- Oct 2024
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thethink.institute thethink.institute
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Guess what: the Bible teaches that there is such a standard. It is God Himself.
Okay but once again the Bible relies on God. But if you aren't convinced in what the Bible says then how can you believe in God...?
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Maybe you’ve experienced this. You’ve been reading the Bible, and you’ve realized that it was revealing to you certain qualities about yourself—it was convicting you about a sin in your life, or it was encouraging you with a promise from God that was exactly what you needed
Not only does the bible do this, but okay. This is a valid point
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God’s word
That part is true... But if the bible is "God's word," but it's the bible that says God exists, then is it not just the same source citing itself?
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- May 2024
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www.getsmarteraboutmoney.ca www.getsmarteraboutmoney.ca
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Make sure to review all documents carefully before signing.
personal advice:
banks are probably the most steady for RESPs
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The fees for RESPs vary widely.
dw ab this
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The Canada Learning Bond
dont worry ab this
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Additional
dont worry ab this
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RESP
investment vehicle -- your choice on where to invest
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www.getsmarteraboutmoney.ca www.getsmarteraboutmoney.ca
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2015
because harper was prime minister (economist) and wanted ppl to save more
but trudeau came in and :(
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paying any tax.
unlike RRSP (which taxes you heavily)
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TFSA
after-tax money
and you can have as many accounts as you want (as long as limit isn't reached)
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www.getsmarteraboutmoney.ca www.getsmarteraboutmoney.ca
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you can carry forward your RRSP contribution room and use it in the future.
be sure to know how to calculate this
Ex.Your income is 100k (You can contribute 18%) Year 1 18k Year 2 9k Year 3 (9k from Year 2 + 18k from Year 3 = total of 27k)
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Try our RRSP savings calculator
note that this calculator doesn't take into account inflation AND tax dollars
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RRSP
what if you invest in your own company in order to get all the money from the rrsp lol
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RRSP
RRSP are investment vehicles, not really investments (similar to TFSAs)
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mutual funds
good for stability
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You can borrow from your RRSP to buy your first home or pay for your education
know how much you can contribute for these and what these plans are called
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specified time periods
within 15 years
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5. A spousal RRSPSpousal RRSP An RRSP for spouses or life partners where the higher earner puts money into a…+ read full definition can reduce your combined tax burden. If you earn more money than your spouse, you can help build their tax-free savings by contributing to a spousal RRSP. Retirement income will then be split more equally between the two of you. This may reduce the total amount of tax you pay.
not important
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You’ll pay tax on the regular payments you receive each year — but if you’re in a lower tax bracketTax bracket The rate at which you pay tax, based on your income level.+ read full definition in retirement, you’ll pay less tax.
if you are rich down the line, then you will get taxed heavily
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Deferral of taxes on your income.
if you have an income of 100k, then by contributing 18% of your income (18k), then you will get a tax refund because your "new income" is now 82k
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2. Your savings grows tax-freeTax-free Money that you do not pay tax on.+ read full definition while in the plan. Any interest or investment earningsEarnings For companies, it’s the money they make and share with their shareholders. For investors, it’s…+ read full definition you make from the money in your RRSP is not taxed if it stays in the plan.
not taxed today, but taxed later
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What is an RRSP and how does it work
just listen to what he is saying and that is all that is on the test
you need to know how to calculate your contributions
notice of assessment - tells you your maximum contribution limit is
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- Dec 2023
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www.salon.com www.salon.com
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statistical genocide
The measurement of identity or Indigenous status through appearance or blood quantum (statistics) -> erases the identity of Indigenous just because of statistics (with no consideration of other things like kinship or relationships)
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relegated Native peoples to the past
Connection to HBS
The recruiters viewed the Indigenous as "savages" and "uncivilized", but it's kinda dumb because they are forced out into the foods cus it's unsafe, but now they are being called savagers for living out there
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“Thirteen years later, their homes destroyed, their buffalo gone, the last band of free Sioux submitted to white authority at Fort Robinson, Nebraska. The great horse culture of the plains was gone and the American frontier was soon to pass into history.”
The example of her history was always only partly represented. The good things were shown, but the damage that was done was neglected, only shown in a paragraph in the epilogue.
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