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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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Your daily horoscope: August 29, 2024

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Identify what your highest ambition is going to be and then go after it with every ounce of physical, mental and emotional energy you possess. The influence of Pluto on your birthday guarantees that your efforts will pay off like never before.

ARIES (March 21 - April 20):

As love planet Venus moves into your opposite sign today relationships won’t seem quite so tense as they have been of late. That does not, however, mean you can take your nearest and dearest for granted. Always take their feelings into consideration.

TAURUS (April 21 - May 21):

If you have fallen out with someone on the work front in recent weeks, with maybe a few harsh words passing between you, now is the time to get past those bad feelings and get things back to how they were before. Be the first to say sorry.

GEMINI (May 22 - June 21):

Keep telling yourself that your efforts will come good in the end and keep believing that the universe wants only good things for you, and your belief will make it a fact. Do what you can with what you have got – it will be more than enough.

CANCER (June 22 - July 23):

Try to be a bit more relaxed in your dealings with loved ones and relatives. Whatever may have been said and done in recent weeks it is now in the past and can and must be forgotten. What can you do jointly that will bring you closer together?

LEO (July 24 - Aug. 23):

There seems to be a lot of drama in your life at the moment but how much of it is really necessary? Probably very little. Ignore what others may be saying about you and just do what makes you feel good. A positive attitude is a must.

VIRGO (Aug. 24 - Sept. 23):

A strong link between values planet Venus and power planet Pluto will encourage you to patch up a partnership that should be profitable but which has been on the slide. You both have too much to lose to keep arguing for no good reason.

LIBRA (Sept. 24 - Oct. 23):

As your ruling planet Venus moves into your birth sign today the better side of your nature will come to the fore and you will be far less concerned about petty disputes and petty people. A beaming smile will cure all ills – well, most of them anyway.

SCORPIO (Oct. 24 - Nov. 22):

Something you have been fearful about for quite some time needs to be confronted and as Venus moves into the most sensitive area of your chart today now is the time to face up to it. Seriously, what can it do to hurt you? Nothing at all.

SAGITTARIUS (Nov. 23 - Dec. 21):

No matter what might be happening at the moment, either at home or at work, strive to remain upbeat and do what you can to help those around you feel better about life as well. Put on your happy face and greet the world with a smile.

CAPRICORN (Dec. 22 - Jan. 20):

If an opportunity to improve your status on the work front comes your way today you must seize it with both hands, because it may no longer be there come the start of next week. It’s possible to be competitive and still be a nice guy as well.

AQUARIUS (Jan. 21 - Feb. 19):

The entry of Venus into the most adventurous area of your chart will brighten your outlook and encourage you to believe that life does not have to be a constant struggle. If you are in the market for love, try looking outside your usual environment.

PISCES (Feb. 20 - Mar. 20):

Cosmic activity in the wealth area of your chart will encourage you to take a more laidback approach to money and investment activities. It may be true that cash is king but there is more to life than making a profit. What about love?

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