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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: January 1, 2026

 

IF TODAY IS YOUR BIRTHDAY

If you know your own mind then all things are possible and with Mercury strong on your birthday this year there won’t be a single doubt anywhere in your head or your heart. Others may urge you to be cautious but what fun would that be?

ARIES (March 21 - April 20):

An opportunity to make an impression on the work front is about to present itself but you must act quickly or you could miss out. You are not the only one who is eyeing a move up the ladder of success, so be fast and be first!

TAURUS (April 21 - May 21):

Cosmic activity in your fellow earth sign of Capricorn will give your confidence a much-needed boost today. If you hold in your mind the thought of what you would like to accomplish it will soon be a reality rather than just a dream.

GEMINI (May 22 - June 21):

You may be fired up and raring to go but the planets warn if you get going too soon you could trip over your own feet and allow rivals to move ahead of you. If you start slow and then build up speed no one will catch you.

CANCER (June 22 - July 23):

This is not the time to shut yourself away from the world. On the contrary, you should be showing your face everywhere and making sure everyone knows who you are. The more you are seen the more opportunities you will be offered to shine.

LEO (July 24 - Aug. 23):

As mind planet Mercury moves into the work area of your chart today this would be a good time to assess whether you are putting your energy to the best possible use. Are you following your own dream or enabling the dreams of other people?

VIRGO (Aug. 24 - Sept. 23):

Your ruler Mercury now joins the sun, Venus and Mars in the most dynamic area of your chart, getting 2026 off to a wonderful start. Plan ahead for the next 12 months and make those plans BIG. Be amazing today and every day from now on!

LIBRA (Sept. 24 - Oct. 23):

Don’t let it bother you that you seem to be doing more for other people than you are able to do for yourself. Your sacrifices will not go unnoticed and before the year is much older others will be doing stuff for you in return.

SCORPIO (Oct. 24 - Nov. 22):

It’s not like you to throw caution to the wind and take the kind of risks that others tend to avoid but that’s what you feel like doing right now. So do it. Your instincts are usually a very good guide to how you should be acting.

SAGITTARIUS (Nov. 23 - Dec. 21):

The efforts you made in the final weeks of the old year will start paying off in the early days of 2026. You will make some money for sure but more importantly your standing with people in positions of power will soar to new heights.

CAPRICORN (Dec. 22 - Jan. 20):

It’s all happening as the new year begins and most of it is happening to you. With Mercury joining a cluster of planets in your sign today you will know without a shadow of a doubt that you are on the verge of something big.

AQUARIUS (Jan. 21 - Feb. 19):

It will pay you to keep what you are planning to yourself over the next few days. If you let others know what’s going on they may get jealous and try to stop you. You don’t need their professional advice, you just need to be left alone.

PISCES (Feb. 20 - Mar. 20):

Cosmic activity in the area of your chart that relates to group activities will encourage you to sign up to social and charitable causes of one kind or another. You are at your best when helping other people to help themselves, so get involved.


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