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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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Iron-Deficiency Anemia: The Hidden Cause of Brain Fog and Sluggishness

 

Feeling mentally sluggish, struggling to concentrate, or experiencing brain fog? Iron-deficiency anemia (IDA) might be the underlying culprit. Approximately 3 million Americans suffer from anemia, but many remain undiagnosed for years. Let’s delve into this common condition and its impact on cognitive function.

What Is Iron-Deficiency Anemia?

IDA occurs when the body lacks sufficient iron. Hemoglobin levels drop below the normal range, affecting the oxygen-carrying capacity of red blood cells. As a result, bodily functions operate at less than optimal levels. Common symptoms include:

  • Fatigue
  • Weakness
  • Shortness of breath
  • Chest pain
  • Headaches
  • Palpitations
  • Pale skin
  • Dizziness
  • Cold hands and feet

Brain Fog and IDA

When the brain receives inadequate oxygen due to reduced red blood cell count, it can lead to brain fog. This symptom manifests as:

  • Difficulty thinking
  • Lack of concentration
  • Impaired information processing
  • Forgetfulness

The Impact on Productivity

For working individuals, productivity is paramount. Struggling with IDA may hinder project completion and meeting deadlines. If you suspect anemia, don’t dismiss symptoms. Schedule a checkup with your doctor and ensure your iron levels are within the healthy range.

Remember: Your well-being matters. Describe your symptoms honestly to your healthcare provider, and seek proper diagnosis and treatment. Don’t let brain fog hold you back—take charge of your health! 

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