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5 tips to create an at-home spa experience

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(NC) A visit to the spa might not be an option for many of us, so here are five quick tips to create a spa-like experience in the comfort and safety of your own home.

Atmosphere
Lighting, scent and calming music are all key elements associated with a visit to the spa. Candles are quick and easy mood-enhancing items that not only add softness to lighting, but can also be used to introduce aromatherapy. Lavender is a great aromatherapy option because it promotes a sense of wellness and calm.

Get steamy
While a warm bath is a go-to ritual for many, you can also dial up your in-home spa game by converting your shower into a mini steam room. Turn your shower on with high heat to steam up your bathroom, grab an exfoliating scrub or loofah to remove dead skin cells and finish with a shower.

DIY facial
Consider turning your bedroom into a treatment room. When trying a new or trusted facial mask, remember to choose one that targets your skin-care concerns — such as dry skin, clogged pores, or anti aging. You can also add a foot mask, hand mask, under-eye mask or lip mask for an extra-targeted boost of hydration.

Try new tools
Explore adding a new and affordable skin tool to your at-home spa. Depending on your skin’s needs, choose from a variety of devices such as sonic cleansers to remove impurities and minimize pores, or microdermabrasion tools to reduce the appearance of acne scars and age spots.

You can also try an online skin analysis tool, which uses new technology to provide a customized summary of your skin health. “The virtual skin tool from Shoppers Drug Mart is the next step in learning more about your skin and having personalized products recommended,” said Chanel Cruz, a Shoppers beauty pro.

Mani/pedi time
Complete your spa experience with a manicure or pedicure. After your skin is prepped and hydrated, finish by trimming and shaping your nails and pushing down your cuticles. Top with nail colour and topcoat if desired.

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New home? Prepare for the unexpected

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(NC) Buying a house, getting married or having your first baby are all major life events that are likely to affect your finances. But whether you’re in the midst of a major life event or not, it’s important to check in on your finances regularly to maintain good financial health.

Your financial health encompasses things like your spending, savings, borrowing and future financial plans. It also means dedicating a set amount of savings for unexpected future events. It can even include optional credit protection insurance, such as TD protection plans, to help cover your debt balances in case of death, a covered critical illness or total disability.

Even though it can be tough to think about the unexpected, life is unpredictable and it’s important to plan for the unexpected. Find more information at td.com.

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Mortgage pitfalls to avoid

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(NC) Throughout life, you may have moments where you’ll make a large purchase or invest in a costly item, like your family home. But whether you’re in the market for your first new property or already have a mortgage, leaving this asset unprotected can be costly.   

Insuring your housing financial debt, as well as debt for other big-ticket items like a new boat for your lakefront cottage or keepsake jewelry like an engagement ring, is a smart investment in your well-being.

To help protect your debt balances like a mortgage, your bank may have optional credit protection insurance products.

“Your home is one of your biggest assets, yet illness can happen at any stage of life. Worrying about your mortgage when the focus should be on health isn’t a situation anyone would wish for,” explains Shirley Malloy, vice president at TD. “Fortunately, we offer mortgage protection to provide coverage for your outstanding balance should you face a covered critical health event.”

Mortgage protection can be purchased whether you’re in the process of applying for a mortgage or already have a home financing solution. But what about protection options for credit card debt?

“Given the unprecedented circumstances of this year, many Canadians are trying to plan for the unexpected to protect themselves and their finances,” says Malloy. “TD balance protection plus is an optional product designed to help you deal with your credit card payment obligations in the event of a covered event, such as loss of employment.”

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Is your internet too slow? It’s probably not you

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(NC) We all know the aggravation of a school lesson that just won’t stop freezing or the family video call that looks more like a photo montage. And, as we adjust to the impact of COVID-19 on our day-to-day, that slow connection can have frustrating consequences.

Working from home and learning remotely, both need fast, stable internet, something not enough Canadians have yet. Even if you have fast devices in your home, if the infrastructure in your area is not optimal, your connection won’t be either.

Right now, cities have the infrastructure needed to ensure access. But rural and remote communities are hugely underserved, with fewer than half having high-speed internet, and fewer than a third of households on reservations have high-speed connections.

Fortunately, change is coming. The Universal Broadband Fund is backing projects across Canada right now to ensure the reliable, high-speed internet connections families need to work, study, access services online, and safely stay in touch with each other.

The fund existed before COVID, but as a response to the pandemic, its timetable has been moved up by four years to a target of 98 per cent of Canadians with high-speed internet access by 2026. With the faster pace, at least 90 per cent of us should be connected by the end of 2021.

The fund is focused on improvements in rural and remote communities across Canada to fix the disconnect between internet access for urban and rural households.  This means more remote work opportunities, better access to remote learning and safer access to healthcare, no matter where you live.

It’s not just for good connections at home, either. The improvements mean much better access to mobile networks on highways between remote communities. The result is better, safer navigation and access to emergency services for your family, even on the road in the middle of nowhere. Mobile projects will be focused on serving Indigenous communities and the roads leading to them.

The shape these improvements will take in your area will depend on where you live. Canada is huge, and its communities are hugely diverse, with diverse needs. Keep an eye out for local projects — they’re a small part of something much bigger.

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