The prospect of talking to kids about money makes some parents uncomfortable — and with good reason. Many of us grew up hearing that it’s rude to openly discuss finances, while others may feel they lack the knowledge to teach financial skills. But, according to 95 percent of Canadians surveyed for the CPA Canada 2014 Canadian Finance Study, teaching children about money management at a young age increases their likelihood of financial success.
So what's a money-shy parent to do? Here are a few simple, age-appropriate activities and conversation-starters you can bank on, just in time for the Canadian Foundation for Economic Education's "Talk with Our Kids about Money Day," on April 15.
Preschool/kindergarten An outing to the grocery store is right on the money for this age group. Be sure to take cash along and begin with an explanation of where it comes from: Mom and Dad earn money by working so they can pay for the family's needs, save for the future and hopefully buy a few fun things, too.
Put that knowledge into action by heading over to the cookie or ice-cream aisle. Let kids choose one item within given parameters — say, under $5 and with a "sale" tag — for a memorable introduction to strategic shopping. When I did this with my son when he was younger, he spent about 10 minutes looking at every single frozen treat available to weigh his options – he was so thrilled to be given the power to choose. Honestly, you'd think it was a life or death decision!
For an added lesson at the checkout, help kids count out the bills and coins for payment and whatever change they get in return.
School age If you don't already give your child an allowance, it's a great time to start. Even a Toonie a week can help kids at this age begin to learn about money management and delayed gratification. The key is to help them take charge of their spending in a specific area — for example, their collection of hockey cards or stickers. As a side benefit, you have a built-in response every time your child asks you to buy that item: "No, that’s what your allowance is for. If you don’t have enough money now, save up until you do."
Tweens With summer break on the way, ask middle schoolers to consider casual employment such as walking a neighbour's dog, babysitting or yardwork. As a motivator, figure out how many hours they'd need to work to save up for a coveted item. A weekly three-hour babysitting gig, for example, may be all it takes to earn enough for the purchase by summer's end. (If your budget allows, you might also consider matching their earnings as an extra incentive.)
Teens Any iPhone fans out there? Now that you’ve got your teens' attention, ask them to guess how long it would take to pay off (and how much interest they'd pay) on a new iPhone 6 if they paid for it by credit card, making only the minimum monthly payments. Then use an online payment calculator (like this one) to show the scary reality of double-digit interest. Spoiler alert: at a cost of roughly $1,000 (including tax) for the phone, it would take a full decade to pay off the balance, and they would have paid $1,800 — nearly double the original price.
Tamar Satov is a senior editor at CPA Magazine and blogs about Raising Money-Smart Kids as part of CPA Canada's financial literacy program. CPA Canada actively participates in the effort to improve financial literacy in Canada. Visit CPA Canada’s website to learn more: www.cpacanada.ca
To cook shrimp in a skillet, heat oil (or butter) over medium heat. Add your peeled shrimp, stirring occasionally, until the shrimp turns pink and opaque, which should take anywhere from 4 to 7 minutes depending on the size of your shrimp and the heat of your pan. As soon as the shrimp is pink and opaque on both sides, remove the shrimp from the heat or it will very quickly go from perfect to overdone.
Here are 7 things to avoid when cooking shrimp:
1. Using shrimp that’s past its prime: All protein tastes best when it’s super fresh, but that’s a real non-negotiable for shrimp. Fresh shrimp should be used within 24 hours, as should thawed shrimp. If you’re not sure when you’re going to consume the shrimp, it’s best to buy it frozen so you can take it out as needed.
2. Over seasoning: Shrimp is naturally quite salty, so make sure not to over season it. Taste as you go and err on the side of under seasoning. You can always add a little pinch of salt if needed, but it’s much harder to take one away!
3. Cooking shrimp that hasn’t been completely thawed: Shrimp must be completely thawed before cooking. If it isn’t, you’ll end up with a watery, unappetizing mess. Once your shrimp has completely thawed, you can pat it dry with a paper towel before cooking. This will remove excess water and give your shrimp the best possible texture.
4. Low heat: Make sure the shrimp starts searing away when it first hits the pan so it doesn’t simmer instead of searing. Medium heat is as low as you should go!
5. Keeping the tails: There is a time and a place for keeping shrimp tails attached (think shrimp cocktail) but when eaten as part of a dish, it’s easier and less messy to not have to deal with the shrimp tails at all.
6. Forgetting to properly peel and unvein the shrimp: Although most of us are well-aware of where our food comes from, finding a piece of shrimp shell or a black vein (which is basically the intestinal tract of the shrimp) is not incredibly appetizing — and it doesn’t taste good! Make sure to evenly peel the shrimp and devein it before using. Even when shrimp is labelled as deveined, it’s a good idea to quickly check each one just to make sure it’s been adequately cleaned. 7. Buying previously cooked frozen shrimp: Shrimp which has already been cooked and then frozen might seem like a great time-saver, but it really does not have the best texture. It’s more watery and usually doesn’t taste that great. Always opt for unpeeled, uncooked frozen shrimp if you're not buying it fresh from the fish counter.
Want an in-demand job with a healthy future? Look no further than the skilled trades in Canada. "There is an incredible amount of opportunity in the trades industry in Canada right now," says Peter Harris, editor-in-chief of Workopolis, who reports on trends and changes in the Canadian job market.
"Trades workers need not be subject to the boom-and-bust cycles of provincial economies, because trades jobs are evergreen and also come with a great deal of freedom of mobility," he says. For example, in every city across the country, homeowners are always looking for reliable, affordable work on their homes: renovation, plumbing, electrical, roofing and more, says Harris.
Positions in the skilled trades offer another bonus: These roles are far more insulated from being sent offshore and to automation, says Harris. "[These are] the two biggest threats to many career paths," he says. Furthermore, Canada faces a shortage of one million tradespeople by 2020, as many people in that field will be retiring, he says. "The average age of welders is 57, and large numbers of trades workers across the board are also into their 50s."
Defining the "best" trade is highly subjective; it depends on where you live and what you consider most valuable: lots of demand, high pay, flexibility to set your own hours or whatever you feel is vital to a good job. That said, based on the job opportunities being posted online in the skilled trades, Harris says the most sought-after employees are in these five vocations.
1. Construction workers Whether it be working on new home construction, infrastructure (like roads) or commercial enterprises, construction workers are in high demand in Canada. Construction is considered a cornerstone of Canadian industry and it represents about seven percent of the Canadian workforce, according to the Canadian Construction Association. While positions may be plentiful, construction work is often seasonal and contract-based.
2. Vehicle repair In the past year, the number of job postings for the mechanic trades has spiked 94 percent over June 2013, says Harris. As anyone who has ever owned a car knows, auto mechanics tend to be perennially busy. According to Human Resources Skills Development Canada, this job is also called automotive service technician, helpful keywords if you're searching for post-secondary education programs, which tend to use this title instead of "car mechanics."
3. Maintenance worker Although maintenance work comprises a very broad array of specialties, these jobs are in high demand across the country, says Harris. Not just hands-on repair (although it can include these skills), maintenance work encompasses operations, planning and information management skills as well. These jobs are posted under a variety of names, such as maintenance technician, maintenance mechanic, maintenance specialist and, of course, maintenance worker.
4. Electricians Electricity is vital to life as we know it in Canada. Licensed electricians lay out, assemble, install, test, troubleshoot and repair electrical wiring, fixtures, control devices and related equipment in buildings and other structures, according to Human Resources and Skills Development Canada. Electricians are highly sought-after in commercial, industrial and residential spheres. There are many positions open with electrical contractors, maintenance companies and industries, and there are also ample self-employment opportunities.
5. Heavy machinery operators (such as a backhoe, bulldozer) Wherever there's a freshly paved road or newly built construction, a heavy machinery operator isn't far behind. Operators work backhoes, bulldozers, graders and other heavy-duty construction vehicles. Another term that describes this trade is heavy equipment operator, which is the terminology post-secondary schools and colleges use to designate program offerings. Like construction work, these roles can be plentiful across the nation, but also tend to be seasonal.
Are you keen for quinoa? Here are 2 easy ways to cook quinoa that work every time you want to add this superfood to your recipes. The pasta method In a large pot of boiling water, cook quinoa until tender, about 10 to 12 minutes. Drain well. The rice method* *This method uses the 2:1 ratio of water to quinoa, for example, for every 1 cup of uncooked quinoa, you'll need 2 cups of water. In saucepot of boiling water, stir in quinoa; return to boil, cover, reduce heat to simmer until all the water has absorbed, about 15 minutes. Remove from heat; let stand, covered for 5 minutes. Fluff with fork. I like to have plain cooked quinoa on hand to add into a salad or use as a base for a vegetarian main dish, like our Quinoa Cakes with Lemon Yogurt Sauce but if you're looking for a sweet treat, check out our delicious Quinoa Oatmeal Chocolate Chip CookiesHow do you like to enjoy quinoa?
We polled family doctors from across the country, and they laid down the law on eight things they wish we'd do—or stop doing.
According to our panel of general practitioners, Canadians aren't always doing what they should to make the most of doctor visits—and skipping out on these crucial tactics could lead to a delay in diagnosing serious conditions. Here's what our experts say you should add to your patient checklist.
1. Stop feeling shy
Many of us hesitate to talk to our physicians about sensitive issues (think substance abuse or sexual health—or even gender identity). But honesty and openness are important, both for fostering a good doctor-patient relationship and for ensuring that you get the best care, says Dr. Laura Pripstein, medical director of the Sherbourne Health Centre in Toronto and a staff physician on the family health team. That's why it's OK to try out a doc before committing. Dr. Pripstein recommends booking an initial visit to see if your potential doctor is a good fit. "You want to see if this person seems like someone you can talk to, someone you feel comfortable with," she says. And if you don't think your doctor understands or respects your concerns, don't be afraid to find someone new. "If you feel you can't ask questions that might be embarrassing, you don't have the right provider," says Dr. Pripstein.
2. Don't come to your appointments unprepared
Get the most out of your time—and your doc's—by arriving at your appointment with a clear plan for what you want to discuss, says Dr. David Ross, an associate professor of family medicine at the University of Alberta in Edmonton. "It's good to have patients think about their problems from when the issue began, then look at it chronologically to the present," says Dr. Ross. Making a prioritized point-form list in advance helps ensure that you don't forget anything or mix up the order of events, he says. Then, work with your doctor to address the most serious issues first.
3. Choose your family doc over the walk-in clinic whenever you can
Yes, a clinic is convenient, but what we gain in easy access, we lose in familiarity. "I think it's really valuable if people can connect with a family physician who they'll be able to see long term, rather than just looking for the quickest way to access care," says Dr. Maurianne Reade, a physician with the Manitoulin Central Family Health Team in Mindemoya and M'Chigeeng First Nation, Ont. A family doctor will know your medical history and will keep it in mind when suggesting treatment—so, for example, if you've recently taken several courses of antibiotics for a UTI, your physician will likely look for a different course of action if you come in with another infection. According to the most recent statistics, about 4.5 million Canadians don't have a regular family doctor. If that's you, contact your provincial College of Physicians and Surgeons, or check to see if your region has an online registry (Ontario has Health Care Connect, while Quebec launched a web-based family doctor finder last year). "It's important to know that we doctors are privileged to share in your stories and to help you through difficult times," says Dr. Reade.
4. Share what's happening in your life
There's a reason your doctor wants to know where you're working, if you're dating and how the kids are—and it's not just because she likes you. (Though she does, we're sure.) Physicians need a picture of their patients' lives beyond their specific health symptoms and conditions, especially when they're first getting to know you, says Dr. Stephen Wetmore, the family medicine chair at the Schulich School of Medicine & Dentistry at Western University in London, Ont. "Doctors need to know these things to understand how your lifestyle and habits may be influencing your health," he says. So when you're talking about your exercise habits, your health history and whether you smoke, drink or use drugs, mention your employment status, family obligations and intimate relationships, too, says Dr. Wetmore.
5. Be a better googler
Doctors know you do it (hello, late-night web searches), but they would prefer you to ask about good sources of information, rather than going rogue online. They also want you to be honest about your fears if you've read something particularly upsetting. Physicians can't address your concerns or point you in the right direction if they don't know what your fingertips have been up to. "The thing we want our patients to do is ask us for the most reliable Canadian websites to go to as resources," says Dr. Heather Waters, an assistant professor of family medicine at McMaster University in Hamilton.
6. Don't think your symptoms are "no big deal"
If you've noticed you are having more headaches than usual or are sleeping more or are eating less, you might not think to tell your doctor—but you should. There's no set of rules for determining which symptoms are worthy of investigation or discussion, says Dr. Wetmore, but make a note to mention anything that is new or has changed since your last appointment. "You should bring up things like sudden weight loss or fatigue that seems excessive," he says. "It could be a sign of a larger problem, or the cause of a developing problem." Evenif it doesn't end up being serious, seeing your doctor will help ease any anxiety you might be feeling, and that's worth the visit, too.
7. Talk about what you're taking
Tell your physician about any herbal medications and alternative treatments you take, says Dr. Mel Borins, a University of Toronto associate professor and author of A Doctor's Guide to Alternative Medicine: What Works, What Doesn't, and Why. It's important for patients to share what's working for them and for doctors to be open-minded about therapies outside their own practice or traditions, he says. This is also a concern when it comes to conventional meds, especially if you're pregnant; there are only 23 medications specifically approved for use during pregnancy— yes, out of every available drug—which can leave women feeling anxious about taking prescription or over-the-counter drugs when they're expecting, says Dr. Robyn MacQuarrie, an obstetrician-gynecologist in Bridgewater, N.S. But don't stop taking your meds as soon as your pregnancy test comes back positive. "It's really important to talk to your doctor instead of stopping cold turkey," says Dr. MacQuarrie. Physicians can help you determine the risks and benefits of using different drugs, and they can let you know when the effects of not taking a medication while pregnant may be worse than taking it— which is the case with some antidepressants.
8. Avoid diagnosing yourself
You know doctors don't like it when you come in prepared with a diagnosis you've made thanks to the aforementioned Dr. Google. But do you know why? It's not because they think you're encroaching on their territory! Rather, they worry that a serious medical problem might get missed or you'll cause yourself unnecessary anxiety over something not serious. That's because not everyone has the most common symptoms of a particular condition. Plus, men, women and different ethnicities can have varying symptoms for the same problem. For instance, Dr. Reade's community has a large proportion of people with diabetes, which can affect the warning signs of cardiac disease, a major killer in Canada. Instead of the usual pain or pressure on the left side of the chest or arm, men and women with diabetes may instead have spells of profuse sweating with weakness. And, of course, women who don't have diabetes can have differing symptoms, too; sometimes, a heart attack can feel like acid reflux or come with sudden nausea, vomiting and lightheadedness. So always tell your physician if your symptoms are surprising or strange—like a headache that feels different than usual, for example. And if you're worried about a specific diagnosis, be sure to bring that up, too.
While every Canadian faces his or her own unique set of health hurdles, there are a number of ailments that have become pervasive in Canada. Though medicine has advanced over the years, our modern lifestyles have introduced a new set of health challenges. Here are some of the top health problems that Canadians face today.