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Thursday, December 5, 2013
Recently I read this book and found many chapters are fascination. There are many smart money saving tips we all do not know. It’s a simple, engaging read filled with real-life stories that covers all of the basics Canadians need to know about credit, debt and investing.
The book provides much-needed advice. It points out that today, Canadians are saddled with over 1.4 trillion dollars in consumer debt and less that 75% have three months’ savings in an emergency account. But the book is also filled with nuggets of valuable information that even the most financially astute may be unaware of.
Keehn says many Canadians are surprised to discover that conventional mortgage payments are usually not included in their credit report. “So, it’s even more vital to ensure that credit card payments, loans and lines of credit are paid on time every month as those debts are reported regularly on your credit report.
She also cautions that if any of your accounts end up in collections, even a minor amount would hurt your score.
Pay all your bills on time and order your credit report from Equifax Canada or TransUnion Canada so you can review it yourself.
Most of us are aware of the difference between store credit cards and bank credit cards. But what about the difference between store-issued and bank-issued VISA and MasterCard? If you think the only difference is the rewards offered, think again. Keehn points out those store-issued cards tend to have higher interest rates and aren’t always recognized as major credit cards.
She tells the story of a colleague who tried to use a department store MasterCard to check in at a kiosk at the Toronto airport, and it was refused.
Always travel with a bank-issued credit card as they are more widely accepted.
Keehn says, “Although student loans give you a six-month grace period to begin paying down the loan, interest on the loans starts to accumulate the day you graduate.”
Pay off student loans as soon as possible by continuing to live like a student after graduating to keep your costs to a minimum.
We all know falling behind on our credit card payments means we’ll be hit with interest rate charges. But Keehn points out it can also increase the rate of interest we’re being charged – in the case of one of her clients who was always a few days late, by over 10%.
Always pay your credit card by the due date. If you don’t, some cards will hike your interest rate until you’ve made six months of consecutive minimum payments.
Mortgage insurance is sometimes thought of as life insurance,” says Keehn, but it’s not. While life insurance proceeds are tax-free and payable directly to your beneficiary, mortgage insurance is paid out to the lender to cover only the remainder of your mortgage.
When it comes to insuring your debt, life insurance can provide you with more control than mortgage insurance over the costs and who will benefit.
Last one key piece of financial advice she would like to share with readers after having written The Money Book. She said, “It would be to never, ever look at anyone and compare you financially.
Most individuals have no clued what their friends and neighbours are worth. The advent of easy credit creates illusions that couldn’t exist just a few decades or centuries ago. Not long ago, if you didn’t have the cash for something, you didn’t buy it. Now, you can look very wealthy, but like everything, the time of reckoning eventually comes.”
• How only paying what your credit card company requests might leave you burdened with a balance for decades;
• How to protect your financial identity and how failing to do so could result in a life-long nightmare;
• How to spot and avoid investment scams;
• Why certain credit cards could leave you hungry and thirsty on your next flight;
• Navigating the world of Canadian tax shelters, along with the basics of investing and debt;
• How to repair and maintain your credit score;
• Simple tips for being debt-free sooner;
• Questions, criteria, and biases you need to be aware of when choosing your financial team.
(Source-The Money Book for Everyone Else by Kelley Keehn)
Wednesday, December 4, 2013
Microwaves can pick up smell from the foods that you cook, especially if they get burnt. It is unpleasant to use a microwave that smells bad. Lots of food smells linger in the microwave for a long time. To combat those odors here are some simple tips for removing bad smell form the microwave.
First Tip: Use Lemon Juice
First mix fresh lemon juice and water in a microwave safe cup or bowl and put it into the microwave. Run on high for 2 minutes, and then wait 2 more minutes before removing the mixture.
If the smell continues, you can make a paste with the juice and water mixture and baking soda and scrub the interior of the microwave. Then let this paste sit for 10 minutes the wipe off and rinse. Then my microwave is clean and odor free.
Second Tip: Try Coffee Grounds
Try leaving a small plate with coffee grounds in the microwave overnight. You will see when you open your microwave in morning there will be no bad odor. If this smell still persists, try this process again.
Third tip- Use lemon essential oil
Lots of food smells linger in the microwave for a long time. To combat those odors and leave your microwave smelling fresh, use lemon essential oil. Just put a cup of water into a microwave-safe glass container and add 4 drops of lemon oil. Microwave the bowl on high for 2 minutes; keep the microwave door closed until the water is cooled a little, about 10 minutes.
Fourth tip-Use rubbing alcohol
To removing fishy and burnt smells from a microwave, use a little rubbing alcohol on a cotton ball and rub. This cleans it right up and kills the smell. You may want to leave the microwave open for a few minutes, until the alcohol smell dissipates. Then clean with soap and water.
Fifth Tip- Use cinnamon or vanilla or lemon extract
To get rid of the awful lingering smell of burnt microwave popcorn, fill a large microwave-safe bowl with one cup of water and sprinkle your favorite spice like cinnamon or add several drops of vanilla or lemon extract. Bring to a boil. Let it sit inside for 10 to 15 minutes to cool down. Simply wipe the walls down with paper towels. Leave the door open to further air it out.
Sixth tip-: Use Baking Soda for
For years I have kept a small opened box of baking soda in my microwave oven. I completely remove the top of the box before putting it in the microwave. Things like popcorn, pizza, etc., can leave a smelly microwave oven, and it's such a simple thing to do so the smells vanish. I happened upon the idea one day while I was putting baking soda boxes into my fridge/freezer. And it dawned on me that maybe it would work in the microwave
Tuesday, December 3, 2013
This is my second part of article in which you will see How Social networking Sites are harming our daily lives. In the last article we saw some real examples from web which are showing how Social networking Sites are harming our daily lives. As the popularity of social media sites (such as Facebook, Twitter and MySpace) continues to explode, stories about the danger of social networking are piling up.
You will find how much people are using Social Media to get popularity in weird way.
A fire at a University of Guelph residence Saturday night was part of an apparent suicide attempt that was streamed online, school officials said Monday. A 20-year-old male student, believed to be the person who set the fire, was taken to hospital with serious but non-life threatening injuries. The fire, which broke out just after 7:30 p.m., forced dozens of students to evacuate the residence. The student live streamed his apparent suicide attempt on a video-sharing website.
Anytime something like this happens, we have to step back,” Brenda Whiteside, the university’s vice-president of student affairs, told CTV Kitchener. “Were there things that we missed? Were there things we can do differently?” About 30 students have been temporarily displaced from their rooms at Dundas Hall, part of the university’s East Residence. The university is providing counselling services for students who need it. “The most important thing is they have access to information,” Irene Thompson, the university’s director of housing, said, adding that this time of year is particularly stressful for students as exams approach. “We want to make sure that they have what they need to survive.”
The first few minutes of the video show a male student moving around a dorm room. Then, roughly eight minutes into the video, flames can be seen engulfing a corner of the small room. The video camera continues to run for the next 20 minutes or so until rescue workers arrive. Kate Schievink, a student who was displaced by the fire, said the video is hard to watch. “If you didn’t have anything to do with the incident itself, I wouldn’t watch it,” she said. Alastair Summerlee, the university’s president, is asking all students, staff and faculty to avoid watching the video. In an online message, Summerlee also said that he considers the University of Guelph community a family. “We pull together in times of crisis and to help those in need. Let us continue to support and strengthen one another,” he wrote.
Monday, December 2, 2013
In this article you will see that how in a minute you can do so many exercises which will not only give good health but also happiness.Try any one of these 60 seconds activities to easily reap the healthy benefits
Smiling can actually make you happier. So go ahead—smile!
2. Sit up straighter
Did you know that bad posture can put unnecessary stress on your low back? Take a minute to focus on sitting up straight with your shoulders down and back. Don’t you feel better already
3. Drink a tall glass of water
We all know the many health benefits of drinking water, but did you also know that even mild dehydration can cause fatigue? So, the next time you feel your energy waning, grab a glass of cold water and guzzle it down!
4. Do 20 jumping jacks
Research has shown that long periods of sitting can be detrimental to the body and our overall health. So get up out of that chair and jack it out! Just one minute of jumping jacks is an easy way to get your heart pumping and blood flowing.
5. Take a deep breath
How often do you think about breathing? If you are like most people, you probably don’t think about it often enough. For a quick pick-me-up, simply take five deep breaths. Slowly inhale for at least five seconds and exhale for 10 seconds each time. Your body will thank you for the extra oxygen.
6. Go outside for fresh year break
You’ve probably heard the health buzz about vitamin D lately. Preliminary research suggests that vitamin D helps regulate the immune system, supports heart health, can help normalize blood pressure and promotes healthy aging. Vitamin D has also been linked to improved mood. If you have a minute to spare, step out into the sunshine!
7. Put on a favorite song
There’s nothing quite like your favorite music to perk you up and get you feeling good. Listening to music has been shown to improve immunity and release endorphins. Bonus points if you dance along!
8. Twist it out
So many of us spend every weekday seated in front of a computer. Not only can sitting all day wreak havoc on your posture, but it can also compress your spine and exaggerate its curvature. Not fun. A simple twist can help undo this. As you sit in your desk chair, simply twist your upper-body to one side, hold for 30 seconds, and then repeat on the other side. If you have the space to sit on the floor, try this torso twist stretch. It’s guaranteed to make you feel better!
9. Be grateful
Write down five things you’re grateful for, no matter how large or small (your hair, your family, and your morning cup of Joe— whatever). Do you feel more thankful, generous and overall happier after? Funny how a little reminder of what we have can turn a frown into a smile.
10. Joke around for fun
Awake your inner child and tell a silly joke—whether it’s a knock-knock joke or even a funny line from a movie. Anything that gets you laughing is enough to get your happy endorphins flowing!