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Vol. 34 No.1 January 2014

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Vol. 34 No. 1

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Automotive...............................................................................................................................9 Consumer Informtation........................................................................................................10 Environment & Nature..........................................................................................................11 Families & Children...............................................................................................................12 Finance & Business................................................................................................................29 Food & Nutrition....................................................................................................................13 Generation 50+......................................................................................................................16 Health & Safety......................................................................................................................18 Home & Garden.....................................................................................................................25 Human Rights.........................................................................................................................27 Lifestyles...................................................................................................................................3 Personal Finance....................................................................................................................29 Travel & Destination..............................................................................................................35

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LIFESTYLES How to regift old electronics after new gadget gifting (NC) Tech gadgets are always a popular gift for a loved one or personal pampering over the holidays.

And while we personalize settings and try out new features, we may not stop to think about what becomes of the gadgets that were replaced.

“We love to keep pace with brighter, faster, shinier electronics, but the purchasing the latest tech gear often leaves other smartphones, notebooks, laptops or cameras tucked away in drawers and closets,” says Sandra Pakosh, Director, Communications of Ontario Electronic Stewardship (OES). “It’s important to remember that there is still some value in those old items if they are reused and recycled properly, and in Ontario we’ve made it convenient for people to do just that through our province-wide network of dropoff points called RecycleYourElectronics.ca.”

This holiday, keep “leftover” electronics from gathering dust or ending up in landfill by following these simple tips:

Donate: Holidays are the season for giving.

What better way to celebrate that sentiment than by donating the laptop or television still in good working condition to those in need. There are charities, churches and associations that donate electronics to local schools, shelters and community groups to name a few.

Give Away to Family & Friends: Did you get a shiny, new tablet upgrade? The one you replaced still works (it’s just not pink). Your friends and family would be more than happy to take last year’s model (the black one) off your hands.

Sell: There are lots of web sites that make selling your out-of-use electronics quick and easy.

Recycle: Electronics contain substances of concern that can harm our waterways, roadways and eco systems if not disposed of properly. In addition, they also contain metals, glass and plastic that can be turned into raw materials for future production of new products. By resolving to

Making a green New Year’s resolution?

(NC) January marks the beginning of a new year–a fresh start to achieve goals and let go of past behaviours. While the most popular resolutions are often to get our bodies or bank accounts in shape, this time of year is also a good time to look at getting our personal space and environment in shape.

The team at RecycleYourElectronics.ca, operated

by Ontario Electronic Stewardship (OES), has put together some resolutions heard by enthusiastic Ontarians at our community collection events.

1. I will unplug my charger when I unplug my device to minimize energy usage (since my charger still draws power from the outlet).

2. I’ll invest in a power bar with a timer and auto shut off (these can reduce the use of electricity drawn when electronics are left plugged in or in stand-by mode).

3. I resolve to declutter my closets and drawers of tech gadgets I no longer use or want.

4. I will not throw unwanted electronics in the garbage.

(381 words, Ont only) do our part by donating still functioning devices for reuse, or recycling electronics using OESapproved service providers, we can enjoy the fun and benefits of gifted gadgets.

RecycleYourElectronics.ca offers an easy-touse collection site locator. The service is free and continues to expand with more than 96 per cent of Ontarians living within 10km of a drop-off point.

To learn more about the proper reuse and recycling of electronics, electronic items accepted, and locate the OES-approved collection site nearest you, visit www.recycleyourelectronics.ca. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

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5. I’ll donate working laptops or computers, still in good condition, to those in need.

6. I will take reusable laptops or computers to be refurbished or have good working parts put to reuse. Visit RecycleYourElectronics.ca to find a responsible “Reuse” collection site. Results can be filtered by those locations using the “Reuse” icon in search lookup.

7. I will make an effort to drop off old or kaput electronics for recycling at a responsible and approved OES collector. Visit RecycleYourElectronics.ca for the approved list of accepted electronics, and to find your closest collection site.

8. I resolve to recycle everything that is recyclable.

“There are lots of other ways for Ontarians to do their part to get our personal spaces and environment into shape,” says Sandra Pakosh, Director, Communications of OES. “Diverting e-waste from landfill is one clean and green resolution that will help keep Ontario beautiful in 2014.”

How to dress up your smile for the New Year

Electronics contain substances of concern that can harm our waterways, roadways and eco systems if not disposed of properly. In addition, they also contain metals, glass and plastic that can be turned into raw materials for future production of new products. By resolving to do our part by donating still functioning devices for reuse, or recycling electronics using OES-approved service providers, we can enjoy the fun and benefits of gifted gadgets.

Recycling your electronics is free and more convenient than ever. More than 96 per cent of Ontarians live within 10km of an OES-approved collection site. Visit www.recycleyourelectronics. ca to find your nearest drop-off point. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

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More than half of Canadians rank a great smile as the top attraction when meeting new people. Here’s how to make your smile a star.

(NC) The New Year is the time for goal setting, personal rejuvenation, and feeling your best.

According to a study conducted by Philips Sonicare a great smile is the feature 53 per cent of Canadians find most attractive when they first meet someone. Beauty expert Janine Falcon shares a few tips on spotlighting yours that will help you sashay through the new year.

• Winter-proof your lips to keep them smile-ready. Buff away dry patches with a washcloth dampened with hot water, then immediately apply a buttery, squeezetube lip balm rather than a waxy stick.

An emollient formula such as Jack Black

Intense Therapy Lip Balm SPF 25 blankets even cracked lips with a soothing layer of conditioning protection.

• Keep teeth in top shape with a solid regimen that includes brushing twice-daily, flossing before bed, and an antiseptic mouthwash every day. Use a high-tech power toothbrush such as the Philips Sonicare DiamondClean, which is clinically proven to deliver whiter teeth in just one week.

• For those of us who forget to floss on a regular basis, try the Sonicare AirFloss, which cleans between teeth with micro-bursts of air and water. You can do your whole mouth in 30

seconds. Get your mouthwash step in at the same time by substituting it for water in the reservoir.

• Women should wear bright lip colour with a blue undertone to make teeth look their whitest. Try long-wearing Make Up For Ever Aqua Rouge #8 Iconic Red, a universallyflattering shade.

• Stash a portable whitening pen in your purse for stealth smile brightening. The Philips Zoom Whitening Pen is ideal to quickly enhance your smile. www.newscanada.com

Find these articles at www.newscanada.com January 2014

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LIFESTYLES Five things you need to know about Canada’s Olympic hockey jersey (327 words + 1 photo)

(NC) For generations, kids have grown up dreaming about putting on the Team Canada Olympic hockey jersey and representing their country.

At the 2014 Olympic and Paralympic Winter Games in Sochi, Russia, Canadian athletes on the men’s, women’s and sledge hockey teams will realize their dreams when they slip on any of the three new jerseys that were designed by Nike to showcase Canada’s national pride and unique passion for the sport.

Here are five interesting facts about the new Olympic hockey jerseys that you can share with friends while cheering on Team Canada this February: • The jerseys are incredibly light: With lighterweight crests, numbers and letters that are heat transferred instead of stitched, the Team Canada

jersey weighs just 448 grams and is 15 per cent lighter than those worn in Vancouver in 2010.

• The jerseys are green: Don’t worry. While the actual jersey colours are red, white and black, all three versions are made from 73 per cent recycled polyester as part of Nike’s commitment to produce performance apparel with reduced environmental impact. In fact, each jersey is made from up to 17 recycled plastic water bottles.

• The jerseys celebrate Canada’s rich hockey history: Inside each jersey’s collar, you will find 12 gold maple leaves to represent Hockey Canada’s total number of Olympic and Paralympic gold medals – eight in men’s hockey, three in women’s and one in sledge.

• The jerseys are inspired by the past: To help design Canada’s jerseys, Nike employees combed the archives of the Hockey Hall of Fame in Toronto.

In addition, the jersey Team Canada wore in the 1920 Olympics was even brought to the Nike Campus and was one of the inspiration points for the black jersey.

• Prepping for the Gold: The gold piping on the badges and gold maple leaf on the shoulders were included to remind the world of Canada’s goal to win gold medals in Sochi.

More information is available online at www.nike.com. www.newscanada.com

Cold Canadian winter not slowing down dedicated runners (NC) While some spend winter hibernating on the couch, a growing number of Canadians are hitting the snow-covered streets for thrilling – and certainly “chilling” – runs.

Foregoing the warmth of a gym’s treadmill, these runners view winter’s cold and unpredictable conditions as part of the fun. However, experts do advise winter runners to take the necessary precautions to stay protected from both the elements and traffic.

“It’s important for winter runners to wear footwear that is reflective, warm and waterresistant,” says Claire Rankine, Communications Director at Nike Canada. “This way you won’t have to cut your run short if you step in slush or deep snow, and you remain highly visible to drivers who might not expect to see someone out running in the cold.”

Rankine recommends the Nike Flash Pack, a water repellant line of shoes that sport a unique reflective print that hides subtly during the day before coming alive under nighttime lights to help runners stay visible.

She also advises winter runner to dress warmly and wear multiple layers.

“One challenge of winter running is finding, and remaining at, the right level of warmth in changing climates,” says Rankine. “You’ll want to find a water-resistant, reflective coat that integrates special details tailored for runners such as hand warmers that pull down from the sleeves and runner-specific hoods that stay put to help keep ears warm in inclement weather.”

To stay motivated during Canada’s long winter, Rankine also recommends a Nike+ FuelBand SE, which allows her to keep track of runs and

Six core moves for staying fit in the New Year (NC) Women looking to fulfill their New Year’s fitness resolutions can forego crowded gyms and expensive home equipment in 2014, and instead focus on six core moves for getting in shape.

Canadian fitness expert Eva Redpath recommends the Nike Training Club (NTC) mobile app as a convenient and effective way for women to Get Lean, Get Toned and Get Strong with 15, 30 and 45-minute goaloriented workouts at Beginner, Intermediate and Advanced levels.

“With the app, women can get a full-body workout that was developed by professional trainers,” says Redpath, Canada’s first and only NTC Master Trainer. “Best of all, you can exercise on your own schedule without purchasing a home gym, fitness club membership, or a personal trainer.”

compare her progress with friends.

“Wearing reflective footwear and jackets to stay warm and dry will help keep you running throughout the winter,” says Rankine, “but it’s always much easier when you can share your progress with friends and cheer each other on.”

More information is available online at nike.com. www.newscanada.com

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Redpath says the exercise program focuses on six core moves: • Lunge: The perfect lunge takes stability and balance and is key to quick movement and core stability, using abs, butt, hips and thighs.

• Squat: The king (or queen) of exercises, it requires everything from balance to support and traction, helping build core, back and lower body strength by engaging the body’s biggest muscles.

• Push: The push helps strengthen the core and back, helping alignment, stability, strength and traction by engaging muscles from the chest and arms through the back, core and legs.

• Pull: Combining stability with range of motion, the pull helps develop upper body strength— typically women’s weakest point— and engages muscles in the arms and core.

• Bend: Whether you’re doing a downward dog or a dead lift, glutes, hamstrings and even the hip flexors at the front are all strengthened as you bend from the hips.

• Rotate: We don’t just live (or move) in two dimensions, not just forward and back or side-to-side. Rotating requires shifting weight while developing core strength and stability throughout the body.

For added motivation that can turn your resolution into a permanent lifestyle choice, Redpath recommends the new Nike FuelBand SE, which allows users to track their movement – from morning workout to big night out— and share and compare their fitness goals and progress with friends.

More information is available online at nike.com.

Find these articles at www.newscanada.com 4

January 2014

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LIFESTYLES Simplicity helps to achieve your 2014 fitness goals (NC) This year, plan an exercise routine that is exactly right for you.

Many of us use the New Year as the starting point on our journey to a healthier and more active lifestyle. However, this new found commitment can result in disappointment, if not equipped with the right approach.

For over 34 years, David Patchell-Evans, the founder and CEO of GoodLife Fitness – or Patch as he prefers to be called – has helped millions of Canadians achieve their health and fitness goals.

“The majority of us who are not achieving the recommended amount of exercise, see people in magazines or on television doing aggressive, high intensity workouts and it intimidates them,” says Patch. “The reality is that simple moderate

exercise 2-3 times a week is all you need for a healthier, happier life.”

When asked what tips for success he’d give those looking to live healthier in 2014, Patch provided the following three tips with an overarching theme: Keep it simple.

Set one goal at a time and make a plan to achieve it. By being focused, you’ll discover that the benefits of exercise reach far beyond your initial goal. When you succeed, take time to celebrate and then set another goal!

Walk before you run literally and figuratively.

Starting with a proper foundation is so important.

Trying new exercises when your joints and muscles have weaknesses or imbalances can cause injury and stop you from getting into a regular routine.

Fitness success depends on action, not words (NC) A New Year’s resolution is a personalized promise to make a positive change on the first day of January – and no resolution is more popular than losing weight, or being more active. So why have so many of us abandoned this promise by the first day of February?

“Three of the biggest reasons for this,” says Michele Colwell, the vice president of personal training with GoodLife Fitness, “is that people often underestimate the need for a plan, they never find someone to hold them accountable to that plan, and they never establish an emotional connection to their goals.

“The first step is to write it down,” continues Colwell. “Writing down why you want to achieve your goals,d what you will lose if you don’t start, and what you will gain when you do, makes a

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significant difference in whether you accomplish and even exceed your objectives,” she adds pulling on her 25 years’ experience in the fitness industry.

Colwell’s next tip is speaking with an experienced personal trainer to create a progressive plan and timeline to achieve your goals—doing this can double your chances of success. “A skilled personal trainer will provide a personalized plan that combines a variety of strength training, cardio, and flexibility training. All essential components in helping you achieve your goals.”

Another recommendation is to stop micromonitoring your results. “Choose when you will look at the scale or your measurements,’’ says Colwell. “Small day-to-day fluctuations will happen but you can’t let that discourage you from long-term achievements.”

Fitness tips from people who have changed their lives (NC) Instead of drowning in a flood of diet and exercise advice from the Internet, take a look at this snapshot of three inspiring Canadians who have transformed their lives with basic good sense – and with a little guidance, they say, from the pros at GoodLife Fitness: Lindsey, from Abbotsford BC: Lindsey started her journey weighing 485 lbs. Her doctor gave her two recommendations: gastric bypass surgery, or diet and exercise. Lindsey decided to try exercise and felt that doing it as a group was fun and motivational. She lost 227 lbs. and transformed her life. Lindsey’s Tip: “My tip is to believe that anything is possible if you’re willing to take baby steps. Start small and work your way up,” Joanne, from Sudbury, Ontario: After experiencing two strokes at the age of 19due to her weight, Joanne realized that changing her health was the key to changing her future. When she first joined GoodLife she felt uncomfortable with the other members ,

Make sure to have fun. Go for a walk with friends, hop on the treadmill, or attend a group exercise class , whatever makes you smile and brings you enjoyment is going to help you stick with it.

Additional ideas on setting and achieving your fitness goals can be found online at www.blog.goodlifefitness.com.

but then came to an important realization: “I decided to make a change in my thinking,” she said. “I went from envy or dislike to praise and respect; I began to look up to them.” Having lost 115 pounds, Joanne is now preparing for a bodybuilding competition. Joanne’s Tip: “If you’re going to start your own health and fitness journey, remember to tell yourself that there will be times that you are going to falter a little, and that’s okay. Old habits can stray you away from your goal, but knowing you will make it up means you are on the path to success.”

Karen, from New Glasgow, Nova Scotia: Karen, a grandmother of 2, had chronic pain.

Her goal was to lose weight, but she worried about additional pain from exercise. She started working with a personal trainer who showed her the importance of building muscle mass. After working together for six months, Karen lost 47 lbs. 36.5 inches, 14% body fat, and the pain in her body was significantly reduced. Karen’s

Her final piece of advice is to not rely on a quick-fix workout scheme or diet plan. “It takes a commitment of a minimum of six months of consistent activity to create lasting change.

Creating a plan can help you experience long-term success.”

Additional ideas on setting and achieving your fitness goals can be found at www.blog.goodlifefitness.com. www.newscanada.com

(440 words + 1 photo) Tip: “I think the key to this journey is to take one day or week at a time.

You would like the weight to fall off immediately, but the reality is it takes time.”

M o r e information about these three inspiring stories can be found at: www.blog.goodlifefitness.com. www.newscanada.com Photo Caption: Lindsey from Abbotsford BC has lost 227 lbs. and wants others to know “anything is possible if you’re willing to take baby steps”

Find these articles at www.newscanada.com January 2014

5

LIFESTYLES Choosing the best vitamin-enhanced water for you (NC) Choosing among the various vitaminenhanced water options available today can be somewhat confusing. Indeed, a wide variety of products currently offer the same benefits, yet contain different ingredients. This is why you should carefully read the ingredients before making a choice, as this will enable you to find the beverage that best suits your needs, whether it be to effectively rebalance your mind, body or energy levels.

Consumers must know what to take into account to fully benefit from the proposed formula.

“Those seeking a quality wellness drink must make sure that it contains the essential vitamins recommended for adults: A, B3, B5, B6, B12, D and E,” explains CJ Rapp, CEO of Karma Culture.

“Consumers should make a habit of checking the nutritional panel and added ingredients, adds

Mr. Rapp. All our products contain 20 calories per bottle, are low in sodium and are free of preservatives, gluten and lactose.”

Among the natural ingredients to look for is stevia, an excellent natural sweetener option. This South American herb features strong sweetening attributes, yet contains fewer carbohydrates than sugar. What’s more, its use can considerably lower a product’s calorie content. Also choose drinks made with natural spring water, as it is free of any trace of pollution and chemical agents. Spring water, which naturally complies with all health standards, is beneficial for one’s body.

One last factor to consider is vitamin effectiveness upon consumption. Indeed, the nutritional value shown on the label is calculated upon bottling rather than consumption. After 90 days from its date of production, water-diluted vitamins may

Technology working for wellness (NC) Physical activity is key to achieving and maintaining good health. Indeed, health professionals recommend adding it to our daily routine to optimize results. More and more people are choosing yoga as a sport or recreational activity to achieve balance in their lives.

Yoga can provide several physical benefits, such as resistance to fatigue, as well as improved blood pressure, digestion and blood flow. At the mental level, it helps fight stress and anxiety, find inner peace and facilitate sleep.

Inspired by yoga’s core principles (wellness, positive thinking and positive energy), vitaminenhanced Karma Wellness Water is an alternative health drink to help you reset your spiritual and physical balance. Its premise is simple: give your body positive energy, and it will provide the same in return.

KarmaCap: the cap that makes all the difference We can’t talk about vitamin-enhanced water without also addressing ingredients and their

lose up to 50% of their beneficial effects due to exposure to UV rays, oxygen and heat.

“Our KarmaCap technology preserves vitamins in powder form in the hermetically-sealed cap until use, concludes Mr. Rapp. As a result, consumers benefit from maximum vitamin potency when they drink their water. This technology has earned us the 2013 Convenience Innovation Award, Beverages Category, at the National Convenience Stores Distributor Association Gala.”

For more information, please visit: www.facebook.com/drinkkarma http://www.drinkkarma.com/ www.newscanada.com

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nutritional benefits. How effective those drinks are is measured by the potency of the water-infused vitamins, as well as the positive effects of all other listed ingredients.

Pre-blended vitamin-enhanced water is the most widely available product when it comes to those types of drinks. However, water-soluble vitamins may have already lost up to 50% of their beneficial effects due to exposure to UV rays, oxygen and heat. Consumers can now enjoy the full potency of the vitamins and other nutritional ingredients of our own vitamin-enhanced water. After just a few seconds to let the infusion process take place, your drink is ready.

Our KarmaCap technology, consisting of a hermetically sealed cap containing vitamins preserved in powder form, enables consumers to better enjoy the benefits of their vitamin-enhanced water. The push of a button is all that’s needed to release these nutritional ingredients in the bottle.

Once gently shaken, your freshly mixed water

The best New Year’s resolution? Getting in shape (NC) It’s no secret that we often tend to lose our battle against the scale during the holiday season.

Seduced by one delicious feast after another, many cast aside their healthy eating habits, as they feel they have earned the right to treat themselves over this period. This idea sets in as soon as the first decadent dish hits the table. Year after year, as the holidays draw to a close, we find ourselves with a few extra pounds and lots of good intentions for those New Year’s resolutions.

Achieving our new objectives After the New Year’s festivities, it’s time to kick start our resolutions and renew our fitness program. In order to ensure this reintegration in our daily routine is a success, the key is to take things one step at a time. Why not start with simple actions? At the office, use the stairs instead of the elevator, or walk short distances instead of taking your car. Yoga is also an excellent choice, as it has several beneficial effects on overall health, such as

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is ready to drink.

This technology was designed to offer you a reliable vitaminenhanced water option in line with the benefits and wellness your body draws from yoga and a healthy diet.

For more information on KarmaCap, please visit: www.facebook.com/drinkkarma www.drinkkarma.com www.newscanada.com

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resistance to fatigue, as well as improved blood pressure, digestion and blood flow. The goal here is to reintroduce physical activity gradually to avoid extreme fatigue and a loss of motivation.

Vitamin-enhanced water to the rescue Add some flavour to your fitness routine. Karma Wellness Water, with its five delicious flavours – raspberry-guava jackfruit, orange-mango, acaipomberry, passionfruit-green tea and pineapplecoconut – offers essential vitamins. This health drink is naturally sweetened with a pinch of natural cane sugar and mostly with the natural and low carb stevia. The end result is both natural and only 20 calories in an entire 532 mL bottle.

Karma Wellness Water is first and foremost natural spring water. The vitamins contained in the proprietary KarmaCap do not lose any of their potency, as they are added to the water only upon consumption. Generally, water-soluble vitamins lose up to 50% of their beneficial effects

after 90 days, due to exposure to UV rays, oxygen and heat. Our KarmaCap t e c h n o l o g y, consisting of a hermetically sealed cap, enables the vitamins preserved in powder form to be released in the water with the push of a button. Now all that’s left is to gently shake the bottle, and your drink is ready.

For more information, please visit: www.facebook.com/drinkkarma www.drinkkarma.com

Find these articles at www.newscanada.com 6

January 2014

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LIFESTYLES Parenting expert provides top tips for family TV viewing (NC) A leading expert is encouraging parents to engage more proactively with their kids when watching TV, suggesting turning TV time into family time will help kids get more out of their viewing experience.

The advice follows the recent launch of Kids Zone, a go-to hub for premium children’s TV and movies. Available exclusively for Rogers customers at home and on the go, families can now enjoy Canada’s most popular kids’ entertainment in one secure and easy to use portal, available across multiple device screens.

“The way we watch TV is changing,” said parenting expert and author, Kathy Buckworth.

“Having access to a wide range of educational and entertainment focused programming is incredibly important, as well as being able to easily access content on TV and other portable devices.”

The family-friendly Kids Zone portal delivers a collection of popular kids programming that is not available through non-traditional TV services.

Rogers Kids Zone is available on TVs via Rogers On Demand Ch. 200, as well as on computers, smartphones, tablets, Xbox 360 gaming systems and LG Smart TVs. With more children’s programming available than ever before, Buckworth advises parents on the top tips for TV viewing: 1) Be proactive and get to know kids’ TV programming. Get to know what shows are available by proactively engaging with the shows your kids like to watch and making recommendations on other shows you think they might be interested in.

2) Watch with your kids when you can. Make TV time a family activity by watching with your

Travel smart to manage roaming costs (NC) A leading technology expert wants to help Canadians feel comfortable roaming on their wireless devices when travelling to the U.S. Doing their research and planning ahead helps consumers manage costs and stay connected south of the boarder.

“When you travel with your smartphone or tablet, you may be roaming on another carrier’s network and this service is not included in your regular monthly fees,” says Rogers Data Girl, Stephanie Lancaster. “But instead of opting for a travel pack or roaming rate, 64% of Canadians turn off data on their smartphones when travelling, which can create even bigger problems like getting lost without access to a map, getting stuck in a tourist trap or your family being unable to reach in case of an emergency.”

Tech trends for 2014

(350 words) kids when you can. This allows you to learn about the shows your kids like and lets you talk as a family about them.

3) Manage viewing schedule. Every family is different, but as a general rule try to not schedule TV viewing at mealtimes, in bed or while doing homework. Parents can also set timers on TV to limit viewing. To avoid objections make sure you suggest alternative activities for your kids when TV time is over.

To learn more about choosing the right programming and how to watch TV with your children, families are encouraged to visit techessentials.rogers.com. www.newscanada.com

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To encourage Canadians to plan ahead when travelling to the U.S., Lancaster debunks some of the common myths associated with data roaming: Myth #1: People are hesitant to turn their device on when travelling because they think roaming is expensive. Roaming doesn’t have to be expensive. Most carriers offer a combination of features and services in one convenient package.

Recently, Rogers launched new U.S. Travel Packs – now with more data, minutes and unlimited texts – all at a lower price. With small and large packs for Talk and Text, and others that include data, there’s no reason to leave a phone behind.

Myth #2: People say they don’t need a data package when they’re travelling because they can just use Wi-Fi. Wi-Fi hot spots aren’t always available and are often not secure. It’s far

easier and safer to browse on a carrier’s network, especially if travellers are planning to use internet banking or sending personal information.

Myth #3: People say they go through their data packages way too fast. There is never enough included. Rogers recently doubled the data on select U.S. Travel Packs so travellers can use their smartphones just as they would at home.

For more tips on roaming with confidence, check out techessentials.rogers.com. Rogers customers can find the best roaming offer for their next trip at rogers.com/roaming. www.newscanada.com

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(NC) Technology will continue to transform the lives of Canadians in 2014, impacting how we operate at a personal and professional level. More devices, faster download speeds and a blurred line between work and personal lives will lead to new developments in the way Canadians interact, according to a leading tech expert.

“Canadians are among the most connected people on earth,” said Rogers Data Girl, Stephanie Lancaster. “As we usher in 2014, new technologies create new trends that will keep us connected in innovative and exciting ways.”

Lancaster unveils the top tech trends for 2014: 1. Wearable tech: It may have started with Google Glass but manufacturers worldwide

are starting to introduce new wearable technology. Devices like the stylish Samsung Galaxy Gear are showing up on the wrists of multi-tasking moms, fashionistas and on-thego professionals. Designed as a companion for life, Galaxy Gear lets wearers preview messages sent to their phone, capture voice memos, make hands-free calls and even lock a smartphone’s screen from more than 1.5 metres away.

2. Need for speed: As technology improves, users demand it do more, faster. Category four devices like the Samsung Note 3, Sony Xperia Z1 and LG G2 can theoretically reach industryfirst LTE maximum speeds of up to 150 Mbps.

That means even faster downloading, smoother browsing and video streaming without getting trapped in the buffering and lag zone! Currently,

Rogers LTE network provides speeds up to two times faster than its largest competitors.

3. Connected Commerce: Technology will continue to play a huge role in the way we hunt down and purchase the things we need.

Location-based promotional services like Rogers Alerts offer users real-time promotions on their smartphone that are tailored to shoppers’ preferences. The rise in mobile payments, like those facilitated using the suretap wallet, allows shoppers to complete the purchase cycle using their smartphone.

For more technology tips, visit techessentials.rogers.com. www.newscanada.com

Find these articles at www.newscanada.com January 2014

7

LIFESTYLES How to dress up your smile for the New Year

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More than half of Canadians rank a great smile as the top attraction when meeting new people.

Here’s how to make your smile a star.

(NC) The New Year is the time for goal setting, personal rejuvenation, and feeling your best.

According to a study conducted by Philips Sonicare a great smile is the feature 53 per cent of Canadians find most attractive when they first meet someone. Beauty expert Janine Falcon shares a few tips on spotlighting yours that will help you sashay through the new year.

• Winter-proof your lips to keep them smileready. Buff away dry patches with a washcloth dampened with hot water, then immediately apply a buttery, squeeze-tube lip balm rather than a waxy stick. An emollient formula such as

Jack Black Intense Therapy Lip Balm SPF 25 blankets even cracked lips with a soothing layer of conditioning protection.

• Keep teeth in top shape with a solid regimen that includes brushing twice-daily, flossing before bed, and an antiseptic mouthwash every day. Use a high-tech power toothbrush such as the Philips Sonicare DiamondClean, which is clinically proven to deliver whiter teeth in just one week.

• For those of us who forget to floss on a regular basis, try the Sonicare AirFloss, which cleans between teeth with micro-bursts of air and water.

You can do your whole mouth in 30 seconds.

Get your mouthwash step in at the same time by substituting it for water in the reservoir.

• Women should wear bright lip colour with a blue undertone to make teeth look their whitest.

Try long-wearing Make Up For Ever Aqua Rouge #8 Iconic Red, a universally-flattering shade.

• Stash a portable whitening pen in your purse for stealth smile brightening. The Philips Zoom Whitening Pen is ideal to quickly enhance your smile. www.newscanada.com

Informative, seasonal lifestyle content year round

Visit www.newscanada.com to download seasonal articles and videos for your publication or website www.newscanada.com

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January 2014

AUTOMOTIVE How do I know if leasing is right for me?

Lease your way to financial flexibility

(365 words + 1 photo) (NC) There are many factors to consider when deciding if leasing a vehicle is the best option.

You’ll need to consider your lifestyle, driving habits and financial circumstances before making any decisions. For some initial insights, Chevrolet Canada gives us the right questions to ask alongside some valuable information: What are the financial benefits of leasing?

Only the depreciation value of the vehicle is used to calculate monthly payments in comparison to the full price of the vehicle used in loan repayment calculations. In addition, lease holders only pay taxes on their monthly payments and tax benefits are offered to self-employed, salespeople and some professionals.

How long do you intend to keep your vehicle?

Lease terms are shorter than most financing terms.

Lease holders get to drive a new vehicle more often with lease periods typically ranging from 36 to 48 months. At the end of your lease period, you have the options to purchase the vehicle from your dealer at a reduced rate or upgrade to a newer model under a different contract.

What kind of vehicle would you like to drive?

Monthly payments for lease holders are typically lower than those who finance. This means that drivers have the option of choosing a more

luxurious vehicle for a lower monthly payment.

What is the length of my commuting time? There will typically be a kilometre limit during the period of the lease contract.

Potential lease holders should take an honest look at their driving habits and consider if the limit is realistic given their driving habits to avoid additional charges based on kilometres in excess of the limit.

Is maintenance included? You should always speak with your local dealer about maintenance before signing your contract. Depending on the options available at your dealership, regular maintenance may be included. If maintenance isn’t included, the lease holder is still expected to return a properly maintained vehicle at the end of the contract period.

More information and advice is available online at Chevrolet.ca and at your local dealer. www.newscanada.com

www.newscanada.com

When does leasing make more sense?

(NC) Choosing whether to lease or purchase your new vehicle can be a difficult decision. Both options have their advantages but finding the right option for your pocket book will depend largely on your individual lifestyle. John Roth, vice president of sales, service and marketing at General Motors of Canada offers some insight and comparisons between leasing and buying: Leasing: • Leasing periods typically last two to three years. This is a good option for those who like to switch to new vehicles frequently.

• Depending on the type of leasing contract, regular maintenance may be included under the contract.

• Leasing contracts include a limit on kilometres.

Leasing may not be the best option for drivers who regularly drive long distances which could result in additional charges at the end of the lease contract.

• Lease holders are unable to alter or customize their vehicles.

(162 words + 1 photo) (NC) Options do exist – even for the biggest purchases in life.

For home owners, growing families, or if you are someone just looking for financial flexibility, leasing instead of buying a new vehicle is a viable option. Take a look at some of those benefits from Chevrolet Canada: • A low down payments and low monthly payments can leave more money for other monthly expenses.

• Only the depreciation value of the vehicle is used to calculate monthly payments in comparison to the full price of the vehicle used in loan repayment calculations.

• A lease holder’s capacity to borrow from a financial institution is preserved.

• Tax advantages are available to salespeople, the self-employed and some professionals.

More information and advice is available online at Chevrolet.ca and at your local dealer.

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• Only the depreciation value of the vehicle is used to calculate monthly payments in comparison to the full price of the vehicle used in loan repayment calculations.

• Monthly lease payments are lower, so lease holders may have room to choose a more l uxurious car.

Buying: • Ownership means you’ll have the vehicle for a longer period of time. This is a good option for those who like to keep their vehicle for longer periods of time.

• Owners of vehicles are fully responsible for the cost of regular maintenance.

• Vehicle owners are not limited to a certain amount of kilometres.

• Drivers who enjoy altering and customizing their vehicles should look to own.

• Financing payments are based on the total value of the vehicle.

• Monthly payments through financing options are typically higher than monthly lease payments.

“In the end, choosing to lease or purchase a vehicle will depend largely on a family or individual’s lifestyle, needs and financial circumstances,” John Roth explains. “Take an honest look at your driving habits and what you need from a vehicle. It’s also important to do the math to figure out whether leasing or purchasing is your best option.”

More information and advice is available online at Chevrolet.ca and at your local dealer. www.newscanada.com

Find these articles at www.newscanada.com January 2014

9

CONSUMER INFORMATION Warning signs of a failing furnace (NC) Are you sure your furnace will keep you warm right through the winter?

It’s the one appliance that is so easy to take for granted as it works around the clock to keep you cool in summer and warm through the blustery winter. The biggest test comes now when the cold January and February temperatures plunge below zero.

If this raises concerns, Dave Walton, the director of home ideas at Direct Energy, recommends we pay close attention to these warning signs to avoid being left in the cold:

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• Is your furnace making unusual wheezing or hissing noises or working harder than normal?

• Is your furnace sporadically shutting down before your home heats to the temperature on your thermostat?

• Have you noticed an increase in your energy bill compared to last year?

• Are there rooms in your home getting little or no heat?

If you are experiencing any of these problems, your furnace could be at risk. If it is 17 years or older it is not only at greater risk of malfunction,

Quick tips to keep your furnace in top shape (NC) As the winter months inch along, Canadians can take simple steps to make sure that the temperature inside the home doesn’t drop with the weather outside, as follows: • Change the filter on a regular basis - Your furnace filter captures dust and debris. If it is dirty the optimum amount of air isn’t getting to your furnace and the air quality in your home decreases. A dirty filter also forces the furnace to work much harder.

but it can also emit carbon monoxide throughout your home, leaving your family in danger.

More information is available online at www.davescorner.ca.

www.newscanada.com

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• Upgrade to a programmable thermostat - This will save you money without sacrificing your comfort. Your furnace will work less, saving you more • Get a tune-up - Have a licensed technician perform maintenance to identify any issues and prevent a costly repair.

• Protect yourself - Install carbon monoxide detectors on every level of your home and in each bedroom.

Why take a risk this winter? Befriend your furnace and fight the freeze together to ensure that you and your family stay warm.

More information is available online at www.davescorner.ca. www.newscanada.com

Is your furnace in danger of shutting down this winter?

(NC) Don’t be one of countless Canadians who will get home from work, or get out of bed to face the cold truth that their furnace has stopped working.

Since it can be difficult to find a technician on short notice in the dead of winter, experts say it’s best to be proactive with the most important household appliance for keeping you warm.

“Get a licensed technician to perform yearly maintenance and identify any issues before you need a costly repair,” advises Dave Walton, the director of home ideas at Direct Energy.

“This will save you money and eliminate the

fear of freezing in your house while waiting for a technician.”

Walton adds that we should change the furnace filter every three months because furnace motors are forced to work extra hard when the filter is clogged or dirty and the proper amount of air isn’t getting through. This can also save you as much as 5 per cent off your heating bill.

If you’re worried that your furnace might be on its last legs, Walton says there are a few warning signs to watch for.

“Are your energy bills higher this year? Are there rooms in your home getting little or no

(282 words) heat? Is your furnace making unusual wheezing or hissing noises? Is it shutting down randomly before your home heats to the temperature on your thermostat?” asks Walton.

If any of these issues sound familiar and you’re thinking of replacing your furnace, he advises to look for the Energy Star label and to purchase a furnace that is rated 90 per cent or higher in efficiency. This can save you up to 30 per cent of your heating costs.

More information is available online at www.davescorner.ca. www.newscanada.com

Upgrading your thermostat can reduce your electricity bill (NC) Even though Canadians can save as much as 5 per cent on their heating bills this winter by simply upgrading to a programmable thermostat, half of homeowners have yet to make the switch.

“Most people don’t give a lot of thought to the type of thermostat they have, and those with an old mercury thermostat, or non-programmable unit, would be surprised how much money they’re wasting,” says Dave Walton, the director of home ideas at Direct Energy.

“Think about this: You wake-up in the morning and it is cold inside, so you turn your heat up to 24 degrees. By the time the house heats up you’re

off to work, but did you turn the thermostat back down? If not, your furnace will be working all day to heat your house to 24 degrees when no one is home.”

With electricity rates forecasted to increase 46 per cent between 2010 and 2015 , and gas prices continuing to rise from historic lows, Walton advises to invest in a programmable thermostat, which can cost as low as $40 and could save big bucks on your energy bill.

“Digital or programmable thermostats allow you to set different temperatures on different days and times, so you’re not wasting energy while you’re

not at home,” he says. “Needless to say, you recoup the cost of a new thermostat pretty quickly.”

Walton went a step further himself, investing in a ‘learning thermostat’ that can sense lack of motion in his home and adjust itself to “away mode”.

There’s also a “green” feature which records when he sets the temperature below the norm (average home temperature is 22 degrees C and provides a report showing how much money he saved by being eco-responsible.

More information is available online at www.davescorner.ca.

Find these articles at www.newscanada.com 10

January 2014

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ENVIRONMENT AND NATURE Save heating costs with clever solutions (NC) There’s an old saying that “every mile feels like two in winter”. And, in Canada, our energy bills often double as well.

During the colder, darker days, families tend to spend more time indoors where it’s warm and comfy. It’s no wonder then, that the average family struggles to find a balance between maintaining a comfortable home, while still being energy efficient, environmentally-friendly, and keeping the heating bills down.

“There are plenty of easy and everyday ways to make a big difference around your home, and small actions can make a positive impact on the

environment and help with some savings,” says Mary Desjardins, Executive Director of TD Friends of the Environment Foundation. Some tips she found include: • 1 sweater is all it takes to turn down the thermostat.

• 1 bamboo plant can improve air quality in your house. Bamboo plants also emit moisture into the air, helping to increase humidity levels.

• 1 pair of slippers and one kitchen mat will keep your feet protected from the cold floor and make a difference on your heating bill

A green resolution will clean up your act (NC) Are you ready to eliminate ‘green guilt’ from your life?

New Year’s resolutions are often hard to keep, and according to a recent TD Friends of the Environment Foundation (TD FEF) survey, 78 per cent of Canadians confessed that they have a variety of ‘environmental regrets’ – including using plastic bags and bottles to driving gasguzzling cars. Perhaps it’s time to clear our collective conscience once and for all.

TD FEF offers a few easy, attainable resolutions that will contribute to the well-being of the planet, your health and your pocketbook.

“If we all resolved to permanently adopt any one of these resolutions,” shares TD FEF Executive Director Mary Desjardins, “we could each make a contribution to the protection of our planet.”

Replace light bulbs indoors and outdoors – Make the switch to energy efficient light bulbs

(241 words) • 10 per cent can be saved on your average heating bill by turning your thermostat down one degree at night and while away at work.

• 120 degrees as a setting for your water tank will reduce heating costs.

By simply doing the ‘math’, you can help conserve energy and … some coin. www.newscanada.com

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such as compact fluorescents, LEDs or halogens.

They last longer, use less energy and will save you money in the long run.

Reduce the use of disposable water bottles – Switch to an at-home water filter and reusable bottle to have fresh, clean water whether you are at home or on the go, while reducing your plastic waste.

Start an indoor compost bin – Many cities and municipalities have already adopted this recycling program, but if it’s not yet part of your everyday routine, it’s an easy way to make a difference even in the winter. Small containers are available at kitchen and hardware stores, that don’t take up a lot of room on your kitchen counter.

Take the steps to stop unwanted mail – Most catalogs and junk mail go unread and unopened.

You can reduce paper waste by opting out of unnecessary mail, or by signing up for e-bills.

Start using reusable bags – The hardest part is remembering them. Start storing shopping bags made from cotton or nylon in your handbag, car or coat pocket. They are small and easy to store and come in a variety of styles to suit any taste.

Look for driving alternatives – Change up your routine from driving everywhere, to walking or taking public transportation at least once a week.

It’s not only good for the environment, it’s healthy for you too.

Clean green − Switch your household cleaning products to ones that are safer for your family and the environment.

Share your environmental New Year’s resolution on TD FEF’s Facebook page at www.facebook. com/TDFEF. www.newscanada.com

Take your family outside to explore the winter wonderland (NC) Winter brings a unique opportunity for parents and children to learn about and enjoy the great outdoors. In addition to fresh air and opportunities for exercise, Canada’s beautiful landscapes deliver a tremendous opportunity for a hands-on, environmental education for the entire family.

Here are some fun-filled ways to connect to the natural environment: • Have a winter picnic – Plan a winter day trip, filled with cozy outdoor blankets, warn winter gear and hot chocolate. Pack a litterless picnic and take in the snowy sights.

• Play spot the difference – Challenge your kids to count the differences they see outside compared to the summer months. For example,

from a safe distance you can visit a local river or pond for the chilly challenge.

• Discover the world of animal tracks – Encourage children to watch for animal tracks and to guess which animal they might belong to. Take a picture of the tracks and at home, extend the lesson by searching online to match the tracks with an animal.

• Collect pine cones and fallen birch bark to bring home for craft time.

Kids love a challenge. By including an end goal or competitive angle to any of the above activities can help keep kids engaged.

“Bringing education outside, gives children an appreciation of the environment around them and will continue to help them develop a better

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understanding of their impact on the world, explains Mary Desjardins, Executive Director, TD Friends of the Environment Foundation.”

Each season brings with it new and unique opportunities to explore the outdoors. Learning – and family fun – doesn’t have to end in the winter. Come Spring, take the kids outside to witness how animals adapt to temperature changes , how plants are taking root and where vegetation is starting to grow. www.newscanada.com

Find these articles at www.newscanada.com January 2014

11

FAMILIES AND CHILDREN Family Literacy Day promotes 15-minute learning activities (NC) Even after kids have started school, parents can encourage their curiosity and confidence by making learning a daily part of home life.

Spending at least 15 minutes a day engaged in learning activities develops literacy, numeracy, and other skills essential for success in school.

Family Literacy Day is on January 27 and ABC Life Literacy Canada offers the following suggestions on their 15 Minutes of Fun theme – activities that parents and children can do together: • Choose Your Own ABC is a game that develops thinking skills, and is great for car trips, waiting rooms and rainy days. Choose a subject (for example, grandmother) and for each letter of the alphabet, take turns thinking of something that begins with that letter. For grandmother, things beginning with C could include caring, cookies and condo. No need to keep score – just move on to the next letter when you can’t think of anything else. Subjects can be sports, food, seasons, animals, or anything else.

• I Spy, the classic childhood game of observation (I spy with my little eye something that is green), can be adapted for language patterns (…something that rhymes with cat), spelling (…something that starts with C), shape recognition (…something that is a circle) and many other variations.

• Counting Walk develops numeracy and observation skills. Take a walk and count specific types of items on porches, lawns, windows and store displays. For example, you can count pumpkins during Halloween and lawn chairs during summer. During an election period, count the signs for different candidates and predict who might win the election based on how many you count. Have your child create a simple chart and fill it in as you go.

• Board games like checkers, card games like crazy eights, and word games like Boggle develop skills like numeracy, problem solving and reading.

Young children often do better than adults at visual perception, so games like Memory (matching

Family literacy is more than reading and writing (NC) When we think about literacy, we often think about reading and writing. However, literacy is also about our ability to navigate the world around us through technology, numeracy, problem solving, document use, and other essential skills. By incorporating different types of literacy and essential skills into daily family activities, parents can encourage and create opportunities for their children to develop the abilities they need for success in school and for a lifetime of learning.

Family Literacy Day is on January 27 so ABC Life Literacy Canada offers the following ways for families to embrace literacy and learning together: Have a family board game night. Get the kids to read the instructions, keep score, count the spaces and spell the words.

pairs of illustrated cards) and Set (identifying similarities and differences of patterned cards) are worth seeking out in toy stores.

• Reading aloud can continue to be an enjoyable family learning activity long after kids are able to read by themselves. Keep reading stories at bedtime and at other times. Encourage kids to read aloud too –take turns reading pages from favourite books. Reading aloud is one of the joys of parenthood – make it last as long as possible.

Family Literacy Day began on January 27, 1999 – and since then, thousands of activities and events are held annually in homes, schools, learning centres, and in literacy organizations across the country. More information can be found online at www.FamilyLiteracyDay.ca. www.newscanada.com

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Follow a recipe together. Cooking is a great way to develop reading and numeracy (measurement) skills. Look up a recipe online to practice your digital literacy skills.

Make groceries a family activity. Children can write a shopping list, identify items in the fridge that are getting low, check price differences between different brands, sort items for packing or putting away, count how many potatoes to buy and look at the cash register receipts.

During car trips, read signs and billboards and look for interesting licence plates. Listen to audio books in the car, especially during longer trips – most libraries have a great selection.

When planning a family vacation, get the kids to do some online research and make recommendations about what to see and do. Look

Family Literacy Day is January 27—and every day (NC) The theme of Family Literacy Day this year is 15 Minutes of Fun. It encourages parents to make time every day for reading and other learning activities with their children.

Spending at least 15 minutes a day can make a huge difference to a child’s literacy skills and development, and it can help parents improve their skills as well.

at a map together to plan your route to your final destination.

Home is the key to homework. After kids have finished their homework, proofread for spelling and punctuation, verify math answers, and suggest any changes that will improve their writing.

Family Literacy Day began on January 27, 1999 – and since then, thousands of activities and events are held annually in homes, schools, learning centres, and in literacy organizations across the country. More information can be found online at www.FamilyLiteracyDay.ca. www.newscanada.com

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Family Literacy Day was launched by ABC Life Literacy Canada in 1999. Each year, to mark the occasion, thousands of activities and events are held across the country in learning centres, schools, homes and literacy organizations.

A wide range of resources for parents and families, including the HSBC Learning Activity Centre, storytelling tips, games, events, articles

and many other literacy resources are available at www.familyliteracyday.ca.

If every family is committed to their daily 15 minutes of learning together, Family Literacy Day will not only make an impact on January 27, it will make a difference every day of the year.

Find these articles at www.newscanada.com 12

January 2014

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FOOD AND NUTRITION Mushroom Cream Sauce with Pasta by Louisa of Living Lou (141 words + 1 photo, Ont only) (NC) Serves 4-6 Ingredients 2 tbsp olive oil 6 pieces of bacon, sliced into 1 inch pieces 1/2 an onion, chopped 4 cloves garlic, minced 4 tbsp butter 1 lb white button mushrooms, sliced 8 sprigs fresh thyme 2/3 cup dry white wine 1/2 cup 15% cream 1 package of fettuccine pasta, cooked according to package directions Directions In a large pan, heat olive oil over medium heat.

Add onion and bacon, sauté for 3-5 minutes.

Add garlic, cook for another minute or until fragrant.

Next, add butter, mushrooms, and fresh thyme.

Sauté for 3 minutes or until mushrooms begin to cook down.

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Finally, add the white wine, cooking for 3-5 minutes, then add the cream and simmer for 2-4 minutes or until sauce has thickened up.

Remove sprigs of thyme and serve over pasta.

For more blogger recipes visit blog.mushrooms.ca. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

Cutting calories with Mushrooms (286 words + 1 photo, Ont only) (NC) With holiday season coming to an end, ‘tis the season for starting anew with hopeful resolutions. Finding appealing and effective ways to achieve a healthy weight is an important element when it comes to maintaining weight.

Being overweight can increase the risk of developing chronic diseases such as heart disease, diabetes and cancer. Carrying excess weight can put stress on joints causing pain and making it difficult to enjoy daily activities. Eating more fruits and vegetables, including fresh mushrooms, is a tasty way to help you keep your weight in check.

Fresh Mushrooms Can Help Consume Fewer Calories A half-cup serving of cooked sliced mushrooms has a mere 14 calories, virtually no fat and can be a satisfying substitute for higher-calorie ingredients.

Mushrooms can be folded into everyday dishes to boost of flavour and help you fill half your plate with fruits and vegetables, without weighing down the dish with calories, fat, cholesterol or sodium.

Mushrooms provide B vitamins including riboflavin, niacin and pantothenic acid, which help to provide energy by breaking down proteins, fats and carbohydrates.

Adding Mushrooms Make a Difference Substitute ½ cup sautéed white button mushrooms in quiche for 4 ounces of cooked

Baked Eggs with Mushrooms by Isabelle of Crumb: A Food Blog

bacon. Benefit: Save 580 calories, 45 g fat, 15 g saturated fat and 128 mg cholesterol.

Substitute 1 cup diced portabella mushrooms in spaghetti sauce for ½ cup lean ground beef (80% lean). Benefit: Save 285 calories, 19 g fat, 7 g saturated fat and 101 mg cholesterol.

Substitute ¼ cup sliced fresh crimini or brown mushrooms on panini for 2 slices of provolone cheese. Benefit: Save 192 calories, 15 g fat, 9.5 g saturated fat and 38 mg cholesterol.

More delicious mushroom recipes are available online at www.mushrooms.ca.

(NC) Serves 4 Prep Time: 10 minutes Cook Time: 10 minutes Ingredients 1 1/2 lbs mixed mushrooms, thinly sliced (ie. crimini, shiitake, oyster, etc) 2 tbsp butter 2 tbsp dry sherry or white wine 1/2 tsp dried thyme Salt and pepper to taste 4 eggs 1/4 cup heavy cream 1/4 cup grated Parmesan cheese Finely chopped parsley, for garnish Method Preheat oven to 400F. Lightly butter four large oven-safe ramekins, and arrange on a baking sheet.

In a large sauté pan set over medium-high heat, sauté the mushrooms in butter until soft and lightly browned, about 5 minutes. Add the sherry and thyme, and continue cooking for 2-3 minutes or until most of the sherry has evaporated. Remove from heat and season to taste with salt and pepper.

Spoon the sautéed mushrooms into the prepared ramekins, dividing evenly, then gently crack an egg into each one. Top with 1 tbsp cream and 1 tbsp grated Parmesan.

Bake in preheated oven until the egg whites are set and the yolks are done to your liking, about 1015 minutes. Serve immediately with a sprinkling of chopped parsley and thick slices of toast for dunking.

For more blogger recipes visit blog.mushrooms.ca.

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Attention editors: This article is for distribution in Ontario only.

Attention editors: This article is for distribution in Ontario only.

Find these articles at www.newscanada.com January 2014

13

FOOD AND NUTRITION Boost your nutrition this winter with blueberries (NC) Everyone knows that “superfoods” are good for you. The combination of vitamins, antioxidants, fiber, and phytochemicals, among other nutrients make them natural disease-fighters.

But when it comes to great taste, not all superfoods are created equal.

Fortunately for blueberries, they’re not only great for you, but also great tasting. And, thanks to the growers and exporters of Chile, they’re available all winter long.

Blueberries not only pack enough nutritional goodness to help fend off diseases from common colds to Alzheimer’s, they’re also amazingly versatile and utterly delicious. Moreover, they’re naturally fat-free, high in vitamin C, rich in potassium and fiber, and contain more cancerfighting antioxidants than either wine or green tea. Recent studies show that fresh blueberries are natural anti-inflammatories, too--they can help keep skin looking younger, reduce the risk of heart disease and some cancers, and provide the same bacteria fighters as cranberries to help guard against urinary tract infections. Just one-half cup of blueberries helps meet the recommended 5 to 9 servings a day of colorful fruits and veggies.

This Blueberry Compote drizzled over smoked salmon (another super nutritious superfood) is one easy and flavor-packed way to boost your nutrition this winter. But this compote could just as easily accompany yogurt, oatmeal or vanilla ice cream. For more recipe ideas or information about Blueberries from Chile, visit www.fruitsfromchile. com/blueberryrecipes.

Smoked Salmon with Blueberry Compote

Ingredients Blueberry Compote ½ cup fresh Chilean blueberries (divided in two) 1 tablespoon brown sugar 1 tablespoon water Smoked Salmon 1 (12-inch) untreated cedar plank 1 tablespoon vegetable oil 1 tablespoon grainy mustard 1-1/2 tablespoons brown sugar 1 tablespoon chopped green onions 1/2 teaspoon minced garlic 1 pound salmon fillet, skin removed Instructions For the compote, combine 1/4 cup of the blueberries, the brown sugar, and water in heavy small saucepan. Simmer over medium heat until the berries burst, stirring often, about 5 minutes.

Fold in the remaining berries. Cook until the compote coats the back of a spoon, stirring often, about 8 minutes. Cover and keep warm.

For the smoked salmon, soak the cedar plank for at least 1 hour in warm water. Keep it soaked longer if time permits. In a shallow dish, stir together the oil, mustard, brown sugar, onions, and garlic. Place the salmon fillet in the marinade and turn to coat. Cover and marinate for at least 15 minutes, or up to 1 hour.

Preheat the grill to medium heat. Place the plank on the grate. The board is ready when it starts to smoke and crackle just a little. Place the salmon fillet onto the plank and discard the marinade.

Cover, and grill for about 20 minutes. The fish is done when you can just begin to flake it with a

How to select the perfect Blueberry this winter (NC) Blueberries are nature’s perfect little superfood and thanks to growers in Chile, these little blue dynamos* are available in grocery stores throughout Canada during the winter.

Fresh blueberries are natural cancer-fighters.

Heart-healthy, full of antioxidants, vitamin C, and fiber, blueberries are the perfect go-to fruit to pack great nutrition into every meal. But not everyone understands how to select, store and use fresh blueberries. Here are a few pointers to ensure that every fresh blueberry that finds its way onto a plate, in a bowl or in a snacking handful is perfect.

In the store, look for firm, plump, dry berries with smooth skins with a silvery sheen. The blueberry’s size isn’t important but, rather, its color. Look for a deep purple-blue berry; a reddish hue indicates an unripe berry that’s better for cooking.

Don’t wash blueberries until just before using them. Store fresh blueberries in either the pack they came in or a covered plastic container.

Fresh, ripe blueberries will keep up to ten days in the fridge.

Blueberries are easy to freeze. Make sure they’re dry and unwashed; if they look bruised or shriveled, toss them. Freeze the blueberries in their original plastic pack inside a resealable plastic bag, or transfer them to a resealable freezer bag. Wash them just before use.

This simple recipe calls for either fresh or frozen blueberries and tastes just as good as it looks. For

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fork. (It will continue to cook after you remove it from the grill.) Slice the salmon into 2-oz. portions. Serve each one with 1 tablespoon warm compote.

Makes 6 (2oz) appetizer portions www.newscanada.com Source: Courtesy: University of California, Berkeley | Executive Chef Don Cortes

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more recipe ideas or information about Blueberries from Chile, visit www.fruitsfromchile.com/ blueberryrecipes.

Blueberry-Poppyseed, Honey Banana Bread Ingredients 1 1/2 cups all-purpose flour 1 cup sugar 1 teaspoon baking soda ½ teaspoon salt 3 ripe well-mashed bananas 1/2 cup vegetable oil 1/4 cup milk 1/4 cup honey 2 eggs, lightly whisked together 1 tablespoon poppy seeds 1 pint (6 ounces) Chilean blueberries Instructions Butter and flour a 9-by-5-inch loaf pan. Preheat the oven to 350°F. In a bowl, mix the flour, sugar, baking soda, and salt together. In a separate bowl, mix together the bananas, oil, milk, honey, eggs, and poppy seeds. Combine both bowls together, mixing until just combined. Gently fold in the blueberries. Pour the batter into the loaf pan and bake until a tester inserted in the center comes out clean (about 1 hour and 10 minutes). Let the bread cool in the pan, then remove from the pan and slice.

Makes one 9-by-5-inch loaf.

Recipe Courtesy: The Porch Sacramento | Chef Jon Clemens

www.newscanada.com Source: “Little Blue Dynamos” is a registered trademark of the U.S. Highbush Blueberry Council. All rights are reserved.

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Restaurant,

FOOD AND NUTRITION Fresh New Year, fresh new you (336 words + 1 photo)

A protein-packed salad that is healthy and Blueberry-licious (424 words + 1 photo)

(NC) There’s no better time than the arrival of the new year to resolve to eat better. But “better” doesn’t have to mean boring; not with ample supplies of fresh blueberries, nature’s perfect “superfood”, available all winter long.

Chile’s blueberry crop is being harvested right now, during the southern hemisphere’s summer, arriving in Canada fresh, juicy and just in time to ring in a healthy and delicious new year.

Fresh blueberries are low in calories (just 80 calories in one cup), making them the ideal snack or ingredient to add to all kinds of recipes, like the one below -- a fresh blueberry smoothie that can serve as a nutritious start to the day or a midday boost.

In addition to that sweet and tangy flavor and maximum convenience, what’s great about blueberries is the powerful nutritional punch they pack: research has shown that the polyphenols in fresh blueberries not only help prevent certain cancers, but these antioxidant-rich little blue dynamos* can help reduce the risk of heart disease, and their abundant anti-inflammatory properties can help skin stay looking younger longer. With all this going for them, there’s no reason not to make fresh blueberries from Chile part of any New Year’s resolution.

Fresh blueberries from Chile are grown according to the highest standards for product quality and purity, meeting or exceeding all Canadian government regulations. State-of-theart packing and exporting methods ensure that the blueberries you find in the supermarket are fresh, ripe and ready to help get the new year off to a healthy start.

For more recipe ideas or information about Blueberries from Chile, visit www.fruitsfromchile. com/blueberryrecipes.

Berry blue smoothie Ingredients 2 cups fresh or slightly thawed frozen Chilean blueberries 1 6-ounce container low-fat vanilla or other flavored yogurt 1 cup fruit juice, such as orange, pineapple or apple 1 tablespoon honey or sugar, more or less to taste Instructions Place blueberries, yogurt, juice and honey in a blender. Whirl until smooth. Serve immediately.

Serves: 3 Recipe courtesy of the US Highbush Blueberry Council

(NC) Two of nature’s superfoods – fresh blueberries and quinoa – team up with butternut squash to create a salad that’s packed with protein, bursting with sweet and tangy flavor, and colorful enough to brighten the drab grays of winter.

Supplies of fresh blueberries are plentiful all winter long, courtesy of the growers and exporters of Chile, the southern hemisphere’s largest producer of fresh blueberries.

In addition to a healthy dose of cancer-fighting antioxidants, fresh blueberries pack enough vitamins, fiber and phytochemicals to rank them high on the list of superfoods all by themselves.

Blueberries also give this salad a burst of sweet, tangy flavor and the lovely colors that make it almost as good to look at as it is to eat.

The protein in this healthful, low-calorie salad comes from quinoa (KEEN-wah), widely considered a grain but really a type of seed more closely related to spinach and chard, which provides a complete protein – one cup has a full gram more than is found in an egg.

Butternut squash is widely available during the winter months and is not only sweet and tasty, but contains no fat, sodium or cholesterol, so it’s an ideal food for folks on special diets. What’s more, it’s a good source of potassium, magnesium and fiber, and an excellent source of vitamins A and C. Put all three of these core ingredients together and you have a winter salad that is yummy and nutritious.

For more recipe ideas or information about Blueberries from Chile, visit ww.fruitsfromchile. com/blueberryrecipes.

Blueberry, Butternut Squash and Quinoa Salad 1 pound butternut squash, peeled, seeded and cubed 4 tablespoons olive oil, divided 2 cups water 1 cup raw quinoa, rinsed well

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Source: * “Little Blue Dynamos” is a registered trademark of the U.S. Highbush Blueberry Council. All rights are reserved.

2 tablespoons lemon juice 3/4 teaspoon salt 1/4 teaspoon pepper 4 Green onions, thinly sliced 1-1/2 cups fresh Chilean blueberries 3 cups baby arugula Instructions Preheat oven to 450⁰F. In a large bowl, toss squash with 1 tablespoon of the oil. Spread on a rimmed baking sheet; bake until tender, about 22 minutes; let cool. Meanwhile, in a medium saucepan, bring quinoa and water to a boil; simmer for 15-20 minutes.

Remove from heat and cover; let stand 5 minutes.

Fluff with a fork; cool. In a small bowl whisk together remaining olive oil, lemon juice, salt and pepper; set aside. In a large bowl combine squash, green onions, blueberries, arugula and quinoa. Drizzle with dressing; toss to combine.

Serves: 6 Note: Quinoa should be easy to find at your local supermarket but, if not, couscous makes a perfect substitute.

Recipe courtesy of the US Highbush Blueberry Council www.newscanada.com

Blueberries add elegance and nutrition to New Years festivities (273 words (NC) Everyone knows that the New Year is when people resolve to eat healthier in the year ahead. Chocolate Blueberry Clusters are the ideal way to step into 2014—they’re an indulgent treat, beautiful and festive and they pack a lot of nutrition into each elegantly appetizing morsel.

Colorful, playful, delicious, and nutritious all at once, these desserts are the perfect combination of nature’s perfect superfood – rich in cancerfighting antioxidants, vitamins, and fiber – and the decadent deliciousness of chocolate. Serve them for dessert, give them as gifts, or just enjoy them because it’s New Year’s.

For more recipe ideas or information about Blueberries from Chile, visit www.fruitsfromchile. com/blueberryrecipes.

Blueberry chocolate clusters Ingredients 1 cup fresh Chilean blueberries 1 cup chocolate chips (dark, milk or white) Instructions Rinse blueberries, spread on paper towels and pat dry. Line a baking sheet with wax paper or parchment. Place chocolate in a small bowl or in a double boiler, over barely simmering water. Stir until melted. Remove bowl from hot water and gently fold in blueberries.

M a k e clusters by spooning 3-5 warm chocolate c o a t e d blueberries onto wax paper, placing them 1 inch apart or spoon m i x t u r e into silicone candy molds if you have them. Refrigerate until firm, about 30 minutes. Transfer to an airtight container and refrigerate for up to three days.

Serves: 18 to 24 clusters For gift presentation—place clusters in pleated paper candy cups, arrange in a box lined with tissue, or on a platter. Valentine’s Day: Spoon heart-shaped mounds, each made with 3 chocolatecoated blueberries onto wax paper-covered sheet pan; chill. Makes about 30 mini-heart shapes.

Recipe courtesy of the US Highbush Blueberry Council www.newscanada.com

Find these articles at www.newscanada.com January 2014

15

GENERATION 50+ Tips for Canadian Seniors to avoid the Flu this winter (NC) As the colder temperatures begin to arrive, Canadian seniors can take a simple step to weather our chilly climate. Adults 65 years old and older make up approximately 17% of this country’s population and are at an increased risk of being infected by the influenza virus -- the virus that causes the flu. This risk is increased if they have conditions like diabetes, cardiovascular or respiratory disease.

The good news is that taking the simple step of getting a seasonal flu shot remains the most effective method of preventing influenza virus infection and its consequences. In Canada, there are even vaccines that have been designed for seniors 65 years and older.

Seniors should take precautionary steps to prevent themselves from getting the flu. Some tips to help avoid the seasonal flu include:

Are you inFLUenced by the flu?

(NC) As the winter season approaches, many families across Canada plan to celebrate with loved ones over the busy holiday season. For Canadian seniors, however, this family time can significantly increase their exposure to the seasonal flu virus.

Despite free public health programs, not everyone receives the seasonal flu shot.

Seniors are at an increased risk of being infected by the influenza virus - the virus that causes the flu – because they often have weaker immune systems. Since flu symptoms

Washing hands frequently Avoiding people that are sick Using a tissue to cover a cough or sneeze Ensure you are well rested every night Getting a seasonal flu vaccine Speak to a healthcare provider for more information on flu protection for seniors. www.newscanada.com

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develop about one day after becoming contagious, this can lead to family members or friends unintentionally infecting their older loved ones with the flu virus before they even know that they are sick themselves.

Tips to help seniors avoid getting the seasonal flu: Friends and family should wash their hands frequently and thoroughly before and after all visits with older loved ones Seniors and family members should avoid close contact with those who are sick

Helping Seniors stay healthy this Winter (NC) Winter can be a tough time of year on our health, especially since it’s the peak of cold and flu season. This season can be especially challenging on seniors, who are at higher risk for getting the flu.

Flu symptoms can last up to three weeks which can take its toll on seniors, who may not have the energy to recover from an illness quickly. Each day of bed rest can cause up to five per cent loss of muscle power and one per cent loss of aerobic capacity in seniors. As well, having the flu may

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Getting an annual seasonal flu shot is the best defense against getting sick, or inadvertently passing the flu onto seniors There are seasonal flu vaccines that are specifically indicated for those 65 years and older. Talk to your Healthcare professional about the best option for you and your loved ones. www.newscanada.com

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prevent seniors from taking part in the daily activities that they enjoy.

There are some simple ways that seniors can help avoid getting the flu heading into the winter season, like eating vitamin rich foods and following a sufficient sleep schedule all contribute to helping prevent illness.

However, no matter how well seniors follow these tips, getting a seasonal flu vaccine remains the most effective method of preventing influenza

virus infection and its consequences. In Canada, there are vaccines available that have been specifically designed for adults 65 years and older.

For more information regarding flu prevention Canadians should speak to a healthcare provider.

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January 2014

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GENERATION 50+ Your eyes are the window to your health (NC) As the famous quote says, the eyes are the window to the soul; however they also offer a sneak peek into much more than that. Did you know that there are a number of health conditions that can actually be detected through the eyes?

In addition to eye-related conditions and diseases like glaucoma or macular degeneration, systemic diseases such as diabetic retinopathy, hypertension, thyroid disease, rosacea, arthritis, multiple sclerosis and even brain tumours can first be detected through a comprehensive eye exam by a Doctor of Optometry.

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It’s important for Ontarians to know that even if they have 20/20 vision, it does not necessarily mean that their eyes are healthy. Regular, comprehensive eye exams by a Doctor of Optometry can help ensure that vision problems and other health problems are identified early.

Doctors of Optometry are the only primary eye health and vision care providers for Ontarians.

They offer a convenient one-stop destination for all things eye health related, including prevention, diagnosis, treatment, health information and eyewear products.

Where should you turn for urgent eye care?

(NC) If you woke up in the morning with bloodshot eyes, what would you do?

Most Ontarians, when faced with urgent vision problems, head straight to their family doctor or the hospital emergency department. What many don’t know is that they can access specialized eye care faster and more efficiently through their local Doctor of Optometry.

Common urgent eye care conditions include eye injuries, conjunctivitis (pink eye), allergies,

The Ontario Association of Optometrists (OAO) recommends adults aged 20 to 64 have a comprehensive eye exam with a Doctor of Optometry at least every two years.

For information about eye health or to find a local Doctor of Optometry, please visit http:// on.doctorsofoptometry.ca/. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

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or sudden vision loss. For each of these issues, Doctors of Optometry are fully trained to properly diagnose eye conditions and facilitate treatment including prescribing medication, monitoring the condition, and offering timely referrals, when needed, to specialists for advanced medical care.

In order to avoid urgent eye care needs, it is important for Ontarians of all ages to know that regular, comprehensive eye examinations play an important role in the early detection

and treatment of eye-related conditions and diseases.

For information about eye health or to find a local Doctor of Optometry, please visit http:// on.doctorsofoptometry.ca/. www.newscanada.com

Attention editors: This distribution in Ontario only.

What you need to know about eye care for the whole family (NC) From infants and grade-schoolers through to parents and grandparents, eye health and quality of vision impacts every Ontarian. While the concerns for each age group vary, it is important for Ontarians to be aware of the eye care needs of the whole family.

For children, vision can impact learning and development. Each year, fewer than 14 per cent of Canadian children under the age of six have a comprehensive eye exam before entering school, despite the fact that an estimated one in six schoolaged children has a vision problem. Common eye conditions affecting children include strabismus, or crossed eyes, amblyopia, or lazy eye, and poor eye coordination.

For adults, eye health can have an impact on virtually every aspect of day-to-day life. The workplace can be a particularly challenging area, as each profession has its own specific ergonomic environments and visual demands.

For seniors, each day can bring an increased risk of eye-related conditions, such as low vision, macular degeneration and even blindness. Other

age related eye conditions that increase with age include presbyopia, cataracts, diabetic retinopathy and glaucoma.

It is important for Ontarians of all ages to understand that regular, comprehensive eye exams by a Doctor of Optometry can identify serious eye conditions and diseases early, so that they can be properly treated and corrected.

The Ontario Association of Optometrists recommends the following groups schedule routine comprehensive eye exams with a Doctor of Optometry.

• Infants between six and nine months of age (at least once); • Children between two and five years of age (at least once); • Children five years of age and older (every 12 months); • Adults over the age of 65 (every 12 months); • Diabetes patients (every 12 months); • Patients with systemic diseases that have vision complications, such as hypertension, thyroid disease, rosacea, arthritis, and multiple sclerosis;

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• Patients taking medication with known vision side effects; • Patients experiencing short periods of vision loss or visual disturbances (i.e. flashing light, floaters, etc.); • Patients who wear contact lenses (every 12 months); • Patients experiencing red eyes; • Every Ontarian who has not had a comprehensive eye exam within the last two years.

The good news is that the Ontario Health Insurance Plan covers annual eye exams for Ontarians up to age 19, and age 65 or older. For more information about eye health or to find a local Doctor of Optometry, please visit http:// on.doctorsofoptometry.ca/. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

Find these articles at www.newscanada.com January 2014

17

HEALTH AND SAFETY A winter sports safety reminder (NC) Winter has great appeal when the ski slopes beckon, so Ontario’s chiropractors remind us to enjoy all of our favourite sports, but do it safely.

On the slopes, for example, make sure that ski and snowboard bindings are adjusted for your height and weight. Always check the weather conditions and watch the trails for icy patches and other potential hazards. Here are a few more safety tips: Dress for the weather. Layered clothing works better to keep your muscles warm and your skin dry so you don’t get chilled. You may want to

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invest in clothing designed specifically for winter outdoor activity (available at your local outdoor or sporting goods store), or layer garments made of natural fibres (like cotton, wool and silk).

Know when to rest. Rest when you feel tired.

Stop your activity immediately if you experience sudden or prolonged pain in any joint or muscle.

Cool down by stretching, and change into dry, warm clothes.

Stay hydrated. Don’t be fooled by the temperature. Your active body needs plenty of fluids even though it’s cold outside. Be sure to

Don’t injure yourself when knitting (NC) If you enjoy the cozy feeling of knitting during winter, be aware that this hobby requires repetitive motion – and much like typing, sewing, or any other repetitive task, a long season of knitting can lead to a variety of injuries.

Due to the extended length of time in a sitting position and looking down at the work, for example, knitting can cause strain not only on the hands and wrists, but also on the neck and upper back. In serious cases, knitting can also lead to carpal tunnel syndrome from improper wrist positioning and grip technique.

The Ontario Chiropractic Association has compiled a few tips and techniques to help knitters enjoy their hobby free of pain and discomfort. First and foremost they say, the single most important thing a knitter can do to prevent injury is take frequent, regular breaks, plus the following:

(NC)—Shoveling snow can be a pain in more ways than one. These tips from the Ontario Chiropractic Association will help to keep your back in top shape: • Don’t let the snow pile up: If the weather report calls for several days of snow, frequent shoveling will allow you to move smaller amounts of snow at once. It’s far less strenuous in the long run.

• Pick the right shovel: Use a lightweight pusher-type shovel. If you are using a metal shovel, spray it with Teflon first, so snow won’t stick to it.

Take steps to prevent a fall (NC) Every year, one in three Canadians over age 65 will take a fall – often with serious consequences.

You can do a lot to about this, however.

To start with, talk to a health professional, such as a chiropractor, about evaluating your health risks. A few steps of prevention can help you stay safely on your feet, as follows: • Remove your reading glasses when you are walking. Always slip them off before you take a step.

• Never climb on a chair or stool to reach something. Always ask for assistance.

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• Change the position of your body and look up from your work (and into the distance) often.

• Sit with your feet on the floor, in a chair, and try not to hunch. When adjusting your posture, try to engage your abdomen.

• Stretch your fingers by clenching your hands and then spreading your fingers as far as you can.

Stretch and strengthen your wrists with simple curls. Lay your forearm on a flat surface with your wrist at the edge. Holding a small hand weight let your wrist fall over the edge and then lift the weight up towards you only bending your wrist. The rest of your arm should remain laying flat on the table • Sit in a comfortable but supportive chair and consider placing a small cushion, rolled up towel or sweater between your chair and the curve in the small of your low back • The tools you use matter – consider smooth,

Watch your back and shovel with care

drink lots of water or juice before, during and after winter sports. Follow these tips, and you’re well on your way to having a safe and healthy winter.

More information is available online at www.yourback-health.com.

lightweight needles. Circular needles are best for large projects.

• Make small, efficient movements. Practice how small you can make your movements. Keep the working yarn close to the tip of the needles.

• Plan your knitting projects in advance and try to space them out over time.

Any pain or stiffness resulting from knitting should not be ignored. Knitting should be a fun, relaxing hobby, so make sure it contributes to your well-being and health, not to injuries. More information on back health, including how to protect it during snow shoveling, can be found online at yourback-health.com. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

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• Push, don’t throw: Always push the snow to the side rather than throw it. That way you avoid lifting heavy shovelfuls of snow, and sudden twisting or turning movements.

• Bend your knees: As with any heavy object, you need to use your knees, leg and arm muscles to do the pushing and lifting, while keeping your back straight.

• Take a break: If you feel tired or short of breath, stop and take a rest. Shake out your arms and legs. Stop shoveling immediately if you feel chest pain or back pain. If you have back pain that

is severe or that persists for more than a day after shoveling, see a chiropractor. If you have chest pain that is severe, see a doctor immediately.

More information can be found online at www.yourback-health.com. www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

(237 words) • If you have a pet such as a cat or dog, consider putting a bell or reflector on its collar. It’s easy to stumble across an affectionate or sleeping pet that’s in your path.

• Take your time. If you frequently find yourself rushing to pick-up the phone, consider investing in a cordless phone that you can keep near you. Don’t rush to answer the door. The visitor will wait.

• Always sit down to put on or take off shoes and clothing. Place a chair or bench near the entranceway.

• Keep hallways and stairs free of grandchildren’s toys.

• Wear shoes or slippers with non-slip soles indoors. That means you might have to give up that pair of loose, comfy slippers with the worn soles.

• Ask for help if you need it. Most people like to lend a hand.

More information is available at www.yourback-health.com.

Find these articles at www.newscanada.com 18

January 2014

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HEALTH AND SAFETY Important reminders to help with virus prevention (NC) With cold and flu season upon us, parents often worry about how to keep their kids from coming down with sore throats, runny noses, coughs and fevers. To minimize the spread of such viruses, and to protect your child from experiencing the symptoms, take a look at these simple but important tips: 1. Cover your mouth when you sneeze. Cold and flu viruses are often spread through sneezing.

Make sure everyone in the family coughs or sneezes into their sleeve to help prevent the spread of germs.

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2. Wash your hands. Teaching your children to wash their hands properly is essential for staving off viruses. There are even some innovative soap brands to make it lots of fun. Kandoo moisturizing hand soap, for example, contains Vitamin E and natural fruit extracts to moisturize while cleaning.

It pumps out bright, colourful foam which makes hand washing fun by letting your child see when they are covered with soap which can lead to a better clean.

3. Eat and sleep well. Make sure your child gets plenty of sleep, drinks lots of fluids and

Bathroom routines help kids become more independent (NC) As children grow and develop, they take pride in doing things on their own to become more self-reliant. Advisors tell us it’s important to let our little ones make their own decisions and learn through their own experiences. Personal hygiene is a good place to start.

“Many toddlers and young children think that getting clean is a barrier to having fun,” says Sheri McDonald, a parenting expert with the Kandoo cleansing brand. “Kids would, of course, prefer to be playing so we’ve made it our goal to catch their attention.” McDonald recommends introducing

your children to Kandoo moisturizing hand soap and body wash, both of which are designed so that kids can pump out bright, colourful foam and have fun while they are getting clean.

Another way to encourage greater independence with personal hygiene is to provide your toddlers with flushable wipes, especially the type that’s designed for little hands. “Our wipes can clean up to 30 per cent better than toilet paper and are the ideal solution during potty training,” says McDonald. She adds that praising your kids when they do a good job of getting clean will encourage

Potty training tips for parents (NC) As every parent knows, potty training can be a challenge. While some children might learn faster than others, it can still be difficult to start the process. Sheri McDonald, a parenting expert from the Kandoo cleansing brand offers these important tips on how to help your toddler master the potty: 1. Know when to start the potty training process.

Every child is different. The average age to start potty training is between 18-24 months; however, kids learn at their own pace and some may not be ready until after age two. It’s important to wait until your child is ready to transition from diapers and start using the potty.

2. Be consistent. Create a potty routine and stick to it. Children love consistency as it helps them feel in control. Work with your child to

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(216 words + 1 photo) greater independence and a willingness to follow good cleaning routines.

More information is available online at KandooKids.ca.

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develop a routine that you’re both comfortable with and follow the routine during every trip to the bathroom.

3. Try flushable wipes. They’re ideal for parentson-the go and for potty emergencies away from home. McDonald says that Kandoo flushable wipes are designed for little hands and they clean up to 30 per cent better than toilet paper. They are moistened with lotion to soothe and protect delicate skin and are biodegradable, making them safe for sewer and septic systems.

4. Stay positive. Potty training can be challenging. Staying positive will help you and your child maintain a willingness to persevere.

Give your child praise and love throughout the process and always reassure them when they have

Be careful what you share on vacation (NC) It’s tempting to post lots of details about a winter getaway online, and in real-time, but be aware that you aren’t the only one to have discovered how amazing it can be to share photos and information online and on social networks.

Cyber criminals like to “get social” too, but their definition of that term is to help themselves to your personal information, among other things. These criminals pretend to be people they aren’t and you can give them access to your personal information, location, and activities without even knowing it.

And that is just one threat. You can also put yourself at risk, by sharing comments or pictures that may come back to haunt you and your reputation.

Here are some tips to help you share with care: • Limit the personal information you share online to only what’s necessary. Be careful using your full name, contact information, home

eats nutritious foods.

The right amount of nutritious food and sleep will help to keep a little one healthy and will guard against sickness during the cold winter months.

More information is available online at KandooKids.ca.

an accident, as it is part of the learning process.

5. Use a reward system. Rewarding little ones with stickers can help motivate them to keep up the good work and continue with their potty training success.

More information is available online at KandooKids.ca. www.newscanada.com

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address, phone numbers, email address, last names of friends or relatives, age, birth date, or other personal information.

• Check the privacy and security settings of your social network and use them to control who sees what. Most have default settings which likely provide more access than you’d like. You can adjust settings to the highest possible level to protect your information and control who can see personal details (rather than “everyone” or “friends of friends”).

• Be cautious about geotagging photos or details in photographs that you post or share. Photographs can reveal a lot of personal information when there are clearly identifiable details such as street signs, license plates on cars, or the name of a school on clothing and geotag settings can reveal location details.

• Finally, don’t announce to the world that you are on vacation.

You might as well leave the door unlocked and welcome sign out front for thieves. Save those updates and photos to share when you return!

Protect while you connect. More information is available online at GetCyberSafe.ca. www.newscanada.com

Find these articles at www.newscanada.com January 2014

19

HEALTH AND SAFETY Protect your holiday shopping online (NC)—If you’re like a growing number of Canadians, you love the convenience of holiday shopping online. No wonder.

There are no slippery roads, no long lineups, and you can find something for everyone on your list with just a click of the mouse. But with this convenience comes certain risks.

Cyber criminals see the holidays through a different lens and they often use this busy time of year to target people who might not be watching their cyber security. To help you stay clear of those who are bound to be on Santa’s ‘naughty’ list, the federal government has posted some advice for safe online shopping at GetCyberSafe.ca. This includes tips to keep your identity, plus personal and financial information secure, as follows:

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• Look for a lock symbol on a website or “https://” at the beginning of the website address (the “s” means “secure”), an indication that the site is encrypted and safer to use for online transactions.

• Use only secure Wi-Fi to shop online. Don’t use public Wi-Fi to do any kind of financial transaction like banking or shopping.

• Read the shopping website’s privacy policy and find out how your information will be used.

• Pay by a secure method like a credit card. Do not send cash.

• Check your credit card statements, and if there are any unauthorized charges, call your credit card provider to report it.

• Consider using a separate credit card for online purchases, so it’s easy to track.

Secure your new mobile device immediately (NC) You are probably eager to explore that new device you received over the holidays, but right at the outset, think about protecting yourself.

Today’s smartphones and tablets do a lot more than just phone calls and text messages. They are mini-computers, handheld wallets, and they can hold a lot of information about you and your online accounts. If you don’t set them up to be secure, your phone can also be a welcome mat for cyber criminals.

So once you unwrap that new gift, check out these simple tips to make your new device secure: • Enable a passcode immediately so your device will always lock after a short period of inactivity.

• Avoid connecting to unknown or nonpassword protected Wi-Fi networks, even if they are private. An unsecure wireless

(NC) Children grow up fast. Sometimes it feels like yesterday when junior just learned to crawl, and today he or she is going online to check out the latest homework assignment or chat with a friend through a new app.

While parents and caregivers may not be as tech savvy as young people today, there are certain things that we do know about how to stay safe in real life – and those same rules apply to life online.

You don’t have to know how to video-call, send a text, or chat online to know how to keep your children safe in our digital world.

Follow these tips: • Talk about safety and the unknown: Inform your child about the risks of opening emails or texts from senders they don’t know, or what to do if a stranger contacts them. Discuss different scenarios and possible reactions. For example, if they get a text saying they should follow a link to collect a prize, tell your child to simply delete the message.

• Make password protection a priority. Children need to understand that their online information will be better protected if they use passwords.

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network can compromise your information, including your contact list, as well as give someone else use of your data plan.

• Be aware that mobile phishing (fake emails or texts that impersonate a friend or trusted organization) is a growing threat, especially since unusual messages can be harder to spot on small screens.

• Think carefully about what you absolutely need to store on your mobile device, and erase everything else. If it’s lost or stolen, you could be placing personal information in someone else’s hands.

• Back up your device and check out what security software may be available for it to protect all your information.

• Think before you download an app.

Understand what information (i.e., location,

Keep your children safe online

• Don’t respond to an email or a pop-up message that asks for financial information.

Legitimate companies don’t ask for this information this way.

• Don’t allow auto-fill for your passwords or personal information, like your address, and be cautious with your credit card information – make sure it’s shared on a secure site.

Learn how to protect while you connect at GetCyberSafe.ca

your contacts, social networking profiles, etc.) the app would access and share before you download it.

Always download apps from trusted sources.

Protect while you connect.

More information is available online at GetCyberSafe.ca. www.newscanada.com

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They should use different passwords for different sites and they should change them regularly. Make passwords strong (eight characters or more and a variety of letters, numbers and special characters), and never share them with anyone.

• Choose usernames for games and accounts that don’t reveal personal details about your child such as their location, what school they go to, their age or their full name.

• Check your anti-spy and anti-virus software.

Make sure your computer is fully loaded and up to date with this protection. New laptops often come with anti-virus software on a trial basis. Be sure to renew it or install new software when the trial period ends.

• Make sure files and apps from the Internet are from a trusted source.

• Emphasize the importance of protecting mobile devices. The first thing anyone should do with a new mobile device is activate a passcode. Talk to your kids about this, and the importance of protecting the device itself. A device that gets into the wrong hands could result in videos or pictures being posted online by someone else in your child’s name.

• Remind kids that what they post on the Internet is not always private. Once something is posted online, you no longer have control over it.

It can be forwarded, copied and pasted, manipulated, printed out or saved – it can remain online, in some form, potentially forever.

• Teach your kids to think before they click. It can take only seconds to snap a photo and post it to the Internet, or to post a comment. But it can be nearly impossible to permanently delete that comment or photo once it’s posted. They should only post things that they would be comfortable with the whole world seeing.

Protect while you connect. More information is available online at GetCyberSafe.ca.

Find these articles at www.newscanada.com 20

January 2014

www.newscanada.com

HEALTH AND SAFETY Make a resolution to stay ‘cyber safe’ (NC) Even with New Year’s resolutions, you can get ahead of the curve. How about, for example: “Think before I app” or “Keep a clean machine”?

Similar to eating better and exercising more, both resolutions aim at improving the quality of your life. The following ‘cyber safe’ resolutions, for example, could have an impact on your personal identity, on your online accounts, and even on your financial information: • Keep a clean machine: Keep software current and use the most recent versions of your mobile operating system, security software, apps and Web browsers. Resolving to do these simple things is among the best defenses against malware, viruses and other online threats.

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• Protect your personal Information: Check privacy settings on your online accounts. Use strong passwords, and be careful of what you share online including your name, location, and other personal details like where you go to school or your age.

• Secure your device: Use a strong passcode to lock your smartphone or tablet.

• Think before you app: Understand what information (i.e., location, your contacts, social networking profiles, etc.) the app would access and share before you download it. Always download apps from trusted sources.

• Back it up: Sync your contacts, photos, videos and other mobile device data with another device

Help uncover the signs of postpartum depression (NC) After the high of the baby shower, decorating the nursery, and leaving the desk at work, many new mums expect the beginning of motherhood to be a time of joy and discovery with their new baby. Unfortunately for many women, the first few months may be a struggle and it can be difficult to express these feelings when you are surrounded by cooing family and friends.

“Postpartum depression affects one in 10 women who have had a child, and can affect any woman, regardless of her age, race, or economic background,” says Dr. Thomas Ungar, chief and medical director of psychology at North York General Hospital. “It does not mean that there is anything wrong with your ability to be a mother.”

Dr. Ungar shares some useful information for new mothers, and those close to new mothers, to help identify postpartum depression:

(NC) Serious fractures, often caused by a fall, are all too common among our elderly population in Canada, and they often lead to a long stay in hospital. It is estimated that each year, one third of seniors living at home experience a fall and 52 per cent of hospital admissions are falls-related.

North York General Hospital (NYGH) and Osteoporosis Canada have developed a new way to help prevent recurrent fractures among highrisk patients. They found that patients who had a minor break were more likely to suffer from a hip fracture 10 to 15 years later.

• Speak with a therapist or counsellor, who can help you cope with your feelings and develop stress reduction techniques.

• Join a support group, where you will be able to share your thoughts and feelings in a caring environment.

• Let family and friends help with things like housework or watching older children.

• Eat regular, balanced meals.

• Exercise moderately, (like walking every day).

• Express your thoughts and feelings in a journal, and record changes in your moods.

• Seek urgent or emergency help if you feel unsafe. www.newscanada.com

Attention editors: This article is for distribution in Ontario only

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“Now that we know minor fractures indicate a risk of more severe fractures in the future, we are able to focus on prevention and early treatment,” says Dr. Gabriel Chan, director of elder care at NYGH. He suggests remembering the following guidance as his T.I. P.s to avoid trips: T – Tidy up: Maintaining a clutter-free home and removing tripping hazards can reduce your risk of falls. This may include electrical cords and loose rugs.

I – Invisible risk factors: If you have trouble seeing and/or hearing, you are at a higher risk for falls. Talk to your doctor about seeing a

Boost your immune system throughout the winter (NC) As the bitter winter takes hold, staying healthy is a priority for many Canadians as we try to avoid catching a cold or the flu. One of the best ways to boost the immune system is to supplement your diet and exercise with vitamins.

“Keeping your immune system strong is essential so you can be healthy all year round,” says Norman Tang, a pharmacist with North York General Hospital. “By taking vitamins we help to rebalance the body and provide an extra defense when we need it.”

www.newscanada.com

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Signs and symptoms: • Feelings of sadness or “down”-ness that don’t go away; • Inability to sleep, even when the baby is sleeping; • Inability to concentrate or make decisions; • Lack of interest in the baby, friends and family, or things you used to enjoy; • Feelings of guilt, worthlessness, hopelessness or despair; • Fear of being a “bad” mother, or that others will think you are; • Fear that harm will come to the baby; • Thoughts of harming the baby or of harming yourself; • Thoughts of death or suicide.

Remedies: • Talk to your doctor, family member, or friend about your symptoms as soon as possible.

Prevent your loved one from falling at home

or cloud service on a weekly basis.

Making these resolutions will help to keep you safe online. More information can be found at www.

GetCyberSafe.ca.

specialist such as an audiologist, optometrist or ophthalmologist.

P – Physical aides: Having the right assistive devices such as a walker, wheelchair or the right pair of shoes, could significantly reduce your risk of falls, particularly if you have trouble with walking or balance. Talk to your doctor about getting an assessment. www.newscanada.com

Attention editors: This article is for distribution in Ontario only

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Tang points out that vitamins B, C and D help your body fight off bacteria that can cause you to get sick, as follows: Vitamin B: The Prevention - B vitamins can help maintain a healthy immune system. They are also known to boost energy levels and ease stress.

Vitamin C: The Boost - Vitamin C helps boost your immune system, giving your body what it needs to help fight off germs, bacteria and viruses.

Vitamin D: The Extra Boost - This vitamin enhances your immune function and reduces the

risk of getting the flu. Other benefits of Vitamin D include maintaining strong bones, preventing cancer and improving heart health.

If you are unsure about what vitamins you need, talk to your family physician or pharmacist.

Remember to always let your family physician know if you are taking any new supplements. www.newscanada.com

Attention editors: This article is for distribution in Ontario only

Find these articles at www.newscanada.com January 2014

21

HEALTH AND SAFETY Learn about the professionals in charge of your care (NC) As health care becomes more complex in its ability to offer more services, there is likely to be an increase in the number of professionals involved in your care. To build trust in this team, it’s never too early to learn about the role and training required for each one.

When the Conference Board of Canada held a summit on health care, one of the issues discussed was that patients want access to seamless services and this would include the right combination of health care professionals working to meet their physical and emotional needs.

“With increasing collaborations in this field, it’s important for patients to know just who is on their health care team so they can trust the expertise of each member,” says Linda Gough, president of the Federation of Health Regulatory Colleges of Ontario (FHRCO).

FHRCO includes 26 regulatory colleges (www.regulatedhealthprofessions.on.ca), which

include nearly 300,000 member professionals.

The colleges set requirements for entering the professions, run quality assurance programs, and hold the professionals accountable for their conduct and practice.

From doctors to dietitians, and physiotherapists to pharmacists, no matter the makeup of the health care team, the professional standards required by the colleges should give people confidence in the high level of skills and judgment across the spectrum.

Partnerships that lead to the best possible care aren’t just a priority for patients. The colleges also work to encourage such professional collaboration.

Just as team members work together productively, the colleges also often exchange information and develop joint policies that support quality care.

Given the number of players on the health care team, FHRCO reminds that the public should learn more about them. “As an informed health care

How to get a copy of your health records (NC) Do you have a copy of your own health files?

If not, you are entitled to them.

Think about the other key records in your life, and where that information resides. Banks and lawyers have your financial and legal documents on file, but you probably have copies as well. It should be the same with medical records and yet many of us wonder who owns those files, and if they would be difficult to retrieve.

“The health care professional or facility owns the record, but the information belongs to you,” says Linda Gough, president of the Federation of Health Regulatory Colleges of Ontario (FHRCO).

FHRCO includes 26 regulatory colleges (www. regulatedhealthprofessions.on.ca), which hold nearly 300,000 member professionals accountable for their conduct and practice.

Why access a record? You may want to hold onto that information for easy reference, share the details with other family members, or take the time to review the material in the privacy of your

(340 words, Ont only) consumer, you have the right to know the title, role and specialty of every professional working with you,” says Gough.

Closer interprofessional teams are a rising force in health care because of the improved results. For instance, Statistics Canada reports that patients with access to primary health care teams are more likely to receive health promotion, disease prevention, and better coordination of care.

“When members of the regulated professions communicate and work well together, bringing their distinct contributions, that leads to better outcomes for people,” says FHRCO’s Gough. www.newscanada.com

Attention editors: These articles are for distribution in Ontario only.

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home. Or you may be switching care providers, and need to forward the information.

In some cases, you may be concerned about your care, or be involved in a dispute around it. Having the record lets you confirm the accuracy of the information, check timelines, or prepare for legal proceedings.

As Gough explains, the custodian of the paper or electronic health care record – whoever holds it – has to forward the information to you upon request.

When you see a health care professional, you essentially give consent to collect and use your health information for health care purposes only.

So these professionals can, for instance, share reports or summaries of your treatment with other members of a health care team.

You can request that a copy of your record be released to a lawyer, insurance company or other third party. However, the custodians of your personal health information can’t release

that record to anyone else without your specific agreement. You may be charged a reasonable fee to reflect the cost of preparing and forwarding the material.

There are certain exceptions where disclosure by a health care professional is mandatory, e.g. reporting that a child may be in danger to the Children’s Aid Society, or legal proceedings (when a summons, subpoena or court order requests patient records).

Individuals expect full access to all sorts of records containing vital personal information, and that includes health. “Remember, you have the right to view or get a copy of your records,” says FHRCO’s Gough, “and that can be an important part of taking charge of your health.” www.newscanada.com

Attention editors: These articles are for distribution in Ontario only.

Communication helps a health professional give you what you need (NC) With all the technological advances in health care, one key to the best results still comes down to this: a simple exchange of information between you and your health care professional.

Making informed health care decisions is a basic legal right. For that to happen, you need a clear understanding of what comes next in your care – and in turn, health care providers need as much relevant information from you as possible.

“Informed choices start by sharing your needs, worries and wishes with your health care professional. That helps them provide the most appropriate assessment and course of action,” says Linda Gough, president of the Federation of Health Regulatory Colleges of Ontario (FHRCO).

FHRCO includes 26 regulatory colleges (www. regulatedhealthprofessions.on.ca), which hold nearly 300,000 member professionals accountable for their conduct and practice. Part of their duty is ensuring that health care professionals are aware of their duties in obtaining informed consent

for treatments or procedures. It means you give approval based on understanding the purpose; the expected benefits and potential risks; any alternatives available; and the consequences of saying “no”.

It’s up to your health care professional to give you enough information to make a decision, and to make sure you understand the information and have given consent.

Being an informed health care consumer isn’t always easy. The Canadian Council on Learning reports that 60% of adults lack the skills to adequately manage their health care needs.

The report focused on health literacy, which is more than just reading and writing. It gets at how well someone can sort through and interpret health-related information.

Health literacy also includes the ability to ask questions, communicate with health care providers, understand the information and follow next steps.

When meeting health care professionals, people are sometimes shy to ask questions or request clarification. Each professional should offer every opportunity to do so, without making you feel rushed or awkward.

Failing to give your care professional a thorough picture or failing to fully understand what’s being done or recommended, can be a health risk in itself. The Canadian Council on Learning noted that Canadians with the lowest health literacy are more than two and a half times likelier to be in poor or just fair health compared to those with the best health literacy.

“Open and clear understanding, for all partners in health care, will support the best possible outcomes,” says FHRCO’s Gough www.newscanada.com

Attention editors: These articles are for distribution in Ontario only.

Find these articles at www.newscanada.com 22

January 2014

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HEALTH AND SAFETY Eat, sleep and press garlic, and tomorrow you’ll be healthy (NC) With cold and flu season upon us, you probably think you’ve heard all the prevention tips out there, but here are a few that are less well known. Check out these 10 tips to be a healthy, happy and more knowledgeable person during this year’s cold and flu season.

1. Did you know garlic has antibacterial properties or that thyme is an age-old remedy for coughs? Add both to chicken soup for even more healing powers.

2. Cold and flu season may not be the best time to be watching your figure. Cutting calories can make it harder to recover once you are sick.

3. Hit the snooze button a few times. Getting more than seven hours of sleep each night can help fight off colds.

4. The office can be a hotspot for germs. Be mindful of doorknobs, elevator buttons, conference tables, keyboards and kitchen areas.

5. Eating green veggies, like broccoli and spinach, add helpful antioxidants to your diet and keep you immune system healthy.

6. When a fever strikes, cool down faster by putting a wet towel around your shoulders instead of on your forehead.

7. Not all liquid is hydrating – stick to water, herbal tea and fruit juice when you’re sick.

8. It’s important to distinguish between a cold or the flu - The flu bug hits suddenly bringing with it fever, headache, aches and exhaustion while a cold can appear gradually bring sinus congestion and sore throat.

9. Get prepared by using a cold and flu prediction tool like achoo by Kleenex. It can tell you when you are mostly likely to be at risk and other ways to prepare yourself. Check it out at my-achoo.com 10. Crack a smile – smiling can boost your mood and your immune system!

Congratulations! You are now 10 tips smarter about cold and flu season. Go forth and impress your friends. www.newscanada.com

Secret to easing cold or flu suffering? Never catch one (NC) We’ve all heard it - the home remedies to cure a cold or flu told to us by the friend of a friend of a friend who just swears it always works. Some people consume copious amounts of a specialty tea, while others are proponents of sweating out your sickness.

Some mix cough syrup concoctions and others are convinced you have to ride out the storm.

The best way, however, to ease seasonal cold and flu ailments, like runny nose, sore throat and aching body, is to protect yourself before you get sick.

Here are eight tips to help you keep seasonal illnesses away.

1. Get the flu shot. It’s free and it can prevent the flu from taking hold up to 90 per cent of the time among healthy adults and children.

2. Wash your hands with soap and water thoroughly and often.

3. Keep alcohol-based hand sanitizer handy with at least 60% alcohol content.

4. Cover your mouth and nose with your arm or use a Kleenex brand tissue when you cough or sneeze to help keep stuff off hands and dispose of the tissue immediately.

5. Stay home from work if you are sick.

6. Avoid touching your eyes, nose and mouth as the flu virus usually enters the body through those areas.

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7. Eat well, exercise and get enough rest.

8. Get educated and know when the cold and flu are likely to hit your community.

Forecasting tools, like achoo by Kleenex, can help you get prepared. Visit my-achoo.com Don’t spend all winter experimenting with home remedies. Proactively protect yourself from cold and flu germs this season and you can stop your runny nose before it starts flowing, soothe your throat before it starts hurting and ease your aches before you start aching. www.newscanada.com

Sneeze the modern way, to spare family and friends your germs (NC) Imagine you are standing in a cramped elevator, waiting to get out of this forced uncomfortable situation, when someone behind you sneezes. As a wave of hot air rushes out of their mouth and nose, you feel the germs droplets landing on the back of your neck causing you to shiver with repulsion. You, my friend, have just been slimed.

Many people have had an experience like this, making them wish everyone had been taught how to keep their germs to themselves. Today’s best medical advice is that sneezing into the crook of our elbow or directly into a tissue is best to prevent the spread of germs. But there are many

adults out there in public raised on the idea that sneezing into your hand is the way to corral your germs. The proper etiquette for this bodily function has changed over the past few decades from handkerchiefs to hands, with an emphasis on the ‘elbow shield’ coming into vogue in the 1990s. This means that people who practice the pre-90s habit of using the hand cover are likely contributing to the spread of germs – germs that will not only make their family, friends and coworkers sick, but that might circle back around to bite them a second time.

So, let it be known that the recommendation for preventing the spread of cold and flu germs is to

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cough and sneeze into your arm, not your hand.

It is also wise to get your flu shot, wash hands frequently, keep common surface areas clean and disinfected and finally, stay home if you are sick.

Only you should experience your sneeze and adopting the most up-to-date sneeze etiquette will minimize your chance of getting sick, as well as those around you.

To track the cold and flu virus and its potential impact on your community visit: my-achoo.com www.newscanada.com

Find these articles at www.newscanada.com January 2014

23

HEALTH AND SAFETY Newest online tool finds the right vitamins for you

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(NC) With so many choices, vitamin and supplement aisles are often overwhelming.

To make this shopping easier to navigate, one Canadian retailer has launched an innovative online tool to help us find the products we need.

At www.lifebrandvitamins.ca, the new vitamin finder can be used to access information about vitamins, minerals, supplements and natural health products that are available in any Shoppers Drug Mart store. A few clicks can yield important information about product benefits, ingredients and recommended dosage. The product finder can

be used to search for products that support specific health concerns or conditions, such as arthritis, diabetes, asthma, pregnancy, cognitive function, immune health, heart health and eye health.

“More and more people are finding their health information online, so it’s important to get it from a trusted source,” says Shoppers Drug Mart pharmacist Christine Yu. “Online tools like the vitamin finder make it easier for Canadians to find the information they need when it’s convenient for them.” Yu adds that pharmacists are a vital resource who can answer questions about vitamins

Get to know your vitamins

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(NC) It’s easy to remember important vitamins by simply thinking of your ABCs. To ensure you and your family are getting enough of them in a balanced diet,nutritionist Louelle Levenberg outlines the key benefits of vitamin supplements from A to E: Vitamin A Vitamin A helps maintain bones, teeth, skin and vision and also supports a healthy immune system. Food sources of vitamin A include liver, dairy products and fish—but did you know that the body also converts carotenoids from plant foods into vitamin A? Carotenoids are found in high quantities in dark green, yellow, orange and red vegetables and fruit.

Vitamin B Important B vitamins include Thiamin (B1), Niacin (B3), Riboflavin (B2), Folate, B6 and B12. They work to make red blood cells, form DNA,keep the nervous system healthy and even help the body use energy from food. B-vitamins are found in all four food groups, so be sure to eat a variety of foods from Canada’s Food Guide.

Vitamin C Vitamin C, or ascorbic acid, is important for the growth and repair of bones, teeth, skin and

other tissues and can increase the body’s ability to absorb iron from plant foods. Well-known for its antioxidant properties, vitamin C also helps prevent cell damage and supports immune health.

Vegetables and fruit are the best sources of vitamin C; some foods, like peppers, broccoli, cabbage, guava, papaya and oranges, provide higher levels of vitamin C. Vitamin D It’s important to get enough Vitamin D because it helps the body absorb and use calcium and phosphorus for strong bones and teeth. It can also help protect against infections by keeping your immune system healthy. Food sources of Vitamin D include milk, yogurt, eggs and fish.

Vitamin E Vitamin E is an important antioxidant that helps protects cell damage by free radicals and also helps support healthy immune functions. Vitamin E is found in foods that contain healthy fats like nuts, seeds and cold pressed vegetable oils, and also in green leafy vegetables and fortified cereals.

“When you lack key vitamins and nutrients, feel stressed, or are sleep-deprived, your immune system can suffer, increasing your susceptibility to illness and fatigue,” says Levenberg. “If you can’t

Learn the latest news on vitamin supplements (NC) Women have different nutritional needs than men, and these needs change during the varied stages of life. To keep things simple, it’s good to know that many vitamins and supplements are designed to meet the specific needs of each gender.

For example, Life Brand’s popularDaily One is designed for women and contains extra ingredients like calcium and iron. Many women need to eat more calcium-rich foods. Those who do not get the recommended two servings of dairy per day (three if you’re over 51) may be lacking calcium, a key mineral in maintaining strong bones and teeth. Life Brand offers a wide selection of multivitamin formulas for women and offers more than 20 different calcium products. To promote bone health, consider supplements with calcium, magnesium and vitamin D. New combination products can help support specific health concerns. A women’s probiotic

and supplements and check to see if they might interact with other medications.

Whether it’s to support pregnancy or contribute to overall health and vitality at any age, there are many vitamins, minerals, supplements and natural health products to choose from.

Shoppers often spend a lot of time scanning the supplement shelves searching for the products they need, the new online tool can help them find a lot of this information easily and when it’s convenient for them www.newscanada.com

always eat healthily, you may want to add a supplement.” She suggests a spectrum multivitamin to top up vitamins A through E and other key nutrients.

“Everyone has different nutritional needs depending on age, health or dietary needs,” she explains, “so it’s important to choose a supplement that is right for you.”

“A helpful online source for information is the vitamin finder at www.lifebrandvitamins.ca,” Levenberg points out. “If you would like to make it easier to take vitamin supplements, take a look at new formats the like latest vitamin D offering from Life Brand that comes in a chewable tablet.”

Other formulas, such as vitamin C, are available in blueberry and citrus flavours. For kids, Levenberg recommends Life Brand vitamin D drops and gummy multivitamins. www.newscanada.com

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supplement from Life Brand contains cranberry and supports both digestive and urinary tract health. For healthy hair, skin and nails, look for a new combination formula that contains ingredients like selenium, biotin, lutein, vitamins E and B1, and beta carotene.

Do you want to consume more healthy essential fatty acids for heart health and cognitive function? Oily fish and flax oil are rich in Omega-3 fatty acids which play a role in heart and brain health. If you’re not getting two servings per week of oily fish like salmon, look for Omega-3 blends, such as an Omega 3-6-9 product.

Life changes like aging and pregnancy can impact a woman’s diet and supplement needs.

Consult your doctor or pharmacist to see if you might need to take a vitamin supplement.

“Supplements are not meant to replace foods, but to balance a nutritious diet,” says Shoppers Drug Mart pharmacist Veneta Anand. “During

pregnancy, for instance, your doctor or pharmacist can help you choose an appropriate supplement that contains suitable amounts of vitamins and nutrients for mom and baby.”

A folic acid supplement should be taken by healthy women who are planning to become and are pregnant. In the later stages of pregnancy, more iron is required to help produce healthy red blood cells.

Sometimes it’s difficult for women to consume enough iron from foods, and most doctors recommend that pregnant women take a daily iron supplement of 30 mg to 60 mg of elemental (ferrous) iron in addition to any other prenatal vitamins. At Shoppers Drug Mart, Anand suggests a range of vitamins suitable for pre-natal and pregnancy needs, including the new Prenatal Kit and a new Algae Omega-3 Prenatal supplement.

Find these articles at www.newscanada.com 24

January 2014

www.newscanada.com

HOME AND GARDEN Make the switch to the bright new world of LED lights (NC) As the Canadian government transitions out incandescent light bulbs, it’s time to embrace the next generation of this 134 year old technology – namely Light-Emitting Diodes, better known as LED. With the advances made in this technology, LED bulbs are light years ahead of their predecessors and The Home Depot is now making it easier for Canadians to make the switch at a reasonable cost. If you still need convincing, here are just a few of the reasons to choose energy efficient lighting.

Cost and energy savings: With new bulbs priced between $9.00 and $13.00, and local rebates available to further reduce costs, LED lighting doesn’t break the bank. And because these light bulbs use approximately 85 per cent less energy than incandescent bulbs, homeowners could see a significant reduction on their energy bills. In fact, by replacing the five most frequentlyused light fixtures with LEDs, consumers can

save an average of $60 per year on electric bills.

That means the bulbs pay for themselves in a very short time.

Long life: LED light bulbs last an average of 25,000 hours (22 years based on usage of three hours a day). This can save a lot of time and hassle around the house, and reaching that awkward fixture located in the hardest-to-reach place.

Eco friendly: LED lights are free of hazardous materials, 100 per cent recyclable and have a longer life span. This means less waste and a step towards a greener future.

Variety: There is an LED for every space in your home – from the elegant chandelier in the dining room, to the safety lights in the driveway. And because everyone’s lighting preferences are unique, companies like Cree and Philips are offering options across the spectrum so you can be sure to find the right light for you.

Shining a light on LED myths and facts (NC) It’s time to set the record straight. As the government transitions out incandescent light bulbs, there are many misconceptions that need to be addressed about energy-efficient options available – in particular LEDs (Light Emitting Diodes), the newest kid on the block. According to experts in the lighting department at The Home Depot, the following misperceptions are the most common.

Myth #1: They only work for basic fixtures Fact: There are LEDs for every need, including many household appliances, indoor flood lighting, decorative bulbs (chandeliers) and outdoor fixtures. LED bulbs can also be as small as 2 millimetres making them ideal for fitting into hard-to-reach and compact areas.

Myth #2: They produce bright blue and blasting light Fact: Colour temperature describes the visual warmth or coolness of a light source and LED lights are available in a wide range, from a bright light or a mellow glow, making them suitable for

(NC) They call it mood lighting for a reason.

Whether it’s a cozy and intimate den or a bright and functional work space, choosing the right location, wattage, and fixtures is one of the most important design decisions you can make.

And with the news that incandescent light bulbs are being transitioned out across the country, now is the best time for a re-evaluation of your lighting needs. According to the experts at The Home Depot, the right lighting for every space is as easy as following these trusted tips.

Setting the scene: Each room should have a mood that reflects its use. Direct or task lighting focuses on a workspace, like a countertop; and ambient or indirect lighting is used to create atmosphere, for example in a dining area. Remember to vary the brightness levels in different areas of a room to help prevent “lighting fatigue” which often occurs in shadow-less spaces, such as conference rooms.

The layering effect: Using a variety of light sources in a room creates a multitasking space

If you’re ready to make the switch, The Home Depot has a variety of LEDs, CFLs, and halogen options available either in your local store or online at www.homedepot.ca. www.newscanada.com

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any room. They also offer dimming and colour changing abilities – whether you want to create a natural atmosphere in the bathroom or elegant, ambient lighting in your dining room.

Myth #3: They are too expensive Fact: LEDs have an incredibly long life, lasting up to 25,000 hours (22+ years) – compared to the lifespan of an incandescent light bulb, which is approximately 1,000 hours. Based on lifespan and typical electrical usage, an incandescent light bulb will cost homeowners about $8.00 per year to run, while an LED bulb comes in at only $1.75.

Myth #4: They are hard to find in stores Fact: Retailers across Canada, including The Home Depot, carry hundreds of LED products to meet all your household lighting needs. With wellknown brands like Cree and Philips, the bulbs are widely available.

Myth #5: Switching to LEDs requires changing existing fixtures Fact: All LEDs currently on the market are designed to fit all types of existing sockets. They

See your home in a new light

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work in standard bases that are common with incandescent and halogen installations. In most cases, they are the same size if not slightly smaller than the bulbs they replace and do not pose any difficulties when making the switch.

Visit The Home Depot or visit www.homedepot. ca to check out the wide selection of bulbs available and start saving today. www.newscanada.com

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– from under cabinet kitchen lights for prepping meals to pendant lights for homework and casual entertaining. Start with ambient light to evenly illuminate, then spotlight work areas with directional lighting. Accent and decorative lights, such as chandeliers and lamps, bring it all together.

Go for drama: Why not add a crystal chandelier to an ensuite bath or emphasize a wood-beam with focused accent lighting. Creating drama is all about up-lighting to focus attention on important elements like a fireplace, painting, or an architectural detail.

Multi-directional: Consider using directional lighting on countertops, kitchen islands, dressers and seating areas to add interest. Reduce shadows without creating the “office” effect by training recessed fixtures on the table and chandelier in the dining area, or down-lights directly over sinks and vanities.

Dimming for dollars: Dimmers are the quickest fix for setting the mood and won’t break the bank.

And as the days get shorter and we need more lights on, switching to high efficiency bulbs will help reduce the monthly bills. In fact, why not try out the latest in LED, CFL, or halogen technology?

The lighting department at The Home Depot has a wide selection of bulbs including the options from manufacturers like Philips and Cree. www.newscanada.com

Find these articles at www.newscanada.com January 2014

25

HOME AND GARDEN Make safety your New Year’s resolution (NC) Rather than cut back on sweets this year, why not make a resolution to make your home safer in 2014? According to Enbridge Gas Distribution, Ontarians can learn how to use natural gas safely in their homes in just six seconds. Here are a few ideas to get you started: • Book an inspection: In winter months, Ontarians are indoors with windows closed and fuel-burning appliances running, which makes the risk of carbon monoxide (CO) exposure higher.

All fuel-burning equipment, including the furnace and gas fireplaces, should be inspected once a year by a licensed heating, ventilation and air conditioning (HVAC) contractor to ensure they’re working properly.

• Check CO alarms: CO alarms are your second line of defense. Take the time to test your CO alarms

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once a month. Change your batteries in your CO alarms every year when you change your clocks.

• Clear the meter: Check your natural gas meter, regulator and appliance exhaust vents for snow and ice. If needed, use a broom or car brush to gently clear them. Use caution when shoveling or using a snow blower to prevent damage.

• Teach your kids: Make sure everyone in your home knows that a gas leak smells like rotten eggs.

All family members should know to leave the area immediately and call the gas utility.

• Create a phone list: Post emergency numbers, including the doctor, fire and utilities, by every phone in your home and program these numbers in every cell phone in case of an emergency.

For more home safety tips, visit www.SixSecondSafety.com

How to save money and energy this winter (NC) Most of the energy used by individual Ontarians goes to heating and cooling homes. During the long and cold winter heating season, there are a number of ways to cut back and save on bills. Enbridge Gas Distribution provides the following tips to save you a few dollars this New Year.: In the kitchen • Turn the oven off a few minutes before the cooking time is over. The heat remaining in the oven will finish the job.

• Only preheat the oven for baking – and then, only for about seven minutes. Most foods, such as roasts and casseroles, don’t need a preheated oven to cook properly.

In the washroom • Sing shorter songs in the shower. The average shower is about eight minutes. Try reducing to five or six.

• Install energy-efficient showerheads.

• The best temperature for your water heater is 54 degrees Celsius. That’s hot enough for

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Attention editors: This article is for distribution in Ontario only.

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washing, showers and baths, and reduces the risk of scalding.

In the basement • When you replace your old electric water heater, consider a tankless natural gas water heater as it heats water only as needed.

• Replace the furnace filter every three months (or clean a permanent one). When the filter is dirty, airflow is restricted and the furnace must work harder, requiring more energy.

• Keep vents and air returns free of obstructions.

Furniture, dust, or pet hair can block vents, reducing airflow and the efficiency of the furnace.

In the family room • If you have a wood-burning fireplace, keep the damper closed when not in use. This helps prevent cold outside air from coming down the flue and warm inside air rising out of it.

• If you purchase a natural gas fireplace, consider a direct vent model. It uses outside air for combustion instead of drawing air from the home.

High home energy score could help sell home

For more ways to save energy and money in your home, visit www.EnbridgeGas.com www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

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Looking to boost the resale value of your home? Knowing its energy score could help.

(NC) An energy score is an rating given to your home after it has been audited by a professional home energy auditor. Similar to a house’s walking score, an energy score can be listed on the MLS listing for your home, and it can be a selling point for potential buyers.

Assessing previous energy bills are not always indicative of the actual energy efficiency of the home. Often times, energy bills reflect the lifestyle of the residents, not the house’s efficiency. An energy audit and energy score provides potential buyers the actual efficiency of your home.

An energy audit rates your home’s energy efficiency level on a scale of zero to 100. The more energy efficient the home is, the higher the score.

A rating of zero represents a home with major air

leakage, no insulation and extremely high energy consumption, whereas a rating of 80 represents an airtight, well-insulated, and sufficiently ventilated home with high-efficiency equipment.

During an energy audit, homeowners receive recommendations on upgrades that can help make their home more energy efficient.

If you decide to sell, be sure to tell your realtor about Enbridge Gas Distribution’s Home Rating program. By having your realtor include your energy score on your MLS listing and other marketing material, you are letting potential buyers know that they can save on their energy costs.

For more information on your home’s energy efficiency, visit www.knowyourenergyscore.ca.

www.newscanada.com

Attention editors: This article is for distribution in Ontario only.

Find these articles at www.newscanada.com 26

January 2014

HUMAN RIGHTS Canadian exposes torture in West Africa (NC)—Alex Neve, head of the Canadian arm of the human rights organization Amnesty International (amnesty.ca), recently led a research mission to Mauritania in West Africa to look into allegations of torture. Amnesty’s work is funded by the organization’s 3.2 million global members (including 80,000 in Canada) and the organization conducts over two hundred research missions in a typical year.

Neve and his colleagues spent many days in Central Prison in the Mauritanian capital Nouakchott. They interviewed about 30 people who had been convicted on terrorism-related charges, and sentenced to punishments ranging from one year’s imprisonment to the death penalty.

All provided the Amnesty team with detailed descriptions of the torture that they experienced in police custody.

Among the prisoners was a Canadian, a man named Aaron Yoon from London, Ontario, who

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had been held for more than 18 months and was later released and returned to Canada.

All the prisoners told Neve about the torture they experienced in police custody. Frequently the torture involved chaining prisoners’ hands and feet together, suspending them from window grilles, doorways and ceiling fixtures, and beating them repeatedly. The torture would only stop when prisoners agreed to sign a confession, which was generally not even read to them before they signed it. That “confession” would then lead to a conviction and a prison sentence.

“You hear a lot about security and anti-terrorism in Mauritania these days,” Neve points out. “The country has watched events in neighbouring countries with considerable worry—events such as the Al Qaeda in the Islamic Maghreb offensive launched in 2012 in Mali. Internally and externally the authorities are under pressure to stand firm against threats. And of course they should. But

Not forgotten: The Canadians wrongly jailed abroad (NC)—Hamid Ghassemi-Shall spent five-anda-half years in Iran’s notorious Evin prison on charges of espionage, and faced the death penalty.

He was released from prison on September 23 and returned to Canada on October 10.

Throughout the time that Ghassemi-Shall was detained, members of the human rights organization Amnesty International (amnesty. ca) wrote hundreds of letters and signed tens of thousands of petitions and post cards, calling on the Iranian authorities for his release.

Ghassemi-Shall’s return to Canada gave human rights supporters reason to celebrate. In his darkest moment, he said that his hope was renewed knowing that his wife in Canada and family in Iran were doing everything possible to ensure that his nightmare would come to an end.

While this one man is home, thousands of others remain behind bars in Iran, including Abdolfattah Soltani, a human rights lawyer and Saeed Malekpour, a Canadian permanent resident.

Saeed Malekpour was originally sentenced to death after a web-based program he developed was used by others to post pornographic images

(NC) In person or online, avid readers enjoy getting together to discuss the content of thoughtprovoking books – and now Amnesty International is launching a book club with an inviting twist.

In addition to reading a recommended book every month, members will also have an opportunity to take action on a human rights issue, or on a country featured in the story. .

www.newscanada. com Photo: Amnesty_ Mauritania Photo caption: Amnesty International researchers speaks with the director of penitentiary and penal affairs (right) inside the entrance to the central prison in Nouakchott, Mauritania.

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to the Internet. He has reported being tortured while held in solitary confinement in Evin prison.

His death sentence was later reduced to life imprisonment. Amnesty International is calling for his unconditional release if he is being held solely for the creation of his web-based program.

In addition, Amnesty International tells us that they continue to campaign on behalf of other Canadian citizens who remain imprisoned abroad following unfair trials, including Huseyin Celil and Bashir Makhtal.

Huseyin Celil is an indigenous Uighur from the Xinjiang Uighur autonomous region of the People’s Republic of China. In 2006, while visiting his wife’s family in Uzbekistan, he was detained

by Uzbek police and deported to China without the consent of the Canadian government. Mr. Celil was sentenced to life imprisonment following an unfair trial because he advocated for democratic and religious rights for Uighur Muslims in China.

His wife and children live in Hamilton, Ontario.

Canadian citizen Bashir Makhtal, imprisoned in Ethiopia, also hopes that someday he will be able to come home to Canada. Bashir Makhtal

Join a different kind of book club

serious human rights violations are being committed in the name of security which, in the end, serves only to spread injustice and deepen insecurity.”

was arrested in Kenya in 2006 and illegally transferred to Ethiopia. He was held in secret detention, with no access to lawyers, family, or Canadian consular officials.

Eventually he was accused of providing support to an armed group, the Ogaden National Liberation Front and sentenced to life imprisonment after an unfair trial in 2009.

www.newscanada.com Photo: Amnesty_Ghassemi_Shall Photo credit: Donald Payne Photo caption: Hamid Ghassemi-Shall arriving at Toronto’s Pearson airport. Pictured with him is his wife Antonella Mega who campaigned tirelessly for his freedom.

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“One of the great things about Amnesty International is that it gives everyone the chance to take action to protect human rights,” says Samantha Burdett, a volunteer and one of the new book club’s founders. “We’re hoping the book club will allow us to reach more Canadians who are interested in human rights issues and who want to help other people around the world.”

To find out more about the Amnesty International Book Club, or to sign up for the recommended book suggestions and discussion guides every month, you can write to: Amnesty International Book Club, 1992 Yonge Street, Suite 314, Toronto, Ontario, M4S 1Z7. www.newscanada.com

Join Amnesty’s new book club and read Three Day Road in January (NC) If you’re one of the thousands of Canadians who want to join a book club but haven’t found one yet, consider joining a new book club launched this month by Amnesty International.

January’s book is Three Day Road by Canadian author Joseph Boyden. This book was recommended by author Nino Ricci, and tells the story of a Cree soldier returning from the First World War.

In addition to reading the book, and using the discussion questions Amnesty will provide, you’ll be able to take action on a case related to Canada’s First Nations.

“Giving people a chance to take action on something they’ve just read about is a uniquely Amnesty thing”, says Renee Saviour, a volunteer and one of the new book club’s founders. “We want to involve more Canadians in taking action

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on human rights issues and we hope the book club will help us reach new people who are interested.”

To find out more about the club, or to sign up to receive the recommended book suggestions and discussion guides every month, you can write to: Amnesty International Book Club, 1992 Yonge Street, Suite 314, Toronto, Ontario, M4S 1Z7 or call 1-800-266-3789. www.newscanada.com

Find these articles at www.newscanada.com January 2014

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HUMAN RIGHTS Anglican Church initiatives make a difference globally (NC) Some of the lesser known relief organizations are also doing exceptional, life-saving work.

For example, the Primate’s World Relief and Development Fund (PWRDF) is the Anglican Church of Canada’s official relief and development agency. With the support of Anglican parishes and dioceses across Canada, PWRDF makes financial and human resources available to support partners’ initiatives and to promote involvement at home and around the world. PWRDF strives to be a part of the outreach ministry of every Canadian

Anglican parish, and serves as a reminder that all Anglicans strive for justice and peace, and respect the dignity of every human being.

The Most Reverend Fred Hiltz is the 13th Primate of the Anglican Church of Canada and is president of PWRDF’s Board of Directors.

As Primate, Archbishop Hiltz has dedicated himself to supporting ministry on the ground, and to educating Anglicans and Canadians about the fund’s initiatives. Executive director Adele Finney leads the staff team in implementing

Direct your generosity towards food security (NC) Are you aware of the global goal for ‘food security’, an issue that doesn’t seem to attract a lot of attention in our land of plenty?

According to the World Health Organization, food security is defined as existing when “all people at all times have access to sufficient, safe, nutritious food to maintain a healthy and active life”. This is a worthy goal. observers agree.

Food security is vital and without it, people may not be able take medicine, sleep well, go to school, work and generally contribute to society.

Food and nutrition are fundamental for positive physical and mental health, fueling community growth and prosperity.

PWRDF’s strategic plan and mission.

More information is available online at www.pwrdf.org. www.newscanada. com

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The Primate’s World Relief and Development Fund (PWRDF) is the official relief and development agency of the Anglican Church of Canada, and as such, places a strong focus on establishing food security in communities around the globe. The issue of food security is an integral part of all PWRDF programs, so much so that a new campaign has been launched featuring the fund’s president, Archbishop Fred Hiltz, who is also primate of the Anglican Church of Canada.

The Archbishop (who prefers to just be called Fred) is close to this issue and he has spent a great deal of time educating people around the world on the topic. As the ‘voice’ and person now behind the

Let’s work together for global food security

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‘Fred Says’ campaign, he is encouraging all Canadians to learn about food security through four unique programs that are making a difference in every day lives.

More information is available online at www.fredsays.ca. www.newscanada.com

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An opinion-editorial by Archbishop Fred Hiltz, Anglican Church of Canada (NC) I often speak about various issues and events that are having an impact on local communities here in Canada, whether this is the flooding experienced in Calgary earlier in the year, or a fundraising initiative for a local Church.

Life-threatening problems outside Canada are also expected to affect us significantly – and international food security is one of these.

My role as Archbishop of the Anglican Church of Canada – and as the president of the Church’s official initiative, The Primate’s World Relief and Development Fund (PWRDF) – is to bring communities together, inspire positive change, and encourage involvement. This can take a number of different forms; in some cases Church go-ers are compelled to get involved by volunteering their time and skills, while others support a cause through financial donations. At the end of the day, what matters is that the community responds and becomes engaged – this is what it is all about.

With so many human and environmental issues here at home, it can be difficult to look past the confines of our own backyard to places like Mozambique or Haiti, but as a global community it is our responsibility to maintain a greater sense of awareness and establish connections with those in need of help. As mentioned, an issue that is common to communities around the world and something that continues to be a focus for me and the Church is food security and sustainability.

What do I mean by ‘food security’?

It is not a term well understood by most, but it refers to the availability of food and one’s access to it. Food security is vital and without it, people may not be able take medicine, sleep, go to school, work and generally contribute to society. Food

and nutrition are fundamental for positive physical and mental health, fueling community growth and prosperity.

For the average Canadian, it may seem impossible to have any impact on such a massive issue like international food security, but that is where I need to remind everyone that no matter how big a challenge is or may appear to be, getting involved and making a contribution is key. Everyone has their own definition of ‘commitment’ and I encourage those contemplating involvement to do so in a way that makes them comfortable. At the end of the day, as long as we are engaged in the issue, we will make a difference.

PWRDF approaches the issue of food security in the same way I encourage Canadians: every action counts. I am often known simply as Fred and personally, this issue is so important to me now I’ve become the ‘face’ of a new campaign – Fred Says – that places a ‘unique’ spotlight on food security and highlights four PWRDF projects that are having an impact and improving lives at a local level by working to ensure community members have access to good, nutritious food all year round.

Over the next eight months we will be profiling a number of projects dedicated to making a difference when it comes to food security and encouraging support from the community. For example, in presenting the EHALE program for AIDS patients in Mozambique, I ask; Have you eaten today?

For Canadians, I hope to provoke some thought.

Why might I be asking this question? For these patients suffering from the AIDS virus, ensuring they’ve eaten and are nourished is vital, since

without food the antiretroviral medications can cause someone to be ill and in some cases, even die.

We are looking to make meaningful impacts on the lives of 600 more AIDS patients living in Mozambique.

This is an achievable goal that does many things: It ensures that patients have access to food so that they can take their medicine; it inspires the global community to recognize that it all starts with food; and, that by reaching out we can all help to make a difference. We can have a positive impact and change the lives of those in need.

Three other projects that highlight the food security issue will be shared throughout 2014 with each demonstrating what can be accomplished when global communities become involved.

Whether it is a ‘train the trainer’ program designed to teach Cubans the art of farming, canning and preserving foods, or training families in East Africa on sustainable farming techniques to overcome poor soil conditions, it all points to the larger message of engagement and supporting communities both here in Canada as well as those around the world.

More information is available online at www.fredsays.ca or www.pwrdf.org.

Find these articles at www.newscanada.com 28

January 2014

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HUMAN RIGHTS Disaster relief is a major commitment of the Anglican Church (NC) The Primate’s World Relief and Development Fund (PWRDF) is the official relief and development agency of the Anglican Church. It partners with its broad community of churches, with ecumenical organizations and with community-based groups across the globe. The PWRDF vision points to a truly just, healthy, and peaceful world. A snapshot into the inspirational work being done globally, as well as here in Canada includes: • In response to Typhoon Haiyan’s devastation of the Philippines, an initial $20,000 and continued fundraising helps those in need.

• The flooding in Calgary earlier this year devastated so many. This included Rowan House, an emergency shelter in the area that was significantly impacted and is no longer functional as a result of the flooding. PWRDF donated $7,000 to help rebuild this important piece of the community.

• There are more than 2 million people in Namibia and Angola affected by severe draughts this year. Fifty thousand dollars has been sent to make sure that people have access to food and water as well as to programs to diversify their livelihoods and to prepare their communities to

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respond to future droughts.

M o r e information is available online at www.fredsays.ca, or www.pwrdf.org.

www.newscanada.com

PERSONAL FINANCE Newcomers: Get assistance with your income tax return (NC) – As a newcomer to Canada, the first things you take care of are the basics, such as housing, employment, transportation, and so on. What you may not have considered, however, is what it means to be part of Canada’s tax system, and how to file your first return.

All new permanent residents must file an income tax and benefit return, like all Canadians. Even teenagers working part-time should file a return to make sure they get taxes back if eligible. They may also qualify for some benefit payments, even if they have no income.

Filing your return is the way you report your income for the year, claim any deductions or tax credits, and calculate your correct tax payable -

this could mean money back if you have paid too much. Filing your return is also how you apply to receive certain benefit payments. A benefit payment is money you receive regularly to help you pay for your expenses. These benefits include the GST/HST credit, the Canada child tax benefit, and the universal child care benefit.

Learning about taxes may seem overwhelming but there is help. You can learn about your tax obligations as a new resident and get the information you need to file your income tax return on the Canada Revenue Agency website at www.cra.gc.ca/newcomers.

If you’re stuck and want face-to-face help, there is a program where volunteers help people with

Money-saving tips for retirees at tax time (NC) – After years of working, you can finally call it quits and enjoy the golden years of retirement.

Your days may be filled with activities such as golfing, skiing, playing bridge, or maybe even volunteering for your favourite charity. One activity you may not find as enjoyable, however, is filing your taxes.

There are, however, many credits and benefits you can take advantage of to provide some motivation to get through the process and maybe even help stretch your retirement dollars, as follows: • You may be able to split your pension income with your spouse or common-law partner, allocating up to 50% of your eligible pension income to him or her, to lower your combined taxes.

modest income and a simple tax situation file their income tax and benefit returns. To see if you qualify, go to www.cra. gc.ca/volunteer to find your nearest tax clinic. www.newscanada.com

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• If you use public transit to get around in your daily life, you may be able to claim a 15% nonrefundable tax credit based on the costs of certain public transit passes on your tax return.

• If you, your spouse, or common-law partner has a severe and prolonged impairment in physical or mental functions, you may be eligible for the disability tax credit.

• If you care for a spouse or other family member who has an impairment in physical or mental functions that makes them dependent on you for care, the family caregiver amount could also save you money.

• When you file your return, you can apply for the goods and services tax/harmonized sales tax

Families get money-saving credits on their tax return (NC) – Tax filing season is never fun, especially when you have a family to worry about. But it doesn’t have to be the monster hiding under your bed. They say that facing your fears is rewarding, and this is especially true when you think of the tax savings your family might be eligible for. Filing your return means that you could get a significant refund and ensures there are no disruptions to your Canada child and family benefit and credit payments.

Regardless of income, all families are eligible to receive $100 each month per child under the age of six as part of the universal child care benefit.

You may also be eligible to receive the Canada child tax benefit, depending on your family’s total

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credit which helps to offset all or part of the GST or HST that you pay.

All the information seniors need to know at tax time can be found at www.cra. gc.ca/seniors. Here’s one more tip: file online this year and use direct deposit, and you can start enjoying your tax refund dollars in as little as eight days. www.newscanada.com

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income, province of residence, and number of children. Also depending on your particular situation, many more tax savings might apply.

For example, if your child is involved in certain recreational activities, you can claim the children’s arts or fitness tax credits to help cover the costs. You can claim the fees you’ve paid for eligible activities, up to $500 for each child per credit. This gives you a non-refundable credit of up to $75 per tax credit per child. We all want to support our children’s growth as individuals, but the expenses throughout the year can really add up. Making use of the tax savings available to you can help reduce those expenses in the end.

A final word of wisdom: make sure you file your

tax return on time. If you don’t file on time, your benefit payments may be interrupted.

Putting off filing won’t make the experience any better, but claiming tax credits and benefits will. So, as it turns out, this monster can be friendly and may have savings to offer you and your family.

www.newscanada.com

Find these articles at www.newscanada.com January 2014

29

PERSONAL FINANCE 10 ways to save money at tax time (NC) – It might be the dead of winter, but you can still put a spring in your step as you prepare for tax filing time. Here are 10 ways to save money – and these tips may even get you that refund you’ve been hoping for: 1. Tax-free savings account (TFSA): Using a TFSA is a great way to save on tax. Generally, interest, dividends, and capital gains earned on investments in a TFSA are not taxed—not when they are held in the account or when they are withdrawn.

2. Registered retirement savings plan (RRSP): Pay less tax and save for your retirement at the same time. Any income that you earn in your RRSP is usually free from tax as long as the funds stay in the plan.

3. Charitable donations: Donations of cash, goods, land, or listed securities made to a registered charity or other qualified donee may be eligible for a tax credit. New this year, if you are a first-time donor, you may be eligible to claim the first-time donor’s super credit which gives you an extra 25% credit when you claim your charitable donation tax credit.

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4. Parents: All those mornings spent at the hockey rink and afternoons spent at the ballet studio can mean savings—with the children’s fitness and arts tax credits. Child care is also deductible, so keep your receipts.

5. Family caregiver credit: If you have a dependant with a physical or mental impairment, you could be eligible for an additional amount of $2,040 when calculating certain non-refundable tax credits.

6. Students: Were you a student in 2013?

You may be able to claim tuition, textbook, and education amounts, as well as moving expenses if applicable. And if you’ve recently graduated, you can claim the interest you paid on your student loan.

7. Public transit amount: If you are a regular public transit rider, you may be able to save by claiming your transit passes. You can get up to 15% of the amount claimed.

8. Seniors: If you receive income from a pension, you can split up to 50% of eligible pension income with your spouse or commonlaw partner to reduce the taxes that you pay. You may also be eligible to claim the age amount,

Give it a shot, file your

taxes online

(NC) – The Internet world is so quick and convenient. You can shop, keep in touch with friends and family, exchange pictures, listen to music, do your banking, and more. So why aren’t you filing your taxes online?

There are plenty of good reasons to do it.

First and foremost, it’s easy. You can do it from the comfort of your home at your own pace. No need to go and pick up a paper form and then make a second trip to mail it.

Second, it’s fast. This is especially important if you are expecting a refund. Filing your taxes online will allow you to get your refund much faster, particularly if you have signed up for direct deposit. Your refund could be in your bank account in as little as eight days.

Finally, it’s secure. It’s just as safe as banking online and paying bills online.

With free certified software options available, there are no more excuses. It’s time to add

First time tax filing is easier than you think (NC) – For some people, the words “income tax” and “tax return” may be intimidating – especially if you are filing for the first time.

But preparing and filing your income tax and benefit return is easier than you think and it may enable you to receive tax credits and benefits.

Filing online has become especially easy, as more tax filing software programs enter the marketplace.

Whether you are a newcomer to Canada, working at your first job, or a student, filing your first return can be simple and fast. Here are a few tips to get you started: Get ready: The Canada Revenue Agency has a webpage with all the information you need to get ready to file your first return. It includes important filing due dates, steps to filing online, and more.

Start there first, at www.cra.gc.ca/getready.

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medical expenses, and the disability tax credit.

9. Home buyers: You may be able to claim $5,000 for a 15% non-refundable tax credit if you bought your first home in 2013.

10. Hiring an apprentice: Did your business employ an apprentice? An employer who paid a salary to an employee registered in a prescribed trade in the first two years of his or her apprenticeship contract qualifies for a non-refundable tax credit.

Finally, make filing your taxes this spring even easier by doing it online. It’s fast, easy, and secure and it may give you extra time to take care of that something on your to-do list that’s a lot more fun than spring cleaning. www.newscanada.com

words + 1 photo) online filing to your repertoire, right up there with reading your local paper on your laptop or tablet. www. newscanada. com

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File online: There are a number of certified software programs that can help you file your return quickly and with minimal fuss. These programs guide you through preparing your return and do all the calculations for you. They vary in complexity and features as well as cost, but some programs are free of charge for everyone.

Watch the videos: For those who would rather watch a video than read pages of information, there are a number of instructional videos at www. cra.gc.ca/videogallery, some of which are aimed at helping newcomers and students file their first tax returns.

If you’re really stuck, and want face-to-face help, there is also a program where volunteers help people file returns. You may be able to get help if you have a modest income and a simple tax

situation. Go to www. cra.gc.ca/volunteer to find your nearest tax clinic and to see if you qualify.

Finally, even if you have not received income in the year, filing your return unlocks some government benefit payments. Without your return, which the government uses to see if you qualify, you won’t get those payments.

Find these articles at www.newscanada.com 30

January 2014

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PERSONAL FINANCE Find out the terms of your travel health insurance (413 words + 1 photo)

(NC) As much as Canadians love to travel, more than one third (35 percent) don’t buy supplemental health insurance for medical emergencies outside the country, says a survey* conducted recently by the Travel Health Insurance Association of Canada (THIA).

“This kind of coverage is specifically designed to protect against unforeseen medical costs that can quickly soar to thousands of dollars in just a few hours,” says THIA president, John Thain.

Yet one third of survey respondents admitted that a thousand dollars or more in unforeseen medical expenses would represent a financial crisis for them, and only 6 percent were aware that their provincial health insurance covered as little as 9 percent of out-of-country emergency medical services.

The survey also revealed that respondents were generally unaware of the extraordinarily high cost of medical care abroad. When asked to estimate the average cost of treating a fracture in the United States, only 28.5 percent identified $10,000 as the correct figure, although the cost of mending a fracture in Manhattan or Miami (among the most expensive regions for health care) might easily be many times higher.

“The costs of modern medicine are extraordinarily high, no matter where you travel,” says Thain. “And since we can’t rely on government insurance to cover us sufficiently outside of the country, private travel insurance is as important as their passport.

“Many people may already have some coverage through pension plans, employer benefits, or credit cards. But these often have exclusions and limitations and you have to know what

your travel insurance plan covers, and what is not covered,” says Thain. “Travel insurance is not a substitute for your comprehensive provincial insurance.

It is designed to cover medical emergencies only, or unexpected illnesses or conditions that can’t wait to be treated until you get home.”

THIA gives the following tips for the protection of travellers: • Be aware of your medical history, why you take certain medications and tests. And if you are unsure, ask your doctor.

• Understand the different types of plans available: annual multi-trip plans for frequent travellers; single trip policies for snowbirds; special risk plans for adventure seekers; plans for those in less-than-perfect health.

• Call your insurance company if you have any questions. They have dedicated phone numbers and staff available to answer any questions. And if at all possible, don’t wait until the last minute to buy insurance. This is an important purchase, and you want to have plenty of time understand what you will be covered for. www.newscanada.com

Sources: *National online survey of 1025 Canadians, conducted October 1-2, 2013.

Don’t let hospital sticker shock ruin your vacation (420 words + 1 photo) (NC) If a serious medical problem doesn’t knock you over when travelling, the hospital bill surely will. Outside of Canada, even quick procedures can be expensive – and overnight stays, exorbitant – yet a recent survey revealed that only 65 per cent of Canadian respondents said they had supplementary medical insurance when they last travelled.

“We were shocked to discover that a three-hour emergency room visit in Florida that resulted in a simple antibiotic prescription for my husband, was accompanied by a $7,000 price tag,” says Adrienne Sabado. “Happily, we learned this after the fact when my insurance company sent me a statement showing that the file was closed.

A family vacation with three young children is expensive enough without a surprise bill that costs more than the trip itself.”

Travel health insurance takes the financial pain out of unexpected medical issues, say specialists in this field – and this is particularly important for any travel to the United States which has the world’s most expensive medical system.

“Today’s smart travelers are increasingly packing the right kind of insurance alongside toiletries and towels,” says John Thain, president of the Travel Health Insurance Association of Canada (THIA).

“Everyone deserves to have a carefree vacation and comprehensive coverage is a key ingredient for a worry-free holiday. The Sabado family’s experience with out-of-country healthcare is not unusual.”

Thain recommends that travellers check their credit card and employee programs before investigating travel insurance options. The time it takes to call your human resources advisor or your credit card company can be well worth the effort and include a variety of insurance benefits.

Once you know what kind of coverage you have, you’ll also know what kind of coverage you need.

To get you started, take a look at THIA’s golden rules for buying supplementary insurance: Know your health and contact your healthcare provider if you have any questions Know your trip. Is it business or pleasure? Are you snowbird? Will you be visiting more than one country?

Know your policy. Take the time to read through and understand the policy and call the insurance provider if you have any questions.

Thain emphasizes that virtually all travel insurers in Canada provide at least $1 million of coverage, usually pay foreign hospitals and doctors directly for covered services, and offer plans for all ages and even for people in less than perfect health.

Learn a lesson from the $170,000 snake bite (430 words + 1 photo) (NC) Canadian biologist, Jared Hobbs, learned the hard way that an encounter with a Black-tailed Rattlesnake can have extreme financial implications.

He was vacationing in Arizona earlier this year and stopped at a rock formation when he spied the snake in question—but by then it was too late.

Fortunately, or unfortunately for Jared, he recognized the species of snake and knew that he had to go for immediate medical attention, or risk an amputated limb. He was transported to a community hospital and finally airlifted to the Tucson University Medical Research Hospital where he was treated by a top anti-venom specialist.

“The quality of care I received was exceptional,” said Jared. “But even with my travel health insurance policy, I started to worry about the mounting medical expenses when I had to be airlifted to a larger medical centre. I called my provider and was reassured that all my medical expenses were covered by my policy.”

At the end of the two-day ordeal, the total medical bill exceeded $170,000. The existing policy covered all associated medical expenses directly with the health care providers.

“The United States has one of the world’s most expensive medical systems and only 6 per cent of Canadians realize that provincial health programs cover only around 9 per cent of out-of-country medical costs,” says John Thain, president of the Travel Health Insurance Association of Canada (THIA). “Everyone deserves to have a carefree holiday and this kind of insurance is designed to pay for unexpected medical expenses and the cost of a policy is relatively small.”

A recent THIA survey revealed that 35 per cent of Canadian travellers do not buy travel health insurance and that 59 per cent would pay whatever necessary for medical treatment. Only 28 per cent of respondents correctly identified $10,000 as the average cost of treating a fracture in the U.S. And, more than 65 per cent of respondents indicated that unforeseen medical expenses of $5,000 or greater would represent a financial crisis.

“Travel health insurance should be as essential as a passport for today’s travellers,” Thain points out. “Many people will already have some coverage through employers or credit cards, but it’s important to understand what you don’t have.”

Thain recommends that Canadians do the following to have carefree vacations: Know your health and consult a health care provider if you have any questions Know your trip: How long will you be gone?

Are you a snowbird? Will you be travelling many times during the year?

Understand your travel insurance policy – Insurance companies have staff available to answer any questions

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Find these articles at www.newscanada.com January 2014

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PERSONAL FINANCE Winter tires save lives and money (NC) There is nothing more beautiful than a highway lined with autumn colours. They take one’s breath away. But, just as soon as they appear, they’ll be gone and the sub-zero temperatures will be the next thing to take one’s breath away. While we can all agree that the prospect of winter is pretty miserable — unless you’re a skier — there’s really nothing worse than hitting a patch of black ice. But according to recent Canadian Tire survey, a majority of drivers in Ontario, the Prairies and British Columbia choose not to install winter tires, mistakenly believing that all-season tires offer adequate safety.

The evidence says otherwise. In wintercondition tests, Transport Canada and the Rubber Association of Canada found that stopping was 30 to 40 per cent longer with all-season compared to winter tires. In cornering, vehicles with all-season tires went off the testing track at speeds of only 40 to 50 km/h, while the vehicles equipped with winter tires had no problem. The results were consistent with front-, rear- and all-wheel vehicles.

The experts from Desjardins Insurance agree that winter tires are designed to save lives. “What’s

interesting is that many people who live in snowbelt regions across the country recognize the need for them,” said Desjardins spokesperson Joe Daly.

“But some drivers in urban regions don’t see the need to switch. The fact is we’ve all experienced those icy mornings when you’re rushing to work or school and the salt trucks just haven’t made it to your neighbourhood yet. These conditions are much more dangerous than just plain snow and having the right tires can keep every one safe.”

The reason why these tires are the most effective at preventing accidents is because they have deeper, specially-designed treads and are made of innovative rubber compounds that are softer and more pliant. This allows them to perform better on ice, snow and slush, but also in both dry and wet conditions when the temperature dips below 7C. Daly also suggests that it’s also important to keep an eye on your tires’ air pressure. “Overnight temperatures can drop from 5˚ to –15˚ and this rapid reduction can zap the air out of you tires by as much as 4 psi. An under-inflated tire can be quite dangerous, so it’s important to keep tracking your tire pressure.”

Diversify your portfolio in six steps (NC) One of the oldest pieces of investing advice has to be don’t put all your eggs in one basket.

In other words, make sure your portfolio is well diversified to protect yourself against the ups and downs of the financial markets. The financial planning experts at Desjardins Group suggest that knowing your investor profile — or risk tolerance — is an important step to building a welldiversified portfolio. Here are six steps that will help you find the right balance of fixed income, equities and cash: Choose different asset categories: Financial products don’t all have the same return and risk characteristics. For example, your portfolio will be more stable if you combine fixed-income securities (term savings, bonds, and market-linked guaranteed investments) and growth securities (mutual funds, shares).

Think about varying your maturity dates: Laddering or staggering the maturity dates of your fixed-income will allow you to regularly have access to cash that you can reinvest and or use to invest in other investment opportunities.

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Diversify by economic sector: Activity sectors don’t respond the same way to changes in the economy. For example, in times of growth, demand for commodities increases, which favours businesses in this sector. In times of recession, securities tied to basic consumer needs (like groceries, health, etc.) will generally do better than mining securities. It’s also important to remember that equities or corporate stocks are the most vulnerable to market fluctuations. Being properly diversified will protect you against this.

Hold international investments: Since Canada represents less than 3% of the world’s stock markets, it’s important to be open to all growth opportunities. For example, consider purchasing shares in large international and American multinationals that get much of their income from abroad.

Think about growth businesses: While they are a much riskier investment, small and mediumsized businesses have a much higher potential for growth than some multinationals. Investing in a few small cap equities can be interesting over

Your most personal document is your will (NC)—Every person should have a will, no matter how old or young they are, and it should cover at least seven essential points to avoid difficulties in the future, as follows: 1. Make sure that only one will exists. Revoke earlier wills when you write a new one.

2. Determine who you want as your executor— the person who will carry out your wishes in settling your estate.

3. Carefully plan for your dependents.

4. Name a guardian for young children.

5. Detail specific monies or gifts to friends, relatives or charities.

6. Consider which people or organizations mean a lot to you and who you may want to leave the residue of your estate. Your church, a charity, or a favourite organization like Amnesty International, are often included on this list.

Having a safe winter is a great reason to equip your car with the best tires.

Transport Canada suggests that “winter tires marked with the pictograph of a peaked mountain with a snowflake meet specific snow traction performance requirements, and have been designed specifically for use in winter conditions.”

Another incentive is that some insurance companies like Desjardins will reward their clients who use winter tires with a discount on their auto insurance.

For more information about winter driving safety, visit Desjardins Insurance at www.desjardinsgeneralinsurance.com.

the medium and long term. However, keep your risk aversion level in mind as you may experience some fluctuations.

Learn to recognize management styles: Not all mutual fund managers use the same investment approach. Some look for securities that are trading below their intrinsic value while others prefer to invest in businesses that are well-positioned in a growth sector. The returns of each vary according to the economic context. Blending management styles will give your portfolio more stability in the long term.

For more investing tips, visit Desjardins Group at www.Desjardins.com. www.newscanada.com

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7. Put in writing the details of your funeral arrangements.

After you have taken care of these basic issues, you may want to consider a few other objectives.

A will, for example, is more than a simple outline of the final distribution of your property and effects. It is an occasion to plan for the financial support of people and projects you have actively supported during your lifetime. It can also be the time to finally help those people and groups that you always intended to support but didn’t have the resources to do so.

While everyone involved in estate planning agrees with the need to make a will, remember that it is, in fact, your will. Consider your own wishes and feelings. A will is an important document, but if it does not express your wishes, it is not a good will.

Talk it over with your family. Consider the future. Make a draft. Think again. Your will is probably one of the most important, and personal, documents you will ever prepare.

Laws about will-making and taxes vary from province to province and the specific wording to ensure that your wishes are carried out may require the help of a lawyer. Experts strongly recommend that you seek legal advice when making out your will.

A free information package on wills is available by writing to Amnesty International, 312 Laurier Avenue East, Suite #125, Ottawa, Ontario, K1N 1H9.

Find these articles at www.newscanada.com 32

January 2014

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PERSONAL FINANCE Debt and retirement don’t mix (NC) Are you looking forward to leaving the hustle and bustle when you turn 65? Some people actually resent the idea of having to retire because they really love working. It makes them feel vibrant, engaged and valued. Others would prefer to put it off until they’re “forced out” because they just aren’t financially ready. Some haven’t saved enough, others are still paying off debt and then in some cases it’s both, which is a big concern.

According to Statistics Canada’s “Retiring with Debt” publication, one in three retirees have some form of debt and that’s equally true for couples and people living alone. This debt can take different forms: loans, credit card debt, lines of credit, etc.

But the good news is — if that’s how you want to look at it —that many retirees owe less than Canadian workers aged 55 and up. Their median debt is $19,000, compared to $40,000 for workers.

Another recent survey indicated that only 24% of Canadians are currently debt free, which is the best position to be in when you retire. The retirement planning experts from Desjardins Insurance particularly support this view because planning to work into your 70s and 80s is unrealistic. With the right plan, they suggest it’s possible to clean up your financial act and retire comfortably — on your terms. Remember, even if you weren’t able to

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adopt the best money managing skills throughout your working life, it’s still possible to make positive changes before you retire.

Start by taking a closer look at your current financial situation. Carefully review your current budget: exactly what is coming in and what’s going out. Next, calculate your total debt. There are two types of debt: debt that grows your assets (e.g. a mortgage) and debt that diminishes your assets, like: • Credit cards • Lines of credit • Bills (Utilities, Taxes, etc.)

• Car payments • Investment loans • Student loans • Mortgages Now focus on paying off these asset-reducing debts, starting with the one with the highest interest rates. Once you’ve managed to pay these off, you might want to reduce the amortization period for your mortgage by increasing your payment amounts, payment frequency (e.g. weekly rather than monthly) or by making a prepayment.

Once you’ve paid off your liabilities, look into what your cash flow will be during retirement.

Other than your RSP and perhaps a company

Giving kids a financial head-start (NC) Experts estimate that it costs close to $200,000 to raise a child from birth to age 18, not counting post-secondary education. So when a new child joins a family, parents and grand-parents tend to think about starting an education fund like a Registered Education Savings Plan. While this is a very practical way to help the child get a head-start in life, it’s a tactic that’s limited to their education years. To find out if there are other long-term options to help get kids on the right financial path into their adulthood, we checked in with the life insurance experts from Desjardins Insurance for their advice: What would you suggest as another longterm savings product for children?

One option is a life insurance policy for the child that is purchased by the parents, grandparents or another friend or family member.

The child will then be protected for his entire life and can take advantage of an added savings component that is tax exempt.

Your suggestion of a life insurance for a child is very unusual— Yes, that’s true. However, it’s the built-in savings component, not necessarily the death benefit that makes this an attractive solution.

pension, what income can you expect from the government?

You can find this information by accessing your Revenue Canada account on the CRA website. Once you have a better picture of what you currently have and what you can expect during retirement, sit down with your financial advisor for tips on how to top up your retirement savings.

For more information about your retirement plan and how to find a retirement expert, visit the “Thinking about your retirement” section on Desjardins Insurance’s website at www.desjardinslifeinsurance.com. www.newscanada.com

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How does it work?

The insurance policy is purchased by the parents, grand-parent or another friend or family member on behalf of the child. The insurance premium is determined by the child’s age, health and other details. This amount remains level over a set number of years and never increases. Part of the premiums accumulate in a separate, tax-sheltered account and over time a portion of the cash value can be used to pay the policy premiums.

What happens when they’ve grown up?

When the child reaches the age of majority, the policy ownership can be transferred to them and continues to protect them for life.

At this point, all the premiums may have been paid. What’s great about this insurance is that it provides the child with a head-start on life. For example, the policy can be used as collateral when applying for a loan. Also, the child may have the option of purchasing more insurance without a medical review. This is called a Guaranteed Insurability Benefit.

Can they access the cash value?

Yes, as the child grew so did the cash value.

It’s accessible at any time and is subject to the available amount. The child can use it towards

post-secondary education, travel, as an emergency fund or as a down payment on a home.

Where can I find more information about the benefits of this type of insurance?

Speak to your life insurance representative or financial advisor who can offer you tips that best suit your situation. However, more immediate answers can be found at www. desjardinslifeinsurance.com. www.newscanada.com

Find these articles at www.newscanada.com January 2014

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PERSONAL FINANCE Program expertise boosts financial confidence (NC) Does this sound familiar? “I have a decent income but I feel like I’m just keeping my head above water. I don’t know where the money goes!”

Many of us can identify with such a comment but we don’t have to feel this way. An extensive grassroots effort coordinated by the Chartered Professional Accountants of Canada (CPA Canada) is underway, aimed at helping residents in communities across the country strengthen their financial skills.

The outreach initiative is called Community Connect and draws upon the expertise of professional accountants by having them conduct

How to be money smart

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financially-focused seminars in their respective communities.

“We are strongly encouraged by the initial interest of those willing to volunteer their time to help others gain more financial confidence,” says Cairine Wilson, the vice-president of member services with CPA Canada.

Community Connect has a simple goal: To provide free, unbiased, straight-forward information sessions to any group or organization requesting a session. There are no commissions, fees or referrals; in fact, it is a priority to ensure any session is as neutral as it is helpful. “People want advice from someone with integrity and who is unbiased,” explains volunteer Gord Higgins, CPA, CA. CPA Canada has produced materials to assist the volunteers interested in presenting a seminar. There are eight sessions to choose from: Are You a Good Financial Role Model?; How to Teach Your Kids

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(NC) The awardwinning publication, A Canadian’s Guide to Money-Smart Living provides valuable guidance to help individuals become more comfortable with money matters and strengthen their financial situations.

Published by the Chartered Professional Accountants of Canada and written by Kelley Keehn, the book addresses the essential aspects of money management. Here are some points for consideration.

There’s power in numbers:

• A two-income family each earning the average salary of $46,000 will earn almost $3.7 million over their working lives, and yet many are concerned about their financial security. Most individuals and families have options – so it is important to save and spend wisely.

• When you deduct work and sleep, 43 per cent of the average person’s time (about 3,840 hours a year) is free. Could you get up 10 minutes earlier, or find a quiet hour once a week? A modest commitment just to check bank accounts or track recent purchases can lead to big returns.

• A few loonies add up. Finding as little as $5 of savings a day can mean saving $1,825 in after-tax dollars. That’s like a free vacation each year.

Take some money-smart steps:

It’s easy to reduce the stress of personal finances

Chartered Professional Canada (CPA Canada).

About Money; Ten Healthy Habits of Financial Management; Effective Tax Strategies; Identity Theft Protection; Saving Strategies; Planning for your Retirement; and Estate Planning.

A session is about 45 minutes long so it fits easily into a lunch and learn, or an educational, cultural or hobby environment. Participants have been impressed. Their comments have shown a real appreciation for the practical advice they’ve received.

“Financial literacy is good for individuals, families and businesses. It creates prosperity for our entire society,” adds volunteer Arun Mathur, CPA, CA. More information can be obtained by emailing communityconnect@cpacanada.ca.

(NC) A lot of unnecessary stress could be eliminated if we put a greater focus on our personal f i n a n c e s , according to a spokesperson with the Accountants of

“Financial decisions do matter,” says Nicholas Cheung, CPA, CA and a director with CPA Canada.

A national survey, conducted in 2012, revealed that individuals who closely monitor and follow a budget are less likely to be stressed. According to the research, almost half of the respondents who always stuck to a household budget did experience some money worries. However, for those respondents who did not have a budget or occasionally spent beyond their budgeted limits, two-thirds experienced money worries.

• Track spending for 30 days and you’ll know where your money goes.

Make categories (housing costs, entertainment, groceries, cell phones, hobbies, etc.) so you can compare.

• Trim the fat. The key is to spend less than you are making.

• Pay yourself first. This is very important!

Figure out an amount for savings, even if it’s tiny, and commit to protecting it.

A Canadian’s Guide to Money-Smart Living received international recognition winning a prestigious award from the Institute for Financial Literacy based in the United States.

Free advice, plus information on how to purchase a copy of the book, can be found at www. financialdecisionsmatter.com. www.newscanada.com

(154 words + 1 photo) “A budget does not necessarily eliminate financial stress but it can sure help to reduce it,” stresses Cheung. “Investing time and energy into managing your personal finances can go a long way in providing some peace of mind.”

For additional tips on this topic, visit www.financialdecisionsmatter.com.

Find these articles at www.newscanada.com 34

January 2014

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TRAVEL AND DESTINATION Expert tips for safe and stress-free Holiday travel (NC)—As the cool weather sets in and the busy holiday season approaches, Canadians have travel on their minds. Before booking, a leading travel and service expert advises would-be adventurers to plan ahead in order to stay safe and stress free while vacationing at any time.

Gerald Parent, the Director of Membership Travel at American Express Canada has seen first-hand the pain points that can quickly turn a travel dream into an unforgettable nightmare. In fact, last year alone, Amex helped solve 12,732 medical cases overseas.

Some emergencies are unpredictable, but the most common causes of travel dilemmas come from those who are less prepared.

“A vacation away is the highlight of the year for many people, but so often we are blinded by

our own excitement, leaving us open to certain dangers and risks,” says Parent. “For a truly stressfree summer vacation, travelers need to do their research ahead of time.”

Here are three tips for staying safe and stress free while away: • Be prepared: Be it a weekend away or a month long sabbatical, proper preparation before you leave ensures that you get full enjoyment from your trip while away. Be sure to keep copies of your travel documents, hotel bookings and itinerary so details are always at hand.

• Get insurance: Hope for the best, but plan for the worst. Travel insurance is available to cover a variety of risk factors such as health and medical, cancellations, delays and accidents. The

How to get the royal treatment when you travel (NC)—Two years have passed since the Duke and Duchess of Cambridge embarked on their first official tour of Canada, but since the arrival of Prince George the country is still buzzing with royal fever as many of us now search for our own form of red carpet treatment.

Gerald Parent, the Director of Membership Travel at American Express has seen an increase in requests for experiences, with many Canadians now wanting access to destinations and experiences ‘fit for a princess’.

“The good news is that you don’t need a palace to feel like royalty,” Parent says. “Enjoying the royal treatment can be as simple as taking advantage of

(329 words) good news is that some credit card providers, like American Express Canada, offer free travel insurance if you book travel on your card.

• Treat yourself: Upgrading to a better hotel or paying a little extra for a business class flight can make your time away feel all the more special.

You don’t have to break the bank to experience increased luxury; check out some of the perks offered by your credit card company or frequent flyer program and you might get the V.I.P treatment for free. www.newscanada.com

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complimentary airport lounge access, front row access to a special event, or a seat at the city’s hottest restaurant. These types of everyday things can make you feel like a true V.I.P.” Here are some tips for getting the royal treatment, even if you don’t own a tiara: • Use your connections: Whether it’s a friend of a friend, a co-worker or the concierge at your credit card company, there may be people in your network to help get you into a show or reserve a table at a hot restaurant.

• Take advantage of rewards: Be sure to take advantage of reward programs offered by the companies you deal with, including your credit

card issuer. Some companies, like American Express, have exclusive packages for card members that are worth looking into.

• Don’t be afraid to ask: If you’d like an upgrade, a better table or a bigger room, do not hesitate to make a request. Most establishments focused on service are happy to accommodate when they can, so don’t miss out just because you’re too shy to ask. www.newscanada.com

Canadian airports offer greater perks this Holiday season (NC)—In the lead up to the hectic holiday travel period, Canada’s busiest airport has super-sized its service offering to give commuters better travel benefits than ever before.

To help enhance the travel experience for example, American Express Canada has partnered with the Greater Toronto Airport Authority (GTAA) to offer more service-related perks at Toronto Pearson International Airport. From premium lounge access for Platinum Cardmembers, to the opportunity to jump the queue with priority checkin and free Wi-Fi for all, Amex says it has put the premium lens over Pearson.

Perks now include:

• Comfort and convenience: All airport guests receive complimentary Wi-Fi access (due to an initiative by American Express) allowing travellers to check emails or browse the web before their flight. After passing through security, domestic travelers also receive access to the ReVesting Area, a dedicated spot where passengers can gather their belongings before proceeding to the gate. Some card members even get access to the private Air Canada Maple Leaf Lounge and Plaza Premium Lounges.

• Express access: Platinum Cardmembers are able to bypass the regular check-in line and head straight to an Air Canada Priority Check-in

(259 words) Counter, regardless of what fare they paid for their ticket. They can also expedite their way through security by simply presenting their eligible card and valid boarding pass to access Toronto Pearson Priority Security Lanes.

• Parking and Car Care: Platinum Cardmembers enjoy the complimentary Valet Service and, discounts on the Car Care service (including quality car cleaning and detailing services) and parking in the Express Park garage and Daily Park garages. www.newscanaada.com

Find these articles at www.newscanada.com January 2014

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TRAVEL AND DESTINATION Clever money strategies make winter vacations affordable (NC) If your ideal vacation style is more après ski than sunset by the sea, you’re in the right place.

Canada knows winter better than most, so why not celebrate the season by taking advantage of all that it has to offer?

“To make the most of our winter wonderland, consider collecting travel rewards as a way to make the money that you’re already spending work for you,” says Dave Robson of the popular men’s blog, Daily XY. “For example, I find that by using my Starwood Preferred Guest credit card for all my purchases, I can quickly rack up points and then cash them in for a flight or a hotel stay.

The card (from American Express) gives me the ultimate in choice and flexibility, including where and how I enjoy my winter getaway.”

Here are Dave’s top three winter destinations that you might want to add to your Canadian winter getaway bucket list: The Westin Resort & Spa – Whistler, British Columbia

For a truly luxurious experience, explore this mountain haven. Fine-tune your ski or snowboard skills at Whistler Blackcomb before heading down to the ski valet tent. After a soak in a hot tub, embark on a culinary expedition with Whistler Tasting Tours, which will weave a gastronomic path through four of the best restaurants Whistler has to offer. Then surrender to a soothing Swedish massage at the Scandinave Spa, a traditional Finnish spa tucked away in a spruce and cedar forest.

Sheraton Ottawa Hotel - Ottawa, Ontario Book a few days away in Ottawa between January 31 – February 17, 2014 and experience our capital’s whimsical winter wonderland: the Winterlude festival. After checking into the beautiful hotel, bundle up and walk down to the Rideau Canal for an afternoon skate on the world’s longest skating rink. Warm up with a sweet indulgence like a truly Canadian pastry, the Beaver Tail, or a hot chocolate. Then head over

Reward points add luxury to sunny vacations (NC) It’s true that the dead of winter is settling in, but there’s always the dream of a tropical getaway – and some of those dreams may be far more affordable than you think.

Julian Brass, globetrotting entrepreneur and founder of Notable.ca, is an expert at turning his every day spending into luxury vacations. Whether travelling for business or pleasure, domestic or abroad, he says his Starwood Preferred Guest credit card is his ticket to turn any trip into a luxury retreat.

“When you travel as much as I do, a rewards program like this one from American Express, can help infuse a little luxury into my life,” says Julian. “From business expenses and flights, to eating out at the latest hotspots in the city, I’m earning ‘starpoints’ on every dollar I spend, which means I can escape in style more often.”

Do you want to cash-in your travel points and truly indulge this winter? Here are a few of Julian’s favourite island hot spots:

(NC) No matter what your vacation style, remember that just the right loyalty program can give you far more for your money, including flexibility.

“When you travel as much as I do, a rewards program can infuse a little luxury into my life,” says Julian Brass of Notable.ca. “For example, there’s nothing like the Starwood Preferred Guest credit card. I’m earning ‘starpoints’ on every dollar I spend, which means I can escape more often.” Julian says he redeems points for a flight to any destination around the world and better still, he can choose a luxurious hotel stay at any one of 1,100 Starwood properties in those destinations.

to watch the ice sculpture competitions or bring the whole family to experience the largest snow playground at Jacques-Cartier Park.

W Hotel – Montreal, Quebec Escape to Montreal to take in one of Canada’s most unique cultures. Wander through old Montreal’s cobblestone streets and enjoy the spectacular night-time views of the city skyline from the luxurious W Hotel. If you’re a hockey fan, it doesn’t get much better than watching rival teams, Toronto Maple Leafs and the Montreal Canadians face off. If hockey isn’t your thing, check out one of the largest festivals in the world, Montréal en Lumière. This annual celebration, which runs from February 20 to March 2, includes hundreds of exceptional food- and winetasting activities, shows, exhibits, concerts and a free outdoor illuminated site at the Quartier des spectacles. www.newscanada.com

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W Retreat & Spa – Vieques, Puerto Rico Dream of catching a glimpse of wild horses on the beach, kayaking through the gorgeous Bioluminescent Bay, or simply experiencing some serious R&R? Then look no further than this idyllic Caribbean island. For those wanting to escape the everyday and see Puerto Rico the W way, look no further than The W Retreat & Spa, named one of “Travel + Leisure’s Top 500 hotels around the World”.

Sheraton Maldives Full Moon Resort & Spa – Maldives The Maldives’ Islands are life stripped down to absolute simplicity – bright blue skies, year-round sunshine and fantastic diving and snorkeling in lagoons the temperature of bath water. Those who are looking to take in the flavours of this island paradise shouldn’t miss the Sheraton Maldives Full Moon Resort & Spa. With seven restaurants and lounge bars on the resort offering a world

Will it be sun and beach, or snow and ski?

of culinary cuisines, there’s something for every taste.

Vana Belle – Koh Samui, Thailand Whether you long to lounge in luxury, partake in aura-cleansing yoga classes or party like a rock star, Ko Samui may be the destination for you. This choose-your-own-adventure kind of island strives to grant every visitor their ultimate holiday wish.

Surrounded by ample foliage offering shades of calmness and pure sanctuary, Vana Belle is tucked away in a secluded cove near the world famous white sands of Chaweng Beach. This resort caters to those looking for total seclusion but also for the amenities of a luxury resort. with each suite and villa offering a personal private pool and terrace for the ultimate hideaway. www.newscanada.com

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Whether you’re dreaming of white sand beaches or hitting the slopes, here are the Julian Brass picks for a getaway this winter: W Retreat & Spa – Vieque, Puerto Rico Dream of catching a glimpse of wild horses on the beach, kayaking through the gorgeous Bioluminescent Bay or simply experiencing some serious R&R? Then look no further than this idyllic Caribbean island. For those wanting to escape the everyday and see Puerto Rico the W way, look no further than The W Retreat & Spa, named one of “Travel + Leisure’s Top 500 hotels around the World”.

The Westin Resort & Spa – Whistler, British Columbia

For a truly luxurious experience, explore this mountain haven. Fine-tune your ski or snowboard skills at Whistler Blackcomb before heading down to the ski valet tent.

After a soak in a hot tub, embark on a culinary expedition with Whistler Tasting Tours, which will weave a gastronomic path through four of the best restaurants Whistler has to offer. Then surrender to a soothing Swedish massage at the Scandinave Spa, a traditional Finnish spa tucked away in a spruce and cedar forest just north of Whistler.

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January 2014

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