Articles - Lifestyles

Babies in a home to be protected

Babies and toddlers are curious creatures. Something captures their attention, a stuffed animal, a shiny object or a noisy rattle, and they're going after it.

Just make sure they aren't chasing a teddy bear on top of a dresser, the blade of a knife or a pill bottle.

Babyproofing is key to keeping children safe at home.

``Parents should realize that injuries are the leading cause of death in children over one year of age,'' and many are preventable, says Dr. Garry Gardner, chairman of the American Academy of Pediatrics' Committee on Injury, Violence, and Poison Prevention. The most common injuries are burns, cuts, bruises, and head and other injuries from falls, he says.

For generations, new parents made homes baby-ready themselves. These days, you can do it yourself, hire a professional or both. It's part of a larger trend toward more watchful, safety-conscious parenting.

``Using professionals saves time and gives peace of mind, but diligent parents are capable of babyproofing their own homes,'' says Shannon Choe, who offers home safety assessments as founder of Premier Baby Concierge in Berwyn, Pa. She says her clients are about evenly split.

New parents have some time before they need to babyproof, since newborns aren't going anywhere just yet. But time passes quickly. Experts recommend staying ahead of a baby's development by a milestone; for instance, blocking the top and bottom of the stairs before a child's on the move.

Eventually you'll need to lock up cleaning products, medicine and plastic bags, clear the house of choking and strangulation hazards (including the cords of drapes and blinds) and block access to dangerous areas, among other things.

Furniture or TVs that could topple should be anchored to the walls. Toddlers might use dresser drawers ``like stepladders,'' and an accident can happen in an instant, says Colleen Driscoll, executive director of the International Association for Child Safety, a professional organization for baby- and child-proofers that was founded in 1997.

Proofers may be called for a top-to-bottom job or just to install a single gate, she says.

``Most of our clients aren't very comfortable drilling holes in their own home and they usually have us do that,'' says proofer Jack Smith, founder of Dallas-area InfantHouse. ``Some of the lighter installation they can elect to do themselves.''

The babyproofing industry began about 20 years ago. Driscoll's association has about 110 childproofers as members in the United States, she says. It is launching a certification program, with the first certifications expected in 2011.

Professionals are familiar with safety products and can determine which ones are right for a home, saving parents multiple trips to the store, Driscoll says. Pros also can teach parents about dangers they might not think of.

``Children grow and develop very quickly, and sometimes parents are caught off guard in what they're capable of doing,'' Driscoll says. ``We want them to understand and be ahead of their children before they find the trouble.''

The cost of professional babyproofing varies. Smith charges US$100 for a room-by-room consultation and product recommendation, which clients receive whether they hire the company to do the installation or not.

To babyproof an entire 371 square metre (4,000-square-foot) house, the average size of his clients' homes, he says, he charges US$3,000 to US$4,000, while a single-storey ranch smaller than 186 square metres (2,000 square feet) would cost around US$800. The prices include products and installation.

To take on the task yourself, experts recommend the age-old trick of dropping to all fours and looking for hazards from a child's vantage. To learn what you're looking for, check online sources such as the academy's healthychildren.org, babyproofing checklists and do-it-yourself books.

``People say it's very easy if you have the right tools,'' says Debra Holtzman, author of ``The Safe Baby'' (Sentient Publications, revised edition 2009). ``It is overwhelming if you have no guidance.''

Her book offers chapters on nursery, kitchen and bathroom safety, and preventing falls. No matter who does the safety improvements, she urges parents to pay attention.

``If someone else does it for you and you're not involved, you may not have skills to do it later on,'' she said.

Parents should research products, and choose those certified by the Juvenile Products Manufacturing Association, Holtzman says.

Avoiding products recalled by the government is also important. Check recalls.gov or sign up on the site to be notified when recalls are issued, Holtzman says. And send back product registration cards to be notified of company recalls.

Once the home is proofed, don't put your feet up for long. Safety experts suggest reassessing periodically because the hazards change as a child grows.

``It's wonderful to watch them grow and learn ... but their own natural curiosity can do them in if you're not setting some boundaries,'' says Choe.

And gates, latches and locks are no substitute for a parent's watchful eye. As Holtzman cautions: ``No child safety device is 100 per cent perfect.''

 
Articles - Lifestyles

New Year's Party

Maybe it's because of cost, space or just overall effort, but many people prefer hosting a smaller New Year's Eve get-together rather than a grand affair. Still, they want to send off the old year in memorable style.

E-vites are a free, convenient way to get the word out. Web invitation sites let you track RSVPs, and provide a map with directions for your guests.

A traditional paper invite, however, is a nice touch. Make sure you're clear about details, including what will be served _ is it dinner or just appetizers? Dress up or just show up?

Matching your invitation to your party's style scheme, elegant, freewheeling or nostalgic cosy _ will set the tone. The invitation's a talisman that helps guests prepare for the evening.

Style at Home magazine's editor Christine O'Hanlon suggests picking a colour scheme for the party and sticking to it. Ikea's blue and white star dish and paper goods collection would suit a dressy or casual affair. Ballard Designs has some fun safari-print serving ware. Pier 1's colourful, striped glassware and candlesticks have a festive vibe.

Canadian interior designer Candice Olson, who is working on a new HGTV behind-the-design series, ``Candice Tells All,'' shares some easy, creative party ideas:

Switch it up: Turn the Christmas tree into a ``New Year's Eve Tree'' by removing the Santa and reindeer ornaments and replacing them with party favours, hats, streamers and colourful beads.

Time to party: ``Utilize a countdown theme, and play with numbers as decorating ideas,'' says Olson. ``Apply stick-on numbers to glasses (it's a good way to know whose glass is whose), serve number-cut cookies, and put adhesive numbers on pillar candles. Use an inexpensive roll of white art paper, cut to fit the length of your table. Stencil or paint oversize numbers down the centre for an eye-catching table display.'' She suggests setting out a group of vintage alarm clocks on a small table, all set to ring at midnight.

Keep things rolling: Small gatherings are more susceptible to lulls, so have fun things to do. A great icebreaking idea, says Olson, is to create your own low-tech photo booth with a digital camera and nearby printer, or instant cam. Set out a selection of fun props and accessories. Snap two of everything, so guests have a souvenir and you can create a post-party album.

O'Hanlon suggests icebreakers like trivia, word and board games. Add a little social competitiveness by offering a small prize, perhaps a DVD, or a gourmet gift card.

Use a side table, console or desk as a bar cart, unless you already have one. Keep libations simple, with a signature cocktail and a couple of drink pitchers, including alcohol-free.

Set up food buffet-style, with appetizer-size nibblers. A round table or two offers a great spot for noshers to gather if you prefer sitting to standing around.

To finish the evening, set out bowls of colourful candies, mints, cookies and mini desserts, along with little take-out containers. Guests can bring home a bit more party flavour to enjoy before the resolutions kick in on Jan. 1.

 

 
Articles - Lifestyles

Homeownership and Financial Fitness

Homeowners are in better shape than non-homeowners when it comes to financial fitness, according to a new survey of Canadians conducted by Genworth Financial Canada and the Canadian Association of Credit Counselling Services.

While most respondents (55%) say they are in good financial shape – up from 50% in 2007 – those who own homes score higher than those who don’t on two important measures of healthy household finances:

  • Debt repayment. A full 65% of homeowners pay off their credit card balances each month, compared with 48% of non-homeowners.
  • Ability to save. Some 44% of homeowners were able to pay all their bills and save some money in the past year, compared with 31% of non-homeowners.

Nearly one in four homeowners (23%) who have mortgages have also made a lump-sum payment or accelerated their mortgage payments in the past year, according to the survey. Women led the way, with 26% of them putting extra money toward their mortgage, compared with 21% of men.

“Homeownership helps people focus on their financial situation and get their fiscal house in order,” says Peter Vukanovich, President and Chief Operating Officer of Genworth Financial Canada.

Still room for improvement

The survey findings also suggest several areas for improvement – and potential opportunities for you to help clients take steps to manage their mortgage and improve their financial health.

“A mortgage is easier to manage when people have good personal finance skills,” says Henrietta Ross, Chief Executive Officer of the Canadian Association of Credit Counselling Services. Yet, in the Financial Fitness survey, only 11% of Canadians agree they are in “great” financial shape, on their way to achieving their financial goals, and 45% say they are not satisfied with their financial progress.

Be a fitness coach to your customers

As a lender, there are a number of exercises you could suggest that could encourage existing customers or prospective first-time home buyers to improve their financial fitness. They could:

  • Take advantage of opportunities to make a lump-sum payment or accelerate their mortgage payments.
  • Arrange for pre-approval. Just one in four first-time buyers sought pre-approval in the past year.
  • Check their credit rating. Just one in seven Canadians asked for and received their credit report in the past year.

Most important of all, encourage your customers to talk to their financial planner about saving and investing. Just three in 10 Canadians have done this, and consulting a professional advisor may help your customers discover they have more money available to save than they thought.

Build customers’ confidence

By sharing your expertise, along with strategies that can be implemented right away, you can enhance your customers’ confidence as well as their financial fitness. Homeownership builds financial security, with a goal to work toward: Remind your customers that 65% of the homeowners surveyed who had completely paid off their mortgage said they are in good financial shape. That’s a full 10% higher than the overall Canadian population.

Read more about the Financial Fitness survey here.

Source: Genworth Financial, Canada.

 
Articles - Lifestyles

 

Personal investment today can help you build financial security for the future.  It not only matters how much you invest, but also "how" you invest.  Many investors choose to handle their own investments instead of using a broker or adviser.  DIY personal investments can be just as profitable if you use the right techniques.  Here are some tips to invest your money wisely.

Investing Small Amounts

Whether you have $20 or $1,000, it makes no difference.  You can invest as little as $20 in some very big companies.  The key is to find companies that appear to be on the increase in their profits or those that are about to announce a new innovative product or service.  Some companies have been around a long time, and their stocks are always constant, though not always on the increase.  These are considered to be less risky than brand new ventures because you can always wait for stocks to go back up with stable companies.

You can invest a small amount and still realize a great return in the years to come.  You can also add to your investment little by little to improve your portfolio.  Keep in mind that you can choose to reinvest your dividends as well, which can grow your stocks even more.

Choosing Investments

Being choosy is a must when picking stocks in which to invest.  Subscribe to a few stock market or finance magazines.  Buy e-books on the subject.  You can't learn enough when it comes to investing.  Research the histories of companies and their long-term standing in the stock market.

Besides stocks, there are plenty of other ways to invest on your own.  You can invest in forex trading (foreign exchange currency market) with direct trading or an automatic forex account.  There are mutual funds, an investment which diversifies your money among many company stocks.  You can also invest in an IRA (individual retirement account) to save for the future.  For short-term investments, consider bonds, CDs and treasury bills (t-bills).  There are also money market accounts if you wish to earn a better interest rate through your banking accounts.

Personal Interests

Do-it-yourself investments don't always have to be monetary savings.  You can invest in coins, memorabilia, classic cars, gold/silver, antiques, ball cards, and other items that will increase in value over time.  This enables you to build something of value for the future while enjoying your favorite hobbies.

Create a do-it-yourself investing plan to start building your portfolio.  Consider having at least one counseling session with a financial adviser to get started on your journey to financial freedom.  Then you can be in control of your investments and change directions when necessary.

 
Articles - Lifestyles

 Wedding Planning

There's much more to planning a wedding than just fun and games.  It takes hard work and dedication to plan such a grand event.  And the bride is usually too busy thinking about her special day to do the actual planning.  This is why wedding planners are so popular.  They can step in and take over the difficult planning tasks so the bride doesn't have to worry herself with all the details.

Wedding planners are often called wedding coordinators or bridal consultants.  They can help negotiate and plan every aspect of the wedding.  Tasks include arranging for catering, decorating (or making arrangements for a decorator), coordinating bridesmaids and groomsmen to be sure each knows his or her position and dress needs.  A wedding planner can help with ordering the flowers, ordering invitations, choosing a photographer, organizing the reception, and coordinating with other vendors. 

Another good reason to hire a wedding planner is to help stay within budget.  Wedding planners are not emotionally involved.  Therefore, they can remain objective and adhere to a strict budget without impulse spending.  This can take a great deal of pressure off of the bride and her family (if her family is paying for the wedding).

Choosing a Wedding Planner

When selecting a wedding planner, realize that some planners only work part-time as a side job while others are more serious and are even certified as a wedding planner.  Certified wedding planners have been through special training to learn how to properly plan a wedding.  The only drawback is a certified planner will likely charge a lot more.  Consider what you can afford and how complicated you feel the planning task will be.  If you're on limited budget, you might want to get recommendations from friends and family for a non-certified wedding planner.

Check online or in local phone directories to find a wedding planner near you.  Have a list of questions ready when you meet with the planner and be sure you understand exactly how much the services will cost (from start to finish).  Ask for references to check and make sure their work was satisfactory with other clients.

Making plans for your wedding can be stress-free if you choose the right wedding planner.  It can also eliminate possible strife among family and friends if there are disagreements in how things should be done.  It's sometimes best to have an objective person to do all the planning so you can simply enjoy your special day!

 
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