Blyth's Better Books

08/30/2026

Handsome boy

Today’s kitty spotlight- Kitten Caboodle

We will take the whole Kit-ten Caboodle!! All of this right here! All the toe beans, all of the whiskies, every single hair, and all 4 paws!! This sweet boy is an all-around great kitten! Loves other cats, and is a playful, sweet boy! He is right around 12 weeks, and ready for his forever home!!

Adoption fee-$200
This includes neuter, rabies, fvrcp for the year, deworm, flea, and microchip.

If you, or anyone you know, is ready to adopt Kitten Caboodle, contact Wandering Whiskers Cat Rescue, or Bent Tin Baked Goods, to apply!

Please share our post so we can find this sweet boy his forever home💙

08/27/2026

A little bit about me. I was born in London, Ontario and met my wife in 2016. We moved to Tilbury because it was much cheaper. Our daughter was born in 2024 and we absolutely love our lives here.
I'm a die hard Manchester United, Detroit Red Wing and Denver Broncos fan. I've been an animal lover all my life and we currently have 4 cats. I would love to in the future become some sort of a specialist in bookkeeping for Vet Clinics or any animal care related business.
Starting up a bookkeeping business was a no brainer for me. I'm a numbers guy, it has low startup costs, the potential for earnings are great but most importantly, FREEDOM!!
Being able to work from home, be my own boss and manage the amount of workload so I can spend more time with my family. As my little girl will be the only child I will have I don't want to miss a single thing.
This is just the early stages of my career in bookkeeping, but I'm loving everything about it so far! I'm always looking for new clients to help out. Can't wait for what the future has in store!

08/26/2026

If you're looking to outsource your bookkeeping, you can contact me anytime at [email protected]!

I offer bookkeeping and payroll services using Quickbooks Online to small businesses in Ontario. Check out my website at www.blythsbooks.ca, and if you're interested in working together, click on the "Book a Free Consult" and schedule a time we can chat.

I genuinely enjoy keeping financials organized and tax ready, that's why I started my bookkeeping business. I know you didn't start your business to do bookkeeping, so let me take that responsibility off your plate.

08/24/2026

I'm very happy to reveal my new website, www.blythsbooks.ca!
Check it out and share if you know anyone who needs help with their bookkeeping!

Big shout out to webfluence.ca for creating my website, highly recommend!

Bookkeeping, payroll, and financial reporting for small businesses across Tilbury, Windsor Essex & Chatham Kent. QuickBooks Online ProAdvisor.

08/18/2026

What is a Taxable Benefit?
It's an item of value your employer provides that isn't a regular cash wage. It's an extra compensation that is outside of your regular wages. CRA does treat Taxable Benefits as part of employment income, therefor will be part of the calculation for CPP and E.I. deductions.

Some examples are a company vehicle provided to use, gifts and awards, meals provided by employer, parking, membership dues, travel expenses just to name a few.

Not all are withheld for CPP and E.I. Some are just CPP, some are both. It depends if the benefit is cash or non-cash.

08/14/2026

The next step is determining what the Net Taxable Income amount will be. The Net Taxable Income will determine what Federal and Provincial taxes will be deducted from that pay.

To get the total Net Taxable Income, you take the Gross Pay, add any taxable benefit values then subtract any other deductions like Union Dues, RRSP contributions, an employee registered pension plan contributions and the enhanced CPP contribution deduction.
This will give you the correct amount for the Net Taxable Income to correctly deduct the Income Taxes of that pay for the period.

Once all the CPP, E.I. and Income Tax deduction amounts are determined, you take the Gross Pay, minus all the Statutory Deductions and any taxable benefit values to get the Net Pay.

08/13/2026

Pensionable Earnings are the earnings to calculate the amount for CPP or QPP for that pay period. It takes the total from Gross Earnings and adds all the taxable benefits, whether it's non-cash, near-cash or deemed cash.

This is step 2 or determining the amounts to deduct to work out the net pay total. You do not calculate the E.I. amount or Income Tax amount with Pensionable Earnings, only CPP or QPP.

Insurable Earnings, which is step 3, calculates the E.I. or Q.P.I.P. for that pay period. Insurable Earnings include Gross Pay and any deemed cash taxable benefits.

08/12/2026

You may have heard of a few terms in payroll like Gross Taxable Earnings, Pensionable Earnings, Insurable Earnings, Net Taxable Income and Net Pay.

All of these terms are on every single pay stub, at least they should be. Let me start with Gross Taxable Earnings.

Gross Taxable Earnings, is also known as Gross Pay. This includes the full wages of the employee for that pay period BEFORE any deductions. If so and so is working 40 hours a week at $25 an hour, the Gross Pay would be $1000 for that period.
Gross Pay can also include Taxable Reimbursements such as using a company vehicle. Commissions, bonuses, vacation, stat holidays and overtime premiums can also be included.

The total of such payments is considered Gross Taxable Earnings which then begins to determine the values of Statutory deductions to be deducted. This is step 1 for determining the total amount of deductions to get to Net Pay.

08/11/2026

You're probably wondering, how are all the deductions calculated?
There are tables called Payroll Deduction Tables that are used for E.I., CPP and Income Taxes.

Nowadays, these tables are integrated in payroll/accounting software so it does everything behind the scenes. But it is still very interesting to know how exactly these deductions are calculated. These tables are available on the CRA website and they update every January 1 and July 1 of each year.

E.I. and CPP have mathematical calculations you can do without having to refer to a payroll table. Income Taxes does not have a special calculation, the payroll tables need to be used.

For E.I., you take the Gross Taxable Earnings and multiply by 1.64%.

CPP, you take the Pensionable Earnings minus the Yearly Basic Exemption then multiply by 5.95% to get your CPP deduction.

The payroll tables need to be used for Income Taxes, both Federally and Provincially. There are separate Federal and Provincial payroll tables, so it's important to use the right Province's payroll table.
On the left side you will see the pay range. The top will have claim codes and under each claim code is the deduction to make for that pay and claim code. The Income Taxes are deducted off an employee's Net Taxable Income. You have to find the amount and in the pay section on the left and match it to the proper claim code to get the deduction amount.

08/10/2026

The last Statutory Deduction for payroll is Income Tax. It is both Federal and Provincial taxes that get deducted from each pay. Every employee must have income taxes deducted, and unlike E.I. and CPP, the employer does NOT have to match the amount deducted from the employee's pay.

Every Province, excluding Quebec, the Provincial portion of the income tax is submitted to CRA. Quebec submits their Provincial taxes to Revenu Quebec. Every Province submits their Federal income tax to CRA.