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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.
21
Jan
A map of Canada overlaid with digital connectivity icons, showing a smartphone connected to a free public library wifi network and a laptop displaying the Rogers Connected

Where to Get Free Wifi in Canada: Low Income Internet Programs

Internet is a right, not a luxury. Discover the $10/month high-speed plans from Rogers and Telus, learn how to qualify for the federal Connecting Families program, and find the best free public wifi hotspots near you.
6 min read
21
Jan
Is your postal code costing you $1,000 a year Discover the Border Zone hack, the truth about the insurance reforms, and how to find the cheapest insurance pockets in the GTA

How to Get Cheaper Car Insurance in Ontario (The Postal Code Trick)

A digital map of Ontario showing a high-contrast heat map of car insurance rates by postal code, with a magnifying glass hovering over a border between Brampton and Mississauga.
7 min read
21
Jan
one bag showing Flashfloods types and anther bag on the right showing food type Too Good To Go and Groceries for 50% Off

Flashfood vs. Too Good To Go: How to Buy Groceries for 50% Off

Stop paying retail for staples. Compare Flashfood vs. Too Good To Go to slash your grocery bill by 50% or more. Discover which app wins for meat, produce, and prepared meals in Canada.
9 min read
21
Jan
A high-speed internet router in a modern living room with a laptop showing a speed test result over 500Mbps and a side-by-side bill comparison between a major telecom and an independent ISP.

Best Cheap Internet Plans: TekSavvy vs. CarryTel vs. Oxio

Tired of the Rogers and Bell monopoly? Compare the best independent internet providers in Canada. Learn how TekSavvy, CarryTel, and Oxio can slash your monthly bill by 40% using the exact same lines.
7 min read
21
Jan
A person holding a sleek, refurbished smartphone showing a 5G signal bar and a Public Mobile account dashboard with a monthly bill under $40 compared to a high-cost Rogers bill.

Cheapest Cell Phone Plans Canada (Bring Your Own Phone)

Stop overpaying the Big 3. Discover the top "Bring Your Own Phone" plans in Canada, featuring the $34 50GB 5G Public Mobile deal and Freedom’s price freeze. Reclaim $500+ a year today.
6 min read
21
Jan
A person sitting at a kitchen table in a brightly lit Canadian home, using a smartphone with grocery saving apps open while reviewing a simplified monthly budget spreadsheet

How to Lower Your Bills in Canada: The Ultimate Savings Guide

Stop overpaying for basic needs. From $10 high-speed internet to the postal code car insurance hack, this master guide reveals how to reclaim $500+ every month using the latest Canadian savings strategies.
6 min read
20
Jan
A shared kitchen space in a modern home with a handwritten list of House Rules on the fridge, highlighting the legal distinction between a boarder and a tenant

Room Rental Rights: Do You Have Rights if You Share a Kitchen? (2026)

Living with your landlord? Discover the "Kitchen Loophole" that strips away your standard tenant rights in Ontario and BC, and learn the 2026 rules for "Boarder" safety and eviction.
5 min read
20
Jan
A tenant handing over a formal 'Notice to Terminate Tenancy' and a set of keys to a landlord in a clean, empty apartment, representing a legal and penalty-free lease exit.

How to Break a Lease in Canada Without Paying a Penalty (2026)

Stuck in a fixed-term contract? Learn the legal "Lease Assignment" loophole, the 2026 rules for domestic violence safety, and how to exit your rental agreement early without losing your deposit.
6 min read
20
Jan
A comparison chart of Ontario and British Columbia rental laws for 2026, showing a Prohibited stamp over a damage deposit receipt for an Ontario apartment.

Illegal Rent Deposits: Key Deposits vs. Damage Deposits (2026)

Is your landlord asking for a "Damage Deposit" in Ontario? Stop! Discover why security deposits are illegal in ON but legal in BC, and learn the 2026 rules for key deposits to protect your cash.
7 min read
20
Jan
A tenant and landlord sitting at a table in a bright apartment reviewing an N11 agreement and a certified check, illustrating a successful cash for keys negotiation.

Cash for Keys in Canada (2026): How to Negotiate a Fair Buyout

Is your landlord offering you money to move out? Don't settle for one month's rent. Learn the 2026 "Cash for Keys" math to negotiate a $10,000+ buyout and protect your housing future.
8 min read