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  • Canada Recognizes Emergency Preparedness Week | DGI Direct
    quickly and without much of a problem can help rectify situations in which people can t get in touch with one another remotely Use week to get emergency kit started Something else homeowners may want to take care of this week is preparing an emergency kit Because emergency kits should have enough food water and medical supplies to last a minimum of three days some people think that they re better off not even bothering completing one unless it s perfect But just like exercise some is always better than none In other words an emergency plan isn t something that can be completed in a given week It takes time to build up the necessary supplies so that it s good to go should an urgent situation take place Families may want to start with what they will most need in a crisis water Depending on the number of people are in a family an emergency kit should have two liters of water per person per day In addition plenty of food should be available as well preferably the type that s not perishable such as canned goods trail mix and energy supplements in the form of bars or mixes Special needs should also be accounted for in an emergency plan including items like infant baby formula prescription medications or equipment that people with a disability might need Check to see insurance needs are met Additionally homeowners and renters should use Emergency Preparedness Week to review their apartment insurance and Canada home insurance Ralph Palumbo vice president of IBC s Ontario division notes that policyholders should be sure to contact their insurer going over their overage that s in place and whether additional protection may be in order The better homeowners know their home the more effectively insurance representatives

    Original URL path: http://dgidirect.ca/home-tips/canada-recognizes-emergency-preparedness-week/ (2016-05-01)
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  • Young Canadians Say Homeownership is Harder to Achieve | DGI Direct
    making enough money to afford a mortgage when they were first interested in buying a new home Meanwhile just under 50 percent of millennials said their salary was insufficient Financial expert Farhaneh Haque indicated that today s younger generation may not realize that they have a recourse to turn to if they would like to buy a home but feel as though their economic status prevents them from doing so First time buyers can consider the federal government s Home Buyers Plan which lets you borrow up to 25 000 from your retirement savings plan for a down payment on your first home said Haque He added that because the typical down payment is about 20 percent of the home s value which is often a lot to pay all at once it would be wise for millennials to create a down payment fund Each pay period prospective buyers can contribute a portion of their earnings to this fund so that they can earn the money they need to afford a down payment Millennials often undervalue their wealth As for people who think they aren t earning enough Hague pointed out that individuals who feel this way may be underestimating how much they make In fact based on the amount of money homeowners commit to rent it s likely that they have the financial backing to afford their own residence Crunch the numbers with a mortgage specialist and then test whether you can manage the costs said Hague Set aside your expected mortgage payments plus all other home expenses for a few months less your current rent and see how you do Hague added that if after the numbers have been tabulated prospective homeowners are short of the money they need to buy a home look for other ways of cutting back on discretionary purchases as well as adjusting what they currently pay for necessities How to save on home insurance One of the factors that aspiring homeowners consider in their costs assessment is home insurance in Ontario if they plan on living in this part of the country But there are a variety of ways in which they can cut back on spending without sacrificing quality Reviewing Canadian insurance quotes is one method to take as this enables policyholders to price and compare what their spending with one provider when contrasted with another In many instances they may be able to get the same type of coverage with an alternative provider at a much lower rate Additionally there are a variety of discounts that insurers provide for homeowners that are determined when an insurance adjuster analyzes a home For example if there are safety devices in place such as a smoke detector carbon monoxide alarm or burglary detection system premiums may be reduced because the insured is a less of a liability Future homeowners will have plenty of opportunities to secure a property of their own based on the pace at which residences are being built According to its

    Original URL path: http://dgidirect.ca/home-tips/younger-canadians-say-homeownership-today-is-harder-to-achieve/ (2016-05-01)
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  • How To Fix Minor Scuffs and Chips On Your Car Or Vehicle | DGI Direct
    sandpaper and rubbing compound But even if the scratch is deeper than one initially thought Santos indicated that touch up paint today is of high quality and comes in a variety of colors so much so that vehicle owners are bound to find a selection that closely mirrors their vehicle s hue effectively masking the blemish With today s technology most paint chips can be repaired at home using high quality touch up paint and clear coat Santos told the newspaper Chipped paint can affect warranty Not only does touch up paint preserve the esthetic appeal of a vehicle but it s also important to use in order to avoid corrosion When paint chips leaving a vehicle s bare metal out in the open it s more vulnerable to the elements like snow and rain This can diminish the vehicle s value significantly which will hurt it s resale value if motorists intend to sell it at some point In addition chipped paint and nicks that go unaddressed can also affect the car s warranty As noted by Car Care Canada most new cars have a five year warranty But if the vehicle begins to rust due to dings and chipped away paint it often renders the warranty null and void Along with the quality of touch up paint improving the internet has helped make motorists aware of the array of different strategies they can use by reviewing auto repair shop message boards or how to magazines Popular Mechanics Magazine recently put together an assortment of products people can buy that are exclusively for minor paint related issues The magazine also offers some tips of what to be aware of before going about the restoration process on one s own How motorists can select the proper paint For example people who have never used touch up paint before may think that the only way they can get the most accurate color possible is by observing their vehicle keeping that color in mind and then hopefully finding one that resembles it at an automotive retail store But Popular Mechanics points out that on most modern vehicles those built before the mid 1980s there should be information on the car itself that tells its owner the exact color of their car On the inside of the car door there should be a sticker that has the vehicle s VIN number as a well as a bar code Underneath that bar code should be the vehicle s paint code information which is usually multi lettered or numbered Alternatively motorists can speak to a customer service representative at their nearest autobody retailer to tell them their vehicle s VIN number They may have a database that can determine the appropriate touch up paint to purchase that matches their car While at the retailer there should be materials available to apply the paint and prepare it for touch up work Popular Mechanics magazine says that sandpaper cotton swabs and tweezers will all come in handy

    Original URL path: http://dgidirect.ca/car-tips/premier-ways-motorists-can-fix-minor-scuff-and-chips-on-their-vehicles/ (2016-05-01)
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  • Poll: Politeness still an issue for drivers | DGI Direct
    or lose their cool I think it is fair to say that all of us at some point in our daily travels have encountered a form of road rage said White Our goal with this study was to gain a better understanding of what triggers the most common types of road rage so we can raise awareness of the issue and offer advice that will hopefully keep people calmer behind the wheel Road rage often leads to speeding From cutting someone off to weaving in and out of traffic to sending obscene hand gestures to fellow commuters the poll found that motorists today express their displeasure over maddening traffic scenarios in a variety of ways At 61 percent though the road rage behaviors that drivers did the most frequently was related to speeding Several past studies including those produced by the Ontario Ministry of Transportation have shown that speeding is one of the most common causes of accidents in Canada often leading to serious injuries and death in some instances Thanks to vehicle safety improvements however the fatality rate has dropped considerably since 1988 down from 1 8 highway deaths for every 100 million vehicle kilometers to approximately 0 5 per 100 million km traveled in 2010 Though there are a variety of ways in which to de stress and avoid road rage behavior and the aggressive driving that often materializes as a result of it one of the best strategies may be as simple as taking a few deep breaths Speaking to the U S based radio station National Public Radio Mladen Golubic a physician for integrative medicine at the Cleveland Clinic in Ohio said that deep breathing is the body s very own natural stress reliever She stated that even for people who have breathing problems such as those who have asthma or chronic obstructive pulmonary disease have been able to improve their health complications through breathing exercises The way in which people breathe is important though Esther Sternberg physician and researcher at the National Institute on Mental Health tells NPR rapid breathing can stimulate stress by activating the body s fight or flight instinct Slow controlled breathing does just the opposite by tapping into the body s parasympathetic response which helps people calm down Something else drivers can do to calm themselves down or to avoid the possibility of become frustrated is by taking an alternative route For example if a particular portion of the road often becomes mired with traffic it may be best to take a more circuitous route This may require extra gas but it beats the alternative of getting into an accident as a result of aggressive driving Occasionally drivers may anger one of their fellow commuters by accidentally cutting them off in traffic These errors in judgment can usually be corrected by apologizing which can be done raising one s hand to acknowledge the fact that an error was made This can turn a potentially hostile situation into one that drivers will

    Original URL path: http://dgidirect.ca/auto-insurance-articles/poll-politeness-still-an-issue-for-drivers/ (2016-05-01)
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  • Leaky Faucet Secondary Concern For Many Canadians | DGI Direct
    while a leaking faucet may not seem like a major issue over the long run it wastes a lot of energy usage For example if a faucet leaks a droplet of water 60 times inside of a minute that adds up to 10 000 liters of wasted water in a year if the drip continues at the same pace Young Canadians given to shower for longer periods How concerned homeowners are about water is largely contingent upon how old they are based on responses from the survey s participants For example the poll found that Canadians between 18 and 34 years of age are the least likely of age groups to shower no more than five minutes per day Roughly 20 percent of younger Canadians said that this is how long they took to shower in the morning or evening Meanwhile nearly two thirds of Canadians older than 55 said they showered for no more than five minutes each day Older Canadians are also more likely to be aware or concerned about fresh water issues One third of younger consumers said they paid attention to water usage related news developments versus approximately half of people 55 and over As beneficial as water can be for drinking cooking and for overall good hygiene it can also pose a problem when there s too much of it at any one time The second to last week of March is Canada Water Week and home insurance Ontario carriers have recognized the occasion by providing homeowners with information and tips on how they can protect their belongings from floods whether caused by plumbing issues or overland flooding Though high water levels may not seem like they d be a major issue in Canada compared to other parts of the world they have occurred with

    Original URL path: http://dgidirect.ca/home-tips/leaky-faucet-secondary-concern-for-many-canadians/ (2016-05-01)
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  • Home Tips to Keep in Mind When Considering Door Locks | DGI Direct
    is attached by a chain and clips to the frame of the door there are generally two varieties of locks deadbolt and spring latch otherwise known as slip bolt Spring latch locks are the ones that homeowners are likely most familiar with as they accompany just about every door knob They are also the easiest to work and the cheapest to install There are some drawbacks to this type of lock though Locksmiths say that there are contraptions that enable would be thieves to override the lock and release the pressure that keeps the spring in place People with considerable weight behind them may attempt to smash the door in Home safety experts say that this issue can be avoided by purchasing a protective metal plate which surrounds the door lock and where the spring fits into place Locksmiths may be able to guide homeowners as to which type is best Deadbolt locks have inherent flaws As for the deadbolt lock these often accompany door knobs and provide another barrier that s hard to break through for those who try to pick locks or attempt or more forceful means of entry Once again though these locks aren t surefire guarantees that an intruder won t be able to work their way around it by accessing or trying to break apart the door jamb This renders the bolt or what experts call the throw useless That said locksmiths indicate this problem can be solved by purchasing what s known as a surface mounted deadbolt The structure of these kinds of bolts as they are vertical instead of horizontal prevent would be thieves from tampering with the door jamb Consumer reports has reviewed a number of door locks as well The magazine notes that when looking for locks buyers should keep a

    Original URL path: http://dgidirect.ca/home-insurance-articles/factors-to-keep-in-mind-when-considering-door-locks/ (2016-05-01)
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  • Spring Driving Hazards and Tips | DGI Direct
    and spokesperson for Michelin Canada says that this temporary loss of control of the wheel can result in a serious accident oftentimes at no fault of the driver who experiences it To avoid this consider purchasing specialty tires that reduce the risk of hydroplaning These tires are uniquely designed to wick away precipitation that can lead to tires losing contact with the road s surface Though hydroplaning can occur when drivers are operating their vehicles within the posted speed limit a recent Ipsos Reid poll found that Canadians often go well above this limit mainly because they think the roads aren t as dangerous in the spring as they are in the winter The poll revealed that approximately one third of drivers confess to regularly driving at a faster rate of speed when the temperatures turn more balmy Spring brings the return of wildlife Speaking of which it s these warmer temperatures that awake the many once hibernating animals from their winter slumber Eager to find sources of sustenance all manner of animals including raccoons turtles hedgehogs and squirrels will scurry across the road oblivious of the fact that vehicles are coming from both directions If drivers aren t expecting them they can cause people to lose control of their vehicle after being taken by surprise To avoid being startled motorists are advised to keep their eye out for these animals by glancing at the sides of the road the place where they ll most likely originate from Be particularly mindful of turtles which by their very nature are slow moving and oftentimes quite large Just as worrisome if not more so are much larger animals that dart out into the middle of the street According to the interdisciplinary partnership Animal Road Crossing there are approximately 2 4 million vehicle deer collisions each year or what amounts to one every 26 seconds This results in approximately 5 billion to 8 billion in damage each year much of which may be provided for through group auto insurance Though no one wants to hit any type of wildlife it may be preferable to hit small critters than to violently veer a steering wheel in one direction or another as this may cause a chain reaction by other cars following But if it s a deer that s crossing the street safety experts recommend braking as quickly and safely as possible to avoid colliding with the deer elk or moose as the weight of these animals can do severe damage both to the vehicle and its occupants Motorists should also attempt to swerve if they believe it will spare them from an accident and it doesn t lead to a rollover Researchers recently revealed that signs which warn drivers of the potential for deer crossings help reduce the risk of an accident Published in the journal Wildlife Society Bulletin in 2011 Canadian researchers showed how warning signs led to a reduced rate of speed for many motorists in locations known for deer crossings

    Original URL path: http://dgidirect.ca/car-tips/dont-get-bamboozled-by-spring-driving-hazards/ (2016-05-01)
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  • Canadians gearing up for March vacation - DGI Direct
    spend the most at nearly 3 200 Sickness losing money cited as top worries Canadians are similarly concerned about issues that can turn a delightful vacation into a nightmare scenario When asked what they were worried most about during the course of their vacation more than one third of respondents said it was the chance of them getting sick Approximately 30 percent of participants pointed to losing their wallet or overspending Financial experts recommend maintaining a budget while on vacation as this can help families avoid overdoing it on expenses for meals lodging keepsakes as well as rental car costs While car accidents weren t cited as a primary fear among respondents they have been known to happen from time to time among vacationers If the car crash happens in a rental car and the user is uninsured it could be an extremely expensive incident that may need to be paid for out of pocket Because of these worst case scenarios rental car agencies offer auto insurance coverage protection protecting users who encounter an accident However policyholders may alternatively get in touch with their car insurance in Ontario provider as some auto policies provide rental collision and loss damage insurance at no additional cost Some providers do not include this coverage in a standard policy so it s important to ask what is and is not included in a basic auto insurance plan Recent data from Statistics Canada has found that the country s citizens are travelling for vacations with greater frequency According to its Travel Activities and Motivation Survey between 2004 and 2006 approximately 18 million adult Canadians traveled for vacation at least once That s up from 1 percent from 1997 to 1999 There is also some variation in how long of a holiday consumers take depending on

    Original URL path: http://dgidirect.ca/auto-insurance/canadians-gearing-up-for-march-vacation/ (2016-05-01)
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