多倫多生活討論區 101

A Canadian citizen can be a non resident for tax purposes

I think it refer to someone who physically resides in Canada.

好似話月供抵啲，有無清計過條數

有鳩的小妹

hugo1991

added

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Unfortunately………

hugo1991
請pm

但d 卡明明我夠income 都申請唔到 唔知係咪做野唔夠耐,credit score 太低

唔係想withdraw, 係有2年vesting period, 唔知份工做幾耐, 想快d meet 到2年vesting period, 咁幾時唔做都得, 一陣到時做夠1年9個月,差3個月不如等埋筆錢咁解

ok
What is vesting?
Vesting means becoming eligible to receive the full or partial financial benefit if you retire or leave the plan. Some of the financial benefits that companies offer—other than basic wages and compensation—aren't paid out immediately and, instead, come with vesting periods. For example:

If you're a member in a group registered retirement savings plan (RRSP) and your employer offers you matching contributions, you may not have immediate access to the employer portion. Your plan might state, for example, that the employer match vests after one year. This means that if you want to take money out of your plan, you can't take the match until you've been an employee for at least a year.
If you're in a group defined benefit plan, your benefit may vest after a stated period of time, such as three years of employment. This means that you can't access that money until you've been employed for that amount of time (and pending any other plan withdrawal rules).
Some companies offer restricted stock units as part of a bonus package, and these also come with a vesting period, usually three to five years, as an incentive to stay with the company.
What are typical vesting periods?
Employers can decide to make certain financial benefits available right away or over time, and the most common types of vesting are immediate, graded, and cliff.

Immediate vesting—You have access to the benefit as soon as it's in your account.
Graded vesting—You have gradual access to the benefit over time; for example, in a defined benefit pension plan, you might get access to 50% of the accumulated financial benefit after three year and full access to it over five years.
Cliff vesting—You must wait until you can receive the full benefit with no incremental benefit in the meantime. A five-year cliff in a pension plan would mean that you aren't eligible to receive the benefit until you've been employed for five years.
When you leave your job, you'll receive the amount of the financial benefit according to the vesting schedule:

If your plan has immediate vesting, you'll receive the full amount that's been placed in your account.
If your plan has graded vesting, you'll receive the portion that lines up with the length of your employment. If 50% vests in two years and the full benefit vests in four years, you'll receive nothing if you leave in the first two years, you'll receive 50% of the accrued benefit if you leave between years two and four, and you'll receive the full benefit the day after you've been employed for four years.
If your plan has cliff vesting, and the cliff is five years, you'll receive nothing if you leave before you hit your five-year anniversary but, after that, you'll receive the entire accrued benefit.
Check your vesting rules before you retire or resign
Whether you're considering retiring or leaving the company for another job, make sure you know what the different vesting schedules are in your workplace plans and other financial benefits, such as RRSPs, pension plans, stock options, and restricted share units. If you don't time your departure thoughtfully, you could end up leaving some money on the table.

Mbna?

純情小坦克?

好似有返新工
利申 睇留言

冇3張

report your rent expense anyway.
This is an Ontario tax credit and you will get it later if you qualify.