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Start Saving Now for September: Your RESP Checklist Before the School Year Hits

  Canadian Money Brief · Family Finance September feels a long way off on July 1. That's exactly why now is the right time to look at your child's RESP — not in late August when the school supply list arrives and the grant math gets rushed. If you have a Registered Education Savings Plan (or you've been meaning to open one), here's what to check right now, and why the calendar year — not the school year — is what actually matters. Why July, Not August The Canada Education Savings Grant (CESG) — the government's 20% match on RESP contributions — runs on the calendar year , not the school year. Grant room for 2026 resets on a January-to-December basis, and it doesn't carry any special "back to school" deadline. But summer is genuinely the best time to check your numbers, for three reasons: You still have six full months left in the year to top up if you're behind. Contributions made now have more time to grow before your child needs the money. You av...
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How to Choose High-Quality Olive Oil: A Guide for Health-Conscious Shoppers

 

Olive oil, a staple of the Mediterranean diet, offers numerous health benefits. From reducing the risk of dementia and poor heart health to promoting cognitive well-being, this golden elixir has much to offer. However, not all olive oils are created equal. To ensure you’re getting the best quality, consider the following factors when selecting your olive oil:

1. Harvest and Processing

  • Opt for brands that prioritize quality from the moment of harvest. Look for oil made from gently harvested, very green olives that haven’t fully ripened. These olives contain a higher concentration of healthful components.
  • Speed matters! Choose oils that go from harvest to processing within a short timeframe. Some companies process olives within two hours, minimizing the risk of oxidation or fermentation.
  • Extra virgin olive oil is the healthiest choice. It’s cold-pressed without high heat or chemical solvents, preserving its nutrients.

2. Freshness and Storage

  • Check product labels for harvest, processing, and bottling dates. Some brands provide this information directly on the label or via QR codes.
  • Aim for bottles that take no more than three months to reach the shelf from harvest. The fresher, the better!
  • Avoid olive oil stored under bright lights or in warm conditions at the grocery store. Heat and light can degrade its quality.

3. Taste and Smell

  • High-quality olive oil should smell fruity, fresh, and slightly grassy. It should have medium to low fluidity.
  • When tasting, look for an intense, slightly bitter flavor with cough-inducing qualities. A clean, fruity taste indicates quality.
  • Ideal containers are dark glass, inox, or ceramic bottles, avoiding PVC containers.

Remember, the health benefits of olive oil come from its components, including oleic acid and polyphenols. So, choose wisely, and elevate your culinary experience with the finest olive oil! 

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