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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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Spring Forward: Daylight Saving Time in Canada

As the winter chill begins to fade and the promise of spring looms on the horizon, Canadians prepare to embrace longer days and shorter nights. The eagerly awaited transition to Daylight Saving Time (DST) marks the end of standard time, as clocks across the country spring forward by one hour. This year, DST begins on Sunday, March 9, 2025, at 2 a.m. local time.

While the adjustment might mean losing an hour of precious sleep, the benefits of DST are well worth the initial grogginess. The extra daylight in the evenings encourages outdoor activities, boosts mental well-being, and provides a sense of rejuvenation after the long, dark winter months. Communities come alive as residents take advantage of the extended daylight to socialize, exercise, and engage in various recreational pursuits.

Historically, DST was introduced to make better use of daylight during the longer days of spring and summer. The practice was first implemented during World War I as a means to conserve energy. Over the years, it has evolved into a tradition that many Canadians eagerly anticipate.

As you set your clocks forward this weekend, take a moment to relish the thought of longer, sunlit evenings and the opportunities they bring. Whether it's a leisurely stroll in the park, a family barbecue, or simply soaking up the golden hour, the extra daylight is a gift to cherish.


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