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Canada Day
is an opportunity to gather in our communities, from coast to coast to coast, and to proudly celebrate all we have in common. It is an opportunity to celebrate our achievements, which were born in the audacious vision and shared values of our ancestors, and which are voiced in nearly all of the languages of the world through the contribution of new Canadians.
Canada Day is a time to celebrate the heritage passed down to us through the works of our authors, poets, artists and performers. It is a time to rejoice in the discoveries of our scientific researchers, in the success of our entrepreneurs, and to commemorate our history - a history in which each new chapter reveals itself to be more touching, more fascinating than the last.
As we look ahead, we have every reason to face the future with confidence and enthusiasm. |
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Your Child's Education Plan.
The first time you hold your child. Your child's first steps and first words. The first day of school. These are all signposts of a child growing up.
Can you see your child on the playground and imagine her graduating college or university? Looking forward, it's hard to imagine. Looking back it happens all too quickly.
Putting aside money toward post-secondary education today pays off later in many ways.
Every moment you delight in your child is a reminder how important their education will be. That little person dangling her legs on the swing ... is that a future doctor? Could be, if she wants and the money is there.
An RESP:
- Family: Ideal if you have 1 child or more.
- Individual (non-family): Ideal if you are not related to the child you are investing for.
- Group: Ideal if you can make regular payments throughout the term of the RESP.
For more information on RESP's please contact our office to speak with one of our associates to further discuss your needs.
There are 3 general types of RESP plans.
is a special savings plan (like a savings account) helps you, your family or friends to save early for a child's education after high school is registered by the Government of Canada allows savings for education after high school to grow tax-free and could also gain government money through the Canada Education Savings Grant and the Canada Learning Bond, if you qualify
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| A Message from the President: While I sit and enjoy this day! I can't help but feel sad in a way as I remember the loss of our world's King of pop (Michael Jackson) how does something like this happen on the heels of Anna Nicole Smith's death. Was he any less suseptiable to the stresses of life. Some say he may have died of a broken and lonely heart, how can this be...remember that although we are not all created equal we were all created with the same heart and how we use it is what will matter in the end!
Have a great Canada Day!
Frank Hanlon |
 Remember the days of baby oil for suntan lotion? How about those tinfoil reflector boards people used to harness every ray of sunshine?
And then there's a quote from the late Greek shipping tycoon Aristotle Onassis: "To be successful, keep looking tanned."
But we now know a lot more about the dangers of too much sun, such as premature skin damage and potential skin cancer risk.
We even know our sunscreen has to have a good level of sun protection factor, or SPF, to protect us from sunburn. But figuring out what that SPF level should be is getting increasingly confusing.
Until recently, we were told that SPF 30, if properly applied, was sufficient. But now, store shelves are stocked with sunscreens ranging from SPF 45 to 60. This summer, a couple of companies are even marketing SPF 70 in Canada.
When we checked store shelves, we discovered those bottles of sunscreen with higher SPFs can cost several dollars more than the same brand's lower SPF sunscreens.
So, is it worth spending more money for sunscreens with a higher SPF?
Is higher better?
"I think part of the ploy is marketing," says Vancouver dermatologist Dr. Jason Rivers. He says consumer are under the misconception that "high is better, more is better."
Sun safety tips:
Plan outdoor activities before 11 a.m. or after 4 p.m.
Cover up with loose-fitting clothes.
Don't forget a hat.
Put sunscreen on your ears, chin and neck.
Wear sunglasses with UVA and UVB protection.
Apply sunscreen generously 20 minutes before going outside.
(Source: Cancer Care Society)
Rivers says the improved protection from sunburn when using a sunscreen marked SPF 60 or 70 is minimal because an SPF 30 already blocks out most of the ultraviolet B radiation.
"If you double that number, you're only increasing that by a per cent or more," said Rivers.
A sunscreen with an SPF of 30 gives you 96.7 per cent protection from sunburn. Sunscreen with an SPF of 70 gives you 98.3 per cent protection.
And then there's the possibility that sunscreens with high SPF numbers give people a false sense of security in the sun.
"There is that potential," says Rivers. "Especially for younger individuals. There have been some studies that show using a higher SPF sunblock encourages people to stay out longer."
Keeping burn at bay
Rivers says the best protection is limiting your time in the sun and wearing protective clothing, including a wide-brimmed hat.
As for sunscreens, it's important to put enough on, especially if you are swimming or are sweating a lot.
~ CBC News Source
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