Category Archives: Mr.Hanem

Chilling out in Summer

Summer Time

Summer, a wonderful time of the year, to go to the beach or swimming pool, it is a time when exercising all year pays off, when people are not ashamed period. Everyone joins in, young and old enjoy their summer till the end. The days are long and nothing beats staying outside till late in the day and you still have the sun up, it is truly a wonderful feeling.

Yet, there are those that are stuck at work, or have to take care of something, an errand maybe or some early morning task or even worse mid day. What can they do to stay cool during that time.

Chilling Out

Staying cool in Summer is not an easy task, with all the heat and sun going on around you. Now I know this might sound obvious, but stay out from under the Sun. Stay in the shade people, I cannot stress this enough. If you can’t find a nice shade to stand under or walk under; wear a slightly wet hat. Now is not the time to worry too much about fashion or style, it’s alright. If you want, you can even walk with an umbrella.

Always carry with you a nice cool icy bottle of water, nothing beats this during a nice hot day. If you are outside and engaged in a lot of physical activity, all I can offer in advice is stop. You have three fourth of the year to occupy yourself in strenuous activity, do you have to do it now?

When it becomes extremely hot, try dipping your extremities (Feet or hand) in a bucket of icey water. Your hands and feet act like heat sinks for your body, cooling those down will cool you down.

Try to make sure that that you have loose fitting light colored cotton clothes, the idea behind that is light colors reflect the sun light while darker colors absorb it. I say hogwash, to heck with physics, either or, its too dang hot. The only time you need a chore done during summer, is If you have a garden that needs watering, I highly recommend doing that, this is a good excuse to actually wet yourself as a grown up outside.

If you are the sweaty type, don’t worry too much about it. This is actually good for you in the heat, you can always carry a bottle of water and splash yourself with it every once in while, this gives you a good excuse for that wet look. Don’t wear sleeveless shirts though, nothing looks more gross than sweaty armpits, wet or not.

If you have access to a supermarket, walk slowly around the fridge sections, you don’t have to actually buy anything. Just enjoy the air conditioning and cool breeze. Malls and shops work as well, enjoy your time in there for as long as possible.

The hottest time during the day is from 12 pm to around 3 pm. This is when the sun is closest and hence the heat, if you are outside at this time, then you are an idiot. Go back indoors and wait it out, better if you can sleep it off in a nice shady spot.

Stay cool people and enjoy your summer.

Banks, Taxes and Credit score in Canada

Sat today with a Bank consultant, who explained to me the in’s and out’s of banking, taxes and all the financial advice you can think of, first things first, build a credit history, get a credit card and pay it off every month on time.

Second thing is get a job, easier said than done, first off in Montreal you need french, most employers want you to be able to speak and deal with different people, which most of the time are people who speak french, but it is possible, if you don’t speak french, the province of Quebec can give you free french lessons, just apply and everything will be good. Once you have a job and a steady income, you rating will increase.

Thirdly, pay off your bills using the credit card or bank directly, this establishes a good point of information collection, the bank is your best bet for establishing the credit history, and always pay off your credit card bills when they reach 30% of the limit.

Fourth, don’t ever over spend, no matter the temptation, be smart and thrifty. My guess is if you have the option of credit cards, don’t use too many over your limit. You will spend more and more until you start over spending, and this is a big no no.

Now, you have a bank account and a credit card, open a Tax free Saving account (TFSA), the government of Canada established the initiative of savings, so through your Bank you can open a TFSA  where every year you can add to it $5,000 starting retroactively from 2008, so in 2011 you can save $15,000 tax free. The idea is that any income from a normal savings account is counted towards your taxable income.

Oh, did I mention that your taxable income can go up to 48% depending on your income if you make over $100 grand a year.

My best recommendation is; know your options, talk to your bank first, or tax lawyer.

New Year 2015 Celeberation from around the world

After a turbulent year marred by terror woes, Ebola outbreaks and a horrific series of airline disasters, many could be forgiven for saying good riddance to 2014 and gratefully ringing in a new year.

Across the globe, revelers looking for a respite from the gloom will converge on the beaches of Brazil, the shores of Sydney harbor and the potentially snowy streets of Las Vegas (yes, really) to welcome 2015.

So here is a highlights video of the best fireworks displays – from all over the world – welcoming in the new year, 2015.

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Valentine’s

Last February the 14th was a special day. A day of loving and of feeling loved. A day on which to care and to be tender, a day full of young promise. A day on which to… buy! Buy, buy, buy! Bouquets of red roses; meter high greeting cards; enormous chocolate hearts; ‘I-love-you’ helium packed pink heart-shaped balloons; great big cuddly ribbon-bowed teddy bears. Yes, it’s Valentine’s again and this year it was Valentine’s with a consumer vengeance! I mean the streets were teeming with roaming young couples: the young lady proudly clutching her rose/balloon/teddy bear, while beside her, her young squire sauntered along looking extra smug – his love-offering plainly a success…
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The Bald and the Beautiful

It creeps up on you ever so quietly. The actual process began many years earlier but realization hits you as if it were something that just fell out of the sky. You’re standing in front of the bathroom mirror humming away, having just finished shaving, innocently practicing your Gillette facial poses as you check for that little patch you inevitably missed… and then it happens! Staring you in the mirror is a thin strip of skin crawling subtly across your forehead. Skin, let me add, where there should be hair. You look closer and the first image of the true shape of your head – hidden for years by your once beloved locks – reveals itself beneath the fuzz of your remaining hairs.

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I Need a Hero?

After many misadventures in the realm of the heart, I have decided to stop and ponder some of the many questions that life throws at me. For the purpose of this article I have decided to concentrate on what I and my fellow man should strive be like in the present day and age. Now I have to admit that I don’t really remember the seventies because I was a bit too young to appreciate them properly but, nevertheless, I remember the eighties vividly, and I’m sure we all know what was happening in the nineties.

 I think that the problem for most men today is how those two decades differed so much in what they expected from a man.

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Breaking Up Is Hard To Do – Part 2

After countless comments about the last article (well actually there were only about a dozen or so), I’ve decided to do a follow up, explaining a few things I said before, and adding from my vast knowledge of failed relationships. The major criticism of my last article seems to be that I’ve thrown the theory of one true love out the window with my summation of “…there are other t-shirts to wear.”

Before I explain this comment, let me give a little more background about my last relationship. Simply put, I was (and still am) in love with the most amazing woman on earth. So in love in fact that I asked her to marry me. As I’m sure you can all imagine this was a very big step for me- because I’m a man, and men in general try to postpone asking THE question for as long as possible. The reason for this is that we men all feel that the ball-&-chain will stop us from living the “exciting” life; you know, that life that sort of resembles that of James Bond.

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Breaking Up Is Hard To Do – Part 1

It’s strange how one action can hurt in such a variety of ways, whatever the circumstances are. I’ve been in relationships that have fizzled out and others that ended in a big bang. I’ve been the person to end it, and I’ve been the person who’s been dumped. It seems that no matter the manner in which it happens, breaking up is always hard to do.

You first encounter the pain of breaking up when you’re very young, although you may not realize it. I don’t mean that in the Freudian sense, where leaving your mother’s womb will leave with you a feeling of betrayal and hurt that you’ll carry with you for the rest of your life.

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“…a female choice.”

Men choose their girlfriends and their wives. Ok so the ladies have to agree as well, but at the root of any relationship lies a man’s initial choice. Right…? Wrong. Here’s why…

Phylloscopus Trochilus is a very small bird which stands only a few centimetres high and is commonly known as the Willow Warbler. This lucky creature spends a leisurely life enjoying cool summers in Northern Europe and warm winters in Africa. Willow Warblers begin to arrive back in Europe for the Spring breeding season, having passed a nice long winter vacation in sunny Senegal or some such exotic place.

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