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TFSA - Tax Free Saving Account

A From January 2009 , all residents of Canada, adults have the opportunity to invest their savings with a TFSA - Tax Free Saving Account . With the recent recession, the Canadian Government has implemented such a program to encourage citizens to save on favorable terms. Announced in 2008 in the federal budget, the TFSA not only provides a new way of saving tax , but also the opportunity to withdraw their funds without penalty at any time. Contributions will be allowed up to a maximum of $ 5,000 per year . Part of the contributions not paid during the year may be carried over for the next year or on a permanent basis. In addition, the Tax Free Saving Account has no limits based on income, nor are there any maximum age limits. However, a TFSA can not be assigned as a primer for children (or under 18 years of age). Not è possibile avere conti congiunti e quindi sommare il contributo annuo, ma è possibile contribuire sul conto del proprio partner, se uno dei due ha un reddito superiore a quello dell’altro. A differenza di un conto di risparmio pensato per la propria pensione, i risparmi su un TFSA non sono deducibili dalle imposte. Inoltre questo tipo di conto può essere recesso in qualsiasi momento. E’ bene sottolineare che il superamento del contributo annuo di 5000$ porterà ad una tassazione dei propri risparmi del’ 1% per ogni mese di permanenza del contributo in eccesso, sul proprio conto TFSA . Le operazioni previste su un conto TFSA sono, come si può imagine, a few. The contributions that can be paid are not paid and is allowed only one sample per month, the next will be charged. E 'can be taken until the entire balance on the account, but if you already have the number of annual deposits equal to $ 5000 no longer be paid into the account for that year, any other contribution. To explain these operations require a trivial example . For example: If you pay a contribution of $ 4,000 on your TFSA in 2009 but subsequently are taken $ 1,000 during the same year, the limits of assistance for il 2010 sarà 7,000$ . In pratica il contributo annuo massimo è di 5000$ , ma se si sono fatti in precedenza prelievi, possono essere riaccreditati sul conto TFSA nell’anno solare successivo al prelievo, senza inficiare il tetto massimo previsto per quell’anno. Uno dei motivi per cui suggerisco l’apertura di uno di questi conti ( aldilà dell’oggettiva convenienza ) è il fatto che aiuta tantissimo nel crearsi un’ottima credit history , perché una banca, anche con soli 50$ al mese che versate, considererà positivo il fatto che stiate risparmiando.

For further information you can find details on a TFSA on all sites of banks or Canadian here, or on the website of Department of Finance Canada .

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Membership or marriage?

As mentioned in one of my comments and as required by the future Quebe- WHO (?) -SE ' Francis, who has repeatedly confirmed 'intention to publish a case Quebec once obtained an immigration visa, and I want to mention here gyms Toronto, hoping to be " entertainment" to those who have a tendency to sedentary (any reference to my friend mush is purely coincidental). Here in Ontario are from the great masters two big names: Extreme Fitness ( former Bally ) and Goodlife Fitness . These are two chains of gyms across Canada. Each member can (under appropriate subscription ) attend each of the many gyms in the various areas here in Toronto or even elsewhere in the country. The locations of these gyms are usually in a very central and at nearly all subway stations and shopping malls. I have visited the both, taking advantage of the weekly pass that usually provide likely future members. The interior of these gyms, at least in Toronto downtown, is just as you imagine the North American gyms. A 4-story all windows, with lots of tread-mill, ellipticals, exercise bike, stepper and so on, each positioned in front of a TV or integrated directly on the machine. The locker rooms are well equipped and are the envy of a beauty salon, we provide: shampoo, shower gel, body lotion, hair drier and hot straight out from the dryer. Everything, however, has a cost. What is immediately evident when you go to ask about a possible subscription, regardless of the gym, is the total absence of a waiver policy (except for the Goodlife Fitness that if they have a custom . ..). This means that the annual subscription is and if, during the 12 months planned, you change your mind, one feels dissatisfied with the trainers or whatever, you break a leg or, simply, one will win from sedentary , well you should still continue to pay. In case of accident can temporarily freeze subscription but NOT payments will continue monthly as expected, by credited directly to your bank account, in fact worse than a financial ! An interesting feature of these chains is that you can find of exclusive women-only . The Goodlife Fitness, to date, is the only gym I've found that allows members to cancel the subscription by paying $ 99 of criminal . One thing that left me literally speechless , a bit like when people ask me if I know the nutella is was the fact that, beyond the super structures , there really is a shortage of qualified instructors. And I do not speak of the personal-trainer that they charge their weight in gold to monitor and advise the diet. But rather instructors in the classroom that stimulates you to work without the aid of a machine. Accustomed to my aerobics classes, fitness facilities, step, after months of research I discovered that it is virtually impossible find a gym where there are all, or even in part, these activities. The only classes that are great to have: yoga, pilates and & pilates yoga. In practical lessons that aim to increase flexibility and coordination rather than tone and lose weight. For me, the last memory I have of my size 42 the sandwich Positano taken to ' Autogrill Fiumicino before coming here, these lessons should not be just. The strange thing is that here, as I also believe in the U.S., the pounding of the diets, weird gear sold teleshopping that 7 minutes a day do you have the physical Matthew Mc Connery , low food fat and tasteless, is continuous! Yet the number of overweight people is high, and I swear these palestre sono sempre pienissime sin dalle 6 del mattino !

Se un giorno deciderete di iscrivervi in una qualsiasi gym qui in Canada, che sia un grande nome o a gestione familiare, ricordate sempre di contrattare il prezzo offertovi in principio. Nella maggioranza dei casi, offrono mesi iniziali gratuiti e enrollment for free . I ragazzi che lavorano in questi centri, solitamenti sono gentili, ma non vi molleranno finchè non vi abbonate! Se provate a trovare scuse per l'assenza di cancellation policy vi suggeriranno che non ci si sposa pensando di doversi lasciare un giorno. Per fortuna hanno inventato il divorzio ...