Make Your Own Weed Killer

Wednesday, July 30, 2008 | , | 3 comments »

Pesticides used to control lawn weeds are being banned in Canada. Ontario has already banned the sale and use of any pesticides that contain 2,4-D, diazinon and amitrole with more provinces set to follow.

Pesticides are also expensive costing around $15 per application. There are alternatives to using commercial pesticides.

  • Weeds such as dandelions are especially hard to get rid of. On a dry day simply sprinkle salt right in the center of the plant. In a few days the plant will have shriveled up and died. You will be left with a small brown patch but this will return to normal in no time at all.

  • Spray vinegar directly onto weeds. Be careful not to spray on other plants as they too will die. As before do this on a dry day.

  • For extra strength you can also add some orange oil extract to the vinegar.
Stores are selling organic or environmentally friendly pesticides alternatives which is basically concentrated vinegar. At Home Depot at 4L jug costs $16 the same 4L jug of pickle vinegar at No Frills costs $5.

Some hospitals have come up with an innovative way of collecting blood. They allow you to bank your own blood. If you were in need of emergency surgery then your own blood would be used during the operation.

This in beneficial to both you and the hospital. If you did not need the blood that you banked then before it expires the blood would be used by the hospital for another patient. This way you become a free donor for the hospital. If you did need the blood for a transplant then your blood would be used. You own blood would be the best match for you. This reduces any chances of your body rejecting the blood transfusion.

C’elle is a company that provides a similar service with allows women to bank their stem cells. Using an in home kit a women can collect her menstrual cells which are then are processed and cryo-preserved by C’elle.

Every cell in the human body was once a stem cell. The possibilities are endless as to what cures and treatments could arise from stem cell research. Stems cells could be manipulated to form into new skin cells to reduce the signs of aging. They could be used to fight cancer, osteoporosis, heart disease, stroke, Alzheimer’s and Parkinson’s disease.

C’elle enables and empowers a woman to take control of her future health, and possibly of those genetically closest to her, in a fast, painless and stress free way. Now for a special limited-time "Caring is Sharing" promotion, a woman can purchase C'elle for herself and give a meaningful gift of life to her best friend, sister or loved one for free. To purchase C'elle online go to and use special promotion code: 241

Just like hospitals banking your blood in case you might need it in an emergency, cryogenic storage of your stem cells is an insurance policy that you should consider.

You can read more C'elle Client Testimonial

Canadian banks require you to keep a close eye on your money. Leave some money in an unused bank account for a few years and it will disappear.

Accounts that are not actively being used are called dormant, inactive or unclaimed accounts. If interest and services changes are the only transactions on an account it is considered a dormant account.

Dormant account holders, in most cases, are either deceased, have moved, or simply forgotten about these accounts. Knowing that these account holders are not diligent about their money banks follow a few simple steps to ensure that they can drain the account as quickly as possible.

The bank converts the type of account so that there is a monthly account maintenance fee. This usually occurs after 1 year of dormancy. The notice of account change is mailed to the last known address of the account holder. If the account holder does not contact the bank the account conversion goes through. Since the account holder has probably moved there would be no response.

If the balance in the account is small, a monthly fee of $2-$10 will zero out the account.

Every 2, 5, and 9 years banks also mail out dormant account notices. The fees for these notices range from$20-$40. The notice of dormancy might in itself zero out the account balance.

If an account remains dormant (inactive) after 10 years, the balance is transferred to the Bank of Canada. 30 years after being held by the Bank of Canada if the transfered balance was less then $1000 dollars it becomes prescribed. Balances greater than $1000 are held by the Bank of Canada indefinitely.

The Bank of Canada currently hold $320 million in dormant account transfers. In most cases you can claim this money if the account was yours or if you inherited the account from a family member.

Bank of Canada Dormant Account Database

In the following example John Smith from Sarnia, Ontario has $5696.91 in a dormant account dated June 9, 1993. It was transfered to the Bank of Canada on June 9, 2003 and is still unclaimed.

Dormant, inactive and unclaimed account fees

TD Canada Trust - $85

  • 2 Years - $20.00 (no charge if acknowledged within 60 days)
  • 5 Years - $30.00
  • 9 Years - $35.00

CIBC - $85

When there has been no activity, other than interest or service charges on your account for 6 months (on non-interest bearing accounts+) or for 12 months (on interest bearing accounts), your account becomes dormant (inactive).
  • 2 Years - $20.00
  • 5 Years - $30.00
  • 9 Years - $35.00

BMO Bank of Montreal - $75
  • 2 Years - $20.00
  • 5 Years - $25.00
  • 9 Years - $30.00

ICICI - $30
  • 2 Years - $0
  • 5 Years - $0
  • 9 Years - $0
  • 10 Years - $30 balance transfer to Bank of Canada fee

PC Financial - $180
  • $20.00 each year (After two years of dormancy)

We blogged about it in our post Electronics Recycling Fees, now Ontario is all set to charge environmental fees for electronics.

$10.07 for a Television
$2.14 for a laptop computer
$13.44 for a desktop computer
$12.03 for a monitor
$5.05 for a printer
32¢ for a mouse or keyboard

Products covered in the next phase of the recycling program (fees to be determined), which goes to province for approval next summer, include:

Telephones, cellphones, BlackBerrys and pagers, answering machines, modems cameras, photocopiers and flatbed scanners, video and DVD players, radios and stereo equipment

This should come as no surprise. As costs increase people will change the way they drive. An economic study by TD Bank even stated that there are be 11 million less drivers on the highways of North America by 2010.

Police forces in some parts of the country say drivers are slowing down as the price of gasoline continues to rise.

It's a phenomenon that's catching the attention of radar gun-wielding traffic cops across North America.

Natural Resources Canada recommends drivers stick to or below the posted speed limit to save on fuel. Studies have found increasing speed to 120 kilometres an hour from 100 can increase fuel consumption by 20 per cent, the department says.

"Absolutely, we have noticed a decrease in speed," says Sgt. Cam Woolley of the Ontario Provincial Police. "We've also noticed a decrease in discretionary travel."

Frugal Canadian Living has always been about spreading knowledge on have to earn, and save money for Canadians. Every decision in life is about choices. There are good choices and better choices. This blog is about how to find the better choices.

For example cell phone plans with range from $31 per month to $45 per month for exactly the same features. Why do some people pay more? Because they don't know about the choices that are available to them.

Advertising for bloggers is what pays for the fees associated with operating their blog. The articles on this blog are free for you to read and I research and write them using my time for free. However there are costs associated with operating this blog that need to be covered.

Pay Per Post seems to be the best service that allows me to write articles that are relevant to this blog while paying me to help cover some of the costs. All articles written for Pay Per Post will be clearly identified. The Pay Per Post articles will be accurate and honest. As the reader you can decide for yourself.

On the first blog post I said that I will show you how to save money. I intend on continuing that philosophy. Every Pay Per Post opportunity that I write about will show you have to save or make money. If you are a blogger I would encourage you to sign up for Pay Per Post. Why not earn some money with doing what you enjoy.

The high price of gasoline is making it a very precious commodity. In the energy dependent world that we live in, it might could be a matter of time before Mad Max style marauders roam the highways in a "whirlwind of looting and a firestorm of fear, in which ‘men began to feed on men.'".

Okay, well may be that is a long time away but already, there are strong indications that as the value of gas increase so does its theft.

Gas and Drive

People are gassing and driving off without paying, although they run the risk of getting caught. Almost every gas station is equipped with cameras which record their license plate.

Thieves are switching the plates on their cars with stolen, fake or vanity plates before pulling into a gas station. They choose a time when the station is busy and there are multiple cars and people paying. Those intending to drive off with out paying usually fill out at the outer pumps. These pumps allow them easy access for a quick getaway.

Another gas and drive scam occurs when two or three drivers who know each other fill up at the same time. The first driver goes in to pay but gives the pump number of the second driver. Then both drivers leave. If the station is busy enough the attendant does not realize that only one person paid until it is too late.

Siphoning Your Gas

At $1.30 per liter a Honda CRV with its 58L tank holds $75 worth of gasoline. Given the choice between stealing the stereo and the gas in the vehicle, thieves are choosing to steal the gas. The stereo is harder to sell and can be tracked as stolen with its serial number. The gas can easily be sold and is untraceable.

Thieves in a van or truck park beside a car that has been left at an unattended parking lot. Using a flat screwdriver or a small crowbar the gas tank door is easily opened and a siphoning device into the gas tank to remove 45-60L of gasoline. While this occurs usually occurs at night, some thieves have been brazen enough to do this during the day at mall parking lots.

Siphon devices have become more sophisticated. They are no longer gravity fed hoses. Canadian Tire sell battery operated siphon pumps for $15. These devices are quiet and efficient.

Drilling Your Tank

SUVs and trucks with their large capacity gas tanks and higher elevation from the ground are targeted by thieves with electric drills. The thieves are drilling three to four small holes directly into the gas tank and placing a catch basin underneath your vehicle to steal your gas.

While this might be a risky activity, because drilling into the gas tank might cause an explosion, it is not as dangerous as you might think. 60% of vehicles have plastic gas tanks. Automobile manufactures use plastic gas tanks because they are lighter than steel tanks.

Victims of this type of gasoline theft have to deal with the loss the gas and the cost of replacing the damaged gas tank. The cost of replacing a metal tank on passenger vehicles is between $300 and $400, and the plastic tank common on newer vehicles would be at least $500.

Protect Your Vehicle

While the cost of the gasoline might be a small loss, the replacement of a broken gas tank door, or worse a fuel tank is an expensive prospect. Just like when a thief breaks your window to steal your stereo, the cost of replacing your window often out weights the cost of replacing your stereo. Filing an insurance claim could mean the insurance company might deem you a higher risk driver and your rates will increase.

Protect yourself and your vehicle by always parking your car in your garage when at home. If you have to park in a parking lot, park in a well lit area. If you park on the street, park with the gas tank facing the street. This will provide less cover for the thief. Purchase and install a car alarm. Buy a locking gas cap. Locking gas caps are cheap and very effective. Gasoline thieves will move to an easier target.

Frugal Way to Watch Movies

Wednesday, July 02, 2008 | | 0 comments »

Big budgets, bigger stars, mostly crappy movies. That is what Hollywood turns out these days.

Hollywood releases new movies on DVD every Tuesday. Usually there are only one or two good movies in the bunch. Use Internet Movie Database ( to check out the rating of a movie. The number of votes indicates the number of people who rated the movie. The rating of a movie tends to be more accurate if more viewers rated it.

Since the movies are rated by the movie going audience they tend to be more accurate.
Reviews of movies by critics are sometimes very subjective to the critics particular tastes. Never decide to watch a movie based on its trailer. Trailers contain 30 seconds of the best action, dialogue, and acting in the movie.

Movies with more than 1000 votes and a rating greater than 6.5 are watchable. Excellent movies will have a rating of 7.5 or higher.

July 8, 2008 New DVD Releases

Superhero Movie - IMBD Rating 4.0 (7,322 votes)
Stop-Loss - IMBD Rating 6.5 (2,571 votes)
The Ruins - IMBD Rating 6.3 (5,730 votes)
Charlie Bartlett - IMBD Rating 7.3 (6,206 votes)
Funny Games - User Rating: 6.6 (6,706 votes)
Batman: Gotham Knight - IMBD No Rating
The Tracey Fragments - IMBD Rating 6.5 (1,124 votes)
Bella - IMBD Rating 7.5 (4,019 votes)
Stories of Lost Souls - IMBD Rating 6.2 (289 votes)
Romulus, My Father - IMBD Rating 7.1 (859 votes)
Bonneville - IMBD Rating 6.0 (624 votes)
Impact Point - IMBD Rating 3.8 (54 votes)
Towards Darkness - IMBD Rating 5.7 (108 votes)

Contributions to your Canada Pension Plan and Employment Insurance are deducted from every paycheque. However did you know that there are deductible maximums for both of these plans. This means if you earn more than the maximum insurable amounts you will not have to make further contributions to these plans.

The CPP maximum insurable amount for 2008 is $44,900. The EI maximum insurable amount for 2008 is $41,100.

When your 2008 earnings reach $41,100 you will stop paying EI premiums. You will stop paying Canada Pension Plan premiums at $44,900. This is implemented automatically by your payrole department. However it is always good to double check.

So assuming that you earn more than $41,100 a year, at some time during the year your paycheque will be bigger. On January 1 of the following year the deductions reset and you will once again have to make CPP and EI payments.

CPP & EI Contribution Limits

2008 2007 2006
Yearly Exemption: $3,500 $3,500 $3,500
Contribution Rate 4.95% 4.95% 4.95%
Maximum Contribution $2,049.30 $1,989.90 $1,910.70
Maximum Pensionable Earnings $44,900 $43,700 $42,100
EI Rate 1.73% or 1.39% (for Quebec) 1.80% or 1.46% (for Quebec) 1.87%
Maximum Earnings $41,100 $40,000 $39,000
Maximum Employee Contribution $711.03 or $571.29 (for Quebec) $720.00 or $584.00 (for Quebec) $729.30 or $596.70 (for Quebec)
Maximum Employer Contribution* $995.44 or $799.81 (for Quebec) $1008.00 or $817.60 (for Quebec) $1,021.02

* Assuming the employer contribution rate is 1.4