In 2016, the Government of Canada will move to a direct deposit of all government payments. There won't be any option but to open a bank account. Before this can happen Canadian's will need to get prepared.
Bed bugs (Cimex lectularius) are small insects that feed solely on the blood of people and animals while they sleep. Bed bugs are reddish"brown in colour, and can live several months without a blood meal, making them very resilient and hard to eliminate. They don't fly and spread by 'hitching rides' on items such as clothing, purses and luggage. They then establish themselves in mattresses, bedding, furniture, cracks in walls and even electronics.
Blue Monday has been assigned the title of the most depressing day of the year. Several factors contribute to this honour. The days are short, the weather is cold, you have likely failed your New Year's resolutions, and now you have to face the results of your holiday spending as the credit card bills roll in.