For a few years now, there has been a decline in the number of people who invest in GIC rates. In the recent past however, people have been talking about the interest rates going up and this kind of investment is starting to look quite appealing. People are however quite skeptical because most of them have very limited knowledge when it comes to the best GIC rates. Not to worry though because below are 5 super easy ways to learn everything about GIC rates.

1. Monitoring inflation

This is a great way to learn about the GIC rates because they are generally low when the rates of inflation are low and vice versa. Clients who have an objective of saving usually have no problem accepting low rates because when inflation slows down. This is because the purchasing power of their money is still maintained even if interest rates are low. If your objective is to save and the inflation rates are somewhere around 10 percent then you only need to earn just about that same amount or a little higher.

2. Approach small financial institutions

Do your research by consulting smaller institutions. This is because the smaller institutions almost always give you much better GIC rates than the big financial institutions. Smaller institutions will consistently offer you better rates. Banks and other big financial institutions are known to offer very low rates.

3. Research on the market

Each and every website on the world wide web will let you know that they offer the best possible rates but then there must obviously be one that is the best. If you want to invest, it becomes your duty to do some research. The best way to do this is by talking to independent bodies then counter checking with a financial institution to see if the information about rates is correct.

4. Thrive on short terms

Increases are enjoyed better in the short term. Lets assume the economy will not collapse, then in future the GIC rates are projected to go up. Financial institutions such as banks or credit unions will not move with the bank of Canada. They will make their moves with close monitoring of bond markets. This means that if you are making a long term investment then you will not reap the benefits of an increase.

5. Look into the GIC ladder

The one thing that really need to do is increase your knowledge about the GIC ladder. This concept can help you regardless of the outcome. The is a concept that will show you how your money matures so that you will always know when to buy in and even when things go under, you will not be exposed as much.

 

If you are not yet familiar with wooden watches by now then it’s high-time you took some time and did some research on the topic. These watches are easily becoming the new trending fashion pieces in the watch industry. A wooden watch doesn’t really consist of the same materials when it is being made. Wooden watches meant to show scream a fashion statement about the wearer of the watch due to its unique design and properties.

Wooden watches are also known to last a lot longer compared to any of the other types of watches in the industry. But if you are looking to have your wooden watch around for a lot longer, then there are some basic care tips that you will have to start giving to them. So, here are some basic tips that you can use to ensure that you have your wooden watch for a lot longer and in pristine condition.

1. Wear it

Yes, you will actually have to wear your wooden watch if you want it to serve you for a lot longer. This is because a wooden watch relies more on the wearer’s natural body oils for it to stay moisturized and avoid drying up. A dried up wooden watch can end up cracking or ever start to discolor which is not what you will be looking for. So, wear your wooden watch as often as you can if you want it to be around throughout your life.

2. Stay clear of water

The one place where you must never wear your wooden watch is in environments with lots of water. Soaking or submerging the watch will certainly cause permanent damage to the watch. Both the interior and exterior part of the watch will be damaged. The wood used to make the watch will either morph, change its shape, or even shrink. So, no water for your wooden watch.

3. Preserve the shine

In as much as your natural body oils will be lubricating the watch and maintaining its shine, it might not be enough to ensure it’s well-maintained. That is why you may need to purchase a protective oil, which you can use to better lubricate your watch plus also create a more beautiful and varnished shine on your watch.

4. Avoid direct sunlight

Remember the bit about drying up and cracking of your wooden watch? Well, here is another precaution that you can take to prevent that as all wooden things are bound to crack and or discolor when exposed to too much direct sunlight. But this doesn’t mean that you don’t put on your watch, it only means that you should try as much as possible to keep it away from direct sunlight exposure.

5. Enjoy the natural aging process

Another really cool feature about wooden watches is that they start to show some slight changes with age. You will notice some slight changes on the wooden watch like color, cracks or lines, and even the shape of the watch which is all just amazing to realize and study. With proper care and maintenance of the watch, these processes can be slowed significantly, but not completely stopped.

You are not disabled but differently abled: Learn why

When someone you love or a family member becomes diagnosed with a certain medical condition, you tend to ask yourself so many questions about how their future will be from that point. You tend to wonder how your life and theirs will change. How do you handle them? If you are the one who has been diagnosed, you also tend to wonder the direction your life will take. If it’s a hearing problem, an audiologist Calgary will be your friend from that day onward. Most people use the term ‘disabled’ to characterize people who have certain physical as well as mental conditions. But are they really disabled? Here is why they are differently abled and not disabled.

1. Unique abilities

Having had the chance to talk to a parent who has a child with autism brought me to the realization that they are abled people, just in a different way. Some of them have got better senses than completely able bodied people. The mother candidly explains how her son has the ability to see things through a different lens. How he can hear things that we often can’t. He definitely uses a different way to process things and this is not a disability.

2. The truth about life

More often than not, we tend to take life for granted. All the abilities that we have are things we never really take time to process or be thankful for. This is a truth I learnt by spending time with kids who I thought were disabled. Over the course of time, they taught me how to be conscious of my surroundings. How to be passionate about everything in life and how to love. If that is not a different ability, I don’t know what is.

3. Success stories

Being in campus or high school, sometimes you lose motivation and direction. It is around such times that the school administration usually presents you with motivational speakers. These are people who were once in your position who have gone to achieve tremendous things in life. Most of these speakers are known to be disabled. But there really is no such thing as a disability in life if they were able to get that far. They still had the ability to achieve their dreams. The just had to do it differently.

4. Perception

If you are living with a disability, the simple truth is that you can be able to engage in most if not all activities that other people do. It’s just about you having to have a different experience because you are differently abled. You can still go to the movies. You can still hang out with your friends at the joints they frequent. You can still go to school and learn. You can be anything that you want to be. You are far much capable than you think.

 

 

 

 

 

 

 

 

 

We all love to look good sometimes, perhaps all the time — which explains the rising number of plastic surgeons in Canada. It really just depends on an individual. When you look good, you feel good, and when you feel good, you can be at your best in whatever it is that you do for a living. So how you look can affect your how you feel which in turn can have an impact on your performance. There are various ways to achieve our favorite looks ranging from plastic surgery, our attire, to wearing makeup- that last part being mostly associated with ladies. Ladies particularly love their eyebrows, and their eyelashes and eyelash extension supplies are one of the most purchased beauty cosmetic products.

1. The Evolution of the Beauty Industry

Over the years, eyelash and eyebrows extensions have always been an easy — but expensive process done in beauty salons and didn’t require much training. In many cases, the only women you see with perfect eyelashes were Hollywood stars and red carpet models. However, in the last couple of years, we have seen some changes in the beauty industry. The eyelash has evolved to one of the dominating markets in the beauty industry- thanks to salon artists who have helped glaze the cheeks of everyday women with beautifully done eyelashes extensions.

2. Where Can I Get Eyelash Extension Training?

The explosion of the eyelash extension business has led to the emergence of eyelash extension training programs in beauty colleges. Eyelash extension is one of the most profitable and fastest business in the beauty industry. Businesses offering eyelash extension services also specialize in the provision of eyelash extension supplies in wholesale and retail. Eyelash application, according to beauty industry experts, is a meticulous and highly technical process that requires the expertise of a highly trained cosmetologist or aesthetician to perform.

3. How Much Is An Eyelash Extension Course In Canada?

Instead of the conventional false eyelashes, these new extensions are individually bonded to your lashes for a glamorous thick eyelash look. These lashes will be there for the long term, but if you wish to get rid of them, they can be removed. For an efficient and effective application of techniques, stylist, makeup and eyelash extension artists must undergo thorough training. All eyelash extension artist are required to get certification with the relevant authorities before they can practice. In Canada, an eyelash extension course will cost you anything around $1,000 depending on the school you choose and where you are in the country.

Summer is upon us, and everyone wants to flaunt his or her summer bodies. Having a flat tummy is one of the primary body goals that people have when it comes to having a perfect summer body. However, with just a few weeks to go, many might not have the time to commit to serious physical workouts and get a flat tummy. That is where the abdominoplasty comes in. services can be accessed literally everywhere, you can even get a tummy tuck at an affordable cost.

The popularity of plastic surgery has spread globally and is no longer something that is just done by the celebrities. Just like any other plastic surgery, the tummy tuck surgery needs one to prepare accordingly so that you can have the desired results at the end of the recovery period. Having a checklist as part of your preparation process for the surgery is very essential. You will also need to carry out some extensive research and this most of the times can be challenging and can cause a lot of disorganization.

When it comes to any surgery, proper planning is crucial to everything running smoothly. Below is a list of the three essential things that you will need in your checklist as you prepare for your tummy tuck surgery.

1. Looking and finding the perfect Plastic Surgeon

When it comes to any surgery, getting the best surgeon is the number priority. Even in plastic surgery, the right plastic surgeon should be the first item on your checklist always. Do detailed window shopping of the best plastic surgeons who deal with tummy tuck surgeries. Look at the skills of the different plastic surgeons; the customer reviews of previous clients, these two factors will determine the outcome of your plastic surgery.

Also, check if the plastic surgeon has been certified by the relevant board and has a vast amount of experience in doing the tummy tuck surgeries. Do not be afraid to ask any questions, when consulting with any plastic surgeon. The other factor is to make sure the plastic surgeon has many pictures of before surgery and after surgery that you can look at.

2. Why not consider adding liposuction to the tummy tuck surgery?

If you are going for a tummy tuck surgery to get rid of the excess skin caused by weight loss or pregnancy, it is best to inquire with your plastic surgeon whether it would be beneficial to combine the tummy tuck surgery with a liposuction procedure.

This is very helpful for individuals who have stubborn fat pockets that won’t disappear even after intense working out and dieting. Combining the two processes can bring about incredible results. This is only good for someone who has been considering liposuction.

3. Having an effective recovery plan

Going through surgery can be difficult, especially when your body has to go through the recovery process. Preparing for your surgical operation is different from getting ready for your recovery. Severe adjustments will need to be made so that they can facilitate a faster healing process for your body.

Make appropriate arrangements for everything that you will need. Simple things like childcare for your kids, meal preparation at home and your ride home after surgery should all be looked into early enough. Arrangements at work should also be made and make sure your home is turned into a place that will facilitate faster and comfortable recuperation process.

 

The decision to get cosmetic surgery may be rather easy to make. After all, you may have problem areas that are impacting your level of self-confidence, your relationships and other factors. These could be body image issues related to natural aging processes, previous surgeries or accidents, a blemish that you have had since birth or something else. Addressing your problem areas can help you to feel better about yourself, and this can feed into all aspects of your life. While cosmetic surgery is one option to consider, other treatments like Botox and other nonsurgical treatment options may also be considered. Before you make a final decision about how to proceed, ask these important questions.

1. What Is the Cost?

When you compare the cost of many nonsurgical treatments for issues that you may be struggling with to the cost of surgical treatments, you may discover that cosmetic surgery is very expensive. In many cases, cosmetic surgical procedures are not covered by insurance. You would therefore have to pay the cost out of pocket. If funds are limited, a nonsurgical option may be a preferred idea.

2. How Effective Is a Nonsurgical Treatment?

This begs the question of how effective a nonsurgical option may be at delivering desired results. Botox, for example, is a cost-effective way to address the signs of aging. While the results can be stunning in some cases, remember that future Botox injections may be needed every few months. With a facelift, you may enjoy longer lasting results. This could affect the total time needed over the years as well as the total cost that you will pay over time.

3. What Is the Recovery Time?

If you have minimal time available for recovery, a nonsurgical treatment may be preferred. Depending on the type of surgical procedure that you are thinking about, the recovery time may vary. In some cases, it may take a full week or longer before you are healed well enough to return to work and other normal activities. Remember, however, that the length of time that you can enjoy the results should also be reviewed when analyzing the recovery time.

4. What Are Potential Side Effects?

Both the nonsurgical option and the surgical option have potential side effects. You should discuss all possible side effects with your doctor so that you can make an informed decision that is right for you. Remember that the incidence of previous side effects should be analyzed as well. Some side effects are more common than others.

Both of these treatment options have the potential to create stunning results that you will love. However, everything from the cost and recovery time to the side effects and more should be analyzed before you decide which treatment is right for you.