Educational Assistance Payments (EAPs)

In terms of RESPs, an educational assistance payment (EAP) helps the beneficiary finance the expenses of his or her post-secondary education. EAPs consist of various grants and funds, including the Canada Learning Bond, the Canada education savings grant, and any form of earnings obtained from the savings program providing by heritage education funds.
A student may receive EAPs if:
• He or she is enrolled in a qualifying educational program.
• He or she is already 16 years old and is attending a specified educational program.
• He or she is attending a post-secondary educational institution.
A qualifying educational program is post-secondary school program that lasts for not less than 3 consecutive weeks. This program usually requires students to spend at least 10 hours per week on a course or work in the program.
Meanwhile, specified educational program is a post-secondary program that lasts for at least3 consecutive weeks and that requires a student to spend at least 12 hours per month on the courses in the program.
A post-secondary institution includes:
• Any educational institution that offers non-credit courses that develop or improve skills in occupation; and that’s certified by Employment and Social Development Canada (ESDC).
• A university, college, or other such institutions in Canada.
• A cross-border or overseas university that has post-secondary school courses at which the student is enrolled in course not shorter than 13 consecutive weeks.
• A university outside Canada that has courses at post-secondary level where the student is enrolled full-time in a course not shorter than 3 consecutive weeks.
In case he or she stopped attending school, the student may still be entitled to EAPS as long as the payments would have been considered as EAPs if they had been made quickly before the student stopped school.
Maximum amounts of Education Assistant Payments
After the student enrolled in a qualifying educational program, he or she can start receiving EAPs. However, he or she must also other important requirements.
• For the first 13 consecutive weeks of an RESP for a student in a qualifying educational program, the maximum amount of EAP to be made is $5,000. After the initial 13 weeks, there’s no longer any limit on the amount of EAPs, provided the student continues to be qualified for such benefits.
• On the other hand, if within a 12-month period the student is not enrolled for any qualifying educational program for 13 consecutive weeks, the $5,000-limit will be imposed again.
• Meanwhile, for specified educational programs, the cap is at $2,500 for the 13-week period, regardless of the student’s enrollment in a program.
• As far as the terms and conditions of an RESP, the promoter can supplement the $5,000 or $2,500 EAP by paying a part of the contribution tax-free to the student.
Tax Considerations
Whenever EAPs are paid to the student, they become subject to taxes since they come from tax-sheltered funds such as grants, investment incomes, and the likes. Your RESP provider will most likely give you a T4A slip, which they use to report the payments on your income tax return.

6 Things That Make A Dental Hygiene Career So Rewarding

The dental hygiene career is a gratifying profession that one should consider. You may not be saving lives like a doctor (and that in of itself can be a very stressful and strenuous career path itself BUT VERY REWARDING) but the joy you bring when you give someone a perfect smile or remove a pain that has been causing them sleepless night because of a cavity or rotten tooth can in of itself be life-saving.

If you have undergone your dental hygiene continuing education and are now looking for reasons as to how this career path can be rewarding then here are six reasons as to why a dental hygiene career can be so satisfying.

6 Things That Make A Dental Hygiene Career So Rewarding

# 1 – Giving People A Perfect Smile

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As we have just mentioned having a perfect smile can make people happy. Not only does it give them a better sense of self-esteem but it is also a great way to help them smile more. Smiling in of itself has many benefits that very few people are unaware of, and it is for this reason to smile at people that they can show off without shame can do a great deal of good for their overall health; as smiling has been connected with having overall better health.

# 2 – Doing Something That Makes People Happy

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Just making people happy can be very rewarding an can be something that not only makes your patient happy but can also make you happy. The gift of giving someone a great gift is one of the greatest rewards we can have.

# 3 – Great Pay

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One of the major perks of being a dental hygienist is that you will be able to make a good living. The amount that a dental hygienist makes is well above the average median (the average yearly income is around $45,000 a year; estimated, of course). So if you are looking for a career path that helps people as well as pays very handsomely for doing so, then this is the career.

# 4 – Time Freedom

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There is nothing quite like having the freedom to go and do what you want. And with a career that provides you sufficient time freedom, you will be able to enjoy life with the family and friends and all while still getting paid a significant amount for your services. If this isn’t a win-win, then we don’t know what is.

# 5 – Flexibility

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The time freedom that we have just discussed also lends to the flexibility that many dental hygienists also get as a result. Many dental hygienists have a flexible schedule where they can work when they want. This is the power that comes from having schedules.

# 6 – Healthy Life Style

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The best gift that you can g9ve to anyone and yourself is a good and healthy life. Oral health is something that is much overlooked, and this is no hyperbole; much of the world has very poor hygiene, and as a result, they suffer from many heads and oral health issues. The connection between poor oral health and head conditions is very real, and with the proper care for your mouth, you can prevent this from happening.

5 Things to Look for When Choosing a Teachers’ College

Though somewhat underrated, teaching is one of the most important professions. It plays a vital role in the development of children and gives rise to a new generation of professions in diverse fields. It is such a vital professions that it has been regarded as a calling. However, no matter how deep your passion for teaching may be, you still need to attend a teachers college to become a licensed teacher.

The college you attend will play a crucial role in determining how successful your teaching career will be. As such, it is advisable to consider the following five factors when choosing a teachers’ college.

1. Reputation and Career Placement

There are thousands of teachers’ colleges, but only a handful are popular for their high standards. These colleges give rise to some of the best teachers as they offer top-quality training and teaching services. These colleges get thousands of applications as most aspiring teachers realize they have lots of opportunities and advantages to offer – in particular, they are popular for their high career placement rates. As such, the reputation of a teaching school should be the first factors to consider.

2. Teaching Programs

What, in particular, would you like to teach? Teaching is a vast professions with hundreds of programs under it. No school could possibly offer all teaching programs. As such, it is necessary to review the teaching programs offered at your desired college before enrolling. Be sure that the college not only offers the particular program but also has ample experience and knowledge in it as some emerging schools and programs are not yet developed enough.

3. Teaching Methods

As an aspiring teacher, you probably already know that every teacher has a unique method of teaching. Some teachers use drama while other take on a serious approach. The same case applies to teachers’ colleges.

To get the best teaching training, it is recommended to enroll in a school that offers a hands-on teaching approach. This means that theoretical sessions will be coupled with practical lessons such as mock teaching and presentation. It also pays to learn in a college that embraces modern teaching technology as it is shaping the future of teaching (and learning).

4. Teaching Duration

Time waits for no one, and one of the key strategies for succeeding in any career is starting off early. As such, it would help to enroll in a college that expedites the learning process as much as possible. That said, you should not sacrifice knowledge and skills for time – make sure that the desired college offers everything there is to offer regardless of the learning duration. It is also important to remember that learning durations are determined by the specific teaching program.

5. Cost

Education is one of the most valuable things today. It is also expensive. The cost of higher education has been rising steadily over the recent past, and more students are laden with school loans. As such, it is necessary to consider the cost of learning at your desired teachers’ college. On one hand, you should avoid taking on a learning program that you cannot afford as you only stand to lose halfway. On the other hand, you should not necessarily go for the cheapest as it is not always the best.


Hard-Copy Life: 5 Benefits of Intuitive Document Management

Maintaining the status quo by using hard-copy document management systems is not only outdated but can also make a business lag behind the competition. Well-designed document management systems and embracing newer technologies in the day-to-day running of a business can be very helpful for businesses that want to stay ahead of the competition. You should consider document scanning services for managing your physical files. Here are ways and benefits of embracing innovative technologies of managing and storing data in your business:

1. Reduced Physical Storage

Digital documentation reduces the need for physical storage. Paper documentation requires a lot of space to be operational. In the modern age, you shouldn’t set aside resources to cater for space for storing your vital office documents. All you need to do paper scanning and upload the files into your computers and servers.

2. Lower Costs

The financial obligations of building a business from scratch can be quite expensive. One of the easiest ways to reduce these costs is by embracing newer document management systems that are cheaper to acquire. If your employees use paper to dispense and store information, it can be an expensive ordeal for the business in the long run. You can save a lot of money by switching your usage of paper to digital documentation through a file scanning service technology.

3. Easier accessibility

Today’s business environment calls for instantaneous everything. Finding a document that is hidden in a pile of files in several cabinets can be time-consuming. With the digital documentation of data, accessing these files can be easier regardless of your location. Provided your computers and servers are not slow, you can integrate modern technologies like Big Data and cloud to facilitate efficient processing and analysis of data.

4. Leverage over other business

Gaining an advantage over competitors is good for every type of business. Hence, being able to access necessary information and be first to get to market can get you leverage over your competitors. It’s one way of being prepared for the future.

5. Robust Indexing of Documentation

There is too much room for making errors when dealing with paper documentation processes as compared to digital documentation systems. Through personal document scanning, digital documentation systems will enable your employees to have robust indexing capabilities when handling data. It’s easier to deploy, disseminate, and dispense information when the documents in your office are digitalized than when they are in file cabinets. Even if you’re inundated with massive files of documents to digitalize, it’s worth spending time to make things right earlier and position your business strategically for the future. If you would like to learn more, there are more resources available at CASNET.

5 Top Reasons To Apply For Ontario Teachers College

Just about everyone has a fond memory of a teacher that shaped and molded their mind or one that influenced their desire to learn more about a subject that led to a career. Today, many teachers still have that almost magical influence over the students that they teach. However, in order to teach in Ontario, Ontario teacher training is necessary with special training at a teachers college along with
teacher additional qualifcations.

1. Great Job Security

Of course, the economy is quite robust at the moment. However, the economy does have its ups and downs. Generally, this dramatically affects job security in a number of industries. However, it’s different in education. Once you’ve attended teachers college and attained Ontario teachers training, backed with experience, you will always be in high demand. Certainly, this is very true for those high-demand subjects.

2. Share Your Love For A Subject

Perhaps, you have a great passion for mathematics, history, or geography. Share that great passion with young minds. This passion and enthusiasm for a subject might easily transfer to students in your classes. Those students might decide to pursue a teaching career too. Thus, ensuring that more students start an educational career and bring more passion and excitement to the educational world.

3. Flexible Hours

Most parents working outside of the home hire a babysitter or drop their kids off at a daycare center. However, teachers work very flexible hours. Often, their hours match the hours that their kids are in school. Thus, eliminating child care expenses, while still having the ability to earn a paycheck.

4. Good Pay

Most teachers agree that they earn reasonably good pay, working in the educational system. In fact, the average professional school teacher in Ontario earns more than a wide variety of professionals with similar education or training. In addition, Ontario teacher training prepares you for future career advancement.

5. Creating Future Leaders

It is your duty to create an interesting environment in the classroom that encourages young minds to explore learning and ask questions. This leads to developing the greater ability to learn and succeed in the classroom. This is a skill that is easily transferred to life, and just might build future leaders in the community or the country.

Ontario teacher training at a teachers college provides future teachers with the necessary education and skills to teach in Ontario schools. Share your passion for education by becoming a teacher too. If you are looking for more information, you may be interested in checking out Western University.