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Jeff Calixte (MC Yow-Z)

Jeff Calixte (MC Yow-Z)

Canada
Jeff Calixte (MC Yow-Z) is a Canadian labour researcher and founder of BetterPayJobs.ca & CanadaPaymentDates.ca. He simplifies government benefit data and hiring trends for newcomers and workers.
20
Jan
A smiling senior and a young child at a modern Canadian dental office, with a brochure for the Canadian Dental Care Plan (CDCP) on the desk and a "Sun Life CDCP Participant

Free Dental Care for Seniors & Kids: 2026 CDCP Coverage Update

Is Canadian dental care finally free? In 2026, the CDCP covers millions, but "free" depends on your income. Learn the exact co-pay rates for seniors and kids, plus how to stack with provincial plans.
6 min read
20
Jan
A person standing in front of a colorful community fridge on a Canadian street, with a sign saying Take what you need, leave what you can

Food Banks Near Me (2026): How to Access Help Without ID or Proof of Address

Facing food insecurity but worried about your ID or immigration status? Discover the 2026 "No Questions Asked" food bank rules and a list of community fridges where you can get free groceries today.
5 min read
20
Jan
A detailed calendar for showing Ontario Works payment dates circled in Green, with a smartphone displaying a Deposit Received notification from a Canadian bank.

Ontario Works Payment Dates 2026: Official Schedule & Live Countdown

Get the official 2026 Ontario Works (OW) payment dates. See exactly when your monthly social assistance hits your bank, including early deposit times for RBC, TD, and Tangerine.
10 min read
20
Jan
A split-screen showing a person holding an Ontario Health Card and SIN document on one side, and the official Ontario Social Assistance Digital Application (SADA)

How to Apply for Ontario Works (Welfare) Online: 2026 Screen-by-Screen Guide

Is the Social Assistance Digital Application (SADA) confusing you? Use our 2026 screen-by-screen roadmap to complete your Ontario Works application in 20 minutes and get approved fast.
5 min read
20
Jan
A Canadian worker checking their EI claim status on a laptop at a kitchen table, with an official Service Canada Record of Employment (ROE)

Employment Insurance (EI) Canada 2026: New Rates & Application Guide

Laid off or between jobs? Discover the 2026 EI benefit increase to $729/week, the new minimum hour requirements for Toronto and Vancouver, and how to protect your claim while side-hustling.
6 min read
20
Jan
A close-up of a smartphone displaying a 2026 loan approval notification from a reputable Canadian installment lender, with a "Payday Loan vs. Installment Loan"

5 Best Emergency Loans for Bad Credit in Canada (2026)

Facing a financial crisis with bad credit? Avoid the 500% APR payday loan trap. Discover the top 5 legit installment lenders in Canada for 2026 that offer fast cash and credit building.
7 min read
20
Jan
Free Furniture Banks in Canada How to Furnish Your Apartment for $0

Free Furniture Banks in Canada: How to Furnish Your Apartment for $0 (2026)

Move into a skeleton apartment with zero stress. Discover the 2026 master list of Furniture Banks in Toronto, Vancouver, and Montreal that provide high-quality beds, tables, and sofas for free.
7 min read
19
Jan
A person sitting at a kitchen table looking at an eviction notice while dialing a phone, with a list of Canadian Rent Bank logos and emergency phone numbers

List of Rent Banks in Canada (2026): Emergency Phone Numbers & Eligibility

Facing eviction? Don't panic. This 2026 master list provides direct phone numbers and eligibility rules for every Rent Bank in Canada to help you secure an emergency grant or loan today.
6 min read
19
Jan
A comprehensive checklist of Canadian financial aid programs for 2026, including CRA logos, a family budgeting at a table,

Financial Help for Low-Income Families (2026 Guide)

Struggling to make ends meet? From $8,000+ child grants to interest-free home loans and free internet, here is the 2026 "Master List" of every major help program in Canada.
6 min read
19
Jan
Is tenant insurance mandatory for your new apartment in Canada Learn why landlords demand it, how to find plans for $15month,

Tenant Insurance for Newcomers in Canada (2026): Do You Really Need It?

Is tenant insurance mandatory for your new apartment in Canada? Learn why landlords demand it, how to find plans for $15/month, and the best cheap options for students and newcomers in 2026.
7 min read