Finance Articles

Employment Insurance and EI Reporting: All You Need to Know

Employment Insurance (EI) provides temporary financial support to eligible Canadians who are unemployed or unable to work due to specific life events. In 2025, benefits cover up to 55% of your insurable earnings, to a maximum of $668 per week. You must apply promptly and submit bi-weekly reports to stay eligible.

My CRA Account: What It Is and How to Register for It

CRA My Account is an online portal to manage your taxes and benefits. To register, go to the CRA website, sign in with a CRA ID or online banking, and verify your identity. A mailed security code gives full access.

Deductions in Canada: Cracking the Code by Unraveling Wage Dynamics

Deductions in Canada: Cracking the Code by Unraveling Wage Dynamics highlights how taxes, pensions, and insurance premiums reduce Canadian paycheques, while funding benefits like EI, CPP, and healthcare. It helps workers understand where their deductions go and what protections they provide.

SIN Number: Complete Application, Renewal & Replacement Guide

Canadians and newcomers can apply for a SIN online, in person, or by mail. You can renew temporary SINs by submitting updated permits, and request replacements if your SIN is lost. Always keep your SIN secure and only share it when legally required.

CPP Payment Dates 2025: When Am I Getting Paid?

You’ll receive your CPP payment on the third-to-last business day of each month in 2025. For example, January's payment arrives on January 29, and December's on December 22. If you use direct deposit, the funds will be in your account on these dates. If you receive cheques by mail, expect delivery a few days later.

TD Specimen Cheque: How to Read It and Write It

A TD specimen cheque provides essential banking information like your transit number, institution number, and account number, used for setting up direct deposits and pre-authorized payments. It can be easily obtained through TD EasyWeb, the TD app, or by visiting a branch.

Best Free Tax Return Software in Canada for 2025: Top Picks

In 2025, Canadians can file their taxes for free using top-rated software like Wealthsimple Tax, TurboTax Free, H&R Block, and UFile Free. These platforms offer easy-to-use interfaces, CRA Auto-fill, and NETFILE certification for fast and secure submissions. Whether you have simple or more complex returns, these options are perfect for saving time and money this tax season.

Can You Get a Credit Card with Bad Credit? (2025 Guide)

Yes, you can get a credit card with bad credit in Canada by applying for a secured credit card or a guaranteed approval card. These options require a refundable deposit and are designed to help you rebuild your credit score through responsible use and on-time payments, with most reporting directly to Equifax and TransUnion.

10 Common Investing Mistakes to Avoid: How to Invest Wisely

Avoid investing mistakes by diversifying, sticking to long-term goals, understanding your risk tolerance, and being mindful of fees. Don’t let emotions drive decisions, keep an emergency fund, and regularly review your investments to stay on track.

What Is a Void Cheque and Why Do You Need One in Canada?

A void cheque is a standard cheque marked with "VOID" to prevent its use for transactions. It provides essential banking details—such as the account number, transit number, and institution number—needed for processes like direct deposits and automated payments.

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