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RDSP: A Complex Pathway to Long-Term Security

  The Registered Disability Savings Plan (RDSP) is often described as one of Canada’s most powerful yet underutilized financial tools. Designed to help people with disabilities and their families save for the future, the RDSP comes with unique benefits that make its administrative hurdles worthwhile. At its core, the RDSP offers two major advantages: Government Grants and Bonds : Eligible contributions can be matched by the federal government through generous grants, and low-income beneficiaries may also qualify for bonds—even without personal contributions. Tax-Deferred Growth : Investments inside the RDSP grow tax-free until funds are withdrawn, allowing savings to compound over time. The paperwork, eligibility rules, and withdrawal restrictions can feel daunting. Families often face challenges navigating the application process, understanding contribution limits, and planning around complex withdrawal rules. Yet, for those who persist, the payoff is significant: thousands...
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Your daily horoscope: January 18, 2024

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

A Mercury-Saturn link on your birthday will encourage you to think deeply and seriously over the coming 12 months. By all means enjoy yourself but don’t ignore that little voice in the back of your head when it sends messages that are clearly profound.

ARIES (March 21 - April 20):

While you may not approve of what a friend or loved one is up to you know there isn’t much you can do about it. You can either turn a blind eye to their efforts or criticize anyway knowing they will almost certainly ignore every word you say.

TAURUS (April 21 - May 21):

You can and you must take the initiative and make things happen over the next 24 hours. Cosmic activity in the most adventurous area of your chart may not be as potent as it was but there is still plenty of scope to start making good things happen.

GEMINI (May 22 - June 21):

Someone you have dealings with seems a little bit slow in the mental department and, to be frank, you would be better off without their ideas. Make an excuse to go off and do things by yourself today and don’t be in a hurry to come back again.

CANCER (June 22 - July 23):

Let someone know that you will no longer allow them to push you around. If you can find the courage to speak up today it won’t be long before they realize you are not the easy touch they took you for and will go off and harass someone else.

LEO (July 24 - Aug. 23):

It’s fine to have controversial views – you are free to think and speak as you please – but you need to bear in mind that if those views are too outrageous you could make enemies of people who can make life tough for you. Tone down your act a bit.

VIRGO (Aug. 24 - Sept. 23):

What occurs over the next few days, and certainly when the sun changes signs at the weekend, could bring you down to earth with a bump. But in a way that’s good because you have been flying a little too high. Better to fall now than later on.

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