Archive for May, 2011

Education Technology Conference

Use of software applications have been used for many years now to teach students and employees new materials. This year’s ETC conference had exciting workshops on new technological tools to use for learning. The Apple I P OD touch has hundreds of possible applications, for a low cost or free price. Social media was of course content for many presentations and workshops. A hands on interactive workshop was held on how to use in  education both for class exercises and teaching content.


Bitstrips May presentation May 26


Canada Pension Plan Changes 2012-Updates April 16 2012

The age to receive OAS, old age security, has been increased from 65-67. You can also choose to defer taking your OAS until much later thereby increasing it.  If the legislation passes, you can start deferring as soon as July 2012. The Star gives the example “Rita who turns 65 in December 2013, plans to work for as long as she can. She ops to work until 70. Here pension will then be $8,814, rather that $6,481 (in 2012 dollars).


Changes have been approved, some for those who started receiving CPP before 2012, some for those who begin during or after 2012.

The following changes to the CPP will be phased in gradually between 2011 and 2016, with the first major change occurring in January 2011 for people retiring after age 65:

  • Your monthly CPP retirement pension amount will increase by a larger percentage if you take it after age 65 (gradually from 2011 to 2013).
  • Your monthly CPP retirement pension amount will decrease by a larger percentage if you take it before age 65 (gradually from 2012 to 2016).

Therefore encouraging older workers to work longer.

  • The number of years of low or zero earnings that are automatically dropped from the calculation of the CPP retirement pension will increase (in 2012 and 2014).

Which will in general help workers.

  • You will be able to begin receiving your CPP retirement pension without any interruption even if you remain working (starting in 2012)
  • If you are under 65 and you work while receiving your CPP retirement pension, you and your employer will have to make CPP contributions.
  • If you are age 65 to 70 and you work while receiving your CPP retirement pension, you can choose to make CPP contributions.

The strategy for these changes is to improve retirement flexibility for working individuals in Canada, enhance pension coverage, and improve equity in the CPP (providing those of us not retiring for some time will still be eligible).

Pension Update Dec.6 What is changing?


Bill C-51, receiving assent in parliament on December 15, 2010, will take affect in 2012. Some of these changes include:

  1. Workers will no longer have to cease work or reduce their earnings in order to collect CPP retirement pension benefits before age 65. Currently, workers must stop working (or keep earnings to a maximum amount) to collect benefits (this is called the “work cessation test”).
  2. The rates of Canadians’ low earning years are excluded from the calculation of their benefits entitlements. Pensionable earnings levels used to calculate CPP pension benefits will increase, leading to better pensions.
  3. Those workers receiving CPP retirement pension benefit recipients can continue making premium contributions if they choose.
  4. The penalty for early receipt of benefits (before 65 yrs old) will increase and the bonus for not collecting benefits until later will be better.

For more information, see:

Service Canada