Author Felicia

RESPs or registered education savings plans are a boon to parents everywhere because the rising cost of education is here to stay.

In fact, it has been projected that in just a couple of years the cost of college education could well over reach $138,000 in the year 2036 and Heritage RESP can help you..

This is a massive jump from what the previous generation is used to, and it would be best to begin early in preparing for your child’s educational needs after secondary school.

Three easy steps will get you signed up for an RESP in Canada:

Step one: Call a financial institution or scholarship plan dealer.

Financial institutions and scholarship plan dealers are the two main sources of legitimate registered education savings plans in Canada.

Under financial institutions, you have investment groups or firms, banks, credit cooperatives, etc. Under scholarship plan dealer, you have companies like Heritage Education Funds of Canada taking the helm.

Whatever your choice may be, just make sure that you ask for the policies when taking out the educational plan and double check everything with the agent you are speaking to before signing everything.

The biggest mistake is signing all the papers while only knowing gist of what you are getting into.

While the government definitely regulates the institutions and companies that offer this type of financial product, private entities still reserve the right to enforce their own policies and not paying enough attention to the fine print can be disastrous.

Step two: Select the plan that is right for you

There are three kinds of educational savings plans: individual, family, and group.

The policies for each type differ from institution to institution, so it would be best to compare the fine print and benefits before making a final institution.

Also remember your role in all of this – you will be the subscriber or the person who is signing up or opening savings plan for the beneficiary, or the person who will be collecting the payments or EAPs (education assistance payments).

After selecting the plan that is right for you, be sure to double check the payment schedule and how much you should pay monthly, or annually.

Take note also that the Canadian government will be shouldering part of the regular contributions to the RESP, but only to a certain extent.

Step three: Ask how to improve the financial outlook of your child during college.

If you think that your savings plan needs to earn more interest, you can ask the officer of the bank or the company offering the education savings plans to explain to you your investment options.

A sales representative will be able to tell you how much you must contribute to your child’s RESP to reach a certain goal by a specific year.

This is important, because if you want those EAPs to provide sufficient value when the time comes, you need to start investing today. Additional contributions will earn you more interest in the future.

The concept of medical marijuana is still controversial in quite a few areas including Canada. It is legal for a person to use marijuana if a medial professional writes a prescription for it. The following are some of the conditions that could warrant a prescription for medical marijuana.

The AIDS Virus

HIV can cause a number of painful symptoms once it explodes into the full blown AIDS affliction. Some of the symptoms of AIDS are night sweats, chest pains, headaches, rashes, fevers, swollen lymph nodes and more. The medicinal marijuana can provide some relief for any or all of those symptoms.

Writer’s Cramp

Writer’s cramp is listed as a valid reason for a prescription for medial marijuana. Writer’s cramp is a condition in which a frequent writer experiences painful hand cramps. The purpose of the marijuana is to alleviate the pain.


Cancer patients can receive medical cannabis for their conditions at any stage. It can ease the heap of pain that they feel in various parts of their treatment and when they are suffering from the regular symptoms of the cancer. Many patients have found relief from taking medicinal marijuana.


Glaucoma is an extremely painful eye condition in which the sufferer experiences tremendous pressure. That pressure can cause loss of the eye sight if the person does not take charge and have someone treat the condition. Medical marijuana can relieve the eye pressure for a short while for the glaucoma sufferer.


Nausea is sometimes a devastating condition to have. Nausea occurs in certain digestive illnesses, but it can also occur as an effect of chemotherapy. Doctors can approve of medical marijuana to ease such nausea.

Where to Get Medical Marijuana

Patients who have a valid prescription for medical marijuana can either purchase the substance or grow it themselves. They must be 18 years of age, have the approval of a medical professional, and grow the marijuana with limits. The limit on the amount of marijuana that one can grow for medicinal purposes is 150 grams.

Many other conditions exist for which medical cannabis may be approved. The sufferer needs to make a appointment with a professional and ask about it. It is not illegal to ask about it or to take it. In fact, thousands of people have prescriptions for it and are growing at their homes right now. Call a doctor today if you are suffering with one of the above-stated conditions.

One of the challenges that your senior will likely face is the occasional boredom he or she might face. This can lead to your loved one following you around the house or can lead to depression or other problems. Luckily, there are many ways to help keep your loved one occupied.

Smiley Face Yellow Strike Up Conversations

Conversation is an important way to keep your senior from becoming bored. By having regular conversations, research has found that the elderly are better able to strengthen their memories. A great way to start a conversation is to simply ask your senior about his or her memories from the past.

Smiley Face Yellow Help Them Find A Purpose

Those who are retired have often worked for many years and have had a job to help them get out of bed in the morning. Fortunately, there are many other activities that can give a senior a sense of fulfillment. For example, simply visiting a nursing home to spend time with other seniors can help your loved one feel like he or she has a purpose.

Smiley Face Yellow Suggest A Hobby

Hobbies are a common way that seniors remain occupied. When encouraging your senior to choose a hobby as an elderly caregiver, it is important to pick one that can easily be performed with friends, family members and especially grandchildren. For instance, painting is a great activity for seniors. Also, make sure to select an activity that will be good for the senior’s health. For instance, activities that help improve memory, hand-eye coordination and that force the senior to be creative and learn new things will help keep his or her brain healthy.

Smiley Face Yellow Provide A Change Of Scenery

Providing seniors with a regular change of scenery is an important part of senior care and will help them remain engaged and interested in their surroundings. This can include spending time with animals at a pet store, attending a concert or play, or participating in a special community event. Make sure that the event is not one that your loved one will not be able to rest or leave early if he or she is feeling tired.

Smiley Face Yellow Find A Home Health Care Specialist

For many seniors, one of the major, contributing factors to boredom is simply a lack of people to interact with. One of the best ways to solve this problem is by hiring a registered nurse who can not only help your senior with his or her day-to-day tasks, but who can also be there to help your senior not feel so lonely.

Dental care is important to every Canadian family. All families want to see other members live a healthy life an never have to lose their teeth or go through discomfort. A good dental care plan can prevent that from happening so that you can make you regularly scheduled visits to the dentist office. The following are some types of care that you can receive.

Dental Discount Plan

A dental discount plan is a plan can provide you with a set discount on a wide variety of services and procedures. The way it works is that you pay an annual fee to be a part of the group, and then you receive discounts of up to 60 percent off of your procedures. The providers usually give the prospects a preview before they sign up for the plans. If you’re interested, you will be able to examine the way the plan works before you make a purchase.

Employer Dental Coverage

Individual dental plans are dental plans that provide you with everything that you need. The difference between an employer dental plan and a regular dental plan is that your employer provides you the coverage in a benefit package. You pay only a portion of the premium because you work for the company. The discounts will save you a great deal of money that you can save and spend on your family members and your household. Ask your employer about dental benefits if you do not have coverage for yourself in case of a dental emergency. Employers usually notify their employees of the opportunity to obtain benefits rather quickly after they hire them. However, such is not always the case. Find out when you can enroll in your employer’s dental policy.

Individual Dental Plans

Individual dental plans are plans that you can purchase from a provider on your own. They have several parts to them, and those parts are the premium, co-pay, deductible and percentage. The premium is the amount that you pay every month for coverage. The deductible is a portion of the bill that must come out of your pocket before the insurance company will contribute any of their funds on your behalf. Deductibles vary according to your plan. The percentage is the amount of the bill that the insurance company gets after you pay your deductible. There are a few other aspects that you have to pay attention to like the annual benefit amount. You cannot receive any more assistance during the year if you use up all the annual benefits for that year.

Start looking for dental plans today so you can keep your teeth free of disease and decay. You will find something worthwhile if you search diligently. Visit Trillium Dental to learn more information.

Physiotherapy has always played a critical role in healthcare, but today, its role is increasing in importance even more, as new medications and techniques become available for patients with pain and functional disorders. It is a specialized component of standard medical care that helps patients make faster progress with better function after debilitating illness or injury.

An Important Healthcare Component
Physiotherapy is the use of special knowledge and techniques to assess, diagnose, treat and prevent a variety of medical problems related to movement disorders, as well as to general health. Physiotherapists’ knowledge of the bones and muscles, and how they work together to provide smooth and comfortable movement to the body, can aid in a variety of medical conditions for patients of all ages. This type of treatment is often used in cardiovascular medicine, cancer treatment, orthopaedic care, musculoskeletal disorders, sports injuries, neurological conditions and pediatric medicine. It can also help with occupational injuries and pain management. One such device uses metal rods that wrap around pediatric patients’ legs and torso to allow them to stand up and walk.

What Happens in Treatment?
Therapists use a wide range of exercises, devices and equipment to facilitate movement and strengthening in a variety of body areas. Therapy may include assisted movement, gait training, isometrics, massage, electrical stimulation, resistance therapy, cold therapy, traction and other methods that increase circulation, muscle strength and flexibility. Sessions may involve repeated therapies or a series of progressive therapies to help improve movement.

New Treatments for Knee Pain
Knee pain is a widespread problem for individuals over the age of 40 and for those who engage in athletic activities on a regular basis that put unusual strains on the structure within the knee joint. Lateral patellofemoral overload syndrome is a type of injury that occurs in runners, cyclists and other athletes whose activities put constant stress on the sides of the knee joint. A new treatment that uses botulinium toxin A and physiotherapy is showing promise as a new technique for patients who have knee pain that has not responded to currently available treatments.

New Technologies To Aid in Therapy
New robotic technologies will offer many new physiotherapy techniques in the future. Already, complex, technology-powered exoskeletons are offering improved progress for individuals whose movement been affected by accident and disease. These therapies are expected to be in widespread use in coming years, helping patients to improve their musculoskeletal function at a faster rate than current techniques.

The trend toward minimally invasive and non-surgical methods to deal with joint pain and other musculoskeletal problems is expected to create more extensive use of physiotherapy to help patients regain function. New techniques will undoubtedly provide new options for patients recovering from these debilitating conditions.

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