Tuesday, February 26, 2013

Tips to Clean Hardwood Floors

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Clean wooden floors are amazing to see in houses. They give a classic touch to any room and can even increase the value of your house if the right hardwood flooring is used. However, they can be prone to things like warping or disfiguring if not maintained correctly. Spills and leaks have to be taken care of immediately, and you need to know the proper way to clean wooden floors.

Tip 1: Know What Kind of Finish Your Floor Has

Wooden flooring has different finishes, and therefore different ways to clean wooden floors. If you own flooring that has a urethane or polyurethane surface-sealed finish, then it makes the job so much easier. For these surfaces, the finish already provides a thin, protective plastic layer that keeps the flooring dirt-proof, water-proof and stain-proof.

All other kinds of finishes for hardwood flooring such as oil-treated, lacquered or varnished, and even untreated floors, have basically the same properties and cleaning requirements.

Tip 2: Stick to the Cleaner That Is Right for Your Floor Type

Cleaning wooden floors is easy once you know what type of finish they have. As mentioned earlier, surface sealing floors are already water and stain resistant, so it's very easy to clean them. Just sweep with a broom, and then mop with a soap and water solution.

For most other types of flooring, there is a wide range of hardwood floor cleaners available on the market. You can either spray them onto the floor, or they may come in liquid form that needs to be applied with a cloth mop.

For oil-treated floors, the best protection from stains and water is wax, which comes in paste form and liquid form.

Tip 3: Avoid Water or Moisture

At first, we may instinctively think that the best way to clean hardwood flooring is to mop it with water and soap. By no means should you do this. Avoid cleaning wooden floors with water or water-based cleaners. Wooden floors are able to absorb water into them. When the flooring absorbs water, its actually swells and expands. This is not good especially if wooden planks are close together. This leads to warping of the wood and can even crack and splinter it. At this point, you will need to completely replace the flooring, which only adds up to your costs.

As soon as you spill water on wood flooring, don't hesitate to clean it right away, before any permanent damage is done to your flooring.

Tip 4: Revitalize Your Urethane Finish with Screening

As stated earlier, surface sealing keeps hardwood flooring durable and resistant to water and stains. However, even surface sealing wears down after a certain number of years from frequent treading. What you can do is to get a professional contractor to screen your wood flooring. This means taking out the urethane finish by using abrasives, without destroying the original wood underneath. After the screening, fresh coats of urethane or polyacrylic are applied successively on the floor to give it a new and fresh coat of floor finish that can withstand more years of wear and tear.

Tip 5: Sweep and Buff Your Floor Regularly

When sweeping your floor to remove the dust and dirt, use a broom that has fine, soft bristles broom to clean your wooden floors and keep dust and dirt away that can abrade the surface of your wood flooring.

Feel free to use a vacuum cleaner to get dirt out of hard to reach places such as grooves on the wood.Lastly, don't hesitate to buff your wood flooring every once in a while with a clean cloth or a piece of cloth at the end of a mop. This will keep the flooring shiny and looking like new.

Tip 6: Keep Wooden Floors Clean With Entryway Rugs or Mats

A simple and elegant way to keep dust and dirt out of your room is to place decorative rugs or mats on your entryways. These rugs can serve a double purpose. When you and your guests enter your room, your shoes rub against the rug, and the dust and dirt your shoes may bring from the outside cling to the rug and stay there, leaving you free to walk all over your floor. Not only do they keep the dust out, but they also prove to be very decorative and pleasing to the eye.

Knowing how to properly clean and maintain your wood flooring will go a long way for you and your house. Your family and friends will simply love the classic touch that wooden floors simply have, and you will reap the benefits of increased property values.

If you need professional help with cleaning wooden floors, as well as screening, then use handycanadian.com for references on how to do it and professional assistance through local contractors that can help you with your home project.

http://www.handycanadian.com/articles.asp?id=131-Tips-to-Clean-Hardwood-Floors

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, February 21, 2013

20 Ways To Train Your Brain For Peak Performance

In order to stay sharp, it is important that you exercise your brain.  The less we use our minds, the duller they become.  There is a lot of emphasis these days on staying physically healthy, but we should also be concerned for our mental well-being.  Our brains continue to expand and adapt to the stimuli they receive throughout our lives.  The more we take care of our brains, the better thinkers we become.  Here are twenty ways that you can develop a training regimen for your brain!

1.  Read a good book.

Reading a book stimulates the imagination.  Your brain can’t keep from drawing mental pictures when you read.  Reading gets your mind off its butt and to work.  I love to let a book carry me away.  I always have a book that I’m reading and sometimes I have 3 or 4!  I get most of my books from the library to avoid the cost of buying each one.  This also allows me to try a wide variety of books without risk.

2.  Big Brain Academy.

Video games have a bad reputation for causing brain rot, but there are some that will actually help you strengthen your mind.  I like Big Brain Academy for the Wii.  It is a collection of brain teasers that tests your mental acuity.  The tests are entertaining and addicting.  You can even compete with others which makes for some great family fun.

3.  Practice meditation.

Don’t worry, I’m not going off the new age deep-end here.  There are a lot of different forms of meditation.  To me, in its most simple form, meditation is about spending a little time alone to relax and center your thoughts.  It is amazingly therapeutic.  If you haven’t tried meditation before, I would highly recommend reading this guide to meditation.

4.  Get plenty of rest.

lack of sleep can interfere with your ability to assimilate new information.  This means those all-nighters you pulled back in college were much less effective than you thought.  Your brain needs rest to operate at its peak performance.  This may be why things always seem clearer and brighter after a good night’s sleep.

5.  Exercise regularly.

You didn’t think you were going to get away without a little time on the treadmill did you?  Cardiovascular exercise improves blood flow to the brain which improves brain functioning.  One study found that physical exercise actually helped to increase the volume of the brain.  So, if you want a bigger, better brain, then get to exercising!

6.  Eat a good breakfast.

It is not a myth.  Eating a good breakfast does get you off to a better start.  You should eat a breakfast high in protein and good carbohydrates.  A couple of pieces of whole-grain toast with peanut butter will fit the bill.  Eggs are also an excellent source of protein.  Nuts, milk, and fresh fruit are also great ways to feed your brain.

7.  Think positive thoughts.

Encourage yourself.  I am convinced that positive thinking increases the effectiveness of the brain and helps to avoid things like depression.  I like to say that your brain works much like a computer, garbage-in, garbage-out.  Find positive, encouraging people to hang around, read material that jazzes you up, do whatever it is that makes you feel good about yourself.  These things will also help you be more mentally productive.

8.  Be a continual learner.

Never stop being curious about your world.  Seek out new experiences, skills, and knowledge.  Think of something that you’ve always wanted to learn to do and then get started.  A now famous study, showed that certain areas of the brains of London cab drivers were more developed compared to the average citizen.  This was due to their need to learn how to navigate the maze of downtown streets.  We can use this technique of challenging our brains to improve our abilities.

9.  Lay off the alcohol.

Alcohol is of course a depressant.  It slows down mental functions.  The effects of alcohol on a person’s cognitive ability is well-documented.  If you need peak mental performance, then stop drinking alcohol.  In addition to its obvious effects, it also decreases the restfulness of one’s sleep which, as we have already discussed, impedes your ability to think clearly.

10.  Get romantic (especially if you’re a woman).

Studies have shown that there may be a link between regular sex and improved brain performance in women.  Love-making increases a woman’s estrogen levels and higher estrogen levels are tied to better mental performance.  Of course, the mental benefits probably do not outweigh the risks, unless you are in a faithful, monogamous relationship.

11.  Break your routines.

Drive a new way to work.  Try writing with your less dominant hand.  Mix things up a little.  This perks up your brain because it requires you to think more.  You aren’t just running on auto-pilot.  Challenge your brain by getting out of your routines and it will respond.  This is a great way to get your mental juices flowing.

12.  Stop watching so much television.

Researchers have found that too much television between the ages of 1 and 3 leads to attention problems later in childhood.  Let’s face it, TV is mind-numbing.  Get up off the couch and away from the television.  Sure, there is some good educational stuff for children and adults, but the average American watches way too much TV.  If you want peak mental performance, then turn off the boob tube.

13.  Work with numbers.

Do math problems in your head instead of on a calculator.  For many of us, it is use it or lose it.  We have become mentally lazy.  We rely on our gadgets instead of thinking for ourselves.  Working with and memorizing numbers is a great way to get your brain back in shape.  This could pay off big dividends down the road!

14.  Stop relying on your GPS to tell you where to go.

Remember the cab drivers in #8 above?  Using your brain to figure out how to get from Point A to Point B is good mental exercise.  You have to use your brain’s ability to determine spatial relationships to effectively read a map and navigate a city.  Traveling in an unfamiliar area is even better!

15.  Recall old memories.

Get out those old picture albums and start thumbing through them.  This taps into your brains memory banks.  Pictures will help you recall things that you thought you forgot.  Dig deep to see just what all you remember.  If you have other ways to stimulate your memory, like old letters or home movies, then by all means use those too.

16.  Make beautiful music.

Learning to play a musical instrument is a great way to super-charge your brain.  It requires a number of different parts of your brain to work together to make the melodies that you desire.  Of course, if you are already a musician, then learn a new piece.  Push yourself to learn new techniques.  Music is a great workout for the mind.

17.  Speak a new tongue.

Many people agree that learning to a speak a new language is a powerful way to give the mind a stretch.  If you’ve ever tried to learn even a few new words, then you know this can be difficult.  Of course, the harder something is for the brain, the better!  You have so much more mental capacity than you might imagine.  Give it a try!

18.  Memorize a song.

Many of us have lots of old songs stored in our heads, but why not expand your memory by learning a few new tunes?  It may take awhile at first, but if you keep at it, you will find it gets easier.  This is your brain getting back in shape.

19.  Walk around the house blindfolded.

It might seem like a strange activity, but your brain can handle it.  Once you try it a few times, you will probably find it fun and challenging.  Again, this one draws on your memory, motor skills, and reasoning abilities.  What a workout!

20.  Expand your vocabulary.

Decide to learn one new word a day.  There are several websites out there that can help you with this endeavor.  You’ll not only be expanding your mind, but you’ll also be able to impress your friends and co-workers when you work one of your new words into a conversation.

Posted via email from Markham Real Estate Today with Asif Khan

Wednesday, February 20, 2013

Three Huge Mistakes We Make Leading Kids…and How to Correct Them

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Recently, I read about a father, Paul Wallich, who built a camera-mounted drone helicopter to follow his grade-school-aged son to the bus stop. He wants to make sure his son arrives at the bus stop safe and sound. There’s no doubt the gizmo provides an awesome show-and-tell contribution. In my mind, Paul Wallich gives new meaning to the term “helicopter parent.”

While I applaud the engagement of this generation of parents and teachers, it’s important to recognize the unintended consequences of our engagement. We want the best for our students, but research now shows that our “over-protection, over-connection” style has damaged them. Let me suggest three huge mistakes we’ve made leading this generation of kids and how we must correct them.

1. We Risk Too Little

We live in a world that warns us of danger at every turn. Toxic. High voltage. Flammable. Slippery when wet. Steep curve ahead. Don’t walk. Hazard. This “safety first” preoccupation emerged over thirty years ago with the Tylenol scare and with children’s faces appearing on milk cartons. We became fearful of losing our kids. So we put knee-pads, safety belts and helmets on them…at the dinner table. (Actually I’m just kidding on that one). But, it’s true. We’ve insulated our kids from risk.

Author Gever Tulley suggests, “If you’re over 30, you probably walked to school, played on the monkey bars, and learned to high-dive at the public pool. If you’re younger, it’s unlikely you did any of these things. Yet, has the world become that much more dangerous? Statistically, no. But our society has created pervasive fears about letting kids be independent—and the consequences for our kids are serious.”

Unfortunately, over-protecting our young people has had an adverse effect on them.

“Children of risk-averse parents have lower test scores and are slightly less likely to attend college than offspring of parents with more tolerant attitudes toward risk,” says a team led by Sarah Brown of the University of Sheffield in the UK. Aversion to risk may prevent parents from making inherently uncertain investments in their children’s human capital; it’s also possible that risk attitudes reflect cognitive ability, researchers say.” Sadly, this Scottish Journal of Political Economy report won’t help us unless we do something about it. Adults continue to vote to remove playground equipment from parks so kids won’t have accidents; to request teachers stop using red ink as they grade papers and even cease from using the word “no” in class. It’s all too negative. I’m sorry—but while I understand the intent to protect students, we are failing miserably at preparing them for a world that will not be risk-free.

Psychologists in Europe have discovered that if a child doesn’t play outside and is never allowed to experience a skinned knee or a broken bone, they frequently have phobias as adults. Interviews with young adults who never played on jungle gyms reveal they’re fearful of normal risks and commitment. The truth is, kids need to fall a few times to learn it is normal; teens likely need to break up with a boyfriend or girlfriend to appreciate the emotional maturity that lasting relationships require. Pain is actually a necessary teacher. Consider your body for a moment. If you didn’t feel pain, you could burn yourself or step on a nail and never do something about the damage and infection until it was too late. Pain is a part of health and maturity.

Similarly, taking calculated risks is all a part of growing up. In fact, it plays a huge role. Childhood may be about safety and self-esteem, but as a student matures, risk and achievement are necessities in forming their identity and confidence. Because parents have removed “risk” from children’s lives, psychologists are discovering a syndrome as they counsel teens: High Arrogance, Low Self-Esteem. They’re cocky, but deep down their confidence is hollow, because it’s built off of watching YouTube videos, and perhaps not achieving something meaningful.

According to a study by University College London, risk-taking behavior peeks during adolescence. Teens are apt to take more risks than any other age group. Their brain programs them to do so. It’s part of growing up. They must test boundaries, values and find their identity during these years. This is when they must learn, via experience, the consequences of certain behaviors. Our failure to let them risk may explain why so many young adults, between the ages of 22 and 35 still live at home or haven’t started their careers, or had a serious relationship. Normal risk taking at fourteen or fifteen would have prepared them for such decisions and the risks of moving away from home, launching a career or getting married.

2. We Rescue Too Quickly

This generation of young people has not developed some of the life skills kids did thirty years ago because adults swoop in and take care of problems for them. We remove the need for them to navigate hardships. May I illustrate?

Staff from four universities recently told me they encountered students who had never filled out a form or an application in their life. Desiring to care for their kids, and not disadvantage them, parents or teachers had always done it for them.

One freshman received a C- on her project and immediately called her mother, right in the middle of her class. After interrupting the class discussion with her complaint about her poor grade, she handed the cell phone to her professor and said, “She wants to talk to you.” Evidently, mom wanted to negotiate the grade.

A Harvard Admissions Counselor reported a prospective student looked him in the eye and answered every question he was asked. The counselor felt the boy’s mother must have coached him on eye-contact because he tended to look down after each response. Later, the counselor learned the boy’s mom was texting him the answers every time a question came in.

A college president said a mother of one of his students called him, saying she’d seen that the weather would be cold that day and wondered if he would make sure her son was wearing his sweater as he went to class. She wasn’t joking.

This may sound harsh, but rescuing and over-indulging our children is one of the most insidious forms of child abuse. It’s “parenting for the short-term” and it sorely misses the point of leadership—to equip our young people to do it without help. Just like muscles atrophy inside of a cast due to disuse, their social, emotional, spiritual and intellectual muscles can shrink because they’re not exercised. For example, I remember when and where I learned the art of conflict resolution. I was eleven years old, and everyday about fifteen boys would gather after school to play baseball. We would choose sides and umpire our games. Through that consistent exercise, I learned to resolve conflict. I had to. Today, if the kids are outside at all, there are likely four mothers present doing the conflict resolution for them.

The fact is, as students experience adults doing so much for them, they like it at first. Who wouldn’t? They learn to play parents against each other, they learn to negotiate with faculty for more time, lenient rules, extra credit and easier grades. This actually confirms that these kids are not stupid. They learn to play the game. Sooner or later, they know “someone will rescue me.” If I fail or “act out,” an adult will smooth things over and remove any consequences for my misconduct. Once again, this isn’t even remotely close to how the world works. It actually disables our kids.

3. We Rave Too Easily

The self-esteem movement has been around since Baby Boomers were kids, but it took root in our school systems in the 1980s. We determined every kid would feel special, regardless of what they did, which meant they began hearing remarks like:

  • “You’re awesome!”
  • “You’re smart.”
  • “You’re gifted.”
  • “You’re super!”

Attend a little league awards ceremony and you soon learn: everyone’s a winner. Everyone gets a trophy. They all get ribbons. We meant well—but research is now indicating this method has unintended consequences. Dr. Carol Dweck wrote a landmark book called, Mindset. In it she reports findings about the adverse affects of praise. She tells of two groups of fifth grade students who took a test. Afterward, one group was told, “You must be smart.” The other group was told, “You must have worked hard.” When a second test was offered to the students, they were told that it would be harder and that they didn’t have to take it. Ninety percent of the kids who heard “you must be smart” opted not to take it. Why? They feared proving that the affirmation may be false. Of the second group, most of the kids chose to take the test, and while they didn’t do well, Dweck’s researchers heard them whispering under their breath, “This is my favorite test.” They loved the challenge. Finally, a third test was given, equally as hard as the first one. The result? The first group of students who were told they were smart, did worse. The second group did 30% better. Dweck concludes that our affirmation of kids must target factors in their control. When we say “you must have worked hard,” we are praising effort, which they have full control over. It tends to elicit more effort. When we praise smarts, it may provide a little confidence at first but ultimately causes a child to work less. They say to themselves, “If it doesn’t come easy, I don’t want to do it.”

What’s more, kids eventually observe that “mom” is the only one who thinks they’re “awesome.” No one else is saying it. They begin to doubt the objectivity of their own mother; it feels good in the moment, but it’s not connected to reality.

Further, Dr. Robert Cloninger, at Washington University in St. Louis has done brain research on the prefrontal cortex, which monitors the reward center of the brain. He says the brain has to learn that frustrating spells can be worked through. The reward center of our brains learns to say: Don’t give up. Don’t stop trying. “A person who grows up getting too frequent rewards,” Cloninger says, “will not have persistence, because they’ll quit when the rewards disappear.”

When we rave too easily, kids eventually learn to cheat, to exaggerate and lie and to avoid difficult reality. They have not been conditioned to face it. A helpful metaphor when considering this challenge is: inoculation. When you get inoculated, a nurse injects a vaccine, which actually exposes you to a dose of the very disease your body must learn to overcome. It’s a good thing. Only then do we develop an immunity to it. Similarly, our kids must be inoculated with doses of hardship, delay, challenges and inconvenience to build the strength to stand in them.

Eight Steps Toward Healthy Leadership

Obviously, negative risk taking should be discouraged, such as smoking, alcohol, illegal drugs, etc. In addition, there will be times our young people do need our help, or affirmation. But—healthy teens are going to want to spread their wings. They’ll need to try things on their own. And we, the adults, must let them. Here are some simple ideas you can employ as you navigate these waters:

  1. Help them take calculated risks. Talk it over with them, but let them do it. Your primary job is to prepare your child for how the world really works.
  2. Discuss how they must learn to make choices. They must prepare to both win and lose, not get all they want and to face the consequences of their decisions.
  3. Share your own “risky” experiences from your teen years. Interpret them. Because we’re not the only influence on these kids, we must be the best influence.
  4. Instead of tangible rewards, how about spending some time together? Be careful you aren’t teaching them that emotions can be healed by a trip to the mall.
  5. Choose a positive risk taking option and launch kids into it (i.e. sports, jobs, etc). It may take a push but get them used to trying out new opportunities.
  6. Don’t let your guilt get in the way of leading well. Your job is not to make yourself feel good by giving kids what makes them or you feel better when you give it.
  7. Don’t reward basics that life requires. If your relationship is based on material rewards, kids will experience neither intrinsic motivation nor unconditional love.
  8. Affirm smart risk-taking and hard work wisely. Help them see the advantage of both of these, and that stepping out a comfort zone usually pays off.

Bottom line? Your child does not have to love you every minute. He’ll get over the disappointment of failure but he won’t get over the effects of being spoiled. So let them fail, let them fall, and let them fight for what they really value. If we treat our kids as fragile, they will surely grow up to be fragile adults. We must prepare them for the world that awaits them. Our world needs resilient adults not fragile ones.

http://growingleaders.com/blog/3-mistakes-we-make-leading-kids/

Posted via email from Markham Real Estate Today with Asif Khan

Monday, February 18, 2013

Artificial sweeteners tied to obesity, Type 2 diabetes

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Diet pop and other artificially sweetened products may cause us to eat and drink even more calories and increase our risk for obesity and Type 2 diabetes, researchers are learning.

Former McGill University researcher Dana Small specializes in the neuropsychology of flavour and feeding at Yale University in New Haven, Conn. Small said there's mounting evidence that artificial sweeteners have a couple of problematic effects. Sugar substitutes such as sucralose and aspartame are more intensely sweet than sugar and may rewire taste receptors so less sweet, healthier foods aren't as enjoyable, shifting preferences to higher calorie, sweeter foods, she said.

Small and some other researchers believe artificial sweeteners interfere with brain chemistry and hormones that regulate appetite and satiety. For millennia, sweet taste signalled the arrival of calories. But that's no longer the case with artificial sweeteners.

"The sweet taste is no longer signalling energy and so the body adapts," Small said in an interview with CBC News. "It's no longer going to release insulin when it senses sweet because sweet now is not such a good predictor of the arrival of energy."

Susan Swithers, a psychology professor at Purdue University in West Lafayette, Ind., studies behavioural neuroscience. "Exposure to high-intensity sweeteners could change the way that sweet tastes are processed," she says.

"A number of epidemiological studies show that people who do consume high intensity sweeteners show differences in metabolic responses, have an increased risk for things like Type 2 diabetes and also have an increased risk for overweight and obesity."

This week, researchers in France who followed the drinking habits of 66,000 women for 14 years reported that both regular and diet pop increase the risk of developing Type 2 diabetes, but the risk was higher among diet drinkers — 15 per cent higher for consumption of as little as 500 ml per week and 59 per cent higher for those having 1.5 litres per week.

Writing in the American Journal of Clinical Nutrition, the researchers said the women's age and body size were taken into account but eating habits may have changed over time and factors besides consumption of artificially sweetened drinks couldn't be ruled out.

Scientists in the U.S. have also found this association.

More difficult to manage weight

No longer being able to rely on the body's built-in and subconscious process for regulating eating makes it more difficult for people to manage their own weights, Small and Swithers agreed.

"They might actually have to read labels, pay attention to how many calories are in things because they've lost this easy process," Swithers said.

Last month, Nicola Kettlitz, president of Coca-Cola Canada, told CBC News that artificial sweeteners are safe and approved by Health Canada, adding aspartame has been used for 30 years.

"If you have to pick an evil, I'd pick the diet pop over the regular pop," said Dr. Yoni Freedhoff, director of the Bariatric Medical Institute in Ottawa. "But ideally it shouldn't be either."

Small said she tells everyone she knows not to use artificial sweeteners. "It's better to use a small amount of regular sugar than it is to use artificial sweeteners in your foods."

At a food court in Toronto, patrons recognized that diet drinks aren't ideal.

"It's good for people who are watching their weight," said Withya Ganeshalingam, who was sipping a diet Sprite, which she considers a "free drink" because of the zero calories.

"I feel like it kind of goes back and forth, this one's bad, this one is better for you," said Jason Costa. "Regular is what I do if I am going to drink it."

http://www.cbc.ca/news/health/story/2013/02/15/artificial-sweetners-diet-nutrition.html

Posted via email from Markham Real Estate Today with Asif Khan

Friday, February 15, 2013

FAMILY FUN FEST AT DOWNSVIEW PARK

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Family Fun Fest returns for its third year to Toronto's Downsview Park, in celebration of Family Day weekend. There are more than 20 rides, attractions and activities to choose from like jumping castles, slides, interactive games, arcade, carnival games and kid-friendly food

  • Start Date:February 16, 2013 |View full schedule
  • End Date:February 17, 2013
  • Telephone:1-800-567-5437

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, February 14, 2013

Grow your income, lower your risk

Investing

If anyone needs to make money in the market now, it’s retirees or those about to punch their last time clock. However, because of the short time horizon, you have to avoid cyclical stocks and other risky securities in case your buys go bust. That’s why many turn to income-generating investments. The big dividend-payers come at a high price these days. But there are still some good choices available if you know where to look.

Cash that grows faster
High-interest savings accounts (HISAs) and Guaranteed Investment Certificates (GICs) generate money essentially risk-free; the Canada Deposit Insurance Corp. protects up to $100,000 in these accounts. With interest rates at historic lows, though, it’s nearly impossible to eke out an income by playing it safe. An HISA pays between 1% and 2% depending on the financial institution. GICs pay a slightly higher rate, depending on the type of GIC and the term.

Nowadays, using an HISA or GIC is not about the return, says David Andrews, director of investment management and research with Richardson GMP. Rather, it’s about keeping some money liquid and secure. “It won’t make your capital grow,” he says, “but if you have a liability or obligation that is very short-term, like you want to purchase a vacation property, then you’ll want your cash as readily available as possible.”

Bryan Snelson, vice-president and portfolio manager with Raymond James, uses HISAs as a place to park his clients’ cash while waiting for market opportunities. “It’s a reservoir for future income needs,” he says.

A surprising fixed-income alternative
For years, retirees have been told that they must invest in bonds in order to preserve and make money on their capital. While most investors should still own some bonds—fixed income is, generally, still more stable than equities—in order to generate returns you now have to buy riskier corporate bonds or preferred shares instead of low-paying government instruments.

Allan Small, a senior investment adviser at DMW Securities, has avoided government bonds for the past few years because they pay so little. With the inflation rate ranging between 1% and 2%, it’s possible to actually lose money investing in government fixed income. Investment-grade corporates pay about two percentage points more than short-term government bonds, and they’re less risky than they used to be. Small suggests sticking to bonds rated BBB or above.

Cambridge Advisors principal and portfolio manager Bob Swanson sees more value in preferred shares. These corporate fixed-income instruments pay a dividend that is taxed at a more favourable rate than regular bond interest, but you only benefit from this if they are held outside of a registered account. The downside is that many have longer maturities than corporate bonds, and there is no guarantee you’ll get your initial capital back intact. They can also be hard to come by; few firms issue them.

Dividend stocks that yield more
When it comes to equities, high-paying dividend stocks, especially in the utility and REIT sectors, have been the go-to investment of late. Unfortunately, their popularity has driven valuations up. As a result, investors need to be selective. One strategy Swanson uses is to buy the U.S. equivalent of a Canadian company. For example, many telecom names have been run up in price. Telus has a 4% yield and is trading at around 16 times earnings. AT&T, however, has a 5.3% yield, and it is trading at only 14 times earnings. “Take some of those similar types of companies within sectors and then go beyond the border to find better yields,” he says. Snelson adds that there’s still value in many large-cap dividend payers, but be sure to buy the ones that are growing their dividends every year.

If you want to buy into some of the more popular yielding sectors, such as real estate, then both Andrews and Snelson suggest focusing on apartment REITs, many of which have better valuations than their non-apartment peers. They also generate stable, recurring revenues. Look beyond Canada in this sector too. Through something like Dundee International REIT, a new Canadian-based trust that pays a 7.3% yield, you can get global real estate exposure from a TSX-listed company.

http://www.canadianbusiness.com/investing/grow-your-income-lower-your-risk/

Posted via email from Markham Real Estate Today with Asif Khan

Tuesday, February 12, 2013

Is the air in your home toxic?

Toxic

Take these simple steps to freshen the air and curb the potential for carbon monoxide poisoning and other air pollutants.

If the belching smokestack near your home worries you and you never leave the house without checking the air-quality index, here's an eye-opener: There may be two to five times more air pollution inside your home than outside. And that's with some of the windows open. Shut them tight during winter and contaminants get trapped, making your air quality potentially 100 times worse than that of the outside air.

Here's what top experts suggest you do to fight air pollution from the inside:

Check your detection devices. Carbon monoxide and smoke detectors should be installed in a central hallway on each level of your home as well as in the basement, and a smoke detector should also be installed in each bedroom. (Check your local building codes for exact placement.) If your detectors aren't integrated into a burglar alarm system, think about upgrading to wirelessly linked units so that if one detector gets triggered, they'll all ring and wake up the whole family. First Alert's OneLink Series SCO500 ($64; amazon.com), for example, provides both smoke and carbon monoxide detection, and a voice alert indicates where the alarm originated.

Test for radon. Radon is an odorless and invisible radioactive gas that's carcinogenic over the long term -- it's the second-leading cause of lung cancer in the United States -- and has been found to be present in homes across the country. Radon gas is produced as a result of the natural breakdown of uranium in soil. The gas rises from the ground and seeps into your house through foundation cracks. Fortunately it's easy to detect. You can buy a test kit at a hardware store for about $14, including lab fees and a postage-paid mailer. If results reveal gas levels above the EPA-recommended 4 picocuries per liter, hire a remediation company to install a system for venting the gas away from your house (about $1,200).

Service your heating system. Homes with heating and air-conditioning systems rely on ductwork to deliver the warmed or cooled air, and because out of sight can mean out of mind, it's easy to forget about maintaining them. But these ducts should be cleaned every 5 to 10 years to remove dust, pet dander, pollen, and mold that can collect in the system and spread throughout the house whenever the heat kicks on, says Jeffrey May, a Tyngsborough, MA, indoor air quality inspector, an organic chemist, and the author of My House Is Killing Me! This is not a do-it-yourself job. You'll need to hire a professional, but be savvy about which company you choose. "Pick someone who uses brushes instead of only vacuums or chemicals and cleans the blower unit -- and the air-conditioner coil if you have central air," May says. You'll pay about $500 or more if you have central air and need the blower and coil cleaned. You should also have your heating system serviced annually to ensure that it's burning cleanly and not causing exhaust to reenter the house as back draft.

Clear the air. If you have forced-air heating, replacing the furnace filter four times a year will not only make your system more efficient but will go a long way toward filtering dust, mold spores, and other contaminants. But instead of using the standard flat fiberglass filters, choose pleated products (they look like accordion-folded paper) with a MERV-8 rating, and seal any gaps around the filter-access opening with duct tape. Pleated filters are more effective than fiberglass at trapping the smaller particles you're likely to inhale.

If a family member has allergies or chronic respiratory ailments, hire a contractor to upgrade your system with a media filter such as the Aprilaire Whole-House Air Cleaner, which turns the heating system into an air purifier. The project can cost around $1,000, and you'll have to replace the $50 filter annually. Also, if you don't have one already, add a humidifier to your furnace. "Dry winter air dehydrates the nasal and lung linings, making people more susceptible to asthma, congestion, and viral infection," says Jay Portnoy, MD, chief of the allergy and asthma department at Children's Mercy Hospital in Kansas City, MO.

Clean the chimney. Every five years or so, you should hire a chimney sweep to clean and inspect your flues. But if your fireplace is used on a regular basis, have it done every year. A clogged flue can cause a potentially deadly exhaust backup and become a fire hazard if too much flammable soot builds up inside.

Find and fix leaks. Watch for wet areas inside your house, especially under plumbing fixtures, in the attic eaves, and in the basement. Mold will grow on any organic material (such as wood, wallboard, or even dust) that's wet for more than 72 hours. When that mold releases its spores (which are like invisible airborne seeds), they can trigger allergies, asthma, and respiratory illnesses. If you find moisture, fix the problem immediately, and then eradicate any mold you can see. "Mold does die when it dries out, but the allergens will continue to cause reactions in people with a sensitivity to them -- and may even trigger allergies in people who don't already have them," says Jordan Fink, MD, professor of medicine and pediatrics in the Allergy-Immunology Program of the Medical College of Wisconsin.

If you have a large mold infestation, hire a remediation company to remove it. Otherwise, don an N-95 respirator, rubber gloves that extend up your forearms, and safety goggles without ventilation holes; open all the windows; and scrub away the mold using a cleaner that contains bleach, such as Tilex, or a solution of 1 part bleach to 10 parts water.

When to clean appliances:

Heating system Ducts should be cleaned every 5 to 10 years to remove dust, pet dander, pollen, and mold that can collect in the system.

Smoke alarm If your detectors aren't integrated into a burglar alarm system, think about upgrading to wirelessly linked units. If a detector is triggered, it'll wake up the whole family.

Windows Open them when you can. If they're shut tightly all winter, contaminants get trapped, decreasing air quality.

Range hood A hood that blows air into the room filters grease but dumps other pollutants into your home. Install a vent to carry the exhaust outside.

Stove top When possible, cook on the back burners, which tend to draft more effectively up into the hood.
Painting Don't paint in winter. Some products release volatile organic compounds, so it's better to use paint in spring, when you can open windows to ventilate.

Carbon monoxide detectors Place one in a central hallway on each level of your home, including the basement.
Garage Never warm up your car in the garage. Even with the doors open, there's a chance the deadly carbon monoxide could linger in the garage and even spread into the house if it's attached.

Plumbing Watch for wet areas under fixtures. Mold will grow and can release spores that trigger allergies and asthma.

Fireplace Clean and inspect your flues every 5 years. If your fireplace is being used on a regular basis, have it done every year.

4 Habits For A Healthy House:

1. Run your range's vented hood every time you cook so that you eliminate steam, smoke, food particles, and the carbon monoxide created by gas cooktops and burned food on any kind of stove, says Jordan Fink, MD. Otherwise, those particles become indoor air pollution that your family will be inhaling for hours. "Use the high fan setting when you can put up with the din," he says. "And when possible, cook on the back burners, which tend to draft more effectively up into the hood." If your hood blows air into the room, it's just filtering out grease before dumping other pollutants into your living space. To carry the exhaust outside, consider installing a vent, which will likely cost $500 to $1,500.

2. Never warm up your car in the garage. Even with the doors open, there's a chance the deadly carbon monoxide could linger in the garage and even spread into the house if it's attached.

3. Wait until spring to paint or to buy furniture, upholstery, or carpeting. These products, especially when they're new, release volatile organic compounds such as formaldehyde, acetone, toluene, and benzene. It's better to place them in your home when you can open the windows to ventilate. Or buy products with no-VOC certification from Greenguard or Green Seal. And never use air-freshening sprays. "They're the most common cause of high VOCs in houses," says Jay Portnoy, MD.

4. Always turn on the exhaust fan in the bathroom (even if the noise is annoying), or hire an electrician to install a fan if you don't have one. Without a fan, moisture will condense on cold surfaces, including those hidden in the walls, fostering mold growth. Check that the fan is venting to the exterior, not the attic. If moisture winds up in the attic, so will mold. A handyman can add a duct for under $300.

http://living.msn.com/home-decor/cleaning-organizing/is-the-air-in-your-home-toxic?pageart=2

Posted via email from Markham Real Estate Today with Asif Khan

Monday, February 11, 2013

What treatment helps traumatized kids heal?

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Shootings and other traumatic events involving children are not rare events, but there's a startling lack of scientific evidence on the best ways to help young survivors and witnesses heal, a U.S. government-funded analysis found.

School-based counselling treatments showed the most promise, but there's no hard proof that anxiety drugs or other medication work and far more research is needed to provide solid answers, say the authors who reviewed 25 studies. Their report was sponsored by the federal Agency for Healthcare Research and Quality.

According to research cited in the report, about two-thirds of U.S. children and teens younger than 18 will experience at least one traumatic event, including shootings and other violence, car crashes and weather disasters. That includes survivors and witnesses of trauma. Most will not suffer any long-term psychological problems, but about 13 per cent will develop symptoms of post-traumatic stress, including anxiety, behaviour difficulties and other problems related to the event.

The report's conclusions don't mean that no treatment works. It's just that no one knows which treatments are best, or if certain ones work better for some children but not others.

"Our findings serve as a call to action," the researchers wrote in their analysis, published online Monday by the journal Pediatrics.

"This is a very important topic, just in light of recent events," said lead author Valerie Forman-Hoffman, a researcher at the University of North Carolina-Chapel Hill.

She has two young children and said the results suggest that it's likely one of them will experience some kind of trauma before reaching adulthood. "As a parent I want to know what works best," the researcher said.

Besides the December massacre at Sandy Hook Elementary School in Connecticut, other recent tragedies involving young survivors or witnesses include the fatal shooting last month of a 15-year-old Chicago girl gunned down in front of a group of friends; Superstorm Sandy in October; and the 2011 Joplin, Mo., tornado, whose survivors include students whose high school was destroyed.

Some may do fine with no treatment; others will need some sort of counselling to help them cope.

Parents' handling of aftermath

Studying which treatments are most effective is difficult because so many things affect how a child or teen will fare emotionally after a traumatic event, said Dr. Denise Dowd, an emergency physician and research director at Children's Mercy Hospitals and Clinics in Kansas City, Mo., who wrote a Pediatrics editorial.

One of the most important factors is how the child's parents handle the aftermath, Dowd said.

"If the parent is freaking out" and has difficulty controlling emotions, kids will have a tougher time dealing with trauma.

Traumatized kids need to feel like they're in a safe and stable environment, and if their parents have trouble coping, "it's going to be very difficult for the kid," she said.

The researchers analyzed 25 studies of treatments that included anti-anxiety and depression drugs, school-based counselling, and various types of psychotherapy. The strongest evidence favoured school-based treatments involving cognitive behaviour therapy, which helps patients find ways to cope with disturbing thoughts and emotions, sometimes including talking repeatedly about their trauma.

This treatment worked better than nothing, but more research is needed comparing it with alternatives, the report says.

"We really don't have a gold standard treatment right now," said William Copeland, a psychologist and researcher at Duke University Medical Center who was not involved in the report. A lot of doctors and therapists may be "patching together a little bit of this and a little bit of that, and that might not add up to the most effective treatment for any given child," he said.

http://www.cbc.ca/news/health/story/2013/02/11/trauma-children.html

Posted via email from Markham Real Estate Today with Asif Khan

Friday, February 8, 2013

Treacherous' driving conditions in Toronto amid winter blast

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Roads are 'getting worse and worse,' as 20 cm forecast to fall today

A winter blast is hitting southern Ontario as a storm that began Thursday intensified during the morning commute, leaving drivers to contend with treacherous conditions.
Most of southern Ontario remained under a snowfall warning on Friday morning with the weather causing widespread school closures,
flight cancellations and poor visibility for drivers.

Roads in and around Toronto were snow-covered and slippery across the city.

By 8:30 a.m., the OPP had responded to 150 collisions since midnight.

Sgt. Dave Woodford said traffic Friday morning was moving at 20 km/h on Highway 400 as drivers contended with blowing snow and near-zero visibility.

“Conditions are treacherous right now," said Woodford. “People think because they have snow tires or four-wheel drive, nothing can happen to them. If you have to be out, slow down. If you don’t have to be out anywhere, don’t go on the roads.”

The southern Ontario branch of the Canadian Automobile Association received 900 calls for service on Friday, with drivers waiting up to an hour for service.

City crews had dispatched about 600 plows to the city's main routes but they were struggling to keep up with the fast-falling snow.

“Roads are getting worse and worse this morning,” reported CBC’s Trevor Dunn. “You can forget about seeing the markings on the roads, they’re covered in snow. If you accelerate too fast, you’ll start to fish tail quite easily.”

“The Gardiner Expressway is moving very slowly, but that’s a good thing because it’s covered in snow.

Storm disrupts flights, trains

More than 400 flights were cancelled at Toronto’s Pearson Airport. Billy Bishop airport was also reporting cancellations. Travellers are advised to check with their airline before heading to the airport.

GO Transit was operating on a disrupted storm schedule. They’ve posted updated information here.

The city also wasted no time issuing an extreme weather alert, asking homeless people who normally stay outside to seek shelter.

Toronto has not seen a snowfall exceeding 15 centimetres since Dec. 19, 2008, said Environment Canada senior climatologist David Phillips, adding the precipitation from the current system represents nearly half the total snowfall for all of last year.

With the forecast calling for snow to continue falling throughout the day, the outbound commute is expected to be difficult as well.

The storm was caused when two weather systems, a Texas low and an Alberta clipper, merged. The storm brought winter conditions not only to the GTA, but to much of southern Ontario and the northern U.S.

"This potentially could become an historic storm not only for the city of Toronto but for places south of the border," said CBC meteorologist Johanna Wagstaffe.

http://www.cbc.ca/news/canada/toronto/story/2013/02/07/toronto-snow-storm.html

Posted via email from Markham Real Estate Today with Asif Khan

Thursday, February 7, 2013

Snowstorm headed for southern Ontario

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'Treacherous' conditions forecast with 15-25 centimetres of snow

People in southern Ontario are being warned to expect another wintry blast, as a major snowstorm is expected to hit most of the region Thursday and Friday.

Environment Canada has issued a winter storm watch for much of southern and parts of eastern Ontario, extending from London to Peterborough, and including Toronto.

Between 15 and 25 centimetres of snow along with strong easterly winds are expected. Some freezing rain and ice pellets are also possible over the southwest.

It's expected the storm will deliver the Greater Toronto Area's most significant snowfall in five years.

CBC meteorologist Claire Martin said the last time Toronto experienced similar snow accumulations was Feb. 6, 2008, when 30.4 cm hit the city.

"It's been a long time since we've seen a snowfall this heavy," said another CBC meteorologist, Jay Scotland. "And we're not just looking at snow. Things will be really bad in terms of visibility for Friday morning."

Possible flight cancellations

The storm is expected to start on Thursday evening, with the bulk of the snow, about 20 cm, expected to fall between 9 p.m. and 9 a.m. ET.

The City of Toronto has issued a cold weather alert, a move that opens additional spaces at homeless shelters. City officials were also busy readying snow-clearing equipment, including plows that weren't used even once last winter.

Pearson International Airport posted a weather alert on its website, warning that those scheduled to travel on Thursday or Friday should check the status of their flight before leaving for the airport.

"Toronto Pearson has invested in infrastructure, equipment and staff training for effective snow clearing, de-icing of aircraft and in-terminal assistance for passengers," it said in a statement.

WestJet issued a similar travel warning for Thursday and Friday, that a winter storm may cause the delay or cancellation of flights to and from Toronto.

Air Canada has issued an alert for Thursday, warning that flights may be "impacted by forecasted snow."

Difficult morning drive

That will make for a difficult Friday morning rush-hour commute anywhere along the Highway 401 corridor from London to the GTA and through the Golden Horseshoe.

CBC News reporter Trevor Dunn said commuters should prepare for a difficult drive or arrange to take transit.

“The worst is coming overnight and it will continue through early Friday," Dunn reported Thursday. "By all appearances, tomorrow morning looks treacherous.”

The storm will also bring heavy snowfall to eastern Ontario, parts of Quebec and Eastern Canada.

The storm is the combination of two weather systems that will merge in the eastern United States. Many cities in the northeast corridor are expecting blizzard conditions on Friday. Parts of New England are predicting accumulations of up to 60 cm.

Friday night's storm will be a far cry from the one that hit Toronto in January 1999, when the city famously called in the army to help with the cleanup. Thirty-eight centimetres fell in one day and more than 100 cm accumulated within a week.

Things will be quite different come Monday, when much of the weather will turn to a slushy mess.

Monday forecasts for much of Ontario are calling for rain and above-zero temperatures, including:

  • Toronto daytime highs that are expected to hit 7 C.
  • Windsor experiencing above-zero temperatures
  • Ottawa expecting a mix of snow and rain.

Posted via email from Markham Real Estate Today with Asif Khan

Wednesday, February 6, 2013

Market Watch - Positive Start to 2013

February 5, 2013 -- Greater Toronto Area REALTORS® reported 4,375 transactions through the TorontoMLS system in January 2013. This number represented a slight decline compared to 4,432 transactions reported in January 2012.

“The January sales figures represent a good start to 2013. While the number of transactions was down slightly compared to last year, the rate of decline was much less than what was experienced in the second half of 2012. This suggests that some buyers, who put their decision to purchase on hold last year due to stricter mortgage lending guidelines, are once again becoming active in the market,” said Toronto Real Estate Board (TREB) President Ann Hannah.

“It is interesting to note that sales were up for many home types in the GTA regions surrounding the City of Toronto. This is due, at least in part, to the additional upfront land transfer tax in the City of Toronto,” added Ms. Hannah.

The average selling price for January 2013 sales was $482,648 – up by 4.3 per cent compared to $462,655 in January 2012. The MLS® Home Price Index (HPI) Composite Benchmark price was up by 3.8 per cent over the same period.

“There will be enough competition between buyers in the marketplace to prompt continued growth in home prices in 2013. Expect annual average price growth in the three to five per cent range this year,” said Jason Mercer, TREB’s Senior Manager of Market Analysis.

Posted via email from Markham Real Estate Today with Asif Khan

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