Articles

  1. Effective marginal tax rates when combining benefitsTo work out how to calculate your effective marginal tax rate when combining benefits, start with a key distinction: a marginal tax rate is the tax on the next…
  2. Saskatchewan Seniors Income Plan for Australian ReadersThe Saskatchewan Seniors Income Plan is a provincial top-up to federal Old Age Security (OAS) or the Guaranteed Income Supplement (GIS). It supports…
  3. How the Canada Pension Plan death benefit reaches an estateThe Canada Pension Plan death benefit is a one-time payment that can arise when an eligible CPP contributor or pensioner dies. It is not a general estate…
  4. How New Brunswick’s Seniors’ Benefit Can Ease Prescription CostsPrescription prices can put serious pressure on a fixed retirement income. In New Brunswick, the Low-Income Seniors’ Benefit gives eligible older residents…
  5. How to Report Rental Income Without Losing Your Guaranteed Income SupplementReporting rental income accurately is essential for anyone receiving Canada’s Guaranteed Income Supplement (GIS). The benefit is income-tested, so rental…
  6. Old Age Security deferral penalty explained for AustraliansUnderstanding the Old Age Security deferral penalty when you choose to delay starts with a correction: properly electing deferral does not reduce your eventual…
  7. British Columbia Rental Assistance for AustraliansThe British Columbia Rental Assistance Program (RAP) is BC Housing’s support for eligible lower-income households. It is tied to a qualifying tenancy in…
  8. How the Canada Workers Benefit Advance Payment WorksThe Canada Workers Benefit Advance Payment can give eligible low-income workers in Canada part of their expected benefit before tax assessment. It is a federal…
  9. When a Canada Child Benefit Payment Is Late or MissingIf the usual Canada Child Benefit deposit has not appeared, start with evidence rather than assumptions. A delay can result from an unfinished application,…
  10. How Ontario Credits Work Alongside the Federal GST/HST CreditFor Australians, the Ontario Energy and Property Tax Credit may sound similar to a state concession or a Centrelink cost-of-living payment. It is a provincial…