Good morning, friends!
The holidays are truly here now – can you feel it? There’s something magical about mid-December when the lights twinkle a little brighter, the cookies taste a little sweeter, and Canadians from coast to coast gather to celebrate everything from community concerts to Christmas markets. Whether you’re bundled up against a Maritime snowstorm or enjoying Vancouver’s milder winter, this week brings plenty of ways to connect with your community and make memories.
Your next CPP/OAS/GIS payment arrives Monday, December 22nd – perfect timing for those last-minute holiday needs. We’ve also got important scam alerts (because fraudsters never take a holiday), events happening across every province and territory, and some excellent travel deals if you’re planning to visit family over the holidays.
Let’s dive in!
Chuckles Corner
“Christmas is a time when everybody wants his past forgotten and his present remembered.” – Phyllis Diller
Senior News Spotlight
Your December 22 Payment is Coming
Mark your calendars: CPP, OAS, and GIS payments will be deposited on Monday, December 22, 2025. If you still receive cheques by mail, allow extra time for delivery during the busy holiday postal period.
Current maximum amounts (October-December 2025):
- CPP maximum: $1,433/month
- OAS (ages 65-74): $727.67/month
- OAS (ages 75+): $800.44/month
- GIS: Varies by income level
Good News for January
OAS benefits will increase by 0.3% for the January-March 2026 quarter, bringing the annual increase to 2.0% over the past year. While it’s not a massive jump, every bit helps keep pace with the rising cost of living.
The quarterly adjustments happen in January, April, July, and October to reflect changes in the Consumer Price Index. It’s the government’s way of making sure your pension keeps up with inflation – even if it doesn’t always feel like enough.
If You Haven’t Set Up Direct Deposit Yet
Now’s the perfect time! Direct deposit means your money arrives safely and on time, no matter what the weather’s doing or how busy Canada Post gets. You can set it up through your My Service Canada Account online, or call 1-800-277-9914.
Scam Alert: Fake “Extra Payment” Websites Targeting Seniors
The CRA has issued an urgent warning about websites spreading false information claiming that low-income seniors are receiving “extra payments” from the Canada Revenue Agency.
Here’s How the Scam Works:
Fraudsters create fake websites with official-looking logos and language describing special benefits for seniors. These sites then direct people to join WhatsApp or Telegram groups where the scammers gather personal information and eventually ask for money or banking details.
Some variations claim you’re eligible for:
- Special “low-income senior” payments
- Unclaimed tax refunds via Interac e-Transfer
- Extra Carbon Rebate payments
- Additional GST/HST credits
Three Things the CRA Will NEVER Do:
- Use WhatsApp or Telegram to discuss your taxes or benefits
- Ask for gift cards, cryptocurrency, or e-Transfer payments
- Threaten immediate arrest or send police to your door
What To Do If You’re Contacted:
- Don’t click any links in texts or emails claiming to be from CRA
- Don’t respond – even to “unsubscribe”
- Don’t share your Social Insurance Number, banking details, or personal information
- Verify independently by logging into your CRA My Account directly (not through any link)
- Report it to the Canadian Anti-Fraud Centre at 1-888-495-8501
Remember: All legitimate information about government benefits comes from official Canada.ca websites or your provincial/territorial government sites. If it sounds too good to be true and involves WhatsApp groups or urgent action, it’s a scam.
Happening Coast to Coast: December 13-21
British Columbia
Vancouver Christmas Market (Until Dec 24, Jack Poole Plaza)
The German-themed market continues with vendors, carousel rides, food stalls and live entertainment. Seniors get 2-for-1 admission on Wednesdays! Regular admission: $6.99-$21.99. Use promo code VBP10 to save 10%.
VanDusen Festival of Lights (Until Jan 4, 2026)
Over a million lights transform the botanical garden into a winter wonderland. Open 4-10pm on event days. Adults $22-$27, Seniors (65+) $19-$23.
Sing-Along Messiah (Sun, Dec 21, 2pm, Massey Hall, Vancouver)
Bring your voice and join in this beloved holiday tradition. Everyone’s invited to sing along!
Victoria & Vancouver Island:
Christmas markets, light displays, and festive events throughout Greater Victoria. Check local community centres for carolling events and holiday teas.
Alberta
Once Upon a Christmas at Heritage Park (Weekends Dec 13-14, 20-23, Calgary)
Step into a winter wonderland with wagon rides, carollers, Santa visits, and the new Heritage Holiday Train experience. A Calgary tradition for the whole family.
Stampede Christmas (Dec 13-14 & 20-21, BMO Centre Plaza, Calgary)
Free cocoa, live music, circus performers, and festive activities. Meet Harry the Horse and enjoy crafts in the outdoor plaza.
Calgary Flames Games (Various dates, Scotiabank Saddledome)
Catch the Flames in action: Dec 13, 14, 19, and 21. Nothing says Calgary Christmas like hockey!
ZOOLIGHTS at Calgary Zoo (Until Jan 4, 2026)
Over 2 million lights and 200 displays transform the zoo. Stay warm by the fire pits between exhibits.
Edmonton:
Check local community leagues for Christmas concerts, craft fairs, and seasonal markets happening throughout the city.
Saskatchewan & Manitoba
Saskatoon Winter Wonderland Sleigh Rides (Dec 20-Jan 8, 2026)
Traditional horse-drawn sleigh rides through winter landscapes. Book ahead as these fill up quickly!
Regina Conexus Arts Centre (Dec 17-19)
Holiday concerts and performances throughout the week. Check their schedule for matinee performances.
Manitoba Museum Pyjama Days (Dec 20-Jan 4, Winnipeg)
Pull on your cosiest pjs and enjoy family fun at the museum. A unique holiday tradition! Closed Dec 24-25.
Winnipeg Art Gallery Free Sundays (Second Sunday monthly)
December 14 offers free admission to WAG-Qaumajuq with extra family activities. A perfect winter outing.
Ontario
TITANIC: The Artifact Exhibition (Ongoing, North York)
Over 200 authentic artifacts and recreated rooms. Seniors (65+) $29.90. Duration: 60-90 minutes.
Sing-Along Messiah (Sun, Dec 21, 2pm, Massey Hall, Toronto)
Toronto’s annual tradition! Bring your voice and join hundreds in this participatory performance.
Distillery Winter Village (Until Jan 4, 2026, Toronto)
The historic Distillery District transforms into a magical Christmas market with vendors, entertainment, and that famous 55-foot Christmas tree.
ROM for the Holidays (Royal Ontario Museum, Toronto)
Enhanced programming, live performances, interactive activities, plus four special exhibitions.
Ottawa:
Parliament Hill light shows, Rideau Canal skating (weather permitting), and Christmas markets in ByWard Market.
Quebec
Neiges: The OM Celebrates André Gagnon (Dec 13-14, Maison Symphonique, Montreal)
The Orchestre Métropolitain performs the timeless Neiges album plus holiday choral works.
Fred Pellerin’s Traditional Holiday Tale (Dec 17-20, Maison Symphonique, Montreal)
The beloved storyteller joins Kent Nagano for symphonic tales featuring the colourful characters of Saint-Élie-de-Caxton.
Glenn Miller Orchestra Holiday Show (Dec 21, Maison Symphonique, Montreal)
Timeless seasonal hits with a swing twist. A spectacular evening of big band holiday music.
Old Montreal Victorian Christmas (Until Dec 19, Sir George-Étienne Cartier House)
Experience a traditional Victorian holiday at this historic house. Perfect for history lovers.
Quebec City:
The Old City transforms for the holidays with lights, markets, and special events throughout the historic district.
Atlantic Provinces
Halifax Evergreen Festival (Until Dec 14)
Holiday light displays, open-air waterfront market in wooden chalets, and live music performances downtown.
Maritime Christmas Markets:
- Windsor, NS (Dec 13)
- Shediac, NB (weekends through December)
- Moncton’s KOLIADA Fest (Ukrainian Christmas) – Dec 7 ongoing events
Saint John, NB & Fredericton:
Community concerts, craft fairs, and seasonal events at churches and community centres throughout both cities.
Charlottetown, PEI:
Holiday concerts and events at The Guild and various venues. Check Tourism PEI for updated schedules.
St. John’s, NFLD:
Known for its legendary holiday spirit! George Street and downtown feature live music, festive gatherings, and that famous Newfoundland hospitality.
Yukon, Northwest Territories & Nunavut
Yukon Crafts Society Christmas Boutique (Dec 5-21, 10am-7pm daily, Old Fire Hall, Whitehorse)
Perfect for unique, handmade gifts supporting local artisans.
Yellowknife:
Northern Arts and Cultural Centre features holiday performances. Check their December schedule for matinee shows.
Iqaluit Christmas Games (Running through New Year’s Eve, Cadet Hall)
Traditional Inuit games and competitions. No events on Christmas Day.
Travel Deals of the Week
VIA Rail Canada Strong Pass (Now Through January 15, 2026)
Perfect timing for visiting family over the holidays! VIA Rail’s Canada Strong Pass offers exceptional savings:
For Families with Kids/Grandkids:
- Children and youth aged 17 and under travel FREE in Economy class when accompanied by an adult
- Use discount code: CANADAFAM when booking
- Valid on all VIA Rail routes across Canada
- Travel dates: December 12, 2025 – January 15, 2026
For Young Adults (Ages 18-24):
- Save 25% on Escape and Economy fares
- Use discount code: CANADA1824
- Valid nationwide
Regular Senior Discount (65+):
- Save 10% on all VIA Rail tickets year-round
- Select “Senior (65+)” when booking
- Valid on most fare classes and routes
Why Train Travel Makes Sense This Winter:
- No driving in snow or ice
- Relax and enjoy the scenery
- More legroom than flying
- Bring luggage without airline fees
- WiFi on many routes
- Arrive downtown-to-downtown
Book Early: Holiday travel fills up fast. Visit viarail.ca or call 1-888-842-7245 (1-888-VIA-RAIL).
Air Canada Winter Sale
Selected routes featuring senior-friendly deals:
- Toronto-Halifax: From $199 one-way
- Vancouver-Calgary: From $149 one-way
- Montreal-Ottawa: From $99 one-way
Check Air Canada’s website for current availability. Book by December 20 for best selection.
Hotel Chains Offering Senior Rates
Many hotels extend special December rates:
- Best Western: 10% off (55+)
- Marriott: Up to 15% off (62+)
- Hilton: Up to 10% off (60+)
- Choice Hotels: 10% off (60+)
Always ask about senior rates when booking – they’re not always advertised online!
Do You Know of a Local Event?
We try to cover the whole country, but we know we miss things! Are there wonderful community events happening in your area that we should know about? Holiday concerts at your local church? A seniors’ Christmas tea? A craft sale supporting a good cause?
Hit reply and let us know! We love hearing from you, and your suggestions help other readers discover what’s happening in communities across Canada.
Next week we’ll have our special holiday edition covering Christmas week activities. Until then, stay warm, stay safe, and enjoy all the festive fun happening in your community!
Warmly,
Bill and Marilyn
Founders of Canadian Senior Moment
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**Bill Gould** spent 43 years as a long-haul truck driver before trading the steering wheel for a keyboard to help fellow Canadians navigate the road of retirement. A freelance writer, published author, and editor of over 50 books, Bill co-founded *Canadian Senior Moment* with his wife, Marilyn, to provide a trusted space for seniors to find clarity, safety, and connection in the digital age. When he isn’t troubleshooting “tech gremlins” or sharing childhood memories of the Prairies, he can be found in his woodshop or working on his latest novel.