Connect with us

Buzz

New home? Prepare for the unexpected

Editor

Published

on

(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.

Continue Reading

Buzz

Mortgage pitfalls to avoid

Editor

Published

on

By

(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.”

Continue Reading

Buzz

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

Editor

Published

on

By

(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.

Continue Reading

Buzz

3 tips to stay healthy while staying at home

Editor

Published

on

By

(NC) More and more of us are spending increased time at home to stop the spread of COVID-19. It’s the right choice, but it also has it downsides.  

That’s especially true when it comes to maintaining healthy habits. It can be all too easy to grab the junk food snacks or sit in one place all day. Here are three simple tips to help you be healthy. 

Stay active – keep moving. 

We all know this one, but it’s important. There are countless online workouts and yoga classes to try for free or by subscription, but you can also dance while cooking or doing the dishes, take jumping jack breaks, or go for a walk to mark the end of your workday. Every move counts, and so try to bring the fun into everyday activities. 

Make sure your home is safe – test for radon 

Radon is a radioactive gas that’s in all our homes. If your home has high levels of radon, all the time you’re spending at home these days could be increasing your exposure and your risk of lung cancer. Long-term exposure to elevated levels of radon is the number one cause of lung cancer in non-smokers.  

The only way to know the radon levels in your home is to test. You can buy an inexpensive DIY kit or have a professional come in and do the test for you.  

Get the right set up – ease your pain 

Whatever your workspace looks like, making it ergonomic is crucial. It’ll save you a lot of neck and back pain or discomfort, eye strain and visits to chiropractors. You can purchase a dedicated standing desk or the latest supportive office chair, but if you want to save some cash or you feel like a project, head to YouTube for some DIY tutorials. If you’ve been doing online shopping, hang on to some of those boxes and try making a foot stool or computer riser.  

Continue Reading

Chat

Trending