White x Orange + 🌿
It’s been so warm these past few days which makes me expect the arrival of Spring... though i know it will snow again soon.😅
I’m definitely not a winter person, because i just love the cool breathe of early summer🌼 What’s your favorite season?
Have you heard? Changes are coming to the mortgage stress-test.
Recently, the Department of Finance announced that starting coming April 6, the benchmark rate used for determining the minimum qualifying rate for insured mortgages will be adjusted. The new benchmark rate will be the weekly median 5-year fixed insured mortgage rate from mortgage insurance applications, plus 2%. The goal of this adjustment is to create a more dynamic minimum qualifying rate to reflect the evolution of market conditions and to ensure that home buyers are able afford their homes even if interest rates rise, incomes change, or families are faced with unforeseen expenses.
- If you have a down payment of less than 20%, lenders are required to obtain a government-backed mortgage insurance. The mortgages must comply with the insured mortgage rules set by the Minister of Finance, including the insured minimum qualifying rate.
- If you have a down payment of 20%, or more, of the purchase price, insurance is not required. The minimum qualifying rate for uninsured mortgages is set by the Office of the Superintendent of Financial Institutions (OSFI), the independent banking regulator. The OSFI is also considering the same new benchmark rate to determine the minimum qualifying rate for uninsured mortgages.
In this modern world, we are surrounded by toxic chemicals on a daily basis in which the increased chemical exposure could adversely affect our human health. Nail care isn’t an exception. It’s well-know that a normal nail treatment involves many chemicals that can potentially pose your health at risk, though we have always overlooked or written it off as the price of beauty.
At our salon, we believe beauty and health are not mutually exclusive, in fact, our philosophy is ‘’ Health is the foundation of beauty’’. By utilizing organic products that eliminate the use of harmful chemicals and ingredients, coupled with nourishing natural extracts, being beautiful doesn’t come at a cost of your health.
1 548 minutes ago
How 😎this look???
1 250 minutes ago
How many of you #bosses get asked to volunteer services or give away free products?
When I first started my business, I had a goal of giving a portion of my proceeds to charities and non-profits or to use my services to help a good cause. A few years later a term was coined for it: social entreprise. While I still hold #GivingBack as a value of the business, I know the importance of saying yes, BUT only if it doesn't affect my other clients or my mental or physical health. Otherwise resentment sets in or maybe my best work isn't put forward.
That's why I limit my #LoveProjects / pay it forward or volunteer projects to once a month.
I give of my time and services to one new or existing cause once a month.
Please share if you think somebody can benefit of this news: It’s a seller’s market. Houses in Ottawa are selling for over asking and with multiple offers. If you were thinking of selling your property, this is your time to make big money. If you want to know for home much houses like yours are selling contact us and I guarantee you’ll do your happy dance! Contact us here:
It’s been a little over 9 months being off with this girl. She keeps me on my toes every second of every day. Crawling, pulling herself up on every piece of furniture, putting every possible thing in her mouth…it’s exhausting. I can’t wait for her naps. But then, I find myself looking at pictures of her while she’s asleep. Does anyone do the same?
2 111 hour ago
Today YOU are YOU!! that is TRUER than TRUE!! there is no one ALIVE who is YOUER than YOU!! -Dr.Seuss
0 151 hour ago
THIS WEATHER 🙌
No winter boots, no winter coat, let me live like this forever. Or at least until Wednesday cause there’s a snow storm coming for us 🙃🙃🙃
44 1111 hour ago
#Interiordesign , #diy and TV has all been a fairly new journery for me. I worked for years as a Child and Youth worker in group homes and as a Community Developer in low income communities. At the time I really felt that I was going to do this for the rest of my life. After several year in the field I felt that something was missing. It took me a little time to figure it out but I realized my love for Interior design and took an Interior Decorator course. I loved everything about it and become passionate about getting creative. If you would have asked me 10 years ago if I was creative I would have told you absolutely not. That is something that I hear quite often from people ...that they are not creative. I don't believe it. Everyone has some creativity, it may be just finding what works for you, taking the risk and letting go of the outcome. I truly believe its one way to stay grounded in our crazy, busy life. ✌🙌 📸 @ashley.st.germain #getcreative#bluebirdupcycledstyle#ottawa#ottawainteriordecorator#ottawablogger#ottawadiy#ottawastyle#ottawalove#ottawalife
Monday Biz highlight: My absolute favourite nail hot spot is @blossomnailsandspa_ in Barrhaven at Barrhaven Crossing. I am loyal to the wonderfully talented Jessica, but everyone there does an amazing job and the customer service is fabulous! Jessica is so attentive to details and really takes her time. I personally love the dip powder for my nails, as it lasts long and I always feel professional and finished. They offer pedicures as well, and shellac polish too. If you go check them out, tell them I referred you!
Meet our AMAZING panelist! Come see her and others talk at our event on March 12th, tickets in the bio!
Meseret Haileyesus is the Director of the Canadian Center for Women Empowerment, a non-profit organization supporting domestic violence survivors through mentorship and resources to achieve long term safety’s financial stability.
Meseret was recently named 2020 The Most Accomplished Black Canadian Women and 2020 Women of Inspiration. She was also a nominee for Canadian Excellence in Global Women and Children’s Health.
1 82 hours ago
Feeling very grateful for having been introduced to this powerful method and now sharing it with the world.
The Wim Hof Method is simple yet extremely effective. It helps us come back to our inherent humanity. To become curious and explore the deepest capabilities of our selves. And above all, it has created an extraordinary conscious global community who all want better for themselves, others, and the world.
Thank you @bforceteam, @maxstp11, and @sebastien.duchesne.7 for welcoming us into your family this weekend to share this method. The day was inspirational for us to see how vulnerable and engaged your group was. Merci 🙏
The hardest part is just getting started
Another week, another Monday of lacing em up and getting after it 👊🏼
Comment below if you’re starting off the week strong! #bootybyjake
💎 The Nordik Day Escape 💎
The gorgeous weather today is making me think of how much the nourishment and power of nature can shift you. Everyone lightened up so much with some sunshine. March 11 we are going to retreat into some serious self care, nature and nourishment @nordikspanature_chelsea for the day. @healwithjas and I have planned a day where all you have to show up and connect to nature, your true nature and RECEIVE - the highest form of abundance. Starting the morning in a lodge and continuing to the thermal experience.
What’s included: ⠀⠀⠀⠀⠀⠀⠀⠀⠀
- all levels yoga practice, pranayama and meditations
- work through your heart and remove blocks workshop
- energy healing
- Ayurvedic season based lunch
- juices and adaptogenic tonics to compliment the practices
- full afternoon of thermal experience
- optional 1-1 readings and spiritual guidance with us
- connection to community and self
We are already half sold out in a week with such a wonderful group. Deep rest is the call. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
March 11 9-5
Link in bio to book your spot. Don’t be shy to DM should you have any questions.
4 273 hours ago
There’s something about the views on this bridge that always gets me 🏙
MEET THE STRONG GIRLZ 💓⠀
Check out our interview Q&A with Strong Girl, Claudia❣️⠀
Claudia is 13 years old and in Grade 7! She has one older brother!⠀⠀⠀⠀
〰️Sunset or Sunrise? Sunrise 🌅 ⠀⠀⠀⠀⠀⠀
〰️Disney or NYC 5 day vacay: Disney 👸 ⠀⠀⠀⠀⠀⠀
〰️Dream trip destination: Greece!⠀⠀⠀⠀⠀⠀⠀
〰️If you won the lottery, what's the first thing you would buy? Shop for clothes 🛍 ⠀⠀⠀⠀⠀
〰️3 words that best describe yourself: funny 😆 smart, and caring ♥️ ⠀⠀⠀⠀⠀
〰️Goal for this year: to keep her grades up! 📖 ⠀
〰️Favourite part of Strong Girlz program so far? New friends 👯♀️ and then workouts 🥊 ⠀
〰️What transformations have you experienced since joining Strong Girlz? Sore legs the next day LOL 😂 ⠀
〰️What area of life do you feel girls your age or younger need guidance in? Better support systems and more confidence! ⠀⠀⠀
〰️What fitness goals have you achieved so far in the program? Even though she was a late member, she managed to slip right in without skipping a beat! Strong girl alert! 🚨 ⠀
Amazing work, Claudia! We love having you as a part of our Strong Girlz community! 💝⠀
2 173 hours ago
Picked up Kat this afternoon. She was feeling down with a headache and just wanted to call it a day 😞..... but THEN I show up as her driver and we had an awesome convo on the way to her destination !!!
Lemme tell ya, this lady is absolutely FULLLLL of positivity and ultra cool vibes that one just can’t help but be drawn to her 😊.
Love meeting people like her ! Just makes my day 😃 oh and ummm btw everyone.... the silly face on me ??..... that’s as silly as I get 😜 . #ilovemyjob#bestuberever#bestuber#uottawa#ottawa#ottawalife !!
Dear Ottawa: Thank you for such a beautiful day. I know it won't last, but the sunshine and warmth gave the sweet, sweet dopamine boost I didn't know I needed. I've been sticking to my daily(ish) sketchbook habit since January--as always, trying to keep things loose and avoid being too precious. It feels vulnerable to share stuff like this (especially since I don't seem to have a consistent way of drawing myself lol), but I know how much joy and inspiration I get from peeking into others' sketchbooks. Hopefully, there's something here for you, too 😂
In transit. .
Last night I went for a short photo walk by myself. I went to the Tunney's Pasture O-Train station to try and get some long exposures of the train. I got a couple but I am going to make you wait for them because I liked this shot better! If you are ever looking to get photos of bus light trails, a great tip is to just hang out near a transit station! Funny enough, I had never thought of that before 🤣. There were buses going by about every 5-10 minutes so I was able to try out lots of different angles! This was definitely one of my favourites. .
I tried to capture a bit of a different perspective of this familiar scene the other night. I wanted to include a little bit of the Connaught Building and its Gothic beauty as well as some of the commercial spaces on the south side of York Street. The Ottawa sign is always so picturesque so of course I had to get that in there too! I love how the twinkle lights on the trees frame the sign and stay on all year! .