Canadian Personal Finance Blog

I really have a bone to pick with my employer. I realize that they don’t legally have to get me my T4 (receipt of employment income) before February “the last” (i.e. the last day of February), but it would be nice to have it before then, so I might be able to top up my RRSPs or whatever if I felt like it (I don’t, but that is not the point). I realize my employer is very busy, and I am grateful of their timely payments of my pay cheque, but I really would like to have a T4 some time real soon (like yesterday)!

This happens every year, where I have all of my receipts by the middle of February but I cannot file my return (or my wife’s return) until I get my T4. I can usually estimate on the basis of my final pay cheque, but inevitably, I miss some benefit that kills the HUGE tax refund I am expecting. Let’s hope it shows up in my mail box some time soon?

No, I don’t think that really, but it does make for a catchy headline doesn’t it? I read somewhere you need a real catchy headline to capture the reader’s interest, and then really grab them with the first paragraph. OK, so 1 out of 2 isn’t bad on this story.

Our amigos at Stats Canada are saying that Canadian Labour “Quality” declined last year. Out of most of the stats, I did find one very useful question that is asked:

The major question at the moment is not whether a slowdown in output relative to employment is occurring, but whether this slowdown is transitory due to temporary factors (related to events such as weather, other production disruptions, or the sudden shift of resources to new industries and regions), or represents the beginning of a longer-term slump in productivity due to labour shortages, an ageing labour force or structural changes in the economy.

That’s a really good question, and I really don’t have an answer, but again it’s one of those questions to remember and ask yourself the next time you see data in this type of area. I find a lot of the data from Stats Canada causes me to ask more questions rather than answer the questions I already have, but that is ok by me. The more questions you ask, the more you might learn.

So far in the roll up the rim world, I am up 2 free coffees, but they now make you fill in a form for each of your free coffees? WTF? I think Tim Horton’s had a brain fart on that one!

The Free Geek has an interesting article about 12 Little Known Facts Cardholders (in the U.S.) should Know , worth a read just to get more questions in your mind.