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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 Tax-Deferred Growth : Investments inside the RDSP grow tax-free until funds are withdrawn, allowing savings to compound over time.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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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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