Celebrate Education Savings Week from November 16-22, 2014!

View · 发表于 2014-11-19 21:10

The Government of Canada recognizes that education after high school is the greatest investment Canadians can make for children. It can help open doors to a world of opportunities. The Government can help you save, so that children can get the right education, skills and training to find good jobs.

Celebrate Education Savings Week with us and help raise awareness about the importance of saving for a child’s education after high school. You don't have to be the child's parent; family members and friends can also put aside money for a child’s education. Saving early—even a little at a time—can make a big difference.

November is also Financial Literacy Month in Canada, featuring activities to help Canadians improve their financial literacy. The Financial Consumer Agency of Canada (FCAC) website is a great resource to find events, tools and information related to financial literacy.

View · 发表于 2014-11-19 21:15

Alberta Centennial Education Savings Grants

The Alberta Centennial Education Savings Plan, or ACES Plan, continues to be under review to ensure it is best meeting the needs of Albertans.

While the program is under review, Albertans can still apply for ACES grants. All eligibility and application requirements remain the same.

Should the status of the ACES Plan change, updates will be posted on this website. Questions and inquiries can be directed to 1-866-515-ACES(2237) or ACES@gov.ab.ca

The ACES Plan will contribute $500 into the Registered Education Savings Plan (RESP) of every child born to Alberta residents in 2005 and later. As well, grants of $100 are available to children of Alberta residents when they turn 8, 11 and 14 in 2005 and later, provided that the children are attending school.

In order for beneficiaries to receive the best return on investment, grant applications should be made as soon as the child turns each of the ages noted above.

View · 发表于 2014-11-19 21:21

本帖最后由 View 于 2014-11-19 21:22 编辑

Basic and Additional Canada Education Savings Grant (CESG)

Your child could receive up to $7,200 from the Government of Canada to help pay for his or her education after high school.

The Canada Education Savings Grant is money the government adds to your child's Registered Education Savings Plan (RESP) to help their savings grow. After high school, your child can withdraw the money to help pay for either full-time or part-time studies:
in an apprenticeship program;
at a CEGEP;
at a trade school;
at a college; or
at a university.

To receive the Canada Education Savings Grant (CESG), a Registered Education Savings Plan (RESP) must have been opened for the child. (Anyone can put money into an RESP for any child; you do not have to be the child's parent.)

The basic CESG provides 20 cents on every dollar you contribute, up to a maximum of $500 on an annual contribution of $2,500. If you cannot make a contribution in any given year, you may be able to catch up in future years.

This grant is available up until the end of the calendar year in which the child turns 17.

Depending on the child's primary caregiver's net family income, he or she may also be eligible to receive the Additional Canada Education Savings Grant (A-CESG). This grant adds an additional 10% or 20% onto the first $500 put into the RESP.

extra 20% on the first $500, if the child's family has qualifying net income for the year of $ 43,953 or less; and
extra 10% on the first $500, if the child's family has qualifying net income for the year that is more than $ 43,953 but is less than $ 87,907.

Eligibility

The Canada Education Savings Grant is available until the end of the calendar year in which the child turns 17, as long as:

the child is a Canadian resident;
an RESP has been opened in their name; and
a request is made for the grant.

View · 发表于 2014-11-19 21:26

Canada Learning Bond (CLB)

Get up to $2,000 for your child's Registered Education Savings Plan (RESP)—without having to put in any of your own money!

The Canada Learning Bond offered by the Government of Canada helps parents get a head start in saving for their child's education after high school.

The money you get for your child could include:

$25 to help cover the cost of opening the RESP;
$500 to add to the RESP now, to help you start saving early; and
an extra $100 each year until the calendar year he or she turns 15.

Eligibility
The Canada Learning Bond is available to children who were born after December 31, 2003 and whose families receive the National Child Benefit Supplement. (The Supplement is over and above the Canada Child Tax Benefit and is usually received by lower-income families.)

If you are not sure whether you receive the National Child Benefit Supplement, consult your Canada Child Tax Benefit Notice of Determination. If you are the primary caregiver, you can also visit "My Account" - available through the Canada Revenue Agency Web site or by calling the Canada Revenue Agency at 1-800-959-8281.

The national child benefit supplement (NCBS) is intended for low-income families with children. Therefore, the maximum is paid only if family net income is less than $25,584. It is reduced by a percentage amount (which depends on the number of children) when family net income is more than $25,584. Families with three or less children and family net income between $25,584 and $43,000 will receive partial NCBS. Families with four or more children will still receive some NCBS if their family net income is less than $49,000.

Edmontonian18 · 发表于 2014-11-25 23:34

Good information, I appreciate that very much. Support this cause....

shelley.micheal · 发表于 2014-12-9 13:19

Good information, I appreciate that .

View · 发表于 2014-12-12 12:47

本帖最后由 View 于 2014-12-12 13:18 编辑

Maximum lifetime CESG : $7,200 per beneficiary
Maximum lifetime Alberta Centennial Education Savings Grant: $800 per beneficiary
Maximum lifetime Canada Learning: $2,000 per beneficiary

$500 ACES 不包括在$7200里.
只要是亚省居民,2005年之后出生的孩子都可以申请$500的ACES. 前提是要有RESP帐户.
或者2005年之后,孩子8岁,11岁,14岁,也可以申请$100的ACES.

http://www.esdc.gc.ca/assets/por ... ntennial_Form_c.pdf
申请表格如上,或者给我电话:587-985-8892.

更多信息:　http://hongjinginsurance.weebly.com/resp

View · 发表于 2014-12-12 13:33

RESP contributions cannot be deducted from your income. In addition, you cannot deduct the interest you paid on money you borrowed to contribute to an RESP。　

No minimum annual contribution

You will pay tax (1% per-month ) on RESP excess contributions.

For each beneficiary, the annual limit is:
　　　$2,000 for 1996;
　　　$4,000 for 1997 to 2006; and
　　　No limit for 2007 and subsequent years.
For each beneficiary, the lifetime limit is:
　　　$42,000 for 1996 through 2006; and
　　　$50,000 for 2007 and subsequent years.
No contributions (except transfers from another RESP) may be made to the plan at any time after the end of the year that includes the 31st anniversary of the opening of the plan.

Every child under age 18 who is a Canadian resident will accumulate $400 (for 1998 to 2006) and $500 (from 2007 and subsequent) of CESG contribution room.
Unused CESG contribution room is carried forward and used when RESP contributions are made in future years provided that the specific contribution requirements for beneficiaries who attain 16 or 17 years of age are met.
Beneficiaries qualify for a grant on the contributions made on their behalf up to the end of the calendar year in which they turn 17 years of age.

For example: If you start an account for your six-year-old child, you can contribute $2,500 (this year’s contribution room) plus another $2,500 (from previously unused contribution room) for a total of $5,000, to receive a grant of $1,000. You are allowed to contribute more than $5,000 in this scenario, but there will be no grant paid on the amount above $5,000. When calculating contribution room carryover from past years, don’t forget that the contribution limit was only $2,000 prior to 2007.

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[理财] Celebrate Education Savings Week from November 16-22, 2014!