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  • Tips for Successful Carpooling this September
    will take turns If you re sharing driving duties rotate weekly or daily as you see fit and decide upon a system for compensation A fair compensation rate for gas will depend on the distance being driven and the type of car being driven Use CAA s Driving Cost Calulator tool to determine your total cost per kilometer then decide on a number that all parties feel comfortable with Locate a convenient meeting point If you re not picking up riders at each of their houses or it s more convenient to meet at a central location such as city square or coffee shop agree upon the best point and time for your group to meet The Ministry of Transportation Ontario provides free carpool parking lots near dozens of highway interchanges throughout the province These are ideal places to meet up with your prearranged partners before entering the highway and are free for anyone to use Sharing cars Notify your insurance provider If sharing vehicles with any other drivers is a possibility within your group be sure to contact your insurance provider to make your coverage sufficient Our Trouble Free Option includes civil liability coverage which will protect you in the event of damage to a vehicle you have borrowed or rented Starting a carpool To start a carpool at work put a map of your area in the staff or lunch room and ask interested colleagues to write their name and contact information on a Post It fix the note to the map with a push pin to the area in which they live Contact those interested to determine your arrangements To start a carpool at your kid s school first check with the school administration office to find out if your kid s school already has a carpooling

    Original URL path: http://dgidirect.ca/car-tips/tips-successful-carpooling-september/ (2016-05-01)
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  • Avoid these 6 Common Window Caulking Mistakes
    apply a caulk remover gel Leave it on 2 3 hours to loosen caulk before scraping Then clean the surface with a household cleaner or rubbing alcohol and ensure the surface is clean and dry before caulking Hint to find out if you ve missed any cracks try the incense test Hold a smouldering stick of incense against the edges of a window If there s a draft the smoke will be blown out horizontally If not it will rise as normal 3 Not using the right applicator The cartridge of caulk you buy from the hardware store isn t designed to double as a tool for direct application You ll need a good quality caulking gun to dispense it properly When shopping or a caulk gun look for a model that has a comfortable grip and a smooth plunger rod Inexpensive guns that use a racheting plunger tend to apply caulk unevenly making the job look messy Cut the nozzle of the caulk cartridge to your desired bead size pierce the inside seal then insert into the caulking gun Seal cracks with caulk at an even consistent pressure holding the gun at a 45 degree angle 4 Applying too much product If the crack you re sealing exceeds 1 2 inch wide or 1 2 inch deep don t be tempted to simply add more caulk Instead fill the gap with a backer rod a small segment of foam rope to fill the gap before caulking over 5 Skipping tooling Tooling is the process of smoothing out caulk after it s been applied This important step ensures your job is effective and looks neat and professional Your hands are often the best tool to use for this process After applying a bead of caulk run your finger along the

    Original URL path: http://dgidirect.ca/home-tips/avoid-10-common-window-caulking-mistakes/ (2016-05-01)
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  • This Sunday is Grandparents Day! How Will You Show you Care?
    planning in Ontario Set up powers of attorney Everyone not only the elderly is at risk of having an accident that could interfere with our ability to make decisions Setting up powers of attorney one for property and one for personal care means choosing a person who will act on your behalf in the event that you can t Like a will a power of attorney must be chosen carefully so your wishes are carried out according to plan if you re unable to act for yourself A power of attorney should be trustworthy responsible and will have the time to act if the need arises Help avoid financial exploitation Financial exploitation the improper use of money or property of another person occurs too frequently among the elderly since they are often most vulnerable Victims can experience significant physical and psychological impacts There are steps you can take to help reduce the risk of a loved one being affected by financial exploitation Stay in close contact and be prepared to discuss the choice of the person who will be responsible for their finances in the event of incapacity Desjardin s program to help seniors is there to help detect and address abuse situations experienced by elderly persons who fall victim The program provides a bridge between victims and support organizations always with the strictest confidence Be aware of phone scams Scams that aren t directly linked to finances are no less harmful than financial exploitation Phone scams targeting seniors attempt to manipulate emotions to gain access to bank account information or other private information Advise your loved one to never transfer money by phone confirm any questionable information they receive with a family member before taking action and asking personal questions of the caller if they suspect it isn t

    Original URL path: http://dgidirect.ca/general-tips/grandparents-day-show-care/ (2016-05-01)
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  • Quick & Easy DIY Car Rust Repair
    applying paint If sanding between coats use a fine grit sandpaper and damp cloth to remove dust before applying the next coat Step 4 Paint To select your shade get in touch with the original car paint suppliers or recruit the help of expert car paint suppliers Apply paint as you did primer in thin even coats to avoid risking dripping Paint in a well ventilated area as paint fumes can be noxious Apply extra protection patch holes If the area beneath a rust bubble goes deeper than you assumed a heavy duty anti rust primer or can be applied to provide an extra layer of protection beneath your paint job If the rust has caused a hole in the metal look for hole repair kit at your local hardware store which will contain everything you need Adhesive body patches wire meshing or plastic sheeting are all options for filling holes and providing support for filler pastes which allow you to cover and shape the area to the contour of your car To fill a hole sand the area of the damage and tap with a body hammer Apply your wire meshing or plastic sheeting then add layers of paste filler with a scraping tool to slightly higher than the surrounding surface Dry completely to harden then sand with fine grit sandpaper Prime and paint as instructed in steps 3 4 To finish wash the entire car with a mild soap and apply a light coat of wax after 48 hours Prevent rust The best way to prevent rust from forming is to keep your car clean How often you wash will depend on how often you drive the condition of the roads you drive on and time of year Give your vehicle a thorough detailing twice per year and

    Original URL path: http://dgidirect.ca/car-tips/quick-easy-diy-car-rust-repair/ (2016-05-01)
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  • Student Budget Planner for First Year University
    and budget Sticking to your budget can be easy when you equip yourself with the solutions to manage your everyday transactions right Open an account that caters to your specific needs Our offering of Youth and Student Accounts are specifically designed to help students save money at a better interest rate cover your account in the event of insufficient funds and many other benefits Find out which account and plan best suits your needs using our account and plan selector tool Start building your credit While credit cards may seem like something to be wary of for students looking to steer clear of debt they offer a great opportunity to build your credit for the future Choose a card designed for students so managing your debt and making payments in a timely manner is possible Our For Students Only card offers a low interest rate no annual fees 3 day travel insurance at no charge and many more benefits for students on a budget Hold yourself accountable To stick to your budget make sure you hold yourself accountable Like most personal goals commiting to a thrifty lifestyle with a friend or room mate can make it easier Downloading an app can also be a great way to hold yourself accountable Our new instant savings tool for your mobile device Hop n S ave allows you to transfer money check the balance of your source account and savings goal and see your savings progress and percentage from anywhere anytime Making your budget easy to follow and easy to access increases the likehood it will be successful Troubleshoot Running into problems Refer to these 5 common reasons some budgets won t work from missing expenses to losing track of your daily spending and their quick fixes As a full time college or

    Original URL path: http://dgidirect.ca/general-tips/student-budget-planner-first-year-university/ (2016-05-01)
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  • Your Step-By-Step Checklist for Moving
    durable speciality bins Organize school records If necessary notify your children s schools of your move and contact new schools for enrolment information One month before Start packing and labelling Begin packing items you won t need such as seasonal items and speciality kitchen equipment The best places to start are the basement attic closets and shed Clearly label and number each box and write down the room it belongs in Take inventory of valuables in a binder to ensure nothing is lost in the move Transfer medical records Arrange for medical and dental records to be send to any new health care providers or get copies yourself Ask your current physician for referrals If you have pets transfer their vet records Notify important parties Alert your bank home insurance provider the human resource department at your place of employment and any newspapers you subscribe to Alert utility companies so they can disconnect your service the day after you move and contact your internet service provider to find out how many days notice cancellation requires Choose your mover and confirm arrangements Measure the dimensions of any large pieces of furniture 2 weeks before Refill any prescriptions your family may need for the next couple weeks Arrange to be off work the day of your move Begin using up frozen goods 1 week before Pack suitcases with everything you ll need for a few days after your moving date Double check to make sure all utilities are arranged for disconnection Have your new utilities service activated several days before you arrive at your new house Moving day After the movers have finished take a final tour of your property to ensure nothing is left behind Lock your windows and front and back doors and turn off all lights Buying a property

    Original URL path: http://dgidirect.ca/home-tips/your-checklist-for-moving/ (2016-05-01)
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  • Checklist for Starting a Business in Ontario
    define your project Before you decide on a budget and draw up a business plan you will need to clarify your project Decide on which products or services you want to sell your target demographic your competitors and what makes you unique from them The more specific your answers the better Next assess your sales potential by asking yourself the following quantitative questions how many potential customers are you likely to have How many competitors are there What approximate market share would your company have compared to your competition 4 Decide on a budget No matter how small your budget with the right planning and assistance your dream of owning a business can be realized First determine your start up costs including everything you ll need to run your business Add the amount of working capital you ll need to operate your business Next subtract the amount you have to invest keeping in mind that your investment may need to extend over the first few years The total will give you an idea of your approximate financing needs Making a wrong estimate in your budget can lead to big mistakes down the road Seek the right help with establishing your budget Desjardins offers the help of an account manager who can recommend the financing products that are right for your business 5 Know the regulations Your business may need to acquire government granted licenses and permits This will not only help you avoid fines or being shut down but major suppliers and customers will then be able to do business with you Learn more about the benefits of signing up for provincial and federal programs with Revenue Canada s Business Registration On line service 6 Create a business plan Every successful business requires a strategic plan Your business plan will

    Original URL path: http://dgidirect.ca/general-tips/checklist-starting-business-ontario/ (2016-05-01)
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  • 6 Questions to Ask a New Doctor
    be ready to describe any other diagnoses you have received in the past Be able to list any allergies and the dates of hospital admissions and past operations available Questions to Ask the Doctor After your doctor has gotten to know a little bit about you ask him or her these questions 1 Who will be seeing me if I have an emergency It s important to get a sense of whether or not you ll be able to get in immediately if you have an emergency Also if you can t see your specific doctor for an emergency visit and if your doctor is very busy this may be the case you ll want to know beforehand so you know what to expect 2 Do you have any expertise in If you or someone in your family who will be seeing the doctor deals with an ongoing physical or mental health issue you ll likely feel more comfortable with a physician who had experience addressing your situation Ask your physician how many patients he or she has treated with your condition 3 Do you belong to any associations It could be beneficial to see a physician who is affiliated with a specific association They may be able to refer to you other resources in your community from specialized clinics to support groups 4 How many patients do you see per month A doctor who is very busy sees up to 500 patients per month and a doctor who is very slow may see only 50 Knowing this information will help you gauge how difficult it may be to get an appointment and will also indicate how in touch with this information your doctor is 5 What medical records do you need to assess my treatment needs Your doctor should be able to tell you what they need from you in order to treat you best This may include recent recommendations from consultations with specialists X rays etc 6 Will you be overseeing my entire treatment from presurgery testing to post surgery checkups If you know beforehand that you require more extensive procedures such as a surgery you ll want to be sure your doctor is well equipped for each task involved After your Appointment Ask yourself and any family members who were present these questions Did your children respond well to the doctor Is the waiting room pleasant kid friendly Does the doctor welcome questions Could I understand what he she was saying Can I see myself asking this doctor anything Through your doctor you have access to a wide range of medical and emergency services that are covered by your Ontario health card Certain services though like prescription drugs dental care and more are not covered A healthcare insurance policy can cover your various needs and also help protect your family against the financial consequences of accidents and illness Find out which Healthcare coverage best suits your needs Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto

    Original URL path: http://dgidirect.ca/general-tips/6-questions-ask-new-doctor/ (2016-05-01)
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