Families are always changing, whether you’re getting married, having a child, taking more care of a parent or sending a student to university. The changes can also bring new tax credits and procedures into your life.
Opening an RESP is a must if you have childrenare a must-have for people with children. The gains are tax-sheltered, and the government provides a 20-per-cent grant for every dollar you contribute up to $2,500 each year. The account is flexible in terms of what kinds of education the funds can be used for. And if your child doesn’t go to university, you can keep the tax-sheltered gains as if it were an extra tax-free savings account – you’ll just have to forfeit the 20-per-cent grants.
Are you a young Canadian with money on your mind? To set yourself up for success and steer clear of costly mistakes,
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