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Why we are different and better

We represent a wide range of companies that specialize in insuring people with different “risks”. If you’re a pilot, diabetic or scuba diver, for instance, we’ve got you covered. As a result, the companies we represent are often able to insure Ottawa residents who could not get term insurance other places.

No one else has our experience in finding your “best buy” from the insurance companies that we represent or in making the entire buying process customer friendly. That’s why we are by far the most experienced independent brokers for Mortgage Protection and Term Life Insurance in Ottawa, Ontario, Canada.


Licensed Life Insurance Broker and CFP since 2007.

Customer Service

Recommendations are always in your best interest period. Our priority is to make sure your family is properly protected and be in the best financial position possible.


We take the time to clearly explain the recommendations so you can make an informed decision.

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We find the products and services that meet or exceed your needs at the lowest cost. There is no conflict of interest or company bias with our recommendations.

Advice you can trust

In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. We offer strong, reliable and affordable ways to protect your family’s financial well-being after you’re gone.

We’re committed to helping Ottawa families prepare for the future. Our trustworthy life insurance specialists can help you achieve financial protection with reliable, secure, and affordable insurance planning and policy structuring that works for you. If you have further questions, don’t hesitate to contact us immediately – we’re here to help.

Ottawa No Medical Life Insurance Quotes – Free online instant Ottawa no medical life insurance quotes from Life, a life insurance broker licenced in Ontario, your online source for the best accurate, competitive and affordable life insurance rates in Ottawa, Ontario and surrounding areas

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Your information submitted is kept confidential. It is never sold or shared with other life insurance agents or third parties.


Our business model is built on providing fast life insurance quotes and utilizing technology to get policies issued & delivered quickly.


By representing over 35 of the top life insurance companies we consistently save our clients over 50% on their insurance premiums.


Licensed Life Insurance Broker and CFP since 2007.

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Residential Windows, Doors and Skylights

Current Specification Effective Date: January 1, 2015

  • The current criteria were finalized in January 2014.
  • New performance levels (PDF, 238.86 KB) are effective as of January 1, 2016 for windows, doors, and skylights in all climate zones.
  • Windows, doors and skylights must meet U-Factor and, where applicable, Solar Heat Gain Coefficient (SHGC) requirements based on climate zone. In addition, doors must meet U-Factor and, where applicable, SHGC requirements based on glazing level (amount of glass).
  • Windows, doors and skylights originally qualified for the ENERGY STAR label in March, 1998.

What should I look for when buying windows, doors skylights?

Every ENERGY STAR window, door and skylight is independently certified and verified to perform at levels that meet or exceed energy efficiency guidelines set by the U.S. EPA. But how do you know which windows work in your climate? The following tips will help you buy with confidence.

Purchasing Tips

Shopping for new windows, doors, and skylights can be a confusing process. ENERGY STAR makes it simple! Follow these five tips to ensure your windows, doors, and skylights deliver savings and comfort you’ll enjoy.

Look for the ENERGY STAR label for your climate zone. All ENERGY STAR certified products must display the ENERGY STAR label. Check the label to make sure the product you are considering is certified to meet the criteria for your area. The ENERGY STAR label appears on the product next to the National Fenestration Rating Council (NFRC) label:

in Highlighted Regions

Official ENERGY STAR label (and NFRC Label) for a window qualifying in the Northern and North-Central climate zones.

in All 50 States

Ask for ENERGY STAR when ordering. When you’re ordering in a showroom, make sure to ask for a product that is certified to meet the ENERGY STAR criteria for your climate zone. You can choose ENERGY STAR certified windows in a variety of framing materials to suit your needs.

  • Get a deal. In addition to the long-term energy savings you’ll enjoy, you may be able to take advantage of financial incentives that lower your initial investment:
    • Many utilities provide financial incentives for purchasing ENERGY STAR certified windows, doors and skylights. Look for local rebates and other promotions in your area .
    • Claim federal tax credits for installing ENERGY STAR certified windows, doors or skylights or making certain other energy efficiency improvements to your home.
    • Keep in mind that the cost of complete window replacement can vary. Be sure to get quotes from several installers. Different dealers may quote difference prices for the same product. When interviewing contractors, ask them to break down the price quote by labor and materials. ENERGY STAR certified windows, doors and skylights may cost more than non-certified products, but the labor involved should be comparable for both.
    • If your house is older than 1978, be sure to look for contractors who are certified to handle lead paint .

  • Mortgage rates in Kansas City, Missouri #mortgage #rates, #kansas #city, #missouri, #mo, #30 #year #fixed #mortgage


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    Picturing your new home and wondering about mortgage rates in Kansas City, MO. Put your dream in motion by exploring our site for indispensable resources to find the best rates available.

    Whether you are purchasing a new home or refinancing, we provide the ability to check local mortgage rates in Kansas City with our easy rates search function. It offers real-time, accurate data on mortgage rates throughout Missouri and the country.

    Rates are subject to fluctuation throughout the day and week. Check us to find accurate and current information on mortgage rates today.

    Mortgage rates in Kansas City, Missouri

    Here are the mortgage rates as of 10 a.m. Sunday in Kansas City, MO. The 30-year fixed mortgage rates vary from 4.18 percent to 4.67 percent.

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    November 11, 2012 at 3:23 pm

    I would like to know what bank or mortgage Co own the house at 4100 sunrisedrive kcmo 64123?

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    Dating In College: 5 Things To Know At The Beginning Of Freshman Year

    Be Wary Of Falling Too Quickly For Someone

    “Because you can feel insecure starting school, the idea of latching onto someone quickly is very appealing,” says Catherine Birndorf, a women’s mental health expert who co-authored The Nine Rooms of Happiness with Lucy Danziger, editor of SELF. “But there’s a sense of false intimacy. You can share your life story in the first 72 hours, and it can feel incredibly intense. There is a wide array of experiences that make up your college life, and if you’re coupled-off, you may limit yourself and miss a lot of campus life.”

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    Compare Car Insurance for 25 Year Olds #cheap #insurance #for # #year #olds


    Car Insurance for 25 Year Olds

    Once you turn 25, you’ll find that the prices you are quoted when it comes to taking out a car insurance policy will have fallen, often dramatically, compared to those you’d have been offered in previous years.

    You could have built up eight years of experience on the road, and could have a potentially large no claims discount under your belt. All of this serves to lower the costs of the premiums you’re offered by insurance providers.

    But there are still steps you can take to reduce costs even further, which we’ll go through in the following sections of this guide.

    Age and the Cost of Car Insurance

    As a general rule, and with good reason, drivers under the age of 25 will pay the most for their car insurance, and those over 40 will pay the least.

    This is because of statistics that show that drivers aged between 17 and 25 are responsible for roughly a third of all fatalities on the road. Both the number and the severity of accidents caused on the road is higher for younger drivers than it is for older drivers, where younger is generally defined as under 25.

    This is why a 25 year old driver will, all other things being equal, be offeredmuch cheaper car insurance than a 19 year old driver.

    Age isn’t the only factor involved though, a 25 year old or even a 45 year old will face higher premiums if they drive a sports car or if they have previous driving convictions for example. And a 24 year old with five years of no claims will benefit from cheaper car insurance than a 25 year old who claimed in the last six months (again, all other things being equal).

    Is car insurance cheaper for women under 25?

    Until fairly recently, female drivers had a much better deal than male drivers when it came to car insurance. This is because of statistics that showed that they were far less likely to be involved in accident. Indeed rather shocking research showed that over 90% of all motoring convictions in the UK were handed out to male drivers.

    However, in 2012, the European Court of Justice passed legislation outlawing the practise of deciding the cost of car insurance based on the gender of the prospective policy holder. This meant that since 2012, insurance costs for women have gone up rather significantly to meet the consistently higher premiums that male drivers had been facing.

    How can I make sure that I get the best deal on car insurance as a driver under 25?

    While your car insurance will be cheaper than it would’ve been a few years ago, as a 25 year old driver you may still find that you’re offered frustratingly high premiums when you search for a policy.

    That being said, below are a few basic steps you can take so that you can be sure that you’re taking advantage of the cheapest and best policies on the market.

    The car you choose to drive is a big factor that the insurance provider will use when calculating your premiums. Every car built to UK specifications fits into one of 50 car insurance groups, with those in the higher groups costing more to insure, and those in the lower groups costing less.

    Car insurance groups are worked out according to various factors like engine size and repair costs, so by driving a smaller hatchback rather than a sports car, for example, you’ll find that the price of your insurance is greatly reduced.

    You can also cut the costs of your cover by taking extra qualifications like Pass Plus. By taking a Pass Plus test in responsible, safe driving, you could find your insurance policy reduced in price by about 30% annually.

    Building up a no claims discount is one of the best ways to benefit from dramatic reductions in the price of your premiums. As a 25 year old you could have been driving for up to eight years without making a claim and if so, you could be experiencing discounts of up to 75% on your policy.

    Compare Car Insurance for 25 Year Olds with Money Expert

    If you want to make sure that you get the best deals on the market, you should always be shopping around online.

    One of the quickest and easiest ways to do this is to use our free and impartial car insurance comparison service. Just fill in the quick form letting us know what kind of cover you’re after, and we’ll pull up a list of the best quotes available given your requirements.

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    TESOL Certificate (Teaching English to Speakers of Other Languages)

    Vancouver Community College’s TESOL Certificate program is an intensive program consisting of a balanced curriculum of both the theoretical and practical aspects of teaching English, as well as a supervised teaching practicum. This program is recognized for professional certification (Level 1) by TESL Canada..

    Program Status.
    Accepting applications

    Program one-pager

    Part- or Full-time

    February, May, October

    Fees and Other Costs

    Contact Us / Request Info

    If you’re ready and know the program you want, apply now.

    After you apply, you can check application status to see if all of the requirements have been met or to update contact information. Please use the temporary login ID and Personal Identification Number (PIN) that you used to complete your original online application.

    This intensive 6.5-week program has been designed to involve the student in a variety of learning environments and instructional delivery methods. Students participate in lectures, demonstrations, group work, micro-teaching sessions and lesson presentations. There is a supervised practicum.

    English requirements for this program indicate the need for demonstrated proficiency in the English language with excellent oral and written communication skills.

    This program is recognized for professional certification (Level 1) by TESL Canada.

    For additional information, please contact:

    English as an Additional Language (EAL) Department
    School of Access
    Vancouver Community College
    1155 East Broadway
    Vancouver, B.C.
    V5T 4V5
    Phone: 604.871.7000, ext. 7258


    VCC welcomes applications from Canadian citizens and permanent residents.

    As Vancouver Community College is a post-secondary institution committed to educating adult learners, applicants should be 18 years of age or older or a graduate of a secondary school.

    Please note that you must submit official transcripts and educational documents to support your application; unfortunately, we cannot accept photocopies or fax versions.

    Program Specific

    Missing prerequisites? VCC offers courses in Adult Upgrading and English as an Additional Language to help you meet your goals.

    • Bachelor degree or equivalent
    • 1st Year University English with a minimum ‘C+’ or equivalent
    • Applicants whose first language is other than English, who are presenting foreign documents, must achieve the following scores on one of the following English language proficiency tests:
      • A minimum score of 88 on the internet based TOEFL with no score lower than 22, or
      • A Band 6.5 or higher on the International English Language Testing System (IELTS – academic stream) with no band score less than 6.0 with a minimum score of 6.5 on the speaking and listening band, or
      • A minimum score of 145/200 on the VCC English Language Assessment Test with minimum scores as follows: Listening: 27/30; Speaking: 27/30; Essay: 17/20; Reading: 50/70. The ELA score must be free of a pronunciation recommendation.

      Recommended Characteristics:

      • Solid academic background with an excellent standard of spoken and written English
      • An awareness of the English language and approaches to teaching
      • An understanding of cross-cultural values and beliefs
      • Experience in working or volunteering with people of other cultures
      • Experience in learning a second language or volunteering in an ESOL (English to Speakers of Other Languages) class
      • Warmth, empathy and a desire to teach and help others learn English
      • Self-disciplined and motivated

      Note: Applicants who present a degree from a recognized post-secondary institution without an English course may be considered for admission by approval from the Department/Program area.

    Cheapest car insurance for an 18-year-old by state #car #insurance #for #teens, #car #insurance #for #an #18 #year #old, #cheapest #car #insurance #for #18 #year #old


    Cheapest car insurance for an 18-year-old

    Even a no-frills car represents a huge expense for the 4 million or so Americans working a minimum-wage job.

    But it represents a bigger challenge in some places than in others. Young drivers in Rhode Island and New Hampshire will work nearly three times as long as their counterparts in Illinois to buy liability insurance that meets their state minimum car insurance requirements. according to a analysis.

    We ranked states by the number of hours needed to buy coverage, comparing their cheapest car insurance for 18-year-olds with their minimum wage.

    This is as cheap as insurance gets, and there are few trade-offs available to save further. For example, by law you can t reduce your limits below the minimum amounts. And you can t raise your deductible. There are no deductibles on liability insurance.

    According to the Bureau of Labor Statistics, the average hourly wage was $24.57 in December 2014, up from $24.17 per hour a year earlier. The average annual outlay for liability car insurance, says the Insurance Information Institute, was $504 as of 2012.

    This means an average worker could buy a year of liability car insurance with about 21 hours of work.

    But consider an 18-year-old working an entry-level job. The average state minimum wage as of July 2015 was just $7.92 an hour. And teenagers pay much more for insurance: The average price of a year of bare-bones coverage was $841, according to rates gathered from national car insurance carriers.

    At those averages, a year of state minimum liability insurance would require 106 hours of work.

    Because both wages and car insurance rates swing dramatically, we looked at affordability by comparing the cost of legal-minimum auto insurance with each state s minimum wage. Young drivers in Rhode Island and New Hampshire had it worst, with 174 hours required to buy the cheapest liability policy we found. A young driver finds much cheaper insurance in Illinois — a year of liability insurance takes just 56 hours of work.

    How much is car insurance for an 18-year-old?

    We compared rates using the state s cheapest ZIP code for a young driver with a clean record, good credit and previous insurance on a parent s policy. We chose the least expensive rate we found. Unless you re 18, male, a resident of the particular addresses we used and proud owner of a 1997 Ford Taurus, your quotes probably won t exactly match ours, which are only a snapshot of available rates.

    They are, however, a good indicator of the financial hurdle confronting teenagers who depend on their own car to commute to school or work.

    What an 18-year-old pays for state-minimum liability

    * Data missing or unavailable at time of publication

    ** States that have no minimum wage or a minimum wage lower than the federal wage are displayed at the federal minimum.

    How young drivers can get more affordable car insurance

    The cost of liability insurance has more to do with the driver than the car. (The insurance company isn t going to fix your car, just the person s you hit.) In your search for affordable auto insurance, these are the factors you have some control over:

    • Your driving record: More than one violation or accident is going to hurt.
    • Your credit: If it s dismal, you re seen as a bigger risk of a claim and thus charged more in many states.
    • Your mileage: The less you drive, the less risk of your hitting someone.
    • Your insurance history: If you ve let your policy lapse, even for a few days, you ll pay about 5 percent more than you would have otherwise, according to
    • Your insurance company: No two insurers offer identical rates, and even on state-minimum policies, premiums can differ by hundreds of dollars a year.
    • Your car: If your car has a significantly higher rate of claims than most (because, say, it s driven mostly by young drivers), your liability rates will reflect that risk.

    Whether you’re a parent or a teen, read our guide to car insurance for young drivers for plenty more information that can help you make the car insurance choices that are best for you.

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    5 Responses to “Cheapest car insurance for an 18-year-old”

    I’m in the Marines and looking to buy a car but not sure what insurance company I should use. I had car before but it was my mom’s old car and they added me on there insurance. But now I’m out of the house and looking to get insurance on my own.

    I am 18, will be 19 in Dec. I am just getting my drive’rs license and buying my first car. I am financing thru the bank so, will I need full coverage?

    This chart of the cheapest car insurance by state is so helpful! Looks like I’m kind of in the middle living in Utah; $848 seems like a pretty average cost per year. I also really appreciate the tips for getting more affordable auto insurance. I don’t really drive that much, so I guess my mileage can save me some money!

    Quite good and valuable information is provided here. Thanks.

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    38 Ways for Parents to Get Involved in the Classroom – Back to School #is #online #school #easy, #oprah #back #to #school #b2s #classroom #parent #parental #involvement #ideas #ways #easy #simple #fast #working #teacher #teachers #education #educator #family #relationships #year #three #for #me #38 #volunteering #pta #association #child #children #kids


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    38 Easy Ways to Get Involved in the Classroom

    Photo: Digital Vision/Thinkstock

    Parental involvement in the classroom has had a proven, positive effect on children’s success. But how do you find time in your already-busy schedule to volunteer? Try these 38 simple ways to make the most of the upcoming school year.

    On your very last day of school, you probably relished the fact that you d never have to step foot in a classroom ever again. Goodbye, homework! So long, teachers! School is out, for good.

    Until you became a parent, that is.

    According to decades of scientific research including a study from the Department of Education that reviews 30 years of research parental involvement in the classroom is a key factor in improving students academic performance. Returning to the classroom and showing up to school translates into your child s overall success.

    With study after study revealing the dramatic impact of parental presence, it s been drilled into the heads of moms and dads across the country that they must make an effort in their children s classrooms. Sure, you know that s what you need to do, but do you know how to do it?

    • 8 involvement ideas for younger and older children
    • 20 involvement ideas from the National Parent-Teacher Association
    • 10 involvement ideas and several online resources to help you stay involved

    Between demanding work schedules, family responsibilities, household upkeep, frequent errands and cooking for what sometimes seems like a small army, it may seem impossible to find time to devote to being in yet another place at another time, all school year long. But even the busiest parents can get involved in the classroom without spending time they don t have or stretching themselves too thin. The secret is knowing how to allocate your limited availability and which small-scale ideas have a big impact.

    The Power of Three Hours

    Volunteering in the classroom for just three hours over the course of the entire school year is enough to make an impact. In fact, this idea is the foundation of The National Parent-Teacher Association s Three for Me program, encouraging and guiding busy parents through different ways to get involved at their children s schools.

    With free online resources, sample forms, promotional fliers and a forum for idea-sharing, Three for Me does a huge part of the time-consuming work for you all you need to focus on is your child. So, find just three hours over the course of nine months to volunteer in your child s classroom, and you ll be helping set him up for success not just now, but in the future as well.

  • Criminal Justice Associates Degree #criminal #justice #associates #degree, #two #year #criminal #justice #degree


    Criminal Justice Associates Degree Options

    Prerequisites for Associates Degree’s

    Criminal Justice Associates Degree Prerequisites:

    • High School Diploma
    • GED or Equivalent

    ** Almost anyone who has completed their high school diploma, GED, or equivalent is qualified for enrollment in an associates program.

    Career Options at the Associates Degree Level

    An associates degree in criminal justice is the most common among law enforcement and police officers. Those with an associates degree can also be found in corrections jobs, security, court clerks, and more. Professionals in law enforcement and related positions have consistently relayed the message that they should have started in a degree program earlier rather than later in their careers in order to ready themselves for development in their respective roles and departments. Visit our criminal justice careers page to learn more.

    If you want to train for a meaningful career that gives you a sense of value and allows you to make a positive difference in your community, criminal justice may be right for you. – Kaplan University

    A Strong Foundation for your Criminal Justice Education

    You can choose to earn your associates degree in many different legal criminal justice fields. Below are some of the most common areas of study and degree programs related to criminal justice. You’ll notice that several degrees focus on criminal justice in general, while other programs are very specific, and focus on a specific career area. To learn more about the differences in these degree types you should speak directly with an admissions advisor at the college or university your considering.

    Often times different schools, or different accrediting bodies for colleges will refer to the same general program by different names or titles. In most cases school offer an AA, which stands for Associate of Arts, while others offer an AS, which stands for Associate of Science. An AS many require more technical or scientific courses, but the two degree types are very similar. Requesting information and talking to several different schools can help you compare and choose the degree that is best for you. Many of these degrees are offered by both an online criminal justice degree and via traditional campus based classes.

    Associates Degrees in Criminal Justice are often referred to by the following names:

    • Associate of Arts in Criminal Justice
    • Associate of Applied Science in CJ
    • AA or AS in Criminal Justice Administration
    • Associate of Applied Business CJ

    Additional Associates Degrees In Related Fields or Specialties :

    The following associates degree programs are poplular among those seeking a career in criminal justice within specific job families and roles. Use the left navigational menu to explore these various specialties and concentrated degree options. Many schools now have developed associates programs to fit your particular career goals:

    • AS or AA – Paralegal
    • AA – Legal Assistant
    • AS – Criminal Investigations
    • AS – Fire Science
    • AAS or AA in Homeland Security
    • AA – Police Studies Law Enforcement
    • AS CJ – Crime Scene Investigation
    • AS CJ – Corrections

    Course Offerings at the Associates Degree Level

    Students working towards their associates degree in criminal justice or a related legal field can expect to take some of the following classes. Class requirements will vary from school to school and program focus. Many schools will also require that students show basic competencies in math and writing as part of their first year in the program. Speak to an college admissions advisor to request a complete list of the course curriculum for that school.

    Sample Courses in Criminal Justice Degree Programs

    • Writing and Communications for CJ Professionals
    • Interpersonal Communication in Criminal Justice
    • Mathematics
    • Communications
    • Introduction to the Criminal Justice System
    • Introduction to Law Enforcement
    • Introduction to Juvenile Justice Procedures
    • Fundamentals of Policing
    • Foundations of the Criminal Justice System
    • Introduction to Security
    • Criminal Investigations
    • Criminal Procedure
    • Comparative Criminal Justice Systems
    • Ethics the American Criminal Justice System
    • Technology in Criminal Justice
    • Introduction to Computers
    • Introduction to Psychology
    • Social Science Political Science