Explore the great outdoors this winter

(NC)-As temperatures drop, many Canadians are tempted to enter a sort of hibernation, abandoning the outdoor activities they love in favour of nights spent in the warmth of home. While the days may be shorter, you can still take advantage of the sunlight and enjoy the many parks, trails and conservation areas that are found across Canada.

"The Canadian landscape is breath-taking all year round, and Canadians should get outside and enjoy the beautiful natural environment no matter what the season," says Mary Desjardins, the executive director of TD Friends of the Environment Foundation (TD FEF). "However, it is important to be mindful of the natural environment when enjoying the great outdoors, especially if we want to protect it for generations to come."

TD FEF recommends these tips to Canadians looking to explore the great outdoors this winter:

• Maintain a zero footprint while outdoors to help keep the environment pristine. Take all garbage with you, and don't disturb the natural environment any more than is necessary.

• Watch your step, and be sure to stay on marked trails. Many nature areas maintain marked trails - complete with guide signs and posts. Staying on marked trails will keep you from getting lost, and ensure you're not venturing onto marshes, protected habitats and other dangers that may be hidden beneath the snow fall.

• Stay hydrated. Be sure to drink plenty of water, especially if you're jogging outdoors during the winter. While you may not sweat as much as you do in the summer, it is important to keep hydrated when you plan to be outdoors for long periods of time.

• Bring a map, guidebook or mobile phone with you. If you are exploring an area for the first time, if the weather worsens, or you become disoriented you can find your way to safety.

TD FEF supports numerous trails and natural areas, helping to ensure that Canadians can enjoy the natural beauty of the environment year-round. To find a nature reserve or hiking trail in your area, or to find out more about TD FEF, visit www.fef.td.com

www.newscanada.com

Three green trends for home remodeling

For some homeowners, remodeling projects are regular occurrences to keep their homes looking fresh. Sometimes, that means smaller changes like a new coat of paint or changing a light fixture. Other times, more substantial changes are needed. Determining those changes can be a challenge, but looking at the potential return on investment is a great way to prioritize.


Bathroom remodeling offers a 68.7 percent return on investment, according to a National Association of Realtors survey. One way to add value to a bathroom remodel is to pick bathroom fixtures that are more efficient than what you currently have installed. People are going green in many areas of life, whether with more energy-efficient light bulbs, hybrid cars or by recycling more regularly. Bathroom fixtures are no different.


Here are three reasons why you should consider going green with your bathroom modeling project:


* Products may be outdated. Toilets made before 1994 use anywhere from 3.5 gallons to 8 gallons per flush (gpf), while new EPA WaterSense labeled high-efficiency toilets can work beautifully on a modest 1.28 gpf. Not sure of your toilet's vintage? Look at the underside of the tank lid - the date of manufacture is often stamped into the porcelain. In the shower, the typical showerhead installed in California homes built after 1994 uses as much as 2.5 gallons per minute. At that rate, your eight-minute shower consumes a whopping 20 gallons of water.


* Savings to be had. Compared to 3.5 gpf toilets, TOTO's Aquia One-Piece Dual Flush High-Efficiency Toilet has a flushing system that enables homeowners to select the level of water used each time the toilet is flushed - 1.6 gallons for bulk waste or .9 for liquid. The approach provides exceptional water savings paired with outstanding performance. A family of four can save more than $90 annually on their water bill, and $2,000 over the lifetime of the toilet.


If you replace a typical 2.5 gpm showerhead with a TOTO high-efficiency Trilogy Showerhead, you will experience the same luxurious shower, yet consume a responsible 14 gallons, saving 20 percent of the water used by older models.


Even something like a faucet can contribute to water savings. TOTO's Silas Widespread Lavatory Faucet is a WaterSense labeled lavatory faucet that consumes a responsible 1.5 gallons per minute without sacrificing an ounce of performance. Its design has a classic contemporary elegance with a graceful, curved spout.  


* Be a trendy homeowner. A whopping 68 percent of builders surveyed by the National Association of Home Builders say that energy-saving technologies and features including low-E windows, energy-efficient appliances, and LED lighting will be common along with other green features like engineered wood products, and water-saving plumbing fixtures such as dual-flush toilets and low-flow faucets by 2015. Start now and you'll be ahead of the curve.

How much would it really cost to replace your home?

(NC) Ask any Canadian homeowner to name their biggest investment - their real pride and joy - and most likely they'll say it's their home. It's their sanctuary with the pristine lawn, beautiful garden, finished basement, and renovated kitchen. When such a paradise exists, why would anyone want to risk losing it? But what if disaster struck and your place was severely damaged by fire or some other catastrophe. Are you certain that your insurance policy would cover the rebuilding of your house and the replacement of all the contents? Unfortunately, this answer often comes too late that the homeowner isn't adequately covered. The property insurance experts from Desjardins Insurance have some answers and suggestions to help you.

• First, be prepared. The first three days after an emergency are the most critical. So consider creating a 72-hour emergency kit. Typically it will include 3 days' worth of water for each person in your family, imperishable food stuffs, candles, flashlight and batteries, and a first-aid kit. Next, take an inventory of your belongings. Be thorough because it's easy to underestimate the total value of your possessions. Include furniture, jewellery, electronics such as computer equipment, game systems and television, along with clothes, shoes, boots, pots, pans, other personal and household items. Take particular note of expensive items such as antique furniture or other valuables.


• Read your policy carefully. It's important to remember that your home insurance will not cover every type of major loss. The typical home insurance policy will cover a fire loss, as well as damage caused by lightning, windstorms, hailstorms and even tornadoes. Standard homeowners' policies in Canada exclude flood damage. However, policies generally cover other kinds of water damage, for example from a sewer backup or a burst pipe in your house. Desjardins Insurance is one of the few companies that also cover damage caused by water seepage through basement walls or floors.

Your policy may be worth more than your home. Many people believe that if their home is burnt to the ground, they would automatically receive full market value for their house. This isn't true. The value of a home insurance policy is based on the cost to rebuild the house, not to sell it on the market. The actual replacement cost could end up being either greater or less than the market value. Replacement costs will include the material (lumber, roofing shingles, siding material, carpet, drywall, etc.), and the labor and architectural services. There are also additional costs associated with the demolition and clean-up of the site before construction, which can be expensive in a crowded city neighbourhood. The location of your home could be a factor too. For example if you're located in a remote or rural area, travelling expenses and supply transportation need to be taken into consideration.

For more information about your insurance policy and the replacement value of your home, speak to your insurance provider. Or for immediate answers, call or visit Desjardins Insurance at www.desjardinsgeneralinsurance.com.