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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: October 16, 2024


 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Venus, your ruler, links with Neptune on your birthday, which means you need to adopt a more relaxed view of life and its troubles. Accept everything that comes your way over the next 12 months with a smile, then teach others how to smile as well.

ARIES (March 21 - April 20):

Tomorrow’s lunar eclipse in your sign will play havoc with your emotions and there is no telling what you might say or do. Come the weekend though you will have calmed down a bit and can start apologizing to those you have offended!

TAURUS (April 21 - May 21):

Because the upcoming eclipse falls in the most sensitive area of your chart you will want nothing more than to hide away from the world over the next few days. Don’t cut yourself off completely though, at least not from the people you love.

GEMINI (May 22 - June 21):

When you want something enough there is no power on Earth that can stop you from getting it, but the planets warn you could be wanting one particular thing so much that it won’t be good for you in the long term. Steer clear of excess.

CANCER (June 22 - July 23):

You are in one of those moods when all things seem possible, but don’t start believing that you can get what you desire without working for it. Your goal may be right there in front of you but you still have to reach out and grasp it.

LEO (July 24 - Aug. 23):

The dream you have been visualizing for so long is beginning to take shape and it won’t be long before it becomes a reality. You must though be patient and allow events to unfold at their own pace. The pushier you are the longer it will take.

VIRGO (Aug. 24 - Sept. 23):

Although you pretend to be confident you have secret fears like everyone else and what occurs over the next few days will magnify those fears to a considerable extent. By the weekend though you will realize they were mere phantoms of your mind.

LIBRA (Sept. 24 - Oct. 23):

You will have to deal with someone today who is every bit as stubborn as you are and the situation could get ugly if you both refuse to see sense. You do though share many things in common, so a compromise solution can and must be found.

SCORPIO (Oct. 24 - Nov. 22):

You will have to do something you don’t much enjoy today but if you approach it in a positive frame of mind you may find it’s not so bad. You won’t admit that to others, of course, but there is really no need to be gloomy about it.

SAGITTARIUS (Nov. 23 - Dec. 21):

Forget about the traditional way of doing things and invent new ways to express your artistic potential. You also need to get away from the idea that everything you create has to be a masterpiece – just do your very best and be happy with that.

CAPRICORN (Dec. 22 - Jan. 20):

The more family, friends and colleagues try to guide you today the more you will resist their efforts at every turn. Later on you may recognize that they had your best interests at heart but you are simply not in the mood to be dictated to.

AQUARIUS (Jan. 21 - Feb. 19):

The approaching lunar eclipse could upset your travel plans in a big way, so stay calm and try not to get angry if you have to make last-minute changes. It may take you longer to get where you want to go but you’re still on the right track.

PISCES (Feb. 20 - Mar. 20):

This is not a good time to take risks with your money, so resist the urge to splash out on luxury items and ignore people who try to tempt you with new investment opportunities. The upcoming eclipse is likely to magnify any losses you make.

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