Welcome 2023! New Year New Opportunity!!
The three most common New Year’s Resolutions are to improve health, have more money and watch your waistline. Here are some tips on all three! All the best for 2023!
5 tips for staying safe and healthy during winter
(NC) The colder months can present risks to anyone, but
for those living with arthritis, staying safe and healthy can be more challenging.
While winter does present some hazards, you can help protect yourself by following
1. Move your physical activity indoors 
Slippery conditions, snow covered trails and fewer daylight hours can pose a risk for outdoor activity, but spending more time indoors shouldn’t mean less movement.
Exercising on a regular basis has been shown to reduce the pain of arthritis. Use light weights or resistance bands to work on making muscles stronger while doing low-impact indoor activities such as stationary cycling or swimming to improve your cardiovascular health.
2. Ensure a safe outdoor environment
A well-lit pathway, as well as a salted or sanded walkway will help you avoid slips and falls, especially in the dark.
If you use a mobility aid such as a cane or walker, replace the tips if they are worn out. Consider adding ice-pick-like attachments onto the end of your cane for additional traction when walking in the snow.
3. Safe snow removal Consider having someone assist with snow removal to guarantee it’s done on a regular basis. If you decide to do it yourself, ensure you use proper shoveling techniques or invest in a snow blower. Keep the shovel close to your body and try to push the snow rather than lift. As with any physical activity, don’t overdo it and take regular breaks.
4. Dress appropriately
Ensure you’re dressed for the weather with the right footwear and layers for warmth. Choose boots that are waterproof, lightweight, comfortable and have good quality lining or insulation to keep the feet warm.
Dressing in multiple layers will help you keep warm and reduce heat loss. As a guideline, wearing two or three thinner layers of loose-fitting clothing is usually warmer than a single thick layer.
5. Stock up on essentials
Be prepared in case of emergency. Keep your fridge, pantry and medication cabinet stocked with at least three to five days’ worth of supplies. Stock up on non-perishables and keep flashlights and batteries handy.
You can find more tips at arthritis.ca.
www.newscanada.com
Financial wellness 101
(NC) Many people find managing their money to be stressful. But it doesn’t have to be. Here are
Track your spending
Budgets are like dental floss. Boring, and sometimes a little painful. They’re also easy to do and worth the effort.
Start with your take-home pay and subtract what you spend on basics like housing, food and other obligations. If there’s no money left, you need to cut back on expenses. Any surplus should go into savings or investments.
Be cautious with credit
Credit cards are convenient, and a useful way to build a credit rating. If you pay your full balance each month, you won’t have to pay interest in addition to the amount you’ve borrowed. But the interest rate on credit card debt is high, so make sure you don’t spend more than you can pay off when the bill is due. If you do come up a bit short, use a lower-interest line of credit to pay off the balance.
Expect the unexpected
Jobs can be lost, sometimes with little or no warning. A serious illness or injury can also put you out of work. For most of us, any one of these scenarios could mean real financial difficulty. It’s important to manage these risks with the right insurance coverage. If you can build one, an emergency fund is also valuable.
Look ahead to your retirement
We live in a country that combines the freedom to create a financial life for ourselves and our loved ones, with programs that can provide assistance. Understanding how these programs work helps ensure you’re covering what you need to with your personal savings, insurance and investments.
The Canada Pension Plan (CPP) is an example. It’s designed to provide you with a portion of your retirement income, in addition to what you can save elsewhere. If you are at least 60 and have made one or more valid contributions, you qualify for CPP benefits. CPP Investments manages the Fund in the best interests of the CPP contributors and beneficiaries. With more than $529 billion (as of September 30, 2022), the Fund is sustainable for the next 75 years.
There is real value in maintaining a long-term perspective. The more you’re able to think about money priorities over your entire adult life – as well as your immediate income and expenses at any given time - the more successful you’ll be in building real financial wellness for many years to come. www.newscanada.com
Expert tips to update your kitchen on a budget
(NC) Did you know that improvements to the kitchen add more value to a home than in any other room? Updating an interior as a savvy investor doesn’t have to break your budget. Try these efficient, effective kitchen upgrades:
Put up window treatments
They’re not too expensive and don’t take much skill to install, but they add a feeling of comfort and versatility to the space. You want the people to feel at home in your kitchen, and when they picture how they’d set the blinds, they’re already putting themselves there. Take some thought as to the material and tone. Your shades are not the place for an accent colour. Match a mid-tone in your existing colour scheme for the best results.
Switch to open shelves
While having your kitchenware displayed on open shelving doesn't automatically help prospects imagine themselves using the kitchen, open shelving does something just as good. It’s memorable, striking and fashionable. A buyer may well be considering the upgrade themselves, and being saved the work can potentially translate into an easier sale.
Install a new faucet
It’s such an everyday object that we always don’t think about it much, but a kitchen’s faucet is one of the first places the eye lands on as someone enters the room. Make a good first impression by simply swapping it out for a fresh one. A flowing, statuesque design will catch the eye while conveying high value. Consider modern features like Touch2O, that lets the faucet turn on with a simple tap anywhere on it. A faucet with a Lumicoat finish will resist mineral buildup, keeping up an effortlessly shining display. Find more information at deltafaucet.ca.
www.newscanada.com
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?? Franchise Support from top to bottom
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