How Do You Refinance a Mortgage?

A mortgage pre-approval shows you what value of home you can afford, and the mortgage payments associated with it at various purchasing prices. It will guarantee a mortgage rate for a period of time, which will protect you against any potential rate increases.

Reasons to Refinance Your Mortgage

  1. Take advantage of low interest rates

Don’t let the penalties of breaking your contract deter you because breaking your contract for a lower interest rate can save you money in the long term (depending on the penalty and the size of your outstanding mortgage). Usually, if you have a variable rate mortgage, you will likely pay a penalty of three months interest. If you have a fixed rate mortgage, you will pay the greater of three months interest.

  1. Access equity (cash) in your home

If you refinance, you can access up to eighty percent of your home’s value, which is extra money for any investment opportunities, home renovations and more. There are several ways to access this equity which include:

 

  1. Consolidate debt

If you have enough equity in your home, you could pay out debt through a refinance. This is great for car loans, line of credits or credit card bills because you might be able to consolidate all of the debt through the refinance options available to you.

Methods of Refinancing Your Mortgage

There are actually several options available if you want to consider a refinance which are:

  1. Breaking your existing mortgage contract early

You could consider breaking your existing mortgage early only if you want to get a lower interest rate or to access the equity in your home. In this case, you will eliminate your existing mortgage and take on a brand new one with any lender of your choosing.

  1. Add a home equity line of credit

A home equity line of credit will give you access to the equity in your home at your own discretion. You will be responsible for the interest only payments each month on the outstanding balance. You can access a home equity line of credit either through your existing lender or through a small subset of other lenders.

  1. Blend and extend your existing mortgage

Your existing mortgage lender can offer you a “blended rate” which essentially means a blend of your current mortgage rate as well as any additional money that you are borrowing at current market rates. However, blended rates are usually almost always higher than most of the competitive mortgage rates out on the market, so make sure that you compare the blended rates against the savings if you break your mortgage, in order to make a worthwhile decision.

Costs of Refinancing Your Mortgage

The cost to refinance your mortgage will depend on the strategy you use to access your equity or to lower your interest rate. However, no matter the strategy chosen, you will have to deal with the legal costs that come with a lawyer, as they must change the financing on the title.

If your mortgage balance is over $200,000, most brokers and/or lenders will cover this cost. However, if you are breaking your mortgage in the middle of your term to access the equity or to lower the interest rate, your lender will charge you a prepayment penalty.

Peter Parvez sous les projecteurs, Montréal, Québec

L’emplacement de Peter Parvez à Montréal, Québec est ouvert depuis trois ans et demeure l’un des détaillants de mode pour hommes les plus branchés et accommodant de la ville. Peter Parvez se rend à Montréal chaque week-end et travaille dans ce lieu, ce qui signifie que c’est le seul endroit où vous pouvez prendre un rendez-vous avec Peter Parvez lui-même ! En raison de l’exclusivité de cet emplacement de Montréal, tous les clients sont tenus de prendre rendez-vous avant de venir pour un essayage.
Les visiteurs se rendant à l’emplacement de Peter Parvez à Montréal se voient offerts le privilège de rencontrer M. Parvez pour un essayage privé et approfondi avec l’un des plus grands noms de la mode masculine canadienne. La possibilité d’obtenir l’ajustement parfait avec l’aide d’un expert de la scène de la mode de Montréal est tout simplement trop belle pour la laisser passer. Les rendez-vous sont faciles à prendre ; une fois connecté à Time Centre, vous obtiendrez les dates où Peter est disponible. Il suffit de choisir n’importe quel jour et l’heure qui fonctionnent le mieux et votre rendez-vous sera réservé. Ne manquez pas cette occasion unique de parfaire votre style avec l’aide d’un professionnel de l’industrie!

Considéré comme une des villes les plus tendance en Amérique du Nord, Montréal abrite plusieurs créateurs de mode célèbres, mais aussi un grand nombre de résidents amateurs de mode. La ville de Montréal regorge de culture et d’une ambiance européenne omniprésente. On a souvent fait référence à Montréal comme au Paris du Canada et ce n’est pas difficile de constater pourquoi. Paris est une des villes les plus en vogue dans le monde et sa scène de la mode inspire le travail d’innombrables designers dans le monde. Montréal s’inspire beaucoup de la capitale française et lorsque vous rendrez une visite à l’emplacement de Peter Parvez à Montréal, vous pouvez voir vous-même la différence qu’une véritable inspiration peut faire.

Avoir des vêtements sur mesure est quelque chose que chaque homme devrait prendre au sérieux ; l’importance de bien paraître dans des vêtements bien ajustés ne doit pas être sous-estimée. Pour ceux qui entrent dans le monde des affaires, un costume sur mesure fera des merveilles pour vous aider à rester confiant et à faire une bonne première impression. Peter Parvez connait la mode masculine et un rendez-vous avec lui est ce dont vous avez besoin pour découvrir votre propre style.

Que vend Peter Parvez ?

L’emplacement de Peter Parvez à Montréal offre uniquement les plus beaux costumes ajustés, smokings et chemises habillées. Il y a de plus 2 000 tissus de chemises disponibles, ainsi qu’une gamme considérable de matériaux, de motifs et de couleurs. Les costumes sont disponibles dans plus de 200 tissus et dans une variété de différents matériaux, de coupes et de styles.
Tous les tissus de haute qualité de Peter Parvez sont vendus à des prix compétitifs, comparativement à d’autres boutiques de mode pour hommes de Montréal, offrant des marchandises de qualité inférieure à un prix égal ou supérieur. Chaque article vendu par Peter Parvez est fait sur mesure et personnalisé, selon vos propres spécifications. Il faut prévoir un délai d’environ deux à trois semaines, ce qui est très court par rapport à ce qui est offert par les autres tailleurs. Un service de livraison rapide est aussi possible avec des livraisons pouvant être effectuées au plus tard dans les cinq jours suivants la commande.
Peter Parvez se spécialise dans une variété de choix de vêtements tels que des costumes, des pantalons, des vestons sport, des chemises, des smokings, des foulards de poches, des cravates personnalisées, des manteaux longs, des jackets et des vestes.

Voici quelques-unes des marques notoires offertes par Peter Parvez:
– Vitale Barberis Canonico
– Scabal
– Loro Piana
– Charles Clayton
– Versace
– Reda
– Cloth Dormeuil
– Ermenegildo Zegna

Qui est Peter Parvez?

Peter Parvez s’est fait un nom comme le principal fournisseur canadien de vêtements sur mesure pour hommes. Ses racines vont jusqu’à Hong Kong, où, en 2013, il a commencé à vendre des costumes de qualité. Au fil du temps, Peter a mené son entreprise plus loin et a établi plusieurs emplacements partout au Canada. Depuis que son entreprise s’est développée si rapidement, il a acquis un nouveau surnom sur la scène internationale : « le couturier de Shanghai ».
Aujourd’hui, Peter Parvez possède des emplacements dans plusieurs secteurs d’affaires majeurs partout au Canada, ce qui fait de lui le choix idéal pour les travailleurs professionnels. Avec un ajustement en profondeur et une passion pour la mode masculine, Peter Parvez offre à chacun de ses clients des vêtements sur mesure et d’une qualité de classe mondiale.

Is Metal Roofing Worth It?

There usually comes a time of year when homeowners realize that they need to yet again spruce up their asphalt roofs because it shows signs of wear and tear. Constantly maintaining an asphalt roof can lead the homeowners to question whether or not it is time to buy new roofing material. One other sought out option is metal roofing. Metal roofing is used most often on residential, commercial and agricultural buildings.
Metal roofing is true to its name as it is composed of several metals – tin, aluminum, copper, and galvanized steel. Metal roofing is initially more expensive to install, but it is more beneficial in the long run.
A sure fire way to figure out if metal roofing is worth the additional cost is to compare it with other roofing materials.
Some of the benefits of metal roofing are:
Customization
The process of manufacturing metal roofing is fully automated, which allows for a more precise cut of the metal sheets. This added precision allows more creative licence for Green Metal Roofing Inc. in creating and delivering custom orders. This allows for a unique roof design such as Riviera, Prestige, Trapeze and Venice.
Environmental
The precision of the automated manufacturing process allows for a reduction of waste. In a blooming eco-friendly society, this is an added bonus. Metal roofs are install over existing shingles, which decreases waste in a landfill.
Longevity
Metal roofing is said to be made to last for 50+ years. In comparison to wood or asphalt roofing material, which will need to be replaced several times over the course of 50 years. It is known for lasting through various elements of the weather without any rotting, molding, cracking or chipping. Compared to tradition asphalt roofing material, which has a lifespan of 12 to 20 years, it is clear that metal roofing is more low maintenance.
More Colour Options
Green Metal Roofing Inc. offers customers a choice of seven colours for their metal roofing. There are various shades ranging from a rustic brown to a nice russet red depending on the personal preference of the homeowner.
Resilience
Metal roofs are known for withstanding all various types of weather and environmental disturbances such as heavy rainstorms, hail, snow, wind etc. The metal also is impervious to fire, and is resistant to any unwelcome pests and insect infestations.

Lightweight and Durable
Compared with roofing materials such as tile and concrete which roughly weigh about 750 to 900 pounds per square, metal roofing is lightweight at 50 to 150 pounds per square. Additionally, the materials in metal roofing are durable and malleable and can be bent into various shapes without cracking.
Temperature
Metal, particularly dark metals, reflect the heat from the sun which can keep the house cooler during the summer months – which can cut down costs of using air conditioning as much as you might use it for asphalt, tile, concrete or wooden roofing.
Overall, metal roofing could be the best choice for you home and give you that increased property value while providing you with all the other advantages as listed above. If you are interested in a quote or want to browse one of our stores visit us at our metal roofing website OR, at one of our locations – 3551 White Oak in London Ontario or, 1109 Derry Rd East Mississauga, Ontario L5T 1P3.

Are You Thinking of Renting Out your Cottage?

If you own a cottage property, you may be thinking of possibly renting it out for a short or long period of time. If this is the case, there are undoubtedly lots of questions floating around in your head. Who should I be looking to rent to? How much should I charge? When should I rent my cottage out? Is it even a good idea to rent my cottage out? Relax! There are answers to all of these questions. Renting out your cottage requires a lot of preparation, but it does not have to be a complete headache. Here are some tips that are sure to help you out!

 

Port Carling Water Front

 

Who should I rent to?

It’s very important to be careful in who you select to rent your cottage to. If you end up having problems with your tenants, it could lead to all sorts of trouble and unnecessary complications.

Good choices- your best choice is always going to be other family members, whether it’s immediate or extended family. You already know your family members and are 100% sure they can be trusted to take good care of your cottage. Friends are also a great choice for the same basic reason; you can trust them. However, you need to make sure your relationship with any friends or family members you choose to rent to is good. After all, mixing money with family or friendship can easily turn ugly.

If none of your family or friends are looking to rent, try to find either a younger couple or small family with kids. Both are likely to treat your cottage with respect and may even rent it for years to come if they find that it suits their needs.

Bad choices- complete strangers are always a risky choice, seeing as you know nothing about them. Also, if your cottage is quite large, try to avoid renting to large groups that are looking for the cheapest price possible per person. Instead, try to find a family that is willing to pay a little bit more.

How much should I charge?

You need to consider a number of things when deciding on how much to charge. First you need to factor in the cost of cleaning your cottage before and after the tenants arrive, and also the cost of advertising, which can add up quickly if it takes a long time to find a renter. Utilities and insurance costs are obvious expenses that need to be considered as well. Remember, even if you get the perfect tenants, your cottage is still going to experience general wear and tear, so you need to include maintenance and repair costs in your price. Lastly, make sure you consider your cottage’s location and adjust the rental price accordingly.

When should I rent my cottage out?

If you are looking to maximize your profit in a shorter amount of time, consider renting your cottage out during the peak summer season. Not only will this enable you to charge at a higher rate, but it also means your cottage will be available for your own use at less busy times of the year. If you see yourself being able to go longer without missing your cottage too much, then you might want to rent it out for not only summer, but spring and fall as well.

Remember, renting out your cottage doesn’t have to be an exhausting process. Make the right decisions and stay organized, and you’ll be all set!

Credit to Muskoka Luxury Real Estate – Muskoka & Port Carling Real Estate

Different Types of Professional Printing: Acrylic Prints vs Canvas Prints

The right printing solution can be the difference between a ho-hum image and one that does your photography skills justice.  Although both canvas and acrylic prints offer interesting and potentially captivating ways to display your pictures, they are vastly different in many ways.  It’s important to know what outcome each type of print will offer so that your end result is one in which you will be proud to hang or to offer to the public.   We’ve broken down various pros and cons of each option for you.

What is an acrylic photo print?

Acrylic photo prints are also referred to as Lucite, Perspex or Plexiglass (although these are just various name brands of acrylic.)  Prints can be achieved in one of two ways; either by direct printing onto the desired material, or putting the print onto paper first and then face mounting onto the acrylic surface.  The face mounting process is more expensive (as it’s more difficult to achieve than direct printing) but most customers who use this process faithfully consider it well worth the increased cost, as it offers greater colour vibrancy.  The face mount process means that the finished print retains the best of both printing on paper (colours do tend to look better when printed on white water of high quality) and the reflective quality that acrylic delivers.  Often viewers compare the vibrancy with this type of print to a 3D effect.

What is a canvas print?

Canvas printing is not a new technology, although the method by which it is achieved has changed and modernized.  It was first done by using an offset printing process, but now the majority of canvas prints are achieved through the use of dye sublimination or inkjet printers.  A canvas gallery wrap has become one of the most popular ways to display photos, partly because it’s a reasonably priced process and because it can give the image the look of an old fashioned oil painting.   A canvas print avoids the need for a frame and also for any photo mounting.   The canvas image simply wraps around a frame and can easily be hung.  They’re lightweight and versatile and can be found in both homes and businesses, although a canvas print won’t offer the same high resolution or vibrancy that an acrylic print can.

Part of your decision as to whether acrylic printing (face mount or direct) or canvas printing is your best option is entirely up to your preference.  Acrylic looks more sleek and modern, whereas canvas can offer an old world and romantic feel.  The mood you’re trying to capture with your photos will be best represented by one or the other.  There are other deciding factors that you should consider before you make your final choice.

Which print is more durable?

When it comes to durability, acrylic is the clear winner.  The acrylic surface provides moisture, UV and dust protection from getting to your print, whether you’ve decided on direct mount or the face mount method.   (The moisture protection is a bit less with a face mount option).  Although you can have your canvas wrap protected with a post print varnish, it doesn’t offer the same coverage that acrylic will.   When it comes to accidents, a canvas wrap, if dropped, will most often survive unharmed due to its light weight.  An acrylic print usually offers shatter free protection, but it can most certainly chip or crack if dropped, most often at the corners.  Both prints are susceptible to scratches, although if your print is hung high enough, it should typically spend most of its life out of harm’s way anyway.

Which process offers a more unique end result?

Take a look around at other displays and wander through your local art galleries.  What do you see?  Possibly because canvas is more financially feasible, it’s a popular choice, and so are traditionally framed prints, but when you do come across an acrylic mount, it stands out.  Many people have heard of acrylic mounts, but many have likely not heard of the acrylic face mount, although it is certainly growing in popularity.

Which offers a nicer appearance?

This is largely a personal choice; however there are certain specific features to take into account.  If you’re looking for vibrancy, acrylic is of course the hands down winner.  The acrylic mount gives your print a more modern look that can compliment a more modern decor in a home or business setting.  If, however, you’re seeking an intentionally slightly grainy appearance for a more old fashioned appearance, canvas is clearly your better option.  If you’re decorating an historic building, a log cabin or a rustic retreat, for example, canvas prints can seem right at home.

Which print will transport more easily?

This may or may not be an issue for you; if you move around a lot and treasure your artistic pieces, however, you’ll want to know which ones are more likely to make it to each subsequent destination fully intact.  Although we wouldn’t exactly call acrylic prints delicate, the light weight feature of a canvas makes it super easy to wrap and pack around.  It’s easier and cheaper to ship as well.

Which type of print is more affordable?

For financial feasibility, canvas is absolutely the best choice.  Those on a budget or with a lot of walls to cover with their favourite pieces of art will likely have better affordability with a canvas print option.  It’s cheaper than both acrylic and also more traditionally framing options.  Due to the easy accessibility of canvas printers (even many big box stores have their own canvas printing departments) you can usually find a great competitive price.  In fact, if you keep your eyes peeled, or take a look through the fliers that so often overwhelm your mailbox, you will often see sales with huge discounts.

No matter which printing option you like best, the most important thing is that it provides your chosen artwork with the finish that it deserves.

Credit to Lamin-8 – Acrylic Printing Toronto

Why art lessons are important in early ages

Art is a great way to engage a child in the exploration process and build up its creativity potential. Many research results show a positive impact of kid’s exposure to art on the development of brain capacity, especially in the early childhood. But art is also a fun; children are delighted to play with different art materials and explore limitless boundaries of visual arts. Here are some tips if you’ve been thinking of inspiring the Picasso in your child.

Art inspires creativity

We all have some type of creativity within us, and it often helps to balance our mood and bring about feelings of happiness when we can give ourselves over to it.  In young children, this creativity can sometimes come with the trials and tribulations of mess making or even a bit of destructive behaviour (drawing on walls, for example, or tearing up your family photographs).  Art is one way to redirect that creativity in a productive and positive way.  Children enjoy a variety of different materials to work with and explore, so the more options that you offer, the more fun can be had!  The key is to let their imaginations take hold and offer only a little direction to see what they can come up with.

Art offers opportunities for self-expression

Art is a wonderful way in which children can express themselves, and it often is a more productive way than they might otherwise choose.  It can be frustrating not to have the necessary vocabulary or emotional maturity to express how you feel and what you’re thinking, but art can take that frustration and demonstrate it.  This will help your child to learn how to deal with stresses and issues as they grow as well.

Art builds fine motor skills

Since the construction of art can mean the use of paints, scissors, markers, crayons, brushes, and a whole variety of tiny objects, children learn to control their muscles and fine motor control.  This will help them further down the line when they start school and try their hand at writing and drawing.

Art support development of cognitive skills

Planning, problem solving and experimentation are all important parts of your child’s development.  When children have the opportunity to practise these useful skills when they are doing something enjoyable, (drawing, making collages, painting, moulding clay) they are also absorbing the shapes, sizes and colours of objects.  Making certain decisions results in certain outcomes; this helps children to understand the concept of cause and effect.  They are also learning that their decisions play a role in the specific results in a scenario.

Art teaches kids to work together

Especially when making their masterpieces in a class setting, children can learn about respecting the space and needs of others around them, and values like sharing.  There may be a limited number of a popular item, and this type of situation offers children an opportunity to work together towards a fair outcome for all.  It also gives them a chance to praise others for their work and to be recognized for their own efforts by peers.

Creating art can be a wonderful and valuable way to spend time with your child and recognize their growing abilities.  Keep in mind that art is a process, and the benefits can stay with your child for a lifetime.

Credit to Sparkling Art Piano – Art Classes for Kids Chicago

Vision Problems at Different Stages of Life

Since May is Healthy Vision Month, now is a good time to discuss and learn more about vision problems and what can be done to correct them. Throughout the various stages of our lives, we can be prone to different vision problems and eye diseases.  From infancy to living as an adult over the age of 60, here are some of the most common vision issues at each stage of life and the care and attention they require.

Infants

Strabismus- a condition that usually affects babies that are older than 3 months, it is characterized by a misalignment of the eyes preventing normal binocular vision. It is normal for all people regardless of age to converge their eyes when looking at something close.  Infants usually develop normal fused binocular vision by the age of 6 months.  Therefore, it is recommended that infants have their first eye exam at this age.  Strabismus can often be corrected with glasses if your child is farsighted and an esotropia is present.  Esotropia describes the situation when the eyes converge or turn in too much.  Exotropia is the strabismus where one eye is pointed outward.  The most common form is called exotropia of divergence excess.  It can be corrected in some cases with glasses when a refractive error is the cause of poor binocular coordination.  Exotropia may also be corrected with muscle training called orthoptics.  Some forms of strabismus ultimately require surgical correction, which uses muscle shortening or muscle reinsertion into the eye to achieve binocular alignment.

Amblyopia- also called lazy eye, this is when one eye is weaker than the other and is usually a direct result of strabismus, but can also develop in the presence of an uncorrected vision deficit that affects one eye more than the other (usually this occurs when one eye has a prescription greater than the other by more than 1 dioptre, and more often seen in cases of hyperopia or astigmatism as opposed to myopia).  When cross-eyed develop in adulthood, diplopia or double vision is appreciated.  This is often associated with stroke, but can also be the result of less serious issues.  When this happens in infancy, if it is not corrected quickly could lead to the brain ignoring the visual info from the deviated eye and this can lead to lazy eye.  A lazy or amblyopic eye is an eye that cannot see to the normal level of 20/20, even with the best possible vision correction in place.   Amblyopia is often treated through patching the dominant or stronger eye, forcing the brain to use the weaker eye’s information and start to lay the neural networks that strengthen the eye-brain connection.

Hyperopia– this vision condition is normal in infants and children up to the age of 7.  High hyperopia or significant asymmetry in the amounts of hyperopia can lead to amblyopia, headaches, attention deficit and learning difficulties.  Hyperopia is present when the relaxed eye’s focusing is too weak for the length of the eye.  Hyperopia can be compensated for by using accommodation.  When this is not adequate or sufficient to prevent symptoms or the development of lazy eye, glasses are prescribed.

Children

Myopia- probably the most common vision problem in children and one whose incidence is on the rise, is also called nearsightedness and is characterized by the inability to see things at a distance clearly. The distance at which objects become blurry depends on the level of myopia.  It is especially impactful in children because good eyesight is key for learning in school. The most common treatment for myopia in children is corrective glasses, and as children approach their teenage years contact lenses become an increasingly popular alternative to glasses.  At least 2 hours of outdoor activity is recommended to reduce the incidence and progression of myopia in growing children.

Conjunctivitis- also called pink eye, this is a viral or bacterial infection that affects the mucous membrane covering the outer eye. Your child’s eye will be red or pink, discomfort/itchiness may or not be present as well as any discharge.  Since conjunctivitis has many possible causes, including allergic or contact lens induced, any red eye should be investigated and treated appropriately to avoid discomfort, spreading the condition and even possibly permanent vision loss.  Self diagnosing and treatment with over-the-counter remedies is never a good idea due to the possibility of permanent vision loss.

Teenagers

Astigmatism- this problems results in blurred vision at all distances, but often with symptoms of blurred vision at a further distance and eyestrain, or asthenopia, with near vision tasks. It is often the result of a football-shape of the cornea and is most common in teenagers. It can be corrected with prescription eyeglasses or contact lenses.

Adults

Presbyopia- this is by far the most common vision problem among adults over 40. Near vision focus starts to blur (the process of weakening near focusing otherwise known as accommodation begins in our twenties and finally captures up to us in the fourth decade of life) and the ability to do things such as read, sew and work on the computer becomes more difficult. The most common treatment for presbyopia are eyeglasses, but multifocal contact lenses are becoming an increasingly popular method of correction. Reading glasses are worn for close-up reading and other near vision tasks.  Bifocals or progressive lenses (i.e.. invisible bifocals with a power progression) are special lenses that are made with two or more points of focus, for both near and far vision correction.  Progressive near lenses are like conventional progressives, but they offer a range of near vision focus for people with more advanced presbyopia that want a range of near vision, such as from the computer screen (arm’s length) to regular reading distance (usually 16 inches).

Adults over 60

Cataracts-  the internal lens of the eye naturally clouds as we age.  This is called a cataract.  Not all cataract lenses need to be surgically removed.  When the cloudiness begins to cause vision or lifestyle issues, even in the presence of the best most up to date prescription possible, then it is time for the cataract to be removed.  The cloudy lens is replaced with an implant called an intraocular lens to replace the power of the natural lens.  Today’s implants can correct both hyperopia, myopia, astigmatism and also are available in multifocal modalities.

Age-related Macular Degeneration (AMD) – this disease is characterized by central vision loss due to aging and breakdown of the photoreceptors in the macula (the area of the light-sensitive retina found at the back of the eye).  Only central vision is affected, with peripheral vision remaining intact.  Unfortunately, it is the macula that is responsible for our most detailed vision, such as reading, color perception and facial recognition.  AMD can be treated with anti-vasogenic drugs, but there is no cure.

Good vision is important no matter what age we are, so remember to take good care of your eyes by wearing sunglasses, leading a healthy life style and eating lots of dark green, leafy vegetables and fruits, and of course having regular, routine eye health and vision exams!

Credit to Dr. Jeff Sciberras

How do Dermal Fillers Work?

If you’ve been thinking of turning to more advanced skin treatments to help you achieve the look you’ve always wanted, you will undoubtedly have a lot of questions. You’ll want to know that your desired treatment is going to be safe and will give you the results you want. One treatment you may be wondering about in particular is dermal fillers. Dermal fillers can help reduce the signs of aging in your skin and are a popular treatment for individuals just like you. But what exactly do dermal fillers do? How do they help you get better looking skin and reduce the signs of aging?

What are Dermal Fillers?

Dermal fillers are used when the amount of fat under our facial skin is reduced as we age. This loss of fat means that the muscles in your face will start to work closer to the skin, increasing the visibility of things like smile lines and creases. To offset this, dermal fillers are injected either under or within the skin and work to bring the contour and shape back to facial features, or to soften lines and correct deep wrinkles.

Dermal fillers can be used to treat the following:
Forehead wrinkles
– Under eye hollows
– Cheeks, jawline, and chin area
– Scars, including acne scarring
– Nasolabial folds
– Nose
– Lips

How is this Different from Botox?

Botox is an injectable that relaxes over-animated facial muscles in order to decrease wrinkles being formed as a result of the over-activity. Dermal fillers on the other hand are injected to fill in any spaces in the skin where volume and soft tissue is either lost or insufficient. There is no effect on the facial muscles when using dermal fillers; it is a minimally invasive process.

Natural Vs Synthetic Dermal Fillers

There are two types of dermal fillers; natural and synthetic. Natural dermal fillers generally last a shorter amount of time, with most people who get them needing to return for more within a year or so. However, natural dermal fillers carry a smaller chance of causing an allergic reaction. If a reaction does occur, the effects will not be permanent.

Synthetic dermal fillers last much longer than natural fillers, with some people classifying them as permanent due to the fact that they never really dissipate. If an allergic reaction occurs as a result of a synthetic filler, the effects are more likely to be permanent given the long lifespan of the filler itself.

Are Dermal Fillers the Right Choice for Me?

If you are finding yourself dissatisfied with your regular skincare routine, and still seeing annoying signs of aging despite your best efforts, dermal fillers may be just the thing you’re looking for. You want your skin to stay healthy and beautiful, and with all of the different options out there, it can be hard to make a decision about how to achieve your desired skincare results. Now that you know more about dermal fillers, we hope that your decision will be a good deal easier.

Credit to DermaTech Laser Clinic

Protecting Your Hardwood Floors from Dog Paws

It’s no surprise that dogs and hardwood floors can be a recipe for trouble. Finding deep and noticeable scratches on your hardwood floor is not uncommon if you have a four-legged friend running around the house. If this is the case in your home, and you feel like you may be at a loss when it comes to possible solutions, don’t worry because there are ways to solve the problem! Here are some quick tips to help prevent those pesky scratches from constantly showing up.

Trim Those Nails!

By far the biggest reason your dog is scratching your hardwood is because of overgrown nails. Your dog’s nails need to be regularly trimmed in order to avoid annoying scratches. How can you tell if your dog’s nails are too long, you ask? Listen for a clacking sound as your dog walks, if you hear it, then their nails are definitely in need of a trimming. You can either do the trimming yourself with a pair of scissor-like clippers, or take your dog to a veterinarian or professional groomer to get it done.

Keep your Floors Clean

It’s always a good idea to keep your floors free of dirt and hair, as they can act like sandpaper and grind into your hardwood when your dog runs and walks across the floor. Clean your floors regularly using a cleaning method of your choice.

Apply Protective Coatings

For a more permanent solution, consider checking with your flooring’s manufacturer to see if there is a protective coating available for their product. If there is, make sure to apply it regularly in order to maintain a strong protective barrier all year round. You also may choose to apply a protective layer of wax that will help form a protective barrier between your floor and your dog’s nails. Doing this means it will be easier to treat any light scratches you happen to find by simply reapplying wax and filling the scratches in.

Boot Up!

More and more dog owners are purchasing specially-designed fashion accessories for their dogs that are meant to protect hard wood flooring from being scratched. The most popular of these are boots that you can put on your dog’s paws. It may seem like a more farfetched idea, but it can be extremely effective in making sure your hardwood stays beautiful and unscratched. Although your dog may be walking a little bit awkwardly at first, they will get used to their new boots and eventually forget they are even there.

Throw Down some Carpets and Rugs

If you’ve tried other solutions but find that none are really working for you, you could always make a quick fix and simply place rugs or carpets over any parts of your hardwood floor that see a lot of dog traffic. Doing this will protect your hardwood with minimal hassle for both you and your canine companion.

Much like raising children, raising a dog means you are going to have to deal with the occasional mess and minor damage to your home’s interior; but with these tips, you can have a much easier time dealing with hardwood floor scratches and loving your dog at the same time.
Credit to Milton Hardwood

Pests Control Myths

Ask around for advice on help to deal with pests that are plaguing you and your home and you’ll get a variety of answers. How do you know which ones are worth your time and which ones will leave you frustrated? Here are some commonly held beliefs that won’t get you anywhere closer to ridding your space of the creatures that have moved in on your turf.

1. Boiling water will kill ants.
You can probably substitute other insects as well; I’ve heard this one as the answer for dealing with ground wasps as well, and I can tell you from experience that it’s not worth the energy it took to boil the kettle. The boiling water will certainly kill the insects that it comes into contact with, but the water will cool down before it reaches the inner sanctuary of the queen and larvae, meaning a new generation will quickly replace any that you’ve managed to eliminate.

2. You can bait mice with cheese.
It seems mice will eat anything, judging by the look of chewed cereal boxes in your cupboard, and we’ve all seen that mice traps do their job just fine, but there are far better baits than cheese for the task. I’ve actually had traps sit empty with their tempting bits of cheddar for days on end, and as soon as the cheese was swapped with peanut butter or fruit – success! Mice are actually more attracted to food with a higher sugar content than cheese will offer.

3. Keeping linens clean will stave off bedbugs
Bedbugs will actually live wherever they are offered a food source (namely, blood) and they’ve aren’t very particular about the accommodations. Although washing your bedding will take care of some of the bugs if you’re infested, bed bugs are incredibly adept at hiding out in any crack or crevice they can find.

4. Bug spray is only useful early morning and again at dusk
Not true! While it is true that only female mosquitoes bite (they require blood to lay their eggs), they will attack at any time of the day, so keep your repellent handy. Citronella candles are also a great way to deter these insects from preventing your enjoyment of the great outdoors.

5. Ultrasonic repellents can rid your home of spiders
If you’re creeped out by spiders then the idea of keeping them at bay with an easy household tool you just plug into the wall can seem like a dream come true. Unfortunately, there is absolutely zero scientific research to back this up, so keep your money in the bank.

6. Choosing a concrete slab or bricks will eliminate a termite infestation
Although some of your homes may be built with products other than wood, most homes are built with a wood frame, and termites aren’t fooled by a concrete foundation. If there’s wood, they’ll find it.

There are, of course, a variety of ways that actually will work to rid your environment of pests. Do some research, and in the event of a large infestation, calling a professional is always best.

Article Source:

By Justice https://firstcontactpestcontrol.ca/pest-control-myths/

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