When was the last time you had an in-depth conversation with a stranger?
When was the last time you had an in-depth conversation with a stranger?
Thai Chicken Noodle BowlPhotography by Jeff Coulson Image by: Thai Chicken Noodle Bowl</br>Photography by Jeff Coulson
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Anti aging cream Image by: Getty Images
Navigating the world of anti-aging products can be daunting. Find out which skin superstars our experts deem worthy of adding to your beauty arsenal.
What: The number one dermatologist-approved must-do: sunscreen! A broad-spectrum sunscreen protects skin from UVA (the aging rays) and UVB (the burning rays), sun rays that can lead to skin cancer and skin damage.
Why: “Ninety percent of aging comes from photo damage (a result of sun-exposed skin), therefore sunscreen is the best way to prevent aging and sun damage. Don’t even look outside at the weather. Just put it on,” insists dermatologist Dr. Julia Carroll. Dermatologist Dr. Lisa Kellett agrees, and emphasizes the importance of using sunscreen every single day, no matter the season. Just hopping into the car or working in an office? “The sun can penetrate through windows, too,” she advises.
How: Look for sunscreen with an SPF of 30 or higher. Apply it in the morning before your moisturizer or choose a moisturizer with built-in sunscreen. Don’t forget to apply it to the neck, chest and back of hands. For a fuss-free option, look for a clear sunblock spray that’s alcohol-based and dry to the touch.
What: Retinol is a derivative of vitamin A and its biggest job is to promote collagen production, helping to increase skin turnover while removing dead cells.
Why: It acts as a light peel. In the short term, dull-looking skin will be replaced with a healthy glow.
How: Choose a 1% retinol–based serum, which your skin will absorb better than a cream, suggests Dr. Kellett. It will tingle and can be a little irritating, so use it at night and when you’re out of the sun. Apply it after you’ve washed your face and before you apply moisturizer, or add a drop or two (depending on the season and your skin’s sensitivity) to your favourite moisturizer. This step will help more sensitive skin tolerate the retinol.
3. Vitamin C
What: It is a powerful topical antioxidant, helping to reduce the appearance of fine lines and prevent photo aging and photo damage. Specifically, look for L-ascorbic acid, one form of vitamin C.
Why: It helps fight sun damage. Vitamin C mops up the free radicals (molecules in the skin that cause damage) that can lead to photo aging (aging from the sun).
How: Depending on your skin type, look for products that contain up to 20% Vitamin C, suggests Dr. Kellett. Incorporate it into your morning routine and follow with sunscreen. “Sunscreen and vitamins C and E are great partners, working well together to create a super combo,” says Dr. Carroll.
What: “Found in red wine, specifically in the skin of its grapes, resveratrol is an antioxidant with a bit of a sexy history,” says Dr. Carroll. Plants produce resveratrol as a response to injury.
Why: It works to repair skin damage caused by the sun. It also helps increase skin firmness, elasticity and radiance.
How: Use it at night. It will work to repair the skin while you sleep. Apply it to a cleansed face. It can be used in combination with retinol.
Over 50 and fabulous? Our guide to aging gracefully helps you choose the skincare, hair and makeup products that are right for you.
With winter's worst (hopefully) behind us, tax season is here, and there are many changes that families will want to be aware of.
Tax time is never fun, but it's even worse when you miss out on credits or deductions you may have qualified for. Complicating matters this year are several taxation changes due to a Liberal overhaul of several Harper-era measures.
"I've seen more changes this year than in the past three years," says Lisa Gittens, a tax expert at H&R Block.
Here are eight things families will want to be aware of when filling out their 2016 return.
1. Last chance on certain tax credits
The government is phasing out a handful of tax credits and focusing on larger benefits. The children's arts and fitness tax credits will be halved for the 2016 tax year, and cut completely next year, meaning families will no longer be able to defray costs for things like swimming lessons, ballet and tutoring. For post-secondary students, the education and textbook credits are being eliminated in 2017, although education amounts carried forward from previous years will still be claimable.
2. No more income splitting
Also gone is the Family Tax Cut, which lets the higher-earning spouse transfer up to $50,000 of income to the lower-earner. During the 2015 election, the Liberals promised to cut it, calling it a "tax break for the wealthy."
With the benefit gone, Gittens recommends a spousal RRSP, which allows the higher-earner to contribute to the lower-earning spouse's RRSP and claim the tax benefit. "You may have an RRSP set up, but you haven't thought about setting it up for your spouse. This is an ideal time to use that strategy," she says.
3. Changes to child benefits
The Canada Child Benefit was a signature feature of the 2016 budget, replacing the old Universal Child Care Benefit and the Canada Child Tax Benefit. It's non-taxable, so you don't have to claim it. However, in order to continue to receive the benefit, both parents must file a return, even if one doesn't generate any income, says Gittens.
Also keep in mind that the benefit started in July, so you still have to claim the taxable UCC for the first six months of the year.
4. New tax rates
New tax rates mean you may or may not be pleasantly surprised by the size of your tax bill this year. If you're in the meaty middle that earns between $45,000 and $90,000, your rate will come down to 20.5 percent from 22 percent.
"Most Canadians will be receiving more money at the end of the day than they were under the old system," says Jamie Golombek, managing director of tax and estate planning at CIBC Wealth Strategies Group.
However, high-income earners will be paying more due to a new 33 percent bracket for people earnings more than $200,000.
5. Child care expenses
Childcare costs are usually the biggest deduction available for families, says Golombek. But what many people don't realize is that it goes beyond simply daycare. If you have a nanny, you can claim that expense, but also babysitting, if it's during the day, and summer or day camp.
6. Disability tax credit and family caregiver amount
If you have family members with a disability there are certain credits that may be available to you. The Disability Tax Credit is available to people with disabilities to reduce their taxes. For children under age 18, a parent or caregiver may be able to claim the unused amount.
If you're a caregiver to a family member with physical or mental impairments, you may also be able to claim an additional $2,121, according to the Canada Revenue Agency.
7. Selling your principal residence
Selling your home has typically not been something you've had to report on your taxes, because usually Canadians don't get taxed for capital gains on their principle residence. But starting with the 2016 tax year, individuals who sold their principal residence during the year must report the sale. The government is ostensibly doing this to crack down on people who try to pass off income-generating homes as their principal residence.
8. eFile early, get your refund early
Tax deadline is April 30, but if you want to get ahead of the game, file early, before the government is inundated with last-minute returns. You can still file the old paper return, but Gittens says you'll be looking at a turnaround time of anywhere up to eight weeks, versus 10-14 days for a return filed early and electronically.