4 Ways to Afford Expensive Dental Work

In a nation that has focused a great deal of time and energy on finding affordable healthcare for all, oddly, there is quite a way to go before we can say that everyone has access to good dental care. In fact, a whopping 33.6% of Americans do not have any dental insurance at all. And given that dental procedures can be quite costly, this is leaving many people’s dental health totally in the dust. If you are looking for ways to afford costly dental procedures, the following is a list that should serve you well.

Dental Schools

One of the best ways to afford costly dental procedures is by visiting your local dental school. It is a little known fact, but dental schools often provide discounted or even free work to their patients. This is because dental schools are essentially using your mouth to train new dentists. However, do not be alarmed. All procedures are done under the supervision of a qualified dental professional. Therefore, you can get your work done and save a lot of money in the process.


While it may seem like their prices are set in stone, this is rarely the case. In fact, many dental practices will provide discounts to help their patients afford the dental care they need the most. If you need costly dental work and believe you will never be able to afford it, visit a local dentist to see if they are willing to negotiate. On rare occasions, you may even find a practice willing to accept your payment on a sliding scale.


Another option is financing. Many dental practices work directly with financing companies to offer patients the chance to receive their much-needed dental care. Often times, these companies will provide you with financing with little to no interest for a specified period of time. This is a great option for those who have decent credit and need thousands of dollars of dental work completed.

Smile Makeover Contests

Lastly, you may have already heard of a smile makeover contest in your area. If not, these contests are often used as a way for dental practices to get publicity and give back to the community. In general, a participating practice will choose one recipient each year. The winner gets to receive all their much-needed dental care for free. All the winner typically has to do is enter the contest and agree to allow the practice to use their pictures for promotional purposes. This is a great way to get your dental work completed if you do not have many other options, or even if you do.

Dental work can be highly expensive. However, by trying to suggestions on this list, you are likely to find an affordable way to finally get your teeth fixed for good.


Day-to-Day Decisions That Will Make You Money

What do you do when you want to save more money? If you’re like most people, you hop on the Internet to get some ideas. It’s a great way to brainstorm, but there’s just one problem: these tips always involve cutting out your morning coffee to set aside extra cash.

While choosing to brew your own coffee could save you more than $1,000 a year, it isn’t the only way to adjust your budget. This is good news to any bean heads.

If coffee is one of the few pick-me-ups in your day, don’t skip it. Try these other tips to limit spending and boost saving.

Cut the Cord

Still watching shows the old-fashioned way? Cancel your TV package and you stand to save hundreds of dollars a month.

But don’t worry, you won’t have to give up on your favourite shows or movies. With subscriptions services like Netflix, Hulu, and HBO, you can catch up on Game of Thrones for a fraction of the cost of cable.

Switch up Your Commute

Do you start the average workday by jumping into your car and peeling out onto the roads, only to get stuck in traffic? Your long commute to and from work could be costing you.

If it’s possible, try walking or cycling to work. They’re free, and they’re a lot less stressful than driving through gridlock. If you live too far away to walk or bike, try carpooling with others. You’ll have a friend to talk to who splits the bill of parking and gas.

Stop Paying Banking Fees

How often do you get dinged for taking money out of the ATM? Or what about just keeping your money in a chequing account? The big banks have service fees and minimum monthly balances that eat into your bottom line.

Although bank fees may feel like an unavoidable charge, you can escape them by switching to a credit union. A credit union is a cooperative approach to banking that shares the profits with its customers. Rather than raising fees each year, a credit union maintains affordable daily banking services with higher interest rates on deposits.

To find out more about how a credit union can offer the same banking services at a lower fee, stop by a First Calgary Financial location to talk with a specialist.

Skip the Gym

Working on that beach bod? Your hopes and dreams for 6-pack abs could be draining your savings.

Although it may only cost you roughly $50 a month, this adds up to $600 a year. This is a lot of money considering most people with memberships don’t go to the gym at all.

By skipping the gym altogether, you stand to keep more money in your pocket — but without sacrificing your health. You can stay active without the gym. There are plenty of free apps and videos that walk you through cardio workouts, weight training tips, and specific exercises such as yoga and Pilates.

Find Savings Where it Makes Sense

If you enjoy your daily coffee too much to give it up, then don’t! Take a sip and savour that sweet, caffeinated beverage.

Saving is all about sacrificing some things to afford others. If you keep your daily coffee, find another daily expense you can easily live without. Start with cable, banking fees, or a gym membership, but don’t stop there. Look to your budget to find unique expenses you can cut out, so you can keep fun treats and save, too.

Leonard Daniel Wong

Leonard Wong Toronto – Raptors Throw Offers to Kawhi Leonard

Leonard – Wong – Toronto Raptors – Kawhi Offered Penthouse and Food for Life to Stay in Toronto

Leonard Daniel Wong

On May 29th Natalie Wong of Bloomberg reported that Leonard Kawhi of the Toronto Raptors was offered a penthouse condominium and food for life as an incentive to stay in Toronto.

Rumors of the super star basketball player are floating all around North America as the 2019 NBA finals come to an end. The quiet and humble basketball player has drawn comparisons to Michael Jordan and LeBron James as perhaps the best or one of the best basketball players in history.

It’s not over yet but with a leg up in the best of seven series with Toronto having home court advantage and already protecting game one for home court advantage means well; but it isn’t over till its over. To put down the Golden State Warriors 4 -time reigning championship team who have also been to the finals one other time in the last 6 years it will take a lot of hard work.

It is not just one single player that makes a champion but rather a team of well seasoned group members that will make a difference. Someone must step up and eventually dethrone a mainstay and consistent winner eventually. Americans, fans and pundits alike have mixed feelings. Does the U.S. support a perennial champion or do the go for the under dog? It seems like no one, but the Americans can be a dream team and win the NBA finals championship especially not an international team from foreign soil. After all its not a past time but a beloved game that was invented in the U.S. of A. They may or may not know it was created by Canadian James Naismith.

History repeats itself and times change. The Raptors are Canada’s team and not just that of Toronto. Everyone in Canada including the haters of the mega city are jumping on the band wagon by now and they will be endeared even more with one more win at home.  And finally, if Leonard and playmaker Kyle Lowry have their way, they will want to finish the job and cement their place in history as a team against all odds and a nation of new lovers and old-fashioned haters.

It’s the best of seven and as Canadian hockey fans know and understand this type of series. And will not make bold predictions for the outcome of its full and final finish they would love to see and be part of history in the making.

Canadians are quiet and humble just like Kawhi. But we carry a big stick made of Canadian hardwood lumber. And when its time to fight we will not shy away or back down from what is right. In game 2 and in the rest of the NBA Championship series at home or abroad the gloves are off, and we will dance with one that brought us. Even a near championship is an amazing feat of heroics most gamblers, bettors and basketball fans could not imagine. It’s a team game and we are thankful and grateful to see some of the best basketball played ever in the country. Mr. Naismith the father of the sport is on our side win or lose.





Save Money By Taking Care of Your Health Issues

There are a few different ways to think about saving money. Maybe you want to put more aside from your typical paycheck. Perhaps you want to cut back on the number of expensive groceries that your purchase. Maybe you’re thinking about getting rid of some of the luxuries that you spend money on that aren’t specifically necessary to living a satisfying existence. But beyond those typical perspectives, there is another way to think about saving money, and that is by taking care of your health issues as a type of preventative maintenance.

Think about all the ways that you can save money by paying attention to health issues and dealing with them before they get expensive. You can make sure that you sign up for the right health insurance to keep those costs down. You can invest money in your eyes – figuring out what surgeries you can get or paying attention to different eye health options can have a tremendous amount of cost savings over the years. And, you can have good nutrition and exercise habits, thereby preventing some of the expensive conditions that can happen later on in life from not taking care of yourself.

Signing Up for the Right Health Insurance

It can be difficult these days navigating the healthcare industry. But, if you want to keep costs somewhere manageable, it’s essential that you sign up for the best health insurance plan that suits your needs. You have to pay attention to things like premiums and deductibles, and then you can look into details like co-pays, out-of-pocket expenses, and other items like that. You want to find the right balance of paying for insurance so that costs further down the road don’t exceed what you’re capable of paying.

Investing In Your Eyes

How much money do you typically spend on your eye health? If you wear glasses or contact lenses, that number can seem like it gets excessively high. If you talk to an eye care specialist, you may find out that there are options for you to reduce some of these costs over time. There are different surgeries that doctors can perform on your eyes that can make it so that you don’t have all of the expenses associated with eyeglasses and contacts anymore. Talking to a specialist for a free consultation is a good step in the right direction. You can save thousands of dollars over the years by taking care of your eyes in this way.

Keeping Good Nutrition and Exercise Habits

Have you ever noticed that when people get older, their health appears to deteriorate? If you talk to them, they speak about how many bills they have to pay and how expensive it is to take care of the health conditions that they have. They say that hindsight is 20/20, but the fact is, you know that your health is going to get worse as you age. Because of this, if you want to reduce the expenses that are naturally going to occur, then you have to start paying attention to your nutrition and exercise habits now! No matter how old you are, if you have a goal of achieving healthy food and exercise habits, that will pay off as an incredible return on your investment later.

Is a Personal Loan Right for You

We all need a cash infusion from time to time, for our dreams or for unforeseen emergencies. Obtaining a cash loan can be done in several secure, safe, and sane ways. Often the easiest way is through friends and/or family. And, or course, most people have at least one credit card that they can use when there’s a need. But have you considered the advantages and the convenience of a personal loan? According to lending firm LoanStar, “In some quarters a personal loan is not considered conventional enough, but when done right is can be completely safe and uncomplicated.”

So just how exactly does a personal loan work? It’s not a credit card, which charges you variable interest and comes with a fluctuating payment schedule that can be very confusing and arbitrary. With a quick personal loan you can borrow a prearranged amount of cash with one fixed interest rate for the length of the loan, and your payment schedule is also predetermined. There’s no unpleasant surprises, like a ‘balloon’ payment at the end of the loan period. Monthly payments are agreed upon ahead of the actual loan, so you know exactly what you’re getting into and budget accordingly.

Another plus for personal loans is that they normally come with a much lower interest rate. It depends mainly on credit scores and credit worthiness. The normal APR on a retail credit card has zoomed to more than 17 percent; but for most personal loans the APR is still at about 4 percent — that is, if you’ve kept your credit rating good.

Please remember that when it comes to personal loans, there are only two types — unsecured and secured. Most personal loans are unsecured, which means you do not have to offer any collateral in order to secure the desired amount of capital. Naturally, this is the most popular type of personal loan — it requires less paperwork and less interference from outside agencies. A secured personal loan, on the other hand, requires some kind of collateral, like your car, in order to secure the loan amount. Most people find it distasteful to put up an asset, but it should be mentioned that a secured personal loan usually has a much lower interest rate than an unsecured personal loan. So keep that in mind when mulling over your options.

One of the most popular uses of unsecured personal loans is for debt consolidation. People who have become mired in a high interest rate credit card swamp of debt can find it nearly impossible to pay down the interest, let alone the debt itself, without some outside help. Exchanging a low interest personal loan debt for a vampire-like high interest credit card debt simply makes financial common sense. Once this is done it becomes possible to make a personal budget that is not subject to the whims and sudden changes of high interest credit card payment demands. It can really bring peace of mind.

If you decide that working with a personal loan company is right for you make sure you check their originations fees and any other service fees associated with your personal loan before signing on the dotted line. These fees are usually very modest, but it never hurts to have everything out in the open before committing yourself. It makes for a happier and more productive loan experience.

4 Programs That Help Seniors Afford Home Repairs

Many seniors in Canada struggle to afford home repairs and adaptations. Nearly 7% of the country’s 250,000 seniors are living in poverty and 19% are living just above the poverty line. Many service providers such as Affordable Air & Heat offer financing for repairs, but not all do. Even when financing is offered, many seniors still do not qualify.

Fortunately, there are several grants available that can help seniors pay for necessary home repairs and adaptations.

1. Home Adaptations for Seniors’ Independence

For home adaptations, the Canada Mortgage and Housing Corporation provides grants to low-income seniors through its Home Adaptations for Seniors’ Independence program. These grants can be used for adaptations and minor repairs that will help seniors “perform daily activities in their home independently and safely.”

Seniors may qualify for grants up to $3,500.

Seniors must be considered low-income, aged 65 or older and have experienced an age-related loss of ability. All adaptations and repairs must be permanent, improve physical safety and improve access to the home’s facilities.

2. Senior Citizens Assistance Program

Seniors living in the province of Nova Scotia may qualify for the Senior Citizens Assistance Program, which offers grants up to $6,500.

The program helps seniors aged 65 or older make repairs that will allow them to stay in their homes. The funding covers repairs that are vital to health and safety, including: plumbing, roofing and heating. Cosmetic home repairs are not covered by the grant.

To be eligible, seniors must be aged 65 or older, have owned and lived in their homes for at least a year, and have a total household income that is below the established income limit. The income limit depends on the size of the household and where the senior lives.

3. Provincial Home Repair Program

The Newfoundland and Labrador Housing Corporation (NLHC) offers the Provincial Home Repair Program (PHRP) that helps low-income homeowners make repairs and bring their homes up to fire and life safety standards. Repairs can include plumbing, heating, electrical, foundations, doors, windows, siding and roofing.

This particular program does not cover accessibility changes, but the NLHC does help with this through their Home Modification Program (HMP).

To be eligible, homeowners must be considered low-income and have owned and lived in the home for at least five years.

The funding is available in the form of a forgivable and repayable loan. Forgivable loan funding limits are $5,000 and $6,500 in Labrador. Repairs exceeding this amount can be covered under a repayable loan up to $12,500 and $15,000 in Labrador.

4. Emergency Repair Program

The Emergency Repair Program (ERP) is available through the Canadian Mortgage and Housing Corporation (CMHC) for low-income, on-reserve households to make emergency repairs.

To qualify, the homeowner must be a First Nation member living on-reserve and have a household income that is within or below the established range for household size and region.

The program covers a wide range of emergency repairs, which can include heating systems, foundations, exterior walls, roofing, flooring, electrical and wiring systems, and plumbing problems. Grants of up to $20,000 are available for repairs.

5 Car Problems You Should Never Fix Yourself


There is a plethora of information on the internet about how to fix problems with your car yourself, but it doesn’t mean you should DIY your auto repairs. You might think you have a rough idea of how to do the job, but it may end up costing you more in the long run to fix your mistakes. While things like changing a tire or your oil can be done yourself, these are five things you should always take to a professional.


  1. Shock Absorbers

Many automobile aficionados like to think they can fix the suspension on their vehicles and replace the shock absorbers on their own. Malfunctioning shock absorbers pose a serious safety hazard for your vehicle, and could make it unfit to drive. Climbing underneath your car to replace shock absorbers can be dangerous and many people have sustained injuries trying to remove old shock absorbers without the proper equipment. Furthermore, it can be difficult to tell a shock absorber from a strut.


  1. Windshield repairs

Ads for quick windshield fixes make repairs on this part of your vehicle look deceptively easy.

You just squirt a little epoxy or other gunk into a chip or crack in your car’s windshield and it magically looks brand new again right? Wrong. A cracked windshield is a serious safety hazard that needs to be taken to a professional and repaired immediately. Taking action quickly can save your windshield from having to be replaced entirely. Attempting to fix a chip yourself could make the crack larger and cost you more in the long run.


  1. Transmission

The transmission is one of the most complex parts of a car. It contains thousands of complex parts that play an important role in engaging the car to move forward or drive in reverse. Because of this, it should never be replaced by anyone but a professional mechanic. Choosing to repair your transmission yourself could have disastrous results. Unfortunately, transmission repairs and replacements are pretty pricey, but undertaking this complicated repair or replacement oneself will probably be unsuccessful.


  1. Brakes

The brakes are the most crucial safety feature of your vehicle. They aren’t that hard to replace, but the margin for error is still there, and getting this particular repair wrong can have disastrous results. Repairing the brakes involves calipers, rotors, wheel bearings and brake fluid. Get any one of these wrong and you could be putting yourself and the other occupants in your car in jeopardy. For peace of mind alone, it’s probably better to leave this job to a professional.


  1. Fuel pump

The fuel pump is a delicate and precise piece of equipment, and is very expensive to repair. It may be tempting to try to repair this yourself, but getting the repair wrong can lead to failures in your vehicle that may render it completely unusable. If you want to hold onto your car for a lot longer, it would be best to get a mechanic to do this repair or replacement.


When it comes to repairs on your vehicle, it’s really always best to have a professional look at any problems you may be experiencing. If you’re feeling stressed about repairs your vehicle needs, check your insurance policy. You may be surprised at what your policy offers. If your policy is lacking, compare it to other car insurance quotes to make sure you’re getting the best price possible.

4 Ways to Save Money on Home Repairs

Home repairs are a key reason many homeowners have an emergency fund. When an emergency strikes, you need to be able to protect one of your largest investments. If a repair isn’t an emergency, you’ll be able to take your time and save even more money on your repairs.

How can you save money?

1. Call Around and Ask for Quotes

If you have repairs that you’ve been putting off, sit down and write down a list of the repairs you need to make. Do-it-yourself repairs will require you to sit down and determine all of the materials you’ll need to make the repair, including tools.

Once you’ve done this, you’ll want to call different hardware stores and check online for the best price possible on materials.

But if you want to call on a professional, don’t be afraid to call multiple professionals and ask for a quote. You need to know the going rate for all of the repair work you need complete, and this is the absolute best way to determine local, fair pricing.

2. Manufacturer Rebates are Your Friend

Being frugal pays off in the long-term. Manufacturer rebates allow you to save a lot of money on home repairs, and if you buy expensive equipment, this can mean thousands of dollars in savings.

Ask retailers about any rebates that may exist, or call the manufacturer directly.

Incentives often include products that are environmentally-friendly, so if you keep the environment in mind when making your purchase, you’ll be able to save money in the process.

3. Search for Deals from Contractors

If you plan on hiring a contractor, don’t be afraid to scour their site for deals. You’ll find contractors or service providers won’t tell you the deals they’re offering unless you ask or find them yourself.

I opt to try and find deals before negotiating on price.

You can do a quick Google search for the company name and “discounts” or “coupons.” I did a quick search on Miranda, and I’ve found savings of $30 on a variety of services. Some service providers will openly promote these deals on their website, too.

If you happen to see a deal, print it out and have the website available on your smartphone for further validation.

4. Qualifying Tax Credits May Exist

Tax credits often exist for home improvement and remodeling projects. These deductions can be significant in the long-term, and you can often find out how much you’ll save by checking out the latest rebates and credits.

Every country is different when they offer tax credits, and your country may not offer a tax credit at all.

New homeowners, and this can extend up to four years for Canadians, may also be able to apply for a tax rebate. These rebates may not lower your repair bills, but they’ll be able to offset costs, which is a welcomed money-saving opportunity.

If you wait too long to make a repair, you also risk causing further damage, which is costlier in the long-term. So, stop putting off those much-needed repairs and start saving on potential future repairs.

3 Tips for Lowering Your Electric Bill in the Heat of Summer

Although everyone who rents or owns a home has to pay the bills each month, that doesn’t mean that getting the bill in the mail and seeing how much you owe grows any easier as time goes on. In fact, when the hot or cold months roll around, it often gets ever harder to live with that bill, since it’s usually going to be higher for most of us.

Luckily, there are quite a few things you can do to help yourself and your family consume less energy, and therefore pay a smaller bill during these peak times. Here are three tips for lowering your electric bill during the heat of summer.

Take Advantage of Your Windows

In the summer, it’s not only the exterior temperature that can heat up your home and compel you to use more electricity to stay cool. According to Amanda C. Haury, a contributor to Forbes.com, the sun glaring through your windows can also cause your home to heat up more than you’d like.

Knowing this, it’s a good idea to use your windows strategically. When the day cools off and turns to night, open your windows so you can let some of that cooler air inside and help offset the use of your air conditioner. Once the heat of the sun picks up again in the morning, close your windows and close heavy blinds over them to block out the sun and its heat.

Be Careful with Your Temperatures

Although you might like to keep your home very cold in the summer for relief from how it feels outside, you’re going to be paying a lot of money if this is how you choose to set your thermostat. But if you’re hoping to lower your bills, you’re going to want to be careful about which temperatures you choose to set.

According to Chris Bibey, a contributor to Money Crashers, you shouldn’t set your air conditioner to kick on any lower than 78 degrees. This might sound a bit warmer than you’d like, but it will still help to keep you cool inside while saving a lot of money on your monthly power bill.

Use Proper Insulation

To ensure that you’re able to keep the hot air out of your home and the cool air inside, it’s essential that you keep the proper amount of insulation in your home. According to Austin Lichtenstein, a contributor to Smart Energy, you can also use caulking or weather stripping to seal off any location in your home where you discover leaks may be occurring.

If you’re looking for a few ways you can stay cool this summer without having to bring home large energy bills, consider using the tips described above to help you do this.

Recovering from Financial Setbacks

There are many ways that people can slip into a bad financial situation. Unexpected expenses, such as medical bills and car repair bills, can take us by surprise. People may not receive expected income due to job loss or cutbacks. While all of these situations are stressful, they certainly aren’t the end-all. There are ways you can recover from financial setbacks and get your life back on track.

Getting Back On Your Feet After Bankruptcy

In some unfortunate circumstances, you may need to file for bankruptcy. If this is the case, don’t beat yourself up about it. Many others are in the same boat; 1.37 million Americans filed bankruptcy in 2011. Use this as an opportunity to re-evaluate your expenses and learn from the experience to avoid making the same mistakes again in the future. Pinpoint what caused the bankruptcy in the first place and work to find a solution. If you weren’t good with planning your expenses, consider setting a budget. If you had an emergency expense, such as a medical bill, you might create a savings plan in case something like that happens again. Finally, bankruptcy can take a toll on your credit. Therefore, it is important to reestablish good credit.

If you find that you need a bit of cash right away, consider using a service such as Eastern Loans, which provides payday loans in Canada. Companies like this can let you borrow a few hundred dollars to use for any immediate expenses you may have. You then can pay them back over the period of a few months.

Repairing Your Credit Score

Take out a couple credit cards and make sure to pay them on time every month in order to build your credit back up. If you are unable to get a credit card, try applying for a secured credit card instead. With these cards, you pay a deposit, and your credit limit is determined based on your deposit amount. This is a great way to build credit if you find getting a traditional credit card is not an option. It might take time, but eventually you can improve your credit score so it’s as good as it ever was. Obtain your credit report and double check it to make sure all information is correct. While you cannot erase accurate negative information pertaining to your credit, you will want to fix any incorrect records that might exist. If you find inaccurate information, speak with the company that the payment (or lack of payment) applies to so they can take steps to fix it.

If you suffer from bad credit, but find yourself in a situation where you need to make an important purchase, such as that of a vehicle, purchase from a company that will help you out a little. For example, Auto Auction Mall will let you finance a car with bad credit, which will allow you to have the assets you need to keep living your day-to-day life.

Dealing Emotionally and Mentally

Finding yourself in a bad financial situation can be stressful, to say the least. In addition to getting your finances back in order, it is also important that you take care of your own mental health when situations like this arise. Don’t overreact or make rash decisions. There isn’t going to be a quick fix, so don’t splurge on things such as a lottery ticket in hopes that it might solve all of your problems. Instead make logical, rational decisions about how to handle your finances from here on.

Don’t be afraid to reach out to others for emotional support. Sometimes just talking through things can help you feel better. You might also consider getting some professional help from counselors or financial advisors. These people are trained to help you feel better about your financial situation in the future. Also, make sure you are still taking good care of yourself by getting enough sleep and eating well. Being physically healthy can help you stay mentally healthy, and it helps you maintain the skills you need to address these financial setbacks. Finally, don’t beat yourself up. While this isn’t a fun situation to be in, you are not alone. Many people face financial problems in their lifetimes and are able to recover just fine.