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Lost everything in a fire?
This can happen to you and affect your family?
Do you have documents stored in your home in a safe place. In a fire you can loose everything. You should protect yourself and your family.
https://www.usatoday.com/media/cinematic/video/3863563002/third-graders-help-classmate-who-lost-everything-in-fire/
How do you keep it documented? How do you keep it safe?
Well you can at theripregistry.com.
Watch this short video.
http://theripregistry.org/RIP_-_Collage_June_29_-_FOR_REVIEW.mp4
Register at theRIPregistry.ca
Ontario New Home Warranty
check out twitter@theripregistry and facebook@theripregistry for more
Did you know? A Cup of Java!
Caffeine Uses, Side Effects, Interactions and Dosing….
Overview Information
Caffeine is a chemical found in coffee, tea, cola, guarana, mate, and other products.
Caffeine is most commonly used to improve mental alertness, but it has many other uses. Caffeine is used by mouth or rectally in combination with painkillers (such as aspirin and acetaminophen) and a chemical called ergotamine for treating migraine headaches. It is also used with painkillers for simple headaches and preventing and treating headaches after epidural anesthesia.
Some people use caffeine by mouth for asthma, gallbladder disease, attention deficit-hyperactivity disorder (ADHD), obsessive-compulsive disorder (OCD), low oxygen levels in the blood due to exercise, Parkinson’s disease, memory, cramping, liver cirrhosis, Hepatitis C, stroke, recovery after surgery, decreasing pain, muscle soreness from exercise, age-related mental impairment, shortness of breath in newborns, and low blood pressure. Caffeine is also used for weight loss and type 2 diabetes. Very high doses are used, often in combination with ephedrine, as an alternative to illegal stimulants.
Caffeine is one of the most commonly used stimulants among athletes. Taking caffeine, within limits, is allowed by the National Collegiate Athletic Association (NCAA). Urine concentrations over 15 mcg/mL are prohibited. It takes most people about 8 cups of coffee providing 100 mg/cup to reach this urine concentration.
Some caffeine products are sold in very concentrated or pure forms. These products are a health concern. People can easily use these products in doses that are much too high by mistake. This can lead to death. As of 2018, the U.S. Food and Drug Administration (FDA) considers it unlawful for these products to be sold to consumers in bulk.
Caffeine creams are applied to the skin to reduce redness and itching in dermatitis.
Healthcare providers sometimes give caffeine intravenously (by IV) for headache after epidural anesthesia, breathing problems in newborns, and to increase urine flow.
In foods, caffeine is used as an ingredient in soft drinks, energy drinks, and other beverages.
People with voice disorders, singers, and other voice professionals are often advised against using caffeine. However, until recently, this recommendation was based only on hearsay. Now developing research seems to indicate that caffeine may actually harm voice quality. But further study is necessary to confirm these early findings.
READ MORE caffeine
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Take care of your legacy , incase you become disabled or unable to advocate for yourself.
Sign Up Now… It’s Your Legacy and It’s Free!
Have questions? visit theripregistry.ca
Are you Vaping? Do you know someone who is?
More and More we are hearing about deaths due to possible Vaping and E-Cigarettes. You must see this article.
Pass it on.
Its in the news, on TV programs (Dr. Oz, Dr Phil etc.). Everyone is talking about it.
Is Vaping Safer than Smoking Cigarettes?
Laura Gottschalk, PhD, John-Anthony Fraga, Jared Hirschfield, Diana Zuckerman, PhD, National Center for Health Research
Electronic cigarettes, or e-cigarettes, are being marketed as the “safe” new alternative to conventional cigarettes. By September 10, 2019, reports of six deaths and more than 450 possible cases of serious lung injuries related to vaping have made it clear that vaping can be even more dangerous than smoking.[23] Many of the patients report vaping marijuana products or marijuana and nicotine products, but others only vaped nicotine products. Based on what they know so far, doctors believe that the cause is chemical, not bacterial. But until these reports of hospitalized teens and adults are scrutinized in greater depth, we won’t know what types of vaping are most dangerous and under what circumstances.
E-cigarettes come in a variety of forms and include vape mods, Juuls, and vape pens. There are brand name products (Juul is the most widely used) and “home-made” versions. Some contain high levels of nicotine, while others contain marijuana or just contain flavoring. The focus of this article is on e-cigarettes because most of the research that exists has been done on them, but much of the information below is relevant to these other products as well.
The big questions are: Are they safe? Will they reverse the decline in smoking—giving new life to an old habit—or can they help people quit smoking? Here is what you need to know.
What are E-cigarettes?
E-cigarettes are battery-operated devices that were initially shaped like cigarettes, but now include vape mods, Juuls, and vape pens. The brand-name products contain nicotine, an addictive drug that stimulates, relaxes, and is naturally found in tobacco. It is the nicotine in cigarettes that makes smoking so addictive, and the same is true for most vaping and juuling. These electronic products allow nicotine to be inhaled, and they work by heating a liquid cartridge containing nicotine, flavors, and other chemicals into a vapor. Because e-cigarettes heat a liquid instead of tobacco, what is released is considered smokeless.[1]
Is Vaping Safer than Smoking Traditional Cigarettes?
The key difference between traditional cigarettes and e-cigarettes and related products is that the latter don’t contain tobacco. But, it isn’t just the tobacco in cigarettes that causes cancer and other serious diseases. Traditional cigarettes contain a laundry list of chemicals that are proven harmful, and e-cigarettes have some of these same chemicals.
While smoking can cause lung cancer, breast cancer, emphysema, heart disease, and other serious diseases, those diseases usually develop after decades of smoking. In contrast, in 2019 it became clear that vaping could cause seizures and serious lung damage after just a year, possibly less, based on CDC reports of almost 200 patients hospitalized for lung damage apparently caused by vaping.[2],[3] While there have been warnings about the possible risk of e-cigarettes for a decade, it was not expected that they could cause such severe damage in such a short period of time.
Since 2009, FDA has pointed out that e-cigarettes contain “detectable levels of known carcinogens and toxic chemicals to which users could be exposed.” For example, in e-cigarette cartridges marketed as “tobacco-free,” the FDA detected a toxic compound found in antifreeze, tobacco-specific compounds that have been shown to cause cancer in humans, and other toxic tobacco-specific impurities.[4] Another study looked at 42 of these liquid cartridges and determined that they contained formaldehyde, a chemical known to cause cancer in humans.[5] Formaldehyde was found in several of the cartridges at levels much higher than the maximum EPA recommends for humans. In 2017, a study published in the Public Library of Science Journal showed that significant levels of benzene, a well-known carcinogen, were found in the vapor produced by several popular brands of e-cigarettes. [6]
The body’s reaction to many of the chemicals in traditional cigarette smoke causes long-lasting inflammation, which in turn leads to chronic diseases like bronchitis, emphysema, and heart disease.[7] Since e-cigarettes also contain many of the same toxic chemicals, there is no reason to believe that they will significantly reduce the risks for these diseases.
In fact, a preliminary study presented at the 2018 annual meeting of the American Chemical Society found that vaping could damage DNA [8]. The study examined the saliva of 5 adults before and after a 15-minute vaping session. The saliva had an increase in potentially dangerous chemicals, such as formaldehyde and acrolein. Acrolein has been proven to be associated with DNA damage, for example, and DNA damage can eventually cause cancer. [9]
A study of mice funded by the National Institutes of Health found that e-cigarette smoke could cause mutations in DNA that could increase the risk of cancer. These specific mutations have been shown to potentially contribute to the development of lung and bladder cancer in mice exposed to electronic cigarette smoke. The researchers claim that these chemicals could also induce mutations leading to cancer in humans. Although mice studies aren’t always relevant to human health, this study seems to confirm the studies of human health and e-cigarettes. [10]
Because they are smokeless, many incorrectly assume that e-cigarettes are safer for non-smokers and the environment than traditional cigarettes. However, a study published in the International Journal of Hygiene and Environmental Health found that the use of e-cigarettes results in increased concentrations of volatile organic compounds (VOCs) and airborne particles, both of which are potentially harmful when inhaled.[11] Although e-cigarette vapor may not result in the obvious smell and visible smoke of traditional cigarettes, it still has a negative impact on air quality, especially when vaping indoors.
There are no long-term studies to back up claims that the vapor from e-cigarettes is less harmful than conventional smoke. Cancer takes years to develop, and e-cigarettes were only very recently introduced to the United States. It is almost impossible to determine if a product increases a person’s risk of cancer or not until the product has been around for at least 15-20 years. Despite positive reviews from e-cigarette users who enjoy being able to smoke them where regular cigarettes are prohibited, very little is known about their safety and long-term health effects.
There is also danger from e-cigarettes exploding in the user’s mouth or face. Last year, the British Medical Journal used data from several agencies to estimate that there were roughly 2,035 e-cigarette explosion and burn injuries in the U.S. just in a three-year period from 2015 to 2017. One of the authors of the study stated that the number was likely higher as such incidents were not well tracked. The report also said that e-cigarettes, commonly powered by a lithium-ion battery, could overheat to the point of catching fire or exploding, a phenomenon known as “thermal runway”.[12]
For more see link below
Looking to buy a property?
MAY 09, 2019
Do you need mortgage insurance?
By Helen Burnett-Nichols
Your home is likely the biggest asset you’ll ever own. So how can you protect it in case something were to happen to you?
Canadians owe $2.17 trillion in household debt, according to the Bank of Canada. More than 70% of that is residential mortgage debt. To protect these mortgages, homeowners have a couple of options. You can buy mortgage insurance from a financial institution. Or you can get mortgage protection with life insurance and critical illness insurance from an insurance company.
- Mortgage insurance works by paying off the outstanding principal balance of your mortgage, up to a certain amount, if you die.
- Mortgage protection, on the other hand, uses a combination of insurance policies to protect you:
- Term life insurancecovers you for a set period, such as 10, 15, 20 or 30 years. It can be suitable if you’re looking for low-cost insurance. While the premium may be low for the first term, the cost will increase when it’s time to renew. Buying coverage for a long enough term to match your mortgage term – 30 years, for example – will keep the cost steady. (Read more: Is term life insurance right for you?)
- Permanent life insurancecan be more expensive at first, but it covers you for life. The amount you pay can either be guaranteed to stay the same or vary over time, depending on the type of plan you choose. (Read more: Is permanent life insurance right for you?)
- Critical illness insurance gives you a one-time payment if you are diagnosed with a serious illness that’s covered under the policy (and you meet the other policy conditions). You can use the money for medical expenses, to pay off your mortgage or for anything else you wish – it’s up to you. (Find out how a serious illness could affect your finances. Try this Critical illness insurance calculator.
Key differences between mortgage insurance and mortgage protection with life insurance and critical illness insurance
The main difference with mortgage insurance is that the payment goes to the lender. The amount you’re covered for declines as your mortgage balance declines. With mortgage protection, critical illness insurance gives you a one-time payment you can use for your mortgage or other expenses as you choose. And life insurance pays a tax-free amount to your chosen beneficiary (the person who receives the benefit) when you die. The payment can cover more than just the mortgage. The beneficiary may use the money for any purpose.
Beneficiary. With mortgage insurance, the money goes to the lender. With critical illness insurance, the money goes to you. With life insurance, it goes to whomever you name as the beneficiary.
Portability. If you change mortgage providers, your mortgage insurance doesn’t automatically move with you. If you move your mortgage to another lender, you’ll have to prove that your health is still good. You’ll also pay the mortgage interest rate the new mortgage provider offers. With life and critical illness insurance, you can take your policy with you if you transfer your mortgage to another company. There’s no need to re-apply or prove your health is good enough to be insured.
Flexibility. With mortgage insurance through a lender, your needs may change over time. But you don’t have the flexibility to change your coverage. With mortgage protection, you can convert term life insurance and term critical illness insurance plans into permanent plans later on.
Chemical found in toothpaste, soap may double women’s chances of osteoporosis
https://nypost.com/2019/06/25/chemical-found-in-toothpaste-soap-may-double-womens-chances-of-osteoporosis/?utm_source=email_sitebuttons&utm_medium=site%20buttons&utm_campaign=site%20buttons
OWN A HOME? Do you pay your mortgage down or contribute to your RRSP?
What do you do? Find out more. Check out this calculator.
https://www.sunware.ca/illustrations/savings.aspx?isRecalc=N&selectedLanguage=en-CA
Student Forgiveness Loans!
I FOUND THIS SITE AND THOUGHT IT MIGHT BE OF INTEREST TO MANY OF US… FIND OUT HOW TO GET STUDENT LOAN FORGIVENESS. A MUST READ!
YOUR GUIDE TO CANADA STUDENT LOAN FORGIVENESS
See below for credits
Student loan debt is a big problem in Canada, and it’s not going away any time soon. The average new graduate is carrying $28,000 in student loan debt. Pair that with high housing costs and low wages, and it’s no surprise that most millennials are putting off major life milestones because they simply can’t afford it.
There is a small glimmer of hope for those struggling with provincial and federal student loans, and it comes in the form of student loan forgiveness. I took advantage of New Brunswick student loan forgiveness when I wiped out $16,000 of my $42,000 in student loan debt. Without that loan forgiveness program and others like it, there’s no way I could have paid off $38,000 in two years.
If you’re one of the many young Canadians dealing with high student loan debt, I’ve put together a list of possible resources for you to tap to reduce your debt burden. Before you jump to your province and start going click happy, there are a few things you should know:
First, most of these programs are only for publicly funded student loans. If you have loans through a private lender, skip to the bottom of this blog post for additional resources.
Second, every province has a repayment assistance program (RAP). A RAP is there if you can’t make your minimum student loan payments. It’s not student loan forgiveness, it’s just there to help you if you are having trouble earning enough money to make your minimum payments. I’ve listed a few of them below.
Finally, some of these programs are applied to your loan automatically and some aren’t. Read the fine print on every website and mark the due dates on your calendar so you don’t miss out on your chance to reduce your student loans just because you didn’t get your application in quickly enough.
Enjoy!
FEDERAL CANADA STUDENT LOAN FORGIVENESS
Canada Repayment Assistance Plan (RAP)
The Canada RAP program is useful for university graduates who are having trouble paying their student loans back. The program makes it easier to manage your student loans by reducing the amount you have to pay each month or eliminating all together.
Canada Student Loan Forgiveness for Doctors and Nurses
If you’re a doctor or a nurse you can qualify for loan forgiveness for your Canada student loans by working in a remote or rural area. If you are a doctor, you could qualify for up to $40,000 in loan forgiveness over five years ($8,000 per year). If you’re a nurse you could qualify for up to $20,000 in Canada student loan forgiveness over five years ($4,000 per year).
BRITISH COLUMBIA STUDENT LOAN FORGIVENESS
Full-time students who successfully complete a year of studies may have the B.C. portion of their B.C.-Canada student loan debt reduced. There is not need to apply for this grant, you are automatically considered if you have a B.C.-Canada student loan.
B.C. Completion Grant for Graduates
A $500 grant for graduates from an undergraduate program. You must have a B.C. student loan and you must apply within one year of graduation.
Recent graduates in select in-demand occupations can have their B.C. student loans forgiven by agreeing to work at publicly funded health care facilities in underserved communities in B.C., or working with children in occupations where there is an identified shortage in B.C.
Pacific Leaders Loan Forgiveness Program
This program forgives outstanding B.C. student loan debt at a rate of one third per year. If you continue to work for the B.C. Public Service for three years, your B.C. student loan will be paid off in full.
ALBERTA STUDENT LOAN FORGIVENESS
Alberta Repayment Assistance Program (RAP)
Similar to the Canada RAP program, the Alberta RAP helps graduates who are struggling to make their monthly payments. This program reduces or eliminates your student loan payments. You have to reapply every six months.
SASKATCHEWAN STUDENT LOAN FORGIVENESS
Saskatchewan Repayment Assistance Program (RAP)
Saskatchewan also has a repayment assistance program if you are having trouble making your monthly payments. This program limits your monthly payments to no more than 20% of your gross income.
The Graduate Retention Program provides Saskatchewan income tax credits of up to $20,000 for tuition fees paid by graduates who live in Saskatchewan. To be eligible you need to live and file your income tax return in Saskatchewan. The tax credits are non-refundable.
Loan Forgiveness for Nurses and Nurse Practitioners
This program encourages nurses and nurse practitioners to work in rural and remote communities. You can use this program to receive $4,000 per year up to a maximum of $20,000. You must have a Saskatchewan student loan to qualify.
MANITOBA STUDENT LOAN FORGIVENESS
Repayment Assistance Program (RAP)
Surprise! Manitoba also has a repayment assistance program.
ONTARIO STUDENT LOAN FORGIVENESS
There are 12 grants and bursaries available to students with Ontario student loans. Most of them only apply to you if you are currently a student. You must have Ontario student loans to qualify.
QUEBEC STUDENT LOAN FORGIVENESS
A version of RAP, the deferred payment plan allows you to pay back your student loans in accordance with your income. The deferred payment plan can be applied to a variety of financial institutions, not just provincial student loans.
NOVA SCOTIA STUDENT LOAN FORGIVENESS
0% Interest on Nova Scotia Student Loans
If you live in Nova Scotia, filed your income tax in Nova Scotia and have Nova Scotia student loans since 2007, you can apply for 0% interest on the provincial portion of your student loans. Your monthly payment will remain the same but 100% of your payment will go to your loan principal.
Nova Scotia Student Loan Forgiveness Program
This program is for Nova Scotia student loans (not federal student loans) issued after August 2015. You must be a Nova Scotia resident obtaining a four-year degree at a Nova Scotia university to qualify. You are automatically assessed for this forgiveness program, which can forgive up to 100% of your Nova Scotia student loan.
The debt cap program applies to students who received Nova Scotia student loans between August 1st, 2011 and July 31st, 2015. Anyone who obtained a four-year undergraduate degree qualifies. You are automatically assessed for this program when you graduate. You could have up to 100% of your Nova Scotia student loans forgiven.
Anyone who received student loans between August 1, 2003 and July 31, 2008 can apply for Nova Scotia’s debt reduction program. You must have successfully graduated from your degree program to apply.
NEW BRUNSWICK STUDENT LOAN FORGIVENESS
The timely completion benefit is available for students with New Brunswick student loans who graduated from a four-year undergraduate program after August 1, 2009. You must have a total federal and provincial student loan amount totaling more than $32,000 and you must apply within seven months of graduation.
PRINCE EDWARD ISLAND STUDENT LOAN FORGIVENESS
Receive up to $2,000 per year of study, as long as you take out at least $6,000 per year in student loans. You must have PEI and Canada student loans to qualify and you must apply within 60 days of your last day of class.
NEWFOUNDLAND STUDENT LOAN FORGIVENESS
Newfoundland and Labrador Debt Reduction Grant
With the elimination of the Newfoundland Student Loan, all financial assistance from the province is in the form of a non-repayable NL Student Grant effective August 1, 2015. If you receive provincial funding after August 1, 2015 you will be automatically assessed for this grant.
This may not be an exhaustive list. If you know of other programs that aren’t listed here, or if any of these programs have expired, I encourage you to email me and let me know so I can keep this list up to date.
If you’ve already applied for all of the grants you qualify for and you still have student loan debt left (as I did), the next step is to pay it off. I encourage you to use my debt repayment spreadsheet to find out how quickly you can pay off your debt.
Most of the programs listed above are only available for federal and provincial student loans. If you have your student loans with a private lender, you won’t be able to use the programs above. If that is the case, consider looking into student loan refinancing as a possible way lower your interest rate and pay off your debt quicker.
posted March 9, 2016 from https://myalternatelife.com/canada-student-loan-forgiveness/
OHIP+ Coverage For Ontarians Under 25 Is Officially Changed April 1st
Ontario’s OHIP+ drug coverage is about to change for residents under 25 years old.
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