The “Big Five” Canadian banks offer investment funds and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Let’s explore the best place for you to invest.
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A tax guide for Canadians with disabilities
– moneysense.ca
It is the understatement of the century to say that being disabled is expensive. Many advocates refer to the added financial burden as the “disability tax”—the extra, unavoidable costs of living with a disability. In Canada, where about 27% of people identify as disabled according to Statistics Canada, those costs can include accessible equipment, suitable housing, and ongoing medical expenses that quickly add up.
Then comes tax season. There’s no shortage of programs available to Canadians who are disabled, including tax credits and savings plans—but navigating them can be both overwhelming and time consuming.
Yannick Lemay, a tax specialist at H&R Block Canada, describes it as “an ocean” of information. “There are federal programs; there’s also provincial programs, provincial credits, depending on where you live. Sometimes even municipalities might have grants or other other specific programs,” Lemay says, “So it’s a lot of information out there…
