多倫多生活討論區 101

Sheppard Yonge 最多超市 上去同落downtown 都方便，又有restaurant。樓價反映一切，應該呢4個地區最貴係Sheppard yonge
Finch 得交通同restaurant
Don mills 買嘢係最方便我覺得，但超市得t and t
Bayveiw well 諗唔到點解住唔度，叫做有subway lo

我覺得don mills 有CF fairview 大商場好方便
超市都有間T&T
T&T d 野係貴少少
但睇住flyer 買都ok
其他超市我覺得係得no frills 真係較平
其實有車weekend 可以去Costco 執貨

越近younge 就越雜越亂越多車

報左稅未？
報左就睇下份noa有寫你有幾多room
再計返matching 條數

無room都可以照供，交罰款咁解
2000樓下唔使交，free money 唔要咁蝕

If you have company pension(???) find out if you can still make any contribution from HR.

still early

但我未有額都照供比罰款?

https://www.questrade.com/learning/goal-tracking/retiring-comfortably/if-you-have-a-pension-plan-do-you-need-an-rrsp#:~:text=If%20you%20have%20a%20company,a%20work-based%20pension%20plan.

Check your contribution room—you may have more than you think
If you have a company pension plan, an amount called the Pension Adjustment (PA) is deducted from your RRSP contribution limit. The PA is the estimated value of the pension benefits an individual has earned during the year and is deducted for anyone who is on a work-based pension plan. The PA was established by the Canada Revenue Agency to level the playing field for pensioned and non-pensioned Canadians alike, so the higher the value of your pension the higher your PA amount will be.

If you are in a defined contribution plan, where you contribute a fixed percentage of your total income to your pension—which may be matched by your employer—your PA will be the amount you contributed plus the matched amount. For a defined benefit pension plan, your PA is calculated as: [(9 X your annual accrued benefit) – 600]

唔多覺有額外,只得cpp,
咁我係咪25年3月先可以供番24年既入息18%?
24年都係我好少額,因為我23年都係做左一星期野

you can open a RRSP account now and contribute $2,000. (over contribution up to $2,000 is allowed)
You can contribution more after you received your 2023 statement of assessment. The same for year 2024.

最近想紋身，比自己一個里程碑

有冇咩地方推介

可以解釋吓點樣free money

講緊公司有rrsp matching