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Reaching Your CPP Contribution Maximum: What Workers Need to Know

  Understanding when you’ve hit the Canada Pension Plan (CPP) maximum contribution for the year can save you confusion—and help you make sense of your paycheques as the year goes on. The CPP is designed with an annual limit, meaning once you’ve contributed the maximum required amount, no further CPP deductions should come off your income for the rest of that calendar year. How CPP Contributions Work CPP contributions are based on: Your employment income The year’s maximum pensionable earnings (YMPE) The CPP contribution rate Each year, the federal government sets: A maximum amount of income on which CPP contributions apply (the YMPE) The maximum total contribution you and your employer must make Once your income reaches that threshold, your contributions stop automatically. How to Know You’ve Reached the Maximum Here are the simplest ways to tell: Check your pay stub Your pay stub shows year‑to‑date CPP contributions. Compare this number to the annual maximum ...
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9 Must-Know Long-Haul Travel Tips If You’re Flying Internationally

 


Here are some tips for international flyers to make their long-haul travel more comfortable:

1. Dress comfortably: Long-haul flights can be exhausting, so it’s important to dress appropriately. Wear clothes that are cozy, comfy, and breathable, and bring layers so you can adapt to fluctuating cabin temperatures when you’re on board. Consider pulling on your favorite sweater, fluffiest socks, and loosest trousers to keep you comfortable and snug throughout your journey. Opt for comfy shoes to walk around the airport in. If you really want to prioritize style, consider bringing along a second outfit to change into before landing or when you arrive at your destination airport.

2. Bring your own snacks: Most long-haul flights will have some type of meal service and snack option, but it doesn’t hurt to bring some of your own if you’re going to be sitting there for hours and hours on end. Airplane meals can be a hit-or-miss, and hunger strikes at inconvenient times. Of course, you don’t get to choose when the meal service begins, so having some snacks of your own will help quell any hunger pangs if your stomach isn’t quite on the same wavelength as the scheduled meal.

3. Stay hydrated: It’s important to stay hydrated during a long flight. Drink plenty of water before boarding the plane and throughout the flight. Avoid alcohol and caffeine as they can dehydrate you.

4. Move around: Sitting in one position for too long can cause stiffness and discomfort. Get up and walk around the cabin every few hours to stretch your legs and improve circulation.

5. Entertainment: Bring a book, download movies or TV shows on your phone or tablet, or listen to music or podcasts to keep yourself entertained during the flight.

6. Sleep: Try to get some sleep during the flight so that you arrive at your destination feeling refreshed. Bring an eye mask, earplugs, and a neck pillow to help you sleep better.

7.Pack light: Avoid overpacking as it can be difficult to manage heavy luggage during a long journey. Pack only what you need and leave behind anything that’s not essential.

8. Choose the right airline: Do some research before booking your flight and choose an airline that offers good service, comfortable seats, and good food options.

9. Be prepared for jet lag: Jet lag can be a real problem when traveling across time zones. Try to adjust your sleep schedule a few days before your trip so that it’s closer to the time zone of your destination. Once you arrive at your destination, try to stay awake until it’s time for bed in the local time zone.

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