Author: DM

Toronto Canada Vacation Tips

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toronto-airport
Figure 1. There are two Toronto airports. This is Airport Code YYZ.

I recently(September 2016) took a vacation to Toronto Canada. I wanted to briefly share a few helpful tips with you.  I will also make a few suggestions. Monetary exchange rate could always change, but currently $1 U.S. Dollar is equal to about $1.33 Canadian dollars or another way to look at it is that $1 Canadian dollar is about $0.75 or seventy five cents in the U.S.  This exchange rate can fluctuate; nevertheless, it may be a great opportunity to do a little high dollar shopping. Personally I didn’t capitalize on the shopping aspect, but it did come in handy with taxi cab rides. For example, let’s say the taxi drivers says your fare is $25. The taxi driver is only talking about Canadian dollars; so, if you pay with a credit card, when you see the charge on your  credit card statement, it will be less than $25.  So, my recommendation is to get Canadian dollars when you arrive in Canada or use your  credit card or debit card to pay for items. Otherwise you may overpay for an item if you use U.S. dollars. Let’s use the taxi cab ride as an example. If the taxi driver says your fare is $25, a person from the U.S. may give him or her $25 U.S. dollars. If you were to give the taxi driver $25, you would have just given the taxi driver a hefty tip and on top of that,  you may give him or her an additional tip because you’re not familiar with the exchange rate.

The second tip is to contact your cell phone carrier to find out if there is an option you need to “temporarily” add to your cell phone plan to allow your cell phone to work(for making phone calls and texing) in Canada.  Any time I mention work as it relates to cell phones in this article I’m referrig to texing & phone calls.   I will not name any cell phone carriers in this post; nevertheless, don’t assume your cell phone will automatically work in Canada. I’ll tell you a few scenarios.  I went to Canada with a bunch of my buddies.  One cell phone service automatically worked in Canada. I will not name the carrier.  Another cell phone carrier’s cell phone only worked if the person had Wifi.  Then a third cell phone carrier’s cell phone did not work at all.  The third cell phone carrier’s cell phone did allow people to send emails if he or she had a wifi connection. The most important take away from this second tip is to CONTACT your CELL PHONE provider before you go to Canada otherwise you will be without a cell phone and when you’re in a foreign country without a cell phone you will be immobile unless you have a friend that does have a functioning cell phone. Not having a working cell phone will take away from your vacation.  The people who did not have functioning cell phones in Canada were very dependent on those that did for things like calling taxis and uber, ect.

The third tip is that if  you have a large group of friends going you might want to consider using airbnb.  It is probably more economical with large groups and it can save you money. We used airbnb

toronto-cananda-airbnb
Figure 2. Airbnb house during our stay.

during our stay in Canada.  For our vacation it was the perfect decision. I can’t stress prefect enough. We split uber or taxi rides to the airport, grocery store,  and going downtown; so, the cost was negligible.  Using airbnb worked for the purpose of our trip. With the number of people we had, it was the most economical option.  If you’re vacationing alone, then a hotel will probably be the best option because of the monetary exchange rate I mentioned above plus you may or may not have to pay for taxis and uber to go to different downtown locations. If you stay in a hotel, you may be less dependent on your cell phone also.   Please check back to this blog, I’ll use a future post to post a few tips for nightlife, sight seeing, games, interesting garbage cans, & a nice restaurants to try. Feel free to leave a comment and share this post on your social media sites.


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Real Football

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Changing Bike Seat to Help End Numbness

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bike_seat_5
White Seat Figure 1.
bike_seat_3
Biggest Cut Out, Second Seat Figure 2.
bike_seat_1
Figure 3.
bike_seat_2
Figure 4.

I am an avid road bike rider. I’ve been riding for years. I normally ride between twenty four miles to thirty two miles about two or three times a week.  I wanted to address an issue that may be affecting many bike riders in general. The issue causes numbness in the groin area. The seat you see below in Figure 1 is the original stock seat that was included with my road bike.

bike_seat_5
White Seat Figure 1.

This is the original stock seat that I bought with my TREK bike.  It is very comfortable, and the comfort of the seat allowed me to experience bike rides in excess for fifty miles. With that being said there are many discomforts a bike rider can experience if his or her road bike is not fitted for him or her correctly which brings me to the topic of this article. The issue I was experiencing for about five years when I went for my road bike rides is numbness to my groin area during the ride. It seems to be caused because of decrease pudendal artery blood flow. The shape of the white seat you see above in Figure 1 seemed to cause me to sit on this artery. So, it decreased penile blood flow. Essentially the saddle shape affects penile blood flow. The narrow saddle is associated with more of a reduction in penile blood flow. I thought there was no remedy for this. After doing some investigation,   I found that there might be a remedy. It may have to do with the seat design itself. I wanted to share my findings with you.  I went to the bike shop and purchased the following seat in Figure 2 as a solution to the issue.

bike_seat_3
Biggest Cut Out, Second Seat Figure 2.

As you may notice, compared to the white seat, this particular seat has a nice size cut out in the saddle area.  It seems that the theory behind this is that the rider will no longer sit on the pudendal artery due to the cut out in the saddle, and hence will not decreased the blood flow to the groin area. The other observation to notice with this seat is that this seat really doesn’t have a nose on it either. I’m happy to report that with this seat I did not experience any numbness. I think it’s because of two reason. One reason is because of the cut out in the saddle, and the other reason is because of the absence of a long nose on the saddle.  There was a different issue with this seat; so, I took it back to the bike shop. I wasn’t aware at the time I purchased the seat, but the person helping me at the bike shop sold me this seat that had a bone placement of 168 which is too big for my body.  My body requires a bone placement of 138 to 143. Make sure you have your bone placement measured.  So, although this new seat solved the numbness issue, it caused other issue because it had a size of 168. If I had gotten the seat size of 138 or 140, there would probably have been no reason to return the seat to the bike shop.

After returning the 168 wide seat in Figure 2 I bought the following seat in Figure 3 & Figure 4.

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Figure 3.
bike_seat_2
Figure 4.

This seat is narrow like the white seat in Figure 1 that I mentioned above, but it has the cut out similar, but smaller than the seat that was sized at 168 in Figure 2. The new seat has a size of 138. It fits my body perfectly because it is the same size as the white seat in Figure 1 above.  I went for a 32 mile bike ride using the latest seat in Figure 3. There was definitely less numbness if any because of the cut out in the saddle.  So, my plan is to go back to the bike shop to get the second seat in Figure 2, and  buy it in size 138 or 143. I think it may be the perfect solution.

The numbness issue is very very seriously! It doesn’t matter if your object is to enjoy road biking or to use road biking as a means to get healthy. You don’t want to damage your pudendal artery; So, my recommendation is to spend the money necessary to remedy the numbness issue. It is important.  It’s not worth possibly permanently damaging your pudendal artery. It could have side effects that you may have to see a doctor for. Feel free to leave a comment, post on your social media page, and subscribe to this website.

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Las Vegas Strip Kid Friendly

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The past 38 trips to the Las Vegas strip were centered around activities that required a person to be twenty one years of age or older. For some of the activities a person could probably participate if he or she was at least eighteen.

However,  on a recent vacation to the Las Vegas strip some really enjoyable kid friendly activities were discovered. The one that is being highlighted here is the Shark Reef Aquarium at the Mandalay Bay.  Both kids and adults are guaranteed to loved the aquarium.  The kids will have an opportunity to see some of the animals that they’ve learned about on the Octonauts.  It is general admission, and the prices are very inexpensive. There are always packages, groupon deals, or other discounts in Las Vegas to reduce cost even more, but even without discounts it’s affordable. It’s definitely something to put on the to-do list. Aquarium visitors don’t have to have a room at the Mandalay Bay to visit. With that being said if you decide to take a taxi, try to have cash for the fair.  The taxis charge an extra four dollar to pay with a credit or  debit card.  The four dollar charge was discovered the hard way.

Other kid friendly activities like magic shows to name one were visited that the kids enjoyed too, but the Shark Reef Aquarium was great! As a frequent vacationer to Las Vegas who only thought it was the playground of the over twenty one, it was a pleasant surprise to discover all of the family friendly activities that the Las Vegas Strip has to offer. Feel free to click on the video above.   Please feel free to leave comments below.  Feel free to post on your social media page, and subscribe to this website.

 

 

 



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Foreclosure to Buying Again

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A lot of good families got swept up in the housing market bubble build up during the years of 2000 to 2006. Everyone was trying to keep up with the Jones.  Unfortunately a lot of these same good families were victims of the housing market bubble busting. Good families were put in unfortunate positions where they had to foreclose on their homes. We decided to provide information for the families who were forced to foreclose on their dream home during and after the real estate bubble burst. Most families are curious about when they can buy after a foreclosure. Three of the biggest determining factors are the type of new loan you qualify for, has your credit been reestablished,  and the reason why you unfortunately had to foreclose.

After you’ve reestablished your credit here are the lengths of time you will have to wait before you can acquire a new mortgage.

Conventional loans require the longest length of time to wait before applying for a new mortgage. Conventional loans have a  waiting period of seven years from completion. Conventional loans also come with stricter debt to income ratios and stricter credit qualifications.

VA loans require you to be a veteran or currently serving in the military; so, not everyone can qualify for a VA loan.  The wait time for the VA loan after a foreclosure is two years. This is appropriate because our soldiers are deserving of everything for their sacrifices.

FHA loans typically requires at least a three year wait after a foreclosure.

In general banks can require a larger down payment after the foreclosure; so, keep that in mind.

Home ownership is not for everyone. Some people understandably find it’s easier to rent instead of buying. It’s much less responsibility. No maintenance of the home is required if you rent. No home owners associations dues nor head ache to deal with from HOAs. Renting gives more mobility and flexibility because in this job market, families may be asked or forced to relocate.  Home ownership can be a financial burden.  So, determine if home ownership is right for you after you’ve waited the required amount of time after your foreclosure.  Check back for more real estate articles. Feel free to leave a comment below. Feel free to post on your social media page and to subscribe to this website.

 


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