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Feb. 4, 2009
Countertop trends: Quartz tops Granite as strongest rock in consumer reports
(NC)-Consumers in the market for a premium countertop surface are discovering early in their search that quartz, and not granite, has become the highest rated and most popular option available.
That's because quartz countertops have emerged as the new worry-free, elegant alternative to high-maintenance granite for architects, designers and homeowners alike. They're stronger than granite, require no resealing, are highly resistant to scratches and stains, and come in a huge variety of colours.
In fact, Consumer Reports Magazine rated quartz as the top performer among countertop materials such as granite, ceramic tile, stainless steel, laminate, marble, limestone and concrete when it came to resisting prime kitchen hazards such as stains, heat and scratches.
According to the recent Freedonia Group Report on countertop industry trends, there has been a definite shift in the marketplace over the last few years as quartz has become the fastest growing market segment in the industry with 13 per cent growth compared to granite's five per cent.
Quartz surfaces are growing in popularity because they have the appearance of natural stone, but unlike granite, these surfaces never need to be sealed. Quartz is a nonporous material, which means it will not promote the growth of mold, mildew or bacteria. This is why leading brands such as HanStone Quartz surfaces are certified NSF 51 (with the National Sanitation Foundation).
"HanStone quartz countertops have an aesthetic that can emulate the look of granite, but are also available in unique colours and surface effects not found in natural stone," explained Mark Hanna, President of Montreal-based Leeza Distribution Inc., one of North America's leading distributors of HanStone Fine Quartz Surfaces (leezadistribution.com). "The benefit of quartz is that it doesn't have any of the drawbacks associated with materials such as granite."
What is quartz?
Quartz is silicon dioxide and it occurs as individual crystals and fine-grained masses in a large variety of forms, patterns, and colours. It is naturally hard and scratch resistant.
Most quartz countertops are manufactured with up to 93 percent quartz mixed with pigments and resins. This prescribed mixture results in a product that is non-porous, exceedingly durable, and more than twice as strong as granite.
The top rated quartz surface in the industry by designers, architects and developers a like is HanStone, because it contains a higher quartz content than the norm and includes clear and multiple quartz colours, bringing greater depth, dimension and style to its surfaces.
HanStone is also accredited with Greenguard environmental certification for low emitting products. The Greenguard certification is becoming an important requirement for consumers looking for premium countertops following recent news reports that the Environmental Protection Agency has been receiving increasing calls from radon inspectors and concerned homeowners about granite countertops emitting dangerous levels of radon and radiation. Radon is the second leading cause of lung cancer after smoking.
As a result more and more consumers are looking for healthier options for their countertops such as HanStone for its Greenguard certification to ensure their countertops emit low to no emissions of toxic chemicals into their home environment.
Credit: www.newscanada.com
Jan. 29, 2009
Do You Have Equity in Your Home?
If you have some equity in your home, or you have ready access to $25,000, you need to take that money and put it to work for you. You need to build your financial wealth.
In the Millionaire Real Estate Investor Workshop we delve right into the true meaning of the term ;financial wealth' and what it can do for you and why you need to build it. We also introduce you to the models and systems used by 120 millionaire real estate investors, so that you can learn from their mistakes, gain their habits, and take a quicker, straighter path to financial wealth.
I was doing some research for a new investor client today, and came up with some incredible opportunities available in Milton right now. Let me give you the details:
| Purchase Price |
$225,000 |
| Downpayment |
$22,500 |
| Property Taxes |
$1,800
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| Monthly Principal, Interest, Taxes |
$1,077 |
| Property Management |
$107 |
The numbers in the table are based on commonly-available mortgage rates as of the date of writing. The one expense not included is the insurance coverage, because that can vary depending on the coverage you get and your relationship with your insurance company.
As noted, these properties are currently available today, and will give you a positive cash-flow on a consistent monthly basis.
A further note is that we may be able to get you into the properties on a no-mortgage, $5,000 down basis. This method would be great for someone with minor blemishes on their credit, or someone just beginning to save their downpayment to buy.
Whether you would be interested in either scenario, give me a call at 905-208-7002 to schedule a meeting to discuss how we can get you into these opportunities, either as your first step to becoming a Millionaire Real Estate Investor or as a new home owner.
Jan. 21, 2009
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Living Your Passion - By Jan Hornford
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There is a saying "Follow your heart and the money will follow". A part of me has always believed this to be true and another part wonders how to do this exactly! I find myself asking the question "How do you follow your heart and honour your responsibilities?" I do not think that these two things are mutually exclusive; I believe that they can and do exist in harmony and can feed and support each other. We have all heard stories of people who have taken risks to follow their passion and been successful. We have also heard stories of people who did the same and struggled or lived out of their car for awhile before they found success. So what do you do? What do you do when you are in that in between place living in your car? How do you make a change that will allow you to follow your heart and not end up in your car?
Following Your Passion
I do not think you have to make a radical change to start living your passion. It is not necessary to take such drastic action that you put your or your family at risk, financially or physically, in order to follow a passion. I think you can start by taking small steps and making choices that align with your passion rather than following what you or others thinks you should be doing.
Small Steps
I think before you can live your passion you have to know what that means for you. That is the first step. What are you passionate about? How will you know you are living your passion? What does that look like and feel like to you? Once you are clear on what this looks like then you can start making choices to bring your passion more fully into your life. You can make choices that are aligned with or support your passion, one small step at a time.
Obstacles on the Path
In my experience, I have found that a number of things can get in the way of making choices that support your passion. Sometimes I find myself doing things that I think I should be doing. You know that voice that says "This is a great opportunity…everyone says you need to do this in order to get established…this job will show people you have arrived!" Sometimes I find myself doing things out of fear…fear of failure or fear of making a wrong choice. It is amazing how the mind can rationalize just about any decision. Sometimes I can see so many sides of an issue and it just leaves me feeling even more confused! It is amazing how things can get so clouded that it is difficult to know what the right choice is. It can be hard to hear that still small voice of the soul.
Taking the "Wrong" Path
I have to admit that I have found myself on the wrong path any number of times. By that I mean that I have made choices that turned out not to be right for me. In retrospect I slap my forehead and say "Man you should have seen that one coming! How come you didn't know? It is so obvious now" You know what they say about hindsight! I believe that sometimes you have to take the wrong path to fully realize it is the wrong path. The wrong path brings learning that helps you get really clear on what your heart and soul truly wants. This learning simply means that it was not so much a "wrong" path as another step in your journey.
You know it is the right path if it brings you joy, if it makes you feel alive, if you feel enthusiasm and lightness in you body and soul. You know it is the wrong path…well you just know don't you! You know by the heaviness of heart, by the dread, by the absolute lack of enthusiasm you feel when you go to work. When I am on a wrong path is when I start to feel a yearning, a pull to what I really want.
There is great wisdom in knowing for sure what you do not want as it can help you to see what you do want.
Sometimes I have found that I needed to walk this "wrong" path because there was something I needed to learn. I truly believe that there are no mistakes, only learning. If you find yourself on a wrong path consider what it is you can learn from the experience. I have learned that life unfolds with grace and there is wisdom and insight to be gained on any path. I have found that even when I was on the wrong path, I was still moving in the right direction. It is probably better not to speak of right and wrong paths at all but of evolving paths.
Coaching Questions
What are you passionate about?
Are you living your passion?
How do you know?
Can you think of a time when you were on the "wrong" path?
What did you learn?
How has that knowledge served you?
Can you think of a time when you were on the right path?
Did this path reflect a passion?
Action
Make a list of your passions. Choose your top 5. Are you living these passions?
What do you need to do to more fully live your passion? Do you need to make more time for your spouse or children? Do you need to get some information about a course or career?
Choose one passion that you would like to bring more fully into your life.
Consider how your life would look like when you are living this passion. How would you feel? How will you know you are living this passion? Write this down in one short sentence. It is your Passion Statement.
Write out 3 small actions you can take this week that will help you to live your passion statement.
Each week, continue to make choices and take action that will support your passion.
About the Author:
Jan is a Master Certified Retreat Coach whose passion is to help you reconnect with the heart and soul of who you are. Through customized coaching retreats Jan's trademark is getting you out of your usual environment and way of being to access your personal power and wisdom. Jan is the author of 5 self-help e-courses, two self-led e-retreats, and a number of articles.
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Jan. 19, 2009
Valentine’s Day Luxury for Less


(ARA) – Valentine’s Day inspires some of the most expensive and luxurious gifts. But in an economic downturn, what do you do when you have champagne taste, but a beer budget?
Luxurious doesn’t necessarily mean expensive and with some creativity you can give lavish gifts on a limited budget. Some of the most popular Valentine’s Day gifts are jewelry, gourmet food and personal indulgences and all of them can fit into a small budget.
A Toast to Love:
Many couples pop the cork on a celebratory bottle of champagne, but a bottle of the real French spirit can run you a costly $40 to $120 or more. Instead, look for domestic sparkling whites or an Italian Prosecco, an inexpensive, crisp sparkling white wine.
Gourmet Chocolates:
A heart-shaped box filled with chocolate is almost cliche. When it comes to chocolate, it’s quality, not quantity, that counts. A small box of gourmet chocolates in trendy flavors like curry, cardamom, black pepper, red wine and goat cheese will make much more of an impact than a big box of boring generic chocolates with mystery filling. If you’d like to try something different, try a small tin of caramels with sea salt.
Jewelry:
Diamonds may be a girl’s best friend, but a piece of classic and stunning pearl jewelry for Valentine’s Day is an affordable, unexpected and appreciated surprise. Freshwater pearl earrings or bracelets give a high-end look for a budget price and you can celebrate the colors of the holiday with a gorgeous pink or lavender cultured freshwater pearl necklace. PearlParadise.com offers freshwater pearl earrings starting at just $19. Make a unique statement and show her she’s the only one in your life with the symbolic and exotic Tahitian pearl pendant from PearlParadise.com.
Dinner for Two:
A romantic dinner for two at a restaurant can easily break the bank. But a candlelit gourmet dinner for two at home comes in at much less and also scores points for thoughtfulness. You can break out the cook book and make recipes from scratch or log on to any number of Web sites and have a three or four course feast delivered to your door.
The Gift of Time:
Time is the ultimate luxury and giving the gift of your undivided attention for an entire weekend, running a relaxing bubble bath or giving a foot massage is the best and most heartfelt gift of all.
Whatever you’re shopping for this Valentine’s Day, don’t wait until the last minute. Shopping ahead can save big money. Look for sales at your favorite stores and surf around for great deals online. PearlParadise.com, for example, offers pearls up to 80 percent off retail price. Remember, putting some thought into your gift and thinking ahead truly shows you care.
Courtesy of ARAcontent

Jan. 16, 2009
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Jan 2009
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| ***PLEASE WATCH FOR OUR 2008 TAX RETURN ORGANIZER NEXT MONTH***
How To Put Cash INTO Your Bank Account
Happy New Year, we hope you and your family are well!
As many of you know, we've been helping people and businesses navigate through economic challenges since 1982. The current global financial crisis is unprecedented in size and scope and is the greatest financial challenge of our generation. During these troubled times, it's especially important for you to take care of your financial health. You should feel confident knowing that we are on your side to help you weather the storm and prosper. Now more than ever, you need our professional services, so call 905.709.HELP or email us now.
Some people are just complaining and doing nothing to improve their financial situation. We can help you. Contact us now for your free, no-obligation, strictly confidential consultation. We will demonstrate how to put cash INTO your bank account with a customized strategy that will save you money.
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Cash-In On Our Professional Services
The statement "Cash is King" is now more relevant than ever before, and our professional services are now even more essential to your success. Our experience and proven techniques will positively impact your finances. We will help you find money in your business or household and we will help you save money too.
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TAX TIP This is only a partial list of some of our valuable services. Every person or business needs an experienced Chartered Accountant in these harsh economic times. We will provide specific advice on your situation. Contact us now for your free, no-obligation, strictly confidential consultation.
T4/T4A/T5 Filing Deadline
Employers and payors must provide T4/T4A/T5 tax slips to employees, subcontractors and other recipients by the last day of February, 2009 to avoid substantial penalties. If you require our T4/T4A/T5 reporting services, contact us now by email no later than Monday February 2, 2009.
We Will Help You
Now more than ever you need our strategic tax consulting, comprehensive business advisory and financial planning services. We also use the most advanced state-of-the-art technology to minimize your income tax liabilities.
To arrange your personal and confidential consultation, call now 905-709-HELP or email hhcacpa@rogers.com
Sincerely,
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The material provided herein is believed to be accurate and reliable as of the date it is written. Tax laws are complex and are subject to frequent change. Professional advice should always be sought before implementing any tax planning arrangements. We cannot accept any liability for the tax consequences that may result from acting based on the contents thereof.
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Jan. 16, 2009
‘Mac tax’ would cost average Halton household $2.10
Committee recommends region contribute $5 million subsidy toward proposed Burlington-based university campus
By Tim Foran, Metroland West Media Group
News
Jan 16, 2009
Halton residents will pay a McMaster tax over most of the next decade to help finance a campus in Burlington, if regional council approves an administration and finance committee recommendation.
The $5-million subsidy would be paid for through the region’s operating budget starting in 2010, with $500,000 grants going to McMaster University for the first eight years and $1 million in the ninth year. Each of the $500,000 grants would equate to an extra $2.10 in annual property taxes for the average Halton household.
“It’s less than a grande latte at Starbucks,” said James Peters, chair of the Burlington Economic Development Corporation, who urged regional councillors to vote in favour of the grants.
The City of Burlington has already agreed to give McMaster $5 million for the $50 million-plus project, but those funds will come from hydro reserves.
Without the $10-million in municipal funding, McMaster won’t go forward with the project.
If regional council approves the recommendation at its meeting Wednesday (Jan. 21) morning, McMaster spokesperson Ilene Busch- Vishniac said the school plans to start construction this spring on the first part of its project, a $28-million, 93,000-square foot DeGroote Centre for Advanced Management, which will host 800 MBA and executive education students. The combined $10 million from Burlington and Halton would go toward the construction of this facility. The centre was originally planned to be built in Burlington’s downtown, but Vishniac said it abandoned the location for three reasons — including an inability to expand, a desire to be located close to the QEW, and because a “generous donor” has offered a free 4.5-acre parcel of land on South Service Road just east of Walker’s Line. Vishniac declined to name the donor, but the address is a development site of Westbury International. Michael DeGroote is president of the company.
McMaster has also received a $10-million donation for the project by Ron Joyce, cofounder of Tim Hortons.
Along with the business school, McMaster spokesperson Dr. David Price said it plans to build a family health centre in downtown Burlington, which would be the centre of education for family doctors doing their residency at hospitals and clinics.
McMaster also plans to partner with Joseph Brant Memorial Hospital to turn the facility into a teaching hospital, where family doctors could do intensive training in areas such as obstetrics, surgery and pediatrics, said Price.
Funding for post-secondary education and capital projects falls generally under the responsibility of the province of Ontario.
Halton Hills Councillor Jane Fogal voiced her concern at Wednesday’s meeting that the region’s grant could set a precedent and lead to future requests for municipal money from other provincially-funded institutions.
Regional Chair Gary Carr has also led a campaign over much of his term arguing for the province to upload some of the costs for health and social services currently paid for in part by the region. He has also called for the province to speed up funding for new or expanded hospitals in the region to meet Halton’s rapid population growth. After the meeting, Carr defended his vote to approve funding for McMaster, and said it should be viewed as money for physician recruitment, which the region already pays for.
“The region has always done health promotion,” said Carr. “As part of health promotion, this will help us to get the doctors we need.”
Halton currently has a shortage of about 30 family doctors. Burlington, Halton Hills and Milton are designated as areas underserviced by family doctors by the Ontario Ministry of Health and Halton submitted an application for Oakville to receive the same designation last year.
Over the past six years, the region has spent about $1 million on its physician recruitment program, which has managed to attract more than 70 family doctors to the region. However, population growth and the retirement of older doctors who worked long hours means the region has only reduced its shortage by 10.
Neither McMaster nor Halton staff were able to say what the exact impact of a new family health clinic in Burlington would have on the region’s doctor shortage, but the staff report said some studies show up to 75 per cent of doctors stay in the region where they did their residency.
“We think this is taking a major step in getting the doctors we need,” Carr said.
Though Halton’s funding is tied to the business school, the recommendation includes targets that McMaster must meet in order to receive each year’s funding allotment. These include “specific operational targets” for the placement of family medical residents in all communities in Halton. Exactly what that target — the number of family doctors that set up shop in Halton following their residency training — will be is still in negotiation, said Carr. Council will not have firm figures to review before voting on the proposal next week, he added.
During Wednesday’s meeting, Vogal expressed a desire to fund the family health aspect of McMaster’s proposal but not the business school. However, Vishniac said McMaster couldn’t separate the two and one could not go forward without the other.
McMaster is looking to place many of its business programs with a health sciences management focus in the Burlington campus, explained DeGroote School of Business Dean Paul Bates.
McMaster has submitted its Burlington proposal to the Ministry of Training, Colleges and Universities as one of its capital project priorities. The ministry collected such priorities from Ontario universities last year and said it is reviewing the proposals. The province announced a $60 billion infrastructure renewal program in last year’s budget that will begin after its Renew Infrastructure program ends in 2010.
Vishniac said the maximum amount it could get from the province for its Burlington project would be $28 million so it still requires municipal funds. McMaster’s campus is one of two postsecondary proposals in Halton Region. Milton and Wilfrid Laurier University have a preliminary agreement in place for the university to locate a campus in the town.
Laurier spokesman Kevin Crowley said the university has also submitted the first phase of the new campus to the province as one of its capital priorities. The initial project would accommodate 2,500 students and would cost an estimated $258.7 million, said Crowley; Laurier is seeking $241.5 million of that money from the province. About $15 million would be received from the Town of Milton in the form of 150 acres of land for the school, while $2.2 million would come from developers who would cover servicing costs. No other funding has been requested from Milton or Halton, said Crowley.
The first-phase of the Laurier proposal is comprised of a library/learning commons, a central academic building and an administrative building, said Crowley.
Reporter Tim Foran can be reached at tforan@miltoncanadianchampion.com .
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