TFSA Tax Free Savings Account - Saving Tips for 2017

TFSA Tax Free Savings Account a saving tool implemented by Harper Government. It is a very good saving tool if you have cash available to put away. Banks give good interests rates on this account, and if you do end up making money in investments you do not have to pay taxes. It is a money you can take out at any time without penalties, but don't. TFSA is not a retirement savings account but it can be one. Treat it as one.

If you don't need to use your RRSP allowance because you don't need to, put that money away into this account. Check with your bank. All banks will let you set up this account. Set this account for your children, because with time their savings can accumulate; and remember you don't pay any tax on any earnings. Your limit to save in your TFSA is $5,500 per year. The current Liberal government was against this TFSA tool and did not raise the limit to $10,000 as previous government did. They in fact cancelled it. But the $5,500 TFSA investment per year is still a good investment to make. Remember, that money is after TAX money and you don't have to pay any tax on your investment. Start saving now.


Build Your Resume Any Time

Thinking of getting a new job, or even if you have a job, you should always have your resume up to date. These days the way the economy is going our jobs are not secured anymore. And if the economy is picking up, employers will be looking for best souls out there - thus complete career change may be coming your way. My suggestion is that you always should keep a list of all your accomplishments, especially tangible ones - meaning what you actually did. Let's give you few examples.
  1. Your sales team always made substantial errors in the cost estimation of products. Therefore, to increase profitability of the sales team you decided to help and create a quotation spreadsheet for your sales team to use. As a result you reduced errors to zero percent, and substantially increased profits in the first half of the fiscal year.
  2. As project manager you manged development of the pilot automated facility that is now manufacturing one million of car seat belts a month with only one operator.
  3. You have 10 mechanical design patents for consumer products one of them being the easy grip vacuum handle sold worldwide for 5 years now.
These days words like I have experience in this and that may not work. Employers want to see if you were actually able to bring your project to completion. And if it was not a project, what have you done to make it better. Now this accomplishment list may be tough one for students. However, I say no it is not. What have you accomplish in your schooling years? Let me give you some examples here.
  1. You have completed your design thesis that was later used in the production environment.
  2. You worked on the research paper that later was used to obtain 2 million dollar government funding to start further studies to develop better alcohol free coughing syrup.
  3. You are proficient in the web development software and can start working on web design immediately, You have portfolio of 25 technical live websites.
  4. You worked with plastic industry leaders to develop compact bottle crusher tool for home use.
As you can see as a student you can have many accomplishments as well. My recommendation is that when close to graduation time try to work with industry, outside of school. This will really help you to see the real world. Start building your resume, even if you are not in the market for a new job. Simple list of accomplishments is a great start. However, you can always start with this great free resume builder, and networking place. Whether you are trying to build a call center resume or an accountant resume you need to take the time to ensure that it is presentable and includes all relevant achievements and qualifications.

Ebola, Everything About Ebola Virus

1] DEFINITION: Ebola virus, an infectious and generally fatal disease marked by fever and severe internal bleeding, spread through contact with infected body fluids by a filovirus (Ebola virus), whose normal host species is unknown. Source: Dictionary


2] KEY FACTS: Ebola Virus, Fact Sheet No.103 Read More at: http://www.who.int/mediacentre/factsheets/fs103/en/
  • Ebola virus disease (EVD), formerly known as Ebola haemorrhagic fever, is a severe, often fatal illness in humans.
  • The virus is transmitted to people from wild animals and spreads in the human population through human-to-human transmission.
  • The average EVD case fatality rate is around 50%. Case fatality rates have varied from 25% to 90% in past outbreaks.
  • The first EVD outbreaks occurred in remote villages in Central Africa, near tropical rainforests, but the most recent outbreak in west Africa has involved major urban as well as rural areas.
  • Community engagement is key to successfully controlling outbreaks. Good outbreak control relies on applying a package of interventions, namely case management, surveillance and contact tracing, a good laboratory service, safe burials and social mobilisation. Read More ...
3] EVERYTHING ABOUT: Ebola Virus from WIKIPEDIA

Ebola virus disease (EVD; also Ebola hemorrhagic fever, or EHF), or simply Ebola, is a disease of humans and other primates caused by ebolaviruses. Signs and symptoms typically start between two days and three weeks after contracting the virus as a fever, sore throat, muscle pain, and headaches. Then, vomiting, diarrhea and rash usually follow, along with decreased function of the liver and kidneys. At this time some people begin to bleed both internally and externally.[1] The disease has a high risk of death, killing between 25 percent and 90 percent of those infected with the virus, averaging out at 50 percent.[1] This is often due to low blood pressure from fluid loss, and typically follows six to sixteen days after symptoms appear.[2] Read More ...

4] QUESTIONS and ANSWERS on Ebola Virus

Centers for Disease Control and Prevention
  • How do I protect myself against Ebola?
  • Has the first patient to become sick in this outbreak, know as “patient zero” been identified?
  • I am a U.S. resident experiencing some flu-like symptoms (e.g. fever, headache, muscle aches). How do I know if I have seasonal influenza or Ebola?
  • What is CDC doing in the U.S. about the outbreak in West Africa?
For Answers: Read More ...

5] OTHER HEALTH and GOVERNMENT SITES re Ebola Virus
  • Government of Candada: http://healthycanadians.gc.ca/diseases-conditions-maladies-affections/disease-maladie/ebola/index-eng.php
  • Healthline: http://www.healthline.com/health/ebola-hemorrhagic-fever#Causes2
  • MedicineNet: http://www.medicinenet.com/ebola_hemorrhagic_fever_ebola_hf/article.htm
  • WebMD: http://www.webmd.com/a-to-z-guides/ebola-fever-virus-infection
6] OPINION, VIEWS AND COMMENTS re Ebola Virus

Hell in the Hot Zone, Why a Massive International Effort has Failed to Contain the Ebola Epidimic | Vanity Fair
http://www.vanityfair.com/politics/2014/10/ebola-virus-epidemic-containment

As the Ebola epidemic rages, two questions have emerged: How did the deadly virus escape detection for three months? And why has a massive international effort failed to contain it? Traveling to Meliandou, a remote Guinean village and the likely home of Patient Zero, Jeffrey E. Stern tracks the virus’s path—and the psychological contagion that is still feeding the worst Ebola outbreak in history. Read More ...

What We’re Afraid to Say About Ebola | The New York Times
http://www.nytimes.com/2014/09/12/opinion/what-were-afraid-to-say-about-ebola.html?_r=0

The first possibility is that the Ebola virus spreads from West Africa to megacities in other regions of the developing world. This outbreak is very different from the 19 that have occurred in Africa over the past 40 years. It is much easier to control Ebola infections in isolated villages. But there has been a 300 percent increase in Africa’s population over the last four decades, much of it in large city slums. What happens when an infected person yet to become ill travels by plane to Lagos, Nairobi, Kinshasa or Mogadishu — or even Karachi, Jakarta, Mexico City or Dhaka? Read More ...

My journey back to Ebola ground zero | The Financial Times
http://www.ft.com/cms/s/2/4c1711c2-d004-11e3-a2b7-00144feabdc0.html#axzz3IsoqG4Ue

I am spending two weeks in the country to celebrate my 65th birthday and to thank the people who played such an important role in two defining experiences of my life: investigating the first known outbreak of Ebola haemorrhagic fever in 1976 and uncovering a significant heterosexual epidemic of HIV/Aids in 1983. I am here with an American film crew making a documentary on epidemics, along with my wife Heidi, an anthropologist, and my friends Jean-Jacques Muyembe, director of the DRC’s National Institute for Biomedical Research, Eugene Nzila, a pioneer of Projet Sida (Africa’s first big Aids research project, founded in 1984) and Annie Rimoin, an epidemiologist from UCLA. Read More ...

7] THINGS THEY DON'T WANT YOU TO KNOW about Ebola Virus

Ebola: A Global Outbreak | Video
http://www.stufftheydontwantyoutoknow.com/video/clips/stdwytk-ebola-outbreak/
Could ebola really become a global epidemic, or is it a matter of sensationalism and manipulative journalism? Watch More ...

Ebola - What You're Not Being Told | YOUTUBE VIDEO



8] IN THE NEWS Ebola Virus (Google Search Engine Results)

Search key words: ebola news
Search key words: ebola virus news
Search key words: ebola virus outbreak news

"Thinking of disease constantly will intensify it. Feel always 'I am healthily in body and mind'." ~ Swami Sivananda

Polar Vortex Acting Up, Are You Prepared?

Yesterday it was a very nice day. It was snowing but it was also warm enough to keep a small layer of snow on the ground. Between comfortable cold and warm, approximately two cm snow blanket stayed on the ground throughout the day. Then something happened later in the evening. I didn't notice, but I did hear some winds blowing outside. I didn't pay attention until this morning. When I came out this morning my car was totally iced. Immediately I thought of polar vortex because such a nice weather turned into a nasty one in a short period of time. Later in the morning I walked across the soccer field and out of sudden gust of wind was blowing snow everywhere. Just like that. It happened suddenly with the temperatures plunging as well.

I thought of last year's ice storm that lasted us for couple of weeks in Ontario Canada. Many residents were out of power from few days to couple of weeks and it lasted through Christmas. Perhaps, we should all re-think our gift ideas and everyone should consider having or giving out the winter emergency and survival kit for home. Perhaps, this could be more functional and thoughtful gift for Christmas.

Then if the polar vortex breaks up or starting to act up like we may be again for a long extremely cold and long winter. Is ice age coming? Makes you think when you hear on the news that nearly half of the U.S. is covered with the snow.

Here are some more information about the polar vortex, apparently now a new phenomena.

"CNN International senior meteorologist Brandon Miller answers a few pressing questions about this phenomenon.

What is a polar vortex? What distinguishes it?

The polar vortex, as it sounds, is circulation of strong, upper-level winds that normally surround the northern pole in a counterclockwise direction -- a polar low-pressure system. These winds tend to keep the bitter cold air locked in the Arctic regions of the Northern Hemisphere. It is not a single storm. On occasion, this vortex can become distorted and dip much farther south than you would normally find it, allowing cold air to spill southward.

How frequently does this polar vortex distortion occur?

The upper-level winds that make up the polar vortex change in intensity from time to time. When those winds decrease significantly, it can allow the vortex to become distorted, and the result is a jet stream that plunges deep into southern latitudes, bringing the cold, dense Arctic air spilling down with it. This oscillation is known as the Arctic Oscillation and it can switch from a positive phase to negative phase a few times per year. This oscillation -- namely the negative phase where the polar winds are weaker -- tends to lead to major cold air outbreaks in one or more regions of the planet."

Read more: http://www.cnn.com/2014/01/06/us/polar-vortex-explained/index.html

Show the Passengers Where they Shall Eventually Arrive

"Several times the photographer of the expedition brought out his transparent pictures and gave us a handsome magic-lantern exhibition. His views were nearly all of foreign scenes, but there were one or two home pictures among them. He advertised that he would "open his performance in the after cabin at 'two bells' (nine P.M.) and show the passengers where they shall eventually arrive"--which was all very well, but by a funny accident the first picture that flamed out upon the canvas was a view of Greenwood Cemetery!"

~ Mark Twain, The Innocents Abroad