Learn everything about the taxes you pay


Types of taxes

The Organisation for Economicrevenue, as those states do not levy a
Co-operation and Development (OECD)state income tax. Such states tend to
publishes perhaps the most comprehensivehave a moderate to large amount of
analysis of worldwide tax systems. Intourism or inter-state travel that
order to do this it has created aoccurs within their borders, allowing
comprehensive categorisation of allthe state to benefit from taxes from
taxes in all regimes which it covers:people the state would otherwise not
Income Taxtax. In this way, the state is able to
Income tax is a tax on earnings –reduce the tax burden on its citizens.
money that individuals, corporations,The US states that do not levy a state
trusts or other legal entities receiveincome tax are Alaska, Florida, Nevada,
in different ways and from differentSouth Dakota, Texas, Washington state,
sources.and Wyoming. Additionally, New Hampshire
The 'tax net' refers to what types ofand Tennessee only levy state income
money payments are charged the tax.taxes on dividends and interest income.
Generally, tax will be charged onOf the above states, only Alaska and New
personal earnings (wages), capitalHampshire do not levy a state sales tax.
gains, and business income. The ratesAdditional information can be obtained
for different types of income may varyat the Federation of Tax Administrators
and some may not be taxed at all.website.
Capital gains may be taxed when realisedIn the United States, there is a growing
(e.g. when shares are sold) or whenmovement for the replacement of all
incurred (e.g. when shares appreciate infederal payroll and income taxes (both
value). Business income may only becorporate and personal) with a national
taxed if it is ‘significant’ orretail sales tax and monthly tax rebate
based on the manner in which it is paid.to households of citizens and legal
Some types of income, such as interestresident aliens. The tax proposal is
on bank savings, may be considered asnamed FairTax. In Canada the federal
personal earnings (similar to wages) orsales tax is called the Goods and
as a realised property gain (similar toServices tax (GST) and now stands at 6%.
selling shares). In some tax systemsAll provinces except Alberta also have a
‘personal earnings’ may be strictlyprovincial sales tax.Most businesses can
defined to require that labour, skill,claim back the taxes they pay and so
or investment was required (e.g. wages);effectively it is the final consumer who
in others they may be defined broadly topays the tax.
include windfalls (e.g. gambling wins).Tariffs
Tax rates may be progressive or flat. AAn import or export tariff (also called
progressive tax taxes differentiallycustoms duty or impost) is a charge for
based on how much has been earned. Forthe movement of goods through a
example, the first $10,000 in earningspolitical border. Tariffs discourage
may be taxed at 5%, the next $10,000 attrade, and they may be used by
10%, and any more income at 20%.governments to protect domestic
Alternatively, a flat tax taxes allindustries. A proportion of tariff
earnings at the same rate. A tax systemrevenues is often hypothecated to pay
may use both progressive and flat taxesgovernment to maintain a navy or border
for different types of income.police. The classic ways of cheating a
Often income tax systems will havetariff are smuggling or declaring a
deductions available. Deductions lessenfalse value of goods.
the total tax liability by reducingToll Tax
total taxable income. Income tax systemsA Toll Tax is a tax has been often used
may allow losses from one type of incomehistorically on roads and bridges to pay
to be counted against another. Forfor state bridge and road projects.
example, a loss on the stock market mayUse taxes
be deducted against taxable wages. OtherGas taxes are a form of Use Tax that is
tax systems may isolate the loss, suchcollected for a particular need and to
that business losses can only bemaintain roads.
deducted against business tax, byValue added tax
carrying forward the loss to later taxA value added tax (VAT), also known as
years.'Goods and Services Tax' (G.S.T), or
Income tax is often collected on a'Impuesto Indirecto sobre la Prestacion
pay-as-you-earn basis, with smallde Servicios' (I.S.I.), Sales Tax,
corrections made soon after the end ofBusiness Tax, or Turnover Tax in some
the tax year. These corrections take onecountries, applies the equivalent of a
of two forms: payments to thesales tax to every operation that
government, for taxpayers who have notcreates value. To give an example, sheet
paid enough during the tax year; and taxsteel is imported by a machine
refunds from the government for thosemanufacturer. That manufacturer will pay
who have overpaid.the VAT on the purchase price, remitting
Retirement taxthat amount to the government. The
Some countries with social securitymanufacturer will then transform the
systems, which provide income to retiredsteel into a machine, selling the
workers, fund those systems withmachine for a higher price to a
specific dedicated taxes. These oftenwholesale distributor. The manufacturer
differ from comprehensive income taxeswill collect the VAT on the higher
in that they are levied only on specificprice, but will remit to the government
sources of income, generally wages andonly the excess related to the "value
salary (in which case they are calledadded" (the price over the cost of the
payroll taxes). A further difference issheet steel). The wholesale distributor
that the total amount of the taxes paidwill then continue the process, charging
by or on behalf of a worker is typicallythe retail distributor the VAT on the
considered in the calculation of theentire price to the retailer, but
retirement benefits to which that workerremitting only the amount related to the
is entitled. Examples of retirementdistribution markup to the government.
taxes include the FICA tax, a payrollThe last VAT amount is paid by the
tax that is collected from employers andeventual retail customer who cannot
employees in the United States to fundrecover any of the previously paid VAT.
the country's Social Security system;Economic theorists have argued that this
and the National Insurance Contributionsminimises the market distortion
(NICs) collected from employers andresulting from the tax, compared to a
employees in the United Kingdom to fundsales tax. However, VAT is held by some
the country's national insurance system.to discourage production.
These taxes are sometimes regressive inVAT was historically used when a sales
their immediate effect. For example, intax or excise tax was uncollectible. For
the United States, each worker, whateverexample, a 30% sales tax is so often
his or her income, pays at the same ratecheated that most of the retail economy
up to a specified cap, but income overwill go off the books. By collecting the
the cap is not taxed. A furthertax at each production level, and
regressive feature is that such taxesrequiring the previous production level
often exclude investment earnings andto collect the next level tax in order
other forms of income that are moreto recover the VAT previously paid by
likely to be received by the wealthy.that production level, the theory is
The regressive effect is somewhatthat the entire economy helps in the
offset, however, by the eventual benefitenforcement. In reality, forged invoices
payments, which typically replace aand the like demonstrate that tax
higher percentage of a lower-paidevaders will always attempt to cheat the
worker's pre-retirement income.system.
Capital gains taxInput versus Output Tax
A capital gains tax is the tax levied onWhen a company that is registered for
the profit realised upon the sale of aVAT, buys goods or services from another
capital asset. In many cases, the amountsupplier, VAT is charged based on the
of a capital gain is treated as incomepurchase cost. This is known as input
and subject to the marginal rate oftax.
income tax. In some jurisdictions, suchSimilarly, when the company sells its
as the United States, a favorableown goods or services it charges its
capital gains rate is given based on thecustomers VAT at the same rate. This is
length of holding. Europeanoutput tax.
jurisdictions have a similar rateAt regular intervals, the company may
reduction to nil on certain propertyhave to complete a VAT return, giving
transactions that qualify for thedetails of its input tax and output tax.
participation exemption.In Canada, 50%The difference between output tax and
of the gain is taxable income.input tax is payable to the Local Tax
If such a tax is levied on inheritedAuthority. If input tax is greater than
property then it can act as a de factooutput tax the company can claim back
probate or inheritance tax.money from Local Tax Authority.
Corporation taxProperty taxes
Corporation tax is a tax on corporateA property tax is usually levied on the
earnings (and often includes capitalvalue of property owned, usually real
gains) of a company. Earnings areestate. Property taxes may be charged on
generally considered gross revenue lessa recurrent basis, or upon a certain
expenses. However, corporate expensesevent.
that relate to capital expenditures areA common type of property tax is an
rarely deducted in full (such as theannual charge on the ownership of real
entire cost of a company truck) and areestate, where the tax base is the
often deducted over the useful life ofsupposed value of the property. For a
the asset purchase. Generally,period of over 150 years from 1695 a
industrialized countries also use awindow tax was levied in England, with
regressive rate of tax upon corporatethe result that you can still see listed
income.buildings with windows bricked up in
Poll taxorder to save their owner's money. A
A poll tax, also called a per capitasimilar tax existed in France, with
tax, or capitation tax, is a tax thatsimilar results.
levies a set amount per individual. OneThe two most common type of event driven
of the earliest taxes mentioned in theproperty taxes are stamp duty, charged
Bible of a half-shekel per annum fromupon change of ownership, and
each adult Jew (Ex. 30:11-16) was a forminheritance tax, which is imposed in
of poll tax. Poll taxes aremany countries on the estates of the
administratively cheap because they aredeceased.
easy to compute and collect andIn contrast with a tax on buildings, a
difficult to cheat. However, they areland value tax is levied only on the
very unpopular because they are stronglyunimproved value of the land ("land" in
regressive (poorer people pay a higherthis instance meaning the economic term,
proportion of their income than richeri.e., all natural resources). Land tax
people). The introduction of a poll taxhas long been recognised as the only tax
in medieval England was the primarywhich does not distort market relations.
cause of the 1381 Peasants' Revolt, andSome political economists claim that
in England and Wales in 1990 the changebecause land is not the product of
from a progressive local taxation basedlabour it should be the only tax. See
on property values to a single-rate formGeorgism.
of taxation regardless of ability to payWhen real estate is held by a higher
(the Community Charge, but moregovernment unit or some other entity not
popularly referred to as the Poll Tax)subject to taxation by the local
was instrumental in the demise of thegovernment, the taxing authority may
then Prime Minister Margaret Thatcher.receive a payment in lieu of taxes to
Excisescompensate it for some or all of the
Unlike an ad valorem tax, an excise isforegone tax revenue.
not a function of the value of theTransfer taxes
product being taxed. Excise taxes areHistorically, in many countries, a
based on the quantity, not the value, ofcontract needed to have a stamp affixed
product purchased. For example, in theto make it valid. The charge for the
United States, the Federal governmentstamp was either a fixed amount or a
imposes an excise tax of 18.4 cents perpercentage of the value of the
US gallon (4.86 c/L) of gasoline, whiletransaction. In most countries the stamp
state governments levy an additional 8has been abolished but stamp duty
to 28 cents per US gallon.remains. Stamp duty is levied in the UK
Purposes and effects of exciseson the purchase of shares and
Excises on particular commodities aresecurities, the issue of bearer
frequently Hypothecated. For example, ainstruments, and certain partnership
fuel excise is often used to pay fortransactions. Its modern derivatives,
public transportation, especially roadsstamp duty reserve tax and stamp duty
and bridges and for the protection ofland tax, are respectively charged on
the environment. A special form oftransactions involving securities and
hypothecation arises where an excise island. Stamp duty has the effect of
used to compensate a party to adiscouraging speculative purchases of
transaction for alleged uncontrollableassets by decreasing liquidity. In the
abuse: for example, a blank media tax isUS transfer tax is often charged by the
a tax on recordable media such as CD-Rs,state or local government and (in the
whose proceeds are typically allocatedcase of real property transfers) can be
to copyright holders. Critics chargetied to the recording of the deed or
that such taxes tax blindly those whoother transfer documents. Taxes on
make legitimate and illegitimate usagescurrency transactions are known as Tobin
of the products; for instance, a persontaxes.
or corporation using CD-R's for dataInheritance tax
archival should not have to subsidizeSome believe that inheritance taxes do
the producers of popular music.not have any harmful effect on the
Excises (or exemptions from them) areeconomy and may even be beneficial as
also used to modify consumptionthey encourage consumer spending by the
patterns. For example, a high alcoholelderly. However, some also believe them
excise is used to discourage alcoholto discourage productivity and to
consumption, relative to other goods.disrupt the continuity of family-owned
This may be combined with hypothecationbusinesses.
if the proceeds are then used to pay forWealth (net worth) tax
the costs of treating illness caused bySome countries' governments will require
alcohol abuse. Similar taxes may existdeclaration of the tax payers' balance
on tobacco, pornography, etc..., andsheet (assets and liabilities), and from
they may be collectively referred to asthat exact a tax on net worth (assets
sin taxes. A carbon tax is a tax on theminus liabilities), as a percentage of
consumption of carbon-basedthe net worth, or a percentage of the
non-renewable fuels, such as petrol,net worth exceeding a certain level. The
diesel-fuel, jet fuels and natural gas.tax is in place for both "natural" and
The object is to reduce the release ofin some cases legal "persons".
carbon into the atmosphere. In the UK,Personal property tax
vehicle excise duty is an annual tax onIn many jurisdictions (including many
vehicle ownership.American states), there is a general tax
Sales taxlevied periodically on residents who own
Sales taxes are a form of excise leviedpersonal property within the
when a commodity is sold to its finaljurisdiction. Vehicle and boat
consumer. Retail organizations contendregistration fees are subsets of this
that such taxes discourage retail sales.kind of tax.
The question of whether they areUsually, the tax is designed with
generally progressive or regressive is ablanket coverage but with large
subject of much current debate. Peopleexceptions for obvious things like food
with higher incomes spend a lowerand clothing. Household goods are exempt
proportion of them, so a flat-rate salesas long as they are kept or used within
tax will tend to be regressive. It isthe household. However, any otherwise
therefore common to exempt food,non-exempt object can lose its exemption
utilities and other necessities fromif regularly kept outside the household.
sales taxes, since poor people spend aThus, tax collectors often monitor
higher proportion of their incomes onnewspaper articles for stories about
these commodities, so such exemptionswealthy people who have lent art to
would make the tax more progressive.museums for public display, because the
This is the classic "You pay for whatartworks have then become subject to
you spend" tax, as only those who spendpersonal property tax. And if an artwork
money on non-exempt (i.e. luxury) itemshad to be sent to another state for some
pay the tax.touch-ups, it may have become subject to
A small number of US states relypersonal property tax in that state as
entirely on sales taxes for statewell.



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