{"id":2859,"date":"2023-10-07T08:50:00","date_gmt":"2023-10-07T03:50:00","guid":{"rendered":"https:\/\/101insurance.ca\/?p=2859"},"modified":"2025-03-27T17:03:26","modified_gmt":"2025-03-27T12:03:26","slug":"tai-khoan-tiet-kiem-giao-duc-resp-phan-1","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-1\/","title":{"rendered":"T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m gi\u00e1o d\u1ee5c (RESP) – Ph\u1ea7n 1: RESP l\u00e0 g\u00ec? C\u00e1c ph\u00fac l\u1ee3i d\u00e0nh cho t\u00e0i kho\u1ea3n RESP?"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

T\u1ea1m th\u1eddi g\u00e1c qua c\u00e1c b\u00e0i vi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m, m\u00ecnh quay tr\u1edf l\u1ea1i v\u1edbi ch\u1ee7 \u0111\u1ec1 C\u00e1c ph\u00fac l\u1ee3i t\u1ea1i Canada. Ch\u1ee7 \u0111\u1ec1 v\u1ec1 RESP m\u00ecnh \u0111\u00e3 c\u00f3 \u00fd \u0111\u1ecbnh vi\u1ebft l\u00e2u r\u1ed3i, nh\u01b0ng v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 kh\u00e1 r\u1ed9ng v\u00e0 c\u00f3 nhi\u1ec1u th\u1ee9 \u0111\u1ec3 \u0111\u00e0o s\u00e2u, n\u00ean m\u00ecnh c\u1ea7n r\u1ea5t nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 vi\u1ebft 1 b\u00e0i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. Do v\u1eady, m\u00ecnh xin b\u00e1o tr\u01b0\u1edbc l\u00e0 b\u00e0i vi\u1ebft n\u00e0y s\u1ebd kh\u00e1 d\u00e0i, v\u00e0 c\u00f3 th\u1ec3 m\u00ecnh s\u1ebd chia ra l\u00e0m 2-3 b\u00e0i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. M\u1eb7c d\u00f9 tr\u00ean m\u1ea1ng c\u0169ng c\u00f3 1 v\u00e0i b\u00e0i vi\u1ebft n\u00f3i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y r\u1ed3i, nh\u01b0ng kh\u00f4ng \u0111\u00e0o s\u00e2u chi ti\u1ebft, n\u00ean m\u00ecnh hi v\u1ecdng s\u1ebd c\u00f3 th\u1ec3 d\u00e0nh th\u1eddi gian \u0111\u1ec3 vi\u1ebft m\u1ed9t chu\u1ed7i b\u00e0i vi\u1ebft th\u1eadt chi ti\u1ebft v\u1ec1 RESP.<\/p>\n\n\n\n

1. RESP l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n

RESP – Registered Education Savings Plan<\/strong> l\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n <\/strong>nh\u1eb1m m\u1ee5c \u0111\u00edch gi\u00fap ng\u01b0\u1eddi nu\u00f4i d\u01b0\u1ee1ng\/ch\u0103m s\u00f3c tr\u1ebb ti\u1ebft ki\u1ec7m cho vi\u1ec7c h\u1ecdc c\u1ee7a tr\u1ebb \u1edf b\u1eadc sau trung h\u1ecdc (post-secondary) t\u1ea1i c\u00e1c tr\u01b0\u1eddng d\u1ea1y ngh\u1ec1, cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc, v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh th\u1ef1c t\u1eadp ngh\u1ec1. Tuy nhi\u00ean, m\u1ed9t ng\u01b0\u1eddi l\u1edbn v\u1eabn c\u00f3 th\u1ec3 m\u1edf RESP cho ch\u00ednh m\u00ecnh nh\u00e9! <\/strong>\u1ede b\u00e0i vi\u1ebft sau m\u00ecnh s\u1ebd n\u00f3i v\u1ec1 m\u1ed9t s\u1ed1 l\u1ee3i \u00edch m\u1edf RESP cho ng\u01b0\u1eddi l\u1edbn.<\/p>\n\n\n\n

Khi m\u1edf RESP, b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u1edf RESP cho b\u1ea1n n\u1ed9p \u0111\u01a1n xin c\u00e1c ph\u00fac l\u1ee3i nh\u01b0: Tr\u00e1i phi\u1ebfu H\u1ecdc t\u1eadp Canada – Canada Learning Bond (CLB)<\/strong> v\u00e0 Tr\u1ee3 c\u1ea5p Ti\u1ebft ki\u1ec7m Gi\u00e1o d\u1ee5c Canada – Canada Education Savings Grant (CESG)<\/strong>. N\u1ebfu tr\u1ebb \u0111\u1ea1t \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, nh\u1eefng ph\u00fac l\u1ee3i n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n th\u1eb3ng v\u00e0o RESP \u0111\u1ec3 gi\u00fap tr\u1ebb trang tr\u1ea3i c\u00e1c chi ph\u00ed kh\u00e1c trong vi\u1ec7c h\u1ecdc. M\u1ed9t s\u1ed1 chi ph\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n bao g\u1ed3m: h\u1ecdc ph\u00ed, s\u00e1ch v\u1edf, d\u1ee5ng c\u1ee5 h\u1ecdc t\u1eadp, ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i v\u00e0 ti\u1ec1n thu\u00ea nh\u00e0.<\/p>\n\n\n\n

Ng\u01b0\u1eddi l\u1edbn sinh t\u1eeb n\u0103m 2004 tr\u1edf \u0111i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn CLB cho RESP c\u1ee7a ch\u00ednh m\u00ecnh cho t\u1edbi tu\u1ed5i 21.<\/p>\n\n\n\n

2. C\u00e1c ph\u00fac l\u1ee3i d\u00e0nh cho t\u00e0i kho\u1ea3n RESP<\/strong><\/h2>\n\n\n\n

Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng RESP (beneficiary) \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng CLB v\u00e0 CESG tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n RESP. Ri\u00eang BC v\u00e0 Qu\u00e9bec s\u1ebd c\u00f3 th\u1ec3 ph\u00fac l\u1ee3i ri\u00eang c\u1ee7a t\u1ec9nh cho v\u00e0o t\u00e0i kho\u1ea3n n\u00e0y.<\/p>\n\n\n\n

a. Canada Learning Bond (CLB)<\/strong><\/h3>\n\n\n\n
    \n

  • \u0110i\u1ec1u ki\u1ec7n:<\/strong><\/h4>

    ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ph\u1ea3i<\/p><\/li>\n<\/ul>\n\n\n\n

    – l\u00e0 ng\u01b0\u1eddi \u0111ang sinh s\u1ed1ng (resident) \u1edf Canada<\/p>\n\n\n\n

    – c\u00f3 s\u1ed1 SIN (s\u1ed1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i)<\/p>\n\n\n\n

    – \u0111\u1ee9ng t\u00ean l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP<\/p>\n\n\n\n

    – sinh v\u00e0o ho\u1eb7c sau ng\u00e0y 1\/1\/2004<\/p>\n\n\n\n

    – \u1edf trong gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p. \u0110\u1ecbnh m\u1ee9c v\u1ec1 gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p – low income c\u00f3 thay \u0111\u1ed5i theo t\u1eebng n\u0103m. T\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y th\u00ec gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p l\u00e0 b\u1eb1ng\/d\u01b0\u1edbi $50,197 cho gia \u0111\u00ecnh c\u00f3 t\u1eeb 1-3 con.<\/p>\n\n\n\n

    Ngo\u00e0i ra, ng\u01b0\u1eddi ch\u0103m s\u00f3c (primary caregiver) c\u1ee7a tr\u1ebb c\u0169ng ph\u1ea3i th\u1ecfa \u0111i\u1ec1u ki\u1ec7n:<\/p>\n\n\n\n

    – \u0111\u00e3 khai thu\u1ebf cho nh\u1eefng n\u0103m m\u00e0 h\u1ecd y\u00eau c\u1ea7u xin CLB<\/p>\n\n\n\n

    – \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn tr\u1ee3 c\u1ea5p CCB (Canada Child Benefit) => N\u1ebfu ai ch\u01b0a r\u00f5 v\u1ec1 CCB th\u00ec xem b\u00e0i vi\u1ebft tr\u01b0\u1edbc c\u1ee7a m\u00ecnh v\u1ec1 CCB nh\u00e9.<\/p>\n\n\n\n

      \n

    • S\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau?<\/strong><\/h4><\/li>\n<\/ul>\n\n\n\n

      Ch\u00ednh s\u00e1ch c\u1ee7a CLB v\u00e0o th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y l\u00e0 $500 cho n\u0103m \u0111\u1ea7u ti\u00ean v\u00e0 $100 cho m\u1ed7i n\u0103m ti\u1ebfp theo, <\/strong>cho t\u1edbi khi tr\u1ebb \u0111\u1ee7 15 tu\u1ed5i (n\u1ebfu gia \u0111\u00ecnh b\u1ea1n v\u1eabn th\u1ecfa \u0111i\u1ec1u ki\u1ec7n thu nh\u1eadp th\u1ea5p trong nh\u1eefng n\u0103m \u0111\u00f3). S\u1ed1 ti\u1ec1n t\u1ed1i \u0111a \u0111\u01b0\u1ee3c nh\u1eadn t\u1eeb CLB l\u00e0 $2,000 trong su\u1ed1t cu\u1ed9c \u0111\u1eddi c\u1ee7a tr\u1ebb.<\/p>\n\n\n\n

      \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi l\u1edbn sinh t\u1eeb n\u0103m 2004 tr\u1edf \u0111i, <\/strong>h\u1ecd v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn CLB t\u1edbi ng\u00e0y h\u1ecd \u0111\u1ee7 21 tu\u1ed5i b\u1eb1ng c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n RESP cho ch\u00ednh h\u1ecd.<\/p>\n\n\n\n

        \n

      • L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 apply CLB?<\/strong><\/h4><\/li>\n<\/ul>\n\n\n\n

        Vi\u1ec7c m\u1edf CLB v\u00f4 c\u00f9ng \u0111\u01a1n gi\u1ea3n. B\u1ea1n ch\u1ec9 c\u1ea7n li\u00ean h\u1ec7 t\u1ed5 ch\u1ee9c m\u1edf RESP cho b\u1ea1n, h\u1ecd s\u1ebd gi\u00fap b\u1ea1n \u0111i\u1ec1n c\u00e1c gi\u1ea5y t\u1edd \u0111\u1ec3 apply (m\u1ea5t kho\u1ea3ng 1-2 tu\u1ea7n) v\u00e0 ch\u1edd nh\u1eadn CLB tr\u1ef1c ti\u1ebfp v\u00e0o RESP trong kho\u1ea3ng 2 th\u00e1ng. Theo kinh nghi\u1ec7m c\u1ee7a m\u00ecnh th\u00ec h\u1ecd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng apply xin CLB, n\u00ean v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1ea1n nh\u1edb h\u1ecfi h\u1ecd nh\u00e9.<\/p>\n\n\n\n

        \"\"\/
        Ngu\u1ed3n: MySmartFuture<\/figcaption><\/figure>\n\n\n\n
          \n
        • Nh\u1eefng l\u01b0u \u00fd kh\u00e1c:<\/li>\n<\/ul>\n\n\n\n

          – N\u1ebfu gia \u0111\u00ecnh b\u1ea1n th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u1eadn CLB, th\u00ec l\u01b0u \u00fd l\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i b\u1eaft bu\u1ed9c \u0111\u00f3ng ti\u1ec1n v\u00e0o RESP <\/strong>m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn kho\u1ea3n ti\u1ec1n n\u00e0y. V\u00ed d\u1ee5, b\u1ea1n c\u00f3 th\u1ec3 ra bank m\u1edf 1 c\u00e1i t\u00e0i kho\u1ea3n RESP, d\u00f9 t\u00e0i kho\u1ea3n n\u00e0y $0, b\u1ea1n v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n CLB t\u1eeb nh\u00e0 n\u01b0\u1edbc chuy\u1ec3n v\u00e0o \u0111\u00f3 m\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u00f3ng ti\u1ec1n th\u00eam n\u1ebfu b\u1ea1n kh\u00f4ng mu\u1ed1n.<\/p>\n\n\n\n

          – CLB c\u00f3 th\u1ec3 xin ng\u01b0\u1ee3c tr\u1edf l\u1ea1i cho th\u1eddi gian tr\u01b0\u1edbc \u0111\u00f3 (g\u1ecdi l\u00e0 retroactive<\/strong>). V\u00ed d\u1ee5 nh\u1eefng n\u0103m tr\u01b0\u1edbc b\u1ea1n c\u00f3 th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u01b0ng b\u1ea1n kh\u00f4ng h\u1ec1 bi\u1ebft v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 m\u1edf RESP v\u00e0o l\u00fac n\u00e0y v\u00e0 apply xin b\u00f9 l\u1ea1i cho nh\u1eefng n\u0103m \u0111\u00f3. Tuy nhi\u00ean, vi\u1ec7c xin l\u1ea1i CLB retroactive ph\u1ea3i di\u1ec5n ra tr\u01b0\u1edbc khi tr\u1ebb 21 tu\u1ed5i.<\/p>\n\n\n\n

          b. Canada Education Savings Grant (CESG)<\/strong><\/h3>\n\n\n\n
            \n

          • \u0110i\u1ec1u ki\u1ec7n: <\/strong><\/h4>

            ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ph\u1ea3i<\/p><\/li>\n<\/ul>\n\n\n\n

            – l\u00e0 ng\u01b0\u1eddi \u0111ang sinh s\u1ed1ng (resident) \u1edf Canada<\/p>\n\n\n\n

            – c\u00f3 s\u1ed1 SIN (s\u1ed1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i)<\/p>\n\n\n\n

            – \u0111\u1ee9ng t\u00ean l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP<\/p>\n\n\n\n

            – d\u01b0\u1edbi 17 tu\u1ed5i<\/p>\n\n\n\n

            Ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean t\u00e0i kho\u1ea3n RESP (ba\/m\u1eb9) ph\u1ea3i \u0111\u00f3ng ti\u1ec1n v\u00e0o RESP. <\/strong>Th\u1eddi gian khi n\u00f3i v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a CESG l\u00e0 t\u00ednh theo d\u01b0\u01a1ng l\u1ecbch th\u00f4ng th\u01b0\u1eddng (calendar year).<\/p>\n\n\n\n

            – V\u1edbi tr\u1ebb th\u1ee5 h\u01b0\u1edfng 16 & 17 tu\u1ed5i s\u1ebd ph\u1ea3i c\u1ea7n th\u1ecfa th\u00eam 1 trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m tr\u1ebb \u0111\u1ea1t \u0111\u1ee7 15 tu\u1ed5i:<\/p>\n\n\n\n

            + \u0111\u00e3 \u0111\u00f3ng t\u1ed5ng c\u1ed9ng \u00edt nh\u1ea5t $2,000 v\u00e0o t\u00e0i kho\u1ea3n RESP (v\u00e0 ch\u01b0a b\u1ecb r\u00fat ra), ho\u1eb7c<\/p>\n\n\n\n

            + \u0111\u00e3 \u0111\u00f3ng \u00edt nh\u1ea5t $100\/n\u0103m v\u00e0o RESP cho m\u1ed9t n\u0103m b\u1ea5t k\u1ef3 trong 4 n\u0103m tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n\n\n\n

              \n

            • S\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c l\u00e0 bao nhi\u00eau?<\/strong><\/h4><\/li>\n<\/ul>\n\n\n\n

              – Ph\u1ea7n c\u01a1 b\u1ea3n (Basic CESG): <\/strong>b\u1eb1ng 20% s\u1ed1 ti\u1ec1n \u0111\u00f3ng v\u00e0o RESP, v\u1edbi t\u1ed1i \u0111a l\u00e0 $500\/n\u0103m\/tr\u1ebb (t\u1ed1i \u0111a $1,000 n\u1ebfu c\u00f3 ph\u1ea7n ch\u01b0a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u1edf n\u0103m tr\u01b0\u1edbc \u0111\u00f3) v\u00e0 t\u1ed1i \u0111a $7,200 trong su\u1ed1t cu\u1ed9c \u0111\u1eddi tr\u1ebb.<\/p>\n\n\n\n

              – Ph\u1ea7n c\u1ed9ng th\u00eam (Additional CESG):<\/strong> Ph\u1ea7n c\u1ed9ng th\u00eam n\u00e0y s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o thu nh\u1eadp c\u1ee7a h\u1ed9 gia \u0111\u00ecnh, c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo thu nh\u1eadp n\u00e0y m\u1ed7i n\u0103m.<\/p>\n\n\n\n

              – B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y t\u00f3m t\u1eaft l\u1ea1i cho d\u1ec5 hi\u1ec3u ph\u1ea7n n\u00e0y:<\/p>\n\n\n\n

              \"\"\/
              * Adjusted income l\u00e0 Line 23600 trong b\u1ea3ng Notice of Assesment (NOA) khai thu\u1ebf h\u00e0ng n\u0103m.<\/figcaption><\/figure>\n\n\n\n

              – S\u1ed1 ti\u1ec1n CESG ch\u01b0a \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u1eabn \u0111\u01b0\u1ee3c l\u01b0u \u0111\u1ec3 s\u1eed d\u1ee5ng cho nh\u1eefng n\u0103m sau <\/strong>(g\u1ecdi l\u00e0 carry forward) tr\u01b0\u1edbc khi tr\u1ebb 17 tu\u1ed5i.<\/p>\n\n\n\n

              Nh\u01b0 v\u1eady, \u0111\u1ec3 cho d\u1ec5 hi\u1ec3u x\u00edu m\u00ecnh s\u1ebd n\u00eau ra v\u00e0i v\u00ed d\u1ee5:<\/p>\n\n\n\n

              a. Thu nh\u1eadp gia \u0111\u00ecnh d\u01b0\u1edbi $50,197, v\u00e0 b\u1ea1n \u0111\u00f3ng v\u00e0o RESP $2,500, CESG \u0111\u01b0\u1ee3c nh\u1eadn s\u1ebd l\u00e0 $600.<\/p>\n\n\n\n

              b. Thu nh\u1eadp gia \u0111\u00ecnh d\u01b0\u1edbi $50,197, v\u00e0 b\u1ea1n \u0111\u00f3ng v\u00e0o RESP $2,000, CESG \u0111\u01b0\u1ee3c nh\u1eadn l\u00e0 $500 ($400= 20% c\u1ee7a $2,000 v\u00e0 $100 tr\u00ean $500 \u0111\u1ea7u ti\u00ean).<\/p>\n\n\n\n

              c. Thu nh\u1eadp gia \u0111\u00ecnh d\u01b0\u1edbi $50,197, v\u00e0 b\u1ea1n \u0111\u00f3ng v\u00e0o RESP $5,000, n\u0103m tr\u01b0\u1edbc \u0111\u00f3 b\u1ea1n kh\u00f4ng \u0111\u00f3ng \u0111\u1ed3ng n\u00e0o (gi\u1ea3 s\u1eed l\u00e0 th\u1ecfa \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn CESG), CESG \u0111\u01b0\u1ee3c nh\u1eadn l\u00e0 $1,000 ($600 c\u1ee7a n\u0103m nay l\u00e0 $400 c\u1ee7a n\u0103m tr\u01b0\u1edbc). N\u1ebfu gi\u1ea3 s\u1eed n\u0103m tr\u01b0\u1edbc \u0111\u00f3 b\u1ea1n \u0111\u00f3ng $2,500, th\u00ec CESG b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn l\u00e0 $600. Tuy nhi\u00ean, s\u1ed1 ti\u1ec1n CESG nh\u1eadn max 1 n\u0103m b\u1ecb gi\u1edbi h\u1ea1n l\u00e0 $1,000\/n\u0103m, n\u00ean b\u1ea1n s\u1ebd b\u1ecb m\u1ea5t $200 n\u00e0y \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Tuy nhi\u00ean, sau n\u00e0y c\u00f3 th\u1ec3 catch up sau v\u1eabn \u0111\u01b0\u1ee3c, nh\u01b0ng kh\u00f4ng th\u1ec3 \u0111\u1ec3 tr\u1ec5 qu\u00e1.<\/p>\n\n\n\n

              V\u1eady n\u00ean, c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 th\u1ea5y l\u00e0 vi\u1ec7c \u0111\u00f3ng RESP c\u00e0ng s\u1edbm s\u1ebd c\u00e0ng c\u00f3 l\u1ee3i. V\u1edbi m\u1ee9c t\u1ed1i \u0111a CESG $7,200 cho c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a 1 tr\u1ebb + m\u1ee9c t\u1ed1i \u0111a kho\u1ea3ng $500\/n\u0103m, th\u00ec tr\u1ec5 nh\u1ea5t c\u00e1c b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u m\u1edf RESP cho b\u00e9 \u0111\u1ec3 thu l\u1ee3i t\u1ed1i \u0111a \u0111\u01b0\u1ee3c t\u1eeb CESG l\u00e0 khi b\u00e9 kho\u1ea3ng 3 tu\u1ed5i. Tuy nhi\u00ean, v\u00ec kh\u00f4ng ch\u1eafc c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 xoay s\u1edf \u0111\u1ec3 \u0111\u00f3ng $2,500 cho b\u00e9\/n\u0103m, th\u00ec b\u1ea1n n\u00ean m\u1edf RESP s\u1edbm h\u01a1n n\u1eefa \u0111\u1ec3 l\u1ee1 khi kh\u00f4ng t\u1ed1i \u0111a \u0111\u01b0\u1ee3c th\u00ec m\u00ecnh s\u1ebd c\u00f3 th\u1ec3 catch up sau.<\/p>\n\n\n\n

                \n

              • L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 apply CESG?<\/strong><\/h4><\/li>\n<\/ul>\n\n\n\n

                L\u00fac b\u1ea1n m\u1edf t\u00e0i kho\u1ea3n RESP th\u00ec b\u00ean t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh h\u1ecd s\u1ebd \u0111\u01b0a b\u1ea1n gi\u1ea5y t\u1edd \u0111\u1ec3 \u0111i\u1ec1n th\u00f4ng tin h\u1ebft. N\u00ean v\u1ec1 c\u0103n b\u1ea3n l\u00e0 b\u1ea1n kh\u00f4ng ph\u1ea3i apply g\u00ec th\u00eam nh\u00e9.<\/p>\n\n\n\n

                c. Ph\u00fac l\u1ee3i c\u1ee7a t\u1ec9nh British Columbia v\u00e0 Qu\u00e9bec<\/strong><\/h3>\n\n\n\n

                – British Columbia Training and Education Savings Grant (BCTESG): t\u1ec9nh BC s\u1ebd cho th\u00eam $1,200 (lifetime) v\u1edbi \u0111i\u1ec1u ki\u1ec7n ba m\u1eb9 v\u00e0 b\u00e9 l\u00e0 residents c\u1ee7a BC, tr\u1ebb sinh t\u1eeb n\u0103m 2006 tr\u1edf \u0111i.<\/p>\n\n\n\n

                – Qu\u00e9bec Education Savings Incentive (QESI): t\u1ec9nh Quebec cho th\u00eam $3,600 (lifetime) v\u1edbi tr\u1ebb l\u00e0 resident c\u1ee7a Quebec & d\u01b0\u1edbi 18 tu\u1ed5i.<\/p>\n\n\n\n

                B\u00e0i \u0111\u1ebfn \u0111\u00e2y c\u0169ng \u0111\u00e3 d\u00e0i. \u1ede b\u00e0i vi\u1ebft sau, m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 RESP v\u1edbi ch\u1ee7 \u0111\u1ec1: C\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ec3 \u0111\u1ea7u t\u01b0 cho t\u00e0i kho\u1ea3n RESP, c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn thu\u1ebf \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n RESP, c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 g\u1eb7p ph\u1ea3i trong \u0111\u1ea7u t\u01b0 RESP v\u00e0 c\u00e1c Q&A li\u00ean quan kh\u00e1c.<\/p>\n\n\n\n

                Sarah Do,<\/strong><\/em><\/p>\n\n\n\n

                <\/p>\n\n\n\n

                Life, Health & Travel Insurance Advisor.<\/strong><\/em><\/p>\n\n\n\n

                Disclaimer: <\/em><\/strong>B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui l\u00f2ng t\u00ecm ki\u1ebfm chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

                T\u1ea1m th\u1eddi g\u00e1c qua c\u00e1c b\u00e0i vi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m, m\u00ecnh quay tr\u1edf l\u1ea1i v\u1edbi ch\u1ee7 \u0111\u1ec1 C\u00e1c ph\u00fac l\u1ee3i t\u1ea1i Canada. Ch\u1ee7 \u0111\u1ec1 v\u1ec1 RESP m\u00ecnh \u0111\u00e3 c\u00f3 \u00fd \u0111\u1ecbnh vi\u1ebft l\u00e2u r\u1ed3i, nh\u01b0ng v\u00ec \u0111\u00e2y l\u00e0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 kh\u00e1 r\u1ed9ng v\u00e0 c\u00f3 nhi\u1ec1u th\u1ee9 \u0111\u1ec3 \u0111\u00e0o s\u00e2u, n\u00ean m\u00ecnh c\u1ea7n r\u1ea5t nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 vi\u1ebft 1 b\u00e0i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. Do v\u1eady, m\u00ecnh xin b\u00e1o tr\u01b0\u1edbc l\u00e0 b\u00e0i vi\u1ebft n\u00e0y s\u1ebd kh\u00e1 d\u00e0i, v\u00e0 c\u00f3 th\u1ec3 m\u00ecnh s\u1ebd chia ra l\u00e0m 2-3 b\u00e0i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y. M\u1eb7c d\u00f9 tr\u00ean m\u1ea1ng c\u0169ng c\u00f3 1 v\u00e0i b\u00e0i vi\u1ebft n\u00f3i v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y r\u1ed3i, nh\u01b0ng kh\u00f4ng \u0111\u00e0o s\u00e2u chi ti\u1ebft, n\u00ean m\u00ecnh hi v\u1ecdng s\u1ebd c\u00f3 th\u1ec3 d\u00e0nh th\u1eddi gian \u0111\u1ec3 vi\u1ebft m\u1ed9t chu\u1ed7i b\u00e0i vi\u1ebft th\u1eadt chi ti\u1ebft v\u1ec1 RESP. 1. RESP l\u00e0 g\u00ec? RESP – Registered Education Savings Plan l\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n nh\u1eb1m m\u1ee5c \u0111\u00edch gi\u00fap ng\u01b0\u1eddi nu\u00f4i d\u01b0\u1ee1ng\/ch\u0103m s\u00f3c tr\u1ebb ti\u1ebft ki\u1ec7m cho vi\u1ec7c h\u1ecdc c\u1ee7a tr\u1ebb \u1edf b\u1eadc sau trung h\u1ecdc (post-secondary) t\u1ea1i c\u00e1c tr\u01b0\u1eddng d\u1ea1y ngh\u1ec1, cao \u0111\u1eb3ng, \u0111\u1ea1i h\u1ecdc, v\u00e0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh th\u1ef1c t\u1eadp ngh\u1ec1. Tuy nhi\u00ean, m\u1ed9t ng\u01b0\u1eddi l\u1edbn v\u1eabn c\u00f3 th\u1ec3 m\u1edf RESP cho ch\u00ednh m\u00ecnh nh\u00e9! \u1ede b\u00e0i vi\u1ebft sau m\u00ecnh s\u1ebd n\u00f3i v\u1ec1 m\u1ed9t s\u1ed1 l\u1ee3i \u00edch m\u1edf RESP cho ng\u01b0\u1eddi l\u1edbn. Khi m\u1edf RESP, b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u1edf RESP cho b\u1ea1n n\u1ed9p \u0111\u01a1n xin c\u00e1c ph\u00fac l\u1ee3i nh\u01b0: Tr\u00e1i phi\u1ebfu H\u1ecdc t\u1eadp Canada – Canada Learning Bond (CLB) v\u00e0 Tr\u1ee3 c\u1ea5p Ti\u1ebft ki\u1ec7m Gi\u00e1o d\u1ee5c Canada – Canada Education Savings Grant (CESG). N\u1ebfu tr\u1ebb \u0111\u1ea1t \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, nh\u1eefng ph\u00fac l\u1ee3i n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n th\u1eb3ng v\u00e0o RESP \u0111\u1ec3 gi\u00fap tr\u1ebb trang tr\u1ea3i c\u00e1c chi ph\u00ed kh\u00e1c trong vi\u1ec7c h\u1ecdc. M\u1ed9t s\u1ed1 chi ph\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n bao g\u1ed3m: h\u1ecdc ph\u00ed, s\u00e1ch v\u1edf, d\u1ee5ng c\u1ee5 h\u1ecdc t\u1eadp, ph\u01b0\u01a1ng ti\u1ec7n \u0111i l\u1ea1i v\u00e0 ti\u1ec1n thu\u00ea nh\u00e0. Ng\u01b0\u1eddi l\u1edbn sinh t\u1eeb n\u0103m 2004 tr\u1edf \u0111i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn CLB cho RESP c\u1ee7a ch\u00ednh m\u00ecnh cho t\u1edbi tu\u1ed5i 21. 2. C\u00e1c ph\u00fac l\u1ee3i d\u00e0nh cho t\u00e0i kho\u1ea3n RESP Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng RESP (beneficiary) \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng CLB v\u00e0 CESG tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n RESP. Ri\u00eang BC v\u00e0 Qu\u00e9bec s\u1ebd c\u00f3 th\u1ec3 ph\u00fac l\u1ee3i ri\u00eang c\u1ee7a t\u1ec9nh cho v\u00e0o t\u00e0i kho\u1ea3n n\u00e0y. a. Canada Learning Bond (CLB) – l\u00e0 ng\u01b0\u1eddi \u0111ang sinh s\u1ed1ng (resident) \u1edf Canada – c\u00f3 s\u1ed1 SIN (s\u1ed1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i) – \u0111\u1ee9ng t\u00ean l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP – sinh v\u00e0o ho\u1eb7c sau ng\u00e0y 1\/1\/2004 – \u1edf trong gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p. \u0110\u1ecbnh m\u1ee9c v\u1ec1 gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p – low income c\u00f3 thay \u0111\u1ed5i theo t\u1eebng n\u0103m. T\u1ea1i th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y th\u00ec gia \u0111\u00ecnh thu nh\u1eadp th\u1ea5p l\u00e0 b\u1eb1ng\/d\u01b0\u1edbi $50,197 cho gia \u0111\u00ecnh c\u00f3 t\u1eeb 1-3 con. Ngo\u00e0i ra, ng\u01b0\u1eddi ch\u0103m s\u00f3c (primary caregiver) c\u1ee7a tr\u1ebb c\u0169ng ph\u1ea3i th\u1ecfa \u0111i\u1ec1u ki\u1ec7n: – \u0111\u00e3 khai thu\u1ebf cho nh\u1eefng n\u0103m m\u00e0 h\u1ecd y\u00eau c\u1ea7u xin CLB – \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u1eadn tr\u1ee3 c\u1ea5p CCB (Canada Child Benefit) => N\u1ebfu ai ch\u01b0a r\u00f5 v\u1ec1 CCB th\u00ec xem b\u00e0i vi\u1ebft tr\u01b0\u1edbc c\u1ee7a m\u00ecnh v\u1ec1 CCB nh\u00e9. Ch\u00ednh s\u00e1ch c\u1ee7a CLB v\u00e0o th\u1eddi \u0111i\u1ec3m vi\u1ebft b\u00e0i n\u00e0y l\u00e0 $500 cho n\u0103m \u0111\u1ea7u ti\u00ean v\u00e0 $100 cho m\u1ed7i n\u0103m ti\u1ebfp theo, cho t\u1edbi khi tr\u1ebb \u0111\u1ee7 15 tu\u1ed5i (n\u1ebfu gia \u0111\u00ecnh b\u1ea1n v\u1eabn th\u1ecfa \u0111i\u1ec1u ki\u1ec7n thu nh\u1eadp th\u1ea5p trong nh\u1eefng n\u0103m \u0111\u00f3). S\u1ed1 ti\u1ec1n t\u1ed1i \u0111a \u0111\u01b0\u1ee3c nh\u1eadn t\u1eeb CLB l\u00e0 $2,000 trong su\u1ed1t cu\u1ed9c \u0111\u1eddi c\u1ee7a tr\u1ebb. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi l\u1edbn sinh t\u1eeb n\u0103m 2004 tr\u1edf \u0111i, h\u1ecd v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn CLB t\u1edbi ng\u00e0y h\u1ecd \u0111\u1ee7 21 tu\u1ed5i b\u1eb1ng c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n RESP cho ch\u00ednh h\u1ecd. Vi\u1ec7c m\u1edf CLB v\u00f4 c\u00f9ng \u0111\u01a1n gi\u1ea3n. B\u1ea1n ch\u1ec9 c\u1ea7n li\u00ean h\u1ec7 t\u1ed5 ch\u1ee9c m\u1edf RESP cho b\u1ea1n, h\u1ecd s\u1ebd gi\u00fap b\u1ea1n \u0111i\u1ec1n c\u00e1c gi\u1ea5y t\u1edd \u0111\u1ec3 apply (m\u1ea5t kho\u1ea3ng 1-2 tu\u1ea7n) v\u00e0 ch\u1edd nh\u1eadn CLB tr\u1ef1c ti\u1ebfp v\u00e0o RESP trong kho\u1ea3ng 2 th\u00e1ng. Theo kinh nghi\u1ec7m c\u1ee7a m\u00ecnh th\u00ec h\u1ecd kh\u00f4ng t\u1ef1 \u0111\u1ed9ng apply xin CLB, n\u00ean v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1ea1n nh\u1edb h\u1ecfi h\u1ecd nh\u00e9. – N\u1ebfu gia \u0111\u00ecnh b\u1ea1n th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u1eadn CLB, th\u00ec l\u01b0u \u00fd l\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i b\u1eaft bu\u1ed9c \u0111\u00f3ng ti\u1ec1n v\u00e0o RESP m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn kho\u1ea3n ti\u1ec1n n\u00e0y. V\u00ed d\u1ee5, b\u1ea1n c\u00f3 th\u1ec3 ra bank m\u1edf 1 c\u00e1i t\u00e0i kho\u1ea3n RESP, d\u00f9 t\u00e0i kho\u1ea3n n\u00e0y $0, b\u1ea1n v\u1eabn s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n CLB t\u1eeb nh\u00e0 n\u01b0\u1edbc chuy\u1ec3n v\u00e0o \u0111\u00f3 m\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u00f3ng ti\u1ec1n th\u00eam n\u1ebfu b\u1ea1n kh\u00f4ng mu\u1ed1n. – CLB c\u00f3 th\u1ec3 xin ng\u01b0\u1ee3c tr\u1edf l\u1ea1i cho th\u1eddi gian tr\u01b0\u1edbc \u0111\u00f3 (g\u1ecdi l\u00e0 retroactive). V\u00ed d\u1ee5 nh\u1eefng n\u0103m tr\u01b0\u1edbc b\u1ea1n c\u00f3 th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u01b0ng b\u1ea1n kh\u00f4ng h\u1ec1 bi\u1ebft v\u1ec1 ch\u01b0\u01a1ng tr\u00ecnh n\u00e0y, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 m\u1edf RESP v\u00e0o l\u00fac n\u00e0y v\u00e0 apply xin b\u00f9 l\u1ea1i cho nh\u1eefng n\u0103m \u0111\u00f3. Tuy nhi\u00ean, vi\u1ec7c xin l\u1ea1i CLB retroactive ph\u1ea3i di\u1ec5n ra tr\u01b0\u1edbc khi tr\u1ebb 21 tu\u1ed5i. b. Canada Education Savings Grant (CESG) – l\u00e0 ng\u01b0\u1eddi \u0111ang sinh s\u1ed1ng (resident) \u1edf Canada – c\u00f3 s\u1ed1 SIN (s\u1ed1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i) – \u0111\u1ee9ng t\u00ean l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP – d\u01b0\u1edbi 17 tu\u1ed5i Ng\u01b0\u1eddi \u0111\u1ee9ng t\u00ean t\u00e0i kho\u1ea3n RESP (ba\/m\u1eb9) ph\u1ea3i \u0111\u00f3ng ti\u1ec1n v\u00e0o RESP. Th\u1eddi gian khi n\u00f3i v\u1ec1 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a CESG l\u00e0 t\u00ednh theo d\u01b0\u01a1ng l\u1ecbch th\u00f4ng th\u01b0\u1eddng (calendar year). – V\u1edbi tr\u1ebb th\u1ee5 h\u01b0\u1edfng 16 & 17 tu\u1ed5i s\u1ebd ph\u1ea3i c\u1ea7n th\u1ecfa th\u00eam 1 trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau tr\u01b0\u1edbc khi k\u1ebft th\u00fac n\u0103m tr\u1ebb \u0111\u1ea1t \u0111\u1ee7 15 tu\u1ed5i: + \u0111\u00e3 \u0111\u00f3ng t\u1ed5ng c\u1ed9ng \u00edt nh\u1ea5t $2,000 v\u00e0o t\u00e0i kho\u1ea3n RESP (v\u00e0 ch\u01b0a b\u1ecb r\u00fat ra), ho\u1eb7c + \u0111\u00e3 \u0111\u00f3ng \u00edt nh\u1ea5t $100\/n\u0103m v\u00e0o RESP cho m\u1ed9t n\u0103m b\u1ea5t k\u1ef3 trong 4 n\u0103m tr\u01b0\u1edbc \u0111\u00f3. – Ph\u1ea7n c\u01a1 b\u1ea3n (Basic CESG): b\u1eb1ng 20% s\u1ed1 ti\u1ec1n \u0111\u00f3ng v\u00e0o RESP, v\u1edbi t\u1ed1i \u0111a l\u00e0 $500\/n\u0103m\/tr\u1ebb (t\u1ed1i \u0111a $1,000 n\u1ebfu c\u00f3 ph\u1ea7n<\/p>\n","protected":false},"author":2,"featured_media":2861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25,46],"tags":[47],"class_list":["post-2859","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem","category-tai-chinh","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=2859"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2859\/revisions"}],"predecessor-version":[{"id":3462,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2859\/revisions\/3462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2861"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=2859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=2859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}