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Here’s where interest rates are going to hit the Canadian housing market hardest in 2019

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Canadians’ debt levels have started creeping upwards again, and it couldn’t have come at a worse time.

While the country is infamous for its high levels of household debt, rising interest rates have started to exacerbate what is already a precarious situation for many homeowners, according to the latest report from the Canada Mortgage and Housing Corporation (CMHC).

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“With interest rates on the rise, highly indebted households could see their increased required [mortgage] payments exceed their budgets,” reads the latest report from the federal housing agency. “Highly indebted households have usually few debt consolidation options to respond to increasing debt services costs.”

The ratio of debt-to-disposable income — which the CMHC uses to track household debt levels — climbed three percent in both Toronto and Vancouver in the second quarter of 2018, from 239 and 205 percent to 242 and 208 percent, respectively. Mortgages make up roughly 70 percent of total household debt in both cities.

And while the rate of mortgage delinquency has been falling over the course of 2018, that could start to change as interest rates continue to rise. Higher interest rates trigger a rise in mortgage rates, and the Bank of Canada is widely expected to raise rates at least twice in 2019. The current overnight rate sits at 1.75 percent, after sitting at a historic low of 0.5 percent for years.

“It is a vulnerability that has to be closely watched should interest rates continue to move higher,” writes Brent Weimer, CMHC’s senior housing researcher, in a statement.

In order to make higher monthly payments on time, it’s likely that many homeowners will have to make changes to their spending habits over the coming year.

“The increased debt payment burden may come at the cost of reduced consumption, decreased savings or opting to make lower repayments on the principal,” reads the CMHC release.

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Say no to raw fish: Eating raw or undercooked fish can expose consumers to antibiotic-resistant superbugs

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(Natural News) Raw or undercooked fish may lead to infections caused by antibiotic-resistant bacteria, or superbugs, suggests a study published in Aquatic Mammals.

Researchers swabbed dolphins and found a surge in antibiotic resistance among bacteria isolates. Although dolphins are rarely eaten, they are a good indicator of the rest of life at sea that ends up as food.

“In 2009, we reported a high prevalence of antibiotic resistance in wild dolphins, which was unexpected. Since then, we have been tracking changes over time and have found a significant increase in antibiotic resistance in isolates from these animals,” said Adam H. Schaefer, the lead author of the study.

Antibiotic resistance among pathogens increased

Antibiotic resistance is one of the major problems in the medical community presently. The growing resistance of pathogens against antibiotics poses serious health risks — the probability of successfully treating infections caused by common pathogens decreases. In the United States, for example, at least 2.8 million people are infected by superbugs annually while 35,000 die as a result.

Once confined to healthcare settings, it has become increasingly prevalent in other places including marine environments. However, little research examined the long-term trends in antibiotic resistance in pathogens found in wildlife populations.

In the study, researchers swabbed 171 bottlenose dolphins from the Indian River Lagoon from 2003 to 2015. They isolated a total of 733 pathogens from the dolphins, many of which are involved in human health.

Results showed that the overall prevalence of resistance to at least one antibiotic for the 733 isolates was 88.2 percent. The prevalence of resistance was highest to erythromy­cin at 91.6 percent, followed by ampicillin at 77.3 percent and cephalothin at 61.7 percent.

Furthermore, resistance to ciprofloxacin among E. coli isolates more than doubled between sampling periods. Ciprofloxacin is an antibiotic used to treat infections such as pneumonia, gonorrhea and typhoid fever.

The researchers said that the trends seen in their study reflect reports from human health care settings. They further noted that the superbug isolates from dolphins came from a source where antibiotics are regularly used. Human activities or discharges from terrestrial sources may have contributed to the spread in marine environments.

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Spice up your diet with paprika’s health benefits

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(Natural News) Paprika can be a great addition to a number of dishes, from salads to roasts. But studies find that this popular pepper-based spice introduces more than just heat to foods.

In one of her most recent articles published online, Elizabeth Streit, a registered dietitian nutritionist based in Minnesota, shared some science-backed health benefits of paprika.

Health benefits of paprika, according to science

Paprika comes in a range of colors, smells and spiciness, but this does not alter nor affect its health benefits. Here are eight of its most popular benefits, according to Streit:

Contains essential nutrients

Paprika is made from ground capsicum peppers or bell peppers. These peppers can differ in terms of their heat factor, but their nutrition profile more or less remains the same. For this reason, paprika contains an incredible range of nutrients and antioxidants.

In particular, paprika is abundant in vitamins A and E. Both of these micronutrients double as antioxidants to protect cells from free radical-induced damage and oxidative stress. Paprika is also rich in iron, an essential mineral for red blood cell production.

Other nutrients found in this rich and pungent spice include fiber for gut health and vitamin B6 for brain health. Paprika also has plant antioxidants called carotenoids that include compounds like beta-carotene, capsanthin, zeaxanthin and lutein.

Maintains good eyesight

Vitamin A is an important micronutrient for maintaining healthy eyesight. Beta-carotene, lutein and zeaxanthin, on the other hand, help reduce the risk of eye conditions, including cataracts and age-related macular degeneration.

Fights inflammation

Spicier paprika contains capsaicin, a compound found in hot chili peppers like habanero and jalapeno. Scientists found that capsaicin is capable of binding to receptors that reduce pain and inflammation.

For this reason, paprika might be a promising holistic treatment for arthritis, a chronic condition that causes inflammation of the joints and connective tissues. In fact, some studies demonstrate that topical creams containing capsaicin can help ease arthritic pain.

Reduces cholesterol

Scientists identified another carotenoid in paprika that can help reduce bad cholesterol in the bloodstream. The carotenoid, called capsanthin, can also increase the amount of good cholesterol in the blood. This cholesterol has been linked to a reduced risk of heart disease.

Protects against cancer

Recent studies suggest that the beneficial plant compounds in paprika, including beta-carotene, lutein and zeaxanthin, might also be potent against cancer.

In particular, these compounds have been found to inhibit the spread of cancer cells and keep them from aggregating into tumors.

Regulates blood sugar

Some studies on diabetes management found that taking capsaicin supplements or eating capsaicin-containing peppers, such as those used to make paprika, can protect against sudden spikes in blood sugar after meals.

Boosts blood circulation

Iron and vitamin E are just some of the most important micronutrients for proper blood circulation and optimal heart health. Iron aids in making red blood cells needed to transport oxygen from the lungs to the tissues.

Vitamin E, on the other hand, helps regulate blood pressure and keeps blood from clotting inside vessels.

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5 Health benefits of mangoes (as well as 3 healthy recipes)

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(Natural News) Mangoes are one of the most popular fruits in the world. Their sweet and tangy taste makes them a favorite ingredient for desserts, smoothies and salsas while its juice is refreshing for the summer. Although they’re one of the sweeter fruits, mangoes have several varieties that can be more sour than sweet and more green or orange than yellow.

Despite their differences, however, all varieties are packed with vitamins and minerals that are essential for good health. For one, mangoes are rich in vitamin C and vitamin A, providing 76 percent and 25 percent of the daily recommended intake of the two nutrients, respectively.

5 health benefits of mangoes

Mangoes confer various health benefits including:

1. Help boost immunity

Mangoes are rich in nutrients that play an important role in immune health such as vitamins C and A. Both nutrients are antioxidants that play a protective role against oxidative damage that could lead to cancer.

In addition, vitamin A is beneficial for the skin and mucous membranes that line the nose, sinuses and mouth.

2. Keep eyes healthy

Zeaxanthin in mangoes is an antioxidant that is linked to a reduced risk of age-related macular degeneration or AMD, which is one of the leading causes of vision impairment and blindness. Research has found that eating three or more fruits a day can help slow down and lower the risk of AMD.

3. Help improve heart health

Research on animals found that mangiferin, an antioxidant in mango, can reduce inflammation, oxidative stress and programmed cell death in heart cells. Additional research also found that it helps lower blood cholesterol, triglyceride and free fatty acid levels.

4. Aid digestion

Mangoes are also good for digestion, according to studies. A group of researchers gave mangoes to people with chronic constipation for four weeks and found that the participants had significant improvements in the symptoms of constipation. This is because mangoes are rich in fiber and amylase, both of which help improve gut health. Amylase, in particular, is a digestive enzyme that enhances gut bacterial composition and helps break down large food molecules for better absorption.

5. Boosts skin and hair health

Vitamins C and A in mangoes promote healthy skin and hair. Vitamin C plays an essential role in collagen production; collagen is a protein that gives structure to the skin and hair and is known to combat the sagging and wrinkling of the skin.

On the other hand, vitamin A boosts hair growth and sebum production, which keeps your scalp moisturized and your hair healthy. It is also found to protect the skin from the harmful rays of the sun.

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