"La la la...I can't hear you...la la la"
"I don't have much, so there's nothing to fight over"
"I'll only need a will when I'm older"
No more excuses. You need a legal will now.
You might not like to talk about death, tragic scenarios and heart-breaking possibilities but in order to protect yourself and your family, please make sure your wishes are fulfilled, with no error for misinterpretation and future challenges.
Step 1: Meet with a trusted legal advisor who will make the process easier. Save time and come prepared with questions, documentations and options.
Do your homework
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On your list, should be (if applicable):
Naming a guardian for your children. First choice? Backup?
Choosing an executor. Will it be your spouse? Appoint someone else as co-executor?
Organ donation and funeral service. Any specific type of memorial or service you wish for yourself? Location? Trust me, this makes it easier for your children to know that they are doing as you wish.
Keep a list of the names and contact information of your professional advisors and bank information such as; physician, lawyer, accountant, financial account numbers and institutions.
Think about how would you want to divide your estate, with different possible scenerios. If only your spouse survives, if only your children survive or if no immediate family survives.
There is so much to think about. If you need some help to get started, use the Will Planning Guide offered by RBC . It's a good step. I'm filling my forms in now.
Take good care.
Do you already have a will?
Making minor, yet meaningful changes to your lifestyle can help you become a significantly healthier and happier person. Our health expert shares five tips on sleep, nutrition and fitness to help you achieve these goals.
"Why does she look and feel so good? I think I want what she's having!" If you find yourself thinking like this it might be time to adopt some new habits.
After working in health care for over a decade and working one on one with thousands of clients, it has become clear that there are certain habits that are absolute game changers when it comes to your health.
Implementing the following habits will quickly make a huge impact on your health - both physically and mentally.
1. Wake up early
If you wake up late and feel rushed in the morning, the rest of your day tends to continue in a similar hurried and stressful fashion. In order to set the proper tone for your day and to carve out some precious time just for yourself, try waking up a half-hour earlier than you normally do to walk, stretch, meditate or write in a journal.
By doing so you will lower your stress levels and begin your day in a clear and calm fashion. To make life even easier, pack your bags and lunch (and the bags and lunch of your kids) the night before and lay out your clothes for the next day.
2. Do not eat refined carbohydrates or sugar
There is no way around it: Eating too much refined flour and sugar in the forms of cereal, bread, cookies, granola bars and muffins results in a dramatic energy plunge and food fog. To make matters worse, refined flour and sugar also tend to trigger the over-secretion of the hormone insulin, which leads to excess fat storage in the abdominal region and intense sugar cravings.
Highly healthy people treat white refined sugar as a "toxin" and save it as a very occasional treat. Instead of white sugar, opt for naturally sweet foods, such as berries, apples, unsweetened applesauce and mangos, to make morning parfaits and smoothies or frozen deserts. And remember to consume whole grains rather than refined flours.
3. Get active three to five times per week
Highly healthy people keep moving. In order to keep your body mass index in a healthy zone, your heart healthy and your stress levels down, it is important to engage in cardiovascular and weight-bearing activities three to five times per week.
Pick something you love - or try something new! - such as yoga or Pilates, personal training or brisk walking.
4. Drink two litres of water daily
If you are feeling fatigued or bloated simply add more water to your daily regimen. Highly healthy people hydrate!
Whether you opt for water or herbal tea, it is critical that you take in two litres or more of hydrating fluids every day.
For an extra health boost, add freshly squeezed lemon or lime to your water to take advantage of their natural astringent effects.
5. Make time for bliss and joy
Let's face it - life can get so busy and cluttered that we often forget to make time for play and joy. Highly healthy people understand the importance of taking a break and engaging in activities that allow them to follow their bliss. Whether that means going for a massage, spending time with friends or taking an art class, be sure to find something that makes you lose track of time and enjoy life.
Commit to implementing these five tips for seven days straight and you're sure to notice a huge difference in your overall sense of physical and mental wellness.
Joey Shulman is the author of The Metabolism-Boosting Diet (HarperCollins, 2012) and The Last 15 (Wiley, 2007). She is also the founder of The Shulman Weight Loss Clinic. For more information, please visit drjoey.com or shulmanweightloss.com.
Colin D. Ford, Artistic and educational director for Kérastase Paris
"The biggest mistake women make is using the incorrect hair-care products for their hair style, which can leave mid-lengths and ends looking dry. A professional consultation will [determine] what hair-care regimen is best."
Hair advice that professionals swear by
Stacey Staley, Founder and creative director of Blonde in Toronto
"Make sure you're rinsing your hair correctly. That means spending between two and three minutes in the shower rinsing both your shampoo and your conditioner. Contrary to popular belief, warm water isbetter for rinsing products. Then, finish with a 60-second cool rinse to add shine."
Hair advice that professionals swear by
Danilo, Global ambassador for Pantene and celebrity stylist
"Hair needs all the help it can get. It needs added moisture, emollients, supportive structures. Treat your hair like you do your skin."
"The tendency to want what we cannot have is universal, but a cut will sit better, last longer and be so much easier to maintain if you work with your hair type instead of fighting against it. With a cut that's customized, getting ready is so much simpler—and prettier."
Hair advice that professionals swear by
Kevin Mancuso, Global creative director for Nexxus
"People with really fine hair and lack of density should consider colouring their hair because they're going to benefit by swelling the hair fibre. If your hair is not damaged, you should consider double process, or single process with your own colour. When you damage the cuticle, you're going to lose some lipids, and that may be good for someone with fine hair looking for volume. Once the hair cuticle is lifted, the hair fibre can look nearly double in size."
For the baseball buff
If your partner already has a Blue Jays hat and jersey surprise him with this handsome—and darn right cute—blue jay pin. This tiny treasure will allow him to sport some pride on the lapel of his jacket or event suit.
For the Clean Freak
If the smell of synthetic pine won’t cut it for your man (you got a keeper) gift him with a car smell that's more refined, and customizable. Infuse his vehicle with his favourite essential oil blend to feel soothed, uplifted and refreshed while you're on the road.
For the gym rat
Do you lift bro? Well if your man does then headphones, sans strap, will make all the difference while he’s pumping iron. These wireless Jaybird in-ear bluetooth sport headphones are sweatproof, which means no slipping our of your ears, and offer a long battery life, eight hours, before it needs a charge.
For the coffee addict
Does your main squeeze appreciate a strong cup of coffee every morning? Buy him this french press with a cute little message, he’ll be sure to think of you fondly before he starts his day.
Brewed with love french press, $39.50, indigo.com.
For the fitness fanatic
This stylish little band automatically tracks steps, distance, calories and sleep. If your man is a triathlete this fitness tracker is swim proof and it also uses a replaceable battery (that lasts up to six months), so you'll have no hassle with daily charging after a training session.
For the fragrance aficionado
If your man has more than five fragrances, that he actually alternates between, that means he’s a fragrance guy. Try gifting him with the newest scent from Clean; Black Leather. The juice is a spicy blend of smoky musk, bergamot and black peppercorn.
For the bearded hipster
A freshly laundered man is something any woman can get behind, so consider this gift a win win. Give him this trio of male grooming essentials: facial cleanser, beard conditioning shave lube and beard oil.
For the music man
If your paramour is into his beats and always on the move gift him with this retro looking amp shaped portable speaker, the smallest from the music minded brand. It’s got a rechargeable lithium-ion battery that will allow him to blast his tunes for a solid 25 hours before needing a charge.
Your body needs some sugar to function, but Canadians, who consume the equivalent of 26 teaspoons of the sweet stuff every day, are probably overdoing it. We break down what too much sugar does to your body, and how you can cut back.
Good news for those with sweet tooths: Glucose is our main source of fuel, so, yes, we actually do need sugar in our diets. But don't get too excited— they're not all alike.
"All carbohydrate-containing foods, whether candy, pop, fruit, vegetables or grain products, break down into glucose in our bloodstream," says Patricia Chuey, a Vancouver-based registered dietitian. "But our bodies respond differently when we get sugar from nutrient-dense, fibre-rich foods, eaten as part of a balanced meal that contains protein, compared to 'empty' calories from zero-nutrient, fibre-less foods."
Those carb-heavy, low-nutrient foods cause our blood-sugar, or glucose, levels to spike, triggering the release of insulin in response. One of insulin's jobs is to move glucose from the blood to our liver, muscle and fat cells for storage, and when there's more in our bloodstream than what our bodies need for energy, it can end up as stored fat—"even though fat, per se, wasn't consumed," says Chuey. That's partially why excess sugar consumption is linked to fatty liver disease, as well as Type 2 diabetes and heart disease. Fibre-rich, nutrient-dense foods, on the other hand, break down more slowly, so they don't cause as much of a blood-sugar spike, or the resulting weight gain.
That doesn't mean you have to skip your favourite sweet indulgences entirely. What we know today is that moderation is key—a little sugar won't hurt you.
But, for the most part, Canadians are not consuming a little sugar. According to Statistics Canada, on average, 22 to 26 percent of our total daily caloric intake consists of sugar. Put another way, that's an average of 110 grams, or 26 teaspoons, per day. And it's not just how much; experts are also concerned about where it comes from.
"Whole foods that are sweet, like fruit, can be good sources of vitamins, minerals and fibre, which can contribute to overall health," says Gita Singh, a research assistant professor at the Friedman School of Nutrition Science and Policy at Boston's Tufts University.
It's added sugar, regardless of the source, that's the problem. You'll find it in processed foods, such as many breads, soups, salad dressings and pasta sauces. And then there's pop, sports drinks and fruit drinks, which experts collectively refer to as sugar-sweetened beverages (SSBs). These drinks are among the top causes of obesity and its attendant ailments, which include heart disease, Type 2 diabetes, certain types of cancer and other chronic diseases. In fact, Singh coauthored a report published in the medical journal Circulation that estimates SSB consumption is partially responsible for the diabetes-, cancer- and cardiovascular disease–related deaths of 1,600 Canadians each year.
The fact that SSBs are a leading source of excess sugar in our diets is galling but encouraging. That's because the solution is straightforward: Stop, or at least cut back on, drinking them.
Chuey says you can further reduce the added sugar in your diet by avoiding convenience foods that list sugar (or maltose, corn syrup, cane sugar or honey) among the first three ingredients; swap your caramel macchiato for a latte; and top plain yogurt with fresh fruit. The less sugar you consume, the less you'll end up craving.
But when you do indulge, go all in. "Apply the pleasure maximization principle," says Chuey. "Make it really worth it! Not in terms of quantity, but the kind of quality that will really satisfy." So skip the soda fountain. But those homemade cookies? Enjoy!
YOUR BODY ON SUGAR
Click on image for larger view. Illustrations, thenounproject.com.
There are lots of table sugar subs on the market, but how do they stack up, health-wise?
Stevia: Zero calories per teaspoon
Stevia is a zero-calorie, fructosefree option.
Date sugar: 11 calories per teaspoon
Date sugar contains all the fibre and nutrients found in the dried fruit.
Coconut sugar: 15 calories per teaspoon
Made from the sap of coconut-tree flowers, coconut sugar has the same calorie count as table sugar, but it's lower on the glycemic index.
Agave nectar: 15 calories per teaspoon
Agave nectar is about 1 1/2 times sweeter than refined sugar, so you can use less. But it's high in fructose (hello, blood-sugar spikes!).