Spa treatment day

Using Your Hot Tub for Hydrotherapy

Hot tubs – having one at home or going to a spa, they are indeed the source of leisure and pleasure for every family member. In addition, they come with the ability to relieve pain, stress, and even different types of illnesses, by being commonly used as the most convenient means for hydrotherapy sessions.

Hydrotherapy?

Using water as a medical treatment is one of the oldest methods of medical therapy, used for centuries. Even people from the Ancient cultures practiced immersing their aching bodies in natural hot springs to ease their pain.  Jane Marsh from FIT Physiotherapy says hydrotherapy has been a therapeutic form of massage and relaxation for centuries and was popular during the Roman Empire.   It has shown that hydrotherapy is used to treat or alleviate illnesses such as arthritis, sore muscles, high blood pressure, insomnia and diabetes. Furthermore, it is known that warm water leads to relaxation and stress relief. Today, it is especially popular with sports medicine, physical therapy practitioners and psychologists, who recommend hydrotherapy to different people with different conditions. Hydro spas, hydro pools and hot tubs provide that necessary help.

Using hot tubs

Hot tubs are probably the most suitable tools for hydrotherapy simply because you can have them at home. They come in different shapes and form but their purpose is clear – having fun and getting healthier. Soaking in warm water will stimulate blood circulation and increase the production of endorphins, so you are free to relax and enjoy your time, while your body is recovering. Combining these factors together will help with boosting your immune system, decreasing inflammation and improving the overall well-being, making your body young again. Doctors recommend sessions of 20 minutes in a hot tub because even that is enough to experience the benefits of hydrotherapy. However, for better performances and specific treatments, it is important to check which model of a hot tub will suit your needs.

Jets of a hot tub can be positioned in different places and it is important to know what body parts you want and need to focus on, so you find an appropriate model. Thankfully, the offer is so vast that finding a right model is not going to be an issue. Moreover, jets provide different kinds of massages – powerful and direct streams that aim on specific muscles, or more gentle swirls that pulsate the water, relaxing the whole body. With the high demand and general usefulness, tubs and jets come in such configurations that can be customized easily and effectively.

Even if we turn to science to ask for more evidence, scientists believe warm water and massages have a positive influence on cognitive performance. They are testing the effects on people with post traumatic disorders, as well as people who suffer from physical pain. All in all, apart from being a widely available product for an ultimate delight, having or regularly using a hot tub will ensure your health is well taken care of.

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Investment Property Mortgages: What Buyers Need To Know

Financial security is a concern for everyone. One of the best ways to secure your financial future is to make wise investments. Today, investment properties are a great option when it comes to investing your money. Becoming a landlord comes with many benefits. Not only will you generate income, the tax breaks that are associated with owning an investment property will also pay off in the long run.

Purchasing an investment property is like taking on a full-time job. This type of investment should be avoided by anyone who isn’t capable of making a long-term commitment. Before you make the decision to purchase an investment property, there are some things that you should know. It is nothing like buying your principal residence.
If you’re already a home owner, you’re familiar with the rules associated with buying a property. However, when you’re purchasing an investment property, the rules change. Since the process of purchasing an investment property in Canada is different, it is a good idea to speak with a mortgage broker to find out exactly what you need. The following information is designed to help make the purchase of your investment property a little easier.

Down Payment and Maximum Loan-to-Value Rates

The initial step in purchasing your investment property will be to make a down payment. In Canada, the required down payment for a primary residence is 5%. The down payment that is required for the purchase of an investment property is contingent upon two things: the number of units in the property and owner occupancy status.

As you can see, not occupying one of the units increases the amount of your down payment. In this case, the number of units in the property isn’t relevant. The maximum loan- to-value rate also decreases with that decision.

Insurance Premiums

The Canadian Mortgage and Housing Corporation’s rules for insuring investment properties are also different than those that apply to a primary residence. A 20% down payment on a primary residence does not require an insurance payment. Insurance premium rates for an investment property vary based on whether or not you will occupy one of the units.
For owner occupied investment properties, a down payment 20% or higher, puts you in position to extend the amortization period for another 5 to 10 years. The amortization period is the also referred to as the ‘life of the loan’. However, each additional 5 years will add another .20% to your premium.

For non-occupied investment properties, there is a mandatory 20% down payment. Your decision to not reside in one of the units will cost you more in insurance. The same rule applies in terms of an amortization period of 30- 35 years. Each additional 5 years will increase your premium by 20%.

Determining Your Loan Amount

One of the few times that owner-occupancy will not matter is when it’s time to determine the amount of your loan. At this point, there are only three things that matter. The most important is how much income will be generated by your investment property.

The first thing that will be taken into consideration will be the rental offset. A percentage of your prospective annual income will be offset against the amount of money invested in the purchase of the property. This may include the amount of your mortgage, taxes and other expenses. Generally, the offset ranges between 50 and 70%.
Next, your lender will consider rental inclusion. Half of your annual income from the property will be added to your personal annual income. Once this is done, the total amount will be used to perform a ‘total debt service’ ratio.


Finally, your lender will perform a ‘debt service coverage’ ratio. Your personal debt will not impact the outcome. The goal is to determine whether or not the income generated from your investment property is sufficient enough to make the mortgage payments.

Purchasing an investment property doesn’t have to be confusing. Basically, if you’re able to make a minimum down payment of 20% towards the purchase of your investment property and meet the requirements of your lender; you are likely to secure the best available mortgage and insurance rates. In addition, the choice to occupy one of the units in your investment property may be just the ticket to optimizing on your investment.

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How To Build Relationships on Social Media With Your Audience

Do you know how to do social?  Most businesses think they know what they’re doing when it comes to social media, but many fall short in making it a viable part of their marketing strategy.

To be good at social media, you need to be able to build relationships with your audience.  It takes more time than money and requires a dedication that many businesses find difficult to sustain.

If you want to give social media a go, think of it like building a relationship, you have to spend the proper time “courting” your potential customer before you go in and ask them to marry you.  Check out this quit infographic by Hubspot on how to properly build a relationship on social media.

social-engagement-infographic