The Canada Emergency Commercial Rent Assistance Program

I’m not sure if I read this correctly but if you look at the RENT FORGIVENESS section of the link below, you will see why many landlords are not opting to apply for the 75% Rent Forgiveness to help there commercial tenants.

Let me spell it out as I read it. To qualify and be eligible for CECRA (Rent Forgiveness), you need to have a mortgage loan secured by a commercial property. It has many other stipulations that could make you un-qualify and you need to enter into a well written agreement with your tenant, ensuring you have all the terms and conditions noted. It is very important to find out what these specifics are prior to entering into this Rent Forgiveness. (the link below will provide more information).

One major concern and what I am thinking if I understand it correctly is as follow:

Scenario: If I have a mortgage on a commercial property and I qualify meeting all the stipulations which will be difficult to meet in of it self, the calculations are below.

If my mortgage is $1500 and my tenant pays me $2700, I will not get 50% of the $2700 but 50% of the $1500 (my mortgage/cost). This equals to $750.

The way it looks like it has been positioned is 25% the tenant, 25% the landlord and 50% government assistance.

However this doesn’t seem to be the case based on my calculations below:
Tenant Pays 25% = $675 (25% of $2700)
Government Assist = $750 (50% of Mortgage payment)
Landlord Difference = $1275 ($2700 – $675 – $750)
(Looks like as a landlord it will cost us 47.25% almost 50% of our rental income.)
Based on this, the Landlord will be absorbing and losing 47.25% of the rental income. (See link below for details)

http://www.mondaq.com/canada/landlord-tenant–leases/930802/rent-relief-update–the-canada-emergency-commercial-rent-assistance-program

These five items in your kitchen could be sabotaging your ability to manage your weight and may be dangerous to your health.

I received this email and was giving a quick simple list. below are the excerpts. We all use these in our kitchens. Check them out:

1) Cookware. Are you using pots and pans with the nonstick coating? If so, you are subjecting yourself to what’s called persistent organic pollutants. These chemicals are not only tough on your body, but they are also hard to eliminate once they’re in your system. And because they get stuck in your body fat, they can cause you to gain weight. Just take a look at the recent documentary: The Devil We Know which showcases the decades-long Teflon chemical scandal and cover-up. Stick to stainless steel, cast-iron, ceramic and porcelain for your cookware and always avoid non-stick chemical coatings.

2) Tupperware. While it is convenient to throw your leftovers into Tupperware, it’s not the healthiest. Most Tupperware is made with the industrial chemical BPA. BPA is a known gut disruptor that research has shown can seep into your stored food. You already know how important it is to keep your gut happy in order to maintain your weight. I suggest using glass containers instead.

3) Dish Soap. Take a close look at the soap you are using at home. If it’s got the antibacterial ingredient triclosan, then it could be making you fat. According to a 2013 study published by Stanford University, people with higher levels of triclosan in their urine were more likely to have a higher body mass index. This is probably because antibacterial products destroy the good bacteria in your gut.

4) Microwave. This is another modern-day amenity that is causing us harm. Microwave ovens expose you to electromagnetic fields that scientists in China have reported can lead to fatigue and depression. These are two big hurdles if you’re trying to lose weight. On top of that, some researchers believe heating food in the microwave reduces its nutritional value. It may not be as quick and convenient, but using your stove could help you shed some pounds.

5) Tap Water. I hate to tell you this, but that water coming out of your kitchen sink is probably full of chemicals and toxins that will feed the bad bacteria in your gut. Tap water is also known to contain heavy metals like lead and it is chlorinated in order to eliminate dangerous bacteria, viruses, and parasites. To be sure you’re not introducing any of these gut disruptors into your body, make sure to filter your water before drinking.

Yours in Good Health, Dr. Vincent Pedre