Should I Top my RRSP for tax year 2008?

you can try this link of the IRS: http://www.irs.gov/irb/2003-50_IRB/ar10.html

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you have misunderstood what you examine. For 2008 there's a one-time tax decrease for earnings in the ten% bracket - the rebate is an improve on that. in the adventure that your rebate is greater beneficial than the tax decrease might have given you, you do not could desire to pay returned the greater. so your refund next twelve months could be the comparable because it would have been if there were no stimulus bill (no tax decrease, and no rebate). yet once you don't get a rebate this twelve months and characteristic any tax criminal accountability next twelve months, or in the adventure that your rebate this twelve months is below your tax criminal accountability next twelve months and you have not already gotten the utmost $six hundred, then you definately'll earnings from the tax decrease once you document your 2008 return. What this means to you is that in case you may routinely are starting to be $2000 next twelve months and you get carry of the rebate this twelve months, you will get $2000 next twelve months. in case you probably did not get the rebate this twelve months, and can are starting to be $2000 next twelve months, you will get greater beneficial than $2000 next twelve months in case you owe any tax, on the grounds which you will additionally get the earnings of a one-twelve months tax decrease. in case you get the rebate this twelve months, you will not get that greater, on the grounds which you could have already gotten it.

If you have the money, it would be better to pay the cash directly into your RRSP rather than taking out a loan. You would have to pay the interest on the loan, and that interest payment is neither tax deductible, nor recoverable in any way.

If you can afford to make the contribution, do it. You'll get a good chunk (probably over 30%) back as a deduction, and it keeps your RRSP maxed out, always a good move.

I don't see any reason to use an RRSP loan, unless you're worried about having cash on hand. It's just interest paid to no benefit.

No.