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Understanding Your TFSA Contribution Room in 2026

A Tax‑Free Savings Account (TFSA) is one of Canada’s most flexible and powerful savings tools, but figuring out your exact contribution room can feel like solving a puzzle. A clear breakdown makes it much easier. How TFSA Contribution Room Works Your available room is made up of three parts: Annual TFSA limit for the current year Unused contribution room from previous years Withdrawals from previous years (added back the following January) For 2026, the annual TFSA limit is $7,000 . Step‑by‑Step: How to Calculate Your Room Use this simple formula: [ \text{TFSA Room} = \text{Unused Room from Prior Years} + \text{Current Year Limit} + \text{Withdrawals from Last Year} ] A quick example: Unused room from past years: $18,000 2026 limit: $7,000 Withdrawals made in 2025: $4,000 [ \text{Total Room} = 18,000 + 7,000 + 4,000 = 29,000 ] That means you could contribute $29,000 in 2026 without penalty. A Few Helpful Notes Over‑contributions lead to penalties, so it’s worth...
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Chronic Fatigue Syndrome: A Prevalent and Misunderstood Illness

 

Chronic fatigue syndrome (CFS), also known as myalgic encephalomyelitis (ME), is a long-term illness that causes extreme tiredness and can severely limit a person’s ability to perform daily activities.

Recent data from the Centers for Disease Control and Prevention (CDC) reveals that CFS may affect about 3.3 million U.S. adults, a figure significantly higher than previous estimates.

Key Insights from the CDC Report:

  • Widespread Impact: The condition spans across all age, sex, and racial groups, debunking the misconception that it only affects middle and upper-class white women.
  • Diagnosis Challenges: Approximately 90% of CFS cases remain undiagnosed, particularly among minority groups, highlighting a need for better awareness and understanding in the medical community.
  • Potential Causes: While the exact cause of CFS is unknown, factors such as infections, trauma, and metabolic issues are thought to contribute to its development.
  • No Established Cure: Currently, there is no definitive cure or treatment for CFS, but symptom management techniques like deep breathing, muscle relaxation, and gentle exercise are recommended.

This condition, often misunderstood and sometimes dismissed by healthcare providers, requires further research and attention to improve diagnosis and treatment options for those affected.

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