Friday, December 3, 2010

Canada’s Aging Baby Boomers: Planning Health Insurance for the Future

The first of Canada’s aging baby boomers are poised to turn 65, and with this milestone birthday comes a variety of new health care concerns. In response to these changing medical needs, the Canadian health care system is preparing to handle some 10 million boomers whose reasons for visiting the hospital will range from hearing loss to long-term care. The aging of this Canadian demographic is inevitable, but falling into financial debt in order to pay for these services can be avoided. By thinking ahead to what medical services may be required, individuals are able to customize their health insurance accordingly.

X-RayLiving in a country like Canada where health care is provided for all is an undeniable luxury. Yet, despite the many benefits of Canadian health care, there are gaps that exist in coverage. These gaps dictate the need for supplementary health insurance. Sadly, there are many instances where people have met with unexpected illness, but there are also many health issues that can be planned for. Aging is one such issue.

Some of the most common services required by seniors include: x-rays for weakening bones, a visit to the podiatrist for any number of foot related issues and testing and fitting hearing aids for hearing loss. Each of these services may be an inevitability for the aging individual, but they may not all be covered by the Canadian government. Provincial health plans vary from province to province with certain provinces offering a proscribed amount of money yearly for various necessities, such as a trip to the podiatrist. A visit to a specialized doctor or the purchase of a hearing aid can be very costly, and with little to no coverage, people are often left with a substantial financial burden. Supplemental health insurance is the best way for seniors to plan for and minimize these costs.

Opting for supplemental health insurance allows you to customize your plan to suit your individual needs. For many seniors, the prospect of spending time in a hospital is not a pleasant one, but with supplemental coverage, a private room in a health care facility can make the stay more comfortable. Not only does health insurance ease the worry that individuals may have concerning their own personal welfare, but it also helps to assuage the fears of family members on whom the burden of long-term care would fall.

As ten million Canadians begin to approach the time in their life when retiring is imminent, it becomes a necessity to plan for whatever eventualities the future might hold. Thinking ahead to answer the various demands of aging helps guarantee a peace of mind for yourself and your family and ensures that you are ready to face the challenge of life’s milestones.

About the Author:
Anna Dorbyk is the editor for Canada Health Insurance and is a graduate student in Communication Studies at Concordia University. For more information on health insurance for Canadians please visit

Jasper - Travel to Canada's Rocky Mountain Paradise

Mention the Canadian Rockies, and most people instantly think of Banff. As the main tourist destination in the Rockies, Banff is very much a commercial town geared to tourism. But for those who like their Rockies a little quieter, 250 kilometres north is paradise - the town of Jasper.

July and August are the peak times to visit Jasper, but if you don't mind colder weather and like your lakes frozen, you can avoid some of the tourists by visiting in the few months either side. The weather can be haphazard, so allow a little flexibility in your plans.

Six kilometres south of Jasper is Whistler Mountain. If you visit early or late in the day, you will most likely hear the melodic sounds made by the whistling marmots living on the lower slopes of the mountain. Early birds can also get cheaper tickets on the Whistler Mountain gondola. The terminus is at 2,500m, with spectacular views south to the Columbia Icefields, and west to Mount Robson.

For those who prefer to look up at mountains, there are plenty of beautiful lakes close to town, all surrounded by snow topped peaks. Patricia and Pyramid Lakes, 8km north-west of town, are small and quiet. They have beaches just begging for picnickers to sit on them and admire the view after a tranquil lunch. Herds of elk and deer roam the area, and if you're very lucky, you may spot a coyote or a black bear.

Maligne Lake is south of Jasper, and is the largest of the glacier fed lakes. A boathouse from the 1920s completes the storybook setting. There are a couple of excellent hikes in the area, taking full advantage of the beautiful scenery.

Nearby is Maligne Canyon, a narrow cleft through the rocks filled with roaring water during the spring thaw. It's also home to a very active herd of big horn sheep, who can jump out of nowhere to startle tourists.

For those visitors who like more leisurely pursuits, it is possible to swim in Lakes Annette and Edith near town. Situated at around 1000m, they are popular during the summer months, although it's still not advisable to take a lengthy swim in the icy waters.

After a few hard days of sightseeing, go for a leisurely drive about 40km towards Edmonton. At the sleepy little town of Pocahontas (she certainly got around!) take the turnoff to Miette Hot Springs. The renovated spas contain two pools, and are a welcome respite for tired bodies. On the way there you may be lucky enough to see mountain goats beside the road, although they're more likely to be perched on a cliff high above you.

Another excellent drive is route 93A, which was the original road heading out of Jasper towards Banff. Now preserved as a scenic route, the road offers a number of interesting stops. Keep your eyes open, particularly during the quieter times early and late in the day, because wild life abounds here. Mother bears with their cubs have been seen chomping on berries right beside the road!

The aptly named "Meeting of the Waters" marks the place where two rivers join together. During the spring thaw this meeting can make for spectacular waterworks. Further along, it is worth taking the time to visit Moab Lake. A pleasant walk ends with the magnificently sited lake, mountains hovering in the background.

Skiers visiting in winter will certainly want to make the trip to Marmot Basin, a popular ski resort south of Jasper on 93A. In summer, however, it looks much the same as any other deserted ski field, except for the breathtaking scenery.

One of the final stops before the road rejoins the main highway is the Athabasca Falls. A raging torrent in spring, the fierce waters tumble and crash over hundreds of smoothed boulders. The adventurouss can explore further up the river, but wear shoes with a good grip.

When the time comes to leave Jasper, there are two major routes. Those who arrived by train can continue their journey either east to Edmonton and on across the Canadian plains, or west to Vancouver. This route takes you on one of the most spectacular train journeys in the world, with incredible scenery in every direction.

For those travelling by car, allow plenty of time to explore the 230km Icefields Parkway which connects Jasper to Banff, with a slight detour to Lake Louise. The road follows a valley through the Eastern Mountain Ranges, and offers spectacular scenery and plenty of wildlife. By the end of the day you'll probably have a stiff neck from craning upwards to see the view.

The Sunwapta Falls are set in chunky terraces of rock, and it's worth taking a short stroll to the viewing platform. Peyto Lake is a beautiful glacial lake, but should only be visited when the snow clears, otherwise the gentle uphill stroll can become a mammoth battle through waist high snow drifts.

Another beautiful stop is the Tangle Falls. Intrepid visitors can do some exploring here, rewarded by a close up look at the rushing waters. The best known stop, however, is Athabasca Glacier. This glacier has been steadily retreating for years, and there are date markers so you can see the gradual regression. It is possible to take a truck ride on the ice, or you can simply walk from the car park. Be warned - the weather can change very rapidly during your visit, so be prepared.

The Weeping Wall is particularly interesting after or during rain, with thousands of tiny waterfalls pouring down its rough faces. And for those nature lovers with a penchant for moose, try visiting Waterfowl Lake at either end of the day. It's home to a number of these huge creatures.

The Icefields Parkway continues on to Lake Louise, the magnificent setting for scenes in the movie "The Bodyguard". Finally the road reaches Banff, leaving the peace and quiet of the wilder Jasper behind for good.

Exploring the Canadian Rockies is a must for lovers of rugged, mountain scenery. For those who want to experience the Rockies and its wildlife as closely as possible to how it would have been centuries ago, Jasper is the perfect base. The Rockies are waiting for you.

About the Author
Travelling in Canada is a much loved past time for the author. Check out or for more information.

Canada Internet Merchant Account

If you knew that a Canada Internet merchant account could dramatically improve profits and reduce overhead costs, would you get one? Well, the good news is that it can and you should! A merchant account conveys a host of benefits that can help your business expand to meet the demands of today’s time-conscious consumers. To apply for your merchant services account, simply follow the following easy steps.

1. Apply for a Canada Internet merchant account through a reputable banker, loan agent, or financial underwriter. You may be able to work with a banker with whom you have already established a business relationship. Or you can shop around for a better deal if you feel your bank is asking too much money for too few benefits. These accounts can be quite competitive, so it pays to browse a host of providers in your town or on the Internet, where financial offers are waiting for your perusal. Just do a search for merchant accounts or merchant services, and you will soon find that a number of potential lenders will pop up on your screen. You also may want to get the names of other financial institutions from colleagues, friends, and family members who already have successful merchant accounts.

2. Check out possible Canada Internet merchant account providers by running their names through a business checking service, like the Better Business Bureau. While this is not a comprehensive background check or a certification of the lender’s ability to meet your needs or keep its promises, it does provide a starting place for ensuring that the provider is not a total fraud and may be somewhat likely to live up to its promises. You also can check out online testimonials or ask for references. If the company has a longstanding history of providing merchant services, there is a fairly good chance that it will work out well for you, too.

3. Browse available services offered by Canada Internet merchant account providers. Perhaps the most sought-after benefit is the ability to offer credit card payment processing services to clients who shop at your Internet site. Find out how much this service will cost through your choice of Canada provider, and determine whether the benefits are worth the asking price. You may end up paying some of the expenses yourself, such as a domain registration and site-hosting fee, but this is to be expected from just about any provider. It is important to compare fees among various lenders to get the most affordable package. Some underwriters will ask for an application fee or an annual membership fee, as well as several other types. Look for the lowest available costs before deciding on the provider you want to work with.

4. Find out which services will by covered by your choice of Canada Internet merchant account underwriter. Some companies may provide free monthly statement printouts while others charge for this service. You also need to check service rates, which typically are billed by a few cents per transaction or via a low monthly interest rate. Set up your company budget and evaluate your customers’ buying patterns to figure out which billing method will work most in your favor.

Finding the right underwriter will help you to maximize your Canada Internet merchant account.

About the author:
Dane Collins is with Merchant Digital http://www.merchantdigital.coma nationally recognized merchant account provider. Start accepting credit cards today:

Health Insurance for Canada Travel

While we as U.S. residents think often about travel insurance coverage when we're traveling overseas we're not so quick to worry about health insurance for Canada travel. This is especially true if our voyage to Canadian provinces is by car and not by air. We don't expect to need health insurance for Canada travel to protect us from exotic diseases or militant uprisings.

Health insurance for Canada travel should not be ignored, however. Your medical insurance provider in the U.S. will typically only cover a medical emergency in Canada if the emergency was precipitated in the U.S. and the nearest emergency medical care is Canadian. This is especially true if you're a senior citizen whose only form of medical insurance is Medicare. Health insurance for Canada travel is, therefore, a must.

When you're shopping for coverage you'll want to consider several things in your decision. They are: what is excluded from coverage (what particular incidents and situations would your trip coverage not reimburse you for); what sports you can participate in and still be covered by your health insurance for Canada travel; whether you might be excluded from coverage for a pre-existing condition? and if there is a deductible?

The coverage that is customary is for hospital stay, although the per day limitations and ceilings will vary plan to plan; medical care, in-patient and outpatient, including physician fees, as well as those for any nursing care, surgery or anesthesia; medical testing such as x-rays and laboratory work; transportation to or from medical care by ambulance; medical care provided by a private RN (registered nurse); medical equipment such as wheelchairs, walkers, splints and slings; prescription medicine; and the cost of repatriation of the remains of a deceased member of your travel group.

Probably the most crucial part of the plan your choose for health insurance for Canada travel must be good coverage in the case of an emergency evacuation back to your home for medical reasons. This is especially true if you are traveling by airline. The cost of changing travel plans, especially if you've purchased non-refundable tickets and must now arrange a new flight last minute can be exceedingly costly. Even from Canada, you must assume a cost of $10,000 for this coverage alone.

Planning ahead by purchasing health insurance for Canada travel will go a long way towards making your Canada vacation a serene stay.

by: Steve Cogger

Wednesday, December 1, 2010

Maple Leaf Flag and Canadian National Identity

There are many different symbols to represent Canadian identity. Prior to 1965, Canadians did not have an official to flag that symbolizes Canadian culture. Although, Canada did have a flag with the Union Jack that deprived Canadian uniqueness. When Prime Minister Pearson came to office in 1963, he saw Canadian identity was shattered and neglected. He decided to have an official Canadian flag even though he risked losing the majority government. Finally, as a consequence of his courageous debates, maple leaf became the newest official flag representing Canadian Identity, with out discriminating any ethnic background, and it re-uniting Canadians.

First, the maple leaf was a unique symbol born to represent Canadian Identity even before Pearson was elected to the office. In WWI, WWII, and Boer war solders used to ware maple leaf on their uniforms, helmets, and badges. Even though, in WWI, Canadian soldiers had to ware the same uniform as Britain, they realized the importance of Canadian identity. Therefore, many patriots considered the maple leaf as a true Canadian symbol. Furthermore, maple leaf was used as an important decoration in Canada in the late 1800s and early 1900s. For example, when the Price of Wales came to Canada in 1860, maple leaf was the one that entertain everybody’s eyes. Moreover, between 1876 and 1901, the maple leaf was featured on all Canadian coins. Many people believed that maple leaf was an exceptional Canadian representation only stands for Canada. Therefore, having a strong uniqueness and idealism for over a century, the great debate over Canadian flag ended with a one apparent decision – the maple leaf.

Secondly, the maple leaf values the multiculturalism, without discriminating people from different ethnic backgrounds. The Union Jack was one of the main sources that helped emerged a crisis in Quebec. Quebecker dislike the Union Jack, which they consider it would discriminate their values. Many of them said it represent the invasion of Quebec by Britain. Though, on the other hand, the maple leaf does not neglect or exaggerate anybody in Canada. It emphasizes equate more than any other aspect. As a result, Canadian should be proud to have a symbol that would stands for everybody.

Finally, the maple leaf manages to re-unit Canada after it has been the official flag. Since it stands for everybody and its uniqueness, maple leaf builds a strong society in Canada. It also symbolizes the peace and propriety of Canadians. Everybody gets under a one flag when the country experiences conflicts as well propriety. Prime Minister, Mackenzie King in 1930s and 1940, made an effort to establish a Canadian flag, but he failed; however, in the depression and WWII, Canadians stood as a one united country. As a result, Canadians overcame every obstacle they faced. The unity of Canadians made a significance difference thought-out our history. Maple leaf is the symbol of the unity.s

In conclusion, maple leaf is just one of many leaves in Canada. Yet, it has a unique Canadian identity. It has been a unique symbol for more than a century. It stands for every Canadian. It does not ignore anybody and it unit all Canadians to under a one flag.

Canada and Afgan War

When an engineering team was trying to clear a road in Kandahar province, Canadian soldiers were exposed to the IED (improvised explosive device). One of them was seriously injured while the other two were in a reasonable position. However, Lieutenant- Commander Pierre Babinsky stated that all three were in a stable situation. Since 2001, seventy three Canadian soldiers were killed due to IEDs. Babinsky said that Canadian soldiers executed many operations successfully, in order to despite the fact that solders harmed form IEDs. He also emphasized that Canadian soldiers were trying variety of methods to battle against IEDs. At the end of the article, it explains two suspected Taliban insurgents were arrested by Canadian forces, and they had direct connection with explosive devices.

ieutenant Commander Pierre Babinsky is the main character of this news story. His perspective is, Even though, he has a clear understand on Afghanistan and IED issues, he attempts to emphasize those issues are not important. For example, he states that Canadian troops are doing a great effort in Afghanistan and IEDs are not a conflict for them. Having said that, he indirectly highlights that Canadian troops are reaching victory with any harm. In summary, Babinsky’s opinion is Canadians are safe in Afghanistan. Secondly, Author’s point of view is different from Babinsky’s point of view. The writer of this article, Colin Freeze, emphasizes that seventy three soldiers were killed as a result of IED explosives. Furthermore, he states that is a huge number of casualties for a peaceful country. He also states that IEDs are playing an enormous role in Afghanistan. In order to prove his judgment, Freeze writes two Taliban suspects were arrested who had direct contact with explosives. This example demonstrates that IEDs are still in Afghanistan and they are hurting soldiers.

Ontation Dependency on Foodbanks

Political leaders play a major role in this issue. Some political leaders criticize other leaders. For example, NDP leader, Hampton blames McGuinty because according Hampton, he emphasize that McGuinty fails to recognize poor children. Ironically, Adam Spence, the executive director of the food bank association, thanks McGuinty for increasing social assistance rate by 3 pre sent. Food bank conductors also give much more clear information on this issue. For instance, Ms. Bennison states how people come form a long way to food banks to get their daily requirements. In addition, Sandy Singers, chairman of the association, states that there around 340 000 Ontarians get aids form food banks. The writers of this article, Howlett and Rusk, uses Alim Nemtsov, a Ukrainian, to prove their point of view on this issue, further more. Food bank managers states that people such as, Nemtsov, highly depend on food banks because they receive minimum wage and living below poverty line. The numbers of food banks in Ontario are keep increasing (it increased by 4.8 per cent in 2004). Event though, there are many food banks in other provinces, such as Alberta and Quebec, the number of people use those food banks in those provinces are not as bad as Ontarians.

One point of view is that people who conduct food banks emphasize that Ontario has large number of food banks and huge number of people, who receive minimum wage, depend on it. On the other hand, the writer of this article explains there scenarios in an optimistic manner by using a positive writing technique. Even though, the writer indirectly states that “poor people in Ontario do not have to be anxious about hunger because there are enough number of food banks”, the facts that are given by food bank managers managed to make the writers guilty about their writing style. Another two different points of views are between NDP leader and Adam Spence. While NDP leader criticize McGuinty due to failing to recognize poor children, Spence’s gratitude on McGuinty make this issue more interesting. Adam Spence also criticized former premier Harris due to his deduction of benefits on social services.

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