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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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Must-Know Long-Haul Travel Tips If You’re Flying Internationally: What should I pack in my checked luggage



Here is a list of items that you can consider packing in your checked luggage:

1. Clothing: Pack enough clothes for the duration of your trip. Consider the weather and activities you have planned. Don’t forget to pack comfortable shoes.

2. Toiletries: Pack full-sized toiletries such as shampoo, conditioner, soap, and toothpaste in your checked luggage. Remember to pack these items in a clear plastic bag if you’re flying internationally.

3. Electronics: Pack your electronics such as laptops, cameras, and other devices in your checked luggage.

4. Books and magazines: Pack books, magazines, and other printed materials in your checked luggage.

5. Snacks: Pack some snacks such as granola bars, nuts, or dried fruit in your checked luggage.

6. Gifts: If you’re bringing gifts for family or friends, pack them in your checked luggage.

7. Souvenirs: If you’re planning to buy souvenirs during your trip, pack them in your checked luggage.

8. Extra bags: Pack an extra bag or two in case you need to bring back more items than you anticipated.

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