We thank the many local and non local writers who contribute every month to the Almohajer Aljadeed sections of business, trade, culture, art and science. Your articles enrich our publications and continue to benefit our readers. Your contributions have a new venue online, and will continue to be published on our monthly newspaper. New contributions are welcomed always.
By Adelle Youssef
Too many people fall victim to easily avoidable hazards of buying and selling property.It is worth the effort to learn about the home buying and selling process; doing so can save you time, stress and money. Think about hiring the right sales person. It is a good idea to meet with a few different representatives before you decide on which to hire. It is important that you feel comfortable and confident that this is the right person for the job of helping you to find or sell a home. Working with a real estate professional is a partnership. Make sure you communicate your expectations clearly. It is important that you have a mutual understanding of what you are looking for, what elements are deal-breakers and what services the Brokerage is responsible for. Take the time to read and understand the forms you are signing. Nobody likes to read the fine print, but taking the time to understand what you are signing can avoid many problems later on. Make sure all the blanks in the forms are filled in and you get a copy of everything you’ve signed. Don’t let emotions overtake your common sense when you fall in love with a property. Stick with your budget and be aware of the risk of not having a home inspection, just to win a bidding war. There may be underlying problems which a qualified inspector can identify and save you costly problems in the end. Don’t assume everything is included. The seller may want to take all the appliances with them. The hot water tank or heating system may be rentals that you have to take over. Make sure all the items you expect to be included are detailed as chattels. You can also include a clause asking the seller to pay out any outstanding rental contracts. This is the best way to protect yourself from any surprises in the end. Don’t forget about what is inside and outside the walls. Ask your real estate professional to look into the age of the wiring, plumbing, and heating systems. Ask about extensive renovations and if permits were issued. Spend some time exploring the neighborhood and researching location of schools and amenities. A simple internet search can be very helpful or asking neighbors when you’re concerned about a home with a troubled past. Don’t rely on a verbal agreement. Putting everything in writing forces all parties to be clear about their expectations and can prevent disputes later. It is important not to underestimate closing costs. Land Transfer taxes, title insurance, home inspections and lawyer costs can all add up. You may want to touch up some things such as paint, window coverings, or new appliances. All these things can take a big chunk out of your budget. These tips will certainly help, but the most important advice is to work with a registered real estate professional. They can provide a great deal of knowledge and expertise about the buying and selling process, as well as specific knowledge about neighborhoods and local issues. To help avoid hazards like these, talk to a registered real estate professional.
Adele Youssef, ASA
Real estate sales representative
Manor Windsor Realty Ltd. Brokerage
519-250-8800 / 519-566-6514
By Dr. M. Moussa
It is important for parents and educators to develop a better understanding of the challenges a child may experience at school or home with reading, comprehension, double vision, headaches or eye strain. If the information that is sent to the brain is compromised in some way, it can make learning very difficult. A study published in the Journal of Attention Disorders’ November 2013 issue states that “attention and internalizing problems improved significantly following treatment for convergence insufficiency.” Convergence insufficiency is an eye coordination disorder which can make reading difficult and cause symptoms such as eye strain, double vision, loss of concentration, and frequent loss of place when reading and working up close. All these can play a negative role in learning. If your child isn’t performing up to his or her potential in school or sports, poor vision may be to blame - even if she or he has perfect eye sight. Several visual problems that prevent children from doing well in the classroom can go undetected in traditional eye tests. Some of the common signs of vision problems include headaches associated with using eyes, burning and itching of eyes, nausea after reading, double vision, holding books very close to their eyes, use of finger to keep place, taking a long time in completing homework, and skipping or re-reading of lines. “Good eye sight means you can see the books’ content, but poor vision means you can’t organize the information available to you, and you can’t picture the stories and their events” explains Dr. Moussa. Successful patients of vision therapy demonstrate enhanced functioning on tasks and develop the visual skills needed to achieve more effectively at school, work, and play. “You should consult your primary-care eye doctor.” advises Dr. Moussa, “preferably someone who has a lot of experience dealing with children.”
By Dr. Iskandar
Everyone knows that omega 3's and fish oil is great for the body, that it helps when babies are developing and contributes to an over all health, body and mind. But can they also be good for our oral health?
To understand why these essential oils could possibly be good for our oral health we need to understand a little bit about what omega 3's are. An omega three and fish oils are forms dietary fats. There are three main types of fats in our diet, they are saturated, monounsaturated and polyunsaturated fats. saturated fats are fats that come from animals or dairy and are contributors to heart disease, these are considered the "bad" fats. Monounsaturated fats are fats that come from plants and olive oil these are good forms of fats like omega 9. polyunsaturated fats are fats that come from plants oils dairy and some animals depending on the animals diet, these fats are omega 3 and 6's and are all good for you.
monounsaturated and polyunsaturated fats are often referred to as fatty acids. these fatty acids are key in developing parts of the cell that send messages to other cells telling them to help with anti inflammatory responses. Many adults suffer from gingivitis or periodontal disease.
Gingivitis is characterized by inflammation of the gums, bleeding and redness. when this is not taken care of it can progress in to periodontal disease. periodontal disease is when the gums become unattached, bone loss occurs which allows teeth to move freely in the mouth and possibly come out. so how are these essential fatty acids a benefits to our mouth? when taken regularly these fatty acids help reduce the inflammation of the gums and help keep the gums attached. this in turn helps reduce the amount of bone loss so patients can have there teeth for longer.
To see the benefits of these essential fatty acids patients should consume two tablespoons of flax seeds, walnuts, soybean oil or canola oil and at least two servings of a fatty fish a week.
When people think about retirement planning, they tend only to focus on retirement savings often in their RRSPs. This is not surprising because it's hard to imagine what life might be like in 20 or 30 years. But there's more to retirement planning than just saving money. For example, some new retirees are caught off guard when they realize that they are no longer covered by their group insurance coverage. One way to avoid these types of surprises is by thinking about what your values and lifestyle may be at that stage of your life, then finding the financial tools that will help you make it happen.
Most retirees don't require basic life insurance because the children have grown, they are likely debt-free and have some savings. However, there are life insurance products that are ideal for estate and tax planning as protection for inheritance amounts.
Converting group life insurance
New retirees may have the option of converting their group life insurance into permanent individual coverage. This option is usually available during the first 30 days following the end of employment, before the retiree turns 65. While this is an ideal solution because an insurability evaluation isn't necessary, the policy premiums may be expensive because they are based on the new retiree's age.
Health and accident insurance becomes increasingly important during retirement. Some provinces have implemented public drug insurance plans, but they may include a large annual deductible or may only be available to low-income participants. By contrast, there are a wide variety of private supplemental health insurance providers. Since each policy offering is different, it's important to do your research.
Now more than ever, planning ahead will ensure that you have a happy and financially secure retirement. Also, some of these options may offer a beneficial tax treatment. Take the time to get the facts by speaking with me.
For more information, contact me:
Life and Health Insurance Advisor
Desjardins Financial Security Independent Network
Phone: (519) 890-9598
For more than 26 years, WEST has been providing training to visible minority and immigrant women who are trying to champion their situational barriers and reach their employment goals. Each year WEST provides training and support to approximately 2,000 women and their families within the Windsor & Essex County area.
On Sunday March 8th, 2015 WEST’s IWD Gala will be an opportunity to commemorate our participants, businesses and community partners within the Windsor & Essex County area, who demonstrate a commitment to embracing diversity in our community. This year theme is “Working Towards Women’s Equality Today and in the Future.” The event will highlight the accomplishments achieved by women in the past, present, and future; advancing women further towards equality.
During the event, WEST will recognize Journey Towards Success Recipients. The Recipients are WEST clients, who have gone on a challenging journey and been successful in achieving their goals, as well as Community Partners that have demonstrated a belief in the WEST mission and continue to actively support women on their journeys toward success.
WEST is pleased to announce Saadia Muzaffar as the Keynote Speaker for our IWD Gala 2015.
Saadia is the founder of TechGirls Canada (TGC), a national organization focused on building community and amplifying ideas around women’s leadership in science, technology, engineering and math (STEM) fields. TGC provides leadership and community to hundreds of non-profit and industry groups working to engage more girls to pursue a career in Technology. The organization is continuously working to break down silos; advocate for resources, funding, private and public sector partnerships opportunities along with catalyze joint programs.
In addition Saadia is the Senior Director of Marketing for AudienceView. AudienceView has been providing business solutions to the entertainment industry for more than 10 years. “It is a complete
e-commerce solution that enables organizations to offer a true shopping experience.”
For more information about Saadia Muzaffar visit:
TechGirls Canada at http://www.techgirls.ca/ , or AudienceView at http://www.audienceview.com/
All proceeds will go towards providing training to women in Windsor & Essex County, as a result ‘investing in our community’.
Tickets are $85 person and includes a full dinner. If you would like to purchase a ticket, please contact us at 519.256.6621, or via email at email@example.com. Also, tickets can be purchased through Eventbrite at
We look forward to you joining us at this year’s celebration!
Media Contact & for more information, please contact:
Rose Anguiano Hurst, Executive Director
Women’s Enterprise Skills Training of Windsor Inc. (WEST)
Phone: (519) 256-6621, ext. 222
Fax: (519) 256-3963
By: Rocco D’Angelo
If you have the Flu, you will be experiencing some similar symptoms as a cold but with some differences. You will likely have a runny nose without any congestion. You may have a sore throat and will likely have a dry cough. With the Flu, you will have a fever, body/headaches and will also feel very tired. Your symptoms will last for 10 days.
Unfortunately, there is no cure for the Common Cold or the Flu. Once you catch the virus you’ll be stuck with it until it runs its course. However, there are medications that can be used to treat the symptoms and help you feel better. Your Pharmacist can provide you with medications to treat these symptoms. There are certain things you can do to prevent catching the Common Cold or Flu. Hand-washing is one of the most important and effective prevention methods. Always wash your hands after touching door handles, public telephones etc. You should also carry around a bottle of alcohol sanitizer to use after you wash your hands or if you cannot get to a washroom. The most effective way of NOT catching the Flu is to get your Flu shot. Although you may hear that the flu shot will actually make you sick (there is a small percentage of people that do experience this), the flu shot works. It is safe and effective. Speak with your pharmacist if you have questions regarding the Flu shot. If you already have a cold or the Flu, make sure you take precautions to prevent spreading. Use the same precautions as you would to PREVENT catching a cold or flu. Sneeze and cough into your sleeve or elbow. Avoid public places so take a sick day from school or work. Get plenty of rest and drink lots of water.
By Dr. M. Iskandar
By: Giovanna Russo-Romao
Windsor Sylvan Learning
In addition to knowledge of core math concepts, word problems also require strong reading comprehension skills. Before a child can solve a word problem, he needs to be able to translate the problem into a math equation.
Once a child deciphers a word problem and is able to convert it into a simple equation, most students can easily calculate the answer. Unfortunately, determining the right equation is often the most challenging part of problem-solving. By applying reading comprehension skills to their math homework, students are better able to solve word problems correctly.
To help children boost their critical thinking and word problem-solving skills, the math experts at Sylvan Learning, the leading provider of tutoring to students of all ages, grades and skill levels, offer parents the following tips to help their children decode word problems, gather key information, solve equations and check their answers:
1. Read the question carefully. Ask your child to read and reread the question to make sure that he understands what he is being asked to solve. Encourage him to read the question aloud and pay close attention to the final question of the word problem.
2. Understand the problem. Encourage her to simplify the word problem by highlighting the main words and important ideas. Have the student ask herself the following questions: What am I being asked to do? What are the important facts? Do I have enough information to solve the problem? What operation will I use?
3. Convert the verbal statement into a mathematical equation. Help him break the word problem into manageable, ordered steps. It's a good idea to do the work step-by-step, particularly if it’s a complicated problem with several parts. It's easier to keep the pieces of the problem in order if he works this way and easier to avoid mistakes.
4. Generate the result. Encourage her to solve the mathematical problem using a technique such as drawing or mentally acting out the problem. After she finishes, make sure the results make sense and that she writes the answer in the appropriate units (e.g., hours, metres, kilometres, etc.
(1934- April 3, 2006) / Translated By: Reda Mansour
Muhammad al-Maghout is a poet, playwright, and columnist, born in 1934 in al-Salamiyaa, Syria. His best collections are: -- Huzn fi Daw' al-Qamar [Sadness in Moonlight, 1959], Ghurfa bi-malayin al-Judran [A Room with Millions of Walls, 1964] and al-Farah laysa Mihnati [Joy is not my Profession, 1970], and was the first modern Arab poet to bring attention to the colourful complexities of the simple life. He introduced Arabic poetics to current and newly-coined words, sometimes even slang-words juxtaposed in simple phrases creating a cadence previously unknown. Written during his exile in Beirut, his poetry -- which is among the pioneer works of non-metrical Arabic free verse -- is a cry in the jungle of language against the ruthless world of exile. He presented a new vision of life that was an access to the unknown for new generations of poets, and is still an influential force in modern Arab poetry. He has also several plays, among them; The Hunchbacked Bird (1967), The Clown (1974), a novel, The Seesaw (1991), and ten collections of his satirical articles. Since 1970 Al-Maghut has published no new poems, but poetry still remains the hidden passion of this clear-sighted man, as he says himself: "To be a great poet in the Arab world, one must be sincere; to be sincere one must be a free man; to be free one must live; and to live one must keep mum . . . You sicken me, poetry, you immortal and divine
To A Tourist
Here I sit – equidistant
between the innocence of childhood
and the decline of old age
Tourist – help me see – I need
What calls for my attention – I cannot fathom
I, a poet from the East
Your white scarf – place it on the sidewalk
Please sit at my side as the rain – soft as the yellow sun
Soothes – a balm for the soul.
Guides and maps are impotent
They are unable to help you
Your writing do nothing for you
as time winds down like a cheap watch
Peasants of multiple decades
deliver folk wisdom
Just two quatrains will deliver in a folk song
the history of the east
This the third hour of the twentieth century
Corpses everywhere in this hollow land
pedestrians crying tears of hopelessness
Watch as I lie down in the middle of the street
I resemble an old Bedouin
who lives with bars of steel
Policemen victimize demonstrators who in vain seek justice
Watch as I write in the dark
My pen and my tears are now one.
My pen is impotent but still i write – words as hollow as a life without hopelessness
Prison bars seek what i no longer am
as my pen scribbles like a child with language hiding in the dark
Where does this fear originate? When will it be no more?
My bones are old; my hopes mock me like blood losing its redness
My love – in vain I try to restore my courage even my misery
All EYES ON THE HORIZON
The Aroma of bread
Or the scent of nations on travelers’ clothes
In my finest dress- like a lover
Anticipating my first date
Flooded with excitement.
Catching sight of her (the revolution) my, soul sings
A song of enchantment and young love
Evenings I plan to accompany her
To both alleys and country sides
Where I can open my heart and fill her
With all that I am and wish to be.
Until sleep overtakes her
Like a grandmother by a fire place.
But suppose she fails to come.
Then sorrow will assault me
And hope hide among the trees
And I will curse the heavens.
WHEN THE WORDS BURN
Poetry no longer becomes me
I see Lebanon Burning
I seek escape from this conflagration
What can one do when his nation is collapsing
A village girl can do me no good
Only collapse I see
Poetry hides its light from my sight
An unknown girl is seeking my love
or is it the love of all?
The mountains swell with passion
in the desert of my days
I am not your typical citizen
My words fail and mock my efforts
I – a ruthless eagle not knowing what
Arabs skirt to and from lost among the mountains
their voices of sadness weigh on me
Graves of the unknown mar the land
My eyes of treachery stare in blindness
My brothers are now unknown to me
Lebanon – nation hiding her treasures from me
as women captive and alone shed tears on lonely crags.
My nation is voiceless
all of my efforts futile
How can I write poems of trees and other treasures of nature
My words fade like ice in temperature of ultimate heat
Days of gladness – are they no more?
A bullet in my throat my only answer
The one thing about participating in the real estate market that confounds most consumers is the terminology and jargon that must be learned. But, as with any business, in order to be successful as a buyer or seller, it is necessary to become familiar with certain concepts and words.
The real estate business is somewhat unique in that it is not confined to one particular set of dealings. Instead, it encompasses a number of professions: financial, legal, governmental, building trades, and of course, real estate itself.
So, from A for amortization to Z for zoning regulations, here is a quick run-through of some the important real estate terminology you’ll encounter:
Amortization: The number of years it will take to pay off the entire amount of a mortgage. In Ontario, most mortgages are amortized over 25 years.
Appraisal: An estimate of a property’s market value. This is used by lenders to determine the amount of your mortgage.
Assessment: The value of a property set by the local municipality. The assessment is used to calculate your property tax.
Assumable Mortgage: A mortgage held on a property by a seller that can be taken over by the buyer. The buyer then assumes responsibility for making payments. An assumable mortgage can make a property more attractive to potential buyers.
Blended Mortgage Payments: Equal or regular mortgage payments consisting of both a principal and an interest component.
Broker: A real estate professional licensed in Ontario to facilitate the sale, lease or exchange of a property.
Bridge Financing: Money borrowed against a homeowner’s equity in a property (usually for a short term) to help finance the purchase of another property or to make improvements to a property being sold.
Buy-down: A situation where the seller reduces the interest rate on a mortgage by paying the difference between the reduced rate and market rate directly to the lender. Or, the difference can be paid to the purchaser in one lump sum or monthly instalments. A buy-down can make a property more attractive to potential buyers.
Closed Mortgage: A mortgage that cannot be prepaid, renegotiated or refinanced during its term without significant penalties.
Conventional Mortgage: A first mortgage issued for up to 75 per cent of the property’s appraised value or purchase price, whichever is lower.
Debt Service Ratio: The percentage of a borrower’s gross income that can be used for housing costs (including mortgage payments and taxes). This is used to determine the amount of monthly mortgage payment the borrower can afford.
Easement: A legal right to use or cross (right of way) another person’s land for limited purpose. A utility’s right to run wires or lay pipe across a property is a common example.
Encroachment: An intrusion onto an adjoining property. A neighbour’s fence, shed or overhanging roof line that partially or fully intrudes onto your property are examples.
First Mortgage: The first security registered on a property. Additional mortgages secured against the property are termed ‘secondary’.
High-Ratio Mortgage: A mortgage for more than 75 per cent of a property’s appraised value or purchase price.
Listing Agreement: The contract between the listing broker and an owner, authorizing the Realtor to facilitate the sale or lease of a property.
Mortgage: A contract between a borrower and a lender where the borrower pledges a property as security to guarantee repayment of the mortgage debt.
Mortgage Term: The length of time a lender will loan mortgage funds to a borrower. Most terms run from six months to five years, after which the borrower will either pay off the balance or renegotiate the mortgage for another term. Payments are calculated using the interest rate offered for the term, the amount of the mortgage, and the amortization period.
Multiple Listing Service (MLS): A comprehensive system for relaying information to Realtors about properties for sale.
Open Mortgage: A mortgage that can be prepaid or renegotiated at any time and in any amount without penalty.
Partially Open Mortgage: A mortgage that allows the borrower to pre-pay a specific portion of the mortgage principal at certain times with or without penalty.
Realtor: A trademarked name describing real estate professionals who are members of a local real estate board and the Canadian Real Estate Association.
Transfer Taxes: Payment to the provincial government for transferring property from the seller to the buyer.
Vendor Take-Back Mortgage: A situation where sellers use their equity in a property to provide some or all of the mortgage financing in order to sell the property.
Zoning Regulations: Strict guidelines set and enforced by municipal governments regulating how a property may or may not be used.
Source: Reprinted with permission from OREA (Ontario Real Estate Association)
An expert REALTOR® gives you support to buy or sell a house. They are an ally who'll help you make the most out of your home. REALTORS® can guide you through every step of the process, explain the current market, help navigate complex paperwork and offer invaluable advice.
Before you Buy or Sell, call a REALTOR® you can trust to be with you every step of the way.
Adele Youssef, ASA
Real Estate Sales Representative
Manor Realty Windsor Ltd. Brokerage
Address: 3276 Walker Road Windsor, Ontario N8W 3R8
Phone: (519) 250-8800
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