1.26.2022

#BellLetsTalk

Red, Yellow, Green
Phase 1, Phase 2, Phase 3
Summer Phase, Winter Phase 

This is what we have dealt with for nearly 2 years ( 2 years in March), I just returned from being with my parents while my mom underwent a major surgery, it was the last time I got to go on a flight, I miss travel, I miss my family. 

We are living in a crazy world and I am so over Covid, two years in a pandemic that just isnt getting better, so on this #BellLetsTalk day I wanted to remind people lock downs, covid and being alone is not good for anyone struggling with Mental illness, people need people. Right now 1 in 4 people (25%) are screening positive for mental illness, people are so lonely, they do not know what to do to stay busy, we can only clean house so much, we can only declutter so much, we can all bake but then we have covid weight to deal with. 

Among Canadians who screened positive for at least one disorder (depression, anxiety or post traumatic stress disorder), 94% reported being negatively impacted by the pandemic

Previous research suggests that those with mental health disorders are more likely to experience certain adverse events, such as job loss. At the same time, certain experiences may cause mental health symptoms or aggravate existing symptoms. Among Canadians who screened positive for at least one of the three mental health disorders assessed in this survey, 94% reported experiencing one or more impacts related to the COVID-19 pandemic, compared with 64% of Canadians who did not screen positive for any of these three mental health disorders. The most common impacts for both groups were feelings of loneliness or isolation (77% of those whose screened positive for at least one mental health disorder vs. 37% of those who did not), physical health problems (62% vs. 21%), and challenges in personal relationships (48% vs. 15%). These results highlight that many Canadians experiencing mental health difficulties during the pandemic were also struggling with various stressors.


Now more then ever please reach out to a friend, a co worker, a family member, let them know they are not alone and you are here for them.  We need people, we also need Covid to go away to never return but I really don't think that is happening anytime soon- that sounds depressing but it seems to always have new variants etc..


Wake up Canada- reach out to a friend and let them know they are not alone. 

Simple Reasons To Always Get A Good Night’s Sleep'

 5 Simple Reasons To Always Get A Good Night’s Sleep


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Getting caught up in the busyness of every day life sometimes means that your sleep gets pushed to the back burner. However, this could eventually harm your overall health and well-being. Statistics reveal that about 40% of people between the ages of 40 and 59 get less sleep than they should. Having a good night’s sleep requires a conscious effort and making little changes in your daily habits. Here are some critical reasons why you need to get enough sleep. 



  1. Boosts your health

Quality sleep yields numerous results for your health and protects you from conditions such as high blood pressure, heart diseases, high sugar levels, ulcers, etc. Many processes go on while you sleep to help repair your body, strengthen your immune system, and regulate your metabolism. According to health experts, your body produces some proteins while you sleep to help repair your cells. Therefore, you need to have a good night’s sleep to help ensure you’re always in good health. 


  1. Enhances your memory

Your brain is another vital aspect of your body that benefits greatly from a good night’s sleep. When your mind is well-rested, it’s easier for you to recall events and important memories. It also gives you the clarity to plan effectively and solve problems. You’re more alert, and it minimizes the likelihood of you feeling sluggish, improving your reaction times. As a result, you’re more productive at work and in every other aspect of your life. 


  1. It helps to relax your body and mind

Getting a good night’s sleep can help make you feel less stressed. It relaxes your body and mind after a hard day’s work, enabling you to wake up feeling calm and ready for the tasks ahead. As a result, you feel energized, and you can have the clear mind you need to make decisions and accomplish your goals. You can help create a relaxing atmosphere before going to bed by dimming your lights, listening to soothing music or engaging in activities that help you unwind, such as reading a book. A few drops of cbd oil can also help reduce any feelings of anxiety you may be experiencing, so you can have a restful night. 


  1. Improves your mood

A good night’s sleep can work wonders for your mood. When you have enough rest, you’re less likely to feel irritable even in challenging situations, and you may not get angry as much. This effect also shows in your relationships, as you relate better to people, allowing them to enjoy your company. 


  1. It helps prevent weight gain

Believe it or not, getting enough sleep can help you manage your weight. According to health experts, when you don’t sleep much, you’re more likely to overeat and have unhealthy cravings as your body produces hormones that increase your appetite. This, in turn, leads to eventual weight gain, making it vital for you to get a good night’s sleep. Quality sleep also gives you the energy you need so you can exercise enough to stay in shape. 


1.20.2022

Managing Debt Is More Important Than Avoiding It'

 When considering the question of your household finances, there are few words that have connotations quite as scary as ‘debt.’ However, the truth is that debt will be a reality for the vast majority of us, including the affluent and secure. While avoiding unmanageable debt is important, learning how to effectively manage the debt that you need to take on is important, too.


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Protect your credit score

Your credit score is going to play a huge role in how you can manage your debt. For one, higher credit scores allow you to choose from a wider range of loans, which can make them easier to pay off. As such, you should make sure that you’re using credit agencies such as Equifax to make sure that you’re aware of your credit score (and whether it needs some work), as well as what you can do to fix them. This can include making sure you’re current with any debts, disputing and removing false records from your credit report, and more.


Choose the right loan options

Aside from making sure that your credit is in a good place so that you have options, it’s important to take your time to compare and weigh those options as well. Don’t just go with the first loan or credit card that you see. Sites like Compare Credit can help you get a better idea of what, exactly might be on offer for you, using specific information like your credit score to help you get more precise loans and cards suited to your needs. This way, you can make sure that you’re not taking on a loan with a higher APR or stricter repayment terms than you might be able to find elsewhere.


Have a precise payment plan

When you have debt, you should also have a structured and precise plan on how you’re going to pay it off. Usually, the easiest method to recommend is to make sure that you’re focusing on paying off one debt at a time, so you can close it earlier and get to paying off the others. But you should make sure that you’re using bill reminders so that you’re not unaware of any payments coming up. If you don’t have the money in your bank to pay them, this can escalate your debt, either adding late payment fees or even getting collections agencies involved (which you definitely want to avoid).


Don’t just pay the minimum

Even if you’re focusing on one debt above the others at a given time, you want to make sure that you’re paying more than the minimum on any debt that you have. There are some debts, such as mortgages, that you don’t want to pay down early, but others can be paid off more quickly to save you money by reducing the amount that you have to pay on interest by the end.


Many of us willingly take on debt, whether it’s to deal with slightly larger expenses than usual, to secure a home, buy a new car, or to help deal with an emergency. At that point, avoidance is too late. You need to know how to manage it.

5 Big Financial Decisions In Your Life To Take'

 Making smart financial decisions is tougher than it seems. We all get pressure from our parents or peers about getting a job, but what happens when you get your first job and feel like you've already made enough mistakes? With these five important financial decisions looming in your future, the only thing you need to know is how to approach the situation.

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1. Buying a house

Everyone knows that if you live on your own, it's going to be slightly more expensive than living with your parents or renting an apartment with other people. There are different ways to buy a house. You can go for fixed-rate mortgages then you know exactly how much your monthly repayments will be. Another option is an adjustable-rate mortgage, which means that your interest rates are adjusted regularly.

2. Getting a job

There are various jobs out there that seem really interesting, but it's difficult to find one you should pick. Is it better to go for a well-paying job, even if you're not interested in the field? Or is it better to follow your passion and enter an industry where you'll be more content with what Edmunds do? If you're on a tight budget and would like to buy a car at or a house sometime around the future, it might be beneficial for you to go for a well-paying job first.

3. Getting married

Some people do it really quickly, as soon as they meet somebody that they're crazy about and want to spend the rest of their lives with. Getting married is a great thing. It means that you have found somebody who completes you, and it's nice to know that you'll stay with this person forever. Getting married has different benefits that can benefit you financially.

4. Having children

Thinking about this one makes people feel all warm inside. But what about the financial aspect? Many people wait until they've bought a house before having their first kid, as it would be beneficial to them if their child is born in a house and not just an apartment. There are also those who choose to have one kid and those who choose to have several children. It really depends on how much money you make and what your overall philosophy about life is.

5. Retiring

Retirement means different things for different people, and it's important to know what your view of this financial topic is and if you'll be able to achieve it. Many people are afraid that they won't have enough money when the time comes to stop working, so they try their best to save up as much as possible. Others know that they'll be able to retire, but they would still like to save up money anyway. It really depends on your income and what you plan to do when you're no longer working. If you don't want to work for the rest of your life, then it's definitely a good idea to start saving up some money now so that you can enjoy your life later.

In Closing

There are some big decisions in your life that can change the way you think about money. If you want to learn more, check out our tips on how to save money, as they might help. Also, if you're currently reading this article at work, then it's probably time for you to start working!


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