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#InsuranceThatFits

Insurance That Fits

April 22, 2016 By Lena 13 Comments

I remember it like it was yesterday, even though it happened eight long years ago. Having just celebrated my baby shower – and my 30th birthday – I sprawled out in the family room, staring up at the ceiling.

“We’ll need a will,” I called out to my husband, “and an RESP…. and life insurance,” I finished, mentally listing all the things I knew I had to figure out in anticipation of our first child.

“And we’ll get to it,” he assured me, one eye on the baseball game.

That night, I lay awake in bed thinking about worst case scenarios. I chastised myself for worrying about things that were unlikely to happen, but nevertheless, my feeling of unease grew throughout the night as I tossed and turned in bed. The next morning, unwilling to put it off a moment longer, I made several appointments to get my affairs in order before our baby arrived. A will was drafted; an RESP was created; life insurance was purchased. I felt ready for the birth of our child.

(But, ready for motherhood? Never. That’s a whole other story!)
289054_10150756961090182_4711909_oSignificant milestones, like the birth of a baby, are the perfect time to re-evaluate your financial and insurance options. When one is anticipating life, I know it can be difficult to think about anything else. However, in the past few years alone, the passing of a few friends has been a grim reminder of how precious life is… and how life goes on, for children, spouses and even parents. …

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Filed Under: Family Tagged With: #InsuranceThatFits, babytime shows, TD Insurance

Are You Prepared for the Unexpected?

August 12, 2015 By Lena

Having just celebrated eight years in our “new” home, my husband and I have been taking a trip down memory lane, reminiscing about the experience. When we first purchased the house in 2006, it was a heady combination of excitement, apprehension, hope and frustration – all rolled into one! From securing a mortgage to purchasing brand new furniture, saying goodbye to the city and hello to the suburbs, it’s so easy to recall the feelings and emotions. (And the arguments… usually centered on his eclectic taste in coffee tables.)

Because our first home was a new build, we had the opportunity to add custom touches to reflect our tastes and personalities. There’s nothing quite like visiting the design and décor centre to select finishes for your brand new home. I fondly remember pouring over the samples of foyer tiles – at the time, the decision to go with either gray or white grout seemed insurmountable. Because everyone notices your grout colour, right?

(One of our favourite past times: visiting the property week by week to see the progress. Here’s my husband in 2006, standing in our “foyer”!)
IMG_0348When the house was finally ready to take possession in summer 2007, we had some pretty big decisions to make.

First, how would we fill the home with furniture? Having come from a one-bedroom loft in Toronto, we now had about ten extra rooms to decorate. Bedrooms… a living/ dining area, a great room… the basement? There seemed to be a lot of “space” and we had enough furniture to fill about 1/5th of it. …

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Filed Under: Lifestyle Tagged With: #InsuranceThatFits, mortgage insurance, TD Insurance

Find #InsuranceThatFits!

May 1, 2015 By Lena

It’s likely something you don’t often think about – yet something that crosses your mind, at least from time to time.

Home Insurance. 

Do you have adequate coverage? Have you considered your policy deductible? Do you know what your policy does NOT cover? If you’re scratching your head right now, don’t worry, you’re not alone. Truth is, home insurance is one of those things you know you should have… you’re just not sure what you do have. And, there’s no such thing as one-size-fits-all.

Let’s change that. Join us for the @TD_Insurance #InsuranceThatFits Twitter Chat on Monday, May 4th at 8pm EDT.
Invitation 1_v2 (2)We’ll have TD Insurance experts on hand to answer any questions you may have, and will be giving away Home Depot Gift Cards to inspire you to renovate or redecorate!

RSVP below for a chance to win, and see you on Monday night! …

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Filed Under: Contests Tagged With: #InsuranceThatFits, TD Insurance, Twitter Party

#InsuranceThatFits Twitter Chat Rules

January 1, 2013 By Lena

GENERAL RULES:

By entering the Contest, Entrants agree to abide by these Contest Rules and the decisions of ListentoLena.com, which are final. ListentoLena.com, in its sole discretion, reserves the right to disqualify any Entrant it finds to be in violation of these Contest Rules.

CONTEST PERIOD:

The #InsuranceThatFits Contest (the “Contest”) begins on May 4, 2015 at 8pm EDT (“Contest Start Date”) and ends on May 4, 2015 at 9pm EDT (“Contest End Date”). The Sponsor of the Contest is ListentoLena.com (the “Sponsor”).

ELIGIBILITY:

The Contest is open to legal residents of Canada (excluding Quebec) who have reached the age of majority in their Province/Territory of residence at the time of entry into the Contest.

Persons in any of the following categories are NOT eligible to participate or win prizes in the Contest:

(a) any person who, at any time during the contest period, was or is a director, officer, employee, or agent of ListentoLena.com, TD Canada (the “Prize Provider”) or any of their prize suppliers, or any of their respective divisions, parent, subsidiary, or affiliated companies, franchisees, or service agencies, or independent contractors; and
(b) any person who, at any time during the contest period was or is a director, officer, employee, or agent of any company involved with the administration of the contest or any individuals engaged in the development, production or distribution of materials for the Contest (collectively the “Contest Entities”); and
(c) any person who is an immediate family member of, or domiciled with, any of the above.

CONTEST ENTRY:

To enter the Contest, participate in the Twitter Party using the #InsuranceThatFits and register as a follower of www.twitter.com/Listen2Lena and www.twitter.com/TD_Insurance (the “Contest Information Page”) on Twitter. No purchase necessary. You must be a follower of these Twitter account(s) at the time of the Contest Period.

To be a @Listen2Lena follower, you must be a registered user on Twitter (a third party Web site). If you do not have a Twitter account, follow the onscreen instructions to register for a free Twitter account at www.twitter.com.

You will be asked to provide your first and last name and email address and to set up a user name and password. You may also be asked to answer optional questions; however, they need not be answered in order to be eligible for the Contest.

During the Contest Giveaway Period, the Contest Sponsor will tweet questions via the Contest Information Page. Entrants can submit their written entry (“Entry” or “Entries”) by Tweeting their response to @Listen2Lena or another Twitter account, as instructed by @Listen2Lena, ensuring to include the hashtag #housie by replying with a Tweet to the Tweeted question, you indicate your agreement and compliance with the Rules. Your Entry must be in accordance with the specific requirements listed below.

Your Tweet must be a relevant reply to the question posed by the “Contest Information Page.” By participating, you warrant and represent that your answer: (a) does not violate any law, statute, ordinance or regulation; (b) will not give rise to any claims of infringement, invasion of privacy or publicity, or infringe on any rights and/or interests of any third party, or give rise to any claims for payment whatsoever; (c) is not defamatory, trade libelous, pornographic or obscene, and further that it will not contain, depict, include, discuss or involve, without limitation, any of the following: nudity; explicit, graphic or excessive sexual activity; crude, vulgar or offensive language and/or symbols; derogatory characterizations of any ethnic, racial, sexual or religious groups; content that endorses, condones and/or discusses any illegal, inappropriate or risky activity, behavior or conduct; personal information of individuals, including, without limitation, names and addresses (physical or electronic); conduct or other activities in violation of these Rules; commercial messages, comparisons or solicitations for products or services other than those of the Contest Sponsor or Prize Provider; and any other content that is or could be considered inappropriate, unsuitable or offensive, all as determined by the Sponsor in its sole discretion.

PRIZE:

There are SIX (6) Prizes (“Prizes”) valued at Fifty Canadian dollars (CDN $50) available to be won. Each Prize must be accepted as awarded. No cash alternatives, substitution or transfers of the Prize will be allowed. The Sponsor reserves the right to substitute a prize of equal or greater value, or the equivalent cash amount, in the event that the prize described is unavailable due to circumstances beyond their control.

ODDS:

The odds of winning a Prize depend on the total number of eligible entries received during each Contest Giveaway Period.

PRIZE AWARDING METHOD:

Winners will be selected based on random draw in response to the prize question during the Contest Period. Should that winner not be eligible to claim the prize, the next correct answer will be selected as determined by the order the answers appear in the Twitter chat window.

All winners will be notified via Twitter during the Contest Period. After the notification, winners must reply within two (2) days to maintain eligibility. If the winner cannot be contacted within this time period or fails to respond to any attempted contact, such potential winner will be disqualified, his/her entry will be declared null and void and the Sponsor and Prize Provider reserve the right, in their sole and absolute discretion, to select another eligible Entry, in which event these provisions shall apply to such other eligible Entry.

In order to claim the prize, the winner must first correctly answer, unaided, a mathematical skill-testing question, and he or she will be required to complete a standard Declaration and Release Form. The selected Entrant will have two (2) days from the date of receipt to return email confirmation of the Declaration and Release Form to ListentoLena.com or its representative, where two (2) days will be determined by the date of email. If the selected Entrant does not do so within this period of time, another Entrant may be randomly selected and the initial selected Entrant will be disqualified and will have no recourse towards the Sponsor, Prize Provider or any of the Contest Entities, or their respective directors, officers, employees, agents, divisions, parents, subsidiaries, affiliated companies, franchisees, service agencies, or independent contractors.

APPLICABLE LAWS:

This Contest is subject to all applicable federal, provincial and municipal laws. All issues and questions concerning the construction, validity, interpretation and enforceability of the Contest Rules or the rights and obligations as between the Entrant and the Sponsor in connection with the Contest shall be governed by and construed in accordance with the laws of the province of Ontario including procedural provisions without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of any other jurisdiction’s laws.

DISQUALIFICATION:

ListentoLena.com is not responsible for lost, interrupted or unavailable network server or other connections, miscommunications, failed telephone or computer or telephone transmissions or technical failure, jumbled, scrambled or misdirected transmissions, or other error of any kind whether human, mechanical or electronic.

Persons found tampering with or abusing any aspect of this Contest, including but not limited to acting in violation of these official Rules; attempting to participate in the Contest more than the maximum number of times allowed; to be acting with the intent to disrupt the normal operation of this Contest; as determined by the Sponsor will be disqualified. The discovery of any use of robotic, automatic, macro, programmed, third party or like methods to participate in the Contest will void any attempted participation effected by such methods and the disqualification of the individual utilizing the same in the Sponsor’s sole and absolute discretion.

In the event any portion of this Contest is compromised by virus, bugs, non-authorized human intervention or other causes beyond the control of the Sponsor, which, in the sole and absolute opinion of the Sponsor, corrupts, or impairs the administration, security, fairness or proper entry into the Contest, the Sponsor reserves the right, in its sole and absolute discretion to suspend or terminate this Contest.

Further, the Sponsor reserves the right, in its sole discretion, to terminate the Contest, in whole or in part, or modify, amend or suspend the Contest and/or the Contest Rules in any way at any time for any reason without prior notice or compensation.

PRIVACY:

By entering this Contest, you consent to the collection, use and sharing of information about you within ListentoLena.com for the purpose of administering this Contest in accordance with this Privacy Policy.

The personal information collected about you is limited to the information you have voluntarily supplied through the Contest entry page and the Declaration and Release Form.

Except as provided herein, the Sponsor and / or the Contest Entities will not divulge any personal information gathered through the Contest to third parties. Moreover, the Sponsor and/or the Contest Entities will not sell any personal information collected.

The personal information collected will only be used for the following purposes: (a) use of the winning Entrants’ information as described above;
(b) administration of the Contest on an as needed basis;
(c) further communications from the Sponsor where the Entrant has voluntarily agreed to receive such communications by checking the box to that effect on the Contest entry page.

Notwithstanding anything in this Privacy Policy to the contrary, we may share any information we have collected about you: (a) in response to subpoenas, court orders, or legal process, or to establish, protect, or exercise our legal rights or defend against legal claims or demands; (b) if we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, fraud, or situations involving potential threats to the safety of any person; (c) if we believe it is necessary to investigate, prevent, or take action regarding situations that involve abuse of the website infrastructure or the Internet in general; (d) to a parent company, subsidiaries, joint ventures, or other companies under common control with the Sponsor and / or the Contest Entities (in which case we will require such entities to honour this Privacy Policy); and (e) if the Sponsor and / or the Contest Entities is acquired by or merged with another entity (in which case we will require such entity to assume the obligations under this Privacy Policy).

Despite efforts to ensure third parties will not access or obtain your personal information, complete confidentiality and security cannot currently be guaranteed on the Internet. Communication via the Internet is subject to interception, loss, or alteration. You acknowledge and agree that the Sponsor and/or the Contest Entities or their respective directors, officers, employees, agents, divisions, parents, subsidiaries, affiliated companies, franchisees, service agencies, or independent contractors cannot be held responsible for damages resulting from the transmission of confidential information or personal information over the Internet and that such communications are at your own risk.

LIGITATION:

For residents of all other Provinces/Territories outside Quebec, any litigation must be commenced in the City of Toronto, Ontario.

Filed Under: Contests Tagged With: #InsuranceThatFits, Twitter Party Rules

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Lena Almeida

Toronto Blogger, Social Media Strategist for Listen to Lena Inc. Television & Radio Personality, Columnist and Speaker. Family Travel Expert. Star Wars Fanatic. Perfecting the Art of Conversuasion. Read More…

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