September 2016

Sep 30 2016
The Pareto principle (sometimes called the 80/20 rule) is a theory that states 80% of your results will come from 20% of your efforts. This theory holds true for most things, especially your finances. I joke ... Read More more...

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Sep 30 2016
There’s no time like the present to teach your children about money. One way to do that is by opening a youth savings account for them. When choosing an account, there’s more to consider than just ... Read More more...

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Sep 29 2016

If your baby or toddler would rather wear their spaghetti as a toupee, know that you are not alone.  Family dinners can be a production to say the least, especially when you throw picky eating into the mix. Here are a few tips to avoid a dinnertime disaster. Creative presentation Kids eat with their eyes […]

The post 5 tips to help you win over your picky eater appeared first on Toronto Mom Now.

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Sep 29 2016
Using a TFSA is a great way to avoid paying taxes. While you can put many different types of investments—like stocks and mutual funds—in a TFSA, it can also be used as a place to stash ... Read More more...

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Sep 29 2016
While a bevy of new condos and loft-style residences are popping up across Toronto’s east end in revitalized neighbourhoods like Regent Park and Riverdale, many condo seekers still have their sights firmly set on the downtown ... Read More more...

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Sep 28 2016
When you buy insurance for your home or car, the contract typically lasts one year. You’ll likely be offered insurance for another year but the premiums and coverage can change—even if you don’t make a claim. ... Read More more...

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Sep 27 2016

I consider myself to be a mixed media artist, not strictly an encaustic painter. Though I use molten wax as my primary medium, I have more than one medium I use to create my art...oil paints, oil pastels, image transfers, collage, alcohol inks...but the one discovery that excited me the most was seeing these beautiful colours that were so vibrant, laid out perfectly in little pans like a super charged eye shadow ! I had to look at them closely when I first saw saw PanPastels in the art store. Hmmm, pastel reformatted to be used like paint!

Like a kid in a candy store, the art supply junkie in me wanted to gobble them all up.....I couldn't wait to try these with the encaustic.  Much to my surprise, the pastels were a PERFECT fit for my encaustic work. I was hooked!  The pastel paint glides on and is so blendable and with the tools you can buy specifically for PanPastels you can paint in fine details and lines. I am able to create entire backgrounds in these vibrant colours with ease. I still use encaustic paint in layers, but to a much lesser degree and my students LOVE PanPastels with encaustic. 

This snowy owl painting was painted almost entirely with PanPastels on top of the encaustic. The owl itself was then painted with oil paints and PanPastels.

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For the making of Mr. Snowy, you can click here 

This video demonstrates how I used PanPastels to draw and then paint a bird...I created an encaustic background withpan pastels with stencils. With the use of the PanPastel fine line tool, I did the underpainting of the bird. This was one of my first experiments with pan pastel.

 

What I love is the ability to paint entire backgrounds with the PanPastels. A little  goes a long way.  It can be used as a way to touch up your paintings with a little color, or it can be used as a primary source of color for your entire painting...you can apply wax over it and the pigments will glide and mix in with the wax or you can gently drop the wax on the surface to leave the pan pastel unaltered. So many wonderful ways to work with this beautiful medium! Thank you PanPastel!!

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Sep 27 2016
Hate to break the news, but it’s officially Sweata Weatha (according to the girls of Saturday Night Live). 😉 Check out some of my favorite fall looks from LE CHÂTEAU Now, whether you’re a working girl or stay-at-home mom, here are some fall fashion trends that you might like to wear. I’ve gotta be honest, I’m digging them! 1. Check Check for fall? CHECK! I think this look is flattering on everyone. 2. Green I’m... Lire la suite » more...

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Sep 27 2016

Fall is here and you may be finding it hard to pull your children away from the lure of Paw Patrol (spoiler alert: the pups save the day). In fact, it may be a downright battle. But you know the whole family is much happier when part of the day is spent outside.  What to […]

The post Off the screen and out the door: getting kids outside! appeared first on Toronto Mom Now.

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Sep 27 2016
Heirlooms stolen? Basement flooded? Roof knocked off in a windstorm? No worries, you think, you’re insured. And then the letter comes: “We regret to inform you…” How did that happen? Here are six possible reasons your ... Read More more...

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Sep 26 2016
Rajasthan, the “land of the Maharaja,” is an exotic desert state in western India. It’s capital, Jaipur, is a historic […] more...

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Sep 26 2016
The country’s banking regulator has released new rules for mortgage insurers to ensure that capital requirements are up to date with market conditions and more accurately reflect underlying risks. The Office of the Superintendent of Financial ... Read More more...

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Sep 26 2016
In the past, one of the best ways to achieve financial success was by paying down your mortgage as quickly as possible. Mortgage rates used to be much higher (there was a time when they were ... Read More more...

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Sep 26 2016
In Canada’s housing hotspots—the Vancouver and Toronto real estate markets, for example—bidding wars are commonplace. Limited supply and high demand, especially for detached houses and townhomes, mean sellers can benefit from a number of very competitive ... Read More more...

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Sep 25 2016
The BMO Air Miles World Elite MasterCard is an excellent travel credit card because it gives you the best of both worlds. Not only will you collect miles for one of the most popular rewards programs, ... Read More more...

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Sep 24 2016
If you’re a first-time homebuyer, getting your first mortgage can be a rather stressful process. Whether it’s learning about mortgage rates, amortization periods or prepayments, you’ll need to gather quite a bit of information before coming ... Read More more...

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Sep 23 2016
The day was September 22nd, 2003. I was selfish. A workaholic. 9 months pregnant. And didn't know just how my life would change the next day, at 5:40am on a Tuesday, September 23rd. When I heard the first cry, it literally took my breath away. I was instantly hooked. I hovered over his crib in the hospital. I watched him breathe. I watched his little round face for hours. It was a love only a mother could comprehend. So to my first born child, my son, who turns 13 today, I have prepared some pictures for you to enjoy. Watching you grow over the past 13 years, has literally, just as the moment you came into the world, taken my breath away. Enjoy your trip down memory lane... more...

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Sep 23 2016
Over the past few weeks, we’ve been reviewing high-interest savings accounts. Some are great because they pay a high rate of interest and have some good features. There’s no perfect savings account but there are some ... Read More more...

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Sep 23 2016
Post-secondary education is expensive. Gone are the days when a summer job could cover tuition and books. Today’s students and graduates are forced to rely on loans and credit cards while working during the school year. ... Read More more...

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Sep 22 2016

Let’s face it—these days we are rarely without our smartphones. We play Words with Friends during late night breastfeeding sessions, scroll through Instagram feeds during naptime, and reply to emails from playground benches. Here are three essential apps for mamas on the go Tiny Beans Weary about over sharing photos of your adorable child on […]

The post Three must-have smartphone apps for Toronto moms appeared first on Toronto Mom Now.

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Sep 22 2016
Quarter after quarter, Canada has seen home prices rise in many of its real estate markets, which raises questions about how homebuyers are adapting to this breakneck pace. Have they adjusted their searches to new home ... Read More more...

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Sep 22 2016
Scotiabank offers numerous travel rewards credit cards with a lot of flexibility. And its Scotia Rewards program allows you to earn points from your everyday purchases. You can redeem your points for travel, gift cards, or ... Read More more...

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Sep 21 2016
Life insurance is a sign of lasting love because the death benefit is paid after you’re gone. But if you get divorced, you may want to make a few changes. Here’s what to do with your ... Read More more...

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Sep 20 2016

Can you feel it? The shift in the seasons. The kids are back at school, the days are getting a little bit shorter and the leaves are thinking about changing colours. Right now is the perfect time to pull out your calendar and make some plans for the fall. There are plenty of fun family […]

The post Check out these kid-friendly Toronto fall activities! appeared first on Toronto Mom Now.

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Sep 20 2016
You know the drill: New house, new commute, new furniture…new home insurance. But then company A quotes $1,000, company B quotes $2,000, and company C needs way more information before it can offer a quote. So ... Read More more...

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Sep 19 2016
Credit cards, much like any financial product, seem to create anxiety for many. With so many rumours surrounding credit cards, we decided to reach out to our favourite influencers across travel, lifestyle, and personal finance for help ... Read More more...

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Sep 19 2016
There’s a lot of talk in the business press about the possibility that the Federal Reserve (the American central bank) will raise rates in the coming months. If it does raise rates, how will this affect ... Read More more...

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Sep 18 2016
MasterCard is the second most popular credit card in Canada. There are three types of MasterCard credit cards to choose from: World Elite, World, and standard cards. In our opinion, these are the best credit card ... Read More more...

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Sep 17 2016
In Canada, most homeowners choose a five-year term for their mortgage. Even if you have a 25-year amortization, you still need to renew your mortgage when the term is up. You have the option of renewing ... Read More more...

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Sep 16 2016
When you save money in a high-interest savings account, you probably expect the interest rate will be high. Unfortunately, if that account is with a financial institution like RBC Royal Bank, the rate won’t be as ... Read More more...

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Sep 15 2016
Walmart Canada will stop accepting Visa credit cards at its Manitoba stores starting next month. As of Oct. 24, shoppers won’t be allowed to use their Visa at 16 stores in the province. In June, the ... Read More more...

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Sep 15 2016

Toronto kids went back to school last week. Most families, however, are still struggling to get back into the routine of work and school. After months of long, lazy days, we’re all rushing to get out the door in the morning, driving around to appointments and activities, and trying to get back in the groove […]

The post Tips for making your busy back to school routine easier appeared first on Toronto Mom Now.

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Sep 15 2016
Work-life balance is something many of us strive for, but it’s often hard to know if we’ve made it there. Are we balanced? Can we juggle career and our responsibilities at home, giving them both the love and attention they require? Yesterday on Global TV, I shared some awesome apps that can help us bring calm and balance into our lives. You might wonder how tech and balance can co-exist, but they most certainly can. HAPPINESS TAKES WORK, LADIES. IT TAKES WORK TO THRIVE. more...

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Sep 15 2016
Signing up for Cineplex’s Scene rewards program is a must for any movie goer. The program is free to join, has great returns, and provides many opportunities for members to earn points. Here’s how you can earn points, ... Read More more...

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Sep 15 2016
The BMO World Elite MasterCard is one of the best travel credit cards on the market. You’ll earn two points for every $1 you spend, which is a great rate. The card also offers great travel ... Read More more...

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Sep 14 2016
Leanna Renee Hieber's gaslamp fantasy series continues and the action ramps up in Eterna and Omega.In New York City, fearing the dangers of the Eterna Compound--supposedly the key to immortality--Clara Templeton buries information vital to its cre... more...

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Sep 14 2016
At first glance, life insurance and RRSPs seem very different. One provides a tax-free death benefit while the other provides taxable retirement income. Let’s compare and contrast. We’ll use cash value permanent life insurance as an ... Read More more...

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Sep 13 2016
If you have a high-interest savings account with one of the big banks, you probably don’t earn a lot of interest. But you can get a better rate if you open an account at a smaller ... Read More more...

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Sep 13 2016
Whether you run a home daycare, have a carpentry workshop in your basement, or have turned the spare bedroom into your accounting office, your standard home insurance isn’t enough. You may not need the elaborate commercial ... Read More more...

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Sep 12 2016
Yesterday, we celebrated the 7th anniversary of a blog that was born out of feeling stuck, on the fence, alone, confused, and wanting to create a space for women to get inspired, get off the fence, grow, succeed and thrive. You have made that happen. I am grateful for this community who has stood by me in my darkest hours, my greatest triumphs, and given me a safe place to be authentic myself. You have also helped each other, and inspired each other into action. Never underestimate the power of a few simple words on a page. more...

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Sep 12 2016
Saving for a down payment is tough. To enter the housing market, you need to save a minimum of 5% on the first $500,000 of the home price and 10% of the amount above that price. ... Read More more...

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Sep 11 2016
There are a number of benefits to carrying a travel rewards credit card. First and foremost, it’s an excellent way to save on your travel purchases. You’ll earn points based on the amount you spend when ... Read More more...

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Sep 10 2016
Using a mortgage broker is a great way to make the application process easy and get the best mortgage rate at the same time. But many Canadians don’t understand how mortgage brokers work or what the ... Read More more...

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Sep 09 2016
Moving in together is a significant step in your relationship. It is definitely an exciting time for you both. You will learn a lot more about each other, some good and some bad. Here are things to keep in mind … Continue reading more...

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Sep 09 2016
By Karen Moline (Sh*tty Mom) Just as every mom has the moment she first laid eyes on her child indelibly tattooed on her cortex—you know, the part of your brain that, soon thereafter, spurts out Ohmigod it must be the plague the first time your baby gets a rash, or Ohmigod I can’t believe my precious little sweetheart just belted that kid in the kisser before you’ve even had a chance to... Lire la suite » more...

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