今天去买RESP，忘了问政府给那个1200刀的福利

[FCWR2014]

听说有RESP帐户就给，还需要申请吗？

 

[FCWR2014]

听说有RESP帐户就给，还需要申请吗？

 

[FCWR2014]

听说有RESP帐户就给，还需要申请吗？

 

[FCWR2014]

听说有RESP帐户就给，还需要申请吗？

 

[FCWR2014]

怎么会一下子出来四个帖子？

 

[FCWR2014]

怎么会一下子出来四个帖子？

 

[FCWR2014]

怎么会一下子出来四个帖子？

 

[nickelnaire]

听说有RESP帐户就给，还需要申请吗？

开这个账户时不是要提供孩子信息的嘛，不用额外再申请了。该给多少钱，政府算得很清楚，大概一个多月后你在账户里面能看到。

不是一年供款2500，补贴20%即500元嘛。如果以前没有买，可以倒回去多买一年，供款5000，补贴1000元。当然也可以更多的供款，只是没有政府补贴了。

 

[FCWR2014]

开这个账户时不是要提供孩子信息的嘛，不用额外再申请了。该给多少钱，政府算得很清楚，大概一个多月后你在账户里面能看到。

不是一年供款2500，补贴20%即500元嘛。如果以前没有买，可以倒回去多买一年，供款5000，补贴1000元。当然也可以更多的供款，只是没有政府补贴了。

好像今年有额外的1200元，中文台还有广告，我忘了叫什么名字了。

 

[joesir]

上面两位都是一年2500吗？我听说这个数最合理，但一直没求甚解了解原因，不过一直也是按这个数供款的。

 

[家园小千]

开这个账户时不是要提供孩子信息的嘛，不用额外再申请了。该给多少钱，政府算得很清楚，大概一个多月后你在账户里面能看到。

不是一年供款2500，补贴20%即500元嘛。如果以前没有买，可以倒回去多买一年，供款5000，补贴1000元。当然也可以更多的供款，只是没有政府补贴了。

您的财经方面的回答总是让人受益匪浅，期待您的知识和经历能帮助更多的新移民，其实有些知识来了好几年的也不一定知道。

 

[徽州女人]

听说有RESP帐户就给，还需要申请吗？

好像今年有额外的1200元，中文台还有广告，我忘了叫什么名字了。

本来都不想打字的，太累。但看见没人正确回答你这个问题而我又了解，乐于助人的本性又爆棚了。给你个链接，那上面写的很清楚了。这个1200块的补助只有bc省2007年后出生的小孩才有，是需要自己填表申请的，还得提供有居住地址的身份证明，如驾照之类的信息，证明你是bc省居民，才有资格得到。如果你有resp的银行账户，可以预约银行职员帮你申请。我的1200块已经进帐了。这笔钱跟resp政府的20%补贴无关。http://www2.gov.bc.ca/gov/content/e...pport/bc-training-and-education-savings-grant

 

[diterclluf]

本来都不想打字的，太累。但看见没人正确回答你这个问题而我又了解，乐于助人的本性又爆棚了。给你个链接，那上面写的很清楚了。这个1200块的补助只有bc省2007年后出生的小孩才有，是需要自己填表申请的，还得提供有居住地址的身份证明，如驾照之类的信息，证明你是bc省居民，才有资格得到。如果你有resp的银行账户，可以预约银行职员帮你申请。我的1200块已经进帐了。这笔钱跟resp政府的20%补贴无关。http://www2.gov.bc.ca/gov/content/e...pport/bc-training-and-education-savings-grant

还真不知道呢，谢谢啊

 

[家园小千]

开这个账户时不是要提供孩子信息的嘛，不用额外再申请了。该给多少钱，政府算得很清楚，大概一个多月后你在账户里面能看到。

不是一年供款2500，补贴20%即500元嘛。如果以前没有买，可以倒回去多买一年，供款5000，补贴1000元。当然也可以更多的供款，只是没有政府补贴了。

请教一下一年有信用卡返现2000刀，是否要税务申报？多谢！

 

[nickelnaire]

请教一下一年有信用卡返现2000刀，是否要税务申报？多谢！

我也有信用卡，Costco的返现，我没报税，我视为“gift”，不知道理解对不对。我不懂，自己的报税都是交给会计师去做的

 

[温哥华家庭旅馆之星]

怎么会一下子出来四个帖子？

更重要的事说四遍

 

[unicat]

本来都不想打字的，太累。但看见没人正确回答你这个问题而我又了解，乐于助人的本性又爆棚了。给你个链接，那上面写的很清楚了。这个1200块的补助只有bc省2007年后出生的小孩才有，是需要自己填表申请的，还得提供有居住地址的身份证明，如驾照之类的信息，证明你是bc省居民，才有资格得到。如果你有resp的银行账户，可以预约银行职员帮你申请。我的1200块已经进帐了。这笔钱跟resp政府的20%补贴无关。http://www2.gov.bc.ca/gov/content/e...pport/bc-training-and-education-savings-grant

刚知道，谢谢指点。

 

[FCWR2014]

本来都不想打字的，太累。但看见没人正确回答你这个问题而我又了解，乐于助人的本性又爆棚了。给你个链接，那上面写的很清楚了。这个1200块的补助只有bc省2007年后出生的小孩才有，是需要自己填表申请的，还得提供有居住地址的身份证明，如驾照之类的信息，证明你是bc省居民，才有资格得到。如果你有resp的银行账户，可以预约银行职员帮你申请。我的1200块已经进帐了。这笔钱跟resp政府的20%补贴无关。http://www2.gov.bc.ca/gov/content/e...pport/bc-training-and-education-savings-grant

多谢你啊！

http://www2.gov.bc.ca/gov/content/e...pport/bc-training-and-education-savings-grant

British Columbia Training and Education Savings Grant
Families in British Columbia are encouraged to start planning and saving early for their children’s post-secondary education or training programs. To help, the B.C. Government will contribute $1,200 to eligible children through the B.C. Training and Education Savings Grant (BCTESG).

To be eligible for the $1,200 available via the B.C. Training and Education Savings Grant the following criteria must be met:

1. The child was born in 2007 or later
2. You and the child must be residents of British Columbia
3. The child is the beneficiary of a Registered Education Savings Plan (RESP) with a participating financial institution

Contact your financial institution to see if they are offering the B.C. Training and Education Savings Grant as of August 2015, and if so, when their application forms will be available. More financial institutions will be offering the grant in the months to come.

Age of child when you apply

The earliest you can request the grant is when your child turns six. After that, you may apply any day before their ninth birthday.

Since this is a new program: if your child had their 6th birthday in 2013, 2014 or 2015, you have an extension until August 14, 2018 or the day before their ninth birthday, whichever is later to get the grant.

B.C. Training and Education Savings Grant (BCTESG)
Application period for eligible children
Birth Year 1st day of eligibility 1st day to apply Last day to apply
2007 Child’s 6th birthday in 2013 August 15, 2015 August 14, 2018
2008 Child’s 6th birthday in 2014 August 15, 2015 August 14, 2018
2009 Child’s 6th birthday from January 1, 2015 to August 15, 2015 August 15, 2015 August 14, 2018
Child’s 6th birthday after August 15, 2015 Day the child turns 6 Day before the child turns 9
2010
or later Day the child turns 6 Day before the child turns 9
For information on how to open a RESP, contact your financial institution or visit www.canlearn.ca.

• telephone: 1-800-0-Canada (1-800-622-6232)
• email: cesp-pcee@hrsdc-rhdcc.gc.ca

Step one: The child is a beneficiary of a RESP
If the child has already been named to a RESP, make sure the RESP provider offers the grant. If not, you may open another RESP at a participating provider in order to receive the $1,200 B.C. Training and Education Savings Grant.

If the child has not yet been named to a RESP, choose the RESP provider that best suits your needs and ask if they offer RESPs with the option for the B.C. Training and Education Savings Grant.

To be eligible to receive the B.C. Training and Education Savings Grant, the RESP must be an individual (non-family) plan or a family plan in which all beneficiaries are siblings.

Step two: Fill out the B.C. Training and Education Savings Grant application at a participating financial institution
Required documents to prove B.C. residency:

• If this is a new RESP the parent/guardian and the child must have Social Insurance Numbers and one of the following:
  • A valid British Columbia driver’s license;
  • A British Columbia Identification Card (BCID card) with a picture;
  • A British Columbia Services Card (new BC CareCard and driver’s license will be fully implemented in 2018);
  • A British Columbia utilities bill (dated within the last 3 months and listing the current address of the custodial parent or the legal guardian). A utilities bill can be any one of: electricity, gas, phone, cable, water or garbage bills.

General Information
The British Columbia Training and Education Savings Program Regulation establishes eligibility criteria for the grant under the Special Accounts Appropriation and Control Act.

If approved, the $1,200 grant will be deposited directly into the RESP once the application has been processed by Employment and Social Development Canada.

The money will arrive within about six to eight weeks after the application is made.

Each eligible child may get one grant of $1,200.

Please note that transferring the B.C. Training and Education Savings Grant from a RESP held at a participating financial institution to a non-participating financial institution may result in a loss of the grant.

Explore your options
You should shop around to find a RESP provider that does not require any contributions to open the RESP. Make sure the RESP you are opening qualifies for the B.C. Training and Education Savings Grant.

About RESPs and the Canada Education Savings Programs
RESPs are special education savings accounts registered with the Government of Canada to help you save for your child’s post-secondary education or training program. The money deposited in it grows tax-free until withdrawn.

RESPs can be left opened for up to 36 years and can be used by beneficiaries to pay for full-time or part-time studies in a qualifying college, university, trade school, or apprenticeship programs.

The Government of Canada’s www.canlearn.ca website has tips and resources that can guide families in choosing the right RESP and the right RESP provider.

Many RESP promoters do not charge any fees or require any minimum deposits, but it depends on the institution and the type of RESP.

Restrictions and Conditions
The grant must be used for post-secondary education or training purposes. Once the beneficiary is enrolled in full-time or part-time studies at a qualifying post-secondary educational program, the B.C Training and Education Savings Grant is withdrawn from the RESP by the way of Education Assistance Payment.

For more information, visit the Canada Revenue Agency website: http://www.cra-arc.gc.ca/

The grant can be used at any qualifying post-secondary education or training program in Canada or outside Canada.

In the event that the RESP is closed or the beneficiary chooses not to pursue a post-secondary education or training program, the B.C Training and Education Savings Grant will be returned to the Province of British Columbia.

Taxation

The B.C. Training and Education Savings Grant is not considered as taxable income until it is taken from the RESP in an Educational Assistance Payment for post-secondary education. Once deposited into the RESP, it also grows tax-free.

However, money paid out of the RESP as an Educational Assistance Payment is taxed as income in the hands of the student. Since many students have little or no income while they attend post-secondary education, they can usually withdraw the money tax-free.

For more information on the B.C. Training and Education Savings Grant:

Employment and Social Development Canada
Canada Education Savings Program
Programme canadien pour l’épargne-études
Toll-Free Call center 1 888 276-3624
TTY Call Center 1 866 260-7723
Email: CESP-PCEE@hrsdc-rhdcc.gc.ca