Aijaz Rosemeyer

Also called as Multiple Ovulation and Embryo Transfer (MOET) Technology, is used to increase the reproduction rate of superior female dairy animals. Normally, one can get one calf from a superior female dairy animals in a year. But by using MOET technology, one can get 10-20 calves in a year from a cow/buffalo.

A spousal RRSP is a retirement savings account that is owned by one person (the annuitant or plan holder) but holds funds that are contributed by their spouse or common-law partner (the contributor).

Spousal RRSPs are particularly advantageous for couples where one partner is likely to be in a higher tax bracket than the other when they retire.

For example, let’s say one spouse is a high-income earner and contributes regularly to their RRSP, while the other is a stay-at-home parent. This could create a situation in which the first partner has a significant amount saved in their RRSP but pays a higher income tax rate, whereas the partner who stayed home might be at a lower tax rate, but have a limited amount in their RRSP.

With a spousal RRSP, the couple could contribute toward retirement savings in a more balanced manner. That could lead to lower combined taxes when they start withdrawing funds in their retirement years.

Most major financial institutions offer spousal RRSPs for couples.

Even though the contributor provides the funds, the annuitant owns the account and makes the investment decisions. They’re also the only person allowed to withdraw money from the account.

Contributions to a spousal RRSP count towards the contributor’s RRSP tax deduction limit, and don’t affect the annuitant’s deduction limit. Avoid over-contributing to your RRSPs or you’ll face penalties.

A personal RRSP and spousal RRSP are two different accounts. You can have both, whether you’re the contributor or the annuitant. For example, if you’re the higher-earning spouse, you can have your own personal RRSP and contribute to a spousal RRSP for your partner, who can also have their own separate personal RRSP. Your different RRSP accounts can even be at different financial institutions.

However, know you have only one pot of RRSP contribution room based on the income you earned in the previous year. You can allocate that contribution room however you’d like between the two accounts.

For example, if you have $10,000 of RRSP contribution room, you could contribute $5,000 to each plan or contribute different amounts, as long as they don’t add up to more than $10,000.

Spousal contribution limits are determined by the contributor’s overall limit. Opening a spousal RRSP does not give you additional contribution room.

RRSP contribution room is based on 18% of your previous year’s earned income, up to $29,210 for 2022. Any unused contribution room gets carried forward to future years.

A spousal RRSP must be converted to an registered retirement income fund, or RRIF, by Dec. 31 of the year the annuitant turns 71. The annuitant would then have to withdraw a minimum amount based on their age, which would be taxed at their marginal tax rate.

Early withdrawals from a spousal RRSP are allowed, but a three-year attribution rule applies. That means you have to wait the remainder of the calendar year plus two full years, without making any contributions, before withdrawing funds. If the annuitant withdraws funds before that time has passed, it will be taxed as part of the contributor’s income.

Let’s say you made a spousal RRSP contribution in November 2020. You’d have to wait until 2023 to make any withdrawals if you want the funds to be taxed in your spouse’s name. If you made any contributions in 2021 or 2022, the clock would reset and you’d start the three-year wait again.

Contributors are not required to claim their spouse’s withdrawals as income in the following situations:

Spousal RRSPs can be complicated. If you think one might be useful for you, it’s a good idea to speak with a financial professional who can explain how the benefits and drawbacks may apply to your situation.

Like any retirement savings strategy, contributing to a spousal RRSP comes with advantages and disadvantages.

The Microsoft Excel RTRIM function removes trailing spaces from a string. The RTRIM function is a built-in function in Excel that is categorized as a String/Text Function. It can be used as a VBA function (VBA) in Excel.

By V España-Romero · 2010 · Cited by 160 — The aim of this study was to determine the reliability, feasibility and safety of a health-related fitness test battery administered by Physical Education (PE)

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How many dekaliters in . We assume you are converting between dekalitre and milliliter. You can view more details on each

Here you will find all the details, explanations and user manuals to report criminal and juvenile justice information to DPS for inclusion

• Create a web service (of course).
• Create a sun-jaxws. xml, defines web service implementation class.
• Create a standard web.
• Build tool to generate WAR file.
• Copy JAX-WS dependencies to “${Tomcat}/lib” folder.
• Copy WAR to “${Tomcat}/webapp” folder.
• Start It.

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I'm always up for making a beautiful cake! Our challenge this month was to make the “Perfect Party Cake” Courtesy of Dorie Greenspan's Baking from My Home .

• Open the VSTS project and select the Code menu. Ensure the master branch is selected.
• Click Create a Pull Request.
• Click Create.
• Click Approve.
• Click Complete.
• The specific changes have been merged into the master branch.