How to Set Up a Family Game Night

Family Game nights allow you to bond with your family and just have a fun time. Here is how you can go about setting one up.

1. Find a time when everyone will be available

Were all busy, the first thing you need to do is to plan it in advanced. Ask other people when they will be available and make it a date to look forward too. Put a reminder on the refrigerator so everyone knows when it is.

2. Find Some Games to play

You can’t have a family game night without games, so try to find some games somewhere; you may only need a deck of cards. You could also ask around and see if anyone knows of a fun game that you guys could play.

3. Decide what snacks you will have

People like to munch on things. Putting out a few cut up vegetables, or some chips can be a great idea. You might even want to replace dinner with snacks at family game night, just to mix things up a little.

4. Decide if it will be in the family

You have to decide if it will only be in the family, so only people in your family will be there, or not. I like the fact of inviting other people. You can invite other people and see if your kids want to invite other people the more the merrier.

This also is a great way to meet who your kids are hanging out with.

5. Have Fun

Family game night is all about everyone having fun and making good memories. So remember to go in it with a positive attitude and be happy. Remember if you aren’t having fun it can rub off and make it so no one is having fun either.

Toronto’s Real Estate Market – The Sky is Not Falling!

I am sure you are just as tired as I am about hearing how terrible the current state of the real estate market is in Toronto, but is it really that bad?

No, the sky is not falling but there is no doubt that the Toronto real estate market has been affected by the US economic slowdown and because of this consumer confidence has also been affected … and some realtors have had to look for a "real job. "

The economic downturn in the states has no doubt had an impact on our economy. We are seeing fewer transactions occurring, (4,120 resale transactions in Feb '09 compared to 6,015 in Feb '08 according to TREB). Along with a reduction in the number of transactions that have occurred, average prices have also come down in comparison to the same time last year. According to TREB, in central Toronto the average price has gone from $ 404,202 (Jan, 2008) to $ 343,632 (Jan, 2009). Homes are also sitting on the market on average longer than the same time last year but what did we really expect? Did we really think last years wacky market of multiple offers and inflated prices would survive another year?

What does this real estate market mean to a Buyer or Seller in Toronto?

This is great news for buyers! This market is a blessing for first time buyers or those wanting home ownership but just could not afford it in the past. The declining average prices and the unbelievably low interest rates are a great combination! It's a Buyers market, so Buyers take advantage of this opportunity … it's a great time to buy! For sellers this type of market means pricing right and putting in extra effort to make sure your property shows at its potential. In the peak of the market, properties could sell the day they were put up for sale, now properties sit for longer but will still sell if priced right.

As we know, the real estate market is seasonal. As the spring market approaches all ready there is more activity in the city core than in the previous month. Just last week I was apart of two multiple offer situations in North York. Generally speaking the Toronto Real estate market tends to pick up in late spring and then begins its descend in July. The Canadian Mortgage and Housing Commission is forecasting that Toronto will see its 6th or 7th best year in history. They are hiring for 75,000 sales in 2009. The next few months will be a great indicator of the state of the Toronto Real estate market. I guess we'll just have to wait and see.

5 Deadly Financial Mistakes You Should Avoid Now To Keep Out Of Debt Later!

Every year more families are going to the brink of financial ruin because they never properly considered their financial future. For some, it's just to stressful or emotionally uncomfortable to think about and important financial decisions get put off indefinitely. For many, they do not know and were never taught some basic financial planning tips to keep them out of debt in the future. Here are five financial mistakes you should avoid now to keep your financial future bright:

5 Financial Mistakes To Avoid:

1. Buying on credit: Today's interest rates are fairly low, but this does not mean you should buy excessively on credit! Carrying a large balance on credit cards month to month is a recipe for disaster. Finance charges alone can slowly eat you up. Buying a car on credit ties up even more of your future earnings for debt repayment.

Just a few decades ago buying so much on credit was unheard of. Children were taught early on what a huge mistake this was. We all need to relearn this lesson and eliminate buying on credit to keep ourselves out of debt

2. Making financial decision based on emotion: When you are going through great stress or emotional turmoil you are most vulnerable to making disastrous financial financial decisions. It is when you are feeling some king of pressure that you are most likely to make silly decisions that get you into trouble later. Do not make a big money decision when you are emotionally vulnerable.

3. Not adequately insuring against catastrophic risk: Every year families are financially devastated because they are not protected against disaster. Loss of home and assets to fire and flood are very common events that a surprising number of people do not protect against with insurance. You should also protect against disaster common to your area. Earthquakes and tornadoes for example. Just as important is some kind of life insurance to protect your loved ones in case of death.

4. Falling for the slick salesmen pitch: They say a sucker is born every minute. And you can be sure there is a slick salesmen waiting to take advantage of every one of them! You should never enter into any financial decision based on salesmen pressure tactics or one-time offers. Great deals that can not wait for you to think on it or obtain a second opinion are often financial disasters waiting to happen.

5. Not planning out your financial future: For many people it is so much easier to put off the tough financial planning right now and get to it someday in the future. Well we know how that story goes. Years into the future many families are neck deep in debt with no relief in sight. And it could of all been avoided with some sensible planning. Talk to a financial planner today so you can be debt free tomorrow!

There you have it. Five important financial mistakes to avoid so you can be both debt and worry free in your future. No matter where you are at right now financially, it's not to late to get started. Make an appointment with a financial planner today and get your financial future properly planned out. It's one of the most important things you can do for your family and for yourself.

Examples Of Spyware And What They Are

Spyware is a general term used to describe software that performs certain behaviors such as advertising, collecting personal information, or changing the configuration of your computer, generally without appropriately obtaining your consent first.

Spyware is often associated with software that displays advertisements (called adware) or software that tracks personal or sensitive information.

That does not mean all software that provides ads or tracks your online activities is bad. For example, you might sign up for a free music service, but you “pay” for the service by agreeing to receive targeted ads. If you understand the terms and agree to them, you may have decided that it is a fair tradeoff. You might also agree to let the company track your online activities to determine which ads to show you.

Other kinds of Spyware make changes to your computer that can be annoying and can cause your computer slow down or crash.

These programs can change your Web browsers home page or search page, or add additional components to your browser you don’t need or want. These programs also make it very difficult for you to change your settings back to the way you originally had them.

The key in all cases is whether or not you (or someone who uses your computer) understand what the software will do and have agreed to install the software on your computer.

There are a number of ways Spyware or other unwanted software can get on your computer. A common trick is to covertly install the software during the installation of other software you want such as a music or video file sharing program.

Any software that covertly gathers user information through the user’s Internet connection without his or her knowledge, usually for advertising purposes. Spyware applications are typically bundled as a hidden component of freeware or shareware programs that can be downloaded from the Internet; however, it should be noted that the majority of shareware and freeware applications do not come with SpyWare. Once installed, the Spyware monitors user activity on the Internet and transmits that information in the background to someone else. Spyware can also gather information about e-mail addresses and even passwords and credit card numbers

Aside from the questions of ethics and privacy, SpyWare steals from the user by using the computer’s memory resources and also by eating bandwidth as it sends information back to the spy ware’s home base via the user’s Internet connection. Because SpyWare is using memory and system resources, the applications running in the background can lead to system crashes or general system instability.

Because SpyWare exists as independent executable programs, they have the ability to monitor keystrokes, scan files on the hard drive, snoop other applications, such as chat programs or word processors, install other SpyWare programs, read cookies, change the default home page on the Web browser, consistently relaying this information back to the SpyWare author who will either use it for advertising/marketing purposes or sell the information to another party.

Licensing agreements that accompany software downloads sometimes warn the user that a SpyWare program will be installed along with the requested software, but the licensing agreements may not always be read completely because the notice of a SpyWare installation is often couched in obtuse, hard-to-read legal disclaimers.

Examples of SpyWare

These common SpyWare programs illustrate the diversity of behaviors found in these attacks. Note that as with computer viruses, researchers give names to SpyWare programs which may not be used by their creators. Programs may be grouped into “families” based not on shared program code, but on common behaviors, or by “following the money” of apparent financial or business connections. For instance, a number of the SpyWare programs distributed by Claria are collectively known as “Gator”. Likewise, programs which are frequently installed together may be described as parts of the same SpyWare package, even if they function separately.

o CoolWebSearch, a group of programs, takes advantage of Internet Explorer vulnerabilities. The package directs traffic to advertisements on Web sites including coolwebsearch.com. It displays pop-up ads, rewrites search engine results, and alters the infected computer’s hosts file to direct DNS lookups to these sites.

o Internet Optimizer, also known as DyFuCa, redirects Internet Explorer error pages to advertising. When users follow a broken link or enter an erroneous URL, they see a page of advertisements. However, because password-protected Web sites (HTTP Basic authentication) use the same mechanism as HTTP errors, Internet Optimizer makes it impossible for the user to access password-protected sites.

o Zango (formerly 180 Solutions) transmits detailed information to advertisers about the Web sites which users visit. It also alters HTTP requests for affiliate advertisements linked from a Web site, so that the advertisements make unearned profit for the 180 Solutions Company. It opens pop-up ads that cover over the Web sites of competing companies.

o HuntBar, aka WinTools or Adware,WebSearch was installed by an ActiveX drive-by download at affiliate Web sites, or by advertisements displayed by other SpyWare programs-an example of how SpyWare can install more SpyWare. These programs add toolbars to IE, track aggregate browsing behavior, redirect affiliate references, and display advertisements.

oZlob Trojan or just Zlob, Downloads itself to your computer via ActiveX codec and reports information back to Control Server. Some information can be as your search history, the Websites you visited, and even Key Strokes.