Justin Dallaire

2 months ago | moneysense.ca | Justin Dallaire

Benefits The Ontario Trillium Benefit is a combination of several tax credits. Here’s how the OTB works, who’s eligible for the OTB, and OTB payment dates for 2025. The Ontario Trillium Benefit (OTB) is one of the tax credits and benefits available to Ontario residents. It pays for a portion of eligible Ontarians’ energy costs, sales tax and property tax. So, how does it work, and who qualifies? When is the next OTB payment date, and how will you receive it?

Nov 28, 2024 | moneysense.ca | Justin Dallaire

My MoneySense MoneySense’s senior editor, Justin Dallaire, answers the My MoneySense questionnaire for MoneySense’s 25th anniversary. Justin Dallaire joined the MoneySense team three years ago, bringing with him a wealth of business reporting knowledge. He oversees some of our most popular features, including the annual Where to Buy Real Estate list, first-time home buyer guide, credit card rankings and a wide range of mortgage and insurance articles and features.

Oct 22, 2024 | moneysense.ca | Tamar Satov |Justin Dallaire

Real Estate Most home buyers in Canada will encounter the stress test when applying for a mortgage. Here’s how it works and what it means for borrowers. The Canadian mortgage stress test applies to anyone applying for a mortgage, refinancing their current home loan, or renegotiating the terms of their mortgage contract with a federally regulated lender.

Sep 17, 2024 | moneysense.ca | Justin Dallaire

Credit Cards We pick two credit cards that could be the perfect match for a student with modest income and big travel ambitions. Aya Kinsey, 18Occupation: University studentAnnual income: Not yet known(likely some freelance income)Financial goals: Build a credit score and travelIn September, Aya Kinsey entered her first year of studies at Western University in London, Ont., where she is studying economics.

Feb 27, 2024 | moneysense.ca | Justin Dallaire

17. 2011: Google released Google Wallet in the U.S., three years before Apple Pay even popped up on our iPhones. Over the next decade, Google tested many versions of the app—and even launched a second one, named Google Pay (which was intended to replace Google Wallet). In February 2024, the company said it would end Google Pay in the U.S.—and replace it with Google Wallet.