Wednesday, February 28, 2018

The Downfalls of Dieting

Written by: Erin Kukura, MS, RD

The New Year is upon us which means so is the bombardment of dieting messages. We resolve to “eat clean,” “cut out sugar,” or “lose x amount of lbs.” Only to find ourselves burnt out, frustrated and unable to “stick with it” by January 31st.

So why are diets unsuccessful time after time? The good news is that it’s NOT you. The act of dieting goes against our bodies inherent mechanism to survive a famine. You are fighting primal biology every time you embark on a new diet. Let’s look at some of the pitfalls of dieting.

Why don’t diets work:

  1. Diets lead to weight gain over time. When dieting, our body receives the message that we are not meeting our basic energy needs. Signals are released that tell our body to do whatever it can to hold on to and conserve energy to prevent additional weight loss by lowering one’s metabolism. This is usually evident by the “weight-loss plateau.” Over time, periods of dieting and rebounding can lead to weight gain even above one’s weight prior to dieting. Thus, increasing one’s natural “set-point” or where one’s body feels most comfortable.

  2. Dieting equals restriction. Whether you’re cutting out total calories or food groups. Even as simple as telling yourself not to have a certain food item will likely trigger a feeling of deprivation. This leads to increased thoughts about food and for most people induces primal urges to binge or overeat. Therefore, it’s not a lack of willpower that causes one to “fall off the wagon” and eat everything in sight after being on a diet.

  3. Dieting doesn’t teach you how to eat or listen to your cues. What happens after the diet is over? We tend to eat all the foods that were once off limits and are further away from understanding what foods make us feel good and energized.
  4. Dieting takes time and energy away from more important things in our life. You miss out on hobbies, making connections with other people, enjoying nature, and living in the present. Things that bring meaning and enjoyment to our life.

What can you do instead of dieting?

The New Year might be a great time to assess how you would like to feel (strong, energized…). But, instead of focusing on losing weight, or cutting out “x.” why don’t you focus on the things that you know will make you feel better:

  • Aim for 7-8 hours of sleep a night.
  • Move your body in a fun way at least 1x/day (walk, yoga, swim, hike, soccer, dance…)
  • Try a new class (aerial yoga or surfing)
  • Incorporate one more serving of vegetables daily.
  • Eat breakfast every morning.
  • Pack snacks so you are not hungry in class or ravenous by dinner.

Focus on the smaller more sustainable changes that will lead to long-term success and happiness.

If you’d like to get more assistance with behavior change, how to stop the dieting cycle, eating intuitively contact Erin at:

e3enriquez@ucsd.com

Erin Kukura, MS, RD

UCSD FitLife Dietitian

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Best Jumbo CD Rates

A Jumbo CD requires a minimum investment of $100,000. In exchange, banks should pay higher interest rates. But do they? Here’s how to find the best Jumbo CD Rates.

best Jumbo CD rates

Jumbo makes everything better doesn’t it? Jumbo shrimp always taste better than regular shrimp. Jumbo jets took off in the 70’s and exponentially increased the number of annual passengers. The Jumbotron at sporting events allow you to see replays of the game you used to miss. And as luck would have it, Jumbo CD’s can offer you a better interest rate than their regular high-yield counterparts.

A Jumbo CD is just like a regular CD except for the fact that in order to open one, you need at least $100,000. In return for opening this very large CD, banks will typically provide you a better interest rate. You see, when they are able to lock down more of your money for a longer period of time, they can use that money for other things. Lending to small business, investing into other projects–banks can usually get a better return on your money than you can.

Just one problem.

Jumbo CD’s Are Fake News

So now that you know what a Jumbo CD is, you should also know it’s a term that in today’s banking world, almost doesn’t exist. Of all the national banks you’ve come to know and love from reading DoughRoller (Ally, EverBank, Barclays, Synchrony, Marcus, Discover, Chase, Citi. etc), NONE of them offer Jumbo CD’s. CIT happens to be the only bank we’ve written about that offers Jumbo CD rates, and to be quite honest, they’re not all that special.

If you search hard enough online, you will come across a couple of local credit unions that offer strong Jumbo CD rates. M.Y. Safra Bank and Veridian Credit Union can typically match the regular CD’s offered by house hold name brands and they may even beat interest rates by a tick or two. But both banks are restricted to local members and those that open up credit union accounts; so they’re not worthwhile if you live elsewhere.

The Best Jumbo CD Rates

Even though your money won’t work overtime if you deposit $100,000, CD rates today are the strongest they’ve been in a decade. Below you will find the best CD rate for the five most popular lengths. Nine months, one year, two years, three years, and five years. All banks are FDIC insured for $250,000 per depositor so have faith that your money is always protected.

Barclays (Nine Months)–If you can find a nine month CD that offers a little bit more then the best online savings account rates; it’s a good CD. Barclays nine month CD does just that, providing a 1.65% APY for the term.

To open a Barclays CD, there is no minimum deposit requirement. The CD will auto renew after nine months and you’ll have 14 days to withdraw your funds if you so desire. If you need to withdraw your funds early, the early withdrawal penalty for CD’s up to 24 months is 90 days interest. Considering this is such a short CD length that barely beats out some of the best saving account APY’s; if you’re not 100% certain the money can remain untouched for nine months, consider the 1.50% APY the Barclay’s savings account offers.

  • No minimum deposit required

Synchrony Bank (One Year)–This CD is what I consider to be the best CD on the market today. Synchrony is offer a one year CD with an interest rate of 1.95%. You won’t find a one year CD with a better rate and two percent for such a short term is simply fantastic.

The only caveat of the Synchrony 12 month CD is that it requires a minimum deposit of $2,000. That’s not nearly the size of a jumbo CD, but it is large enough to scare away a few potential customers. Like Barclays above, the early withdrawal penalty on a one year CD is 90 days simple interest. If one year is too long a term for you, consider the Synchrony savings account which currently offers an APY of 1.45%.

  • $2,000 minimum deposit required

EverBank (Two Years)–Working our way up the ladder, EverBank offers a High-Yield Pledge CD for two years at an interest rate of 2.11%. That’s a wee bit better than the 2% on a one year CD above so if you don’t mind locking your money in for twice as long, you can squeeze out a slightly better return with EverBank.

In order to do so, the minimum deposit to open any High-Yield Pledge CD is $5,000. There are no monthly maintenance fees, no other costs associated. If you have to close the account early an early withdrawal penalty of 25% is applied. That means if you earn $100 in interest; you’ll have to forfeit $25 of it back to EverBank. Also important to note for the high rollers out there, this APY is good for all CD’s up to $1,000,000. If you deposit more than that, check with EverBank to find out what your rate would be.

  • $5,000 minimum deposit required

EverBank (Three Years)–EverBank the best again with a three year CD, offering customers a rate of 2.20%. Just like the two year CD above, if you’re willing to lock in your money for an extra 12 months, you can receive an extra small piece of the pie. The same terms apply. Minimum deposit amount is $5,000. Early withdrawal penalty is 25% and this rate is good for balances up to $1,000,000.

Truth be told, if you’re depositing more than the $250,000 FDIC insured amount, you’re taking a risk. While it’s true that your money is still likely protected, should EverBank go under there is no guarantee you’ll recover 100% of your funds. Your best bet would be to break up the CD and either open an account under your spouses and/or children’s names or simply find another bank with a competitive interest rate and park $250,000 in as many different banks as you can.

  • $5,000 minimum deposit required

Marcus (by Goldman Sachs) (Five Years)–What a strange name for a bank. Imagine telling people you bank with Jenny or Theodore! Setting aside that oddity the new “Marcus” takes a big swing right away by offering new five year CD members a great 2.50% APY.  Also great is that the minimum to open this CD is only $500.

The early withdrawal penalty for closing a five year CD early is 270 days simple interest. That’s actually no too bad so long as you cross the three or four year marker before having to close the CD. With a rate of 2.50%, you’ll still be able to bank a considerable amount of interest, even with the penalty. Marcus also currently offers a very competitive 1.50% APY on their online savings account product. The minimum deposit required to open a savings account is just $1.

  • $500 minimum deposit required

It wasn’t too long ago that putting your money into a CD yielded almost the same return as putting it under your mattress. It didn’t matter whether you put $1,000 or $100,000 into a CD, interest rates were under 1% and there weren’t moving. Today however, there’s a real opportunity to park your money into a CD with a very strong APY.

Did we miss something? If you can find a Jumbo CD that competes with the interest rates above, let us know!

Topics: Banking

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Tuesday, February 27, 2018

What is a Collateral Mortgage?

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Continuum at Nature’s Edge – Prices, Plans, Availability

Artist rendering of Continuum at Nature's Edge, the latest North Vancouver townhome development by Brody.

At a Glance

  • located in North Vancouver’s Lynnmour neighbourhood
  • 23 strata townhomes
  • double garages
  • rooftop decks
  • near Lynnmour Elementary School & Capilano University
  • short drive to Deep Cove & Mt. Seymour
  • close to Highway 1 & Second Narrows Bridge

At Nature’s Edge
Coming to the North Shore, Brody Development is pleased to bring you a new 23-unit townhome project in North Vancouver’s Lynnmour neighbourhood. Ranging in size from two to four bedrooms, Continuum at Nature’s Edge is ideal for families who wish to raise their children in a suburban residential environment. Lynnmour Elementary School is across the street, while Windsor Secondary and Capilano University are each a five-minute drive away. Nearby Inter River Park offers several soccer fields, baseball pitches, a lacrosse arena, and a Nationals level BMX training area. Beside the park is the North Shore Equestrian Centre. A series of connecting biking and hiking trails offers access to Lynn Creek and Mt. Seymour Provincial Park. Water sports at Deep Cove are just 10 minutes away. Neighbouring Maplewood Farm is a formative educational opportunity with its 200 animals and fun activities. At Continuum, be at one with the North Shore’s beauty and nature.

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Pricing for Continuum
$1.1M – $1.3M.

Floor Plans for Continuum
Continuum family-friendly townhomes range in size from 1,000 – 2,500 sq ft. Floor plans include the following mix of residences:

  • three x 2-bedrooms
  • 19 x 3-bedrooms
  • one x 4-bedroom

Contact me today to discuss availability and plans according to your needs.

Amenities at Continuum
Each residence will have its own private rooftop deck from which to admire the beauty of the surrounding environs. Rentals and pets are allowed.

Parking and Storage
Continuum offers homeowners vehicle parking in private double garages. Ample storage is provided within each residence.

Maintenance Fees at Continuum
TBA.

Developer Team for Continuum
Brody Development is a well-established North Vancouver company specializing in multi-family communities and single-family luxury homes. Since 1977, Brody Development has built hundreds of multi-family units and single-family homes in North and West Vancouver. The North Shore environment inspires Brody to create warm, enduring developments, making optimum use of natural materials and traditional construction techniques, while also presenting contemporary features and detailing with an urban edge. In recognition of their construction excellence, Brody Development is the recipient of Silver and Gold Georgie Awards from the Canadian Home Builders’ Association of British Columbia. Their restoration of the McNair Residence received a Heritage BC award and a City Heritage Award from the City of North Vancouver.

Integra Architecture was formed in 1999 by two experienced architects – Dale Staples and Duane Siegrist. The partners share a belief in client-centered architecture, teamwork, and long-term working relationships. The firm’s capable staff has extensive experience in all types of residential buildings, mixed-use projects, as well as renovations and seniors housing. Through effective communication and high-quality construction drawings, Integra bridges the gap between the builder’s reality and the architect’s vision.

Expected Completion for Continuum
2020.

Are you interested in learning more about other homes in West or North Vancouver?

Check out these great North Shore Presales!

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1021 Burnaby Street in Downtown Vancouver

1021 Burnaby Street by Francl Architecture is a new 5-storey concrete building located in the West End at 1021 Burnaby. This project will offer 21 one- and two- bedroom condominiums. The site is near the gateway to Davie Village. Your daily needs are easily met by the neighbourhood’s stores and professional services.  With gyms, the False Creek-Stanley Park Seawall, the Vancouver Aquatic Centre, and English Bay, leisure options are close at hand.

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1021 Burnaby Street in Downtown Vancouver

1021 Burnaby Street by Francl Architecture is a new 5-storey concrete building located in the West End at 1021 Burnaby. This project will offer 21 one- and two- bedroom condominiums. The site is near the gateway to Davie Village. Your daily needs are easily met by the neighbourhood’s stores and professional services.  With gyms, the False Creek-Stanley Park Seawall, the Vancouver Aquatic Centre, and English Bay, leisure options are close at hand.

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Esurance Auto Insurance Review

If you’re looking for cheap auto insurance that’s easy to manage on the go, Esurance might be the insurance provider for you. Many insurance companies are still catching up on the technology game. Sure, most of the big names offer websites and apps. But they’re not all created equal.

esurance review

Esurance was one of the first direct-to-consumer online auto insurance companies, so they stand out on the tech front. But how else does Esurance stack up to the competition? Check out our in-depth review to find out.

History of Esurance

Esurance is an offshoot of Allstate Insurance Company, which is one of the more well-known names in the insurance world. It was one of the very first companies to start selling car insurance to consumers directly online. And that history of online interactions means it still stands out from a technology perspective.

Currently, Esurance offers car insurance policies in 43 states. Yet it has only 17 offices around the country. That’s because customers are meant to have easy online and over-the-phone interactions for buying car insurance, paying their insurance, settling claims, and anything else they need to do. Right now, Esurance insures about 5.2 million vehicles in the U.S.

What They Have to Offer

As we noted above, Esurance is best known for its stand-out mobile and online tools. For instance, you can use the mobile app to put in a claim with a photo of the damage. You can get an estimate almost immediately, and you can often get paid in just one day. You can also get on a video chat with an appraiser, who may be able to approve your payment right then.

If you have a car in the middle of being repaired, you can use RepairView on the app to get updates on your car’s status. Or you can use the app’s What If calculator to see how certain events might raise or lower your rate.

Besides these technical perks, Esurance is known for just having an intuitive interface and an easy-to-operate app. This appeals to those among us, including yours truly, who prefer to handle everything via web rather than over the phone or in person.

Of course, Esurance also offers a variety of insurance products, which are highly customizable. Their CoverageMyWay program lets you personalize your coverage options. Besides the standard liability, comprehensive, and collision service, Esurance offers add-ons like:

  • Loan/lease gap coverage
  • Emergency roadside assistance coverage
  • Rental car coverage
  • Uninsured/underinsured motorist liability coverage
  • Medical payments coverage
  • Personal injury protection coverage
  • Custom equipment coverage
  • Pay Per Mile insurance (but only for Oregon residents)

Overall, you can probably find the policy you need with Esurance if you’re like most vehicle owners.

Pros and Cons of Esurance

We’ve already discussed a few of the good things about Esurance, chief among them its technology. But here are a few other good points to consider, as well as some potential drawbacks.

Pros

  • They offer excellent technology, including great mobile tools that make filing claims quick and easy.
  • They offer a variety of discounts, including multi-policy discounts, emergency roadside assistance discounts, online shopper discounts, and claim-free discounts.
  • The company generally has good ratings from J.D. Power and Company. They perform especially well in the Pricing and Call Center Representative categories in the 2017 Insurance Shopping Study.
  • They’re backed by Allstate, which has excellent financial ratings and overall stability.

Cons

The Dollars and Cents

When we review insurance, we like to include quotes, since price is close to the top of the list of important things people look for when buying car insurance. But keep in mind that your quote can vary considerably. You could pay a lot more or less for insurance, depending on your particular situation, including your state, driving history, and the car you’re insuring.

But, nonetheless, we will walk through the quote process here so you can get an idea of pricing with Esurance. For these purposes, we’ll work with information close to my own. We’ll get pricing for a married female car owner who drives a 2009 Saturn Vue and lives in Indiana.

Here’s what the quote engine came up with:

That seems like a great quote, at first. The quote, however, is only for 50/100/50 liability insurance coverage with no comprehensive or collision coverage. I added those, each with a $500 deductible. Then I decided to add some of the extra features, including roadside service and rental car coverage.

With these additional coverages, the monthly cost jumped up to $77.35, or $455 for six months. That could be quite a bit higher than what you’d find with other companies.

Also, I was surprised during the quoting process that the quote engine didn’t work smoothly at this point. I had to reload it a few times to get it to spit out the new quote once I changed the parameters. That doesn’t bode well for an insurance company whose primary draw is its technology!

Who Is It Best For?

Depending on your current insurance situation, Esurance could be cheaper than what you have now. But you’ll definitely want to get a quote, since it doesn’t consistently rank well for low premiums. But if you’re looking for flexible insurance policies backed by a highly-rated company, Esurance could work for you. This is especially true if you live in Oregon and don’t drive much. In this case, check out the Pay Per Mile insurance, which could save you a bundle.

Topics: Auto Insurance

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{#TransparentTuesday} The Power of Being a Willing Participant With the Body’s Plan

 

While doing 4 ayahuasca ceremonies last January, I decided it was time to take out my IUD and be hormonal-birth-control-free for the first time in 15 years.

Soon after doing so, I began having some intensely challenging hormone issues.

The short story is that for about two weeks out of every cycle I was a disaster: I couldn’t get out of bed, I was crying all the time, I felt disconnected from other people and from joy, I was overwhelmed with depression, my brain was wrapped in fog, and I lost all sense of reality.

As I started treatment for these issues, things started to shift, but treatment is a long and slow process. We were taking the non-invasive natural (read: slowest) path to healing and for a while things were actually getting worse. Eventually I told my doctor that my mental health and relationship were crumbling, and I couldn’t go on like that.

With the help of some more intense interventions, I’m on my road back to being ok/normal now, but I’ve thought a lot about what the FUCK this journey has all been about.

The thing is, I believe the body is always talking to us,
if only we can listen.

I believe the body is always protecting us, if we can trust it. And most importantly, I believe the body is always teaching us, if we seek to understand.

A few months ago, I realized that all this time, I had been trying to control/fix my hormone issues, but I had never sought to understand them. I felt silly, since this is like body image coaching 101 for me, and if a client had come to me with these issues I would have immediately suggested she open up a dialogue with her body.

So… that’s what I did.

“Dear body,” I said. “I’m ready to listen.”

It had been a hot minute since I last spoke to my body like that. I explained what I was struggling with and what I wanted to understand. I asked it what it was trying to show me by making me so miserable every month, and I promised to listen deeply for whatever answers arose.

Suddenly, while brushing my teeth a few nights later, the answer came.

I had taken out the IUD to reconnect with my “natural” female cycle. I had hoped to feel super feminine and sexy and fertile and luscious. Instead I felt swallowed up by darkness, helpless, and unable to trust myself, my partner, or reality.

The truth is, this fact made me angry.

I was angry at the ayahuasca for telling me to take out the IUD in the first place, and I was angry at my body for fucking up my life every few weeks. I had felt betrayed by both, and the feelings of anger and betrayal had cut me off from the wisdom of what my body (and the plant medicine) had been trying to teach me.

But, as they say about Ayahuasca: it offers you the healing you need, not the healing you want. 😉

So here’s what happened: I took the IUD out, and I fell into darkness. Really and truly, my life, my trust in reality, my access to joy, my very sense of self crumbled and fell into a seemingly endless abyss of darkness.

It was like a year-long UNdoing of light and love and ease.

I once told a friend that there was something pure and satisfying about how depressed I was. The darkness that swept over me during the two weeks before my period were almost beautiful in their powerful untouchability.

I’ve never before known such uncontaminated, unadulterated despair.

The answer that arose for me while brushing my teeth was that I needed this time to experience and integrate my own darkness.

After all, I’ve experienced untouchable light; why shouldn’t I experience it’s opposite?

Four years ago now, I spent the better part of a year walking on clouds, filled with a peace, ease, light, and love that I had never experienced before. That light too was untouchable, uncontaminated by the circumstances of life.

At the time, I thought: I did it! I’ve had a spiritual awakening and now I’ll just be happy forever!

Naturally that wasn’t the case (ha!), and instead what happened was that I moved between two parts of myself for years: the enlightened Higher Love and Light part, and the regular old human part. I wrongly believed these were the only two parts of myself that existed.

When I took out my IUD, I discovered an untouchable darkness that is just as much a part of me as the untouchable light.

When I asked my body what I needed to learn, it told me that I needed to learn how to integrate both. That my darkness is just as important as my light, and I needed time to fully, really, truly get to know it, so that when the darkness faded (as it is fading and will fade) I will be left with an equal respect and appreciation for it as I do for my light.

This revelation made me weep with gratitude– if for no other reason than because having an answer of any kind made me feel less hopeless, less loss, and less betrayed.

You might say this sounds too woo-woo and I just made that answer up, and I can’t prove you wrong. I choose to believe the answer came to me because I approached my body with respect and trust, and asked it to help me understand what it was doing.

And more importantly, having a reason that feels true to me immediately changed the way I approach this period of my life. I started welcoming my darkness with reverence and joy, instead of anger and despair.

Also, you might be surprised what comes up for my clients when they ask their bodies to help them understand. We really do hold all the answers we ever need inside us already.

Now me, my hormones, my body, my pain and darkness: we are all in cahoots.

I’m in on the secret. I’m a part of the plan. I give my consent to be knocked down, and the darkness is gentler and gentler each time.

Being a willing participant with your body’s plan makes all the difference. 😉

After all, there’s nothing to be afraid of here; it’s just good, clean darkness.

 

<3

Jessi

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Monday, February 26, 2018

The Granville by Aoyuan Property on Vancouver’s Westside

The Granville by Aoyuan Property is a new 8-storey mixed-use concrete development located at the corner of Granville and West 7th. This project will offer four retail units and 41 one-, two-, and three-bedroom condominiums. The project is set within a well-developed community and a prosperous commercial environment. It is only a 10-minute walk to Granville Island, a popular hotspot for sightseeing and entertainment with a thriving art scene. The Granville will be 5-minute walk from the extension of the Millennium Line Skytrain upon completion.

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The Granville by Aoyuan Property on Vancouver’s Westside

The Granville by Aoyuan Property is a new 8-storey mixed-use concrete development located at the corner of Granville and West 7th. This project will offer four retail units and 41 one-, two-, and three-bedroom condominiums. The project is set within a well-developed community and a prosperous commercial environment. It is only a 10-minute walk to Granville Island, a popular hotspot for sightseeing and entertainment with a thriving art scene. The Granville will be 5-minute walk from the extension of the Millennium Line Skytrain upon completion.

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What Is Up With Chicago’s Property Taxes? Accounting Solutions Ltd. Explains The Changes And How They May Impact You

Understanding the ins and outs of Chicago’s tax system is an ongoing process that has certainly kept Accounting Solution Ltd.’s dedicated CPA’s hard at work over the past few decades. Every year we experience a number of changes that alter … Continue reading

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SKY Residences in Downtown Edmonton – Availability, Plans, Prices

At a Glance

  • Heart of ICE District Location at 103 Avenue Northwest, Edmonton
  • Situated on floors 30 through 66 atop Stantec Tower with unobstructed city views
  • SKY Resudebces is the tallest tower in Canada (outside Toronto)
  • Business Centre, Media Lounge, Poker Lounge, Billiards Club, Fitness Centre, Yoga/Pilates Studio, Infrared Sauna and more
  • Short walk to Rogers Place, shopping, dining, Cineplex VIP and UltraAVX Cinemas and more
  • 4 floors of retail and a pedway to the new JW Marriott hotel

Live Urban at Centre ICE

Excitement lives here, in almost too many ways to count. There’s ICE District’s buzzworthy restaurants and cafes, ongoing Oilers games, concerts,cultural events, shopping, a Cineplex UltraAVX & VIP Cinema, and the Grand Villa Casino. Wherever you roam within ICE District, you’ll stay connected to Wi-Fi, thanks to state-of-the-art bre optic cabling running throughout the community.

This address provides a convenient, direct inside connection to downtown Edmonton’s above ground pedway system. Shed your winter coat and explore ICE District or downtown in climate-controlled comfort. Or, hop on the LRT or transit system located just steps away, and get anywhere else quickly and easily.

 

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Pricing for SKY Residences

Starting $332K for 1bed + 1bath.  Serious buyers are advised to sign up to our VIP list above for priority access to SKY Residences.

Floor Plans for SKY Residences

SKY Residences Floor Plans

Contact me today to discuss availability and plans according to your needs.

Amenities at SKY Residences
SKY’s stunning 20,000 sq. ft. amenity space on the 30th floor features a rooftop terrace, hot tub, fitness facilities, a dog run and more.

Maintenance Fees at SKY Residences
TBA.

Developer Team for SKY Residences

ICE District is Edmonton’s potential brought to life. A once-in-a-lifetime opportunity to develop 25+ acres in the heart of a modern metropolis.

ICE District started with Daryl Katz and a vision. Katz Group partnered with the City of Edmonton to build Rogers Place, the catalyst for ICE District. In 2012, Katz Group then joined forces with ONE Properties to create ICE District Properties, the vibrant mixed-use development surrounding the arena. Through their partnership, Katz Group and ONE Properties aim to bring Edmontonians together and attracts visitors to a city that’s truly world class.

Expected Completion for SKY Residences
Beginning of 2020

 

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Alma & 10th on Vancouver’s Westside

Alma & 10th by Landa Global is a new four-story mixed-use concrete development located at the corner of Alma & West 10th Ave.  Contemporary form transitions into traditional charm to enhance this upscale neighborhood. This classically-inspired project will offer seven retail units and 32 two and three-bedroom condominiums. The Broadway commercial district, top-rated schools, Almond Park, fitness centre and more are just steps away.

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Alma & 10th on Vancouver’s Westside

Alma & 10th by Landa Global is a new four-story mixed-use concrete development located at the corner of Alma & West 10th Ave.  Contemporary form transitions into traditional charm to enhance this upscale neighborhood. This classically-inspired project will offer seven retail units and 32 two and three-bedroom condominiums. The Broadway commercial district, top-rated schools, Almond Park, fitness centre and more are just steps away.

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How to Save Time and Money with These 10 Grocery Delivery Services

Even with the extra costs, here’s how grocery delivery services could save you money.

grocery delivery services

My family is fairly frugal when it comes to groceries. We don’t clip coupons or always shop sales, but we do come in well under the USDA’s moderate-cost food plan. However, a couple of years ago, we ran into a super-busy patch. We were renovating a home, both working full-time, and raising a preschooler.

We just kept running out of time to get to the grocery store. And when we did, our local Aldi (which is usually our favorite) would be out of several of the major components of our weekly menu. This meant a second or even third grocery store run over an already-packed weekend.

Or if we just didn’t get around to shopping on the weekend, we’d wind up scraping the bottom of the proverbial barrel for food for a couple of days. After that, we’d just get take-out for dinner, and we’d both eat out for lunch. For a couple of months, we spend way too much on dining out.

Instead of beating ourselves up about our ultra-busy season of life, we decided to turn to grocery delivery services. Yes, the groceries aren’t as cheap (and sometimes aren’t as high-quality) as what we’d find at Aldi. And, yes, we pay a delivery fee. However, having groceries delivered on a regular basis wound up saving us significant money because we didn’t have to eat out nearly as much.

And since I first published this article in 2016, more and more grocery delivery and shopping services have come on board. Some of them are even cheaper than the originals. Read on for ideas of ways to save with grocery delivery services.

Our Grocery Delivery Experience

When we started looking at grocery delivery services, a couple of major local options popped up: Grean Bean Delivery and Peapod.

Green Bean is great in that they offer mainly organic, locally-sourced foods. They’re not so great in that their prices are quite a bit more than what we normally pay. Plus, you have to set up a standing delivery date and a box of produce that comes with each delivery. It’s a little like a Community-Supported Agriculture (CSA) share, but year-round.

Peapod offers a wider variety of foods, including organics but also traditional and packaged foods. Their produce quality is okay, though not the highest we’ve ever seen. But their prices are reasonable. Since they offer many items in their own off-brand name, we wound up paying only a small premium for the privilege of not setting foot in Aldi for weeks at a time. Plus, I could put in an order on a Monday and have it delivered on a Tuesday, if I needed to. There was no need for a standing delivery day.

For a while, we used Peapod more weeks than not. Sometimes we’d end up with leftovers to spare for the next week. Then we’d just make a quick grocery run for a few basics and skip the Peapod delivery.

But once we had our groceries delivered, our “let’s just get pizza tonight” blues largely went away. We still didn’t like to cook every single night, so we ate out occasionally. But we no longer defaulted to eating out because the only thing in the fridge was a head of wilted lettuce and a half-empty carton of almond milk.

With our experience with Peapod, we’d spend about $100 more on groceries each month, including delivery fees. But we also didn’t come home with random grocery store purchases we didn’t need. And we ate more healthy foods and ate out much less frequently.

And, of course, those dollar amounts didn’t necessarily capture the time we save, either. Grocery shopping usually took my husband two or three hours on the weekend, by the time he’d get to the store, get through the list, and drive to a second store to finish up. Now, we have that time back to get projects done on our home, hang out with our kids, or simply relax. And that is priceless.

Is it for You?

I’ve talked to lots of friends about grocery delivery. Some would like to try but others prefer to shop once a month at Sam’s Club or nearly every day for fresh meat and produce at the local market. So grocery delivery definitely isn’t for everyone.

However, if you’re a single parent or a two-income household, I’d highly recommend checking out delivery services. It’s even great for moms of tinies since everyone knows weekly grocery shopping trips with a fussy baby and grabby toddler are basically a form of torture for parents everywhere.

When considering whether or not a grocery delivery service is right for you, ask yourself the following questions:

  • How important are bargains to me? You’ll find that delivery services do offer some sales, but they may not match what you can get at your local store. To find out, you can just create an account and make up a cart of things you’d normally buy. See what the cost differential is, and go from there.
  • How much will I pay for delivery? Below you’ll find a list of larger grocery delivery services and their delivery fees. You’ll often find that the more you spend on groceries, the less you’ll spend on delivery. Or you may be able to save by having your groceries delivered at off-peak times, like certain weeknights or late on weekends.
  • How much time will this save me? Even if a delivery service won’t save you much money, think about how much time you spend grocery shopping in a week. Then figure out what that time is worth to you. If you’re squeezing shopping into an already packed schedule, freeing up just two or three hours a week can make a huge difference.
  • Will this save me money in other areas? Even if you’ll wind up paying a premium for your groceries, will a delivery service keep you (like it did me!) from eating out for lunch and dinner on a regular basis? Look at your dining out spending for the last couple of months if you need a reality check here.

If you decide to try a delivery service and are in the market for one, ask yourself these questions as you find the right delivery service for your needs:

  • Which grocery items do I need to access? If you’re always running out of basics like bread and milk, you can probably get those anywhere. But think about other particulars, like organic or local foods. Many services specialize in these types of items, and those may be a better fit if that’s important to you.
  • How often do I want a delivery? Check out the options for standing deliveries vs. ad hoc deliveries. As I said, we prefer to wing it, as our needs change from week to week. But standing services could offer a discount on basics (like Amazon’s Prime Pantry service can do) and could be a better fit for you.
  • Can I be home to take the delivery? Some services, such as Peapod, will leave your groceries on your porch or at another location if you can’t be home. This can be helpful if you work a crazy schedule. Just beware! Peapod delivers their groceries in iced-down coolers packed in cardboard boxes. They can take up a lot of space in your home, and you have to keep them around until your next delivery driver can pick them up. We found this a pain and now only schedule deliveries when we’ll be home to meet the driver.

10 Large Grocery Delivery Services to Consider

Consider this list a jumping off point, as most localities have smaller services that may be a better fit for your needs. Before you land on one of these larger services, run a Google search for grocery delivery in your area. You might be surprised what pops up!

1. Peapod

Since this is the service I use, we’ll start here. Peapod currently delivers in Chicagoland, Milwaukee and southeast Wisconsin, Indianapolis, Connecticut, Massachusetts, Rhode Island, southern New Hampshire, New York, New Jersey, Maryland, Virginia, D.C., Philadelphia, and southeastern and central Pennsylvania. They carry a variety of foods, from organic produce to pre-packaged and frozen meals.

Delivery Fees: $9.95 to $6.95, with discounts frequently offered

Minimum Order: $60.00

2. Instacart

This delivery service operates in 42 states and Washington, D.C. You can find their complete list of states and cities here.

Delivery Fees: Free+ – Instacart doesn’t list set pricing, but says that certain deliveries can be free, while others may be charged extra for busy times. Fees are listed at checkout.

Minimum Order: $10.00

3. Safeway

These popular grocery stores offer delivery in Arizona, California, Maryland, Oregon, Virginia, Washington, and D.C.

Delivery Fees: $9.95 to $12.95, with a possible fuel surcharge. (Free for first-time customers.)

Minimum Order: $49

 

4. WeGoShop

This is another service that offers delivery to many locations throughout the U.S. and Canada. You can find out here if they offer delivery services in your area. This service actually relies on local providers and can take advantage of your local grocery store. In fact, you can specify where your shopper should shop for your groceries, including warehouse stores like Costco and Sam’s Club.

Delivery Fees: Variable

Minimum Order: Variable.

5. Google Express

As of late 2016, Google Express was available throughout most of the United States. It piloted in only a few areas, but now serves more states than not. It’s partnering with a variety of grocery and non-grocery retailers, including Kohl’s and Walgreens. So you can actually get more delivered than just groceries with this convenient service.

Delivery Fees: $95 per year or $4.99 to $7.99 per order

Minimum Order: $25 to $35, depending on store

6. Amazon Fresh

Amazon Fresh hit the market around the same times a Google Express, but rather than expanding, it actually contracted services in 2017. But it may still be available in your area. Just visit the website to find out.

Delivery Fees: Amazon Prime Fresh is an add-on to your $99/year Amazon Prime membership, and it costs $14.99 per month

Minimum Order: None Listed

Have you used a grocery delivery service? What was your experience like? Let me know in the comments!

7. FreshDirect

This is a growing service, but it delivers to many U.S. ZIP codes on the east coast. The website is robust and gives you loads of options. It boast that it has a proprietary software that gets your food from the closest possible source.

Delivery Fees: $5.00 to $15.99, depending on location

Minimum Order: $30 to $99, depending on location

8. Costco Same Day

If warehouse stores are your jam when it comes to grocery and household shopping, check out Costco’s Same Day delivery service. You can shop online, schedule your delivery, and get them right to your door. This service is being rolled out in more areas of the country, so check to see if you qualify.

Delivery Fees: Varies

Minimum Order: $35 for same-day

9. Shipt

This service uses your favorite local grocery stores to get your groceries. They say you can expect to spend about $5 more per $35 of groceries, so it’s a relatively small premium. But you can get your groceries in as little as an hour after you order. Right now, they offer services in 16 states. Instead of charging flat delivery fees, they charge a small premium on each item you buy.

Delivery Fees: Free to $7

Minimum Order: No minimum, but $35 to get free shipping.

10. Walmart

Instead of offering delivery services, Walmart now offers free same-day pickup. It’s nearly as convenient and may save you money. They’ll even put the bags in your car for you.

Delivery Fees: None

Minimum Order: None

Besides these stores, you might also check your local stores. One of our favorite local grocery stores now does free pickup orders like Walmart. And smaller grocery delivery and subscription services are kicking off all over the United States. Either way, you can probably find a convenient, affordable service that will save you time and, ultimately, money.

 

Topics: Budget

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How to Estimate the Cost of Auto Insurance Before Buying a Car

Cars are expensive. To help keep costs down, here’s a detailed step-by-step guide on how to get a car insurance estimate before buying your next vehicle. Our guide includes resources to help you get free auto insurance quotes.

car insurance estimate

So you’re thinking about buying a new car? Unless you’re paying in cash, you’re probably up to your ears in cost estimates. How much will your monthly payments be? What about the interest charges for financing the car? And how much can you really afford?

Even if you’re paying in cash for your car, you’re probably swimming in numbers. How much do you have in your bank account? How much can you expect to negotiate? Do you really want to spend your whole savings balance on a car?

Unfortunately, we’re here to add more numbers to your thoughts: the cost of insurance.

When calculating how much car you can afford, it’s common to think only of your car payment. But you also need to look at other costs, including the cost of registration and taxes, the financing costs, and, you guessed it, the cost of insurance.

Car insurance companies account for a variety of factors when they decide how much to charge for your vehicle. And one major factor is the car in question. And it’s not just about the cost of the car. It’s also about things like the car’s make and model, the year of the card, and any additional features the car might have.

Here, we’ll talk about the car-related factors that affect your insurance costs. Then we’ll talk about how to shop for car insurance before you head to the car lot.

Car Characteristics and Insurance Price

So what characteristics of a vehicle affect insurance costs? Here are a few to consider:

  • Price: The more expensive the car, the more expensive it will be to insure. After all, if you have comprehensive coverage, your auto insurer will have to give you the value of your car if you total it. A more expensive vehicle means a bigger payout for the insurance company. And they’ll gladly pass those potential costs on to you in the form of higher premiums.
  • Cost of Repairs: High-end and foreign cars are often more expensive to repair. This is especially true if it takes particular expertise to fix the car in question. So if you’re looking at a car with more expensive parts or specialized labor required, you’ll have higher insurance costs.
  • Age of the Car: Very old and very new cars can be more expensive to insure. Although very old cars are cheaper if you don’t finance them and, therefore, don’t need comprehensive coverage.
  • Driver Assumptions: Unfortunately, car insurers make assumptions about you, the driver, based on the car you choose. Those who drive fast, sporty cars may be more likely to take risks and wind up in accidents. So these cars can be more expensive to insure than family-centered minivans and hatchbacks.
  • Body Type: A car that is larger and heavier is more likely to do major damage in an accident. This can make cars like SUVs more expensive to insure.
  • Theft Statistics: Vehicles that are more likely to be stolen are more expensive to insure. Insurance companies stay on top of theft reports, and which types of vehicles are most popular for thieves to take or attempt to take.
  • Safety Features: Most cars today, even older models, have basic safety features like airbags and anti-lock brakes. But you can get more insurance discounts if your vehicle has additional safety features like a backing camera or blind spot alerts.
  • Anti-Theft Features: You’ll see a discount on your car insurance if the car in question has anti-theft features, such as a built-in alarm system.

These are the types of features to keep in mind when you’re shopping around for a vehicle. In general, choosing a moderately-priced, new-ish sedan with extra safety and anti-theft features will net you much lower insurance costs than choosing a high-priced, cherry-red sports car.

Most and Least Expensive Vehicles to Insure

Each year, Insure.com puts together a list of the most and least expensive vehicles to insure. If you’re particularly concerned about insurance costs, this is a good place to start.

For 2017, the least expensive cars to insure included the Honda Odyssey LX minivan, the Jeep Renegade Sport, the Jeep Wrangler Black Bear, the Honda CR-V LX, and Jeep Compass, and the Subaru Outback. The list of 2017 most expensive cars to insure includes several high-end models from Mercedes, of course. At the top of the list are the Mercedes 365 AMG convertible, Dodge GTS Viper, Mercedes s63 AMG 4Matic convertible, and Maserati Quattroporte GTS.

Maybe you’re already in the market for an Odyssey. If so, great. You know you’re looking at the cheapest car to insure. But if your car isn’t on the most or least expensive list, try the next few steps for estimating insurance costs.

Narrowing Down Your List

So with that in mind, start putting together a list of the vehicles that will work for your needs and wants. You really don’t want to have to run insurance quotes for fifteen different makes and models, though. So, instead, try to narrow your list down to five or fewer makes and models that you’re interested in.

This will, of course, depend on how much you’re planning to spend on a car, how much room you need in your vehicle, and other personal factors. Once you have your list, you can start looking at actual quotes.

Look at Apples-to-Apples Quotes

It can be difficult to find out exactly what a vehicle will cost to insure until you actually purchase the vehicle. After all, you may not know what safety features will be available or exactly how much you’ll pay for the car until you’re ready to buy one. But that doesn’t mean you can’t estimate your insurance costs.

One way to do this is to make a list of all of the top makes and models for which you’ll be shopping. Look at the standard safety and anti-theft features that come installed in those vehicles so you can include those in your quote. Then figure out about what year of vehicle you’ll be looking at based on what you need and what you can afford.

So your list might look something like this:

  1. 2015 Honda Odyssey with brake assist and rearview camera
  2. 2014 Toyota Sienna with rearview camera, lane departure warning, and adaptive cruise control
  3. 2015 Kia Sedona with rearview camera

Then, you’ll want to run these scenarios through a calculator. Hold everything constant–including the type of insurance coverage, your own personal information, etc. But just change the vehicle’s make, model, year, and safety features.

Then, see what you come up with. You can use an insurance quote aggregator like Insurance.com to get several quotes at once. Or you can look at individual insurance companies’ websites and compare their quotes. Make yourself a spreadsheet so you don’t forget the rates you’ve looked at.

You will want to get a variety of quotes, though. Most insurers have different ratings, so a car that’s cheaper in one place may be more expensive elsewhere.

A Quick Example

Really, that’s about it. You just have to figure out what vehicles you’re interested in and then check out insurance rates for those vehicles. But here’s a quick example of running the above-named minivans through insurance.com. I used my own information as a 31-year-old married female living in Indianapolis, just for the record.

I noted that I’m driving the vehicle about 6 miles a day, five days a week. I didn’t add my husband to the quotes, just for simplicity’s sake. And I noted that we own our own home. These insurance policies automatically went to $100,000/$300,000/$50,000 policies. So you’ll want to also make sure you’re getting quotes for the coverage amounts that suit you best.

Honda Odyssey

Toyota Sienna

Kia Sedona

Things to Remember

It’s important to remember, again, that a few changes to your car’s make and model and features could mean dramatic changes in your insurance costs. So when you find a vehicle that you’re really interested in, run the numbers for that specific vehicle. But going through this cost comparison process before you start shopping can help you find a car that is cheaper to insure from the start.

I would also note that insurance aggregators don’t give you access to all insurance companies out there. So you’ll want to look at a couple of different aggregators, and probably look at quotes directly from a few insurance companies that interest you. Check out our list of top car insurance companies in 2018 for a place to start.

Topics: Auto Insurance

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