Guides & articles in English
Quebec Mortgage Payment: The Calculation Your Bank Doesn't Show You
Semi-annual compounding, CMHC premium, 9.975% QST in cash: here's how your Quebec mortgage payment is really calculated — with a full worked example on $500,000.
EducationR score and medicine: reading thresholds without false promises
The figures often cited for Laval, Montréal, McGill and Sherbrooke, their limits and three useful strategies.
EducationR score formula: from the Z score to the final result
A step-by-step reading of the Z score, group strength, group dispersion and common simulator mistakes.
WorkPay in Québec: understanding deductions in the right order
QPP, QPIP, Employment Insurance, federal and Québec tax: what each line really means.
Self-employment13 self-employed expenses to classify correctly
Advertising, meals, home office, vehicle and CCA: Québec examples to better organize your receipts.
Self-employmentBusiness meals: understanding the 50% limit
What the limit covers, why a solo lunch is often worth 0% and how to document a genuine client meal.
Sales taxesGST and QST: charging, calculating and checking an invoice
The Québec rates, registration around the small supplier threshold and the reverse calculation explained.
HousingRent increases and the TAL: building a credible scenario
The 2026 base, the components of a calculation and the deadlines to check before responding.
Income taxRRSP or FHSA: choosing by project and income
Two deductions, different rules and a method to compare the immediate saving with the real goal.