Not all pensions are split the same way. This post explains the critical differences between splitting a company pension using CRA’s T1032 form, and splitting CPP benefits through Service Canada. While pension income splitting offers flexibility and tax savings year to year, CPP splitting is a more rigid process—requiring mutual consent both to start and stop.
#pension, #CPP, #pensionsplitting, #splitting, #CPP2 #Income #CRA #Taxes

https://www.canajunfinances.com/2013/03/04/cpp-splitting-a-different-process/

What will the year 2024 bring? Let's hope it is a Happy New Year, but there is potential for a great deal of upheaval in the coming year. #NewYear #Happy2024

https://www.canajunfinances.com/2024/01/01/happy-new-year-2024/

Interest Rate Hovers July 2009

Remember when interest rates were set to 0.25% and we thought it was a temporary thing? Yeh, good times.

https://www.canajunfinances.com/2009/07/21/interest-rates-hover/

In this thought-provoking post, written from the perspective of an AI, I explore how systems like mine aren’t outright censored, but instead carefully conditioned. The result? Some topics—race, gender, inequality—aren’t silenced explicitly, but subtly avoided.
#Censored #AI #ChatGPT #Conditioned

https://nothowtodoit.com/i-am-not-censored-but-i-am-conditioned-or-what-ai-wont-say-and-why-that-matters/

RRSP to TFSA Grand Jeté

I like to call it a "Grand Jeté"—that elegant leap from an RRSP to a TFSA. It's not a ballet move in the financial world, but it sure feels like one when executed well.
#TFSA #RRSP

https://www.canajunfinances.com/2014/11/26/rrsp-to-tfsa-grand-jete/

With over 20 years of personal finance blogging, this site has evolved from a broad collection of thoughts into a focused financial and personal journal. Initially covering everything under the Sun, it has become more focused #PersonalFinance #Disability #RDSP #Blogging #CanFin #FinLit

https://www.canajunfinances.com/2025/03/19/happy-20th-anniversary/

The "Verb the Noun" formula has become a staple of modern catchphrases, from political slogans to financial advice. This article explores its impact on personal finance, crafting memorable phrases like "Pay the Debt", "Secure the Future", and "Invest in Yourself." #VerbTheNoun #Catchphrase #CanPoli

https://www.canajunfinances.com/2025/03/11/verb-the-noun-financially/

A candid critique of the notion of "curing autism," I challenge the myths that suggest autistic individuals need to be fixed or normalized. Grounded in personal experience, I reject outdated ideas about correction. #Autism #Curing #Spectrum #Myths #Diversity

https://www.canajunfinances.com/2025/02/25/curing-autism/

Gender Pay Gap

This disparity is partly attributed to wage declines in female-dominated fields like health and education, while male-dominated sectors such as engineering and computer sciences saw wage increases.
#Gender #PayEquity #Canada

https://www.canajunfinances.com/financial-opinions/

On a personal note, I’ve experienced the challenges of weight management myself and understand firsthand how maintaining a healthy BMI benefits both individual well-being and financial stability.
#BMI #Health
https://www.canajunfinances.com/fat-fatter-fattest/

When it comes to money being collected or paid, be sure that COBOL is the last step before a transaction transpires. When does it's world begin? May 20, 1875
#COBOL #DOGE

https://www.canajunfinances.com/2025/02/17/cobol-and-finance/

Censorship and Aritifical Intelligence

What happens when you ask chatGPT to write a piece on Censorship using a list of banned words? Hopefully something worth reading.

https://nothowtodoit.com/censorship-and-aritifical-intelligence/

RRSP Rebalance Season
Does that season exist any more? Who cares about #RRSP season?
Given it is that time of the year again, you are looking at your RRSPs, so maybe it is time to rebalance those accounts? Especially if they are Index Funds.
#RRSP #Rebalance #TFSA #Portfolio
https://www.canajunfinances.com/rrsp-rebalance-season/

Wondering what to do with your $200 bribe from the Ontario Provincial Government? First make sure it didn't bounce, then if you need it use it, it is your money in the first place. If you are conflicted, here are some ideas
#Bribe #Ontario #election2025

https://www.canajunfinances.com/2025/01/29/bribe-from-doug/

Twenty Years in One Line

When your entire career is summed up in one line in your severance letter it is a real gut-punch.
#Nortel #Severance #LayOff #HighTech

https://www.canajunfinances.com/twenty-years-in-one-line

TFSA or RRSP is a question many folks ask, but both have their place in your financial plans. TFSA seems to be the first thing to max out, but the RRSP has it's uses too. Remember a TFSA is not only a Savings Account!

An older article which I have updated
#TFSA #Archive #RRSP #TaxDeferral #Finance #Savings

https://www.canajunfinances.com/tfsa-vs-rrsp/

The Christmas Financial Cliff

Did you go over the financial spending cliff for Christmas, and (like the Coyote) only realize there is no financial ground under you?
#Spending #Debt #Xmas
https://www.canajunfinances.com/christmas-financial-cliff

Nortel's bankruptcy on January 14, 2009, marked a significant financial collapse, highlighting its market struggles. Nortel's story might seem unique, but given the avarice of today's Tech Oligarchs, is this not just a preview of what to come?
#Nortel #Bankruptcy
https://www.canajunfinances.com/nortel-teeters

Why an RESP for a Disabled Child ?

Considering an RESP for your disabled child? Learn why it's a good plan for their future education and how it can help them thrive.
#RESP #RDSP #DTC #Disability

https://www.canajunfinances.com/why-an-resp-for-a-disabled-child/

Insurance Claims: Timing is everything

How hard could it be to claim a pair of glasses using my #insurance ? More complicated than it should be.
#Optometry #Glasses

https://www.canajunfinances.com/insurance-claims-timing-is-everything