Pervasive and Profound: The Impact of Income Volatility on Canadians

In this video presentation Derek Burleton of TD Economics shares findings from the report 'Pervasive and Profound,' which examines income volatility trends in Canada. The survey found that nearly 40% of Canadians experience moderate to high income volatility. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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View the full video playlist of all presentations from this symposium.

Policy and research symposium: Income volatility

The research and policy symposium on income volatility was held on March 9, 2018, in Toronto, Ontario. Speakers from Canada and the United States present on key research findings on the nature of income and expense volatility in the early 21st Century. Speakers also suggest policy solutions to address the challenges of increasingly volatile household income. 



Household Financial Stability and Income Volatility, Ray Boshara, Federal Reserve Bank of St. Louis
Income volatility: What banking data can tell us, if we ask, Fiona Greig, JP Morgan Chase Institute
Up Close and Personal: Findings from the U.S. Financial Diaries, Rob Levy, CFSI

Canada’s household balance sheets, Andrew Heisz, Statistics Canada

Research symposium: Overcoming barriers to tax filing for people with low incomes

The research symposium "Overcoming barriers to tax filing for people with low incomes" was held in Ottawa on Thursday, February 7, 2019, hosted by Prosper Canada and Intuit.

The symposium presents research results and insights from practitioners in the field on barriers to tax filing experienced by people with low incomes, challenges and opportunities in tax filing and benefits assistance programs, strategies to boost tax filing, and innovations in tax filing assistance.



The Community Volunteer Income Tax Program, Nancy McKenna, CVITP, Canada Revenue Agency
Supporting organizations in the CVITP, Aaron Kozak, Employment and Social Development Canada, and Melissa Valencia, Canada Revenue Agency
A Realist analysis of nonprofit tax filing services, Kevin Schachter, University of Manitoba and SEED Winnipeg

The Community Volunteer Income Income Tax Program, Nancy McKenna, Canada Revenue Agency
GetYourBenefits! Diagnose and Treat Poverty, Dr. Noralou Roos, Manitoba Centre for Health Policy
Get your piece of the money pie, Althea Arsenault, New Brunswick Economic and Social Inclusion Corporation

Scaling tax filing assistance, John Silver, Community Financial Counselling Service (CFCS)
Virtual Tax Filing Pilot, Radya Cherkaoui, Intuit Canada, and Steve Vanderherberg, Woodgreen Community Services
Innovative use of technology for VITA, German Tejeda,

Innovative use of technology for VITA

In this presentation, German Tejeda, National Director of Financial Programs, Single Stop USA, shares results from the Virtual VITA Program in the United States since 2012. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Virtual Tax Filing Pilot

In this presentation, Radya Chaerkaoui, Senior Product Manager and Innovation Catalyst, Intuit Canada, and Steve Vanderherberg, Director-Strategic Initiatives, WoodGreen Community Services, share insights from their Virtual Tax Filing Pilot program. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

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Scaling tax filing assistance

In this presentation, John Silver, Executive Director, Community Financial Counselling Service (CFCS), Winnipeg, shares insights from the low income tax program at CFCS. This program files almost 10,000 returns each year, and also provides tax clinic support to other agencies and delivers detailed training for tax clinic volunteers. 

This presentation is from the session 'Innovations in tax filing assistance', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.



Get Your Piece of the Money Pie

In this presentation, Althea Arsenault, Manager of Resource Development, NB Economic and Social Inclusion Corporation, shares insights from the 'Get Your Piece of the Money Pie' tax clinic program. This program has operated since 2010, and currently files over 23,000 returns each year.

This presentation is from the panel discussion 'National and regional strategies to boost tax filing', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

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Get Your Benefits! Diagnose and Treat Poverty

In this presentation, Noralou P. Roos, Co-Director, GetYourBenefits! and Professor, Manitoba Centre for Health Policy, explains how access to tax filing and benefits is an important poverty intervention.

This presentation is from the panel discussion 'National and regional strategies to boost tax filing', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



A Realist Analysis of Nonprofit Tax Filing Services

In this presentation, Kevin Schachter, Graduate Student at University of Manitoba and Information Manager at SEED Winnipeg, presents a realist analysis of nonprofit tax filing services. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

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Supporting Organizations in the CVITP

In this presentation, Aaron Kozak, ESDC and Melissa Valencia, CRA, present findings from their research on the Community Volunteer Income Tax Program (CVITP). This includes recommendations for structural changes to the program, review of CVITP training, changes to registration, and more. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



The Community Volunteer Income Tax Program (CVITP)

In this presentation, Nancy McKenna, Manager, CVITP, Canada Revenue Agency, explains how the Community Volunteer Income Tax Program (CVITP) works. This includes eligibility requirements, the size of the program in 2017/2018, and partnerships. 

This presentation is from the session 'Closing the tax-filing gap: Challenges and opportunities', at the tax research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Stories from the field: Contextualizing the barriers Indigenous People face

In this presentation, Erin Jeffery, Outreach Officer with Canada Revenue Agency (CRA) shares what the CRA Outreach team has learned about tax filing barriers facing Indigeous People in Canada. These barriers include lack of documentation, lack of trust, access to services, and challenges around accessing Canada Child Benefit.  

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Tax time insights: Experiences of people living on low income in Canada

In this presentation, Nirupa Varatharasan, Research & Evaluation Officer with Prosper Canada, explains the research methods and insights gathered in the report 'Tax time insights: Experiences of people living on low income in Canada.'

This includes demographic information, the type of tax filing resources accessed by this population, and insights on the types of challenges and opportunities that result from their tax filing processes.

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Income tax filing and benefits take-up: Challenges and opportunities for Canadians living on low incomes

In this presentation, Uttam Bajwa, Global Health and Research Associate with the Dalla Lana School of Public Health, University of Toronto, reports on tax filing challenges and opportunities for Canadians living on low incomes. This includes the challenges of not knowing what to do, fear and mistrust, and challenges accessing supports.

This presentation is based on the research conducted for the Prosper Canada report 'Tax time insights: Experiences of people living on low incomes in Canada'.

This presentation is from the session 'Barriers to tax filing experienced by people with low incomes', at the research symposium hosted by Prosper Canada and Intuit, February 7, 2019, in Ottawa.

View all presentations from this event here.



Strengthening retirement security for low- and moderate-income workers

In this video presentation Johnathan Weisstub from Common Wealth discusses recent improvements in senior Canadians' poverty levels due to benefits such as OAS and GIS, and the challenges that still remain in ensuring retirement security for modest-earning and low-income Canadians. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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View the full video playlist of all presentations from this symposium.



Redesigning Social Policy for the 21st Century

In this video presentation Sunil Johal from the Mowat Centre explains how social policy in the 21st century could be redesigned to accommodate the changing nature of work and income in Canada.  

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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View the full video playlist of all presentations from this symposium.



Building consumer financial health: The role of financial institutions and FinTech

In this video presentation Rob Levy from the Center for Financial Services Innovation (CFSI) examines the role of financial institutions in building consumer financial health. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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View the full video playlist of all presentations from this symposium.



Income volatility: Strategies for helping families reduce or manage it

In this video presentation David Mitchell from the Aspen Institute explains strategies for mitigating and preventing income volatility at the household level.  

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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Do we have the data we need to tackle household financial instability?

In this presentation Catherine Van Rompaey of Statistics Canada examines the data we have available to measure financial instability in Canada - household debt, savings, and credit. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.



Neighbourhood Financial Health Index: Making the Invisible Visible

In this video presentation Katherine Scott from the Canadian Council on Social Development (CCSD) shares the new Neighbourhood Financial Health Index, a mapping tool which uses composite data about income, assets, debt, and poverty to show levels of financial health at the neighbourhood scale.

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.



Income and Expense Volatility Survey Results

In this video presentation Patrick Ens from Capital One explains the impact of income and expense volatility on consumers. Capital One found that half of Canadian households surveyed experience some amount of income fluctuation month to month. This impacts their ability to save, cope with emergencies, and other aspects of their lives. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

Read the slide deck that accompanies this presentation.

Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.



Canada’s household balance sheets

In this video presentation Andrew Heisz from Statistics Canada explains the changing household assets, debt, and income levels of Canadians of different age generations.  

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

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View the full video playlist of all presentations from this symposium.

Up Close and Personal: Findings from the U.S. Financial Diaries

In this video presentation Rob Levy from the Center for Financial Services Innovation (CFSI) shares some of the findings from the U.S. Financial Diaries project. He explains how the households in the study experience multiple "spikes" and "dips" in income and spending over the course of a single year.

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

Read the slide deck that accompanies this presentation.

Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.



Income volatility: What banking data can tell us, if we ask

In this video presentation Fiona Greig from the JP Morgan Chase Institute explains what banking data can tell us about income volatility in the United States.  

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

Read the slide deck that accompanies this presentation.

Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.



Household Financial Stability and Income Volatility

In this video presentation Ray Boshara of the Federal Reserve Bank of St. Louis explains how household financial stability has changed in the United States. He shows how education, age, and racial identity influence financial stability and wealth. 

This presentation was given at the Prosper Canada Policy Research Symposium on March 9, 2018.

Read the slide deck that accompanies this presentation.

Pour lire les diapositives de la présentation, cliquez ici.

View the full video playlist of all presentations from this symposium.