Oct 1, 2020 The CERB benefit is over — here’s what you need to know now

Now that the Canada Emergency Response Benefit (CERB) has wound down, Canadians who are still out of work due to COVID-19 and who are still unemployed may be eligible for employment insurance and other federal financial supports to help get them through the next phase of the pandemic. Millions of CERB recipients will transition automatically to employment insurance (EI). Expanded eligibility rules will also mean more people can qualify and the pandemic aid bill before the House of Commons this week — includes three new replacement benefits. Employment Minister Carla Qualtrough has said the changes aim to strike a balance between the need to avoid discouraging people from working and the need to support Canadians who, despite…

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Sep 29, 2020 How your location affects the cost of your insurance

There’s a lot of change to navigate when you move to a new neighbourhood, from finding the best route to work to getting to know your local grocery store. But did you know that moving could also mean a change in your home and car insurance rates? Even moving from one subdivision to another within the same area could lead to an increase or decrease in your premiums. Here are some of the reasons your insurance costs might change when you move. How does your location affect your home insurance premium? These factors could have an impact on the cost of your home insurance: The age of your home: Older neighbourhoods have older sewer systems, which could potentially put you at higher risk for a sewer…

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Sep 25, 2020 Get Under an Umbrella – Policy that is

This blog was originally posted in 2009, however the concepts are still applicable today: I have been meaning to write an article / blog about umbrella insurance for quite some time now. Howard Yegendorf beat me to it and did a great job of it. He was kind enough to allow me to use his material and act as a guest blogger for Rhodes & Williams Insurance Brokers. Nightmare Scenario #1 You are driving your car, not paying attention momentarily, and you go through a red light colliding with another vehicle going through the green. The accident is clearly your fault. The other driver suffers catastrophic injuries. He makes a good living and his injuries will prevent him from ever being gainfully employed again. He…

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Sep 16, 2020 Insurance coverage for your mobile phone

There’s no denying that most of us would be lost without our mobile phones. They’re our personal sidekicks, our closest connections to friends, and our family photo albums. So, when something goes wrong and your phone is stolen or damaged, the last thing you want to worry about is the cost of replacing it. This is where insurance comes in. But is your standard home insurance policy enough, or should you purchase additional cell phone coverage? We’ve got the answers to your questions, plus a breakdown of key differences between home insurance and mobile phone insurance. Does home insurance cover your cell phone? Yes. Your home, condo, or tenant insurance policy covers your phone in many different situations. Here’s what you need to…

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Aug 18, 2020 Top Reasons for Car Accidents in Ontario

We see them, we hear about them, our daily commutes are affected by them, and yes, sometimes, we are also involved in them. According to the Ministry of Transportation there were over 35,000 personal injury and fatal collisions in Ontario in 2018. That is almost 100 car accidents a day! If you speak to any law enforcement officer, they will agree that 99.9% of accidents can be prevented. So if they can be prevented, why do we keep getting into accidents? Ultimately it’s the day-to-day decisions that we make; we get into routine, driving becomes a habit and we often let important factors slip our mind which unfortunately could cost the ultimate price. Here are the top four reasons for car…

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Jul 21, 2020 Who is at fault for a collision in a parking lot?

Even though the basic rules of the road still apply when you’re driving in a parking lot, it may be a little more difficult to figure out who is at fault for an accident. Being considered “at fault” for a collision could play a role in determining whether or not you have to pay your deductible when you make a claim, and it could also affect your car insurance premium. While fault determination rules vary by province, here are some examples of common accidents that occur in parking lots and how fault may be determined in each scenario. Who is at fault if your car is hit while it’s parked? If your vehicle is hit while it’s legally parked and you’re able to…

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Jun 12, 2020 Tips for cleaning up your yard and garden for spring

With Summer almost here, you may or may not have already finished your spring cleaning. If you haven’t already started, now’s the perfect time to get started on your spring cleaning. While you’re at it, give your lawn and garden some attention, too. Keep these tips in mind as you get started: Pick up the obvious stuff first. Once the snow is all gone, you’ll likely need to go around your yard and pick up litter, dog waste, and larger plant debris (like fallen branches) left behind over the winter. Be sure to use a pair of gloves and beware of broken glass. Leaving debris on your lawn long after the snow has melted can prevent new, healthy grass from growing in.

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Jun 9, 2020 5 natural ways to boost your mental health during stressful times

Life today is razor’s-edge tense. If your regular coping methods aren’t measuring up, there are science-backed actions we can add on our own to ease anxiety, depression and stress — all done naturally, no doctor’s note required. Get enough exercise If you had to choose just one thing to do to better your mental and physical health, choose to exercise on a regular basis. Scientists believe exercise increases blood circulation to the brain, especially areas like the amygdala and hippocampus — which both have roles in controlling motivation, mood and response to stress. For one thing, it releases endorphins, the body’s feel-good hormones. You don’t have to do high-intensity exercise to ease stress, according to a study of university students.

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May 19, 2020 How to stay on track when working from home

Canadians across the country have been asked to work from home as much as possible to prevent the spread of the coronavirus (COVID-19). For many, working from home for a day or two at a time can be a welcome break from going into the office — but when you’re asked to work from home indefinitely, it can be tough to concentrate and stay motivated, especially when you might have more distractions than normal. Here are a few tips that might help you keep things as close to “business as usual” as possible until you get back to the office: Set up your workspace in a way that will help you focus and do your job most effectively. While some people might have a dedicated home…

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May 11, 2020 How insurance companies are supporting those who have been affected financially by COVID-19

The COVID-19 pandemic has led to financial struggles and uncertainty for many across the country. Whether you’ve been laid off from your job or you’re an hourly worker whose shifts have been reduced — or if the pandemic has affected your finances for another reason — you might be having a hard time staying on top of your bills right now, including your insurance premiums. Insurance companies understand, and we’re taking measures to support those who are facing tough financial situations as a result of the pandemic. The Insurance Bureau of Canada announced that its member companies will take the following measures to support their customers: Drivers whose habits have changed may qualify for reduced car insurance premiums. If your driving habits have…

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