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HomeMy WebLinkAboutFIN-06-015 - 2006 Regional Tax Strategy ) db KITCHENER Financial Services ~ Report To: Date of Meeting: Submitted By: Prepared By: Ward(s) Involved: Date of Report: Report No.: Subject: Councillor B. Vrbanovic, Chair, and Members of the Finance and Corporate Services Committee May 1 , 2006 Pauline Houston, General Manager of Financial Services & City Treasurer Joyce V. Evans, Director of Revenue (Ext. 2895) All April 26, 2006 FIN-06-015 RECOMMENDATION: 2006 Regional Tax Strategy That the Regional Municipality of Waterloo Council reports F-06-015 "2006 Tax Ratios and Tax Ratio Strategy" and F-06-017 "2006 Property Tax Capping" be received for information. BACKGROUND: 2006 TAX RATIOS AND TAX RATIO STRATEGY On March 8th the Regional Municipality of Waterloo Council approved the 2006 Tax Ratios as follows: Tax ratios for 2006 property tax year: Residential New Multi-Residential Multi-residential Commercial Industrial Pipelines Farm Managed Forests 1.0000 1.0000 2.3400 1.9500 2.6100 1.1613 0.2500 0.2500 2006 TAX RATIO STRATEGY ANALYSIS The reassessment for the 2006 taxation year resulted in a shift of taxation between the property classes. The analysis of the impact of reassessment region wide is set out in the following table. Table 1 Effect of 2006 Reassessment on Taxation Property Class Tax Impact Residential .12% Mu Iti- Residential 10.71% Commercial -4.72% Industrial -2.78% The table shows the greatest impact on the multi-residential class, while the commercial and industrial classes reflect negative shifts. The residential class has a minimal shift of .12%. The report presented to Regional Council indicated that the higher increase in the value of the multi-residential class and the corresponding shift in taxation also results in a capping shortfall for the multi-residential class in 2006. To reduce the capping costs and ensure that the funding of the capping would fall within the multi-residential class the policy recommended a reduction in the multi-residential ratio to 2.34 in the short term. The following table is a summary of the tax impact region wide of the policy setting the multi- residential ratio at 2.34. Table 2: Tax imoact of reduction in multi-residential ratio to 2.34 Property Class Tax Impact Residential 1.27% Mu Iti- Residential 0.00% Commercial -3.63% Industrial -1.67% The impact of this policy on regional taxes for an average household valued at $203,000 is $6.85 after the reduction in 2006 education tax rate. Impacts for City taxes, for an average household valued at $203,000 is, approximately $6.75 after the reduction in 2006 education tax rate. LONG TERM TAX RATIO STRATEGY ANALYSIS The report also recommended a long-term tax ratio strategy which recommends that consideration should be given to closing the gap between the commercial, industrial and multi- residential ratios. Currently the commercial ratio is 1.95 and the long-term strategy recommends moving both the multi-residential and industrial ratios to 1.95 by 2010. The following table set out the long term strategy proposal and also the cumulative impact on residential properties. Table 3: MR and Industrial Tax Ratio Reduction to 1.9500 Current Year 1 Year 2 Year 3 Year 4 Year 5 Position 2006 2007 2008 2009 2010 Multi-Res 2.5800 2.3400 2.2400 2.1500 2.0500 1 .9500 Ratio Industrial Ratio 2.6100 2.6100 2.4500 2.2800 2.1000 1.9500 Ratio Impact $12.61 $12.17 $12.29 $13.53 $12.45 2006 Education Tax ($5.76) Change Cumulative Impact $6.85 $19.02 $31.31 $44.84 $57.29 Cumulative Impact % .54% 1.50% 2.46% 3.53% 4.51% 2006 PROPERTY TAX CAPPING The Regional Municipality of Waterloo Council also approved the following 2006 Property Tax Capping Program: 1. Establish the annual limited on tax increases for properties in all three capped classes at 10% of the previous year's capped taxes; 2. Establish thresholds for properties in all three capped classes such that if the taxes on the property calculated under the capping program are within $250 of the current value assessment taxes, the current value will apply; 3. Fund the limits on tax increases for 2006 for the multi-residential, commercial and industrial classes by limited tax decreases for properties in the same class; 4. Introduce the required by-law prior to April 30th, 2006. TAX CAPPING Capping is provincially legislated and limits the amount of tax increases that can be passed on the commercial, industrial and multi-residential classes. In 1998, the Province passed legislation to protect Ontario businesses from large property tax increases resulting from property tax reform. The legislation limited property tax increase for commercial, industrial and multi-residential properties, capped classes, to 10% in 1998 and a further 5% in 1999 and 2000. The 10-5-5 limits applied only to tax increases related to property tax reform and budgetary increases were allowed in addition to the limits. For 2001 and subsequent years the Province continued to limit tax increases under the Continued Protection for Taxpayers Act, 2000 (Bill 140). Annual tax increases under this legislation were limited to 5%. Starting in 2005, the Province allowed municipalities the ability to set the annual percentage of the cap using any or all of the following parameters" · set the annual cap at 5% of the previous year's annualized taxes; or up to 10% of the previous year's annualized taxes; or · set the annual cap at the greater of the about or up to 5% of the previous year's annualized CVA taxes. In addition the Province also allowed municipalities to move capped or clawed back properties directly to their CVA if the taxes are within $250 of the properties' CVA taxes. The threshold can be less that $250.00. The 2005 Property Tax Capping policy adopted by the Regional Municipality of Waterloo included setting the annual tax percentage at 10% for 2005 and also the threshold at $250.00 The Regional Municipality of Waterloo 2006 Property Tax Capping policy continues to use the same parameters within the Provincial legislation and the annual tax increase for capped properties limited to 10% and the threshold at $250.00 have been adopted. FINANCIAL IMPLICATIONS: The tax ratio strategy policy shifts the tax burden away from the multi-residential class to the other classes of properties. There is no impact on the City of Kitchener operating budget resulting from this policy. The capping policy utilizes the full flexibility provided in the Provincial legislation. There are no financial implications to the City resulting from the capping policy since capping costs are funded within the same property class. CONCLUSION: Staff will develop the City of Kitchener 2006 tax rates and applicable Tax Rate By-Laws for approval by Council. As in the past, maps showing shifts in taxation and highlighting any hot spots will be made available to Council in early June prior to tax billing. Joyce V. Evans, CMO, MPA, CGA Director of Revenue Pauline Houston, CA General Manager of Financial Services & City Treasurer I Report: F-06-017 REGION OF WATERLOO FINANCE DEPARTMENT Treasury Services Division TO: Chair T. Galloway and Members of the Administration and Finance Committee DATE: March 8, 2006 FILE CODE: SUBJECT: 2006 PROPERTY TAX CAPPING RECOMMENDA TION: THAT the Regional Municipality of Waterloo approve the following for the 2006 Property Tax Capping Program: 1. Establish the annual limit on tax increases for properties in all three capped classes at 10% of the previous year's capped taxes; 2. Establish thresholds for properties in all three capped classes such that if the taxes on the property calculated under the capping program are within $250 of the current value assessment taxes, the current value assessment taxes will apply; 3. Fund the limits on tax increases for 2006 for the multi-residential, commercial and industrial classes by limiting tax decreases for properties in the same class; 4. Introduce the required by-law prior to April 30, 2006; AND THAT the Area Municipalities be notified accordingly. SUMMARY: Provincial legislation introduced for 2005 gives single tier and upper tier municipalities some options in determining the annual property tax capping program for multi-residential, commercial and industrial properties. Capping options must be approved on an annual basis or the default option will apply. This report recommends the property tax capping program for 2006. REPORT: Backaround In 1998, the Province passed legislation to protect Ontario businesses from large property tax increases resulting from property tax reform. The legislation limited property taxes for commercial, industrial and multi-residential properties (the capped classes) to 10% in 1998 and a further 5% in each of 1999 and 2000. The 1 0-5-5 limits applied to tax increases related to property tax reform and budgetary increases were in addition to the limits. The limits on tax increases for the capped classes were financed by limiting tax decreases for other properties within the same class and there were no impacts on the uncapped property classes, including the residential class. For 2001 and subsequent years, the Province committed to continue the limits on tax increases until tax fairness was fully achieved and the former outdated assessment system was transitioned to the new current value assessment system. The Continued Protection for Taxpayers Act, 2000 (Bill 140) Page 1 of 4 March 8, 2006 Report: F-06-017 established a permanent program to implement the Province's commitment of limiting tax increases for the capped classes. With Bill 140, the ability to pass municipal levy increases on to the capped classes depends on the tax ratios established for the capped classes relative to threshold ratios prescribed by the Province. Municipal levy or budget increases are in addition to the capping provided municipalities are at or below the threshold ratios for the capped classes as is the case in this Region. The recommended tax ratios for the multi-residential, commercial and industrial classes for 2006 (as noted in F-06-016) are below the provincial thresholds. Under Bill 140, municipalities can finance all or part of the capping costs by limiting tax decreases for properties in the same class, through internal revenues, or through the general levy. Current Cappina Proaram Effective 2005, the Province provided a number of capping options, rather than mandatory requirements, to enable municipalities to make decisions which respond to local conditions rather than conditions in other areas of the province. The options include: 1. an increase in the amount of the annual cap from 5% to up to 10% of previous year's capped taxes; 2. the ability to set an upper limit at the greater of a 5% to 10% cap on previous year's capped taxes or 5% of previous year's CVA taxes; 3. the ability to move capped and/or clawback properties directly to their current value assessment (CVA) taxes if they are within $250 of the CVA taxes; 4. the ability to combine option 3) with either of options 1) or 2); 5. the ability to use different options or combinations of options for each of the three capped classes; An additional option to "phase-out" the preferential treatment given to new construction was adopted by Regional Council in 2005 and continues through 2008 at which time all new construction will be taxed at its current value assessment taxes. The new options noted above relate to how the capped taxes are determined or established. Municipalities continue to have the same options in determining how to fund capping costs. Municipalities can finance all or part of the capping costs by limiting tax decreases for properties in the same class, through internal revenues, or through the general levy. Committee and Council approval are required to enable the Region to pass a by-law by April 30, 2006 to enact any of the options noted above. If no by-law is passed, the Region will be subject to the "default" option or same capping program that applied prior to 2005 where tax increases were limited to 5% of previous years capped taxes plus municipal budget increases. Recommended Cappina Proaram for 2006 Although there are numerous capping options, staff have presented three main options in Appendix 1. All three options are based on the 2006 tax ratios recommended in report F-06-016 and the data currently available in the tax capping model provided by the Province. Although the legislation allows municipalities to set an upper limit for increases at the greater of 5% to 10% of previous year's capped taxes or up to 5% of previous year's current value assessment taxes, the use of this option does not change the capping results or provide any additional benefit. Calculating taxes based on a percentage of previous year's capped taxes is most easily understood by the taxpayer and is easier to administer as this is the calculation used in previous years. Consequently, capping is based on prior year's capped taxes in all three options presented in Appendix 1. The use of thresholds has proven extremely effective reducing the number of properties affected by capping 263548 Page 2 of 4 March 8, 2006 Report: F-06-017 with minimal increases to the capping costs so maximum threshold limits of $250 for both clawback and capped properties have been included in all three options. The use of these thresholds results in properties moving to full CVA taxes if the taxes calculated under capping are within $250 of the CV A taxes. Option A shows the default option with tax increases (excluding budget impacts) limited to 5% of prior year's taxes for all the capped classes. Option B is based on tax limits of 7.5% while Option C utilizes the maximum limit of 10%. The quickest route to full CVA taxes and the best method to avoid capping shortfalls requires the use of the highest allowable percentage for capped tax increases. Appendix 1 shows that the higher the percentage by which taxes can increase, the lower the capping costs, the lower the clawback percentage and the lower the number of capped properties. The use of the 10% limit for capping (Option C) can reduce capping costs by $2.2 million, reduce the number of capped properties and increase the number of properties paying CV A taxes by 1,053 as compared to the 5% option (Option A). As noted above, the use of thresholds increases the number of properties at CVA taxes and reduces the number of properties affected by the capping program. Having properties at or close to their CVA taxes can reduce the tax capping impacts resulting from the next reassessment. Option C with 10% capping limits and thresholds for both capped and clawback properties is the same capping program used in 2005. Appendix 2 shows the approved capping program for 2005 as compared to the recommended capping program for 2006. The capping program for 2005 is identical to the recommended 2006 program with very comparable results. Staff Recommendation It is staff's recommendation that a capping program where tax increases are limited to 10% of previous year's capped taxes with thresholds of $250 applicable to both capped and clawback properties (Option C from Appendix 1) is the best way to proceed for 2006. This option is recommended for the following reasons: . there would be no capping shortfalls; . capping costs are funded by limiting decreases within the same property class; . capping costs are minimized; . clawback percentages enable properties experiencing a decrease to retain a greater portion of the reduction; . the fewest number of properties are affected; alternatively, the greatest number of properties are paying full CV A taxes; . all three capped classes are treated same; simpler for area municipal staff to administer and easier for taxpayers who own property in more than one of the capped classes; . same program as previous year; simplifies capping program for taxpayers; . best positions the Region to deal with capping impacts from the reassessment for 2007. Area Municipal Input The Area Treasurers support a capping program that is simple for the taxpayer to understand, results in CV A taxes for the greatest number of properties without overly disadvantaging taxpayers (i.e. affects the fewest number of taxpayers) and does not result in capping shortfalls. Next Steps The Region must pass a by-law by April 30, 2006 to include any of the capping options for 2006. If the recommended capping options are not approved by the end of April, the status quo or default 263548 Page 3 of 4 March 8, 2006 Report: F-06-017 capping option would apply and tax increases for capped properties would be limited to 5% of previous year's capped taxes. This would result in capping costs being $2.2 million higher; a significantly higher clawback for the multi-residential class (92% vs 52%) and a greater number of properties affected by capping (54% vs 40%). CORPORATE STRATEGIC PLAN: One of the Region's Strategic Focus Areas is that of Ensuring Operational Effectiveness and Efficiency and one of the objectives within that Focus Area is to Maintain Financial Stability. Property tax policy and tax capping relate to that objective. FINANCIAL IMPLICATIONS: Provided that the Region continues to fund its capping costs by limiting decreases for other properties in the same class, there is no impact on the residential taxpayer and no impact on the total amount of property taxes collected. OTHER DEPARTMENT CONSUL TA TIONS/CONCURRENCE: Nil ATTACHMENTS: Appendix 1 - 2006 Preliminary Capping Analysis Appendix 2 - Comparison of 2005 Capping Program and the 2006 Recommended Program PREPARED BY: A. Hinchberger, Director of Financial Services, Treasury and Tax Policy APPROVED BY: L. Ryan, Chief Financial Officer 263548 Page 4 of 4 I Report: F-06-016 REGION OF WATERLOO FINANCE DEPARTMENT Treasury Services Division TO: Chair T. Galloway and Members of the Administration and Finance Committee DATE: March 8, 2006 FILE CODE: SUBJECT: 2006 TAX RATIOS AND TAX RATIO STRATEGY RECOMMENDATION: THAT the Regional Municipality of Waterloo establish the following tax ratios for the 2006 property tax year: Residential New Multi-residential Multi-residential Commercial Industrial Pipelines Farm Managed Forests 1.0000 1.0000 2.3400 1.9500 2.6100 1.1613 0.2500 0.2500 THAT the Regional Municipality of Waterloo approve a long term tax ratio strategy to reduce the multi-residential and industrial tax ratios to 1.9500, equal to the current commercial tax ratio, over the years 2007 to 2010 subject to the annual tax ratio and tax capping review; THAT the necessary tax ratio by-law for 2006 be introduced at the March 22nd Regional Council meeting; AND THAT the Area Municipalities be notified accordingly. SUMMARY: Administration and Finance Committee report F-06-012, dated February 22,2006 and attached as Appendix 1, identified the need to reduce the multi-residential tax ratio in 2006 to offset reassessment impacts and to ensure there is no capping shortfall for the multi-residential class. The report also noted the need for a longer term tax ratio strategy. This report addresses the recommended tax ratios for 2006, including a reduced multi-residential ratio, and a longer term tax ratio strategy for the multi-residential, commercial and industrial property classes. REPORT: Backaround The reassessment for the 2006 taxation year resulted in a shift of taxation between the property classes with the multi-residential (MR) class having the greatest impact. The higher increase in the value of the MR class results in a shift of taxation of 10.71 % on to that class. This is a significant impact compared to the shifts off the commercial and industrial classes (-4.72% and -2.78% Page 1 of 5 March 8, 2006 Report: F-06-016 respectively) and the minimal shift of 0.12% onto the residential class. The higher increase in the value of the MR class and the corresponding shift in taxation also results in a capping shortfall for that property class for 2006. A reduction in the MR tax ratio is required to reduce the capping costs and ensure that the capping costs can be funded from within the class. Funding capping shortfalls within the class is a key element of the annual capping program as capping shortfalls, including the education portion, must be funded by the Region and the Area Municipalities. In addition to ensuring there is no capping shortfall, there are other benefits to a reduced MR tax ratio. The Region's MR tax ratio has been among the highest in the province since the inception of tax ratios and at 2.5800, it is higher that the provincial average of 2.1689 and the provincial median of 2.1539. The Region's ratio is also higher than the MR ratio for most of its regional and single tier comparators. A lower tax ratio would move towards tax equity for the residential and MR classes as identified by local Municipal Property Assessment Corporation (MPAC) staff. MPAC staff noted that when MR property is converted to residential property, the value generally doubles which implies that a tax ratio of 2.0000 for the MR class would be a reasonable level for tax equity. A lower MR tax ratio would reduce the tax ratio gap between MR properties and properties in the class for new MR development which has a tax ratio of 1.0000. A final benefit from a lower MR tax ratio could be in tax savings for MR properties owned by the Region and savings in subsidy payments to non-profit and cooperative housing providers, depending on individual reassessment and capping impacts for the various properties. In addition to the required reduction in the MR ratio for 2006, a need for a longer term tax ratio strategy has been identified. Although there are numerous options for a longer term tax ratio strategy, a strategy based on tax equity has merit. Tax equity for the multi-residential and residential classes appears to be achieved with a MR tax ratio of 2.0000 while tax equity for the commercial and industrial classes would be achieved with a common ratio. This ratio would have to be 1.9500 due to legislative constraints. Consequently, a long term strategy which results in a tax ratio of 1.9500 for the MR, commercial and industrial classes is recommended. Recommended 2006 Multi-residential Tax Ratio Preliminary analysis provided in report F-06-012 noted that a MR tax ratio of 2.3040 would be required to completely offset the reassessment impacts. At that time, staff were not able to analyze capping impacts for various ratios however, it was anticipated that the MR ratio would not have to be reduced to that extent. Since that time, the modeling tool provided by the Province has been updated for 2006 and staff have been able to calculate capping impacts for various tax ratio scenarios. Based on the capping data currently available, a multi-residential tax ratio of 2.3900 or less would be required for 2006 to ensure there was no capping shortfall for that class. A tax ratio of 2.3900 would result in a clawback of 92% which does not result in any flexibility. As the capping data is refined over the next few months, there is the possibility that capping costs could increase to a level where a ratio of 2.3900 would not be sufficient to ensure there was no shortfall. Consequently, staff are recommending a lower MR tax ratio of 2.3400 for 2006 for the following reasons: . capping flexibility . closer alignment with the provincial average and the MR ratios for regional and single tier comparators . MR / Residential tax equity . good positioning for the recommended long term tax ratio strategy . minimal impact on the residential taxpayer of 0.54% after allowing for the education tax reduction 263547 Page 2 of 5 March 8, 2006 Report: F-06-016 Table 1 summaries the capping impacts (shortfall and clawback percentages) and the impact on the Regional portion of the tax bill for an average residential household for the current MR tax ratio of 2.5800; the maximum ratio of 2.3900 required to prevent a capping shortfall; the recommended ratio of 2.3400; and the ratio which fully offsets the MR reassessment of 2.3040. The impact resulting from the recommended ratio of 2.3400 is $12.61 or 1.0% before allowing for the reduction in the 2006 residential education tax rate. Including this reduction, the impact is $6.85 or 0.54%. Table 1: 2006 Multi-residential Tax Ratio Reductions M R Ratio Net Impact * % * for an average residential property valued at $203,000 As noted in previous reports, reductions in tax ratios do not change the tax ratios for any of the other property classes, but such reductions will increase the taxes to be collected from the other classes. Appendix 2 shows the impact of the above noted M R tax ratio changes on the M R, commercial and industrial classes. Reductions in the MR tax ratio to 2.3900, 2.3400 and 2.3040 would result in decreases of 6.64%; 8.40% and 9.67% respectively for MR properties and increases of 0.78%; 1.00% and 1.14% respectively for the commercial and industrial classes. These impacts exclude the reassessment tax shifts for the commercial and industrial classes of -4.72% and -2.78% respectively. These classes would, in total, continue to see a reduction in taxes under any of the ratio reductions noted above. Recommended Lona Term Tax Ratio Strateav A reduction in the MR tax ratio is just one component of a longer term tax ratio strategy. Other strategies for the commercial and industrial tax ratios should also be considered. The Region's commercial and industrial tax ratios are closer to the provincial averages and medians. The difference in the tax ratios for these classes (1.9500 for the commercial class and 2.6100 for the industrial class) is generally historical due to higher business occupancy taxes for industry under the previous assessment and taxation system. There are strong arguments for closing the gap between the tax ratios and providing equity for these classes. Commercial and industrial operations are both businesses and with the elimination of the business occupancy tax, there is no real rationale to tax these classes differently. Closing the gap between these two ratios would result in greater equity within the business community and having the same ratio for both classes would address the issue of how research and development and "high tech" properties are classified and assessed and provide efficiencies for MPAC in dealing with classification issues. In order to achieve equity, the industrial ratio would need to be reduced as legislation prohibits the Region from increasing the commercial ratio. A reduction in the industrial tax ratio with a resultant reduction in taxes could provide some incentives for industries which have been impacted by rising energy costs and higher exchange rates. Given the historical nature of the difference in ratios, a strong case can be made for closing the gap entirely and equalizing the commercial and industrial ratios at 1.9500. As noted above and in report F-06-012, a MR tax ratio of2.0000 approximates tax equity for the MR and residential classes. A ratio of 2.0000 is quite close to the ratio of 1.9500 for the commercial class. Both multi-residential and commercial properties are businesses and both 263547 Page 3 of 5 March 8, 2006 Report: F-06-016 classes are assessed based on income so a tax ratio of 1.9500 for the MR class would also be quite appropriate over the longer term. Consequently, staff are recommending a longer term tax ratio strategy which would result in a ratio of 1.9500 for the commercial, industrial and multi-residential classes over a period of four years from 2007 through 2010. This strategy is recommended for the following reasons: . reduces the MR tax ratio to a level which approximates tax equity with the residential class . provides equity between the business classes . provides relief to the industrial sector which has been hard hit by the exchange rates and energy costs . may encourage industrial development . simplifies the assessment classification process . should assist with future capping programs . provides simplicity for non-residential property owners . minimal impact to the residential taxpayer of approximately 1.0% per year Table 2 illustrates the annual impact of the strategy on the average Regional household for the Regional portion of the tax bill and the cumulative impact over five years including the recommended MR ratio change for 2006. The impact resulting from the recommended strategy is in the range of $12 to $13 per year or approximately 1.0%. Including the education tax rate reduction, the cumulative impact is 4.51 % over the period 2006 to 2010. Table 2: MR and Industrial Tax Ratio Reduction to 1.9500 * * based on the 2006 assessment base and 2006 Regional levy While Table 2 shows the impact on an average residential property, Appendix 3 shows the impact of the longer term tax ratio strategy on the multi-residential, commercial and industrial classes. Based on the strategy noted above, MR and industrial taxes would be reduced by 20.67% and 21.58% respectively while commercial taxes would increase by 4.95%. Tax ratios and tax capping programs must be established on an annual basis so this provides an opportunity for Committee and Council to review the long term tax ratio strategy relative to reassessment impacts for that year. CORPORATE STRATEGIC PLAN: One of the focus areas of the Corporate Strategic Plan is to Ensure Operational Effectiveness and Efficiency by maintaining financial stability. Property tax policy assists with this focus area. 263547 Page 4 of 5 March 8, 2006 Report: F-06-016 FINANCIAL IMPLICATIONS: The recommended reduction in the 2006 MR tax ratio to 2.3400 would result in an increase of 1.0% for the Regional portion of the tax bill or $12.61 for an average household valued at $203,000. After allowing for the draft 2006 education tax rate reduction, the impact would be a 0.54% increase in the Regional portion of the tax bill or $6.85 for an average household. Impacts for the local municipal portion of the tax bill would be additional to the $6.85. The impacts for the recommended longer term tax ratio strategy would be in the range of $12 to $13 per year or approximately 1.0% for residential property. Including the 2006 education tax rate reduction, the cumulative impact would be 4.51 % over the period 2006 to 2010. OTHER DEPARTMENT CONSUL TA TIONS/CONCURRENCE: Nil ATTACHMENTS: Appendix 1 - Report F-06-012 Appendix 2 - Impact of Multi-residential Tax Ratio Reduction - Other Classes Appendix 3 - Impact of the Long Term Tax Ratio Strategy - Other Classes PREPARED BY: A. Hinchberger, Director of Financial Services, Treasury and Tax Policy APPROVED BY: L. 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