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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.
23
Jan
A frustrated professional standing at an office window, holding a resignation letter, with a digital calendar and a Service Canada Just Cause guide visible on a desk nearby.

Can I Get EI if I Quit? (The Constructive Dismissal Checklist)

Trapped in a toxic job? You don't always have to be fired to get EI. Discover the 2026 "Just Cause" checklist and how to prove constructive dismissal to secure your benefits.
6 min read
23
Jan
A digital smartphone screen showing 14 missed calls from an unknown number, resting next to a Canadian consumer protection handbook and a Statute Barred stamp

Statute of Limitations on Debt in Canada: When Can They Stop Calling?

Is your old debt past its prime? Discover the 2026 rules on when debt collectors must legally stop calling, how a 2-year clock protects your wages, and the "Cease and Desist" letter that silences the phone for good.
6 min read
23
Jan
A determined Canadian man sitting at a desk with his bankruptcy discharge certificate, holding a new purple Neo Financial secured card, with a laptop showing a rising credit score

How to Rebuild Credit After Bankruptcy 2026: The Secured Card Strategy

Just discharged from bankruptcy? Don't wait 6 years to fix your score. Discover the "Velocity Strategy" using secured credit cards to reach a 700+ score in record time.
7 min read
23
Jan
R7 vs. R9 Credit Rating: What’s the Real Difference for Your Future?

R7 vs. R9 Credit Rating: What’s the Real Difference for Your Future?

Stuck between a consumer proposal and bankruptcy? Learn the real impact of R7 and R9 ratings on your 2026 credit report and which one lets you rebuild faster.
6 min read
23
Jan
A magnifying glass hovering over a glossy Debt Settlement brochure, revealing hidden fees in the fine print, next to a certified Non-Profit Credit Counselling badge

Non-Profit Credit Counselling vs. Debt Settlement 2026: Spot the Scam

Desperate for debt relief? Don't let a "Debt Consultant" steal your remaining cash. Learn how to spot 2026 debt settlement scams and find legitimate non-profit help that won't charge you for a referral.
7 min read
23
Jan
A stressed Canadian worker looking at a pile of payday loan contracts, with a digital checklist showing 'Step 1 Revoke Authorization' and 'Step 2 Consumer Proposal'.

How to Get Out of Payday Loan Debt in Canada (Without New Loans) The "Payday Lo

Trapped in a payday loan cycle? Discover the 2026 interest rate caps, the "Revoke Authorization" bank hack to stop automatic withdrawals, and how to settle for 20 cents on the dollar.
7 min read
23
Jan
Consumer Proposal vs. Bankruptcy: Which One Lets You Keep Your Car?

Consumer Proposal vs. Bankruptcy: Which One Lets You Keep Your Car?

Facing debt but need your wheels? Compare 2026 provincial car exemptions ($7,117 in Ontario vs. $5,000 in BC) and discover why a consumer proposal is the ultimate "Car Protection" move.
6 min read
23
Jan
A young family in Montreal's Plateau neighborhood checking their Retraite Québec 'My Account' portal on a tablet, with a payment schedule showing quarterly deposit dates.

Quebec Family Allowance Payment Dates 2026 (English Guide)

Navigating Retraite Québec as an English speaker? Get the official 2026 Family Allowance payment dates, the $3,068 maximum per child, and the secret "Monthly Payment" switch.
5 min read
23
Jan
A snowy landscape in Iqaluit, Nunavut, with a digital overlay showing the GSTHST and Nunavut Carbon Credit combined payment dates

Nunavut Carbon Credit Payment Dates 2026

Waiting for your Nunavut Carbon Credit? Get the official 2026 payment schedule, discover why the territorial rebate is phasing out, and learn how it's bundled with your GST/HST check.
6 min read
23
Jan
A winter scene in Yellowknife with a Payment Cancelled notice overlaid on a document for the Northwest Territories Cost of Living Offset, next to an application form

NWT Cost of Living Offset Payment Dates 2026 (Status: Cancelled)

Looking for your NWT COLO payment? Important: The Cost of Living Offset ended in April 2025. Discover the $6,000 "Seniors Home Heating Subsidy" that replaced it and the 2026 NWT Child Benefit dates.
6 min read