Skip to main content

Featured

How to Use a Spousal RRSP to Save Thousands in Retirement (2026 Guide)

  Published: April 2026 | Reading time: 10 min | Category: Retirement, Tax Savings, Personal Finance Most Canadian couples are leaving thousands of dollars on the table every single year by not using a spousal RRSP. It's one of the most powerful — and most underused — income-splitting strategies available to Canadians, and it's completely legal, fully endorsed by CRA, and available to almost every married or common-law couple in the country. If one spouse earns significantly more than the other, a spousal RRSP can save your household $5,000–$15,000 or more in lifetime taxes. This guide explains exactly how it works, who benefits most, and the rules you need to know to do it correctly. What Is a Spousal RRSP? A spousal RRSP is a Registered Retirement Savings Plan where one spouse (the contributor ) makes contributions, but the account is owned and will eventually be withdrawn by the other spouse (the annuitant ). The key mechanics: The contributing spouse gets the ...
Post a Comment
Read more

article

Labels

12 Risk Factors That Could Lead to Dementia Before the Age of 65

 


Dementia is a debilitating condition that affects millions of people worldwide.  According to a recent study, there are 12 risk factors that could lead to dementia before the age of 65. These factors include loneliness, hearing impairment, and alcohol misuse, among others . However, the good news is that tackling these health and lifestyle factors can significantly reduce the chances of developing dementia before the age of 65.

The good news is that these risk factors can be tackled by making some simple lifestyle changes. For example, staying socially active, getting regular exercise, and avoiding excessive alcohol consumption can all help reduce the risk of developing dementia. Additionally, maintaining a healthy diet, getting enough sleep, and managing stress levels can also help reduce the risk of developing dementia .

It’s important to note that while these lifestyle changes can help reduce the risk of developing dementia, they are not a guarantee against the condition. However, by making these changes, you can significantly improve your chances of maintaining good brain health and reducing the risk of developing dementia before the age of 65.


Labels:

Comments

Post a Comment