# Canadian Personal Finance Blog: Paying it forward as best I can\. Time, the only financial variable you can’t control\.

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## Pages
- [RDSP \- The Registered Disability Savings Plan](https://www.canajunfinances.com/rdsp/)
- [Autism](https://www.canajunfinances.com/rdsp/rdsp-autism/)
- [Disability Tax Credit Related Topics](https://www.canajunfinances.com/rdsp/disability-tax-related-topics/)
- [Retirement](https://www.canajunfinances.com/retirement/)
- [About the BCM](https://www.canajunfinances.com/about-the-big-cajun-man/)

## Posts
- [Advice: Best Financial Advice Ever Given](https://www.canajunfinances.com/2006/03/30/advice-best-financial-advice-ever-given/): Some times the best financial advice is given in a riddle or a parable, like the story of the singing horses, which my Dad told me, while loaning me money
- [Disability Tax Credit: Please Do It Yourself](https://www.canajunfinances.com/2014/03/26/disability-tax-credit-please-do-it-yourself/): The Disability Tax Credit \(DTC\) is a valuable benefit offered by the CRA to help Canadians living with disabilities or supporting a disabled family member\. Unfortunately, some third\-party advisory firms have capitalized on this by charging exorbitant fees—often 20% to 30% of the full tax refund—to “assist” in the application process\. These services, while appearing helpful, can be predatory, especially when clients are vulnerable and unaware they can apply themselves\.

This article shares a first\-hand perspective on successfully applying for the Disability Tax Credit, emphasizing the increasing accessibility of doing so through CRA’s MyAccount and updated eligibility criteria that now include a wider range of medical practitioners\. It also highlights legal concerns, allegations of CRA audits, and the risk of having credits clawed back due to improperly filed claims\.

The takeaway: Do not use services that charge a percentage\-based fee\. Either handle the application yourself or consult a reputable accountant who charges a flat rate\. The article includes links to investigative reports from the Toronto Star and CBC to help readers make informed decisions and protect their refunds\.
- [Free Banking ?](https://www.canajunfinances.com/2007/07/06/free-banking/): Is it possible to get free banking from any of the big banks in Canada ? The answer may well surprise you \(but PC \& others offer it already\)\.
- [A Script for Customer Retention Deals](https://www.canajunfinances.com/2012/12/19/a-script-for-customer-retention-deals/): How do you get the best deals with your Internet, or Phone company? Get to the Customer Retention team, they have the best deals\.
- [RRSP: Tax\-Deferred Savings Plan](https://www.canajunfinances.com/2017/02/21/tax-deferral-savings-plan-your-rrsp/): Your RRSP is a tax\-deferred savings plan, you will eventually have to pay the CRA for your deposit, one way or another \(yes death \& taxes\)\. \#RRSP

## Optional
- [Sitemap index](https://www.canajunfinances.com/sitemap_index.xml)