They may be small and swift, but if you notice this tiny silver creature scurrying around your home, you could be facing a significant and costly issue. Experts are advising anyone who spots a silverfish in their property to promptly check for dampness.
These shiny, teardrop-shaped insects thrive in moist conditions and are particularly fond of areas with water.
If you see one darting into or out of your skirting boards or crevices around window sills, it’s likely a sign of damp and moisture within your property. If not addressed, dampness can lead to a host of problems, including cracked bricks, rotting joists, decaying plaster, and spreading mould spores. In extreme cases, it can even compromise the structural integrity of the property and impact air quality.
Dampness can result from various factors, such as leaky drainpipes, condensation, ageing damp proofing, or inadequate ventilation, especially in bathrooms or kitchens where water vapour tends to linger. Identifying the cause can be tricky, but the presence of silverfish indoors usually signals that there’s dampness requiring attention.
Silverfish can be a sign of huge issues -Credit:Getty
The sooner signs of dampness are detected, the easier it will be to eradicate the bugs. It recommends looking for indications on walls like wet or damp patches, peeling wallpaper, and flaking plaster.
Other telltale signs include damp and musty smells, rotting wood, and the emergence of mould and mildew on walls, floors, or ceilings.
Among the proposed remedies are utilising a dehumidifier, maintaining good ventilation in your home, inspecting your gutters for leaks, applying damp-proof paint to your walls and, if necessary, engaging a professional to address areas impacted by rising dampness.
Getting a loan without a job can be challenging, but it’s not impossible. Lenders typically look for a stable source of income to ensure you can repay the loan. However, if you don’t have a job, you may still qualify for a loan if you can demonstrate other sources of income or assets. Here are some options to consider:
1. Show Alternative Income Sources
If you don’t have a traditional job, you may still have income from other sources. Lenders may accept:
Government benefits (e.g., Social Security, disability, or unemployment benefits).
Retirement or pension payments.
Rental income from properties you own.
Alimony or child support.
Freelance or gig economy work (e.g., Uber, DoorDash, freelance writing).
Investments or dividends.
Be prepared to provide documentation, such as bank statements or tax returns, to prove these income sources.
2. Use Collateral for a Secured Loan
If you have valuable assets, you can apply for a secured loan, which uses collateral to reduce the lender’s risk. Examples include:
Home equity loans or lines of credit (if you own a home).
Auto title loans (using your car as collateral).
Secured personal loans (using savings accounts, jewelry, or other assets).
Be cautious with secured loans, as you could lose the asset if you fail to repay.
3. Get a Co-Signer
A co-signer with a stable income and good credit can help you qualify for a loan. The co-signer agrees to repay the loan if you can’t, which reduces the lender’s risk. This can be a family member or close friend who trusts you to make payments.
4. Consider a Payday Alternative Loan (PAL)
Some credit unions offer Payday Alternative Loans (PALs), which are small, short-term loans designed for borrowers with limited income. These loans typically have lower interest rates than traditional payday loans.
5. Explore Peer-to-Peer (P2P) Lending
Peer-to-peer lending platforms connect borrowers with individual investors. These platforms may have more flexible requirements than traditional banks. Examples include LendingClub and Prosper.
6. Borrow from Family or Friends
If traditional lenders aren’t an option, consider asking family or friends for a loan. Be sure to formalize the agreement with a written contract to avoid misunderstandings.
7. Improve Your Credit Score
A strong credit score can increase your chances of getting approved for a loan, even without a job. Pay down existing debt, make payments on time, and check your credit report for errors.
8. Look for No-Income-Verification Loans
Some lenders offer no-income-verification loans, but these often come with high interest rates and fees. Be cautious, as they can lead to a cycle of debt.
Sackcloth money bag with loan inscription and metal coins
9. Use a Credit Card or Line of Credit
If you already have a credit card, you can use it for cash advances or purchases. Alternatively, you may qualify for a new credit card or line of credit based on your credit history.
10. Consider Nonprofit or Community Assistance
Some nonprofits and community organizations offer low-interest or no-interest loans to individuals in need. These programs are often designed to help people cover emergency expenses.
Important Tips:
Avoid Predatory Lenders: Be wary of payday loans or high-interest loans that can trap you in debt.
Compare Options: Shop around for the best terms and interest rates.
Have a Repayment Plan: Make sure you can afford the loan payments, even without a job.
If you’re struggling financially, consider reaching out to a financial counselor or nonprofit organization for guidance.
One of the more daunting questions related to astrobiology—the search for life in the cosmos—concerns the nature of life itself. For over a century, biologists have known that life on Earth comes down to the basic building blocks of DNA, RNA, and amino acids. What’s more, studies of the fossil record have shown that life has been subject to many evolutionary pathways leading to diverse organisms. At the same time, there is ample evidence that convergence and constraints play a strong role in limiting the types of evolutionary domains life can achieve.
For astrobiologists, this naturally raises questions about extraterrestrial life, which is currently constrained by our limited frame of reference. For instance, can scientists predict what life may be like on other planets based on what is known about life here on Earth? An international team led by researchers from the Santa Fe Institute (SFI) addressed these and other questions in a recent paper. After considering case studies across various fields, they conclude that certain fundamental limits prevent some life forms from existing.
Artist’s impression of Earth during the Archean Eon. Credit: Smithsonian National Museum of Natural History
The team considered what an interstellar probe might find if it landed on an exoplanet and began looking for signs of life. How might such a mission recognize life that evolved in a biosphere different from what exists here on Earth? Assuming physical and chemical pre-conditions are required for life to emerge, the odds would likely be much greater. However, the issue becomes far more complex when one looks beyond evolutionary biology and astrobiology to consider synthetic biology and bioengineering.
According to Solé and his team, all of these considerations (taken together) come down to one question: can scientists predict what possible living forms of organization exist beyond what we know from Earth’s biosphere? Between not knowing what to look for and the challenge of synthetic biology, said Solé, this presents a major challenge for astrobiologists:
“The big issue is the detection of biosignatures. Detecting exoplanet atmospheres with the proper resolution is becoming a reality and will improve over the following decades. But how do we define a solid criterion to say that a measured chemical composition is connected to life?
“[Synthetic biology] will be a parallel thread in this adventure. Synthetic life can provide profound clues on what to expect and how likely it is under given conditions. To us, synthetic biology is a powerful way to interrogate nature about the possible.”
The sequence where amino acids and peptides come together to form organic cells. Credit: peptidesciences.com
To investigate these fundamental questions, the team considered case studies from thermodynamics, computation, genetics, cellular development, brain science, ecology, and evolution. They also consider previous research attempting to model evolution based on convergent evolution (different species independently evolve similar traits or behaviors), natural selection, and the limits imposed by a biosphere. From this, said Solé, they identified certain requirements that all lifeforms exhibit:
“We have looked at the most fundamental level: the logic of life across sales, given several informational, physical, and chemical boundaries that seem to be inescapable. Cells as fundamental units, for example, seem to be an expected attractor in terms of structure: vesicles and micelles are automatically formed and allow for the emergence of discrete units.”
The authors also point to historical examples where people predicted some complex features of life that biologists later confirmed. A major example is Erwin Schrödinger’s 1944 book What is Life? in which he predicted that genetic material is an aperiodic crystal—a non-repeating structure that still has a precise arrangement—that encodes information that guides the development of an organism. This proposal inspired James Watson and Francis Crick to conduct research that would lead them to discover the structure of DNA in 1953.
However, said Solé, there is also the work of John von Neumann that was years ahead of the molecular biology revolution. He and his team refer to von Neumann’s “universal constructor” concept, a model for a self-replicating machine based on the logic of cellular life and reproduction. “Life could, in principle, adopt very diverse configurations, but we claim that all life forms will share some inevitable features, such as linear information polymers or the presence of parasites,” Solé summarized.
The first implementation of von Neumann’s self-reproducing universal constructor. Three generations of machines are shown: the second has nearly finished constructing the third. Credit: Wikimedia/Ferkel
In the meantime, he added, much needs to be done before astrobiology can confidently predict what forms life could take in our Universe:
“We propose a set of case studies that cover a broad range of life complexity properties. This provides a well-defined road map to developing the fundamentals. In some cases, such as the inevitability of parasites, the observation is enormously strong, and we have some intuitions about why this happens, but not yet a theoretical argument that is universal. Developing and proving these ideas will require novel connections among diverse fields, from computation and synthetic biology to ecology and evolution.”
The Canada Disability Benefit (CDB) is set to launch in July 2025 but not much is known about it, yet
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In July 2025, a new era dawns for Canadians with disabilities. The Canada Disability Benefit (CDB) is set to launch, promising a much-needed financial lifeline for adults aged 18 to 64. It’s a significant shift in how the government approaches disability support, but the devil, as they say, is in the details.
The CDB will offer a maximum annual payment of $2,400 – that’s $200 a month – for the initial period from July 2025 to June 2026. Think of it as a foundational layer, a structured payment designed to ease the crushing financial weight many disabled Canadians carry. It’s a far cry from a silver bullet, however.
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Before the CDB, the landscape was a patchwork quilt of provincial programs and the Canada Pension Plan Disability (CPP-D). While helpful, these existing systems often left individuals struggling.
“It won’t make much of a difference, $200 doesn’t go very far these days,” she adds, “If the government really wants to make a difference in my life and other disabled people they need to turn $200 into $500,” says Rae-Darlene Lavoie, who lives with Multiple Sclerosis and is wheelchair bound.
Many provincial programs are notoriously stingy, imposing restrictive eligibility criteria and offering paltry sums that barely cover the basics. It’s like trying to fill a bathtub with a teaspoon – a Sisyphean task, to say the least.
Amanda MacKenzie, national director of external affairs for March of Dimes Canada, painted a stark picture. She highlighted the pervasive reality of many disabled Canadians living on less than $30,000 annually. This isn’t just a statistic; it’s a reflection of a system that, until now, has fallen short.
The CDB aims for a more equitable, consistent approach, tailoring payments to individual and spousal income. While this is a step in the right direction, critics argue that $200 a month simply isn’t enough to meet the escalating cost of living, especially for those with complex medical needs. The whispers of inadequacy are loud, and advocates are pushing for a substantial increase.
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Service Canada promises detailed application information in Spring 2025. This is good news; clarity is crucial. However, the CDB’s true efficacy hinges on its implementation and the government’s responsiveness to ongoing concerns. Will it alleviate the financial strain, or will it merely offer a palliative, a band-aid on a gaping wound?
The CDB’s arrival coincides with a broader, much-needed conversation about disability rights and financial security. Advocacy groups are pushing for a holistic approach, viewing the CDB as a single piece of a much larger puzzle. They’re clamouring for increased funding for support services, accessible housing, and improved healthcare – all vital components of a truly inclusive society.
The CDB Is both a beacon of hope and a test of the government’s commitment. It’s a starting point, a foundation upon which a more equitable system can be built. But its success depends entirely on continuous dialogue, active listening, and a willingness to adapt and adjust based on the lived experiences of those the benefit is intended to serve.
The journey to true inclusivity is a marathon, not a sprint, and the CDB could mark a significant mile marker, but the race will still be far from over.
Article Originally published by Elliot Lake Today’ Web Site, click here.
Duty to Assist is a homelessness prevention approach that works upstream and uses a human-rights lens. Originating in Wales, it is also known as the Housing (Wales) Act 2014, which created a legal obligation for local authorities, such as governments, to make reasonable efforts to move individuals out of homelessness or stabilize their housing.
The fourth session of the Prevention Matters! series was hosted by Stephen Gaetz from the Canadian Observatory on Homelessness and dug into the details of how Duty to Assist works. Gaetz interviewed Peter Mackie of the Centre for Homelessness Impact at the University of Cardiff who was a key player in the implementation and creation of the Housing (Wales) Act 2014. They discussed the implementation of Duty to Assist in the United Kingdom, as well as challenges faced in the process and what Duty to Assist might look like in the Canadian context.
How Does Duty to Assist Work?
Individuals affected by homelessness are eligible for assistance at three stages:
Prevention stage: When an individual is at risk of homelessness, authorities can intervene by trying to address the factors contributing to the risk, such as paying rental arrears or providing a rent subsidy.
Relief stage: After a person’s housing is lost, the authorities can intervene by trying to find them new accommodations.
In the event that both options fail, individuals in priority groups who are covered by previous legislation will have housing secured for them.
Duty to Assist works upstream, meaning that it assists individuals earlier than previous legislation allowed. Those who are at risk of homelessness or have just become homeless can seek out help from local authorities earlier. This allows issues to be addressed in a more timely and cost-effective manner.
According to Mackie, Duty to Assist has proven to be much more effective in the prevention stage. The intervention can be something as simple as paying off arrears or providing first and last month’s rent, which is a much simpler approach than trying to find brand-new accommodation.
“If you are already homeless, to take steps to resolve your homelessness, we’re way less successful there because you don’t have the home to try and keep somebody in.” – Peter Mackie
Challenges with Duty to Assist
While the implementation of Duty to Assist is a win for prevention in Wales, the legislation is still riddled with difficulties that go beyond the homelessness sector. As Promise Busulwa, the producer of Prevention Matters! always says in her opening remarks: “The housing crisis cannot be solved by the homelessness sector alone.” Mackie has written articles outlining the need for “…effective universal prevention to be the foundation of any strategy to end homelessness.” Many of the ongoing issues with the Duty to Assist model are the lack of consolidated, systematic care and collaboration between public bodies and other organizations to address the root causes of homelessness.
“But what we don’t have in the legislation is a requirement that, for instance, a landlord would notify the local authority.” – Peter Mackie
Another challenge noted by Mackie is that people can be hesitant to change. Individuals who are impacted by impending or current homelessness, and who therefore qualify for Duty to Assist, need to be aware of the program itself and request assistance. This has proven to be difficult, especially given that the legislation and the supports offered looked very different prior to the implementation of the Housing (Wales) Act 2014. Prior to the implementation of Duty to Assist, the legislation only provided assistance for families with children and other priority groups.
Currently, there is a gap as public institutions, like hospitals and prisons, do not call for assistance from local authorities when releasing an individual into homelessness. Mackie also noted push back about the universal nature of Duty to Assist. Many parties involved in the legislative process pushed to maintain the focus on priority groups, clashing against the universal prevention model that applies to everyone experiencing or at risk of homelessness.
Mackie spoke to the difficulties involved in imposing a “duty” on public bodies that had the power to intervene in the creation of an individual’s homelessness situation. Simply put, these parties could not be mandated to provide assistance because “ somebody is going to fail.” Instead, the legislation mandates a ‘best efforts duty.’ A duty to assist means providing assistance to those who willingly consent to receiving help and are, in return, expected to comply with attempts to provide them with assistance.
“In government, there’s often a reluctance to actually use the word ‘must.’” – Peter Mackie
To combat these challenges, Mackie calls for better data sharing and a more person-centred focus when providing services. As the legislation is currently being revised for what has been coined as “Duty to Assist, Mark II,” Wales aims to have these issues addressed and changes implemented, which involves including a more diverse range of voices. While Mackie expresses frustration with the lack of support both financially and from public systems for Duty to Assist, he does acknowledge that it has been very helpful as Wales traverses a housing crisis.
What Does this Mean for Canada?
While Duty to Assist cannot be precisely replicated in Canada because of the lack of infrastructure, Stephen Gaetz noted it is regarded as a fundable homelessness prevention method by the Government of Canada. Mackie also mentioned that the overall principles of Duty to Assist can be implemented without legislation—although they may be less effective without the legislative aspect—on a community or municipal level. While it would be ideal for there to be legislation to hold public bodies to account, Wales has not experienced any high court cases surrounding the Duty to Assist, leading Mackie to believe that the implementation of the Duty to Assist principles without legislation should be possible.
Mackie recommended implementing Duty to Assist in a community to prove that it works before aiming to scale it upwards, and Gaetz replied this had been in progress before the COVID-19 pandemic. Here’s hoping Duty to Assist gets the chance to prove its value in Canada.
Interested in more diverse perspectives on homelessness prevention? Check out the rest of the Prevention Matters! Series. Want to learn more about Duty to Assist? There is a free, self-paced training on the Homelessness Learning Hub.
Originally published on The World-Wide Web’s Homeless Hub On Monday October 21st, 2024
The analysis and interpretations contained in these blog posts are those of the individual contributors and do not necessarily represent the views of the Canadian Observatory on Homelessness.
Rental home costs in North America have been a hot topic in recent years. As the demand for rental properties continues to rise, so do the costs associated with securing a place to call home. One area that has seen increased demand is industrial spaces, which have led to the rise in maintenance and refurbishment costs, with services like pro industrial painting becoming more sought after to ensure the longevity and appeal of these properties. You can also seek some assistance from this site at https://proindustrialpainters.co.uk/warehouse-painting.
Whether you’re considering a cozy apartment or a spacious rental home, understanding the current landscape of US rental property costs is crucial. As you explore options, consider how a well-designed space can make all the difference. Closet Designer from Bella Systems offers innovative and elegant solutions to optimize storage and enhance the functionality and style of any rental. In this blog post, we’ll explore regional variations in rental home costs in North America, delve into the factors driving rental expenses, and offer insights to help you navigate the competitive rental market.
Unpacking the Numbers: Rental Home Costs in North America
The US rental costs vary significantly depending on location, property type, and amenities.
Major metropolitan areas like New York, Los Angeles, and Toronto tend to have the highest rental home costs, while smaller cities and rural areas offer more affordable options.
Recent rental market trends show 564,828 properties available for rent in September 2024. The median monthly rent in the US hovers around $2,100 as of September 2024. The rental cost has remained nearly the same as last month
The rental costs in the US have increased by about 19 percent since 2019. Several factors contribute to the rising rental home costs in North America:
In cities like New York or Los Angeles, you might have to pay upwards of $3,000 or more for a one-bedroom apartment. In contrast, you could find comparable accommodations for under $1,000 in less densely populated areas.
Most Expensive US Rental Markets in 2024
Least Expensive US Rental Markets in 2024
Conclusion: Finding Your Place in the Market
While the rental market in North America can be challenging, understanding the factors influencing costs and employing savvy search strategies can help you find a suitable and affordable home.
Remember, it’s crucial to do your research, compare options, and be prepared to negotiate to secure the best possible deal.
Whether you’re looking for a vibrant city apartment or a quiet suburban rental home, with careful planning and persistence, you can find a place that fits your lifestyle and budget.
The year began with numerous challenges, including the loss of several notable celebrities and countless others whose names we may not know. As we reflect on their passing, we acknowledge their departure with a heartfelt “rest in peace.” They have moved beyond this mortal realm to a higher plane of existence, where the physical sensations and struggles that burden the human mind are no longer felt. In this new state of freedom, they leave behind the fragile shell of flesh and blood.
In times of loss and reflection, the importance of giving meaningful gifts becomes even more apparent. Amazing gifts from a jewelry store not only honor the memories of those we have lost but also provide comfort and connection to those who remain. Whether it’s a thoughtful gesture or a cherished keepsake, these gifts can help bridge the gap between our present experiences and the enduring legacy of loved ones, offering solace and celebrating the impact they had on our lives.
In December 2019, the first case of COVID-19 was reported in China. Since then, the coronavirus has struck the entire world by surprise. The importance of physical touch and contact was bought into emphasis as the entire world went into lockdowns and people were made to isolate and quarantine within the walls of their homes. Since the novel coronavirus spreads at an exceedingly fast rate, it poses a huge threat to public health with its high mortality rate.
Temporary Protection from Eviction
COVID-19 has affected almost all areas of our daily lives, be it financial, personal, educational or professional. Adjusting to the new normal has indeed been a challenge for people all around the globe. However, health care providers and people in authority are working round-the-clock to ensure the wellbeing of as many people as they can.
As a response to this global threat, state and local governments have taken drastic measures to ensure public health and safety. When it comes to housing, eviction laws in several countries, including the US, have been temporarily altered to not only prevent the spread of this disease but also facilitate people who are struggling with financial issues.
Providing stable housing is an effective measure because it allows people to abide by the stay-at-home and social distancing measures recommended by state and local authorities. It also reduces the number of homeless people residing in congregate settings or shelters. Improved living conditions are bound to reduce the spread of this virus.
The Final Word
The laws amended in the light of COVID 19 provide increased protection to tenants and renters. From March 1, 2020, to September 30, 2021, all landlords and property owners have been advised not to evict any residents if the sole reason for their eviction is their inability to provide housing payment. The state has developed a rental assistance program to reduce financial distress on both landowners and renters. All tenants that qualify for this program will be provided with financial assistance during and beyond this period to help reduce their struggles.
Proper dental care is essential to living a healthy life. However, there’s a greater chance for people from low-income backgrounds to have greater dental health problems than those from affluent families. Here’s a quick analysis of the disparity in dental care between the rich and the poor.
The Gravity of the Situation
A greater percentage of people from deprived backgrounds have been hospitalized because they needed dental care than those who were better off financially. However, many people from low-income backgrounds struggled to receive the care they needed because 35% of low-income parents and 38% of low-income adults without children did not have health insurance in 2013.
What makes this situation worse is that dental care treatment in the hospital is about 10 times more expensive (even with Medicaid enrollees) than preventative dental care at a dentist’s office. Furthermore, Medicaid doesn’t cover preventative costs. Thus, enrollees have to rely on ER care at the hospital when their conditions worsen.
The Effects of Lack of Dental Care for the Poor
Receiving proper dental care is vital because it affects the patient’s and physical health as well. A lack of proper dental care can contribute to various chronic illnesses that may pertain to cardiovascular disease, pregnancy complications, respiratory infection, and so on.
Regular dental check-ups, cleanings, and prompt treatment of any oral issues are essential for mitigating these risks and ensuring optimal health outcomes. One often overlooked aspect of oral health is the condition of the tongue. A yellow tongue, for instance, can be indicative of various underlying issues, ranging from poor oral hygiene to more serious health concerns. Monitoring the color and appearance of the tongue during routine dental visits can provide valuable insights into a patient’s overall health status.
In addition to physical health ramifications, there are mental health concerns, such as a correlation between decaying or missing teeth and depression. This is also the case because missing teeth can result in increased self-consciousness and societal scrutiny. So, it makes it more challenging for people from low-income backgrounds to thrive within society.
Lack of proper dental care for people from low-income backgrounds also causes them to struggle with its effects on their employment opportunities. Poor dental care causes patients to experience discrimination in the job market. Thus, there’s a cycle in which disparity in dental care between the rich and the poor causes the latter to continue struggling to receive better dental care because they can’t afford insurance.
The solace of silence is sometimes the only vocal support one gets without friends and family references.
There is no point in sugar-coating the fact that transitioning from homelessness to renting can be quite difficult for an individual, especially in cities like Toronto or Vancouver. From a landlord’s perspective, these markets are full of eligible and desirable tenants, so why would they lend their property to someone without any reference and an unstable (or non-existing) rental history.
This is a challenge most homeless people face, even when they have found a stable job and have enough money for a deposit. Finding rental housing without references can be tough but not impossible. There are a few things you can do:
1. Seek out your regional Housing First* program. It’s designed to help homeless people find stable homes. You’d need to contribute a portion of your income (ideally 30% or more) while the rest would be covered by rent subsidies. It also helps you establish a rent history that can open up more rental housing options for you.
2. Provide potential landlord proof of stable income. If you’ve been working for a while, bring your last three payslips and, preferably, a letter from your employer stating your good behavior (and that they don’t have any plans to let you go in the foreseeable future).
3. If you have a stable income and money for monthly rent but not the deposit, charities like Canadian Red Cross and Salvation Army might assist you (financially). With a decent deposit amount (say three-months rent), you might be able to convince potential landlords to rent to you, even if you don’t have references.
4. Don’t fake a reference history. It is a huge red flag, and if you get caught, it might disrupt your chances of renting with other landlords as well.
5. Talk to the people who are running emergency shelters. They might be able to guide you to individuals who might be inclined to rent to you without references, just to pull you out of homelessness. If not, they might be able to put you in touch with local housing assistance programs you might not be aware of.
Be honest, talk to the people helping homeless individuals in your community, try to save as much money as you can for rent and deposit, find a co-signer if you can, and make sure your employer puts in a good word for you.
