One in three parents surveyed say their children will always ask them for money if they don’t develop healthy financial habits while young, TD survey finds

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Man’s teeth broken during gastroscopy

Excerpted article was written By Luke Hendry

Tilley, 75, underwent a gastroscopy and a colonoscopy Jan. 27 at Belleville General Hospital.

There he completed the required paperwork detailing his medical history, including noting his teeth were capped.

But upon awaking from sedation, Tilley said, a nurse told him she had bad news for him.

The nurse handed him a plastic bottle containing pieces of his teeth. His two top central incisors were missing.

“What the hell happened?” he asked her.

Tilley said he then learned he had apparently bitten the bite block, a small device inserted into the patient’s mouth to prevent damage to the gastroscope.

In an Intelligencer interview, Tilley discussed his case calmly, showing no anger, only a sense of disbelief at injury and the aftermath.

He said he’s since been through the uncomfortable ordeal of having the missing teeth replaced with implants and a confusing process of trying to get answers and compensation.

“Am I the only person this has happened to?” he asked. “I can’t be.” Tilley said he’s curious to know if any other patients with similar experiences have been compensated.

Quinte Health Care community relations manager Catherine Walker declined The Intelligencer’s request to interview hospital officials.

They cannot discuss specifics of patient care, she wrote via e-mail.

“In healthcare, we try to take all precautions to mitigate as many risks as possible to reduce the chance of complications occurring,” Walker wrote.

“With any surgical procedure there are risks involved and our medical professionals discuss both the risks and the benefits with our patients in advance of any procedure.

“We do more than 10,000 endoscopy procedures annually at BGH and PECMH (Prince Edward County Memorial Hospital) – approximately 3,000 of those are gastroscopies.”

Walker continued by saying problems do occur during such procedures but “in the vast majority of cases” there are no complications.

Tilley said his teeth were in good shape prior to the gastroscopy.

Replacing them through dental surgery was another matter.

“I went through hell,” he said. “This guy’s in my mouth with a hammer and a chisel, trying to break the roots out.”

He said he went through multiple appointments and suffered a health complication after that process.

But seven months later, and after using a temporary “flipper” insert to replace his missing teeth, his lost teeth have been replaced with implants. Tilley said he’s now comfortable and able to eat normally.

“It was not cheap,” said Tilley. “Of course I want to be compensated.”

He would not disclose the cost.

Tilley said he wasn’t interested in the grief of pursuing legal proceedings or filing a formal complaint against doctors. But he said he’s been frustrated by the lack of answers and the inability to recoup his costs – either from the hospital, the doctors, or the Ontario Health Insurance Plan (OHIP).

“I pay OHIP,” he said, referring to the Ontario Health Insurance Plan.

“And for something like this to happen, why can I not be compensated?

“I shouldn’t have to have concern or dealings with the internal politics or finances of a hospital.”

He said he merely wants his out-of-pocket expenses to be covered, though he added dryly he wouldn’t be troubled by a larger amount.

Tilley said he met with a Quinte Health Care patient experience specialist within days of his initial procedure and was in turn referred to the corporation’s insurer.

After speaking by telephone with an insurance adjuster, Tilley later received a letter from the insurer, which declined compensation. The letter explained the hospital’s insurance policy does not cover self-employed professionals such as doctors – and that an anesthetist placed the bite block in Tilley’s mouth and a surgeon inserted the scope.

In short, since his complaint didn’t involve hospital staff directly, he’d have to take his claim elsewhere.

Tilley said his lawyer has advised pursuing a legal claim would be a long and costly process.

He also said that, contrary to the insurer’s letter, he recalls no paperwork or discussion informing him of the risk of dental injury. He

Tilley said received no apology and no hospital officials and, after referring him to the insurer, “Quinte Health Care didn’t offer any suggestions or information.”

The corporation’s Catherine Walker said staff work directly with patients “to understand the situation, to apologize for their experience and to come to a resolution.”

Tilley, though, remains unsatisfied.

“We all make mistakes in our businesses. I’ve been there,” said the retired entrepreneur.

“This wasn’t my fault. Somebody, I feel, should be responsible.”

Source: , The Intelligencer

Exploding sunroofs: Complaints are soaring-here are the car brands and models involved

 | Global News

Shayla Lovic and her husband, from Brampton Ont., were driving to a doctor’s appointment for their then three-month-old daughter on a quiet February morning this year when they heard what sounded like “an explosion.”

The roof of their 2016 Volkswagen Jetta had just shattered into tiny pieces. When Lovic, still confused about what had happened, turned to the rear passenger seat, she saw her infant daughter covered in glass, the 26-year old marketing manager recently recalled in an interview with Global News.

“At that point, I freaked out.”

The baby was unharmed, it turned out, but the sunroof shattering caused the car, which was traveling on Highway 427, to swerve. Thankfully it was around midday and there were no other vehicles around, she said.

Lovic’s story, which made news at the time, isn’t the first of its kind – or even the first to have made it to the media. Global News has reported on a number of such cases, including, most recently, that of Jim Ashe, a Calgary realtor, who in 2015 also got a scare from a loud noise while driving and pulled over to find the sunroof of his Buick shattered.

But instances of shattering sunroofs are becoming more and more common on Canada’s roads, according to data provided to Global News by Transport Canada.

The number of such complaints went from zero in 2007 to over 110 in 2016. The tally as of Oct. 16 of this year stood at 103 incidents.

Transport Canada has recorded 351 complaints about shattering sunroofs since the year 2000. Here are the affected car brands and models:

Brand # of Complaints Model # of Complaints
BMW 32 3 SERIES (BMW) 13
DODGE 7 X5 (BMW) 6
RAM 2 F150 (FORD) 4
Total (Oct 16, 2017) 351 SRX (CADILLAC) 4
CX-9 (MAZDA) 3

South of the border, Americans have filed over 850 complaints about shattering sunroofs with the U.S. federal government between 1995 and September of 2017, according to Consumer Reports.

Read Full Article Here: 


Manulife Vitality program now offering Apple Watch, encouraging members to live a more active lifestyle

Manulife today announced the launch of its new Manulife Vitality Active Rewards with Apple Watch program, a further enhancement to the Manulife Vitality program. The program motivates Canadians who have purchased Manulife Vitality program linked life insurance, to get more active by offering them the opportunity to earn Vitality points and get Apple Watch Series 1Apple Watch Series 3 (GPS) and Apple Watch Series 3 (GPS + Cellular) when they meet physical activity targets through their insurance contract.

Manulife redefined life insurance in 2016 with the introduction of the Manulife Vitality program, which allows members to save significantly on their premiums and earn valuable rewards by taking small steps to live healthy lives, like walking, exercising or getting regular check-ups.

“By growing our Manulife Vitality program and offering it to new and existing members, we are continuing our promise of helping Canadians to live a long, healthy, active and fulfilled life,” said Michael Doughty, President and Chief Executive Officer, Manulife Canada. “By offering Apple Watch, we are helping Canadians be active and live healthier today, while aiming to protect their financial future.”

“The data from U.S. Apple Watch users is encouraging – we’ve motivated Vitality members to be more active, with the number of active days per week increasing by 40 per cent,” said Tal Gilbert, CEO of Vitality Group USA. “Not only have we seen people getting more active, we’ve seen the largest increases in the most at-risk populations, and we’ve seen those improvements persist over time with the program running for over a year now.”

Get Apple Watch. Get Active. Get Rewarded.
Through the Manulife Vitality Active Rewards with Apple Watch program, members who want to participate simply sign up, choose their Apple Watch, pay an initial activation fee (plus tax), and then receive an Apple Watch to get started. Whether they like to walk, run, bike, swim or hit the gym, it’s easy for participants to track their activities and earn Vitality Points that go towards monthly payments for their watch over two years. Members will be able to fund their Apple Watch by meeting monthly Vitality Active Rewards targets that are achievable over 24 months.

John Hancock Vitality life insurance also expands Apple Watch Program – Part of global initiative to encourage healthy living of policyholders
Today, Manulife’s U.S. division, John Hancock also announced an expansion of its Vitality program. It is expanding the Apple Watch program, launched last year, to all new and existing John Hancock Vitality life insurance policyholders. Now, in addition to permanent life insurance buyers, the four million Americans who buy lower-cost term life insurance every year will have the opportunity to protect their financial future for less than $15/month1, while earning an Apple Watch, for achieving monthly physical activity goals and making healthy lifestyle choices.

1 Varies based on age, amount of coverage, underwriting status and term period selected.

For further information on the Manulife Vitality Active Rewards with Apple Watch program, please visit: or for advisors,

About Vitality
Vitality changes the economics of healthcare by integrating expertise in wellness, insurance, and technology to change behaviors to improve health. By driving engagement in healthier lifestyles, Vitality provides benefits from day one to members, employers, and society. Vitality brings a global perspective through successful partnerships with employers of all sizes and best-in-class insurers around the world, in countries including the United StatesUnited KingdomGermanyFranceSouth AfricaChinaSingaporeAustraliaHong KongThailandMalaysiathe Philippines and Japan. Drawing on behavioral economics, Vitality supports, guides and incentivizes individuals to improve their health, and then prices their risk dynamically over time based on their engagement in the Vitality program. This shared value insurance model results in material benefits shared between the employer (lower health claims), insurer (more profits), members (greater health and financial rewards) and society (a healthier, more productive workforce).

Vitality Group is a member of Discovery Ltd., a global financial service organization and pioneer of the Shared-value Insurance model. The Vitality program currently serves more than 7 million members in 14 countries around the world with plans to launch in an additional 10 markets over the next two years. For more information about Vitality Group, please visit and follow on Twitter: @VitalityUSA.

About Manulife
Manulife Financial Corporation is a leading international financial services group that helps people achieve their dreams and aspirations by putting customers’ needs first and providing the right advice and solutions. We operate as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. At the end of 2016, we had approximately 35,000 employees, 70,000 agents, and thousands of distribution partners, serving more than 22 million customers. As of June 30, 2017, we had over $1 trillion (US$780 billion) in assets under management and administration, and in the previous 12 months we made $26.7 billion in payments to our customers. Our principal operations are in AsiaCanada and the United States where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as ‘MFC’ on the TorontoNew York, and the Philippine stock exchanges and under ‘945’ in Hong Kong.

SOURCE Manulife Financial Corporation

Think you’re paying too much for insurance? Blame your neighbours


If you live in Ontario and think you pay too much for auto insurance, what if I told you your biggest problem might be your neighbours?

Kanetix is an online insurance comparison marketplace, and a recently released study shows who is getting dinged the most for car insurance. We all know the factors that go into determining how much you’re going to have to pay: The make and model of car you drive, your driving record, and your prior insurance history. What you may not realize is how much another factor comes into play: Geography.

While Ontario drivers pay an average annual premium of $1,316 (that’s the highest in Canada), for some residents that would be a bargain. Brampton tops out as the most expensive city in Ontario, and therefore Canada, at $2,268. Rounding out the top ten are Vaughan ($1,825), Mississauga ($1,788), Markham ($1,785), Toronto ($1,743), Richmond Hill ($1,709), Ajax ($1,519), Hamilton ($1,497), Pickering ($1,450) and Whitby ($1,399).

Insurance companies use statistics; pure numbers. You can whine and complain all you like, but if you’re driving a car that is involved in a significant number of claims, even if they’re not yours, you’ll pay more. Sometimes it’s due to something like the lack of a good security system – older pickups are notoriously overly represented in the Insurance Bureau of Canada’s top ten most stolen lists because they’re easier to steal. That weighs against you when you go to insure one. Sometimes, it’s that same numbers game just working against you, like with the Chevrolet Cruze: There are so many of them on the road, they’re involved in more payouts.

If you live in a city, or a neighbourhood, that takes more from the system than another one, you will pay. If you live in an area that sports more collisions than average, or is more heavily ticketed, you will pay. Janine White is the vice president of Kanetix, and cautions against making sweeping generalizations against entire cities, however.

“The industry breaks it down even more, by postal code. Parts of Toronto are actually even more expensive than Brampton,” she notes. Some are paying more than Brampton. If your postal code begins with M1S (Agincourt North), you’re paying an average of $2,384 per year. M1V (Milliken), $2,384; M1W (L’Amoreaux), $2384; M1B (Malvern), $2,313; M1X (Rouge), $2,313. You can look at postal code census readings and see how many households (M1B, about 20,000) or how few (M1X, about 3,000) can impact your rates.

Read More Here: 

A nightmare on B.C. roads-crashes 25 per cent higher on Halloween

A nightmare on B.C. roads-crashes 25 per cent higher on Halloween

Halloween is meant to be a fun celebration, but it can also be risky if parents, children and drivers don’t take precautions. Compared to an average day, crashes spike by 25 per cent on Halloween with 330 people injured in 920 crashes across B.C.*

With Halloween celebrations starting this weekend, here are ICBC’s tips to keep ghosts and goblins of all ages safe:

Tips for drivers

  • Stay well below the speed limit: Drive well below the speed limit in residential areas, especially between 5:00 p.m. to 9:00 p.m., the peak time for trick-or-treating. A car going 30 km/hr travels 18 metres – about the length of four cars – in order to come to a complete stop. Driving at a lower speed will give you more time to stop in case a child runs across the street unexpectedly.

  • Scan as you drive: Children may be walking in unexpected places like driveways, alleys and parking lots. Drive slowly and be prepared to stop at a moment’s notice.

  • Don’t roll through stop signs or intersections: Come to a full stop at all intersections and look all around you. Even if you think you don’t see anyone, small children can be difficult to see, especially if they’re wearing a dark costume.

  • Do not pass a slow or stopped vehicle: Have patience on Halloween night. Many drivers will be driving slowly to watch out for trick-or-treaters. If a car is slowing down or stopped in front of you, don’t try to pass the car. They may be stopping to let children cross the road, or stopping for something else you cannot see.

  • Watch out for drunk drivers: Designated drivers for adult party-goers should be on high alert for things that go bump in the night – like drunk drivers. Telltale signs include weaving, sudden braking or acceleration, drifting out of their lane, and slow responses to traffic signals. If you suspect an impaired driver, keep a safe distance, and pull over to call 9-1-1 to report to police. Note the make, model, colour and license plate and give the exact location of the vehicle.

Tips to keep kids safe

  • Make sure the costume fits: A costume that’s too big or small could cause a child to trip and fall, causing injury.

  • Be bright to be seen: Many costumes are quite dark, making your child less visible at night. Try to nudge your child toward a lighter costume. If your child insists on being a ninja this year, add reflective tape to their outfit and treat bag, and make them use a flashlight or headlamp to help them stand out in the dark.

  • Create a safe route: If your kids are trick-or-treating without you, plan a safe route for your children and their friends. The best route should be familiar, well-established, direct and away from busy main roads. Set a return time.

  • Travel in groups: Organize a group to trick-or-treat together. Walking in a group will make you and your children more visible to drivers.

  • Follow the rules of the road: Always walk on sidewalks and cross only at crosswalks when travelling with your child. If there is no sidewalk, walk as far to the edge as possible, facing traffic. For older children that are trick-or-treating with friends, review the rules and remind them to work their way up one side of the street, instead of crossing back and forth.

  • Consider other ways to celebrate: Instead of traditional trick-or-treating, consider hosting a Halloween party for your child and their friends, attending a Halloween party if offered at local community centres, or taking your child to a local shopping centre that offers trick-or-treating opportunities in a well-lit, controlled environment.

Tips for adults to celebrate safely

  • Plan for a safe ride home: If your Halloween celebrations involve alcohol, make a plan before you head out. Arrange for a designated driver or use other options to get home safely—call a taxi, take transit or call a sober friend.

  • Light fireworks safely: In areas that allow the purchase of fireworks, light your fireworks in a clear, open and safe space. Lighting fireworks on the road is not safe for you or drivers.

Regional statistics*

  • On average, 240 people are injured in 620 crashes on Halloween in the Lower Mainland.

  • On average, 33 people are injured in 130 crashes on Halloween on Vancouver Island.

  • On average, 40 people are injured in 110 crashes on Halloween in the Southern Interior.

  • On average, 16 people are injured in 65 crashes on Halloween in the North Central region.

*Crashes and injuries are from ICBC data based on a five year average (2011 to 2015) on Halloween, the 24-hour period on October 31st of each year.

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