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RDSP: A Complex Pathway to Long-Term Security

  The Registered Disability Savings Plan (RDSP) is often described as one of Canada’s most powerful yet underutilized financial tools. Designed to help people with disabilities and their families save for the future, the RDSP comes with unique benefits that make its administrative hurdles worthwhile. At its core, the RDSP offers two major advantages: Government Grants and Bonds : Eligible contributions can be matched by the federal government through generous grants, and low-income beneficiaries may also qualify for bonds—even without personal contributions. Tax-Deferred Growth : Investments inside the RDSP grow tax-free until funds are withdrawn, allowing savings to compound over time. The paperwork, eligibility rules, and withdrawal restrictions can feel daunting. Families often face challenges navigating the application process, understanding contribution limits, and planning around complex withdrawal rules. Yet, for those who persist, the payoff is significant: thousands...

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Your daily horoscope: October 18, 2025

 

IF TODAY IS YOUR BIRTHDAY

If you feel the need to get away from your usual surroundings then pack a bag and go. Your birthday chart indicates that you will do best this year when you act on impulse, so listen to what your inner voice is telling you and make that move.

ARIES (March 21 - April 20):

It may come as a shock if someone you consider an ally sides with a rival this weekend but it’s not the end of the world nor is it the end of your friendship. It is, however, a wake-up call. The support you expect has to be earned.

TAURUS (April 21 - May 21):

You know that what you are about to say will stir things up but the extent of the backlash may surprise you. It could be that you have been controversial for the sake of it once too often and others are fed-up with it.

GEMINI (May 22 - June 21):

You may not be entirely happy about what a loved one is proposing but you must support them anyway. Save any criticisms you have until after they have made their move. That way, if their efforts succeed you won’t look silly.

CANCER (June 22 - July 23):

Avoid any kind of money-making schemes that friends and colleagues try to sell you this weekend. They may believe that they are on to a winner but the planets tell a different story, so keep your hard-earned cash in your pocket.

LEO (July 24 - Aug. 23):

A rational approach to partnership matters is a must this weekend, because if what you propose sounds unreasonable you won’t get the support you need. Make sure your ideas can withstand close inspection from those who are inclined to doubt you.

VIRGO (Aug. 24 - Sept. 23):

Your confidence may be high at the moment but don’t get carried away and start believing that you can do the impossible. No matter how sure you are of your ground, upcoming changes at home and at work could turn your world upside-down.

LIBRA (Sept. 24 - Oct. 23):

Criticism you get from people you work or do business with over the next 48 hours is designed to undermine your confidence in what you are doing. The cosmic omens are so good for you now that you can safely ignore everything they say.

SCORPIO (Oct. 24 - Nov. 22):

The fact that someone you have not been on the best of terms with recently now seems so friendly is not a cause for concern. Yes, of course, it would be wise to check what they say but the planets indicate they are not being deceptive.

SAGITTARIUS (Nov. 23 - Dec. 21):

The message of the stars this weekend is that you must pursue what interests you, not what interests other people. That applies as much to family and social events as it does to your work – you don’t have to join in if you don’t want to.

CAPRICORN (Dec. 22 - Jan. 20):

Anyone who tries to sell you a hard-luck story this weekend must be treated with the utmost caution. Whatever their problem may be they most likely brought it on themselves, so see to it that they face the consequences of their actions.

AQUARIUS (Jan. 21 - Feb. 19):

Are you out of step with everyone else, or is everyone else out of step with you? No matter how big your ego may be you will have to admit that you are the one who is off the pace. You’re not fooling anyone else, so why fool yourself?

PISCES (Feb. 20 - Mar. 20):

Someone you meet on your travels this weekend will have a profound effect on the way you look at the world by pointing out facts that you were previously unaware of. It may be an unsettling experience but your mind is due for a change.

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