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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.
22
Jan
An elderly couple in Calgary reviewing their provincial financial assistance statement on a laptop, showing the monthly Alberta Seniors Benefit deposit

Alberta Seniors Benefit Payment Dates 2026 (Amounts & Schedule)

Waiting for your Alberta Seniors Benefit? Get the official 2026 deposit schedule, discover how to qualify for the $5,872 Special Needs top-up, and learn the secret to skipping the 16-week application delay.
10 min read
22
Jan
A close-up of an Ontario senior's bank account portal on a smartphone, showing a "PROV ONTARIO GAINS" deposit alongside a federal OAS/GIS payment.

Ontario GAINS Payment Dates 2026 (For Low Income Seniors)

Waiting for your Ontario GAINS payment? Get the official 2026 deposit schedule, check the $90 monthly maximum, and learn how to secure this "automatic" top-up for your retirement.
5 min read
22
Jan
A senior Canadian couple reviewing their T4A-OAS slip and tax return on a laptop, with a calculator showing the 15% recovery tax calculation for the tax year.

OAS Clawback 2026: What is the "Recovery Tax" Threshold?

Is your 2026 OAS benefit safe? Discover the new $93,454 clawback threshold, the 15% recovery tax math, and the RRSP Meltdown strategy to keep your full pension.
7 min read
22
Jan
A person holding an official Service Canada 'Application for a Canada Pension Plan Death Benefit' form ISP1200, with a professional funeral services brochure on a desk

CPP Death Benefit 2026: How to Apply for the $2,500 Lump Sum

Dealing with a loss? Discover how to claim the $2,500 CPP Death Benefit, learn who qualifies for the new $5,000 top-up, and get the step-by-step ISP1200 application guide for 2026.
5 min read
22
Jan
A senior woman looking at her bank statement with a sense of relief, next to a photo of her late husband and an official Service Canada 'Allowance for the Survivor' information sheet.

Allowance for the Survivor: How to Get Money if You are Widowed (Age 60-64)

Widowed and under age 65? You may be eligible for a non-taxable monthly payment of up to $1,680. Discover the "Allowance for the Survivor" income limits and application steps for 2026.
5 min read
22
Jan
A Canadian senior couple in their living room, smiling while reviewing a tablet showing their increased monthly benefit statement from both federal and provincial senior top-up programs.

Senior Benefits in Canada 2026: The Complete Top-Up List

Federal OAS and GIS are just the start. Discover the 2026 provincial top-ups like Ontario GAINS, BC Senior Supplement, and Alberta Seniors Benefit to maximize your monthly income.
6 min read
22
Jan
A senior couple calculating their retirement budget with the GIS income table visible on a laptop screen alongside their T4A slips.

Guaranteed Income Supplement (GIS) 2026: New Income Cutoffs

Did I make too much money to get my GIS?" Get the exact 2026 income cutoffs for single and married seniors, see the new payment tables, and learn how to earn $5,000 without losing a cent of your benefits.
5 min read
21
Jan
A close-up of a bank statement showing a 'Canada Disability Savings Grant' deposit of $3,500 and a 'Canada Disability Savings Bond' Registered Disability Savings Plan (RDSP).

Registered Disability Savings Plan (RDSP): The $3-for-$1 Match Explained

Turn $1,500 into $5,000 every year. Discover the "3-for-1" RDSP match, the $20,000 "No-Contribution" bond, and the 10-year rule to avoid costly penalties.
6 min read
21
Jan
A young immigrant couple standing in front of a modern Canadian townhouse, holding a Sold sign and a folder labeled 'FHSA Home Ownership Plan.

First Home Savings Account (FHSA): Rules for Newcomers

New to Canada and dreaming of home ownership? Discover the FHSA rules for work permit holders, how to carry forward $8,000 in room without a deposit, and why newcomers should avoid the "90-Day RRSP Trap."
7 min read
21
Jan
A professional energy advisor conducting an EnerGuide evaluation in a Canadian home, using a thermal imaging camera to show heat loss around a window frame.

Canada Greener Homes Grant: Is There Any Money Left? (2026 Update)

Is the Canada Greener Homes Grant officially dead? Discover the 2026 replacements: Ontario’s $12,000 heat pump rebate and the federal "No-Cost" Affordability Program for low-income households.
6 min read