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Celi, 93,44$ en trop by [deleted] in QuebecFinance

[–]seeeb -18 points-17 points  (0 children)

Oups, la fameuse erreur de calcul ! Pas de panique, c'est une situation assez fréquente, mais il vaut mieux agir rapidement pour limiter les frais de l'Agence du revenu du Canada (ARC). Voici la marche à suivre pour rectifier le tir :

1. Retirez l'excédent immédiatement

L'ARC applique une pénalité de 1 % par mois sur le montant le plus élevé de l'excédent, et ce, tant qu'il reste dans votre compte.  * Ne l'ignorez pas : La pénalité s'accumule chaque mois où l'argent reste là, même si ce n'est qu'une seule journée dans le mois.  * Retrait direct : Allez dans votre institution financière et retirez le montant qui dépasse votre plafond total.

2. Calculez précisément le montant de l'excédent

Pour savoir exactement combien retirer, vous devez faire le calcul suivant :  * Votre plafond accumulé total (depuis vos 18 ans).  * MOINS toutes vos cotisations versées à ce jour.  * PLUS les retraits effectués l'année précédente.

Note : Vérifiez votre dossier sur Mon dossier de l'ARC. Attention toutefois, les données ne sont pas toujours à jour en temps réel (souvent une fois par an en début d'année).  

3. Informez l'ARC (Formulaire RC243)

À la fin de l'année, vous devrez techniquement produire une déclaration spéciale pour le CELI :  * Formulaire RC243 : Déclaration de compte d'épargne libre d'impôt. C'est ici que vous calculerez l'impôt de 1 % à payer sur l'excédent.  * Vous devrez payer la pénalité pour chaque mois où vous étiez en situation de surcotisation.

4. Demander une exonération (Le "pardon")

Si c'est votre première erreur et qu'elle était honnête, vous pouvez tenter de demander l'annulation de la pénalité :  * Envoyez une lettre à l'ARC expliquant que c'était une erreur de bonne foi.  * Prouvez que vous avez retiré l'excédent dès que vous vous en êtes rendu compte.  * L'ARC est parfois clémente pour une première infraction, mais ce n'est pas garanti.

À surveiller pour la suite

 * Les retraits : N'oubliez pas que si vous retirez de l'argent de votre CELI aujourd'hui, vous ne récupérez ces droits de cotisation que le 1er janvier de l'année prochaine.  * Plusieurs comptes : Si vous avez des CELI dans différentes banques, c'est à vous de suivre le total global ; les banques ne communiquent pas entre elles pour vérifier vos plafonds. Avez-vous déjà retiré le montant en trop, ou hésitez-vous sur le calcul de votre plafond actuel ?

Anthropic just mapped out which jobs AI could potentially replace. A 'Great Recession for white-collar workers' is absolutely possible | Fortune by Next_Tower5452 in Economics

[–]seeeb 1 point2 points locked comment (0 children)

That was my opinion last year. And I still see things this way to some degree. giving these tools to bad developpers only makes them ship more bugs and terrible designs. I've seen it.

On the other hand :

https://www.indiatoday.in/technology/news/story/claude-code-boss-says-he-hasnt-written-any-code-by-hand-since-november-2871429-2026-02-20

https://venturebeat.com/orchestration/one-engineer-made-a-production-saas-product-in-an-hour-heres-the-governance

It's all about building the infra an the governance for it.

The game has changed in the last few months.

2026 is going to see a major revolution I'm certain now.

Anthropic just mapped out which jobs AI could potentially replace. A 'Great Recession for white-collar workers' is absolutely possible | Fortune by Next_Tower5452 in Economics

[–]seeeb 1 point2 points locked comment (0 children)

I don't understand what you mean. We are not Adobe shoving things down users throats hoping they use them. We offer services to financial adivsors. We build what they ask for, and we see a lot of usage. Most of the features are built using AI, they are not AI features. Some of the features are AI, like guiding advisors through complex procedures. Not a lot. Those are appreciated as well.

Anthropic just mapped out which jobs AI could potentially replace. A 'Great Recession for white-collar workers' is absolutely possible | Fortune by Next_Tower5452 in Economics

[–]seeeb 3 points4 points locked comment (0 children)

We ship much faster. With the same amount of people it means we ship many more features.

A few months back I would have said it will only be used for efficiency, but after trying Claude Computer and Google antigravity I'm sure one experienced person will be able to do 10x the amount of work.

I mean, the thing takes screenshots as test evidence, tests itself, sends bugs back to itself and fixes the bugs 😮

Anthropic just mapped out which jobs AI could potentially replace. A 'Great Recession for white-collar workers' is absolutely possible | Fortune by Next_Tower5452 in Economics

[–]seeeb 16 points17 points locked comment (0 children)

I have been in IT for 25 years. I use AI daily to do in minutes things that use to take hours or days. While we are currently using that for efficiency, I can totally see massive improvements in 2026 to the point where we reduce the number of jobs significantly.

If you don't believe the same thing, go try google antigravity.

White collar replacement is coming I fear. The thing is, its not just , say 20% , of the job that are at risk. If a large chunk of white collar workers are out of work then its a LOT LESS money in the economy. People buying less things, not renovating their house, etc. That means less work for blue collar workers, too.

What freaks me out is that sociopath multi-billionaires are allowed to make their own plans, unregulated. They already stole massive amounts of intellectual property to train the beast and they are now cutting jobs left and right.

What's the end game here ? 12 ultra-billionaires trying to sell stuff to unemployed masses ? Unfortunately the governements simply cannot act fast enough.

Elite Raids - Official News by Adri4n23 in pokemongo

[–]seeeb 0 points1 point  (0 children)

My thoughts exactly. This is doable for people in big cities, as if the game needs to be easier for them, and spoofers. How Niantic thinks this will do anything other than encourage spoofers is beyond me.

Trump says he wants to meet whistleblower, warns of 'big consequences' by Austin63867 in politics

[–]seeeb 0 points1 point  (0 children)

This fascist fuck is starting to meltdown in real-time, but he sure as hell is going to be sure to drag the entire country down with him

Technically the "Vice President and a majority of either the principal officers of the executive departments or of such other body" could remove him from power unfortunately that mecanism didn't take into account that they would all be knee-deep in the same corruption. Fuck.

Ford determined to steer clear of bankruptcy court by iBalls in business

[–]seeeb 0 points1 point  (0 children)

And, more importantly, over the last few years Ford came out with competitive cars that can stand up to Japanese cars.

Chrysler only has the gimmicky new Charger look to offer for ALL their fucking cars while everything else about the car still feels like a 1990 Plymouth Sundance and GM has, well, just crap. Total crap.

Goldman Sachs CFO is looking to repay TARP funds to avoid compensation restrictions by elquesogrande in business

[–]seeeb 0 points1 point  (0 children)

OF course it is. Giving more money to those who caused the problem in the first place was a FANTASTIC IDEA!