多倫多生活討論區 109 一 Trump 2025 大勝!

https://www.youtube.com/watch?v=vOB7-dbYuCc&ab_channel=JustinTrudeau

蒸 a/b 其實截左止未

招人夾Fubo睇英超，$27/3個月

https://t.me/iuleejieundlwlrma

未

係呢度過得幾開心
又鐘意揸車

準備開RRSP， 2唔Sure
今年最好，不過未必趕得切
出年收入應該高多DD，不過就唔會讀書or no 收入

慘，想拎D MPF 黎買下樓都唔得

Ado有冇人睇

想問下冬天使唔使買雪鞋？唔買溶雪會唔會好易仆街？但入室內又太熱你地會點處理？


都係初嚟報到，未試過去超話-5度嘅地方

有買到雪靴 但上年冇著過出黎
前年都淨係著過幾次

買樓可以拎rrsp出黎做首期

得自己一個唔知睇唔睇好

應該又係炒爆

要還翻入去
不過好似冇息？

一定要有雪鞋或者防水鞋
因為冬天著普通鞋一定唔夠暖
特別係你要行路/等車

落大雨既時候雪可以好厚 有對靴會好D

至於溶雪呢 主要係好多碎碎地既冰
叉錯腳係會仆街
同混合馬路邊黑色雪水 好噁心冇防水鞋就GG

入室內 如果返工會放對鞋換

係 之後要分期還番入去係就係無息既

唔該曬，咁我襯Black Friday 入番對先

靜啦

下年仲喺加拿大嘅話一齊去

除非唔報俾政府，不過查到就GG

備開RRSP， open one immediately and deposit up to $2,000
2唔Sure check your marginal tax rate here. Your MARGINAL tax rate is the tax you pay for MPF.

https://www.wealthsimple.com/en-ca/tool/tax-calculator

今年最好，不過未必趕得切- If you get the refund this year, you must deposit the full amount into the RRSP before Feb 28, 2025.

出年收入應該高多DD，不過就唔會讀書or no 收入

You can withdraw money from RRSP and subject to certain withholding taxes. However, the amount you withdraw will be added to your income for that year and you will lose the contribution room.


RRSP to finance your home buying
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html

You can withdraw up to $60,000 and you have up to 15 years to repay the amount.

Self Directed RRSP Mortgage

https://rates.ca/resources/self-directed-rrsp-mortgage

You can have a second mortgage (or first mortgage) in your RRSP.
I did that before. My RRSP holds my first mortgage.

Thank so much好詳盡
多謝巴打

vans mte-2系列我覺得幾好 夠冬天日常著
踩水氹都唔會入水
又唔係太笨重

make sure you ask/research more before you take any action.
Open a RRSP account asap just in case.

巴打係自己搞，定係搵會計師搞？
感謝