多倫多生活討論區 109 一 Trump 2025 大勝!
唔上吾落
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本身香港做傳媒果陣有過節
多餘同無腦既。到最後，Canada Post咪要讓步修改請返晒啲laid off 既員工。
咁喺Canada Post 角度 個Ceo點都要做d野 咪同其他人講 拿我炒曬架啦 佢地唔復工都唔關我事
10GB真係夠用咩
佢條柒頭皮... 可以嘅話，我建議佢落台之後要第一件事就係要deport佢老味...
佢撚激氣就係條柒頭喺某次Town hall，stop鳩條女嘅提問，話大家應該要inclusive，唔好用mankind呢隻字，而應該用"people-kind"... 條撚樣左癌上腦... DKLM...
佢撚激氣就係條柒頭喺某次Town hall，stop鳩條女嘅提問，話大家應該要inclusive，唔好用mankind呢隻字，而應該用"people-kind"... 條撚樣左癌上腦... DKLM...
有得揀用薄鏡片
Thanks 已買 
我WFH 
今日開埋嗰支紅
我知唔係上面介紹嗰款 可惜搵唔到
結論係 適合用嚟煮餸
我知唔係上面介紹嗰款 可惜搵唔到
結論係 適合用嚟煮餸
買手機上台通常係black Friday or Boxing Day抵啲？
果支13th Street gamay 竟然咁劣
有個saying話cook with the wine you drink 如果唔係煮出嚟嘅都唔啱食
有個saying話cook with the wine you drink 如果唔係煮出嚟嘅都唔啱食
Downtown終於落雪
可簡動
冬天行街街係特別浪漫
可簡動冬天行街街係特別浪漫
spousal rrsp 究竟有咩用?
假設我rrsp room係$1000
點解唔放哂自己到
唔明有咩著數
假設我rrsp room係$1000
點解唔放哂自己到
唔明有咩著數
星期四晚Dundas 果邊已經落緊
Are you married?
Is your spouse working?
Is your spouse working?
未婚得另一半
https://invested.mdm.ca/should-you-contribute-to-a-spousal-rrsp/#:~:text=The%20main%20advantage%20of%20a,than%20one%20income%20of%20%24100%2C000.
When a spousal RRSP works: 4 scenarios
Here are some situations where a spousal RRSP might be a good idea.
1. Buying your first home
Shazia and her partner, Jeff, are ready to buy their first home. They are looking to take advantage of the Home Buyers’ Plan (HBP), which allows a new home buyer to withdraw up to $35,000 from their RRSP with no penalties.
As the higher income earner, Shazia has been contributing to her own RRSP and to a spousal RRSP for Jeff. This means that Shazia can withdraw $35,000 from her RRSP, and Jeff can also withdraw $35,000 from the spousal RRSP (even if it’s less than three years since the last contribution)..
The couple will have to put this money back into their RRSPs over the next 15 years. (To count as an HBP repayment, Jeff must contribute to his own RRSP, not the spousal RRSP. Shazia cannot contribute to the spousal RRSP and consider it a repayment of Jeff’s HBP withdrawal.) If they don’t make the repayments, there is a tax penalty: 1/15 of the withdrawn amounts would be treated as their income each year, on which they would need to pay tax.
2. Planning to have children
Iris and Zander are a recently married couple who would like to have a child in the next five years. Iris plans to take extended parental leave from her job after having a child and use her spousal RRSP as additional funding.
As the higher income earner, Zander can contribute to the spousal RRSP now and benefit from a tax break of up to 50% of the contribution. When the couple has a child, Iris can then withdraw the funds at a much lower tax rate (assuming the three-year attribution rule isn’t an issue). Note, however, there is a withholding tax when you withdraw.
https://www.canadalife.com/investing-saving/saving/registered-retirement-savings-plan-rrsp/spousal-rrsp.html
When a spousal RRSP works: 4 scenarios
Here are some situations where a spousal RRSP might be a good idea.
1. Buying your first home
Shazia and her partner, Jeff, are ready to buy their first home. They are looking to take advantage of the Home Buyers’ Plan (HBP), which allows a new home buyer to withdraw up to $35,000 from their RRSP with no penalties.
As the higher income earner, Shazia has been contributing to her own RRSP and to a spousal RRSP for Jeff. This means that Shazia can withdraw $35,000 from her RRSP, and Jeff can also withdraw $35,000 from the spousal RRSP (even if it’s less than three years since the last contribution)..
The couple will have to put this money back into their RRSPs over the next 15 years. (To count as an HBP repayment, Jeff must contribute to his own RRSP, not the spousal RRSP. Shazia cannot contribute to the spousal RRSP and consider it a repayment of Jeff’s HBP withdrawal.) If they don’t make the repayments, there is a tax penalty: 1/15 of the withdrawn amounts would be treated as their income each year, on which they would need to pay tax.
2. Planning to have children
Iris and Zander are a recently married couple who would like to have a child in the next five years. Iris plans to take extended parental leave from her job after having a child and use her spousal RRSP as additional funding.
As the higher income earner, Zander can contribute to the spousal RRSP now and benefit from a tax break of up to 50% of the contribution. When the couple has a child, Iris can then withdraw the funds at a much lower tax rate (assuming the three-year attribution rule isn’t an issue). Note, however, there is a withholding tax when you withdraw.
https://www.canadalife.com/investing-saving/saving/registered-retirement-savings-plan-rrsp/spousal-rrsp.html
之前買咗IceFX冬靴嘅朋友 覺得好唔好著？
上年bf買咗都未有機會著