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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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Top 6 Winter Health Hazards and How To Beat Them

 


Winter is a beautiful season, but it also comes with some health risks that you should be aware of. Here are the top 6 winter health hazards and how to beat them:

1. Cold and flu: The most common winter illnesses are cold and flu, which are caused by viruses that spread through respiratory droplets. To prevent getting sick, wash your hands frequently, avoid touching your face, get a flu shot, and stay home if you have symptoms. To treat a cold or flu, drink plenty of fluids, rest, and take over-the-counter medications as needed.

2. Frostbite: Frostbite is a condition where the skin and underlying tissues freeze due to exposure to extreme cold. It usually affects the fingers, toes, nose, ears, and cheeks. To prevent frostbite, dress warmly in layers, cover your exposed skin, and limit your time outdoors in cold weather. To treat frostbite, seek medical attention as soon as possible, warm the affected area gradually with warm water or body heat, and avoid rubbing or breaking the skin.

3. Hypothermia: Hypothermia is a condition where the body temperature drops below 95°F (35°C) due to exposure to cold. It can cause shivering, confusion, drowsiness, and even death. To prevent hypothermia, dress warmly in layers, stay dry, and avoid alcohol and caffeine. To treat hypothermia, seek medical attention as soon as possible, move to a warm place, remove wet clothing, and wrap the person in blankets or warm clothes.

4. Dry skin: Dry skin is a common problem in winter due to low humidity and harsh winds. It can cause itching, cracking, and bleeding. To prevent dry skin, moisturize your skin daily, use gentle cleansers, and avoid hot showers and baths. To treat dry skin, apply a thick moisturizer or petroleum jelly to the affected areas, and use a humidifier or vaporizer to add moisture to the air.

5. Seasonal affective disorder (SAD): SAD is a type of depression that occurs during the winter months due to reduced sunlight and shorter days. It can cause mood swings, low energy, appetite changes, and difficulty sleeping. To prevent SAD, get enough sunlight during the day, exercise regularly, and maintain a healthy diet. To treat SAD, consult your doctor about medication or light therapy options.

6. Carbon monoxide poisoning: Carbon monoxide is a colorless, odorless gas that can be produced by faulty furnaces, fireplaces, generators, or car engines. It can cause headaches, nausea, dizziness, and even death. To prevent carbon monoxide poisoning, install carbon monoxide detectors in your home, check your heating system regularly, and never run your car in an enclosed space. To treat carbon monoxide poisoning, seek medical attention as soon as possible, move to a fresh air source, and administer oxygen if available.

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