service from a TD Mobile Mortgage Specialist

At TD Canada Trust, we work hard to provide you value, exibility and convenience when choosing your mortgage. Not only will you get competetive rate and the most innovative selection of mortgage features available, you will get the TD Canada Trust di erence.

Before renewal, new mortgage or second mortgage, please feel free to contact us for expert advice. We will help save your money.

Neetu Bedi Manager, Mobile Mortgage Specialist

Lower Mainland

C : 604-379-7212 F : 1-855-267-7836 E : Neetu.bedi@td.com track. Hence keeping a resolution journal, where you write about your goals, and track your progress, struggles and success with it can be helpful. Dr Kloubec says. “Honest reflection can help you to see how you may be sabotaging yourself or to recognize patterns of behaviour.” Each week, take some time to reflect on what you have accomplished and what still needs to be done. This will help you to stay focused and motivated. A resolution journal can be a great way to hold yourself accountable and increase your chances of success. So, why not give it a try?

Reward Your Small Achievements

We understand that sticking by your longterm goals isn’t a cakewalk, but what nudges you to continue with your resolution process is your ability to celebrate smaller successes along the way. Recognizing and rewarding your small accomplishments will keep you motivated and help you stay on track with your resolution for the year. One way to do it is to set a reward system for yourself. However, this doesn’t mean you gobble down an entire packet of chips, especially if your resolution is to adopt a healthier habit, instead treat yourself to something that you enjoy and which doesn’t interfere with your resolution. For example, after a dedicated two weeks workout session at the gym, reward yourself with new fitness clothes, a good book, new music or a movie.

Don’t Be Too Harsh On

It is human to make mistakes, hence it is important to remember that an occasional slip is absolutely okay. One misstep shouldn’t undo all the efforts you put in towards your goal. Take each day at a time, and do your best. Don’t be too harsh on yourself, mistakes are a part of the process so don’t spend days feeling guilty. Rather learn from your mistakes and avoid repeating them. According to a survey, it is reported that people who succeeded in maintaining their resolution often had that occasional slip but instead of giving up, they grew more determined to pursue their goal.

Believe in Yourself

Lastly, remember that nothing can be achieved in life until and unless you believe in yourself and your capabilities. If you want to achieve your new year’s resolution, then believe that you are capable of accomplishing your goals. You need to be confident about yourself, to make things happen.

Glow Langley

The most anticipated holiday event of the season kicked off in Langley. At Glow Langley, guestsexperienced a family-friendly outdoor Christmas festival with towering light gardens and magical landscapes all under the magic of more than a million lights. Attractions included a kids scavenger hunt, food trucks, a holiday train ride, pictures with Santa and a meet and greet with princesses and a giant warmed tent space with live performances and delicious holiday beverages.

Dejardins Financial Security Independent Network

The Dejardins Financial Security Independent Network Excellence Awards took place on January 7, 2023. DFSIN continued its tradition by recognizing the hard work and dedication of all its employees. Thus a special evening was organized in their honour.

Concord Pacific

Darpan Cruiser In Your City was at Concord Pacific Developments Inc’s Metrotown Centre Concord Pacific Metrotown Centre to celebrate their “Homes for the Holidays” promotion launch. The event showcased several real estate projects for Burnaby, Surrey, and Richmond, highlighting unique features of the various buildings.

Consulate General India Vancouver

Consulate General of India in Vancouver hosted an annual get together of mainstream ethnic media from the Vancouver area. Discussions focused on Govt of India’s achievements and policies, India’s G20 Presidency, AKAM & Consulate activities, trade, and investment opportunities, bilateral developments and the role of the Indian diaspora at large.

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By Shweta Kulkarni

Mood disorders, anxiety and depression are very common today and surprisingly one of the root causes for it is nutritional deficiencies. Read below to know how improper nutrition can impact your mental health.

Ever experienced a strange unexplained moodiness and sadness? Or noticed a sudden lack of energy and drop in motivation?

Well, you may not be in need of any mood-uplifting antidepressants, rather it could be that you are missing out on some essential nutrients. One can’t refute the fact that food plays a crucial role when it comes to our mental health, yet far too often we overlook the importance of proper nutrition in favour of quick, convenient meals that offer little in the way of nutritional value. From Omega-3 fatty acids to iron, a lack of certain vitamins and minerals can alleviate symptoms of anxiety, depression, and other mental health concerns. Hence, taking the time out to identify and address our nutritional deficiencies can be an important step towards improving our mental health and overall well-being. Here’s a look at some of the important nutritional deficiencies that could be impacting your mental health and mood.

Omega-3 Fatty Acids

Omega-3 fatty acids are a type of polyunsaturated fatty acids, which are known to reduce inflammation and play a crucial role in proper brain functioning. Studies have shown that dietary deficiencies of omega-3 fatty acids can not only cause anxiety but also increase the risk of developing various psychiatric disorders, including depression, bipolar disorder, schizophrenia, dementia, attention-deficit/hyperactivity disorder, and autism. So, what’s the best way to ensure that you don’t fall short on this essential mineral? Well, load your plates with fatty fish like salmon, mackerel, herring and sardines whenever possible. Vegetarians don’t need to stress, as these healthy fats can be found in walnuts, flaxseed and chia seeds as well.

Iron

The role of iron in our physical health is well established, however, its role in our mental health is increasingly becoming evident now. While iron is needed for the production of red blood cells and regulating oxygen transport around the body and to the brain, it also helps to create feel-good hormones like serotonin and dopamine. An iron deficiency can lead to symptoms similar to depression, and extremely low energy levels. Hence it is important to keep your iron levels up-to-date. And what better way to do that than by consuming more iron-rich foods such as spinach, pumpkin seeds and tofu. It’s important to note that iron from plant-based foods is not as easily absorbed as that found in meat, so vegans and vegetarians may need to take a supplement. However, do consult your doctor before starting any supplements.

Amarpal Singh

A Mortgage That Works For You

Folate

Folate is a B vitamin that is needed for the production of neurotransmitters, the chemicals in the brain, which play a vital role in regulating our mood and energy levels. Then obviously a folate deficiency can affect your mental health and mood and increase the risk of depression and anxiety. Again food is the key to maintaining proper folate levels in the body. Folate is found in foods such as spinach, broccoli, asparagus, avocado, and eggs. A lot of the foods that contain folate are also high in saturated fat. This means that people who are on a low-fat diet may have to take an extra supplement.

Vitamin B12

Vitamin B12 is renowned for providing some incredible health benefits, including maintaining a healthy nervous system. A deficiency of Vitamin B12 can cause neurological and psychiatric problems, which can further lead to irritability, changes in personality, depression, and memory loss. Low levels of Vitamin B12 can also worsen depression and anxiety issues. Vitamin B12 is found in foods such as salmon, liver, eggs, and fortified cereals. Vitamin B12 is not absorbed as well from plant-based foods, which means that vegans and vegetarians may need to supplement with a higher dose.

Zinc

If you are facing strange and sudden mood swings, chances are you have a Zinc deficiency. Zinc is a mineral, which is crucial for our immune system and the health of our nervous system. Clinical studies have found that patients suffering from depression have low zinc levels and low levels of this mineral are one of the primary causes of clinical depression. Low zinc levels can also lead to irritability, emotional instability, and induced deficits in social behaviour. The best way to give a boost to zinc levels in our body is by ensuring that we consume zinc-rich foods like oysters, pumpkin seeds, almonds, and spinach. Zinc supplements are also available in pharmacies, however, like any other supplements, it is recommended to consult your doctor before starting any supplements.

Magnesium

Magnesium deficiency can be a big problem as it is an essential mineral, which is needed for many bodily functions including our mental health. Magnesium is important for the formation of neurotransmitters, which impact our mood and mental health. It’s also needed for the production of energy and the regulation of blood sugar. A magnesium deficiency can lead to feelings of fatigue, as well as feelings of anxiety and depression. Almonds, spinach, and avocado are good sources of magnesium, which should be included in our diet regularly.

Vitamin D

Vitamin D is responsible for the production of adrenaline, noradrenaline, and dopamine, it also aids hormonal balance, hence it plays a vital role in the regulation of our moods, immune system and nervous system. Vitamin D deficiency is linked with depression, mild Alzheimer’s, altered sleep patterns, mood issues, and fatigue. While sunlight is the primary source of vitamin D for our body, vitamin D is also found in a small number of foods such as egg yolk, fatty fish, red meat and mushrooms.

Iodine

Iodine is a mineral that is needed for healthy mental and physical development. An iodine deficiency can lead to an increase in mood disorders such as depression and anxiety. It’s also important for the proper functioning of the thyroid gland, which can lead to a decreased metabolism and low energy levels. You can get iodine by using an iodine-enriched salt or by eating foods such as fish, dried seaweed, eggs, shrimp, and dairy products.

Calcium

Since we were kids, we have heard that calcium is essential for healthy bones and teeth. But apart from being a vital nutrient for our bone health, calcium levels in our body also have a major impact on our mental health. Calcium deficiency can often lead to feelings of anxiety and depression as well as an increased risk of mood disorders. Calcium is found in foods such as dairy products and broccoli.

Disclaimer: Talk to your doctor before taking any supplements, especially if you are on prescription drugs.

Discover your best complexion by ditching old skin cells

f you’re wondering how to achieve brighter, smoother, clearer, softer, glowier skin, it’s really quite simple: Exfoliation. Incorporating this step into your beauty routine is the optimum way to reveal your best complexion. “When we’re babies, the dead skin cells at the top layers of our skin slough off easily; as we age, that function slows,” explains Jean Godfrey-June, Beauty Director at goop. “That’s why babies’ skin looks so beautiful: dead skin cells that stick to skin leave it looking uneven and dull, and the cells themselves can clog pores. And skin treatments—even just plain moisturizer—have a harder time getting into skin to do their work when dead skin cells, dirt, and debris are in the way.”

Exfoliation helps to open pores which helps to reduce acne breakouts, says Dr. Jason Rivers, board-certified dermatologist and founder of Riversol skin care brand. Other benefits of exfoliation, Rivers says, are a reduction in uneven skin tone and hyperpigmentation. It can also produce collagen stimulation.

“The mild disruption of the skin barrier will also allow other agents (e.g. serums) to penetrate the skin to some degree, potentially enhancing their benefits,” Rivers explains. Certainly, the reduction in surface skin cells from the upper most layers of the skin (stratum corneum) will make the skin smoother which makes the skin appear brighter and allows for the more even application of makeup.”

There are two ways to approach exfoliation: using a scrub which has small particles that work to “scrub” away the dead cells or a chemical product that lifts them away.

“Physical exfoliants— anything from a washcloth to a scrub containing beads or small granules that you massage into your skin manually—use grit or texture to sweep away the top layer of cells,” Godfrey-June says. “They can feel really nice on skin—or can be too intense, depending on the product and your skin. The only real downside is using irregularly-shaped particles (think the really harsh apricot-kernel-type scrubs of

By Michele Marko

the ‘90s) can cause micro tears in skin, which can disturb the skin’s natural barrier.”

Chemical exfoliators, which are acids, help to dissolve the bonds holding skin cells together, Rivers says. The most common ones are alpha hydroxy acid (AHA), beta hydroxy acid (BHA), and polyhydroxy acid (PHA) or fruit-derived ones.

So how to choose the right one for your skin? Rivers says chemical exfoliators are generally safe to use on dry to normal skin but recommends for those with sensitive skin, “a test area should be tried first before using the product over large areas of skin.” If the skin reacts negatively, rinse it off immediately.

For acne-prone and oily skin, Godfrey-June says both physical and chemical exfoliation can work. “If you get breakouts often, use chemical exfoliators to fight the oil and acne from a deeper level in the skin. AHA and BHA acids (like salicylic, lactic, and glycolic) will be most effective. Use a physical exfoliator—one with fine, even particles—and avoid abrasive physical exfoliators with harsh grains.”

For sensitive skin she suggests a PHA chemical exfoliant, which is gentler on skin than AHAs or BHAs, “or a mild, gentle, even-particled physical exfoliant will efficiently remove dead skin cells but are less likely to irritate skin.” Once your skin is acclimated, you can slowly introduce AHAs and BHAs and stronger physical exfoliants to your regimen. AHAs, she says, work well for dry skin and if you experience any stinging, just rinse the product off, and adds that physical exfoliants or a combination of both can also be effective. “The best time to exfoliate is in the evening,” advises Rivers. “Skin does need to recover, that is why you should not use these products daily.” He suggests only exfoliating your skin two to three times a week but if you have very dry or sensitive skin, it should be limited to once a week. After exfoliation, Rivers says apply a serum and/or a moisturizer but advised not to use “any toners as this will reduce surface oils further and could lead to skin irritation.”

Godfrey-June advises that you ensure that your moisturizer doesn’t contain any exfoliant ingredients like Vitamin C which is a mild exfoliant. It shouldn’t be used after exfoliating with strong products. “And even if you’re using it after exfoliating with less-powerful products, watch how your skin reacts.”

Exfoliating makes skin more sensitive to sun exposure, so wearing a sunscreen is vital to both protecting your skin and avoiding any irritation. “If you don’t wear it, you’re undoing all the benefits you just gained with exfoliation.” Godfrey-June says.

By Shweta Kulkarni

Attention fashionistas! Get ready to build on to your wish list, because the must-have fashion trends for 2023 have been unveiled! And the good news is, this year’s trends certainly don’t disappoint. From bold and vibrant colours to eco-friendly clothing to a return to 50s style, there are a lot of possibilities for what we’ll be wearing in the coming year. So, read on to know all about the hottest trends that shall reign in 2023, and stay ahead of the fashion curve this year.

Bold And Vivacious Hues

2023 is about vibrancy. And designers across the globe have made it clear that the bold and vibrant colour trend from last year is here to stay in 2023 as well. Expect to see a mix of bold colours such as purple, red or neon shades. Shades of pink will be ruling and should be your go-to colour if you wish to make a statement. Popular trending pieces like super-sized hoodies, bold coats, oversized blazers, dresses in loud colours will dominate the fashion universe in 2023. So, hug your bright clothes dearly this year as well.

Sustainable Fashion

With more and more people becoming eco-conscious, sustainable fashion, undoubtedly, is taking centre stage this year. Several fashion houses are shifting their focus towards not only using sustainable materials but also curating lasting styles. This has led to the rise of vegan materials, such as faux leather and faux suede, as well as the use of sustainable fabrics such as linen, bamboo, and hemp. Brands such as Timberland and Patagonia have already taken steps in this direction, with Patagonia even going as far as to ban the use of animal fabrics in their products. With consumers becoming more and more aware of the importance of sustainable fashion materials, sustainable fashion will likely be the biggest fashion trend in 2023. So, own your fashion with responsibility this year.

Oversized Blazers

With oversized shoulders, exaggerated sleeves and new silhouettes, oversized power blazers have become a fashion favourite of late and this popular trend from last year has effortlessly glided into 2023 as well. The supersized blazer first caught everyone’s eye on runways like Balenciaga, Khaite, and The Row, and ever since has made it as an official wardrobe staple. Extremely versatile, an oversized blazer can be paired with classic jeans, coordinating trousers or even with dresses to create head-turning formal to fun casual looks.

Utility Wear

Baggy Jeans

It’s time to bid goodbye to skinny denim and welcome 2023 with baggy jeans. From streetwear brands to highend designers, everyone has jumped onto the baggy jeans trend. The baggy jeans are already hyped so much that they will likely become a staple in your wardrobe in 2023.

Sheer

Talk about Sheer joy in the fashion industry and almost every top fashion brand from Miu Miu and Valentino to Bottega and Cecilie Bahnsen to Susan Fang and Sinead O’Dwyer is enjoying their brush with this risqué yet classic fabric. Sheer fabric has been having its moment this year and it is simply impossible to escape the sheer trend this year. Whether it is in the form of chic skirts and bottoms, fitted fancy tops or mesh dresses – Sheer not only adds drama but is also chic. No wonder, it is ruling the fashion circuit this year.

Comfort-loving fashion-savvy folks can rejoice as their beloved cargo pants are still going to run strong in 2023 as well. Nothing spells elegance and comfort better than utility clothing and for 2023 designers have further enhanced the look with sophisticated utility jackets and stylized cargo pants. Major fashion houses like Miu Miu and Louis Vuitton have explored the utility trend on runways and given us a ton of utility inspiration for 2023.

Acid Green

Acid green is a vibrant and bold colour that is making a huge comeback in 2023. Originally popular in the ‘70s, this colour has recently made a re-entry in the form of athleisure and streetwear. It’s the perfect colour to pair with bolder prints and make a style statement. Acid green also works great with fabrics such as knits and silks.

Drop Waist Dresses

The popular 80s trend has made a triumphant comeback in 2023 and looking at the way all major fashion brands have fallen for it; one thing is for certain, this trend is here for the long haul. Perfect for a day outing as well as evening wear, drop waist dresses are comfortable and chic and a must-have in your wardrobe this season.

Asymmetric Hems

Asymmetric hems are another key fashion trend that is only set to grow in popularity this year. Fun and experimental, this trend is perfect for adventurous fashionistas. Best suited for casual attires, asymmetric hems can be seen on everyday pieces like dresses, joggers, skirts or even denim.

We carry a large selection of designer & fashion sunglasses, frames, contact lenses & accesories

2023 is the time to shine! From Valentino and Gucci to Balenciaga and Michael Kors, all top designers have gone all the way in the sparkle department, infusing high-shine metallics and glitter into a majority of their silhouettes created for this season. Be it head-to-toe looks or mere details, shimmer and sparkle can be seen everywhere this year. Right from gold, silver or coloured versions shine can be seen on unlikely items like jeans, blazers, shorts, pantsuits, and of course, on an endless number of jaw-dropping dresses this season.

Corsets

Corsets are a new love. Celebrities and Gen Z are already lapping up this hottest trend of 2023 and we think no one should be left behind in embracing this uber-cool trend. Extremely chic and versatile, a corset can be styled with minimalistic midi skirts, low-rise pants, cargo pants, baggy jeans or simply along with your fav pair of denim.

Bubble Skirts

Bubble skirts were extremely popular in the 1950s, with many celebrities including Marilyn Monroe being huge fans of the trend. But with the emerging fashion trends, the bubble skirts trend soon fell out. However, come 2023 and one can see the resurgence of this bubbly trend. While bubble skirts are typically knee length, this year they come in many different variations, such as knee length and mini length, fun hemlines, and in a pop of eye-catching colours. Talk of a grand return and bubble skirts have nailed it!

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