If you smoke and are looking to buy life insurance in Canada, you can expect to pay a much higher premium than a non-smoker does. On term policies, the premiums can be more than double, and on permanent plans, the difference in rates is less pronounced. The insurance definition of a smoker is a male or female who uses nicotine, including cigarettes, cigars, chewing tobacco, a nicotine patch, or nicotine gum. Remember that to qualify for preferred rates, the insurance company can look back up to 12 months. Rates can be up to double for smokers on term plans, but only about 25% higher on permanent plans.
Community News
Community Profile: Kelburn Estates
Kelburn Estates Mental Health & Addictions Recovery Centre is a private residential wellness centre on 45 beautiful acres along the red river, here in Manitoba. We pride ourselves in providing confidential and multi-disciplinary expertise for our guests to reclaim, develop, and sustain a meaningful life. A life free from the destructive mental health disease and related substance abuse. Our mission is to create and maintain a lasting relationship with our guests, families, and community service providers. At Kelburn Estates, we will walk with you on your journey to recovery.
Smoking & Your Life Insurance Policy
If you smoke and are looking to buy life insurance in Canada, you can expect to pay a much higher premium than a non-smoker does. On term policies, the premiums can be more than double, and on permanent plans, the difference in rates is less pronounced. The insurance definition of a smoker is a male or female who uses nicotine, including cigarettes, cigars, chewing tobacco, a nicotine patch, or nicotine gum. Remember that to qualify for preferred rates, the insurance company can look back up to 12 months. Rates can be up to double for smokers on term plans, but only about 25% higher on permanent plans.
Preparing for Tax Season
Spring – that magical time when the days become longer, snow starts to disappear, and we file our taxes! Whether you work with an accountant or self-file, being prepared can alleviate much of the stress associated with tax season. Using a checklist that outlines income, identifies deductions, and determines other relevant transactions will be helpful in getting you organized and reducing the burden of filing your taxes. Ask your accountant how to better prepare this year, so you can get back to enjoying the spring season.
Cold Weather + Canadians = Fun!
When the temperature drops, our Canadian winters can sometimes feel never-ending. While it’s tempting to hibernate with cozy blankets and books for weeks on end, Canadian winters shouldn’t deter you from regular outdoor activity. The key is to prepare, and know what to watch for to stay warm and safe. This is especially true for small children, as they get cold faster than adults do. Google terms like frost bite prevention, hypothermia, wind chill, and winter dressing for ideas on how to stay safe while playing outdoors.
Community Profile
The Red Deer Doula Association (RDDA) is a non-profit organization formed to provide information to the public and expectant parents in central Alberta about their labour and postpartum support doula options, while operating as a network and support group for fellow doulas. RDDA doulas are trained and committed to helping couples have the type of birth they desire. They provide emotional support, physical comfort measures, and encouragement during labour, delivery, and beyond. RDDA doulas are a wealth of information, education, and understanding, plus mentoring, peer support, and personal growth.
Run Red Deer Race Series
Explore the city of Red Deer one pathway at a time! The Run Red Deer Race Series consists of three events – April 21, June 30, and October 27 – open to all ages and abilities. Chip timing and low fees, a great way to stay motivated all year long. Register for one or get all three with a series package and save! Run Red Deer Race Series, Series.RunRedDeer.com
Weekend Escapade at the KWNC
Exciting NEW weekend program starting March 3! Day 1 – craft and interactive show and tell, Day 2 – guided outdoor activity. Games, walk n’ talks, critters, rock hounding, snowshoes, space science, and more! All ages welcome. Suggested $2/person/day. Drop-in program from 1 to 4 p.m. Saturdays and Sundays, some exceptions (e.g., Easter Sunday event). Call 403-346-2010, ext. 111 for more info.
March Break Day Camp at KWNC
School-aged children can join an interpreter for a week of nature-based fun, both indoors and out! Monday, March 29 to Thursday, March 29, 2018, 9:00 a.m. to 4:00 p.m. Cost: $45/day/child or $160 for the week. Early drop off/late pick up available for an extra $5/day. Call 403-346-2010 or visit www.WaskasooPark.ca to register or for more info.
Combining Massage and Yoga
Yoga and massage aren’t the only ways to relieve stress and reduce pain. But when combined, they make the perfect combination for your health. Yoga classes and massage therapy are tailored to fit your personal needs. Depending on your schedule and desired results, you may want to enjoy a massage before or after a yoga session. Schedule your massage prior to attending yoga class to warm up and stretch your muscles. If you’re looking for a more relaxing experience, schedule your massage for after a yoga session, when you have more leisure time and can relax your mind, and possibly even drift off peacefully.
Connecting with Trees
“Nature Speak” by Ted Andrews provides a great resource in connecting with nature spirits through trees. A 40-foot tree releases 60 cubic feet of pure oxygen every day. Trees provide shelter for animals, and their roots provide a doorway to the faerie realm, giving us the opportunity to communicate with them. Find a favourite tree or plant a new one, nurture it, talk to it, and touch it. Quietly listen and look. Eventually, you will see tree spirits. Their magical attributes will tell you what you need to know on your life journey.
