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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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Beating Seasonal Allergies Naturally


Beating seasonal allergies without medication can be a game-changer for those who want to enjoy the outdoors without the sneezing, itching, and congestion. While medications are effective, there are several natural approaches you can try to alleviate symptoms. Here are some tried-and-true techniques:

  1. Limit Outdoor Exposure:

    • Pollen counts tend to be highest during midday and early evening. If possible, stay indoors during these peak times.
    • When venturing outside, consider wearing sunglasses to protect your eyes from pollen.

  2. Use Air Conditioning:

    • Both in your car and at home, air conditioning can help filter out allergens.
    • Consider using a HEPA filter in your home to trap airborne particles.

  3. Keep Windows Closed:

    • On high-pollen days, keep windows and doors shut to prevent allergens from entering your living spaces.

  4. Shower and Change Clothes After Being Outdoors:

    • Pollen can cling to your skin, hair, and clothing. A quick shower and change of clothes can help remove allergens.

  5. Nasal Rinses:

    • Use a saline solution (saltwater) in a neti pot or squeeze bottle to rinse out your sinuses. This can help clear out pollen and reduce congestion.

  6. Identify Allergy Triggers:

    • Knowing what you’re allergic to can help you avoid specific triggers. For example, if you’re allergic to tree pollen, stay informed about local pollen forecasts.

Remember that everyone’s allergies are unique, so experiment with these techniques to find what works best for you. And don’t hesitate to consult with a healthcare professional if your symptoms persist or worsen. Enjoy the great outdoors while keeping those pesky allergies at bay! 


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