House Archives - Page 3 of 3 - Lareau Blog

House

My condo, my own insurance or the syndicate’s?

Gabrielle Côté Auteur Lareau - Gabrielle Côté

  An increasing number of condominiums are being built both in major urban centres and small municipalities. Cities and towns see this as a way to increase population density, and buyers see it as a way of becoming a property owner while investing in real estate. At the same time, buying a condominium may lead to confusion when it comes to responsibilities and loss settlements resulting from damage to the building and your unit. Common and private portions First of all, it is important to distinguish common portions from private portions. In short, private portions are the areas of the building and land owned and used exclusively by the co-owner. For example: your unit, bedroom, bathroom, etc. The Insurance Bureau of Canada (IBC) has created a very practical lexicon to help you demystify condominiums and relevant terms. Who pays what? Lire la suite…

Defamation!

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

So you have 300 Facebook friends, a Twitter account, use GPS mobile phone applications, give your opinion on specialized sites and criticize blog entries. Others react to your strong opinions, or to your biting sarcasm. You are hot-blooded, easily angered, and impulsive in sharing your good and bad experiences. Are you immune to legal proceedings? The definition of defamation differs depending on whom you ask, but most say it affects the reputation of someone or something. Granted, people have personal views on what constitutes ruining a reputation. As proof, the saying “There is no bad publicity… what counts is that they are talking about you,” which almost dismisses the idea of defamation. However, to most, reputation is sacred. Social networking promotes the expression of anger, points of view, and various opinions. Twitter is a sort of unformatted, unchecked and super-fast Lire la suite…

Hey Students, Are You Insured?

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Granted, we know that students have other concerns than to worry about insurance. After high school, students often leave the family nest to study in the “big city”. They think about their TV, their roommates, their studies, their weekend parties… basically everything, but insurance. And what about their parents? They have better things to think about too: costs, fears, weekend parties, sometimes said with a faint smile on their lips… So, who has thought about insurance? The answer may surprise you: the insurance company. Students are found in the definition of an insured in a home insurance contract, and are covered free of charge through their parents’ insurance. But wait… there are three conditions for eligibility. The precise definition is: “Any student dependent on the designated insured or his or her spouse, even if the student is living temporarily outside Lire la suite…

My good old oil tank

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Do you remember the old Petro-Canada publicity campaign in the late eighties? A woman asks a gas-station attendant why his gas station is renovating, and why are they changing the tanks when they are “still good”… The attendant replies sensibly, in a comforting tone, “Because, Madam, it’ll be too late when they start leaking”. The woman instantly understands what’s at stake, and turns back to her daughter, looking tenderly at her and with a sudden confidence in the future. Now, the eighties being what they were, they were a bit short on subtlety, but the message was clear: “We cannot accept an oil company contaminating the ground.” This summer was a particularly bad one when it came to soil contamination by oil. First, the BP disaster in the Gulf of Mexico… then, closer to home, Canada Steamship Lines in Ste-Catherine, Lire la suite…

Smoke gets in your eyes…

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

When a lovely flame dies, smoke gets in your eyes… Everyone knows this popular standard, most famously sung by Nat King Cole. We think of the soft crackling and romanticism of a roaring fire with its surrounding warmth, but there is another side to it. As the cold weather begins, we should be more aware of this. But can the pleasant smell of burning wood be so harmful? Well, it is. Winter smog in urban areas is largely caused by wood heating during the winter. This smog can result in a number of cardiovascular and pulmonary diseases, and cause and aggravate asthma and emphysema symptoms. An old wood stove by itself emits as much pollution (calculated in terms of particles) as four recently EPA certified stoves (the certification standard now mandatory for wood stoves). Moreover, the ambient air in the Lire la suite…

Protecting Yourself with Social Media

Charles-Antoine Carra Auteur Lareau - Charles-Antoine Carra

Social media is a phenomenon that stretches across the globe. Millions of social media users post pictures, updates and articles daily. We are sharing more of ourselves than we ever did before. We are placing personal pictures, writing our personal e-mails, and potentially giving out vital personal information such as dates of birth, addresses and cell phone numbers. How do we protect ourselves from our personal information falling into the wrong hands? Here are a few tips: Avoid posting your address It is very simple for someone to find out where you live if you use Facebook. Some users post pictures outside their home or at the corner of their street. Others may post their address directly on their profile. Be careful whom you allow to see your information. Do not give out information which can be used to verify Lire la suite…

  1. 1
  2. 2
  3. 3