One of the most exciting moments in anyone’s life is when they purchase their own first property. However, this is also perhaps the biggest expense you will have in your life. And the price tag of the property is far from the end of the story. The mortgage is just one of the expenses you will face down the road, and the fact that many people tend to overlook additional costs when planning their budget can result in a headache or two in the end. However, being well-prepared and well-informed before jumping right in can help in lowering some of these unexpected expenses. So, for a start, here are some of the hidden figures behind buying a home you should be aware of before you sign that contract.
First off, inspections
Prepare for a loan origination fee...
...as well as closing costs
Insurance, taxes and so on
For the future
More and more people are opting for working from home. You don’t have to spend hours commuting back and forth to the job, or sit for hours in a crowdy and steamy room, and be overwhelmed with constant noise and commotion. When you have your own space where you can work uninterruptedly and effectively, you can undoubtedly progress better and faster, and even earn much more money.
Bring the inside in
Add comfy elements
With the cold weather in full swing, maple syrup season has finally arrived and there is no better time to enjoy the uniquely Canadian taste.
What’s more Canadian than warming up with a cocktail by the fire this winter?
When spending your days indoors, why not create some fun winter cocktail recipes to enjoy with family and friends. For an authentic Canadian taste, make them with Cabot Trail Maple Cream, a distinctly Canadian maple liqueur made with Grade A Canadian maple syrup.
Learn more about Cabot Trail Maple Cream here and check out these recipes to enjoy this winter.
30 ml (1 oz.) Cabot Trail Maple Cream
Chocolate pearls or maple cookie (optional)
1. In a coffee cup or toddy glass, add Cabot Trail Maple Cream.
2. Top up with hot coffee.
3. Garnish with Chantilly cream and chocolate pearls.
30 ml (1 oz.) Cabot Trail Maple Cream
15 ml (1/2 oz.) red vermouth
20 ml (3/4 oz.) cassis liqueur
20 ml (3/4 oz.) Lot no.40 Canadian Whisky
1. Shake and strain liquid ingredients into an old-fashioned glass.
2. Garnish with sour cherries and mint leaves.
- Choose molds from Latex Mold Makers
- Create a number of different statues
- Choose if you will paint or sell as is
- Advertise your work
- Sell from home or at craft markets or shops
- Enjoy a profitable and creative business!
If your child or toddler is begging for screen time, know that you are not alone. Televisions, phones, and tablets are often used as tools to teach children new things as well as to distract them while their parents get some much-needed work done around the house.
However, when it comes to their sleep schedule - and yours - screen time might be causing more problems than it is solving. Limiting it, at least at key times, could solve many of your children’s sleep issues.
Delays Sleep & Melatonin Production
The reason that your toddler pays so much attention to the electronic screen that you put in front of them is because that screen emits a type of light that is known to tell the brain to wake up and pay attention to it. This light is on the blue wavelength spectrum. This is the same kind of light that you would find in bright white LEDs.
This wouldn’t be a problem if the effect didn’t stick around even after you put the devices away. This type of light tells your brain to stay awake for up to four hours after you use it, which means that the brain will not produce melatonin until its effects are out of your system.
Disrupts Sleep Routine
When your brain doesn’t produce melatonin when it should, you’ll struggle to go to sleep, whether it’s for nap time or for bedtime. This disrupts their - and thus your - sleep routine, which makes for a much crankier child overall.
Sleep routines are important for setting the stage for your child to be successful. Everyone does better during the day when they can predict exactly what is going to come next. In order to promote a healthy sleep routine, try setting up a bedtime routine that starts with putting the electronics away every night. A routine like this can include anything from reading for a little while together to brushing your teeth to getting your things ready for school the next day - whatever your child needs.
Can Increase Anxiety & Depression
As your child gets older, social media can become a problem for both their sleep schedule and mental health. They’ll be more likely to want to stay up talking to friends or scrolling through their timelines and feeds.
Limiting screen time can help you to ensure they aren’t getting bullied on social media or at school, and make it possible for you all to spend time together as a family. To avoid using a phone as an alarm clock, try getting an old-fashioned one that only shows the time. This will help them to avoid picking up their phone to check the time and getting sucked into their notifications when they should be sleeping.
If even limiting screen time doesn’t work to improve your child’s sleep, make sure that your child’s bed is comfortable.No one wants to sleep somewhere uncomfortable when they don’t have to. You should also try talking to your pediatrician to see if they have any recommendations for your child.
With spring right around the corner, adding plants to your home is always a good idea. They’re a great way to brighten up any space and easy to match with any style and decor. Houseplants have incredible air purifying benefits and many varieties are known to help people with allergies – like the Marginata or Chinese Evergreen. With that in mind, I thought I’d share this beautiful yet easy DIY hanging planter from our friends at Shutterfly. Hang in your kitchen or living room for some added texture and color. You can even have your kids help decorate their own planter to hang in their room! All you need is some colorful paint, a paint brush, jute twine, scissors, a frame and your favorite potted plant to get you started.
In a survey of 1,000 small business owners, Valpak found some common themes between business owners. Out of those surveyed, 1 in 4 people considers money to be the biggest business obstacle. Secondly, the survey revealed that running a business doesn’t come easily to everyone. More women see a lack of knowledge on how to run a business as a challenge than men. For the full business hurdle survey results and actionable tips on overcoming small business challenges, check out the visual below.
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