Pankaj Singh
Hi, I'm an education enthusiast with 7 years of experience in the field. I'm passionate about staying on top of the latest trends and updates in education and sharing them with you here at iCrest.co.in. Whether it’s policy changes, exam tips, or the impact of technology on learning, I aim to provide insights that keep you informed. When I’m not writing, I enjoy reading, attending education conferences, and exploring new EdTech tools. Feel free to connect with me through the comments or on Twitter.
Is It Possible to Inherit Credit Card Debt? Here’s What You Need to Know Before It’s Too Late
When a loved one passes away, many worry about inheriting their credit card debt. The good news is, in most cases, you won't inherit credit card debt unless you were a joint account holder or co-signer. Instead, the deceased's estate is responsible for paying off debts, and if there aren't enough assets, the remaining debt may be written off. This article explains the process, who is responsible for the debt, and how you can protect yourself and your family from debt inheritance.
Do CPP and OAS Increases Happen on Your Birthday? Here’s the Truth About Pension Boosts
Do pension boosts happen on your birthday? Not quite. Old Age Security (OAS) increases by 10% the month after you turn 75. Canada Pension Plan (CPP) starts the month after you apply, with inflation-based boosts every January. Learn how timing your applications, understanding cost-of-living increases, and using government tools can help you maximize retirement income and plan ahead with clarity and confidence.
Can Artificial Intelligence Help You Save for a Down Payment? AI Is Now Changing the Way Canadians Invest
AI is changing how Canadians save for a down payment. From round-up savings and budgeting alerts to personalized investing, it automates the hard stuff and keeps you on track. With tools like NOMI, Wealthsimple, and FHSA accounts, you can hit your homeownership goals faster. But don’t go full autopilot—AI’s a tool, not a mind reader. Stay engaged, combine tech with your instincts, and take control of your financial path.
CPP and OAS Payment Dates for June 2025 — When Will Your Benefits Arrive?
CPP and OAS payments for June 2025 are scheduled for Thursday, June 26, with direct deposit options closing June 23. CPP can reach $1,433 monthly (age 65), OAS up to $800.44 (age 75+), and GIS offers non-taxable support of $1,086.88 for singles. Taxes apply, and income affects eligibility. Benefit planners suggest using TFSAs, delaying pension starts, and digital tools for managing income and avoiding clawbacks.