity Credit and Lifetime Learning Credit.
The requirements for taking these credits depend on:
1). Filing status and AGI or MAGI of the taxpayer
2).Eligible education institution
3). Qualified tuition and related expenses
I missed two out of the four questions.
Alex Duong
ReplyDelete6th Period
Theme 2 Lesson 4
During the Great Depression, millions of Americans were unemployed. In particular, the elderly had trouble finding jobs, not to mention having no method to retire comfortably or at all. Therefore, President Roosevelt asked a woman by the name of Frances Perkins to initiate a fund that helped the elderly receive retirement benefits, thus the Social Security program was born. In the beginning, the program was a voluntary fund, however it soon changed to a mandatory tax that came from working citizen's payroll. It now helps the retired, disabled, unemployed, and federal workers.
14/15
Evan Young
ReplyDelete2nd Period
Module 13
Taxes can be prepared and submitted online in addition to manual (mail). Taxpayers are assigned a PIN to get access to online taxes and to "sign" the documents electronically. Electronic taxes are beneficial because the accuracy is increased, it is easy to use, and tax returns can be issued faster. It is paperless, so you are helping the environment by filing online. It is also secure and more convenient.
Period 6
ReplyDeleteModule 9:
A tax credit is an amount of money that can be offset against a tax liability. The tax credit for child and dependent care expenses allows taxpayers to claim a credit for expenses to take care of children under the age of 13. a disabled spouse, or dependent. To qualify, the taxpayer must earn income from work during the year.
Theme 2 lesson 7
ReplyDeleteThis lesson was about the most recent tax reforms that happened in our country. Most of these reforms focussed on helping individuals out and not large corporations. On the assessment i did very well, as many of the tax reforms are very self explanatory.
Michelle Dang
ReplyDelete6th period
Theme 3 lesson 1: Fairness in Taxes
There are two criteria used to measure fairness in taxes: benefits received (people pay taxes in proportion to the benefits they received from the government's goods/services) and ability to pay (people's taxes in proportion to their resources). People's resources differ because they have different amounts of wealth and income!
Karen George
ReplyDelete4th
Theme 5 lesson 1
There are different types of excise taxes that try to discourage some behavior. There is a sin tax (tax to discourage something that can harm someone), gasoline excise tax (user tax on gasoline) and luxury tax (tax on nonessential items). I did fairl descent on the assessment.
Gabrielle Chaney
ReplyDelete4th PeRiOd
Theme 2: Lesson 5
When it comes to Taxes in U.S History there are many factors that FDR had to deal with. There were Progressive taxes, Tax evasions, mass tax, etc. were a problem in the United States because either the rich were paying too much or not much at all, and the poor were being charged too much on taxes too. The New Deal was the change that Americans needed to change the tax unbalanced between the social classes. My lesson dealt with understand the different tax terms that were used in the early 1930-1940s
Tojo Malayil
ReplyDeletePeriod 6
Theme 2 lesson 6
in 1969 they made an act called the tax reform act of 1969 which required required high-income earners and corporations to pay their fair share of taxes. The Act also offered tax cuts that lowered the tax rates for individuals and increased tax exemptions for the lower-income groups. By the mid 1980's the wealthy found a way to protect their money from taxation. The Tax Reform Act of 1986 reduced the amount of money owed by the wealthy.
Samantha Chan
ReplyDelete2nd Period
Theme 3 Lesson 5: How Taxes Affect Us.
The United States includes many different types of taxes including regressive and progresssive taxes. Each of these taxes were mentioned in activity one. Taxes are not completly proportional. However, the addition and combination of different taxes create a near proportional system.The concept of vertical equity is also described in this lesson where people of different income should have different tax rates. Taxation ultimately tries to be equal and fair. This is differently achieved in regressive, progressive, and proportional systems. Tax Freedom days exist and the days are determined by the amount of taxes paid in the state. In Texas, the tax freedom day is April 13th. The earliest day is March 30th in Louisiana and the latest day is in Connecticut on May 9th. Our tax freedom day is listed as number 32 by the Tax Foundation.
13/15 questions
Natalia Chudumebi Opara
ReplyDelete6th Period
I learnt about filing taxes whether married, single , divorced, living separately or widowed or head of household. The filing for married couples is that they both file together and it is at a very low rate. Single is when you are not married and you are just filing for yourself. If you are divorced maybe last year, then you can file for a single person, but if you have been divorced by this time this year, then you file a married one. If you are divorced and want to file separately then you can request the filing separately one. If you are a widower or a widow from last year you can request to file the widow one, if you are widowed this year then you have to still file as a married couple. If you are widowed for up to four years, you can request to file the head of household one. To be eligible, you have to children dependent on you and factors included.
Timothy Krauhs
ReplyDeletePeriod 6
theme 6 lesson 2
This game worked as understanding an identification the IRS by combing words with there matching definitions of the economic idea.
This comment has been removed by the author.
ReplyDeleteLuke Chacko
ReplyDeletePeriod 6
Theme 6 lesson 1
The U.S. Constitution gave Congress the power to levy federal taxes. Tariffs were the federal government's chief source of revenue until the Civil War, when Congress passed the first federal income tax to help cover war costs. Today, the IRS checks tax returns, collects tax payments, and issues refunds to taxpayers. Electronic filing, available nationwide in 1990, makes filing taxes faster, easier, and more accurate than ever before.
I got 12 out of 15
chinemerem opara
ReplyDeleteperiod 6
theme 3 lesson 3
Progressive tax
a progressive tax takes a larger percentage of income from high-income groups than from low-income groups and is based on the concept of ability to pay. A progressive tax system might, for example, tax low-income taxpayers at 10 percent, middle-income taxpayers at 15 percent and high-income taxpayers at 30 percent. The U.S. federal income tax is based on the progressive tax system.
Ayesha Wahid
ReplyDeletePeriod 2
Theme 3 Lesson 4
Proportional Tax
With a proportional or flat tax each individual or household pays a fixed rate. The sales tax is an example of a proportional tax because all consumers pay the same fixed rate regardless of income. Flat taxes can be considered regressive because a larger portion of income is taken from those with lower incomes.
Assessments: 5/5 and 2/3
Madeline Alcock
ReplyDelete6
Theme 5 Lesson 2- Politics of Taxation
This activity covered which sorts of people support which types of taxes. For example parents would support deductions for raising children and small business owners would support help to small business. Everyone always supports what will benefit them, however meets oppostion from those that are not similar.
Assessements- 10/10 2/4
Leslie Reglos
ReplyDeletePeriod 6
Theme 6 Lesson 3
Many people who have jobs need to file a tax return every year. One option is electronic tax filing, which is quick, more accurate, and more convenient. PINs allow tax payers to sign their returns electronically. Another option is using tax professionals which can be CPA's, tax attorneys, IRS agents, tax prep businesses, and VITA sites. After income tax is filed, the money owed to the taxpayer is called a return.
Assessment: 13/14 correct
Patrick Pecson
ReplyDeletePeriod 6
Theme 4 Lesson 4
"Direct and Indirect Taxes" - There are two types of taxes, direct, which is one that a taxpayer pays directly to the government, and indirect, which can be passed onto another person or group. A tax shift occurs when the business shifts its taxes to others.
Assessment:10/15
Period 2
ReplyDeleteTheme 4 Lesson 3
Income taxes are not collected all at once; they are collected on the basis of when you receive portions of your salary, as parts that are automatically taken out. People believe that tax structures should be based on vertical and horizantal equity, meaning that people of different income groups should pay different taxes, and people in the same income groups should pay the same taxes. However, even with these two types of equity, there will be differences in the amount people in the same group pay because of deductions, exemptions, and credits which are all different things that affect a person's total tax liability.
assessment: 13/15 correct
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DeleteMuizz Soomar
ReplyDeletePeriod 6
Theme 4 Lesson 3
Income taxes are on a pay as you go basis, so you pay your taxes as your income comes in. Your money is withheld from your paycheck so you never see how much ur actual paycheck is. They take it before you even see it. People believe that the US Tax system should abide by the horizontal and vertical equity system.
Assessment: 10/13
This comment has been removed by the author.
DeleteTwinkle Joseph
ReplyDeletePeriod 4
Theme 3 Lesson 3
Regressive taxes
A regressive tax seems fair because because every citizen pays the same amount, regardless of income level However, it is easy to see that such a tax causes lower-income people to pay a larger portion of their income than wealthier people pay.
Assessment 12/15
Lesson 2**
DeleteMuizz Soomar
ReplyDeletePeriod 6
Theme 4 Lesson 2
In the US market economy there are 3 sections: households, businesses, and the government. Economist use the circular flow model to see the interaction of each sector
Assesment: 10/14
Martin Nguyen
ReplyDeletePeriod 4
Stopping identity theft and refund fraud is a top priority for the Internal Revenue Service. As a result of these aggressive efforts to combat identity theft from 2011 through October 2014, the IRS has stopped 19 million suspicious returns and protected more than $63 billion in fraudulent refunds. While identity thieves steal information from sources outside the tax system, the IRS is often the first to inform a victim that identity theft has occurred. IP PIN: The IRS Identity Protection PIN (IP PIN) is a unique six digit number that is assigned annually to victims of identity theft for use when filing their federal tax return that shows that a particular taxpayer is the rightful filer of the return. In fiscal year 2014, the IRS initiated 1,063 identity theft related investigations. Criminal Investigation enforcement efforts resulted in 748 sentencings as compared to 438 in FY 2013, an increase of 75 percent and the incarceration rate rose 7.1 percent to 87.7 percent. The courts imposed significant jail time with the average months to serve in FY 2014 at 43 months as compared to 38 months in FY 2013 — the longest sentencing being 27 years.
Frankie Smith
ReplyDeletePd.6
Interest rates remain the same for the second quarter of 2015. The rates will be 3% for overpayments (2% in the case of corporation), .5% for the portion of a corporate overpayment exceeding $10k, 3% for underpayments, and 5% for large corporate underpayments. The Internal Revenue Code determines the rate of interest on a quarterly basis. Non-corporate taxpayers' under- and overpayment rates is the federal short term rates with an added 3 percentage points. For corporations, however, the underpayments are the federal short term rates with the 3 percentage pints, like the non-corporate taxpayers, but their overpayments are the federal short term rates with only a 2 percentage point addition.
Emmitt Penelton
ReplyDeletePeriod 2
Theme 6 Lesson 3
People need file tax returns every year. An option is to do it electronically, it fast and does it pretty quick. Pins allow alot of people to return their taaaxes and sign off on them electionically
Arjun Daru
ReplyDeletePeriod 2
Theme 5: Lesson 1 - How taxes influence behavior
Sin taxes are taxes on services or goods that can harm an individuals life, such as cigarettes. Gasoline excess taxes are payed by gasoline users and are used to maintain roads and highways.Luxury taxes are taxes on luxuy items such as expensive cars. These taxes go to benefit all citizens
Axel Cuypers
ReplyDeletePeriod 4
Tax-related identity theft is when someone uses your stolen Social Security number to file a tax return claiming a stolen refund. However, refunds are tailored to the individual, thus this is theft in the sense of identity and money. Generally, an identity thief will use your SSN to file a false return early in the year, the first indication of fraud. You may not know someone has stolen your tax return until you try to file your taxes and learn one already has been filed using your SSN and your claim has been taken.
ashley garcia
ReplyDelete2nd period
irs.gov
topic 308
this article is talking about how to correct errors you have made on any of your tax forms.in the article the irs states that if any mathematical problems have been made it is likely that they will correct it themselves.however if there is a problem in the filling status (ex. marriage,sex,income,deductions and credit) then you must follow the produres and fill out the proper forms also if any taxes are still owed from the following year then you must pay those first to avoid penlites and interest.also for these forms you must also include your taxpayer identification number.
Jayson Varughese
ReplyDelete4th period
A major issue in our society today is that many wait till the last second to turn in important documents regarding the taxes required to pay. When so many people wait till the last minutes to file taxes, they sometimes end up wit some sort of error which needs to be corrected. Therefore, the IRS gives advice for people to file their taxes electronically. This will prevent issues from arising and going unnoticed, as if everything regarding taxes is done through the internet, the computer system can easily detect any issue that may arise. Also the IRS advises tax filers to check if they are eligible for tax benefits. There are many tax benefits available for those who are low to moderate income families. Checking these benefits will allow families who are making low income to keep moat of their money instead of giving most of what they have to the IRS.
Reuben Kuruvila
ReplyDeletePeriod 4
Many cases of identity theft can happen to taxpayers too. To help prevent this, the IRS has made a system to require some sort of identity verification that only the real taxpayer will know how to do. Through online programs and other systems, the IRS hopes to accomplish the goal of privacy and protection of taxpayers' money and information. The taxpayers also receive the 5071C letter as another way to make sure they are the actual person they say they are. Overall, the IRS is hoping to minimize identity theft through their extensive measures to protect taxpayers.
Tiffany Smith
ReplyDeletePeriod 6
With the approaching deadline of turning in taxes coming up, the IRS released tips that will aid taxpayers in the process of doing taxes and prevent common errors that could delay their refunds. The tip that the IRS considers to be most important is that they advise all taxpayers to file electronically because it reduces all possible errors exponentially, due to the fact that all calculations is done by the software, and if key information is missing the software will alert you. Other tips that the IRS provides are: Before filing take a moment to see if you qualify for often-overlooked tax credits and deductions, make the Right IRA Contribution, claim all eligible gifts to charity, and decide how you want to receive your refunds and if using direct deposit make sure account numbers are accurate. For those who decide to file by paper rather than electronically special tips are offered such as make sure to fill in all requested taxpayer identification numbers, remember to sign and date the return, attach all required forms and schedules, and last but not least mail the return to the right address.
Landon wells
ReplyDeleteThis article is about how to file your taxes online and offers many helpful features on how to do it. They give a step by step process of how to file the taxes online and how to also avoid those pesky lines that the tax place has due to the shortage in staff that they currently have this year. It is also helpful because you will have less change of missing the deadline, april 15th, and getting introuble with the feds. It offers advice on how to get the most out of your taxes and offers so much helpful advice on filing them online. This was a good article and a must read for those who dont know how to do it online already.
Elyssa Buntzel 4th p
ReplyDeleteThe article was a warning of potential IRS phone scams this tax season. In years past, many have fallen victim to phone scams claiming to be an IRS official seeking information or clarification. People have lost important tax information as well as other personal security information. This warning provided information on what the IRS will and will not say or ask when contacting you. They stress the importance of not releasing personal information over the phone, and if you feel as though you may have fallen victim to a IRS scam to contact the proper authorities immediately. This article also provides examples of scams in years past and gives the option of giving tips to the authorities if you think you may have fallen victim before.
Mackenzie Boudreau
ReplyDelete2nd period
This article was about different kinds of workers and what forms or tax exemption paperwork those workers had to fill out to file their taxes. The example they used were seasonal workers, or people who work to help a business during some special event such as a sporting events or holidays. These seasonal workers file taxes like everyone else, except they do not have to file a Form 941 for quarters in which they have no tax liability because they have paid no wages.
Mackenzie Boudreau
ReplyDelete2nd period
This article was about different kinds of workers and what forms or tax exemption paperwork those workers had to fill out to file their taxes. The example they used were seasonal workers, or people who work to help a business during some special event such as a sporting events or holidays. These seasonal workers file taxes like everyone else, except they do not have to file a Form 941 for quarters in which they have no tax liability because they have paid no wages.
Humam Daas
ReplyDelete2nd Period
shhhhh I wont notice you're late if you don't notice I am.
The article i'm summarzing is this one.
http://www.irs.gov/taxtopics/tc308.html
It is about fixing mistakes on your tax return. Now, I dont have a word counter on here but I am going to hit those 150-200 word which sound like a lot but really aren't too much, im probably at about 50 or something right now. Anyway the article states that sometimes people, thats us, do make math mistakes and a lot of times they fix it for you! how convenient! They do say that if there are anychanges, you should still file a form because not everything gets to them. They use a lot of words and form names that I am not famaliar with and reading it is a little scary! They talk about the 1040x which is a form you fill out for amending tax returns for years where the due date has not passed. You have to fill it out to claim a refund and you can check yours out at http://www.irs.gov/Filing/Individuals/Amended-Returns-(Form-1040-X)/Wheres-My-Amended-Return-1 the status you have on it determines if you are eligible for stuff. I'm very confused after reading this article I dont know what im saying i'm going to go take a nap.
Module 4: Dependents
ReplyDeleteA dependent is a person other than the taxpayer or spouse who entitles the taxpayer to claim a dependency exemption. Each dependency exemption decreases income subject to tax. A person cannot be claimed as a dependent on more than one income tax return. The age test applies to a qualifying child. The Member of Household or Relationship Test must be met for a Qualifying Relative.
Erin Keir
ReplyDelete6th period
Module 1: Payroll Taxes and Federal Income Tax Withholding
Employers withhold payroll taxes and income tax from employees' pay. Employers send the amounts withheld to the federal government. Employees complete Form W-4. Employers use Form W-4 to determine how much income tax to withhold from an employee's pay.
Assessment Score: 8/10
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ReplyDeleteThe lease equipment financing industry in Canada has a self governing body called the CFLA - Canadian Finance and Leasing Association. Its U.S. equivalent organization recently put out a report on business financing availability and optimism - Let's look at some of the key highlights of the report and try and put some Canadian flavor to them! العملات الرقمية
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