EXPERTS
Wednesday, July 18, 2012 - The Morning Star A43
www.vernonmorningstar.com
Ask the
Learn more from those who have the answers! Samantha Plovie
Dawn Stephanishin
Feng Shui Consultant
Mortgage Broker
Q: A:
We have heard that the rules for financing a home have recently changed. It all seems very complicated and we just need to know how these changes will affect our situation. Can you help us to understand?
The recent changes made by the Government of Canada will make it a little tougher when buying a home, looking to refinance a home for renovations, or even to look at changing your mortgage at renewal. The Bank of Canada made changes to the length of time that you can repay a mortgage for anyone requiring one of the default mortgage insurers such as Canada Mortgage and Housing (CMHC), Genworth or Canada Guaranty. These clients will now be required to repay the mortgage in 25 years. For anyone that will have a 20% down payment (or equity in their home) the type of mortgage you will need is called “Conventional Mortgage Financing”, and your options are not limited by the new rules, you can still repay up to 35 years. The Government also made changes that will limit the amount of refinancing and for using a line of credit on your home. The good news is that we will have options for you to consider, as a Mortgage Broker, we work with a variety of Lenders and can find the best solution for your situation. One policy at a Bank Lender may not be the same as another Lender down the street. If you have a Lender saying they are unable to help you, your best option is to call a Mortgage Broker to ensure that the decision was made based upon the new Government changes and not based upon an individual policy change at your Bank Lender. OAC /E&O accepted.
Q: A:
Clutter
Verb: ‘To fill or cover with scattered or disordered things that impede movement or reduce effectiveness.’ The term clutter comes from ‘clotteren,’ which means ‘to clot’ and it sounds negative, doesn’t it? Good, it should. Clutter is bad. There is nothing good that can come from a cluttered space. Where there is clutter, there is blocked Qi and such a blockage will affect you. It can transfer to your health, your wealth, your happiness, and yet simple steps will help you succeed on every level. • Have a place for everything, and everything in its place • Consider what you really need in your space • Be proactive with clutter, not reactive We get used to what is around us; it becomes the ‘norm.’ If you want to improve areas of your life, then be a ‘Sam’ and see things the way I do. Look at your space with an ‘unemotional eye.’ Clear the blockages and you will achieve better health, wealth and happiness: it’s as simple as that…
Chi Solutions
For Expert Mortgage Advice, Contact …
Dawn Stephanishin Stephanishin, AMP
www.chisolutions.ca
Mortgage Broker
250.307.2555
www.askdawn.ca • www.dawnstephanishin.com
4705B - 29 Street, Vernon • 250-503-8788
Q: A:
That’s a difficult question to answer and one that needs to be based on each individual. If your Mom is like most seniors, she will want to remain in the comfort of her home, with her memories of her spouse, family and all her familiar belongings surrounding her. She may not tell you this for fear of imposing upon you, but we know that moving, for a senior, is a stressful life event that she may never completely recover from. Research shows us that many seniors who have engaged private home care services early never move from their homes, but increase the frequency of the visits according to their increase in need. Supporting your mom at home may be her best option physically, emotionally and financially.
Nurse Next Door™ home care services
250.545.4455 www.nursenextdoor.com
RPCc, CPCA member
Q:
A:
I feel taken advantage of by an adult family member who doesn’t work, abuses alcohol, & depends on me for everything! (money, food, cigarettes, transportation, etc). I want to help, but am I enabling?
Although it’s natural to want to help when our loved ones are struggling, if we are repeatedly bailing them out of trouble (financial or otherwise), we are allowing them to continue their self-destructive behaviour and depriving them of experiencing the consequences. Without consequences, there’s no reason for them to change. When we ignore the problem in the hopes that it will go away, or because our loved one gets defensive, we are enabling. We enable when we hinder their growth and development by doing things for them that they are capable of doing for themselves, and we also send the message that they are helpless or incompetent. Recognizing that you are enabling is an important first step! It’s not easy to stop enabling someone you love, but keep in mind that by enabling, you’re not helping. As a Professional Counsellor and a woman in recovery, I offer hope and support to others who are struggling.
250.549.0849 steponecounselling@hotmail.com
When is the right time to make a move? Mom is having trouble managing her home now and I think she would enjoy the social atmosphere of a retirement home. It might help her memory loss if she’s more involved.
Dr. Krista Ingram, ND Naturopathic Physician Certified Personal Trainer
Q: A:
Heather Wiseman Certified Personal Trainer
How do I do keep a healthy diet when I have to eat out a lot?
Have you heard of people who go to fast food restaurants in order to eat salad? Perhaps that’s the intention, but rarely reality. Always look for vegetables and lean meat, or what you eat at home. Also, don’t drink your calories with pop and juices, and instead of dessert have an espresso or tea. Plan ahead. Go online and look up nutritional information. For instance, a 3-piece fish and chips sounds not too bad (fish is good for you, after all), until you find out that there are a whopping 1,231 calories in that meal, with 106% consisting of your daily fat requirement. Too many meals like this will definitely add up to inches around your waist.
EXCLUSIVE PERSONAL TRAINING STUDIO
1935 - 11 Avenue, Vernon 778-475-5700 • Email: info@trimnfit.ca
PhD, Psychotherapist, Reg. Prof. Counsellor, Hypnotherapist
Care Designer
Carolyn Grant Johane Andrews
Dr. PhebeJane Poole
Trina Heerschop
Q: A:
What are electrolytes and why are they important?
Electrolytes are minerals in your blood that carry an electric charge, and have an effect on the amount of water in your body, your blood pH, and muscle function. Electrolytes in the blood include sodium, calcium, potassium, chlorine, and magnesium. Electrolytes are lost when you sweat excessively, and must be replenished by drinking plenty of fluids. Now that the weather is warmer and many of us have increased activity levels, it is important to stay adequately hydrated and replenish our electrolytes. There are many sports drinks available in stores, but unfortunately these can contain high levels of sucrose, artificial flavours and colours. Following is a recipe for a healthier electrolyte drink: Natural Electrolyte Recipe (makes 1 litre of electrolyte solution) 1 tsp salt 1 tsp baking soda 4 tsp honey or maple syrup 4 tsp lemon juice 1 litre water
250-545-0103 • 3105 - 36th Ave, Vernon www.BalanceNaturalHealthClinic.ca This article is for information purposes and is not meant to replace the advice of your physician. Please seek medical care as appropriate.
Q: A:
What is involved in sports hypnosis?
Sports hypnosis, or mental performance coaching, helps you learn how to harness the power of your mind, so you achieve your peak performance and love what you are doing! You will see how your mind impacts your game and how you can actually improve your mental performance. While everyone’s session is different, because everyone is a unique individual, the overall process involves: • Assessing your performance - finding out your personal blocks, e.g. distractions, emotional states, self-talk, fears, etc. • Developing a personalized plan with your own S.M.A.R.T. goals • Executing the plan • Performing your sport or activity • Debriefing Improving your performance involves working smarter, not harder!
Dr. Phebe-Jane Poole
Psychotherapist and Hynotherapist
250.307.3015
www.pjpoole.com • pjp@pjpoole.com
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