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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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U.S. State Department Embarks on Sweeping Reorganization

 

The U.S. State Department has announced a significant restructuring initiative aimed at streamlining operations and aligning with the administration's "America First" mandate. Secretary of State Marco Rubio revealed plans to reduce domestic staff by 15% and consolidate over 100 bureaus worldwide. This reorganization will see the number of offices reduced from 734 to 602, with 137 offices relocated to enhance efficiency.

The overhaul is part of a broader effort to modernize U.S. foreign policy and optimize resource allocation. While the changes are expected to empower diplomats and improve operational effectiveness, concerns have been raised about potential impacts on critical areas such as diversity, inclusion, and humanitarian efforts.

The reorganization reflects the administration's commitment to reducing bureaucracy and fostering innovation within the department. As the State Department navigates these changes, the focus remains on maintaining its relevance and efficacy in addressing global challenges.







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