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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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Your daily horoscope: October 28

 


HOROSCOPES IF TODAY IS YOUR BIRTHDAY

The influence of Neptune on your birthday suggests you will be drawn to mysteries of one sort or another this year. It’s good that you are prepared to dig deeper into the meaning of life but be careful you don’t start believing in conspiracy theories.

ARIES (March 21 - April 20):

If there are changes you would like to make in your domestic situation then now is the time to think deeply about them and then take decisive action. Mars in the family area of your chart will endow you with the determination you need to make things happen.

TAURUS (April 21 - May 21):

You are in one of those moods when your patience wears thin very quickly, especially when working with people who seem to believe they can take as long as they like over issues that need to be dealt with immediately. Deal with those people first.

GEMINI (May 22 - June 21):

No matter what you hear over the next 24 hours you would be wise to take none of it too seriously. According to the planets what you are told is only half the story and it is the half you are not hearing that contains the juiciest information.

CANCER (June 22 - July 23):

Mars in your sign makes you want to act at top speed all the time but the message of the stars as the new week begins is that you need to slow down. If you continue to rush things you risk making some major, and needless, mistakes.

LEO (July 24 - Aug. 23):

If you take pleasure in what you have to do today then it won’t feel as if you are being forced to act entirely against your will. Even a Leo has to dance to someone else’s tune once in a while but it’s really no big deal.

VIRGO (Aug. 24 - Sept. 23):

It’s nice that so many people want to be close to you but if you feel the need to go off and be by yourself for a while that is what you must do. Today, and maybe tomorrow too, they will have to amuse themselves for a change.

LIBRA (Sept. 24 - Oct. 23):

Never complain, never explain, never say sorry. Keep repeating that mantra during the early part of the week and keep moving along the path you have chosen no matter how many people say you are making a huge mistake. They are hugely mistaken.

SCORPIO (Oct. 24 - Nov. 22):

You may have to fight to get yourself noticed today but once you have got the attention of friends, colleagues and loved ones you can put on a show they will never forget. You don’t have to be outrageous – just be yourself.

SAGITTARIUS (Nov. 23 - Dec. 21):

It may not be possible to entirely ignore your problems but it is possible to put them out of your mind for a while and that is what you must do now. Focus on what makes you glad to be alive. The bad stuff will take care of itself.

CAPRICORN (Dec. 22 - Jan. 20):

If you make it your aim today to befriend someone you don’t usually get along with you may be surprised to discover that you have a lot in common. Sometimes the people we dislike the most turn out to be mirror images of ourselves.

AQUARIUS (Jan. 21 - Feb. 19):

You may think you can get through your workload without help, and maybe you can, but a more sensible course by far would be to get assistance from people who will happily help you if you choose to ask. Why would you not want to?

PISCES (Feb. 20 - Mar. 20):

Neptune in your sign links with Mars today, which means you will be confronted by tasks that make you feel tired just thinking about them, never mind doing them. Be that as it may other people are relying on you, so make the effort.

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